Table 36. Consumer units of two or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 56,944 1,556 2,663 4,113 4,329 8,070 6,782 5,716 9,578 14,136 Income before taxes a/ ...................... $52,599 $1,164 $7,726 $12,560 $17,383 $24,558 $34,534 $44,480 $58,719 $112,959 Income after taxes a/ ....................... 48,934 1,090 7,862 12,652 17,280 24,011 33,129 42,059 54,788 102,813 Age of the reference person.................. 46.5 43.1 48.9 49.9 51.2 48.7 46.2 44.4 44.0 45.4 Average number in consumer unit: Persons..................................... 3.1 3.1 2.9 3.0 2.9 3.1 3.1 3.1 3.2 3.3 Children under 18........................... 1.0 1.1 1.0 1.0 .8 .9 .9 .9 1.0 1.0 Persons 65 and over......................... .3 .2 .4 .5 .7 .5 .3 .2 .2 .1 Earners..................................... 1.7 1.2 .9 1.0 1.1 1.3 1.6 1.8 2.0 2.2 Vehicles.................................... 2.3 1.5 1.2 1.5 1.7 2.0 2.3 2.5 2.7 3.0 Percent distribution: Male........................................ 59 41 32 44 53 57 58 64 65 67 Female...................................... 41 59 68 56 47 43 42 36 35 33 Homeowner................................... 71 43 44 51 57 63 67 71 80 90 With mortgage.............................. 47 22 14 20 21 30 40 50 61 74 Without mortgage........................... 24 21 30 31 36 33 27 21 19 16 Renter...................................... 29 57 56 49 43 37 33 29 20 10 Black....................................... 12 21 26 22 17 12 11 10 8 6 White and other............................. 88 79 74 78 83 88 89 90 92 94 Elementary (1-8)............................ 6 11 17 14 13 8 6 4 2 1 High school (9-12).......................... 40 50 56 54 54 51 46 41 36 21 College..................................... 54 38 26 31 32 40 48 56 62 78 Never attended and other.................... b/ 1 1 1 1 1 b/ b/ b/ b/ At least one vehicle owned or leased........ 93 74 68 80 88 93 97 97 98 98 Average annual expenditures.................. $46,416 $25,797 $19,921 $23,564 $26,477 $31,838 $37,581 $43,514 $50,786 $77,000 Food........................................ 6,335 4,265 3,632 3,732 4,348 5,027 5,623 6,565 6,890 8,950 Food at home............................. 3,724 2,971 2,665 2,657 3,020 3,314 3,448 3,909 3,944 4,627 Cereals and bakery products............ 565 416 419 390 455 505 527 566 606 709 Cereals and cereal products.......... 200 156 176 149 168 195 199 209 205 227 Bakery products...................... 365 260 243 242 287 310 328 358 401 482 Meats, poultry, fish, and eggs......... 966 891 775 770 841 919 922 1,009 984 1,118 Beef................................. 287 237 232 228 251 256 277 308 296 336 Pork................................. 202 170 188 168 187 215 198 214 207 207 Other meats.......................... 123 127 73 111 104 125 115 128 133 136 Poultry.............................. 177 179 141 138 141 170 166 184 176 212 Fish and seafood..................... 136 128 99 85 119 113 118 134 134 184 Eggs................................. 41 49 40 39 40 41 49 40 38 42 Dairy products......................... 410 318 277 292 318 352 397 432 447 508 Fresh milk and cream................. 162 138 126 131 134 144 172 162 172 185 Other dairy products................. 248 180 151 161 184 208 225 270 275 324 Fruits and vegetables.................. 631 527 444 452 527 571 574 653 628 807 Fresh fruits......................... 192 173 128 133 157 177 172 199 185 254 Fresh vegetables..................... 191 149 131 139 157 174 177 192 186 248 Processed fruits..................... 142 115 111 99 114 125 126 140 149 183 Processed vegetables................. 106 90 75 80 99 95 100 122 109 123 Other food at home..................... 1,152 819 750 753 879 967 1,028 1,248 1,279 1,485 Sugar and other sweets............... 147 104 98 96 120 125 131 155 163 189 Fats and oils........................ 103 87 77 74 98 104 97 112 104 115 Miscellaneous foods.................. 537 366 318 323 398 431 470 581 610 719 Nonalcoholic beverages............... 312 225 236 232 240 273 291 346 349 369 Food prepared by consumer unit on out-of-town trips................... 52 38 21 27 22 35 38 53 54 92 Food away from home.................... 2,611 1,294 967 1,075 1,329 1,713 2,175 2,656 2,946 4,323 Alcoholic beverages......................... 405 257 122 185 168 259 301 339 479 713 Housing..................................... 14,147 9,196 7,139 8,079 8,483 9,789 11,431 13,044 15,035 23,115 Shelter.................................. 7,938 5,280 3,840 4,394 4,607 5,311 6,409 7,240 8,264 13,350 Owned dwellings........................ 5,510 2,497 1,483 1,879 2,031 2,815 3,867 4,627 6,140 10,978 Mortgage interest and charges........ 3,277 1,376 649 770 787 1,289 2,179 2,886 3,822 6,925 Property taxes....................... 1,246 672 467 568 657 774 929 950 1,340 2,311 Maintenance, repairs, insurance,other expenses............................ 987 450 367 542 586 752 760 791 978 1,742 Rented dwellings....................... 1,890 2,481 2,238 2,333 2,334 2,210 2,248 2,258 1,618 1,174 Other lodging.......................... 538 302 119 182 241 286 293 355 505 1,197 Utilities, fuels, and public services.... 2,777 2,062 2,037 2,169 2,225 2,404 2,604 2,727 2,942 3,547 Natural gas............................ 322 217 213 228 265 269 284 311 340 439 Electricity............................ 1,030 781 825 879 898 943 988 1,012 1,086 1,220 Fuel oil and other fuels............... 98 83 81 102 77 95 100 91 97 115 Telephone services..................... 979 770 706 727 726 801 923 969 1,047 1,292 Water and other public services........ 347 212 213 232 259 296 309 344 372 481 Household operations..................... 824 439 242 285 345 435 473 607 883 1,718 Personal services...................... 425 184 115 133 184 228 241 328 530 836 Other household expenses............... 400 255 126 151 160 207 232 280 353 882 Housekeeping supplies.................... 668 400 374 391 394 475 572 653 780 990 Laundry and cleaning supplies.......... 171 148 123 117 136 149 151 168 177 226 Other household products............... 332 176 181 153 186 220 297 311 423 492 Postage and stationery................. 165 76 70 121 72 106 123 175 180 272 Household furnishings and equipment...... 1,939 1,014 646 839 913 1,165 1,374 1,816 2,167 3,510 Household textiles..................... 141 44 50 81 77 110 93 126 160 239 Furniture.............................. 476 311 133 213 220 274 360 338 491 929 Floor coverings........................ 59 84 6 21 20 23 40 61 57 119 Major appliances....................... 226 157 129 138 141 177 163 248 222 355 Small appliances, miscellaneous housewares............................ 119 70 50 46 49 75 89 116 129 214 Miscellaneous household equipment...... 918 347 276 341 405 506 630 928 1,109 1,654 Apparel and services........................ 2,311 1,606 1,095 1,198 1,492 1,608 1,936 1,900 2,368 3,866 Men and boys............................. 575 371 235 211 312 357 495 443 605 1,032 Men, 16 and over....................... 438 180 152 132 201 246 371 328 456 843 Boys, 2 to 15.......................... 137 190 83 79 111 111 124 116 149 190 Women and girls.......................... 878 613 386 489 620 583 685 750 903 1,474 Women, 16 and over..................... 712 490 284 370 521 435 557 617 734 1,219 Girls, 2 to 15......................... 166 123 101 119 99 148 129 133 169 255 Children under 2......................... 117 125 100 91 76 80 105 133 129 153 Footwear................................. 421 309 239 250 336 397 439 357 439 554 Other apparel products and services...... 319 188 135 156 148 190 212 217 292 653 Transportation.............................. 8,965 4,715 3,656 4,978 5,506 6,261 7,751 9,382 10,178 13,785 Vehicle purchases (net outlay)........... 4,268 1,976 1,830 2,537 2,716 2,932 3,599 4,819 4,788 6,466 Cars and trucks, new................... 1,963 c/ 410 653 623 984 1,169 1,234 1,966 2,096 3,783 Cars and trucks, used.................. 2,258 1,566 1,177 1,906 1,730 1,744 2,339 2,784 2,643 2,584 Other vehicles......................... 46 d/ d/ c/ 8 c/ 3 c/ 19 c/ 26 69 49 99 Gasoline and motor oil................... 1,432 902 676 857 972 1,138 1,368 1,497 1,695 1,935 Other vehicle expenses................... 2,785 1,591 954 1,366 1,562 1,910 2,462 2,732 3,229 4,422 Vehicle finance charges................ 420 208 107 150 207 263 403 461 577 619 Maintenance and repairs................ 801 475 334 519 547 598 751 797 867 1,178 Vehicle insurance...................... 934 549 366 484 581 734 888 967 1,111 1,328 Vehicle rental, leases, licenses, other charges.............................. 630 360 148 213 226 315 420 507 674 1,297 Public transportation.................... 480 247 196 218 255 281 322 334 466 963 Health care................................. 2,336 1,430 1,196 1,586 2,121 2,270 2,273 2,255 2,468 2,943 Health insurance......................... 1,100 645 608 801 1,001 1,124 1,133 1,138 1,162 1,274 Medical services......................... 653 425 298 254 428 531 596 568 717 1,019 Drugs.................................... 453 285 252 432 595 506 436 420 436 473 Medical supplies......................... 129 75 38 99 96 109 108 128 153 178 Entertainment............................... 2,371 1,231 864 1,163 1,050 1,472 1,811 2,063 2,743 4,183 Fees and admissions...................... 628 311 178 201 231 302 367 458 646 1,364 Television, radios, sound equipment...... 728 475 386 455 473 528 634 716 839 1,068 Pets, toys, and playground equipment..... 431 258 180 198 237 279 336 416 515 701 Other entertainment supplies, equipment,and services.................. 583 187 120 310 109 363 474 473 743 1,051 Personal care products and services......... 673 468 380 378 435 541 565 683 723 994 Reading..................................... 178 87 67 76 92 122 137 151 200 315 Education................................... 695 392 215 260 267 318 440 469 685 1,513 Tobacco products and smoking supplies....... 378 377 387 349 328 369 389 453 424 339 Miscellaneous............................... 980 561 495 469 630 727 802 1,016 1,055 1,530 Cash contributions.......................... 1,405 600 276 341 493 1,214 1,090 965 1,365 2,760 Personal insurance and pensions............. 5,237 611 396 770 1,064 1,861 3,031 4,230 6,173 11,993 Life and other personal insurance........ 522 290 149 262 236 338 424 389 544 971 Pensions and Social Security............. 4,715 321 247 507 828 1,523 2,607 3,841 5,629 11,023 Sources of income and personal taxes: a/ Money income before taxes.................. 52,599 1,164 7,726 12,560 17,383 24,558 34,534 44,480 58,719 112,959 Wages and salaries....................... 42,854 1,450 2,525 5,339 8,463 15,414 26,030 36,406 51,307 97,073 Self-employment income................... 3,017 -1,715 177 307 374 813 1,336 1,783 1,994 8,926 Social Security, private and government retirement................... 4,764 554 3,169 5,054 7,085 7,065 5,674 4,821 3,826 3,595 Interest, dividends, rental income, other property income................... 890 36 19 85 128 258 548 537 765 2,369 Unemployment and workers'' compensation, veterans'' benefits..................... 206 55 68 135 171 239 272 306 211 187 Public assistance, supplemental security, income, food stamps..................... 380 540 1,403 1,315 763 375 263 154 138 95 Regular contributions for support........ 319 131 217 202 282 302 297 342 353 391 Other income............................. 169 114 146 124 118 92 113 130 126 323 Personal taxes............................. 3,665 74 -136 -92 103 547 1,405 2,421 3,931 10,147 Federal income taxes..................... 2,812 28 -192 -166 -28 301 1,000 1,765 2,908 8,083 State and local income taxes............. 675 10 8 16 40 139 277 484 826 1,733 Other taxes.............................. 177 36 48 58 91 106 129 172 197 331 Income after taxes......................... 48,934 1,090 7,862 12,652 17,280 24,011 33,129 42,059 54,788 102,813 Net change in total assets and liabilities... -153 26,309 2,043 -680 -144 458 -2,335 -3,541 -2,916 611 Net change in total assets............... 8,072 26,104 2,651 173 1,112 4,022 4,017 4,441 6,443 18,368 Net change in total liabilities.......... 8,225 -205 608 853 1,256 3,564 6,352 7,982 9,359 17,757 Other financial information: Other money receipts..................... 685 857 548 57 298 269 570 434 1,010 1,167 Mortgage principal paid on owned property................................ -1,601 -5,778 -290 -401 -550 -635 -870 -1,187 -1,578 -3,143 Estimated market value of owned home..... 100,334 51,340 41,091 48,367 57,192 65,970 73,135 81,893 102,539 183,847 Estimated monthly rental value of owned home.................................... 693 350 286 361 421 471 551 597 745 1,187 Gifts of goods and services................. 1,278 705 531 568 567 750 869 886 1,226 2,589 Food..................................... 95 48 25 20 18 30 40 62 83 243 Alcoholic beverages...................... 20 c/ 17 c/ 8 c/ 7 8 9 16 13 21 39 Housing.................................. 353 174 133 185 158 207 235 284 350 688 Housekeeping supplies.................. 53 27 19 23 22 39 39 43 65 88 Household textiles..................... 19 b/ c/ 13 c/ 6 c/ 8 17 10 18 22 33 Appliances and miscellaneous housewares........................... 39 c/ 4 c/ 6 5 8 17 29 51 48 73 Major appliances..................... 9 c/ 1 c/ 1 c/ 2 c/ 3 c/ 2 6 23 11 13 Small appliances and miscellaneous housewares......................... 30 c/ 3 c/ 5 c/ 3 5 15 22 28 37 60 Miscellaneous household equipment...... 80 14 24 40 35 52 55 65 78 156 Other housing.......................... 163 129 71 111 84 83 102 107 138 337 Apparel and services..................... 283 255 177 170 175 181 229 232 279 478 Males, 2 and over...................... 76 51 43 33 48 46 48 58 75 143 Females, 2 and over.................... 101 95 59 65 62 69 82 65 92 180 Children under 2....................... 56 28 43 36 27 35 48 57 61 88 Other apparel products and services.... 50 81 32 38 39 32 50 52 51 68 Jewelry and watches.................. 16 c/ 24 c/ 2 9 14 7 13 13 18 26 All other apparel products and services............................ 34 c/ 57 c/ 30 c/ 29 25 25 37 38 33 41 Transportation........................... 78 16 37 26 24 54 37 38 69 178 Health care.............................. 31 c/ 2 c/ 7 c/ 10 c/ 10 43 39 9 19 59 Entertainment............................ 119 81 36 51 58 89 82 91 131 216 Toys, games, hobbies, and tricycles.... 36 19 12 23 18 33 29 40 43 50 Other entertainment.................... 83 62 24 28 40 55 53 51 88 166 Personal care products and services...... 24 15 13 6 9 24 24 31 24 32 Reading.................................. 2 c/ 1 2 1 1 2 2 2 3 4 Education................................ 179 49 22 45 34 42 91 55 158 489 All other gifts.......................... 94 47 70 45 71 69 75 68 89 163 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.