Table 38. Consumer units of three persons 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)...... 12,679 349 568 887 852 1,711 1,459 1,267 2,336 3,249 Income before taxes a/ ...................... $53,455 $2,497 $7,820 $12,504 $17,323 $24,447 $34,421 $44,266 $58,594 $111,294 Income after taxes a/ ....................... 49,787 2,577 8,075 12,771 17,416 24,099 33,143 42,025 54,663 101,288 Age of the reference person.................. 43.1 39.9 43.5 41.8 43.6 42.7 42.9 42.3 42.0 44.9 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 1.1 1.1 1.1 .9 .9 .8 .8 .7 .6 Persons 65 and over......................... .2 .2 .3 .3 .3 .3 .2 .1 .1 .1 Earners..................................... 1.8 1.0 1.0 1.2 1.4 1.5 1.8 1.9 2.0 2.2 Vehicles.................................... 2.4 1.4 1.2 1.4 1.6 1.9 2.3 2.5 2.7 3.1 Percent distribution: Male........................................ 54 32 23 35 41 47 55 59 61 67 Female...................................... 46 68 77 65 59 53 45 41 39 33 Homeowner................................... 67 34 38 43 41 54 65 68 78 90 With mortgage.............................. 49 18 13 19 22 29 42 53 62 76 Without mortgage........................... 18 15 25 24 20 25 23 15 16 14 Renter...................................... 33 66 62 57 59 46 35 32 22 10 Black....................................... 15 25 33 29 22 16 13 13 10 8 White and other............................. 85 75 67 71 78 84 87 87 90 92 Elementary (1-8)............................ 5 10 13 8 14 7 6 4 2 1 High school (9-12).......................... 41 50 62 57 52 52 47 41 35 23 College..................................... 54 39 25 34 34 40 46 54 63 76 Never attended and other.................... b/ 1 c/ b/ b/ 1 0 c/ c/ c/ At least one vehicle owned or leased........ 93 66 70 77 87 92 96 98 98 99 Average annual expenditures.................. $46,863 $25,756 $19,568 $22,067 $25,856 $31,916 $37,902 $42,996 $50,923 $76,282 Food........................................ 6,251 4,973 4,006 3,410 4,508 5,079 5,386 6,185 6,286 8,833 Food at home............................. 3,709 3,686 2,977 2,446 2,898 3,401 3,242 3,759 3,668 4,704 Cereals and bakery products............ 565 554 474 358 414 511 485 566 584 717 Cereals and cereal products.......... 194 208 191 129 155 189 172 208 201 221 Bakery products...................... 371 346 283 229 259 323 313 357 384 496 Meats, poultry, fish, and eggs......... 976 1,218 860 763 791 946 889 915 916 1,192 Beef................................. 302 273 239 202 237 288 308 277 265 390 Pork................................. 204 183 244 179 185 216 166 192 195 234 Other meats.......................... 121 200 78 117 87 128 119 103 124 134 Poultry.............................. 173 247 145 157 154 155 145 158 180 207 Fish and seafood..................... 137 250 113 69 89 122 113 146 117 189 Eggs................................. 38 65 41 39 40 38 38 39 35 38 Dairy products......................... 406 357 295 253 306 359 381 415 401 522 Fresh milk and cream................. 162 139 130 119 123 142 161 169 155 200 Other dairy products................. 244 218 164 134 183 217 221 246 246 322 Fruits and vegetables.................. 613 650 493 367 489 557 518 609 576 818 Fresh fruits......................... 182 243 150 108 131 170 158 162 158 253 Fresh vegetables..................... 186 162 154 112 146 162 161 188 175 252 Processed fruits..................... 138 126 108 76 113 124 114 133 147 179 Processed vegetables................. 107 118 80 71 100 102 85 126 97 133 Other food at home..................... 1,148 906 855 705 897 1,028 968 1,254 1,190 1,455 Sugar and other sweets............... 137 135 115 95 123 112 107 143 141 177 Fats and oils........................ 100 107 85 61 94 102 80 107 98 118 Miscellaneous foods.................. 547 358 359 279 400 492 453 585 574 727 Nonalcoholic beverages............... 320 279 284 247 268 286 299 380 327 357 Food prepared by consumer unit on out-of-town trips................... 45 d/ 28 d/ 13 23 12 36 29 39 51 76 Food away from home.................... 2,542 1,287 1,030 963 1,610 1,678 2,144 2,427 2,618 4,129 Alcoholic beverages......................... 403 151 104 134 221 226 306 272 392 780 Housing..................................... 14,327 9,577 7,218 7,998 8,919 9,731 11,418 12,958 15,094 22,888 Shelter.................................. 8,075 5,363 3,771 4,575 4,886 5,319 6,453 7,343 8,503 13,068 Owned dwellings........................ 5,448 1,742 1,176 1,920 1,653 2,452 3,704 4,539 6,204 10,725 Mortgage interest and charges........ 3,348 1,078 461 856 775 1,227 2,244 2,941 4,144 6,651 Property taxes....................... 1,157 456 396 448 501 577 799 855 1,260 2,239 Maintenance, repairs, insurance,other expenses............................ 944 207 318 616 377 648 660 742 800 1,835 Rented dwellings....................... 2,123 3,369 2,484 2,523 3,074 2,652 2,508 2,561 1,841 1,149 Other lodging.......................... 503 d/ 252 d/ 112 132 158 216 242 244 457 1,194 Utilities, fuels, and public services.... 2,778 2,128 2,238 2,156 2,222 2,401 2,598 2,604 2,891 3,526 Natural gas............................ 318 222 240 220 243 268 261 287 318 451 Electricity............................ 1,020 786 891 860 871 936 1,004 952 1,064 1,196 Fuel oil and other fuels............... 83 d/ 76 d/ 75 60 54 91 103 59 72 104 Telephone services..................... 1,018 885 823 779 818 825 937 975 1,059 1,309 Water and other public services........ 340 159 210 236 236 281 293 331 379 465 Household operations..................... 918 662 189 390 517 440 585 775 1,011 1,714 Personal services...................... 538 d/ 213 92 211 373 303 381 452 666 919 Other household expenses............... 380 448 97 178 144 136 203 323 345 794 Housekeeping supplies.................... 628 322 549 275 393 430 412 617 677 980 Laundry and cleaning supplies.......... 159 134 122 105 136 137 137 162 178 192 Other household products............... 311 166 350 108 205 204 177 270 321 520 Postage and stationery................. 158 d/ 23 78 62 52 89 97 185 179 269 Household furnishings and equipment...... 1,928 1,102 470 603 901 1,140 1,370 1,618 2,013 3,600 Household textiles..................... 150 73 27 22 99 125 89 116 195 247 Furniture.............................. 499 395 55 188 241 270 391 399 476 964 Floor coverings........................ 57 d/ 82 d/ 5 d/ 18 d/ 4 7 62 78 31 121 Major appliances....................... 216 d/ 39 105 114 140 156 136 228 214 369 Small appliances, miscellaneous housewares............................ 107 104 50 28 75 53 95 92 104 186 Miscellaneous household equipment...... 899 410 228 232 342 530 598 705 994 1,714 Apparel and services........................ 2,292 2,249 1,166 1,038 1,350 1,753 2,127 1,695 2,392 3,527 Men and boys............................. 549 408 204 113 296 415 547 380 619 868 Men, 16 and over....................... 429 d/ 120 98 70 139 287 415 264 516 747 Boys, 2 to 15.......................... 120 288 107 43 157 128 132 117 103 121 Women and girls.......................... 849 1,040 393 412 437 633 738 644 926 1,301 Women, 16 and over..................... 693 805 261 316 322 425 612 553 769 1,111 Girls, 2 to 15......................... 156 236 132 97 115 208 126 91 157 190 Children under 2......................... 162 85 216 143 120 111 160 149 148 218 Footwear................................. 407 d/ 446 221 199 325 394 504 280 439 484 Other apparel products and services...... 325 270 133 172 171 200 178 241 260 657 Transportation.............................. 9,447 3,446 3,037 4,842 5,006 6,780 8,043 10,589 10,890 14,183 Vehicle purchases (net outlay)........... 4,565 d/ 902 d/ 1,156 2,517 2,234 3,385 3,660 5,856 5,575 6,523 Cars and trucks, new................... 2,221 c/ d/ 187 d/ 371 d/ 200 1,507 1,522 2,304 3,056 3,908 Cars and trucks, used.................. 2,300 d/ 902 969 2,146 2,020 1,860 2,138 3,538 2,446 2,516 Other vehicles......................... 44 c/ c/ c/ d/ 14 d/ 17 c/ d/ 14 d/ 73 99 Gasoline and motor oil................... 1,464 827 691 863 988 1,132 1,440 1,490 1,659 1,992 Other vehicle expenses................... 2,965 1,498 1,067 1,212 1,606 1,978 2,607 2,899 3,299 4,756 Vehicle finance charges................ 471 152 121 140 270 298 469 555 618 662 Maintenance and repairs................ 790 362 364 406 549 580 661 914 816 1,180 Vehicle insurance...................... 1,007 505 395 416 602 775 937 988 1,203 1,455 Vehicle rental, leases, licenses, other charges.............................. 697 479 187 249 186 324 540 442 661 1,458 Public transportation.................... 453 219 123 250 178 286 335 344 358 912 Health care................................. 2,103 1,658 959 1,234 1,336 1,907 2,034 1,976 2,437 2,732 Health insurance......................... 984 829 427 606 630 935 975 1,057 1,119 1,200 Medical services......................... 634 457 277 287 322 562 580 466 794 905 Drugs.................................... 378 294 217 300 339 343 398 363 376 463 Medical supplies......................... 106 d/ 78 d/ 37 41 44 67 81 90 147 164 Entertainment............................... 2,337 1,354 717 932 1,100 1,639 2,054 1,868 3,085 3,556 Fees and admissions...................... 542 205 95 168 253 253 292 403 561 1,138 Television, radios, sound equipment...... 737 555 351 481 482 564 656 732 829 1,021 Pets, toys, and playground equipment..... 432 432 222 133 234 274 333 356 577 651 Other entertainment supplies, equipment,and services.................. 626 161 48 149 131 548 772 377 1,117 746 Personal care products and services......... 693 467 391 344 419 528 569 732 729 1,018 Reading..................................... 168 76 46 55 78 92 128 146 202 295 Education................................... 811 494 135 297 301 419 447 366 790 1,794 Tobacco products and smoking supplies....... 398 405 426 350 430 403 444 421 395 367 Miscellaneous............................... 1,023 472 513 374 582 712 947 927 982 1,716 Cash contributions.......................... 1,227 d/ 94 d/ 407 197 330 633 878 679 1,354 2,600 Personal insurance and pensions............. 5,383 340 443 862 1,278 2,014 3,122 4,182 5,894 11,992 Life and other personal insurance........ 488 205 149 209 186 264 364 360 488 957 Pensions and Social Security............. 4,895 135 294 653 1,092 1,751 2,758 3,822 5,406 11,034 Sources of income and personal taxes: a/ Money income before taxes.................. 53,455 2,497 7,820 12,504 17,323 24,447 34,421 44,266 58,594 111,294 Wages and salaries....................... 46,558 1,372 3,206 7,054 12,128 18,653 28,923 39,223 53,694 99,166 Self-employment income................... 2,575 d/ -518 d/ 243 536 d/ 272 912 1,052 1,264 1,544 7,287 Social Security, private and government retirement................... 2,600 476 2,368 2,914 3,296 3,825 2,956 2,682 2,014 2,183 Interest, dividends, rental income, other property income................... 540 d/ 5 d/ 49 111 60 131 257 212 415 1,486 Unemployment and workers'' compensation, veterans'' benefits..................... 194 d/ 36 d/ 61 115 129 147 292 241 192 235 Public assistance, supplemental security, income, food stamps..................... 349 743 1,453 1,337 885 259 232 d/ 106 100 76 Regular contributions for support........ 443 d/ 131 293 274 379 451 627 402 542 424 Other income............................. 198 d/ 252 d/ 147 162 174 68 82 137 92 437 Personal taxes............................. 3,667 -80 -255 -267 -93 348 1,278 2,241 3,931 10,005 Federal income taxes..................... 2,845 -93 -289 -286 -221 140 892 1,645 2,943 8,069 State and local income taxes............. 668 -22 -2 12 83 143 294 473 780 1,634 Other taxes.............................. 153 d/ 35 d/ 36 7 45 65 92 123 208 302 Income after taxes......................... 49,787 2,577 8,075 12,771 17,416 24,099 33,143 42,025 54,663 101,288 Net change in total assets and liabilities... 147 3,480 1,989 293 918 1,471 -1,054 -3,593 -5,052 4,263 Net change in total assets............... 8,897 1,520 2,275 903 1,673 6,199 7,401 7,654 4,307 20,806 Net change in total liabilities.......... 8,750 -1,960 286 610 755 4,728 8,455 11,248 9,359 16,543 Other financial information: Other money receipts..................... 838 d/ 2,701 d/ 138 d/ 53 822 303 1,259 419 1,223 956 Mortgage principal paid on owned property................................ -1,487 -571 -208 -541 -471 -567 -1,050 -1,141 -1,372 -3,230 Estimated market value of owned home..... 94,365 37,961 30,093 41,610 35,423 52,474 65,891 73,318 96,467 183,092 Estimated monthly rental value of owned home.................................... 657 268 237 301 279 401 475 561 718 1,178 Gifts of goods and services................. 1,346 832 660 478 546 974 733 735 1,270 2,705 Food..................................... 112 d/ 39 d/ 18 d/ 21 d/ 14 37 48 56 82 294 Alcoholic beverages...................... 19 d/ 12 d/ 4 d/ 15 d/ 7 d/ 9 10 d/ 8 28 34 Housing.................................. 359 323 126 99 181 288 193 231 353 680 Housekeeping supplies.................. 54 d/ 4 d/ 17 d/ 11 d/ 14 65 25 54 49 94 Household textiles..................... 34 c/ d/ 2 b/ d/ 1 d/ 50 d/ 4 d/ 23 38 68 Appliances and miscellaneous housewares........................... 31 c/ d/ 3 d/ 5 d/ 4 d/ 17 d/ 17 d/ 35 43 54 Major appliances..................... 9 c/ d/ 2 d/ 2 c/ d/ 2 d/ 2 d/ 16 d/ 19 12 Small appliances and miscellaneous housewares......................... 22 c/ d/ 2 d/ 3 d/ 4 d/ 15 d/ 15 d/ 19 24 42 Miscellaneous household equipment...... 64 d/ 10 d/ 23 19 18 44 45 41 49 137 Other housing.......................... 177 309 82 64 143 112 102 77 174 327 Apparel and services..................... 291 225 209 123 153 187 281 200 294 474 Males, 2 and over...................... 76 d/ 43 d/ 32 d/ 4 60 28 60 66 92 130 Females, 2 and over.................... 90 d/ 25 d/ 41 d/ 29 d/ 16 84 66 30 94 169 Children under 2....................... 73 d/ 11 135 45 43 42 80 68 50 113 Other apparel products and services.... 53 d/ 146 d/ 1 d/ 45 d/ 34 33 d/ 74 37 58 62 Jewelry and watches.................. 14 d/ 62 d/ 1 d/ 8 d/ 6 d/ 4 d/ 6 17 20 19 All other apparel products and services............................ 39 d/ 84 c/ d/ 38 d/ 28 d/ 29 d/ 68 d/ 20 d/ 38 43 Transportation........................... 61 9 2 86 17 9 15 25 55 147 Health care.............................. 35 c/ d/ 21 d/ 7 d/ 6 d/ 125 d/ 27 d/ 13 13 39 Entertainment............................ 117 85 d/ 37 46 50 161 52 69 155 168 Toys, games, hobbies, and tricycles.... 31 d/ 24 d/ 24 d/ 20 d/ 10 37 23 32 32 41 Other entertainment.................... 86 61 d/ 13 26 39 124 29 36 123 127 Personal care products and services...... 28 d/ 37 d/ 15 d/ 1 d/ 7 32 13 29 23 49 Reading.................................. 2 d/ 2 c/ b/ b/ 1 b/ 2 2 3 Education................................ 225 d/ 61 d/ 29 d/ 12 d/ 73 41 47 57 179 648 All other gifts.......................... 97 40 197 68 38 84 47 47 85 168 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.