Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 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 more Number of consumer units (in thousands)........... 10,291 440 409 547 1,000 1,176 1,109 1,859 3,751 Consumer unit characteristics: Income before taxes a/ .......................... $68,194 $4,265 $12,753 $17,480 $24,904 $34,657 $44,543 $59,532 $122,483 Income after taxes a/ ........................... 66,940 4,608 13,646 18,168 25,776 35,129 44,624 58,736 118,797 Age of reference person.......................... 40.9 38.4 38.5 39.3 38.3 38.9 40.2 40.6 43.4 Average number in consumer unit: Persons......................................... 5.6 5.5 5.6 5.6 5.6 5.6 5.8 5.6 5.6 Children under 18............................... 2.8 3.2 3.4 3.2 3.1 3.0 2.9 2.7 2.4 Persons 65 and over............................. .1 b/ c/ .1 c/ .1 .1 .1 .1 .1 .1 Earners......................................... 2.2 1.2 1.1 1.3 1.7 1.9 2.1 2.3 2.6 Vehicles........................................ 2.5 1.2 1.3 1.5 1.8 2.2 2.5 2.8 3.1 Percent distribution: Sex of reference person: Male............................................ 48 22 25 43 42 46 51 55 51 Female.......................................... 52 78 75 57 58 54 49 45 49 Housing tenure: Homeowner....................................... 73 41 30 37 53 63 74 80 92 With mortgage.................................. 58 26 13 20 35 49 56 65 78 Without mortgage............................... 15 15 17 17 18 14 18 15 14 Renter.......................................... 27 59 70 63 47 37 26 20 8 Race of reference person: Black or African-American....................... 15 38 34 24 18 14 16 11 10 White, Asian, and All Other Races............... 85 62 66 76 82 86 84 89 90 Education of reference person: Elementary (1-8)................................ 9 12 20 18 19 13 13 6 3 High school (9-12).............................. 41 59 62 60 55 51 46 44 25 College......................................... 49 28 17 21 25 36 39 49 72 Never attended and other........................ d/ 1 2 1 1 d/ 1 e/ d/ At least one vehicle owned or leased............. 93 64 77 85 88 93 96 98 98 Average annual expenditures....................... $54,936 $27,514 $25,997 $27,746 $31,592 $38,136 $42,949 $52,959 $81,184 Food............................................. 8,463 6,640 6,701 5,988 6,326 6,707 7,541 8,175 10,731 Food at home.................................... 5,329 4,961 5,608 4,590 4,621 4,475 4,636 4,989 6,308 Cereals and bakery products.................... 784 714 766 623 622 641 715 754 942 Cereals and cereal products................... 291 344 318 233 239 247 265 273 338 Bakery products............................... 492 370 448 390 383 395 450 482 604 Meats, poultry, fish, and eggs................. 1,440 1,461 1,610 1,384 1,418 1,259 1,343 1,326 1,588 Beef.......................................... 445 394 471 472 450 419 440 383 484 Pork.......................................... 289 298 332 275 342 240 295 267 297 Other meats................................... 185 222 280 132 164 143 159 189 206 Poultry....................................... 267 263 241 285 232 238 238 233 314 Fish and seafood.............................. 188 198 194 169 153 149 140 199 223 Eggs.......................................... 67 86 93 50 77 70 71 55 65 Dairy products................................. 591 511 583 517 491 518 529 526 713 Fresh milk and cream.......................... 262 289 307 258 240 255 262 226 283 Other dairy products.......................... 329 222 276 258 252 262 267 301 430 Fruits and vegetables.......................... 880 859 898 762 770 782 734 793 1,045 Fresh fruits.................................. 289 263 268 223 253 259 232 244 361 Fresh vegetables.............................. 278 261 279 256 269 245 235 253 321 Processed fruits.............................. 178 202 169 152 131 158 146 163 217 Processed vegetables.......................... 134 132 182 130 117 119 121 133 146 Other food at home............................. 1,634 1,417 1,751 1,304 1,320 1,274 1,314 1,589 2,019 Sugar and other sweets........................ 199 162 198 162 162 145 155 187 255 Fats and oils................................. 139 165 140 132 137 119 110 143 151 Miscellaneous foods........................... 821 710 883 627 595 645 640 794 1,042 Nonalcoholic beverages........................ 430 350 528 375 403 343 384 420 494 Food prepared by consumer unit on out-of-town trips............................ 46 c/ 30 c/ 1 c/ 8 22 23 25 46 77 Food away from home............................. 3,134 1,678 1,093 1,398 1,705 2,233 2,905 3,186 4,422 Alcoholic beverages.............................. 362 261 c/ 147 174 213 248 419 272 522 Housing.......................................... 17,360 9,712 9,309 9,759 11,170 12,281 13,859 15,984 25,177 Shelter......................................... 9,811 5,567 5,063 5,772 6,297 6,949 7,653 9,115 14,233 Owned dwellings................................ 7,296 2,262 1,042 1,766 2,819 3,989 5,276 7,074 12,315 Mortgage interest and charges................. 4,718 1,472 c/ 540 1,205 1,709 2,627 3,429 4,656 7,937 Property taxes................................ 1,623 619 348 322 607 773 1,037 1,477 2,853 Maintenance, repairs, insurance, other expenses..................................... 955 171 c/ 154 239 503 589 810 940 1,524 Rented dwellings............................... 2,115 3,220 3,996 3,942 3,435 2,860 2,211 1,759 1,075 Other lodging.................................. 400 c/ 86 c/ 26 c/ 64 43 101 167 283 843 Utilities, fuels, and public services........... 3,833 2,710 2,755 2,642 2,987 3,266 3,472 3,853 4,755 Natural gas.................................... 563 367 481 390 403 404 513 551 732 Electricity.................................... 1,411 1,144 1,148 1,055 1,130 1,280 1,312 1,397 1,675 Fuel oil and other fuels....................... 124 c/ 56 c/ 19 c/ 70 78 88 98 128 182 Telephone services............................. 1,259 840 849 831 987 1,091 1,083 1,287 1,580 Water and other public services................ 475 303 258 296 389 402 466 489 587 Household operations............................ 953 243 261 317 316 490 503 631 1,811 Personal services.............................. 529 c/ 94 c/ 155 c/ 164 151 288 286 328 1,021 Other household expenses....................... 424 150 106 153 164 201 218 303 790 Housekeeping supplies........................... 727 423 589 359 483 475 551 686 1,040 Laundry and cleaning supplies.................. 225 152 209 138 183 179 211 242 267 Other household products....................... 349 206 309 179 226 223 260 304 514 Postage and stationery......................... 153 c/ 65 c/ 71 c/ 42 74 74 80 140 258 Household furnishings and equipment............. 2,038 768 641 669 1,087 1,101 1,679 1,700 3,337 Household textiles............................. 167 c/ 59 44 52 90 193 86 127 259 Furniture...................................... 537 177 218 137 274 257 302 565 886 Floor coverings................................ 53 c/ 27 c/ 1 c/ 31 c/ 6 15 10 38 108 Major appliances............................... 318 113 c/ 115 87 149 210 731 255 380 Small appliances, miscellaneous housewares.................................... 115 65 70 51 94 90 92 82 170 Miscellaneous household equipment.............. 848 327 193 311 474 336 458 633 1,534 Apparel and services............................. 2,770 2,592 1,801 1,672 1,852 2,103 2,152 2,512 3,805 Men and boys.................................... 714 435 421 438 406 563 591 703 982 Men, 16 and over............................... 434 254 c/ 223 246 144 320 365 462 619 Boys, 2 to 15.................................. 280 181 198 192 262 242 226 241 363 Women and girls................................. 969 690 517 428 621 683 787 896 1,385 Women, 16 and over............................. 664 478 222 204 391 472 574 586 981 Girls, 2 to 15................................. 305 212 295 224 229 211 212 310 405 Children under 2................................ 187 193 240 192 244 174 171 142 197 Footwear........................................ 581 1,129 485 409 411 516 429 529 697 Other apparel products and services............. 319 146 137 205 171 167 174 242 544 Transportation................................... 10,231 4,221 4,486 4,919 5,565 8,355 7,529 11,543 14,314 Vehicle purchases (net outlay).................. 4,599 c/ 1,681 2,443 2,176 2,357 4,168 2,813 5,719 6,236 Cars and trucks, new........................... 1,936 c/ 727 c/ 557 c/ 110 c/ 440 1,625 c/ 492 2,644 3,067 Cars and trucks, used.......................... 2,617 954 1,886 2,066 1,917 2,538 2,315 2,982 3,091 Other vehicles................................. 47 e/ e/ e/ e/ c/ 5 c/ 6 c/ 94 78 Gasoline and motor oil.......................... 2,132 1,049 986 1,201 1,463 1,776 2,040 2,213 2,797 Other vehicle expenses.......................... 3,087 1,214 926 1,385 1,546 2,228 2,461 3,265 4,559 Vehicle finance charges........................ 530 215 120 139 248 376 482 566 788 Maintenance and repairs........................ 801 372 235 369 400 636 636 785 1,184 Vehicle insurance.............................. 1,227 464 503 569 702 985 1,060 1,334 1,705 Vehicle rental, leases, licenses, other charges....................................... 528 163 68 308 196 232 284 580 882 Public transportation........................... 414 276 131 158 199 182 215 346 722 Health care...................................... 2,474 696 693 1,063 1,210 1,655 2,289 2,610 3,662 Health insurance................................ 1,271 306 314 392 618 898 1,213 1,405 1,859 Medical services................................ 734 153 c/ 184 441 346 468 675 729 1,113 Drugs........................................... 363 218 181 200 191 233 322 361 523 Medical supplies................................ 105 c/ 19 c/ 15 c/ 30 55 56 80 116 167 Entertainment.................................... 2,704 1,043 741 988 1,415 1,334 1,870 2,751 4,358 Fees and admissions............................. 647 135 48 109 155 256 337 526 1,255 Television, radios, sound equipment............. 958 620 414 470 591 632 851 972 1,355 Pets, toys, hobbies, and playground equipment... 472 138 132 256 343 276 472 415 699 Other entertainment supplies, equipment, and services................................... 627 149 146 153 326 170 211 838 1,049 Personal care products and services.............. 742 396 403 392 412 560 638 621 1,100 Reading.......................................... 116 36 20 33 40 57 98 92 204 Education........................................ 1,161 358 253 160 311 355 503 733 2,386 Tobacco products and smoking supplies............ 373 306 390 345 394 371 493 430 313 Miscellaneous.................................... 719 261 117 675 487 539 727 833 901 Cash contributions............................... 1,398 550 313 517 388 637 962 1,007 2,575 Personal insurance and pensions.................. 6,062 443 622 1,063 1,809 2,932 3,869 5,395 11,137 Life and other personal insurance............... 496 136 c/ 90 96 89 272 280 385 939 Pensions and Social Security.................... 5,566 307 532 967 1,720 2,661 3,589 5,010 10,199 Sources of income and personal taxes: a/ Money income before taxes........................ 68,194 4,265 12,753 17,480 24,904 34,657 44,543 59,532 122,483 Wages and salaries.............................. 60,684 3,427 6,354 11,911 20,774 30,386 39,080 53,530 110,518 Self-employment income.......................... 3,227 c/ -2,449 c/ 233 c/ 262 196 1,149 1,496 2,646 6,910 Social Security, private and government retirement..................................... 1,933 c/ 621 1,427 1,888 1,582 1,357 1,933 1,632 2,572 Interest, dividends, rental income, other property income................................ 593 c/ -97 c/ 2 c/ 17 c/ 9 116 180 234 1,427 Unemployment and workers' compensation, veterans' benefits............................. 319 c/ 181 c/ 341 c/ 207 385 292 356 409 285 Public assistance, supplemental security income, food stamps............................ 827 1,800 3,695 2,660 1,349 957 848 332 193 Regular contributions for support............... 439 559 428 c/ 415 427 273 328 509 484 Other income.................................... 172 c/ 224 c/ 274 c/ 120 c/ 182 128 c/ 323 241 94 Personal taxes................................... 1,253 -343 -893 -688 -871 -472 -81 796 3,686 Federal income taxes............................ 660 -348 -890 -730 -885 -635 -418 169 2,531 State and local income taxes.................... 407 -42 -31 35 -27 87 240 379 841 Other taxes..................................... 186 c/ 47 c/ 28 c/ 7 41 75 97 248 314 Income after taxes............................... 66,940 4,608 13,646 18,168 25,776 35,129 44,624 58,736 118,797 Addenda: Net change in total assets and liabilities....... -18,495 10,249 561 -1,874 -4,664 -11,606 -11,204 -23,326 -31,979 Net change in total assets...................... 11,727 15,908 5,865 299 6,513 7,993 5,207 12,433 17,684 Net change in total liabilities................. 30,221 5,659 5,304 2,173 11,177 19,599 16,410 35,758 49,662 Other financial information: Other money receipts............................ 326 c/ 84 c/ 12 c/ 599 c/ 10 c/ 435 209 547 325 Mortgage principal paid on owned property....... -2,345 -686 c/ -179 -356 -623 -1,062 -1,066 -1,831 -4,560 Estimated market value of owned home............ 157,483 44,692 36,123 40,431 62,608 80,731 99,131 139,414 276,606 Estimated monthly rental value of owned home.... 913 352 224 301 404 540 697 873 1,479 Gifts of goods and services...................... 739 335 531 397 422 622 445 665 1,093 Food............................................ 44 c/ 27 c/ 17 78 c/ 7 30 32 28 71 Alcoholic beverages............................. 12 e/ e/ c/ 19 d/ c/ 18 c/ 17 c/ 4 16 Housing......................................... 185 c/ 98 118 67 124 138 151 181 258 Housekeeping supplies.......................... 45 c/ 36 c/ 27 c/ 8 c/ 28 22 c/ 14 54 70 Household textiles............................. 12 c/ 3 e/ e/ c/ 1 c/ 9 c/ 2 c/ 12 23 Appliances and miscellaneous housewares.................................... 27 c/ 9 e/ e/ c/ 13 c/ 34 c/ 34 c/ 11 41 Major appliances.............................. 3 c/ 9 e/ e/ c/ 1 e/ c/ 22 c/ 1 d/ Small appliances and miscellaneous housewares................................... 24 d/ e/ e/ c/ 12 c/ 34 c/ 12 c/ 10 40 Miscellaneous household equipment.............. 49 c/ 10 c/ 11 c/ 14 21 22 41 50 80 Other housing.................................. 52 c/ 41 c/ 80 c/ 44 61 51 61 54 45 Apparel and services............................ 248 120 318 173 202 289 161 233 296 Males, 2 and over.............................. 63 c/ 62 c/ 86 86 31 42 25 68 84 Females, 2 and over............................ 76 c/ 20 c/ 83 c/ 16 104 94 61 76 79 Children under 2............................... 61 c/ 24 c/ 48 c/ 65 56 35 59 55 80 Other apparel products and services............ 48 c/ 15 c/ 101 c/ 6 c/ 11 c/ 118 c/ 15 c/ 34 53 Jewelry and watches........................... 8 c/ 1 e/ c/ 6 c/ 4 c/ 1 c/ 4 c/ 11 13 All other apparel products and services....... 39 c/ 14 c/ 101 e/ c/ 7 c/ 116 c/ 11 c/ 23 40 Transportation.................................. 16 c/ 3 c/ 49 c/ 6 d/ 8 c/ 4 27 21 Health care..................................... 18 c/ -9 e/ c/ 13 c/ 6 c/ 6 c/ 1 c/ 33 28 Entertainment................................... 59 c/ 11 c/ 5 c/ 15 c/ 17 c/ 17 c/ 28 47 116 Toys, games, arts and crafts, and tricycles.... 13 c/ 4 c/ 1 c/ 9 c/ 6 c/ 4 c/ 9 11 23 Other entertainment............................ 46 c/ 7 c/ 4 c/ 7 c/ 10 c/ 13 c/ 19 36 94 Personal care products and services............. 27 c/ 19 c/ 13 c/ 21 c/ 3 48 33 13 33 Reading......................................... 1 e/ e/ e/ e/ d/ d/ c/ 1 2 Education....................................... 89 c/ 23 c/ 8 c/ 6 c/ 31 c/ 10 c/ 3 36 209 All other gifts................................. 40 c/ 42 c/ 3 c/ 1 31 59 14 62 43 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 Data are likely to have large sampling errors. d Value less than 0.5. e No data reported.