Table 7. Housing tenure, type of area, race of reference person, and Hispanic origin of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000 Housing tenure Type of area Race of reference Hispanic origin of All person reference person Item consumer units Homeowner Renter Urban Rural White and Black Hispanic Non- other Hispanic Number of consumer units (in thousands)...... 109,367 71,834 37,532 95,627 13,740 96,137 13,230 9,473 99,894 Income before taxes a/ ...................... $44,649 $53,447 $28,448 $45,877 $35,941 $46,260 $32,657 $34,891 $45,669 Income after taxes a/ ....................... 41,532 49,530 26,803 42,570 34,171 42,942 31,030 33,311 42,391 Age of the reference person.................. 48.2 52.3 40.3 47.8 51.0 48.5 45.4 42.8 48.7 Average number in consumer unit: Persons..................................... 2.5 2.6 2.3 2.5 2.5 2.5 2.7 3.4 2.4 Children under 18........................... .7 .7 .7 .7 .6 .6 .9 1.2 .6 Persons 65 and over......................... .3 .4 .2 .3 .4 .3 .2 .2 .3 Earners..................................... 1.4 1.4 1.2 1.4 1.3 1.4 1.3 1.6 1.3 Vehicles.................................... 1.9 2.3 1.2 1.9 2.4 2.0 1.3 1.6 2.0 Percent distribution: Male........................................ 53 56 47 52 56 55 38 54 53 Female...................................... 47 44 53 48 44 45 62 46 47 Homeowner................................... 66 100 n.a 63 83 68 46 47 68 With mortgage.............................. 39 59 n.a 39 38 40 29 29 40 Without mortgage........................... 27 41 n.a 24 45 28 17 18 28 Renter...................................... 34 n.a. 100 37 17 32 54 53 32 Black....................................... 12 8 19 13 4 n.a. 100 4 13 White and other............................. 88 92 81 87 96 100 n.a. 96 87 Elementary (1-8)............................ 6 6 7 6 11 6 7 21 5 High school (9-12).......................... 39 38 41 38 49 38 48 43 39 College..................................... 54 55 52 56 40 56 45 34 56 Never attended and other.................... b/ b/ b/ b/ b/ b/ b/ 2 b/ At least one vehicle owned or leased........ 88 95 74 87 94 90 73 81 88 Average annual expenditures.................. $38,045 $43,603 $27,406 $38,942 $31,831 $39,406 $28,152 $32,735 $38,549 Food........................................ 5,158 5,698 4,124 5,254 4,500 5,304 4,095 5,362 5,139 Food at home............................. 3,021 3,326 2,436 3,054 2,797 3,066 2,691 3,496 2,977 Cereals and bakery products............ 453 503 358 459 418 462 393 491 450 Cereals and cereal products.......... 156 167 137 158 143 156 159 201 152 Bakery products...................... 297 337 221 300 275 306 234 290 298 Meats, poultry, fish, and eggs......... 795 856 679 804 734 780 909 1,036 773 Beef................................. 238 259 199 240 227 239 236 326 230 Pork................................. 167 182 138 164 186 163 199 213 163 Other meats.......................... 101 110 83 102 91 100 106 116 99 Poultry.............................. 145 154 129 149 120 140 185 190 141 Fish and seafood..................... 110 116 99 116 69 106 139 136 108 Eggs................................. 34 36 31 33 41 33 43 55 33 Dairy products......................... 325 364 250 326 316 336 245 359 321 Fresh milk and cream................. 131 144 107 130 138 135 102 170 128 Other dairy products................. 193 220 142 196 177 200 143 189 194 Fruits and vegetables.................. 521 569 428 534 431 530 454 670 507 Fresh fruits......................... 163 181 129 169 124 168 131 228 157 Fresh vegetables..................... 159 170 138 164 124 163 129 228 152 Processed fruits..................... 115 126 93 118 95 115 118 125 114 Processed vegetables................. 84 92 68 83 88 85 76 89 83 Other food at home..................... 927 1,034 722 931 898 959 691 940 926 Sugar and other sweets............... 117 136 81 116 123 121 89 110 118 Fats and oils........................ 83 92 67 83 85 83 83 100 82 Miscellaneous foods.................. 437 489 338 443 398 454 316 405 440 Nonalcoholic beverages............... 250 270 210 247 265 258 186 292 246 Food prepared by consumer unit on out-of-town trips................... 40 47 26 42 27 43 17 34 40 Food away from home.................... 2,137 2,371 1,688 2,200 1,703 2,238 1,404 1,865 2,162 Alcoholic beverages......................... 372 393 331 390 247 394 211 285 380 Housing..................................... 12,319 13,874 9,341 12,828 8,775 12,651 9,906 10,850 12,458 Shelter.................................. 7,114 7,627 6,133 7,521 4,282 7,312 5,678 6,437 7,178 Owned dwellings........................ 4,602 6,976 59 4,790 3,294 4,877 2,607 2,949 4,759 Mortgage interest and charges........ 2,639 4,007 19 2,761 1,785 2,785 1,574 1,751 2,723 Property taxes....................... 1,139 1,723 19 1,189 788 1,207 640 665 1,183 Maintenance, repairs, insurance,other expenses............................ 825 1,245 20 840 720 884 393 533 853 Rented dwellings....................... 2,034 47 5,836 2,226 701 1,923 2,843 3,307 1,913 Other lodging.......................... 478 603 238 505 287 512 227 181 506 Utilities, fuels, and public services.... 2,489 2,917 1,669 2,494 2,453 2,478 2,571 2,170 2,519 Natural gas............................ 307 378 172 330 153 303 342 242 313 Electricity............................ 911 1,074 600 890 1,059 908 938 749 927 Fuel oil and other fuels............... 97 130 33 77 233 104 43 30 103 Telephone services..................... 877 939 758 889 790 862 986 889 876 Water and other public services........ 296 396 106 308 218 301 261 259 300 Household operations..................... 684 852 364 722 424 714 468 465 705 Personal services...................... 326 378 228 342 213 331 292 255 333 Other household expenses............... 358 474 137 379 211 383 176 211 372 Housekeeping supplies.................... 482 579 297 488 443 507 303 474 483 Laundry and cleaning supplies.......... 131 147 99 130 133 131 126 172 127 Other household products............... 226 281 120 227 216 240 126 227 226 Postage and stationery................. 126 151 78 130 93 136 51 76 130 Household furnishings and equipment...... 1,549 1,899 878 1,603 1,173 1,640 887 1,303 1,572 Household textiles..................... 106 134 54 111 78 113 57 89 108 Furniture.............................. 391 467 244 415 223 405 283 447 385 Floor coverings........................ 44 63 10 44 50 47 25 27 46 Major appliances....................... 189 240 92 191 174 200 108 166 191 Small appliances, miscellaneous housewares............................ 87 106 53 91 61 94 36 66 89 Miscellaneous household equipment...... 731 890 426 752 588 779 377 508 752 Apparel and services........................ 1,856 2,052 1,482 1,931 1,343 1,878 1,695 2,076 1,836 Men and boys............................. 440 497 331 451 366 447 390 483 436 Men, 16 and over....................... 344 394 248 355 271 358 245 359 343 Boys, 2 to 15.......................... 96 103 82 96 95 89 145 124 93 Women and girls.......................... 725 827 531 755 520 742 604 691 728 Women, 16 and over..................... 607 688 452 634 424 626 473 540 613 Girls, 2 to 15......................... 118 139 79 121 95 116 131 150 115 Children under 2......................... 82 81 84 85 58 81 89 137 77 Footwear................................. 343 359 313 355 263 342 352 516 327 Other apparel products and services...... 266 288 224 284 137 267 260 249 267 Transportation.............................. 7,417 8,530 5,289 7,410 7,467 7,721 5,214 6,719 7,484 Vehicle purchases (net outlay)........... 3,418 3,916 2,465 3,370 3,751 3,574 2,285 3,146 3,444 Cars and trucks, new................... 1,605 1,959 927 1,634 1,406 1,706 869 1,079 1,655 Cars and trucks, used.................. 1,770 1,904 1,513 1,694 2,295 1,819 1,414 2,058 1,743 Other vehicles......................... 43 53 25 42 c/ 50 49 c/ 2 c/ 9 47 Gasoline and motor oil................... 1,291 1,475 939 1,260 1,507 1,337 956 1,244 1,296 Other vehicle expenses................... 2,281 2,653 1,570 2,323 1,992 2,361 1,705 1,945 2,313 Vehicle finance charges................ 328 385 220 318 401 334 290 274 333 Maintenance and repairs................ 624 706 466 631 571 647 452 546 631 Vehicle insurance...................... 778 899 546 785 730 798 634 696 786 Vehicle rental, leases, licenses, other charges.............................. 551 663 338 589 290 582 330 428 563 Public transportation.................... 427 485 314 457 216 448 268 385 431 Health care................................. 2,066 2,561 1,117 2,028 2,328 2,198 1,107 1,243 2,144 Health insurance......................... 983 1,227 516 958 1,152 1,030 639 600 1,019 Medical services......................... 568 702 311 570 550 620 191 364 587 Drugs.................................... 416 512 233 399 537 441 235 211 436 Medical supplies......................... 99 120 57 100 89 107 41 69 102 Entertainment............................... 1,863 2,229 1,163 1,872 1,802 1,980 1,014 1,186 1,928 Fees and admissions...................... 515 640 275 548 282 561 181 262 539 Television, radios, sound equipment...... 622 680 511 626 593 629 567 545 629 Pets, toys, and playground equipment..... 334 404 200 328 372 358 159 218 345 Other entertainment supplies, equipment,and services.................. 393 505 178 370 555 433 107 162 415 Personal care products and services......... 564 628 441 584 426 555 627 564 564 Reading..................................... 146 173 95 153 101 157 72 59 155 Education................................... 632 645 607 679 302 666 383 363 657 Tobacco products and smoking supplies....... 319 311 334 310 378 329 243 173 332 Miscellaneous............................... 776 917 505 786 704 804 572 602 792 Cash contributions.......................... 1,192 1,505 593 1,249 802 1,260 700 645 1,244 Personal insurance and pensions............. 3,365 4,087 1,983 3,467 2,655 3,510 2,313 2,608 3,437 Life and other personal insurance........ 399 527 153 403 371 404 358 189 419 Pensions and Social Security............. 2,966 3,560 1,830 3,064 2,284 3,105 1,955 2,420 3,018 Sources of income and personal taxes: a/ Money income before taxes.................. 44,649 53,447 28,448 45,877 35,941 46,260 32,657 34,891 45,669 Wages and salaries....................... 35,579 41,945 23,856 36,858 26,510 36,733 26,982 29,737 36,189 Self-employment income................... 2,344 3,148 863 2,295 2,689 2,514 1,073 1,489 2,433 Social Security, private and government retirement................... 4,856 6,336 2,129 4,776 5,419 5,103 3,013 2,429 5,109 Interest, dividends, rental income, other property income................... 927 1,295 249 976 580 1,029 169 144 1,009 Unemployment and workers'' compensation, veterans'' benefits..................... 192 203 171 189 211 192 190 222 189 Public assistance, supplemental security, income, food stamps..................... 310 149 606 314 280 245 792 545 285 Regular contributions for support........ 309 286 350 326 187 316 256 211 319 Other income............................. 133 84 224 143 65 127 182 115 135 Personal taxes............................. 3,117 3,917 1,645 3,307 1,770 3,318 1,626 1,581 3,278 Federal income taxes..................... 2,409 3,013 1,297 2,569 1,280 2,566 1,240 1,258 2,530 State and local income taxes............. 562 681 342 591 354 592 338 271 592 Other taxes.............................. 146 223 6 148 136 159 48 52 156 Income after taxes......................... 41,532 49,530 26,803 42,570 34,171 42,942 31,030 33,311 42,391 Net change in total assets and liabilities... 457 -259 1,827 529 -45 735 -1,570 -3,130 797 Net change in total assets............... 6,016 8,092 2,045 6,280 4,184 6,476 2,678 4,518 6,159 Net change in total liabilities.......... 5,560 8,351 218 5,751 4,229 5,740 4,248 7,648 5,362 Other financial information: Other money receipts..................... 594 711 370 561 824 655 152 194 632 Mortgage principal paid on owned property................................ -1,172 -1,765 -38 -1,191 -1,039 -1,241 -672 -573 -1,229 Estimated market value of owned home..... 92,665 140,444 1,221 93,957 83,680 99,306 44,411 52,298 96,494 Estimated monthly rental value of owned home.................................... 629 957 c/ 1 649 487 665 363 396 651 Gifts of goods and services................. 1,083 1,306 656 1,120 827 1,154 571 825 1,108 Food..................................... 70 89 33 74 43 76 26 44 73 Alcoholic beverages...................... 14 13 17 16 2 15 10 11 15 Housing.................................. 291 350 179 298 241 313 133 208 299 Housekeeping supplies.................. 39 45 28 41 28 43 14 36 39 Household textiles..................... 13 18 4 13 14 15 c/ 3 c/ 13 13 Appliances and miscellaneous housewares........................... 28 35 14 30 13 31 6 12 30 Major appliances..................... 8 10 4 8 3 8 c/ 2 c/ 8 8 Small appliances and miscellaneous housewares......................... 21 26 10 22 10 23 3 4 22 Miscellaneous household equipment...... 70 88 36 73 54 77 19 35 74 Other housing.......................... 140 163 97 142 132 147 92 111 143 Apparel and services..................... 244 284 168 252 194 251 194 291 240 Males, 2 and over...................... 68 81 43 71 42 72 38 65 68 Females, 2 and over.................... 85 102 53 85 84 85 87 96 84 Children under 2....................... 41 45 32 43 28 42 34 61 39 Other apparel products and services.... 51 56 40 52 40 53 35 70 49 Jewelry and watches.................. 20 23 15 21 12 22 8 11 21 All other apparel products and services............................ 30 33 25 31 28 31 27 59 28 Transportation........................... 70 77 58 69 78 77 23 26 75 Health care.............................. 38 52 12 38 36 43 6 12 41 Entertainment............................ 94 110 62 94 89 101 43 69 96 Toys, games, hobbies, and tricycles.... 30 35 19 30 26 31 17 23 30 Other entertainment.................... 64 75 43 64 63 69 26 46 66 Personal care products and services...... 19 23 13 20 15 20 10 31 18 Reading.................................. 2 3 1 2 3 2 b/ 1 2 Education................................ 151 197 63 162 72 166 39 71 159 All other gifts.......................... 89 110 50 94 54 89 87 62 91 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Data are likely to have large sampling errors. n.a. Not applicable.