Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 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 more Number of consumer units (in thousands)........... 18,396 488 748 1,039 1,223 2,599 2,541 2,064 3,364 4,330 Consumer unit characteristics: Income before taxes a/ .......................... $51,650 $910 $7,680 $12,605 $17,409 $24,978 $34,418 $44,316 $59,018 $107,895 Income after taxes a/ ........................... 49,863 1,327 7,947 13,107 17,919 25,057 33,443 43,052 56,826 102,775 Age of reference person.......................... 29.7 29.5 28.7 29.1 28.7 29.3 29.3 29.8 29.9 30.5 Average number in consumer unit: Persons......................................... 2.9 2.4 2.5 2.8 2.8 2.7 2.7 2.9 3.0 3.1 Children under 18............................... 1.1 1.0 1.2 1.4 1.2 1.1 1.0 1.1 1.0 1.0 Persons 65 and over............................. b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners......................................... 1.5 .8 .8 1.0 1.2 1.3 1.4 1.6 1.8 1.9 Vehicles........................................ 1.8 1.0 .9 1.1 1.2 1.3 1.6 1.9 2.2 2.3 Percent distribution: Sex of reference person: Male............................................ 50 35 30 34 44 47 53 58 52 56 Female.......................................... 50 65 70 66 56 53 47 42 48 44 Housing tenure: Homeowner....................................... 49 21 18 21 18 31 40 51 62 76 With mortgage.................................. 42 14 8 8 10 22 33 46 57 72 Without mortgage............................... 7 7 11 13 7 8 7 5 5 5 Renter.......................................... 51 79 82 79 82 69 60 49 38 24 Race of reference person: Black or African-American....................... 13 22 28 23 23 18 13 9 10 6 White, Asian, and All Other Races............... 87 78 72 77 77 82 87 91 90 94 Education of reference person: Elementary (1-8)................................ 3 4 4 9 7 7 4 2 1 1 High school (9-12).............................. 30 43 43 44 49 40 33 32 25 12 College......................................... 67 53 54 47 44 53 63 65 74 87 Never attended and other........................ c/ d/ d/ d/ d/ c/ c/ 1 c/ d/ At least one vehicle owned or leased............. 90 68 66 76 81 85 92 95 97 96 Average annual expenditures....................... $42,520 $20,145 $18,785 $21,768 $24,013 $27,543 $34,479 $39,155 $48,363 $69,666 Food............................................. 5,627 3,846 3,635 4,018 4,262 4,009 5,160 5,330 5,945 7,867 Food at home.................................... 3,103 2,400 2,595 2,677 2,890 2,521 3,130 2,976 3,038 3,786 Cereals and bakery products.................... 426 362 361 382 396 352 431 432 412 504 Cereals and cereal products................... 155 152 155 127 143 144 160 154 147 171 Bakery products............................... 272 210 206 255 254 209 271 278 265 333 Meats, poultry, fish, and eggs................. 791 598 843 765 699 672 832 767 705 939 Beef.......................................... 241 186 276 230 221 213 260 226 200 287 Pork.......................................... 153 133 170 170 134 140 150 166 150 159 Other meats................................... 93 57 93 78 84 82 92 108 99 99 Poultry....................................... 150 92 138 122 126 122 159 139 133 196 Fish and seafood.............................. 116 93 126 123 94 80 130 91 92 160 Eggs.......................................... 37 38 41 41 39 35 42 37 31 37 Dairy products................................. 337 258 236 251 341 269 344 340 339 404 Fresh milk and cream.......................... 139 110 112 101 165 130 147 138 135 149 Other dairy products.......................... 198 148 124 150 176 139 197 203 204 254 Fruits and vegetables.......................... 514 410 346 478 494 426 521 485 493 633 Fresh fruits.................................. 165 138 121 149 154 147 152 160 154 206 Fresh vegetables.............................. 163 130 98 143 164 135 160 139 157 212 Processed fruits.............................. 109 74 70 110 90 84 121 106 107 133 Processed vegetables.......................... 78 68 57 76 87 60 88 81 76 83 Other food at home............................. 1,035 771 809 802 960 801 1,003 952 1,089 1,306 Sugar and other sweets........................ 110 67 108 94 100 90 99 106 116 136 Fats and oils................................. 77 54 82 68 81 70 78 73 80 80 Miscellaneous foods........................... 546 368 364 379 513 396 541 492 554 732 Nonalcoholic beverages........................ 273 260 244 251 248 228 259 257 309 307 Food prepared by consumer unit on out-of-town trips............................ 29 e/ 23 e/ 11 e/ 9 18 18 25 24 30 50 Food away from home............................. 2,524 1,447 1,040 1,340 1,372 1,488 2,030 2,353 2,908 4,082 Alcoholic beverages.............................. 517 189 163 212 285 292 439 494 584 859 Housing.......................................... 14,511 7,900 6,697 7,928 8,867 10,216 11,838 13,369 15,563 23,578 Shelter......................................... 8,833 5,260 4,214 4,845 5,376 6,355 7,373 8,025 9,315 14,320 Owned dwellings................................ 4,782 1,300 784 703 881 1,855 2,785 3,843 5,623 10,671 Mortgage interest and charges................. 3,286 982 e/ 398 383 528 1,282 1,822 2,691 3,913 7,376 Property taxes................................ 905 218 221 206 177 285 570 698 1,010 2,061 Maintenance, repairs, insurance, other expenses..................................... 592 e/ 100 e/ 166 114 176 288 393 454 699 1,233 Rented dwellings............................... 3,809 3,861 3,310 4,091 4,431 4,425 4,459 4,004 3,437 3,090 Other lodging.................................. 241 e/ 99 e/ 120 e/ 51 64 74 129 177 255 560 Utilities, fuels, and public services........... 2,638 1,665 1,629 1,882 1,936 2,184 2,335 2,656 2,987 3,472 Natural gas.................................... 351 204 165 257 253 248 285 361 396 509 Electricity.................................... 934 634 685 790 759 851 864 931 1,001 1,136 Fuel oil and other fuels....................... 63 e/ 46 e/ 21 e/ 17 e/ 30 41 52 66 73 101 Telephone services............................. 1,021 618 628 678 746 841 922 1,028 1,192 1,322 Water and other public services................ 270 164 130 140 147 203 212 269 325 403 Household operations............................ 919 197 202 347 345 478 596 738 993 1,905 Personal services.............................. 599 e/ 102 103 225 230 317 384 510 641 1,240 Other household expenses....................... 320 95 99 122 115 160 212 228 353 665 Housekeeping supplies........................... 498 345 262 271 479 286 417 441 587 724 Laundry and cleaning supplies.................. 147 79 98 97 215 118 133 131 153 178 Other household products....................... 222 202 109 118 142 104 183 176 281 351 Postage and stationery......................... 129 e/ 64 55 57 122 64 100 133 153 195 Household furnishings and equipment............. 1,624 432 390 583 732 913 1,117 1,509 1,680 3,159 Household textiles............................. 114 e/ 14 12 52 43 79 85 215 88 182 Furniture...................................... 494 85 140 155 141 247 223 419 551 1,082 Floor coverings................................ 34 e/ 2 e/ 8 11 e/ 6 10 9 30 24 93 Major appliances............................... 204 e/ 43 27 64 137 216 183 163 170 354 Small appliances, miscellaneous housewares.................................... 92 e/ 10 33 66 67 85 98 74 85 136 Miscellaneous household equipment.............. 685 279 170 236 338 277 518 608 762 1,312 Apparel and services............................. 2,073 1,036 1,137 1,484 1,253 1,362 1,855 1,908 1,984 3,340 Men and boys.................................... 436 169 192 316 283 267 385 457 404 701 Men, 16 and over............................... 314 e/ 95 e/ 71 162 168 145 255 346 288 574 Boys, 2 to 15.................................. 122 74 122 154 115 122 130 111 116 128 Women and girls................................. 728 370 403 429 371 469 671 492 710 1,262 Women, 16 and over............................. 595 293 288 334 235 356 556 395 550 1,097 Girls, 2 to 15................................. 133 78 116 96 136 113 116 97 160 165 Children under 2................................ 184 e/ 95 92 124 144 130 167 144 157 309 Footwear........................................ 386 295 284 471 283 259 439 485 395 410 Other apparel products and services............. 340 107 165 144 171 236 193 331 318 658 Transportation................................... 8,400 3,320 3,537 3,922 3,619 5,364 7,182 7,536 11,140 13,054 Vehicle purchases (net outlay).................. 4,031 e/ 933 e/ 1,571 1,794 1,006 2,403 3,555 3,270 5,815 6,427 Cars and trucks, new........................... 1,852 d/ d/ e/ 850 e/ 143 e/ 602 1,490 1,186 2,594 3,808 Cars and trucks, used.......................... 2,105 e/ 750 1,571 942 863 1,802 2,059 1,972 3,007 2,551 Other vehicles................................. 73 e/ 183 d/ e/ 2 d/ d/ e/ 6 e/ 112 214 68 Gasoline and motor oil.......................... 1,551 965 737 905 1,053 1,227 1,346 1,635 1,878 2,072 Other vehicle expenses.......................... 2,456 1,138 999 1,048 1,325 1,533 2,043 2,364 3,097 3,854 Vehicle finance charges........................ 448 200 137 104 167 228 342 453 607 759 Maintenance and repairs........................ 599 384 431 342 384 418 551 606 730 806 Vehicle insurance.............................. 932 321 332 465 572 689 882 971 1,173 1,289 Vehicle rental, leases, licenses, other charges....................................... 477 234 99 137 202 199 268 334 587 999 Public transportation........................... 363 284 230 176 235 201 238 267 349 702 Health care...................................... 1,514 483 431 517 612 919 1,297 1,654 1,974 2,366 Health insurance................................ 829 245 185 192 336 480 698 908 1,093 1,341 Medical services................................ 408 109 111 157 122 266 343 443 553 627 Drugs........................................... 215 102 98 140 126 138 209 257 250 289 Medical supplies................................ 63 e/ 28 e/ 38 28 28 35 47 47 78 108 Entertainment.................................... 2,086 801 736 889 1,084 1,312 1,411 1,734 2,287 3,888 Fees and admissions............................. 413 273 100 126 150 199 263 304 498 830 Television, radios, sound equipment............. 825 337 415 475 512 618 656 766 890 1,324 Pets, toys, hobbies, and playground equipment... 414 138 133 165 254 252 316 399 457 716 Other entertainment supplies, equipment, and services................................... 434 54 87 123 168 244 177 265 441 1,019 Personal care products and services.............. 542 364 241 350 338 376 449 522 559 856 Reading.......................................... 98 57 41 52 40 56 79 88 106 176 Education........................................ 691 890 1,027 751 831 363 428 596 755 900 Tobacco products and smoking supplies............ 290 169 233 331 401 333 287 394 284 205 Miscellaneous.................................... 592 284 242 300 459 439 445 706 728 818 Cash contributions............................... 804 545 228 206 614 476 657 827 878 1,346 Personal insurance and pensions.................. 4,773 259 437 807 1,347 2,025 2,952 3,997 5,578 10,411 Life and other personal insurance............... 219 e/ 78 e/ 69 63 61 100 98 201 244 473 Pensions and Social Security.................... 4,554 181 368 744 1,286 1,925 2,854 3,796 5,334 9,939 Sources of income and personal taxes: a/ Money income before taxes........................ 51,650 910 7,680 12,605 17,409 24,978 34,418 44,316 59,018 107,895 Wages and salaries.............................. 48,151 1,960 4,282 8,994 14,569 22,393 32,321 41,606 56,536 101,169 Self-employment income.......................... 1,621 -2,462 e/ -20 e/ 257 e/ 473 646 785 1,330 1,218 4,542 Social Security, private and government retirement..................................... 309 e/ 111 e/ 655 466 e/ 337 333 283 387 206 268 Interest, dividends, rental income, other property income................................ 382 e/ -115 e/ 27 e/ 23 17 91 57 135 149 1,352 Unemployment and workers' compensation, veterans' benefits............................. 255 e/ 62 e/ 91 321 326 390 277 230 259 184 Public assistance, supplemental security income, food stamps............................ 352 699 1,581 1,585 913 484 187 103 e/ 52 e/ 16 Regular contributions for support............... 386 420 566 466 543 447 407 375 396 236 Other income.................................... 195 e/ 236 498 494 230 194 101 151 202 127 Personal taxes................................... 1,787 -417 -267 -502 -511 -79 975 1,264 2,192 5,120 Federal income taxes............................ 1,192 -402 -308 -538 -579 -268 603 785 1,501 3,722 State and local income taxes.................... 500 -32 19 15 50 141 331 388 581 1,190 Other taxes..................................... 95 e/ 17 e/ 22 21 18 48 42 91 110 207 Income after taxes............................... 49,863 1,327 7,947 13,107 17,919 25,057 33,443 43,052 56,826 102,775 Addenda: Net change in total assets and liabilities....... -17,859 2,794 -4,188 2,056 -854 -4,416 -3,021 -14,922 -17,423 -50,643 Net change in total assets...................... 14,108 6,064 1,925 4,803 1,349 4,205 13,247 6,915 16,258 31,165 Net change in total liabilities................. 31,967 3,270 6,113 2,747 2,203 8,621 16,268 21,837 33,681 81,807 Other financial information: Other money receipts............................ 184 e/ 96 e/ 200 e/ 228 e/ 223 160 124 126 108 306 Mortgage principal paid on owned property....... -1,213 -303 e/ -216 e/ -100 -156 -407 -755 -924 -1,302 -2,875 Estimated market value of owned home............ 85,592 24,685 15,606 20,730 15,114 30,585 49,850 66,722 95,986 194,923 Estimated monthly rental value of owned home.... 536 184 111 152 127 222 347 483 641 1,099 Gifts of goods and services...................... 683 431 216 455 400 507 603 613 750 1,044 Food............................................ 32 e/ 6 e/ 8 e/ 10 28 14 31 35 32 52 Alcoholic beverages............................. 22 e/ 9 e/ 6 e/ 1 e/ 12 c/ 18 48 29 30 Housing......................................... 172 113 58 180 138 164 155 169 160 223 Housekeeping supplies.......................... 43 e/ 15 e/ 14 e/ 13 24 27 40 36 58 63 Household textiles............................. 9 e/ 5 c/ c/ e/ 3 e/ 25 e/ 3 e/ 5 e/ 5 14 Appliances and miscellaneous housewares.................................... 22 d/ e/ 1 e/ 11 e/ 1 e/ 19 28 32 e/ 11 38 Major appliances.............................. 3 d/ d/ e/ 3 d/ c/ e/ 2 e/ 14 e/ 2 e/ 3 Small appliances and miscellaneous housewares................................... 19 d/ e/ 1 e/ 7 e/ 1 e/ 18 27 e/ 18 e/ 9 36 Miscellaneous household equipment.............. 50 e/ 5 e/ 3 e/ 53 e/ 64 33 33 47 51 78 Other housing.................................. 47 e/ 89 40 103 47 60 52 49 35 29 Apparel and services............................ 241 192 82 189 149 222 218 132 308 334 Males, 2 and over.............................. 42 e/ 30 e/ 6 27 35 25 62 29 40 56 Females, 2 and over............................ 76 e/ 79 e/ 45 66 22 81 50 31 108 111 Children under 2............................... 57 e/ 5 e/ 17 e/ 45 69 44 47 48 60 81 Other apparel products and services............ 66 e/ 78 e/ 13 e/ 50 e/ 23 72 59 24 99 86 Jewelry and watches........................... 37 e/ 5 e/ 5 e/ 2 e/ 6 e/ 58 16 e/ 13 62 54 All other apparel products and services....... 29 e/ 73 e/ 8 e/ 49 e/ 17 e/ 13 e/ 43 e/ 11 e/ 37 32 Transportation.................................. 38 e/ 10 9 e/ 9 6 e/ 4 40 19 18 104 Health care..................................... 20 e/ 8 d/ e/ 2 e/ 6 e/ 5 e/ 14 e/ 25 e/ 10 51 Entertainment................................... 57 e/ 18 e/ 25 e/ 44 36 72 37 37 67 81 Toys, games, arts and crafts, and tricycles.... 24 e/ 4 e/ 10 e/ 29 e/ 17 22 22 21 21 36 Other entertainment............................ 33 e/ 14 e/ 15 e/ 15 19 50 15 16 47 45 Personal care products and services............. 24 e/ 61 e/ 16 d/ e/ 11 10 16 32 33 32 Reading......................................... c/ d/ d/ d/ d/ c/ e/ 1 c/ 1 1 Education....................................... 29 e/ 8 c/ e/ 1 e/ 11 e/ 3 39 75 37 31 All other gifts................................. 48 e/ 5 11 20 4 13 35 42 57 105 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. 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.