Table 25. Consumer units with reference person under age 25 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 complete than to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over Number of consumer units (in thousands)...... 7,153 1,573 1,271 974 679 938 684 1,033 Income before taxes a/ ...................... $20,771 $2,511 $7,271 $12,074 $17,326 $23,897 $33,850 $64,142 Income after taxes a/ ....................... 20,267 2,535 7,267 12,153 17,283 23,186 32,971 61,807 Age of the reference person.................. 21.4 20.2 20.9 21.3 21.6 21.9 22.5 22.4 Average number in consumer unit: Persons..................................... 1.8 1.2 1.4 1.7 2.1 2.1 2.3 2.7 Children under 18........................... .4 .1 .3 .4 .5 .4 .5 .5 Persons 65 and over......................... b/ c/ c/ b/ b/ b/ b/ b/ Earners..................................... 1.3 .9 1.0 1.1 1.3 1.4 1.6 2.0 Vehicles.................................... 1.2 .6 .8 1.0 1.3 1.4 1.6 2.0 Percent distribution: Male........................................ 47 49 43 41 45 49 48 50 Female...................................... 53 51 57 59 55 51 52 50 Homeowner................................... 13 6 6 8 11 13 19 34 With mortgage.............................. 7 1 2 3 4 6 10 27 Without mortgage........................... 6 5 5 6 7 6 8 7 Renter...................................... 87 94 94 92 89 87 81 66 Black....................................... 12 10 13 14 12 12 13 10 White and other............................. 88 90 87 86 88 88 87 90 Elementary (1-8)............................ 2 1 2 2 2 4 2 1 High school (9-12).......................... 30 22 22 34 40 40 31 33 College..................................... 68 77 76 64 58 56 67 65 Never attended and other.................... d/ c/ c/ c/ c/ d/ c/ 1 At least one vehicle owned or leased........ 74 51 64 71 84 90 90 92 Average annual expenditures.................. $24,699 $13,397 $16,542 $21,070 $23,604 $26,937 $32,472 $46,419 Food........................................ 3,828 2,319 2,899 3,071 3,460 3,951 4,511 6,273 Food at home............................. 1,910 826 1,447 1,513 2,083 2,218 2,270 2,949 Cereals and bakery products............ 286 124 216 237 336 325 327 426 Cereals and cereal products.......... 115 51 101 89 144 132 128 158 Bakery products...................... 171 74 115 148 192 193 199 268 Meats, poultry, fish, and eggs......... 451 143 303 360 457 559 553 754 Beef................................. 141 39 93 112 141 160 179 255 Pork................................. 91 30 71 64 96 130 109 131 Other meats.......................... 55 17 37 35 65 69 75 86 Poultry.............................. 87 32 56 85 79 112 101 139 Fish and seafood..................... 52 e/ 18 31 49 49 60 61 94 Eggs................................. 24 7 13 15 28 28 29 49 Dairy products......................... 202 88 171 149 218 214 241 326 Fresh milk and cream................. 89 42 61 68 106 96 105 141 Other dairy products................. 114 46 109 82 112 118 136 186 Fruits and vegetables.................. 319 130 221 228 356 362 402 522 Fresh fruits......................... 97 41 61 75 116 101 117 165 Fresh vegetables..................... 93 28 57 56 98 111 130 168 Processed fruits..................... 80 48 65 52 89 91 90 123 Processed vegetables................. 48 13 39 45 53 59 64 66 Other food at home..................... 653 340 537 540 716 758 747 921 Sugar and other sweets............... 65 32 58 53 75 75 80 85 Fats and oils........................ 48 17 43 38 49 56 62 70 Miscellaneous foods.................. 345 172 301 273 364 430 364 487 Nonalcoholic beverages............... 171 105 117 142 188 176 214 252 Food prepared by consumer unit on out-of-town trips................... 24 14 16 33 40 21 28 26 Food away from home.................... 1,917 1,493 1,452 1,557 1,377 1,733 2,241 3,324 Alcoholic beverages......................... 415 276 280 444 344 411 552 605 Housing..................................... 7,606 4,167 4,842 6,619 7,558 8,608 10,095 14,335 Shelter.................................. 4,868 2,782 3,247 4,083 4,888 5,339 6,554 9,218 Owned dwellings........................ 778 165 177 519 279 558 1,088 3,019 Mortgage interest and charges........ 422 e/ 40 e/ 61 e/ 96 e/ 145 277 632 1,927 Property taxes....................... 261 122 91 383 102 145 274 768 Maintenance, repairs, insurance,other expenses............................ 96 e/ 3 e/ 25 e/ 41 e/ 32 136 182 324 Rented dwellings....................... 3,742 2,038 2,650 3,241 4,327 4,597 5,335 5,934 Other lodging.......................... 348 579 420 322 282 185 131 265 Utilities, fuels, and public services.... 1,351 621 880 1,249 1,426 1,667 1,982 2,387 Natural gas............................ 116 40 85 86 98 137 186 242 Electricity............................ 469 205 318 445 542 618 656 774 Fuel oil and other fuels............... 23 e/ 6 e/ 3 e/ 45 e/ 17 e/ 14 e/ 60 e/ 38 Telephone services..................... 646 345 434 566 667 783 933 1,109 Water and other public services........ 98 24 41 107 102 115 147 224 Household operations..................... 227 78 108 172 165 371 239 553 Personal services...................... 126 e/ 18 e/ 49 100 e/ 95 261 102 326 Other household expenses............... 101 60 59 72 70 110 137 227 Housekeeping supplies.................... 244 123 141 157 337 280 271 393 Laundry and cleaning supplies.......... 88 32 54 55 153 101 90 130 Other household products............... 96 50 53 65 121 118 112 152 Postage and stationery................. 60 42 34 38 64 61 70 111 Household furnishings and equipment...... 916 563 467 958 742 949 1,048 1,784 Household textiles..................... 72 20 13 27 70 210 72 79 Furniture.............................. 223 91 91 173 212 167 320 626 Floor coverings........................ 8 4 e/ 4 e/ 3 e/ 10 12 24 7 Major appliances....................... 84 23 32 97 45 106 118 194 Small appliances, miscellaneous housewares............................ 54 29 38 20 56 69 41 117 Miscellaneous household equipment...... 476 395 288 638 348 386 473 761 Apparel and services........................ 1,373 799 805 1,573 1,321 1,267 1,847 2,182 Men and boys............................. 294 189 229 263 318 270 356 452 Men, 16 and over....................... 254 184 216 227 210 245 323 381 Boys, 2 to 15.......................... 39 5 13 36 108 25 32 70 Women and girls.......................... 553 361 335 782 346 474 756 849 Women, 16 and over..................... 502 356 313 714 289 436 712 724 Girls, 2 to 15......................... 51 e/ 6 23 68 57 38 44 125 Children under 2......................... 107 55 35 105 167 126 152 148 Footwear................................. 240 e/ 99 e/ 87 240 315 189 361 411 Other apparel products and services...... 179 94 118 183 175 209 222 322 Transportation.............................. 5,084 1,810 2,959 4,579 5,278 6,482 7,256 10,297 Vehicle purchases (net outlay)........... 2,594 e/ 720 1,482 2,656 2,978 3,329 3,693 5,109 Cars and trucks, new................... 723 e/ 72 e/ 302 e/ 1,128 e/ 124 e/ 955 e/ 1,283 1,664 Cars and trucks, used.................. 1,828 647 1,178 1,528 2,669 2,374 2,351 3,314 Other vehicles......................... e/ 42 c/ e/ 1 c/ e/ 184 c/ e/ 58 e/ 132 Gasoline and motor oil................... 907 493 613 846 918 1,162 1,160 1,551 Other vehicle expenses................... 1,358 448 647 906 1,224 1,822 2,123 3,187 Vehicle finance charges................ 229 45 58 165 142 278 420 665 Maintenance and repairs................ 401 176 272 288 390 607 639 652 Vehicle insurance...................... 474 125 173 315 467 656 765 1,171 Vehicle rental, leases, licenses, other charges.............................. 254 102 144 137 225 280 299 700 Public transportation.................... 225 149 217 172 159 169 281 451 Health care................................. 608 179 221 446 495 843 868 1,526 Health insurance......................... 266 51 61 196 182 383 459 736 Medical services......................... 177 58 49 89 110 246 219 552 Drugs.................................... 127 56 71 139 170 169 143 172 Medical supplies......................... 38 14 41 e/ 21 e/ 32 45 47 66 Entertainment............................... 1,250 727 1,038 1,019 1,150 1,123 1,587 2,407 Fees and admissions...................... 317 254 316 261 311 250 374 493 Television, radios, sound equipment...... 499 300 396 434 542 545 709 778 Pets, toys, and playground equipment..... 201 61 94 142 180 154 292 543 Other entertainment supplies, equipment,and services.................. 232 112 232 182 117 174 212 593 Personal care products and services......... 336 217 219 292 249 418 442 545 Reading..................................... 61 42 56 68 51 62 71 91 Education................................... 1,586 2,271 2,182 1,482 1,746 847 876 944 Tobacco products and smoking supplies....... 287 169 194 281 392 341 405 389 Miscellaneous............................... 395 146 275 250 304 473 871 688 Cash contributions.......................... 262 114 149 172 154 273 369 703 Personal insurance and pensions............. 1,607 161 424 774 1,101 1,839 2,722 5,433 Life and other personal insurance........ 51 e/ 7 e/ 29 e/ 29 e/ 30 67 80 146 Pensions and Social Security............. 1,556 154 394 745 1,071 1,772 2,642 5,287 Sources of income and personal taxes: a/ Money income before taxes.................. 20,771 2,511 7,271 12,074 17,326 23,897 33,850 64,142 Wages and salaries....................... 17,847 1,897 5,028 9,057 13,210 20,621 30,431 58,380 Self-employment income................... 524 e/ -53 e/ 62 e/ 186 e/ 224 e/ 368 e/ 753 2,476 Social Security, private and government retirement................... 178 e/ 18 e/ 109 e/ 250 e/ 307 e/ 237 e/ 294 e/ 226 Interest, dividends, rental income, other property income................... 392 48 41 143 124 113 163 2,162 Unemployment and workers'' compensation, veterans'' benefits..................... 65 e/ 4 e/ 7 e/ 55 e/ 87 e/ 62 180 151 Public assistance, supplemental security, income, food stamps..................... 274 110 500 517 405 165 e/ 122 e/ 127 Regular contributions for support........ 902 284 965 1,151 1,235 1,377 1,503 480 Other income............................. 590 204 559 715 1,734 953 406 140 Personal taxes............................. 503 -24 3 -79 43 711 879 2,336 Federal income taxes..................... 361 -23 -8 -108 -44 534 596 1,791 State and local income taxes............. 131 d/ 8 30 77 165 251 504 Other taxes.............................. 12 e/ -1 4 e/ -1 e/ 9 e/ 12 e/ 33 41 Income after taxes......................... 20,267 2,535 7,267 12,153 17,283 23,186 32,971 61,807 Net change in total assets and liabilities... 1,964 -568 2,435 -1,480 3,586 422 7,510 5,152 Net change in total assets............... 4,974 -267 3,584 986 3,514 3,484 8,258 18,561 Net change in total liabilities.......... 3,010 301 1,149 2,466 -73 3,063 748 13,409 Other financial information: Other money receipts..................... 185 76 176 138 e/ 80 107 e/ 72 622 Mortgage principal paid on owned property................................ -125 e/ -10 e/ -25 e/ -27 e/ -40 -128 -159 -544 Estimated market value of owned home..... 13,280 5,833 4,889 7,138 7,996 9,500 19,279 43,665 Estimated monthly rental value of owned home.................................... 116 52 53 62 69 97 179 351 Gifts of goods and services................. 474 320 399 391 502 384 715 652 Food..................................... 30 28 e/ 34 e/ 11 20 e/ 23 e/ 77 e/ 26 Alcoholic beverages...................... 15 e/ 14 e/ 17 e/ 5 e/ 24 e/ 18 e/ 7 e/ 18 Housing.................................. 117 61 103 89 136 128 137 170 Housekeeping supplies.................. 24 e/ 7 e/ 6 e/ 7 e/ 55 14 57 32 Household textiles..................... 4 d/ d/ e/ 3 e/ 1 e/ 7 e/ 9 e/ 6 Appliances and miscellaneous housewares........................... 14 e/ 3 e/ 5 e/ 2 e/ 21 e/ 17 e/ 3 e/ 41 Major appliances..................... e/ 1 c/ c/ c/ e/ 1 e/ 5 c/ e/ 1 Small appliances and miscellaneous housewares......................... 13 e/ 3 e/ 5 e/ 2 e/ 20 e/ 12 e/ 3 e/ 40 Miscellaneous household equipment...... 27 11 44 19 17 30 25 38 Other housing.......................... 49 39 49 59 43 60 43 e/ 53 Apparel and services..................... 182 54 143 177 214 125 374 233 Males, 2 and over...................... 60 21 59 e/ 37 73 e/ 41 e/ 114 88 Females, 2 and over.................... 33 e/ 2 e/ 46 55 e/ 30 e/ 29 e/ 30 35 Children under 2....................... 37 10 15 30 41 26 98 57 Other apparel products and services.... 52 e/ 22 e/ 23 e/ 56 e/ 70 e/ 29 e/ 132 52 Jewelry and watches.................. 20 e/ 21 e/ 23 e/ 23 e/ 27 e/ 16 e/ 7 e/ 21 All other apparel products and services............................ 32 e/ 1 d/ e/ 33 e/ 43 e/ 13 e/ 125 e/ 32 Transportation........................... 10 3 3 39 e/ 1 7 e/ 4 12 Health care.............................. e/ 3 e/ 5 e/ 3 e/ 1 c/ e/ 6 e/ 4 e/ 5 Entertainment............................ 43 29 27 24 53 33 33 109 Toys, games, hobbies, and tricycles.... 12 6 5 e/ 4 e/ 19 25 e/ 12 21 Other entertainment.................... 30 23 22 20 34 e/ 8 20 e/ 88 Personal care products and services...... 16 e/ 37 e/ 17 e/ 3 e/ 1 28 e/ 23 e/ 4 Reading.................................. d/ c/ 1 e/ 1 d/ d/ d/ d/ Education................................ 37 75 38 e/ 24 e/ 41 e/ 8 e/ 24 e/ 20 All other gifts.......................... 21 14 14 18 11 8 31 54 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c No data reported. d Value less than 0.5. e Data are likely to have large sampling errors. n.a. Not applicable.