Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 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)...... 10,781 439 767 882 691 1,530 1,331 1,087 1,598 2,455 Income before taxes a/ ...................... $50,171 $2,029 $7,484 $12,439 $17,294 $24,650 $34,689 $44,549 $59,076 $115,938 Income after taxes a/ ....................... 46,422 1,572 5,351 12,268 16,795 23,411 32,776 41,954 55,209 105,899 Age of the reference person.................. 59.2 59.6 60.1 60.1 60.1 59.4 59.2 58.9 58.9 58.4 Average number in consumer unit: Persons..................................... 2.1 1.7 1.6 1.8 1.9 2.0 2.0 2.1 2.2 2.5 Children under 18........................... .2 b/ .1 .2 .2 .1 .2 .1 .1 .1 .2 Persons 65 and over......................... .1 b/ .1 .1 .1 .1 .1 .1 .1 .1 .1 Earners..................................... 1.3 .7 .5 .6 .9 1.1 1.4 1.5 1.7 2.0 Vehicles.................................... 2.3 1.5 1.3 1.4 2.0 2.0 2.2 2.4 2.7 3.0 Percent distribution: Male........................................ 57 36 38 45 40 52 54 58 67 72 Female...................................... 43 64 62 55 60 48 46 42 33 28 Homeowner................................... 80 57 55 66 80 76 82 84 90 92 With mortgage.............................. 42 19 18 21 32 33 43 42 53 61 Without mortgage........................... 39 38 36 45 48 42 40 42 37 31 Renter...................................... 20 43 45 34 20 24 18 16 10 8 Black....................................... 10 10 20 16 11 12 12 10 8 6 White and other............................. 90 90 80 84 89 88 88 90 92 94 Elementary (1-8)............................ 7 12 17 10 12 11 4 4 3 3 High school (9-12).......................... 41 46 56 57 51 47 49 43 35 22 College..................................... 52 41 27 33 36 41 48 54 62 75 Never attended and other.................... c/ 1 1 d/ 1 d/ d/ c/ d/ d/ At least one vehicle owned or leased........ 93 77 72 82 91 93 96 96 98 99 Average annual expenditures.................. $43,137 $24,746 $18,058 $22,925 $28,671 $30,396 $37,274 $40,597 $50,034 $73,469 Food........................................ 5,590 3,556 2,476 3,612 3,783 4,816 4,952 5,874 6,477 8,309 Food at home............................. 3,304 2,185 1,674 2,563 2,483 3,362 3,233 3,512 3,582 4,263 Cereals and bakery products............ 473 303 258 359 353 506 489 505 510 581 Cereals and cereal products.......... 146 104 83 120 101 170 146 162 145 175 Bakery products...................... 327 198 176 239 252 335 344 342 365 406 Meats, poultry, fish, and eggs......... 890 542 451 776 698 914 906 925 887 1,150 Beef................................. 255 148 113 209 222 244 253 257 283 335 Pork................................. 206 212 134 231 166 224 199 217 194 230 Other meats.......................... 103 54 53 80 86 125 110 91 102 128 Poultry.............................. 156 87 80 140 133 143 152 147 160 215 Fish and seafood..................... 128 b/ 19 45 80 65 135 111 162 113 202 Eggs................................. 43 23 27 36 25 43 81 50 35 40 Dairy products......................... 344 198 165 237 263 351 363 359 390 438 Fresh milk and cream................. 134 90 90 111 96 143 153 132 143 155 Other dairy products................. 210 107 75 126 167 208 210 227 248 283 Fruits and vegetables.................. 588 395 286 438 419 584 531 631 653 794 Fresh fruits......................... 189 123 98 136 116 184 173 208 216 256 Fresh vegetables..................... 188 110 84 146 132 180 156 180 223 269 Processed fruits..................... 119 80 65 83 89 112 108 131 116 171 Processed vegetables................. 92 82 39 74 83 107 93 112 97 98 Other food at home..................... 1,009 748 513 754 749 1,007 944 1,092 1,142 1,300 Sugar and other sweets............... 128 78 71 83 86 128 119 152 161 155 Fats and oils........................ 95 74 55 86 70 97 103 96 108 107 Miscellaneous foods.................. 448 342 192 303 315 452 409 485 500 612 Nonalcoholic beverages............... 282 239 158 245 225 294 269 312 313 327 Food prepared by consumer unit on out-of-town trips................... 57 b/ 15 b/ 37 38 54 37 44 48 59 99 Food away from home.................... 2,286 1,371 802 1,049 1,300 1,455 1,719 2,362 2,895 4,046 Alcoholic beverages......................... 370 257 152 188 201 253 251 341 477 656 Housing..................................... 13,035 9,095 6,192 7,814 9,188 9,538 11,349 11,658 15,128 21,232 Shelter.................................. 7,015 4,616 3,374 4,262 4,856 4,899 5,920 5,826 7,813 12,101 Owned dwellings........................ 5,011 2,376 1,739 2,414 3,434 2,971 4,331 4,260 5,812 9,333 Mortgage interest and charges........ 2,431 974 665 898 1,473 1,117 2,091 1,793 2,758 5,136 Property taxes....................... 1,443 1,007 627 796 1,132 1,022 1,159 1,233 1,702 2,436 Maintenance, repairs, insurance,other expenses............................ 1,137 396 446 720 829 832 1,081 1,234 1,352 1,762 Rented dwellings....................... 1,211 1,891 1,451 1,706 1,037 1,536 1,151 1,129 1,000 889 Other lodging.......................... 793 348 185 142 386 392 437 437 1,001 1,878 Utilities, fuels, and public services.... 2,871 2,270 1,839 2,150 2,541 2,486 2,804 2,859 3,054 3,817 Natural gas............................ 391 316 225 281 394 312 355 425 434 523 Electricity............................ 1,065 836 741 907 947 962 1,063 1,072 1,112 1,330 Fuel oil and other fuels............... 125 b/ 109 104 66 155 129 150 86 111 158 Telephone services..................... 924 700 555 613 748 784 911 905 990 1,302 Water and other public services........ 365 310 214 283 297 299 326 371 406 505 Household operations..................... 543 502 171 238 438 388 354 407 456 1,123 Personal services...................... 101 c/ b/ 10 b/ 24 b/ 144 b/ 104 b/ 42 b/ 98 68 216 Other household expenses............... 442 502 160 214 294 284 312 309 387 908 Housekeeping supplies.................... 670 419 240 355 465 532 725 585 728 1,090 Laundry and cleaning supplies.......... 200 100 82 100 153 152 240 136 195 347 Other household products............... 313 242 94 154 212 243 357 254 363 507 Postage and stationery................. 157 b/ 77 64 101 100 137 128 195 170 236 Household furnishings and equipment...... 1,936 1,287 568 810 888 1,233 1,546 1,981 3,078 3,100 Household textiles..................... 163 25 38 57 115 183 141 156 172 273 Furniture.............................. 363 231 206 93 167 246 193 359 471 684 Floor coverings........................ 58 b/ 98 b/ 5 b/ 55 b/ 11 40 15 22 84 114 Major appliances....................... 217 b/ 89 107 158 127 199 151 249 282 312 Small appliances, miscellaneous housewares............................ 110 452 22 35 64 62 92 109 137 164 Miscellaneous household equipment...... 1,025 392 190 413 404 503 953 1,085 1,932 1,554 Apparel and services........................ 1,785 896 527 792 1,066 1,074 1,653 1,554 2,161 3,290 Men and boys............................. 418 176 79 131 248 273 396 339 512 799 Men, 16 and over....................... 381 162 62 111 208 224 347 318 466 761 Boys, 2 to 15.......................... 37 b/ 14 17 20 39 49 49 22 46 39 Women and girls.......................... 733 414 183 299 476 453 690 662 908 1,321 Women, 16 and over..................... 673 377 124 276 405 397 633 608 856 1,237 Girls, 2 to 15......................... 60 b/ 37 59 23 71 57 57 54 52 84 Children under 2......................... 58 b/ 23 32 24 34 40 47 62 103 75 Footwear................................. 311 b/ 113 b/ 79 225 198 180 352 281 335 543 Other apparel products and services...... 265 170 155 114 110 127 168 208 303 552 Transportation.............................. 8,097 4,978 4,192 4,476 5,071 5,962 7,876 8,346 9,502 12,449 Vehicle purchases (net outlay)........... 3,678 b/ 2,383 2,256 2,110 b/ 2,105 2,608 4,007 4,066 4,289 5,280 Cars and trucks, new................... 1,953 b/ 1,585 b/ 769 b/ 827 b/ 753 1,185 2,233 1,761 2,226 3,363 Cars and trucks, used.................. 1,676 b/ 798 1,487 1,283 1,353 1,423 1,774 2,270 1,963 1,778 Other vehicles......................... b/ 50 d/ d/ d/ d/ d/ d/ b/ 36 b/ 100 b/ 138 Gasoline and motor oil................... 1,379 931 691 748 1,147 1,122 1,378 1,407 1,616 1,961 Other vehicle expenses................... 2,507 1,300 977 1,365 1,625 1,955 2,108 2,560 3,036 4,046 Vehicle finance charges................ 363 138 132 212 203 351 391 442 424 493 Maintenance and repairs................ 713 420 362 440 515 593 539 759 808 1,109 Vehicle insurance...................... 873 454 364 464 682 740 746 927 1,054 1,318 Vehicle rental, leases, licenses, other charges.............................. 558 288 120 249 225 271 432 432 750 1,126 Public transportation.................... 533 364 268 253 194 276 384 313 561 1,162 Health care................................. 2,687 2,509 1,813 2,179 2,258 2,440 2,486 2,581 2,966 3,422 Health insurance......................... 1,163 913 765 819 967 1,115 1,170 1,123 1,341 1,439 Medical services......................... 795 1,079 644 477 652 687 617 593 862 1,153 Drugs.................................... 585 338 321 787 540 565 544 712 558 645 Medical supplies......................... 145 b/ 178 83 96 98 73 154 154 206 184 Entertainment............................... 2,396 971 659 1,394 2,925 1,881 1,867 2,197 2,895 3,773 Fees and admissions...................... 602 264 115 195 243 292 364 390 564 1,501 Television, radios, sound equipment...... 641 412 352 393 515 499 638 706 722 902 Pets, toys, and playground equipment..... 410 155 134 225 218 319 403 503 485 629 Other entertainment supplies, equipment,and services.................. 744 140 58 581 1,950 770 463 599 1,124 740 Personal care products and services......... 590 378 225 363 364 466 810 542 649 840 Reading..................................... 193 104 107 89 117 126 157 180 245 327 Education................................... 368 b/ 35 b/ 86 48 147 113 151 339 385 968 Tobacco products and smoking supplies....... 362 279 326 316 307 363 406 489 413 307 Miscellaneous............................... 883 483 326 350 614 740 802 1,065 884 1,443 Cash contributions.......................... 1,530 597 350 364 805 685 1,064 1,045 1,529 3,681 Personal insurance and pensions............. 5,252 608 628 939 1,825 1,939 3,450 4,385 6,323 12,770 Life and other personal insurance........ 676 465 262 560 283 350 627 501 781 1,234 Pensions and Social Security............. 4,576 143 366 380 1,542 1,589 2,823 3,884 5,542 11,536 Sources of income and personal taxes: a/ Money income before taxes.................. 50,171 2,029 7,484 12,439 17,294 24,650 34,689 44,549 59,076 115,938 Wages and salaries....................... 37,302 899 1,144 3,680 8,097 15,220 24,367 32,478 46,131 92,587 Self-employment income................... 3,725 b/ -362 422 167 798 869 1,879 1,410 2,514 12,185 Social Security, private and government retirement................... 6,946 829 4,141 7,096 6,885 7,761 7,272 8,716 8,586 6,343 Interest, dividends, rental income, other property income................... 1,292 58 135 238 277 322 581 974 1,207 3,724 Unemployment and workers'' compensation, veterans'' benefits..................... 249 b/ 54 b/ 8 b/ 54 b/ 144 142 222 320 315 464 Public assistance, supplemental security, income, food stamps..................... 418 363 1,418 1,039 773 157 130 243 257 291 Regular contributions for support........ 173 b/ 40 b/ 139 b/ 100 b/ 258 b/ 146 b/ 168 b/ 361 b/ 26 241 Other income............................. 68 b/ 149 b/ 77 b/ 66 b/ 61 34 70 b/ 48 b/ 39 104 Personal taxes............................. 3,749 457 2,133 171 499 1,240 1,913 2,595 3,867 10,039 Federal income taxes..................... 2,838 332 1,768 85 258 840 1,360 1,958 2,882 7,742 State and local income taxes............. 694 24 315 40 19 190 352 448 737 1,939 Other taxes.............................. 217 b/ 102 49 46 222 209 201 189 248 358 Income after taxes......................... 46,422 1,572 5,351 12,268 16,795 23,411 32,776 41,954 55,209 105,899 Net change in total assets and liabilities... -4,128 9,602 1,239 -1,241 1,147 -3,987 -6,419 -2,783 -13,186 -4,330 Net change in total assets............... 896 10,269 4,487 101 3,425 -2,967 -200 5,117 -6,052 3,328 Net change in total liabilities.......... 5,025 667 3,247 1,342 2,278 1,020 6,219 7,900 7,134 7,658 Other financial information: Other money receipts..................... 1,153 b/ 519 111 389 b/ 434 634 80 456 1,053 3,351 Mortgage principal paid on owned property................................ -1,616 -959 -392 -589 -710 -880 -1,377 -1,264 -1,737 -3,405 Estimated market value of owned home..... 118,925 84,884 71,613 68,423 92,442 74,676 95,351 96,357 133,492 206,275 Estimated monthly rental value of owned home.................................... 787 554 397 489 691 549 690 715 899 1,243 Gifts of goods and services................. 1,481 687 534 532 571 951 1,222 1,131 1,457 3,179 Food..................................... 99 b/ 33 b/ 12 b/ 25 b/ 41 46 63 86 135 219 Alcoholic beverages...................... 8 c/ b/ 10 b/ 6 b/ 2 b/ 5 8 b/ 6 8 15 Housing.................................. 385 241 128 125 148 275 336 403 333 779 Housekeeping supplies.................. 60 b/ 47 b/ 8 b/ 29 36 36 52 72 73 105 Household textiles..................... 28 b/ 4 b/ 3 b/ 4 b/ 13 b/ 63 b/ 11 b/ 6 32 49 Appliances and miscellaneous housewares........................... 41 b/ 83 b/ 2 b/ 17 b/ 11 b/ 22 38 73 43 63 Major appliances..................... 13 d/ d/ b/ 12 b/ 3 b/ 16 b/ 2 b/ 36 b/ 16 14 Small appliances and miscellaneous housewares......................... 27 b/ 83 b/ 2 b/ 4 b/ 8 b/ 7 36 37 27 49 Miscellaneous household equipment...... 102 57 30 14 31 77 147 120 126 154 Other housing.......................... 153 b/ 49 86 62 b/ 58 76 88 132 60 407 Apparel and services..................... 358 158 110 147 176 263 380 240 467 633 Males, 2 and over...................... 111 b/ 28 10 23 57 107 109 51 139 218 Females, 2 and over.................... 122 b/ 54 28 54 61 94 151 92 113 228 Children under 2....................... 51 23 18 23 34 31 46 58 90 68 Other apparel products and services.... 74 b/ 53 b/ 54 b/ 46 b/ 25 30 74 b/ 39 124 118 Jewelry and watches.................. 27 b/ 52 b/ 43 b/ 12 b/ 6 b/ 9 21 b/ 9 52 36 All other apparel products and services............................ 47 b/ 1 b/ 10 b/ 34 b/ 19 b/ 21 b/ 53 b/ 29 b/ 72 82 Transportation........................... 132 19 97 29 15 23 48 33 46 447 Health care.............................. 62 b/ 31 b/ 6 b/ 46 b/ 3 b/ 115 b/ 18 b/ 17 32 138 Entertainment............................ 119 76 57 62 29 106 101 133 115 206 Toys, games, hobbies, and tricycles.... 55 b/ 27 32 38 b/ 20 43 50 57 58 89 Other entertainment.................... 64 49 25 23 10 63 51 76 56 118 Personal care products and services...... 45 b/ 51 b/ 9 b/ 11 b/ 18 23 176 b/ 8 38 45 Reading.................................. 2 b/ 3 3 3 c/ 1 1 2 4 3 Education................................ 134 b/ 4 b/ 1 b/ 3 b/ 91 b/ 14 25 82 111 428 All other gifts.......................... 136 70 100 75 47 81 66 122 167 265 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.5. d No data reported. n.a. Not applicable.