Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 12,979 595 488 592 1,249 1,196 1,138 2,444 5,277 Income before taxes a/ ...................... $68,960 $5,851 $12,565 $17,392 $24,757 $34,516 $44,792 $59,303 $115,029 Income after taxes a/ ....................... 65,967 6,459 12,857 17,899 25,201 34,085 44,003 57,825 108,363 Age of the reference person.................. 40.9 37.6 40.2 37.7 39.4 39.6 40.0 40.2 42.8 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.6 2.0 1.8 1.9 1.7 1.7 1.6 1.6 1.5 Persons 65 and over......................... .1 b/ .1 .1 b/ .1 .1 .1 .1 .1 .1 Earners..................................... 2.0 1.2 1.3 1.4 1.6 1.8 2.0 2.1 2.2 Vehicles.................................... 2.6 1.5 1.5 1.5 1.8 2.2 2.5 2.7 3.1 Percent distribution: Male........................................ 53 31 36 39 44 47 56 58 60 Female...................................... 47 69 64 61 56 53 44 42 40 Homeowner................................... 75 39 38 34 45 63 77 83 94 With mortgage.............................. 63 28 16 22 30 47 63 68 84 Without mortgage........................... 13 11 22 11 14 16 14 14 10 Renter...................................... 25 61 62 66 55 37 23 17 6 Black or African American................... 12 27 24 21 19 13 9 11 7 White, Asian, and All Other Races........... 88 73 76 79 81 87 91 89 93 Elementary (1-8)............................ 4 8 13 17 13 7 4 1 1 High school (9-12).......................... 35 64 61 54 55 49 43 35 18 College..................................... 60 28 24 28 31 43 52 64 81 Never attended and other.................... c/ d/ 2 2 1 c/ 1 c/ c/ At least one vehicle owned or leased........ 95 77 78 82 87 95 96 98 99 Average annual expenditures.................. $57,585 $28,604 $27,589 $26,607 $32,364 $38,017 $45,257 $55,149 $81,765 Food........................................ 7,819 5,337 5,822 5,616 5,480 5,874 6,863 8,217 9,759 Food at home............................. 4,615 3,531 4,419 4,203 3,954 3,986 4,239 4,686 5,212 Cereals and bakery products............ 681 533 602 576 547 546 605 751 777 Cereals and cereal products.......... 238 227 215 224 210 206 215 258 256 Bakery products...................... 443 306 387 353 337 341 390 494 521 Meats, poultry, fish, and eggs......... 1,211 1,132 1,451 1,115 1,180 1,081 1,095 1,209 1,279 Beef................................. 362 368 407 299 352 346 312 364 383 Pork................................. 257 248 415 278 237 236 223 284 243 Other meats.......................... 156 116 187 156 147 123 159 161 165 Poultry.............................. 218 180 195 197 223 187 196 226 236 Fish and seafood..................... 170 167 208 126 161 144 155 131 203 Eggs................................. 49 53 40 59 60 45 48 42 49 Dairy products......................... 498 357 407 506 392 422 498 506 567 Fresh milk and cream................. 198 174 142 229 178 183 190 194 216 Other dairy products................. 300 183 265 277 214 239 308 312 350 Fruits and vegetables.................. 763 549 659 753 677 672 654 706 902 Fresh fruits......................... 237 154 192 246 212 187 192 209 294 Fresh vegetables..................... 244 208 206 263 225 237 191 213 286 Processed fruits..................... 164 103 136 136 149 143 150 158 194 Processed vegetables................. 118 83 126 107 92 106 122 126 127 Other food at home..................... 1,462 960 1,300 1,252 1,158 1,264 1,388 1,514 1,688 Sugar and other sweets............... 180 123 157 157 162 156 164 179 206 Fats and oils........................ 117 109 114 119 106 100 112 117 126 Miscellaneous foods.................. 726 405 682 603 563 625 730 736 847 Nonalcoholic beverages............... 384 303 330 365 306 341 342 433 422 Food prepared by consumer unit on out-of-town trips................... 56 b/ 20 b/ 17 b/ 9 20 42 41 48 87 Food away from home.................... 3,204 1,806 1,403 1,414 1,526 1,888 2,623 3,531 4,547 Alcoholic beverages......................... 462 215 121 177 222 208 368 451 723 Housing..................................... 18,443 10,963 8,692 9,665 10,898 12,623 13,550 16,759 26,206 Shelter.................................. 10,596 6,335 5,053 5,674 6,355 7,371 7,464 9,456 15,079 Owned dwellings........................ 8,207 3,235 1,802 1,658 2,568 4,118 5,238 7,590 13,283 Mortgage interest and charges........ 5,243 2,232 816 935 1,655 2,517 3,565 4,966 8,432 Property taxes....................... 1,692 594 423 373 501 916 1,055 1,537 2,748 Maintenance, repairs, insurance,other expenses............................ 1,273 409 563 350 413 685 619 1,087 2,104 Rented dwellings....................... 1,866 3,027 3,189 3,917 3,672 3,055 2,029 1,515 813 Other lodging.......................... 523 b/ 72 b/ 63 b/ 99 115 198 197 351 983 Utilities, fuels, and public services.... 3,534 2,671 2,329 2,383 2,732 3,005 3,164 3,507 4,274 Natural gas............................ 453 261 271 292 311 413 387 411 587 Electricity............................ 1,274 1,159 860 980 1,059 1,152 1,145 1,282 1,462 Fuel oil and other fuels............... 126 b/ 50 b/ 71 b/ 60 67 90 108 114 179 Telephone services..................... 1,240 911 824 775 982 987 1,121 1,265 1,499 Water and other public services........ 441 289 304 276 313 362 403 435 548 Household operations..................... 1,358 321 283 249 457 473 724 1,089 2,376 Personal services...................... 847 139 142 144 262 244 479 711 1,488 Other household expenses............... 512 182 141 106 195 229 244 378 888 Housekeeping supplies.................... 761 459 449 470 414 518 548 902 1,016 Laundry and cleaning supplies.......... 194 174 143 189 155 175 166 211 218 Other household products............... 404 220 214 224 208 240 260 465 573 Postage and stationery................. 164 b/ 65 92 57 51 103 122 226 224 Household furnishings and equipment...... 2,193 1,177 578 889 940 1,256 1,649 1,805 3,462 Household textiles..................... 164 b/ 37 45 127 73 119 198 98 250 Furniture.............................. 597 546 69 283 326 351 407 397 941 Floor coverings........................ 64 b/ 16 b/ 6 b/ 37 30 24 19 45 113 Major appliances....................... 252 152 120 108 106 194 163 289 341 Small appliances, miscellaneous housewares............................ 98 25 40 101 45 64 90 100 133 Miscellaneous household equipment...... 1,020 401 297 233 361 504 771 876 1,684 Apparel and services........................ 2,558 1,763 1,974 1,470 1,590 1,969 2,103 2,400 3,430 Men and boys............................. 654 388 533 278 323 507 553 540 944 Men, 16 and over....................... 426 168 261 151 177 307 384 329 657 Boys, 2 to 15.......................... 228 219 272 127 146 200 169 211 287 Women and girls.......................... 967 621 635 509 623 676 774 897 1,350 Women, 16 and over..................... 681 484 418 288 439 485 528 652 951 Girls, 2 to 15......................... 287 137 217 221 184 191 246 245 399 Children under 2......................... 173 128 161 233 128 225 193 131 186 Footwear................................. 481 458 466 288 348 393 407 644 513 Other apparel products and services...... 282 168 179 161 168 168 177 188 437 Transportation.............................. 11,025 5,049 6,028 4,498 7,050 7,532 10,003 11,714 14,540 Vehicle purchases (net outlay)........... 5,321 2,139 3,176 1,981 3,637 3,532 5,094 5,940 6,819 Cars and trucks, new................... 2,659 b/ 1,164 b/ 721 b/ 512 b/ 1,145 1,455 2,698 2,537 3,927 Cars and trucks, used.................. 2,556 975 2,455 1,469 2,432 2,056 2,396 3,292 2,702 Other vehicles......................... 106 d/ d/ d/ b/ 60 b/ 21 d/ b/ 112 190 Gasoline and motor oil................... 1,829 1,175 1,136 1,099 1,302 1,492 1,759 1,886 2,239 Other vehicle expenses................... 3,397 1,582 1,608 1,225 1,862 2,342 2,859 3,481 4,703 Vehicle finance charges................ 578 237 263 188 303 380 542 623 786 Maintenance and repairs................ 910 472 387 330 526 601 864 850 1,285 Vehicle insurance...................... 1,250 625 705 564 730 1,011 1,070 1,314 1,635 Vehicle rental, leases, licenses, other charges.............................. 658 248 253 143 303 350 383 695 998 Public transportation.................... 478 152 108 192 249 166 292 407 778 Health care................................. 2,621 1,021 761 890 1,389 2,270 2,645 3,029 3,354 Health insurance......................... 1,352 539 380 486 715 1,228 1,341 1,599 1,698 Medical services......................... 740 295 196 190 360 627 776 849 960 Drugs.................................... 409 152 146 161 257 341 410 445 531 Medical supplies......................... 120 b/ 36 b/ 38 b/ 54 57 74 118 136 165 Entertainment............................... 3,056 1,161 1,307 1,172 1,351 1,768 2,277 2,740 4,665 Fees and admissions...................... 833 251 136 200 230 234 477 689 1,457 Television, radios, sound equipment...... 967 561 480 534 618 768 810 979 1,263 Pets, toys, and playground equipment..... 562 173 223 331 287 345 596 554 776 Other entertainment supplies, equipment,and services.................. 693 175 468 107 217 421 394 518 1,168 Personal care products and services......... 733 526 475 325 475 507 554 706 1,007 Reading..................................... 150 66 36 37 56 84 110 134 237 Education................................... 1,325 489 610 392 299 374 587 851 2,433 Tobacco products and smoking supplies....... 357 282 363 371 482 443 487 358 285 Miscellaneous............................... 946 400 281 389 551 572 726 907 1,377 Cash contributions.......................... 1,306 703 216 351 514 780 957 1,102 2,059 Personal insurance and pensions............. 6,784 629 903 1,254 2,006 3,014 4,028 5,781 11,688 Life and other personal insurance........ 530 259 190 115 232 258 349 443 851 Pensions and Social Security............. 6,254 369 713 1,139 1,774 2,756 3,679 5,338 10,837 Sources of income and personal taxes: a/ Money income before taxes.................. 68,960 5,851 12,565 17,392 24,757 34,516 44,792 59,303 115,029 Wages and salaries....................... 61,996 3,105 8,227 13,411 21,058 30,944 40,305 54,894 103,753 Self-employment income................... 3,591 -430 b/ -204 b/ 416 301 678 1,504 1,695 7,519 Social Security, private and government retirement................... 1,652 844 1,719 1,268 1,668 1,717 1,918 1,508 1,772 Interest, dividends, rental income, other property income................... 617 b/ 102 b/ 6 b/ 41 143 134 183 369 1,227 Unemployment and workers'' compensation, veterans'' benefits..................... 299 b/ 110 b/ 282 b/ 224 381 334 354 406 242 Public assistance, supplemental security, income, food stamps..................... 353 1,449 2,200 1,249 706 353 b/ 94 51 70 Regular contributions for support........ 357 355 266 633 407 279 387 291 365 Other income............................. 94 b/ 316 b/ 69 b/ 150 93 b/ 77 b/ 45 88 82 Personal taxes............................. 2,993 -608 -292 -507 -444 431 789 1,478 6,667 Federal income taxes..................... 2,097 -606 -339 -578 -556 117 421 894 4,921 State and local income taxes............. 723 -19 43 51 82 241 260 461 1,428 Other taxes.............................. 173 b/ 17 b/ 3 20 30 73 107 123 317 Income after taxes......................... 65,967 6,459 12,857 17,899 25,201 34,085 44,003 57,825 108,363 Net change in total assets and liabilities... -24,498 -5,116 496 -930 -15,490 -6,908 -6,535 -15,730 -45,694 Net change in total assets............... 7,047 1,915 2,679 2,726 -3,450 3,050 14,460 7,443 10,122 Net change in total liabilities.......... 31,545 7,030 2,183 3,656 12,040 9,958 20,995 23,172 55,816 Other financial information: Other money receipts..................... 305 b/ 189 b/ 44 b/ 46 85 192 191 484 391 Mortgage principal paid on owned property................................ -2,339 -1,003 -317 -484 -570 -1,001 -1,412 -1,832 -4,042 Estimated market value of owned home..... 149,184 61,898 40,358 33,039 49,055 67,917 95,567 130,613 244,400 Estimated monthly rental value of owned home.................................... 947 380 260 256 331 518 714 908 1,464 Gifts of goods and services................. 1,014 487 642 424 484 523 630 959 1,544 Food..................................... 67 b/ 20 b/ 26 b/ 49 24 b/ 24 b/ 17 59 114 Alcoholic beverages...................... 21 b/ 10 d/ b/ 8 b/ 11 b/ 3 b/ 1 34 33 Housing.................................. 269 106 39 64 147 158 225 306 386 Housekeeping supplies.................. 63 b/ 43 b/ 5 24 b/ 26 24 50 136 64 Household textiles..................... 17 b/ 7 b/ 2 b/ 3 b/ 9 b/ 21 b/ 29 b/ 9 24 Appliances and miscellaneous housewares........................... 23 b/ 1 b/ 1 b/ 2 b/ 8 b/ 4 b/ 39 17 38 Major appliances..................... 9 c/ b/ 1 d/ b/ 2 b/ 1 d/ b/ 2 21 Small appliances and miscellaneous housewares......................... 14 c/ d/ b/ 2 b/ 6 b/ 3 b/ 39 15 17 Miscellaneous household equipment...... 60 b/ 18 b/ 18 b/ 21 b/ 19 34 40 69 92 Other housing.......................... 106 b/ 37 b/ 13 b/ 14 85 74 67 75 168 Apparel and services..................... 229 220 171 187 96 143 185 220 315 Males, 2 and over...................... 62 b/ 53 b/ 60 b/ 14 9 42 21 61 100 Females, 2 and over.................... 69 88 b/ 19 b/ 27 38 26 50 68 104 Children under 2....................... 62 b/ 35 b/ 55 b/ 133 39 66 96 42 62 Other apparel products and services.... 35 b/ 44 b/ 37 b/ 13 b/ 10 b/ 9 b/ 17 49 49 Jewelry and watches.................. 9 b/ 7 b/ 11 b/ 1 b/ 4 b/ 5 b/ 4 7 14 All other apparel products and services............................ 26 b/ 37 b/ 26 b/ 12 b/ 6 b/ 4 b/ 13 b/ 42 35 Transportation........................... 75 b/ 16 313 b/ 20 b/ 113 20 20 107 66 Health care.............................. 17 b/ 10 b/ 3 b/ 4 b/ 18 b/ 23 b/ 20 b/ 20 18 Entertainment............................ 70 b/ 17 b/ 30 b/ 20 39 44 56 87 94 Toys, games, hobbies, and tricycles.... 22 b/ 12 b/ 10 b/ 10 b/ 6 15 15 14 36 Other entertainment.................... 48 b/ 5 b/ 20 b/ 10 33 29 41 73 58 Personal care products and services...... 16 b/ 11 b/ 10 b/ 6 b/ 4 b/ 3 b/ 14 10 29 Reading.................................. 1 d/ d/ d/ c/ b/ 1 c/ 1 1 Education................................ 202 b/ 74 b/ 25 b/ 31 b/ 3 69 67 79 418 All other gifts.......................... 46 b/ 3 25 33 29 36 26 35 71 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.5. d No data reported. n.a. Not applicable.