Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 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)...... 19,847 526 729 938 1,033 2,222 2,320 2,231 3,641 6,208 Income before taxes a/ ...................... $60,233 - $1,154 $7,857 $12,572 $17,182 $24,698 $34,414 $44,680 $59,019 $114,611 Income after taxes a/ ....................... 56,911 -1,046 8,108 12,781 17,491 24,381 33,280 42,605 56,103 106,861 Age of the reference person.................. 39.6 39.6 39.8 39.5 39.7 39.7 39.4 39.4 39.6 39.7 Average number in consumer unit: Persons..................................... 3.2 2.7 2.6 2.9 3.0 2.8 3.0 3.2 3.4 3.6 Children under 18........................... 1.3 1.1 1.1 1.3 1.3 1.1 1.2 1.3 1.4 1.5 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.7 1.0 .8 1.1 1.3 1.4 1.6 1.7 1.9 2.0 Vehicles.................................... 2.2 1.5 1.0 1.2 1.4 1.6 1.9 2.2 2.5 2.9 Percent distribution: Male........................................ 52 41 38 33 36 45 50 55 56 60 Female...................................... 48 59 62 67 64 55 50 45 44 40 Homeowner................................... 68 42 29 33 36 47 60 69 79 88 With mortgage.............................. 57 28 14 15 25 33 47 59 69 80 Without mortgage........................... 11 14 15 18 12 14 13 10 10 7 Renter...................................... 32 58 71 67 64 53 40 31 21 12 Black....................................... 13 22 32 21 22 19 15 13 10 7 White and other............................. 87 78 68 79 78 81 85 87 90 93 Elementary (1-8)............................ 3 8 12 8 8 6 4 3 1 1 High school (9-12).......................... 37 52 66 58 57 48 44 41 32 19 College..................................... 60 41 22 34 34 45 52 55 67 80 Never attended and other.................... c/ d/ d/ 1 1 c/ c/ d/ d/ c/ At least one vehicle owned or leased........ 92 69 64 71 82 88 94 97 97 98 Average annual expenditures.................. $50,477 $28,545 $18,958 $22,955 $26,494 $28,558 $34,448 $43,446 $53,201 $79,369 Food........................................ 6,728 4,867 3,675 4,831 4,715 4,650 4,910 6,145 7,440 9,271 Food at home............................. 3,827 2,912 2,294 3,393 3,221 2,996 3,068 3,655 4,048 4,842 Cereals and bakery products............ 578 459 342 487 487 449 441 531 610 754 Cereals and cereal products.......... 203 177 138 196 195 165 159 191 203 255 Bakery products...................... 375 281 205 291 292 284 282 340 407 500 Meats, poultry, fish, and eggs......... 988 810 645 1,112 956 828 861 911 1,064 1,127 Beef................................. 292 253 185 315 277 262 291 225 321 323 Pork................................. 208 153 176 266 209 171 169 190 233 230 Other meats.......................... 133 101 88 152 108 117 115 117 136 161 Poultry.............................. 182 144 91 180 182 147 136 195 209 207 Fish and seafood..................... 133 113 77 160 141 90 110 143 124 165 Eggs................................. 40 46 28 38 40 42 39 42 42 40 Dairy products......................... 423 319 250 306 338 333 340 398 438 556 Fresh milk and cream................. 169 137 112 138 152 150 150 165 176 200 Other dairy products................. 253 182 138 169 186 183 191 232 262 357 Fruits and vegetables.................. 622 474 366 521 585 481 502 622 627 793 Fresh fruits......................... 192 174 108 155 151 152 146 194 191 253 Fresh vegetables..................... 190 124 109 164 182 155 158 200 187 237 Processed fruits..................... 139 116 84 121 145 101 108 121 144 182 Processed vegetables................. 100 59 65 81 107 73 90 108 104 120 Other food at home..................... 1,215 850 690 966 855 904 924 1,192 1,309 1,612 Sugar and other sweets............... 152 125 94 117 117 114 108 145 155 206 Fats and oils........................ 98 84 52 119 85 89 85 103 103 106 Miscellaneous foods.................. 588 368 333 445 398 443 429 594 629 796 Nonalcoholic beverages............... 329 257 192 273 247 234 268 317 376 417 Food prepared by consumer unit on out-of-town trips................... 48 e/ 17 e/ 18 e/ 12 e/ 7 24 34 34 47 87 Food away from home.................... 2,902 1,955 1,382 1,438 1,494 1,654 1,842 2,490 3,392 4,429 Alcoholic beverages......................... 445 456 140 189 258 294 279 474 401 696 Housing..................................... 16,452 10,271 7,423 7,993 9,384 9,959 11,396 13,848 16,610 25,617 Shelter.................................. 9,801 6,777 4,072 4,753 5,699 6,000 6,742 8,302 9,790 15,224 Owned dwellings........................ 6,967 3,998 1,400 1,269 2,155 2,562 3,728 5,432 7,369 12,636 Mortgage interest and charges........ 4,583 2,695 751 594 1,179 1,532 2,422 3,631 4,869 8,437 Property taxes....................... 1,422 658 468 283 578 585 761 1,001 1,463 2,585 Maintenance, repairs, insurance,other expenses............................ 962 645 181 392 398 446 544 801 1,036 1,614 Rented dwellings....................... 2,348 2,446 2,563 3,425 3,400 3,252 2,853 2,624 2,036 1,549 Other lodging.......................... 486 332 108 e/ 59 144 185 161 246 385 1,039 Utilities, fuels, and public services.... 3,063 1,998 2,101 2,018 2,205 2,416 2,701 2,890 3,302 3,857 Natural gas............................ 409 296 247 239 276 295 348 390 434 542 Electricity............................ 1,112 797 955 774 887 948 1,034 1,063 1,175 1,315 Fuel oil and other fuels............... 93 e/ 25 e/ 40 67 e/ 26 75 106 87 115 111 Telephone services..................... 1,080 670 647 750 782 848 928 993 1,166 1,385 Water and other public services........ 369 209 212 187 234 250 285 356 413 504 Household operations..................... 1,004 145 441 253 369 330 621 561 791 2,030 Personal services...................... 578 e/ 26 e/ 118 125 177 164 387 287 425 1,227 Other household expenses............... 426 119 324 127 192 166 234 274 366 803 Housekeeping supplies.................... 660 406 304 423 374 386 424 600 837 942 Laundry and cleaning supplies.......... 166 134 76 159 138 116 133 171 203 195 Other household products............... 347 198 189 176 172 175 210 296 472 510 Postage and stationery................. 147 75 39 88 64 95 81 133 162 236 Household furnishings and equipment...... 1,924 946 504 547 737 826 908 1,495 1,891 3,565 Household textiles..................... 158 76 57 109 58 65 100 136 118 295 Furniture.............................. 502 105 75 156 168 183 188 357 460 1,002 Floor coverings........................ 49 e/ 12 e/ 6 e/ 16 e/ 6 10 17 25 45 104 Major appliances....................... 238 169 97 78 93 124 123 189 261 396 Small appliances, miscellaneous housewares............................ 108 40 24 45 72 44 39 128 89 197 Miscellaneous household equipment...... 870 544 246 143 341 401 440 660 918 1,570 Apparel and services........................ 2,284 1,545 1,083 1,431 1,701 1,093 1,658 2,001 2,190 3,608 Men and boys............................. 581 336 307 340 295 259 384 508 566 968 Men, 16 and over....................... 396 212 240 174 169 161 262 353 367 689 Boys, 2 to 15.......................... 186 124 67 165 127 98 122 155 199 279 Women and girls.......................... 889 667 397 568 766 388 691 794 800 1,407 Women, 16 and over..................... 624 508 314 377 506 235 451 560 573 1,016 Girls, 2 to 15......................... 264 160 82 190 261 153 240 234 227 391 Children under 2......................... 105 e/ 16 32 79 56 56 97 71 98 171 Footwear................................. 408 368 e/ 243 298 417 212 295 386 479 540 Other apparel products and services...... 301 158 104 147 167 177 190 242 247 522 Transportation.............................. 9,711 6,106 3,227 3,718 5,079 5,417 6,745 9,152 10,872 14,643 Vehicle purchases (net outlay)........... 4,761 3,781 1,529 1,733 2,525 2,401 3,097 4,380 5,406 7,278 Cars and trucks, new................... 2,318 e/ 1,538 e/ 422 e/ 614 e/ 999 711 1,120 2,202 2,548 4,013 Cars and trucks, used.................. 2,365 2,243 1,108 1,119 1,526 1,689 1,962 2,103 2,732 3,122 Other vehicles......................... 78 d/ d/ d/ d/ e/ 1 e/ 14 e/ 75 125 143 Gasoline and motor oil................... 1,532 766 653 787 955 1,144 1,293 1,463 1,703 2,061 Other vehicle expenses................... 2,988 1,413 928 1,042 1,378 1,638 2,119 3,054 3,376 4,506 Vehicle finance charges................ 503 161 149 133 142 263 398 509 622 744 Maintenance and repairs................ 900 465 328 315 484 513 577 1,073 985 1,332 Vehicle insurance...................... 958 435 319 441 535 649 843 948 1,119 1,287 Vehicle rental, leases, licenses, other charges.............................. 627 353 132 153 217 214 302 523 650 1,142 Public transportation.................... 430 146 117 156 222 234 236 255 387 799 Health care................................. 1,994 1,043 794 1,088 1,029 1,327 1,718 1,820 2,357 2,708 Health insurance......................... 984 565 349 487 435 632 878 983 1,181 1,312 Medical services......................... 588 281 235 250 250 392 477 461 728 838 Drugs.................................... 326 162 178 255 307 261 276 295 342 416 Medical supplies......................... 96 e/ 34 e/ 32 e/ 96 37 42 88 82 106 142 Entertainment............................... 2,724 1,259 793 1,021 979 1,204 1,631 2,070 2,792 4,789 Fees and admissions...................... 746 261 124 140 153 214 327 468 685 1,533 Television, radios, sound equipment...... 828 497 417 359 480 513 658 833 908 1,162 Pets, toys, and playground equipment..... 484 206 119 233 199 294 303 396 527 784 Other entertainment supplies, equipment,and services.................. 665 294 133 290 147 183 343 373 672 1,310 Personal care products and services......... 613 439 286 422 390 391 461 538 615 904 Reading..................................... 142 46 31 51 46 64 89 113 160 240 Education................................... 722 454 194 279 286 311 333 541 878 1,216 Tobacco products and smoking supplies....... 398 442 375 435 477 489 425 439 434 301 Miscellaneous............................... 863 507 322 358 492 591 686 812 845 1,292 Cash contributions.......................... 1,324 543 206 238 314 610 785 1,084 1,394 2,356 Personal insurance and pensions............. 6,077 568 408 901 1,344 2,158 3,333 4,407 6,212 11,727 Life and other personal insurance........ 426 189 141 87 136 226 267 316 433 744 Pensions and Social Security............. 5,651 378 267 814 1,208 1,932 3,066 4,092 5,780 10,983 Sources of income and personal taxes: a/ Money income before taxes.................. 60,233 -1,154 7,857 12,572 17,182 24,698 34,414 44,680 59,019 114,611 Wages and salaries....................... 54,627 2,031 2,882 8,060 13,062 20,948 30,886 40,916 55,026 104,725 Self-employment income................... 2,982 -3,973 153 88 941 951 1,411 1,663 2,193 6,931 Social Security, private and government retirement................... 868 279 1,874 1,650 1,155 1,044 1,084 738 648 666 Interest, dividends, rental income, other property income................... 574 -226 65 101 47 93 163 314 334 1,420 Unemployment and workers'' compensation, veterans'' benefits..................... 261 e/ 91 e/ 120 301 467 290 261 286 313 201 Public assistance, supplemental security, income, food stamps..................... 399 397 2,318 1,611 956 740 174 164 121 109 Regular contributions for support........ 381 e/ 132 337 510 374 513 357 497 291 362 Other income............................. 141 e/ 116 e/ 108 252 179 118 78 104 94 197 Personal taxes............................. 3,322 -108 -251 -208 -309 317 1,134 2,076 2,916 7,750 Federal income taxes..................... 2,514 -193 -249 -273 -372 120 737 1,379 2,111 6,134 State and local income taxes............. 674 37 -13 52 36 149 322 540 676 1,375 Other taxes.............................. 134 e/ 48 e/ 11 12 27 48 76 157 129 240 Income after taxes......................... 56,911 -1,046 8,108 12,781 17,491 24,381 33,280 42,605 56,103 106,861 Net change in total assets and liabilities... -7,425 -2,084 3,959 -348 -3,379 -4,349 -2,429 -8,082 -10,663 -11,790 Net change in total assets............... 7,042 4,481 6,139 2,328 -200 4,408 4,366 1,643 2,452 15,855 Net change in total liabilities.......... 14,467 6,564 2,180 2,676 3,178 8,758 6,794 9,725 13,115 27,645 Other financial information: Other money receipts..................... 447 e/ 466 e/ 257 e/ 563 181 254 215 507 723 468 Mortgage principal paid on owned property................................ -1,853 -1,117 -256 -380 -629 -599 -923 -1,365 -1,713 -3,584 Estimated market value of owned home..... 111,588 57,906 38,404 29,676 35,985 42,953 66,706 81,173 112,112 201,638 Estimated monthly rental value of owned home.................................... 775 397 222 234 267 370 502 632 834 1,303 Gifts of goods and services................. 957 850 432 520 468 578 638 813 1,081 1,426 Food..................................... 59 89 e/ 1 e/ 27 44 24 18 25 89 95 Alcoholic beverages...................... 18 e/ 48 e/ 5 e/ 3 e/ 11 11 e/ 5 10 16 33 Housing.................................. 248 229 108 68 88 156 139 250 284 377 Housekeeping supplies.................. 48 e/ 33 e/ 14 e/ 9 18 36 22 51 72 67 Household textiles..................... 10 e/ 18 c/ e/ 1 c/ e/ 2 e/ 2 17 6 21 Appliances and miscellaneous housewares........................... 22 e/ 3 e/ 14 e/ 7 e/ 5 e/ 15 e/ 8 38 18 36 Major appliances..................... 6 d/ e/ 2 e/ 4 c/ e/ 4 e/ 4 e/ 17 6 5 Small appliances and miscellaneous housewares......................... 16 e/ 3 e/ 12 e/ 3 e/ 5 e/ 10 e/ 4 21 12 31 Miscellaneous household equipment...... 70 e/ 61 e/ 15 e/ 18 e/ 4 42 31 69 88 112 Other housing.......................... 97 114 65 34 60 61 76 75 99 142 Apparel and services..................... 238 328 169 85 129 83 297 151 264 335 Males, 2 and over...................... 61 126 e/ 70 31 33 25 62 41 65 81 Females, 2 and over.................... 83 156 e/ 66 e/ 17 e/ 28 15 111 39 93 123 Children under 2....................... 45 e/ 16 26 18 e/ 19 33 52 35 48 63 Other apparel products and services.... 50 e/ 30 e/ 6 e/ 19 e/ 48 e/ 10 71 35 58 69 Jewelry and watches.................. 21 e/ 5 e/ 6 e/ 17 e/ 3 e/ 7 26 14 10 38 All other apparel products and services............................ 29 e/ 25 c/ e/ 2 e/ 46 e/ 2 e/ 45 e/ 21 47 31 Transportation........................... 73 e/ 4 92 168 13 119 25 189 74 32 Health care.............................. 28 e/ 6 e/ 2 e/ 75 e/ 105 47 e/ 14 e/ 18 14 22 Entertainment............................ 81 e/ 20 e/ 34 42 37 42 66 63 102 122 Toys, games, hobbies, and tricycles.... 30 e/ 11 e/ 13 e/ 23 e/ 12 22 31 16 33 44 Other entertainment.................... 51 e/ 9 e/ 20 19 26 20 35 47 69 78 Personal care products and services...... 25 e/ 79 e/ 5 e/ 19 e/ 16 22 8 19 21 36 Reading.................................. 1 d/ c/ c/ d/ c/ c/ c/ 1 2 Education................................ 116 e/ 40 e/ 13 e/ 22 e/ 10 39 30 43 117 252 All other gifts.......................... 70 e/ 6 e/ 5 e/ 10 13 34 36 45 97 120 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.