Table 37. Consumer units of two 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)...... 29,760 784 1,162 1,900 2,391 4,360 3,647 3,213 4,727 7,576 Income before taxes a/ ...................... $54,404 $308 $7,899 $12,646 $17,472 $24,535 $34,548 $44,584 $59,237 $117,163 Income after taxes a/ ....................... 51,157 145 7,982 12,761 17,407 22,316 33,381 42,756 56,360 108,816 Age of the reference person.................. 52.9 46.9 51.4 56.1 59.3 58.3 54.1 52.3 50.3 49.1 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .3 .2 .1 .1 .1 .1 .1 b/ Persons 65 and over......................... .5 .4 .5 .7 .9 .9 .6 .4 .3 .2 Earners..................................... 1.3 .9 .7 .7 .7 .9 1.2 1.4 1.5 1.7 Vehicles.................................... 2.2 1.5 1.3 1.5 1.7 1.9 2.2 2.3 2.5 2.7 Percent distribution: Male........................................ 56 42 35 43 50 55 55 55 59 64 Female...................................... 44 58 65 57 50 45 45 45 41 36 Homeowner................................... 74 53 56 56 68 70 72 74 78 87 With mortgage.............................. 39 21 15 12 20 25 30 41 51 62 Without mortgage........................... 35 32 41 43 49 45 42 32 27 24 Renter...................................... 26 47 44 44 32 30 28 26 22 13 Black or African American................... 9 24 24 16 13 10 9 7 6 5 White, Asian, and All Other Races ......... 91 76 76 84 87 90 91 93 94 95 Elementary (1-8)............................ 5 6 10 15 16 10 4 3 1 c/ High school (9-12).......................... 37 40 52 52 47 48 48 39 35 18 College..................................... 57 54 37 33 36 42 47 57 64 82 Never attended and other.................... c/ d/ 1 c/ c/ c/ c/ c/ c/ d/ At least one vehicle owned or leased........ 94 75 73 81 89 92 97 98 98 98 Average annual expenditures.................. $44,938 $25,012 $20,369 $22,693 $24,893 $30,425 $35,523 $40,860 $49,595 $74,454 Food........................................ 5,647 3,936 3,347 3,658 3,700 4,625 4,931 5,344 6,153 8,073 Food at home............................. 3,186 2,572 2,277 2,661 2,416 2,954 3,109 3,208 3,407 3,801 Cereals and bakery products............ 442 421 312 379 370 438 436 449 438 507 Cereals and cereal products.......... 143 144 108 138 127 142 141 149 132 161 Bakery products...................... 298 277 204 241 243 296 295 300 306 346 Meats, poultry, fish, and eggs......... 815 667 597 701 598 780 771 809 941 934 Beef................................. 248 168 164 203 169 227 221 262 346 266 Pork................................. 175 149 134 166 128 204 176 167 172 188 Other meats.......................... 97 66 79 100 74 95 93 95 107 107 Poultry.............................. 136 149 104 108 99 133 122 135 150 161 Fish and seafood..................... 123 99 81 87 90 83 120 113 135 174 Eggs................................. 37 35 36 36 38 38 39 37 31 37 Dairy products......................... 334 233 247 276 265 321 323 374 338 388 Fresh milk and cream................. 121 78 107 123 109 130 118 131 116 124 Other dairy products................. 213 155 139 152 156 192 205 244 222 264 Fruits and vegetables.................. 581 392 443 507 464 526 578 561 586 715 Fresh fruits......................... 190 113 154 157 156 164 181 183 180 248 Fresh vegetables..................... 194 109 149 159 150 181 191 179 188 249 Processed fruits..................... 110 100 66 111 89 102 110 110 120 125 Processed vegetables................. 87 70 75 80 69 79 95 89 96 93 Other food at home..................... 1,014 858 679 799 720 889 1,001 1,015 1,105 1,257 Sugar and other sweets............... 123 101 88 101 95 112 125 123 123 151 Fats and oils........................ 91 79 71 80 76 93 88 92 93 102 Miscellaneous foods.................. 476 375 284 374 336 402 469 471 540 597 Nonalcoholic beverages............... 274 266 215 212 199 251 275 286 296 321 Food prepared by consumer unit on out-of-town trips................... 50 37 21 32 13 30 45 43 54 86 Food away from home.................... 2,461 1,364 1,070 997 1,284 1,671 1,822 2,136 2,746 4,272 Alcoholic beverages......................... 535 359 319 216 174 279 340 449 635 1,007 Housing..................................... 13,701 9,044 7,273 7,884 8,248 9,699 10,740 12,612 14,658 21,960 Shelter.................................. 7,732 5,185 3,860 4,275 4,489 5,120 5,740 7,014 7,946 13,114 Owned dwellings........................ 5,188 2,595 1,902 1,771 2,590 2,935 3,415 4,375 5,382 10,011 Mortgage interest and charges........ 2,623 1,288 711 529 751 1,170 1,413 2,130 2,918 5,613 Property taxes....................... 1,385 768 604 779 825 936 1,040 1,129 1,340 2,458 Maintenance, repairs, insurance,other expenses............................ 1,180 539 586 463 1,015 828 962 1,116 1,125 1,939 Rented dwellings....................... 1,909 2,207 1,776 2,294 1,713 1,906 1,948 2,206 2,021 1,650 Other lodging.......................... 635 383 182 210 186 279 377 432 543 1,453 Utilities, fuels, and public services.... 2,844 2,170 2,249 2,214 2,292 2,465 2,615 2,827 3,084 3,525 Natural gas............................ 357 281 251 256 296 323 335 340 370 456 Electricity............................ 1,047 849 972 899 928 956 987 1,044 1,117 1,193 Fuel oil and other fuels............... 114 e/ 59 96 131 112 108 102 105 109 135 Telephone services..................... 979 741 710 692 682 785 872 976 1,122 1,287 Water and other public services........ 347 240 220 235 274 291 319 362 365 454 Household operations..................... 572 507 245 297 339 428 430 507 549 965 Personal services...................... 114 e/ 222 91 115 156 120 135 110 67 112 Other household expenses............... 458 285 154 182 183 308 295 397 481 853 Housekeeping supplies.................... 711 282 341 391 433 538 625 546 1,159 926 Laundry and cleaning supplies.......... 145 85 112 126 170 139 140 121 141 171 Other household products............... 392 142 139 178 175 252 329 255 830 493 Postage and stationery................. 173 55 91 88 89 147 156 170 188 261 Household furnishings and equipment...... 1,841 900 578 707 695 1,149 1,331 1,719 1,921 3,430 Household textiles..................... 169 41 84 54 77 130 127 184 183 281 Furniture.............................. 470 106 127 125 134 254 254 322 463 1,048 Floor coverings........................ 63 e/ 71 e/ 8 32 22 29 34 45 43 147 Major appliances....................... 235 122 82 142 94 150 206 274 247 379 Small appliances, miscellaneous housewares............................ 129 38 35 52 61 105 109 98 147 217 Miscellaneous household equipment...... 775 522 242 302 307 481 600 796 839 1,359 Apparel and services........................ 1,704 884 728 1,038 912 1,007 1,349 1,362 1,720 3,069 Men and boys............................. 357 314 228 159 202 227 298 295 381 601 Men, 16 and over....................... 322 278 176 116 184 199 258 264 343 562 Boys, 2 to 15.......................... 36 37 51 43 18 28 40 31 38 39 Women and girls.......................... 731 249 249 596 342 383 620 581 707 1,343 Women, 16 and over..................... 686 184 207 562 323 355 584 538 646 1,284 Girls, 2 to 15......................... 45 65 42 34 19 28 36 43 61 59 Children under 2......................... 44 65 23 41 31 27 33 38 41 71 Footwear................................. 276 e/ 96 127 137 228 222 209 225 306 434 Other apparel products and services...... 295 159 102 104 109 147 189 223 286 619 Transportation.............................. 8,665 4,752 3,847 4,121 4,940 5,342 7,192 8,535 10,686 13,536 Vehicle purchases (net outlay)........... 4,219 2,098 1,794 1,908 2,347 2,154 3,400 4,158 5,337 6,892 Cars and trucks, new................... 2,477 e/ 915 e/ 236 929 1,044 1,079 1,699 2,201 2,676 4,994 Cars and trucks, used.................. 1,680 1,183 1,559 914 1,303 1,075 1,698 1,843 2,578 1,773 Other vehicles......................... 62 d/ d/ e/ 65 d/ d/ e/ 2 e/ 114 e/ 84 126 Gasoline and motor oil................... 1,357 937 767 802 896 1,066 1,327 1,423 1,647 1,749 Other vehicle expenses................... 2,600 1,494 1,137 1,278 1,513 1,817 2,179 2,595 3,169 3,913 Vehicle finance charges................ 408 183 149 158 154 231 371 372 570 646 Maintenance and repairs................ 735 397 355 385 560 541 636 733 884 1,037 Vehicle insurance...................... 970 536 420 565 636 784 899 1,051 1,138 1,306 Vehicle rental, leases, licenses, other charges.............................. 488 378 213 170 162 261 273 439 577 923 Public transportation.................... 488 223 150 133 184 305 286 359 533 981 Health care................................. 3,144 1,921 1,704 2,320 2,959 3,556 3,313 3,361 3,090 3,379 Health insurance......................... 1,566 842 920 1,254 1,598 1,794 1,672 1,679 1,547 1,588 Medical services......................... 723 470 283 436 438 660 736 807 733 968 Drugs.................................... 706 510 437 551 821 919 757 733 665 634 Medical supplies......................... 150 98 64 79 102 183 147 141 145 188 Entertainment............................... 2,390 1,076 824 879 890 1,545 2,010 2,050 2,652 4,264 Fees and admissions...................... 539 232 156 135 171 242 347 419 563 1,144 Television, radios, sound equipment...... 732 457 431 470 458 524 634 767 839 1,044 Pets, toys, and playground equipment..... 470 167 187 194 198 536 320 490 517 689 Other entertainment supplies, equipment,and services.................. 649 220 50 80 63 242 708 375 733 1,386 Personal care products and services......... 593 334 306 342 379 463 482 542 656 907 Reading..................................... 168 75 70 86 95 117 137 165 175 279 Education................................... 557 557 326 318 201 276 306 415 451 1,173 Tobacco products and smoking supplies....... 340 268 323 351 305 332 339 419 414 284 Miscellaneous............................... 762 623 351 388 391 615 668 681 934 1,106 Cash contributions.......................... 1,777 756 515 427 705 1,144 1,198 1,269 1,712 3,651 Personal insurance and pensions............. 4,957 429 436 666 995 1,425 2,519 3,657 5,658 11,766 Life and other personal insurance........ 520 203 163 243 374 311 398 444 546 917 Pensions and Social Security............. 4,437 226 273 423 621 1,114 2,121 3,213 5,111 10,848 Sources of income and personal taxes: a/ Money income before taxes.................. 54,404 308 7,899 12,646 17,472 24,535 34,548 44,584 59,237 117,163 Wages and salaries....................... 40,232 1,445 2,582 4,300 6,080 11,020 21,090 31,029 45,537 96,432 Self-employment income................... 2,376 -3,677 38 384 282 430 783 1,339 1,869 7,163 Social Security, private and government retirement................... 9,293 1,645 3,308 6,290 9,799 11,608 10,849 10,443 10,077 8,537 Interest, dividends, rental income, other property income................... 1,522 102 118 71 161 477 920 971 1,004 4,126 Unemployment and workers'' compensation, veterans'' benefits..................... 265 e/ 23 148 186 170 225 300 363 335 279 Public assistance, supplemental security, income, food stamps..................... 292 430 1,356 1,023 558 332 173 81 143 63 Regular contributions for support........ 297 179 177 290 277 363 338 294 195 345 Other income............................. 127 160 174 102 145 80 95 64 77 217 Personal taxes............................. 3,246 163 -83 -114 64 2,219 1,167 1,828 2,877 8,347 Federal income taxes..................... 2,457 64 -162 -143 -51 1,977 694 1,243 2,076 6,429 State and local income taxes............. 565 -15 11 25 24 101 217 388 554 1,532 Other taxes.............................. 224 114 68 4 91 141 256 197 247 386 Income after taxes......................... 51,157 145 7,982 12,761 17,407 22,316 33,381 42,756 56,360 108,816 Net change in total assets and liabilities... -10,299 6,931 -2,565 -953 -5,943 -2,081 -3,748 -8,420 -9,884 -25,926 Net change in total assets............... 5,321 8,359 2,739 2,734 -3,092 3,479 3,409 3,063 4,104 12,406 Net change in total liabilities.......... 15,620 1,427 5,303 3,687 2,851 5,560 7,157 11,482 13,989 38,332 Other financial information: Other money receipts..................... 959 709 109 1,936 490 225 503 2,439 785 1,140 Mortgage principal paid on owned property................................ -1,550 -690 -469 -460 -370 -879 -719 -1,256 -1,685 -3,278 Estimated market value of owned home..... 123,933 74,235 61,456 65,400 74,860 88,417 93,487 101,431 124,917 212,852 Estimated monthly rental value of owned home.................................... 798 555 437 447 506 636 643 689 817 1,259 Gifts of goods and services................. 1,347 385 263 490 431 766 821 960 1,283 2,906 Food..................................... 139 29 e/ 9 47 24 70 95 31 135 338 Alcoholic beverages...................... 18 e/ 8 12 e/ 12 e/ 23 17 10 4 27 26 Housing.................................. 318 80 77 125 134 223 230 297 258 629 Housekeeping supplies.................. 55 e/ 16 e/ 16 25 35 51 46 55 53 87 Household textiles..................... 22 e/ 2 c/ e/ 13 10 19 15 14 26 40 Appliances and miscellaneous housewares........................... 45 e/ 1 e/ 8 e/ 9 e/ 11 28 46 41 34 94 Major appliances..................... 14 d/ e/ 1 c/ e/ 2 7 e/ 7 27 6 30 Small appliances and miscellaneous housewares......................... 32 e/ 1 e/ 7 e/ 8 e/ 9 20 39 14 28 65 Miscellaneous household equipment...... 90 e/ 9 14 54 22 60 73 94 85 166 Other housing.......................... 106 53 39 24 55 66 50 93 60 241 Apparel and services..................... 302 88 70 202 112 168 214 228 343 568 Males, 2 and over...................... 84 36 29 50 41 64 67 62 91 142 Females, 2 and over.................... 121 e/ 16 14 99 34 44 75 92 113 264 Children under 2....................... 39 28 16 20 20 23 30 34 40 70 Other apparel products and services.... 58 e/ 8 e/ 10 e/ 32 16 38 42 40 99 92 Jewelry and watches.................. 26 e/ 4 e/ 9 e/ 3 e/ 3 9 21 22 43 46 All other apparel products and services............................ 32 e/ 4 c/ e/ 29 e/ 13 29 22 e/ 19 56 45 Transportation........................... 39 c/ 7 35 5 12 20 59 58 63 Health care.............................. 44 e/ 11 c/ e/ 4 e/ 25 27 18 64 60 75 Entertainment............................ 104 64 e/ 23 32 39 73 77 80 122 190 Toys, games, hobbies, and tricycles.... 42 e/ 19 e/ 10 20 13 31 41 43 62 60 Other entertainment.................... 62 e/ 45 e/ 14 12 26 42 36 37 61 130 Personal care products and services...... 24 e/ 35 e/ 9 e/ 12 13 31 21 25 23 28 Reading.................................. 2 e/ 1 e/ 1 c/ c/ 2 1 3 3 3 Education................................ 249 e/ 10 e/ 1 e/ 5 17 82 47 98 160 759 All other gifts.......................... 108 58 55 16 39 60 87 71 95 226 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.