Table 37. Consumer units of two persons 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)...... 24,761 716 1,430 2,147 2,374 3,919 3,125 2,486 3,638 4,926 Income before taxes a/ ...................... $47,455 $1,753 $7,633 $12,533 $17,408 $24,425 $34,640 $44,446 $58,713 $115,023 Income after taxes a/ ....................... 43,842 1,529 7,674 12,386 16,933 23,611 32,965 41,611 54,247 103,612 Age of the reference person.................. 52.9 47.7 54.7 57.6 59.0 57.1 53.1 49.9 49.1 49.2 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .2 .2 .1 .1 .1 .1 b/ b/ Persons 65 and over......................... .5 .4 .6 .8 1.0 .8 .6 .4 .3 .2 Earners..................................... 1.2 1.0 .7 .7 .7 .9 1.3 1.5 1.6 1.8 Vehicles.................................... 2.1 1.3 1.2 1.6 1.8 2.0 2.2 2.4 2.6 2.6 Percent distribution: Male........................................ 61 43 39 49 59 62 61 64 68 69 Female...................................... 39 57 61 51 41 38 39 36 32 31 Homeowner................................... 73 46 49 60 69 71 72 73 79 87 With mortgage.............................. 37 19 12 20 18 23 34 40 51 65 Without mortgage........................... 36 27 37 40 51 48 38 33 28 22 Renter...................................... 27 54 51 40 31 29 28 27 21 13 Black....................................... 9 19 21 15 11 8 8 7 6 5 White and other............................. 91 81 79 85 89 92 92 93 94 95 Elementary (1-8)............................ 6 12 18 15 12 7 4 3 1 c/ High school (9-12).......................... 40 47 52 51 53 49 44 38 32 19 College..................................... 54 41 28 33 35 44 52 59 67 80 Never attended and other.................... c/ c/ 1 1 c/ c/ d/ c/ c/ d/ At least one vehicle owned or leased........ 93 76 69 83 90 93 97 97 98 98 Average annual expenditures.................. $41,613 $21,830 $18,546 $22,945 $26,126 $31,015 $35,960 $41,410 $48,682 $73,599 Food........................................ 5,352 3,032 2,914 3,349 3,929 4,559 5,075 5,796 6,177 7,884 Food at home............................. 2,987 2,031 2,137 2,329 2,708 2,888 2,956 3,387 3,190 3,502 Cereals and bakery products............ 435 257 319 348 417 440 452 473 444 492 Cereals and cereal products.......... 144 88 110 126 149 155 156 160 130 149 Bakery products...................... 291 169 210 223 268 285 297 313 313 343 Meats, poultry, fish, and eggs......... 773 608 574 639 729 751 776 905 803 855 Beef................................. 223 178 172 188 207 192 221 282 245 244 Pork................................. 167 124 134 146 164 189 179 195 169 149 Other meats.......................... 95 70 57 89 96 100 90 115 93 99 Poultry.............................. 138 127 115 97 117 141 137 150 139 163 Fish and seafood..................... 117 74 65 86 110 96 104 128 124 167 Eggs................................. 35 33 32 33 35 33 45 36 31 33 Dairy products......................... 323 190 229 279 292 302 319 372 350 373 Fresh milk and cream................. 115 86 102 118 112 111 116 128 116 116 Other dairy products................. 208 103 127 161 179 191 204 244 234 258 Fruits and vegetables.................. 539 396 367 413 492 525 518 593 557 661 Fresh fruits......................... 166 129 103 124 145 167 152 189 175 203 Fresh vegetables..................... 166 117 102 129 146 156 155 173 172 224 Processed fruits..................... 118 96 102 93 107 118 117 130 118 137 Processed vegetables................. 89 54 60 67 93 85 94 102 92 97 Other food at home..................... 917 580 647 649 779 869 890 1,044 1,036 1,121 Sugar and other sweets............... 119 70 85 79 103 122 120 133 142 134 Fats and oils........................ 89 64 66 66 94 95 93 106 86 93 Miscellaneous foods.................. 408 231 280 273 340 377 394 448 479 521 Nonalcoholic beverages............... 249 167 197 200 212 238 240 298 276 284 Food prepared by consumer unit on out-of-town trips................... 51 48 20 32 30 36 43 60 54 90 Food away from home.................... 2,365 1,000 777 1,020 1,221 1,671 2,119 2,409 2,987 4,382 Alcoholic beverages......................... 460 214 109 201 185 288 372 455 668 891 Housing..................................... 12,554 7,826 6,615 7,834 7,960 9,364 10,721 12,281 14,471 21,658 Shelter.................................. 7,067 4,528 3,545 4,146 4,229 5,015 6,035 6,656 7,945 12,944 Owned dwellings........................ 4,629 2,141 1,467 2,072 2,154 2,776 3,782 4,064 5,495 9,873 Mortgage interest and charges........ 2,351 1,001 484 708 647 914 1,742 2,124 2,968 5,817 Property taxes....................... 1,202 627 517 710 824 924 1,106 975 1,369 2,153 Maintenance, repairs, insurance,other expenses............................ 1,076 513 466 654 684 938 933 965 1,159 1,904 Rented dwellings....................... 1,807 2,000 1,934 1,831 1,716 1,817 1,851 2,140 1,773 1,597 Other lodging.......................... 631 386 143 242 359 422 403 453 677 1,473 Utilities, fuels, and public services.... 2,495 1,807 1,842 2,071 2,102 2,251 2,436 2,588 2,716 3,180 Natural gas............................ 283 175 162 218 257 261 255 294 315 379 Electricity............................ 929 667 752 825 852 866 935 962 986 1,091 Fuel oil and other fuels............... 107 96 95 138 87 113 113 109 103 102 Telephone services..................... 868 659 629 659 647 730 842 906 989 1,181 Water and other public services........ 308 209 203 230 260 282 292 316 323 428 Household operations..................... 533 311 214 265 290 450 354 382 609 1,091 Personal services...................... 116 e/ 80 e/ 66 92 87 172 64 87 208 95 Other household expenses............... 417 231 147 174 203 278 290 295 401 996 Housekeeping supplies.................... 594 333 333 406 405 496 544 632 702 887 Laundry and cleaning supplies.......... 135 100 117 92 121 130 123 135 159 164 Other household products............... 288 163 137 156 195 235 269 305 380 430 Postage and stationery................. 170 70 80 159 89 130 153 193 163 293 Household furnishings and equipment...... 1,866 848 680 947 934 1,152 1,352 2,023 2,500 3,555 Household textiles..................... 133 32 64 78 81 118 98 113 160 238 Furniture.............................. 421 200 142 237 163 239 327 330 515 918 Floor coverings........................ 63 e/ 114 e/ 8 30 25 34 23 72 65 149 Major appliances....................... 210 135 132 147 154 192 175 258 218 302 Small appliances, miscellaneous housewares............................ 130 46 49 57 52 82 105 151 180 242 Miscellaneous household equipment...... 909 321 286 398 460 487 625 1,098 1,362 1,706 Apparel and services........................ 1,818 881 719 891 1,248 1,280 1,476 1,667 1,919 3,564 Men and boys............................. 448 97 129 176 246 275 358 338 470 1,033 Men, 16 and over....................... 417 76 109 140 221 249 317 304 433 1,000 Boys, 2 to 15.......................... 32 21 20 35 25 26 41 34 37 33 Women and girls.......................... 730 440 308 366 617 513 555 736 728 1,370 Women, 16 and over..................... 675 396 250 279 557 449 523 688 682 1,317 Girls, 2 to 15......................... 54 44 58 88 60 64 32 48 47 53 Children under 2......................... 46 75 27 33 24 30 34 48 62 71 Footwear................................. 301 e/ 105 127 192 223 278 293 318 306 467 Other apparel products and services...... 294 163 129 124 137 183 236 227 353 624 Transportation.............................. 7,837 3,947 3,670 4,786 5,525 5,621 7,165 8,585 9,440 12,683 Vehicle purchases (net outlay)........... 3,666 e/ 1,779 1,906 2,403 2,716 2,413 3,327 4,368 4,121 5,979 Cars and trucks, new................... 1,918 e/ 766 e/ 813 841 1,395 1,220 1,145 2,243 2,042 3,918 Cars and trucks, used.................. 1,720 1,013 1,092 1,562 1,320 1,187 2,148 2,033 2,049 2,016 Other vehicles......................... 28 d/ d/ d/ d/ e/ 6 e/ 34 e/ 92 e/ 31 e/ 45 Gasoline and motor oil................... 1,208 803 632 782 886 1,015 1,198 1,328 1,523 1,640 Other vehicle expenses................... 2,423 1,168 917 1,382 1,605 1,864 2,274 2,502 3,144 3,853 Vehicle finance charges................ 328 177 98 159 146 207 330 383 512 510 Maintenance and repairs................ 718 358 339 552 589 622 717 708 866 986 Vehicle insurance...................... 826 437 354 477 605 740 834 929 1,035 1,134 Vehicle rental, leases, licenses, other charges.............................. 551 195 126 195 265 294 392 482 732 1,224 Public transportation.................... 541 197 215 219 319 330 366 386 652 1,211 Health care................................. 2,626 1,492 1,553 2,007 2,926 2,896 2,717 2,488 2,593 3,047 Health insurance......................... 1,239 610 823 1,052 1,366 1,463 1,347 1,225 1,202 1,258 Medical services......................... 661 465 364 253 574 555 694 621 688 1,058 Drugs.................................... 579 324 320 582 847 725 538 480 525 557 Medical supplies......................... 148 93 44 120 139 154 137 162 178 174 Entertainment............................... 2,093 920 864 1,262 985 1,495 1,827 2,030 2,594 3,828 Fees and admissions...................... 567 279 183 210 258 363 424 480 680 1,237 Television, radios, sound equipment...... 608 337 405 407 434 488 605 637 782 833 Pets, toys, and playground equipment..... 379 170 134 206 209 264 320 385 469 694 Other entertainment supplies, equipment,and services.................. 540 134 143 438 84 379 478 528 663 1,064 Personal care products and services......... 604 331 316 363 438 559 540 638 683 908 Reading..................................... 193 93 82 95 116 158 170 185 230 340 Education................................... 465 353 203 167 254 239 441 435 489 984 Tobacco products and smoking supplies....... 328 338 367 302 258 277 318 446 369 318 Miscellaneous............................... 930 707 457 565 695 750 716 944 1,068 1,537 Cash contributions.......................... 1,685 958 330 461 708 1,988 1,493 1,342 1,616 3,295 Personal insurance and pensions............. 4,666 738 348 662 897 1,541 2,929 4,117 6,364 12,663 Life and other personal insurance........ 497 257 151 283 268 437 517 427 531 881 Pensions and Social Security............. 4,169 480 197 379 629 1,104 2,412 3,689 5,833 11,782 Sources of income and personal taxes: a/ Money income before taxes.................. 47,455 1,753 7,633 12,533 17,408 24,425 34,640 44,446 58,713 115,023 Wages and salaries....................... 33,668 1,242 1,895 3,641 5,614 10,910 21,887 32,142 46,805 90,868 Self-employment income................... 3,385 -1,058 118 237 269 601 1,482 1,730 2,352 12,875 Social Security, private and government retirement................... 8,334 761 4,268 7,410 10,764 11,744 9,783 8,867 7,550 6,523 Interest, dividends, rental income, other property income................... 1,346 63 15 97 206 464 964 954 1,492 4,045 Unemployment and workers'' compensation, veterans'' benefits..................... 167 e/ 72 84 131 133 202 155 291 161 159 Public assistance, supplemental security, income, food stamps..................... 244 425 963 812 193 220 74 99 100 91 Regular contributions for support........ 187 179 159 126 154 201 138 286 173 222 Other income............................. 124 70 132 79 76 82 158 76 81 239 Personal taxes............................. 3,613 224 -41 147 475 814 1,675 2,834 4,466 11,410 Federal income taxes..................... 2,761 152 -103 34 305 535 1,255 2,078 3,373 8,963 State and local income taxes............. 647 16 14 27 43 136 266 504 858 2,050 Other taxes.............................. 205 57 47 86 127 144 154 252 235 397 Income after taxes......................... 43,842 1,529 7,674 12,386 16,933 23,611 32,965 41,611 54,247 103,612 Net change in total assets and liabilities... 2,250 56,851 2,742 -1,376 -376 1,894 -1,763 -1,435 -2,695 5,361 Net change in total assets............... 8,747 55,378 2,333 -674 1,414 3,215 2,829 5,363 5,366 23,832 Net change in total liabilities.......... 6,496 -1,473 -409 702 1,790 1,321 4,592 6,798 8,061 18,471 Other financial information: Other money receipts..................... 790 e/ 462 850 72 182 361 353 670 1,391 1,663 Mortgage principal paid on owned property................................ -1,592 -11,818 -258 -384 -501 -637 -777 -1,129 -1,567 -3,074 Estimated market value of owned home..... 100,325 52,323 46,602 59,208 75,491 80,367 85,504 88,970 107,205 178,725 Estimated monthly rental value of owned home.................................... 680 347 325 439 531 549 629 628 741 1,125 Gifts of goods and services................. 1,445 697 473 620 602 800 1,064 1,091 1,468 3,515 Food..................................... 109 e/ 71 34 19 19 35 36 84 110 334 Alcoholic beverages...................... 23 e/ 16 e/ 11 e/ 4 10 12 25 13 28 52 Housing.................................. 384 111 138 240 157 213 273 361 386 880 Housekeeping supplies.................. 52 e/ 23 22 27 27 41 49 51 65 91 Household textiles..................... 15 c/ e/ 23 e/ 7 e/ 10 8 15 6 19 28 Appliances and miscellaneous housewares........................... 50 e/ 3 e/ 8 e/ 7 11 23 42 81 76 96 Major appliances..................... 9 c/ e/ 1 e/ 2 e/ 5 e/ 2 e/ 3 38 14 9 Small appliances and miscellaneous housewares......................... 40 e/ 3 e/ 7 e/ 4 e/ 6 21 40 43 62 87 Miscellaneous household equipment...... 94 16 26 43 49 69 71 93 102 199 Other housing.......................... 173 69 60 157 59 72 96 129 124 467 Apparel and services..................... 317 229 122 180 188 196 240 247 340 670 Males, 2 and over...................... 93 18 48 28 54 58 61 69 99 217 Females, 2 and over.................... 130 150 49 87 82 83 97 90 114 283 Children under 2....................... 40 30 14 26 20 23 31 40 62 71 Other apparel products and services.... 54 e/ 32 e/ 11 e/ 39 33 33 51 48 66 99 Jewelry and watches.................. 21 e/ 5 e/ 4 e/ 10 21 11 23 17 24 39 All other apparel products and services............................ 33 e/ 27 e/ 7 e/ 28 e/ 12 21 28 e/ 31 42 61 Transportation........................... 108 26 63 13 32 77 51 61 87 311 Health care.............................. 38 e/ 5 e/ 4 e/ 16 e/ 14 29 66 e/ 10 29 84 Entertainment............................ 138 102 36 66 55 86 111 128 155 298 Toys, games, hobbies, and tricycles.... 48 26 10 31 24 46 38 53 66 72 Other entertainment.................... 90 77 26 35 30 40 73 75 89 226 Personal care products and services...... 20 e/ 3 e/ 7 e/ 6 e/ 4 28 25 25 21 25 Reading.................................. 4 c/ 3 2 1 4 3 4 4 6 Education................................ 193 e/ 54 e/ 24 43 e/ 29 43 129 60 197 631 All other gifts.......................... 112 78 31 31 94 77 106 98 110 223 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.