Table 36. Consumer units of two or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 66,676 1,485 2,335 3,615 4,308 8,448 7,684 6,777 11,425 20,600 Income before taxes a/ ...................... $60,125 $369 $7,908 $12,596 $17,479 $24,657 $34,579 $44,560 $59,220 $117,306 Income after taxes a/ ....................... 57,266 424 8,128 12,849 17,732 23,685 33,933 43,272 57,087 110,175 Age of the reference person.................. 46.9 43.3 45.2 49.2 50.6 49.9 47.6 46.5 45.2 45.7 Average number in consumer unit: Persons..................................... 3.1 3.0 3.0 2.9 2.9 3.0 3.1 3.1 3.2 3.3 Children under 18........................... .9 1.0 1.2 1.0 .9 .9 .9 .9 .9 .9 Persons 65 and over......................... .3 .2 .3 .5 .6 .5 .4 .3 .2 .1 Earners..................................... 1.6 1.1 .9 1.0 1.0 1.2 1.5 1.7 1.9 2.1 Vehicles.................................... 2.4 1.6 1.2 1.5 1.6 1.8 2.2 2.4 2.7 3.0 Percent distribution: Male........................................ 53 37 31 37 43 49 51 54 58 61 Female...................................... 47 63 69 63 57 51 49 46 42 39 Homeowner................................... 73 49 45 47 54 60 67 73 79 90 With mortgage.............................. 49 26 17 14 21 29 38 50 59 73 Without mortgage........................... 24 24 27 33 33 31 29 24 21 17 Renter...................................... 27 51 55 53 46 40 33 27 21 10 Black or African American................... 12 27 30 22 17 15 11 10 9 6 White, Asian, and All Other Races........... 88 73 70 78 83 85 89 90 91 94 Elementary (1-8)............................ 5 6 11 15 15 11 6 5 2 1 High school (9-12).......................... 38 48 56 57 50 50 49 42 36 20 College..................................... 56 45 33 28 33 38 45 53 62 79 Never attended and other.................... b/ c/ 1 1 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 94 74 71 78 87 91 96 97 98 98 Average annual expenditures.................. $50,015 $29,106 $22,019 $24,232 $26,493 $31,127 $36,894 $42,594 $51,839 $78,447 Food........................................ 6,662 5,376 4,166 4,405 4,392 5,031 5,578 6,036 7,044 9,089 Food at home............................. 3,894 3,639 2,826 3,284 3,022 3,388 3,567 3,697 4,009 4,698 Cereals and bakery products............ 559 534 386 479 447 487 503 535 578 671 Cereals and cereal products.......... 191 204 154 176 159 173 180 179 191 221 Bakery products...................... 368 330 233 303 288 314 323 356 386 450 Meats, poultry, fish, and eggs......... 1,016 984 812 955 789 956 940 947 1,068 1,155 Beef................................. 308 276 216 274 227 290 279 287 352 347 Pork................................. 212 237 185 229 183 221 205 199 215 218 Other meats.......................... 126 112 108 135 98 118 111 117 137 140 Poultry.............................. 179 171 140 154 140 169 161 169 184 209 Fish and seafood..................... 148 145 120 121 99 111 140 130 141 197 Eggs................................. 43 43 44 42 42 47 45 44 40 44 Dairy products......................... 415 369 288 323 329 361 376 428 419 500 Fresh milk and cream................. 161 149 131 139 142 157 151 164 159 178 Other dairy products................. 254 219 157 184 187 204 225 264 261 321 Fruits and vegetables.................. 671 629 481 560 541 593 632 605 648 829 Fresh fruits......................... 213 194 149 165 167 184 199 188 197 277 Fresh vegetables..................... 216 201 156 179 171 201 210 186 203 268 Processed fruits..................... 137 139 94 120 109 122 123 127 137 167 Processed vegetables................. 104 95 82 96 94 86 100 105 111 117 Other food at home..................... 1,235 1,124 859 966 916 991 1,116 1,182 1,295 1,544 Sugar and other sweets............... 148 128 103 119 115 127 133 141 148 186 Fats and oils........................ 105 98 86 94 89 99 98 101 108 118 Miscellaneous foods.................. 602 511 401 458 450 462 541 584 638 766 Nonalcoholic beverages............... 329 358 247 271 249 277 306 318 354 389 Food prepared by consumer unit on out-of-town trips................... 50 29 23 24 12 27 39 37 47 85 Food away from home.................... 2,768 1,737 1,341 1,121 1,370 1,643 2,011 2,339 3,035 4,391 Alcoholic beverages......................... 476 376 222 167 177 267 303 412 477 817 Housing..................................... 15,564 10,446 8,063 8,370 8,909 10,262 11,456 13,192 15,483 24,010 Shelter.................................. 8,869 6,105 4,437 4,685 4,979 5,615 6,383 7,356 8,573 14,041 Owned dwellings........................ 6,285 3,200 1,853 1,761 2,271 2,805 3,627 4,778 6,229 11,587 Mortgage interest and charges........ 3,667 1,915 914 696 889 1,416 1,902 2,765 3,768 7,028 Property taxes....................... 1,474 791 524 622 667 751 904 1,074 1,389 2,637 Maintenance, repairs, insurance,other expenses............................ 1,144 494 415 443 715 638 820 939 1,072 1,921 Rented dwellings....................... 2,024 2,561 2,458 2,778 2,561 2,612 2,487 2,261 1,906 1,266 Other lodging.......................... 560 344 126 145 147 198 268 317 438 1,188 Utilities, fuels, and public services.... 3,181 2,474 2,294 2,332 2,367 2,624 2,803 3,035 3,333 3,984 Natural gas............................ 407 313 249 297 296 326 357 380 398 539 Electricity............................ 1,162 981 1,002 936 951 1,019 1,063 1,125 1,215 1,355 Fuel oil and other fuels............... 116 66 67 93 97 98 108 102 111 151 Telephone services..................... 1,110 833 747 755 747 879 946 1,051 1,206 1,431 Water and other public services........ 386 281 229 252 276 303 329 376 403 508 Household operations..................... 882 405 249 299 356 449 484 625 818 1,648 Personal services...................... 418 172 114 141 190 201 220 300 399 778 Other household expenses............... 464 233 135 158 166 248 264 325 420 869 Housekeeping supplies.................... 709 473 358 403 443 494 551 589 921 965 Laundry and cleaning supplies.......... 172 143 133 132 174 149 157 145 178 206 Other household products............... 372 225 155 187 189 230 267 296 553 515 Postage and stationery................. 165 105 71 84 80 115 127 147 191 243 Household furnishings and equipment...... 1,923 988 725 651 763 1,079 1,235 1,588 1,838 3,372 Household textiles..................... 159 54 76 51 83 117 111 165 141 256 Furniture.............................. 498 129 242 132 150 269 276 333 461 942 Floor coverings........................ 59 49 6 21 22 23 24 30 37 130 Major appliances....................... 247 116 96 129 107 170 185 243 254 375 Small appliances, miscellaneous housewares............................ 120 86 33 46 67 80 93 93 117 196 Miscellaneous household equipment...... 840 555 271 271 334 419 547 724 827 1,473 Apparel and services........................ 2,165 1,892 1,092 1,394 1,311 1,269 1,674 1,721 2,109 3,392 Men and boys............................. 501 415 274 269 294 265 409 387 476 811 Men, 16 and over....................... 376 278 185 145 189 188 303 292 357 636 Boys, 2 to 15.......................... 125 137 89 124 106 77 106 94 119 175 Women and girls.......................... 861 664 373 609 460 497 658 696 837 1,375 Women, 16 and over..................... 699 553 289 498 336 385 537 547 680 1,138 Girls, 2 to 15......................... 162 111 84 111 123 112 121 150 157 237 Children under 2......................... 116 96 69 80 95 86 118 114 103 155 Footwear................................. 391 566 246 305 326 268 313 308 445 509 Other apparel products and services...... 295 152 130 130 137 153 177 216 247 541 Transportation.............................. 9,697 5,112 3,930 4,674 5,311 5,966 7,633 8,992 11,218 14,169 Vehicle purchases (net outlay)........... 4,699 2,379 1,759 2,351 2,648 2,694 3,677 4,385 5,636 6,826 Cars and trucks, new................... 2,389 996 d/ 516 712 1,023 933 1,449 1,875 2,579 4,294 Cars and trucks, used.................. 2,226 1,354 1,243 1,605 1,624 1,752 2,197 2,420 2,947 2,376 Other vehicles......................... 83 d/ 30 c/ d/ 34 c/ d/ 9 d/ 31 90 111 156 Gasoline and motor oil................... 1,575 972 836 887 994 1,167 1,429 1,551 1,768 2,066 Other vehicle expenses................... 2,970 1,528 1,165 1,286 1,491 1,840 2,277 2,749 3,381 4,453 Vehicle finance charges................ 495 241 159 172 173 263 403 467 625 743 Maintenance and repairs................ 806 405 364 359 489 537 613 762 908 1,171 Vehicle insurance...................... 1,102 571 457 588 636 778 959 1,078 1,232 1,523 Vehicle rental, leases, licenses, other charges.............................. 567 311 185 167 192 262 302 443 617 1,016 Public transportation.................... 453 233 170 150 178 264 249 307 433 825 Health care................................. 2,816 1,606 1,322 1,701 2,190 2,598 2,712 2,912 2,990 3,402 Health insurance......................... 1,417 791 672 895 1,157 1,314 1,401 1,485 1,519 1,663 Medical services......................... 712 373 258 319 389 513 638 747 784 981 Drugs.................................... 556 362 340 408 559 648 558 561 554 582 Medical supplies......................... 131 80 52 79 84 122 115 118 132 176 Entertainment............................... 2,578 1,198 881 933 998 1,422 1,786 2,037 2,602 4,431 Fees and admissions...................... 638 287 146 136 173 227 291 426 571 1,308 Television, radios, sound equipment...... 831 532 458 465 485 580 669 792 896 1,173 Pets, toys, and playground equipment..... 488 200 186 190 235 406 332 476 532 720 Other entertainment supplies, equipment,and services.................. 621 178 90 141 105 209 494 344 602 1,230 Personal care products and services......... 653 406 351 377 382 450 497 555 674 981 Reading..................................... 153 69 54 64 75 88 104 129 153 255 Education................................... 879 573 323 380 346 282 347 466 643 1,876 Tobacco products and smoking supplies....... 365 261 310 352 349 387 413 447 412 305 Miscellaneous............................... 834 468 391 370 428 569 669 712 1,000 1,199 Cash contributions.......................... 1,544 776 442 346 521 872 961 1,099 1,388 2,875 Personal insurance and pensions............. 5,628 547 471 702 1,102 1,665 2,761 3,885 5,646 11,649 Life and other personal insurance........ 518 254 151 193 268 270 339 395 491 911 Pensions and Social Security............. 5,111 293 320 509 834 1,396 2,423 3,490 5,155 10,738 Sources of income and personal taxes: a/ Money income before taxes.................. 60,125 369 7,908 12,596 17,479 24,657 34,579 44,560 59,220 117,306 Wages and salaries....................... 49,763 1,656 3,096 5,543 9,023 15,265 25,628 35,129 50,312 102,462 Self-employment income................... 2,627 -3,162 40 291 351 466 798 1,438 1,709 6,692 Social Security, private and government retirement................... 5,494 981 2,340 4,420 6,329 7,338 6,599 6,363 5,551 4,705 Interest, dividends, rental income, other property income................... 1,074 -23 72 57 102 290 518 602 640 2,573 Unemployment and workers'' compensation, veterans'' benefits..................... 292 60 129 242 209 273 311 357 377 284 Public assistance, supplemental security, income, food stamps..................... 381 493 1,732 1,529 905 495 316 176 168 73 Regular contributions for support........ 365 212 302 381 399 434 328 395 342 361 Other income............................. 129 150 197 134 159 97 81 98 120 157 Personal taxes............................. 2,858 -55 -220 -252 -253 973 646 1,289 2,133 7,131 Federal income taxes..................... 2,078 -110 -279 -270 -339 787 293 796 1,442 5,391 State and local income taxes............. 584 -23 5 13 26 93 195 339 493 1,387 Other taxes.............................. 196 78 55 5 59 92 158 153 197 353 Income after taxes......................... 57,266 424 8,128 12,849 17,732 23,685 33,933 43,272 57,087 110,175 Net change in total assets and liabilities... -14,134 529 -2,945 30 -5,000 -5,804 -4,877 -10,223 -12,226 -30,069 Net change in total assets............... 7,240 7,090 2,023 3,229 -784 2,108 5,138 4,964 5,615 14,763 Net change in total liabilities.......... 21,374 6,560 4,968 3,199 4,216 7,912 10,015 15,186 17,841 44,831 Other financial information: Other money receipts..................... 681 382 175 1,036 341 178 429 1,262 593 928 Mortgage principal paid on owned property................................ -1,862 -919 -573 -439 -414 -762 -849 -1,275 -1,707 -3,738 Estimated market value of owned home..... 130,035 79,591 47,766 53,903 59,379 71,145 82,657 95,485 122,356 228,582 Estimated monthly rental value of owned home.................................... 835 513 353 377 409 515 581 681 830 1,361 Gifts of goods and services................. 1,192 641 303 504 520 586 693 800 1,108 2,218 Food..................................... 105 65 13 41 34 44 79 31 98 210 Alcoholic beverages...................... 19 d/ 19 8 9 18 13 9 5 23 31 Housing.................................. 291 196 83 113 130 175 187 260 272 498 Housekeeping supplies.................. 54 38 20 23 32 37 34 45 73 77 Household textiles..................... 18 d/ 10 d/ 1 8 6 12 13 20 16 31 Appliances and miscellaneous housewares........................... 33 d/ 5 d/ 8 d/ 6 9 18 27 37 27 58 Major appliances..................... 10 d/ 1 d/ 1 b/ d/ 3 5 4 17 6 19 Small appliances and miscellaneous housewares......................... 23 d/ 5 d/ 7 d/ 5 7 13 23 20 20 39 Miscellaneous household equipment...... 77 61 11 37 32 42 53 73 75 127 Other housing.......................... 110 82 43 39 50 66 61 86 81 205 Apparel and services..................... 264 177 90 177 145 143 196 191 280 426 Males, 2 and over...................... 70 65 23 54 48 43 54 41 68 113 Females, 2 and over.................... 94 53 32 65 30 40 56 62 101 168 Children under 2....................... 53 34 25 32 45 35 47 57 48 74 Other apparel products and services.... 47 d/ 26 d/ 11 27 21 26 39 31 63 71 Jewelry and watches.................. 18 d/ 3 d/ 7 6 3 7 12 15 24 30 All other apparel products and services............................ 29 d/ 23 d/ 4 d/ 21 d/ 18 19 27 17 39 41 Transportation........................... 44 8 13 63 12 25 16 36 70 60 Health care.............................. 35 d/ 14 d/ 15 d/ 19 d/ 18 19 19 41 41 52 Entertainment............................ 86 38 24 28 29 59 59 64 88 147 Toys, games, hobbies, and tricycles.... 32 d/ 11 12 15 11 22 27 29 35 47 Other entertainment.................... 55 26 13 13 18 37 32 35 53 100 Personal care products and services...... 24 19 10 14 13 18 19 30 24 32 Reading.................................. 1 d/ 1 b/ b/ b/ 1 1 1 2 2 Education................................ 237 67 d/ 6 14 67 48 45 80 132 610 All other gifts.......................... 86 38 40 27 54 42 62 61 78 150 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.