Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 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 more Number of consumer units (in thousands)........... 21,880 478 724 990 1,091 2,040 2,147 2,175 3,782 8,451 Consumer unit characteristics: Income before taxes a/ .......................... $69,489 - $1,636 $7,817 $12,622 $17,251 $24,772 $34,860 $44,555 $59,259 $122,796 Income after taxes a/ ........................... 65,744 -1,892 7,834 12,945 17,282 24,266 33,953 42,894 56,106 115,263 Age of reference person.......................... 49.4 49.2 49.5 49.3 49.4 49.3 49.5 49.2 49.4 49.4 Average number in consumer unit: Persons......................................... 2.7 1.8 1.8 2.2 2.2 2.2 2.3 2.5 2.7 3.1 Children under 18............................... .6 .4 .4 .6 .5 .5 .5 .5 .6 .7 Persons 65 and over............................. b/ b/ b/ b/ b/ b/ .1 b/ b/ b/ Earners......................................... 1.7 .8 .5 .9 1.1 1.3 1.5 1.6 1.8 2.2 Vehicles........................................ 2.4 1.2 .8 1.1 1.5 1.6 2.0 2.3 2.6 3.2 Percent distribution: Sex of reference person: Male............................................ 51 43 38 40 45 42 49 46 54 56 Female.......................................... 49 57 62 60 55 58 51 54 46 44 Housing tenure: Homeowner....................................... 76 46 38 45 52 57 65 74 84 93 With mortgage.................................. 57 25 19 23 28 34 45 51 65 77 Without mortgage............................... 19 21 19 22 24 23 20 23 19 17 Renter.......................................... 24 54 62 55 48 43 35 26 16 7 Race of reference person: Black or African-American....................... 12 30 28 21 16 22 15 13 8 7 White, Asian, and All Other Races............... 88 70 72 79 84 78 85 87 92 93 Education of reference person: Elementary (1-8)................................ 4 8 11 12 11 6 4 4 2 1 High school (9-12).............................. 33 46 51 57 50 48 45 38 32 18 College......................................... 63 45 38 30 38 46 51 58 66 81 Never attended and other........................ c/ d/ c/ 1 c/ c/ c/ c/ c/ c/ At least one vehicle owned or leased............. 93 61 56 71 84 89 94 96 98 99 Average annual expenditures....................... $52,775 $26,583 $16,125 $19,819 $24,444 $28,159 $33,396 $37,743 $49,027 $81,407 Food............................................. 6,907 4,720 2,877 3,432 4,761 4,410 4,927 5,567 6,811 9,590 Food at home.................................... 3,981 3,046 2,236 2,632 3,347 3,069 3,098 3,252 4,068 5,048 Cereals and bakery products.................... 540 442 306 418 465 409 397 458 556 676 Cereals and cereal products................... 177 169 130 133 140 148 135 139 184 216 Bakery products............................... 363 274 176 285 325 261 262 320 371 460 Meats, poultry, fish, and eggs................. 1,078 844 622 690 988 953 882 881 1,112 1,314 Beef.......................................... 335 247 159 205 350 279 261 266 353 417 Pork.......................................... 216 167 129 187 172 194 212 199 207 251 Other meats................................... 136 107 79 90 122 125 106 118 147 159 Poultry....................................... 188 151 125 110 149 175 145 142 193 233 Fish and seafood.............................. 159 117 89 61 139 136 113 117 171 206 Eggs.......................................... 45 54 41 36 55 46 46 39 42 48 Dairy products................................. 420 318 238 242 357 297 330 361 428 538 Fresh milk and cream.......................... 153 145 110 95 139 118 131 138 149 186 Other dairy products.......................... 267 174 128 147 219 179 199 222 279 352 Fruits and vegetables.......................... 663 487 422 432 537 464 538 514 668 859 Fresh fruits.................................. 221 140 142 124 163 150 181 152 217 301 Fresh vegetables.............................. 217 180 144 150 155 151 184 162 212 284 Processed fruits.............................. 125 83 81 73 114 91 100 111 131 155 Processed vegetables.......................... 100 82 55 86 104 73 73 89 108 120 Other food at home............................. 1,279 954 649 850 1,000 946 951 1,038 1,303 1,662 Sugar and other sweets........................ 154 115 84 108 155 119 100 105 157 205 Fats and oils................................. 108 93 78 78 108 98 84 106 100 129 Miscellaneous foods........................... 611 396 277 403 394 404 450 492 649 810 Nonalcoholic beverages........................ 359 324 202 244 324 310 289 308 359 437 Food prepared by consumer unit on out-of-town trips............................ 47 e/ 26 e/ 8 e/ 17 e/ 19 15 27 26 39 80 Food away from home............................. 2,926 1,674 641 800 1,414 1,341 1,829 2,315 2,743 4,542 Alcoholic beverages.............................. 509 194 134 169 177 211 278 378 421 848 Housing.......................................... 16,070 9,869 6,591 7,663 8,756 9,499 11,403 12,065 14,725 23,592 Shelter......................................... 9,311 5,949 3,741 4,610 4,817 5,518 6,458 6,881 8,376 13,794 Owned dwellings................................ 6,936 3,108 1,352 1,851 2,219 2,704 3,667 4,513 6,491 11,510 Mortgage interest and charges................. 4,050 1,705 726 933 1,229 1,416 2,145 2,710 3,830 6,761 Property taxes................................ 1,677 875 411 487 577 693 843 1,077 1,615 2,744 Maintenance, repairs, insurance, other expenses..................................... 1,208 528 215 431 413 595 679 725 1,045 2,005 Rented dwellings............................... 1,669 2,509 2,355 2,728 2,523 2,684 2,591 2,126 1,440 833 Other lodging.................................. 706 e/ 333 e/ 34 e/ 32 76 131 199 243 444 1,450 Utilities, fuels, and public services........... 3,389 2,220 1,946 2,209 2,221 2,553 2,771 3,038 3,416 4,304 Natural gas.................................... 469 324 226 246 289 357 390 446 458 606 Electricity.................................... 1,216 808 850 931 853 964 1,003 1,117 1,224 1,488 Fuel oil and other fuels....................... 142 e/ 94 e/ 67 83 91 81 108 114 159 187 Telephone services............................. 1,177 742 618 740 758 876 973 1,024 1,180 1,518 Water and other public services................ 384 252 185 210 231 276 296 338 395 505 Household operations............................ 669 299 138 147 198 234 309 362 478 1,219 Personal services.............................. 123 e/ 49 e/ 8 e/ 6 e/ 22 41 73 77 49 242 Other household expenses....................... 546 250 131 141 175 193 236 286 429 977 Housekeeping supplies........................... 721 559 249 286 439 379 587 533 648 1,061 Laundry and cleaning supplies.................. 180 136 110 117 120 123 180 190 170 217 Other household products....................... 364 296 83 125 223 172 299 205 315 569 Postage and stationery......................... 177 127 55 44 96 83 108 138 163 274 Household furnishings and equipment............. 1,981 841 517 411 1,080 814 1,278 1,250 1,807 3,214 Household textiles............................. 174 117 38 26 194 76 88 101 166 277 Furniture...................................... 439 219 133 172 245 149 234 277 333 745 Floor coverings................................ 65 e/ 49 e/ 5 e/ 5 e/ 27 22 14 28 40 126 Major appliances............................... 233 e/ 51 92 41 55 125 130 215 275 334 Small appliances, miscellaneous housewares.................................... 125 49 34 24 113 62 115 55 95 203 Miscellaneous household equipment.............. 946 357 215 144 447 380 697 574 898 1,528 Apparel and services............................. 2,171 1,520 870 1,130 1,140 1,112 1,260 1,466 1,940 3,354 Men and boys.................................... 524 399 245 197 274 195 307 347 411 859 Men, 16 and over............................... 431 306 218 96 199 135 241 275 325 735 Boys, 2 to 15.................................. 93 93 27 101 75 61 65 72 86 124 Women and girls................................. 938 646 342 388 541 480 552 719 920 1,396 Women, 16 and over............................. 817 596 318 326 521 418 460 613 816 1,212 Girls, 2 to 15................................. 120 50 24 62 20 62 92 107 104 184 Children under 2................................ 54 e/ 24 e/ 26 62 37 52 42 30 49 72 Footwear........................................ 371 338 e/ 169 368 e/ 153 281 221 212 361 526 Other apparel products and services............. 284 113 87 114 135 105 139 158 198 501 Transportation................................... 9,676 4,630 2,377 3,284 3,914 5,795 6,130 6,971 9,638 14,631 Vehicle purchases (net outlay).................. 4,240 e/ 2,393 e/ 951 1,223 1,373 2,456 2,290 2,669 4,332 6,640 Cars and trucks, new........................... 2,225 e/ 877 d/ e/ 577 e/ 434 1,061 867 1,107 1,829 4,006 Cars and trucks, used.......................... 1,885 1,424 951 633 939 1,394 1,409 1,495 2,304 2,413 Other vehicles................................. 130 e/ 92 d/ e/ 13 d/ d/ e/ 13 e/ 67 e/ 199 221 Gasoline and motor oil.......................... 1,839 802 645 900 1,104 1,250 1,451 1,574 1,945 2,467 Other vehicle expenses.......................... 3,091 1,132 643 1,057 1,281 1,889 2,170 2,515 2,988 4,603 Vehicle finance charges........................ 445 186 67 111 151 267 315 378 511 632 Maintenance and repairs........................ 836 318 195 252 398 495 574 671 805 1,250 Vehicle insurance.............................. 1,253 377 307 585 630 835 910 1,126 1,202 1,785 Vehicle rental, leases, licenses, other charges....................................... 558 251 73 109 103 292 371 340 470 935 Public transportation........................... 505 302 139 104 156 200 219 212 374 921 Health care...................................... 2,631 1,172 979 1,232 1,498 1,592 2,014 2,316 2,695 3,628 Health insurance................................ 1,250 430 361 602 664 787 985 1,148 1,379 1,672 Medical services................................ 770 262 276 360 405 342 515 603 723 1,168 Drugs........................................... 475 429 238 228 369 416 417 437 461 587 Medical supplies................................ 136 e/ 50 e/ 103 42 59 47 97 128 133 200 Entertainment.................................... 2,651 1,865 555 768 962 1,259 1,494 1,680 2,470 4,273 Fees and admissions............................. 659 368 53 65 114 163 250 319 506 1,246 Television, radios, sound equipment............. 909 608 316 468 484 578 702 737 899 1,264 Pets, toys, hobbies, and playground equipment... 490 421 138 204 202 282 334 443 451 709 Other entertainment supplies, equipment, and services................................... 594 469 47 32 162 236 208 181 614 1,054 Personal care products and services.............. 676 370 294 243 310 414 460 520 617 1,010 Reading.......................................... 153 74 31 31 68 67 80 110 140 250 Education........................................ 1,479 265 123 163 173 279 359 416 835 3,125 Tobacco products and smoking supplies............ 385 286 357 463 432 410 403 373 394 367 Miscellaneous.................................... 820 465 295 216 452 365 570 700 881 1,184 Cash contributions............................... 1,686 575 263 181 446 699 756 944 1,351 3,023 Personal insurance and pensions.................. 6,960 578 381 843 1,355 2,046 3,262 4,237 6,111 12,533 Life and other personal insurance............... 563 221 86 114 229 204 316 338 454 975 Pensions and Social Security.................... 6,397 357 294 729 1,126 1,842 2,946 3,899 5,657 11,558 Sources of income and personal taxes: a/ Money income before taxes........................ 69,489 -1,636 7,817 12,622 17,251 24,772 34,860 44,555 59,259 122,796 Wages and salaries.............................. 60,605 3,035 2,430 7,223 11,537 20,312 30,388 38,921 53,739 107,496 Self-employment income.......................... 4,135 -6,338 e/ -114 481 1,081 935 1,058 1,444 2,121 9,063 Social Security, private and government retirement..................................... 2,314 e/ 268 2,445 2,630 3,056 2,161 2,009 2,628 1,640 2,620 Interest, dividends, rental income, other property income................................ 1,240 367 e/ 31 53 116 231 419 416 695 2,586 Unemployment and workers' compensation, veterans' benefits............................. 361 e/ 202 e/ 268 455 357 375 321 367 475 321 Public assistance, supplemental security income, food stamps............................ 313 550 2,239 1,261 758 413 276 350 94 41 Regular contributions for support............... 366 e/ 71 e/ 243 379 e/ 254 241 269 348 366 465 Other income.................................... 156 e/ 209 e/ 275 e/ 140 e/ 92 104 120 e/ 82 130 204 Personal taxes................................... 3,745 256 -17 -323 -30 506 907 1,661 3,153 7,533 Federal income taxes............................ 2,742 219 -50 -348 -147 266 518 1,042 2,294 5,660 State and local income taxes.................... 771 -36 4 -9 69 159 272 487 605 1,487 Other taxes..................................... 232 e/ 72 e/ 29 34 47 81 117 131 254 386 Income after taxes............................... 65,744 -1,892 7,834 12,945 17,282 24,266 33,953 42,894 56,106 115,263 Addenda: Net change in total assets and liabilities....... -15,701 1,246 -1,740 -1,297 -4,403 -5,610 -7,649 -6,819 -11,157 -29,804 Net change in total assets...................... 7,147 8,937 889 108 1,219 2,275 2,989 6,067 6,099 12,151 Net change in total liabilities................. 22,848 7,691 2,628 1,405 5,623 7,886 10,638 12,886 17,256 41,955 Other financial information: Other money receipts............................ 521 e/ 729 e/ 139 e/ 210 e/ 323 217 143 687 848 583 Mortgage principal paid on owned property....... -2,568 -1,189 -645 -714 -581 -851 -1,059 -1,389 -2,189 -4,556 Estimated market value of owned home............ 158,130 81,551 39,318 44,223 53,027 62,088 79,258 102,206 144,372 263,338 Estimated monthly rental value of owned home.... 923 488 297 337 366 443 553 672 878 1,435 Gifts of goods and services...................... 1,809 341 335 579 672 625 730 805 1,286 3,380 Food............................................ 153 e/ 17 34 33 e/ 75 27 39 27 96 315 Alcoholic beverages............................. 27 e/ 2 e/ 18 e/ 1 e/ 61 e/ 4 e/ 3 e/ 9 20 49 Housing......................................... 375 96 47 62 145 149 172 159 292 686 Housekeeping supplies.......................... 68 e/ 36 e/ 8 e/ 24 e/ 12 42 47 39 65 109 Household textiles............................. 24 e/ 1 d/ e/ 1 e/ 18 e/ 7 e/ 9 15 27 40 Appliances and miscellaneous housewares.................................... 32 e/ 1 e/ 7 e/ 4 e/ 22 e/ 7 e/ 17 37 26 53 Major appliances.............................. 9 d/ e/ 6 d/ e/ 1 c/ e/ 6 e/ 29 6 10 Small appliances and miscellaneous housewares................................... 23 e/ 1 e/ 1 e/ 4 e/ 21 e/ 6 e/ 10 8 20 43 Miscellaneous household equipment.............. 94 e/ 2 e/ 7 e/ 6 25 26 43 30 117 164 Other housing.................................. 155 e/ 55 e/ 25 e/ 26 67 66 57 38 56 320 Apparel and services............................ 302 88 58 293 153 170 216 222 283 445 Males, 2 and over.............................. 83 e/ 30 e/ 6 e/ 65 64 24 62 56 63 136 Females, 2 and over............................ 113 e/ 28 e/ 8 85 47 53 79 93 138 157 Children under 2............................... 41 e/ 15 e/ 26 e/ 35 26 43 36 27 38 53 Other apparel products and services............ 65 e/ 16 e/ 18 e/ 107 e/ 15 50 39 46 44 99 Jewelry and watches........................... 18 e/ 1 c/ e/ 3 e/ 15 e/ 7 16 16 14 27 All other apparel products and services....... 47 e/ 14 e/ 18 e/ 104 d/ e/ 43 e/ 23 e/ 30 30 71 Transportation.................................. 99 d/ e/ 14 e/ 29 106 107 39 82 83 143 Health care..................................... 47 e/ 44 e/ 19 e/ 18 e/ 3 e/ 20 22 24 28 86 Entertainment................................... 101 e/ 31 e/ 11 e/ 31 40 63 72 74 86 160 Toys, games, arts and crafts, and tricycles.... 33 e/ 16 e/ 6 e/ 12 e/ 19 36 26 37 35 38 Other entertainment............................ 69 e/ 15 e/ 6 e/ 19 21 27 46 37 51 122 Personal care products and services............. 30 e/ 14 e/ 1 e/ 3 e/ 16 14 29 32 21 46 Reading......................................... 1 c/ d/ c/ e/ 1 e/ 1 e/ 1 e/ 1 2 1 Education....................................... 585 e/ 31 e/ 25 e/ 68 e/ 9 e/ 37 89 98 292 1,314 All other gifts................................. 90 e/ 17 107 e/ 43 63 31 47 76 83 135 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. 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.