Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 All Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item consumer than to to to to to to to and units $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 more Number of consumer units (in thousands)........... 116,282 4,553 7,218 8,950 8,177 14,172 13,125 11,374 18,069 30,644 Consumer unit characteristics: Income before taxes ............................. $54,453 $1,097 $7,812 $12,499 $17,417 $24,767 $34,739 $44,645 $59,259 $118,482 Income after taxes .............................. 52,287 1,177 7,800 12,619 17,480 24,298 34,199 43,689 57,122 112,266 Age of reference person.......................... 48.5 38.9 51.6 56.2 53.9 50.5 47.5 47.3 45.8 47.0 Average number in consumer unit: Persons......................................... 2.5 1.6 1.6 1.8 2.0 2.2 2.4 2.6 2.8 3.1 Children under 18............................... .6 .3 .3 .4 .5 .5 .6 .7 .7 .8 Persons 65 and over............................. .3 .2 .4 .5 .5 .4 .3 .3 .2 .2 Earners......................................... 1.3 .6 .4 .5 .7 1.0 1.3 1.4 1.7 2.0 Vehicles........................................ 1.9 .8 .8 1.1 1.3 1.5 1.8 2.1 2.4 2.8 Percent distribution: Sex of reference person: Male............................................ 48 39 34 32 43 44 49 50 54 56 Female.......................................... 52 61 66 68 57 56 51 50 46 44 Housing tenure: Homeowner....................................... 68 26 36 51 54 57 63 70 78 90 With mortgage.................................. 42 10 9 14 16 23 36 45 57 72 Without mortgage............................... 25 15 27 37 38 35 27 25 20 18 Renter.......................................... 32 74 64 49 46 43 37 30 22 10 Race of reference person: Black or African-American....................... 12 17 20 17 16 15 12 11 9 7 White, Asian, and All Other Races............... 88 83 80 83 84 85 88 89 91 93 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 11 12 11 14 14 14 12 9 7 Not Hispanic or Latino (new UCC Q20032)......... 89 89 88 89 86 86 86 88 91 93 Education of reference person: Elementary (1-8)................................ 5 7 17 12 11 7 5 4 2 1 High school (9-12).............................. 35 38 41 51 51 46 43 39 31 18 College......................................... 59 55 41 36 38 47 52 57 66 81 Never attended and other........................ a/ a/ 1 1 a/ a/ a/ a/ a/ a/ At least one vehicle owned or leased............. 88 55 58 73 81 88 93 95 97 98 Average annual expenditures....................... $43,395 $17,029 $14,596 $19,444 $23,023 $27,741 $33,273 $38,204 $47,750 $76,954 Food............................................. 5,781 3,173 2,409 2,981 3,567 4,076 4,986 5,452 6,312 9,042 Food at home.................................... 3,347 2,030 1,695 2,105 2,435 2,591 3,056 3,263 3,640 4,734 Cereals and bakery products.................... 461 300 259 294 351 359 430 456 506 628 Cereals and cereal products................... 154 118 95 113 123 117 145 152 166 203 Bakery products............................... 307 182 164 182 228 242 285 305 340 426 Meats, poultry, fish, and eggs................. 880 558 476 562 640 698 827 900 936 1,209 Beef.......................................... 265 162 142 152 198 205 266 265 278 369 Pork.......................................... 181 118 110 135 130 161 172 195 194 229 Other meats................................... 108 71 52 62 83 81 92 111 117 155 Poultry....................................... 156 109 78 107 112 117 146 149 170 217 Fish and seafood.............................. 128 63 65 71 84 95 106 141 135 189 Eggs.......................................... 42 34 28 35 34 39 45 41 43 49 Dairy products................................. 371 229 177 230 268 289 349 361 403 521 Fresh milk and cream.......................... 144 102 83 105 118 121 145 143 154 185 Other dairy products.......................... 226 126 94 125 150 169 204 218 250 336 Fruits and vegetables.......................... 561 346 272 385 419 425 519 549 592 794 Fresh fruits.................................. 187 109 87 126 131 147 168 193 184 271 Fresh vegetables.............................. 183 116 88 131 138 132 165 168 202 262 Processed fruits.............................. 110 63 54 75 80 84 108 106 117 153 Processed vegetables.......................... 82 58 43 54 70 62 78 82 88 109 Other food at home............................. 1,075 597 512 633 757 819 930 997 1,202 1,582 Sugar and other sweets........................ 128 71 72 81 89 97 107 118 136 191 Fats and oils................................. 89 64 54 62 70 74 84 96 94 114 Miscellaneous foods........................... 527 272 222 302 367 387 452 475 589 801 Nonalcoholic beverages........................ 290 175 152 176 215 240 259 278 333 395 Food prepared by consumer unit on out-of-town trips............................ 41 14 11 13 16 21 29 30 50 80 Food away from home............................. 2,434 1,143 714 876 1,132 1,485 1,930 2,189 2,672 4,308 Alcoholic beverages.............................. 459 219 156 207 193 262 323 449 484 824 Housing.......................................... 13,918 6,300 5,645 7,513 8,370 9,639 11,143 12,383 14,699 23,547 Shelter......................................... 7,998 3,952 3,379 4,245 4,783 5,538 6,371 7,074 8,421 13,571 Owned dwellings................................ 5,324 1,354 971 1,577 2,052 2,479 3,406 4,363 5,917 11,053 Mortgage interest and charges................. 2,936 611 340 542 685 1,038 1,758 2,431 3,459 6,455 Property taxes................................ 1,391 370 405 572 704 772 891 1,098 1,466 2,763 Maintenance, repairs, insurance, other expenses..................................... 997 373 226 463 662 670 757 833 991 1,836 Rented dwellings............................... 2,201 2,409 2,272 2,550 2,599 2,893 2,753 2,457 2,085 1,362 Other lodging.................................. 473 189 136 118 132 166 212 255 419 1,156 Utilities, fuels, and public services........... 2,927 1,340 1,506 1,988 2,148 2,425 2,645 2,935 3,270 4,125 Natural gas.................................... 424 159 210 282 301 357 384 434 450 617 Electricity.................................... 1,064 522 592 797 834 916 968 1,070 1,156 1,450 Fuel oil and other fuels....................... 121 45 62 93 116 93 121 106 130 167 Telephone services............................. 990 499 501 617 683 804 881 984 1,148 1,411 Water and other public services................ 327 114 141 199 214 255 291 341 386 480 Household operations............................ 753 180 151 420 318 452 453 487 690 1,597 Personal services.............................. 300 b/ 62 47 201 113 182 161 163 281 649 Other household expenses....................... 453 118 103 218 205 270 292 323 409 948 Housekeeping supplies........................... 594 325 223 316 398 381 513 542 645 948 Laundry and cleaning supplies.................. 149 91 71 92 93 120 141 160 166 202 Other household products....................... 290 164 97 156 188 172 253 232 311 486 Postage and stationery......................... 155 70 56 68 116 90 119 150 168 260 Household furnishings and equipment............. 1,646 505 386 544 724 843 1,161 1,345 1,672 3,306 Household textiles............................. 158 70 35 45 80 108 127 123 141 302 Furniture...................................... 417 102 85 162 172 185 205 327 440 899 Floor coverings................................ 52 10 6 12 11 18 16 54 68 112 Major appliances............................... 204 34 48 68 137 101 159 235 219 367 Small appliances, miscellaneous housewares.................................... 105 39 30 40 59 75 106 90 79 190 Miscellaneous household equipment.............. 711 250 181 217 265 356 548 517 725 1,436 Apparel and services............................. 1,816 915 722 809 915 1,047 1,384 1,490 1,774 3,349 Men and boys.................................... 406 121 144 167 166 216 298 344 389 789 Men, 16 and over............................... 317 87 108 115 123 144 223 271 300 639 Boys, 2 to 15.................................. 89 34 35 52 43 72 75 73 89 151 Women and girls................................. 739 424 293 291 362 425 539 571 765 1,363 Women, 16 and over............................. 631 390 262 239 312 361 455 491 646 1,164 Girls, 2 to 15................................. 108 34 31 52 50 63 84 80 119 199 Children under 2................................ 79 45 43 41 58 65 60 63 78 127 Footwear........................................ 329 232 148 202 197 209 323 300 325 513 Other apparel products and services............. 264 93 94 107 132 132 164 213 218 558 Transportation................................... 7,801 2,270 2,052 3,000 3,758 5,114 6,288 7,031 9,700 13,513 Vehicle purchases (net outlay).................. 3,397 712 700 1,209 1,328 2,186 2,671 2,867 4,539 6,017 Cars and trucks, new........................... 1,748 b/ 279 b/ 294 512 450 913 1,237 1,337 2,254 3,477 Cars and trucks, used.......................... 1,582 414 406 695 870 1,258 1,427 1,449 2,123 2,429 Other vehicles................................. 66 b/ 20 c/ b/ 2 b/ 7 b/ 15 b/ 6 81 161 112 Gasoline and motor oil.......................... 1,598 690 620 782 964 1,190 1,432 1,621 1,953 2,411 Other vehicle expenses.......................... 2,365 690 648 872 1,301 1,525 1,942 2,259 2,795 4,092 Vehicle finance charges........................ 323 52 47 77 96 171 253 358 445 577 Maintenance and repairs........................ 652 235 230 258 492 423 548 571 755 1,088 Vehicle insurance.............................. 964 270 288 430 575 718 866 1,032 1,146 1,511 Vehicle rental, leases, licenses, other charges....................................... 426 133 82 107 139 213 275 298 450 916 Public transportation........................... 441 178 86 137 165 212 243 283 413 992 Health care...................................... 2,574 886 1,171 1,806 2,010 2,157 2,383 2,552 2,874 3,630 Health insurance................................ 1,332 383 651 953 1,081 1,147 1,223 1,440 1,521 1,791 Medical services................................ 648 254 181 328 379 466 558 519 728 1,107 Drugs........................................... 480 211 288 466 471 476 495 484 488 557 Medical supplies................................ 114 39 52 59 79 68 107 110 138 175 Entertainment.................................... 2,218 853 582 852 901 1,512 1,525 1,756 2,587 4,119 Fees and admissions............................. 528 208 100 120 136 206 286 379 548 1,196 Television, radios, sound equipment............. 788 359 321 441 472 578 672 734 925 1,231 Pets, toys, hobbies, and playground equipment... 381 155 99 156 183 217 356 316 403 686 Other entertainment supplies, equipment, and services................................... 522 131 62 134 111 511 211 328 711 1,006 Personal care products and services.............. 581 279 207 282 333 410 451 550 600 985 Reading.......................................... 130 48 52 59 76 83 95 118 137 234 Education........................................ 905 1,023 637 494 383 316 316 417 706 2,031 Tobacco products and smoking supplies............ 288 178 189 239 274 291 320 329 339 285 Miscellaneous.................................... 690 347 278 255 463 502 522 735 748 1,128 Cash contributions............................... 1,408 276 213 414 828 738 844 1,284 1,360 2,929 Personal insurance and pensions.................. 4,823 261 282 533 951 1,594 2,692 3,656 5,430 11,338 Life and other personal insurance............... 390 89 78 141 156 183 270 316 417 804 Pensions and Social Security.................... 4,433 172 205 392 795 1,411 2,422 3,340 5,013 10,535 Sources of income and personal taxes: Money income before taxes........................ 54,453 1,097 7,812 12,499 17,417 24,767 34,739 44,645 59,259 118,482 Wages and salaries.............................. 43,192 1,923 2,131 4,293 8,068 15,154 25,460 34,637 49,362 99,830 Self-employment income.......................... 3,008 -2,210 -15 207 433 781 979 1,507 2,349 8,845 Social Security, private and government retirement..................................... 5,848 465 3,597 6,310 7,266 7,174 6,560 6,735 5,519 5,611 Interest, dividends, rental income, other property income................................ 1,261 -7 110 195 297 581 731 795 1,001 3,155 Unemployment and workers' compensation, veterans' benefits............................. 237 68 91 135 204 244 288 291 315 242 Public assistance, supplemental security income, food stamps............................ 308 353 1,170 754 535 325 276 205 99 75 Regular contributions for support............... 413 272 361 365 439 354 363 343 442 509 Other income.................................... 187 233 366 240 173 155 82 133 172 214 Personal taxes................................... 2,166 -80 12 -120 -64 469 541 955 2,137 6,217 Federal income taxes............................ 1,519 -99 -16 -171 -164 253 234 523 1,484 4,589 State and local income taxes.................... 472 -14 1 4 35 89 183 275 447 1,298 Other taxes..................................... 175 32 27 47 65 127 124 157 206 329 Income after taxes............................... 52,287 1,177 7,800 12,619 17,480 24,298 34,199 43,689 57,122 112,266 Addenda: Net change in total assets and liabilities....... -7,567 -1,405 -932 111 -2,076 -1,285 -2,599 -4,999 -8,320 -19,295 Net change in total assets...................... 9,211 1,546 641 1,132 1,219 3,687 6,569 7,846 11,486 19,711 Net change in total liabilities................. 16,778 2,951 1,573 1,021 3,295 4,972 9,169 12,845 19,806 39,006 Other financial information: Other money receipts............................ 556 246 273 84 151 237 286 376 578 1,233 Mortgage principal paid on owned property....... -1,791 -328 -283 -326 -395 -569 -1,008 -1,239 -1,788 -4,270 Estimated market value of owned home............ 137,639 33,287 38,114 61,632 70,577 81,005 95,629 111,132 139,933 269,351 Estimated monthly rental value of owned home.... 781 229 259 391 449 498 574 684 842 1,407 Gifts of goods and services...................... 1,215 490 290 487 673 516 748 779 1,151 2,591 Food............................................ 74 b/ 7 27 10 36 20 37 43 49 189 Alcoholic beverages............................. 20 b/ 4 b/ 5 b/ 3 7 7 10 24 23 40 Housing......................................... 283 111 62 156 227 131 164 178 252 580 Housekeeping supplies.......................... 61 14 16 24 17 34 47 42 63 121 Household textiles............................. 19 b/ 1 b/ 7 b/ 6 15 13 13 5 27 34 Appliances and miscellaneous housewares.................................... 32 b/ 2 b/ 3 7 b/ 22 17 24 33 14 70 Major appliances.............................. 12 b/ 1 b/ 1 b/ 2 b/ 13 b/ 4 6 19 3 26 Small appliances and miscellaneous housewares................................... 20 b/ 1 b/ 2 b/ 5 b/ 9 14 18 14 11 44 Miscellaneous household equipment.............. 72 44 9 25 25 28 39 37 90 150 Other housing.................................. 99 51 26 94 148 38 41 61 58 204 Apparel and services............................ 286 151 82 174 181 154 233 244 314 489 Males, 2 and over.............................. 76 37 17 48 43 37 57 66 82 134 Females, 2 and over............................ 101 33 26 59 51 61 63 94 128 173 Children under 2............................... 38 12 15 19 29 28 26 29 41 66 Other apparel products and services............ 71 68 23 48 59 28 86 55 63 116 Jewelry and watches........................... 24 b/ 8 b/ 8 10 8 7 22 12 27 50 All other apparel products and services....... 47 b/ 60 b/ 15 b/ 38 50 21 64 43 36 66 Transportation.................................. 51 b/ 4 4 19 32 19 66 54 47 92 Health care..................................... 49 b/ 47 b/ 37 b/ 17 b/ 49 56 26 22 62 71 Entertainment................................... 78 20 16 44 47 44 69 63 78 143 Toys, games, arts and crafts, and tricycles.... 28 11 5 22 18 23 26 23 29 43 Other entertainment............................ 51 9 11 22 28 22 43 40 48 100 Personal care products and services............. 29 12 11 5 13 19 23 25 28 53 Reading......................................... 1 a/ b/ 1 a/ b/ 1 1 1 1 2 2 Education....................................... 250 b/ 70 b/ 7 27 b/ 12 33 34 52 175 773 All other gifts................................. 94 66 40 30 69 32 85 73 123 161 a Value less than 0.5. b Data are likely to have large sampling errors. c No data reported.