Table 25. Consumer units with reference person under age 25 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 complete than to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 more Number of consumer units (in thousands)........... 8,175 1,736 1,425 978 791 1,153 739 1,353 Consumer unit characteristics: Income before taxes a/ .......................... $21,855 $2,613 $7,169 $12,082 $17,262 $24,510 $34,700 $62,488 Income after taxes a/ ........................... 21,488 2,619 7,179 12,203 17,347 24,301 33,927 60,716 Age of reference person.......................... 21.4 20.3 20.8 21.5 21.8 21.8 22.2 22.4 Average number in consumer unit: Persons......................................... 1.9 1.2 1.3 1.6 1.9 2.3 2.4 2.7 Children under 18............................... .4 .1 .2 .4 .5 .7 .6 .5 Persons 65 and over............................. b/ b/ b/ b/ b/ b/ b/ b/ Earners......................................... 1.3 .9 .9 1.1 1.2 1.4 1.6 2.0 Vehicles........................................ 1.1 .5 .7 1.1 1.2 1.4 1.6 2.0 Percent distribution: Sex of reference person: Male............................................ 48 45 49 44 49 47 47 51 Female.......................................... 52 55 51 56 51 53 53 49 Housing tenure: Homeowner....................................... 15 3 6 7 17 17 24 39 With mortgage.................................. 9 1 2 1 9 9 17 30 Without mortgage............................... 6 2 5 6 8 7 7 8 Renter.......................................... 85 97 94 93 83 83 76 61 Race of reference person: Black or African-American....................... 10 10 10 15 11 10 13 8 White, Asian, and All Other Races............... 90 90 90 85 89 90 87 92 Education of reference person: Elementary (1-8)................................ 2 1 1 2 3 3 2 2 High school (9-12).............................. 29 18 21 30 35 40 44 32 College......................................... 69 82 77 68 62 57 54 65 Never attended and other........................ c/ d/ d/ d/ d/ c/ d/ c/ At least one vehicle owned or leased............. 72 45 58 72 77 86 91 94 Average annual expenditures....................... $24,051 $11,642 $14,838 $20,368 $22,709 $26,294 $31,822 $45,598 Food............................................. 3,632 2,226 2,431 2,794 3,280 3,716 4,863 5,959 Food at home.................................... 1,826 1,094 1,152 1,481 1,582 2,080 2,371 2,909 Cereals and bakery products.................... 262 165 169 190 210 311 356 409 Cereals and cereal products................... 97 66 57 80 75 102 143 155 Bakery products............................... 164 99 112 109 136 208 213 254 Meats, poultry, fish, and eggs................. 456 257 243 366 396 482 634 792 Beef.......................................... 140 73 69 97 115 146 216 259 Pork.......................................... 89 50 62 90 63 92 122 141 Other meats................................... 52 25 27 30 57 61 73 87 Poultry....................................... 94 69 44 89 89 99 109 153 Fish and seafood.............................. 56 26 27 32 53 58 84 108 Eggs.......................................... 25 15 14 26 18 26 31 44 Dairy products................................. 201 118 118 170 163 236 257 325 Fresh milk and cream.......................... 81 45 50 67 61 88 111 139 Other dairy products.......................... 119 73 68 103 102 148 146 186 Fruits and vegetables.......................... 282 179 177 209 227 344 369 439 Fresh fruits.................................. 84 52 53 56 57 112 110 134 Fresh vegetables.............................. 88 48 47 65 70 113 116 150 Processed fruits.............................. 65 50 41 54 60 78 80 89 Processed vegetables.......................... 44 29 36 34 41 41 63 66 Other food at home............................. 626 374 444 546 584 707 755 944 Sugar and other sweets........................ 57 42 53 46 50 56 69 77 Fats and oils................................. 45 26 26 31 53 48 60 72 Miscellaneous foods........................... 341 201 236 312 314 395 401 511 Nonalcoholic beverages........................ 170 97 112 142 144 197 215 270 Food prepared by consumer unit on out-of-town trips............................ 14 9 18 14 24 11 e/ 10 14 Food away from home............................. 1,806 1,132 1,280 1,314 1,699 1,635 2,492 3,050 Alcoholic beverages.............................. 528 288 305 490 463 460 583 1,049 Housing.......................................... 7,477 3,277 4,781 6,128 7,514 8,728 10,715 13,690 Shelter......................................... 4,778 2,231 3,298 3,982 4,958 5,611 6,748 8,292 Owned dwellings................................ 905 103 199 153 788 666 1,381 3,232 Mortgage interest and charges................. 547 e/ 46 e/ 57 e/ 32 e/ 459 351 867 2,122 Property taxes................................ 230 43 136 90 233 168 306 680 Maintenance, repairs, insurance, other expenses..................................... 128 e/ 15 e/ 6 e/ 31 e/ 97 146 208 431 Rented dwellings............................... 3,643 1,870 2,724 3,554 4,004 4,840 5,261 4,834 Other lodging.................................. 231 257 375 274 166 105 106 226 Utilities, fuels, and public services........... 1,395 490 740 1,192 1,564 1,717 2,077 2,645 Natural gas.................................... 130 23 42 94 175 165 172 306 Electricity.................................... 493 180 269 422 612 612 767 863 Fuel oil and other fuels....................... 26 e/ 6 e/ 6 e/ 27 e/ 19 e/ 33 e/ 55 54 Telephone services............................. 642 263 382 573 644 799 906 1,173 Water and other public services................ 104 18 40 76 114 108 177 249 Household operations............................ 253 41 83 190 247 353 461 552 Personal services.............................. 147 e/ 1 e/ 14 110 144 227 316 346 Other household expenses....................... 105 40 69 80 103 126 145 206 Housekeeping supplies........................... 242 140 136 219 169 249 328 433 Laundry and cleaning supplies.................. 76 50 35 52 45 85 90 153 Other household products....................... 104 61 57 95 83 113 118 186 Postage and stationery......................... 63 29 44 71 41 51 120 94 Household furnishings and equipment............. 809 375 524 546 576 798 1,101 1,769 Household textiles............................. 53 46 33 12 68 46 42 113 Furniture...................................... 236 46 81 209 192 308 265 609 Floor coverings................................ 8 3 8 6 e/ 3 8 e/ 13 15 Major appliances............................... 74 11 50 51 17 81 151 171 Small appliances, miscellaneous housewares.................................... 57 48 28 21 44 65 89 104 Miscellaneous household equipment.............. 382 220 326 249 252 290 541 757 Apparel and services............................. 1,292 752 850 1,027 949 1,314 1,664 2,411 Men and boys.................................... 253 102 184 182 172 165 392 565 Men, 16 and over............................... 230 98 167 149 154 137 351 530 Boys, 2 to 15.................................. 23 e/ 4 17 33 18 27 41 35 Women and girls................................. 503 371 319 381 353 532 577 894 Women, 16 and over............................. 476 363 309 357 304 488 540 862 Girls, 2 to 15................................. 27 e/ 9 10 25 49 44 37 32 Children under 2................................ 105 53 77 83 132 154 85 158 Footwear........................................ 239 153 144 221 e/ 115 283 364 370 Other apparel products and services............. 192 73 126 159 177 181 246 423 Transportation................................... 4,832 1,535 2,108 4,584 5,248 5,958 6,612 9,935 Vehicle purchases (net outlay).................. 2,229 492 610 2,535 2,532 2,959 2,823 4,816 Cars and trucks, new........................... 804 e/ 137 e/ 88 e/ 855 e/ 740 1,163 e/ 1,505 1,725 Cars and trucks, used.......................... 1,381 328 522 1,657 1,766 1,705 1,302 2,977 Other vehicles................................. 44 e/ 26 d/ e/ 24 e/ 26 e/ 91 e/ 16 e/ 114 Gasoline and motor oil.......................... 1,059 534 745 911 1,080 1,240 1,451 1,789 Other vehicle expenses.......................... 1,338 368 643 978 1,437 1,610 2,062 2,885 Vehicle finance charges........................ 189 17 40 99 126 246 323 548 Maintenance and repairs........................ 380 151 286 357 543 421 486 598 Vehicle insurance.............................. 530 88 192 378 519 754 885 1,188 Vehicle rental, leases, licenses, other charges....................................... 238 112 126 144 249 190 369 550 Public transportation........................... 207 141 110 159 199 148 276 445 Health care...................................... 611 172 223 409 447 713 784 1,627 Health insurance................................ 304 65 70 148 255 402 452 835 Medical services................................ 159 31 65 151 90 145 182 466 Drugs........................................... 114 60 71 76 64 123 112 262 Medical supplies................................ 34 16 16 34 e/ 38 42 38 64 Entertainment.................................... 1,098 611 741 804 1,007 1,335 1,588 1,840 Fees and admissions............................. 262 203 268 192 221 225 248 446 Television, radios, sound equipment............. 498 238 311 389 500 644 689 873 Pets, toys, hobbies, and playground equipment... 189 65 93 122 175 196 493 286 Other entertainment supplies, equipment, and services................................... 150 105 69 101 113 271 158 235 Personal care products and services.............. 333 204 217 369 294 305 341 603 Reading.......................................... 53 37 45 48 46 64 54 81 Education........................................ 1,668 2,038 2,188 2,339 1,578 920 816 1,318 Tobacco products and smoking supplies............ 238 111 141 228 306 319 342 342 Miscellaneous.................................... 276 155 252 195 215 279 275 557 Cash contributions............................... 342 86 154 222 177 362 431 987 Personal insurance and pensions.................. 1,670 149 403 732 1,183 1,823 2,755 5,199 Life and other personal insurance............... 36 e/ 3 e/ 11 e/ 26 29 41 57 102 Pensions and Social Security.................... 1,634 146 391 706 1,154 1,782 2,698 5,098 Sources of income and personal taxes: a/ Money income before taxes........................ 21,855 2,613 7,169 12,082 17,262 24,510 34,700 62,488 Wages and salaries.............................. 19,260 1,874 4,901 8,902 14,123 21,599 32,060 58,200 Self-employment income.......................... 500 e/ -15 e/ 39 e/ 84 e/ 75 e/ 455 e/ 361 2,309 Social Security, private and government retirement..................................... 196 e/ 5 e/ 164 e/ 210 e/ 120 e/ 459 e/ 366 e/ 195 Interest, dividends, rental income, other property income................................ 191 44 49 167 78 112 253 648 Unemployment and workers' compensation, veterans' benefits............................. 69 e/ 4 e/ 9 e/ 22 e/ 68 e/ 90 e/ 182 171 Public assistance, supplemental security income, food stamps............................ 251 109 407 535 272 288 e/ 161 e/ 67 Regular contributions for support............... 881 378 890 1,343 1,687 926 907 658 Other income.................................... 507 214 710 819 838 583 e/ 410 240 Personal taxes................................... 367 -6 -10 -122 -85 209 773 1,772 Federal income taxes............................ 224 -11 -24 -157 -172 81 490 1,271 State and local income taxes.................... 130 5 12 28 87 118 258 456 Other taxes..................................... 12 c/ e/ 2 e/ 7 c/ 10 25 45 Income after taxes............................... 21,488 2,619 7,179 12,203 17,347 24,301 33,927 60,716 Addenda: Net change in total assets and liabilities....... -572 -180 -1,560 -1,663 -770 1,196 430 -1,185 Net change in total assets...................... 7,112 1,693 -260 -115 3,504 4,033 10,421 29,980 Net change in total liabilities................. 7,684 1,873 1,301 1,548 4,274 2,837 9,991 31,165 Other financial information: Other money receipts............................ 93 133 61 e/ 77 e/ 121 e/ 29 e/ 20 167 Mortgage principal paid on owned property....... -174 e/ -14 e/ -17 e/ -14 e/ -135 -191 -283 -609 Estimated market value of owned home............ 18,046 e/ 2,653 5,939 e/ 5,213 18,394 13,727 26,259 58,823 Estimated monthly rental value of owned home.... 127 e/ 27 41 e/ 44 109 102 183 408 Gifts of goods and services...................... 403 242 229 394 382 325 496 761 Food............................................ 15 e/ 6 e/ 22 e/ 22 c/ e/ 2 e/ 11 37 Alcoholic beverages............................. 12 d/ e/ 5 e/ 2 e/ 5 e/ 11 e/ 7 45 Housing......................................... 94 38 56 118 74 73 112 188 Housekeeping supplies.......................... 20 e/ 9 e/ 18 24 e/ 8 17 e/ 29 32 Household textiles............................. 6 e/ 1 c/ c/ e/ 5 e/ 4 e/ 9 e/ 22 Appliances and miscellaneous housewares.................................... 13 e/ 2 e/ 4 e/ 4 e/ 7 e/ 6 e/ 25 e/ 38 Major appliances.............................. e/ 1 d/ d/ e/ 3 d/ d/ d/ e/ 4 Small appliances and miscellaneous housewares................................... 11 e/ 2 e/ 4 e/ 1 e/ 7 e/ 6 e/ 25 e/ 34 Miscellaneous household equipment.............. 24 5 14 21 20 17 e/ 16 67 Other housing.................................. 31 21 19 69 34 28 e/ 32 29 Apparel and services............................ 161 91 94 158 215 136 208 273 Males, 2 and over.............................. 37 18 e/ 22 37 e/ 59 16 46 72 Females, 2 and over............................ 45 e/ 26 e/ 13 e/ 57 81 58 e/ 10 77 Children under 2............................... 26 e/ 5 e/ 9 e/ 13 52 46 e/ 18 47 Other apparel products and services............ 53 42 50 e/ 52 e/ 23 e/ 17 e/ 135 78 Jewelry and watches........................... 28 e/ 8 38 e/ 42 e/ 10 e/ 7 e/ 86 e/ 28 All other apparel products and services....... 26 e/ 35 e/ 11 e/ 10 e/ 13 e/ 10 e/ 49 e/ 50 Transportation.................................. 11 e/ 5 4 e/ 4 e/ 3 9 15 32 Health care..................................... 6 e/ 2 e/ 1 e/ 1 c/ e/ 4 e/ 18 e/ 18 Entertainment................................... 39 17 22 e/ 20 e/ 45 58 76 47 Toys, games, arts and crafts, and tricycles.... 9 7 8 e/ 5 e/ 13 e/ 9 e/ 13 13 Other entertainment............................ 30 9 14 e/ 15 32 50 63 35 Personal care products and services............. 14 11 e/ 10 e/ 7 e/ 4 e/ 15 e/ 6 36 Reading......................................... c/ c/ d/ c/ c/ c/ d/ c/ Education....................................... 16 e/ 28 e/ 4 e/ 31 e/ 1 e/ 3 e/ 8 e/ 27 All other gifts................................. 34 46 13 30 35 15 36 58 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. n.a. Not applicable.