Table 7. Housing tenure, type of area, race of reference person, and Hispanic origin of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001 Housing tenure Type of area Race of reference Hispanic origin of All person reference person Item consumer units Homeowner Renter Urban Rural White and Black Hispanic Non- other Hispanic Number of consumer units (in thousands)...... 110,339 73,010 37,329 96,492 13,847 97,056 13,283 9,621 100,718 Income before taxes a/ ...................... $47,507 $56,709 $30,415 $48,856 $37,921 $49,334 $33,739 $35,886 $48,726 Income after taxes a/ ....................... 44,587 52,966 29,021 45,832 35,735 46,183 32,559 34,566 45,638 Age of the reference person.................. 48.1 52.1 40.3 47.6 51.7 48.5 45.1 42.4 48.7 Average number in consumer unit: Persons..................................... 2.5 2.6 2.2 2.5 2.5 2.5 2.7 3.4 2.4 Children under 18........................... .7 .7 .6 .7 .6 .6 .9 1.2 .6 Persons 65 and over......................... .3 .4 .2 .3 .4 .3 .2 .2 .3 Earners..................................... 1.4 1.4 1.2 1.4 1.4 1.4 1.3 1.6 1.3 Vehicles.................................... 1.9 2.3 1.2 1.9 2.5 2.0 1.3 1.6 2.0 Percent distribution: Male........................................ 51 54 47 51 53 53 38 52 51 Female...................................... 49 46 53 49 47 47 62 48 49 Homeowner................................... 66 100 n.a 64 82 69 49 47 68 With mortgage.............................. 40 61 n.a 40 38 41 32 31 41 Without mortgage........................... 26 39 n.a 24 43 27 17 16 27 Renter...................................... 34 n.a. 100 36 18 31 51 53 32 Black....................................... 12 9 18 13 5 n.a. 100 4 13 White and other............................. 88 91 82 87 95 100 n.a. 96 87 Elementary (1-8)............................ 6 5 7 5 8 6 7 21 4 High school (9-12).......................... 38 38 40 37 50 37 48 44 38 College..................................... 56 57 53 58 42 57 45 34 58 Never attended and other.................... b/ b/ b/ b/ b/ b/ b/ 2 b/ At least one vehicle owned or leased........ 88 95 75 87 93 90 74 82 88 Average annual expenditures.................. $39,518 $45,399 $28,016 $40,355 $33,681 $40,968 $28,903 $34,361 $40,009 Food........................................ 5,321 5,871 4,244 5,431 4,549 5,463 4,271 5,648 5,288 Food at home............................. 3,086 3,380 2,509 3,119 2,851 3,124 2,804 3,551 3,039 Cereals and bakery products............ 452 495 369 458 413 459 402 490 448 Cereals and cereal products.......... 156 165 139 159 139 156 160 188 153 Bakery products...................... 296 329 230 299 274 303 242 302 295 Meats, poultry, fish, and eggs......... 828 900 687 833 792 813 941 1,098 801 Beef................................. 248 274 198 249 239 248 245 331 240 Pork................................. 177 196 141 173 207 170 229 229 172 Other meats.......................... 102 112 83 102 101 103 95 111 101 Poultry.............................. 152 162 132 156 125 146 196 206 146 Fish and seafood..................... 114 120 101 118 85 111 132 164 109 Eggs................................. 35 37 32 35 35 34 43 55 33 Dairy products......................... 332 367 263 335 307 344 241 355 329 Fresh milk and cream................. 136 148 113 135 140 141 98 168 133 Other dairy products................. 196 219 150 200 167 203 143 186 197 Fruits and vegetables.................. 522 569 430 534 439 530 460 663 508 Fresh fruits......................... 160 177 128 165 127 165 124 218 155 Fresh vegetables..................... 162 175 136 166 131 166 131 231 155 Processed fruits..................... 116 126 97 118 101 115 125 132 114 Processed vegetables................. 84 92 68 84 80 84 80 82 84 Other food at home..................... 952 1,050 760 959 899 978 759 946 952 Sugar and other sweets............... 116 131 86 118 104 119 91 104 117 Fats and oils........................ 87 94 72 87 86 87 85 97 86 Miscellaneous foods.................. 455 500 366 460 417 468 353 425 458 Nonalcoholic beverages............... 256 279 212 256 257 262 216 290 253 Food prepared by consumer unit on out-of-town trips................... 38 46 24 39 35 42 14 30 39 Food away from home.................... 2,235 2,491 1,735 2,312 1,697 2,339 1,467 2,097 2,249 Alcoholic beverages......................... 349 361 325 369 206 375 156 308 353 Housing..................................... 13,011 14,713 9,683 13,563 9,167 13,353 10,510 11,747 13,132 Shelter.................................. 7,602 8,197 6,437 8,043 4,524 7,831 5,925 7,018 7,657 Owned dwellings........................ 4,979 7,490 67 5,216 3,320 5,252 2,981 3,349 5,134 Mortgage interest and charges........ 2,862 4,308 34 3,017 1,777 2,996 1,880 2,152 2,930 Property taxes....................... 1,233 1,855 17 1,300 770 1,306 703 670 1,287 Maintenance, repairs, insurance,other expenses............................ 884 1,327 16 899 773 950 398 527 918 Rented dwellings....................... 2,134 73 6,166 2,318 850 2,048 2,762 3,503 2,003 Other lodging.......................... 489 634 205 508 354 531 182 167 520 Utilities, fuels, and public services.... 2,767 3,242 1,836 2,781 2,667 2,741 2,955 2,429 2,799 Natural gas............................ 411 508 220 439 213 399 494 332 418 Electricity............................ 1,009 1,176 682 991 1,130 997 1,090 848 1,024 Fuel oil and other fuels............... 112 152 35 92 256 119 61 43 119 Telephone services..................... 914 985 777 927 825 899 1,024 917 914 Water and other public services........ 321 422 122 332 242 325 286 290 324 Household operations..................... 676 852 332 723 349 711 417 430 699 Personal services...................... 291 347 182 311 148 299 229 251 295 Other household expenses............... 385 505 150 411 201 412 189 179 405 Housekeeping supplies.................... 509 609 313 518 447 532 336 432 517 Laundry and cleaning supplies.......... 131 146 102 131 131 131 133 173 127 Other household products............... 255 315 139 260 225 271 138 188 262 Postage and stationery................. 122 148 72 127 91 130 65 71 128 Household furnishings and equipment...... 1,458 1,813 764 1,498 1,180 1,537 877 1,437 1,460 Household textiles..................... 114 141 60 116 101 120 67 97 116 Furniture.............................. 372 452 217 383 294 381 309 383 371 Floor coverings........................ 40 57 8 45 10 42 30 36 41 Major appliances....................... 178 225 86 180 161 186 118 162 179 Small appliances, miscellaneous housewares............................ 87 104 53 90 62 93 37 103 85 Miscellaneous household equipment...... 667 834 340 684 551 715 315 656 668 Apparel and services........................ 1,743 1,930 1,377 1,814 1,243 1,745 1,729 1,857 1,732 Men and boys............................. 423 474 323 436 336 429 376 416 424 Men, 16 and over....................... 335 372 263 345 265 345 261 312 337 Boys, 2 to 15.......................... 88 103 59 90 71 84 114 104 86 Women and girls.......................... 677 779 477 708 462 685 618 654 679 Women, 16 and over..................... 562 643 404 590 366 574 473 481 570 Girls, 2 to 15......................... 115 136 73 117 97 110 146 172 109 Children under 2......................... 81 87 70 84 62 81 82 141 76 Footwear................................. 302 312 283 311 243 284 434 406 292 Other apparel products and services...... 259 277 225 276 140 265 218 241 261 Transportation.............................. 7,633 8,861 5,232 7,514 8,468 7,969 5,184 7,083 7,686 Vehicle purchases (net outlay)........... 3,579 4,174 2,414 3,426 4,644 3,769 2,193 3,360 3,600 Cars and trucks, new................... 1,685 2,150 777 1,640 2,001 1,803 821 1,455 1,707 Cars and trucks, used.................. 1,848 1,975 1,600 1,742 2,591 1,915 1,359 1,880 1,845 Other vehicles......................... 46 50 37 45 c/ 52 50 c/ 12 c/ 26 48 Gasoline and motor oil................... 1,279 1,466 915 1,247 1,506 1,322 968 1,265 1,281 Other vehicle expenses................... 2,375 2,762 1,618 2,412 2,120 2,459 1,766 2,134 2,398 Vehicle finance charges................ 359 418 246 346 451 367 302 335 362 Maintenance and repairs................ 662 741 509 668 620 692 443 695 659 Vehicle insurance...................... 819 958 548 824 787 843 643 726 828 Vehicle rental, leases, licenses, other charges.............................. 534 646 316 573 262 556 377 377 549 Public transportation.................... 400 459 285 429 198 419 257 323 407 Health care................................. 2,182 2,697 1,174 2,139 2,478 2,307 1,264 1,343 2,262 Health insurance......................... 1,061 1,317 560 1,027 1,295 1,115 663 652 1,100 Medical services......................... 573 718 288 578 535 622 214 354 594 Drugs.................................... 449 542 266 434 549 466 319 265 466 Medical supplies......................... 100 120 60 100 99 104 67 73 102 Entertainment............................... 1,953 2,330 1,216 1,970 1,837 2,085 988 1,246 2,021 Fees and admissions...................... 526 648 288 561 286 573 188 277 550 Television, radios, sound equipment...... 660 725 531 679 526 671 575 593 666 Pets, toys, and playground equipment..... 337 407 201 333 368 363 150 223 348 Other entertainment supplies, equipment,and services.................. 430 550 196 397 658 478 75 153 457 Personal care products and services......... 485 538 380 499 386 487 468 467 486 Reading..................................... 141 169 86 147 102 152 62 59 149 Education................................... 648 665 614 700 285 688 352 428 669 Tobacco products and smoking supplies....... 308 298 329 299 373 323 203 177 321 Miscellaneous............................... 750 879 498 782 527 773 585 457 778 Cash contributions.......................... 1,258 1,558 672 1,284 1,078 1,324 776 727 1,309 Personal insurance and pensions............. 3,737 4,530 2,186 3,845 2,983 3,926 2,356 2,814 3,825 Life and other personal insurance........ 410 541 156 401 473 424 310 209 430 Pensions and Social Security............. 3,326 3,989 2,030 3,444 2,510 3,501 2,046 2,605 3,395 Sources of income and personal taxes: a/ Money income before taxes.................. 47,507 56,709 30,415 48,856 37,921 49,334 33,739 35,886 48,726 Wages and salaries....................... 38,334 45,245 25,498 39,777 28,077 39,666 28,296 31,057 39,097 Self-employment income................... 2,231 2,926 940 2,146 2,835 2,421 798 1,285 2,330 Social Security, private and government retirement................... 4,963 6,456 2,188 4,859 5,704 5,189 3,258 2,223 5,250 Interest, dividends, rental income, other property income................... 951 1,316 272 1,009 539 1,058 143 139 1,036 Unemployment and workers'' compensation, veterans'' benefits..................... 171 191 135 168 198 173 162 141 175 Public assistance, supplemental security, income, food stamps..................... 384 238 654 395 305 342 701 677 353 Regular contributions for support........ 315 254 428 330 206 323 254 255 321 Other income............................. 158 81 300 172 56 162 127 109 163 Personal taxes............................. 2,920 3,742 1,393 3,024 2,186 3,151 1,181 1,320 3,088 Federal income taxes..................... 2,237 2,856 1,087 2,341 1,497 2,422 842 1,034 2,363 State and local income taxes............. 555 696 291 557 539 589 297 249 587 Other taxes.............................. 129 191 15 126 150 141 42 37 139 Income after taxes......................... 44,587 52,966 29,021 45,832 35,735 46,183 32,559 34,566 45,638 Net change in total assets and liabilities... -2,059 -2,547 -1,106 -2,370 104 -2,256 -625 -2,969 -1,972 Net change in total assets............... 5,678 8,737 -305 6,104 2,713 6,192 1,921 5,040 5,739 Net change in total liabilities.......... 7,737 11,284 801 8,473 2,609 8,448 2,546 8,010 7,711 Other financial information: Other money receipts..................... 372 485 151 398 191 414 64 77 400 Mortgage principal paid on owned property................................ -1,397 -2,091 -40 -1,454 -999 -1,481 -786 -692 -1,464 Estimated market value of owned home..... 103,975 156,567 1,114 107,017 82,779 111,395 49,757 56,293 108,530 Estimated monthly rental value of owned home.................................... 690 1,042 c/ 1 716 508 726 427 432 714 Gifts of goods and services................. 1,012 1,228 589 1,042 802 1,069 595 643 1,047 Food..................................... 69 90 27 74 32 74 30 62 70 Alcoholic beverages...................... 14 15 12 15 5 15 5 19 13 Housing.................................. 258 316 146 258 260 275 134 138 270 Housekeeping supplies.................. 41 49 26 42 34 44 18 12 44 Household textiles..................... 14 17 7 14 18 15 c/ 3 6 15 Appliances and miscellaneous housewares........................... 25 32 12 27 15 28 7 35 24 Major appliances..................... 6 8 3 7 5 7 c/ 5 12 6 Small appliances and miscellaneous housewares......................... 19 24 10 20 10 21 c/ 2 24 18 Miscellaneous household equipment...... 59 75 27 61 46 65 18 34 62 Other housing.......................... 119 142 73 115 147 123 87 51 125 Apparel and services..................... 237 271 169 243 194 242 194 222 238 Males, 2 and over...................... 61 70 44 64 42 63 47 50 62 Females, 2 and over.................... 89 108 52 91 75 93 58 84 90 Children under 2....................... 42 48 29 42 36 42 42 53 41 Other apparel products and services.... 45 46 44 46 40 45 47 36 46 Jewelry and watches.................. 17 18 14 18 11 18 9 8 18 All other apparel products and services............................ 28 27 30 28 29 27 37 28 28 Transportation........................... 70 78 54 67 93 70 69 28 74 Health care.............................. 35 41 23 38 12 39 8 32 35 Entertainment............................ 74 87 48 75 67 78 44 41 77 Toys, games, hobbies, and tricycles.... 30 36 18 30 29 32 16 21 31 Other entertainment.................... 44 52 30 45 38 46 29 20 46 Personal care products and services...... 21 23 16 21 17 21 14 19 21 Reading.................................. 1 2 1 1 1 1 b/ b/ 1 Education................................ 160 218 46 172 76 174 58 33 172 All other gifts.......................... 73 87 46 77 45 78 38 48 76 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.