Table 29. Consumer units with reference person age 55 to 64 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)...... 12,087 370 904 932 754 1,452 1,526 1,295 1,950 2,904 Income before taxes a/ ...................... $52,569 $1,791 $7,664 $12,477 $17,231 $24,699 $34,833 $44,447 $58,918 $117,653 Income after taxes a/ ....................... 49,391 1,621 7,434 12,374 16,705 23,956 33,459 42,178 56,075 108,702 Age of the reference person.................. 59.2 59.5 60.0 60.1 60.0 59.5 59.4 58.8 58.9 58.4 Average number in consumer unit: Persons..................................... 2.1 1.7 1.5 1.8 1.8 2.0 2.0 2.2 2.3 2.5 Children under 18........................... .2 b/ .1 .2 .2 .1 .2 .2 .2 .2 .2 Persons 65 and over......................... .1 b/ .1 c/ .1 .1 .1 .1 .1 .1 .1 Earners..................................... 1.3 .7 .4 .7 .8 1.1 1.3 1.5 1.6 2.0 Vehicles.................................... 2.3 1.6 1.1 1.5 1.8 1.9 2.2 2.3 2.6 3.0 Percent distribution: Male........................................ 54 33 34 45 44 44 53 55 60 70 Female...................................... 46 67 66 55 56 56 47 45 40 30 Homeowner................................... 80 65 55 64 72 75 80 83 88 93 With mortgage.............................. 42 25 21 23 27 33 41 47 50 60 Without mortgage........................... 38 39 34 41 45 42 39 36 39 33 Renter...................................... 20 35 45 36 28 25 20 17 12 7 Black....................................... 11 13 21 17 18 15 12 9 7 5 White and other............................. 89 87 79 83 82 85 88 91 93 95 Elementary (1-8)............................ 6 9 19 9 11 11 4 6 2 2 High school (9-12).......................... 40 40 55 56 58 48 45 45 33 20 College..................................... 54 50 25 34 30 42 52 49 65 78 Never attended and other.................... d/ 1 1 e/ d/ e/ e/ d/ e/ e/ At least one vehicle owned or leased........ 92 77 67 80 88 94 96 96 98 99 Average annual expenditures.................. $45,107 $26,777 $17,878 $22,267 $29,323 $30,319 $38,619 $41,368 $51,160 $75,718 Food........................................ 5,715 3,882 2,945 3,460 3,753 4,007 5,111 5,367 6,316 8,930 Food at home............................. 3,258 2,697 2,036 2,293 2,497 2,762 3,248 3,155 3,489 4,360 Cereals and bakery products............ 456 404 285 322 362 400 434 414 480 621 Cereals and cereal products.......... 138 164 98 100 133 116 130 132 138 177 Bakery products...................... 319 241 187 222 229 284 305 282 342 444 Meats, poultry, fish, and eggs......... 850 718 589 638 663 710 898 881 881 1,088 Beef................................. 239 165 141 176 202 195 255 253 279 294 Pork................................. 188 239 169 170 153 169 206 159 169 228 Other meats.......................... 102 69 56 71 106 94 120 77 112 128 Poultry.............................. 147 121 92 120 110 116 165 126 176 185 Fish and seafood..................... 139 97 101 69 66 102 109 229 111 217 Eggs................................. 34 27 31 32 27 34 42 36 34 36 Dairy products......................... 343 259 205 216 276 312 345 332 381 448 Fresh milk and cream................. 131 103 104 108 113 131 138 120 138 150 Other dairy products................. 212 156 101 108 163 181 207 213 243 298 Fruits and vegetables.................. 589 576 346 399 459 478 590 569 615 809 Fresh fruits......................... 192 197 116 116 145 142 193 187 203 274 Fresh vegetables..................... 195 186 110 126 161 155 188 175 219 267 Processed fruits..................... 116 99 68 88 90 95 124 103 108 163 Processed vegetables................. 86 93 52 69 62 86 84 104 85 105 Other food at home..................... 1,019 741 611 718 738 863 981 959 1,132 1,394 Sugar and other sweets............... 133 78 94 95 80 124 119 111 152 183 Fats and oils........................ 93 90 60 78 84 74 98 83 96 119 Miscellaneous foods.................. 459 314 255 283 317 397 446 486 510 629 Nonalcoholic beverages............... 277 218 184 227 223 229 261 244 314 363 Food prepared by consumer unit on out-of-town trips................... 57 b/ 42 b/ 17 35 34 39 57 36 61 100 Food away from home.................... 2,457 1,184 909 1,167 1,255 1,246 1,863 2,211 2,827 4,570 Alcoholic beverages......................... 410 305 155 136 190 208 330 386 349 833 Housing..................................... 13,629 9,768 6,501 7,643 9,569 9,364 11,576 12,219 15,702 21,798 Shelter.................................. 7,421 4,765 3,527 4,144 5,377 4,786 6,213 6,402 7,865 12,663 Owned dwellings........................ 5,339 2,945 1,855 2,255 3,405 2,790 4,295 4,508 5,774 10,122 Mortgage interest and charges........ 2,619 1,334 685 855 1,301 1,211 2,180 2,110 2,856 5,297 Property taxes....................... 1,440 1,018 653 729 1,055 829 1,027 1,250 1,476 2,648 Maintenance, repairs, insurance,other expenses............................ 1,280 593 517 671 1,049 750 1,087 1,149 1,443 2,177 Rented dwellings....................... 1,302 1,377 1,493 1,729 1,590 1,669 1,433 1,497 1,185 760 Other lodging.......................... 780 443 179 160 381 327 485 396 907 1,780 Utilities, fuels, and public services.... 2,960 2,566 1,842 2,158 2,365 2,634 2,820 2,943 3,184 3,862 Natural gas............................ 397 349 217 254 314 355 375 397 438 532 Electricity............................ 1,100 982 790 901 934 994 1,046 1,118 1,175 1,341 Fuel oil and other fuels............... 134 b/ 139 b/ 61 88 121 140 148 118 114 183 Telephone services..................... 955 784 565 633 723 824 919 962 1,017 1,301 Water and other public services........ 374 312 209 281 272 322 332 348 440 504 Household operations..................... 546 560 165 232 277 298 342 447 536 1,114 Personal services...................... 92 b/ 257 b/ 12 b/ 25 b/ 38 b/ 66 b/ 46 b/ 75 68 192 Other household expenses............... 453 304 154 207 239 231 296 372 468 922 Housekeeping supplies.................... 842 392 344 313 452 523 650 709 2,028 902 Laundry and cleaning supplies.......... 161 94 120 83 155 137 214 144 168 197 Other household products............... 506 189 145 146 201 238 305 343 1,618 465 Postage and stationery................. 175 109 79 83 96 148 131 221 242 239 Household furnishings and equipment...... 1,860 1,485 622 795 1,099 1,123 1,552 1,719 2,088 3,257 Household textiles..................... 191 b/ 25 51 34 230 101 124 188 179 368 Furniture.............................. 404 334 148 138 201 230 248 312 436 820 Floor coverings........................ 54 b/ 72 b/ 3 b/ 56 b/ 61 29 18 9 38 128 Major appliances....................... 216 b/ 70 72 167 160 142 152 284 242 331 Small appliances, miscellaneous housewares............................ 142 481 35 40 59 173 84 104 167 208 Miscellaneous household equipment...... 853 503 313 360 389 447 926 822 1,026 1,403 Apparel and services........................ 1,810 990 553 826 823 1,168 1,390 1,608 1,958 3,377 Men and boys............................. 373 182 114 142 208 255 303 373 452 640 Men, 16 and over....................... 337 b/ 169 97 118 162 216 278 345 410 592 Boys, 2 to 15.......................... 36 b/ 13 17 24 47 39 25 28 42 48 Women and girls.......................... 813 485 245 317 332 577 635 675 883 1,510 Women, 16 and over..................... 760 445 196 273 279 530 578 636 805 1,461 Girls, 2 to 15......................... 53 b/ 39 49 44 54 47 57 39 78 50 Children under 2......................... 54 51 15 16 27 31 53 61 62 92 Footwear................................. 302 b/ 204 b/ 76 247 134 152 245 297 291 557 Other apparel products and services...... 267 68 103 104 122 154 153 202 270 577 Transportation.............................. 8,457 5,079 3,678 4,068 5,574 6,406 8,256 8,556 10,134 12,481 Vehicle purchases (net outlay)........... 3,916 b/ 2,588 b/ 1,897 b/ 1,671 b/ 2,777 3,150 4,392 4,136 4,880 5,119 Cars and trucks, new................... 2,101 b/ 1,607 b/ 516 b/ 734 b/ 1,550 1,480 2,762 2,128 2,297 3,057 Cars and trucks, used.................. 1,759 b/ 981 1,381 937 1,227 1,670 1,586 1,978 2,545 1,886 Other vehicles......................... b/ 57 e/ e/ e/ e/ e/ b/ 44 b/ 30 b/ 38 b/ 176 Gasoline and motor oil................... 1,334 771 552 755 978 1,026 1,329 1,378 1,583 1,899 Other vehicle expenses................... 2,664 1,396 1,013 1,419 1,621 2,041 2,211 2,631 3,066 4,293 Vehicle finance charges................ 367 153 147 184 224 325 363 361 406 559 Maintenance and repairs................ 780 529 346 442 396 659 642 805 907 1,178 Vehicle insurance...................... 965 396 408 533 741 792 834 1,006 1,133 1,433 Vehicle rental, leases, licenses, other charges.............................. 552 318 112 260 259 265 372 458 620 1,123 Public transportation.................... 542 323 215 224 199 190 324 411 605 1,171 Health care................................. 2,893 2,908 1,438 2,246 2,504 2,564 2,846 2,865 3,044 3,760 Health insurance......................... 1,281 750 806 978 1,150 1,251 1,373 1,154 1,363 1,595 Medical services......................... 828 1,587 218 516 663 576 658 794 854 1,277 Drugs.................................... 635 369 336 676 593 661 635 773 610 708 Medical supplies......................... 149 b/ 201 76 76 98 76 180 144 217 180 Entertainment............................... 2,508 974 714 831 2,832 1,465 1,895 1,850 3,186 4,379 Fees and admissions...................... 610 305 134 146 217 198 351 405 654 1,452 Television, radios, sound equipment...... 699 385 350 441 500 571 649 705 756 1,030 Pets, toys, and playground equipment..... 438 178 133 199 279 274 400 524 546 689 Other entertainment supplies, equipment,and services.................. 760 105 96 44 1,837 422 494 215 1,230 1,209 Personal care products and services......... 598 349 241 285 384 440 727 568 680 884 Reading..................................... 190 123 85 103 88 109 145 186 226 329 Education................................... 493 b/ 30 b/ 30 b/ 77 127 95 210 381 399 1,382 Tobacco products and smoking supplies....... 362 234 302 365 333 365 350 459 441 312 Miscellaneous............................... 937 562 248 461 818 611 952 1,049 888 1,542 Cash contributions.......................... 1,575 909 442 408 708 908 1,414 1,068 1,925 3,022 Personal insurance and pensions............. 5,529 663 547 1,357 1,619 2,610 3,417 4,807 5,910 12,688 Life and other personal insurance........ 658 537 361 572 281 365 573 552 668 1,125 Pensions and Social Security............. 4,871 126 186 785 1,338 2,245 2,845 4,255 5,241 11,564 Sources of income and personal taxes: a/ Money income before taxes.................. 52,569 1,791 7,664 12,477 17,231 24,699 34,833 44,447 58,918 117,653 Wages and salaries....................... 39,646 873 1,385 4,166 7,756 15,512 23,671 33,904 44,505 95,907 Self-employment income................... 3,056 b/ -569 245 367 795 581 1,324 1,216 2,361 9,278 Social Security, private and government retirement................... 7,265 876 4,198 6,186 6,911 7,528 7,996 7,407 9,883 7,134 Interest, dividends, rental income, other property income................... 1,467 -6 118 219 351 329 941 775 1,294 4,033 Unemployment and workers'' compensation, veterans'' benefits..................... 332 b/ 114 b/ 60 b/ 187 b/ 295 278 287 429 427 444 Public assistance, supplemental security, income, food stamps..................... 448 266 1,440 1,131 928 166 378 222 315 188 Regular contributions for support........ 284 b/ 135 b/ 120 b/ 127 b/ 132 272 b/ 163 461 b/ 109 551 Other income............................. 71 b/ 102 b/ 97 93 b/ 63 b/ 33 74 b/ 33 b/ 25 119 Personal taxes............................. 3,179 170 230 102 526 744 1,374 2,269 2,843 8,951 Federal income taxes..................... 2,378 25 123 -1 275 442 919 1,623 2,137 6,921 State and local income taxes............. 586 -3 40 30 62 147 246 476 505 1,646 Other taxes.............................. 215 b/ 149 67 73 189 154 209 170 202 384 Income after taxes......................... 49,391 1,621 7,434 12,374 16,705 23,956 33,459 42,178 56,075 108,702 Net change in total assets and liabilities... -5,662 1,611 451 992 -4,344 -879 -8,477 109 -8,866 -12,300 Net change in total assets............... 2,544 2,390 4,350 2,478 -2,404 1,692 1,433 7,855 -1,195 4,460 Net change in total liabilities.......... 8,206 779 3,899 1,486 1,939 2,572 9,910 7,746 7,671 16,760 Other financial information: Other money receipts..................... 1,073 b/ 1,157 129 539 b/ 212 673 283 4,878 767 875 Mortgage principal paid on owned property................................ -1,839 -1,066 -422 -845 -656 -827 -1,691 -1,473 -1,818 -3,767 Estimated market value of owned home..... 130,140 103,852 59,783 71,783 96,418 76,634 99,100 95,151 144,587 231,812 Estimated monthly rental value of owned home.................................... 842 707 430 498 653 557 715 717 933 1,352 Gifts of goods and services................. 1,571 718 370 422 616 847 1,101 1,149 1,451 3,521 Food..................................... 141 b/ 50 b/ 9 20 b/ 28 42 67 74 120 395 Alcoholic beverages...................... 13 b/ 9 b/ 9 b/ 9 b/ 1 b/ 12 6 b/ 3 27 16 Housing.................................. 384 244 145 103 127 302 253 377 379 747 Housekeeping supplies.................. 67 b/ 40 b/ 20 b/ 23 28 46 32 72 86 119 Household textiles..................... 28 b/ 7 b/ 2 b/ 5 b/ 11 b/ 2 b/ 3 b/ 18 52 62 Appliances and miscellaneous housewares........................... 55 b/ 105 b/ 14 b/ 10 b/ 7 75 23 b/ 50 53 97 Major appliances..................... 23 e/ e/ b/ 4 b/ 5 34 b/ 7 b/ 9 22 52 Small appliances and miscellaneous housewares......................... 32 b/ 105 b/ 14 b/ 6 b/ 2 b/ 41 b/ 16 b/ 41 31 45 Miscellaneous household equipment...... 104 49 27 16 22 79 102 149 116 173 Other housing.......................... 131 b/ 43 82 48 b/ 58 100 94 89 72 296 Apparel and services..................... 378 113 80 142 109 309 250 237 348 801 Males, 2 and over...................... 87 b/ 22 18 26 17 110 69 57 108 147 Females, 2 and over.................... 163 b/ 38 39 60 43 139 108 70 83 393 Children under 2....................... 48 51 9 13 25 18 35 58 61 86 Other apparel products and services.... 80 b/ 3 b/ 14 b/ 44 b/ 23 42 38 52 96 175 Jewelry and watches.................. 29 b/ 3 b/ 4 b/ 10 b/ 16 b/ 6 15 b/ 9 25 79 All other apparel products and services............................ 51 e/ b/ 9 b/ 34 b/ 7 b/ 36 b/ 23 b/ 43 b/ 71 97 Transportation........................... 93 18 b/ 47 b/ 2 d/ 6 43 19 151 233 Health care.............................. 62 b/ 32 b/ 6 b/ 1 b/ 5 b/ 15 b/ 22 b/ 58 38 179 Entertainment............................ 99 b/ 61 41 43 37 83 83 102 104 169 Toys, games, hobbies, and tricycles.... 52 b/ 20 24 23 b/ 17 41 45 42 66 90 Other entertainment.................... 47 b/ 42 18 20 20 42 37 60 39 79 Personal care products and services...... 40 b/ 51 b/ 7 b/ 14 b/ 27 34 b/ 154 b/ 8 32 34 Reading.................................. 2 b/ 3 b/ 2 d/ d/ 1 2 2 3 3 Education................................ 223 b/ 15 b/ 7 b/ 23 b/ 82 b/ 7 104 160 121 684 All other gifts.......................... 136 121 16 64 199 36 119 108 128 259 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 0.05. d Value less than 0.5. e No data reported. n.a. Not applicable.