Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 16,686 453 761 873 832 1,813 1,983 1,812 2,979 5,182 Income before taxes a/ ...................... $60,050 - $393 $7,627 $12,280 $17,099 $24,666 $34,408 $44,168 $58,679 $116,501 Income after taxes a/ ....................... 55,387 -922 7,619 12,198 16,625 23,907 32,523 41,604 54,743 105,768 Age of the reference person.................. 49.4 49.7 49.5 49.7 49.6 49.2 49.2 49.3 49.4 49.4 Average number in consumer unit: Persons..................................... 2.6 2.2 1.9 2.2 2.3 2.4 2.3 2.5 2.8 3.1 Children under 18........................... .6 .5 .4 .6 .5 .5 .5 .5 .6 .7 Persons 65 and over......................... b/ b/ b/ .1 b/ b/ b/ b/ b/ b/ Earners..................................... 1.8 1.0 .8 1.1 1.2 1.4 1.6 1.7 2.0 2.3 Vehicles.................................... 2.4 1.4 1.1 1.4 1.7 1.8 2.0 2.2 2.7 3.2 Percent distribution: Male........................................ 55 42 42 44 43 48 51 54 58 64 Female...................................... 45 58 58 56 57 52 49 46 42 36 Homeowner................................... 75 49 44 45 53 61 68 74 85 93 With mortgage.............................. 55 31 18 21 25 36 47 54 65 76 Without mortgage........................... 20 18 26 24 28 25 20 19 20 16 Renter...................................... 25 51 56 55 47 39 32 26 15 7 Black....................................... 12 21 27 26 15 14 14 15 9 6 White and other............................. 88 79 73 74 85 86 86 85 91 94 Elementary (1-8)............................ 4 11 14 10 11 7 5 4 2 1 High school (9-12).......................... 34 42 53 53 51 42 39 36 36 19 College..................................... 61 47 32 37 38 51 56 60 62 80 Never attended and other.................... c/ d/ 2 c/ 1 1 1 c/ c/ c/ At least one vehicle owned or leased........ 92 67 58 71 83 91 94 96 98 98 Average annual expenditures.................. $49,711 $25,220 $18,065 $22,236 $24,542 $29,079 $36,209 $42,115 $50,236 $79,532 Food........................................ 6,715 3,868 3,148 3,485 3,450 4,422 5,300 6,250 6,889 9,779 Food at home............................. 3,872 2,463 2,440 2,488 2,587 2,839 3,379 3,797 3,772 5,176 Cereals and bakery products............ 576 296 371 322 368 420 489 536 567 797 Cereals and cereal products.......... 188 89 168 111 145 146 154 165 196 247 Bakery products...................... 388 207 203 211 223 275 334 371 371 550 Meats, poultry, fish, and eggs......... 1,033 746 737 681 778 874 935 1,053 968 1,300 Beef................................. 319 225 248 182 230 274 275 336 288 410 Pork................................. 218 185 169 156 198 188 242 209 207 249 Other meats.......................... 129 91 82 92 95 108 124 130 128 158 Poultry.............................. 185 97 123 157 141 158 151 193 183 230 Fish and seafood..................... 141 119 80 63 80 105 98 141 122 209 Eggs................................. 42 30 36 31 35 41 46 45 39 45 Dairy products......................... 408 251 256 257 273 301 345 401 396 550 Fresh milk and cream................. 163 116 119 130 135 139 152 155 144 206 Other dairy products................. 245 135 137 127 138 162 193 247 253 344 Fruits and vegetables.................. 645 367 392 420 429 491 585 607 615 871 Fresh fruits......................... 194 120 133 142 120 149 178 181 180 260 Fresh vegetables..................... 206 109 107 125 133 153 194 198 200 279 Processed fruits..................... 136 62 79 80 93 104 118 126 127 189 Processed vegetables................. 110 75 72 73 83 84 96 103 108 143 Other food at home..................... 1,210 804 683 808 737 752 1,025 1,200 1,226 1,658 Sugar and other sweets............... 146 96 80 86 99 100 105 156 141 204 Fats and oils........................ 107 70 81 66 73 83 89 108 107 139 Miscellaneous foods.................. 575 398 284 395 339 314 485 570 580 808 Nonalcoholic beverages............... 330 196 217 240 205 222 314 328 343 423 Food prepared by consumer unit on out-of-town trips................... 52 e/ 44 e/ 21 20 21 33 33 38 55 84 Food away from home.................... 2,843 1,405 708 997 863 1,583 1,922 2,453 3,117 4,603 Alcoholic beverages......................... 444 351 221 219 155 239 384 295 418 719 Housing..................................... 14,776 9,645 6,290 7,826 8,136 9,344 11,164 12,578 14,384 22,928 Shelter.................................. 8,628 5,796 3,527 4,728 4,860 5,397 6,675 7,146 8,218 13,518 Owned dwellings........................ 6,272 3,343 1,513 1,727 2,115 2,877 4,212 4,801 6,308 11,128 Mortgage interest and charges........ 3,801 2,238 795 898 1,028 1,599 2,425 3,058 3,809 6,865 Property taxes....................... 1,442 757 445 447 555 709 1,072 973 1,471 2,504 Maintenance, repairs, insurance,other expenses............................ 1,028 348 273 383 532 569 714 769 1,028 1,759 Rented dwellings....................... 1,673 2,107 1,922 2,803 2,543 2,341 2,252 2,033 1,301 900 Other lodging.......................... 684 345 91 198 202 180 211 313 608 1,490 Utilities, fuels, and public services.... 3,026 2,272 1,733 2,105 2,271 2,413 2,638 2,917 3,135 3,895 Natural gas............................ 403 278 202 276 280 308 351 373 400 549 Electricity............................ 1,078 857 701 802 880 915 957 1,055 1,105 1,326 Fuel oil and other fuels............... 124 160 65 92 104 113 72 108 128 166 Telephone services..................... 1,057 752 593 747 762 799 948 1,050 1,109 1,355 Water and other public services........ 364 225 173 187 246 278 309 331 394 498 Household operations..................... 585 259 210 190 166 316 295 425 494 1,118 Personal services...................... 140 e/ 39 e/ 91 e/ 4 e/ 2 76 72 121 133 261 Other household expenses............... 445 220 119 186 164 240 222 304 361 857 Housekeeping supplies.................... 645 375 265 210 236 363 434 613 758 963 Laundry and cleaning supplies.......... 163 96 135 88 79 110 126 168 192 208 Other household products............... 319 217 92 87 123 162 204 289 401 482 Postage and stationery................. 163 62 37 35 35 91 104 156 165 274 Household furnishings and equipment...... 1,892 943 555 593 603 855 1,121 1,476 1,779 3,434 Household textiles..................... 145 125 28 65 46 39 74 100 136 274 Furniture.............................. 483 302 79 226 178 197 240 328 338 983 Floor coverings........................ 58 e/ 10 e/ 38 e/ 2 e/ 5 6 22 60 40 125 Major appliances....................... 218 e/ 120 113 70 99 143 126 164 234 354 Small appliances, miscellaneous housewares............................ 121 87 97 29 54 64 55 99 133 197 Miscellaneous household equipment...... 866 299 200 201 220 406 604 726 898 1,500 Apparel and services........................ 2,431 1,070 915 809 1,226 1,308 1,600 2,140 2,429 3,971 Men and boys............................. 639 214 145 180 304 272 355 434 712 1,127 Men, 16 and over....................... 534 174 93 139 243 220 275 360 613 952 Boys, 2 to 15.......................... 105 40 52 41 61 52 80 74 99 175 Women and girls.......................... 957 221 306 273 421 553 646 1,019 1,008 1,484 Women, 16 and over..................... 829 187 259 217 336 457 598 898 883 1,276 Girls, 2 to 15......................... 127 34 47 56 85 96 48 121 124 207 Children under 2......................... 68 e/ 69 38 e/ 30 47 29 67 69 74 90 Footwear................................. 436 e/ 403 318 e/ 182 268 277 352 425 385 629 Other apparel products and services...... 332 163 107 144 187 177 180 195 250 641 Transportation.............................. 9,358 4,316 3,122 4,571 5,635 5,953 7,802 8,128 10,014 13,951 Vehicle purchases (net outlay)........... 4,240 e/ 1,506 1,443 2,280 2,804 2,772 3,976 3,620 4,541 6,108 Cars and trucks, new................... 1,822 e/ 665 e/ 549 e/ 600 d/ 801 1,641 1,096 2,042 3,162 Cars and trucks, used.................. 2,370 e/ 736 878 1,653 2,804 1,951 2,265 2,524 2,386 2,905 Other vehicles......................... 48 e/ 105 e/ 16 e/ 27 d/ e/ 20 e/ 71 d/ 114 e/ 40 Gasoline and motor oil................... 1,609 934 608 891 1,013 1,142 1,355 1,558 1,789 2,205 Other vehicle expenses................... 3,038 1,661 921 1,219 1,552 1,809 2,234 2,711 3,246 4,742 Vehicle finance charges................ 422 176 91 135 206 246 339 418 492 628 Maintenance and repairs................ 876 456 341 437 524 585 647 790 878 1,336 Vehicle insurance...................... 1,046 716 342 428 575 719 914 1,017 1,160 1,467 Vehicle rental, leases, licenses, other charges.............................. 695 313 147 219 247 259 334 485 716 1,311 Public transportation.................... 471 215 150 181 265 230 236 239 438 896 Health care................................. 2,285 1,303 1,044 1,524 1,227 1,636 1,998 2,391 2,352 3,111 Health insurance......................... 1,000 658 512 565 496 770 848 1,047 1,076 1,334 Medical services......................... 716 307 258 377 369 348 550 773 679 1,124 Drugs.................................... 443 311 232 503 312 432 486 453 474 463 Medical supplies......................... 126 e/ 28 42 79 50 85 113 118 123 190 Entertainment............................... 2,288 1,249 730 878 898 1,113 1,353 1,742 2,499 3,892 Fees and admissions...................... 654 315 123 173 198 224 284 358 564 1,364 Television, radios, sound equipment...... 765 410 351 496 411 525 599 736 799 1,097 Pets, toys, and playground equipment..... 423 255 183 150 203 266 306 376 454 646 Other entertainment supplies, equipment,and services.................. 445 269 73 59 86 99 164 272 682 786 Personal care products and services......... 661 428 373 337 325 433 480 591 690 977 Reading..................................... 185 78 59 70 74 112 139 153 185 305 Education................................... 1,109 541 275 258 368 341 460 506 911 2,379 Tobacco products and smoking supplies....... 398 431 421 410 428 446 394 430 420 345 Miscellaneous............................... 1,024 511 755 419 341 658 882 1,027 1,109 1,449 Cash contributions.......................... 1,706 927 327 314 698 671 842 1,085 1,668 3,305 Personal insurance and pensions............. 6,332 502 386 1,117 1,582 2,404 3,411 4,798 6,265 12,422 Life and other personal insurance........ 543 258 108 351 212 264 300 403 525 966 Pensions and Social Security............. 5,789 244 277 766 1,370 2,139 3,112 4,396 5,740 11,455 Sources of income and personal taxes: a/ Money income before taxes.................. 60,050 -393 7,627 12,280 17,099 24,666 34,408 44,168 58,679 116,501 Wages and salaries....................... 52,473 1,629 2,429 6,679 12,357 19,332 30,213 38,998 54,103 102,302 Self-employment income................... 3,574 -3,183 114 402 653 1,269 1,401 2,335 1,756 8,793 Social Security, private and government retirement................... 1,859 313 2,840 3,144 2,609 2,427 1,302 1,627 1,397 1,872 Interest, dividends, rental income, other property income................... 1,043 42 e/ 101 409 270 219 586 408 558 2,462 Unemployment and workers'' compensation, veterans'' benefits..................... 223 e/ 145 315 181 104 426 194 300 196 173 Public assistance, supplemental security, income, food stamps..................... 372 479 1,550 1,102 680 497 214 137 244 191 Regular contributions for support........ 350 e/ 63 e/ 161 161 319 393 425 256 286 465 Other income............................. 156 e/ 118 e/ 117 203 e/ 107 102 72 107 140 242 Personal taxes............................. 4,663 529 8 82 474 759 1,884 2,564 3,936 10,733 Federal income taxes..................... 3,618 381 -65 -7 299 525 1,368 1,890 2,962 8,510 State and local income taxes............. 868 142 17 47 73 169 398 518 810 1,902 Other taxes.............................. 177 e/ 5 57 43 102 65 118 155 165 321 Income after taxes......................... 55,387 -922 7,619 12,198 16,625 23,907 32,523 41,604 54,743 105,768 Net change in total assets and liabilities... 512 85,772 6,581 1,091 -2,677 -1,739 -873 -1,684 -4,551 -2,420 Net change in total assets............... 8,006 86,177 9,005 4,291 -590 3,950 4,919 3,913 3,355 9,738 Net change in total liabilities.......... 7,494 405 2,424 3,201 2,087 5,689 5,792 5,598 7,905 12,158 Other financial information: Other money receipts..................... 530 e/ 429 e/ 896 e/ 118 e/ 527 490 207 750 395 692 Mortgage principal paid on owned property................................ -2,023 -1,022 -402 -419 -504 -733 -1,178 -1,395 -1,915 -3,919 Estimated market value of owned home..... 115,418 71,674 49,169 47,445 46,478 56,678 75,874 83,032 113,199 199,764 Estimated monthly rental value of owned home.................................... 795 449 285 349 399 454 587 636 794 1,293 Gifts of goods and services................. 1,778 640 509 674 685 760 945 1,116 1,660 3,379 Food..................................... 149 e/ 18 e/ 14 e/ 28 e/ 50 57 71 57 116 328 Alcoholic beverages...................... 18 e/ 59 e/ 10 e/ 17 c/ 7 20 e/ 6 11 29 Housing.................................. 414 139 85 123 158 183 250 272 477 727 Housekeeping supplies.................. 51 e/ 41 e/ 3 e/ 15 e/ 13 33 52 35 64 75 Household textiles..................... 22 e/ 1 e/ 1 e/ 15 e/ 2 e/ 7 9 e/ 10 24 45 Appliances and miscellaneous housewares........................... 41 e/ 5 e/ 25 e/ 8 e/ 12 15 13 39 51 68 Major appliances..................... 14 e/ 4 d/ e/ 2 e/ 4 e/ 4 7 10 10 30 Small appliances and miscellaneous housewares......................... 26 e/ 1 e/ 25 e/ 6 e/ 8 e/ 11 e/ 5 29 40 38 Miscellaneous household equipment...... 87 e/ 17 24 21 18 25 107 77 109 126 Other housing.......................... 213 e/ 76 32 65 114 103 70 111 229 412 Apparel and services..................... 353 117 147 129 202 143 211 278 344 610 Males, 2 and over...................... 99 e/ 41 e/ 18 e/ 30 86 61 61 82 93 163 Females, 2 and over.................... 150 e/ 21 e/ 22 e/ 16 62 35 73 108 148 293 Children under 2....................... 55 e/ 25 26 e/ 28 42 23 49 50 59 79 Other apparel products and services.... 50 e/ 30 e/ 80 e/ 56 e/ 12 24 29 37 45 75 Jewelry and watches.................. 16 e/ 11 e/ 1 e/ 8 e/ 9 8 16 13 17 23 All other apparel products and services............................ 34 e/ 19 e/ 79 e/ 48 e/ 3 e/ 16 e/ 12 e/ 23 28 52 Transportation........................... 105 16 11 7 19 161 17 154 54 184 Health care.............................. 43 e/ 15 e/ 4 e/ 31 e/ 10 e/ 25 e/ 16 20 29 94 Entertainment............................ 110 e/ 54 e/ 23 e/ 45 48 69 92 111 108 170 Toys, games, hobbies, and tricycles.... 36 e/ 4 e/ 14 e/ 11 e/ 23 32 36 36 45 43 Other entertainment.................... 74 50 e/ 8 e/ 34 25 36 56 74 63 127 Personal care products and services...... 27 e/ 15 e/ 18 e/ 70 e/ 10 9 5 25 40 34 Reading.................................. 2 c/ e/ 2 e/ 1 c/ 1 2 2 3 3 Education................................ 447 e/ 174 e/ 33 e/ 170 e/ 157 49 175 123 356 1,032 All other gifts.......................... 110 33 162 52 31 56 84 69 121 169 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.