Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 9,199 479 414 546 1,020 1,097 989 1,638 3,016 Income before taxes a/ ...................... $64,012 $4,234 $12,557 $17,442 $24,770 $34,611 $44,382 $59,353 $121,938 Income after taxes a/ ....................... 62,155 4,610 12,804 18,418 25,347 35,184 43,988 58,114 116,401 Age of the reference person.................. 40.7 39.0 39.5 37.4 38.4 40.5 39.5 40.5 43.0 Average number in consumer unit: Persons..................................... 5.6 5.6 5.6 5.7 5.7 5.7 5.7 5.5 5.5 Children under 18........................... 2.8 3.2 3.2 3.2 3.0 2.9 2.8 2.7 2.5 Persons 65 and over......................... .1 .1 .2 .1 .1 .2 .1 .1 .1 Earners..................................... 2.2 1.5 1.4 1.6 1.8 2.1 2.3 2.4 2.6 Vehicles.................................... 2.6 1.4 1.4 1.7 1.8 2.4 2.6 2.9 3.3 Percent distribution: Male........................................ 51 28 30 41 48 49 55 60 56 Female...................................... 49 72 70 59 52 51 45 40 44 Homeowner................................... 71 39 35 32 54 63 75 81 91 With mortgage.............................. 58 28 21 17 39 50 59 68 78 Without mortgage........................... 14 11 15 15 15 14 16 14 13 Renter...................................... 29 61 65 68 46 37 25 19 9 Black or African American................... 14 35 28 20 19 15 16 11 8 White, Asian, and All Other Races........... 86 65 72 80 81 85 84 89 92 Elementary (1-8)............................ 9 14 21 15 19 11 10 5 3 High school (9-12).......................... 42 56 55 56 54 53 46 45 24 College..................................... 49 31 22 27 26 35 43 50 73 Never attended and other.................... b/ c/ 1 3 1 b/ 1 b/ b/ At least one vehicle owned or leased........ 93 72 75 86 88 95 97 99 98 Average annual expenditures.................. $55,883 $30,443 $26,615 $32,030 $32,573 $40,365 $45,534 $54,756 $85,414 Food........................................ 8,452 6,753 5,913 5,902 6,662 6,843 7,017 8,167 11,163 Food at home............................. 5,256 4,830 4,820 4,015 4,853 4,633 4,654 4,769 6,343 Cereals and bakery products............ 801 673 749 595 705 697 730 755 972 Cereals and cereal products.......... 293 272 280 218 279 277 260 259 346 Bakery products...................... 508 401 470 377 426 420 470 495 626 Meats, poultry, fish, and eggs......... 1,413 1,320 1,394 1,153 1,564 1,327 1,345 1,223 1,558 Beef................................. 439 375 391 355 535 388 417 357 497 Pork................................. 280 294 251 249 343 293 309 245 268 Other meats.......................... 178 208 257 121 187 152 150 174 190 Poultry.............................. 264 224 259 267 257 262 260 221 296 Fish and seafood..................... 191 150 170 117 162 168 145 174 251 Eggs................................. 61 69 66 43 80 64 64 53 57 Dairy products......................... 566 512 503 380 505 482 524 514 699 Fresh milk and cream................. 245 251 251 182 251 225 229 232 268 Other dairy products................. 321 260 252 198 254 257 294 281 431 Fruits and vegetables.................. 861 877 739 645 826 783 661 761 1,052 Fresh fruits......................... 275 264 238 163 284 260 204 231 343 Fresh vegetables..................... 266 248 211 196 271 256 193 251 316 Processed fruits..................... 189 218 165 152 164 153 143 167 239 Processed vegetables................. 130 147 125 134 107 113 121 112 153 Other food at home..................... 1,616 1,449 1,435 1,242 1,253 1,345 1,393 1,516 2,062 Sugar and other sweets............... 200 158 146 166 151 171 178 183 261 Fats and oils........................ 137 132 140 106 135 131 123 130 154 Miscellaneous foods.................. 799 747 621 648 574 638 694 763 1,036 Nonalcoholic beverages............... 428 367 507 311 367 370 367 396 522 Food prepared by consumer unit on out-of-town trips................... 51 d/ 44 d/ 21 d/ 10 26 35 31 45 89 Food away from home.................... 3,196 1,923 1,093 1,886 1,809 2,210 2,363 3,398 4,820 Alcoholic beverages......................... 364 290 d/ 87 251 166 237 380 285 575 Housing..................................... 17,386 10,878 9,600 9,838 11,457 12,256 14,576 16,320 26,165 Shelter.................................. 9,953 6,488 5,853 5,552 6,403 7,126 8,254 9,142 15,091 Owned dwellings........................ 7,332 2,909 1,989 1,655 2,950 4,245 5,899 7,153 12,967 Mortgage interest and charges........ 4,753 1,831 1,314 1,071 1,949 2,826 3,810 4,612 8,390 Property taxes....................... 1,595 638 492 410 578 754 1,170 1,454 2,978 Maintenance, repairs, insurance,other expenses............................ 984 441 182 173 424 665 918 1,088 1,599 Rented dwellings....................... 2,176 3,360 3,752 3,803 3,408 2,759 2,134 1,670 1,137 Other lodging.......................... 446 219 d/ 112 d/ 94 45 122 222 319 987 Utilities, fuels, and public services.... 3,697 2,792 2,577 2,557 2,937 3,226 3,456 3,781 4,663 Natural gas............................ 501 356 393 300 360 386 540 448 682 Electricity............................ 1,375 1,144 1,061 1,042 1,154 1,270 1,279 1,436 1,626 Fuel oil and other fuels............... 115 d/ 73 d/ 22 d/ 87 75 107 89 140 152 Telephone services..................... 1,243 901 840 833 979 1,071 1,129 1,277 1,599 Water and other public services........ 462 318 260 295 369 392 421 479 604 Household operations..................... 962 243 236 402 431 381 664 773 1,869 Personal services...................... 554 d/ 102 d/ 142 204 293 174 417 451 1,073 Other household expenses............... 409 140 94 198 137 207 248 322 796 Housekeeping supplies.................... 733 526 342 493 504 489 586 717 1,061 Laundry and cleaning supplies.......... 223 173 147 204 217 185 180 238 260 Other household products............... 359 277 144 212 215 237 299 314 552 Postage and stationery................. 152 77 d/ 52 77 72 67 108 165 249 Household furnishings and equipment...... 2,039 829 592 835 1,183 1,034 1,615 1,906 3,481 Household textiles..................... 165 78 d/ 27 75 214 83 138 146 235 Furniture.............................. 524 205 236 104 325 284 347 493 918 Floor coverings........................ 54 d/ 7 d/ 2 d/ 25 10 d/ 6 8 33 134 Major appliances....................... 299 114 126 113 143 164 427 317 441 Small appliances, miscellaneous housewares............................ 111 53 19 59 70 62 109 91 182 Miscellaneous household equipment...... 887 373 181 460 421 434 585 827 1,570 Apparel and services........................ 3,026 2,749 1,567 2,273 1,900 2,010 2,399 2,697 4,471 Men and boys............................. 758 699 293 638 362 491 450 655 1,219 Men, 16 and over....................... 477 509 d/ 165 272 172 278 197 400 841 Boys, 2 to 15.......................... 281 190 129 366 190 213 253 254 378 Women and girls.......................... 1,095 651 446 511 701 657 970 1,003 1,702 Women, 16 and over..................... 715 464 137 264 408 430 546 624 1,191 Girls, 2 to 15......................... 381 188 309 247 293 227 424 380 512 Children under 2......................... 204 178 172 234 208 237 187 189 205 Footwear................................. 668 1,075 500 662 460 460 598 617 820 Other apparel products and services...... 301 145 156 227 169 164 194 233 523 Transportation.............................. 10,505 5,114 4,980 7,731 5,908 9,084 9,364 11,942 14,280 Vehicle purchases (net outlay)........... 4,884 2,450 2,467 4,591 2,728 4,794 4,417 5,709 6,121 Cars and trucks, new................... 1,888 d/ 1,079 d/ 245 d/ 1,664 d/ 180 d/ 1,180 d/ 902 2,278 3,228 Cars and trucks, used.................. 2,933 1,371 2,222 2,926 2,546 3,606 3,496 3,351 2,753 Other vehicles......................... 64 c/ c/ c/ d/ 2 d/ 8 d/ 19 d/ 80 d/ 141 Gasoline and motor oil................... 1,898 997 976 1,196 1,320 1,661 1,812 2,038 2,528 Other vehicle expenses................... 3,340 1,379 1,222 1,746 1,667 2,384 2,885 3,889 4,989 Vehicle finance charges................ 605 262 206 195 315 488 637 714 860 Maintenance and repairs................ 868 361 293 424 413 565 706 1,102 1,292 Vehicle insurance...................... 1,258 595 632 726 713 1,084 1,113 1,389 1,769 Vehicle rental, leases, licenses, other charges.............................. 609 161 90 402 226 247 428 684 1,068 Public transportation.................... 383 288 315 198 193 244 251 306 642 Health care................................. 2,414 775 1,073 1,216 1,260 1,847 2,174 2,870 3,497 Health insurance......................... 1,193 336 635 434 635 967 1,215 1,401 1,694 Medical services......................... 738 218 185 508 363 488 601 943 1,088 Drugs.................................... 374 176 111 238 218 319 274 402 550 Medical supplies......................... 110 d/ 45 d/ 142 d/ 34 44 74 84 123 166 Entertainment............................... 2,847 1,068 796 1,110 1,167 1,737 2,057 2,511 5,124 Fees and admissions...................... 754 198 180 160 147 265 450 586 1,603 Television, radios, sound equipment...... 908 537 381 483 553 687 832 946 1,321 Pets, toys, and playground equipment..... 491 203 133 245 262 394 459 562 712 Other entertainment supplies, equipment,and services.................. 694 130 103 221 205 390 317 418 1,488 Personal care products and services......... 739 443 405 503 424 526 557 653 1,149 Reading..................................... 126 41 39 49 44 57 90 117 234 Education................................... 1,208 663 312 436 242 489 635 723 2,590 Tobacco products and smoking supplies....... 414 259 370 391 396 558 499 496 330 Miscellaneous............................... 958 326 415 833 500 719 778 1,357 1,241 Cash contributions.......................... 1,568 640 390 274 540 898 944 1,121 3,151 Personal insurance and pensions............. 5,875 443 669 1,224 1,908 3,105 4,063 5,497 11,445 Life and other personal insurance........ 490 146 106 159 154 279 308 451 930 Pensions and Social Security............. 5,385 297 563 1,064 1,754 2,826 3,755 5,047 10,515 Sources of income and personal taxes: a/ Money income before taxes.................. 64,012 4,234 12,557 17,442 24,770 34,611 44,382 59,353 121,938 Wages and salaries....................... 57,262 3,122 6,690 12,644 20,747 30,048 39,126 54,140 110,773 Self-employment income................... 2,849 -1,357 d/ 304 d/ 369 363 1,203 2,275 2,021 6,394 Social Security, private and government retirement................... 1,805 699 1,846 1,333 1,657 1,837 1,097 1,513 2,490 Interest, dividends, rental income, other property income................... 493 -347 d/ 31 d/ 15 -2 190 263 237 1,269 Unemployment and workers'' compensation, veterans'' benefits..................... 329 d/ 86 d/ 248 d/ 129 215 351 334 461 373 Public assistance, supplemental security, income, food stamps..................... 710 1,445 2,617 2,215 1,169 739 548 342 145 Regular contributions for support........ 383 444 651 576 477 181 451 350 339 Other income............................. 181 d/ 141 d/ 170 d/ 162 144 62 288 288 154 Personal taxes............................. 1,857 -376 -247 -976 -577 -572 393 1,239 5,537 Federal income taxes..................... 1,169 -406 -254 -987 -636 -725 -31 586 4,014 State and local income taxes............. 493 -13 -13 1 12 90 326 396 1,149 Other taxes.............................. 195 d/ 43 d/ 20 10 46 62 99 257 374 Income after taxes......................... 62,155 4,610 12,804 18,418 25,347 35,184 43,988 58,114 116,401 Net change in total assets and liabilities... -13,386 -248 3,179 1,393 -5,671 -9,398 -15,816 -16,959 -21,744 Net change in total assets............... 11,292 8,836 6,754 6,001 4,235 5,279 2,173 11,100 20,931 Net change in total liabilities.......... 24,678 9,084 3,575 4,608 9,906 14,677 17,990 28,059 42,675 Other financial information: Other money receipts..................... 392 d/ 256 d/ 12 d/ 374 d/ 21 616 117 592 494 Mortgage principal paid on owned property................................ -2,266 -708 -774 -395 -743 -1,208 -1,126 -1,782 -4,595 Estimated market value of owned home..... 137,102 52,092 51,469 41,696 54,274 77,655 94,802 120,501 252,163 Estimated monthly rental value of owned home.................................... 871 356 314 282 399 551 702 846 1,480 Gifts of goods and services................. 870 554 468 693 305 533 463 791 1,482 Food..................................... 60 d/ 92 d/ 44 73 d/ 2 35 35 37 106 Alcoholic beverages...................... 20 d/ 28 c/ d/ 28 b/ d/ 12 d/ 6 d/ 8 38 Housing.................................. 225 117 115 94 94 164 193 258 337 Housekeeping supplies.................. 32 d/ 16 d/ 25 d/ 10 d/ 6 20 24 46 49 Household textiles..................... 9 d/ 3 d/ 1 c/ d/ 2 d/ 9 d/ 3 d/ 11 15 Appliances and miscellaneous housewares........................... 15 b/ b/ d/ 1 d/ 6 d/ 4 d/ 7 d/ 12 32 Major appliances..................... 1 c/ c/ c/ d/ 2 c/ c/ d/ 5 d/ 1 Small appliances and miscellaneous housewares......................... 14 b/ b/ d/ 1 d/ 4 d/ 4 d/ 7 d/ 8 31 Miscellaneous household equipment...... 62 d/ 17 d/ 4 d/ 13 20 35 58 82 100 Other housing.......................... 107 d/ 81 85 70 60 97 100 107 142 Apparel and services..................... 239 222 100 201 140 135 122 242 367 Males, 2 and over...................... 61 d/ 97 d/ 21 105 35 25 20 37 98 Females, 2 and over.................... 76 d/ 78 d/ 12 d/ 29 25 d/ 22 d/ 16 112 126 Children under 2....................... 70 d/ 35 d/ 53 66 66 70 71 70 80 Other apparel products and services.... 32 d/ 13 d/ 13 d/ 1 d/ 15 d/ 18 d/ 15 23 63 Jewelry and watches.................. 9 d/ 1 d/ 1 d/ 1 d/ 5 d/ 2 d/ 3 d/ 16 14 All other apparel products and services............................ 23 d/ 13 d/ 12 c/ d/ 10 d/ 16 d/ 12 d/ 7 49 Transportation........................... 22 d/ 7 d/ 19 c/ b/ 12 d/ 2 53 29 Health care.............................. 16 d/ -10 d/ 126 d/ 16 d/ 9 d/ 7 d/ 3 d/ 19 13 Entertainment............................ 75 d/ 15 d/ 19 d/ 19 d/ 31 d/ 60 30 44 153 Toys, games, hobbies, and tricycles.... 17 d/ 3 d/ 7 d/ 8 d/ 17 d/ 13 d/ 7 8 32 Other entertainment.................... 58 d/ 12 d/ 13 d/ 11 14 47 23 36 121 Personal care products and services...... 23 d/ 3 d/ 10 d/ 36 d/ 1 21 34 15 34 Reading.................................. 1 b/ c/ c/ c/ b/ c/ d/ 2 2 Education................................ 111 d/ 39 d/ 28 d/ 10 d/ 12 48 21 52 267 All other gifts.......................... 79 d/ 41 d/ 7 d/ 215 15 38 18 62 136 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.