Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 Complete reporting of income a/ 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)...... 97,391 4,398 7,155 8,145 7,402 13,182 10,759 8,891 13,890 23,567 Income before taxes b/ ...................... $51,128 $1,200 $7,799 $12,455 $17,410 $24,655 $34,485 $44,294 $58,900 $117,960 Income after taxes b/ ....................... 48,596 1,218 7,866 12,549 17,456 23,197 33,370 42,842 56,428 110,756 Age of the reference person.................. 48.4 41.2 52.6 55.9 52.9 50.1 47.4 46.7 45.6 46.1 Average number in consumer unit: Persons..................................... 2.5 1.7 1.6 1.9 2.1 2.3 2.5 2.6 2.8 3.0 Children under 18........................... .6 .4 .4 .4 .5 .6 .6 .7 .8 .8 Persons 65 and over......................... .3 .2 .4 .5 .5 .4 .3 .2 .2 .1 Earners..................................... 1.3 .8 .5 .6 .8 1.1 1.3 1.5 1.7 2.0 Vehicles.................................... 2.0 .9 .8 1.1 1.4 1.6 2.0 2.2 2.5 2.8 Percent distribution: Male........................................ 51 42 35 36 44 47 51 56 57 60 Female...................................... 49 58 65 64 56 53 49 44 43 40 Homeowner................................... 66 32 38 48 54 57 63 71 78 89 With mortgage.............................. 41 13 9 11 18 26 36 47 58 71 Without mortgage........................... 25 19 29 37 35 31 27 23 20 18 Renter...................................... 34 68 62 52 46 43 37 29 22 11 Black or African American................... 12 18 22 16 13 14 11 10 9 6 White, Asian, and All Other Races........... 88 82 78 84 87 86 89 90 91 94 Elementary (1-8)............................ 6 9 16 13 13 9 5 3 2 1 High school (9-12).......................... 36 35 44 52 48 47 42 39 32 18 College..................................... 57 55 40 34 39 44 53 57 66 81 Never attended and other.................... c/ 1 1 1 c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 88 58 58 73 86 88 95 96 98 97 Average annual expenditures.................. $42,742 $19,272 $16,013 $20,061 $23,715 $29,034 $34,931 $39,757 $49,789 $77,521 Food........................................ 5,593 3,433 2,760 3,422 3,721 4,338 4,993 5,486 6,511 8,794 Food at home............................. 3,236 2,081 1,825 2,425 2,479 2,856 3,048 3,234 3,700 4,472 Cereals and bakery products............ 456 314 272 365 364 403 415 468 511 617 Cereals and cereal products.......... 155 119 108 122 121 141 149 155 168 201 Bakery products...................... 301 196 163 243 243 262 266 313 343 416 Meats, poultry, fish, and eggs......... 837 496 481 633 632 800 784 821 1,011 1,100 Beef................................. 252 139 121 169 175 239 216 255 355 333 Pork................................. 171 116 99 157 143 187 169 166 187 204 Other meats.......................... 104 52 67 88 79 95 96 103 129 132 Poultry.............................. 145 87 95 107 115 138 132 143 164 197 Fish and seafood..................... 125 75 69 79 82 101 131 115 141 190 Eggs................................. 38 27 30 33 38 41 40 40 36 44 Dairy products......................... 343 218 181 252 272 302 321 367 384 475 Fresh milk and cream................. 132 84 84 105 116 124 126 142 140 168 Other dairy products................. 212 135 96 147 155 178 195 225 244 307 Fruits and vegetables.................. 556 353 323 428 448 498 550 524 585 783 Fresh fruits......................... 177 100 100 121 141 156 175 162 181 266 Fresh vegetables..................... 179 115 102 137 136 165 187 159 179 259 Processed fruits..................... 112 81 65 95 93 103 102 109 122 151 Processed vegetables................. 87 58 56 75 78 75 85 93 102 107 Other food at home..................... 1,044 699 567 746 762 852 978 1,053 1,209 1,497 Sugar and other sweets............... 123 74 69 91 100 110 111 126 136 174 Fats and oils........................ 87 50 58 71 74 80 85 90 93 113 Miscellaneous foods.................. 513 343 266 367 376 395 483 524 591 755 Nonalcoholic beverages............... 281 216 161 203 199 248 269 285 344 374 Food prepared by consumer unit on out-of-town trips................... 38 16 13 14 13 20 30 28 45 80 Food away from home.................... 2,358 1,352 936 997 1,242 1,483 1,945 2,252 2,811 4,323 Alcoholic beverages......................... 442 263 153 200 210 247 309 407 556 858 Housing..................................... 13,653 6,929 6,145 7,457 8,571 9,828 11,259 12,728 15,106 23,693 Shelter.................................. 7,921 4,317 3,690 4,268 4,955 5,635 6,510 7,269 8,679 13,795 Owned dwellings........................ 5,247 1,761 1,244 1,553 2,170 2,702 3,511 4,578 6,253 11,230 Mortgage interest and charges........ 2,947 881 386 427 756 1,286 1,875 2,635 3,821 6,689 Property taxes....................... 1,310 506 541 637 746 742 924 1,056 1,409 2,636 Maintenance, repairs, insurance,other expenses............................ 989 374 317 490 668 673 712 887 1,024 1,904 Rented dwellings....................... 2,220 2,350 2,327 2,591 2,642 2,780 2,794 2,389 1,986 1,400 Other lodging.......................... 455 206 119 123 143 154 204 303 439 1,165 Utilities, fuels, and public services.... 2,820 1,499 1,605 1,945 2,191 2,394 2,666 2,906 3,217 3,976 Natural gas............................ 387 189 207 295 320 325 350 382 423 564 Electricity............................ 1,021 557 655 749 833 901 1,001 1,068 1,153 1,354 Fuel oil and other fuels............... 112 48 59 85 90 91 108 106 119 167 Telephone services..................... 970 544 533 608 703 812 900 1,002 1,146 1,394 Water and other public services........ 330 161 151 208 245 265 307 349 376 497 Household operations..................... 730 211 162 337 397 414 449 560 749 1,597 Personal services...................... 303 56 48 144 213 151 161 229 316 681 Other household expenses............... 427 155 114 194 184 264 288 331 433 916 Housekeeping supplies.................... 582 260 257 348 410 426 494 542 628 1,010 Laundry and cleaning supplies.......... 145 76 84 103 150 122 145 125 159 206 Other household products............... 287 140 104 158 164 192 226 288 283 549 Postage and stationery................. 149 43 68 88 95 113 122 129 186 255 Household furnishings and equipment...... 1,600 643 432 558 618 958 1,142 1,450 1,834 3,315 Household textiles..................... 126 28 54 44 69 88 84 140 138 244 Furniture.............................. 419 103 133 126 119 229 271 334 493 922 Floor coverings........................ 54 29 6 37 8 17 28 32 41 143 Major appliances....................... 205 60 65 101 78 183 175 220 221 360 Small appliances, miscellaneous housewares............................ 95 63 25 47 58 68 79 68 107 178 Miscellaneous household equipment...... 701 361 148 202 287 372 503 656 832 1,468 Apparel and services........................ 1,744 1,056 769 912 1,069 1,112 1,503 1,515 1,967 3,139 Men and boys............................. 385 270 162 137 201 204 363 342 455 720 Men, 16 and over....................... 294 220 122 79 146 145 274 264 349 566 Boys, 2 to 15.......................... 91 50 39 58 54 59 90 78 106 154 Women and girls.......................... 699 347 294 410 416 445 598 602 771 1,285 Women, 16 and over..................... 588 290 267 360 348 366 515 506 651 1,071 Girls, 2 to 15......................... 110 57 27 50 68 79 83 96 120 214 Children under 2......................... 86 38 33 46 68 66 85 85 84 144 Footwear................................. 311 297 184 216 264 245 268 263 396 434 Other apparel products and services...... 263 103 96 102 121 152 188 223 260 556 Transportation.............................. 8,041 3,041 2,329 3,130 4,033 5,615 6,973 7,949 10,656 14,006 Vehicle purchases (net outlay)........... 3,871 1,284 946 1,397 1,589 2,607 3,264 3,686 5,407 6,964 Cars and trucks, new................... 2,154 d/ 510 d/ 288 750 518 1,236 1,470 1,425 2,654 4,832 Cars and trucks, used.................. 1,649 713 658 639 1,071 1,372 1,755 2,179 2,608 1,999 Other vehicles......................... 68 d/ 61 c/ d/ 7 e/ e/ d/ 38 d/ 82 145 133 Gasoline and motor oil................... 1,353 648 532 652 906 1,053 1,309 1,494 1,712 2,041 Other vehicle expenses................... 2,416 921 699 952 1,349 1,686 2,145 2,486 3,104 4,161 Vehicle finance charges................ 383 140 73 94 129 230 360 406 560 685 Maintenance and repairs................ 657 268 224 294 452 479 577 685 800 1,093 Vehicle insurance...................... 929 311 284 444 592 729 901 983 1,158 1,484 Vehicle rental, leases, licenses, other charges.............................. 447 202 118 120 176 247 306 412 585 899 Public transportation.................... 400 187 152 129 190 269 256 284 433 839 Health care................................. 2,495 1,010 1,249 1,834 2,015 2,286 2,460 2,629 2,811 3,429 Health insurance......................... 1,267 495 644 975 1,046 1,190 1,270 1,355 1,461 1,666 Medical services......................... 612 232 187 340 345 451 591 660 717 1,008 Drugs.................................... 501 236 365 456 543 535 490 516 508 574 Medical supplies......................... 115 48 53 64 81 111 110 99 125 182 Entertainment............................... 2,155 787 616 716 946 1,517 1,742 1,925 2,363 4,270 Fees and admissions...................... 511 188 115 105 138 228 292 383 553 1,231 Television, radios, sound equipment...... 745 371 336 397 468 575 645 780 864 1,205 Pets, toys, and playground equipment..... 411 118 115 156 216 441 299 438 469 693 Other entertainment supplies, equipment,and services.................. 488 110 49 58 124 273 506 324 477 1,141 Personal care products and services......... 559 270 256 335 362 384 452 533 637 966 Reading..................................... 133 54 47 72 77 95 105 129 144 243 Education................................... 792 1,023 540 361 332 251 320 400 600 1,902 Tobacco products and smoking supplies....... 307 179 238 257 305 324 323 415 345 290 Miscellaneous............................... 658 336 267 292 418 510 545 693 919 1,008 Cash contributions.......................... 1,458 548 305 519 602 904 1,138 1,070 1,383 3,217 Personal insurance and pensions............. 4,710 345 337 554 1,054 1,622 2,810 3,878 5,792 11,705 Life and other personal insurance........ 414 110 112 142 255 217 281 347 429 894 Pensions and Social Security............. 4,296 235 225 412 799 1,405 2,529 3,532 5,363 10,811 Sources of income and personal taxes: b/ Money income before taxes.................. 51,128 1,200 7,799 12,455 17,410 24,655 34,485 44,294 58,900 117,960 Wages and salaries....................... 41,200 1,468 2,306 4,365 8,660 15,574 26,150 35,187 49,936 101,698 Self-employment income................... 2,138 -1,833 26 190 290 508 555 1,316 1,750 6,949 Social Security, private and government retirement................... 5,601 762 3,698 6,154 6,874 6,907 6,181 6,072 5,337 5,472 Interest, dividends, rental income, other property income................... 1,097 54 89 111 290 505 731 715 863 2,974 Unemployment and workers'' compensation, veterans'' benefits..................... 269 41 121 241 211 275 288 382 332 293 Public assistance, supplemental security, income, food stamps..................... 314 307 984 890 559 352 210 147 111 46 Regular contributions for support........ 343 226 300 313 352 382 273 362 421 342 Other income............................. 165 174 276 193 175 151 98 113 150 185 Personal taxes............................. 2,532 -18 -67 -94 -46 1,458 1,115 1,452 2,472 7,204 Federal income taxes..................... 1,843 -54 -100 -170 -161 1,219 658 933 1,670 5,448 State and local income taxes............. 502 -16 4 2 40 132 280 367 578 1,380 Other taxes.............................. 187 51 29 74 75 107 177 152 224 376 Income after taxes......................... 48,596 1,218 7,866 12,549 17,456 23,197 33,370 42,842 56,428 110,756 Net change in total assets and liabilities... -15,289 2,324 -1,731 -1,022 -2,925 -6,526 -8,223 -13,636 -17,700 -38,837 Net change in total assets............... 6,605 6,231 -150 887 427 2,016 5,393 4,434 6,537 16,620 Net change in total liabilities.......... 21,894 3,907 1,581 1,909 3,352 8,542 13,617 18,069 24,237 55,457 Other financial information: Other money receipts..................... 615 260 162 898 239 318 941 331 601 974 Mortgage principal paid on owned property................................ -1,562 -494 -252 -237 -352 -694 -787 -1,293 -1,818 -3,785 Estimated market value of owned home..... 119,104 48,311 41,065 57,145 60,141 73,531 86,337 99,120 129,895 237,571 Estimated monthly rental value of owned home.................................... 737 314 279 382 406 489 569 666 830 1,368 Gifts of goods and services................. 1,055 365 221 516 470 578 784 799 1,142 2,260 Food..................................... 84 29 13 32 37 46 64 27 94 198 Alcoholic beverages...................... 19 d/ 8 6 8 25 6 12 13 24 38 Housing.................................. 238 75 58 118 108 154 212 220 227 485 Housekeeping supplies.................. 48 21 14 27 25 29 32 39 67 88 Household textiles..................... 14 d/ 3 d/ 1 d/ 7 8 9 11 12 8 35 Appliances and miscellaneous housewares........................... 28 d/ 4 d/ 2 11 9 12 32 27 28 59 Major appliances..................... 7 d/ 2 c/ d/ 3 d/ 3 d/ 1 d/ 5 16 4 13 Small appliances and miscellaneous housewares......................... 21 d/ 2 d/ 2 d/ 8 d/ 6 11 27 11 23 45 Miscellaneous household equipment...... 62 12 9 30 35 41 52 53 76 121 Other housing.......................... 87 35 32 44 31 63 85 89 48 182 Apparel and services..................... 232 112 74 142 140 153 224 208 300 385 Males, 2 and over...................... 55 51 32 26 41 26 54 44 62 98 Females, 2 and over.................... 89 27 19 68 45 51 79 69 124 158 Children under 2....................... 41 7 10 19 42 32 38 46 43 66 Other apparel products and services.... 47 26 13 30 12 44 53 49 71 64 Jewelry and watches.................. 23 d/ 5 13 6 6 28 22 17 43 31 All other apparel products and services............................ 24 d/ 22 c/ d/ 24 d/ 6 16 30 33 29 33 Transportation........................... 56 d/ 6 9 46 11 35 21 54 89 106 Health care.............................. 52 d/ 48 d/ 11 d/ 86 55 19 69 28 45 76 Entertainment............................ 74 28 18 23 31 70 56 58 84 143 Toys, games, hobbies, and tricycles.... 26 7 9 11 14 22 25 26 32 44 Other entertainment.................... 48 22 9 12 17 47 31 33 52 99 Personal care products and services...... 19 18 4 14 10 9 10 35 25 27 Reading.................................. 1 d/ 1 c/ 1 1 1 1 3 2 2 Education................................ 201 d/ 15 d/ 4 11 15 30 68 84 151 651 All other gifts.......................... 78 26 23 36 36 55 48 68 101 149 a See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. b Components of income and taxes are derived from "complete income reporters" only; see glossary. c Value less than 0.5. d Data are likely to have large sampling errors. e No data reported.