Table 36. Consumer units of two or more persons 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)........... 76,741 1,520 2,314 3,633 4,399 9,000 8,675 7,946 13,653 25,600 Consumer unit characteristics: Income before taxes a/ .......................... $63,596 - $371 $7,890 $12,646 $17,573 $24,813 $34,798 $44,660 $59,337 $119,112 Income after taxes a/ ........................... 60,948 -220 8,069 13,014 17,863 23,834 34,352 43,859 57,435 112,804 Age of reference person.......................... 47.1 43.8 46.3 47.6 50.7 49.4 47.6 46.9 45.6 46.5 Average number in consumer unit: Persons......................................... 3.1 2.9 2.9 2.9 2.9 2.9 3.0 3.1 3.1 3.3 Children under 18............................... .9 1.1 1.1 1.0 .9 .9 .9 .9 .9 .9 Persons 65 and over............................. .3 .3 .3 .4 .6 .5 .4 .3 .2 .2 Earners......................................... 1.6 .9 .7 .9 .9 1.2 1.4 1.6 1.8 2.1 Vehicles........................................ 2.3 1.3 1.2 1.4 1.6 1.8 2.1 2.3 2.6 2.9 Percent distribution: Sex of reference person: Male............................................ 51 33 32 34 44 45 49 52 56 57 Female.......................................... 49 67 68 66 56 55 51 48 44 43 Housing tenure: Homeowner....................................... 74 44 44 46 54 59 67 74 80 90 With mortgage.................................. 50 23 15 16 20 27 38 48 59 72 Without mortgage............................... 24 22 29 30 34 33 29 26 21 18 Renter.......................................... 26 56 56 54 46 41 33 26 20 10 Race of reference person: Black or African-American....................... 12 27 31 23 18 16 12 10 9 6 White, Asian, and All Other Races............... 88 73 69 77 82 84 88 90 91 94 Education of reference person: Elementary (1-8)................................ 5 8 11 14 15 11 6 4 2 1 High school (9-12).............................. 37 50 53 55 52 51 48 43 36 19 College......................................... 58 42 35 30 32 38 45 52 62 80 Never attended and other........................ b/ b/ 1 1 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased............. 93 68 69 79 86 90 95 96 98 98 Average annual expenditures....................... $50,439 $27,021 $20,390 $23,127 $25,216 $30,261 $35,716 $40,411 $49,607 $78,450 Food............................................. 6,775 5,209 3,811 4,309 4,370 4,841 5,616 5,996 6,817 9,219 Food at home.................................... 3,972 3,570 2,634 3,197 3,136 3,259 3,541 3,722 4,013 4,836 Cereals and bakery products.................... 552 539 384 440 445 458 497 531 567 655 Cereals and cereal products................... 187 204 155 161 161 161 178 178 187 212 Bakery products............................... 365 334 229 279 284 298 319 354 380 442 Meats, poultry, fish, and eggs................. 1,053 965 771 897 848 925 961 1,016 1,068 1,224 Beef.......................................... 322 269 232 249 259 274 294 311 346 374 Pork.......................................... 217 219 157 232 180 220 205 220 212 230 Other meats................................... 130 120 92 112 106 108 110 123 136 154 Poultry....................................... 184 179 132 150 153 155 169 165 184 220 Fish and seafood.............................. 153 130 112 110 108 119 130 151 147 196 Eggs.......................................... 48 47 45 44 43 49 52 47 44 49 Dairy products................................. 432 382 262 328 347 351 396 417 435 525 Fresh milk and cream.......................... 168 164 127 147 156 149 164 169 165 187 Other dairy products.......................... 264 218 135 182 191 201 232 249 270 338 Fruits and vegetables.......................... 665 607 433 554 541 542 612 604 638 822 Fresh fruits.................................. 217 184 138 167 170 176 195 199 197 280 Fresh vegetables.............................. 217 201 142 187 181 179 201 187 208 270 Processed fruits.............................. 130 114 84 110 99 107 120 120 129 159 Processed vegetables.......................... 100 108 70 90 91 80 95 98 104 114 Other food at home............................. 1,269 1,078 784 977 955 983 1,076 1,153 1,304 1,610 Sugar and other sweets........................ 152 134 95 118 119 121 127 137 151 193 Fats and oils................................. 105 99 81 91 92 95 96 108 103 119 Miscellaneous foods........................... 623 489 344 467 465 456 517 560 638 815 Nonalcoholic beverages........................ 342 331 243 279 263 291 306 320 363 402 Food prepared by consumer unit on out-of-town trips............................ 48 25 20 21 16 21 31 28 49 81 Food away from home............................. 2,803 1,639 1,177 1,112 1,233 1,583 2,075 2,274 2,804 4,383 Alcoholic beverages.............................. 497 309 168 184 171 255 302 409 478 830 Housing.......................................... 15,735 9,978 7,634 8,452 8,849 10,088 11,404 12,703 14,983 23,827 Shelter......................................... 8,878 5,865 4,197 4,677 4,862 5,626 6,300 6,910 8,399 13,648 Owned dwellings................................ 6,320 2,814 1,576 1,635 2,078 2,705 3,560 4,514 6,115 11,227 Mortgage interest and charges................. 3,622 1,604 696 691 856 1,313 1,852 2,582 3,660 6,612 Property taxes................................ 1,580 715 545 564 600 774 946 1,116 1,458 2,746 Maintenance, repairs, insurance, other expenses..................................... 1,117 494 335 380 622 617 762 816 997 1,869 Rented dwellings............................... 2,010 2,871 2,525 2,939 2,653 2,759 2,519 2,117 1,864 1,278 Other lodging.................................. 548 181 96 104 131 162 221 280 419 1,143 Utilities, fuels, and public services........... 3,323 2,344 2,290 2,409 2,436 2,639 2,872 3,156 3,412 4,153 Natural gas.................................... 468 308 297 309 342 362 397 442 466 607 Electricity.................................... 1,214 959 982 997 973 1,027 1,079 1,169 1,224 1,442 Fuel oil and other fuels....................... 133 70 78 93 97 95 129 124 130 172 Telephone services............................. 1,123 749 707 775 764 871 938 1,044 1,190 1,434 Water and other public services................ 385 258 227 234 261 284 330 378 402 497 Household operations............................ 882 371 207 297 357 409 464 555 734 1,634 Personal services.............................. 381 145 75 134 189 165 197 246 325 700 Other household expenses....................... 501 226 132 163 168 243 268 309 409 934 Housekeeping supplies........................... 699 444 322 401 447 456 556 612 688 1,005 Laundry and cleaning supplies.................. 177 141 122 145 156 143 162 163 178 214 Other household products....................... 348 243 132 184 189 212 271 292 326 528 Postage and stationery......................... 175 60 67 73 101 101 123 156 184 263 Household furnishings and equipment............. 1,954 954 620 667 747 958 1,212 1,470 1,750 3,386 Household textiles............................. 172 80 58 54 76 85 123 154 142 290 Furniture...................................... 510 188 208 209 172 217 259 332 464 925 Floor coverings................................ 63 39 7 17 13 17 21 49 57 123 Major appliances............................... 252 103 103 93 137 157 199 256 243 369 Small appliances, miscellaneous housewares.................................... 119 86 39 45 63 74 99 94 95 193 Miscellaneous household equipment.............. 838 458 205 248 287 408 511 586 747 1,487 Apparel and services............................. 2,138 1,713 1,138 1,329 1,192 1,225 1,592 1,590 1,905 3,343 Men and boys.................................... 488 326 214 273 252 245 378 359 441 784 Men, 16 and over............................... 367 230 110 168 173 152 273 264 330 622 Boys, 2 to 15.................................. 121 96 104 105 79 93 104 95 110 162 Women and girls................................. 855 617 427 497 421 477 626 630 775 1,363 Women, 16 and over............................. 708 493 345 403 326 377 519 522 637 1,144 Girls, 2 to 15................................. 147 124 82 93 95 100 107 108 138 219 Children under 2................................ 109 102 102 88 102 92 89 90 93 143 Footwear........................................ 380 541 265 342 279 280 328 289 377 490 Other apparel products and services............. 306 128 131 130 138 132 171 222 220 564 Transportation................................... 9,512 4,456 3,355 4,084 4,395 5,781 6,975 7,957 10,440 14,179 Vehicle purchases (net outlay).................. 4,401 1,897 1,328 1,780 1,688 2,512 3,063 3,498 5,067 6,708 Cars and trucks, new........................... 2,354 c/ 996 c/ 492 708 442 1,004 1,341 1,438 2,450 4,216 Cars and trucks, used.......................... 1,967 872 836 1,063 1,242 1,508 1,714 1,966 2,473 2,365 Other vehicles................................. 80 c/ 29 d/ c/ 9 c/ 5 c/ 1 8 94 144 126 Gasoline and motor oil.......................... 1,787 987 885 1,019 1,119 1,283 1,519 1,724 1,971 2,329 Other vehicle expenses.......................... 2,836 1,319 980 1,135 1,416 1,733 2,150 2,469 3,024 4,214 Vehicle finance charges........................ 437 205 101 128 138 238 318 412 526 648 Maintenance and repairs........................ 756 376 324 341 451 480 598 636 785 1,102 Vehicle insurance.............................. 1,121 505 392 540 643 771 947 1,059 1,210 1,543 Vehicle rental, leases, licenses, other charges....................................... 521 233 163 126 183 244 286 362 503 921 Public transportation........................... 489 253 162 150 172 253 243 266 378 929 Health care...................................... 2,892 1,365 1,307 1,523 2,117 2,426 2,698 2,883 3,043 3,606 Health insurance................................ 1,499 669 717 807 1,125 1,309 1,405 1,568 1,619 1,794 Medical services................................ 730 296 220 307 376 482 630 650 755 1,056 Drugs........................................... 532 341 322 347 531 534 552 551 528 576 Medical supplies................................ 132 59 48 61 85 102 110 114 142 179 Entertainment.................................... 2,632 1,168 808 855 1,005 1,643 1,738 1,965 2,543 4,324 Fees and admissions............................. 621 235 115 115 128 224 283 371 534 1,223 Television, radios, sound equipment............. 880 482 448 467 505 596 680 790 905 1,247 Pets, toys, hobbies, and playground equipment... 479 232 160 172 223 374 360 426 457 713 Other entertainment supplies, equipment, and services................................... 653 218 85 101 149 448 415 377 646 1,142 Personal care products and services.............. 662 394 312 346 370 415 481 562 634 1,001 Reading.......................................... 145 60 47 47 65 77 99 120 134 240 Education........................................ 964 361 311 343 268 291 318 421 690 2,039 Tobacco products and smoking supplies............ 341 265 289 368 360 354 373 403 366 295 Miscellaneous.................................... 747 594 441 291 432 475 560 641 802 1,066 Cash contributions............................... 1,575 665 314 289 567 760 858 1,089 1,299 2,926 Personal insurance and pensions.................. 5,822 483 455 708 1,055 1,628 2,704 3,671 5,474 11,553 Life and other personal insurance............... 500 199 143 173 243 234 311 360 448 869 Pensions and Social Security.................... 5,322 284 312 534 812 1,394 2,392 3,311 5,025 10,684 Sources of income and personal taxes: a/ Money income before taxes........................ 63,596 -371 7,890 12,646 17,573 24,813 34,798 44,660 59,337 119,112 Wages and salaries.............................. 52,115 2,358 2,750 5,852 8,793 15,559 25,449 34,549 49,721 102,158 Self-employment income.......................... 3,216 -4,718 -80 237 415 565 846 1,401 2,146 7,758 Social Security, private and government retirement..................................... 5,831 879 2,573 3,985 6,543 7,058 6,927 7,001 5,661 5,485 Interest, dividends, rental income, other property income................................ 1,225 10 100 53 118 310 524 594 764 2,755 Unemployment and workers' compensation, veterans' benefits............................. 295 c/ 76 129 263 265 292 300 368 356 277 Public assistance, supplemental security income, food stamps............................ 359 603 1,796 1,640 874 494 340 233 126 67 Regular contributions for support............... 404 224 385 425 423 418 342 394 418 421 Other income.................................... 152 196 237 191 143 118 71 118 146 191 Personal taxes................................... 2,649 -151 -179 -367 -290 979 446 801 1,902 6,308 Federal income taxes............................ 1,883 -174 -234 -413 -365 803 116 377 1,256 4,688 State and local income taxes.................... 558 -41 1 -10 24 79 167 254 439 1,275 Other taxes..................................... 208 64 54 56 51 97 163 170 207 345 Income after taxes............................... 60,948 -220 8,069 13,014 17,863 23,834 34,352 43,859 57,435 112,804 Addenda: Net change in total assets and liabilities....... -14,214 500 -1,361 818 -2,265 -3,920 -4,509 -11,026 -13,186 -28,881 Net change in total assets...................... 9,544 7,513 1,363 2,128 1,191 2,789 6,364 5,900 8,561 17,999 Net change in total liabilities................. 23,757 7,013 2,723 1,310 3,457 6,709 10,872 16,926 21,747 46,880 Other financial information: Other money receipts............................ 630 181 440 990 214 148 452 322 545 1,064 Mortgage principal paid on owned property....... -2,102 -820 -508 -396 -467 -695 -936 -1,289 -1,853 -4,121 Estimated market value of owned home............ 150,885 69,078 47,233 55,038 65,300 78,107 96,208 109,270 136,908 257,906 Estimated monthly rental value of owned home.... 880 456 329 368 418 511 599 698 848 1,404 Gifts of goods and services...................... 1,276 446 323 517 540 505 726 714 1,050 2,403 Food............................................ 98 14 24 27 25 38 60 39 71 199 Alcoholic beverages............................. 21 c/ 14 6 10 18 7 12 11 21 37 Housing......................................... 299 88 76 143 122 143 168 202 237 548 Housekeeping supplies.......................... 64 20 20 23 19 35 40 46 64 109 Household textiles............................. 21 c/ 3 c/ 7 c/ 7 13 9 11 9 21 37 Appliances and miscellaneous housewares.................................... 37 c/ 3 c/ 5 c/ 8 9 15 26 37 22 69 Major appliances.............................. 12 c/ 2 c/ 2 c/ 1 c/ 2 c/ 3 4 23 3 22 Small appliances and miscellaneous housewares................................... 25 c/ 1 c/ 3 c/ 7 c/ 7 12 22 14 18 47 Miscellaneous household equipment.............. 80 19 6 35 37 40 45 46 78 141 Other housing.................................. 98 43 38 70 44 45 46 65 52 191 Apparel and services............................ 290 170 112 215 207 149 226 219 277 439 Males, 2 and over.............................. 76 38 36 55 57 30 59 50 72 122 Females, 2 and over............................ 106 40 31 86 52 59 68 81 105 167 Children under 2............................... 50 15 26 31 52 37 35 42 46 70 Other apparel products and services............ 58 c/ 76 c/ 19 43 46 23 65 46 53 80 Jewelry and watches........................... 16 c/ 2 c/ 5 c/ 1 6 4 14 11 19 27 All other apparel products and services....... 42 c/ 74 c/ 14 41 40 19 51 35 34 53 Transportation.................................. 51 c/ 4 14 14 29 27 42 32 57 80 Health care..................................... 35 c/ 11 c/ 16 c/ 14 c/ 21 16 23 21 45 53 Entertainment................................... 86 30 26 34 36 46 60 57 81 145 Toys, games, arts and crafts, and tricycles.... 30 c/ 12 13 14 14 17 26 26 31 45 Other entertainment............................ 55 19 13 20 22 28 35 31 49 100 Personal care products and services............. 27 23 8 7 15 14 18 28 25 43 Reading......................................... 1 b/ b/ b/ b/ b/ 1 1 2 2 Education....................................... 278 c/ 18 c/ 11 c/ 15 17 29 39 47 152 708 All other gifts................................. 89 73 31 37 49 35 76 59 82 147 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 Data are likely to have large sampling errors. d No data reported.