Table 35. Consumer units of one person by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 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 more Number of consumer units (in thousands)........... 31,631 2,998 4,919 4,970 3,438 4,837 3,466 2,406 2,618 1,978 Consumer unit characteristics: Income before taxes a/ .......................... $27,665 $1,958 $7,765 $12,357 $17,227 $24,550 $34,197 $43,937 $57,967 $108,995 Income after taxes a/ ........................... 26,204 1,957 7,725 12,288 16,952 23,717 32,577 41,631 53,952 99,382 Age of reference person.......................... 51.7 37.9 54.7 62.0 56.7 51.8 47.5 47.9 46.6 48.5 Average number in consumer unit: Persons......................................... 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 Children under 18............................... n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. Persons 65 and over............................. .3 .2 .4 .6 .4 .3 .2 .1 .1 .1 Earners......................................... .6 .6 .4 .3 .6 .7 .9 .9 .9 1.0 Vehicles........................................ 1.0 .6 .6 .9 1.0 1.1 1.3 1.4 1.4 1.4 Percent distribution: Sex of reference person: Male............................................ 45 44 36 34 43 46 53 55 56 62 Female.......................................... 55 56 64 66 57 54 47 45 44 38 Housing tenure: Homeowner....................................... 50 21 34 52 54 53 54 59 67 77 With mortgage.................................. 22 6 6 9 14 19 31 39 52 59 Without mortgage............................... 28 15 28 42 40 33 23 20 15 18 Renter.......................................... 50 79 66 48 46 47 46 41 33 23 Race of reference person: Black or African-American....................... 12 13 17 11 11 12 11 10 9 6 White, Asian, and All Other Races............... 88 87 83 89 89 88 89 90 91 94 Education of reference person: Elementary (1-8)................................ 7 8 19 11 7 4 1 1 1 1 High school (9-12).............................. 34 29 37 49 46 37 29 24 13 10 College......................................... 59 62 43 39 47 59 69 75 86 89 Never attended and other........................ b/ 1 1 b/ b/ b/ c/ c/ c/ c/ At least one vehicle owned or leased............. 75 50 52 69 79 83 92 93 93 90 Average annual expenditures....................... $25,155 $13,100 $12,710 $17,062 $20,656 $24,499 $29,115 $34,056 $42,588 $61,397 Food............................................. 3,056 2,143 1,963 2,356 2,688 2,975 3,385 3,858 4,333 5,605 Food at home.................................... 1,647 1,147 1,316 1,563 1,581 1,675 1,804 1,830 2,007 2,209 Cereals and bakery products.................... 229 168 205 245 244 229 237 250 228 253 Cereals and cereal products................... 74 67 75 85 73 67 67 79 73 79 Bakery products............................... 155 101 130 160 171 163 170 171 156 174 Meats, poultry, fish, and eggs................. 391 270 330 374 365 402 426 421 488 494 Beef.......................................... 106 81 81 95 96 119 123 110 137 132 Pork.......................................... 80 57 78 81 80 82 83 71 90 90 Other meats................................... 49 28 43 47 49 49 51 60 57 62 Poultry....................................... 72 51 63 76 63 73 67 92 89 74 Fish and seafood.............................. 62 32 44 49 51 57 80 68 93 111 Eggs.......................................... 23 21 21 26 25 23 21 20 21 25 Dairy products................................. 179 130 137 176 171 191 191 200 210 235 Fresh milk and cream.......................... 67 52 62 74 67 71 71 62 70 69 Other dairy products.......................... 112 77 75 102 104 120 120 138 141 165 Fruits and vegetables.......................... 298 196 228 296 293 299 325 341 355 398 Fresh fruits.................................. 98 58 71 92 92 105 109 126 117 135 Fresh vegetables.............................. 93 64 71 94 80 86 104 96 118 157 Processed fruits.............................. 62 45 47 65 69 64 69 68 72 66 Processed vegetables.......................... 44 28 39 44 52 44 44 52 48 41 Other food at home............................. 550 384 416 472 508 553 625 617 726 829 Sugar and other sweets........................ 63 36 58 62 61 69 61 72 64 87 Fats and oils................................. 47 34 43 47 46 42 54 50 48 59 Miscellaneous foods........................... 272 193 193 234 251 268 331 300 364 401 Nonalcoholic beverages........................ 148 111 113 122 136 155 155 163 217 213 Food prepared by consumer unit on out-of-town trips............................ 20 10 9 8 12 18 23 33 32 68 Food away from home............................. 1,409 996 646 793 1,108 1,300 1,581 2,028 2,326 3,396 Alcoholic beverages.............................. 342 197 148 218 239 257 358 501 673 908 Housing.......................................... 9,094 4,776 5,023 6,727 7,885 9,010 10,704 11,943 14,186 20,741 Shelter......................................... 5,762 3,196 3,212 3,923 4,815 5,497 6,829 7,896 9,150 13,951 Owned dwellings................................ 2,820 865 866 1,491 2,101 2,342 3,302 4,247 5,762 9,928 Mortgage interest and charges................. 1,300 289 193 329 523 846 1,652 2,324 3,416 5,828 Property taxes................................ 814 287 437 618 883 727 811 976 1,356 2,225 Maintenance, repairs, insurance, other expenses..................................... 706 289 237 544 695 769 839 947 991 1,875 Rented dwellings............................... 2,681 2,130 2,205 2,306 2,576 2,996 3,363 3,381 2,918 2,695 Other lodging.................................. 260 200 141 126 138 159 165 269 469 1,328 Utilities, fuels, and public services........... 1,796 923 1,197 1,630 1,799 1,960 2,083 2,178 2,373 2,887 Natural gas.................................... 263 98 165 270 266 301 300 323 306 451 Electricity.................................... 635 319 451 606 645 682 741 744 797 973 Fuel oil and other fuels....................... 78 35 52 86 110 87 79 57 96 104 Telephone services............................. 632 397 423 491 596 682 759 810 899 1,010 Water and other public services................ 189 73 107 179 183 208 204 244 275 350 Household operations............................ 395 101 129 438 345 469 406 409 581 1,015 Personal services.............................. 104 d/ 14 d/ 35 d/ 204 d/ 118 d/ 162 d/ 63 d/ 19 d/ 119 d/ 154 Other household expenses....................... 291 87 94 235 227 307 343 391 463 861 Housekeeping supplies........................... 318 206 198 280 347 299 377 331 400 565 Laundry and cleaning supplies.................. 74 50 55 62 72 78 94 91 93 80 Other household products....................... 145 99 84 137 162 123 169 142 176 291 Postage and stationery......................... 99 57 60 80 114 98 114 97 131 194 Household furnishings and equipment............. 823 350 286 456 577 786 1,008 1,129 1,682 2,324 Household textiles............................. 77 33 38 38 74 124 76 63 127 156 Furniture...................................... 190 58 44 92 117 178 167 317 455 687 Floor coverings................................ 26 9 5 28 5 17 23 26 51 128 Major appliances............................... 88 14 33 76 70 95 80 140 122 276 Small appliances, miscellaneous housewares.................................... 54 28 21 42 52 68 85 42 65 111 Miscellaneous household equipment.............. 388 208 144 180 259 304 577 541 862 967 Apparel and services............................. 931 546 542 507 716 797 1,026 1,216 1,616 2,524 Men and boys.................................... 180 108 117 66 93 147 192 301 302 557 Men, 16 and over............................... 164 98 113 47 84 131 173 282 275 528 Boys, 2 to 15.................................. 16 10 4 19 9 16 20 19 28 28 Women and girls................................. 395 257 227 235 341 352 397 439 731 975 Women, 16 and over............................. 380 256 223 216 331 338 374 423 706 940 Girls, 2 to 15................................. 15 d/ 1 d/ 4 19 10 14 22 15 25 35 Children under 2................................ 14 6 5 10 13 17 23 17 22 19 Footwear........................................ 177 94 116 111 161 123 232 273 242 403 Other apparel products and services............. 165 80 77 85 108 159 182 186 319 570 Transportation................................... 3,965 1,677 1,615 2,282 3,130 4,443 5,335 5,634 7,986 8,000 Vehicle purchases (net outlay).................. 1,682 521 571 937 1,071 2,089 2,412 2,305 3,894 3,173 Cars and trucks, new........................... 924 d/ 81 d/ 194 552 466 1,213 1,365 1,234 2,216 2,181 Cars and trucks, used.......................... 719 395 378 384 602 854 995 1,037 1,489 889 Other vehicles................................. 39 d/ 45 b/ d/ 1 d/ 3 d/ 22 d/ 52 d/ 34 d/ 189 d/ 104 Gasoline and motor oil.......................... 745 498 424 496 695 809 986 1,023 1,163 1,159 Other vehicle expenses.......................... 1,277 512 521 729 1,193 1,330 1,677 1,963 2,318 2,770 Vehicle finance charges........................ 137 38 39 51 77 126 245 259 317 296 Maintenance and repairs........................ 398 182 184 216 496 394 448 548 681 881 Vehicle insurance.............................. 522 167 234 359 493 619 702 838 801 930 Vehicle rental, leases, licenses, other charges....................................... 221 126 64 103 127 192 282 318 519 663 Public transportation........................... 261 146 98 120 171 215 260 343 611 898 Health care...................................... 1,658 722 1,147 1,993 1,858 1,786 1,685 1,608 1,731 2,736 Health insurance................................ 819 312 607 1,059 980 878 824 860 827 1,020 Medical services................................ 385 213 163 336 337 417 426 347 502 1,145 Drugs........................................... 382 162 323 538 469 431 332 324 319 421 Medical supplies................................ 72 35 54 60 73 60 102 76 83 151 Entertainment.................................... 1,126 634 495 733 799 1,240 1,326 1,390 2,103 2,694 Fees and admissions............................. 272 174 101 111 143 204 312 406 583 991 Television, radios, sound equipment............. 502 300 271 384 418 530 606 631 837 966 Pets, toys, hobbies, and playground equipment... 193 88 82 143 163 216 261 205 312 425 Other entertainment supplies, equipment, and services................................... 160 72 41 95 74 290 147 148 371 312 Personal care products and services.............. 349 205 189 276 314 367 377 483 525 661 Reading.......................................... 98 45 50 76 89 108 100 132 160 210 Education........................................ 576 1,343 713 491 470 267 292 341 454 1,164 Tobacco products and smoking supplies............ 184 133 176 155 189 216 188 230 218 166 Miscellaneous.................................... 493 205 188 247 435 549 477 925 847 1,234 Cash contributions............................... 1,061 270 226 576 914 900 1,064 1,806 1,671 4,488 Personal insurance and pensions.................. 2,222 205 235 423 929 1,585 2,798 3,990 6,085 10,266 Life and other personal insurance............... 157 47 68 115 153 136 173 219 264 455 Pensions and Social Security.................... 2,065 158 167 308 776 1,448 2,625 3,771 5,821 9,811 Sources of income and personal taxes: a/ Money income before taxes........................ 27,665 1,958 7,765 12,357 17,227 24,550 34,197 43,937 57,967 108,995 Wages and salaries.............................. 18,883 1,360 1,954 3,214 7,761 15,035 26,248 35,871 49,167 82,001 Self-employment income.......................... 1,290 -614 54 166 303 849 735 1,679 2,003 12,418 Social Security, private and government retirement..................................... 5,460 454 4,146 7,855 7,759 6,906 5,266 4,433 4,094 6,160 Interest, dividends, rental income, other property income................................ 1,125 31 103 239 532 1,008 1,270 1,402 1,799 7,390 Unemployment and workers' compensation, veterans' benefits............................. 143 d/ 46 89 128 134 202 250 201 130 d/ 88 Public assistance, supplemental security income, food stamps............................ 190 201 739 209 127 48 d/ 13 d/ 3 d/ 2 c/ Regular contributions for support............... 331 264 311 292 384 280 272 d/ 196 537 d/ 602 Other income.................................... 244 214 370 254 225 222 142 153 236 d/ 335 Personal taxes................................... 1,461 1 40 70 275 834 1,620 2,306 4,015 9,613 Federal income taxes............................ 1,064 -28 23 b/ 126 521 1,156 1,709 2,989 7,449 State and local income taxes.................... 288 -1 3 10 57 164 359 493 793 1,796 Other taxes..................................... 109 30 15 60 92 149 105 105 232 368 Income after taxes............................... 26,204 1,957 7,725 12,288 16,952 23,717 32,577 41,631 53,952 99,382 Addenda: Net change in total assets and liabilities....... -4,033 b/ -1,333 -1,410 -2,368 -3,346 -6,194 -3,132 -11,172 -15,886 Net change in total assets...................... 4,229 1,938 -287 53 622 3,044 5,298 6,626 13,078 22,094 Net change in total liabilities................. 8,262 1,937 1,046 1,463 2,990 6,390 11,493 9,758 24,251 37,980 Other financial information: Other money receipts............................ 444 252 109 110 128 453 944 439 754 1,656 Mortgage principal paid on owned property....... -671 -195 -146 -200 -338 -425 -826 -1,170 -1,541 -3,026 Estimated market value of owned home............ 77,709 25,749 35,518 62,531 65,129 75,698 81,193 97,523 126,614 231,369 Estimated monthly rental value of owned home.... 476 174 238 398 436 460 513 614 781 1,203 Gifts of goods and services...................... 831 413 222 470 617 635 876 1,043 1,598 3,224 Food............................................ 31 18 18 15 50 21 22 29 47 100 Alcoholic beverages............................. 15 d/ 1 d/ 5 d/ 2 12 5 8 45 32 61 Housing......................................... 178 97 53 133 230 140 224 182 262 508 Housekeeping supplies.......................... 34 15 13 27 23 28 44 26 67 107 Household textiles............................. 8 d/ 1 d/ 2 d/ 6 10 16 14 d/ 5 d/ 9 d/ 3 Appliances and miscellaneous housewares.................................... 14 d/ 3 d/ 2 10 25 15 30 13 11 28 Major appliances.............................. 5 d/ 1 b/ d/ 3 16 d/ 2 d/ 12 d/ 3 5 d/ 3 Small appliances and miscellaneous housewares................................... 10 d/ 2 d/ 1 7 d/ 9 13 19 d/ 11 d/ 6 25 Miscellaneous household equipment.............. 39 36 10 21 20 23 42 42 115 123 Other housing.................................. 82 42 25 69 152 59 94 96 60 248 Apparel and services............................ 202 110 59 117 106 167 236 272 467 604 Males, 2 and over.............................. 47 46 18 25 24 39 49 89 82 115 Females, 2 and over............................ 72 25 19 46 43 52 73 90 228 175 Children under 2............................... 14 6 5 10 13 17 23 17 22 18 Other apparel products and services............ 70 33 17 37 26 59 91 76 135 295 Jewelry and watches........................... 42 8 13 12 9 40 40 27 108 239 All other apparel products and services....... 27 d/ 24 d/ 5 d/ 25 d/ 17 18 50 d/ 50 d/ 28 d/ 56 Transportation.................................. 57 d/ 5 3 45 13 27 53 121 107 315 Health care..................................... 88 d/ 65 d/ 27 d/ 62 d/ 90 93 116 d/ 37 97 328 Entertainment................................... 58 20 15 35 43 74 78 89 82 157 Toys, games, arts and crafts, and tricycles.... 23 8 6 19 18 34 27 34 34 43 Other entertainment............................ 35 12 9 16 24 39 51 55 48 113 Personal care products and services............. 17 10 7 11 7 15 19 34 32 39 Reading......................................... 1 b/ b/ 1 2 1 2 3 3 2 Education....................................... 101 d/ 55 d/ 3 22 d/ 8 35 70 123 205 818 All other gifts................................. 81 32 31 29 57 57 48 108 263 292 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.