Table 9. Occupation of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 Wage and salary earners Self- All other, Item employed Total Technical Construction Operators Retired including workers wage Managers sales and Service workers fabricators not and and clerical workers and and reporting salary professionals workers mechanics laborers earners Number of consumer units (in thousands)...... 4,987 76,802 28,105 21,533 11,621 4,780 10,764 19,592 13,976 Income before taxes a/ ...................... $58,302 $58,773 $83,126 $50,321 $35,496 $50,805 $41,020 $27,695 $37,616 Income after taxes a/ ....................... 55,982 55,691 77,733 48,018 34,529 48,388 39,811 26,157 36,823 Age of the reference person.................. 52.0 42.2 43.5 41.2 41.8 39.5 42.0 73.8 45.6 Average number in consumer unit: Persons..................................... 2.4 2.6 2.6 2.5 2.7 2.9 2.8 1.7 2.8 Children under 18........................... .5 .7 .7 .7 .8 .9 .9 .1 .9 Persons 65 and over......................... .4 .1 .1 .1 .1 .1 .1 1.2 .2 Earners..................................... 1.6 1.7 1.7 1.7 1.7 1.8 1.7 .2 .7 Vehicles.................................... 2.3 2.1 2.2 2.0 1.7 2.4 2.1 1.6 1.6 Percent distribution: Male........................................ 64 54 53 44 45 93 72 45 29 Female...................................... 36 46 47 56 55 7 28 55 71 Homeowner................................... 81 65 75 62 49 65 59 81 56 With mortgage.............................. 44 48 59 46 34 51 39 19 30 Without mortgage........................... 37 16 16 16 15 14 19 62 26 Renter...................................... 19 35 25 38 51 35 41 19 44 Black or African American................... 6 12 9 12 19 6 16 10 17 White, Asian, and All Other Races........... 94 88 91 88 81 94 84 90 83 Elementary (1-8)............................ 6 3 b/ 1 7 7 10 14 10 High school (9-12).......................... 34 32 13 31 47 53 57 46 47 College..................................... 60 64 86 67 46 39 32 39 42 Never attended and other.................... b/ b/ b/ b/ b/ b/ 1 b/ 1 At least one vehicle owned or leased........ 92 91 95 90 83 92 89 82 76 Average annual expenditures.................. $51,006 $44,934 $58,236 $40,564 $32,066 $40,620 $34,603 $28,418 $32,042 Food........................................ 6,563 5,743 6,743 5,317 4,531 5,924 5,125 3,937 4,698 Food at home............................. 3,617 3,229 3,521 2,972 2,764 3,590 3,267 2,594 3,162 Cereals and bakery products............ 493 451 487 418 383 490 471 389 447 Cereals and cereal products.......... 157 155 163 143 140 183 164 123 158 Bakery products...................... 336 295 324 275 243 307 307 266 289 Meats, poultry, fish, and eggs......... 1,049 840 852 771 768 1,050 914 662 885 Beef................................. 391 250 250 222 217 416 264 173 265 Pork................................. 187 168 160 160 166 189 197 156 198 Other meats.......................... 108 106 108 98 98 114 118 84 107 Poultry.............................. 158 151 151 140 143 171 167 108 159 Fish and seafood..................... 163 128 146 118 108 121 124 107 114 Eggs................................. 42 37 37 34 36 38 43 35 41 Dairy products......................... 344 339 379 312 275 367 335 278 338 Fresh milk and cream................. 131 128 131 121 117 153 135 109 142 Other dairy products................. 212 211 248 191 159 214 201 169 196 Fruits and vegetables.................. 636 542 618 490 462 551 522 490 522 Fresh fruits......................... 216 173 204 154 146 163 162 153 166 Fresh vegetables..................... 204 172 202 148 147 174 168 162 170 Processed fruits..................... 127 111 123 107 93 114 103 98 102 Processed vegetables................. 89 86 89 81 76 100 89 77 84 Other food at home..................... 1,095 1,058 1,185 981 875 1,132 1,025 775 971 Sugar and other sweets............... 135 122 133 115 107 135 120 101 121 Fats and oils........................ 95 86 89 79 75 103 96 80 89 Miscellaneous foods.................. 509 528 606 484 421 555 504 358 466 Nonalcoholic beverages............... 292 284 302 268 256 306 284 204 270 Food prepared by consumer unit on out-of-town trips................... 64 38 56 35 16 34 21 32 24 Food away from home.................... 2,946 2,514 3,222 2,345 1,766 2,333 1,857 1,343 1,535 Alcoholic beverages......................... 557 455 597 415 358 373 300 208 248 Housing..................................... 14,996 14,652 18,940 13,567 10,888 12,520 10,614 9,813 11,251 Shelter.................................. 8,650 8,788 11,375 8,193 6,658 7,346 6,162 5,204 6,430 Owned dwellings........................ 6,422 5,897 8,331 5,290 3,493 5,002 3,747 3,538 3,783 Mortgage interest and charges........ 3,449 3,595 5,051 3,216 2,157 3,185 2,289 913 2,114 Property taxes....................... 1,684 1,355 1,971 1,153 812 1,073 864 1,432 1,037 Maintenance, repairs, insurance,other expenses............................ 1,289 946 1,309 921 524 744 595 1,193 633 Rented dwellings....................... 1,457 2,427 2,257 2,535 2,935 2,116 2,244 1,281 2,337 Other lodging.......................... 772 464 787 367 231 228 171 385 309 Utilities, fuels, and public services.... 3,122 2,911 3,313 2,773 2,494 2,813 2,630 2,493 2,600 Natural gas............................ 372 401 470 378 353 326 352 394 347 Electricity............................ 1,165 1,043 1,156 998 912 1,061 968 945 1,013 Fuel oil and other fuels............... 187 102 117 90 78 119 105 131 94 Telephone services..................... 1,031 1,040 1,177 1,006 885 999 938 682 849 Water and other public services........ 368 325 393 302 266 309 266 340 297 Household operations..................... 869 757 1,161 648 394 628 368 623 494 Personal services...................... 194 347 502 307 183 385 179 222 138 Other household expenses............... 675 410 659 341 211 243 189 402 356 Housekeeping supplies.................... 593 546 713 494 426 456 375 489 471 Laundry and cleaning supplies.......... 143 138 148 127 143 148 125 103 138 Other household products............... 299 271 365 249 197 212 173 250 227 Postage and stationery................. 151 136 200 118 85 96 77 136 105 Household furnishings and equipment...... 1,761 1,651 2,378 1,459 916 1,277 1,079 1,005 1,256 Household textiles..................... 193 116 177 104 67 64 59 95 92 Furniture.............................. 413 465 680 418 262 340 277 207 313 Floor coverings........................ 50 54 98 35 17 23 33 50 40 Major appliances....................... 210 207 261 211 122 185 161 168 169 Small appliances, miscellaneous housewares............................ 91 96 137 75 68 81 68 68 68 Miscellaneous household equipment...... 803 711 1,025 617 381 585 481 417 573 Apparel and services........................ 1,691 1,854 2,343 1,778 1,348 1,414 1,454 911 1,509 Men and boys............................. 364 429 541 391 299 344 383 180 339 Men, 16 and over....................... 262 328 432 304 200 247 276 154 228 Boys, 2 to 15.......................... 101 101 110 88 99 97 107 27 111 Women and girls.......................... 621 713 945 673 502 511 500 420 524 Women, 16 and over..................... 483 592 811 568 394 409 356 395 402 Girls, 2 to 15......................... 138 121 134 105 108 101 144 25 122 Children under 2......................... 89 94 103 82 88 88 99 22 99 Footwear................................. 304 333 348 348 297 330 306 163 267 Other apparel products and services...... 314 285 406 283 162 142 167 125 280 Transportation.............................. 9,325 8,758 10,469 7,907 6,626 9,576 7,931 4,805 6,028 Vehicle purchases (net outlay)........... 4,512 4,215 4,927 3,689 3,169 5,170 4,113 2,157 3,006 Cars and trucks, new................... 2,568 2,315 2,951 1,997 1,402 3,163 1,901 1,474 1,236 Cars and trucks, used.................. 1,856 1,811 1,863 1,612 1,705 1,822 2,184 671 1,746 Other vehicles......................... c/ 87 89 113 80 c/ 63 185 c/ 28 c/ 12 c/ 24 Gasoline and motor oil................... 1,510 1,495 1,622 1,423 1,271 1,715 1,452 825 1,089 Other vehicle expenses................... 2,643 2,637 3,254 2,465 1,936 2,521 2,173 1,511 1,687 Vehicle finance charges................ 347 454 511 440 355 521 411 138 246 Maintenance and repairs................ 744 678 855 626 480 617 561 492 425 Vehicle insurance...................... 995 1,006 1,163 966 812 1,011 882 639 693 Vehicle rental, leases, licenses, other charges.............................. 557 499 726 433 289 372 319 242 323 Public transportation.................... 659 411 666 329 249 170 192 312 246 Health care................................. 3,794 2,098 2,708 1,972 1,554 1,697 1,521 3,623 1,981 Health insurance......................... 1,849 1,082 1,360 1,027 841 908 805 1,996 926 Medical services......................... 1,051 557 782 490 350 442 380 655 522 Drugs.................................... 759 357 434 361 296 253 261 836 444 Medical supplies......................... 135 101 132 93 67 95 75 137 89 Entertainment............................... 2,866 2,231 3,096 1,993 1,371 1,801 1,564 1,560 1,515 Fees and admissions...................... 691 548 892 451 257 312 261 342 343 Television, radios, sound equipment...... 732 800 969 765 642 668 655 524 636 Pets, toys, and playground equipment..... 767 405 528 364 254 457 305 231 279 Other entertainment supplies, equipment,and services.................. 677 478 707 412 218 364 343 462 257 Personal care products and services......... 580 571 724 541 446 459 415 420 423 Reading..................................... 174 128 197 108 72 77 72 143 83 Education................................... 813 963 1,554 759 622 513 395 164 654 Tobacco products and smoking supplies....... 297 309 210 292 338 596 440 168 353 Miscellaneous............................... 1,124 641 815 589 397 543 593 513 359 Cash contributions.......................... 2,661 1,380 2,221 1,004 716 1,036 803 1,355 875 Personal insurance and pensions............. 5,565 5,151 7,617 4,323 2,798 4,090 3,376 797 2,065 Life and other personal insurance........ 593 421 609 357 245 322 290 335 285 Pensions and Social Security............. 4,972 4,730 7,008 3,966 2,553 3,767 3,086 462 1,780 Sources of income and personal taxes: a/ Money income before taxes.................. 58,302 58,773 83,126 50,321 35,496 50,805 41,020 27,695 37,616 Wages and salaries....................... 17,661 54,070 76,833 46,109 31,425 47,762 38,048 4,219 27,640 Self-employment income................... 29,301 1,095 1,849 906 588 557 301 422 1,131 Social Security, private and government retirement................... 8,172 1,819 1,996 1,740 2,120 1,217 1,462 20,317 5,429 Interest, dividends, rental income, other property income................... 2,383 835 1,608 585 172 494 196 2,176 598 Unemployment and workers'' compensation, veterans'' benefits..................... 225 276 212 304 183 406 428 102 494 Public assistance, supplemental security, income, food stamps..................... 110 148 52 127 343 157 227 231 1,508 Regular contributions for support........ 366 354 378 379 450 147 233 132 581 Other income............................. 84 175 200 170 216 67 124 97 236 Personal taxes............................. 2,320 3,082 5,394 2,302 967 2,418 1,208 1,539 794 Federal income taxes..................... 1,709 2,221 4,043 1,621 529 1,745 726 1,255 503 State and local income taxes............. 276 676 1,086 549 278 507 372 58 195 Other taxes.............................. 336 184 265 133 160 165 110 225 96 Income after taxes......................... 55,982 55,691 77,733 48,018 34,529 48,388 39,811 26,157 36,823 Net change in total assets and liabilities... -21,152 -18,141 -28,561 -11,764 -10,624 -19,087 -11,385 -2,698 -7,637 Net change in total assets............... 5,736 8,258 13,234 6,929 3,150 5,877 4,500 1,174 4,172 Net change in total liabilities.......... 26,888 26,399 41,795 18,693 13,774 24,965 15,885 3,873 11,809 Other financial information: Other money receipts..................... 1,064 489 635 410 658 305 168 541 549 Mortgage principal paid on owned property................................ -1,857 -1,784 -2,791 -1,432 -879 -1,336 -1,032 -955 -1,113 Estimated market value of owned home..... 180,708 120,331 174,992 105,307 71,764 98,452 69,815 134,939 92,577 Estimated monthly rental value of owned home.................................... 930 753 1,036 690 473 615 503 818 572 Gifts of goods and services................. 1,262 1,082 1,792 802 527 428 669 912 639 Food..................................... 72 89 152 53 62 26 54 54 52 Alcoholic beverages...................... 44 16 23 14 11 11 8 8 18 Housing.................................. 275 236 389 177 104 154 130 199 146 Housekeeping supplies.................. 54 46 78 28 29 24 23 28 33 Household textiles..................... 43 11 19 9 4 c/ 7 6 11 11 Appliances and miscellaneous housewares........................... 12 28 52 18 8 19 13 21 15 Major appliances..................... c/ 1 8 13 6 2 c/ 6 4 7 2 Small appliances and miscellaneous housewares......................... 11 21 39 12 6 c/ 14 9 14 12 Miscellaneous household equipment...... 72 60 100 45 22 39 31 56 36 Other housing.......................... 94 91 140 77 41 65 56 83 51 Apparel and services..................... 229 238 338 207 151 86 195 200 194 Males, 2 and over...................... 40 57 83 48 40 20 45 58 49 Females, 2 and over.................... 50 88 129 82 54 16 62 82 48 Children under 2....................... 54 41 51 33 33 27 46 19 48 Other apparel products and services.... 85 51 75 44 24 23 41 40 51 Jewelry and watches.................. 51 26 47 17 7 12 14 13 35 All other apparel products and services............................ 34 25 28 27 17 c/ 11 28 27 16 Transportation........................... 42 62 77 77 12 8 75 74 31 Health care.............................. 103 30 44 23 15 c/ 9 35 120 24 Entertainment............................ 97 74 99 75 43 47 52 56 50 Toys, games, hobbies, and tricycles.... 30 26 32 27 16 24 23 26 24 Other entertainment.................... 68 48 67 49 28 22 29 30 26 Personal care products and services...... 14 17 25 12 14 6 15 15 10 Reading.................................. 3 1 2 1 1 c/ 1 1 2 1 Education................................ 249 247 539 95 87 49 45 98 67 All other gifts.......................... 135 72 105 68 26 31 61 86 48 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.