Table 30. Consumer units with reference person age 65 and over 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)...... 18,920 682 2,518 3,542 2,639 3,554 2,022 1,232 1,335 1,396 Income before taxes a/ ...................... $30,085 $1,514 $8,007 $12,493 $17,418 $24,293 $34,625 $44,708 $58,741 $120,302 Income after taxes a/ ....................... 28,615 1,293 7,945 12,393 17,243 21,606 34,055 43,547 56,346 112,172 Age of the reference person.................. 75.0 76.5 76.4 76.6 75.3 75.3 73.7 73.5 72.1 71.6 Average number in consumer unit: Persons..................................... 1.7 1.3 1.2 1.3 1.6 1.8 2.0 2.0 2.2 2.3 Children under 18........................... .1 b/ .1 b/ b/ b/ .1 .1 .1 .1 Persons 65 and over......................... 1.4 1.2 1.1 1.1 1.4 1.5 1.5 1.5 1.6 1.6 Earners..................................... .5 .3 .1 .2 .3 .4 .6 .8 1.0 1.3 Vehicles.................................... 1.6 .9 .7 1.1 1.4 1.7 2.0 2.1 2.4 2.5 Percent distribution: Male........................................ 46 36 25 30 41 53 61 60 66 73 Female...................................... 54 64 75 70 59 47 39 40 34 27 Homeowner................................... 80 63 58 71 83 85 88 92 93 93 With mortgage.............................. 18 9 8 10 13 20 20 29 34 40 Without mortgage........................... 62 54 51 61 69 66 68 63 59 53 Renter...................................... 20 37 42 29 17 15 12 8 7 7 Black or African American................... 9 16 18 10 7 7 7 6 6 4 White, Asian, and All Other Races........... 91 84 82 90 93 93 93 94 94 96 Elementary (1-8)............................ 15 27 26 20 18 12 8 6 4 3 High school (9-12).......................... 46 39 51 53 52 46 45 43 35 24 College..................................... 39 32 21 27 30 41 47 51 61 73 Never attended and other.................... 1 2 1 1 c/ c/ c/ c/ 1 c/ At least one vehicle owned or leased........ 83 58 54 72 88 91 97 97 97 95 Average annual expenditures.................. $29,894 $18,263 $13,825 $18,884 $23,659 $30,136 $35,231 $38,874 $47,614 $72,451 Food........................................ 4,047 3,243 2,355 2,780 3,357 4,290 4,722 5,319 6,150 7,961 Food at home............................. 2,647 2,224 1,768 2,102 2,288 2,817 3,047 3,265 3,495 4,435 Cereals and bakery products............ 400 382 292 324 373 425 428 487 483 624 Cereals and cereal products.......... 124 155 100 107 113 132 131 147 129 178 Bakery products...................... 276 227 193 216 260 294 298 340 354 447 Meats, poultry, fish, and eggs......... 661 577 465 523 548 711 718 808 799 1,257 Beef................................. 179 158 122 123 130 183 216 284 201 374 Pork................................. 155 118 110 117 135 209 169 150 169 229 Other meats.......................... 86 41 59 74 82 87 85 101 139 140 Poultry.............................. 107 143 73 97 95 112 96 114 119 203 Fish and seafood..................... 100 92 70 79 74 82 117 123 135 270 Eggs................................. 34 26 30 33 32 37 36 36 37 41 Dairy products......................... 286 219 182 226 253 309 346 379 376 425 Fresh milk and cream................. 113 93 79 97 111 122 131 132 147 141 Other dairy products................. 173 126 103 129 142 188 215 246 230 284 Fruits and vegetables.................. 520 410 341 428 458 560 601 576 690 891 Fresh fruits......................... 170 122 107 131 151 184 205 192 218 311 Fresh vegetables..................... 169 124 108 142 141 185 197 191 218 297 Processed fruits..................... 102 89 66 88 97 112 111 113 137 145 Processed vegetables................. 79 75 60 66 69 79 87 81 116 137 Other food at home..................... 779 636 488 602 657 812 954 1,015 1,146 1,238 Sugar and other sweets............... 108 70 66 89 100 110 124 155 133 175 Fats and oils........................ 82 54 61 68 66 85 101 93 123 120 Miscellaneous foods.................. 366 325 223 283 310 374 446 470 600 568 Nonalcoholic beverages............... 190 172 130 147 167 211 240 230 229 271 Food prepared by consumer unit on out-of-town trips................... 34 d/ 15 9 16 14 32 42 68 61 105 Food away from home.................... 1,400 1,019 588 677 1,069 1,473 1,675 2,054 2,655 3,526 Alcoholic beverages......................... 239 79 98 100 143 207 274 317 584 880 Housing..................................... 9,581 6,853 5,659 6,942 8,179 9,524 10,933 12,157 13,737 19,397 Shelter.................................. 5,022 4,023 3,233 3,733 4,337 4,793 5,265 5,748 7,235 10,776 Owned dwellings........................ 3,322 1,818 1,503 1,999 2,860 3,304 3,572 4,498 5,489 8,141 Mortgage interest and charges........ 881 379 233 366 521 872 864 1,326 2,005 2,858 Property taxes....................... 1,263 830 739 902 1,216 1,226 1,405 1,509 1,822 2,560 Maintenance, repairs, insurance,other expenses............................ 1,178 609 531 731 1,123 1,207 1,302 1,663 1,662 2,722 Rented dwellings....................... 1,298 1,951 1,673 1,574 1,248 1,185 1,146 683 905 1,118 Other lodging.......................... 402 254 56 159 228 304 547 566 840 1,518 Utilities, fuels, and public services.... 2,424 1,810 1,641 1,963 2,268 2,501 2,746 2,924 3,178 3,781 Natural gas............................ 360 258 248 321 346 371 427 434 414 502 Electricity............................ 915 708 654 735 845 954 1,030 1,065 1,208 1,390 Fuel oil and other fuels............... 130 107 100 115 141 145 136 98 121 198 Telephone services..................... 686 522 450 536 615 689 757 881 1,011 1,120 Water and other public services........ 333 215 189 256 321 341 398 446 425 570 Household operations..................... 633 224 177 435 536 611 881 1,014 828 1,519 Personal services...................... 211 d/ 15 d/ 33 187 250 165 380 d/ 440 d/ 91 395 Other household expenses............... 423 209 144 248 287 446 501 575 738 1,124 Housekeeping supplies.................... 523 351 296 295 428 554 689 777 862 1,002 Laundry and cleaning supplies.......... 112 104 87 72 95 121 122 136 180 185 Other household products............... 257 143 140 133 199 254 348 462 422 535 Postage and stationery................. 154 104 69 90 134 180 219 180 259 282 Household furnishings and equipment...... 978 446 313 516 610 1,065 1,352 1,693 1,634 2,319 Household textiles..................... 104 55 64 45 80 134 144 93 237 163 Furniture.............................. 189 d/ 13 49 82 99 232 257 342 339 479 Floor coverings........................ 44 d/ 24 d/ 5 40 25 34 70 84 38 129 Major appliances....................... 157 127 69 123 102 161 155 246 277 326 Small appliances, miscellaneous housewares............................ 73 31 33 51 54 56 132 73 131 183 Miscellaneous household equipment...... 411 196 94 175 250 449 594 855 612 1,039 Apparel and services........................ 997 658 552 610 719 927 1,237 1,107 1,691 2,863 Men and boys............................. 205 177 88 124 113 199 291 213 461 526 Men, 16 and over....................... 179 d/ 148 77 95 106 178 247 187 415 471 Boys, 2 to 15.......................... 26 d/ 30 11 29 7 21 44 26 46 55 Women and girls.......................... 461 213 296 318 320 440 581 534 613 1,328 Women, 16 and over..................... 431 191 290 296 310 407 528 515 567 1,216 Girls, 2 to 15......................... 31 d/ 22 d/ 6 23 10 32 52 19 46 112 Children under 2......................... 19 d/ 3 7 7 13 21 29 34 33 40 Footwear................................. 170 d/ 153 97 100 173 164 145 141 363 470 Other apparel products and services...... 141 112 64 61 99 103 193 185 221 499 Transportation.............................. 4,850 2,366 1,281 2,674 3,834 4,967 5,886 6,696 10,116 11,489 Vehicle purchases (net outlay)........... 2,140 d/ 897 d/ 297 1,147 1,609 2,141 2,498 2,834 5,118 5,621 Cars and trucks, new................... 1,387 d/ 467 d/ 154 769 1,036 1,582 1,458 1,532 3,162 3,863 Cars and trucks, used.................. 737 d/ 430 142 351 573 559 1,037 1,223 1,956 1,678 Other vehicles......................... d/ 17 e/ e/ d/ 26 e/ e/ d/ 4 d/ 80 e/ d/ 81 Gasoline and motor oil................... 793 482 314 470 683 862 1,043 1,135 1,377 1,433 Other vehicle expenses................... 1,600 781 568 906 1,363 1,636 1,989 2,279 3,011 3,467 Vehicle finance charges................ 147 d/ 56 38 62 100 136 260 219 304 349 Maintenance and repairs................ 499 172 191 291 510 526 607 682 931 921 Vehicle insurance...................... 675 383 272 431 589 742 853 983 1,101 1,214 Vehicle rental, leases, licenses, other charges.............................. 279 170 68 122 164 232 270 395 675 984 Public transportation.................... 317 206 103 150 178 328 356 447 610 968 Health care................................. 3,784 2,378 1,952 2,884 3,632 4,432 4,482 4,722 4,928 5,782 Health insurance......................... 1,972 1,293 1,163 1,560 1,991 2,275 2,242 2,542 2,460 2,643 Medical services......................... 671 312 187 417 461 718 1,008 951 988 1,594 Drugs.................................... 975 618 549 775 1,041 1,208 1,050 1,055 1,276 1,268 Medical supplies......................... 166 154 53 132 138 232 183 173 204 277 Entertainment............................... 1,370 588 440 662 835 1,604 2,262 1,913 2,252 3,030 Fees and admissions...................... 320 147 63 129 143 290 392 486 705 1,146 Television, radios, sound equipment...... 484 333 259 369 411 492 590 626 738 856 Pets, toys, and playground equipment..... 291 68 107 134 179 557 273 443 403 413 Other entertainment supplies, equipment,and services.................. 276 40 11 31 102 265 1,006 358 406 615 Personal care products and services......... 458 303 233 315 417 474 519 595 762 866 Reading..................................... 150 69 58 98 113 170 171 209 255 328 Education................................... 188 d/ 170 d/ 19 48 59 126 200 336 369 958 Tobacco products and smoking supplies....... 167 116 117 122 158 177 189 226 187 280 Miscellaneous............................... 633 403 339 366 516 840 660 687 937 1,293 Cash contributions.......................... 1,991 662 537 818 1,208 1,686 2,397 2,140 2,517 9,278 Personal insurance and pensions............. 1,440 377 185 466 490 712 1,299 2,450 3,130 8,046 Life and other personal insurance........ 423 162 160 248 324 368 464 529 650 1,418 Pensions and Social Security............. 1,018 215 25 218 167 344 835 1,920 2,480 6,628 Sources of income and personal taxes: a/ Money income before taxes.................. 30,085 1,514 8,007 12,493 17,418 24,293 34,625 44,708 58,741 120,302 Wages and salaries....................... 7,849 194 156 490 1,190 2,776 7,832 12,389 19,207 54,797 Self-employment income................... 1,384 -2,239 18 79 44 335 484 1,511 3,056 13,733 Social Security, private and government retirement................... 18,365 3,044 7,141 11,321 15,293 19,538 23,751 26,482 32,062 38,735 Interest, dividends, rental income, other property income................... 1,820 137 141 198 418 1,236 2,020 3,459 3,606 10,478 Unemployment and workers'' compensation, veterans'' benefits..................... 97 d/ 2 d/ 8 d/ 9 60 69 163 417 270 130 Public assistance, supplemental security, income, food stamps..................... 271 201 433 306 322 220 237 147 d/ 197 181 Regular contributions for support........ 169 d/ 12 d/ 11 42 73 72 d/ 109 d/ 256 d/ 213 1,256 Other income............................. 128 d/ 163 100 48 d/ 18 49 d/ 29 d/ 49 d/ 130 d/ 992 Personal taxes............................. 1,470 221 62 101 175 2,688 570 1,160 2,395 8,131 Federal income taxes..................... 1,142 68 6 40 37 2,395 230 696 1,717 6,570 State and local income taxes............. 129 11 1 7 2 76 66 126 228 1,096 Other taxes.............................. 199 141 55 54 136 216 274 338 449 465 Income after taxes......................... 28,615 1,293 7,945 12,393 17,243 21,606 34,055 43,547 56,346 112,172 Net change in total assets and liabilities... -4,834 1,114 -23 -1,460 -4,811 -4,984 -2,628 -7,119 -6,357 -24,358 Net change in total assets............... -1,764 960 8 33 -1,695 -1,547 1,658 -2,615 -1,893 -15,621 Net change in total liabilities.......... 3,069 -154 30 1,492 3,116 3,437 4,286 4,504 4,464 8,737 Other financial information: Other money receipts..................... 529 d/ 11 118 265 358 174 1,250 974 551 1,954 Mortgage principal paid on owned property................................ -710 -185 -244 -237 -314 -874 -544 -1,119 -1,619 -2,351 Estimated market value of owned home..... 119,812 80,318 69,650 86,391 97,828 122,186 135,395 154,177 183,928 235,680 Estimated monthly rental value of owned home.................................... 760 553 436 587 663 825 855 931 1,037 1,348 Gifts of goods and services................. 941 417 232 503 515 832 1,298 1,261 1,540 3,491 Food..................................... 57 112 11 21 44 32 146 35 65 211 Alcoholic beverages...................... 10 d/ 7 d/ 5 d/ 4 d/ 7 14 11 d/ 2 10 45 Housing.................................. 226 98 66 117 145 203 384 355 329 639 Housekeeping supplies.................. 42 d/ 40 12 21 28 47 61 60 111 64 Household textiles..................... 14 d/ 4 d/ 1 d/ 8 16 15 25 d/ 9 d/ 35 20 Appliances and miscellaneous housewares........................... 27 d/ 1 d/ 11 d/ 13 11 14 64 70 35 77 Major appliances..................... 8 e/ e/ d/ 1 d/ 2 3 d/ 7 d/ 56 d/ 9 d/ 27 Small appliances and miscellaneous housewares......................... 19 d/ 1 d/ 11 d/ 12 d/ 9 10 57 d/ 14 d/ 26 50 Miscellaneous household equipment...... 58 d/ 17 10 26 25 64 108 113 79 146 Other housing.......................... 85 d/ 36 32 49 65 64 126 102 69 332 Apparel and services..................... 211 108 65 99 116 271 222 193 321 847 Males, 2 and over...................... 65 d/ 48 34 41 31 82 99 48 93 176 Females, 2 and over.................... 90 d/ 53 d/ 11 28 51 127 59 75 115 495 Children under 2....................... 18 d/ 3 7 7 12 20 27 33 33 38 Other apparel products and services.... 38 d/ 5 d/ 13 22 22 42 36 36 81 139 Jewelry and watches.................. 12 d/ 1 d/ 2 d/ 4 d/ 9 9 14 33 25 38 All other apparel products and services............................ 26 d/ 4 d/ 11 d/ 18 d/ 13 33 d/ 22 d/ 3 d/ 56 101 Transportation........................... 36 d/ 3 d/ 1 52 14 11 30 56 164 47 Health care.............................. 90 d/ 12 d/ 28 108 d/ 70 32 134 91 d/ 61 349 Entertainment............................ 55 d/ 32 16 33 35 53 67 80 97 171 Toys, games, hobbies, and tricycles.... 24 d/ 6 d/ 5 18 14 29 27 51 54 38 Other entertainment.................... 31 d/ 25 11 15 21 24 40 29 43 133 Personal care products and services...... 17 d/ 10 c/ 21 14 16 d/ 13 34 45 d/ 12 Reading.................................. 3 d/ 2 1 1 2 4 3 6 7 10 Education................................ 131 d/ 12 d/ 7 12 16 89 146 271 279 771 All other gifts.......................... 103 23 31 34 52 106 143 138 162 389 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 Data are likely to have large sampling errors. e No data reported. n.a. Not applicable.