Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000 Complete reporting of income Incomple- All te Item consumer reporting units Total Lowest Second Third Fourth Highest of complete 20 20 20 20 20 income reporting percent percent percent percent percent Number of consumer units (in thousands)...... 109,367 81,454 16,268 16,292 16,290 16,283 16,321 27,912 Lower limit.................................. n.a. n.a. n.a. $13,061 $25,219 $41,493 $67,517 n.a. Income before taxes a/ ...................... $44,649 $44,649 $7,683 $19,071 $32,910 $53,295 $110,118 a/ Income after taxes a/ ....................... 41,532 41,532 7,457 18,637 31,349 49,695 100,369 a/ Age of the reference person.................. 48.2 48.1 51.9 51.7 47.0 44.4 45.3 48.4 Average number in consumer unit: Persons..................................... 2.5 2.5 1.8 2.3 2.5 2.8 3.2 2.6 Children under 18........................... .7 .7 .4 .6 .7 .8 .9 .7 Persons 65 and over......................... .3 .3 .4 .5 .3 .2 .1 .3 Earners..................................... 1.4 1.4 .7 1.0 1.4 1.7 2.1 1.4 Vehicles.................................... 1.9 1.9 1.0 1.5 1.9 2.4 2.9 1.9 Percent distribution: Male........................................ 53 53 37 47 55 62 65 52 Female...................................... 47 47 63 53 45 38 35 48 Homeowner................................... 66 65 43 57 62 75 88 68 With mortgage.............................. 39 39 10 21 36 55 72 38 Without mortgage........................... 27 26 32 36 25 19 16 30 Renter...................................... 34 35 57 43 38 25 12 32 Black....................................... 12 12 17 13 12 10 7 13 White and other............................. 88 88 83 87 88 90 93 87 Elementary (1-8)............................ 6 6 14 10 5 2 1 6 High school (9-12).......................... 39 39 47 49 41 35 20 41 College..................................... 54 55 39 40 54 63 78 53 Never attended and other.................... b/ b/ 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 88 88 66 86 94 97 98 87 Average annual expenditures.................. $38,045 $40,238 $17,940 $26,550 $34,716 $46,794 $75,102 $32,063 Food........................................ 5,158 5,435 2,673 4,178 5,183 6,452 8,679 4,517 Food at home............................. 3,021 3,154 1,826 2,765 3,081 3,590 4,507 2,711 Cereals and bakery products............ 453 474 270 417 470 530 683 405 Cereals and cereal products.......... 156 163 96 156 165 181 215 142 Bakery products...................... 297 312 174 261 306 349 469 263 Meats, poultry, fish, and eggs......... 795 817 492 755 832 905 1,101 745 Beef................................. 238 243 141 226 253 267 330 226 Pork................................. 167 171 114 172 173 190 204 158 Other meats.......................... 101 104 65 94 109 121 133 92 Poultry.............................. 145 150 89 134 152 164 208 135 Fish and seafood..................... 110 114 57 95 103 127 186 102 Eggs................................. 34 36 26 35 42 35 41 32 Dairy products......................... 325 339 197 290 344 393 474 291 Fresh milk and cream................. 131 138 92 124 142 151 181 116 Other dairy products................. 193 201 105 166 202 242 293 175 Fruits and vegetables.................. 521 544 326 498 514 590 790 468 Fresh fruits......................... 163 170 102 163 155 179 249 148 Fresh vegetables..................... 159 166 97 151 154 179 248 141 Processed fruits..................... 115 120 77 101 116 133 176 102 Processed vegetables................. 84 87 50 82 88 100 116 76 Other food at home..................... 927 980 541 805 921 1,172 1,459 802 Sugar and other sweets............... 117 125 66 104 111 149 194 100 Fats and oils........................ 83 86 53 83 86 95 110 77 Miscellaneous foods.................. 437 460 241 363 423 559 714 384 Nonalcoholic beverages............... 250 265 156 228 269 317 356 213 Food prepared by consumer unit on out-of-town trips................... 40 44 25 26 32 52 84 28 Food away from home.................... 2,137 2,280 848 1,413 2,102 2,862 4,173 1,805 Alcoholic beverages......................... 372 423 206 248 366 513 780 254 Housing..................................... 12,319 12,527 6,509 8,482 10,857 14,152 22,611 11,789 Shelter.................................. 7,114 7,134 3,735 4,721 6,263 7,933 13,004 7,056 Owned dwellings........................ 4,602 4,599 1,466 2,150 3,451 5,454 10,459 4,613 Mortgage interest and charges........ 2,639 2,673 524 811 1,876 3,413 6,729 2,540 Property taxes....................... 1,139 1,084 510 696 854 1,132 2,226 1,297 Maintenance, repairs, insurance,other expenses............................ 825 842 431 643 722 908 1,503 776 Rented dwellings....................... 2,034 2,062 2,035 2,354 2,525 2,034 1,364 1,952 Other lodging.......................... 478 473 234 217 288 445 1,181 491 Utilities, fuels, and public services.... 2,489 2,487 1,632 2,113 2,400 2,766 3,522 2,494 Natural gas............................ 307 305 188 254 287 342 451 316 Electricity............................ 911 897 618 817 891 982 1,178 952 Fuel oil and other fuels............... 97 95 84 92 85 96 121 101 Telephone services..................... 877 890 575 705 860 1,004 1,305 838 Water and other public services........ 296 300 168 245 277 341 467 287 Household operations..................... 684 708 270 402 425 757 1,685 617 Personal services...................... 326 338 100 191 173 404 820 292 Other household expenses............... 358 370 171 211 252 352 865 325 Housekeeping supplies.................... 482 546 249 388 476 664 951 336 Laundry and cleaning supplies.......... 131 146 73 117 132 163 244 95 Other household products............... 226 258 102 179 230 332 445 153 Postage and stationery................. 126 142 74 92 113 169 261 88 Household furnishings and equipment...... 1,549 1,652 622 858 1,293 2,032 3,450 1,285 Household textiles..................... 106 115 43 66 113 120 233 88 Furniture.............................. 391 413 150 208 292 427 989 325 Floor coverings........................ 44 49 15 21 30 67 112 31 Major appliances....................... 189 195 117 116 158 220 365 173 Small appliances, miscellaneous housewares............................ 87 95 37 55 76 130 178 67 Miscellaneous household equipment...... 731 784 261 392 624 1,068 1,573 602 Apparel and services........................ 1,856 2,004 844 1,301 1,615 2,265 3,989 1,505 Men and boys............................. 440 483 171 332 363 525 1,021 342 Men, 16 and over....................... 344 382 134 253 283 417 825 256 Boys, 2 to 15.......................... 96 100 38 79 80 108 197 85 Women and girls.......................... 725 769 299 451 631 910 1,553 625 Women, 16 and over..................... 607 640 252 364 530 770 1,285 532 Girls, 2 to 15......................... 118 129 47 87 101 140 268 93 Children under 2......................... 82 93 50 68 79 117 149 56 Footwear................................. 343 374 198 289 343 433 605 273 Other apparel products and services...... 266 286 127 161 199 280 660 210 Transportation.............................. 7,417 7,568 3,212 5,043 7,028 9,223 13,315 6,985 Vehicle purchases (net outlay)........... 3,418 3,466 1,443 2,302 3,241 4,317 6,018 3,280 Cars and trucks, new................... 1,605 1,612 443 788 1,513 1,932 3,377 1,585 Cars and trucks, used.................. 1,770 1,804 996 1,493 1,724 2,284 2,521 1,670 Other vehicles......................... 43 50 c/ 4 c/ 21 c/ 3 101 119 c/ 25 Gasoline and motor oil................... 1,291 1,316 631 965 1,297 1,631 2,053 1,219 Other vehicle expenses................... 2,281 2,345 925 1,523 2,147 2,837 4,286 2,101 Vehicle finance charges................ 328 337 82 190 318 497 598 302 Maintenance and repairs................ 624 659 325 475 646 740 1,110 523 Vehicle insurance...................... 778 798 344 586 790 995 1,275 719 Vehicle rental, leases, licenses, other charges.............................. 551 550 175 272 393 606 1,302 556 Public transportation.................... 427 441 212 253 344 438 959 385 Health care................................. 2,066 2,120 1,470 1,988 1,964 2,312 2,864 1,919 Health insurance......................... 983 985 690 945 943 1,090 1,254 977 Medical services......................... 568 583 339 424 524 659 968 524 Drugs.................................... 416 447 381 534 412 438 470 339 Medical supplies......................... 99 105 60 85 85 125 172 80 Entertainment............................... 1,863 1,958 837 1,147 1,609 2,324 3,866 1,603 Fees and admissions...................... 515 535 198 250 331 547 1,349 455 Television, radios, sound equipment...... 622 654 363 465 590 782 1,071 529 Pets, toys, and playground equipment..... 334 355 122 239 337 422 656 277 Other entertainment supplies, equipment,and services.................. 393 412 154 192 351 573 790 342 Personal care products and services......... 564 595 318 442 534 699 983 491 Reading..................................... 146 156 73 105 136 175 291 118 Education................................... 632 636 430 290 393 600 1,462 626 Tobacco products and smoking supplies....... 319 333 257 317 366 390 336 276 Miscellaneous............................... 776 832 365 595 833 1,047 1,318 619 Cash contributions.......................... 1,192 1,344 332 1,163 953 1,217 3,050 750 Personal insurance and pensions............. 3,365 4,308 413 1,251 2,878 5,425 11,557 612 Life and other personal insurance........ 399 415 144 246 351 452 880 351 Pensions and Social Security............. 2,966 3,893 269 1,005 2,527 4,973 10,677 261 Sources of income and personal taxes: a/ Money income before taxes.................. 44,649 44,649 7,683 19,071 32,910 53,295 110,118 a/ Wages and salaries....................... 35,579 35,579 2,524 10,161 24,942 45,767 94,351 a/ Self-employment income................... 2,344 2,344 -67 471 1,121 1,804 8,375 a/ Social Security, private and government retirement................... 4,856 4,856 4,005 6,977 5,533 4,061 3,704 a/ Interest, dividends, rental income, other property income................... 927 927 96 325 572 880 2,758 a/ Unemployment and workers'' compensation, veterans'' benefits..................... 192 192 76 226 222 251 184 a/ Public assistance, supplemental security, income, food stamps..................... 310 310 710 468 181 99 92 a/ Regular contributions for support........ 309 309 184 310 258 321 470 a/ Other income............................. 133 133 155 133 80 112 185 a/ Personal taxes............................. 3,117 3,117 226 434 1,561 3,600 9,749 a/ Federal income taxes..................... 2,409 2,409 142 252 1,116 2,708 7,815 a/ State and local income taxes............. 562 562 41 95 313 711 1,646 a/ Other taxes.............................. 146 146 43 87 132 181 289 a/ Income after taxes......................... 41,532 41,532 7,457 18,637 31,349 49,695 100,369 a/ Net change in total assets and liabilities... 457 508 7,330 -2,636 -1,130 -2,384 1,365 307 Net change in total assets............... 6,016 6,568 7,629 631 4,189 4,028 16,345 4,407 Net change in total liabilities.......... 5,560 6,060 299 3,266 5,320 6,412 14,980 4,100 Other financial information: Other money receipts..................... 594 759 314 391 530 611 1,947 113 Mortgage principal paid on owned property................................ -1,172 -1,140 -253 -412 -792 -1,366 -2,873 -1,266 Estimated market value of owned home..... 92,665 88,989 43,225 59,296 66,851 93,498 181,842 103,393 Estimated monthly rental value of owned home.................................... 629 618 299 427 505 685 1,174 659 Gifts of goods and services................. 1,083 1,163 555 700 909 1,097 2,553 885 Food..................................... 70 66 19 26 33 66 188 83 Alcoholic beverages...................... 14 17 7 6 12 17 41 10 Housing.................................. 291 316 145 196 233 324 682 231 Housekeeping supplies.................. 39 44 16 32 34 57 80 28 Household textiles..................... 13 16 5 6 20 23 25 7 Appliances and miscellaneous housewares........................... 28 34 13 14 24 53 64 15 Major appliances..................... 8 10 7 4 6 14 17 3 Small appliances and miscellaneous housewares......................... 21 24 6 10 17 39 47 12 Miscellaneous household equipment...... 70 78 35 57 69 73 154 53 Other housing.......................... 140 145 77 87 86 118 359 128 Apparel and services..................... 244 276 134 205 229 285 527 168 Males, 2 and over...................... 68 75 27 71 51 68 157 52 Females, 2 and over.................... 85 97 42 63 85 95 201 57 Children under 2....................... 41 47 22 31 41 59 83 25 Other apparel products and services.... 51 57 44 41 52 63 86 34 Jewelry and watches.................. 20 24 16 17 14 30 42 11 All other apparel products and services............................ 30 34 28 24 38 33 45 23 Transportation........................... 70 72 36 22 57 40 205 65 Health care.............................. 38 43 48 44 44 24 53 25 Entertainment............................ 94 102 42 79 107 101 180 72 Toys, games, hobbies, and tricycles.... 30 32 13 29 32 36 48 24 Other entertainment.................... 64 70 28 49 75 65 132 48 Personal care products and services...... 19 23 11 17 21 28 36 11 Reading.................................. 2 2 1 2 2 3 3 1 Education................................ 151 149 48 33 63 119 480 158 All other gifts.......................... 89 98 65 69 108 90 157 63 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. n.a. Not applicable.