Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 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)...... 16,373 475 742 984 1,138 2,419 2,156 1,836 2,870 3,751 Income before taxes a/ ...................... $49,779 $1,547 $7,671 $12,430 $17,293 $24,784 $34,270 $44,165 $58,653 $104,878 Income after taxes a/ ....................... 47,665 1,826 8,020 12,771 17,642 24,596 33,202 42,547 56,235 98,723 Age of the reference person.................. 29.7 29.3 28.9 29.1 29.1 29.4 29.5 29.8 29.9 30.5 Average number in consumer unit: Persons..................................... 2.9 2.3 2.7 2.7 2.8 2.7 2.7 2.9 3.0 3.0 Children under 18........................... 1.1 1.0 1.3 1.3 1.3 1.2 1.1 1.0 1.1 .9 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.5 .9 .9 1.0 1.3 1.3 1.4 1.6 1.8 1.9 Vehicles.................................... 1.8 1.0 1.0 1.0 1.3 1.4 1.7 1.9 2.3 2.3 Percent distribution: Male........................................ 52 39 31 37 43 48 50 61 59 61 Female...................................... 48 61 69 63 57 52 50 39 41 39 Homeowner................................... 48 18 19 19 18 30 43 51 64 76 With mortgage.............................. 41 12 10 7 10 21 35 44 57 72 Without mortgage........................... 7 6 8 12 7 9 8 6 6 5 Renter...................................... 52 82 81 81 82 70 57 49 36 24 Black or African American................... 13 22 26 24 24 17 12 11 10 6 White, Asian, and All Other Races........... 87 78 74 76 76 83 88 89 90 94 Elementary (1-8)............................ 3 6 6 8 6 6 3 2 1 2 High school (9-12).......................... 31 41 47 44 44 42 35 32 25 14 College..................................... 65 53 46 47 50 51 62 66 73 85 Never attended and other.................... c/ 0 c/ c/ c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 90 73 71 72 82 86 93 94 97 96 Average annual expenditures.................. $42,239 $21,926 $21,114 $20,665 $24,580 $28,160 $33,986 $41,218 $49,124 $69,031 Food........................................ 5,610 4,516 3,791 4,187 4,237 4,330 4,964 5,534 5,783 7,982 Food at home............................. 3,126 2,913 2,450 2,854 2,657 2,715 3,082 3,213 2,915 3,914 Cereals and bakery products............ 439 383 330 470 381 379 421 458 422 533 Cereals and cereal products.......... 162 160 138 168 148 154 152 163 148 190 Bakery products...................... 277 223 192 302 233 225 269 295 274 342 Meats, poultry, fish, and eggs......... 804 819 735 769 687 765 813 798 690 974 Beef................................. 247 285 197 249 228 237 240 237 211 304 Pork................................. 157 165 155 140 149 155 157 168 135 176 Other meats.......................... 90 80 82 92 89 92 82 101 80 100 Poultry.............................. 153 108 146 138 112 144 165 144 135 194 Fish and seafood..................... 121 135 124 115 72 101 132 111 99 165 Eggs................................. 35 46 31 36 38 36 36 38 29 36 Dairy products......................... 332 330 242 284 296 275 327 387 309 404 Fresh milk and cream................. 132 140 105 102 137 131 124 146 120 149 Other dairy products................. 200 189 137 182 159 144 203 241 190 255 Fruits and vegetables.................. 524 486 355 490 452 489 492 502 480 678 Fresh fruits......................... 160 168 116 139 141 159 148 158 133 210 Fresh vegetables..................... 164 156 99 148 151 160 155 135 147 223 Processed fruits..................... 114 95 73 114 83 100 102 120 112 150 Processed vegetables................. 85 67 67 88 77 70 87 89 88 95 Other food at home..................... 1,027 894 789 841 841 806 1,029 1,068 1,014 1,325 Sugar and other sweets............... 108 95 95 119 91 89 104 118 106 127 Fats and oils........................ 79 88 66 83 78 72 78 79 77 86 Miscellaneous foods.................. 540 415 368 407 437 394 560 569 519 734 Nonalcoholic beverages............... 268 282 248 219 225 230 257 276 268 323 Food prepared by consumer unit on out-of-town trips................... 33 d/ 15 d/ 12 d/ 13 11 22 30 27 43 54 Food away from home.................... 2,484 1,603 1,341 1,333 1,580 1,616 1,882 2,322 2,869 4,068 Alcoholic beverages......................... 476 184 279 226 208 243 383 507 578 804 Housing..................................... 14,261 7,581 7,329 7,139 8,827 10,354 11,430 13,585 15,718 23,334 Shelter.................................. 8,689 4,740 4,226 4,365 5,281 6,247 7,095 8,177 9,469 14,388 Owned dwellings........................ 4,729 1,058 782 654 751 1,826 2,985 4,060 5,805 10,631 Mortgage interest and charges........ 3,291 737 482 325 445 1,260 1,952 2,742 4,085 7,551 Property taxes....................... 840 246 159 225 180 295 590 645 995 1,884 Maintenance, repairs, insurance,other expenses............................ 598 75 141 105 127 271 443 673 725 1,195 Rented dwellings....................... 3,680 3,631 3,355 3,660 4,429 4,337 3,979 3,921 3,407 3,025 Other lodging.......................... 280 d/ 51 d/ 89 d/ 51 101 84 130 196 258 732 Utilities, fuels, and public services.... 2,540 1,661 1,738 1,750 2,002 2,127 2,290 2,523 2,887 3,335 Natural gas............................ 304 174 153 211 227 248 252 304 344 434 Electricity............................ 883 608 701 679 787 794 830 889 984 1,044 Fuel oil and other fuels............... 61 d/ 57 d/ 22 d/ 55 d/ 38 40 57 51 56 102 Telephone services..................... 1,029 644 721 673 779 853 935 1,014 1,193 1,357 Water and other public services........ 263 177 141 131 171 192 216 266 309 398 Household operations..................... 936 172 410 287 310 631 566 763 1,132 1,840 Personal services...................... 653 116 215 180 193 477 369 532 807 1,292 Other household expenses............... 282 57 195 108 117 154 197 231 326 548 Housekeeping supplies.................... 457 436 296 242 466 312 354 400 507 684 Laundry and cleaning supplies.......... 143 137 119 99 231 125 121 126 125 178 Other household products............... 206 232 94 106 162 121 144 165 238 352 Postage and stationery................. 108 d/ 68 83 37 73 66 90 109 144 154 Household furnishings and equipment...... 1,638 572 660 496 769 1,036 1,126 1,722 1,722 3,087 Household textiles..................... 130 d/ 22 42 35 66 86 73 239 113 222 Furniture.............................. 511 111 308 155 169 303 288 469 612 1,006 Floor coverings........................ 32 d/ 21 d/ 8 d/ 11 d/ 23 16 10 27 18 80 Major appliances....................... 198 d/ 61 48 49 89 255 216 174 198 278 Small appliances, miscellaneous housewares............................ 94 37 25 27 59 71 94 77 87 172 Miscellaneous household equipment...... 673 320 229 217 363 305 446 737 694 1,329 Apparel and services........................ 2,035 1,894 884 1,323 1,266 1,250 1,885 1,990 2,185 3,219 Men and boys............................. 450 263 169 221 283 238 424 432 461 790 Men, 16 and over....................... 328 d/ 122 d/ 77 76 126 134 288 335 356 647 Boys, 2 to 15.......................... 123 142 92 145 156 104 136 97 105 143 Women and girls.......................... 688 694 279 502 361 439 684 590 784 1,063 Women, 16 and over..................... 539 590 197 398 208 328 563 422 616 874 Girls, 2 to 15......................... 148 104 82 104 153 111 121 168 169 189 Children under 2......................... 189 107 101 140 136 109 195 175 156 326 Footwear................................. 388 682 d/ 183 336 310 212 390 451 460 467 Other apparel products and services...... 320 148 152 125 177 252 191 342 325 573 Transportation.............................. 8,536 3,430 4,777 3,833 4,316 5,529 6,727 8,788 11,025 13,394 Vehicle purchases (net outlay)........... 4,254 d/ 1,143 2,606 1,908 1,808 2,588 3,062 4,365 5,859 6,807 Cars and trucks, new................... 1,816 d/ 92 d/ 476 d/ 371 d/ 489 738 1,190 1,459 2,437 3,835 Cars and trucks, used.................. 2,341 863 2,129 1,537 1,319 1,848 1,819 2,852 3,218 2,789 Other vehicles......................... 97 d/ 188 e/ e/ e/ d/ 1 d/ 54 d/ 54 d/ 204 184 Gasoline and motor oil................... 1,351 796 757 723 968 1,087 1,280 1,417 1,606 1,802 Other vehicle expenses................... 2,559 1,254 1,160 1,043 1,330 1,604 2,153 2,688 3,169 4,091 Vehicle finance charges................ 513 182 175 146 175 306 450 518 690 851 Maintenance and repairs................ 620 571 450 292 344 439 541 720 681 897 Vehicle insurance...................... 908 305 422 443 587 648 872 991 1,140 1,272 Vehicle rental, leases, licenses, other charges.............................. 518 196 112 162 223 212 290 460 659 1,070 Public transportation.................... 373 237 254 158 211 250 231 318 390 694 Health care................................. 1,487 479 650 506 762 911 1,360 1,733 2,083 2,127 Health insurance......................... 799 218 279 196 372 453 783 935 1,081 1,213 Medical services......................... 410 81 175 146 244 287 318 463 660 534 Drugs.................................... 218 146 144 134 111 138 213 269 269 286 Medical supplies......................... 60 d/ 34 53 30 35 34 46 66 72 94 Entertainment............................... 2,090 904 838 835 1,124 1,243 1,600 1,900 2,528 3,688 Fees and admissions...................... 460 216 140 157 195 209 277 409 513 965 Television, radios, sound equipment...... 794 389 443 447 517 596 692 827 879 1,192 Pets, toys, and playground equipment..... 413 225 167 136 227 264 332 377 550 668 Other entertainment supplies, equipment,and services.................. 423 72 89 95 185 175 299 287 586 863 Personal care products and services......... 521 435 233 305 413 408 446 493 533 800 Reading..................................... 106 46 51 58 55 70 91 92 115 184 Education................................... 619 1,248 877 400 780 352 428 530 566 862 Tobacco products and smoking supplies....... 317 184 277 347 424 340 334 428 305 232 Miscellaneous............................... 667 289 300 384 357 492 535 701 949 912 Cash contributions.......................... 796 551 358 322 392 595 685 875 939 1,207 Personal insurance and pensions............. 4,717 184 469 800 1,418 2,042 3,118 4,060 5,816 10,288 Life and other personal insurance........ 220 d/ 33 86 54 112 107 136 202 275 437 Pensions and Social Security............. 4,497 151 383 745 1,306 1,936 2,982 3,858 5,541 9,851 Sources of income and personal taxes: a/ Money income before taxes.................. 49,779 1,547 7,671 12,430 17,293 24,784 34,270 44,165 58,653 104,878 Wages and salaries....................... 46,825 1,269 4,529 9,182 14,938 22,504 32,549 41,839 56,277 99,619 Self-employment income................... 1,269 -956 d/ -9 d/ 142 280 491 469 910 1,237 3,562 Social Security, private and government retirement................... 366 d/ 98 767 616 d/ 297 308 402 596 159 339 Interest, dividends, rental income, other property income................... 246 -49 d/ 9 7 45 110 101 158 77 796 Unemployment and workers'' compensation, veterans'' benefits..................... 256 d/ 76 d/ 56 313 257 421 174 236 268 245 Public assistance, supplemental security, income, food stamps..................... 315 526 1,518 1,322 705 442 133 d/ 56 74 d/ 2 Regular contributions for support........ 340 361 531 546 620 355 290 256 378 191 Other income............................. 163 d/ 222 270 302 151 153 151 114 182 124 Personal taxes............................. 2,115 -279 -349 -342 -349 187 1,067 1,618 2,418 6,154 Federal income taxes..................... 1,484 -273 -355 -386 -468 2 720 1,090 1,694 4,583 State and local income taxes............. 545 -26 11 30 101 156 302 457 627 1,364 Other taxes.............................. 85 d/ 19 d/ -5 15 18 29 46 71 97 207 Income after taxes......................... 47,665 1,826 8,020 12,771 17,642 24,596 33,202 42,547 56,235 98,723 Net change in total assets and liabilities... -15,202 2,310 -5,455 2,019 -560 -3,903 -1,989 -12,477 -12,782 -46,380 Net change in total assets............... 12,342 2,104 93 4,232 1,107 4,269 11,056 9,415 14,521 27,312 Net change in total liabilities.......... 27,544 -206 5,548 2,213 1,667 8,173 13,045 21,893 27,303 73,691 Other financial information: Other money receipts..................... 211 d/ 33 d/ 188 69 140 170 208 137 346 259 Mortgage principal paid on owned property................................ -984 -271 -224 -77 -113 -399 -644 -727 -1,130 -2,313 Estimated market value of owned home..... 74,500 23,347 14,893 15,611 12,355 26,716 50,145 58,971 89,855 167,758 Estimated monthly rental value of owned home.................................... 524 168 114 132 110 207 379 482 642 1,096 Gifts of goods and services................. 682 488 221 382 411 484 561 731 852 1,003 Food..................................... 31 d/ 29 d/ 5 d/ 28 12 25 32 18 46 44 Alcoholic beverages...................... 20 d/ 12 d/ 6 c/ d/ 8 d/ 3 d/ 11 28 35 34 Housing.................................. 194 100 100 102 154 176 164 195 250 243 Housekeeping supplies.................. 38 d/ 22 d/ 19 d/ 10 49 24 17 27 66 52 Household textiles..................... 12 d/ 7 d/ 28 d/ 2 d/ 1 d/ 23 d/ 8 d/ 15 13 8 Appliances and miscellaneous housewares........................... 15 e/ d/ 3 d/ 4 d/ 4 d/ 11 d/ 12 d/ 25 18 22 Major appliances..................... 2 e/ d/ 2 d/ 1 d/ 2 d/ 1 d/ 1 d/ 2 d/ 4 d/ 2 Small appliances and miscellaneous housewares......................... 13 e/ d/ 1 d/ 3 d/ 1 d/ 10 d/ 10 d/ 23 14 20 Miscellaneous household equipment...... 49 d/ 20 d/ 1 25 58 35 43 40 61 73 Other housing.......................... 80 d/ 50 49 62 42 84 83 88 92 88 Apparel and services..................... 234 225 56 143 157 158 169 267 276 361 Males, 2 and over...................... 44 d/ 33 d/ 6 d/ 29 45 21 26 55 34 82 Females, 2 and over.................... 75 99 d/ 30 d/ 40 31 19 58 49 103 142 Children under 2....................... 56 d/ 30 d/ 19 d/ 71 66 28 53 54 49 86 Other apparel products and services.... 60 d/ 63 d/ 1 d/ 3 d/ 15 90 33 109 91 50 Jewelry and watches.................. 42 d/ 37 d/ 1 d/ 3 d/ 4 78 8 95 66 24 All other apparel products and services............................ 19 d/ 26 e/ e/ d/ 11 d/ 11 d/ 25 d/ 14 d/ 26 d/ 26 Transportation........................... 34 d/ 12 9 71 d/ 3 3 19 18 28 82 Health care.............................. 10 d/ 2 d/ 2 d/ 2 d/ 3 d/ 6 d/ 9 d/ 8 d/ 9 d/ 20 Entertainment............................ 62 d/ 20 d/ 26 d/ 16 26 78 47 66 88 74 Toys, games, hobbies, and tricycles.... 24 d/ 3 d/ 17 d/ 5 16 18 24 18 34 33 Other entertainment.................... 39 d/ 17 d/ 8 d/ 12 10 60 24 48 54 41 Personal care products and services...... 16 d/ 66 d/ 2 e/ d/ 6 5 28 20 20 15 Reading.................................. 1 e/ e/ e/ e/ c/ 1 1 c/ 1 Education................................ 30 d/ 9 d/ 1 d/ 6 d/ 24 d/ 10 49 87 24 24 All other gifts.......................... 50 d/ 13 14 13 19 21 32 24 76 104 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 Data are likely to have large sampling errors. e No data reported. n.a. Not applicable.