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, 2002 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)...... 112,108 74,419 37,689 98,386 13,722 98,553 13,554 10,500 101,608 Income before taxes a/ ...................... $49,430 $59,345 $30,386 $50,985 $38,376 $51,177 $35,944 $37,360 $50,742 Income after taxes a/ ....................... 46,934 56,209 29,119 48,332 36,998 48,504 34,808 36,482 48,070 Age of the reference person.................. 48.1 52.0 40.4 47.6 51.3 48.4 45.6 42.2 48.7 Average number in consumer unit: Persons..................................... 2.5 2.6 2.2 2.5 2.5 2.5 2.7 3.3 2.4 Children under 18........................... .7 .7 .6 .7 .6 .6 .9 1.1 .6 Persons 65 and over......................... .3 .4 .1 .3 .4 .3 .2 .2 .3 Earners..................................... 1.4 1.4 1.2 1.4 1.4 1.4 1.3 1.6 1.3 Vehicles.................................... 2.0 2.3 1.2 1.9 2.5 2.1 1.3 1.7 2.0 Percent distribution: Male........................................ 51 54 46 51 50 52 40 52 51 Female...................................... 49 46 54 49 50 48 60 48 49 Homeowner................................... 66 100 n.a 64 82 69 48 48 68 With mortgage.............................. 41 61 n.a 41 37 42 32 33 41 Without mortgage........................... 26 39 n.a 23 45 27 16 15 27 Renter...................................... 34 n.a. 100 36 18 31 52 52 32 Black....................................... 12 9 19 13 5 n.a. 100 4 13 White and other............................. 88 91 81 87 95 100 n.a. 96 87 Elementary (1-8)............................ 6 5 7 6 8 6 7 22 4 High school (9-12).......................... 38 37 40 36 49 36 48 42 37 College..................................... 56 58 52 58 43 58 45 35 58 Never attended and other.................... b/ b/ b/ b/ b/ b/ b/ 2 b/ At least one vehicle owned or leased........ 88 95 75 87 92 90 74 82 88 Average annual expenditures.................. $40,677 $46,908 $28,372 $41,600 $34,067 $42,135 $30,136 $34,742 $41,295 Food........................................ 5,375 6,009 4,123 5,465 4,739 5,542 4,186 5,666 5,349 Food at home............................. 3,099 3,454 2,397 3,129 2,884 3,159 2,669 3,643 3,047 Cereals and bakery products............ 450 501 350 455 414 459 390 498 446 Cereals and cereal products.......... 154 166 131 156 141 154 152 191 151 Bakery products...................... 296 335 219 299 272 304 238 308 295 Meats, poultry, fish, and eggs......... 798 881 636 804 756 789 862 1,057 774 Beef................................. 231 253 189 232 225 233 220 334 221 Pork................................. 167 185 133 165 186 162 208 216 163 Other meats.......................... 101 114 76 101 102 102 96 110 100 Poultry.............................. 144 158 118 148 117 141 168 202 139 Fish and seafood..................... 121 136 91 125 95 119 133 137 119 Eggs................................. 34 35 30 34 32 33 37 58 31 Dairy products......................... 328 370 247 330 317 342 232 385 323 Fresh milk and cream................. 127 140 102 127 131 131 96 168 123 Other dairy products................. 201 230 145 203 186 211 135 217 200 Fruits and vegetables.................. 552 613 432 562 485 565 460 720 536 Fresh fruits......................... 178 199 136 183 144 184 136 242 172 Fresh vegetables..................... 175 195 135 179 148 181 128 247 168 Processed fruits..................... 116 127 93 117 105 116 114 138 113 Processed vegetables................. 83 92 67 83 88 84 82 92 83 Other food at home..................... 970 1,090 732 978 913 1,004 725 982 968 Sugar and other sweets............... 117 136 81 117 117 121 91 110 118 Fats and oils........................ 85 96 64 85 84 86 81 102 84 Miscellaneous foods.................. 472 528 362 477 436 491 340 458 473 Nonalcoholic beverages............... 254 279 204 255 243 262 199 279 252 Food prepared by consumer unit on out-of-town trips................... 41 51 22 42 33 45 13 32 42 Food away from home.................... 2,276 2,555 1,725 2,336 1,855 2,383 1,517 2,023 2,302 Alcoholic beverages......................... 376 402 324 395 241 402 190 301 383 Housing..................................... 13,283 15,058 9,777 13,771 9,780 13,633 10,756 11,841 13,431 Shelter.................................. 7,829 8,458 6,588 8,277 4,622 8,043 6,279 7,372 7,877 Owned dwellings........................ 5,165 7,752 56 5,389 3,559 5,432 3,223 3,567 5,330 Mortgage interest and charges........ 2,962 4,449 26 3,122 1,816 3,095 2,000 2,232 3,038 Property taxes....................... 1,242 1,865 12 1,290 903 1,321 669 696 1,299 Maintenance, repairs, insurance,other expenses............................ 960 1,438 18 977 840 1,016 554 639 994 Rented dwellings....................... 2,160 67 6,293 2,358 739 2,065 2,852 3,645 2,006 Other lodging.......................... 505 639 239 530 324 546 204 161 540 Utilities, fuels, and public services.... 2,684 3,155 1,755 2,701 2,565 2,673 2,768 2,413 2,712 Natural gas............................ 330 410 171 353 161 323 380 245 338 Electricity............................ 981 1,158 633 962 1,120 974 1,034 808 999 Fuel oil and other fuels............... 88 118 30 73 200 96 30 46 93 Telephone services..................... 957 1,036 801 972 851 944 1,050 1,021 950 Water and other public services........ 328 434 120 342 233 336 274 292 332 Household operations..................... 706 876 370 751 381 733 509 407 737 Personal services...................... 331 395 205 355 158 337 287 212 343 Other household expenses............... 375 481 165 396 224 396 222 195 393 Housekeeping supplies.................... 545 674 291 511 790 578 313 471 552 Laundry and cleaning supplies.......... 131 147 99 129 142 131 124 174 126 Other household products............... 283 366 120 248 535 306 124 225 289 Postage and stationery................. 131 161 73 134 113 141 65 72 137 Household furnishings and equipment...... 1,518 1,896 773 1,532 1,422 1,606 887 1,179 1,553 Household textiles..................... 136 171 66 134 149 145 68 141 135 Furniture.............................. 401 495 216 420 266 416 293 345 407 Floor coverings........................ 40 57 8 43 19 42 27 13 43 Major appliances....................... 188 245 77 190 181 191 173 148 193 Small appliances, miscellaneous housewares............................ 100 115 71 98 116 107 51 91 101 Miscellaneous household equipment...... 652 813 336 646 693 705 276 441 673 Apparel and services........................ 1,749 1,942 1,369 1,814 1,292 1,756 1,704 2,097 1,716 Men and boys............................. 409 460 310 421 329 416 363 551 396 Men, 16 and over....................... 319 360 239 330 248 331 239 413 311 Boys, 2 to 15.......................... 90 100 70 91 81 85 124 138 85 Women and girls.......................... 704 808 498 727 545 712 649 638 710 Women, 16 and over..................... 587 673 416 613 406 598 510 479 597 Girls, 2 to 15......................... 117 135 82 114 139 114 139 159 113 Children under 2......................... 83 82 83 84 75 83 81 142 77 Footwear................................. 313 341 259 327 214 300 404 521 294 Other apparel products and services...... 240 251 219 255 129 244 207 245 239 Transportation.............................. 7,759 8,972 5,365 7,787 7,562 8,077 5,447 6,769 7,861 Vehicle purchases (net outlay)........... 3,665 4,238 2,533 3,647 3,796 3,836 2,420 3,130 3,720 Cars and trucks, new................... 1,753 2,188 893 1,780 1,562 1,857 1,000 1,149 1,815 Cars and trucks, used.................. 1,842 1,965 1,599 1,804 2,120 1,902 1,410 1,900 1,836 Other vehicles......................... 70 84 41 63 c/ 115 78 c/ 11 c/ 81 68 Gasoline and motor oil................... 1,235 1,413 883 1,211 1,411 1,278 925 1,261 1,232 Other vehicle expenses................... 2,471 2,886 1,651 2,510 2,187 2,553 1,875 2,062 2,513 Vehicle finance charges................ 397 465 262 391 441 406 335 407 396 Maintenance and repairs................ 697 807 481 706 635 725 499 529 714 Vehicle insurance...................... 894 1,033 619 897 868 921 692 799 903 Vehicle rental, leases, licenses, other charges.............................. 483 581 289 516 244 501 349 327 499 Public transportation.................... 389 435 298 420 168 411 228 317 396 Health care................................. 2,350 2,921 1,223 2,315 2,606 2,490 1,339 1,366 2,452 Health insurance......................... 1,168 1,450 611 1,151 1,291 1,226 747 671 1,219 Medical services......................... 590 737 300 583 641 637 247 358 614 Drugs.................................... 487 605 255 476 572 514 295 271 510 Medical supplies......................... 105 130 57 106 102 113 50 66 109 Entertainment............................... 2,079 2,501 1,246 2,124 1,755 2,211 1,124 1,409 2,148 Fees and admissions...................... 542 674 281 577 291 588 203 289 568 Television, radios, sound equipment...... 692 771 536 711 553 699 640 565 705 Pets, toys, and playground equipment..... 369 454 201 365 397 397 172 217 384 Other entertainment supplies, equipment,and services.................. 476 602 229 471 514 527 109 338 492 Personal care products and services......... 526 598 384 541 418 531 488 492 529 Reading..................................... 139 166 84 145 95 148 67 60 147 Education................................... 752 774 708 806 363 792 463 488 779 Tobacco products and smoking supplies....... 320 307 347 307 419 336 210 186 334 Miscellaneous............................... 792 895 589 808 683 818 606 628 809 Cash contributions.......................... 1,277 1,588 663 1,300 1,112 1,327 917 612 1,346 Personal insurance and pensions............. 3,899 4,773 2,171 4,023 3,003 4,072 2,640 2,827 4,009 Life and other personal insurance........ 406 524 173 407 398 419 312 196 428 Pensions and Social Security............. 3,493 4,249 1,998 3,616 2,605 3,653 2,328 2,631 3,581 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 59,345 30,386 50,985 38,376 51,177 35,944 37,360 50,742 Wages and salaries....................... 39,864 47,262 25,653 41,370 29,160 41,114 30,212 32,824 40,629 Self-employment income................... 2,237 3,015 743 2,250 2,147 2,433 720 1,053 2,366 Social Security, private and government retirement................... 5,234 6,811 2,205 5,146 5,859 5,469 3,423 2,141 5,570 Interest, dividends, rental income, other property income................... 924 1,283 236 980 530 1,032 93 198 1,003 Unemployment and workers'' compensation, veterans'' benefits..................... 233 248 204 239 192 239 187 187 238 Public assistance, supplemental security, income, food stamps..................... 352 219 608 362 283 283 887 545 332 Regular contributions for support........ 412 410 418 448 159 437 222 266 428 Other income............................. 173 96 319 190 47 169 200 145 176 Personal taxes............................. 2,496 3,136 1,267 2,653 1,378 2,672 1,136 878 2,672 Federal income taxes..................... 1,843 2,293 978 1,972 924 1,980 783 682 1,969 State and local income taxes............. 506 626 277 532 328 533 302 195 540 Other taxes.............................. 147 218 12 150 126 160 51 b/ 163 Income after taxes......................... 46,934 56,209 29,119 48,332 36,998 48,504 34,808 36,482 48,070 Net change in total assets and liabilities... -5,612 -7,668 -1,552 -5,901 -3,541 -5,845 -3,915 -2,035 -5,981 Net change in total assets............... 5,736 8,892 -496 5,841 4,981 6,060 3,377 5,204 5,791 Net change in total liabilities.......... 11,348 16,560 1,056 11,742 8,523 11,905 7,292 7,239 11,772 Other financial information: Other money receipts..................... 539 699 224 563 369 595 132 65 588 Mortgage principal paid on owned property................................ -1,382 -2,064 -35 -1,425 -1,070 -1,458 -830 -756 -1,446 Estimated market value of owned home..... 106,766 160,119 1,416 109,879 84,444 113,849 55,263 62,727 111,317 Estimated monthly rental value of owned home.................................... 720 1,084 c/ 2 747 525 757 455 466 746 Gifts of goods and services................. 1,036 1,276 564 1,056 894 1,099 587 635 1,077 Food..................................... 82 109 29 86 54 89 36 45 86 Alcoholic beverages...................... 13 15 11 14 9 15 3 15 13 Housing.................................. 259 315 148 261 244 270 177 116 273 Housekeeping supplies.................. 42 51 25 43 40 46 20 21 45 Household textiles..................... 14 17 7 13 22 15 c/ 6 4 15 Appliances and miscellaneous housewares........................... 24 31 10 24 26 25 18 11 25 Major appliances..................... 8 12 1 9 6 9 7 c/ 4 9 Small appliances and miscellaneous housewares......................... 16 19 9 15 20 16 c/ 11 6 16 Miscellaneous household equipment...... 65 80 34 66 54 71 19 36 68 Other housing.......................... 114 136 71 115 103 114 113 44 121 Apparel and services..................... 237 262 188 246 172 249 154 224 239 Males, 2 and over...................... 64 69 53 64 62 67 43 57 64 Females, 2 and over.................... 82 97 51 85 57 89 30 63 84 Children under 2....................... 40 42 35 41 33 41 32 58 38 Other apparel products and services.... 52 53 48 56 20 52 49 46 52 Jewelry and watches.................. 24 25 21 26 9 26 7 10 25 All other apparel products and services............................ 28 28 27 30 11 26 41 36 27 Transportation........................... 44 48 35 41 64 43 51 37 45 Health care.............................. 33 42 13 32 39 36 9 15 34 Entertainment............................ 78 95 45 79 72 84 35 47 81 Toys, games, hobbies, and tricycles.... 30 37 17 30 30 32 17 21 31 Other entertainment.................... 48 58 28 49 41 53 18 27 50 Personal care products and services...... 21 24 16 20 27 23 7 15 22 Reading.................................. 1 2 0 1 1 1 b/ 1 1 Education................................ 184 255 43 191 131 198 82 56 197 All other gifts.......................... 84 109 35 84 83 91 33 65 86 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.