Table 38. Consumer units of three persons 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)........... 16,722 280 509 743 861 1,864 1,795 1,695 3,046 5,929 Consumer unit characteristics: Income before taxes a/ .......................... $65,202 - $2,645 $7,857 $12,553 $17,524 $24,947 $34,801 $44,745 $59,223 $117,631 Income after taxes a/ ........................... 62,791 -2,272 8,053 13,046 18,352 25,493 34,544 43,968 57,558 111,598 Age of reference person.......................... 44.0 38.5 42.1 42.6 40.0 42.1 43.8 43.4 44.2 45.9 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 1.3 1.3 1.2 1.0 1.0 .8 .8 .7 .6 Persons 65 and over............................. .2 b/ .1 .3 .2 .2 .2 .2 .2 .2 .1 Earners......................................... 1.8 .9 .7 .9 1.3 1.4 1.6 1.8 1.9 2.1 Vehicles........................................ 2.4 1.3 .9 1.2 1.4 1.6 2.0 2.4 2.7 3.0 Percent distribution: Sex of reference person: Male............................................ 47 22 23 26 30 33 45 49 53 57 Female.......................................... 53 78 77 74 70 67 55 51 47 43 Housing tenure: Homeowner....................................... 70 36 35 37 35 47 61 71 78 90 With mortgage.................................. 52 21 9 18 20 29 42 53 58 74 Without mortgage............................... 18 15 26 19 15 18 19 18 19 16 Renter.......................................... 30 64 65 63 65 53 39 29 22 10 Race of reference person: Black or African-American....................... 14 33 38 30 24 24 18 13 9 6 White, Asian, and All Other Races............... 86 67 62 70 76 76 82 87 91 94 Education of reference person: Elementary (1-8)................................ 4 11 10 13 13 8 6 4 2 1 High school (9-12).............................. 38 55 58 60 53 51 48 47 36 22 College......................................... 58 34 32 26 34 41 46 49 62 77 Never attended and other........................ c/ d/ 1 1 c/ c/ c/ c/ c/ d/ At least one vehicle owned or leased............. 92 70 65 70 83 88 92 95 98 98 Average annual expenditures....................... $50,578 $28,642 $18,660 $23,425 $25,043 $29,621 $35,360 $40,523 $48,730 $76,663 Food............................................. 6,712 5,763 4,412 4,599 4,499 4,833 5,938 5,953 6,553 8,750 Food at home.................................... 3,903 3,955 3,056 3,277 3,284 3,295 3,595 3,480 3,949 4,556 Cereals and bakery products.................... 543 550 460 512 475 478 522 498 546 604 Cereals and cereal products................... 185 209 213 185 166 169 204 165 178 192 Bakery products............................... 358 341 247 328 309 309 318 334 368 412 Meats, poultry, fish, and eggs................. 1,047 1,195 962 985 968 924 962 892 1,067 1,170 Beef.......................................... 325 342 310 293 310 273 298 265 352 360 Pork.......................................... 215 253 216 237 240 224 185 189 213 221 Other meats................................... 121 158 84 123 120 104 111 96 118 141 Poultry....................................... 185 275 150 176 130 160 186 168 191 203 Fish and seafood.............................. 154 115 154 109 126 116 125 133 143 201 Eggs.......................................... 46 51 48 47 42 47 56 41 49 43 Dairy products................................. 423 408 282 280 328 369 441 381 437 487 Fresh milk and cream.......................... 165 174 126 116 139 158 183 156 169 177 Other dairy products.......................... 257 234 156 164 189 211 258 225 269 310 Fruits and vegetables.......................... 634 625 446 515 527 530 615 561 622 753 Fresh fruits.................................. 200 163 134 144 138 152 196 184 182 257 Fresh vegetables.............................. 208 246 144 179 185 178 201 163 207 246 Processed fruits.............................. 127 110 93 98 95 114 119 121 127 149 Processed vegetables.......................... 99 105 75 94 108 86 98 94 107 102 Other food at home............................. 1,257 1,176 905 985 986 994 1,055 1,148 1,277 1,542 Sugar and other sweets........................ 146 127 110 119 103 119 130 126 147 181 Fats and oils................................. 102 101 92 97 115 86 91 97 98 114 Miscellaneous foods........................... 626 527 368 440 510 468 506 576 633 798 Nonalcoholic beverages........................ 345 395 332 308 247 309 310 330 368 377 Food prepared by consumer unit on out-of-town trips............................ 38 b/ 27 b/ 3 b/ 20 b/ 11 13 18 19 30 72 Food away from home............................. 2,809 1,809 1,356 1,322 1,216 1,538 2,343 2,473 2,604 4,193 Alcoholic beverages.............................. 453 278 b/ 116 116 167 210 371 319 429 739 Housing.......................................... 16,023 10,695 7,241 9,259 9,268 10,334 11,419 13,002 15,220 23,344 Shelter......................................... 9,030 5,903 3,858 5,253 5,209 5,784 6,417 7,170 8,377 13,328 Owned dwellings................................ 6,250 2,654 1,032 1,685 1,484 2,200 3,271 4,636 5,935 10,931 Mortgage interest and charges................. 3,731 1,568 b/ 423 914 802 1,283 1,987 2,876 3,641 6,483 Property taxes................................ 1,488 763 433 421 335 515 796 1,014 1,386 2,617 Maintenance, repairs, insurance, other expenses..................................... 1,032 323 175 350 347 402 489 746 908 1,831 Rented dwellings............................... 2,241 2,947 2,784 3,494 3,697 3,493 2,979 2,345 2,078 1,230 Other lodging.................................. 538 b/ 302 b/ 42 b/ 74 b/ 28 91 167 188 363 1,166 Utilities, fuels, and public services........... 3,405 2,310 2,362 2,471 2,383 2,716 2,901 3,260 3,509 4,168 Natural gas.................................... 475 347 294 323 288 330 403 447 491 611 Electricity.................................... 1,233 1,017 1,037 1,056 938 1,084 1,081 1,213 1,220 1,431 Fuel oil and other fuels....................... 129 b/ 74 b/ 49 b/ 48 84 83 123 135 127 172 Telephone services............................. 1,193 666 749 838 844 960 991 1,109 1,265 1,473 Water and other public services................ 374 206 232 207 228 259 304 357 407 482 Household operations............................ 1,016 598 158 373 443 469 604 648 901 1,735 Personal services.............................. 520 b/ 345 b/ 95 224 321 298 345 371 519 796 Other household expenses....................... 496 253 62 148 122 171 259 277 382 939 Housekeeping supplies........................... 694 715 352 384 397 411 536 769 711 922 Laundry and cleaning supplies.................. 178 196 155 131 137 128 175 217 174 200 Other household products....................... 343 457 146 203 193 183 247 389 363 456 Postage and stationery......................... 172 61 b/ 51 49 67 100 115 163 174 266 Household furnishings and equipment............. 1,879 1,169 511 779 836 954 959 1,155 1,722 3,192 Household textiles............................. 144 b/ 208 b/ 47 90 69 56 75 70 120 252 Furniture...................................... 484 60 199 280 136 260 187 279 377 878 Floor coverings................................ 62 b/ 19 b/ 1 b/ 6 b/ 4 21 17 34 35 134 Major appliances............................... 244 b/ 54 b/ 44 61 104 271 121 115 296 351 Small appliances, miscellaneous housewares.................................... 126 212 44 38 53 67 117 72 77 212 Miscellaneous household equipment.............. 819 615 176 303 469 280 443 586 816 1,365 Apparel and services............................. 2,171 1,975 1,484 1,615 1,549 1,481 1,788 1,414 1,938 3,091 Men and boys.................................... 477 248 194 342 276 234 489 298 439 713 Men, 16 and over............................... 371 161 b/ 73 193 143 125 394 220 343 600 Boys, 2 to 15.................................. 106 87 121 149 133 110 95 78 95 113 Women and girls................................. 869 931 544 565 547 617 673 602 831 1,226 Women, 16 and over............................. 738 731 460 448 420 489 561 497 722 1,067 Girls, 2 to 15................................. 131 200 85 117 128 128 112 105 109 159 Children under 2................................ 146 b/ 182 125 105 149 132 107 108 124 189 Footwear........................................ 386 b/ 491 520 492 432 351 398 203 361 420 Other apparel products and services............. 293 125 100 112 144 147 121 202 183 543 Transportation................................... 9,829 4,914 2,048 3,780 4,182 5,793 6,744 8,671 10,084 14,715 Vehicle purchases (net outlay).................. 4,547 b/ 2,122 b/ 449 1,403 1,535 2,479 2,687 4,230 4,744 7,047 Cars and trucks, new........................... 2,260 b/ 1,012 b/ 274 d/ d/ b/ 350 723 1,394 2,237 4,425 Cars and trucks, used.......................... 2,215 b/ 953 b/ 175 1,403 1,512 2,128 1,951 2,757 2,392 2,515 Other vehicles................................. 72 b/ 158 d/ d/ b/ 24 d/ b/ 13 b/ 78 b/ 114 106 Gasoline and motor oil.......................... 1,828 948 769 1,079 1,211 1,333 1,577 1,696 1,973 2,339 Other vehicle expenses.......................... 2,981 1,452 691 1,123 1,327 1,767 2,246 2,481 3,064 4,430 Vehicle finance charges........................ 472 181 b/ 88 112 156 279 341 442 565 670 Maintenance and repairs........................ 775 582 189 295 369 462 660 621 789 1,126 Vehicle insurance.............................. 1,188 504 272 601 665 812 963 1,079 1,220 1,650 Vehicle rental, leases, licenses, other charges....................................... 546 185 141 114 138 213 282 339 490 984 Public transportation........................... 474 b/ 391 139 174 109 215 235 265 304 900 Health care...................................... 2,743 1,092 944 1,107 1,250 1,831 2,269 2,656 2,931 3,760 Health insurance................................ 1,421 428 483 464 582 955 1,279 1,443 1,554 1,905 Medical services................................ 731 402 133 225 354 451 494 589 731 1,117 Drugs........................................... 475 209 304 354 261 365 406 504 531 569 Medical supplies................................ 116 b/ 54 b/ 23 b/ 65 54 60 89 120 114 169 Entertainment.................................... 2,387 1,540 741 904 1,053 1,201 1,551 1,741 2,236 3,846 Fees and admissions............................. 581 471 82 106 112 201 231 353 449 1,116 Television, radios, sound equipment............. 934 519 422 507 541 667 736 758 952 1,294 Pets, toys, hobbies, and playground equipment... 463 272 160 155 213 232 435 374 438 698 Other entertainment supplies, equipment, and services................................... 409 278 77 135 187 101 149 256 396 738 Personal care products and services.............. 644 399 314 379 329 365 457 532 600 968 Reading.......................................... 132 41 23 27 45 58 76 89 132 225 Education........................................ 980 b/ 150 181 186 394 294 398 395 689 1,982 Tobacco products and smoking supplies............ 366 210 267 398 474 385 403 420 403 310 Miscellaneous.................................... 737 672 470 220 241 351 415 665 872 1,072 Cash contributions............................... 1,328 204 157 169 367 602 607 917 1,215 2,390 Personal insurance and pensions.................. 6,073 708 263 664 1,224 1,884 2,925 3,748 5,431 11,471 Life and other personal insurance............... 495 b/ 271 b/ 43 108 97 191 262 313 369 933 Pensions and Social Security.................... 5,578 437 220 556 1,127 1,692 2,663 3,435 5,062 10,538 Sources of income and personal taxes: a/ Money income before taxes........................ 65,202 -2,645 7,857 12,553 17,524 24,947 34,801 44,745 59,223 117,631 Wages and salaries.............................. 56,036 3,741 2,498 6,758 12,273 19,339 29,187 37,756 51,900 102,649 Self-employment income.......................... 3,172 b/ -7,797 b/ 77 b/ 86 b/ 555 726 801 1,022 1,861 7,499 Social Security, private and government retirement..................................... 3,658 b/ 364 1,740 2,585 2,482 3,269 3,564 4,466 3,613 4,228 Interest, dividends, rental income, other property income................................ 916 b/ -233 b/ 9 b/ 14 33 40 177 268 539 2,166 Unemployment and workers' compensation, veterans' benefits............................. 335 b/ 117 b/ 96 b/ 379 531 276 366 376 342 327 Public assistance, supplemental security income, food stamps............................ 375 763 2,680 1,688 872 511 301 248 151 53 Regular contributions for support............... 547 b/ 152 575 697 541 660 358 516 616 540 Other income.................................... 163 b/ 249 b/ 183 b/ 347 b/ 237 126 b/ 48 b/ 94 202 169 Personal taxes................................... 2,411 -373 -196 -493 -828 -546 258 777 1,665 6,034 Federal income taxes............................ 1,662 -370 -234 -487 -869 -679 34 343 1,074 4,466 State and local income taxes.................... 562 b/ -47 -8 -14 11 88 140 262 428 1,223 Other taxes..................................... 187 b/ 44 b/ 46 b/ 8 29 45 83 171 163 345 Income after taxes............................... 62,791 -2,272 8,053 13,046 18,352 25,493 34,544 43,968 57,558 111,598 Addenda: Net change in total assets and liabilities....... -11,838 -12,376 -311 2,191 -5,269 -2,667 -6,227 -16,844 -8,518 -20,371 Net change in total assets...................... 12,002 93 -582 2,763 2,621 2,932 6,005 5,867 9,239 24,005 Net change in total liabilities................. 23,840 12,470 -271 573 7,889 5,599 12,232 22,711 17,757 44,375 Other financial information: Other money receipts............................ 870 b/ 20 b/ 63 b/ 55 b/ 136 195 220 110 407 2,054 Mortgage principal paid on owned property....... -2,073 -841 b/ -333 -421 -315 -522 -859 -1,330 -1,864 -3,917 Estimated market value of owned home............ 139,791 74,166 32,872 33,393 42,193 51,182 80,000 97,536 127,060 244,155 Estimated monthly rental value of owned home.... 838 406 248 279 258 354 530 656 798 1,381 Gifts of goods and services...................... 1,362 218 252 495 799 373 695 701 1,119 2,547 Food............................................ 109 b/ 23 b/ 6 b/ 12 b/ 7 15 86 54 84 215 Alcoholic beverages............................. 21 b/ 12 b/ 8 b/ 10 b/ 16 b/ 6 21 b/ 6 10 41 Housing......................................... 310 b/ 81 b/ 55 154 187 120 143 173 240 572 Housekeeping supplies.......................... 71 b/ 16 b/ 5 b/ 25 b/ 25 38 32 42 66 127 Household textiles............................. 23 b/ 2 d/ b/ 1 b/ 11 b/ 3 b/ 9 b/ 16 25 42 Appliances and miscellaneous housewares.................................... 28 b/ 5 d/ b/ 5 b/ 11 b/ 5 24 b/ 19 18 53 Major appliances.............................. 5 d/ d/ d/ b/ 4 b/ 1 b/ 4 b/ 5 b/ 3 9 Small appliances and miscellaneous housewares................................... 23 b/ 5 d/ b/ 5 b/ 7 b/ 4 20 b/ 14 15 44 Miscellaneous household equipment.............. 77 b/ 9 b/ 1 b/ 63 b/ 84 23 18 46 101 120 Other housing.................................. 112 b/ 50 b/ 49 b/ 59 55 51 59 49 29 231 Apparel and services............................ 258 b/ 66 71 144 388 140 238 174 249 354 Males, 2 and over.............................. 62 b/ 19 b/ 6 b/ 43 b/ 41 18 62 45 53 100 Females, 2 and over............................ 81 b/ 11 b/ 11 b/ 42 131 50 49 53 107 103 Children under 2............................... 60 b/ 23 b/ 44 42 55 54 46 39 54 81 Other apparel products and services............ 55 b/ 14 b/ 10 b/ 17 b/ 160 b/ 18 80 38 36 70 Jewelry and watches........................... 16 b/ 1 b/ 10 b/ 1 b/ 16 b/ 1 b/ 5 b/ 7 10 33 All other apparel products and services....... 39 b/ 13 d/ b/ 16 b/ 145 b/ 17 b/ 75 b/ 31 b/ 26 36 Transportation.................................. 65 b/ 5 b/ 20 b/ 22 b/ 121 11 6 14 88 108 Health care..................................... 50 b/ 20 b/ 58 b/ 53 b/ 11 b/ 4 b/ 23 b/ 30 84 67 Entertainment................................... 82 b/ 7 b/ 28 b/ 30 b/ 26 37 40 28 73 151 Toys, games, arts and crafts, and tricycles.... 29 b/ 4 b/ 8 b/ 11 b/ 9 12 16 17 29 51 Other entertainment............................ 52 b/ 2 b/ 20 b/ 19 b/ 16 26 25 12 45 100 Personal care products and services............. 31 d/ d/ b/ 5 b/ 37 11 13 45 33 46 Reading......................................... 1 d/ d/ d/ d/ c/ c/ c/ b/ 0 1 Education....................................... 354 b/ 5 b/ 3 c/ b/ 4 b/ 8 b/ 81 61 172 866 All other gifts................................. 81 c/ b/ 3 b/ 64 b/ 2 21 44 116 86 124 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 0.5. d No data reported.