Table 31. Northeastern region 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)...... 17,766 880 1,276 1,469 1,224 2,121 1,793 1,579 2,479 4,946 Income before taxes a/ ...................... $55,278 $1,925 $7,797 $12,410 $17,354 $24,382 $34,422 $44,396 $59,155 $121,479 Income after taxes a/ ....................... 52,930 1,956 7,752 12,388 17,290 24,086 33,601 42,939 56,846 115,119 Age of the reference person.................. 49.4 40.2 54.0 60.3 57.5 52.6 49.8 46.6 45.6 45.7 Average number in consumer unit: Persons..................................... 2.4 1.5 1.5 1.7 1.9 2.1 2.3 2.5 2.8 3.1 Children under 18........................... .6 .3 .3 .3 .4 .5 .5 .6 .7 .8 Persons 65 and over......................... .3 .2 .4 .6 .6 .5 .4 .2 .2 .1 Earners..................................... 1.3 .8 .5 .5 .7 .9 1.2 1.5 1.7 2.0 Vehicles.................................... 1.7 .5 .6 .8 1.1 1.2 1.6 1.8 2.2 2.5 Percent distribution: Male........................................ 52 44 36 36 39 49 49 56 55 64 Female...................................... 48 56 64 64 61 51 51 44 45 36 Homeowner................................... 63 21 30 42 54 53 57 70 74 86 With mortgage.............................. 38 6 5 7 16 20 28 46 53 68 Without mortgage........................... 25 16 26 35 38 33 29 24 21 19 Renter...................................... 37 79 70 58 46 47 43 30 26 14 Black or African American................... 10 15 17 14 11 11 12 11 6 5 White, Asian, and All Other Races........... 90 85 83 86 89 89 88 89 94 95 Elementary (1-8)............................ 6 12 13 15 12 8 4 3 1 1 High school (9-12).......................... 39 34 53 53 52 49 48 40 35 21 College..................................... 56 53 33 31 36 43 47 58 64 77 Never attended and other.................... b/ 1 b/ b/ b/ c/ b/ b/ b/ b/ At least one vehicle owned or leased........ 80 36 46 55 77 75 85 91 95 95 Average annual expenditures.................. $44,474 $17,701 $16,565 $20,855 $24,179 $28,714 $34,625 $40,792 $48,832 $78,094 Food........................................ 6,024 3,801 3,033 3,561 3,673 4,455 5,435 5,835 6,487 9,374 Food at home............................. 3,425 2,307 1,856 2,567 2,420 3,014 3,195 3,423 3,524 4,795 Cereals and bakery products............ 510 359 287 396 426 435 453 500 512 711 Cereals and cereal products.......... 168 149 111 120 123 145 154 147 171 236 Bakery products...................... 342 210 175 276 303 291 299 352 341 475 Meats, poultry, fish, and eggs......... 899 639 491 688 543 808 867 899 949 1,242 Beef................................. 239 221 123 153 144 220 229 204 264 341 Pork................................. 169 113 86 164 90 167 165 182 186 213 Other meats.......................... 126 63 73 114 80 110 117 126 155 162 Poultry.............................. 169 111 117 115 85 139 163 168 180 244 Fish and seafood..................... 157 101 71 113 113 133 155 181 126 234 Eggs................................. 38 30 21 29 31 39 40 38 39 48 Dairy products......................... 366 238 199 249 272 350 338 403 374 496 Fresh milk and cream................. 134 89 96 98 120 144 134 140 129 164 Other dairy products................. 232 150 103 151 151 206 204 263 245 331 Fruits and vegetables.................. 616 399 319 462 475 547 607 576 589 881 Fresh fruits......................... 195 136 101 134 138 164 195 161 165 309 Fresh vegetables..................... 200 127 92 144 151 184 203 195 200 281 Processed fruits..................... 133 84 75 100 109 121 138 126 130 180 Processed vegetables................. 88 51 51 84 76 78 72 94 94 112 Other food at home..................... 1,034 672 560 772 704 873 930 1,046 1,100 1,465 Sugar and other sweets............... 132 96 77 115 102 110 121 133 125 184 Fats and oils........................ 93 71 58 74 67 86 91 85 110 119 Miscellaneous foods.................. 485 272 251 336 363 388 417 517 503 712 Nonalcoholic beverages............... 283 215 153 231 161 262 264 277 323 375 Food prepared by consumer unit on out-of-town trips................... 41 19 22 d/ 16 d/ 12 27 36 34 39 74 Food away from home.................... 2,599 1,494 1,176 995 1,253 1,441 2,240 2,412 2,963 4,579 Alcoholic beverages......................... 508 250 193 284 159 260 446 523 609 881 Housing..................................... 14,959 6,386 6,339 8,180 9,351 10,399 12,133 13,641 15,666 25,200 Shelter.................................. 9,099 4,085 3,932 4,863 5,713 6,235 7,225 8,236 9,450 15,426 Owned dwellings........................ 5,845 1,124 1,105 1,604 2,613 2,579 3,489 4,991 6,319 12,257 Mortgage interest and charges........ 2,870 341 236 239 586 826 1,390 2,412 3,563 6,558 Property taxes....................... 1,923 491 497 853 1,174 1,103 1,433 1,587 1,903 3,695 Maintenance, repairs, insurance,other expenses............................ 1,052 292 372 513 853 650 666 992 853 2,004 Rented dwellings....................... 2,654 2,596 2,675 3,101 2,962 3,466 3,478 2,837 2,527 1,809 Other lodging.......................... 600 365 153 159 138 190 258 408 605 1,360 Utilities, fuels, and public services.... 2,826 1,161 1,412 1,855 2,194 2,363 2,720 2,864 3,201 3,970 Natural gas............................ 475 173 269 332 423 457 516 499 473 622 Electricity............................ 880 354 440 567 724 710 835 896 1,020 1,231 Fuel oil and other fuels............... 269 111 111 166 232 249 265 224 302 386 Telephone services..................... 958 471 520 629 627 744 899 976 1,118 1,364 Water and other public services........ 245 53 71 160 188 202 205 269 288 366 Household operations..................... 849 99 198 538 327 464 418 575 660 1,875 Personal services...................... 424 d/ 19 d/ 61 358 153 177 144 260 290 1,005 Other household expenses............... 424 80 136 180 175 287 274 316 370 870 Housekeeping supplies.................... 582 385 293 346 456 466 480 542 658 871 Laundry and cleaning supplies.......... 133 97 90 74 167 106 139 122 134 174 Other household products............... 281 171 130 150 135 232 211 284 303 461 Postage and stationery................. 168 118 74 121 154 128 131 135 222 236 Household furnishings and equipment...... 1,603 656 504 577 660 871 1,290 1,424 1,696 3,058 Household textiles..................... 140 48 52 33 66 134 99 190 116 245 Furniture.............................. 442 59 179 120 131 204 267 387 397 957 Floor coverings........................ 61 d/ 9 d/ 10 52 d/ 27 20 45 36 45 134 Major appliances....................... 192 56 37 124 84 89 153 185 171 373 Small appliances, miscellaneous housewares............................ 96 43 38 26 58 66 116 83 131 145 Miscellaneous household equipment...... 671 440 188 221 293 357 609 544 836 1,203 Apparel and services........................ 2,073 1,245 1,138 1,100 1,467 1,363 1,670 1,724 1,989 3,567 Men and boys............................. 447 261 218 185 321 284 467 377 458 739 Men, 16 and over....................... 353 225 186 125 255 214 407 294 354 581 Boys, 2 to 15.......................... 94 36 33 60 66 70 60 82 104 158 Women and girls.......................... 848 506 520 537 662 552 610 759 785 1,432 Women, 16 and over..................... 707 451 485 479 574 440 522 684 669 1,141 Girls, 2 to 15......................... 140 55 34 58 88 111 88 75 116 292 Children under 2......................... 77 d/ 23 27 46 68 43 66 69 76 134 Footwear................................. 401 353 252 211 272 313 308 308 427 646 Other apparel products and services...... 301 101 121 121 144 172 219 212 244 616 Transportation.............................. 7,315 1,649 1,959 3,012 3,138 4,333 5,764 7,952 9,584 12,524 Vehicle purchases (net outlay)........... 3,106 d/ 322 d/ 689 1,322 986 1,610 2,398 3,737 4,382 5,337 Cars and trucks, new................... 1,731 d/ 103 d/ 250 d/ 188 d/ 684 851 919 2,143 2,372 3,337 Cars and trucks, used.................. 1,330 d/ 219 438 1,134 302 759 1,480 1,501 1,906 1,919 Other vehicles......................... 45 c/ d/ 1 c/ c/ c/ c/ d/ 93 d/ 104 d/ 81 Gasoline and motor oil................... 1,139 371 320 463 591 771 1,042 1,170 1,472 1,838 Other vehicle expenses................... 2,458 672 646 942 1,259 1,490 1,893 2,511 3,067 4,295 Vehicle finance charges................ 290 48 41 63 109 144 219 308 450 512 Maintenance and repairs................ 621 170 231 262 386 449 546 611 752 1,008 Vehicle insurance...................... 953 296 270 425 526 647 756 1,005 1,189 1,578 Vehicle rental, leases, licenses, other charges.............................. 594 159 104 192 238 249 372 587 675 1,196 Public transportation.................... 612 284 304 285 301 463 432 533 663 1,054 Health care................................. 2,233 704 1,078 1,731 2,258 2,070 2,382 2,109 2,228 3,005 Health insurance......................... 1,217 371 748 1,012 1,261 1,129 1,324 1,079 1,233 1,575 Medical services......................... 496 117 124 254 396 340 481 520 529 803 Drugs.................................... 416 168 167 385 497 511 473 431 363 476 Medical supplies......................... 104 48 38 80 105 90 103 79 102 152 Entertainment............................... 2,320 693 667 819 978 1,842 1,447 1,917 2,557 4,334 Fees and admissions...................... 661 202 168 132 179 278 305 486 605 1,523 Television, radios, sound equipment...... 767 292 363 466 469 565 693 829 888 1,153 Pets, toys, and playground equipment..... 467 136 80 154 205 814 229 348 505 729 Other entertainment supplies, equipment,and services.................. 424 63 56 68 124 185 220 253 560 930 Personal care products and services......... 555 314 261 285 293 418 425 506 631 917 Reading..................................... 167 52 79 100 91 130 129 171 170 275 Education................................... 1,092 1,870 577 256 312 469 422 555 742 2,387 Tobacco products and smoking supplies....... 326 166 217 203 334 310 344 431 471 310 Miscellaneous............................... 686 163 332 317 424 483 600 601 983 1,044 Cash contributions.......................... 1,303 183 368 442 755 762 770 954 1,133 2,758 Personal insurance and pensions............. 4,913 223 325 565 947 1,418 2,659 3,872 5,583 11,518 Life and other personal insurance........ 487 86 130 231 258 169 306 405 463 1,023 Pensions and Social Security............. 4,426 137 195 333 689 1,249 2,353 3,467 5,120 10,495 Sources of income and personal taxes: a/ Money income before taxes.................. 55,278 1,925 7,797 12,410 17,354 24,382 34,422 44,396 59,155 121,479 Wages and salaries....................... 45,961 1,343 2,121 3,749 7,440 13,779 25,182 35,784 50,728 109,475 Self-employment income................... 1,726 -521 d/ 152 d/ 113 255 439 723 1,575 1,655 4,374 Social Security, private and government retirement................... 5,444 439 3,599 6,957 7,713 8,332 6,741 5,400 4,565 4,547 Interest, dividends, rental income, other property income................... 1,030 75 94 138 245 520 803 616 1,028 2,334 Unemployment and workers'' compensation, veterans'' benefits..................... 321 d/ 12 176 d/ 116 452 363 356 350 461 331 Public assistance, supplemental security, income, food stamps..................... 358 300 1,201 1,024 737 484 120 166 d/ 147 60 Regular contributions for support........ 287 80 212 177 299 321 309 434 460 218 Other income............................. 150 197 242 136 213 143 187 d/ 72 111 141 Personal taxes............................. 2,348 -30 45 23 63 295 821 1,458 2,309 6,360 Federal income taxes..................... 1,621 -41 -32 -36 -80 64 359 858 1,464 4,703 State and local income taxes............. 532 -16 1 -6 37 99 242 452 610 1,326 Other taxes.............................. 196 d/ 27 76 65 106 133 220 148 236 331 Income after taxes......................... 52,930 1,956 7,752 12,388 17,290 24,086 33,601 42,939 56,846 115,119 Net change in total assets and liabilities... -10,092 1,007 489 1,761 -2,976 1,053 -2,340 -5,836 -10,957 -28,594 Net change in total assets............... 7,182 1,374 2,145 1,550 -1,000 3,636 5,987 8,594 6,542 15,035 Net change in total liabilities.......... 17,274 367 1,657 -210 1,977 2,583 8,327 14,430 17,499 43,629 Other financial information: Other money receipts..................... 665 568 45 2,177 94 181 1,055 414 955 537 Mortgage principal paid on owned property................................ -1,719 -190 -114 -367 -480 -505 -707 -1,666 -1,758 -4,000 Estimated market value of owned home..... 126,509 38,993 39,657 62,627 71,752 76,062 91,140 96,497 122,500 243,058 Estimated monthly rental value of owned home.................................... 815 224 279 440 491 549 600 686 866 1,458 Gifts of goods and services................. 1,298 686 316 605 591 629 1,022 938 1,320 2,559 Food..................................... 138 94 d/ 14 73 d/ 18 46 219 25 128 283 Alcoholic beverages...................... 18 d/ 11 d/ 11 d/ 16 d/ 18 9 12 d/ 23 16 27 Housing.................................. 275 199 76 114 103 195 275 242 283 477 Housekeeping supplies.................. 65 54 d/ 32 31 d/ 24 43 57 58 78 107 Household textiles..................... 18 d/ 21 b/ d/ 7 d/ 4 d/ 35 d/ 22 d/ 30 d/ 8 21 Appliances and miscellaneous housewares........................... 25 d/ 7 d/ 10 d/ 3 d/ 7 d/ 12 31 d/ 48 36 35 Major appliances..................... 7 d/ 4 c/ b/ d/ 3 6 d/ 10 d/ 23 d/ 4 6 Small appliances and miscellaneous housewares......................... 19 d/ 3 d/ 10 d/ 2 d/ 4 d/ 5 21 d/ 25 32 29 Miscellaneous household equipment...... 69 69 8 37 19 32 76 54 98 113 Other housing.......................... 98 d/ 48 25 37 50 74 89 53 63 202 Apparel and services..................... 277 208 135 158 187 102 246 273 278 483 Males, 2 and over...................... 73 111 44 24 76 21 57 76 74 120 Females, 2 and over.................... 100 d/ 46 d/ 52 79 63 39 95 82 104 173 Children under 2....................... 46 d/ 12 d/ 9 30 38 15 39 55 45 82 Other apparel products and services.... 58 d/ 39 d/ 30 d/ 25 d/ 10 26 55 60 55 108 Jewelry and watches.................. 25 d/ 11 d/ 14 d/ 6 d/ 6 8 17 d/ 26 13 55 All other apparel products and services............................ 33 d/ 28 d/ 16 d/ 18 d/ 4 d/ 17 d/ 38 d/ 34 d/ 42 52 Transportation........................... 47 d/ 9 d/ 3 d/ 104 12 5 22 27 157 33 Health care.............................. 31 d/ 7 d/ 7 d/ 13 d/ 14 d/ 16 d/ 10 d/ 32 38 63 Entertainment............................ 77 37 21 46 41 55 46 49 73 149 Toys, games, hobbies, and tricycles.... 30 d/ 10 d/ 12 19 d/ 15 21 24 24 41 47 Other entertainment.................... 47 27 9 27 26 34 22 25 32 102 Personal care products and services...... 23 54 d/ 8 14 d/ 7 31 7 25 33 27 Reading.................................. 2 b/ d/ 1 1 d/ 1 1 d/ 2 2 2 3 Education................................ 319 d/ 49 d/ 14 d/ 16 d/ 163 d/ 136 141 165 184 836 All other gifts.......................... 91 17 26 50 25 33 42 75 127 178 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.