Table 7. Housing tenure and type of area: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 Housing tenure Type of area All Homeowner Urban Item consumer units Home- Home- Renter Rural Total owner owner Total Central Other with without city urban mortgage mortgage Number of consumer units (in thousands)...... 115,356 77,194 47,104 30,090 38,163 101,047 34,423 66,625 14,309 Income before taxes a/ ...................... $51,128 $62,053 $72,831 $44,609 $29,827 $52,728 $43,768 $57,352 $40,140 Income after taxes a/ ....................... 48,596 58,739 69,112 41,951 28,822 50,075 41,234 54,638 38,439 Age of the reference person.................. 48.4 52.2 46.0 62.0 40.6 48.0 46.8 48.6 51.1 Average number in consumer unit: Persons..................................... 2.5 2.6 3.0 2.1 2.2 2.5 2.4 2.6 2.4 Children under 18........................... .6 .7 .9 .3 .6 .6 .6 .7 .6 Persons 65 and over......................... .3 .4 .2 .7 .1 .3 .3 .3 .4 Earners..................................... 1.3 1.4 1.7 1.0 1.2 1.3 1.2 1.4 1.3 Vehicles.................................... 1.9 2.3 2.5 2.0 1.1 1.9 1.5 2.1 2.5 Percent distribution: Male........................................ 50 52 54 50 46 50 47 52 50 Female...................................... 50 48 46 50 54 50 53 48 50 Homeowner................................... 67 100 100 100 n.a. 65 52 72 80 With mortgage.............................. 41 61 100 n.a. n.a. 41 32 46 39 Without mortgage........................... 26 39 n.a. 100 n.a. 24 21 26 41 Renter...................................... 33 n.a. n.a. n.a. 100 35 48 28 20 Black or African American................... 12 9 9 9 19 13 21 9 5 White, Asian, and All Other Races........... 88 91 91 91 81 87 79 91 95 Elementary (1-8)............................ 6 5 3 9 8 6 7 5 9 High school (9-12).......................... 36 36 30 44 38 35 35 35 45 College..................................... 57 59 67 47 54 59 58 59 46 Never attended and other.................... b/ b/ b/ b/ 1 b/ b/ b/ b/ At least one vehicle owned or leased........ 88 95 97 90 73 87 79 91 92 Average annual expenditures.................. $40,817 $47,396 $55,419 $34,467 $27,522 $41,619 $36,444 $44,297 $35,157 Food........................................ 5,340 5,917 6,473 4,851 4,177 5,413 4,962 5,648 4,821 Food at home............................. 3,129 3,447 3,667 3,015 2,489 3,142 2,892 3,272 3,035 Cereals and bakery products............ 442 491 515 442 344 446 403 468 414 Cereals and cereal products.......... 150 161 172 137 129 152 141 157 139 Bakery products...................... 292 330 343 304 215 294 262 310 275 Meats, poultry, fish, and eggs......... 825 894 956 772 685 819 768 845 863 Beef................................. 246 264 287 219 209 235 220 242 323 Pork................................. 171 190 197 175 132 169 153 177 184 Other meats.......................... 102 113 119 102 80 102 89 109 101 Poultry.............................. 145 153 168 124 127 148 145 150 120 Fish and seafood..................... 124 136 146 115 102 128 125 130 98 Eggs................................. 37 39 39 38 34 37 36 38 38 Dairy products......................... 328 365 388 318 254 329 298 345 322 Fresh milk and cream................. 127 137 145 121 106 126 115 131 133 Other dairy products................. 201 228 243 197 149 203 183 214 189 Fruits and vegetables.................. 535 588 611 543 430 547 512 566 452 Fresh fruits......................... 171 189 198 172 134 177 165 182 131 Fresh vegetables..................... 172 188 195 174 140 176 167 180 145 Processed fruits..................... 108 118 123 108 90 111 105 115 87 Processed vegetables................. 84 93 96 89 66 83 74 88 90 Other food at home..................... 999 1,110 1,196 940 777 1,001 909 1,049 985 Sugar and other sweets............... 119 134 135 131 90 119 109 124 122 Fats and oils........................ 86 95 97 92 67 86 77 91 85 Miscellaneous foods.................. 490 544 597 438 380 495 448 520 450 Nonalcoholic beverages............... 268 292 316 245 220 264 247 274 296 Food prepared by consumer unit on out-of-town trips................... 36 45 51 35 19 37 29 41 32 Food away from home.................... 2,211 2,470 2,806 1,837 1,688 2,271 2,070 2,375 1,786 Alcoholic beverages......................... 391 418 487 284 337 405 378 420 292 Housing..................................... 13,432 15,186 18,960 9,221 9,886 13,971 12,501 14,732 9,623 Shelter.................................. 7,887 8,471 11,488 3,749 6,706 8,325 7,637 8,681 4,797 Owned dwellings........................ 5,263 7,832 10,792 3,197 67 5,491 4,098 6,210 3,653 Mortgage interest and charges........ 2,954 4,397 7,148 90 36 3,098 2,253 3,535 1,936 Property taxes....................... 1,344 1,999 2,176 1,724 18 1,396 956 1,624 973 Maintenance, repairs, insurance,other expenses............................ 965 1,436 1,469 1,384 13 996 889 1,052 744 Rented dwellings....................... 2,179 64 55 78 6,459 2,369 3,175 1,953 840 Other lodging.......................... 445 576 640 474 181 465 363 518 303 Utilities, fuels, and public services.... 2,811 3,321 3,616 2,860 1,780 2,834 2,524 2,994 2,652 Natural gas............................ 392 488 521 437 197 420 417 422 194 Electricity............................ 1,028 1,214 1,290 1,094 652 1,014 879 1,084 1,126 Fuel oil and other fuels............... 110 145 138 157 37 92 34 122 233 Telephone services..................... 956 1,043 1,192 810 779 967 893 1,005 875 Water and other public services........ 326 431 475 362 115 341 300 361 225 Household operations..................... 707 882 1,015 673 354 748 652 798 416 Personal services...................... 294 352 440 213 176 309 286 320 185 Other household expenses............... 414 530 575 460 178 439 366 477 231 Housekeeping supplies.................... 529 631 673 549 323 528 452 567 538 Laundry and cleaning supplies.......... 132 144 154 124 109 129 122 133 155 Other household products............... 263 324 349 275 141 264 218 288 258 Postage and stationery................. 133 163 170 150 73 134 112 146 125 Household furnishings and equipment...... 1,497 1,880 2,168 1,390 723 1,536 1,235 1,692 1,220 Household textiles..................... 113 141 154 116 59 119 96 131 74 Furniture.............................. 401 493 602 322 215 417 346 454 287 Floor coverings........................ 52 72 82 56 11 55 42 62 27 Major appliances....................... 196 256 265 237 75 198 171 212 181 Small appliances, miscellaneous housewares............................ 88 106 122 76 52 90 85 93 69 Miscellaneous household equipment...... 648 814 943 583 312 657 495 741 582 Apparel and services........................ 1,640 1,809 2,116 1,253 1,300 1,700 1,597 1,754 1,215 Men and boys............................. 372 416 504 253 283 386 361 399 268 Men, 16 and over....................... 282 314 373 201 219 295 281 303 189 Boys, 2 to 15.......................... 89 102 131 53 64 91 80 96 79 Women and girls.......................... 634 735 826 567 431 653 585 688 505 Women, 16 and over..................... 529 617 674 505 352 544 491 571 424 Girls, 2 to 15......................... 106 119 152 61 80 109 94 117 82 Children under 2......................... 81 81 104 37 83 84 85 84 61 Footwear................................. 294 305 347 220 273 300 284 308 253 Other apparel products and services...... 258 273 335 175 229 277 281 275 128 Transportation.............................. 7,781 9,199 10,788 6,708 4,912 7,659 6,609 8,202 8,639 Vehicle purchases (net outlay)........... 3,732 4,505 5,300 3,261 2,167 3,578 3,145 3,802 4,814 Cars and trucks, new................... 2,052 2,664 3,080 2,011 816 2,021 1,646 2,215 2,273 Cars and trucks, used.................. 1,611 1,759 2,117 1,198 1,313 1,501 1,453 1,526 2,392 Other vehicles......................... 68 83 103 52 37 56 47 61 149 Gasoline and motor oil................... 1,333 1,529 1,753 1,179 936 1,297 1,055 1,422 1,587 Other vehicle expenses................... 2,331 2,727 3,250 1,906 1,529 2,367 1,990 2,562 2,078 Vehicle finance charges................ 371 438 583 212 234 360 279 402 444 Maintenance and repairs................ 619 711 786 593 432 623 535 668 591 Vehicle insurance...................... 905 1,059 1,220 806 595 916 778 988 827 Vehicle rental, leases, licenses, other charges.............................. 436 519 662 295 268 467 399 503 216 Public transportation.................... 385 437 485 362 279 417 419 416 160 Health care................................. 2,416 3,009 2,773 3,386 1,218 2,390 2,045 2,568 2,600 Health insurance......................... 1,252 1,564 1,439 1,760 619 1,236 993 1,361 1,365 Medical services......................... 591 739 747 727 292 594 530 627 569 Drugs.................................... 467 575 458 765 248 454 421 471 560 Medical supplies......................... 107 131 129 135 58 107 102 110 107 Entertainment............................... 2,060 2,525 2,921 1,901 1,119 2,076 1,629 2,307 1,942 Fees and admissions...................... 494 617 750 409 246 528 408 590 259 Television, radios, sound equipment...... 730 818 947 614 553 750 665 794 587 Pets, toys, and playground equipment..... 378 470 513 407 194 359 280 400 512 Other entertainment supplies, equipment,and services.................. 457 620 711 471 127 439 276 523 585 Personal care products and services......... 527 599 658 492 382 544 500 567 408 Reading..................................... 127 155 158 149 72 133 119 141 86 Education................................... 783 843 1,071 480 662 845 718 911 348 Tobacco products and smoking supplies....... 290 283 310 242 302 278 261 287 372 Miscellaneous............................... 606 720 780 626 376 615 509 670 541 Cash contributions.......................... 1,370 1,742 1,650 1,887 616 1,428 1,207 1,543 956 Personal insurance and pensions............. 4,055 4,992 6,273 2,986 2,161 4,161 3,410 4,548 3,312 Life and other personal insurance........ 397 527 626 373 134 400 308 448 375 Pensions and Social Security............. 3,658 4,464 5,647 2,612 2,027 3,760 3,102 4,100 2,937 Sources of income and personal taxes: a/ Money income before taxes.................. 51,128 62,053 72,831 44,609 29,827 52,728 43,768 57,352 40,140 Wages and salaries....................... 41,200 49,505 63,345 27,107 25,008 42,833 34,904 46,926 29,981 Self-employment income................... 2,138 2,911 3,269 2,330 632 2,087 1,776 2,247 2,492 Social Security, private and government retirement................... 5,601 7,270 4,141 12,335 2,346 5,532 4,866 5,875 6,075 Interest, dividends, rental income, other property income................... 1,097 1,532 1,148 2,154 250 1,140 961 1,233 804 Unemployment and workers'' compensation, veterans'' benefits..................... 269 281 323 215 245 279 266 285 204 Public assistance, supplemental security, income, food stamps..................... 314 175 142 227 587 321 505 226 270 Regular contributions for support........ 343 285 341 195 456 360 334 373 228 Other income............................. 165 94 123 47 304 177 155 188 86 Personal taxes............................. 2,532 3,314 3,720 2,658 1,006 2,653 2,534 2,714 1,701 Federal income taxes..................... 1,843 2,427 2,657 2,055 704 1,950 1,940 1,956 1,106 State and local income taxes............. 502 611 786 328 288 520 445 559 372 Other taxes.............................. 187 276 277 275 14 182 148 199 223 Income after taxes......................... 48,596 58,739 69,112 41,951 28,822 50,075 41,234 54,638 38,439 Net change in total assets and liabilities... -14,376 -20,518 -38,950 8,335 -1,951 -15,650 -12,287 -17,387 -5,381 Net change in total assets............... 6,451 10,124 11,626 7,773 -978 6,625 4,154 7,901 5,225 Net change in total liabilities.......... 20,827 30,642 50,575 -562 973 22,274 16,441 25,288 10,606 Other financial information: Other money receipts..................... 530 661 687 620 266 525 309 637 564 Mortgage principal paid on owned property................................ -1,565 -2,325 -3,514 -464 -26 -1,603 -1,039 -1,895 -1,292 Estimated market value of owned home..... 122,059 181,333 198,332 154,722 2,164 125,536 90,302 143,741 97,506 Estimated monthly rental value of owned home.................................... 750 1,120 1,238 936 b/ 778 578 881 552 Gifts of goods and services................. 1,007 1,257 1,325 1,138 502 1,032 878 1,113 828 Food..................................... 78 102 106 96 28 82 71 87 50 Alcoholic beverages...................... 16 17 20 11 14 17 19 16 9 Housing.................................. 220 269 275 256 122 224 184 245 193 Housekeeping supplies.................. 42 52 58 40 20 42 34 46 41 Household textiles..................... 13 17 18 15 4 12 9 14 15 Appliances and miscellaneous housewares........................... 25 32 34 27 10 26 25 26 17 Major appliances..................... 7 10 10 10 1 7 6 7 4 Small appliances and miscellaneous housewares......................... 18 22 25 18 9 19 19 19 13 Miscellaneous household equipment...... 57 70 71 66 31 58 38 69 47 Other housing.......................... 85 99 93 107 57 87 78 91 73 Apparel and services..................... 225 257 276 222 160 229 225 231 198 Males, 2 and over...................... 56 66 69 61 34 58 54 59 42 Females, 2 and over.................... 80 96 99 92 49 83 72 89 59 Children under 2....................... 39 40 50 22 36 39 38 40 37 Other apparel products and services.... 50 55 58 48 42 49 60 43 61 Jewelry and watches.................. 26 27 29 23 24 26 40 19 24 All other apparel products and services............................ 25 28 30 25 18 23 20 24 36 Transportation........................... 60 77 100 40 26 57 43 65 78 Health care.............................. 48 63 40 98 18 48 53 46 44 Entertainment............................ 69 83 84 81 41 70 57 76 65 Toys, games, hobbies, and tricycles.... 26 31 32 29 16 26 20 28 30 Other entertainment.................... 43 52 52 52 25 44 37 48 35 Personal care products and services...... 16 17 19 15 12 16 16 16 16 Reading.................................. 1 2 1 2 1 1 1 1 2 Education................................ 200 276 313 218 45 213 152 245 107 All other gifts.......................... 74 94 90 100 34 75 58 84 66 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. n.a. Not applicable.