Table 4200. Origin of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 Non-Hispanic All Item consumer Hispanic units Total Non-Hispanic Non-Hispanic less Afro-American Afro-American Number of consumer units (in thousands)...... 112,108 10,500 101,608 89,841 11,767 Income before taxes a/ ...................... $49,430 $37,360 $50,742 $52,589 $35,892 Income after taxes a/ ....................... 46,934 36,482 48,070 49,726 34,758 Age of the reference person.................. 48.1 42.2 48.7 49.1 45.9 Average number in consumer unit: Persons..................................... 2.5 3.3 2.4 2.4 2.7 Children under 18........................... .7 1.1 .6 .6 .9 Persons 65 and over......................... .3 .2 .3 .3 .2 Earners..................................... 1.4 1.6 1.3 1.3 1.2 Vehicles.................................... 2.0 1.7 2.0 2.1 1.2 Percent distribution: Male........................................ 51 52 51 52 38 Female...................................... 49 48 49 48 62 Homeowner................................... 66 48 68 71 49 With mortgage.............................. 41 33 41 43 32 Without mortgage........................... 26 15 27 28 17 Renter...................................... 34 52 32 29 51 Black....................................... 12 4 13 2 100 White and other............................. 88 96 87 98 b/ Elementary (1-8)............................ 6 22 4 4 7 High school (9-12).......................... 38 42 37 36 49 College..................................... 56 35 58 60 45 Never attended and other.................... c/ 2 c/ c/ c/ At least one vehicle owned or leased........ 88 82 88 91 73 Average annual expenditures.................. $40,677 $34,742 $41,295 $42,832 $29,614 Food........................................ 5,375 5,666 5,349 5,532 3,978 Food at home............................. 3,099 3,643 3,047 3,117 2,526 Cereals and bakery products............ 450 498 446 456 368 Cereals and cereal products.......... 154 191 151 152 143 Bakery products...................... 296 308 295 304 226 Meats, poultry, fish, and eggs......... 798 1,057 774 770 801 Beef................................. 231 334 221 224 199 Pork................................. 167 216 163 158 198 Other meats.......................... 101 110 100 102 89 Poultry.............................. 144 202 139 136 159 Fish and seafood..................... 121 137 119 119 121 Eggs................................. 34 58 31 31 35 Dairy products......................... 328 385 323 337 219 Fresh milk and cream................. 127 168 123 127 92 Other dairy products................. 201 217 200 209 127 Fruits and vegetables.................. 552 720 536 550 430 Fresh fruits......................... 178 242 172 178 129 Fresh vegetables..................... 175 247 168 175 120 Processed fruits..................... 116 138 113 114 107 Processed vegetables................. 83 92 83 84 75 Other food at home..................... 970 982 968 1,004 707 Sugar and other sweets............... 117 110 118 122 91 Fats and oils........................ 85 102 84 84 80 Miscellaneous foods.................. 472 458 473 492 330 Nonalcoholic beverages............... 254 279 252 259 194 Food prepared by consumer unit on out-of-town trips................... 41 32 42 46 12 Food away from home.................... 2,276 2,023 2,302 2,415 1,452 Alcoholic beverages......................... 376 301 383 412 169 Housing..................................... 13,283 11,841 13,431 13,809 10,557 Shelter.................................. 7,829 7,372 7,877 8,109 6,100 Owned dwellings........................ 5,165 3,567 5,330 5,608 3,209 Mortgage interest and charges........ 2,962 2,232 3,038 3,174 1,998 Property taxes....................... 1,242 696 1,299 1,382 660 Maintenance, repairs, insurance,other expenses............................ 960 639 994 1,052 551 Rented dwellings....................... 2,160 3,645 2,006 1,917 2,692 Other lodging.......................... 505 161 540 585 198 Utilities, fuels, and public services.... 2,684 2,413 2,712 2,703 2,785 Natural gas............................ 330 245 338 332 387 Electricity............................ 981 808 999 992 1,053 Fuel oil and other fuels............... 88 46 93 101 27 Telephone services..................... 957 1,021 950 938 1,041 Water and other public services........ 328 292 332 339 278 Household operations..................... 706 407 737 767 508 Personal services...................... 331 212 343 351 288 Other household expenses............... 375 195 393 416 220 Housekeeping supplies.................... 545 471 552 584 313 Laundry and cleaning supplies.......... 131 174 126 126 127 Other household products............... 283 225 289 311 122 Postage and stationery................. 131 72 137 147 64 Household furnishings and equipment...... 1,518 1,179 1,553 1,646 851 Household textiles..................... 136 141 135 146 57 Furniture.............................. 401 345 407 424 276 Floor coverings........................ 40 13 43 45 30 Major appliances....................... 188 148 193 194 179 Small appliances, miscellaneous housewares............................ 100 91 101 108 49 Miscellaneous household equipment...... 652 441 673 728 260 Apparel and services........................ 1,749 2,097 1,716 1,720 1,690 Men and boys............................. 409 551 396 400 368 Men, 16 and over....................... 319 413 311 320 240 Boys, 2 to 15.......................... 90 138 85 80 128 Women and girls.......................... 704 638 710 719 645 Women, 16 and over..................... 587 479 597 610 503 Girls, 2 to 15......................... 117 159 113 109 143 Children under 2......................... 83 142 77 76 80 Footwear................................. 313 521 294 280 395 Other apparel products and services...... 240 245 239 244 201 Transportation.............................. 7,759 6,769 7,861 8,192 5,336 Vehicle purchases (net outlay)........... 3,665 3,130 3,720 3,894 2,396 Cars and trucks, new................... 1,753 1,149 1,815 1,915 1,057 Cars and trucks, used.................. 1,842 1,900 1,836 1,903 1,326 Other vehicles......................... 70 d/ 81 68 76 d/ 13 Gasoline and motor oil................... 1,235 1,261 1,232 1,275 908 Other vehicle expenses................... 2,471 2,062 2,513 2,603 1,822 Vehicle finance charges................ 397 407 396 406 323 Maintenance and repairs................ 697 529 714 747 470 Vehicle insurance...................... 894 799 903 934 666 Vehicle rental, leases, licenses, other charges.............................. 483 327 499 517 362 Public transportation.................... 389 317 396 421 210 Health care................................. 2,350 1,366 2,452 2,597 1,348 Health insurance......................... 1,168 671 1,219 1,280 755 Medical services......................... 590 358 614 661 257 Drugs.................................... 487 271 510 539 286 Medical supplies......................... 105 66 109 117 49 Entertainment............................... 2,079 1,409 2,148 2,287 1,095 Fees and admissions...................... 542 289 568 618 186 Television, radios, sound equipment...... 692 565 705 714 635 Pets, toys, and playground equipment..... 369 217 384 412 177 Other entertainment supplies, equipment,and services.................. 476 338 492 543 97 Personal care products and services......... 526 492 529 534 494 Reading..................................... 139 60 147 158 63 Education................................... 752 488 779 821 460 Tobacco products and smoking supplies....... 320 186 334 350 212 Miscellaneous............................... 792 628 809 833 629 Cash contributions.......................... 1,277 612 1,346 1,398 951 Personal insurance and pensions............. 3,899 2,827 4,009 4,190 2,633 Life and other personal insurance........ 406 196 428 442 321 Pensions and Social Security............. 3,493 2,631 3,581 3,748 2,312 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 37,360 50,742 52,589 35,892 Wages and salaries....................... 39,864 32,824 40,629 41,943 30,066 Self-employment income................... 2,237 1,053 2,366 2,565 761 Social Security, private and government retirement................... 5,234 2,141 5,570 5,831 3,471 Interest, dividends, rental income, other property income................... 924 198 1,003 1,115 103 Unemployment and workers'' compensation, veterans'' benefits..................... 233 187 238 243 194 Public assistance, supplemental security, income, food stamps..................... 352 545 332 258 926 Regular contributions for support........ 412 266 428 452 238 Other income............................. 173 145 176 181 133 Personal taxes............................. 2,496 878 2,672 2,863 1,134 Federal income taxes..................... 1,843 682 1,969 2,116 785 State and local income taxes............. 506 195 540 571 292 Other taxes.............................. 147 c/ 163 176 57 Income after taxes......................... 46,934 36,482 48,070 49,726 34,758 Net change in total assets and liabilities... -5,612 -2,035 -5,981 -6,289 -3,632 Net change in total assets............... 5,736 5,204 5,791 6,091 3,497 Net change in total liabilities.......... 11,348 7,239 11,772 12,380 7,129 Other financial information: Other money receipts..................... 539 65 588 646 147 Mortgage principal paid on owned property................................ -1,382 -756 -1,446 -1,527 -834 Estimated market value of owned home..... 106,766 62,727 111,317 118,683 55,072 Estimated monthly rental value of owned home.................................... 720 466 746 784 457 Gifts of goods and services................. 1,036 635 1,077 1,144 569 Food..................................... 82 45 86 92 37 Alcoholic beverages...................... 13 15 13 15 2 Housing.................................. 259 116 273 286 178 Housekeeping supplies.................. 42 21 45 48 21 Household textiles..................... 14 4 15 16 d/ 4 Appliances and miscellaneous housewares........................... 24 11 25 26 20 Major appliances..................... 8 d/ 4 9 9 8 Small appliances and miscellaneous housewares......................... 16 6 16 17 d/ 12 Miscellaneous household equipment...... 65 36 68 74 17 Other housing.......................... 114 44 121 121 118 Apparel and services..................... 237 224 239 250 151 Males, 2 and over...................... 64 57 64 67 48 Females, 2 and over.................... 82 63 84 91 27 Children under 2....................... 40 58 38 39 33 Other apparel products and services.... 52 46 52 53 44 Jewelry and watches.................. 24 10 25 28 7 All other apparel products and services............................ 28 36 27 26 36 Transportation........................... 44 37 45 45 43 Health care.............................. 33 15 34 38 8 Entertainment............................ 78 47 81 88 30 Toys, games, hobbies, and tricycles.... 30 21 31 33 15 Other entertainment.................... 48 27 50 55 15 Personal care products and services...... 21 15 22 24 7 Reading.................................. 1 1 1 2 1 Education................................ 184 56 197 212 79 All other gifts.......................... 84 65 86 93 34 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b No data reported. c Value less than 0.5. d Data are likely to have large sampling errors.