Table 38. Consumer units of three persons 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)...... 14,738 315 485 813 779 1,820 1,744 1,437 2,615 4,731 Income before taxes a/ ...................... $61,469 $822 $7,880 $12,519 $17,593 $24,819 $34,666 $44,446 $59,029 $117,124 Income after taxes a/ ....................... 58,887 915 7,993 13,072 18,121 24,992 34,195 43,352 57,068 110,406 Age of the reference person.................. 43.9 39.2 41.0 43.3 43.1 43.3 44.2 43.3 43.7 45.0 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 1.2 1.3 1.1 1.0 .9 .8 .8 .7 .6 Persons 65 and over......................... .2 b/ .1 .2 .2 .3 .3 .2 .2 .2 .1 Earners..................................... 1.8 1.2 .9 1.1 1.4 1.4 1.7 1.8 1.9 2.1 Vehicles.................................... 2.4 1.3 1.0 1.3 1.5 1.8 2.1 2.4 2.7 3.0 Percent distribution: Male........................................ 49 27 25 26 30 37 49 51 57 60 Female...................................... 51 73 75 74 70 63 51 49 43 40 Homeowner................................... 69 39 33 40 41 51 60 68 77 90 With mortgage.............................. 51 24 14 14 25 32 39 50 58 74 Without mortgage........................... 18 15 19 26 16 19 21 18 20 16 Renter...................................... 31 61 67 60 59 49 40 32 23 10 Black or African American................... 15 37 37 31 23 23 14 16 10 7 White, Asian, and All Other Races........... 85 63 63 69 77 77 86 84 90 93 Elementary (1-8)............................ 5 6 11 11 12 9 6 5 2 1 High school (9-12).......................... 39 53 59 67 53 50 46 44 34 22 College..................................... 57 41 29 22 34 40 48 51 65 77 Never attended and other.................... c/ d/ c/ 1 1 c/ c/ c/ c/ d/ At least one vehicle owned or leased........ 93 67 65 73 83 91 94 96 99 98 Average annual expenditures.................. $49,916 $28,913 $21,112 $24,618 $27,516 $31,053 $36,880 $42,169 $50,899 $76,595 Food........................................ 6,568 5,790 4,786 4,612 4,535 4,693 5,993 6,127 6,796 8,612 Food at home............................. 3,835 3,758 3,349 3,373 3,257 3,134 3,584 3,646 3,949 4,494 Cereals and bakery products............ 536 481 447 529 482 428 496 533 547 621 Cereals and cereal products.......... 183 201 187 200 168 157 186 162 190 195 Bakery products...................... 353 280 259 329 314 271 310 371 357 426 Meats, poultry, fish, and eggs......... 1,000 980 1,013 1,050 872 850 960 871 1,063 1,107 Beef................................. 300 266 219 306 265 248 287 245 346 340 Pork................................. 204 255 259 243 226 176 186 181 204 208 Other meats.......................... 124 138 113 133 109 110 114 107 145 130 Poultry.............................. 177 160 163 197 140 164 163 164 180 199 Fish and seafood..................... 153 128 211 124 91 111 163 133 143 191 Eggs................................. 42 34 47 47 41 40 47 41 45 40 Dairy products......................... 408 395 316 306 341 346 391 418 422 475 Fresh milk and cream................. 155 149 134 129 144 149 153 170 155 164 Other dairy products................. 253 246 182 177 197 197 238 248 267 310 Fruits and vegetables.................. 651 679 506 545 535 552 623 618 632 784 Fresh fruits......................... 201 224 142 132 136 150 208 184 194 261 Fresh vegetables..................... 205 233 153 198 143 191 202 189 189 245 Processed fruits..................... 135 136 123 112 120 123 118 132 128 158 Processed vegetables................. 110 86 88 103 136 88 95 114 120 120 Other food at home..................... 1,240 1,223 1,067 943 1,026 958 1,113 1,206 1,284 1,508 Sugar and other sweets............... 139 132 118 126 108 123 108 136 142 170 Fats and oils........................ 102 94 90 95 92 86 96 99 111 111 Miscellaneous foods.................. 626 531 573 434 548 465 577 616 639 772 Nonalcoholic beverages............... 331 440 283 276 268 263 305 332 355 374 Food prepared by consumer unit on out-of-town trips................... 42 b/ 26 b/ 4 b/ 11 b/ 10 22 26 23 37 81 Food away from home.................... 2,733 2,032 1,437 1,239 1,278 1,559 2,409 2,481 2,847 4,118 Alcoholic beverages......................... 441 354 128 106 145 333 335 397 337 765 Housing..................................... 15,649 10,117 7,818 8,663 9,720 10,507 11,637 13,248 15,256 23,456 Shelter.................................. 8,966 5,708 4,542 4,827 5,555 5,852 6,581 7,419 8,524 13,700 Owned dwellings........................ 6,152 2,640 1,415 1,599 2,189 2,574 3,343 4,543 5,911 11,340 Mortgage interest and charges........ 3,708 1,657 859 699 1,148 1,539 1,922 2,831 3,659 6,861 Property taxes....................... 1,387 740 416 441 587 578 707 899 1,298 2,584 Maintenance, repairs, insurance,other expenses............................ 1,056 243 140 458 454 456 714 812 954 1,894 Rented dwellings....................... 2,302 2,686 3,074 3,169 3,264 3,132 3,056 2,655 2,210 1,238 Other lodging.......................... 511 b/ 382 b/ 53 59 102 146 182 221 403 1,122 Utilities, fuels, and public services.... 3,226 2,299 2,197 2,486 2,450 2,758 2,791 3,107 3,338 3,964 Natural gas............................ 406 288 245 357 297 323 347 355 404 527 Electricity............................ 1,162 909 984 1,003 936 1,066 1,032 1,186 1,192 1,323 Fuel oil and other fuels............... 112 b/ 58 b/ 28 b/ 52 85 105 132 100 94 146 Telephone services..................... 1,176 803 719 818 863 975 992 1,111 1,256 1,481 Water and other public services........ 371 240 221 256 269 289 288 355 392 487 Household operations..................... 1,040 293 208 347 455 507 672 781 1,081 1,787 Personal services...................... 568 b/ 123 145 203 319 302 412 501 673 867 Other household expenses............... 472 170 62 145 136 205 260 280 408 920 Housekeeping supplies.................... 642 674 308 427 422 437 449 702 638 903 Laundry and cleaning supplies.......... 173 185 144 135 155 127 165 155 173 214 Other household products............... 311 304 116 210 192 202 166 399 287 459 Postage and stationery................. 158 185 47 81 75 108 118 148 178 230 Household furnishings and equipment...... 1,775 1,144 564 576 837 954 1,145 1,239 1,675 3,102 Household textiles..................... 131 98 b/ 58 59 73 58 84 115 101 233 Furniture.............................. 452 92 153 134 133 237 265 289 500 788 Floor coverings........................ 49 b/ 24 b/ 2 b/ 14 b/ 7 10 14 18 24 121 Major appliances....................... 236 b/ 96 b/ 67 103 143 290 151 133 197 363 Small appliances, miscellaneous housewares............................ 128 192 31 46 59 51 96 75 96 243 Miscellaneous household equipment...... 779 642 253 221 422 308 535 608 758 1,353 Apparel and services........................ 2,214 2,280 1,294 1,802 1,783 1,301 1,960 1,721 2,157 3,140 Men and boys............................. 496 364 190 345 366 258 529 388 477 732 Men, 16 and over....................... 379 191 b/ 102 126 180 182 420 317 383 596 Boys, 2 to 15.......................... 117 172 88 219 186 77 110 71 94 135 Women and girls.......................... 887 1,147 474 690 744 565 729 705 911 1,224 Women, 16 and over..................... 734 991 392 553 462 408 541 577 805 1,062 Girls, 2 to 15......................... 154 157 83 137 282 157 189 128 107 162 Children under 2......................... 158 100 81 82 82 130 147 153 133 232 Footwear................................. 370 521 b/ 408 536 451 200 389 230 393 410 Other apparel products and services...... 302 147 141 150 140 148 165 245 242 542 Transportation.............................. 10,104 4,839 3,281 4,999 5,375 6,748 7,710 8,949 11,262 14,698 Vehicle purchases (net outlay)........... 5,003 b/ 2,228 b/ 1,571 2,833 2,714 3,321 3,655 4,307 5,846 7,178 Cars and trucks, new................... 2,289 b/ 289 b/ 804 b/ 436 b/ 900 858 1,091 1,164 2,632 4,264 Cars and trucks, used.................. 2,595 1,799 b/ 766 2,397 1,815 2,463 2,451 2,987 3,037 2,738 Other vehicles......................... 119 b/ 140 d/ d/ d/ d/ b/ 113 b/ 156 b/ 177 176 Gasoline and motor oil................... 1,589 867 658 887 1,074 1,233 1,455 1,496 1,710 2,084 Other vehicle expenses................... 3,108 1,475 881 1,144 1,445 1,979 2,366 2,907 3,351 4,694 Vehicle finance charges................ 530 236 146 132 204 283 432 501 668 776 Maintenance and repairs................ 815 488 238 315 439 609 600 780 882 1,179 Vehicle insurance...................... 1,142 602 333 547 629 833 971 1,120 1,226 1,590 Vehicle rental, leases, licenses, other charges.............................. 620 149 164 150 174 253 362 506 576 1,149 Public transportation.................... 404 268 170 134 141 214 234 239 355 742 Health care................................. 2,576 1,559 1,033 1,142 1,497 1,883 2,300 2,644 2,849 3,433 Health insurance......................... 1,315 927 498 499 820 957 1,224 1,351 1,468 1,722 Medical services......................... 648 247 209 189 307 351 534 697 718 958 Drugs.................................... 497 303 295 384 285 510 441 504 552 576 Medical supplies......................... 116 b/ 82 b/ 31 b/ 71 84 65 100 92 111 177 Entertainment............................... 2,366 1,288 848 864 1,118 1,318 1,367 1,776 2,438 3,991 Fees and admissions...................... 592 364 94 113 165 234 228 383 466 1,215 Television, radios, sound equipment...... 863 569 473 491 533 703 662 802 887 1,184 Pets, toys, and playground equipment..... 456 236 200 185 262 257 310 351 525 712 Other entertainment supplies, equipment,and services.................. 455 119 81 74 159 123 166 239 560 880 Personal care products and services......... 650 440 285 386 362 411 506 577 687 958 Reading..................................... 142 53 27 43 64 68 80 90 156 249 Education................................... 931 259 194 420 691 307 326 366 744 1,918 Tobacco products and smoking supplies....... 392 241 331 337 439 447 453 442 407 343 Miscellaneous............................... 803 247 473 350 295 512 706 730 979 1,119 Cash contributions.......................... 1,269 508 226 212 263 652 628 941 1,236 2,366 Personal insurance and pensions............. 5,812 937 387 682 1,230 1,872 2,879 4,160 5,592 11,548 Life and other personal insurance........ 519 356 96 122 139 262 308 381 461 955 Pensions and Social Security............. 5,293 581 291 560 1,092 1,611 2,571 3,779 5,131 10,594 Sources of income and personal taxes: a/ Money income before taxes.................. 61,469 822 7,880 12,519 17,593 24,819 34,666 44,446 59,029 117,124 Wages and salaries....................... 53,556 2,010 3,254 6,250 12,187 18,389 28,690 37,448 52,262 105,378 Self-employment income................... 2,147 -2,849 b/ 82 366 500 721 656 1,033 1,238 5,207 Social Security, private and government retirement................... 3,509 b/ 363 1,722 2,983 3,024 4,183 4,055 4,386 3,680 3,250 Interest, dividends, rental income, other property income................... 934 b/ 63 b/ 5 67 32 110 147 343 488 2,418 Unemployment and workers'' compensation, veterans'' benefits..................... 315 b/ 166 b/ 82 346 375 344 294 364 375 282 Public assistance, supplemental security, income, food stamps..................... 381 779 2,196 1,753 791 360 323 195 212 44 Regular contributions for support........ 497 181 401 524 474 597 435 589 651 397 Other income............................. 130 b/ 109 b/ 137 229 209 114 66 88 123 148 Personal taxes............................. 2,581 -93 -113 -552 -528 -173 471 1,094 1,961 6,718 Federal income taxes..................... 1,864 -118 -179 -536 -586 -345 216 662 1,346 5,131 State and local income taxes............. 555 b/ -24 4 -19 32 128 182 303 475 1,259 Other taxes.............................. 162 b/ 49 b/ 61 b/ 3 26 44 73 130 140 329 Income after taxes......................... 58,887 915 7,993 13,072 18,121 24,992 34,195 43,352 57,068 110,406 Net change in total assets and liabilities... -13,217 -13,915 -2,070 445 -9,679 -8,152 -3,001 -13,326 -10,221 -24,581 Net change in total assets............... 8,754 1,198 -478 2,922 -1,120 1,443 10,098 3,614 3,200 19,779 Net change in total liabilities.......... 21,972 15,114 1,591 2,477 8,560 9,595 13,098 16,940 13,421 44,361 Other financial information: Other money receipts..................... 634 b/ 33 b/ 100 b/ 51 b/ 83 217 318 264 349 1,466 Mortgage principal paid on owned property................................ -1,820 -1,012 -749 -293 -513 -623 -790 -1,311 -1,583 -3,587 Estimated market value of owned home..... 121,084 74,380 30,760 36,407 44,261 54,374 73,267 82,595 111,174 221,095 Estimated monthly rental value of owned home.................................... 788 399 249 318 315 417 514 620 770 1,334 Gifts of goods and services................. 1,237 881 397 463 749 385 645 806 1,127 2,321 Food..................................... 99 b/ 97 b/ 13 33 b/ 26 20 114 40 107 175 Alcoholic beverages...................... 18 b/ 15 b/ 8 b/ 11 b/ 5 b/ 13 b/ 11 b/ 9 14 32 Housing.................................. 297 434 98 126 190 125 128 248 272 514 Housekeeping supplies.................. 56 b/ 74 b/ 19 30 42 28 23 32 63 95 Household textiles..................... 17 b/ 23 d/ b/ 5 d/ b/ 2 b/ 4 b/ 30 10 33 Appliances and miscellaneous housewares........................... 26 b/ 17 b/ 15 b/ 4 b/ 14 b/ 9 15 b/ 43 32 36 Major appliances..................... 8 b/ 3 d/ d/ b/ 7 b/ 1 b/ 2 b/ 23 11 9 Small appliances and miscellaneous housewares......................... 18 b/ 15 b/ 15 b/ 4 b/ 7 b/ 8 b/ 13 b/ 21 20 27 Miscellaneous household equipment...... 73 b/ 157 b/ 14 b/ 22 b/ 84 28 35 68 57 121 Other housing.......................... 125 b/ 163 b/ 50 66 50 57 51 75 110 229 Apparel and services..................... 232 106 118 154 172 116 235 161 246 347 Males, 2 and over...................... 55 b/ 30 b/ 12 b/ 72 b/ 61 22 50 26 51 87 Females, 2 and over.................... 72 b/ 37 b/ 45 b/ 32 b/ 22 39 58 42 105 105 Children under 2....................... 61 b/ 24 b/ 43 38 33 43 57 60 53 88 Other apparel products and services.... 45 b/ 15 b/ 18 b/ 12 b/ 57 b/ 12 70 34 36 66 Jewelry and watches.................. 16 b/ 4 b/ 5 b/ 12 b/ 7 b/ 3 b/ 6 b/ 15 11 33 All other apparel products and services............................ 28 b/ 12 b/ 13 d/ b/ 50 b/ 8 b/ 64 b/ 19 b/ 25 34 Transportation........................... 41 26 b/ 24 2 b/ 35 9 9 21 67 66 Health care.............................. 43 b/ 33 b/ 62 b/ 8 b/ 11 b/ 4 25 b/ 36 40 78 Entertainment............................ 72 b/ 12 b/ 33 b/ 22 b/ 13 58 32 55 55 133 Toys, games, hobbies, and tricycles.... 27 b/ 3 b/ 18 b/ 10 b/ 7 15 14 25 23 49 Other entertainment.................... 44 b/ 9 b/ 16 b/ 13 b/ 7 43 18 29 32 84 Personal care products and services...... 32 b/ 4 b/ 17 b/ 22 b/ 2 5 26 48 46 42 Reading.................................. 1 d/ d/ d/ d/ d/ c/ b/ 1 1 2 Education................................ 323 b/ 124 b/ 5 b/ 21 b/ 291 b/ 15 24 90 183 805 All other gifts.......................... 80 b/ 29 18 64 b/ 3 21 41 99 97 128 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.5. d No data reported. n.a. Not applicable.