Table 2301. Higher Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 All Less $70,000 $80,000 $100,000 $100,000 $120,000 $150,000 Item consumer than to to and to to and units $70,000 $79,999 $99,999 more $119,999 $149,999 more Number of consumer units (in thousands)........... 116,282 85,638 6,461 9,246 14,937 5,625 4,245 5,067 Consumer unit characteristics: Income before taxes ............................. $54,453 $31,541 $74,437 $88,811 $155,901 $108,751 $132,292 $228,021 Income after taxes .............................. 52,287 30,825 72,236 84,884 146,530 103,801 124,273 212,610 Age of reference person.......................... 48.5 49.0 45.8 46.6 47.7 47.2 47.6 48.4 Average number in consumer unit: Persons......................................... 2.5 2.3 3.0 3.1 3.2 3.1 3.3 3.2 Children under 18............................... .6 .6 .8 .9 .8 .8 .9 .8 Persons 65 and over............................. .3 .3 .2 .2 .2 .2 .1 .2 Earners......................................... 1.3 1.1 1.8 2.0 2.1 2.1 2.2 2.1 Vehicles........................................ 1.9 1.6 2.6 2.7 2.9 2.8 2.9 2.9 Percent distribution: Sex of reference person: Male............................................ 48 45 55 56 57 57 60 54 Female.......................................... 52 55 45 44 43 43 40 46 Housing tenure: Homeowner....................................... 68 60 85 90 93 90 93 95 With mortgage.................................. 42 32 66 73 74 72 76 74 Without mortgage............................... 25 28 19 16 19 18 17 21 Renter.......................................... 32 40 15 10 7 10 7 5 Race of reference person: Black or African-American....................... 12 14 8 7 6 8 6 4 White, Asian, and All Other Races............... 88 86 92 93 94 92 94 96 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 12 8 7 6 6 7 5 Not Hispanic or Latino (new UCC Q20032)......... 89 88 92 93 94 94 93 95 Education of reference person: Elementary (1-8)................................ 5 7 1 2 1 1 1 a/ High school (9-12).............................. 35 42 26 19 14 16 16 10 College......................................... 59 51 73 79 85 83 83 90 Never attended and other........................ a/ a/ b/ a/ a/ a/ b/ b/ At least one vehicle owned or leased............. 88 85 97 97 98 98 98 98 Average annual expenditures....................... $43,395 $31,280 $55,012 $65,446 $93,526 $75,213 $87,299 $119,449 Food............................................. 5,781 4,562 7,337 7,467 10,733 9,444 10,419 12,555 Food at home.................................... 3,347 2,825 4,079 4,043 5,435 5,014 5,542 5,840 Cereals and bakery products.................... 461 398 522 545 724 672 741 772 Cereals and cereal products................... 154 135 176 180 228 217 232 238 Bakery products............................... 307 262 346 366 496 455 509 534 Meats, poultry, fish, and eggs................. 880 756 1,097 1,033 1,363 1,271 1,396 1,442 Beef.......................................... 265 226 354 324 403 384 412 419 Pork.......................................... 181 163 189 209 258 264 267 241 Other meats................................... 108 90 130 137 177 159 165 212 Poultry....................................... 156 133 191 185 247 233 254 258 Fish and seafood.............................. 128 105 194 136 220 177 241 252 Eggs.......................................... 42 39 39 43 57 54 57 60 Dairy products................................. 371 314 426 451 604 560 620 641 Fresh milk and cream.......................... 144 129 157 169 206 200 209 210 Other dairy products.......................... 226 185 269 282 398 360 411 431 Fruits and vegetables.......................... 561 473 645 659 941 860 932 1,049 Fresh fruits.................................. 187 155 210 221 327 285 329 378 Fresh vegetables.............................. 183 153 213 214 312 288 311 342 Processed fruits.............................. 110 93 126 134 175 159 172 199 Processed vegetables.......................... 82 71 96 89 126 128 120 131 Other food at home............................. 1,075 884 1,389 1,355 1,803 1,651 1,853 1,935 Sugar and other sweets........................ 128 104 141 162 231 184 273 246 Fats and oils................................. 89 79 103 98 129 131 128 128 Miscellaneous foods........................... 527 424 717 693 902 860 896 960 Nonalcoholic beverages........................ 290 250 374 332 443 405 461 472 Food prepared by consumer unit on out-of-town trips............................ 41 27 55 69 98 72 95 129 Food away from home............................. 2,434 1,737 3,259 3,424 5,299 4,429 4,877 6,715 Alcoholic beverages.............................. 459 323 617 702 987 724 887 1,405 Housing.......................................... 13,918 10,456 17,422 20,397 28,140 22,273 26,339 36,246 Shelter......................................... 7,998 6,004 10,213 11,761 16,143 12,871 14,869 20,843 Owned dwellings................................ 5,324 3,275 8,051 9,604 13,249 10,421 12,527 16,992 Mortgage interest and charges................. 2,936 1,677 4,871 5,681 7,619 6,139 7,306 9,523 Property taxes................................ 1,391 900 1,884 2,253 3,458 2,570 3,173 4,683 Maintenance, repairs, insurance, other expenses..................................... 997 697 1,296 1,670 2,172 1,712 2,048 2,786 Rented dwellings............................... 2,201 2,501 1,638 1,325 1,266 1,496 1,019 1,219 Other lodging.................................. 473 229 524 833 1,628 954 1,323 2,633 Utilities, fuels, and public services........... 2,927 2,498 3,552 3,903 4,511 3,977 4,446 5,159 Natural gas.................................... 424 355 540 535 701 587 729 805 Electricity.................................... 1,064 926 1,232 1,393 1,580 1,343 1,541 1,875 Fuel oil and other fuels....................... 121 104 129 156 190 167 153 246 Telephone services............................. 990 840 1,252 1,370 1,506 1,404 1,494 1,629 Water and other public services................ 327 273 399 450 534 475 530 604 Household operations............................ 753 451 895 1,332 2,064 1,407 1,799 3,016 Personal services.............................. 300 175 381 613 786 558 739 1,080 Other household expenses....................... 453 276 514 718 1,278 849 1,061 1,936 Housekeeping supplies........................... 594 461 677 862 1,118 893 1,051 1,461 Laundry and cleaning supplies.................. 149 128 173 181 227 204 246 237 Other household products....................... 290 217 323 423 595 437 493 892 Postage and stationery......................... 155 116 181 257 295 252 312 332 Household furnishings and equipment............. 1,646 1,042 2,085 2,539 4,304 3,125 4,174 5,767 Household textiles............................. 158 104 166 266 383 317 380 459 Furniture...................................... 417 244 587 576 1,235 791 1,318 1,659 Floor coverings................................ 52 30 45 80 162 88 93 303 Major appliances............................... 204 145 321 323 413 316 390 539 Small appliances, miscellaneous housewares.................................... 105 73 130 150 240 219 235 269 Miscellaneous household equipment.............. 711 445 837 1,144 1,871 1,394 1,759 2,538 Apparel and services............................. 1,816 1,248 2,219 2,666 4,253 3,644 3,675 5,502 Men and boys.................................... 406 264 544 613 1,003 849 842 1,341 Men, 16 and over............................... 317 197 419 480 831 674 687 1,156 Boys, 2 to 15.................................. 89 66 126 133 172 175 154 185 Women and girls................................. 739 505 854 1,159 1,706 1,490 1,597 2,074 Women, 16 and over............................. 631 431 695 996 1,468 1,252 1,370 1,824 Girls, 2 to 15................................. 108 74 159 162 239 238 226 250 Children under 2................................ 79 61 118 92 151 145 148 161 Footwear........................................ 329 260 380 382 649 634 566 750 Other apparel products and services............. 264 159 323 420 744 526 523 1,175 Transportation................................... 7,801 5,756 9,965 12,446 15,707 13,520 15,515 18,308 Vehicle purchases (net outlay).................. 3,397 2,459 4,218 5,516 7,106 6,013 7,028 8,384 Cars and trucks, new........................... 1,748 1,130 2,139 3,166 4,247 3,210 4,584 5,117 Cars and trucks, used.......................... 1,582 1,279 1,974 2,231 2,748 2,723 2,292 3,157 Other vehicles................................. 66 50 104 119 111 c/ 79 c/ 153 c/ 111 Gasoline and motor oil.......................... 1,598 1,307 2,131 2,366 2,559 2,452 2,686 2,573 Other vehicle expenses.......................... 2,365 1,747 3,184 3,812 4,659 4,162 4,582 5,278 Vehicle finance charges........................ 323 233 559 564 593 575 655 562 Maintenance and repairs........................ 652 495 830 1,048 1,225 1,083 1,227 1,383 Vehicle insurance.............................. 964 769 1,245 1,431 1,675 1,584 1,744 1,720 Vehicle rental, leases, licenses, other charges....................................... 426 250 550 768 1,165 920 956 1,613 Public transportation........................... 441 244 432 752 1,383 894 1,219 2,073 Health care...................................... 2,574 2,195 3,029 3,384 4,042 3,732 3,812 4,581 Health insurance................................ 1,332 1,167 1,532 1,766 1,918 1,778 1,799 2,173 Medical services................................ 648 484 867 945 1,311 1,163 1,221 1,551 Drugs........................................... 480 452 511 528 596 569 594 629 Medical supplies................................ 114 92 119 145 217 222 197 228 Entertainment.................................... 2,218 1,534 2,870 3,677 4,932 3,613 4,716 6,570 Fees and admissions............................. 528 289 673 924 1,590 1,055 1,476 2,280 Television, radios, sound equipment............. 788 629 1,016 1,142 1,379 1,202 1,321 1,628 Pets, toys, hobbies, and playground equipment... 381 269 560 604 790 615 811 966 Other entertainment supplies, equipment, and services................................... 522 347 621 1,007 1,172 742 1,108 1,696 Personal care products and services.............. 581 433 658 852 1,207 1,030 1,191 1,427 Reading.......................................... 130 93 159 197 290 227 298 353 Education........................................ 905 502 940 1,540 2,806 1,865 2,166 4,382 Tobacco products and smoking supplies............ 288 289 337 303 252 279 290 189 Miscellaneous.................................... 690 532 809 894 1,411 1,132 1,140 1,968 Cash contributions............................... 1,408 864 1,551 2,052 4,067 2,445 2,672 7,037 Personal insurance and pensions.................. 4,823 2,492 7,099 8,871 14,699 11,284 14,178 18,927 Life and other personal insurance............... 390 242 430 645 1,063 785 904 1,505 Pensions and Social Security.................... 4,433 2,249 6,670 8,225 13,636 10,498 13,274 17,422 Sources of income and personal taxes: Money income before taxes........................ 54,453 31,541 74,437 88,811 155,901 108,751 132,292 228,021 Wages and salaries.............................. 43,192 22,926 63,755 77,248 129,413 94,405 115,189 180,191 Self-employment income.......................... 3,008 919 3,448 3,965 14,200 6,249 7,012 29,049 Social Security, private and government retirement..................................... 5,848 5,933 5,385 5,147 5,996 5,510 5,799 6,701 Interest, dividends, rental income, other property income................................ 1,261 583 1,104 1,452 5,097 1,812 2,941 10,548 Unemployment and workers' compensation, veterans' benefits............................. 237 235 320 238 211 229 262 147 Public assistance, supplemental security income, food stamps............................ 308 391 83 73 73 c/ 121 c/ 73 c/ 20 Regular contributions for support............... 413 378 218 555 607 289 721 864 Other income.................................... 187 177 124 131 305 136 296 500 Personal taxes................................... 2,166 716 2,201 3,927 9,371 4,950 8,019 15,411 Federal income taxes............................ 1,519 420 1,464 2,719 7,100 3,559 6,022 11,933 State and local income taxes.................... 472 177 552 902 1,865 1,072 1,650 2,926 Other taxes..................................... 175 119 185 307 406 319 347 552 Income after taxes............................... 52,287 30,825 72,236 84,884 146,530 103,801 124,273 212,610 Addenda: Net change in total assets and liabilities....... -7,567 -3,370 -12,003 -26,001 -18,298 -11,933 -23,521 -20,989 Net change in total assets...................... 9,211 5,454 15,103 13,874 25,318 18,483 17,928 39,097 Net change in total liabilities................. 16,778 8,824 27,106 39,875 43,616 30,415 41,449 60,086 Other financial information: Other money receipts............................ 556 314 661 640 1,847 821 3,938 1,235 Mortgage principal paid on owned property....... -1,791 -904 -3,125 -3,285 -5,376 -3,828 -4,390 -7,919 Estimated market value of owned home............ 137,639 90,508 181,345 216,200 340,319 246,981 292,303 484,157 Estimated monthly rental value of owned home.... 781 557 1,061 1,249 1,655 1,336 1,582 2,071 Gifts of goods and services...................... 1,215 715 1,289 1,927 3,563 2,178 3,174 5,473 Food............................................ 74 32 69 108 290 175 200 494 Alcoholic beverages............................. 20 12 19 32 53 24 50 92 Housing......................................... 283 174 359 499 725 445 688 1,073 Housekeeping supplies.......................... 61 38 85 156 116 99 122 128 Household textiles............................. 19 13 34 31 36 38 40 30 Appliances and miscellaneous housewares.................................... 32 18 40 50 95 52 119 123 Major appliances.............................. 12 7 17 7 41 11 c/ 60 57 Small appliances and miscellaneous housewares................................... 20 11 24 43 54 41 59 66 Miscellaneous household equipment.............. 72 42 69 137 194 123 183 288 Other housing.................................. 99 62 131 125 284 132 224 503 Apparel and services............................ 286 211 351 384 611 475 492 893 Males, 2 and over.............................. 76 54 80 97 179 115 125 310 Females, 2 and over............................ 101 74 86 128 237 202 195 322 Children under 2............................... 38 28 51 46 85 78 79 102 Other apparel products and services............ 71 55 135 112 110 81 93 160 Jewelry and watches........................... 24 15 65 72 30 30 24 35 All other apparel products and services....... 47 40 70 40 80 52 69 125 Transportation.................................. 51 36 42 51 139 72 171 186 Health care..................................... 49 41 46 34 104 82 134 102 Entertainment................................... 78 54 115 111 175 145 191 191 Toys, games, arts and crafts, and tricycles.... 28 22 42 35 49 39 47 63 Other entertainment............................ 51 32 73 76 126 106 144 128 Personal care products and services............. 29 20 22 38 76 71 93 65 Reading......................................... 1 1 2 2 2 1 3 3 Education....................................... 250 63 176 556 1,165 566 991 1,977 All other gifts................................. 94 70 87 111 223 120 161 397 a Value less than 0.5. b No data reported. c Data are likely to have large sampling errors.