Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 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)...... 20,356 605 768 872 961 2,216 2,353 2,141 3,800 6,639 Income before taxes a/ ...................... $61,309 - $17 $7,859 $12,508 $17,479 $24,681 $34,355 $44,539 $59,222 $114,217 Income after taxes a/ ....................... 58,365 282 8,136 12,888 17,792 24,600 33,429 43,047 56,941 107,178 Age of the reference person.................. 39.7 39.8 39.9 40.1 39.9 39.7 39.5 39.5 39.7 39.7 Average number in consumer unit: Persons..................................... 3.2 2.7 2.5 2.7 3.1 2.8 3.0 3.2 3.3 3.6 Children under 18........................... 1.3 1.2 1.1 1.2 1.4 1.2 1.2 1.3 1.3 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.7 1.1 .7 1.1 1.2 1.4 1.6 1.7 1.9 2.0 Vehicles.................................... 2.2 1.2 1.0 1.2 1.4 1.5 1.9 2.2 2.5 2.8 Percent distribution: Male........................................ 52 38 40 36 43 46 49 53 57 58 Female...................................... 48 62 60 64 57 54 51 47 43 42 Homeowner................................... 68 39 33 34 36 45 59 68 79 88 With mortgage.............................. 57 25 14 16 23 32 47 57 68 80 Without mortgage........................... 11 13 19 17 13 12 12 11 10 8 Renter...................................... 32 61 67 66 64 55 41 32 21 12 Black or African American................... 13 29 29 26 18 18 14 13 10 8 White, Asian, and All Other Races........... 87 71 71 74 82 82 86 87 90 92 Elementary (1-8)............................ 4 6 11 10 13 8 5 4 1 1 High school (9-12).......................... 36 58 61 60 49 48 45 41 34 20 College..................................... 59 36 28 29 36 43 51 55 65 80 Never attended and other.................... c/ d/ d/ c/ 1 1 c/ c/ d/ c/ At least one vehicle owned or leased........ 92 64 62 74 84 85 94 97 98 98 Average annual expenditures.................. $50,141 $25,937 $18,639 $23,217 $25,099 $28,832 $34,183 $42,678 $52,508 $76,970 Food........................................ 6,687 4,591 3,572 4,882 4,218 4,781 4,989 5,991 7,040 9,091 Food at home............................. 3,787 3,107 2,073 3,650 2,952 3,118 2,986 3,534 3,803 4,748 Cereals and bakery products............ 565 481 286 513 416 450 427 517 575 727 Cereals and cereal products.......... 199 180 128 198 154 157 166 181 200 246 Bakery products...................... 366 300 158 315 262 294 260 336 375 481 Meats, poultry, fish, and eggs......... 959 813 585 1,244 814 888 785 873 1,007 1,081 Beef................................. 279 219 187 342 239 293 264 234 295 300 Pork................................. 198 209 108 334 195 178 159 185 219 203 Other meats.......................... 128 97 98 195 101 122 87 107 130 151 Poultry.............................. 175 132 104 169 162 144 127 179 185 211 Fish and seafood..................... 135 112 52 163 79 101 109 126 138 172 Eggs................................. 43 44 35 42 38 50 39 42 39 45 Dairy products......................... 415 336 215 356 323 330 319 399 413 532 Fresh milk and cream................. 165 130 107 161 143 149 138 154 161 198 Other dairy products................. 250 207 109 195 180 181 181 245 253 334 Fruits and vegetables.................. 621 520 325 523 519 512 519 590 569 798 Fresh fruits......................... 199 188 96 160 141 164 168 184 165 269 Fresh vegetables..................... 193 144 105 172 148 162 172 187 180 243 Processed fruits..................... 132 103 66 106 123 112 95 117 125 173 Processed vegetables................. 97 85 58 86 107 74 83 103 99 112 Other food at home..................... 1,228 957 662 1,013 880 938 937 1,155 1,239 1,609 Sugar and other sweets............... 156 132 71 131 120 122 111 147 147 211 Fats and oils........................ 97 87 55 101 78 87 83 96 97 112 Miscellaneous foods.................. 598 452 293 446 455 439 445 569 591 805 Nonalcoholic beverages............... 331 274 218 317 220 267 272 314 363 399 Food prepared by consumer unit on out-of-town trips................... 46 e/ 12 e/ 24 e/ 18 e/ 7 22 27 29 42 83 Food away from home.................... 2,900 1,484 1,498 1,232 1,266 1,662 2,003 2,458 3,237 4,344 Alcoholic beverages......................... 454 375 164 183 223 290 279 430 481 672 Housing..................................... 16,507 9,297 7,015 7,971 9,208 10,275 11,462 14,002 16,254 25,261 Shelter.................................. 9,857 5,906 4,038 4,653 5,766 6,401 6,964 8,469 9,518 14,986 Owned dwellings........................ 7,045 2,842 1,171 1,264 2,072 2,621 3,816 5,551 7,126 12,644 Mortgage interest and charges........ 4,577 1,953 655 616 1,094 1,637 2,487 3,653 4,719 8,234 Property taxes....................... 1,460 564 246 310 609 531 708 1,096 1,427 2,667 Maintenance, repairs, insurance,other expenses............................ 1,008 324 270 338 369 452 621 802 980 1,742 Rented dwellings....................... 2,365 2,884 2,815 3,325 3,579 3,662 3,038 2,622 1,996 1,422 Other lodging.......................... 446 e/ 180 52 e/ 64 115 119 110 296 396 920 Utilities, fuels, and public services.... 3,088 2,035 1,904 2,082 2,120 2,375 2,642 2,972 3,308 3,902 Natural gas............................ 391 244 213 229 249 302 328 363 377 537 Electricity............................ 1,117 820 808 827 874 877 1,003 1,101 1,190 1,337 Fuel oil and other fuels............... 99 e/ 26 46 e/ 64 46 70 95 103 115 124 Telephone services..................... 1,113 743 671 781 741 879 931 1,035 1,231 1,394 Water and other public services........ 369 202 167 182 210 247 285 371 396 510 Household operations..................... 1,006 185 209 274 319 323 490 547 806 2,041 Personal services...................... 570 e/ 45 94 151 164 139 265 255 428 1,223 Other household expenses............... 435 140 115 123 156 184 225 292 378 819 Housekeeping supplies.................... 669 391 325 420 348 379 430 576 754 980 Laundry and cleaning supplies.......... 165 112 112 148 146 124 143 152 191 194 Other household products............... 345 191 168 183 142 177 210 271 388 537 Postage and stationery................. 158 88 e/ 44 88 60 79 76 153 175 249 Household furnishings and equipment...... 1,886 781 540 542 656 796 936 1,438 1,868 3,351 Household textiles..................... 141 61 73 61 68 53 85 126 117 245 Furniture.............................. 518 84 213 65 133 189 220 357 449 1,016 Floor coverings........................ 53 e/ 3 e/ 7 e/ 29 e/ 5 16 12 10 52 115 Major appliances....................... 244 125 65 116 73 115 145 172 272 405 Small appliances, miscellaneous housewares............................ 99 28 13 55 77 49 53 129 109 140 Miscellaneous household equipment...... 830 480 170 216 300 374 423 644 869 1,430 Apparel and services........................ 2,223 2,122 1,273 1,523 1,694 1,266 1,593 1,594 2,005 3,384 Men and boys............................. 568 388 252 302 287 296 479 430 518 891 Men, 16 and over....................... 386 242 184 157 159 191 349 307 346 613 Boys, 2 to 15.......................... 181 146 68 145 129 105 130 123 171 278 Women and girls.......................... 853 740 402 602 685 473 562 643 713 1,346 Women, 16 and over..................... 599 565 306 396 405 297 406 433 524 954 Girls, 2 to 15......................... 255 175 95 206 280 177 157 210 189 392 Children under 2......................... 106 e/ 47 24 54 105 61 85 84 98 161 Footwear................................. 423 808 484 398 456 259 323 277 443 515 Other apparel products and services...... 273 138 112 167 161 177 144 161 234 470 Transportation.............................. 9,385 5,202 2,973 4,158 4,822 5,345 6,776 8,804 11,358 13,185 Vehicle purchases (net outlay)........... 4,536 e/ 2,920 1,307 2,084 2,471 2,404 3,139 4,371 5,932 6,138 Cars and trucks, new................... 2,338 e/ 1,255 e/ 563 e/ 894 e/ 745 690 1,185 1,905 2,857 3,862 Cars and trucks, used.................. 2,113 1,664 743 1,189 1,726 1,713 1,872 2,358 2,888 2,185 Other vehicles......................... 86 d/ d/ d/ d/ e/ 1 e/ 81 e/ 109 187 91 Gasoline and motor oil................... 1,547 802 653 895 918 1,081 1,328 1,513 1,720 2,040 Other vehicle expenses................... 2,884 1,336 863 1,041 1,277 1,622 2,071 2,648 3,308 4,274 Vehicle finance charges................ 515 195 105 126 107 233 378 499 648 773 Maintenance and repairs................ 801 329 204 286 449 505 559 710 920 1,177 Vehicle insurance...................... 1,018 516 398 471 588 684 883 984 1,171 1,353 Vehicle rental, leases, licenses, other charges.............................. 549 297 155 158 132 200 252 454 568 971 Public transportation.................... 419 145 151 138 156 238 238 271 398 733 Health care................................. 2,117 812 782 1,036 836 1,256 1,723 2,021 2,473 2,972 Health insurance......................... 1,085 318 280 446 409 655 902 1,048 1,327 1,511 Medical services......................... 601 274 258 264 234 336 456 521 666 895 Drugs.................................... 327 194 212 216 164 218 278 338 367 417 Medical supplies......................... 104 e/ 26 e/ 32 111 28 46 87 115 112 148 Entertainment............................... 2,708 933 780 1,025 1,037 1,256 1,432 2,171 2,609 4,719 Fees and admissions...................... 716 188 121 107 152 251 277 502 632 1,422 Television, radios, sound equipment...... 863 469 407 387 493 577 637 811 946 1,214 Pets, toys, and playground equipment..... 480 195 148 200 268 250 279 463 529 736 Other entertainment supplies, equipment,and services.................. 650 81 104 331 124 179 238 396 503 1,347 Personal care products and services......... 660 308 345 429 331 371 470 584 666 993 Reading..................................... 131 46 45 53 42 60 70 100 140 221 Education................................... 730 300 272 331 220 295 297 505 623 1,382 Tobacco products and smoking supplies....... 363 320 435 404 360 444 389 436 406 270 Miscellaneous............................... 782 611 251 230 353 469 653 702 899 1,103 Cash contributions.......................... 1,318 481 282 222 414 647 808 989 1,438 2,232 Personal insurance and pensions............. 6,076 539 451 771 1,342 2,079 3,240 4,349 6,117 11,485 Life and other personal insurance........ 396 146 91 69 136 158 240 339 415 678 Pensions and Social Security............. 5,679 393 359 703 1,206 1,921 3,000 4,010 5,702 10,807 Sources of income and personal taxes: a/ Money income before taxes.................. 61,309 -17 7,859 12,508 17,479 24,681 34,355 44,539 59,222 114,217 Wages and salaries....................... 55,717 1,763 2,904 7,383 13,145 21,182 31,278 40,667 55,236 104,573 Self-employment income................... 2,805 -3,041 205 640 846 799 1,097 1,645 1,887 6,382 Social Security, private and government retirement................... 852 241 1,540 1,574 983 889 819 860 686 805 Interest, dividends, rental income, other property income................... 623 -19 56 40 34 58 142 243 441 1,494 Unemployment and workers'' compensation, veterans'' benefits..................... 313 e/ 104 430 579 421 276 341 298 345 257 Public assistance, supplemental security, income, food stamps..................... 376 519 2,105 1,548 1,273 590 224 214 109 66 Regular contributions for support........ 453 231 411 549 472 727 385 502 401 410 Other income............................. 170 e/ 183 209 194 306 160 69 110 117 230 Personal taxes............................. 2,944 -299 -277 -380 -314 82 926 1,492 2,281 7,039 Federal income taxes..................... 2,122 -305 -290 -412 -382 -96 546 939 1,525 5,339 State and local income taxes............. 669 -32 -6 20 42 142 286 448 592 1,414 Other taxes.............................. 153 e/ 38 e/ 19 12 26 36 94 105 164 286 Income after taxes......................... 58,365 282 8,136 12,888 17,792 24,600 33,429 43,047 56,941 107,178 Net change in total assets and liabilities... -15,031 -3,902 2,221 -1,555 -4,393 -9,619 -8,588 -16,805 -19,977 -22,036 Net change in total assets............... 8,809 7,527 5,416 1,827 155 1,986 4,951 777 1,884 21,687 Net change in total liabilities.......... 23,840 11,429 3,195 3,383 4,548 11,605 13,539 17,582 21,861 43,724 Other financial information: Other money receipts..................... 490 e/ 91 e/ 190 e/ 142 e/ 161 246 514 501 712 597 Mortgage principal paid on owned property................................ -2,000 -696 -412 -200 -506 -542 -888 -1,312 -1,866 -3,936 Estimated market value of owned home..... 123,097 50,726 24,218 30,503 38,383 47,295 67,473 87,334 117,515 225,297 Estimated monthly rental value of owned home.................................... 819 341 226 238 279 367 495 632 847 1,396 Gifts of goods and services................. 857 690 159 582 345 385 519 721 1,005 1,303 Food..................................... 55 91 e/ 3 52 e/ 31 22 14 28 83 79 Alcoholic beverages...................... 17 e/ 38 c/ e/ 9 e/ 10 12 8 e/ 9 25 21 Housing.................................. 237 180 41 86 96 115 153 272 214 375 Housekeeping supplies.................. 58 e/ 28 e/ 7 e/ 18 e/ 16 37 25 52 73 91 Household textiles..................... 12 e/ 18 e/ 2 e/ 2 c/ e/ 4 e/ 4 e/ 19 6 24 Appliances and miscellaneous housewares........................... 25 e/ 9 e/ 5 e/ 3 e/ 13 e/ 5 e/ 26 33 19 39 Major appliances..................... 9 e/ 6 e/ 2 e/ 1 e/ 7 e/ 3 e/ 12 e/ 15 e/ 2 16 Small appliances and miscellaneous housewares......................... 15 e/ 3 e/ 3 e/ 2 e/ 6 e/ 3 e/ 14 17 17 24 Miscellaneous household equipment...... 61 e/ 72 e/ 9 e/ 17 20 21 19 75 51 105 Other housing.......................... 80 e/ 53 e/ 18 e/ 47 46 47 79 94 66 115 Apparel and services..................... 219 288 55 125 127 93 195 169 261 303 Males, 2 and over...................... 61 180 e/ 18 e/ 35 e/ 15 28 42 39 76 85 Females, 2 and over.................... 68 e/ 50 e/ 18 e/ 28 50 26 76 40 75 101 Children under 2....................... 48 e/ 18 e/ 12 26 56 24 41 45 42 70 Other apparel products and services.... 42 e/ 39 e/ 6 e/ 36 e/ 7 e/ 15 36 44 69 47 Jewelry and watches.................. 15 e/ 5 e/ 6 e/ 15 e/ 1 e/ 5 7 10 27 21 All other apparel products and services............................ 26 e/ 34 c/ e/ 21 e/ 6 e/ 10 e/ 29 e/ 35 42 26 Transportation........................... 40 e/ 7 e/ 8 178 e/ 11 13 10 12 100 27 Health care.............................. 24 e/ 7 e/ -7 e/ 64 e/ 7 e/ 10 e/ 15 e/ 29 38 24 Entertainment............................ 80 e/ 25 e/ 24 e/ 37 e/ 23 40 57 61 105 118 Toys, games, hobbies, and tricycles.... 26 e/ 11 e/ 13 e/ 18 e/ 10 17 24 13 31 37 Other entertainment.................... 54 e/ 14 e/ 11 19 e/ 13 24 33 48 74 81 Personal care products and services...... 25 e/ 25 e/ 4 e/ 10 e/ 13 e/ 18 8 41 19 37 Reading.................................. 1 d/ c/ c/ d/ c/ c/ c/ 2 1 Education................................ 102 e/ 25 e/ 4 e/ 18 e/ 13 e/ 29 33 58 85 216 All other gifts.......................... 59 e/ 4 e/ 27 e/ 3 13 32 25 41 72 102 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.