Table 38. Consumer units of three persons 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)...... 13,706 318 522 880 775 1,635 1,628 1,403 2,433 4,112 Income before taxes a/ ...................... $58,310 $1,679 $7,906 $12,498 $17,214 $24,879 $34,590 $44,446 $59,118 $113,581 Income after taxes a/ ....................... 55,359 961 8,059 12,920 17,340 24,694 33,859 43,016 56,403 106,123 Age of the reference person.................. 43.7 39.6 40.9 42.2 44.0 43.3 44.1 43.5 43.6 44.9 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 1.2 1.2 1.2 1.0 .8 .8 .8 .7 .6 Persons 65 and over......................... .2 b/ .1 .2 .2 .3 .3 .2 .2 .1 .1 Earners..................................... 1.8 1.2 1.0 1.1 1.3 1.5 1.7 1.8 2.0 2.2 Vehicles.................................... 2.4 1.3 1.1 1.2 1.7 1.8 2.2 2.4 2.6 3.1 Percent distribution: Male........................................ 51 26 22 24 36 41 52 55 58 63 Female...................................... 49 74 78 76 64 59 48 45 42 37 Homeowner................................... 68 36 34 36 44 54 62 69 77 89 With mortgage.............................. 49 24 19 12 25 32 38 47 57 74 Without mortgage........................... 19 12 15 24 19 22 24 22 20 15 Renter...................................... 32 64 66 64 56 46 38 31 23 11 Black....................................... 15 36 35 30 20 21 14 17 12 7 White and other............................. 85 64 65 70 80 79 86 83 88 93 Elementary (1-8)............................ 5 6 12 8 15 11 6 5 2 1 High school (9-12).......................... 39 51 61 66 52 48 45 44 36 22 College..................................... 55 40 26 25 31 40 49 51 62 77 Never attended and other.................... c/ 2 c/ 1 2 1 d/ d/ c/ d/ At least one vehicle owned or leased........ 93 65 66 72 82 93 95 97 99 98 Average annual expenditures.................. $49,370 $28,861 $23,197 $23,620 $27,976 $31,242 $38,416 $41,425 $51,884 $76,600 Food........................................ 6,680 5,396 5,252 4,488 4,736 5,011 5,565 6,199 7,067 8,845 Food at home............................. 3,925 3,328 3,935 3,288 3,481 3,311 3,583 3,730 4,005 4,589 Cereals and bakery products............ 555 410 537 509 520 455 493 530 568 654 Cereals and cereal products.......... 195 180 224 186 212 166 177 177 195 216 Bakery products...................... 360 230 313 323 308 288 315 353 373 438 Meats, poultry, fish, and eggs......... 1,063 903 1,162 955 1,044 966 1,057 920 1,044 1,191 Beef................................. 312 230 260 276 329 275 331 235 303 371 Pork................................. 231 214 353 221 230 216 221 214 222 240 Other meats.......................... 135 138 137 111 118 122 126 109 141 156 Poultry.............................. 196 158 170 190 190 186 175 201 203 211 Fish and seafood..................... 145 129 195 118 132 126 157 119 126 172 Eggs................................. 43 34 48 39 44 41 47 42 48 41 Dairy products......................... 422 356 412 307 353 345 377 442 433 500 Fresh milk and cream................. 168 150 171 146 169 149 168 184 161 179 Other dairy products................. 254 206 241 161 184 195 209 258 272 321 Fruits and vegetables.................. 662 582 571 594 595 557 626 633 663 775 Fresh fruits......................... 201 195 164 165 173 162 190 197 202 240 Fresh vegetables..................... 208 168 153 221 169 173 209 204 203 245 Processed fruits..................... 141 147 137 119 130 124 130 125 146 163 Processed vegetables................. 112 72 117 89 122 99 97 106 113 128 Other food at home..................... 1,222 1,077 1,253 924 968 989 1,030 1,204 1,297 1,468 Sugar and other sweets............... 135 141 145 136 98 109 101 143 136 162 Fats and oils........................ 107 99 118 122 90 89 93 101 120 117 Miscellaneous foods.................. 618 479 696 405 472 524 515 617 686 726 Nonalcoholic beverages............... 319 334 290 249 299 242 293 317 315 383 Food prepared by consumer unit on out-of-town trips................... 43 b/ 24 b/ 4 13 b/ 10 25 28 27 39 81 Food away from home.................... 2,754 2,068 1,318 1,200 1,255 1,700 1,982 2,469 3,061 4,257 Alcoholic beverages......................... 401 362 86 109 109 274 216 304 362 735 Housing..................................... 15,271 9,873 8,043 7,884 9,702 10,390 11,920 12,656 15,269 23,388 Shelter.................................. 8,672 5,469 4,396 4,368 5,451 5,656 6,649 6,852 8,507 13,711 Owned dwellings........................ 5,898 2,516 1,579 1,192 2,411 2,582 3,598 4,222 5,822 11,219 Mortgage interest and charges........ 3,640 1,700 942 520 1,201 1,472 2,072 2,641 3,671 7,065 Property taxes....................... 1,267 628 418 374 664 587 749 794 1,192 2,410 Maintenance, repairs, insurance,other expenses............................ 991 188 219 298 546 523 778 786 959 1,743 Rented dwellings....................... 2,289 2,680 2,746 3,063 2,789 2,894 2,851 2,433 2,243 1,454 Other lodging.......................... 485 b/ 273 b/ 71 113 251 179 199 197 442 1,038 Utilities, fuels, and public services.... 3,153 2,626 2,259 2,346 2,351 2,814 2,803 3,014 3,249 3,896 Natural gas............................ 414 256 295 330 246 351 365 346 392 570 Electricity............................ 1,138 1,032 999 949 908 1,090 1,053 1,160 1,178 1,270 Fuel oil and other fuels............... 98 b/ 43 b/ 46 b/ 51 b/ 59 122 104 58 87 133 Telephone services..................... 1,136 1,034 689 779 848 955 998 1,089 1,205 1,434 Water and other public services........ 367 260 230 237 291 296 282 360 386 489 Household operations..................... 971 287 265 274 480 562 713 783 958 1,692 Personal services...................... 572 b/ 98 184 144 251 345 461 528 613 935 Other household expenses............... 399 189 81 130 228 217 252 255 345 757 Housekeeping supplies.................... 626 595 383 388 412 463 455 622 705 838 Laundry and cleaning supplies.......... 174 185 149 131 152 142 161 165 191 202 Other household products............... 293 204 170 158 202 188 197 292 325 422 Postage and stationery................. 159 207 63 99 59 133 97 164 190 214 Household furnishings and equipment...... 1,849 896 740 508 1,008 896 1,301 1,385 1,850 3,252 Household textiles..................... 147 115 b/ 35 33 149 73 116 109 123 253 Furniture.............................. 435 92 219 164 194 241 305 310 511 719 Floor coverings........................ 43 b/ 24 b/ 11 b/ 8 b/ 11 12 21 29 51 85 Major appliances....................... 194 b/ 67 126 138 133 94 149 176 180 309 Small appliances, miscellaneous housewares............................ 119 102 41 31 50 65 83 76 121 213 Miscellaneous household equipment...... 910 496 309 133 470 411 628 685 863 1,673 Apparel and services........................ 2,320 2,266 1,030 1,634 1,785 1,359 1,670 2,133 2,319 3,441 Men and boys............................. 555 385 247 344 446 261 364 443 576 892 Men, 16 and over....................... 437 b/ 209 161 140 298 181 289 347 459 758 Boys, 2 to 15.......................... 117 177 86 204 148 80 75 95 118 134 Women and girls.......................... 917 1,062 401 618 663 575 642 961 937 1,293 Women, 16 and over..................... 765 977 328 451 438 432 478 790 823 1,130 Girls, 2 to 15......................... 152 85 72 168 225 143 164 172 114 163 Children under 2......................... 158 118 89 96 147 106 141 155 171 206 Footwear................................. 385 499 b/ 124 411 376 228 339 380 369 504 Other apparel products and services...... 305 200 169 165 154 188 184 194 265 546 Transportation.............................. 10,049 5,225 4,998 4,987 5,423 6,453 9,118 8,165 11,285 14,725 Vehicle purchases (net outlay)........... 4,885 b/ 2,825 3,121 2,946 2,562 3,120 5,019 3,167 5,615 6,923 Cars and trucks, new................... 2,023 b/ 286 b/ 1,071 b/ 634 b/ 925 1,001 1,681 1,107 2,096 3,594 Cars and trucks, used.................. 2,770 b/ 2,539 2,050 2,312 1,637 2,119 3,232 1,947 3,366 3,194 Other vehicles......................... 92 d/ d/ d/ d/ d/ b/ 106 b/ 112 b/ 153 b/ 135 Gasoline and motor oil................... 1,555 851 697 785 1,050 1,229 1,445 1,525 1,682 2,086 Other vehicle expenses................... 3,188 1,387 1,055 1,097 1,602 1,943 2,465 3,287 3,538 4,882 Vehicle finance charges................ 505 256 186 128 214 266 443 510 624 747 Maintenance and repairs................ 858 395 284 330 484 622 667 883 910 1,278 Vehicle insurance...................... 1,096 534 396 437 571 796 931 1,314 1,248 1,489 Vehicle rental, leases, licenses, other charges.............................. 729 202 189 201 333 260 423 580 757 1,368 Public transportation.................... 421 162 125 159 209 161 188 186 449 834 Health care................................. 2,441 1,670 997 1,025 1,608 2,026 2,353 2,365 2,713 3,207 Health insurance......................... 1,206 1,034 505 433 795 951 1,173 1,321 1,368 1,531 Medical services......................... 638 189 253 247 411 429 620 504 721 937 Drugs.................................... 484 358 177 292 329 574 457 454 509 573 Medical supplies......................... 112 b/ 88 62 53 73 73 103 86 115 166 Entertainment............................... 2,305 1,249 814 870 1,101 1,310 1,729 1,872 2,577 3,719 Fees and admissions...................... 540 309 130 142 247 224 275 356 471 1,083 Television, radios, sound equipment...... 811 611 466 456 467 658 729 791 848 1,089 Pets, toys, and playground equipment..... 432 202 136 210 322 275 286 368 498 656 Other entertainment supplies, equipment,and services.................. 523 127 82 62 65 152 438 358 760 890 Personal care products and services......... 629 423 314 405 406 433 515 542 693 896 Reading..................................... 148 73 45 48 63 91 90 112 160 254 Education................................... 884 348 154 408 545 249 273 531 859 1,810 Tobacco products and smoking supplies....... 422 347 426 331 347 466 470 438 469 391 Miscellaneous............................... 918 375 383 415 495 691 826 828 1,021 1,323 Cash contributions.......................... 1,253 466 180 207 281 561 676 957 1,312 2,426 Personal insurance and pensions............. 5,653 790 476 809 1,375 1,929 2,996 4,326 5,778 11,440 Life and other personal insurance........ 532 366 193 224 311 278 352 404 548 900 Pensions and Social Security............. 5,121 423 283 585 1,064 1,650 2,644 3,922 5,229 10,540 Sources of income and personal taxes: a/ Money income before taxes.................. 58,310 1,679 7,906 12,498 17,214 24,879 34,590 44,446 59,118 113,581 Wages and salaries....................... 51,008 1,593 3,187 6,685 11,827 18,233 28,263 38,328 53,081 102,914 Self-employment income................... 2,091 -1,407 b/ 125 294 490 724 1,140 1,367 1,334 4,914 Social Security, private and government retirement................... 3,389 b/ 355 1,860 2,698 3,263 4,640 4,023 3,535 3,251 3,274 Interest, dividends, rental income, other property income................... 590 b/ 44 b/ 11 65 61 154 174 320 298 1,521 Unemployment and workers'' compensation, veterans'' benefits..................... 261 b/ 86 b/ 30 b/ 138 281 269 198 235 317 324 Public assistance, supplemental security, income, food stamps..................... 434 690 2,136 2,013 806 285 249 192 238 121 Regular contributions for support........ 421 181 410 426 394 438 500 378 515 366 Other income............................. 115 b/ 136 b/ 148 179 92 135 44 91 83 148 Personal taxes............................. 2,951 719 -153 -422 -127 184 731 1,431 2,715 7,459 Federal income taxes..................... 2,235 473 -199 -448 -214 18 458 981 2,001 5,867 State and local income taxes............. 590 b/ 173 6 14 42 115 213 343 601 1,340 Other taxes.............................. 126 b/ 73 b/ 41 b/ 11 45 52 60 107 113 252 Income after taxes......................... 55,359 961 8,059 12,920 17,340 24,694 33,859 43,016 56,403 106,123 Net change in total assets and liabilities... -7,908 -8,381 2,535 -502 -4,273 -6,334 -3,937 -2,061 -8,388 -15,376 Net change in total assets............... 5,359 73 6,441 1,422 -2,662 2,968 7,769 3,317 2,593 10,317 Net change in total liabilities.......... 13,267 8,454 3,906 1,924 1,611 9,302 11,707 5,378 10,981 25,693 Other financial information: Other money receipts..................... 567 b/ 64 b/ 218 b/ 493 b/ 626 298 404 418 380 987 Mortgage principal paid on owned property................................ -1,641 -913 -625 -267 -717 -602 -923 -1,119 -1,416 -3,305 Estimated market value of owned home..... 106,829 59,852 37,586 36,924 44,162 53,760 70,434 74,361 100,869 196,148 Estimated monthly rental value of owned home.................................... 745 344 259 302 343 440 540 588 737 1,271 Gifts of goods and services................. 1,301 1,062 523 658 722 484 717 1,157 1,130 2,374 Food..................................... 111 b/ 103 b/ 6 b/ 33 b/ 28 29 89 39 105 228 Alcoholic beverages...................... 14 b/ 6 d/ b/ 4 b/ 10 b/ 12 b/ 8 b/ 10 14 22 Housing.................................. 327 507 191 168 99 206 185 255 382 499 Housekeeping supplies.................. 55 b/ 73 b/ 24 b/ 36 b/ 28 41 44 36 72 73 Household textiles..................... 10 b/ 26 d/ b/ 4 d/ b/ 6 b/ 2 b/ 26 9 14 Appliances and miscellaneous housewares........................... 29 b/ 20 b/ 24 b/ 5 b/ 9 b/ 26 b/ 9 65 24 38 Major appliances..................... 10 b/ 3 d/ b/ 2 b/ 3 b/ 2 b/ 1 b/ 44 10 11 Small appliances and miscellaneous housewares......................... 19 b/ 18 b/ 24 b/ 3 b/ 6 b/ 24 b/ 9 b/ 21 14 27 Miscellaneous household equipment...... 76 b/ 179 b/ 21 b/ 20 b/ 5 54 67 63 86 110 Other housing.......................... 156 209 122 104 57 79 63 64 191 264 Apparel and services..................... 278 193 233 243 250 119 257 265 254 399 Males, 2 and over...................... 75 b/ 54 b/ 12 78 94 34 34 68 83 112 Females, 2 and over.................... 86 b/ 82 b/ 121 85 b/ 14 31 70 68 72 140 Children under 2....................... 62 b/ 33 57 38 69 35 55 67 67 77 Other apparel products and services.... 55 b/ 24 b/ 43 b/ 42 b/ 73 b/ 18 b/ 98 62 32 70 Jewelry and watches.................. 17 b/ 21 b/ 18 b/ 11 b/ 1 b/ 6 b/ 11 b/ 33 8 29 All other apparel products and services............................ 38 b/ 3 b/ 25 b/ 31 b/ 72 b/ 12 b/ 88 b/ 28 b/ 24 41 Transportation........................... 84 24 b/ 3 9 9 9 8 347 22 136 Health care.............................. 33 b/ 15 b/ 4 b/ 22 b/ 2 b/ 8 b/ 22 b/ 16 20 75 Entertainment............................ 76 b/ 33 b/ 34 b/ 32 b/ 16 63 47 61 74 128 Toys, games, hobbies, and tricycles.... 27 b/ 7 b/ 19 b/ 9 b/ 9 19 21 24 35 39 Other entertainment.................... 49 b/ 26 b/ 15 b/ 23 b/ 7 45 26 37 40 88 Personal care products and services...... 27 b/ 30 b/ 18 b/ 20 b/ 5 11 22 11 37 42 Reading.................................. 1 c/ d/ d/ c/ c/ c/ c/ 1 2 Education................................ 278 b/ 124 b/ 13 b/ 83 b/ 293 b/ 11 30 95 150 705 All other gifts.......................... 72 b/ 28 21 43 9 15 50 56 72 138 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.