Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 12,503 544 468 596 1,157 1,232 1,228 2,477 4,802 Income before taxes a/ ...................... $66,977 $5,916 $12,682 $17,279 $24,533 $34,383 $44,915 $59,544 $113,415 Income after taxes a/ ....................... 63,460 6,501 13,030 17,759 24,524 33,836 43,473 57,413 105,709 Age of the reference person.................. 40.7 37.3 40.2 37.0 39.7 39.8 40.1 40.5 42.4 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.6 2.1 1.8 1.9 1.7 1.6 1.6 1.6 1.6 Persons 65 and over......................... .1 b/ .1 b/ .1 .1 .1 .1 .1 Earners..................................... 2.0 1.2 1.4 1.4 1.7 1.9 2.0 2.1 2.3 Vehicles.................................... 2.6 1.3 1.6 1.6 1.9 2.3 2.5 2.8 3.1 Percent distribution: Male........................................ 56 24 35 41 46 49 60 61 63 Female...................................... 44 76 65 59 54 51 40 39 37 Homeowner................................... 74 38 40 30 45 64 73 84 92 With mortgage.............................. 62 27 20 18 29 49 60 69 82 Without mortgage........................... 13 11 20 12 16 15 13 14 10 Renter...................................... 26 62 60 70 55 36 27 16 8 Black....................................... 12 28 26 23 18 15 11 9 7 White and other............................. 88 72 74 77 82 85 89 91 93 Elementary (1-8)............................ 4 9 13 12 12 8 3 2 1 High school (9-12).......................... 36 64 62 62 55 47 41 35 20 College..................................... 59 27 23 24 33 45 55 62 79 Never attended and other.................... c/ c/ 1 1 1 c/ 1 c/ c/ At least one vehicle owned or leased........ 94 69 79 82 88 95 97 98 99 Average annual expenditures.................. $56,626 $25,468 $29,981 $26,879 $31,060 $38,498 $45,109 $55,479 $81,671 Food........................................ 7,691 4,901 5,963 4,815 5,075 5,955 7,268 8,212 9,859 Food at home............................. 4,494 3,490 4,010 3,594 3,441 3,890 4,602 4,665 5,209 Cereals and bakery products............ 680 466 575 526 511 599 659 750 790 Cereals and cereal products.......... 238 208 222 206 180 209 266 250 260 Bakery products...................... 442 258 354 320 332 391 393 500 531 Meats, poultry, fish, and eggs......... 1,155 1,102 1,347 1,060 966 1,002 1,191 1,128 1,262 Beef................................. 347 361 380 299 311 317 351 331 379 Pork................................. 250 245 340 267 196 225 252 258 254 Other meats.......................... 150 120 204 138 131 125 179 144 158 Poultry.............................. 207 173 178 191 164 174 210 236 226 Fish and seafood..................... 155 161 203 125 113 116 152 116 201 Eggs................................. 45 42 42 41 51 46 48 43 44 Dairy products......................... 498 341 323 390 384 430 535 537 582 Fresh milk and cream................. 205 159 157 170 189 193 220 219 219 Other dairy products................. 293 182 166 220 195 237 315 319 363 Fruits and vegetables.................. 733 589 648 646 577 617 718 720 873 Fresh fruits......................... 223 183 180 189 175 180 203 209 282 Fresh vegetables..................... 222 184 204 204 188 172 200 211 271 Processed fruits..................... 169 125 147 139 130 156 156 174 200 Processed vegetables................. 119 97 117 114 85 110 159 126 120 Other food at home..................... 1,428 992 1,116 972 1,002 1,242 1,499 1,530 1,701 Sugar and other sweets............... 177 129 136 150 121 142 180 171 224 Fats and oils........................ 119 118 126 107 77 110 126 126 130 Miscellaneous foods.................. 698 481 559 421 513 621 761 743 827 Nonalcoholic beverages............... 378 252 273 279 273 326 392 434 437 Food prepared by consumer unit on out-of-town trips................... 55 d/ 12 d/ 22 d/ 15 18 43 41 55 83 Food away from home.................... 3,197 1,410 1,953 1,221 1,634 2,064 2,666 3,547 4,650 Alcoholic beverages......................... 409 189 113 198 243 218 344 349 672 Housing..................................... 18,021 9,481 9,584 9,129 10,559 12,515 13,373 16,876 26,063 Shelter.................................. 10,395 5,511 5,320 5,274 6,156 7,100 7,430 9,647 15,089 Owned dwellings........................ 7,927 2,579 2,325 1,373 2,470 4,169 4,972 7,723 13,032 Mortgage interest and charges........ 5,132 1,588 892 738 1,479 2,619 3,400 5,001 8,528 Property taxes....................... 1,632 566 414 355 596 891 894 1,636 2,658 Maintenance, repairs, insurance,other expenses............................ 1,162 425 1,019 281 395 660 678 1,086 1,846 Rented dwellings....................... 1,929 2,860 2,952 3,777 3,566 2,728 2,256 1,486 1,040 Other lodging.......................... 539 d/ 71 d/ 43 d/ 124 120 203 202 438 1,018 Utilities, fuels, and public services.... 3,469 2,472 2,412 2,350 2,783 3,111 3,132 3,495 4,154 Natural gas............................ 462 302 264 262 343 440 398 439 588 Electricity............................ 1,252 1,054 927 967 1,096 1,183 1,132 1,272 1,417 Fuel oil and other fuels............... 119 d/ 38 d/ 93 d/ 78 66 108 79 130 155 Telephone services..................... 1,201 841 871 768 965 1,013 1,121 1,202 1,452 Water and other public services........ 435 237 256 275 313 367 401 452 542 Household operations..................... 1,310 261 308 276 479 623 669 1,056 2,326 Personal services...................... 825 125 197 179 312 370 439 684 1,457 Other household expenses............... 485 136 111 97 167 253 229 372 869 Housekeeping supplies.................... 779 414 444 465 404 558 695 962 1,033 Laundry and cleaning supplies.......... 202 186 157 166 132 188 235 233 214 Other household products............... 416 171 228 241 219 261 333 556 560 Postage and stationery................. 161 d/ 56 59 58 53 109 127 173 259 Household furnishings and equipment...... 2,067 824 1,100 764 736 1,123 1,448 1,716 3,461 Household textiles..................... 164 d/ 56 59 114 57 94 121 96 295 Furniture.............................. 572 244 462 258 226 333 318 389 963 Floor coverings........................ 54 d/ 51 d/ 63 d/ 34 d/ 16 25 26 33 91 Major appliances....................... 252 109 124 92 84 189 125 293 374 Small appliances, miscellaneous housewares............................ 118 18 58 81 53 58 81 84 209 Miscellaneous household equipment...... 906 347 333 186 300 424 777 821 1,529 Apparel and services........................ 2,552 1,659 1,923 1,593 1,355 1,979 1,957 2,463 3,595 Men and boys............................. 682 257 485 413 330 532 551 644 991 Men, 16 and over....................... 467 107 288 221 208 378 396 430 702 Boys, 2 to 15.......................... 216 150 197 192 122 155 155 215 289 Women and girls.......................... 927 557 722 520 467 606 699 951 1,356 Women, 16 and over..................... 643 441 469 268 311 392 451 682 966 Girls, 2 to 15......................... 285 116 253 252 156 214 248 269 389 Children under 2......................... 169 89 146 145 138 237 149 157 183 Footwear................................. 480 562 420 355 227 446 384 522 587 Other apparel products and services...... 293 195 150 161 193 157 174 189 478 Transportation.............................. 11,099 4,470 7,193 6,325 6,434 7,903 9,957 11,685 14,780 Vehicle purchases (net outlay)........... 5,422 d/ 2,062 4,154 3,831 3,076 3,650 5,008 5,954 6,976 Cars and trucks, new................... 2,382 d/ 806 d/ 544 d/ 583 d/ 544 d/ 1,029 2,624 2,432 3,665 Cars and trucks, used.................. 2,929 1,148 3,611 3,248 2,467 2,602 2,384 3,440 3,095 Other vehicles......................... 111 d/ 107 e/ e/ d/ 65 d/ 19 e/ d/ 82 215 Gasoline and motor oil................... 1,802 906 1,130 1,082 1,310 1,503 1,795 1,864 2,225 Other vehicle expenses................... 3,419 1,340 1,746 1,172 1,864 2,483 2,858 3,496 4,837 Vehicle finance charges................ 580 179 278 186 306 500 571 648 757 Maintenance and repairs................ 946 435 536 340 627 701 849 944 1,305 Vehicle insurance...................... 1,168 499 725 522 687 964 1,053 1,188 1,554 Vehicle rental, leases, licenses, other charges.............................. 724 227 208 123 243 318 385 716 1,220 Public transportation.................... 456 162 163 241 183 266 296 371 743 Health care................................. 2,452 938 992 793 1,480 2,093 2,596 2,777 3,106 Health insurance......................... 1,184 445 501 348 619 1,075 1,327 1,345 1,484 Medical services......................... 748 234 194 218 451 568 772 897 963 Drugs.................................... 411 224 262 190 360 360 401 421 506 Medical supplies......................... 108 d/ 35 d/ 35 d/ 37 49 90 96 113 153 Entertainment............................... 2,988 1,246 1,339 959 1,330 1,782 2,037 2,816 4,698 Fees and admissions...................... 829 292 183 161 181 308 421 747 1,472 Television, radios, sound equipment...... 938 530 505 489 608 742 739 963 1,254 Pets, toys, and playground equipment..... 531 258 240 187 281 326 459 547 775 Other entertainment supplies, equipment,and services.................. 691 165 410 121 260 406 417 558 1,198 Personal care products and services......... 698 425 482 391 476 524 590 712 928 Reading..................................... 161 53 45 51 70 83 122 153 254 Education................................... 1,106 361 580 339 228 423 587 945 1,947 Tobacco products and smoking supplies....... 371 329 340 421 509 459 476 370 290 Miscellaneous............................... 978 483 226 336 633 630 646 744 1,573 Cash contributions.......................... 1,305 470 339 251 504 832 998 1,324 2,008 Personal insurance and pensions............. 6,796 462 860 1,278 2,164 3,102 4,156 6,054 11,898 Life and other personal insurance........ 560 192 169 145 295 293 366 476 916 Pensions and Social Security............. 6,236 270 691 1,132 1,870 2,810 3,791 5,578 10,981 Sources of income and personal taxes: a/ Money income before taxes.................. 66,977 5,916 12,682 17,279 24,533 34,383 44,915 59,544 113,415 Wages and salaries....................... 60,128 3,018 8,245 13,312 20,495 29,953 40,344 55,416 102,244 Self-employment income................... 3,551 98 d/ 186 496 697 1,320 1,611 1,621 7,401 Social Security, private and government retirement................... 1,604 524 1,875 1,434 1,834 1,755 2,016 1,466 1,593 Interest, dividends, rental income, other property income................... 676 d/ 12 d/ 17 d/ -6 158 197 151 423 1,414 Unemployment and workers'' compensation, veterans'' benefits..................... 252 d/ 95 d/ 183 d/ 213 338 281 391 288 199 Public assistance, supplemental security, income, food stamps..................... 335 1,681 1,810 1,204 462 277 d/ 68 54 129 Regular contributions for support........ 345 342 328 495 454 450 213 226 370 Other income............................. 84 d/ 146 d/ 39 d/ 131 94 150 d/ 121 50 64 Personal taxes............................. 3,517 -586 -348 -480 9 547 1,442 2,131 7,706 Federal income taxes..................... 2,640 -568 -411 -549 -145 257 988 1,486 5,997 State and local income taxes............. 701 -30 62 39 111 213 353 523 1,377 Other taxes.............................. 175 d/ 12 d/ 1 d/ 30 43 78 101 122 332 Income after taxes......................... 63,460 6,501 13,030 17,759 24,524 33,836 43,473 57,413 105,709 Net change in total assets and liabilities... -9,205 -4,675 -4,314 -2,029 -5,013 -3,712 767 -9,705 -15,798 Net change in total assets............... 6,883 3,291 -1,264 1,670 854 4,596 11,384 3,414 11,409 Net change in total liabilities.......... 16,089 7,966 3,050 3,700 5,868 8,308 10,617 13,120 27,207 Other financial information: Other money receipts..................... 293 d/ 239 d/ 50 d/ 34 46 36 335 336 446 Mortgage principal paid on owned property................................ -2,288 -493 -599 -386 -502 -1,074 -1,294 -1,830 -4,125 Estimated market value of owned home..... 135,094 47,111 38,645 31,481 48,292 71,116 85,406 124,877 222,619 Estimated monthly rental value of owned home.................................... 887 339 282 237 363 527 655 910 1,356 Gifts of goods and services................. 1,026 435 710 482 346 695 572 1,041 1,596 Food..................................... 76 d/ 43 d/ 13 66 d/ 16 101 22 62 119 Alcoholic beverages...................... 19 d/ 17 e/ d/ 14 d/ 9 d/ 13 d/ 1 d/ 10 38 Housing.................................. 274 102 51 90 107 184 248 331 393 Housekeeping supplies.................. 53 d/ 20 d/ 8 31 d/ 15 35 49 89 65 Household textiles..................... 15 d/ 3 d/ 2 d/ 1 e/ d/ 10 d/ 19 14 25 Appliances and miscellaneous housewares........................... 20 d/ 2 d/ 8 d/ 2 d/ 6 d/ 5 d/ 39 13 33 Major appliances..................... 6 c/ d/ 1 e/ d/ 5 d/ 1 e/ d/ 2 12 Small appliances and miscellaneous housewares......................... 15 d/ 2 d/ 7 d/ 2 d/ 1 d/ 4 d/ 39 11 20 Miscellaneous household equipment...... 59 d/ 24 d/ 18 d/ 8 16 38 39 88 86 Other housing.......................... 127 d/ 53 d/ 16 48 70 96 101 126 184 Apparel and services..................... 256 151 203 174 81 192 129 237 405 Males, 2 and over...................... 75 d/ 39 d/ 86 d/ 28 10 77 20 60 127 Females, 2 and over.................... 71 42 d/ 39 d/ 23 d/ 10 32 23 60 137 Children under 2....................... 67 42 d/ 49 57 52 69 65 60 80 Other apparel products and services.... 44 d/ 29 d/ 29 d/ 66 d/ 9 d/ 15 d/ 20 58 61 Jewelry and watches.................. 10 d/ 7 d/ 4 d/ 2 d/ 5 d/ 9 d/ 6 9 15 All other apparel products and services............................ 34 d/ 22 d/ 25 d/ 64 d/ 3 d/ 6 d/ 15 d/ 49 46 Transportation........................... 59 d/ 5 d/ 324 26 43 12 3 108 49 Health care.............................. 19 d/ 1 d/ 4 d/ 9 d/ 16 d/ 27 d/ 5 d/ 15 27 Entertainment............................ 76 d/ 23 d/ 49 d/ 51 30 54 50 83 112 Toys, games, hobbies, and tricycles.... 24 d/ 18 d/ 10 d/ 16 13 18 20 17 36 Other entertainment.................... 52 d/ 5 d/ 39 d/ 35 17 36 30 66 76 Personal care products and services...... 17 d/ 7 d/ 8 d/ 5 d/ 7 d/ 3 11 23 27 Reading.................................. 1 e/ e/ c/ d/ 1 d/ 1 c/ 1 1 Education................................ 185 78 d/ 29 d/ 26 d/ 7 70 90 137 356 All other gifts.......................... 42 d/ 8 30 22 29 37 13 33 67 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 Data are likely to have large sampling errors. e No data reported. n.a. Not applicable.