Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 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)...... 25,649 699 1,209 1,952 2,363 4,070 3,308 2,611 3,951 5,487 Income before taxes a/ ...................... $49,133 $1,282 $7,570 $12,524 $17,438 $24,467 $34,634 $44,457 $58,956 $113,250 Income after taxes a/ ....................... 45,532 1,242 7,614 12,461 17,141 23,784 33,245 42,219 55,033 101,795 Age of the reference person.................. 52.7 49.4 51.8 57.5 60.1 56.6 53.1 50.6 49.5 48.8 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .3 .2 .1 .1 .1 .1 b/ b/ Persons 65 and over......................... .5 .4 .5 .8 1.0 .8 .6 .4 .3 .2 Earners..................................... 1.2 .9 .7 .7 .7 .9 1.3 1.4 1.6 1.8 Vehicles.................................... 2.2 1.6 1.3 1.6 1.7 1.9 2.1 2.3 2.5 2.7 Percent distribution: Male........................................ 58 42 35 48 54 58 57 58 65 65 Female...................................... 42 58 65 52 46 42 43 42 35 35 Homeowner................................... 73 52 48 61 69 68 71 74 81 86 With mortgage.............................. 38 22 13 19 20 22 33 40 53 64 Without mortgage........................... 35 30 35 42 48 46 38 34 28 22 Renter...................................... 27 48 52 39 31 32 29 26 19 14 Black....................................... 9 17 21 16 10 9 10 8 5 4 White and other............................. 91 83 79 84 90 91 90 92 95 96 Elementary (1-8)............................ 5 10 13 16 10 8 3 2 1 1 High school (9-12).......................... 39 49 56 48 53 49 45 41 31 17 College..................................... 56 41 29 35 36 43 51 56 68 83 Never attended and other.................... c/ 1 2 1 c/ c/ d/ c/ c/ d/ At least one vehicle owned or leased........ 93 79 74 82 89 93 96 97 98 97 Average annual expenditures.................. $42,224 $26,174 $20,341 $23,650 $26,816 $30,382 $36,106 $40,995 $48,220 $71,287 Food........................................ 5,519 3,468 3,662 3,390 3,891 4,647 5,089 5,792 6,556 7,760 Food at home............................. 3,072 2,163 2,515 2,436 2,632 3,020 2,981 3,294 3,362 3,520 Cereals and bakery products............ 442 270 374 363 393 464 441 467 460 487 Cereals and cereal products.......... 142 91 141 126 129 159 145 144 137 149 Bakery products...................... 299 179 233 237 264 305 296 323 323 338 Meats, poultry, fish, and eggs......... 823 610 723 701 706 827 820 874 910 878 Beef................................. 248 177 218 209 205 261 238 266 291 255 Pork................................. 180 150 185 178 165 193 197 173 198 157 Other meats.......................... 96 70 86 81 90 96 90 108 103 104 Poultry.............................. 146 120 122 118 118 141 152 147 166 163 Fish and seafood..................... 117 63 74 82 91 102 95 143 120 167 Eggs................................. 35 31 38 33 36 35 46 38 32 32 Dairy products......................... 323 186 254 271 293 320 315 345 358 361 Fresh milk and cream................. 122 86 125 125 118 127 124 124 125 118 Other dairy products................. 201 100 129 146 175 193 191 221 234 243 Fruits and vegetables.................. 543 387 440 416 484 536 521 588 547 652 Fresh fruits......................... 169 121 140 127 153 175 152 180 166 206 Fresh vegetables..................... 172 131 124 128 142 161 168 177 183 217 Processed fruits..................... 114 80 105 87 106 114 112 130 107 133 Processed vegetables................. 88 56 71 73 84 86 90 101 91 96 Other food at home..................... 942 710 724 684 756 873 884 1,020 1,087 1,142 Sugar and other sweets............... 117 78 107 83 97 121 114 121 135 127 Fats and oils........................ 89 57 86 75 81 91 92 96 98 89 Miscellaneous foods.................. 427 333 276 288 334 383 397 463 507 544 Nonalcoholic beverages............... 256 187 229 209 214 236 239 291 295 289 Food prepared by consumer unit on out-of-town trips................... 53 55 26 30 30 42 42 50 51 94 Food away from home.................... 2,448 1,305 1,147 954 1,258 1,627 2,109 2,498 3,194 4,240 Alcoholic beverages......................... 465 367 150 213 201 256 340 445 664 867 Housing..................................... 12,913 8,798 6,527 8,001 8,037 9,353 10,875 12,008 14,572 21,835 Shelter.................................. 7,341 4,965 3,385 4,293 4,332 5,037 6,022 6,431 8,159 13,243 Owned dwellings........................ 4,831 2,527 1,377 2,207 2,317 2,620 3,653 4,033 5,763 9,959 Mortgage interest and charges........ 2,512 1,391 490 802 774 873 1,723 2,028 3,141 5,923 Property taxes....................... 1,248 746 548 740 880 914 1,051 971 1,410 2,189 Maintenance, repairs, insurance,other expenses............................ 1,071 389 339 665 662 833 879 1,034 1,212 1,847 Rented dwellings....................... 1,864 2,058 1,900 1,937 1,733 2,016 1,947 1,995 1,705 1,753 Other lodging.......................... 646 380 108 149 282 401 422 403 691 1,530 Utilities, fuels, and public services.... 2,683 2,154 1,865 2,198 2,263 2,407 2,642 2,710 2,871 3,367 Natural gas............................ 355 287 218 276 320 312 315 361 407 451 Electricity............................ 977 814 761 849 877 932 992 998 1,000 1,133 Fuel oil and other fuels............... 125 108 97 162 122 129 129 114 109 132 Telephone services..................... 898 680 602 677 679 739 906 906 985 1,209 Water and other public services........ 329 263 186 234 264 295 300 331 369 441 Household operations..................... 516 247 223 244 304 416 403 433 556 959 Personal services...................... 100 e/ 45 49 68 90 157 102 104 138 59 Other household expenses............... 417 202 174 176 215 259 301 329 418 900 Housekeeping supplies.................... 601 429 390 435 419 466 550 583 733 869 Laundry and cleaning supplies.......... 140 103 147 101 131 110 140 135 180 155 Other household products............... 288 247 174 173 193 214 288 244 362 429 Postage and stationery................. 174 79 69 161 95 142 123 204 191 284 Household furnishings and equipment...... 1,771 1,003 664 832 719 1,028 1,257 1,851 2,252 3,398 Household textiles..................... 136 73 35 47 43 95 100 129 180 266 Furniture.............................. 433 194 154 246 138 214 266 361 437 1,011 Floor coverings........................ 55 e/ 17 e/ 10 28 24 32 34 57 47 128 Major appliances....................... 221 147 97 129 117 190 138 207 258 387 Small appliances, miscellaneous housewares............................ 111 196 66 46 66 74 73 122 137 183 Miscellaneous household equipment...... 815 376 301 337 332 423 645 974 1,193 1,423 Apparel and services........................ 1,804 1,109 916 883 1,148 1,033 1,375 1,757 1,983 3,478 Men and boys............................. 434 174 227 179 238 244 314 319 474 946 Men, 16 and over....................... 403 154 206 162 208 203 279 294 438 916 Boys, 2 to 15.......................... 31 20 21 17 31 40 34 25 36 30 Women and girls.......................... 718 439 352 305 490 423 548 805 792 1,330 Women, 16 and over..................... 665 374 270 258 414 370 487 757 760 1,278 Girls, 2 to 15......................... 54 65 82 47 76 54 61 48 32 52 Children under 2......................... 49 91 29 58 25 26 41 57 64 62 Footwear................................. 323 e/ 263 203 212 242 174 251 357 370 545 Other apparel products and services...... 281 143 104 129 152 166 222 219 283 595 Transportation.............................. 7,975 5,273 4,135 4,783 5,128 5,765 7,632 8,608 9,017 12,323 Vehicle purchases (net outlay)........... 3,680 e/ 2,610 2,178 2,418 2,409 2,542 3,800 4,360 3,744 5,545 Cars and trucks, new................... 1,930 e/ 1,663 e/ 1,051 785 1,220 1,269 1,609 2,397 1,954 3,316 Cars and trucks, used.................. 1,718 e/ 879 1,126 1,633 1,189 1,273 2,191 1,860 1,743 2,171 Other vehicles......................... 32 e/ 68 d/ d/ d/ c/ d/ e/ 103 e/ 47 e/ 58 Gasoline and motor oil................... 1,324 1,020 751 857 964 1,079 1,292 1,425 1,574 1,784 Other vehicle expenses................... 2,459 1,365 1,024 1,317 1,495 1,853 2,188 2,474 3,113 3,873 Vehicle finance charges................ 352 165 128 159 143 246 323 383 526 542 Maintenance and repairs................ 691 385 364 476 464 599 652 640 814 1,007 Vehicle insurance...................... 859 466 384 457 629 733 866 982 1,057 1,146 Vehicle rental, leases, licenses, other charges.............................. 556 349 148 225 259 275 348 470 715 1,178 Public transportation.................... 511 277 183 191 260 290 352 349 586 1,121 Health care................................. 2,786 2,109 1,873 2,297 3,251 2,903 2,872 2,791 2,729 2,950 Health insurance......................... 1,315 791 903 1,156 1,520 1,479 1,415 1,323 1,300 1,264 Medical services......................... 705 764 550 350 620 543 689 705 749 991 Drugs.................................... 627 415 360 701 976 756 640 582 534 522 Medical supplies......................... 140 138 60 90 135 125 129 182 145 173 Entertainment............................... 2,073 1,236 823 1,175 1,463 1,315 1,660 1,971 2,642 3,495 Fees and admissions...................... 573 313 198 204 216 334 380 408 605 1,321 Television, radios, sound equipment...... 623 424 399 400 420 489 597 670 729 881 Pets, toys, and playground equipment..... 378 229 113 187 197 243 317 399 487 655 Other entertainment supplies, equipment,and services.................. 499 269 113 384 629 249 366 494 822 637 Personal care products and services......... 575 432 333 326 411 484 541 620 654 819 Reading..................................... 180 90 72 94 116 137 152 164 216 303 Education................................... 480 419 284 132 363 290 345 383 592 893 Tobacco products and smoking supplies....... 338 362 366 354 280 290 349 456 370 297 Miscellaneous............................... 859 877 461 602 582 683 625 939 949 1,326 Cash contributions.......................... 1,627 976 332 469 834 1,691 1,522 1,270 1,554 2,988 Personal insurance and pensions............. 4,631 660 407 932 1,110 1,536 2,730 3,791 5,723 11,954 Life and other personal insurance........ 515 423 180 459 272 412 459 470 590 802 Pensions and Social Security............. 4,116 236 226 473 838 1,124 2,271 3,321 5,133 11,152 Sources of income and personal taxes: a/ Money income before taxes.................. 49,133 1,282 7,570 12,524 17,438 24,467 34,634 44,457 58,956 113,250 Wages and salaries....................... 35,858 1,619 2,200 3,868 5,535 11,349 22,043 31,492 46,504 92,993 Self-employment income................... 2,708 -1,686 180 257 238 635 1,277 1,821 1,875 9,182 Social Security, private and government retirement................... 8,411 903 3,589 7,193 10,776 11,279 9,924 9,136 8,641 6,293 Interest, dividends, rental income, other property income................... 1,357 -156 56 152 194 426 820 1,139 1,293 3,930 Unemployment and workers'' compensation, veterans'' benefits..................... 177 e/ 59 e/ 83 80 137 168 186 320 201 181 Public assistance, supplemental security, income, food stamps..................... 304 329 1,146 791 307 272 129 139 199 226 Regular contributions for support........ 209 130 218 103 165 246 175 341 125 265 Other income............................. 110 e/ 86 e/ 97 80 87 93 79 69 118 179 Personal taxes............................. 3,601 40 -44 64 297 684 1,389 2,238 3,922 11,455 Federal income taxes..................... 2,781 -20 -77 -18 161 464 969 1,651 2,998 9,086 State and local income taxes............. 648 6 5 34 25 113 256 404 714 2,061 Other taxes.............................. 172 54 28 48 111 107 165 184 211 307 Income after taxes......................... 45,532 1,242 7,614 12,461 17,141 23,784 33,245 42,219 55,033 101,795 Net change in total assets and liabilities... 1,061 60,073 693 -2,373 -1,117 3,787 -2,709 -409 -5,095 1,171 Net change in total assets............... 7,488 63,064 1,473 -1,466 597 4,933 1,133 7,281 3,079 16,889 Net change in total liabilities.......... 6,427 2,991 780 907 1,714 1,146 3,842 7,690 8,175 15,717 Other financial information: Other money receipts..................... 644 346 905 181 456 257 297 863 582 1,309 Mortgage principal paid on owned property................................ -1,243 -834 -315 -514 -446 -604 -872 -1,033 -1,381 -2,799 Estimated market value of owned home..... 106,223 64,346 47,471 68,741 80,298 83,260 82,893 92,381 116,590 179,219 Estimated monthly rental value of owned home.................................... 719 442 304 483 562 549 599 670 780 1,174 Gifts of goods and services................. 1,364 822 499 512 658 732 985 1,116 1,369 3,063 Food..................................... 90 e/ 71 e/ 11 e/ 6 31 43 32 81 99 231 Alcoholic beverages...................... 17 e/ 33 e/ 6 e/ 4 e/ 4 9 15 15 13 39 Housing.................................. 365 179 136 197 154 191 269 375 332 800 Housekeeping supplies.................. 56 65 21 17 25 37 43 60 69 103 Household textiles..................... 17 e/ 2 e/ 10 e/ 2 e/ 3 8 13 9 25 41 Appliances and miscellaneous housewares........................... 42 e/ 41 e/ 12 e/ 16 e/ 23 16 23 58 52 86 Major appliances..................... 9 d/ d/ e/ 5 e/ 4 e/ 3 e/ 3 e/ 13 14 19 Small appliances and miscellaneous housewares......................... 33 e/ 41 e/ 12 e/ 11 e/ 18 12 20 45 38 67 Miscellaneous household equipment...... 83 26 45 16 49 55 82 105 83 146 Other housing.......................... 167 e/ 44 50 146 55 76 109 143 103 425 Apparel and services..................... 324 269 161 128 244 192 286 260 288 659 Males, 2 and over...................... 88 54 54 17 70 62 72 56 84 183 Females, 2 and over.................... 140 171 65 37 110 77 117 113 97 314 Children under 2....................... 43 27 8 42 22 23 38 49 64 62 Other apparel products and services.... 53 e/ 18 e/ 34 e/ 33 43 31 59 43 43 101 Jewelry and watches.................. 16 e/ 3 e/ 4 e/ 8 14 8 19 14 17 30 All other apparel products and services............................ 37 e/ 15 e/ 30 e/ 25 e/ 29 22 40 e/ 28 26 71 Transportation........................... 102 21 81 6 22 22 42 43 143 280 Health care.............................. 44 e/ 13 e/ 3 e/ 21 e/ 54 34 53 29 30 82 Entertainment............................ 110 98 50 59 42 68 116 116 115 194 Toys, games, hobbies, and tricycles.... 47 e/ 23 10 31 19 30 40 53 60 79 Other entertainment.................... 63 75 40 28 23 38 76 64 55 114 Personal care products and services...... 21 e/ 31 17 e/ 13 4 19 19 24 30 25 Reading.................................. 3 e/ 1 4 2 1 2 3 3 4 3 Education................................ 185 e/ 36 e/ 12 e/ 13 54 79 80 55 189 560 All other gifts.......................... 104 69 18 62 49 73 68 114 125 191 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.