Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001 Complete reporting of income Incomple- All te Item consumer reporting units Total Lowest Second Third Fourth Highest of complete 20 20 20 20 20 income reporting percent percent percent percent percent Number of consumer units (in thousands)...... 110,339 88,735 17,715 17,751 17,744 17,749 17,775 21,604 Lower limit.................................. n.a. n.a. n.a. $13,909 $27,177 $44,462 $71,898 n.a. Income before taxes a/ ...................... $47,507 $47,507 $7,946 $20,319 $35,536 $56,891 $116,666 a/ Income after taxes a/ ....................... 44,587 44,587 7,911 19,999 34,112 53,724 107,027 a/ Age of the reference person.................. 48.1 48.0 51.0 51.4 46.9 44.9 45.6 48.8 Average number in consumer unit: Persons..................................... 2.5 2.5 1.7 2.2 2.5 2.9 3.1 2.6 Children under 18........................... .7 .7 .4 .6 .7 .8 .9 .7 Persons 65 and over......................... .3 .3 .4 .5 .3 .2 .1 .3 Earners..................................... 1.4 1.4 .6 1.0 1.4 1.8 2.1 1.3 Vehicles.................................... 1.9 2.0 1.0 1.5 1.9 2.4 2.9 1.9 Percent distribution: Male........................................ 51 52 36 47 53 60 63 50 Female...................................... 49 48 64 53 47 40 37 50 Homeowner................................... 66 65 43 55 63 75 88 71 With mortgage.............................. 40 40 13 21 37 55 72 42 Without mortgage........................... 26 25 30 34 26 20 16 29 Renter...................................... 34 35 57 45 37 25 12 29 Black....................................... 12 12 17 14 13 9 6 13 White and other............................. 88 88 83 86 87 91 94 87 Elementary (1-8)............................ 6 6 13 8 4 2 1 6 High school (9-12).......................... 38 38 47 50 42 34 18 39 College..................................... 56 56 39 41 53 64 81 56 Never attended and other.................... b/ b/ b/ b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 88 88 65 87 94 97 97 87 Average annual expenditures.................. $39,518 $41,395 $18,883 $26,492 $35,660 $48,722 $77,125 $32,946 Food........................................ 5,321 5,662 3,269 4,163 5,042 6,724 9,101 4,473 Food at home............................. 3,086 3,253 2,124 2,731 3,113 3,709 4,584 2,681 Cereals and bakery products............ 452 481 322 406 452 536 686 384 Cereals and cereal products.......... 156 166 118 144 158 184 226 133 Bakery products...................... 296 314 204 262 295 351 460 251 Meats, poultry, fish, and eggs......... 828 869 591 785 859 959 1,150 730 Beef................................. 248 264 168 253 262 291 346 210 Pork................................. 177 188 145 175 180 201 240 152 Other meats.......................... 102 107 70 93 112 116 145 90 Poultry.............................. 152 159 108 131 154 190 212 135 Fish and seafood..................... 114 114 71 98 113 119 167 113 Eggs................................. 35 37 28 35 38 41 41 31 Dairy products......................... 332 352 213 289 337 407 516 282 Fresh milk and cream................. 136 146 100 129 146 165 189 112 Other dairy products................. 196 207 113 161 191 242 327 170 Fruits and vegetables.................. 522 545 370 471 531 596 754 467 Fresh fruits......................... 160 167 117 144 158 179 238 144 Fresh vegetables..................... 162 168 112 145 169 182 233 146 Processed fruits..................... 116 121 83 104 117 133 168 104 Processed vegetables................. 84 88 59 78 86 102 115 73 Other food at home..................... 952 1,007 629 779 934 1,211 1,478 817 Sugar and other sweets............... 116 122 79 102 112 141 178 101 Fats and oils........................ 87 89 68 73 88 104 114 81 Miscellaneous foods.................. 455 482 290 360 447 590 721 390 Nonalcoholic beverages............... 256 273 177 220 257 326 383 217 Food prepared by consumer unit on out-of-town trips................... 38 41 14 25 31 50 83 29 Food away from home.................... 2,235 2,409 1,145 1,432 1,929 3,015 4,518 1,792 Alcoholic beverages......................... 349 386 220 250 331 431 700 255 Housing..................................... 13,011 13,120 6,834 8,833 11,162 14,790 23,953 12,751 Shelter.................................. 7,602 7,583 3,824 4,995 6,367 8,608 14,103 7,678 Owned dwellings........................ 4,979 4,905 1,572 2,268 3,526 5,896 11,248 5,280 Mortgage interest and charges........ 2,862 2,823 623 926 1,948 3,562 7,043 3,022 Property taxes....................... 1,233 1,176 564 723 809 1,302 2,482 1,467 Maintenance, repairs, insurance,other expenses............................ 884 906 385 619 769 1,032 1,723 791 Rented dwellings....................... 2,134 2,197 2,066 2,528 2,588 2,196 1,608 1,876 Other lodging.......................... 489 481 186 200 253 516 1,248 522 Utilities, fuels, and public services.... 2,767 2,739 1,758 2,307 2,663 3,079 3,883 2,881 Natural gas............................ 411 402 258 333 369 461 588 446 Electricity............................ 1,009 989 684 885 990 1,084 1,303 1,087 Fuel oil and other fuels............... 112 110 76 111 103 103 158 120 Telephone services..................... 914 918 558 727 906 1,054 1,343 901 Water and other public services........ 321 319 182 252 294 377 491 326 Household operations..................... 676 672 310 372 503 675 1,497 695 Personal services...................... 291 296 115 127 242 309 685 271 Other household expenses............... 385 376 196 245 260 366 813 424 Housekeeping supplies.................... 509 566 303 390 502 689 942 374 Laundry and cleaning supplies.......... 131 148 99 116 144 182 197 93 Other household products............... 255 280 138 174 238 357 495 195 Postage and stationery................. 122 138 65 101 119 151 250 87 Household furnishings and equipment...... 1,458 1,561 639 768 1,127 1,738 3,527 1,123 Household textiles..................... 114 128 51 64 90 141 294 76 Furniture.............................. 372 388 137 189 269 437 906 309 Floor coverings........................ 40 43 17 15 28 40 113 32 Major appliances....................... 178 188 69 130 144 231 367 137 Small appliances, miscellaneous housewares............................ 87 91 49 63 56 91 195 73 Miscellaneous household equipment...... 667 724 317 308 541 799 1,652 497 Apparel and services........................ 1,743 1,846 860 1,120 1,598 2,149 3,500 1,493 Men and boys............................. 423 458 186 267 349 579 911 342 Men, 16 and over....................... 335 368 152 201 277 460 748 261 Boys, 2 to 15.......................... 88 91 34 66 72 119 163 81 Women and girls.......................... 677 718 329 429 684 836 1,310 577 Women, 16 and over..................... 562 594 268 357 554 699 1,091 486 Girls, 2 to 15......................... 115 124 61 72 129 138 219 91 Children under 2......................... 81 89 41 55 83 118 149 59 Footwear................................. 302 321 197 215 290 364 537 258 Other apparel products and services...... 259 260 107 155 192 252 594 257 Transportation.............................. 7,633 7,919 3,178 5,056 7,538 9,773 14,032 6,495 Vehicle purchases (net outlay)........... 3,579 3,778 1,553 2,387 3,799 4,586 6,555 2,762 Cars and trucks, new................... 1,685 1,732 575 806 1,501 2,148 3,624 1,494 Cars and trucks, used.................. 1,848 1,999 966 1,567 2,253 2,376 2,830 1,227 Other vehicles......................... 46 47 c/ 12 c/ 14 45 61 102 41 Gasoline and motor oil................... 1,279 1,290 599 933 1,253 1,617 2,043 1,237 Other vehicle expenses................... 2,375 2,447 858 1,509 2,211 3,151 4,501 2,113 Vehicle finance charges................ 359 365 94 201 346 542 640 338 Maintenance and repairs................ 662 707 305 481 698 832 1,219 508 Vehicle insurance...................... 819 830 308 596 826 1,080 1,337 776 Vehicle rental, leases, licenses, other charges.............................. 534 545 152 232 340 697 1,305 492 Public transportation.................... 400 405 167 227 275 420 934 382 Health care................................. 2,182 2,222 1,422 2,074 2,199 2,494 2,921 2,037 Health insurance......................... 1,061 1,058 679 999 1,102 1,192 1,318 1,070 Medical services......................... 573 593 274 441 536 748 967 487 Drugs.................................... 449 461 409 548 448 423 479 413 Medical supplies......................... 100 109 60 85 113 130 157 68 Entertainment............................... 1,953 2,028 751 1,194 1,649 2,488 4,053 1,673 Fees and admissions...................... 526 541 161 209 347 591 1,394 466 Television, radios, sound equipment...... 660 675 348 471 648 789 1,116 600 Pets, toys, and playground equipment..... 337 362 130 208 337 456 678 259 Other entertainment supplies, equipment,and services.................. 430 450 112 306 317 652 865 348 Personal care products and services......... 485 514 282 377 506 598 804 413 Reading..................................... 141 148 67 97 123 172 278 114 Education................................... 648 638 492 317 290 726 1,366 698 Tobacco products and smoking supplies....... 308 327 259 308 373 382 310 235 Miscellaneous............................... 750 768 324 529 697 850 1,435 695 Cash contributions.......................... 1,258 1,324 459 720 1,077 1,569 2,792 986 Personal insurance and pensions............. 3,737 4,494 466 1,454 3,075 5,576 11,878 628 Life and other personal insurance........ 410 423 175 285 310 479 864 360 Pensions and Social Security............. 3,326 4,071 291 1,169 2,765 5,097 11,014 268 Sources of income and personal taxes: a/ Money income before taxes.................. 47,507 47,507 7,946 20,319 35,536 56,891 116,666 a/ Wages and salaries....................... 38,334 38,334 2,885 11,495 27,346 48,742 101,043 a/ Self-employment income................... 2,231 2,231 -189 576 1,220 1,717 7,820 a/ Social Security, private and government retirement................... 4,963 4,963 3,905 6,702 5,499 4,736 3,972 a/ Interest, dividends, rental income, other property income................... 951 951 104 372 666 823 2,785 a/ Unemployment and workers'' compensation, veterans'' benefits..................... 171 171 48 175 176 239 219 a/ Public assistance, supplemental security, income, food stamps..................... 384 384 779 478 177 205 280 a/ Regular contributions for support........ 315 315 255 339 333 308 340 a/ Other income............................. 158 158 160 183 119 120 208 a/ Personal taxes............................. 2,920 2,920 35 320 1,425 3,167 9,639 a/ Federal income taxes..................... 2,237 2,237 -27 157 998 2,371 7,672 a/ State and local income taxes............. 555 555 25 86 315 647 1,697 a/ Other taxes.............................. 129 129 37 77 111 149 271 a/ Income after taxes......................... 44,587 44,587 7,911 19,999 34,112 53,724 107,027 a/ Net change in total assets and liabilities... -2,059 -3,858 -137 -1,524 -2,106 -9,708 -5,804 5,328 Net change in total assets............... 5,678 4,144 2,042 493 4,595 1,759 11,818 11,977 Net change in total liabilities.......... 7,737 8,002 2,179 2,017 6,701 11,467 17,622 6,650 Other financial information: Other money receipts..................... 372 436 315 352 259 591 665 107 Mortgage principal paid on owned property................................ -1,397 -1,394 -419 -476 -900 -1,542 -3,627 -1,410 Estimated market value of owned home..... 103,975 97,681 48,910 59,886 72,269 108,197 198,898 129,826 Estimated monthly rental value of owned home.................................... 690 669 340 444 547 752 1,259 777 Gifts of goods and services................. 1,012 1,079 453 630 830 1,188 2,294 806 Food..................................... 69 76 17 37 48 76 199 51 Alcoholic beverages...................... 14 15 11 10 11 10 32 12 Housing.................................. 258 274 138 166 216 303 547 210 Housekeeping supplies.................. 41 46 20 26 43 55 85 30 Household textiles..................... 14 15 3 4 9 12 46 12 Appliances and miscellaneous housewares........................... 25 26 12 23 14 27 53 23 Major appliances..................... 6 7 c/ 1 6 3 10 14 4 Small appliances and miscellaneous housewares......................... 19 19 11 17 11 17 39 18 Miscellaneous household equipment...... 59 65 22 42 60 88 113 43 Other housing.......................... 119 123 82 71 90 120 250 103 Apparel and services..................... 237 259 137 170 242 264 481 175 Males, 2 and over...................... 61 69 38 54 66 78 108 41 Females, 2 and over.................... 89 97 52 52 86 79 215 69 Children under 2....................... 42 44 18 28 44 57 75 33 Other apparel products and services.... 45 49 30 35 46 49 84 32 Jewelry and watches.................. 17 19 8 12 19 16 39 9 All other apparel products and services............................ 28 30 21 24 27 33 44 23 Transportation........................... 70 84 25 53 81 105 158 12 Health care.............................. 35 37 10 33 19 58 64 29 Entertainment............................ 74 79 35 43 77 83 158 55 Toys, games, hobbies, and tricycles.... 30 32 11 21 32 42 52 22 Other entertainment.................... 44 48 24 22 44 40 106 33 Personal care products and services...... 21 24 18 14 35 24 29 12 Reading.................................. 1 1 1 1 1 2 2 1 Education................................ 160 149 28 64 39 151 461 206 All other gifts.......................... 73 81 33 38 61 112 162 41 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.