Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 11,423 654 557 598 1,286 1,147 1,153 2,202 3,827 Income before taxes a/ ...................... $61,769 $5,549 $12,576 $17,237 $24,898 $34,635 $44,509 $58,658 $113,003 Income after taxes a/ ....................... 57,366 5,769 12,982 17,772 24,468 33,167 42,102 55,136 103,015 Age of the reference person.................. 40.3 38.2 41.7 39.6 39.9 37.9 38.8 40.2 42.0 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........................... 1.7 1.9 1.7 1.8 1.7 1.7 1.7 1.6 1.6 Persons 65 and over......................... .1 b/ .1 .2 .2 .1 .1 c/ c/ c/ Earners..................................... 2.0 1.4 1.5 1.6 1.8 2.0 2.0 2.2 2.3 Vehicles.................................... 2.6 1.5 1.7 1.7 2.0 2.4 2.7 2.8 3.1 Percent distribution: Male........................................ 61 34 42 45 57 61 68 67 66 Female...................................... 39 66 58 55 43 39 32 33 34 Homeowner................................... 75 42 37 42 59 65 73 84 94 With mortgage.............................. 61 22 17 31 42 52 63 70 82 Without mortgage........................... 13 20 20 11 18 13 10 14 11 Renter...................................... 25 58 63 58 41 35 27 16 6 Black....................................... 11 25 27 21 14 14 10 8 6 White and other............................. 89 75 73 79 86 86 90 92 94 Elementary (1-8)............................ 5 12 17 15 8 6 2 2 1 High school (9-12).......................... 38 59 55 58 54 44 44 39 20 College..................................... 57 29 28 26 38 50 54 59 79 Never attended and other.................... d/ d/ e/ 1 1 e/ e/ e/ d/ At least one vehicle owned or leased........ 95 74 85 82 93 96 98 99 98 Average annual expenditures.................. $53,369 $26,454 $28,837 $27,786 $32,364 $39,876 $47,204 $51,475 $79,531 Food........................................ 7,319 4,702 4,628 4,857 5,106 5,748 7,893 7,565 9,424 Food at home............................. 4,312 3,140 3,255 3,416 3,505 3,597 4,527 4,474 5,126 Cereals and bakery products............ 677 526 471 508 543 545 684 722 814 Cereals and cereal products.......... 246 257 191 182 235 229 256 255 264 Bakery products...................... 431 270 280 325 308 317 428 467 550 Meats, poultry, fish, and eggs......... 1,075 902 936 938 985 948 1,102 1,089 1,199 Beef................................. 318 283 290 264 271 272 357 329 350 Pork................................. 210 219 187 202 218 188 197 232 208 Other meats.......................... 144 96 119 122 124 146 146 150 161 Poultry.............................. 211 166 194 183 200 178 230 201 241 Fish and seafood..................... 147 91 99 122 125 116 128 139 195 Eggs................................. 44 48 48 45 48 48 44 38 43 Dairy products......................... 482 361 346 345 387 416 496 525 565 Fresh milk and cream................. 198 151 156 169 181 209 198 215 208 Other dairy products................. 284 210 190 176 206 207 298 310 357 Fruits and vegetables.................. 711 492 541 588 632 585 732 688 868 Fresh fruits......................... 213 140 135 188 199 174 223 187 271 Fresh vegetables..................... 211 144 176 173 204 185 199 199 254 Processed fruits..................... 165 117 117 121 129 122 156 174 210 Processed vegetables................. 123 91 113 106 100 104 154 127 133 Other food at home..................... 1,367 859 960 1,037 958 1,104 1,513 1,450 1,680 Sugar and other sweets............... 165 96 138 146 119 119 202 175 197 Fats and oils........................ 109 74 89 102 93 105 116 114 120 Miscellaneous foods.................. 666 371 422 476 423 522 769 701 851 Nonalcoholic beverages............... 369 283 288 304 288 324 379 408 416 Food prepared by consumer unit on out-of-town trips................... 58 36 b/ 24 b/ 8 35 34 47 53 96 Food away from home.................... 3,007 1,562 1,373 1,441 1,601 2,151 3,366 3,091 4,298 Alcoholic beverages......................... 331 227 226 104 253 156 244 370 484 Housing..................................... 16,571 9,122 8,975 9,086 10,029 12,494 14,010 15,556 24,884 Shelter.................................. 9,257 5,184 4,801 5,030 5,524 6,952 7,908 8,437 14,086 Owned dwellings........................ 7,133 2,478 1,426 1,817 3,177 4,378 5,533 6,868 12,378 Mortgage interest and charges........ 4,723 1,532 798 1,196 1,953 3,017 3,968 4,513 8,180 Property taxes....................... 1,475 698 319 427 659 835 955 1,415 2,598 Maintenance, repairs, insurance,other expenses............................ 935 247 309 194 564 526 611 940 1,601 Rented dwellings....................... 1,641 2,555 3,255 3,161 2,221 2,385 2,059 1,185 730 Other lodging.......................... 484 b/ 152 b/ 120 b/ 52 126 189 316 384 977 Utilities, fuels, and public services.... 3,070 2,265 2,368 2,299 2,547 2,776 2,839 3,050 3,774 Natural gas............................ 350 253 210 202 266 310 306 348 466 Electricity............................ 1,145 889 1,003 978 1,053 1,038 1,082 1,160 1,309 Fuel oil and other fuels............... 103 b/ 64 76 b/ 79 53 90 92 110 138 Telephone services..................... 1,084 818 861 815 856 1,016 1,008 1,045 1,346 Water and other public services........ 387 241 219 225 318 322 350 388 515 Household operations..................... 1,330 453 265 433 476 624 860 1,143 2,523 Personal services...................... 883 316 148 347 328 453 616 830 1,598 Other household expenses............... 446 138 117 86 148 171 244 312 925 Housekeeping supplies.................... 768 351 439 341 437 663 756 1,004 942 Laundry and cleaning supplies.......... 190 157 190 141 181 159 219 184 212 Other household products............... 418 124 167 150 195 424 408 612 489 Postage and stationery................. 160 70 82 49 61 80 128 208 241 Household furnishings and equipment...... 2,146 868 1,102 983 1,044 1,479 1,647 1,922 3,560 Household textiles..................... 162 14 b/ 206 59 47 100 137 147 273 Furniture.............................. 587 329 237 463 343 490 251 478 976 Floor coverings........................ 57 b/ 11 b/ 7 b/ 29 17 41 32 91 82 Major appliances....................... 250 162 161 119 128 165 200 228 394 Small appliances, miscellaneous housewares............................ 113 57 35 27 39 74 92 95 201 Miscellaneous household equipment...... 978 294 456 286 470 609 935 883 1,634 Apparel and services........................ 2,863 1,931 2,002 2,181 1,758 2,256 2,213 2,844 3,976 Men and boys............................. 733 639 422 386 367 487 514 760 1,089 Men, 16 and over....................... 467 352 192 147 170 294 314 479 761 Boys, 2 to 15.......................... 266 287 230 239 197 192 200 281 328 Women and girls.......................... 1,064 569 854 841 661 871 781 1,110 1,449 Women, 16 and over..................... 770 411 670 677 483 631 554 825 1,017 Girls, 2 to 15......................... 294 159 184 164 179 240 227 285 432 Children under 2......................... 167 97 179 149 143 128 220 169 185 Footwear................................. 525 450 b/ 350 662 401 564 508 570 535 Other apparel products and services...... 374 175 197 144 186 206 190 236 718 Transportation.............................. 10,372 5,640 7,087 6,072 7,456 9,368 9,801 9,769 14,131 Vehicle purchases (net outlay)........... 5,076 3,082 4,181 3,396 3,949 5,020 5,002 4,331 6,655 Cars and trucks, new................... 1,979 b/ 702 b/ 529 b/ 330 b/ 992 1,546 1,502 1,452 3,573 Cars and trucks, used.................. 3,001 2,380 3,591 3,067 2,932 3,412 3,392 2,866 2,872 Other vehicles......................... 95 e/ b/ 61 e/ b/ 24 b/ 62 b/ 108 b/ 13 209 Gasoline and motor oil................... 1,674 916 1,026 1,154 1,353 1,517 1,652 1,847 2,040 Other vehicle expenses................... 3,201 1,348 1,687 1,423 1,971 2,598 2,877 3,211 4,703 Vehicle finance charges................ 506 174 173 244 336 463 515 590 671 Maintenance and repairs................ 911 403 665 467 560 753 756 883 1,333 Vehicle insurance...................... 1,039 503 611 516 707 957 1,012 1,108 1,379 Vehicle rental, leases, licenses, other charges.............................. 745 269 238 196 368 426 595 629 1,321 Public transportation.................... 422 294 193 98 184 233 270 380 733 Health care................................. 2,153 732 1,358 1,051 1,607 1,822 2,225 2,305 2,858 Health insurance......................... 1,034 371 645 550 755 959 1,079 1,172 1,302 Medical services......................... 672 170 365 235 531 512 621 673 981 Drugs.................................... 324 164 187 232 261 295 410 332 387 Medical supplies......................... 123 27 160 b/ 35 60 56 115 127 188 Entertainment............................... 2,890 1,286 1,332 1,166 1,286 1,579 2,293 2,568 4,956 Fees and admissions...................... 831 391 272 121 277 344 420 658 1,654 Television, radios, sound equipment...... 921 501 571 582 576 668 803 885 1,346 Pets, toys, and playground equipment..... 515 240 258 290 282 353 578 514 744 Other entertainment supplies, equipment,and services.................. 622 154 230 174 152 215 491 511 1,212 Personal care products and services......... 748 535 447 405 483 538 717 771 1,031 Reading..................................... 185 65 74 57 100 101 121 168 323 Education................................... 923 438 641 344 451 462 527 779 1,636 Tobacco products and smoking supplies....... 419 420 497 410 529 452 476 476 313 Miscellaneous............................... 1,066 599 374 632 760 915 1,397 1,016 1,398 Cash contributions.......................... 1,191 b/ 240 156 125 359 655 731 1,066 2,321 Personal insurance and pensions............. 6,339 517 1,039 1,295 2,186 3,328 4,557 6,221 11,795 Life and other personal insurance........ 630 266 352 205 233 399 349 574 1,120 Pensions and Social Security............. 5,708 251 687 1,090 1,953 2,929 4,207 5,647 10,675 Sources of income and personal taxes: a/ Money income before taxes.................. 61,769 5,549 12,576 17,237 24,898 34,635 44,509 58,658 113,003 Wages and salaries....................... 54,792 2,585 7,679 12,048 20,272 30,596 39,656 54,097 101,055 Self-employment income................... 3,452 -43 b/ 278 b/ 715 1,496 1,330 2,443 2,219 7,247 Social Security, private and government retirement................... 1,592 948 2,174 2,195 1,933 1,386 1,129 1,134 1,872 Interest, dividends, rental income, other property income................... 678 b/ 24 b/ 67 19 -42 190 205 275 1,743 Unemployment and workers'' compensation, veterans'' benefits..................... 274 b/ 43 b/ 204 b/ 274 393 419 448 286 183 Public assistance, supplemental security, income, food stamps..................... 390 1,616 1,731 1,260 394 378 233 111 59 Regular contributions for support........ 403 251 b/ 274 608 352 268 280 371 528 Other income............................. 189 b/ 124 b/ 169 b/ 117 100 70 115 165 316 Personal taxes............................. 4,403 -220 -406 -535 431 1,468 2,407 3,522 9,988 Federal income taxes..................... 3,432 -272 -428 -644 211 996 1,730 2,506 8,121 State and local income taxes............. 782 -5 -10 30 134 323 546 872 1,524 Other taxes.............................. 189 56 b/ 32 b/ 80 86 149 131 144 342 Income after taxes......................... 57,366 5,769 12,982 17,772 24,468 33,167 42,102 55,136 103,015 Net change in total assets and liabilities... -4,845 37 488 1,497 -2,292 -4,242 -10,195 -1,896 -8,568 Net change in total assets............... 6,568 4,201 1,015 -57 2,847 2,270 738 8,589 11,948 Net change in total liabilities.......... 11,413 4,164 527 -1,554 5,139 6,512 10,933 10,485 20,516 Other financial information: Other money receipts..................... 514 b/ 234 b/ 39 262 58 779 154 362 939 Mortgage principal paid on owned property................................ -1,804 -554 -338 -554 -689 -971 -1,278 -1,719 -3,260 Estimated market value of owned home..... 110,375 46,184 35,173 33,215 51,203 65,702 77,827 101,222 192,684 Estimated monthly rental value of owned home.................................... 768 319 267 293 404 520 569 753 1,259 Gifts of goods and services................. 1,107 577 786 502 530 774 773 991 1,798 Food..................................... 60 b/ 12 b/ 16 b/ 20 22 16 43 46 120 Alcoholic beverages...................... 15 b/ 17 b/ 14 b/ 4 b/ 6 b/ 1 25 14 21 Housing.................................. 341 142 217 154 140 249 223 317 566 Housekeeping supplies.................. 56 b/ 29 b/ 28 b/ 19 19 39 23 85 78 Household textiles..................... 18 e/ b/ 17 b/ 12 b/ 2 b/ 4 b/ 54 16 23 Appliances and miscellaneous housewares........................... 32 b/ 4 b/ 3 b/ 2 b/ 2 b/ 12 24 30 65 Major appliances..................... 5 e/ d/ e/ e/ b/ 6 b/ 10 6 7 Small appliances and miscellaneous housewares......................... 27 b/ 4 b/ 2 b/ 2 b/ 2 b/ 6 b/ 14 25 58 Miscellaneous household equipment...... 80 27 b/ 91 b/ 13 35 61 32 75 137 Other housing.......................... 155 82 78 107 81 132 89 110 263 Apparel and services..................... 250 292 273 152 120 182 259 232 329 Males, 2 and over...................... 58 b/ 83 b/ 107 b/ 30 33 22 31 42 91 Females, 2 and over.................... 82 68 b/ 66 b/ 61 17 94 63 89 107 Children under 2....................... 66 31 b/ 51 34 55 29 71 67 92 Other apparel products and services.... 44 b/ 110 b/ 49 b/ 26 b/ 14 b/ 38 b/ 95 34 38 Jewelry and watches.................. 10 b/ 19 b/ 4 b/ 4 b/ 3 b/ 7 b/ 6 9 17 All other apparel products and services............................ 33 b/ 91 b/ 45 b/ 23 b/ 12 b/ 31 b/ 89 b/ 25 22 Transportation........................... 48 12 b/ 6 d/ 87 47 14 72 50 Health care.............................. 27 b/ 1 b/ 1 b/ 6 b/ 12 b/ 7 b/ 8 b/ 11 65 Entertainment............................ 100 b/ 33 b/ 32 b/ 94 42 81 62 90 163 Toys, games, hobbies, and tricycles.... 27 b/ 7 b/ 9 b/ 11 10 25 30 28 40 Other entertainment.................... 73 b/ 27 b/ 23 82 32 55 32 62 123 Personal care products and services...... 31 b/ 9 b/ 22 b/ 40 12 44 61 30 27 Reading.................................. 1 e/ d/ d/ d/ d/ d/ 1 3 Education................................ 163 b/ 14 b/ 146 b/ 15 b/ 58 108 37 127 323 All other gifts.......................... 72 45 59 b/ 17 31 38 40 50 132 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 0.05. d Value less than 0.5. e No data reported. n.a. Not applicable.