Table 39. Consumer units of four 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)........... 14,948 528 509 564 1,367 1,367 1,387 2,786 6,441 Consumer unit characteristics: Income before taxes a/ .......................... $73,106 $5,295 $12,635 $17,488 $24,933 $24,933 $44,639 $59,725 $118,558 Income after taxes a/ ........................... 70,572 5,833 13,422 18,154 25,782 25,782 44,316 58,647 112,870 Age of reference person.......................... 41.0 39.3 39.5 38.6 38.3 38.3 39.1 40.3 43.3 Average number in consumer unit: Persons......................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18............................... 1.6 2.1 1.9 1.8 1.8 1.8 1.7 1.6 1.5 Persons 65 and over............................. .1 b/ .1 b/ .1 b/ .1 .1 .1 c/ .1 .1 Earners......................................... 1.9 1.0 1.2 1.4 1.6 1.6 1.9 2.0 2.2 Vehicles........................................ 2.5 1.3 1.5 1.5 1.7 1.7 2.4 2.6 3.0 Percent distribution: Sex of reference person: Male............................................ 50 30 35 38 41 41 52 53 55 Female.......................................... 50 70 65 62 59 59 48 47 45 Housing tenure: Homeowner....................................... 77 40 42 36 47 47 75 83 93 With mortgage.................................. 65 26 18 24 33 33 62 71 84 Without mortgage............................... 12 15 23 13 14 14 13 12 10 Renter.......................................... 23 60 58 64 53 53 25 17 7 Race of reference person: Black or African-American....................... 12 29 25 20 21 21 8 12 7 White, Asian, and All Other Races............... 88 71 75 80 79 79 92 88 93 Education of reference person: Elementary (1-8)................................ 4 9 13 14 13 13 3 2 1 High school (9-12).............................. 34 60 59 55 52 52 44 36 18 College......................................... 61 30 25 30 33 33 53 62 81 Never attended and other........................ d/ d/ 2 1 1 1 1 d/ d/ At least one vehicle owned or leased............. 95 72 82 82 87 87 95 99 99 Average annual expenditures....................... $57,982 $27,131 $24,578 $27,191 $31,522 $31,522 $41,888 $52,035 $81,824 Food............................................. 8,077 5,029 5,379 5,808 5,746 5,746 6,654 7,939 10,065 Food at home.................................... 4,754 3,545 4,017 4,309 4,177 4,177 4,295 4,698 5,353 Cereals and bakery products.................... 675 563 513 652 559 559 613 696 760 Cereals and cereal products................... 231 212 201 289 209 209 213 238 243 Bakery products............................... 444 351 312 363 350 350 400 458 517 Meats, poultry, fish, and eggs................. 1,254 1,039 1,207 1,160 1,295 1,295 1,155 1,196 1,337 Beef.......................................... 388 321 321 345 388 388 348 357 424 Pork.......................................... 256 237 359 235 264 264 236 263 254 Other meats................................... 159 90 96 128 172 172 147 173 174 Poultry....................................... 221 162 216 232 215 215 184 222 235 Fish and seafood.............................. 176 174 158 157 193 193 189 133 196 Eggs.......................................... 54 54 57 62 62 62 51 48 54 Dairy products................................. 526 352 452 506 398 398 506 538 594 Fresh milk and cream.......................... 209 164 193 254 170 170 214 204 223 Other dairy products.......................... 317 188 260 251 228 228 292 334 371 Fruits and vegetables.......................... 754 547 628 690 673 673 683 671 884 Fresh fruits.................................. 241 170 191 203 222 222 213 205 297 Fresh vegetables.............................. 239 185 206 236 220 220 222 216 269 Processed fruits.............................. 156 103 121 136 141 141 144 142 183 Processed vegetables.......................... 118 88 111 116 89 89 105 108 136 Other food at home............................. 1,546 1,045 1,217 1,302 1,252 1,252 1,338 1,598 1,777 Sugar and other sweets........................ 178 149 142 143 161 161 154 183 203 Fats and oils................................. 121 96 115 111 121 121 126 114 129 Miscellaneous foods........................... 779 437 632 648 596 596 695 767 922 Nonalcoholic beverages........................ 416 346 325 395 358 358 338 478 446 Food prepared by consumer unit on out-of-town trips............................ 51 b/ 18 b/ 4 b/ 5 17 17 25 56 77 Food away from home............................. 3,323 1,484 1,362 1,499 1,569 1,569 2,359 3,241 4,711 Alcoholic beverages.............................. 495 159 141 212 247 247 299 475 749 Housing.......................................... 18,531 10,918 8,068 9,437 10,833 10,833 13,348 16,047 25,851 Shelter......................................... 10,543 6,438 4,606 5,558 6,389 6,389 7,351 8,901 14,714 Owned dwellings................................ 8,174 3,177 1,668 1,727 2,672 2,672 5,039 7,086 12,824 Mortgage interest and charges................. 5,169 2,219 804 1,109 1,698 1,698 3,466 4,744 7,926 Property taxes................................ 1,831 630 438 370 499 499 1,021 1,514 2,980 Maintenance, repairs, insurance, other expenses..................................... 1,175 328 425 247 476 476 551 827 1,917 Rented dwellings............................... 1,871 3,187 2,885 3,738 3,626 3,626 2,148 1,530 966 Other lodging.................................. 498 b/ 74 b/ 53 b/ 93 91 91 164 285 925 Utilities, fuels, and public services........... 3,702 2,680 2,405 2,478 2,686 2,686 3,339 3,602 4,480 Natural gas.................................... 519 285 286 321 320 320 449 490 668 Electricity.................................... 1,344 1,157 980 1,038 1,083 1,083 1,270 1,309 1,543 Fuel oil and other fuels....................... 145 b/ 74 b/ 62 b/ 35 69 69 142 125 200 Telephone services............................. 1,257 866 804 803 921 921 1,118 1,262 1,524 Water and other public services................ 436 298 273 281 292 292 359 417 545 Household operations............................ 1,358 350 303 302 443 443 772 1,039 2,251 Personal services.............................. 817 b/ 168 b/ 148 186 256 256 528 665 1,332 Other household expenses....................... 540 182 155 116 187 187 244 374 919 Housekeeping supplies........................... 788 369 400 378 432 432 549 764 1,094 Laundry and cleaning supplies.................. 210 118 170 192 189 189 173 209 240 Other household products....................... 396 208 149 147 185 185 272 334 591 Postage and stationery......................... 182 b/ 43 81 39 57 57 105 221 263 Household furnishings and equipment............. 2,140 1,081 354 721 882 882 1,337 1,740 3,312 Household textiles............................. 168 19 16 87 99 99 213 148 223 Furniture...................................... 599 427 102 196 247 247 315 430 952 Floor coverings................................ 68 b/ 14 b/ 4 b/ 5 24 24 30 68 113 Major appliances............................... 245 169 63 104 109 109 208 224 335 Small appliances, miscellaneous housewares.................................... 102 26 11 71 58 58 51 85 155 Miscellaneous household equipment.............. 958 425 158 258 344 344 521 785 1,534 Apparel and services............................. 2,620 1,545 1,631 1,757 1,729 1,729 1,697 2,323 3,506 Men and boys.................................... 640 382 397 329 343 343 399 538 892 Men, 16 and over............................... 412 167 149 202 165 165 220 354 610 Boys, 2 to 15.................................. 228 214 248 128 179 179 179 184 282 Women and girls................................. 1,044 578 491 564 638 638 594 994 1,454 Women, 16 and over............................. 753 432 349 349 441 441 387 765 1,048 Girls, 2 to 15................................. 290 146 142 216 197 197 207 229 406 Children under 2................................ 171 164 154 260 163 163 163 137 186 Footwear........................................ 488 261 466 407 433 433 376 469 558 Other apparel products and services............. 277 160 123 196 152 152 165 186 415 Transportation................................... 11,012 4,673 5,021 4,167 6,263 6,263 8,593 10,534 14,943 Vehicle purchases (net outlay).................. 5,237 b/ 2,024 2,401 1,365 2,833 2,833 3,899 5,004 7,206 Cars and trucks, new........................... 2,787 b/ 972 b/ 927 e/ b/ 916 b/ 916 1,826 1,963 4,413 Cars and trucks, used.......................... 2,376 1,052 1,471 1,365 1,917 1,917 1,963 2,894 2,710 Other vehicles................................. 74 e/ b/ 3 e/ e/ e/ b/ 110 b/ 146 82 Gasoline and motor oil.......................... 2,090 1,185 1,292 1,308 1,397 1,397 1,934 2,121 2,549 Other vehicle expenses.......................... 3,219 1,312 1,270 1,365 1,825 1,825 2,560 3,133 4,394 Vehicle finance charges........................ 511 188 164 183 283 283 474 568 669 Maintenance and repairs........................ 822 445 318 419 503 503 664 786 1,114 Vehicle insurance.............................. 1,287 535 618 618 762 762 1,055 1,279 1,686 Vehicle rental, leases, licenses, other charges....................................... 598 143 170 146 277 277 368 500 925 Public transportation........................... 466 153 57 129 208 208 199 276 794 Health care...................................... 2,637 880 763 1,091 1,345 1,345 2,449 3,048 3,362 Health insurance................................ 1,437 515 426 537 774 774 1,371 1,734 1,778 Medical services................................ 688 234 148 236 271 271 593 785 921 Drugs........................................... 387 101 173 273 238 238 376 384 495 Medical supplies................................ 124 b/ 29 b/ 17 b/ 45 62 62 108 145 169 Entertainment.................................... 2,949 1,005 887 1,328 1,292 1,292 2,186 2,472 4,437 Fees and admissions............................. 808 164 76 133 230 230 435 583 1,393 Television, radios, sound equipment............. 1,012 502 522 614 620 620 871 929 1,339 Pets, toys, hobbies, and playground equipment... 531 141 185 345 270 270 532 526 701 Other entertainment supplies, equipment, and services................................... 597 199 103 236 173 173 348 434 1,005 Personal care products and services.............. 739 521 417 369 443 443 522 641 1,032 Reading.......................................... 139 56 35 33 43 43 90 109 220 Education........................................ 1,442 359 218 402 305 305 414 807 2,701 Tobacco products and smoking supplies............ 347 236 424 438 386 386 437 326 303 Miscellaneous.................................... 801 488 495 476 443 443 554 731 1,108 Cash contributions............................... 1,236 617 162 382 482 482 696 975 1,966 Personal insurance and pensions.................. 6,959 647 936 1,292 1,965 1,965 3,948 5,608 11,581 Life and other personal insurance............... 503 206 177 130 200 200 321 415 784 Pensions and Social Security.................... 6,456 441 759 1,161 1,765 1,765 3,627 5,193 10,797 Sources of income and personal taxes: a/ Money income before taxes........................ 73,106 5,295 12,635 17,488 24,933 24,933 44,639 59,725 118,558 Wages and salaries.............................. 65,425 2,633 8,304 13,025 20,735 20,735 40,108 54,917 106,520 Self-employment income.......................... 4,005 b/ -839 b/ 90 b/ 654 618 618 1,496 1,908 7,788 Social Security, private and government retirement..................................... 1,686 1,104 1,462 1,427 1,552 1,552 1,551 1,574 1,864 Interest, dividends, rental income, other property income................................ 734 b/ 175 b/ 31 b/ 50 97 97 182 299 1,473 Unemployment and workers' compensation, veterans' benefits............................. 327 b/ 134 b/ 294 b/ 189 575 575 397 351 270 Public assistance, supplemental security income, food stamps............................ 329 1,287 1,937 1,302 760 760 169 b/ 106 77 Regular contributions for support............... 477 339 442 642 407 407 682 475 448 Other income.................................... 123 b/ 463 b/ 73 b/ 199 189 189 b/ 55 95 117 Personal taxes................................... 2,534 -537 -788 -666 -849 -849 324 1,078 5,688 Federal income taxes............................ 1,696 -557 -791 -730 -932 -932 -10 565 4,123 State and local income taxes.................... 672 -6 -15 37 49 49 226 373 1,294 Other taxes..................................... 166 b/ 26 b/ 18 b/ 27 34 34 107 141 272 Income after taxes............................... 70,572 5,833 13,422 18,154 25,782 25,782 44,316 58,647 112,870 Addenda: Net change in total assets and liabilities....... -25,634 -1,114 790 2,790 -15,718 -15,718 -15,260 -20,528 -42,211 Net change in total assets...................... 10,116 2,821 1,426 3,643 -3,054 -3,054 5,806 7,556 18,247 Net change in total liabilities................. 35,751 3,935 636 853 12,664 12,664 21,066 28,085 60,458 Other financial information: Other money receipts............................ 276 b/ 223 b/ 338 b/ 41 b/ 52 b/ 52 22 316 397 Mortgage principal paid on owned property....... -2,741 -1,123 -343 -482 -650 -650 -1,528 -2,171 -4,555 Estimated market value of owned home............ 171,257 56,344 41,195 33,998 48,351 48,351 99,694 141,869 278,279 Estimated monthly rental value of owned home.... 998 373 296 299 349 349 663 902 1,519 Gifts of goods and services...................... 1,085 530 373 447 557 557 518 900 1,678 Food............................................ 76 b/ 65 b/ 27 b/ 7 22 22 b/ 25 46 134 Alcoholic beverages............................. 24 b/ 11 b/ 11 b/ 12 b/ 5 b/ 5 15 28 37 Housing......................................... 265 102 b/ 77 48 146 146 146 241 402 Housekeeping supplies.......................... 67 b/ 32 b/ 3 b/ 11 34 34 28 95 93 Household textiles............................. 20 b/ 4 d/ b/ 4 b/ 28 b/ 28 b/ 10 26 26 Appliances and miscellaneous housewares.................................... 34 e/ e/ e/ b/ 14 b/ 14 b/ 51 17 58 Major appliances.............................. 19 e/ e/ e/ e/ e/ b/ 47 b/ 4 33 Small appliances and miscellaneous housewares................................... 15 e/ e/ e/ b/ 14 b/ 14 b/ 4 b/ 13 25 Miscellaneous household equipment.............. 64 b/ 6 b/ 3 b/ 19 b/ 34 b/ 34 23 66 95 Other housing.................................. 79 b/ 60 b/ 70 b/ 16 b/ 35 b/ 35 34 38 130 Apparel and services............................ 305 134 202 200 208 208 174 318 412 Males, 2 and over.............................. 75 b/ 26 b/ 46 b/ 13 19 19 37 95 100 Females, 2 and over............................ 123 b/ 77 b/ 56 b/ 13 89 89 41 127 187 Children under 2............................... 59 b/ 5 b/ 53 b/ 141 59 59 71 53 61 Other apparel products and services............ 48 b/ 26 b/ 47 b/ 33 b/ 41 b/ 41 b/ 26 42 64 Jewelry and watches........................... 10 b/ 1 b/ 1 b/ 1 b/ 2 b/ 2 b/ 10 6 14 All other apparel products and services....... 39 b/ 25 b/ 46 b/ 32 b/ 39 b/ 39 b/ 15 36 50 Transportation.................................. 59 b/ 12 5 b/ 6 b/ 116 b/ 116 21 15 83 Health care..................................... 16 b/ 11 e/ b/ 5 b/ 10 b/ 10 b/ 18 b/ 17 21 Entertainment................................... 66 b/ 8 b/ 33 b/ 25 b/ 28 b/ 28 50 67 93 Toys, games, arts and crafts, and tricycles.... 20 b/ 1 b/ 6 b/ 12 b/ 7 b/ 7 b/ 11 16 30 Other entertainment............................ 46 b/ 7 b/ 27 b/ 13 b/ 22 b/ 22 39 50 63 Personal care products and services............. 33 b/ 30 b/ 2 b/ 1 11 11 13 21 59 Reading......................................... d/ e/ e/ e/ d/ d/ d/ d/ 1 Education....................................... 182 b/ 20 e/ b/ 30 b/ 3 b/ 3 b/ 24 71 378 All other gifts................................. 56 b/ 137 b/ 16 b/ 114 b/ 7 b/ 7 31 76 58 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 Data are likely to have large sampling errors. c Value less than 0.05. d Value less than 0.5. e No data reported.