Table 25. Consumer units with reference person under age 25 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 complete than to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over Number of consumer units (in thousands)...... 7,239 1,555 1,333 911 702 1,010 674 1,052 Income before taxes a/ ...................... $20,726 $2,518 $7,227 $12,108 $17,266 $24,224 $33,837 $62,756 Income after taxes a/ ....................... 20,233 2,524 7,211 12,303 17,257 23,797 32,821 60,273 Age of the reference person.................. 21.3 20.2 20.8 21.5 21.7 21.8 22.3 22.4 Average number in consumer unit: Persons..................................... 1.9 1.2 1.4 1.7 2.1 2.3 2.4 2.6 Children under 18........................... .4 .1 .2 .4 .5 .6 .5 .5 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.3 1.0 1.0 1.2 1.3 1.4 1.6 2.0 Vehicles.................................... 1.2 .5 .7 1.0 1.3 1.5 1.6 2.1 Percent distribution: Male........................................ 48 48 47 46 45 47 49 53 Female...................................... 52 52 53 54 55 53 51 47 Homeowner................................... 14 5 8 7 15 16 23 36 With mortgage.............................. 8 1 2 2 8 9 15 29 Without mortgage........................... 6 4 5 6 7 7 8 7 Renter...................................... 86 95 92 93 85 84 77 64 Black or African American................... 10 8 12 14 10 9 10 8 White, Asian, and All Other Races........... 90 92 88 86 90 91 90 92 Elementary (1-8)............................ 2 1 2 2 3 4 3 2 High school (9-12).......................... 31 18 25 35 36 39 36 37 College..................................... 67 81 73 63 61 56 61 62 Never attended and other.................... c/ d/ d/ d/ d/ c/ d/ c/ At least one vehicle owned or leased........ 74 48 60 74 83 90 91 96 Average annual expenditures.................. $24,327 $12,343 $15,866 $19,625 $24,311 $26,990 $32,605 $47,049 Food........................................ 3,581 2,262 2,619 2,586 3,477 3,819 4,216 6,104 Food at home............................. 1,825 940 1,220 1,478 1,974 2,132 2,031 3,126 Cereals and bakery products............ 266 142 186 200 288 316 274 463 Cereals and cereal products.......... 103 55 85 80 114 111 110 168 Bakery products...................... 163 87 101 120 174 205 164 294 Meats, poultry, fish, and eggs......... 419 180 240 318 445 478 512 796 Beef................................. 127 52 69 96 129 146 158 251 Pork................................. 84 35 62 59 94 91 110 150 Other meats.......................... 49 22 29 34 52 61 66 83 Poultry.............................. 83 38 41 76 87 100 80 159 Fish and seafood..................... 53 e/ 25 26 40 56 53 69 109 Eggs................................. 23 8 12 14 27 26 30 44 Dairy products......................... 197 95 148 151 213 223 224 338 Fresh milk and cream................. 81 36 55 63 95 88 95 143 Other dairy products................. 116 59 93 88 118 135 129 195 Fruits and vegetables.................. 304 157 185 227 290 355 366 559 Fresh fruits......................... 89 44 57 60 80 109 103 170 Fresh vegetables..................... 96 41 45 62 86 114 122 202 Processed fruits..................... 72 51 51 59 75 83 81 109 Processed vegetables................. 47 22 33 46 49 48 60 78 Other food at home..................... 639 366 461 583 738 760 655 970 Sugar and other sweets............... 64 39 57 40 72 70 75 96 Fats and oils........................ 45 16 36 34 49 52 49 80 Miscellaneous foods.................. 344 191 262 314 386 414 332 530 Nonalcoholic beverages............... 166 110 90 165 200 208 175 240 Food prepared by consumer unit on out-of-town trips................... 20 10 16 30 32 17 25 23 Food away from home.................... 1,756 1,321 1,399 1,108 1,502 1,687 2,185 2,979 Alcoholic beverages......................... 481 233 242 381 453 480 600 1,006 Housing..................................... 7,445 3,670 4,976 6,146 8,083 8,621 10,150 13,714 Shelter.................................. 4,787 2,591 3,465 4,004 5,278 5,387 6,487 8,395 Owned dwellings........................ 789 150 248 201 612 636 1,329 2,845 Mortgage interest and charges........ 445 e/ 44 e/ 80 e/ 72 388 331 806 1,742 Property taxes....................... 244 98 140 84 179 165 335 793 Maintenance, repairs, insurance,other expenses............................ 100 e/ 9 e/ 28 e/ 46 e/ 45 141 188 311 Rented dwellings....................... 3,680 1,994 2,789 3,473 4,408 4,598 5,042 5,242 Other lodging.......................... 318 447 429 330 258 153 116 308 Utilities, fuels, and public services.... 1,370 537 875 1,235 1,491 1,687 2,057 2,517 Natural gas............................ 114 28 60 96 157 130 184 236 Electricity............................ 475 161 316 434 606 614 729 790 Fuel oil and other fuels............... 23 e/ 13 e/ 6 e/ 38 e/ 16 e/ 16 e/ 49 41 Telephone services..................... 649 313 444 546 599 821 909 1,195 Water and other public services........ 109 22 49 121 112 107 185 256 Household operations..................... 220 54 81 198 202 329 325 497 Personal services...................... 119 e/ 1 e/ 7 126 108 223 205 279 Other household expenses............... 101 53 74 73 94 106 120 218 Housekeeping supplies.................... 238 105 134 180 361 266 238 429 Laundry and cleaning supplies.......... 80 26 41 52 149 91 76 149 Other household products............... 97 43 54 62 150 134 79 171 Postage and stationery................. 61 36 39 66 62 41 84 109 Household furnishings and equipment...... 830 382 422 529 751 951 1,043 1,875 Household textiles..................... 73 15 32 21 92 188 60 105 Furniture.............................. 192 56 108 189 185 211 266 443 Floor coverings........................ 9 4 8 e/ 8 e/ 7 5 25 12 Major appliances....................... 79 17 43 73 21 95 153 182 Small appliances, miscellaneous housewares............................ 57 37 29 16 55 65 64 126 Miscellaneous household equipment...... 421 254 202 221 390 386 474 1,008 Apparel and services........................ 1,310 554 792 1,349 1,217 1,118 1,773 2,656 Men and boys............................. 265 127 237 180 270 181 396 514 Men, 16 and over....................... 232 122 222 116 194 156 365 463 Boys, 2 to 15.......................... 33 e/ 5 15 63 76 24 31 51 Women and girls.......................... 537 253 293 701 395 437 627 1,104 Women, 16 and over..................... 496 249 284 673 345 390 592 983 Girls, 2 to 15......................... 41 e/ 4 9 28 50 47 35 121 Children under 2......................... 103 41 31 90 153 149 147 160 Footwear................................. 231 e/ 59 e/ 109 221 271 165 358 504 Other apparel products and services...... 174 75 122 157 129 186 246 375 Transportation.............................. 5,161 1,695 2,668 3,975 5,597 6,619 7,775 11,084 Vehicle purchases (net outlay)........... 2,608 556 1,172 2,016 3,219 3,518 4,150 5,702 Cars and trucks, new................... 931 e/ 142 e/ 382 e/ 953 e/ 737 e/ 821 2,085 2,271 Cars and trucks, used.................. 1,647 413 788 1,044 2,482 2,697 2,065 3,248 Other vehicles......................... e/ 29 c/ e/ 1 e/ 19 d/ d/ d/ e/ 183 Gasoline and motor oil................... 958 493 662 857 985 1,170 1,285 1,678 Other vehicle expenses................... 1,381 475 625 978 1,235 1,776 2,057 3,292 Vehicle finance charges................ 233 29 66 130 172 297 477 661 Maintenance and repairs................ 388 192 243 372 335 518 492 708 Vehicle insurance...................... 512 145 189 365 485 726 802 1,220 Vehicle rental, leases, licenses, other charges.............................. 247 109 128 112 243 234 287 703 Public transportation.................... 214 171 209 123 158 156 282 412 Health care................................. 619 173 204 438 571 895 800 1,586 Health insurance......................... 289 70 49 224 264 410 443 772 Medical services......................... 170 37 60 103 93 251 214 507 Drugs.................................... 125 51 65 85 174 192 117 230 Medical supplies......................... 35 e/ 14 31 25 e/ 40 42 26 77 Entertainment............................... 1,150 600 929 884 1,039 1,264 1,541 2,114 Fees and admissions...................... 292 228 287 225 294 224 356 473 Television, radios, sound equipment...... 487 241 374 414 468 604 674 838 Pets, toys, and playground equipment..... 183 55 73 149 151 198 287 425 Other entertainment supplies, equipment,and services.................. 188 76 196 97 126 238 225 378 Personal care products and services......... 337 174 239 457 262 329 367 585 Reading..................................... 57 43 48 54 44 66 65 89 Education................................... 1,637 2,428 2,122 1,969 1,524 923 957 765 Tobacco products and smoking supplies....... 270 122 189 247 359 352 423 373 Miscellaneous............................... 345 123 253 163 302 375 684 691 Cash contributions.......................... 333 108 167 210 206 348 530 928 Personal insurance and pensions............. 1,602 158 418 767 1,177 1,781 2,722 5,352 Life and other personal insurance........ 48 e/ 5 e/ 19 e/ 34 35 62 75 141 Pensions and Social Security............. 1,554 154 399 733 1,142 1,719 2,647 5,211 Sources of income and personal taxes: a/ Money income before taxes.................. 20,726 2,518 7,227 12,108 17,266 24,224 33,837 62,756 Wages and salaries....................... 18,284 1,947 5,058 9,011 13,846 21,062 31,252 59,205 Self-employment income................... 448 e/ -66 e/ 57 e/ 204 e/ 124 e/ 327 e/ 322 2,327 Social Security, private and government retirement................... 189 e/ 19 e/ 144 e/ 214 e/ 295 348 e/ 453 e/ 80 Interest, dividends, rental income, other property income................... 109 36 44 142 160 130 106 216 Unemployment and workers'' compensation, veterans'' benefits..................... 77 e/ 5 e/ 15 e/ 29 e/ 92 86 258 170 Public assistance, supplemental security, income, food stamps..................... 265 94 508 480 236 246 e/ 112 158 Regular contributions for support........ 800 286 792 1,333 1,203 1,175 937 394 Other income............................. 554 198 608 695 1,309 849 398 205 Personal taxes............................. 493 -5 16 -195 8 426 1,016 2,483 Federal income taxes..................... 331 -8 -7 -220 -76 253 664 1,871 State and local income taxes............. 146 2 19 18 78 158 315 559 Other taxes.............................. 16 e/ 1 4 e/ 7 e/ 7 15 37 53 Income after taxes......................... 20,233 2,524 7,211 12,303 17,257 23,797 32,821 60,273 Net change in total assets and liabilities... -5 663 3,118 -1,619 1,549 256 4,215 -7,544 Net change in total assets............... 4,699 791 2,804 1,156 5,119 4,406 11,020 11,901 Net change in total liabilities.......... 4,705 127 -314 2,774 3,571 4,150 6,805 19,445 Other financial information: Other money receipts..................... 124 114 110 192 140 88 e/ 83 146 Mortgage principal paid on owned property................................ -144 e/ -15 e/ -25 e/ -20 -101 -153 -258 -538 Estimated market value of owned home..... 14,570 5,769 5,371 5,405 13,895 12,569 26,050 42,190 Estimated monthly rental value of owned home.................................... 121 52 57 47 93 111 200 346 Gifts of goods and services................. 403 185 336 317 496 305 650 670 Food..................................... 27 e/ 8 e/ 17 e/ 15 e/ 15 e/ 4 e/ 80 66 Alcoholic beverages...................... 14 c/ e/ 15 e/ 4 e/ 14 e/ 20 e/ 9 31 Housing.................................. 96 53 71 82 153 79 108 157 Housekeeping supplies.................. 23 e/ 11 e/ 14 e/ 20 e/ 65 16 e/ 21 32 Household textiles..................... 2 e/ 1 d/ e/ 3 e/ 1 c/ e/ 6 e/ 5 Appliances and miscellaneous housewares........................... 14 e/ 2 e/ 1 e/ 4 e/ 12 e/ 15 e/ 7 e/ 55 Major appliances..................... e/ 1 d/ d/ e/ 3 e/ 1 e/ 1 d/ e/ 1 Small appliances and miscellaneous housewares......................... 14 e/ 2 e/ 1 c/ e/ 12 e/ 14 e/ 7 e/ 54 Miscellaneous household equipment...... 21 9 21 18 30 23 e/ 14 32 Other housing.......................... 36 30 35 38 44 e/ 25 61 33 Apparel and services..................... 158 38 143 102 257 106 313 242 Males, 2 and over...................... 47 e/ 9 58 e/ 12 108 e/ 17 94 65 Females, 2 and over.................... 28 e/ 9 e/ 41 e/ 17 e/ 39 32 e/ 8 49 Children under 2....................... 34 e/ 9 6 23 50 37 66 67 Other apparel products and services.... 49 e/ 11 e/ 37 e/ 51 e/ 60 e/ 20 e/ 145 62 Jewelry and watches.................. 23 e/ 10 e/ 37 e/ 29 e/ 6 e/ 6 e/ 44 e/ 31 All other apparel products and services............................ 26 e/ 1 d/ e/ 21 e/ 54 e/ 14 e/ 101 e/ 31 Transportation........................... 10 4 4 e/ 42 d/ e/ 1 e/ 6 21 Health care.............................. e/ 2 e/ 2 e/ 1 d/ c/ e/ 2 e/ 4 e/ 9 Entertainment............................ 38 21 30 e/ 19 37 e/ 66 52 47 Toys, games, hobbies, and tricycles.... 9 6 6 e/ 8 e/ 7 e/ 7 e/ 14 18 Other entertainment.................... 29 15 23 e/ 12 30 e/ 59 38 28 Personal care products and services...... 11 e/ 6 e/ 26 e/ 5 e/ 3 e/ 5 e/ 20 e/ 9 Reading.................................. c/ c/ c/ c/ d/ c/ d/ e/ 1 Education................................ 23 41 e/ 17 e/ 42 e/ 7 e/ 3 e/ 16 e/ 25 All other gifts.......................... 23 12 13 5 9 18 40 64 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.