Table 32. Midwestern region 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)........... 24,645 880 1,417 1,947 1,641 3,166 2,870 2,461 4,060 6,204 Consumer unit characteristics: Income before taxes a/ .......................... $53,149 $446 $7,828 $12,547 $17,439 $24,610 $34,791 $44,562 $59,086 $115,738 Income after taxes a/ ........................... 50,555 522 7,890 12,559 17,393 24,161 33,912 42,954 56,405 108,447 Age of reference person.......................... 48.9 38.1 51.2 59.5 54.9 52.3 48.1 47.4 45.4 46.7 Average number in consumer unit: Persons......................................... 2.4 1.6 1.5 1.7 1.9 2.0 2.4 2.5 2.8 3.1 Children under 18............................... .6 .4 .3 .4 .4 .5 .6 .6 .8 .9 Persons 65 and over............................. .3 .1 .4 .6 .5 .5 .4 .3 .2 .1 Earners......................................... 1.4 .8 .5 .5 .7 .9 1.3 1.5 1.7 2.1 Vehicles........................................ 2.2 .9 .8 1.1 1.4 1.7 2.1 2.3 2.6 3.1 Percent distribution: Sex of reference person: Male............................................ 51 40 36 31 42 46 55 56 58 57 Female.......................................... 49 60 64 69 58 54 45 44 42 43 Housing tenure: Homeowner....................................... 72 29 33 53 58 61 69 75 83 95 With mortgage.................................. 44 12 9 11 17 22 38 48 62 76 Without mortgage............................... 27 17 24 43 41 39 31 26 20 19 Renter.......................................... 28 71 67 47 42 39 31 25 17 5 Race of reference person: Black or African-American....................... 9 16 16 12 13 13 9 7 6 4 White, Asian, and All Other Races............... 91 84 84 88 87 87 91 93 94 96 Education of reference person: Elementary (1-8)................................ 4 4 10 10 7 6 4 2 1 1 High school (9-12).............................. 39 38 46 58 54 49 44 40 35 21 College......................................... 57 58 44 31 39 45 52 58 63 77 Never attended and other........................ b/ c/ b/ b/ c/ b/ b/ b/ b/ c/ At least one vehicle owned or leased............. 91 61 61 74 84 90 95 97 98 99 Average annual expenditures....................... $42,973 $17,696 $15,000 $19,097 $22,997 $27,749 $33,170 $38,422 $48,555 $76,429 Food............................................. 5,472 2,744 2,311 2,626 3,297 4,092 4,832 5,207 6,557 8,564 Food at home.................................... 3,099 1,502 1,500 1,858 2,319 2,486 2,853 3,084 3,660 4,417 Cereals and bakery products.................... 436 210 233 256 347 353 408 408 524 610 Cereals and cereal products................... 140 89 79 81 109 122 130 129 166 191 Bakery products............................... 296 121 154 175 238 231 278 279 359 420 Meats, poultry, fish, and eggs................. 766 361 396 455 575 656 727 818 895 1,038 Beef.......................................... 239 100 106 127 154 221 233 262 291 319 Pork.......................................... 167 70 90 106 136 150 165 197 183 212 Other meats................................... 112 45 58 70 94 88 100 124 127 157 Poultry....................................... 124 60 70 68 94 98 110 125 150 176 Fish and seafood.............................. 92 61 52 59 69 66 86 80 107 137 Eggs.......................................... 32 23 21 26 27 32 34 29 36 36 Dairy products................................. 348 166 155 205 245 275 322 347 426 499 Fresh milk and cream.......................... 133 60 72 91 106 112 130 140 151 179 Other dairy products.......................... 215 106 83 114 139 163 193 207 275 320 Fruits and vegetables.......................... 499 249 238 334 398 393 481 481 583 699 Fresh fruits.................................. 165 68 72 114 133 125 166 175 180 232 Fresh vegetables.............................. 148 76 76 95 115 113 133 140 175 212 Processed fruits.............................. 106 52 45 79 74 94 106 90 124 146 Processed vegetables.......................... 81 53 45 47 76 61 76 76 103 109 Other food at home............................. 1,049 516 476 607 754 809 915 1,031 1,231 1,571 Sugar and other sweets........................ 127 51 73 76 94 94 103 134 157 182 Fats and oils................................. 81 32 41 54 71 74 74 95 90 106 Miscellaneous foods........................... 530 248 215 306 375 378 467 516 611 828 Nonalcoholic beverages........................ 270 162 135 163 199 240 240 259 337 366 Food prepared by consumer unit on out-of-town trips............................ 41 24 13 8 14 23 30 27 36 89 Food away from home............................. 2,373 1,242 812 768 978 1,607 1,979 2,123 2,897 4,147 Alcoholic beverages.............................. 441 324 182 219 261 264 334 390 482 785 Housing.......................................... 13,226 6,361 5,739 7,187 8,454 9,141 10,454 11,815 14,743 22,043 Shelter......................................... 7,285 4,133 3,458 4,078 4,961 5,062 5,589 6,402 8,077 11,978 Owned dwellings................................ 5,132 1,739 941 1,660 2,578 2,460 3,335 4,355 6,210 10,135 Mortgage interest and charges................. 2,683 891 237 335 777 900 1,691 2,277 3,484 5,743 Property taxes................................ 1,486 512 470 686 1,065 868 995 1,190 1,612 2,794 Maintenance, repairs, insurance, other expenses..................................... 964 336 234 639 736 692 649 887 1,114 1,598 Rented dwellings............................... 1,648 2,168 2,383 2,305 2,258 2,414 2,043 1,752 1,408 580 Other lodging.................................. 505 226 134 112 126 188 211 296 460 1,263 Utilities, fuels, and public services........... 2,911 1,448 1,527 2,040 2,240 2,407 2,701 2,905 3,315 3,980 Natural gas.................................... 613 293 349 456 506 539 543 598 661 842 Electricity.................................... 940 512 522 723 763 801 904 958 1,043 1,225 Fuel oil and other fuels....................... 103 d/ 32 d/ 49 97 36 75 139 122 125 122 Telephone services............................. 937 475 480 580 722 741 837 906 1,119 1,315 Water and other public services................ 317 136 126 184 214 250 280 320 367 475 Household operations............................ 676 237 127 275 277 358 402 443 698 1,464 Personal services.............................. 294 d/ 105 d/ 29 d/ 44 91 126 163 148 354 679 Other household expenses....................... 382 132 98 231 186 232 239 294 344 785 Housekeeping supplies........................... 641 189 236 383 425 410 557 683 747 1,026 Laundry and cleaning supplies.................. 153 58 74 96 109 120 148 143 190 216 Other household products....................... 325 85 90 209 207 176 285 357 364 549 Postage and stationery......................... 163 46 71 78 109 114 124 183 193 261 Household furnishings and equipment............. 1,712 354 391 411 550 904 1,205 1,383 1,905 3,596 Household textiles............................. 119 25 42 34 48 81 75 104 142 231 Furniture...................................... 437 67 69 96 126 234 215 314 585 921 Floor coverings................................ 52 d/ 6 d/ 10 12 9 19 17 19 76 124 Major appliances............................... 225 d/ 52 57 88 64 121 151 363 199 425 Small appliances, miscellaneous housewares.................................... 97 25 19 39 55 89 75 81 89 184 Miscellaneous household equipment.............. 781 180 193 143 248 359 672 500 815 1,711 Apparel and services............................. 1,679 773 603 777 841 971 1,381 1,427 1,824 3,101 Men and boys.................................... 399 131 144 162 143 208 315 335 478 758 Men, 16 and over............................... 307 98 127 86 101 164 212 263 374 603 Boys, 2 to 15.................................. 92 33 16 76 42 45 103 72 104 156 Women and girls................................. 666 386 242 339 361 356 562 526 722 1,233 Women, 16 and over............................. 552 351 226 288 310 285 480 433 587 1,015 Girls, 2 to 15................................. 114 35 16 50 52 72 83 93 135 219 Children under 2................................ 87 40 47 15 49 54 77 93 99 148 Footwear........................................ 267 d/ 141 93 189 152 198 283 245 331 382 Other apparel products and services............. 259 76 78 72 137 153 142 228 195 579 Transportation................................... 7,899 3,238 2,308 2,943 3,469 5,197 6,208 7,278 9,382 14,004 Vehicle purchases (net outlay).................. 3,600 1,561 d/ 933 1,155 1,194 2,420 2,612 3,218 4,194 6,723 Cars and trucks, new........................... 1,851 d/ 409 d/ 89 d/ 573 d/ 377 1,207 1,081 1,174 1,713 4,294 Cars and trucks, used.......................... 1,660 1,102 844 581 812 1,179 1,468 1,994 2,253 2,301 Other vehicles................................. 89 d/ 50 c/ c/ d/ 6 d/ 35 d/ 62 d/ 50 229 128 Gasoline and motor oil.......................... 1,510 710 600 709 948 1,065 1,371 1,563 1,860 2,272 Other vehicle expenses.......................... 2,411 719 641 970 1,179 1,517 2,060 2,251 2,945 4,167 Vehicle finance charges........................ 362 97 43 69 118 170 289 383 517 653 Maintenance and repairs........................ 638 190 222 322 345 423 600 548 752 1,061 Vehicle insurance.............................. 906 262 248 454 536 670 789 946 1,060 1,445 Vehicle rental, leases, licenses, other charges....................................... 505 170 128 125 181 255 381 375 616 1,009 Public transportation........................... 379 247 135 109 147 194 165 245 383 842 Health care...................................... 2,787 1,064 1,129 2,129 2,240 2,556 2,768 2,757 3,261 3,593 Health insurance................................ 1,440 429 670 1,215 1,202 1,418 1,378 1,557 1,688 1,724 Medical services................................ 684 304 122 340 432 456 688 500 846 1,121 Drugs........................................... 534 284 284 513 549 602 586 549 572 541 Medical supplies................................ 129 47 53 60 56 80 115 152 154 206 Entertainment.................................... 2,151 850 580 723 866 1,229 1,488 1,678 2,420 4,285 Fees and admissions............................. 554 310 112 102 152 210 291 363 541 1,320 Television, radios, sound equipment............. 762 344 320 385 458 563 632 709 897 1,217 Pets, toys, hobbies, and playground equipment... 385 106 100 154 200 222 375 412 426 665 Other entertainment supplies, equipment, and services................................... 449 89 47 82 57 234 189 195 555 1,083 Personal care products and services.............. 547 232 211 273 369 398 431 523 590 921 Reading.......................................... 150 70 61 77 93 103 116 138 166 254 Education........................................ 863 951 824 472 435 222 329 428 652 1,985 Tobacco products and smoking supplies............ 359 191 237 260 346 348 353 495 429 353 Miscellaneous.................................... 756 253 250 343 624 660 628 854 919 1,071 Cash contributions............................... 1,678 286 199 574 717 961 1,025 1,459 1,563 3,646 Personal insurance and pensions.................. 4,964 359 366 496 986 1,607 2,824 3,972 5,567 11,824 Life and other personal insurance............... 443 133 63 144 292 228 316 383 440 900 Pensions and Social Security.................... 4,521 226 302 352 693 1,379 2,508 3,589 5,127 10,924 Sources of income and personal taxes: a/ Money income before taxes........................ 53,149 446 7,828 12,547 17,439 24,610 34,791 44,562 59,086 115,738 Wages and salaries.............................. 42,445 2,689 2,448 3,651 7,745 14,797 24,894 35,120 49,505 99,084 Self-employment income.......................... 2,662 -3,494 d/ -30 339 279 544 862 1,506 2,400 8,051 Social Security, private and government retirement..................................... 5,865 455 3,780 7,210 8,045 7,759 7,321 6,496 5,173 4,674 Interest, dividends, rental income, other property income................................ 1,237 61 96 252 312 678 943 779 1,078 2,926 Unemployment and workers' compensation, veterans' benefits............................. 230 d/ 82 d/ 83 135 d/ 142 219 258 269 288 278 Public assistance, supplemental security income, food stamps............................ 237 306 883 564 439 243 181 126 78 d/ 94 Regular contributions for support............... 330 169 214 252 278 263 261 197 414 481 Other income.................................... 143 178 355 144 200 107 71 70 150 149 Personal taxes................................... 2,593 -76 -62 -13 47 449 879 1,608 2,681 7,290 Federal income taxes............................ 1,719 -83 -92 -121 -101 112 434 966 1,812 5,101 State and local income taxes.................... 616 -11 11 5 42 136 261 431 582 1,692 Other taxes..................................... 258 d/ 18 20 104 105 202 183 210 288 497 Income after taxes............................... 50,555 522 7,890 12,559 17,393 24,161 33,912 42,954 56,405 108,447 Addenda: Net change in total assets and liabilities....... -8,435 -4,403 721 180 -1,043 -6,251 1,479 -8,251 -9,078 -21,110 Net change in total assets...................... 7,392 894 2,120 1,096 1,999 1,507 10,211 3,544 8,131 15,663 Net change in total liabilities................. 15,828 5,296 1,399 916 3,042 7,758 8,732 11,796 17,210 36,773 Other financial information: Other money receipts............................ 438 d/ 85 d/ 236 220 131 371 232 328 343 920 Mortgage principal paid on owned property....... -1,843 -537 -266 -286 -616 -669 -865 -1,166 -1,871 -4,503 Estimated market value of owned home............ 116,967 42,403 37,510 56,004 60,664 68,755 83,182 95,887 127,852 221,184 Estimated monthly rental value of owned home.... 730 275 245 395 421 459 554 635 804 1,301 Gifts of goods and services...................... 1,175 451 248 473 682 632 793 789 1,230 2,433 Food............................................ 65 d/ 2 30 16 d/ 5 32 28 23 87 150 Alcoholic beverages............................. 16 d/ 2 d/ 7 d/ 7 d/ 10 d/ 5 19 11 19 31 Housing......................................... 260 34 69 122 98 129 164 199 268 561 Housekeeping supplies.......................... 54 d/ 9 d/ 14 29 22 32 41 48 69 97 Household textiles............................. 19 d/ 1 b/ d/ 6 d/ 13 15 8 16 18 42 Appliances and miscellaneous housewares.................................... 39 d/ 3 d/ 4 d/ 15 d/ 14 14 28 45 17 99 Major appliances.............................. 19 c/ d/ 3 d/ 3 d/ 3 d/ 1 d/ 5 d/ 31 d/ 2 58 Small appliances and miscellaneous housewares................................... 20 d/ 3 d/ 2 d/ 11 d/ 11 14 24 13 15 41 Miscellaneous household equipment.............. 69 6 11 21 23 24 44 52 108 136 Other housing.................................. 79 d/ 16 39 52 26 43 42 38 56 187 Apparel and services............................ 264 128 47 187 180 138 208 240 358 431 Males, 2 and over.............................. 68 33 12 52 33 28 63 80 110 92 Females, 2 and over............................ 101 d/ 20 14 74 62 30 77 89 136 186 Children under 2............................... 35 8 9 6 25 22 30 41 42 57 Other apparel products and services............ 61 d/ 67 d/ 12 d/ 55 d/ 60 57 38 29 71 95 Jewelry and watches........................... 26 d/ 8 d/ 6 d/ 5 d/ 9 41 13 15 33 45 All other apparel products and services....... 34 d/ 59 d/ 6 d/ 50 d/ 51 d/ 17 25 d/ 14 38 51 Transportation.................................. 59 d/ 7 d/ 1 12 19 83 71 65 63 82 Health care..................................... 98 d/ 140 d/ 26 d/ 7 d/ 189 d/ 102 118 22 79 142 Entertainment................................... 90 d/ 25 27 15 34 66 79 90 109 156 Toys, games, arts and crafts, and tricycles.... 33 d/ 12 d/ 18 7 22 21 28 43 38 52 Other entertainment............................ 56 d/ 13 9 8 12 44 51 47 71 104 Personal care products and services............. 19 d/ 2 d/ 6 10 7 8 12 32 25 31 Reading......................................... 1 d/ 1 b/ b/ d/ 1 1 1 1 3 2 Education....................................... 211 d/ 20 d/ 14 d/ 70 d/ 13 38 20 60 121 675 All other gifts................................. 92 90 22 27 125 31 73 47 99 173 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 0.5. c No data reported. d Data are likely to have large sampling errors.