Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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 over Number of consumer units (in thousands)...... 14,708 503 726 1,158 1,132 2,348 2,065 1,741 2,535 2,500 Income before taxes a/ ...................... $43,966 $1,790 $7,594 $12,434 $17,113 $24,701 $34,330 $44,114 $58,061 $101,455 Income after taxes a/ ....................... 41,015 1,937 7,746 12,708 17,126 23,692 32,481 41,468 53,916 92,407 Age of the reference person.................. 29.8 29.4 29.4 29.2 29.5 29.5 29.7 29.8 29.9 30.6 Average number in consumer unit: Persons..................................... 2.9 2.8 2.5 2.9 2.7 2.8 2.8 2.8 3.0 3.0 Children under 18........................... 1.1 1.4 1.3 1.4 1.2 1.2 1.0 1.0 1.1 1.0 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.5 1.0 .8 1.2 1.2 1.4 1.5 1.6 1.8 1.9 Vehicles.................................... 1.8 1.0 .8 1.2 1.3 1.5 1.8 2.0 2.3 2.4 Percent distribution: Male........................................ 56 34 33 38 45 55 57 65 65 64 Female...................................... 44 66 67 62 55 45 43 35 35 36 Homeowner................................... 45 20 19 22 24 35 43 47 60 73 With mortgage.............................. 39 12 5 13 17 26 36 43 56 69 Without mortgage........................... 7 8 13 9 8 9 7 4 5 4 Renter...................................... 55 80 81 78 76 65 57 53 40 27 Black....................................... 14 23 25 27 21 14 13 12 10 8 White and other............................. 86 77 75 73 79 86 87 88 90 92 Elementary (1-8)............................ 3 5 5 6 6 4 4 2 1 1 High school (9-12).......................... 35 49 54 51 45 42 34 34 27 18 College..................................... 62 47 40 42 49 54 62 65 73 81 Never attended and other.................... c/ d/ c/ c/ d/ c/ c/ d/ c/ d/ At least one vehicle owned or leased........ 89 62 58 79 79 91 93 95 97 97 Average annual expenditures.................. $40,001 $21,292 $17,133 $22,527 $24,693 $28,765 $34,615 $41,641 $48,023 $70,199 Food........................................ 5,485 3,355 3,603 3,583 4,052 4,673 5,004 5,780 6,192 7,762 Food at home............................. 3,020 2,010 2,296 2,517 2,642 2,887 2,638 3,110 3,407 3,671 Cereals and bakery products............ 444 260 330 342 378 431 387 480 506 537 Cereals and cereal products.......... 174 107 142 138 157 192 164 186 188 180 Bakery products...................... 271 153 188 204 221 238 224 295 318 357 Meats, poultry, fish, and eggs......... 782 605 567 733 768 780 720 745 834 905 Beef................................. 239 149 178 252 245 208 264 257 242 249 Pork................................. 154 92 101 145 162 182 128 134 176 165 Other meats.......................... 100 65 54 118 98 104 83 85 123 109 Poultry.............................. 151 168 112 123 132 157 133 132 154 195 Fish and seafood..................... 105 84 86 66 97 99 81 109 105 154 Eggs................................. 32 46 35 28 36 29 31 27 33 32 Dairy products......................... 333 234 287 259 233 306 302 354 396 396 Fresh milk and cream................. 136 91 140 119 100 125 132 141 158 147 Other dairy products................. 197 143 147 139 132 181 170 213 237 250 Fruits and vegetables.................. 490 397 413 422 455 459 411 463 527 639 Fresh fruits......................... 145 117 134 127 140 130 124 113 157 199 Fresh vegetables..................... 150 108 114 135 132 149 124 151 155 198 Processed fruits..................... 111 115 90 82 90 101 95 107 130 141 Processed vegetables................. 84 56 75 77 93 79 68 92 85 101 Other food at home..................... 971 514 700 762 808 911 818 1,068 1,145 1,193 Sugar and other sweets............... 106 54 94 72 64 102 94 118 135 124 Fats and oils........................ 79 57 72 72 76 87 67 86 85 82 Miscellaneous foods.................. 495 206 314 336 418 446 433 534 596 636 Nonalcoholic beverages............... 256 178 207 261 229 252 203 294 283 290 Food prepared by consumer unit on out-of-town trips................... 34 e/ 19 e/ 13 20 20 24 21 35 45 61 Food away from home.................... 2,466 1,345 1,307 1,066 1,410 1,786 2,365 2,670 2,785 4,091 Alcoholic beverages......................... 448 284 247 282 292 324 374 364 485 832 Housing..................................... 13,084 7,644 5,977 8,031 7,849 9,439 11,478 13,396 15,591 22,794 Shelter.................................. 7,822 4,953 3,379 4,735 4,742 5,583 7,005 8,184 9,118 13,730 Owned dwellings........................ 4,048 1,185 473 1,099 930 1,734 2,977 3,912 5,572 10,052 Mortgage interest and charges........ 2,813 654 e/ 216 584 553 1,149 2,016 2,961 3,913 7,062 Property taxes....................... 742 273 188 337 209 300 500 587 974 1,915 Maintenance, repairs, insurance,other expenses............................ 493 258 e/ 69 179 168 284 462 364 684 1,076 Rented dwellings....................... 3,525 3,527 2,838 3,538 3,722 3,729 3,871 4,095 3,280 3,004 Other lodging.......................... 249 e/ 241 e/ 68 98 90 121 157 177 266 674 Utilities, fuels, and public services.... 2,295 1,561 1,497 1,793 1,894 1,997 2,199 2,323 2,635 3,087 Natural gas............................ 254 152 157 160 192 194 233 264 317 375 Electricity............................ 810 592 613 747 736 772 761 787 913 959 Fuel oil and other fuels............... 53 e/ 32 e/ 21 e/ 61 e/ 27 44 45 67 51 80 Telephone services..................... 945 690 613 680 790 795 938 962 1,053 1,311 Water and other public services........ 234 95 93 145 149 191 221 242 301 362 Household operations..................... 867 336 309 421 407 422 488 708 1,145 2,110 Personal services...................... 645 229 229 329 317 310 345 536 885 1,540 Other household expenses............... 222 106 80 93 90 112 143 172 259 571 Housekeeping supplies.................... 501 211 470 265 224 323 387 598 653 789 Laundry and cleaning supplies.......... 135 58 89 77 89 124 123 128 183 168 Other household products............... 237 112 338 118 105 137 174 267 318 369 Postage and stationery................. 129 e/ 40 44 69 30 62 90 203 152 252 Household furnishings and equipment...... 1,599 585 321 818 583 1,115 1,398 1,583 2,041 3,078 Household textiles..................... 117 e/ 34 e/ 15 122 24 105 107 85 150 199 Furniture.............................. 481 260 114 202 152 331 331 503 609 1,030 Floor coverings........................ 40 e/ 1 e/ 4 e/ 26 6 15 55 27 51 90 Major appliances....................... 180 104 e/ 28 104 48 152 166 169 294 249 Small appliances, miscellaneous housewares............................ 89 28 30 33 28 63 106 93 112 140 Miscellaneous household equipment...... 691 158 129 330 325 449 635 707 824 1,371 Apparel and services........................ 2,217 1,786 1,154 1,477 1,305 1,727 2,146 1,971 2,398 3,663 Men and boys............................. 566 635 224 290 323 409 601 468 552 1,013 Men, 16 and over....................... 421 328 132 152 171 274 478 351 384 862 Boys, 2 to 15.......................... 145 307 92 138 152 135 123 117 168 150 Women and girls.......................... 757 494 369 654 379 549 688 707 807 1,311 Women, 16 and over..................... 615 330 278 538 270 396 548 607 656 1,128 Girls, 2 to 15......................... 142 163 91 116 109 153 140 100 151 183 Children under 2......................... 169 79 175 104 111 111 139 195 201 263 Footwear................................. 414 e/ 407 208 249 304 423 456 316 500 481 Other apparel products and services...... 311 171 178 180 187 235 261 285 338 595 Transportation.............................. 7,982 4,626 2,826 4,724 5,518 5,641 7,096 8,703 9,152 14,014 Vehicle purchases (net outlay)........... 3,919 2,488 e/ 1,302 2,521 2,978 2,582 3,381 4,401 4,077 7,243 Cars and trucks, new................... 1,638 e/ 265 e/ 632 e/ 450 e/ 897 905 1,255 1,677 1,392 4,319 Cars and trucks, used.................. 2,194 2,223 670 2,042 2,081 1,626 1,980 2,722 2,626 2,660 Other vehicles......................... 86 d/ d/ e/ 29 d/ e/ 51 e/ 146 e/ 2 e/ 59 264 Gasoline and motor oil................... 1,229 613 511 851 929 1,049 1,165 1,275 1,548 1,738 Other vehicle expenses................... 2,445 1,292 866 1,189 1,415 1,770 2,225 2,643 3,092 4,193 Vehicle finance charges................ 431 142 73 141 241 309 399 499 673 660 Maintenance and repairs................ 608 424 300 422 431 474 592 644 714 898 Vehicle insurance...................... 764 312 254 398 496 636 774 867 967 1,128 Vehicle rental, leases, licenses, other charges.............................. 642 414 239 228 246 351 459 633 738 1,507 Public transportation.................... 390 232 148 163 196 240 325 383 434 840 Health care................................. 1,265 443 387 827 810 1,068 1,128 1,431 1,734 1,789 Health insurance......................... 635 204 155 380 437 543 612 723 860 885 Medical services......................... 372 157 101 254 193 343 292 427 515 537 Drugs.................................... 185 63 98 140 144 139 169 203 243 247 Medical supplies......................... 73 e/ 18 e/ 32 52 36 44 55 77 116 120 Entertainment............................... 1,959 761 854 1,173 1,045 1,344 1,504 2,106 2,536 3,528 Fees and admissions...................... 473 165 177 185 178 274 326 486 595 1,066 Television, radios, sound equipment...... 687 397 347 507 493 532 626 704 846 1,034 Pets, toys, and playground equipment..... 384 158 193 214 273 268 289 429 534 603 Other entertainment supplies, equipment,and services.................. 414 42 137 267 102 270 262 488 561 824 Personal care products and services......... 578 373 329 366 431 423 492 673 699 861 Reading..................................... 126 51 37 63 58 93 107 126 165 234 Education................................... 544 871 604 249 631 421 318 658 518 802 Tobacco products and smoking supplies....... 309 266 259 301 275 328 333 326 330 282 Miscellaneous............................... 834 306 379 308 490 682 907 950 1,112 1,198 Cash contributions.......................... 746 e/ 240 e/ 61 241 518 374 552 613 910 1,822 Personal insurance and pensions............. 4,423 285 416 902 1,419 2,227 3,177 4,544 6,199 10,618 Life and other personal insurance........ 239 131 75 86 85 155 151 196 366 503 Pensions and Social Security............. 4,183 154 341 817 1,334 2,072 3,026 4,348 5,833 10,115 Sources of income and personal taxes: a/ Money income before taxes.................. 43,966 1,790 7,594 12,434 17,113 24,701 34,330 44,114 58,061 101,455 Wages and salaries....................... 41,050 1,783 3,922 9,050 14,508 22,689 32,730 41,356 55,681 95,661 Self-employment income................... 1,275 -1,148 e/ 151 518 545 599 586 1,824 1,365 3,503 Social Security, private and government retirement................... 432 e/ 119 1,181 728 539 325 192 e/ 57 255 828 Interest, dividends, rental income, other property income................... 239 e/ 5 7 41 60 99 51 257 169 870 Unemployment and workers'' compensation, veterans'' benefits..................... 160 e/ 14 e/ 81 134 212 261 238 139 120 93 Public assistance, supplemental security, income, food stamps..................... 355 702 1,730 1,209 741 217 203 82 e/ 61 61 Regular contributions for support........ 296 141 330 531 333 326 199 275 295 259 Other income............................. 159 e/ 174 194 223 175 184 129 124 114 180 Personal taxes............................. 2,951 -147 -151 -275 -13 1,009 1,849 2,645 4,145 9,048 Federal income taxes..................... 2,261 -132 -171 -337 -136 708 1,385 1,991 3,187 7,172 State and local income taxes............. 621 -27 20 36 99 277 419 599 851 1,707 Other taxes.............................. 68 e/ 12 c/ 27 24 24 44 55 107 169 Income after taxes......................... 41,015 1,937 7,746 12,708 17,126 23,692 32,481 41,468 53,916 92,407 Net change in total assets and liabilities... -286 -285 1,184 930 -3,024 -664 -2,724 -337 -2,878 4,994 Net change in total assets............... 9,878 1,789 2,252 918 237 4,017 5,574 6,453 7,432 36,167 Net change in total liabilities.......... 10,164 2,073 1,067 -12 3,260 4,681 8,298 6,790 10,310 31,173 Other financial information: Other money receipts..................... 845 e/ 36 e/ 265 47 73 116 118 182 917 3,570 Mortgage principal paid on owned property................................ -856 -233 e/ -88 -227 -300 -393 -1,222 -709 -1,018 -1,817 Estimated market value of owned home..... 53,874 17,803 12,587 18,988 15,210 25,677 39,531 47,496 68,566 134,688 Estimated monthly rental value of owned home.................................... 418 138 103 150 141 218 329 393 558 954 Gifts of goods and services................. 785 512 374 419 355 647 800 819 903 1,239 Food..................................... 42 e/ 84 e/ 15 e/ 14 e/ 5 36 26 64 55 59 Alcoholic beverages...................... 28 e/ 22 d/ e/ 5 e/ 4 14 15 17 37 75 Housing.................................. 241 103 116 178 128 195 202 189 325 394 Housekeeping supplies.................. 44 e/ 25 e/ 17 e/ 21 e/ 5 24 34 40 67 81 Household textiles..................... 8 d/ d/ e/ 9 c/ e/ 6 e/ 4 e/ 6 e/ 13 e/ 16 Appliances and miscellaneous housewares........................... 23 e/ 4 e/ 1 e/ 13 e/ 5 e/ 5 26 20 41 38 Major appliances..................... 4 e/ 2 d/ e/ 3 d/ e/ 3 e/ 1 e/ 3 e/ 13 e/ 2 Small appliances and miscellaneous housewares......................... 19 e/ 2 e/ 1 e/ 10 e/ 5 e/ 2 25 17 28 36 Miscellaneous household equipment...... 54 e/ 4 10 70 40 28 63 47 39 112 Other housing.......................... 112 71 88 64 77 132 74 76 166 146 Apparel and services..................... 230 191 177 102 100 230 232 225 245 343 Males, 2 and over...................... 54 e/ 84 e/ 14 e/ 29 26 52 41 63 43 101 Females, 2 and over.................... 63 e/ 17 e/ 64 e/ 18 18 49 75 48 63 113 Children under 2....................... 50 e/ 8 e/ 73 26 19 35 58 65 54 71 Other apparel products and services.... 63 e/ 82 e/ 27 e/ 29 e/ 36 94 58 49 85 57 Jewelry and watches.................. 36 e/ 31 e/ 16 e/ 8 e/ 28 61 42 25 49 27 All other apparel products and services............................ 26 e/ 51 e/ 11 e/ 21 e/ 8 e/ 32 e/ 16 e/ 24 36 e/ 30 Transportation........................... 28 17 8 7 20 12 50 25 26 47 Health care.............................. 8 d/ c/ e/ 9 e/ 5 e/ 8 e/ 6 e/ 11 e/ 11 e/ 13 Entertainment............................ 84 e/ 22 e/ 29 31 45 74 84 74 104 143 Toys, games, hobbies, and tricycles.... 27 e/ 9 e/ 14 e/ 5 18 28 21 32 34 41 Other entertainment.................... 57 13 15 27 26 46 63 41 70 101 Personal care products and services...... 19 e/ 8 e/ 5 e/ 2 e/ 1 20 17 47 22 20 Reading.................................. 1 d/ e/ 1 d/ c/ 1 1 2 2 1 Education................................ 41 e/ 14 e/ 13 e/ 42 e/ 30 27 18 110 30 56 All other gifts.......................... 62 50 e/ 11 29 17 31 149 57 48 88 a Components of income and taxes are derived from "complete income reporters" only; see glossary. 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. n.a. Not applicable.