Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 Complete reporting of income a/ 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)...... 92,388 3,882 7,051 8,007 7,068 12,312 10,727 8,873 13,521 20,947 Income before taxes b/ ...................... $49,430 $1,613 $7,725 $12,426 $17,328 $24,495 $34,423 $44,443 $58,933 $115,629 Income after taxes b/ ....................... 46,934 1,616 7,722 12,429 17,282 24,020 33,591 42,509 56,349 107,827 Age of the reference person.................. 48.1 38.9 51.1 55.9 53.0 50.4 47.7 46.4 45.3 45.4 Average number in consumer unit: Persons..................................... 2.5 1.7 1.7 1.8 2.1 2.3 2.5 2.6 2.8 3.1 Children under 18........................... .7 .4 .4 .4 .5 .6 .6 .7 .8 .9 Persons 65 and over......................... .3 .2 .4 .5 .5 .5 .3 .2 .2 .1 Earners..................................... 1.4 .9 .6 .7 .9 1.0 1.3 1.5 1.8 2.0 Vehicles.................................... 2.0 1.0 .9 1.2 1.4 1.6 2.0 2.1 2.5 2.9 Percent distribution: Male........................................ 51 42 33 34 41 49 53 54 59 63 Female...................................... 49 58 67 66 59 51 47 46 41 37 Homeowner................................... 66 30 39 51 54 58 64 69 78 88 With mortgage.............................. 40 13 11 12 16 26 36 47 57 72 Without mortgage........................... 25 18 28 39 38 32 27 23 20 16 Renter...................................... 34 70 61 49 46 42 36 31 22 12 Black....................................... 11 14 19 16 16 13 11 11 9 6 White and other............................. 89 86 81 84 84 87 89 89 91 94 Elementary (1-8)............................ 6 9 14 14 12 9 4 4 2 1 High school (9-12).......................... 37 33 50 51 48 46 43 36 33 20 College..................................... 56 58 35 35 39 45 52 59 66 79 Never attended and other.................... c/ c/ c/ c/ 1 c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 88 61 59 74 85 89 94 96 98 98 Average annual expenditures.................. $42,557 $19,699 $16,488 $20,918 $25,015 $28,836 $35,095 $41,787 $50,406 $76,627 Food........................................ 5,612 3,485 2,865 3,238 3,768 4,349 4,881 5,502 6,548 8,874 Food at home............................. 3,217 2,206 1,838 2,317 2,483 2,768 3,006 3,241 3,555 4,524 Cereals and bakery products............ 471 321 272 347 383 403 431 454 519 666 Cereals and cereal products.......... 161 133 102 120 135 140 147 156 174 219 Bakery products...................... 310 189 170 226 247 264 284 298 345 447 Meats, poultry, fish, and eggs......... 815 612 478 640 615 729 782 807 896 1,099 Beef................................. 238 171 135 175 175 213 251 220 263 325 Pork................................. 172 139 119 138 146 165 164 168 191 210 Other meats.......................... 103 68 60 93 88 95 87 103 115 136 Poultry.............................. 146 113 72 112 105 130 137 155 163 200 Fish and seafood..................... 121 92 68 91 72 89 108 126 127 188 Eggs................................. 35 29 23 31 31 36 34 35 36 40 Dairy products......................... 345 227 215 233 275 294 315 371 377 481 Fresh milk and cream................. 134 95 88 101 118 129 127 136 145 171 Other dairy products................. 210 132 127 133 157 164 189 235 232 309 Fruits and vegetables.................. 568 386 311 418 447 502 527 559 612 807 Fresh fruits......................... 181 126 100 129 139 161 168 176 184 264 Fresh vegetables..................... 181 122 96 134 140 166 164 175 200 256 Processed fruits..................... 119 84 63 90 93 104 112 114 131 170 Processed vegetables................. 87 53 52 65 76 72 84 93 97 117 Other food at home..................... 1,018 660 562 678 762 840 951 1,050 1,151 1,471 Sugar and other sweets............... 125 82 69 99 93 105 117 134 132 179 Fats and oils........................ 88 67 54 70 71 83 82 84 100 113 Miscellaneous foods.................. 495 292 271 309 373 403 456 522 571 719 Nonalcoholic beverages............... 266 199 153 179 210 220 254 269 302 373 Food prepared by consumer unit on out-of-town trips................... 44 20 15 21 15 30 42 41 45 87 Food away from home.................... 2,395 1,278 1,027 922 1,286 1,581 1,875 2,261 2,994 4,350 Alcoholic beverages......................... 415 197 174 155 192 275 346 433 453 780 Housing..................................... 13,481 6,776 6,073 7,100 8,540 9,595 11,240 13,159 15,276 23,695 Shelter.................................. 7,854 4,124 3,536 4,066 4,954 5,368 6,451 7,671 8,581 14,212 Owned dwellings........................ 5,148 1,506 1,164 1,588 2,165 2,511 3,547 4,720 6,047 11,502 Mortgage interest and charges........ 2,947 817 433 513 724 1,167 1,841 2,728 3,641 7,125 Property taxes....................... 1,209 422 393 589 728 690 846 1,030 1,335 2,515 Maintenance, repairs, insurance,other expenses............................ 992 267 339 486 713 654 860 962 1,070 1,862 Rented dwellings....................... 2,197 2,181 2,202 2,305 2,583 2,640 2,601 2,604 2,082 1,461 Other lodging.......................... 509 437 169 173 206 217 304 346 452 1,249 Utilities, fuels, and public services.... 2,683 1,451 1,558 1,889 2,068 2,316 2,526 2,749 3,126 3,782 Natural gas............................ 323 158 164 221 237 279 319 340 342 485 Electricity............................ 973 533 638 727 823 883 931 999 1,130 1,273 Fuel oil and other fuels............... 90 51 55 87 91 83 84 71 93 122 Telephone services..................... 968 572 542 630 666 800 899 999 1,169 1,405 Water and other public services........ 329 137 160 225 252 271 293 339 392 497 Household operations..................... 736 188 201 304 314 477 575 688 753 1,571 Personal services...................... 352 69 44 126 104 228 306 340 359 775 Other household expenses............... 384 119 157 178 210 249 270 348 394 796 Housekeeping supplies.................... 606 377 284 294 411 432 490 523 1,046 847 Laundry and cleaning supplies.......... 140 105 92 87 124 129 127 134 165 186 Other household products............... 322 154 133 136 189 192 240 242 697 441 Postage and stationery................. 144 118 58 71 99 111 122 147 184 220 Household furnishings and equipment...... 1,602 636 494 547 792 1,001 1,198 1,529 1,770 3,283 Household textiles..................... 144 60 51 43 102 130 115 144 135 268 Furniture.............................. 399 83 116 95 143 240 261 343 425 928 Floor coverings........................ 42 20 5 16 37 23 25 16 35 107 Major appliances....................... 199 65 66 112 96 112 147 204 241 383 Small appliances, miscellaneous housewares............................ 108 60 35 45 61 81 102 122 105 194 Miscellaneous household equipment...... 708 350 222 237 353 415 547 699 829 1,403 Apparel and services........................ 1,872 1,349 713 994 1,131 1,176 1,497 1,692 2,043 3,469 Men and boys............................. 436 227 167 186 244 236 361 387 453 880 Men, 16 and over....................... 342 159 138 119 159 182 288 312 349 709 Boys, 2 to 15.......................... 94 68 28 67 85 54 73 75 103 171 Women and girls.......................... 757 614 312 487 445 501 573 673 809 1,368 Women, 16 and over..................... 628 580 278 419 343 414 473 529 660 1,141 Girls, 2 to 15......................... 129 34 35 68 102 88 100 144 149 227 Children under 2......................... 88 42 21 39 58 63 99 96 94 147 Footwear................................. 338 353 111 175 241 199 296 304 426 562 Other apparel products and services...... 252 114 102 107 142 177 167 232 261 512 Transportation.............................. 7,984 2,975 2,591 3,951 4,752 5,275 7,041 8,651 10,555 13,487 Vehicle purchases (net outlay)........... 3,778 1,253 1,153 2,053 2,416 2,323 3,343 4,292 5,191 6,198 Cars and trucks, new................... 1,767 d/ 422 347 687 1,141 762 1,446 2,054 2,264 3,433 Cars and trucks, used.................. 1,939 831 806 1,342 1,275 1,525 1,860 2,174 2,811 2,601 Other vehicles......................... 72 e/ c/ d/ 23 e/ d/ 37 d/ 37 d/ 64 d/ 116 164 Gasoline and motor oil................... 1,252 604 499 649 796 987 1,261 1,289 1,592 1,927 Other vehicle expenses................... 2,550 934 781 1,085 1,365 1,734 2,172 2,688 3,302 4,527 Vehicle finance charges................ 403 87 89 125 159 226 372 452 593 734 Maintenance and repairs................ 732 334 277 337 440 571 614 759 918 1,228 Vehicle insurance...................... 920 333 319 461 586 707 877 1,024 1,160 1,465 Vehicle rental, leases, licenses, other charges.............................. 494 180 96 162 180 229 310 453 631 1,099 Public transportation.................... 404 183 158 165 176 231 264 382 471 834 Health care................................. 2,410 1,060 1,139 1,854 2,118 2,289 2,379 2,598 2,672 3,230 Health insurance......................... 1,185 493 612 927 1,122 1,109 1,180 1,276 1,313 1,550 Medical services......................... 605 236 177 310 370 455 590 716 734 974 Drugs.................................... 508 267 301 500 544 629 506 495 502 549 Medical supplies......................... 112 64 49 117 82 95 103 112 124 157 Entertainment............................... 2,167 867 721 859 1,002 1,187 1,561 1,924 2,641 4,457 Fees and admissions...................... 562 257 151 175 210 233 303 477 592 1,364 Television, radios, sound equipment...... 710 373 348 423 442 532 651 740 876 1,110 Pets, toys, and playground equipment..... 397 154 117 150 236 249 319 413 552 701 Other entertainment supplies, equipment,and services.................. 498 84 105 111 114 173 289 294 620 1,282 Personal care products and services......... 562 300 252 351 386 432 464 551 655 915 Reading..................................... 145 61 58 86 83 106 109 140 170 262 Education................................... 771 1,394 552 377 448 311 388 536 619 1,653 Tobacco products and smoking supplies....... 334 191 244 249 298 364 390 401 422 302 Miscellaneous............................... 846 391 318 407 501 675 808 778 1,035 1,417 Cash contributions.......................... 1,366 350 437 507 800 981 1,093 1,182 1,560 2,704 Personal insurance and pensions............. 4,593 302 350 790 995 1,822 2,898 4,239 5,756 11,382 Life and other personal insurance........ 425 125 134 213 211 259 324 385 469 867 Pensions and Social Security............. 4,169 177 216 577 784 1,563 2,574 3,854 5,287 10,515 Sources of income and personal taxes: b/ Money income before taxes.................. 49,430 1,613 7,725 12,426 17,328 24,495 34,423 44,443 58,933 115,629 Wages and salaries....................... 39,864 1,467 2,306 4,203 8,314 14,998 25,496 35,788 50,586 100,680 Self-employment income................... 2,237 -1,053 122 263 421 569 900 1,527 1,805 7,171 Social Security, private and government retirement................... 5,234 609 3,492 6,342 6,881 7,281 6,398 5,462 4,923 4,003 Interest, dividends, rental income, other property income................... 924 -44 88 198 271 482 679 853 737 2,420 Unemployment and workers'' compensation, veterans'' benefits..................... 233 d/ 44 57 134 191 238 293 255 339 267 Public assistance, supplemental security, income, food stamps..................... 352 247 1,159 755 629 383 263 134 170 91 Regular contributions for support........ 412 179 301 358 354 368 285 341 275 744 Other income............................. 173 163 199 173 265 176 108 82 98 252 Personal taxes............................. 2,496 -3 3 -3 46 476 831 1,934 2,585 7,802 Federal income taxes..................... 1,843 -48 -45 -34 -87 251 481 1,333 1,880 6,022 State and local income taxes............. 506 4 13 21 54 132 224 466 540 1,464 Other taxes.............................. 147 41 36 9 79 93 126 135 165 317 Income after taxes......................... 46,934 1,616 7,722 12,429 17,282 24,020 33,591 42,509 56,349 107,827 Net change in total assets and liabilities... -6,630 -1,570 1,297 -201 -4,520 -3,131 -793 -5,229 -6,418 -19,182 Net change in total assets............... 5,263 37 2,827 1,283 -1,388 2,171 6,882 4,809 4,863 12,257 Net change in total liabilities.......... 11,893 1,606 1,531 1,484 3,132 5,302 7,675 10,038 11,281 31,440 Other financial information: Other money receipts..................... 632 160 122 219 302 294 247 1,924 781 913 Mortgage principal paid on owned property................................ -1,390 -373 -291 -343 -376 -559 -856 -1,130 -1,568 -3,446 Estimated market value of owned home..... 104,331 43,868 41,185 56,924 61,212 62,976 75,536 87,132 112,516 210,518 Estimated monthly rental value of owned home.................................... 710 289 294 408 430 488 557 663 809 1,302 Gifts of goods and services................. 1,095 600 294 445 596 652 780 952 1,207 2,267 Food..................................... 87 64 8 35 31 36 67 44 92 210 Alcoholic beverages...................... 14 10 d/ 9 5 d/ 3 16 5 6 22 25 Housing.................................. 275 203 87 102 146 197 212 285 313 509 Housekeeping supplies.................. 48 33 16 16 37 40 36 44 71 75 Household textiles..................... 17 d/ 13 d/ 7 4 10 13 17 22 23 23 Appliances and miscellaneous housewares........................... 29 d/ 16 d/ 12 d/ 9 12 23 25 43 20 53 Major appliances..................... 10 c/ d/ 1 d/ 1 d/ 2 7 8 10 7 24 Small appliances and miscellaneous housewares......................... 19 d/ 15 d/ 11 d/ 8 10 17 17 33 13 29 Miscellaneous household equipment...... 71 69 13 23 27 44 47 83 88 133 Other housing.......................... 112 73 40 50 59 76 88 93 111 226 Apparel and services..................... 258 170 101 106 170 204 186 220 278 481 Males, 2 and over...................... 71 48 28 41 55 59 49 61 70 130 Females, 2 and over.................... 88 72 39 26 49 75 46 52 88 186 Children under 2....................... 43 25 16 22 23 27 45 48 45 75 Other apparel products and services.... 56 25 18 17 42 43 44 59 75 90 Jewelry and watches.................. 25 15 7 10 9 15 10 53 30 40 All other apparel products and services............................ 31 d/ 10 d/ 11 d/ 7 d/ 33 28 34 d/ 6 45 50 Transportation........................... 43 7 3 67 40 9 25 36 101 49 Health care.............................. 34 d/ 4 d/ 11 d/ 25 d/ 3 20 16 45 35 72 Entertainment............................ 80 29 26 38 37 52 67 82 102 148 Toys, games, hobbies, and tricycles.... 31 12 8 19 15 26 29 32 45 49 Other entertainment.................... 49 18 18 19 22 26 38 50 57 99 Personal care products and services...... 24 11 14 16 24 19 20 20 25 38 Reading.................................. 1 d/ 1 1 1 1 2 1 1 2 2 Education................................ 189 75 12 27 81 49 96 150 142 546 All other gifts.......................... 88 26 22 23 61 49 86 64 95 186 a See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. b Components of income and taxes are derived from "complete income reporters" only; see glossary. c Value less than 0.5. d Data are likely to have large sampling errors. e No data reported.