Table 28. Consumer units with reference person age 45 to 54 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)...... 15,628 444 723 824 786 1,636 1,917 1,661 2,806 4,830 Income before taxes a/ ...................... $59,351 - $1,294 $7,662 $12,240 $17,157 $24,683 $34,388 $44,262 $58,467 $114,932 Income after taxes a/ ....................... 54,302 -1,683 7,681 12,144 16,574 23,863 32,177 41,081 53,930 103,627 Age of the reference person.................. 49.3 49.7 49.7 49.2 49.1 49.2 49.4 49.3 49.2 49.2 Average number in consumer unit: Persons..................................... 2.7 2.2 2.1 2.3 2.4 2.5 2.3 2.5 2.9 3.1 Children under 18........................... .6 .6 .5 .5 .6 .6 .5 .5 .6 .7 Persons 65 and over......................... b/ b/ b/ .1 .1 b/ b/ b/ b/ b/ Earners..................................... 1.8 .9 .8 1.1 1.3 1.4 1.6 1.7 2.1 2.3 Vehicles.................................... 2.4 1.3 1.1 1.6 1.5 1.9 2.2 2.3 2.7 3.2 Percent distribution: Male........................................ 57 48 37 47 42 48 53 58 60 67 Female...................................... 43 52 63 53 58 52 47 42 40 33 Homeowner................................... 75 43 36 47 52 61 68 74 86 93 With mortgage.............................. 54 24 13 24 23 36 48 58 63 76 Without mortgage........................... 20 19 23 22 29 25 21 16 23 17 Renter...................................... 25 57 64 53 48 39 32 26 14 7 Black....................................... 12 24 32 26 20 13 14 12 7 7 White and other............................. 88 76 68 74 80 87 86 88 93 93 Elementary (1-8)............................ 4 11 17 9 9 6 5 3 2 1 High school (9-12).......................... 33 48 46 56 46 41 39 33 34 19 College..................................... 62 41 37 35 43 51 56 64 63 80 Never attended and other.................... c/ d/ 1 c/ 1 1 1 c/ c/ c/ At least one vehicle owned or leased........ 92 68 58 79 85 92 95 96 97 97 Average annual expenditures.................. $49,411 $21,475 $18,708 $22,487 $23,740 $30,706 $36,874 $42,819 $49,327 $78,928 Food........................................ 6,440 3,095 3,345 3,676 3,389 4,755 5,134 6,023 6,715 9,236 Food at home............................. 3,718 2,127 2,437 2,516 2,404 3,268 3,183 3,673 3,756 4,814 Cereals and bakery products............ 568 272 402 357 361 478 464 547 566 765 Cereals and cereal products.......... 185 81 171 142 142 159 144 186 182 237 Bakery products...................... 383 191 230 215 220 319 320 361 384 528 Meats, poultry, fish, and eggs......... 956 555 723 686 666 941 831 978 918 1,180 Beef................................. 281 172 212 197 173 293 214 280 255 367 Pork................................. 198 118 182 143 161 209 199 208 186 219 Other meats.......................... 121 85 70 98 98 128 104 115 131 140 Poultry.............................. 172 82 121 138 118 159 155 188 185 202 Fish and seafood..................... 146 77 100 71 79 107 122 149 127 212 Eggs................................. 38 22 36 38 37 46 36 39 33 40 Dairy products......................... 391 231 268 256 256 340 344 376 383 513 Fresh milk and cream................. 149 109 102 111 112 138 145 146 144 181 Other dairy products................. 242 122 165 145 144 202 199 230 239 332 Fruits and vegetables.................. 632 338 409 441 422 554 539 625 619 827 Fresh fruits......................... 190 80 113 141 119 172 164 188 176 255 Fresh vegetables..................... 195 89 125 114 142 174 174 201 186 254 Processed fruits..................... 140 83 89 112 93 112 114 125 148 186 Processed vegetables................. 107 86 83 74 69 95 86 110 110 132 Other food at home..................... 1,171 732 635 775 697 955 1,005 1,148 1,269 1,530 Sugar and other sweets............... 149 89 81 80 131 121 133 138 167 189 Fats and oils........................ 102 68 74 60 77 98 90 114 101 122 Miscellaneous foods.................. 542 349 259 399 293 414 435 524 574 742 Nonalcoholic beverages............... 324 184 204 218 177 287 313 330 375 386 Food prepared by consumer unit on out-of-town trips................... 54 e/ 42 e/ 17 18 19 35 34 42 52 92 Food away from home.................... 2,722 968 909 1,160 985 1,487 1,951 2,351 2,959 4,421 Alcoholic beverages......................... 412 230 128 293 151 252 349 291 352 689 Housing..................................... 14,662 8,535 6,898 7,793 8,072 9,687 11,691 13,124 14,044 22,380 Shelter.................................. 8,513 5,112 3,986 4,365 4,548 5,594 6,915 7,711 7,813 13,162 Owned dwellings........................ 6,117 2,490 1,610 1,759 1,706 2,977 4,409 5,211 6,122 10,637 Mortgage interest and charges........ 3,663 1,513 897 850 720 1,568 2,428 3,334 3,717 6,515 Property taxes....................... 1,378 614 461 549 440 778 1,124 1,060 1,410 2,274 Maintenance, repairs, insurance,other expenses............................ 1,076 363 251 360 546 631 857 816 995 1,848 Rented dwellings....................... 1,658 2,378 2,261 2,464 2,640 2,424 2,239 2,095 1,114 880 Other lodging.......................... 738 244 115 142 202 193 266 406 576 1,645 Utilities, fuels, and public services.... 2,826 1,943 1,733 2,051 2,132 2,275 2,491 2,710 2,990 3,580 Natural gas............................ 321 176 152 229 229 273 278 281 339 427 Electricity............................ 1,036 830 701 794 850 847 894 988 1,109 1,272 Fuel oil and other fuels............... 99 e/ 65 e/ 62 101 79 77 94 86 102 124 Telephone services..................... 1,020 709 666 729 734 802 943 1,013 1,063 1,279 Water and other public services........ 350 163 152 199 240 276 281 343 378 478 Household operations..................... 613 248 187 286 143 302 284 508 501 1,179 Personal services...................... 151 e/ 15 e/ 87 e/ 121 e/ 17 96 84 143 141 252 Other household expenses............... 462 233 100 164 125 206 200 365 360 927 Housekeeping supplies.................... 633 297 283 358 226 484 588 575 690 888 Laundry and cleaning supplies.......... 153 111 133 102 69 137 125 152 185 183 Other household products............... 313 129 106 183 119 222 314 277 339 446 Postage and stationery................. 167 e/ 57 44 73 38 125 150 147 167 259 Household furnishings and equipment...... 2,078 936 710 733 1,024 1,032 1,413 1,619 2,050 3,571 Household textiles..................... 169 26 92 89 32 127 100 98 217 270 Furniture.............................. 495 329 64 172 347 184 391 264 427 919 Floor coverings........................ 58 e/ 1 e/ 34 e/ 10 e/ 19 9 35 72 49 107 Major appliances....................... 237 181 124 104 186 120 155 217 183 397 Small appliances, miscellaneous housewares............................ 145 70 93 42 59 74 90 107 117 262 Miscellaneous household equipment...... 973 328 304 315 380 518 642 861 1,058 1,615 Apparel and services........................ 2,391 545 1,012 1,109 1,234 1,848 1,943 1,845 2,146 3,849 Men and boys............................. 608 121 169 185 258 442 442 514 576 1,016 Men, 16 and over....................... 509 e/ 61 119 155 170 376 358 436 504 855 Boys, 2 to 15.......................... 99 60 50 30 88 66 84 78 73 161 Women and girls.......................... 965 149 428 478 493 798 793 731 886 1,521 Women, 16 and over..................... 826 125 346 274 404 686 714 639 787 1,297 Girls, 2 to 15......................... 138 24 82 204 90 113 79 92 98 224 Children under 2......................... 59 e/ 62 31 38 42 35 65 64 60 74 Footwear................................. 413 e/ 70 272 e/ 266 275 384 393 324 381 575 Other apparel products and services...... 346 143 113 142 165 188 250 212 242 663 Transportation.............................. 9,090 3,820 2,826 4,401 4,751 6,070 7,223 8,668 9,814 13,505 Vehicle purchases (net outlay)........... 4,082 e/ 1,289 e/ 1,251 1,959 2,110 2,797 3,328 4,124 4,574 5,879 Cars and trucks, new................... 1,827 d/ e/ 501 e/ 145 e/ 226 1,043 1,650 1,727 2,007 3,005 Cars and trucks, used.................. 2,199 1,284 733 1,786 1,868 1,732 1,675 2,324 2,464 2,795 Other vehicles......................... 56 e/ 5 e/ 16 e/ 28 e/ 15 e/ 22 e/ 4 e/ 73 e/ 103 e/ 79 Gasoline and motor oil................... 1,489 820 549 950 876 1,103 1,278 1,424 1,687 2,004 Other vehicle expenses................... 3,044 1,576 870 1,304 1,592 1,925 2,333 2,846 3,173 4,689 Vehicle finance charges................ 428 138 94 153 177 255 385 453 494 620 Maintenance and repairs................ 883 495 298 507 454 644 668 825 853 1,343 Vehicle insurance...................... 1,049 725 328 456 649 735 906 976 1,175 1,467 Vehicle rental, leases, licenses, other charges.............................. 684 219 150 189 312 291 375 592 650 1,259 Public transportation.................... 476 135 156 187 173 245 283 274 380 932 Health care................................. 2,231 1,412 966 1,383 1,220 1,505 1,831 2,250 2,337 3,143 Health insurance......................... 947 530 475 508 536 642 790 1,061 1,064 1,255 Medical services......................... 741 479 207 321 255 399 548 702 685 1,234 Drugs.................................... 422 349 259 492 386 372 411 396 434 471 Medical supplies......................... 121 e/ 54 e/ 25 62 44 93 82 92 154 182 Entertainment............................... 2,378 1,114 679 1,110 823 1,277 1,855 1,702 2,631 3,891 Fees and admissions...................... 661 271 102 166 171 205 273 422 586 1,379 Television, radios, sound equipment...... 751 391 322 521 404 550 598 709 843 1,034 Pets, toys, and playground equipment..... 425 216 188 134 164 288 309 341 472 663 Other entertainment supplies, equipment,and services.................. 541 236 66 288 84 234 675 230 729 815 Personal care products and services......... 688 295 496 337 371 596 508 621 662 996 Reading..................................... 203 81 68 64 78 111 145 170 207 343 Education................................... 1,083 565 215 225 188 398 560 441 974 2,276 Tobacco products and smoking supplies....... 403 400 407 469 458 453 394 423 404 362 Miscellaneous............................... 1,130 288 903 368 632 643 804 1,018 1,088 1,799 Cash contributions.......................... 1,670 e/ 636 312 180 759 630 855 1,036 1,267 3,498 Personal insurance and pensions............. 6,631 460 454 1,080 1,614 2,481 3,582 5,206 6,686 12,962 Life and other personal insurance........ 594 196 144 292 216 259 326 399 515 1,144 Pensions and Social Security............. 6,037 264 310 788 1,398 2,222 3,255 4,806 6,171 11,817 Sources of income and personal taxes: a/ Money income before taxes.................. 59,351 -1,294 7,662 12,240 17,157 24,683 34,388 44,262 58,467 114,932 Wages and salaries....................... 51,518 1,622 2,663 6,785 11,812 18,906 30,323 39,193 53,369 100,143 Self-employment income................... 3,925 -4,251 e/ 174 811 876 1,650 1,196 2,335 2,011 9,779 Social Security, private and government retirement................... 1,892 269 2,935 3,094 2,542 2,266 1,319 1,610 1,617 1,932 Interest, dividends, rental income, other property income................... 898 126 e/ 30 264 520 203 483 333 657 2,004 Unemployment and workers'' compensation, veterans'' benefits..................... 288 e/ 130 321 208 312 573 296 316 255 219 Public assistance, supplemental security, income, food stamps..................... 311 594 1,294 858 878 555 258 106 166 46 Regular contributions for support........ 290 e/ 63 e/ 119 e/ 72 115 382 446 231 227 367 Other income............................. 228 e/ 152 e/ 126 e/ 149 e/ 103 149 66 140 166 442 Personal taxes............................. 5,048 389 -19 97 584 820 2,211 3,182 4,537 11,305 Federal income taxes..................... 3,940 299 -92 2 375 562 1,655 2,405 3,397 9,025 State and local income taxes............. 901 44 14 33 98 183 457 604 932 1,895 Other taxes.............................. 207 e/ 46 59 62 111 75 99 172 208 384 Income after taxes......................... 54,302 -1,683 7,681 12,144 16,574 23,863 32,177 41,081 53,930 103,627 Net change in total assets and liabilities... 2,769 88,738 5,294 -3,685 6,333 -280 -1,916 -9,202 1,765 2,594 Net change in total assets............... 9,701 89,393 5,433 -204 4,886 5,594 3,126 -856 6,599 14,914 Net change in total liabilities.......... 6,932 655 139 3,481 -1,447 5,873 5,042 8,346 4,834 12,320 Other financial information: Other money receipts..................... 742 e/ 2,222 791 e/ 36 411 676 267 849 529 1,071 Mortgage principal paid on owned property................................ -1,922 -642 -367 -401 -757 -827 -1,165 -1,600 -1,658 -3,656 Estimated market value of owned home..... 106,847 54,767 30,877 42,479 39,227 56,875 71,628 82,599 107,424 183,916 Estimated monthly rental value of owned home.................................... 738 342 227 309 342 424 556 616 762 1,194 Gifts of goods and services................. 1,796 580 614 843 537 897 1,101 1,005 1,555 3,442 Food..................................... 162 e/ 16 e/ 14 e/ 25 e/ 28 59 60 66 89 394 Alcoholic beverages...................... 17 e/ 7 e/ 10 e/ 17 e/ 3 e/ 7 24 11 11 26 Housing.................................. 440 130 109 181 141 216 274 295 401 824 Housekeeping supplies.................. 53 e/ 15 e/ 14 e/ 18 e/ 20 39 56 38 67 76 Household textiles..................... 30 d/ e/ 12 e/ 15 e/ 1 e/ 22 10 e/ 7 42 54 Appliances and miscellaneous housewares........................... 54 e/ 5 e/ 17 e/ 3 e/ 4 19 34 73 43 98 Major appliances..................... 16 e/ 4 d/ d/ d/ e/ 4 8 42 5 27 Small appliances and miscellaneous housewares......................... 38 e/ 1 e/ 17 e/ 3 e/ 4 e/ 15 26 30 37 70 Miscellaneous household equipment...... 89 19 24 70 22 52 68 53 67 166 Other housing.......................... 214 e/ 91 42 75 94 84 107 124 182 431 Apparel and services..................... 351 71 153 359 192 179 294 242 312 571 Males, 2 and over...................... 95 e/ 16 e/ 28 e/ 44 65 66 99 71 89 148 Females, 2 and over.................... 147 e/ 18 42 e/ 179 56 65 98 82 117 272 Children under 2....................... 46 e/ 23 25 37 37 25 38 51 48 63 Other apparel products and services.... 61 e/ 14 e/ 59 e/ 99 e/ 33 23 58 39 59 88 Jewelry and watches.................. 20 e/ 5 e/ 1 e/ 4 e/ 24 8 20 16 21 31 All other apparel products and services............................ 41 e/ 9 e/ 58 e/ 94 e/ 9 e/ 16 e/ 38 e/ 23 38 57 Transportation........................... 93 18 12 26 14 125 27 42 110 157 Health care.............................. 47 e/ 52 e/ 6 e/ 8 e/ 1 e/ 16 e/ 11 e/ 13 33 110 Entertainment............................ 119 e/ 69 30 36 45 83 94 123 125 182 Toys, games, hobbies, and tricycles.... 38 e/ 28 e/ 12 e/ 22 e/ 17 40 36 48 44 41 Other entertainment.................... 81 41 18 e/ 14 28 43 58 75 81 140 Personal care products and services...... 22 e/ 10 29 e/ 52 e/ 12 26 11 24 13 24 Reading.................................. 3 c/ e/ 1 d/ c/ 1 1 2 3 5 Education................................ 429 e/ 180 e/ 70 e/ 112 e/ 67 110 220 112 377 950 All other gifts.......................... 114 27 179 26 34 76 84 75 80 198 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.