Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 18,103 504 821 880 1,023 2,320 2,256 2,048 3,398 4,853 Income before taxes a/ ...................... $55,026 $765 $7,654 $12,488 $17,494 $24,570 $34,365 $44,233 $58,794 $110,392 Income after taxes a/ ....................... 51,107 589 7,740 12,633 17,593 23,855 32,691 41,782 54,661 100,777 Age of the reference person.................. 39.5 39.1 39.5 39.6 39.2 39.3 39.5 39.2 39.5 39.9 Average number in consumer unit: Persons..................................... 3.2 2.6 2.5 2.9 3.0 3.1 3.0 3.0 3.3 3.6 Children under 18........................... 1.3 1.1 .9 1.3 1.2 1.3 1.2 1.2 1.3 1.5 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.7 1.2 .9 1.1 1.4 1.5 1.7 1.7 1.9 2.1 Vehicles.................................... 2.2 1.4 1.0 1.2 1.5 1.8 2.1 2.3 2.5 2.8 Percent distribution: Male........................................ 56 50 38 40 45 52 53 60 61 64 Female...................................... 44 50 62 60 55 48 47 40 39 36 Homeowner................................... 67 42 28 39 40 51 61 67 80 89 With mortgage.............................. 56 27 13 21 26 36 47 57 71 80 Without mortgage........................... 12 15 16 18 14 16 14 10 9 9 Renter...................................... 33 58 72 61 60 49 39 33 20 11 Black....................................... 12 19 21 24 23 17 14 9 9 6 White and other............................. 88 81 79 76 77 83 86 91 91 94 Elementary (1-8)............................ 3 4 12 9 7 5 4 3 1 c/ High school (9-12).......................... 38 48 59 57 57 51 41 38 33 21 College..................................... 59 48 30 33 35 44 54 58 66 79 Never attended and other.................... c/ d/ d/ 1 1 c/ d/ d/ d/ d/ At least one vehicle owned or leased........ 92 74 65 71 86 90 96 96 97 98 Average annual expenditures.................. $46,786 $24,376 $17,769 $20,886 $25,344 $29,178 $36,118 $42,259 $50,386 $75,911 Food........................................ 6,443 4,543 3,715 3,474 4,754 4,408 5,378 6,653 6,985 8,959 Food at home............................. 3,666 3,187 2,745 2,380 3,167 2,802 3,155 3,794 3,989 4,580 Cereals and bakery products............ 573 476 439 387 474 427 499 548 653 721 Cereals and cereal products.......... 209 199 224 163 168 167 199 208 225 241 Bakery products...................... 364 277 216 223 306 259 300 340 428 480 Meats, poultry, fish, and eggs......... 930 1,039 865 674 882 817 824 983 1,007 1,023 Beef................................. 271 242 274 173 252 246 231 282 308 299 Pork................................. 189 160 226 154 202 177 178 200 204 187 Other meats.......................... 125 165 69 118 103 108 116 140 134 137 Poultry.............................. 176 221 152 108 143 153 157 193 174 211 Fish and seafood..................... 130 208 105 84 138 97 101 135 151 146 Eggs................................. 39 43 38 36 43 37 41 34 35 43 Dairy products......................... 418 322 284 267 334 306 371 413 486 525 Fresh milk and cream................. 166 146 125 125 137 126 172 150 187 196 Other dairy products................. 252 176 158 142 198 180 200 263 298 329 Fruits and vegetables.................. 583 534 430 344 518 457 519 617 575 749 Fresh fruits......................... 177 178 127 93 147 129 153 179 164 246 Fresh vegetables..................... 171 170 134 109 145 140 159 172 169 214 Processed fruits..................... 134 103 104 75 115 103 116 137 137 175 Processed vegetables................. 102 83 65 67 111 84 91 130 106 115 Other food at home..................... 1,161 817 727 708 958 796 941 1,231 1,269 1,562 Sugar and other sweets............... 151 112 96 110 127 108 105 150 158 215 Fats and oils........................ 95 65 67 58 101 84 83 105 100 110 Miscellaneous foods.................. 544 403 265 306 463 341 418 589 610 755 Nonalcoholic beverages............... 318 197 284 207 253 232 297 335 352 390 Food prepared by consumer unit on out-of-town trips................... 52 e/ 39 17 e/ 27 15 31 38 52 49 92 Food away from home.................... 2,777 1,355 969 1,094 1,587 1,606 2,223 2,859 2,996 4,378 Alcoholic beverages......................... 458 414 138 152 157 254 287 474 517 769 Housing..................................... 14,836 8,725 6,814 7,764 8,742 9,591 11,061 12,765 15,257 24,213 Shelter.................................. 8,701 5,256 3,963 4,701 5,112 5,629 6,606 7,646 8,912 14,081 Owned dwellings........................ 6,212 2,506 1,039 1,797 2,122 2,657 3,833 4,933 6,864 12,024 Mortgage interest and charges........ 4,106 1,473 624 947 1,126 1,616 2,570 3,369 4,695 7,974 Property taxes....................... 1,214 675 268 485 435 608 744 884 1,278 2,329 Maintenance, repairs, insurance,other expenses............................ 892 359 148 365 562 434 519 679 890 1,721 Rented dwellings....................... 2,093 2,472 2,821 2,841 2,891 2,841 2,613 2,453 1,635 1,195 Other lodging.......................... 396 e/ 277 104 63 99 131 160 260 413 863 Utilities, fuels, and public services.... 2,700 1,978 1,784 1,984 2,090 2,254 2,412 2,553 2,853 3,490 Natural gas............................ 310 230 170 206 229 222 280 278 347 422 Electricity............................ 981 705 750 812 830 901 886 934 1,034 1,177 Fuel oil and other fuels............... 84 e/ 60 e/ 41 46 57 78 55 85 91 117 Telephone services..................... 992 786 657 719 755 816 929 951 1,015 1,285 Water and other public services........ 333 197 165 201 219 238 262 305 367 489 Household operations..................... 899 282 270 198 340 278 443 540 873 1,994 Personal services...................... 554 186 e/ 175 e/ 75 230 143 269 289 526 1,272 Other household expenses............... 345 96 95 122 110 135 174 251 347 722 Housekeeping supplies.................... 655 370 261 302 385 389 515 547 805 999 Laundry and cleaning supplies.......... 165 165 123 118 166 128 140 164 154 215 Other household products............... 337 139 84 121 169 176 270 264 461 525 Postage and stationery................. 153 66 54 63 50 84 105 119 190 259 Household furnishings and equipment...... 1,882 839 535 580 816 1,041 1,086 1,479 1,814 3,648 Household textiles..................... 124 55 39 30 79 53 83 135 94 240 Furniture.............................. 475 253 155 223 200 222 344 257 394 987 Floor coverings........................ 47 e/ 41 e/ 1 e/ 4 e/ 9 16 24 23 67 92 Major appliances....................... 212 100 71 93 122 135 123 171 194 389 Small appliances, miscellaneous housewares............................ 105 91 24 23 62 48 59 87 100 203 Miscellaneous household equipment...... 919 299 245 207 343 567 453 806 966 1,738 Apparel and services........................ 2,394 1,811 1,102 1,064 1,846 1,523 1,808 2,124 2,439 3,776 Men and boys............................. 585 358 270 173 454 378 426 459 659 933 Men, 16 and over....................... 394 189 187 78 282 226 275 306 463 652 Boys, 2 to 15.......................... 191 169 84 95 172 152 151 152 196 281 Women and girls.......................... 933 901 382 418 713 532 664 838 968 1,492 Women, 16 and over..................... 694 754 259 304 586 351 502 663 702 1,110 Girls, 2 to 15......................... 238 147 123 114 127 181 162 175 266 382 Children under 2......................... 110 101 65 83 75 58 75 124 106 168 Footwear................................. 429 e/ 327 257 183 444 353 450 472 417 519 Other apparel products and services...... 337 123 129 206 161 202 193 232 289 665 Transportation.............................. 8,671 3,596 2,584 4,004 4,504 6,084 7,788 8,529 9,472 13,096 Vehicle purchases (net outlay)........... 4,057 e/ 888 953 2,026 2,039 2,990 3,815 4,203 4,393 6,032 Cars and trucks, new................... 1,797 d/ e/ 100 e/ 392 e/ 542 825 1,341 1,545 2,043 3,401 Cars and trucks, used.................. 2,208 888 853 1,634 1,497 2,152 2,435 2,559 2,282 2,552 Other vehicles......................... 52 d/ d/ d/ d/ e/ 14 e/ 40 e/ 99 e/ 69 79 Gasoline and motor oil................... 1,459 946 672 748 983 1,130 1,378 1,526 1,650 1,906 Other vehicle expenses................... 2,727 1,516 809 1,001 1,341 1,755 2,294 2,521 3,035 4,319 Vehicle finance charges................ 414 237 86 95 214 248 346 374 545 623 Maintenance and repairs................ 780 441 306 366 454 535 651 799 865 1,147 Vehicle insurance...................... 882 461 284 422 488 687 825 899 1,023 1,208 Vehicle rental, leases, licenses, other charges.............................. 652 376 134 118 184 284 472 449 602 1,342 Public transportation.................... 427 246 150 229 141 209 301 278 394 838 Health care................................. 1,757 933 670 902 843 1,256 1,480 1,687 2,099 2,532 Health insurance......................... 803 429 240 352 389 611 698 844 940 1,135 Medical services......................... 555 318 225 226 218 380 464 469 649 860 Drugs.................................... 297 157 182 208 211 207 260 288 379 372 Medical supplies......................... 102 e/ 28 e/ 22 116 25 57 58 86 130 165 Entertainment............................... 2,564 1,304 822 897 1,037 1,265 1,738 2,038 3,081 4,473 Fees and admissions...................... 685 330 124 190 195 252 366 453 719 1,439 Television, radios, sound equipment...... 799 480 374 418 463 566 661 701 899 1,190 Pets, toys, and playground equipment..... 487 264 197 165 248 287 382 503 540 769 Other entertainment supplies, equipment,and services.................. 594 231 128 124 130 159 330 381 923 1,075 Personal care products and services......... 670 455 320 313 406 442 545 666 706 1,012 Reading..................................... 165 87 47 57 54 104 114 129 191 287 Education................................... 602 296 174 258 141 317 398 443 622 1,148 Tobacco products and smoking supplies....... 424 475 563 468 504 436 432 479 443 324 Miscellaneous............................... 982 620 264 542 649 670 917 1,056 1,024 1,410 Cash contributions.......................... 1,040 622 136 194 361 381 784 518 1,130 2,125 Personal insurance and pensions............. 5,780 495 420 796 1,347 2,448 3,387 4,697 6,420 11,787 Life and other personal insurance........ 422 272 84 94 183 201 299 287 468 791 Pensions and Social Security............. 5,358 224 336 702 1,164 2,247 3,088 4,411 5,952 10,996 Sources of income and personal taxes: a/ Money income before taxes.................. 55,026 765 7,654 12,488 17,494 24,570 34,365 44,233 58,794 110,392 Wages and salaries....................... 49,732 1,910 3,180 7,462 13,493 21,148 31,237 40,697 55,124 100,188 Self-employment income................... 2,905 -1,972 348 531 549 1,488 1,495 1,628 2,184 7,150 Social Security, private and government retirement................... 733 e/ 178 1,816 1,802 1,428 808 592 656 454 524 Interest, dividends, rental income, other property income................... 509 e/ 6 167 141 74 43 140 166 167 1,555 Unemployment and workers'' compensation, veterans'' benefits..................... 239 e/ 127 e/ 53 176 213 277 369 379 251 152 Public assistance, supplemental security, income, food stamps..................... 333 326 1,681 1,850 1,012 321 182 109 54 52 Regular contributions for support........ 421 125 230 331 542 402 296 467 455 498 Other income............................. 155 e/ 66 180 195 184 84 54 129 104 273 Personal taxes............................. 3,919 176 -86 -145 -99 715 1,675 2,451 4,133 9,615 Federal income taxes..................... 3,026 100 -147 -190 -244 446 1,252 1,824 3,060 7,680 State and local income taxes............. 766 33 26 21 95 206 343 538 939 1,684 Other taxes.............................. 127 e/ 43 e/ 34 24 50 63 80 90 133 250 Income after taxes......................... 51,107 589 7,740 12,633 17,593 23,855 32,691 41,782 54,661 100,777 Net change in total assets and liabilities... -2,663 497 2,062 1,232 -932 -399 -3,427 -7,648 -3,344 -3,009 Net change in total assets............... 7,740 -1,783 1,680 2,291 254 3,718 5,363 -403 9,131 17,811 Net change in total liabilities.......... 10,403 -2,280 -381 1,060 1,187 4,117 8,790 7,246 12,476 20,820 Other financial information: Other money receipts..................... 484 e/ 179 527 e/ 438 121 287 1,047 252 440 555 Mortgage principal paid on owned property................................ -1,541 -579 -256 -303 -432 -585 -979 -1,301 -1,747 -2,993 Estimated market value of owned home..... 95,310 41,568 21,913 31,058 30,864 46,490 53,992 73,498 99,704 187,233 Estimated monthly rental value of owned home.................................... 673 322 157 262 284 358 435 552 765 1,201 Gifts of goods and services................. 1,084 728 395 405 725 510 761 968 1,054 1,925 Food..................................... 68 e/ 28 e/ 25 e/ 17 13 20 34 34 84 140 Alcoholic beverages...................... 22 e/ 21 e/ 15 e/ 13 e/ 8 e/ 8 15 17 12 44 Housing.................................. 309 145 104 130 153 150 208 276 303 565 Housekeeping supplies.................. 56 e/ 23 e/ 18 e/ 8 29 42 26 33 72 98 Household textiles..................... 15 d/ e/ 18 d/ e/ 1 e/ 3 e/ 14 e/ 41 12 18 Appliances and miscellaneous housewares........................... 30 e/ 5 e/ 2 c/ e/ 5 e/ 14 e/ 16 23 32 62 Major appliances..................... 6 d/ d/ d/ d/ e/ 3 e/ 12 e/ 6 13 4 Small appliances and miscellaneous housewares......................... 24 e/ 5 e/ 2 c/ e/ 5 e/ 11 e/ 5 17 20 58 Miscellaneous household equipment...... 79 e/ 10 e/ 28 12 22 41 39 77 84 152 Other housing.......................... 130 107 39 110 95 50 112 102 102 236 Apparel and services..................... 260 369 164 109 319 131 151 346 226 379 Males, 2 and over...................... 55 e/ 33 e/ 53 e/ 8 161 14 18 37 46 92 Females, 2 and over.................... 90 220 e/ 63 e/ 22 98 61 50 111 77 126 Children under 2....................... 59 e/ 28 e/ 11 37 38 31 39 58 56 102 Other apparel products and services.... 56 e/ 88 e/ 37 e/ 42 e/ 22 26 44 140 47 60 Jewelry and watches.................. 24 e/ 3 e/ 1 e/ 7 e/ 6 11 12 66 19 33 All other apparel products and services............................ 32 e/ 84 e/ 36 e/ 34 e/ 16 e/ 15 e/ 32 e/ 74 29 27 Transportation........................... 48 4 4 7 14 20 43 23 63 90 Health care.............................. 22 c/ e/ 13 e/ 1 e/ 9 e/ 9 45 25 18 28 Entertainment............................ 119 100 41 24 47 66 108 71 129 210 Toys, games, hobbies, and tricycles.... 28 e/ 16 e/ 14 e/ 8 e/ 12 21 32 17 32 42 Other entertainment.................... 91 84 27 16 35 45 76 54 97 169 Personal care products and services...... 32 e/ 28 e/ 3 e/ 1 e/ 47 e/ 14 30 37 31 45 Reading.................................. 1 c/ d/ e/ 1 c/ e/ 1 1 2 2 2 Education................................ 108 e/ 3 e/ 14 e/ 14 e/ 23 14 42 57 84 282 All other gifts.......................... 97 29 12 90 92 77 85 80 102 139 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.