Table 38. Consumer units of three persons 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)...... 12,828 324 541 905 814 1,676 1,412 1,370 2,272 3,516 Income before taxes a/ ...................... $55,512 $2,343 $7,857 $12,534 $17,224 $24,686 $34,601 $44,385 $58,812 $112,948 Income after taxes a/ ....................... 52,264 1,744 8,101 12,836 17,456 24,362 33,487 42,588 55,336 104,534 Age of the reference person.................. 43.5 41.0 43.2 41.8 44.7 42.8 43.5 43.0 43.2 44.8 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 1.1 1.1 1.2 .9 .8 .8 .8 .7 .6 Persons 65 and over......................... .2 .2 .2 .2 .3 .3 .2 .1 .1 .1 Earners..................................... 1.8 1.1 1.0 1.2 1.3 1.5 1.8 1.9 2.0 2.2 Vehicles.................................... 2.3 1.3 1.2 1.2 1.6 1.9 2.2 2.5 2.7 3.0 Percent distribution: Male........................................ 52 29 23 28 40 45 52 59 58 63 Female...................................... 48 71 77 72 60 55 48 41 42 37 Homeowner................................... 68 32 39 40 42 55 63 69 78 89 With mortgage.............................. 48 16 16 16 21 30 42 50 58 74 Without mortgage........................... 20 17 23 24 21 25 21 19 20 15 Renter...................................... 32 68 61 60 58 45 37 31 22 11 Black....................................... 15 32 29 28 19 18 15 16 13 8 White and other............................. 85 68 71 72 81 82 85 84 87 92 Elementary (1-8)............................ 5 8 13 7 15 9 6 4 2 1 High school (9-12).......................... 41 49 63 58 53 49 48 47 38 22 College..................................... 54 40 25 34 31 42 47 49 61 77 Never attended and other.................... b/ 3 c/ 1 1 b/ b/ c/ c/ c/ At least one vehicle owned or leased........ 93 66 72 72 85 92 96 98 99 99 Average annual expenditures.................. $48,085 $25,748 $21,499 $24,014 $25,784 $31,777 $39,685 $43,143 $51,297 $76,058 Food........................................ 6,499 4,626 4,810 4,463 4,392 5,154 5,365 6,467 6,566 8,806 Food at home............................. 3,892 2,796 3,601 3,154 3,105 3,514 3,491 3,883 3,765 4,742 Cereals and bakery products............ 571 383 509 489 474 524 493 534 564 700 Cereals and cereal products.......... 197 127 212 162 196 191 175 196 197 218 Bakery products...................... 374 256 297 327 278 333 318 338 367 482 Meats, poultry, fish, and eggs......... 1,068 803 1,055 902 961 1,044 1,033 1,010 943 1,268 Beef................................. 326 228 267 238 319 306 339 282 274 409 Pork................................. 236 135 333 220 204 239 215 237 211 263 Other meats.......................... 132 136 115 103 95 129 143 114 124 157 Poultry.............................. 188 151 172 204 178 184 163 184 191 206 Fish and seafood..................... 143 d/ 108 122 96 126 141 127 146 104 191 Eggs................................. 43 45 46 41 39 44 46 46 40 42 Dairy products......................... 420 290 380 283 317 372 402 429 414 512 Fresh milk and cream................. 174 130 175 128 149 161 180 178 159 201 Other dairy products................. 246 160 205 155 169 211 222 251 255 311 Fruits and vegetables.................. 637 428 534 531 519 569 567 640 604 791 Fresh fruits......................... 189 109 172 160 155 173 168 183 171 238 Fresh vegetables..................... 197 130 146 178 154 158 187 211 179 248 Processed fruits..................... 142 118 114 105 106 131 119 132 154 172 Processed vegetables................. 110 71 102 88 105 107 93 114 100 133 Other food at home..................... 1,195 893 1,123 950 835 1,007 996 1,271 1,240 1,471 Sugar and other sweets............... 139 130 135 139 101 112 109 145 141 169 Fats and oils........................ 107 78 114 115 85 102 85 117 109 118 Miscellaneous foods.................. 584 395 557 394 356 495 460 617 634 737 Nonalcoholic beverages............... 325 261 307 282 282 267 319 360 309 375 Food prepared by consumer unit on out-of-town trips................... 41 d/ 28 d/ 10 d/ 19 d/ 11 30 23 32 47 71 Food away from home.................... 2,608 1,829 1,209 1,309 1,287 1,640 1,875 2,584 2,801 4,063 Alcoholic beverages......................... 406 201 91 136 185 207 321 286 407 730 Housing..................................... 14,844 9,632 7,633 8,420 9,185 10,282 11,967 12,749 15,150 23,230 Shelter.................................. 8,255 5,291 3,931 4,795 5,035 5,518 6,651 6,862 8,540 13,137 Owned dwellings........................ 5,546 2,017 1,253 1,832 1,874 2,540 3,681 4,311 6,078 10,654 Mortgage interest and charges........ 3,481 1,341 532 844 882 1,344 2,252 2,787 4,051 6,826 Property taxes....................... 1,169 521 384 457 477 572 774 806 1,181 2,270 Maintenance, repairs, insurance,other expenses............................ 895 155 337 530 515 624 655 718 847 1,558 Rented dwellings....................... 2,214 3,046 2,554 2,805 2,965 2,762 2,768 2,335 1,972 1,385 Other lodging.......................... 496 d/ 228 d/ 125 159 196 216 202 216 490 1,097 Utilities, fuels, and public services.... 3,025 2,540 2,408 2,313 2,268 2,675 2,777 2,945 3,069 3,794 Natural gas............................ 405 232 329 301 243 354 350 363 381 574 Electricity............................ 1,100 1,027 1,012 902 882 1,028 1,076 1,086 1,115 1,261 Fuel oil and other fuels............... 95 d/ 43 d/ 84 d/ 52 d/ 42 119 79 65 99 128 Telephone services..................... 1,074 1,008 768 825 840 892 980 1,081 1,090 1,357 Water and other public services........ 352 229 215 233 262 282 291 350 385 474 Household operations..................... 960 608 225 367 570 511 709 793 963 1,727 Personal services...................... 552 d/ 123 d/ 119 165 362 347 476 473 604 927 Other household expenses............... 408 486 106 202 209 163 233 320 359 800 Housekeeping supplies.................... 631 324 394 333 402 463 461 642 695 891 Laundry and cleaning supplies.......... 173 141 144 121 147 143 173 176 175 206 Other household products............... 301 143 169 140 197 185 206 325 334 446 Postage and stationery................. 156 d/ 40 82 72 59 135 82 141 187 240 Household furnishings and equipment...... 1,972 869 674 611 909 1,116 1,370 1,506 1,882 3,681 Household textiles..................... 146 d/ 55 d/ 30 25 143 101 106 103 173 226 Furniture.............................. 503 191 197 233 208 277 384 415 450 941 Floor coverings........................ 56 d/ 87 d/ 14 d/ 18 d/ 8 12 55 56 47 109 Major appliances....................... 205 d/ 11 115 102 96 131 138 172 238 339 Small appliances, miscellaneous housewares............................ 96 d/ 100 53 27 40 62 82 70 120 143 Miscellaneous household equipment...... 967 426 264 207 414 532 606 690 855 1,922 Apparel and services........................ 2,321 1,966 882 1,278 1,556 1,377 1,978 2,117 2,484 3,485 Men and boys............................. 572 467 208 192 400 281 511 382 682 900 Men, 16 and over....................... 454 d/ 138 d/ 130 103 282 191 389 277 564 768 Boys, 2 to 15.......................... 118 329 79 89 118 89 122 105 119 132 Women and girls.......................... 876 847 340 498 481 537 690 967 943 1,274 Women, 16 and over..................... 732 577 236 352 401 413 566 814 807 1,099 Girls, 2 to 15......................... 144 270 105 146 79 124 124 153 137 175 Children under 2......................... 159 d/ 102 94 142 167 93 136 139 172 215 Footwear................................. 393 d/ 293 d/ 96 277 343 268 447 406 424 478 Other apparel products and services...... 322 258 143 169 165 199 193 222 262 617 Transportation.............................. 9,847 4,636 4,192 4,925 4,669 6,705 9,612 9,736 11,178 14,431 Vehicle purchases (net outlay)........... 4,703 d/ 1,957 d/ 2,271 2,589 1,804 3,302 5,321 4,682 5,421 6,507 Cars and trucks, new................... 2,143 c/ d/ 509 d/ 447 d/ 327 1,219 2,233 2,106 2,577 3,588 Cars and trucks, used.................. 2,527 d/ 1,957 1,763 2,142 1,477 2,083 3,088 2,530 2,751 2,879 Other vehicles......................... 33 c/ c/ c/ c/ c/ c/ d/ 45 d/ 94 d/ 41 Gasoline and motor oil................... 1,601 934 784 870 1,116 1,248 1,544 1,645 1,756 2,161 Other vehicle expenses................... 3,075 1,521 1,009 1,190 1,548 1,923 2,456 3,182 3,592 4,794 Vehicle finance charges................ 477 188 160 114 203 305 433 557 619 684 Maintenance and repairs................ 787 357 288 372 503 539 670 887 879 1,140 Vehicle insurance...................... 1,048 477 392 424 559 783 916 1,214 1,299 1,429 Vehicle rental, leases, licenses, other charges.............................. 763 500 169 280 283 296 438 523 796 1,540 Public transportation.................... 468 223 127 277 201 232 290 228 409 970 Health care................................. 2,250 1,480 1,057 1,226 1,413 1,954 2,226 2,185 2,473 2,986 Health insurance......................... 1,092 901 515 560 642 954 1,109 1,221 1,231 1,359 Medical services......................... 623 249 276 313 382 521 595 443 688 934 Drugs.................................... 426 264 207 295 338 404 429 432 424 530 Medical supplies......................... 109 d/ 65 58 58 51 75 93 90 131 163 Entertainment............................... 2,249 1,200 796 935 1,053 1,517 2,026 2,027 2,588 3,464 Fees and admissions...................... 522 169 142 190 245 218 322 352 496 1,069 Television, radios, sound equipment...... 769 538 429 470 455 564 759 789 820 1,050 Pets, toys, and playground equipment..... 411 369 174 165 277 268 350 379 459 614 Other entertainment supplies, equipment,and services.................. 547 124 51 111 75 467 596 507 813 730 Personal care products and services......... 668 407 354 437 394 458 529 665 715 972 Reading..................................... 152 64 50 51 68 100 119 129 171 256 Education................................... 845 337 175 309 294 304 442 566 915 1,737 Tobacco products and smoking supplies....... 413 447 443 371 401 448 466 463 393 374 Miscellaneous............................... 894 295 478 441 575 692 703 886 1,022 1,288 Cash contributions.......................... 1,266 93 113 146 264 533 792 822 1,327 2,746 Personal insurance and pensions............. 5,431 364 426 877 1,333 2,047 3,138 4,044 5,908 11,554 Life and other personal insurance........ 515 211 167 256 294 275 379 385 563 902 Pensions and Social Security............. 4,917 153 259 621 1,039 1,772 2,759 3,659 5,345 10,652 Sources of income and personal taxes: a/ Money income before taxes.................. 55,512 2,343 7,857 12,534 17,224 24,686 34,601 44,385 58,812 112,948 Wages and salaries....................... 48,520 1,334 2,859 7,051 11,715 18,786 29,277 38,830 53,889 101,282 Self-employment income................... 2,374 d/ -575 d/ 183 279 170 710 1,129 1,420 1,334 6,369 Social Security, private and government retirement................... 2,978 482 2,415 2,847 3,788 4,136 3,028 2,879 2,322 3,030 Interest, dividends, rental income, other property income................... 476 d/ 48 d/ 44 83 63 103 283 319 285 1,218 Unemployment and workers'' compensation, veterans'' benefits..................... 211 d/ 9 d/ 35 d/ 102 137 156 177 278 186 333 Public assistance, supplemental security, income, food stamps..................... 399 735 1,807 1,633 878 224 94 213 152 161 Regular contributions for support........ 402 d/ 123 325 358 346 457 563 326 556 303 Other income............................. 151 d/ 188 d/ 189 181 126 113 49 121 89 252 Personal taxes............................. 3,247 599 -244 -302 -231 324 1,114 1,798 3,476 8,414 Federal income taxes..................... 2,506 390 -282 -327 -316 139 784 1,287 2,624 6,729 State and local income taxes............. 614 152 -2 20 30 125 256 395 706 1,442 Other taxes.............................. 127 d/ 57 d/ 39 4 55 60 73 115 145 244 Income after taxes......................... 52,264 1,744 8,101 12,836 17,456 24,362 33,487 42,588 55,336 104,534 Net change in total assets and liabilities... -2,024 4,622 6,389 112 1,234 -2,361 -369 -4,015 -9,908 136 Net change in total assets............... 7,462 5,026 9,555 851 2,216 4,040 8,138 4,905 3,044 15,489 Net change in total liabilities.......... 9,485 405 3,166 738 983 6,401 8,507 8,920 12,952 15,353 Other financial information: Other money receipts..................... 747 d/ 434 d/ 223 d/ 498 d/ 1,320 339 1,243 473 486 1,060 Mortgage principal paid on owned property................................ -1,582 -530 -221 -479 -596 -567 -1,189 -1,100 -1,442 -3,319 Estimated market value of owned home..... 99,538 42,090 37,892 42,569 37,850 52,759 69,667 73,230 100,763 186,994 Estimated monthly rental value of owned home.................................... 698 277 258 325 299 421 512 577 742 1,219 Gifts of goods and services................. 1,386 722 677 606 482 848 785 1,198 1,224 2,606 Food..................................... 111 d/ 22 d/ 8 d/ 22 d/ 14 35 59 49 91 271 Alcoholic beverages...................... 18 c/ d/ 5 d/ 17 d/ 13 d/ 9 d/ 8 d/ 8 25 29 Housing.................................. 340 179 169 142 132 320 212 223 383 548 Housekeeping supplies.................. 50 b/ d/ 18 d/ 15 d/ 16 55 44 48 62 64 Household textiles..................... 21 c/ d/ 2 c/ d/ 1 d/ 56 d/ 2 d/ 25 22 24 Appliances and miscellaneous housewares........................... 27 d/ 7 d/ 11 d/ 7 d/ 7 d/ 32 d/ 13 d/ 40 39 32 Major appliances..................... 9 c/ c/ d/ 4 c/ d/ 1 d/ 1 d/ 27 18 10 Small appliances and miscellaneous housewares......................... 18 d/ 7 d/ 11 d/ 3 d/ 7 d/ 31 d/ 12 d/ 12 21 23 Miscellaneous household equipment...... 71 d/ 10 d/ 11 19 8 62 76 53 75 117 Other housing.......................... 171 162 128 101 99 115 78 57 185 311 Apparel and services..................... 321 268 195 194 216 149 307 326 327 470 Males, 2 and over...................... 92 d/ 98 d/ 15 d/ 9 85 35 67 110 125 129 Females, 2 and over.................... 102 d/ 63 d/ 95 d/ 76 17 44 89 64 91 183 Children under 2....................... 70 d/ 20 59 47 78 39 72 75 67 91 Other apparel products and services.... 57 d/ 87 d/ 27 d/ 63 d/ 36 d/ 31 d/ 79 76 44 68 Jewelry and watches.................. 18 d/ 82 d/ 13 d/ 4 d/ 3 d/ 5 d/ 13 d/ 35 10 26 All other apparel products and services............................ 40 d/ 5 d/ 13 d/ 58 d/ 33 d/ 26 d/ 65 d/ 42 d/ 34 42 Transportation........................... 106 d/ 4 b/ 11 14 10 7 352 27 217 Health care.............................. 27 c/ d/ 6 d/ 18 d/ 1 d/ 61 d/ 14 d/ 11 12 45 Entertainment............................ 101 106 d/ 34 46 d/ 27 146 62 64 102 150 Toys, games, hobbies, and tricycles.... 29 d/ 27 d/ 15 d/ 10 d/ 13 27 29 28 34 38 Other entertainment.................... 72 80 19 36 d/ 15 119 33 36 68 112 Personal care products and services...... 27 d/ 49 d/ 17 b/ d/ 5 18 11 25 25 48 Reading.................................. 1 d/ 3 c/ c/ b/ d/ 1 b/ d/ 1 2 3 Education................................ 234 d/ 68 d/ 35 d/ 70 d/ 35 d/ 12 55 79 159 653 All other gifts.......................... 100 d/ 23 d/ 207 84 25 87 49 61 71 173 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.