Table 37. Consumer units of two 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)........... 34,780 845 1,232 1,972 2,428 4,768 4,338 3,755 5,962 9,480 Consumer unit characteristics: Income before taxes a/ .......................... $57,377 $106 $7,852 $12,663 $17,631 $24,707 $34,800 $44,663 $59,152 $119,081 Income after taxes a/ ........................... 54,152 53 7,892 12,764 17,553 22,219 33,889 43,415 56,400 111,142 Age of reference person.......................... 53.0 47.5 51.7 53.6 59.9 57.8 54.5 53.3 50.3 50.2 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 .6 .9 .8 .6 .5 .4 .2 Earners......................................... 1.3 .7 .6 .7 .6 .8 1.1 1.3 1.5 1.7 Vehicles........................................ 2.2 1.2 1.2 1.4 1.6 1.9 2.1 2.3 2.5 2.7 Percent distribution: Sex of reference person: Male............................................ 54 40 40 39 51 51 53 54 58 61 Female.......................................... 46 60 60 61 49 49 47 46 42 39 Housing tenure: Homeowner....................................... 75 46 50 54 68 69 72 75 79 88 With mortgage.................................. 40 19 15 16 18 23 31 38 51 62 Without mortgage............................... 35 27 36 38 50 47 42 37 28 27 Renter.......................................... 25 54 50 46 32 31 28 25 21 12 Race of reference person: Black or African-American....................... 9 25 25 18 13 12 9 8 7 4 White, Asian, and All Other Races............... 91 75 75 82 87 88 91 92 93 96 Education of reference person: Elementary (1-8)................................ 5 6 12 13 16 9 4 3 1 c/ High school (9-12).............................. 36 43 49 50 50 49 47 41 33 16 College......................................... 59 51 38 36 34 42 48 57 66 84 Never attended and other........................ c/ c/ 1 1 1 c/ c/ d/ c/ d/ At least one vehicle owned or leased............. 94 70 70 81 88 92 96 97 98 98 Average annual expenditures....................... $45,821 $24,059 $19,496 $22,196 $24,361 $29,869 $34,116 $39,101 $47,814 $76,232 Food............................................. 5,763 4,192 3,101 3,539 3,728 4,273 4,842 5,345 5,959 8,392 Food at home.................................... 3,278 2,560 2,183 2,571 2,576 2,695 2,986 3,359 3,388 4,114 Cereals and bakery products.................... 438 391 314 342 359 387 420 465 454 508 Cereals and cereal products................... 139 133 106 117 118 127 137 146 138 157 Bakery products............................... 299 258 208 226 240 261 283 319 316 352 Meats, poultry, fish, and eggs................. 858 600 590 670 647 716 779 926 921 1,045 Beef.......................................... 258 155 174 179 186 205 216 280 324 309 Pork.......................................... 180 137 116 180 130 180 189 207 169 196 Other meats................................... 105 84 78 86 92 79 90 116 108 129 Poultry....................................... 143 117 100 108 121 119 124 136 145 186 Fish and seafood.............................. 133 75 86 84 80 93 117 146 138 184 Eggs.......................................... 40 32 37 33 38 39 44 41 37 42 Dairy products................................. 351 290 229 273 288 300 318 369 353 433 Fresh milk and cream.......................... 125 111 106 121 122 120 119 132 123 134 Other dairy products.......................... 226 179 123 152 166 179 200 237 230 299 Fruits and vegetables.......................... 579 453 398 496 475 461 545 557 579 739 Fresh fruits.................................. 194 145 134 153 164 155 180 190 186 252 Fresh vegetables.............................. 195 144 128 171 154 148 180 171 190 264 Processed fruits.............................. 107 79 69 102 83 90 104 104 113 128 Processed vegetables.......................... 84 85 68 69 73 68 81 91 90 95 Other food at home............................. 1,052 826 652 789 808 832 924 1,042 1,081 1,388 Sugar and other sweets........................ 130 117 71 99 113 102 113 131 127 170 Fats and oils................................. 90 81 61 75 73 82 86 106 87 102 Miscellaneous foods........................... 498 356 305 368 381 382 422 481 526 672 Nonalcoholic beverages........................ 284 246 191 217 220 241 265 291 286 354 Food prepared by consumer unit on out-of-town trips............................ 51 e/ 27 25 29 22 26 38 34 56 90 Food away from home............................. 2,484 1,632 918 967 1,151 1,578 1,856 1,987 2,571 4,278 Alcoholic beverages.............................. 557 312 221 227 164 283 308 486 575 1,051 Housing.......................................... 13,916 8,674 7,092 8,082 8,352 9,550 10,701 11,995 14,052 22,215 Shelter......................................... 7,813 5,114 3,928 4,399 4,372 5,205 5,704 6,411 7,952 12,894 Owned dwellings................................ 5,268 2,219 1,710 1,730 2,440 2,888 3,368 4,040 5,455 9,897 Mortgage interest and charges................. 2,581 943 632 608 738 1,132 1,327 1,873 2,852 5,276 Property taxes................................ 1,505 681 595 696 810 990 1,102 1,220 1,463 2,625 Maintenance, repairs, insurance, other expenses..................................... 1,182 595 483 427 892 766 939 947 1,140 1,996 Rented dwellings............................... 1,927 2,740 2,071 2,524 1,740 2,083 2,041 1,974 1,944 1,601 Other lodging.................................. 618 155 148 144 192 234 295 396 553 1,396 Utilities, fuels, and public services........... 2,969 2,083 2,147 2,315 2,400 2,522 2,712 2,947 3,137 3,683 Natural gas.................................... 414 294 282 275 354 379 390 416 416 515 Electricity.................................... 1,090 828 895 948 952 966 1,000 1,069 1,133 1,289 Fuel oil and other fuels....................... 132 e/ 62 101 134 122 110 148 120 135 150 Telephone services............................. 991 678 655 729 712 797 862 975 1,088 1,290 Water and other public services................ 342 220 214 229 260 270 313 368 366 438 Household operations............................ 592 320 189 274 348 395 381 448 539 1,082 Personal services.............................. 82 e/ 75 e/ 45 92 148 90 72 73 66 84 Other household expenses....................... 509 245 144 182 200 304 309 374 473 999 Housekeeping supplies........................... 657 309 304 380 494 474 581 587 640 985 Laundry and cleaning supplies.................. 149 113 108 133 157 128 139 125 143 185 Other household products....................... 329 148 107 167 199 227 297 269 310 536 Postage and stationery......................... 179 47 89 80 137 119 145 194 187 264 Household furnishings and equipment............. 1,886 848 525 715 739 954 1,323 1,602 1,784 3,570 Household textiles............................. 189 43 72 53 81 92 122 185 156 366 Furniture...................................... 476 210 136 208 187 180 264 371 493 951 Floor coverings................................ 65 e/ 56 e/ 3 28 14 17 27 74 70 130 Major appliances............................... 239 97 111 109 163 129 228 204 221 397 Small appliances, miscellaneous housewares.................................... 125 50 37 53 67 76 102 120 115 214 Miscellaneous household equipment.............. 792 392 165 262 228 460 579 649 729 1,513 Apparel and services............................. 1,733 1,098 861 1,061 846 852 1,144 1,466 1,485 3,213 Men and boys.................................... 362 274 176 187 190 186 213 305 309 678 Men, 16 and over............................... 327 236 112 154 163 160 181 271 268 643 Boys, 2 to 15.................................. 35 38 64 32 26 26 32 34 42 35 Women and girls................................. 735 345 371 467 339 348 536 611 600 1,372 Women, 16 and over............................. 687 295 317 429 308 313 497 568 546 1,311 Girls, 2 to 15................................. 48 50 54 38 31 35 39 43 54 62 Children under 2................................ 43 59 46 40 34 24 30 32 39 68 Footwear........................................ 273 e/ 305 134 229 176 182 175 253 290 408 Other apparel products and services............. 321 116 134 138 107 112 189 264 247 687 Transportation................................... 8,502 4,191 3,450 3,873 4,403 5,684 6,312 7,526 10,234 13,272 Vehicle purchases (net outlay).................. 3,913 1,749 1,500 1,623 1,708 2,466 2,594 3,223 5,060 6,344 Cars and trucks, new........................... 2,337 e/ 848 e/ 551 950 776 1,403 1,252 1,594 2,726 4,407 Cars and trucks, used.......................... 1,480 900 949 658 931 1,062 1,337 1,508 2,160 1,749 Other vehicles................................. 96 d/ d/ e/ 15 d/ e/ 1 e/ 5 e/ 121 174 188 Gasoline and motor oil.......................... 1,535 935 824 931 1,025 1,192 1,375 1,565 1,825 1,988 Other vehicle expenses.......................... 2,527 1,293 966 1,148 1,460 1,734 2,081 2,431 2,878 3,819 Vehicle finance charges........................ 361 154 101 126 122 207 297 354 473 563 Maintenance and repairs........................ 705 338 306 386 501 497 587 633 784 1,047 Vehicle insurance.............................. 987 519 381 505 658 772 912 1,052 1,134 1,315 Vehicle rental, leases, licenses, other charges....................................... 474 282 178 131 179 257 285 392 487 895 Public transportation........................... 528 214 160 170 210 292 261 307 472 1,121 Health care...................................... 3,197 1,681 1,717 2,049 2,894 3,224 3,413 3,318 3,234 3,652 Health insurance................................ 1,630 814 987 1,137 1,619 1,745 1,702 1,802 1,665 1,710 Medical services................................ 747 297 272 405 401 582 782 690 761 1,088 Drugs........................................... 671 490 391 426 757 757 782 702 645 656 Medical supplies................................ 149 79 67 80 117 139 148 124 162 197 Entertainment.................................... 2,593 1,002 814 854 919 1,963 1,985 2,010 2,671 4,532 Fees and admissions............................. 551 164 135 142 137 246 314 366 557 1,161 Television, radios, sound equipment............. 774 402 434 447 475 563 659 757 850 1,114 Pets, toys, hobbies, and playground equipment... 465 252 178 182 190 464 356 396 449 734 Other entertainment supplies, equipment, and services................................... 803 184 67 82 118 689 656 491 815 1,524 Personal care products and services.............. 615 357 247 308 382 428 466 571 651 964 Reading.......................................... 162 59 65 64 86 103 125 152 160 277 Education........................................ 694 393 366 461 217 282 280 413 619 1,488 Tobacco products and smoking supplies............ 318 308 289 337 305 325 338 357 347 274 Miscellaneous.................................... 737 599 503 299 434 531 649 637 787 1,100 Cash contributions............................... 1,891 760 318 361 692 979 1,095 1,350 1,584 4,053 Personal insurance and pensions.................. 5,141 431 450 683 939 1,393 2,458 3,475 5,457 11,750 Life and other personal insurance............... 502 176 177 214 354 290 367 420 523 859 Pensions and Social Security.................... 4,639 255 272 469 585 1,103 2,091 3,055 4,934 10,890 Sources of income and personal taxes: a/ Money income before taxes........................ 57,377 106 7,852 12,663 17,631 24,707 34,800 44,663 59,152 119,081 Wages and salaries.............................. 41,974 1,807 2,601 4,773 5,874 11,503 20,908 29,710 44,993 95,580 Self-employment income.......................... 2,894 -4,112 -176 333 345 563 701 1,509 2,246 8,234 Social Security, private and government retirement..................................... 9,811 1,410 3,453 5,696 10,219 11,266 11,455 11,655 9,873 9,883 Interest, dividends, rental income, other property income................................ 1,771 55 170 84 186 540 915 1,016 1,261 4,520 Unemployment and workers' compensation, veterans' benefits............................. 255 e/ 68 e/ 102 196 201 197 253 358 349 247 Public assistance, supplemental security income, food stamps............................ 226 504 1,298 1,118 372 231 191 68 e/ 58 e/ 19 Regular contributions for support............... 293 198 248 318 333 326 312 253 261 303 Other income.................................... 153 e/ 175 156 146 102 80 66 92 111 293 Personal taxes................................... 3,225 53 -40 -102 78 2,488 911 1,248 2,753 7,939 Federal income taxes............................ 2,431 2 -111 -189 -19 2,235 476 770 2,011 6,065 State and local income taxes.................... 552 -30 4 -4 23 105 187 264 495 1,467 Other taxes..................................... 242 e/ 82 68 90 74 148 248 213 247 407 Income after taxes............................... 54,152 53 7,892 12,764 17,553 22,219 33,889 43,415 56,400 111,142 Addenda: Net change in total assets and liabilities....... -9,180 4,060 -4,958 361 -2,462 -870 -332 -6,784 -8,978 -23,920 Net change in total assets...................... 7,470 8,248 -494 1,294 317 3,628 7,037 6,154 7,478 14,200 Net change in total liabilities................. 16,651 4,187 4,465 933 2,779 4,498 7,369 12,939 16,456 38,120 Other financial information: Other money receipts............................ 756 e/ 320 e/ 675 1,714 195 186 632 563 721 1,191 Mortgage principal paid on owned property....... -1,770 -639 -471 -445 -542 -791 -874 -1,248 -1,706 -3,780 Estimated market value of owned home............ 145,510 65,358 58,563 70,699 86,362 100,417 114,796 121,097 138,839 245,266 Estimated monthly rental value of owned home.... 839 463 383 450 529 641 669 731 840 1,312 Gifts of goods and services...................... 1,475 447 365 564 501 560 798 870 1,203 3,311 Food............................................ 118 e/ 13 11 35 e/ 25 59 65 39 90 283 Alcoholic beverages............................. 23 e/ 15 e/ 8 e/ 11 e/ 21 10 8 10 30 43 Housing......................................... 342 78 80 161 127 156 190 249 251 742 Housekeeping supplies.......................... 65 e/ 11 e/ 23 28 20 35 49 62 52 123 Household textiles............................. 23 e/ 2 e/ 12 e/ 12 18 8 14 8 20 48 Appliances and miscellaneous housewares.................................... 45 e/ 4 e/ 6 e/ 12 e/ 12 20 30 39 29 98 Major appliances.............................. 14 e/ 3 d/ e/ 2 e/ 2 e/ 5 7 21 4 33 Small appliances and miscellaneous housewares................................... 31 c/ e/ 6 e/ 10 e/ 10 15 24 18 25 65 Miscellaneous household equipment.............. 96 e/ 26 10 36 30 52 57 55 81 208 Other housing.................................. 114 36 29 73 47 42 39 85 70 266 Apparel and services............................ 310 194 151 230 153 125 210 271 284 562 Males, 2 and over.............................. 87 36 54 58 67 37 55 64 73 163 Females, 2 and over............................ 119 e/ 28 42 112 40 45 74 113 103 226 Children under 2............................... 38 e/ 11 24 18 29 21 27 29 36 67 Other apparel products and services............ 66 e/ 118 e/ 31 e/ 42 18 23 53 66 73 106 Jewelry and watches........................... 21 e/ 3 e/ 5 e/ 2 e/ 4 5 21 15 32 36 All other apparel products and services....... 45 e/ 115 e/ 26 e/ 40 e/ 14 17 32 51 41 70 Transportation.................................. 51 e/ 3 14 6 7 13 56 53 69 85 Health care..................................... 41 e/ 11 e/ 4 e/ 6 e/ 29 25 32 23 42 76 Entertainment................................... 104 e/ 46 e/ 34 42 47 60 83 80 101 187 Toys, games, arts and crafts, and tricycles.... 40 e/ 18 e/ 20 20 18 25 36 41 46 60 Other entertainment............................ 64 e/ 28 e/ 14 22 29 35 47 39 56 127 Personal care products and services............. 23 e/ 30 e/ 5 e/ 8 10 19 12 25 27 36 Reading......................................... 2 e/ 1 c/ c/ c/ 1 2 2 3 4 Education....................................... 339 e/ 10 e/ 17 e/ 26 e/ 22 44 36 61 215 1,032 All other gifts................................. 122 47 41 40 61 49 105 56 90 261 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.