Table 36. Consumer units of two or more persons 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 $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)...... 63,096 1,412 2,190 3,692 4,253 8,107 7,525 6,639 10,938 18,340 Income before taxes a/ ...................... $57,902 $705 $7,811 $12,588 $17,394 $24,596 $34,568 $44,603 $59,276 $115,091 Income after taxes a/ ....................... 54,814 585 7,986 12,788 17,515 24,348 33,767 43,044 56,660 106,949 Age of the reference person.................. 46.6 43.1 44.8 49.1 50.9 49.6 47.3 45.7 45.0 45.3 Average number in consumer unit: Persons..................................... 3.1 3.0 3.0 2.9 2.9 2.9 3.1 3.2 3.2 3.3 Children under 18........................... .9 1.1 1.1 1.0 .9 .9 .9 1.0 1.0 1.0 Persons 65 and over......................... .3 .2 .3 .4 .6 .5 .4 .3 .2 .1 Earners..................................... 1.7 1.1 1.0 1.0 1.0 1.3 1.6 1.7 1.9 2.1 Vehicles.................................... 2.4 1.6 1.2 1.5 1.7 1.9 2.2 2.4 2.7 3.0 Percent distribution: Male........................................ 54 35 28 38 45 51 53 56 59 63 Female...................................... 46 65 72 62 55 49 47 44 41 37 Homeowner................................... 72 49 44 48 53 61 66 72 80 89 With mortgage.............................. 48 26 19 16 20 28 38 49 59 73 Without mortgage........................... 24 22 25 32 33 33 28 23 21 16 Renter...................................... 28 51 56 52 47 39 34 28 20 11 Black....................................... 12 25 28 22 17 14 13 11 9 6 White and other............................. 88 75 72 78 83 86 87 89 91 94 Elementary (1-8)............................ 5 8 11 14 13 10 5 5 2 1 High school (9-12).......................... 39 51 60 55 53 51 49 42 35 20 College..................................... 56 41 29 31 33 39 46 53 63 78 Never attended and other.................... b/ 1 1 1 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 93 73 73 78 86 91 95 97 98 98 Average annual expenditures.................. $49,226 $29,397 $22,550 $24,422 $27,498 $30,874 $37,546 $43,058 $52,119 $77,691 Food........................................ 6,684 4,894 4,416 4,374 4,393 5,121 5,582 6,291 7,222 9,199 Food at home............................. 3,889 3,202 3,037 3,103 3,032 3,409 3,574 3,835 4,025 4,737 Cereals and bakery products............ 573 474 427 466 455 502 520 553 592 704 Cereals and cereal products.......... 198 191 164 176 169 175 183 197 197 233 Bakery products...................... 375 282 263 290 286 328 337 356 395 471 Meats, poultry, fish, and eggs......... 1,028 913 891 921 847 970 982 1,000 1,043 1,173 Beef................................. 311 262 262 267 253 310 307 289 314 352 Pork................................. 221 201 233 220 194 217 219 210 224 235 Other meats.......................... 127 109 108 118 101 120 119 122 131 146 Poultry.............................. 187 169 135 164 152 165 170 193 203 215 Fish and seafood..................... 140 133 114 112 107 113 124 139 128 183 Eggs................................. 42 40 39 40 40 44 44 47 42 42 Dairy products......................... 419 321 318 295 327 368 378 430 437 518 Fresh milk and cream................. 169 151 142 136 146 163 161 174 171 188 Other dairy products................. 251 170 176 158 181 205 218 256 265 330 Fruits and vegetables.................. 660 524 495 537 535 592 610 641 655 814 Fresh fruits......................... 205 170 151 157 163 186 182 197 196 262 Fresh vegetables..................... 208 167 150 173 165 190 196 199 206 256 Processed fruits..................... 142 113 104 116 116 125 133 134 144 175 Processed vegetables................. 105 75 89 90 91 92 100 111 109 121 Other food at home..................... 1,208 970 907 884 867 977 1,084 1,210 1,299 1,529 Sugar and other sweets............... 147 124 121 113 106 127 130 143 152 186 Fats and oils........................ 107 94 94 98 85 97 101 108 115 119 Miscellaneous foods.................. 583 453 415 403 407 463 517 598 636 746 Nonalcoholic beverages............... 321 273 255 249 254 257 297 319 346 391 Food prepared by consumer unit on out-of-town trips................... 51 27 22 21 15 32 39 42 49 87 Food away from home.................... 2,795 1,692 1,379 1,271 1,361 1,712 2,008 2,456 3,196 4,462 Alcoholic beverages......................... 429 378 169 162 195 241 283 402 445 732 Housing..................................... 15,327 10,620 7,987 8,287 8,908 10,076 11,487 12,924 15,632 24,111 Shelter.................................. 8,751 6,348 4,222 4,584 4,948 5,441 6,363 7,242 8,680 14,229 Owned dwellings........................ 6,127 3,419 1,826 1,875 2,236 2,683 3,640 4,584 6,267 11,624 Mortgage interest and charges........ 3,621 2,136 930 754 890 1,242 1,970 2,668 3,791 7,241 Property taxes....................... 1,401 804 571 578 741 762 863 969 1,381 2,537 Maintenance, repairs, insurance,other expenses............................ 1,104 479 325 543 605 679 807 946 1,095 1,846 Rented dwellings....................... 2,041 2,539 2,252 2,566 2,522 2,518 2,423 2,350 1,897 1,368 Other lodging.......................... 583 390 144 143 191 241 301 308 516 1,237 Utilities, fuels, and public services.... 3,123 2,519 2,251 2,302 2,348 2,637 2,820 2,989 3,271 3,917 Natural gas............................ 413 318 265 296 286 339 371 388 416 546 Electricity............................ 1,140 1,004 982 908 935 1,036 1,070 1,112 1,181 1,323 Fuel oil and other fuels............... 113 77 57 95 106 110 108 96 105 143 Telephone services..................... 1,077 844 725 754 752 846 953 1,030 1,155 1,400 Water and other public services........ 381 275 221 249 269 305 320 363 414 506 Household operations..................... 841 337 366 276 341 455 529 625 783 1,578 Personal services...................... 417 146 145 127 154 227 266 323 396 782 Other household expenses............... 424 192 221 149 187 227 263 302 386 796 Housekeeping supplies.................... 704 484 428 389 446 503 557 597 1,002 912 Laundry and cleaning supplies.......... 174 147 163 128 156 146 164 169 196 199 Other household products............... 368 223 185 185 199 229 275 281 623 471 Postage and stationery................. 162 114 79 76 91 128 118 146 184 241 Household furnishings and equipment...... 1,908 932 720 736 825 1,040 1,218 1,470 1,896 3,475 Household textiles..................... 159 82 49 65 91 111 113 136 155 268 Furniture.............................. 486 117 187 204 165 267 257 341 443 951 Floor coverings........................ 54 c/ 26 21 34 23 26 25 32 38 114 Major appliances....................... 235 109 80 128 113 151 154 191 264 384 Small appliances, miscellaneous housewares............................ 118 139 42 43 67 82 79 89 110 201 Miscellaneous household equipment...... 856 459 341 261 366 403 590 681 885 1,557 Apparel and services........................ 2,228 1,585 1,150 1,338 1,441 1,251 1,734 1,915 2,230 3,570 Men and boys............................. 544 285 296 263 352 284 416 413 551 917 Men, 16 and over....................... 417 181 231 152 234 203 320 310 421 737 Boys, 2 to 15.......................... 126 104 66 112 117 81 96 103 129 180 Women and girls.......................... 876 594 427 555 523 501 671 798 887 1,397 Women, 16 and over..................... 705 515 329 422 391 397 498 625 727 1,158 Girls, 2 to 15......................... 170 80 97 133 132 103 173 173 161 239 Children under 2......................... 119 88 57 92 92 76 123 117 123 158 Footwear................................. 402 446 232 295 317 218 352 371 425 573 Other apparel products and services...... 287 171 137 133 157 172 173 216 243 525 Transportation.............................. 9,609 5,418 4,300 4,733 5,553 6,020 8,175 9,342 10,862 14,016 Vehicle purchases (net outlay)........... 4,622 2,750 2,137 2,385 2,894 2,823 4,212 4,571 5,257 6,518 Cars and trucks, new................... 2,132 1,342 706 564 1,177 903 1,627 2,133 2,254 3,577 Cars and trucks, used.................. 2,420 1,374 1,404 1,796 1,717 1,911 2,555 2,368 2,905 2,809 Other vehicles......................... 70 c/ 34 c/ 27 c/ 25 d/ c/ 10 c/ 30 70 97 131 Gasoline and motor oil................... 1,535 952 826 864 971 1,141 1,398 1,545 1,722 2,048 Other vehicle expenses................... 2,996 1,460 1,181 1,312 1,479 1,831 2,298 2,935 3,430 4,590 Vehicle finance charges................ 485 194 178 169 180 267 412 487 618 726 Maintenance and repairs................ 831 414 383 389 475 575 645 879 931 1,202 Vehicle insurance...................... 1,049 510 455 542 607 745 918 1,094 1,196 1,449 Vehicle rental, leases, licenses, other charges.............................. 631 342 165 212 217 245 323 475 684 1,213 Public transportation.................... 455 256 157 173 208 223 268 292 455 861 Health care................................. 2,668 1,855 1,388 1,736 2,351 2,500 2,618 2,699 2,808 3,145 Health insurance......................... 1,294 817 661 847 1,154 1,223 1,310 1,377 1,367 1,481 Medical services......................... 712 580 353 328 470 517 636 679 810 969 Drugs.................................... 536 340 305 490 633 657 554 511 505 532 Medical supplies......................... 126 119 69 71 94 103 117 131 127 163 Entertainment............................... 2,480 1,288 862 983 1,274 1,217 1,688 1,982 2,742 4,269 Fees and admissions...................... 652 312 174 171 202 225 312 433 605 1,370 Television, radios, sound equipment...... 788 530 437 438 462 551 675 747 855 1,123 Pets, toys, and playground equipment..... 451 244 146 194 219 261 338 434 528 705 Other entertainment supplies, equipment,and services.................. 590 201 105 180 391 180 363 369 753 1,070 Personal care products and services......... 626 455 363 370 402 466 523 566 667 892 Reading..................................... 160 75 60 73 84 98 107 130 171 267 Education................................... 794 713 330 313 403 303 342 504 743 1,585 Tobacco products and smoking supplies....... 379 352 342 358 353 383 425 452 428 320 Miscellaneous............................... 898 555 333 408 486 668 698 747 949 1,402 Cash contributions.......................... 1,450 625 386 404 502 786 1,046 1,153 1,504 2,607 Personal insurance and pensions............. 5,493 585 463 882 1,154 1,746 2,837 3,952 5,716 11,577 Life and other personal insurance........ 522 339 175 319 236 292 375 417 532 880 Pensions and Social Security............. 4,971 246 289 563 918 1,454 2,462 3,535 5,184 10,697 Sources of income and personal taxes: a/ Money income before taxes.................. 57,902 705 7,811 12,588 17,394 24,596 34,568 44,603 59,276 115,091 Wages and salaries....................... 48,010 1,695 3,099 5,750 8,865 15,072 25,536 35,952 50,844 100,977 Self-employment income................... 2,724 -2,249 128 265 367 655 1,163 1,532 1,681 7,066 Social Security, private and government retirement................... 5,127 636 2,292 4,531 6,579 7,392 6,398 5,531 5,217 3,871 Interest, dividends, rental income, other property income................... 932 -155 46 99 101 279 469 663 634 2,235 Unemployment and workers'' compensation, veterans'' benefits..................... 239 c/ 58 88 107 179 223 264 300 305 247 Public assistance, supplemental security, income, food stamps..................... 406 468 1,716 1,391 847 469 290 202 215 151 Regular contributions for support........ 338 133 300 318 325 391 366 337 268 372 Other income............................. 127 120 142 126 131 115 83 86 112 172 Personal taxes............................. 3,088 120 -175 -200 -121 247 802 1,558 2,616 8,141 Federal income taxes..................... 2,313 9 -228 -218 -219 64 466 1,054 1,931 6,325 State and local income taxes............. 617 47 3 31 29 96 218 372 532 1,522 Other taxes.............................. 158 63 49 -14 70 88 118 132 153 294 Income after taxes......................... 54,814 585 7,986 12,788 17,515 24,348 33,767 43,044 56,660 106,949 Net change in total assets and liabilities... -6,598 -277 465 -840 -4,010 -1,899 -2,215 -3,628 -8,661 -13,407 Net change in total assets............... 5,963 2,762 4,720 2,016 -1,452 3,456 3,941 5,734 3,211 12,533 Net change in total liabilities.......... 12,561 3,040 4,255 2,856 2,558 5,355 6,156 9,362 11,872 25,940 Other financial information: Other money receipts..................... 594 347 210 324 512 233 182 1,374 575 790 Mortgage principal paid on owned property................................ -1,733 -1,022 -492 -537 -475 -611 -922 -1,117 -1,556 -3,625 Estimated market value of owned home..... 117,145 74,415 53,160 54,586 58,723 66,664 75,957 85,669 114,861 206,187 Estimated monthly rental value of owned home.................................... 790 475 341 386 429 499 562 645 812 1,296 Gifts of goods and services................. 1,220 731 470 531 600 655 767 897 1,165 2,233 Food..................................... 98 73 c/ 8 22 35 31 69 37 90 210 Alcoholic beverages...................... 16 c/ 33 c/ 3 c/ 2 8 13 10 8 16 29 Housing.................................. 314 248 134 127 144 188 215 259 326 531 Housekeeping supplies.................. 56 53 22 18 37 38 39 46 71 83 Household textiles..................... 17 c/ 10 b/ 3 4 12 11 16 21 28 Appliances and miscellaneous housewares........................... 31 c/ 25 c/ 11 c/ 11 15 24 20 34 25 53 Major appliances..................... 9 c/ 1 c/ 1 c/ 3 c/ 1 6 4 11 8 19 Small appliances and miscellaneous housewares......................... 22 c/ 25 c/ 10 c/ 8 14 18 16 23 17 34 Miscellaneous household equipment...... 75 66 26 19 24 41 58 74 85 124 Other housing.......................... 134 94 74 75 64 73 86 90 123 243 Apparel and services..................... 288 185 183 161 186 163 246 216 269 474 Males, 2 and over...................... 78 67 41 50 62 55 62 58 76 119 Females, 2 and over.................... 104 64 80 39 43 48 84 66 82 201 Children under 2....................... 56 39 30 38 39 32 52 57 59 78 Other apparel products and services.... 50 c/ 15 32 35 43 28 48 36 52 76 Jewelry and watches.................. 16 c/ 7 c/ 8 7 3 8 10 18 17 28 All other apparel products and services............................ 34 c/ 8 c/ 23 c/ 28 39 20 38 18 34 48 Transportation........................... 66 9 41 61 22 45 18 99 80 92 Health care.............................. 37 c/ 11 c/ 2 c/ 27 c/ 29 27 18 39 30 61 Entertainment............................ 87 39 44 37 34 50 69 73 88 148 Toys, games, hobbies, and tricycles.... 35 13 13 16 13 23 30 33 41 52 Other entertainment.................... 52 27 30 21 21 27 38 39 47 96 Personal care products and services...... 24 31 19 13 10 23 16 17 26 34 Reading.................................. 1 b/ 1 b/ b/ 1 1 1 2 2 Education................................ 203 64 15 33 87 65 44 78 148 502 All other gifts.......................... 87 36 22 47 45 47 61 69 89 151 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. d No data reported. n.a. Not applicable.