Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 Complete reporting of income Incomple- All te Item consumer reporting units Total Lowest Second Third Fourth Highest of complete 20 20 20 20 20 income reporting percent percent percent percent percent Number of consumer units (in thousands)...... 112,108 92,388 18,456 18,474 18,474 18,487 18,498 19,719 Lower limit................................. n.a. n.a. n.a. $14,599 $28,344 $46,507 $74,392 n.a. Income before taxes a/ ...................... $49,430 $49,430 $8,316 $21,162 $36,989 $59,177 $121,367 a/ Income after taxes a/ ....................... 46,934 46,934 8,323 20,859 35,817 56,497 113,044 a/ Age of the reference person.................. 48.1 48.1 50.3 51.5 47.8 45.3 45.5 48.1 Average number in consumer unit: Persons..................................... 2.5 2.5 1.7 2.2 2.5 2.8 3.2 2.6 Children under 18........................... .7 .7 .4 .5 .6 .8 .9 .7 Persons 65 and over......................... .3 .3 .4 .5 .3 .2 .1 .3 Earners..................................... 1.4 1.4 .7 1.0 1.4 1.8 2.1 1.3 Vehicles.................................... 2.0 2.0 1.0 1.5 2.0 2.5 2.9 1.8 Percent distribution: Male........................................ 51 51 35 45 53 59 62 50 Female...................................... 49 49 65 55 47 41 38 50 Homeowner................................... 66 66 42 56 65 77 89 69 With mortgage.............................. 41 40 12 21 39 57 74 41 Without mortgage........................... 26 25 30 35 26 20 15 29 Renter...................................... 34 34 58 44 35 23 11 31 Black....................................... 12 11 16 14 11 9 6 15 White and other............................. 88 89 84 86 89 91 94 85 Elementary (1-8)............................ 6 6 13 10 5 2 1 4 High school (9-12).......................... 38 37 47 47 41 32 19 40 College..................................... 56 56 40 42 54 65 80 56 Never attended and other.................... b/ b/ b/ 1 b/ b/ b/ b/ At least one vehicle owned or leased........ 88 88 65 87 94 98 98 85 Average annual expenditures.................. $40,677 $42,557 $19,061 $27,140 $36,881 $50,432 $79,199 $33,201 Food........................................ 5,375 5,612 3,186 4,140 5,071 6,574 9,083 4,771 Food at home............................. 3,099 3,217 2,144 2,677 3,073 3,660 4,528 2,799 Cereals and bakery products............ 450 471 323 393 440 528 668 399 Cereals and cereal products.......... 154 161 118 138 149 178 219 138 Bakery products...................... 296 310 206 255 291 349 449 261 Meats, poultry, fish, and eggs......... 798 815 575 700 779 928 1,091 758 Beef................................. 231 238 162 200 235 271 323 213 Pork................................. 167 172 129 162 164 197 206 157 Other meats.......................... 101 103 76 93 93 117 136 96 Poultry.............................. 144 146 98 122 141 176 192 139 Fish and seafood..................... 121 121 82 88 111 130 195 121 Eggs................................. 34 35 28 35 35 37 39 31 Dairy products......................... 328 345 229 288 331 392 482 288 Fresh milk and cream................. 127 134 96 127 128 150 169 110 Other dairy products................. 201 210 133 161 203 242 313 178 Fruits and vegetables.................. 552 568 381 482 536 633 809 511 Fresh fruits......................... 178 181 122 154 168 193 267 172 Fresh vegetables..................... 175 181 120 156 168 207 257 159 Processed fruits..................... 116 119 80 100 113 134 170 106 Processed vegetables................. 83 87 59 73 88 100 116 74 Other food at home..................... 970 1,018 636 814 986 1,178 1,478 842 Sugar and other sweets............... 117 125 85 101 123 141 177 97 Fats and oils........................ 85 88 64 78 85 105 108 79 Miscellaneous foods.................. 472 495 293 392 484 580 725 415 Nonalcoholic beverages............... 254 266 176 218 256 305 377 223 Food prepared by consumer unit on out-of-town trips................... 41 44 19 25 39 47 90 28 Food away from home.................... 2,276 2,395 1,042 1,464 1,998 2,914 4,554 1,973 Alcoholic beverages......................... 376 415 172 234 389 465 814 275 Housing..................................... 13,283 13,481 6,640 9,117 11,743 15,340 24,541 12,619 Shelter.................................. 7,829 7,854 3,891 5,161 6,771 8,743 14,690 7,716 Owned dwellings........................ 5,165 5,148 1,422 2,355 3,810 6,159 11,980 5,244 Mortgage interest and charges........ 2,962 2,947 552 985 2,057 3,710 7,422 3,034 Property taxes....................... 1,242 1,209 480 702 875 1,365 2,622 1,397 Maintenance, repairs, insurance,other expenses............................ 960 992 390 669 878 1,085 1,936 813 Rented dwellings....................... 2,160 2,197 2,241 2,589 2,647 2,108 1,400 1,986 Other lodging.......................... 505 509 228 216 313 476 1,309 485 Utilities, fuels, and public services.... 2,684 2,683 1,661 2,209 2,585 3,106 3,851 2,691 Natural gas............................ 330 323 183 259 325 346 503 360 Electricity............................ 981 973 649 856 950 1,125 1,282 1,020 Fuel oil and other fuels............... 88 90 65 90 77 93 125 82 Telephone services..................... 957 968 584 741 928 1,150 1,433 906 Water and other public services........ 328 329 180 262 304 391 509 324 Household operations..................... 706 736 237 415 610 768 1,650 563 Personal services...................... 331 352 81 180 318 371 809 233 Other household expenses............... 375 384 156 235 292 397 841 330 Housekeeping supplies.................... 545 606 306 428 501 929 865 395 Laundry and cleaning supplies.......... 131 140 92 131 126 172 179 107 Other household products............... 283 322 138 192 243 579 457 187 Postage and stationery................. 131 144 76 106 131 177 229 100 Household furnishings and equipment...... 1,518 1,602 544 904 1,277 1,795 3,484 1,254 Household textiles..................... 136 144 50 125 120 131 297 110 Furniture.............................. 401 399 99 187 293 425 991 411 Floor coverings........................ 40 42 12 27 24 35 113 31 Major appliances....................... 188 199 84 105 169 237 400 151 Small appliances, miscellaneous housewares............................ 100 108 45 77 99 124 198 74 Miscellaneous household equipment...... 652 708 255 383 573 843 1,486 476 Apparel and services........................ 1,749 1,872 953 1,168 1,526 2,094 3,617 1,416 Men and boys............................. 409 436 187 242 339 496 914 344 Men, 16 and over....................... 319 342 134 178 265 391 740 265 Boys, 2 to 15.......................... 90 94 53 64 74 105 174 79 Women and girls.......................... 704 757 439 489 601 815 1,440 573 Women, 16 and over..................... 587 628 392 392 485 674 1,195 487 Girls, 2 to 15......................... 117 129 47 97 116 141 244 86 Children under 2......................... 83 88 34 62 99 93 154 63 Footwear................................. 313 338 185 225 287 419 576 251 Other apparel products and services...... 240 252 107 150 199 271 534 185 Transportation.............................. 7,759 7,984 3,285 5,013 7,472 10,369 13,769 6,727 Vehicle purchases (net outlay)........... 3,665 3,778 1,603 2,322 3,588 5,083 6,288 3,134 Cars and trucks, new................... 1,753 1,767 545 848 1,578 2,363 3,500 1,685 Cars and trucks, used.................. 1,842 1,939 1,048 1,450 1,960 2,618 2,618 1,387 Other vehicles......................... 70 72 c/ 10 c/ 24 50 102 171 61 Gasoline and motor oil................... 1,235 1,252 581 907 1,245 1,569 1,957 1,154 Other vehicle expenses................... 2,471 2,550 938 1,570 2,336 3,244 4,657 2,120 Vehicle finance charges................ 397 403 106 192 392 576 751 367 Maintenance and repairs................ 697 732 318 510 669 892 1,272 549 Vehicle insurance...................... 894 920 378 653 920 1,152 1,493 771 Vehicle rental, leases, licenses, other charges.............................. 483 494 136 214 355 624 1,141 432 Public transportation.................... 389 404 162 215 303 472 866 320 Health care................................. 2,350 2,410 1,402 2,183 2,506 2,692 3,262 2,095 Health insurance......................... 1,168 1,185 702 1,107 1,212 1,354 1,548 1,088 Medical services......................... 590 605 239 414 652 725 994 521 Drugs.................................... 487 508 379 578 531 491 561 406 Medical supplies......................... 105 112 82 84 112 123 160 79 Entertainment............................... 2,079 2,167 813 1,103 1,644 2,659 4,608 1,745 Fees and admissions...................... 542 562 183 225 348 615 1,436 448 Television, radios, sound equipment...... 692 710 384 497 663 867 1,140 608 Pets, toys, and playground equipment..... 369 397 142 234 342 546 720 280 Other entertainment supplies, equipment,and services.................. 476 498 105 148 291 632 1,312 409 Personal care products and services......... 526 562 306 417 493 644 947 433 Reading..................................... 139 145 69 97 120 168 271 107 Education................................... 752 771 663 364 437 662 1,729 676 Tobacco products and smoking supplies....... 320 334 238 331 390 410 299 260 Miscellaneous............................... 792 846 373 625 756 1,020 1,456 572 Cash contributions.......................... 1,277 1,366 449 862 1,121 1,558 2,834 862 Personal insurance and pensions............. 3,899 4,593 512 1,484 3,213 5,776 11,967 644 Life and other personal insurance........ 406 425 159 243 340 477 903 320 Pensions and Social Security............. 3,493 4,169 353 1,242 2,873 5,298 11,064 324 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 49,430 8,316 21,162 36,989 59,177 121,367 a/ Wages and salaries....................... 39,864 39,864 2,949 11,986 28,047 50,557 105,653 a/ Self-employment income................... 2,237 2,237 -77 518 1,115 1,853 7,767 a/ Social Security, private and government retirement................... 5,234 5,234 3,969 7,003 6,219 5,059 3,922 a/ Interest, dividends, rental income, other property income................... 924 924 101 387 726 835 2,570 a/ Unemployment and workers'' compensation, veterans'' benefits..................... 233 233 87 214 264 329 270 a/ Public assistance, supplemental security, income, food stamps..................... 352 352 801 478 228 166 90 a/ Regular contributions for support........ 412 412 304 360 288 285 824 a/ Other income............................. 173 173 181 216 102 93 271 a/ Personal taxes............................. 2,496 2,496 -7 302 1,173 2,680 8,323 a/ Federal income taxes..................... 1,843 1,843 -45 119 745 1,941 6,444 a/ State and local income taxes............. 506 506 13 99 296 572 1,549 a/ Other taxes.............................. 147 147 24 83 131 167 330 a/ Income after taxes......................... 46,934 46,934 8,323 20,859 35,817 56,497 113,044 a/ Net change in total assets and liabilities... -5,612 -6,630 1 -3,504 -1,995 -8,304 -19,324 -841 Net change in total assets............... 5,736 5,263 1,449 1,236 6,212 4,476 12,931 7,950 Net change in total liabilities.......... 11,348 11,893 1,449 4,739 8,207 12,780 32,254 8,791 Other financial information: Other money receipts..................... 539 632 170 291 1,007 709 982 103 Mortgage principal paid on owned property................................ -1,382 -1,390 -335 -479 -909 -1,613 -3,607 -1,346 Estimated market value of owned home..... 106,766 104,331 47,949 62,214 77,805 113,974 219,499 118,174 Estimated monthly rental value of owned home.................................... 720 710 336 465 584 822 1,341 769 Gifts of goods and services................. 1,036 1,095 415 625 841 1,202 2,389 856 Food..................................... 82 87 31 34 60 87 223 70 Alcoholic beverages...................... 13 14 8 11 6 22 24 12 Housing.................................. 259 275 112 178 240 318 529 217 Housekeeping supplies.................. 42 48 19 40 39 66 77 29 Household textiles..................... 14 17 7 13 18 21 25 6 Appliances and miscellaneous housewares........................... 24 29 11 19 27 41 45 12 Major appliances..................... 8 10 c/ 1 5 6 17 20 6 Small appliances and miscellaneous housewares......................... 16 19 10 14 22 23 25 6 Miscellaneous household equipment...... 65 71 27 38 62 81 145 47 Other housing.......................... 114 112 49 68 94 111 237 123 Apparel and services..................... 237 258 116 192 192 266 526 179 Males, 2 and over...................... 64 71 39 56 50 75 136 43 Females, 2 and over.................... 82 88 38 68 45 79 211 66 Children under 2....................... 40 43 21 25 46 46 78 28 Other apparel products and services.... 52 56 18 42 51 66 100 41 Jewelry and watches.................. 24 25 9 10 28 32 43 22 All other apparel products and services............................ 28 31 9 33 23 34 57 19 Transportation........................... 44 43 32 20 29 80 52 48 Health care.............................. 33 34 16 13 29 40 70 24 Entertainment............................ 78 80 31 43 76 99 152 71 Toys, games, hobbies, and tricycles.... 30 31 13 22 29 44 50 23 Other entertainment.................... 48 49 18 21 47 56 102 48 Personal care products and services...... 21 24 14 23 16 27 40 14 Reading.................................. 1 1 1 1 1 2 2 1 Education................................ 184 189 32 57 118 152 587 161 All other gifts.......................... 84 88 24 53 74 107 183 59 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Data are likely to have large sampling errors. n.a. Not applicable.