Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003 Complete reporting of income Incomplete All reporting Item consumer of units Total Lowest Second Third Fourth Highest income complete 20 20 20 20 20 reporting percent percent percent percent percent Number of consumer units (in thousands)...... 115,356 97,391 19,455 19,482 19,472 19,481 19,501 17,965 Lower limit.................................. n.a. n.a. n.a. $14,762 $28,595 $47,802 $77,671 n.a. Income before taxes a/ ...................... $51,128 $51,128 $8,201 $21,478 $37,542 $61,132 $127,146 a/ Income after taxes a/ ....................... 48,596 48,596 8,260 20,543 36,363 58,593 119,091 a/ Age of the reference person.................. 48.4 48.4 51.2 51.4 47.2 45.7 46.3 48.5 Average number in consumer unit: Persons..................................... 2.5 2.5 1.8 2.3 2.5 2.8 3.1 2.5 Children under 18........................... .6 .6 .4 .6 .7 .7 .8 .6 Persons 65 and over......................... .3 .3 .4 .5 .3 .2 .1 .3 Earners..................................... 1.3 1.3 .6 1.0 1.4 1.7 2.0 1.3 Vehicles.................................... 1.9 2.0 .9 1.5 2.0 2.5 2.9 1.8 Percent distribution: Male........................................ 50 51 37 45 53 58 59 49 Female...................................... 50 49 63 55 47 42 41 51 Homeowner................................... 67 66 41 55 65 79 90 71 With mortgage.............................. 41 41 11 22 40 59 72 41 Without mortgage........................... 26 25 30 33 25 20 18 31 Renter...................................... 33 34 59 45 35 21 10 29 Black or African American................... 12 12 18 14 11 8 6 14 White, Asian, and All Other Races........... 88 88 82 86 89 92 94 86 Elementary (1-8)............................ 6 6 13 11 5 2 1 5 High school (9-12).......................... 36 36 45 48 40 31 17 37 College..................................... 57 57 41 41 55 67 82 58 Never attended and other.................... b/ b/ 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 88 88 64 87 95 97 98 85 Average annual expenditures.................. $40,817 $42,742 $18,492 $26,729 $36,213 $50,468 $81,731 $32,054 Food........................................ 5,340 5,593 3,178 4,102 5,098 6,544 9,039 4,593 Food at home............................. 3,129 3,236 2,119 2,713 3,114 3,726 4,503 2,837 Cereals and bakery products............ 442 456 318 390 429 528 616 403 Cereals and cereal products.......... 150 155 115 135 150 174 199 138 Bakery products...................... 292 301 202 255 278 354 417 265 Meats, poultry, fish, and eggs......... 825 837 550 727 814 982 1,111 792 Beef................................. 246 252 143 211 237 335 336 227 Pork................................. 171 171 127 170 172 180 207 168 Other meats.......................... 102 104 71 90 99 126 133 97 Poultry.............................. 145 145 100 125 140 165 197 142 Fish and seafood..................... 124 125 77 91 126 138 194 122 Eggs................................. 37 38 31 39 40 37 44 35 Dairy products......................... 328 343 219 289 337 392 480 287 Fresh milk and cream................. 127 132 93 121 132 146 167 113 Other dairy products................. 201 212 126 168 205 246 313 174 Fruits and vegetables.................. 535 556 369 484 538 601 788 480 Fresh fruits......................... 171 177 108 152 171 190 266 154 Fresh vegetables..................... 172 179 116 157 176 186 261 152 Processed fruits..................... 108 112 80 99 105 125 152 99 Processed vegetables................. 84 87 65 76 87 100 108 76 Other food at home..................... 999 1,044 664 823 996 1,224 1,509 875 Sugar and other sweets............... 119 123 81 105 115 141 176 107 Fats and oils........................ 86 87 61 79 87 95 113 82 Miscellaneous foods.................. 490 513 319 396 489 608 756 426 Nonalcoholic beverages............... 268 281 189 227 278 333 380 233 Food prepared by consumer unit on out-of-town trips................... 36 38 14 17 28 47 84 26 Food away from home.................... 2,211 2,358 1,059 1,389 1,983 2,818 4,535 1,756 Alcoholic beverages......................... 391 442 198 230 329 552 902 248 Housing..................................... 13,432 13,653 6,858 9,285 11,709 15,357 25,033 12,550 Shelter.................................. 7,887 7,921 4,071 5,329 6,770 8,838 14,585 7,704 Owned dwellings........................ 5,263 5,247 1,488 2,466 3,841 6,460 11,964 5,352 Mortgage interest and charges........ 2,954 2,947 518 1,060 2,113 3,936 7,098 2,994 Property taxes....................... 1,344 1,310 568 742 965 1,443 2,832 1,525 Maintenance, repairs, insurance,other expenses............................ 965 989 402 664 763 1,081 2,034 833 Rented dwellings....................... 2,179 2,220 2,442 2,714 2,689 1,924 1,332 1,961 Other lodging.......................... 445 455 140 149 240 454 1,290 391 Utilities, fuels, and public services.... 2,811 2,820 1,719 2,309 2,731 3,238 4,098 2,767 Natural gas............................ 392 387 241 324 359 428 583 419 Electricity............................ 1,028 1,021 669 872 1,018 1,153 1,393 1,064 Fuel oil and other fuels............... 110 112 67 92 102 125 173 97 Telephone services..................... 956 970 564 768 932 1,142 1,441 880 Water and other public services........ 326 330 177 254 321 389 509 307 Household operations..................... 707 730 241 406 500 762 1,739 583 Personal services...................... 294 303 89 171 195 323 737 242 Other household expenses............... 414 427 152 235 305 439 1,001 341 Housekeeping supplies.................... 529 582 299 417 481 660 1,051 387 Laundry and cleaning supplies.......... 132 145 91 132 137 165 202 97 Other household products............... 263 287 134 180 227 313 582 199 Postage and stationery................. 133 149 75 105 116 181 268 90 Household furnishings and equipment...... 1,497 1,600 528 824 1,226 1,859 3,559 1,110 Household textiles..................... 113 126 44 83 107 142 256 75 Furniture.............................. 401 419 129 175 300 497 992 303 Floor coverings........................ 52 54 24 15 28 45 160 38 Major appliances....................... 196 205 75 151 187 228 384 151 Small appliances, miscellaneous housewares............................ 88 95 41 64 73 105 190 66 Miscellaneous household equipment...... 648 701 215 336 531 842 1,578 477 Apparel and services........................ 1,640 1,744 913 1,073 1,458 2,018 3,255 1,330 Men and boys............................. 372 385 179 196 346 472 734 329 Men, 16 and over....................... 282 294 127 146 258 366 575 245 Boys, 2 to 15.......................... 89 91 52 50 88 106 160 84 Women and girls.......................... 634 699 362 435 569 800 1,327 448 Women, 16 and over..................... 529 588 320 363 480 668 1,112 361 Girls, 2 to 15......................... 106 110 42 73 89 133 215 87 Children under 2......................... 81 86 41 62 88 95 143 67 Footwear................................. 294 311 231 236 260 393 435 248 Other apparel products and services...... 258 263 101 143 196 257 616 239 Transportation.............................. 7,781 8,041 2,859 4,920 7,210 10,677 14,525 6,404 Vehicle purchases (net outlay)........... 3,732 3,871 1,240 2,164 3,367 5,351 7,229 2,975 Cars and trucks, new................... 2,052 2,154 527 1,010 1,398 2,711 5,118 1,502 Cars and trucks, used.................. 1,611 1,649 696 1,154 1,913 2,527 1,956 1,405 Other vehicles......................... 68 68 c/ 17 d/ 55 113 154 67 Gasoline and motor oil................... 1,333 1,353 614 981 1,352 1,736 2,083 1,221 Other vehicle expenses................... 2,331 2,416 852 1,539 2,233 3,159 4,292 1,897 Vehicle finance charges................ 371 383 97 188 367 561 700 304 Maintenance and repairs................ 619 657 257 475 598 826 1,127 434 Vehicle insurance...................... 905 929 358 661 918 1,181 1,528 774 Vehicle rental, leases, licenses, other charges.............................. 436 447 139 215 349 592 937 386 Public transportation.................... 385 400 154 235 258 432 922 311 Health care................................. 2,416 2,495 1,439 2,132 2,553 2,745 3,606 2,055 Health insurance......................... 1,252 1,267 742 1,124 1,306 1,440 1,723 1,167 Medical services......................... 591 612 262 378 636 695 1,087 480 Drugs.................................... 467 501 378 531 504 486 607 332 Medical supplies......................... 107 115 57 100 107 124 189 77 Entertainment............................... 2,060 2,155 703 1,307 1,776 2,471 4,516 1,634 Fees and admissions...................... 494 511 131 187 323 573 1,340 404 Television, radios, sound equipment...... 730 745 370 530 690 874 1,260 647 Pets, toys, and playground equipment..... 378 411 134 369 354 464 733 270 Other entertainment supplies, equipment,and services.................. 457 488 68 220 408 560 1,182 312 Personal care products and services......... 527 559 295 368 484 638 1,011 436 Reading..................................... 127 133 58 88 114 151 254 95 Education................................... 783 792 576 287 351 623 2,121 752 Tobacco products and smoking supplies....... 290 307 237 315 347 356 281 195 Miscellaneous............................... 606 658 298 461 591 888 1,054 359 Cash contributions.......................... 1,370 1,458 449 789 1,071 1,458 3,517 894 Personal insurance and pensions............. 4,055 4,710 433 1,373 3,123 5,990 12,615 508 Life and other personal insurance........ 397 414 125 226 305 435 979 306 Pensions and Social Security............. 3,658 4,296 308 1,147 2,818 5,555 11,637 201 Sources of income and personal taxes: a/ Money income before taxes.................. 51,128 51,128 8,201 21,478 37,542 61,132 127,146 a/ Wages and salaries....................... 41,200 41,200 2,997 12,620 28,886 52,022 109,349 a/ Self-employment income................... 2,138 2,138 -320 417 843 1,873 7,869 a/ Social Security, private and government retirement................... 5,601 5,601 3,989 6,829 6,173 5,312 5,698 a/ Interest, dividends, rental income, other property income................... 1,097 1,097 88 415 697 937 3,345 a/ Unemployment and workers'' compensation, veterans'' benefits..................... 269 269 152 257 298 341 299 a/ Public assistance, supplemental security, income, food stamps..................... 314 314 787 415 225 99 47 a/ Regular contributions for support........ 343 343 290 360 312 400 353 a/ Other income............................. 165 165 217 165 109 149 186 a/ Personal taxes............................. 2,532 2,532 -60 935 1,179 2,540 8,055 a/ Federal income taxes..................... 1,843 1,843 -109 753 706 1,758 6,101 a/ State and local income taxes............. 502 502 1 89 304 575 1,538 a/ Other taxes.............................. 187 187 49 94 169 207 417 a/ Income after taxes......................... 48,596 48,596 8,260 20,543 36,363 58,593 119,091 a/ Net change in total assets and liabilities... -14,376 -15,289 -1,158 -4,527 -9,966 -18,946 -41,800 -9,425 Net change in total assets............... 6,451 6,605 1,585 1,618 5,247 8,148 16,407 5,619 Net change in total liabilities.......... 20,827 21,894 2,744 6,145 15,214 27,094 58,207 15,044 Other financial information: Other money receipts..................... 530 615 495 288 656 504 1,133 69 Mortgage principal paid on owned property................................ -1,565 -1,562 -297 -565 -982 -1,961 -3,999 -1,582 Estimated market value of owned home..... 122,059 119,104 48,912 68,847 89,389 133,105 255,023 138,080 Estimated monthly rental value of owned home.................................... 750 737 325 459 599 857 1,443 820 Gifts of goods and services................. 1,007 1,055 369 538 799 1,104 2,463 847 Food..................................... 78 84 23 45 46 86 221 45 Alcoholic beverages...................... 16 19 7 13 13 21 40 8 Housing.................................. 220 238 85 133 216 230 528 159 Housekeeping supplies.................. 42 48 20 28 33 64 93 25 Household textiles..................... 13 14 4 8 12 9 39 8 Appliances and miscellaneous housewares........................... 25 28 6 10 29 30 63 16 Major appliances..................... 7 7 c/ 1 2 8 7 15 7 Small appliances and miscellaneous housewares......................... 18 21 5 8 21 23 48 9 Miscellaneous household equipment...... 57 62 18 39 49 75 130 37 Other housing.......................... 85 87 37 48 92 53 204 73 Apparel and services..................... 225 232 111 152 210 281 406 213 Males, 2 and over...................... 56 55 33 34 48 63 99 57 Females, 2 and over.................... 80 89 41 51 75 107 169 59 Children under 2....................... 39 41 14 34 42 41 72 31 Other apparel products and services.... 50 47 22 33 45 70 66 66 Jewelry and watches.................. 26 23 8 21 17 39 32 40 All other apparel products and services............................ 25 24 14 12 28 32 34 26 Transportation........................... 60 56 24 27 32 98 98 82 Health care.............................. 48 52 51 32 54 36 87 29 Entertainment............................ 69 74 23 56 58 78 156 48 Toys, games, hobbies, and tricycles.... 26 26 9 19 25 30 47 25 Other entertainment.................... 43 48 13 37 33 48 109 23 Personal care products and services...... 16 19 11 10 21 24 27 8 Reading.................................. 1 1 b/ 1 2 2 2 1 Education................................ 200 201 9 25 78 148 743 197 All other gifts.......................... 74 78 25 44 68 98 154 55 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.