Table 31. Northeastern 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)........... 20,454 954 1,220 1,570 1,359 2,312 2,047 1,844 2,963 6,186 Consumer unit characteristics: Income before taxes a/ .......................... $59,187 $1,611 $7,958 $12,516 $17,471 $24,551 $34,531 $44,511 $59,504 $124,502 Income after taxes a/ ........................... 56,885 1,697 7,932 12,588 17,442 24,460 33,805 43,431 57,595 118,381 Age of reference person.......................... 50.0 41.3 55.6 59.9 59.0 53.3 50.5 47.3 46.4 46.8 Average number in consumer unit: Persons......................................... 2.4 1.6 1.5 1.7 1.8 2.1 2.3 2.5 2.7 3.1 Children under 18............................... .6 .3 .3 .4 .3 .5 .5 .6 .7 .8 Persons 65 and over............................. .3 .2 .4 .6 .6 .5 .4 .2 .2 .2 Earners......................................... 1.3 .6 .3 .5 .6 .9 1.2 1.4 1.7 2.0 Vehicles........................................ 1.7 .5 .6 .7 1.0 1.1 1.5 1.8 2.1 2.5 Percent distribution: Sex of reference person: Male............................................ 50 35 38 37 42 46 49 54 56 59 Female.......................................... 50 65 62 63 58 54 51 46 44 41 Housing tenure: Homeowner....................................... 64 19 30 42 52 53 59 69 73 87 With mortgage.................................. 38 6 6 9 13 16 28 43 52 67 Without mortgage............................... 26 14 24 33 39 37 31 26 21 20 Renter.......................................... 36 81 70 58 48 47 41 31 27 13 Race of reference person: Black or African-American....................... 11 18 21 16 12 14 11 8 7 7 White, Asian, and All Other Races............... 89 82 79 84 88 86 89 92 93 93 Education of reference person: Elementary (1-8)................................ 5 11 13 12 10 6 4 3 1 1 High school (9-12).............................. 39 37 51 58 57 49 50 44 34 20 College......................................... 56 51 36 30 33 44 45 53 64 79 Never attended and other........................ b/ 1 1 b/ b/ b/ b/ b/ b/ b/ At least one vehicle owned or leased............. 81 36 47 55 71 74 85 88 94 95 Average annual expenditures....................... $45,430 $16,505 $15,597 $19,612 $22,877 $27,734 $33,295 $38,373 $48,243 $78,546 Food............................................. 6,236 3,716 2,984 3,219 3,490 4,263 5,282 5,514 6,537 9,689 Food at home.................................... 3,553 2,360 2,050 2,287 2,285 2,739 3,118 3,205 3,841 5,012 Cereals and bakery products.................... 515 379 294 358 350 395 443 476 562 709 Cereals and cereal products................... 171 157 109 135 109 132 161 142 178 234 Bakery products............................... 343 222 185 223 240 263 282 333 384 475 Meats, poultry, fish, and eggs................. 965 618 593 581 592 760 884 911 1,054 1,336 Beef.......................................... 266 167 157 137 173 206 239 232 290 381 Pork.......................................... 179 134 105 146 118 138 177 188 203 223 Other meats................................... 134 87 83 85 72 105 121 119 154 188 Poultry....................................... 183 107 128 116 88 131 169 162 216 258 Fish and seafood.............................. 158 87 88 68 108 140 134 171 146 230 Eggs.......................................... 44 36 31 30 33 39 45 39 46 56 Dairy products................................. 399 292 207 233 262 334 341 375 429 557 Fresh milk and cream.......................... 148 128 93 89 122 138 135 137 158 191 Other dairy products.......................... 250 164 114 144 141 197 206 239 271 367 Fruits and vegetables.......................... 625 407 332 430 425 511 565 578 626 879 Fresh fruits.................................. 205 134 98 121 129 176 173 182 189 309 Fresh vegetables.............................. 203 123 101 150 132 163 186 170 209 290 Processed fruits.............................. 127 88 76 89 99 106 113 129 133 167 Processed vegetables.......................... 90 62 57 70 64 65 93 97 95 114 Other food at home............................. 1,049 663 625 684 657 739 885 866 1,170 1,531 Sugar and other sweets........................ 137 82 90 89 97 97 118 109 134 205 Fats and oils................................. 91 66 69 69 61 69 89 86 96 119 Miscellaneous foods........................... 502 310 286 324 322 329 395 409 562 754 Nonalcoholic beverages........................ 284 194 160 189 167 227 255 241 336 389 Food prepared by consumer unit on out-of-town trips............................ 36 c/ 9 c/ 20 c/ 13 c/ 10 17 28 20 42 65 Food away from home............................. 2,683 1,356 934 932 1,205 1,524 2,164 2,309 2,695 4,676 Alcoholic beverages.............................. 577 218 126 308 152 275 415 605 638 995 Housing.......................................... 15,481 6,298 6,366 8,302 9,060 10,502 11,942 13,068 15,650 25,595 Shelter......................................... 9,442 3,892 4,096 4,944 5,583 6,215 7,286 7,889 9,628 15,635 Owned dwellings................................ 6,194 1,061 1,069 1,539 2,593 2,529 3,660 4,891 6,421 12,458 Mortgage interest and charges................. 3,000 c/ 271 239 330 508 744 1,426 2,253 3,501 6,538 Property taxes................................ 2,051 478 542 788 1,075 1,167 1,468 1,574 2,090 3,772 Maintenance, repairs, insurance, other expenses..................................... 1,143 312 287 421 1,010 619 765 1,064 830 2,147 Rented dwellings............................... 2,682 2,756 2,925 3,333 2,887 3,526 3,416 2,673 2,660 1,867 Other lodging.................................. 566 c/ 75 c/ 101 72 103 160 210 325 546 1,310 Utilities, fuels, and public services........... 3,012 1,103 1,454 1,833 2,223 2,438 2,735 2,962 3,326 4,257 Natural gas.................................... 540 167 290 344 478 508 522 549 536 726 Electricity.................................... 954 360 457 602 676 749 845 948 1,092 1,341 Fuel oil and other fuels....................... 310 c/ 81 115 195 282 264 319 249 326 445 Telephone services............................. 970 450 516 567 626 735 844 941 1,087 1,400 Water and other public services................ 238 45 77 125 162 183 204 275 285 344 Household operations............................ 826 168 231 788 336 574 385 441 544 1,650 Personal services.............................. 374 c/ 82 c/ 118 631 c/ 173 311 95 176 191 712 Other household expenses....................... 451 87 113 158 163 263 290 265 354 938 Housekeeping supplies........................... 592 369 248 299 366 417 469 515 583 945 Laundry and cleaning supplies.................. 143 65 81 68 149 102 134 157 133 199 Other household products....................... 292 216 86 150 112 200 215 255 264 504 Postage and stationery......................... 157 88 81 82 105 115 120 103 187 242 Household furnishings and equipment............. 1,609 766 337 437 551 858 1,068 1,261 1,568 3,108 Household textiles............................. 181 67 50 38 56 137 98 199 159 330 Furniture...................................... 396 123 93 75 123 167 223 303 348 834 Floor coverings................................ 55 c/ 22 c/ 7 31 c/ 10 24 29 65 40 111 Major appliances............................... 205 c/ 28 24 70 73 109 155 182 222 383 Small appliances, miscellaneous housewares.................................... 92 38 28 29 58 67 71 57 98 159 Miscellaneous household equipment.............. 680 488 135 193 231 353 492 456 701 1,292 Apparel and services............................. 2,097 1,212 944 1,007 1,158 1,325 1,594 1,568 1,828 3,680 Men and boys.................................... 449 204 159 208 223 236 265 373 409 834 Men, 16 and over............................... 359 170 120 137 183 154 216 289 301 697 Boys, 2 to 15.................................. 90 34 38 71 40 82 49 83 108 136 Women and girls................................. 879 525 435 408 525 565 661 628 780 1,530 Women, 16 and over............................. 757 441 389 353 465 475 584 549 684 1,301 Girls, 2 to 15................................. 122 84 47 55 60 90 77 79 96 228 Children under 2................................ 73 c/ 23 c/ 19 54 56 57 43 60 76 118 Footwear........................................ 402 344 229 217 251 312 428 356 362 582 Other apparel products and services............. 294 115 101 120 104 155 198 152 201 617 Transportation................................... 7,422 1,804 1,851 2,430 3,152 4,307 5,167 6,579 9,880 12,576 Vehicle purchases (net outlay).................. 3,132 c/ 531 c/ 634 1,018 1,163 1,674 2,095 2,642 4,785 5,238 Cars and trucks, new........................... 1,684 c/ 400 c/ 458 c/ 315 c/ 780 668 934 1,339 2,411 3,052 Cars and trucks, used.......................... 1,379 c/ 130 c/ 176 703 383 1,006 1,160 1,249 2,232 2,042 Other vehicles................................. 69 d/ d/ d/ d/ d/ c/ 1 c/ 53 c/ 142 144 Gasoline and motor oil.......................... 1,287 403 381 464 626 846 1,072 1,305 1,656 2,011 Other vehicle expenses.......................... 2,389 612 608 705 1,129 1,362 1,612 2,223 2,872 4,178 Vehicle finance charges........................ 266 49 c/ 21 53 63 115 215 263 384 462 Maintenance and repairs........................ 598 207 193 199 310 393 403 495 746 1,001 Vehicle insurance.............................. 976 224 294 343 521 653 756 1,012 1,164 1,578 Vehicle rental, leases, licenses, other charges....................................... 551 132 101 110 235 200 238 452 578 1,136 Public transportation........................... 613 259 228 243 234 425 388 410 567 1,149 Health care...................................... 2,296 687 1,029 1,759 2,085 1,973 2,293 2,141 2,367 3,107 Health insurance................................ 1,281 403 668 994 1,242 1,155 1,324 1,216 1,337 1,645 Medical services................................ 542 132 122 374 334 335 482 490 579 869 Drugs........................................... 381 119 196 350 428 407 411 364 363 448 Medical supplies................................ 92 c/ 33 43 41 82 75 75 70 88 146 Entertainment.................................... 2,131 806 578 823 820 1,658 1,436 1,796 2,242 3,712 Fees and admissions............................. 590 177 109 114 109 239 289 393 568 1,274 Television, radios, sound equipment............. 823 341 352 455 440 568 726 773 891 1,277 Pets, toys, hobbies, and playground equipment... 432 114 90 205 176 744 236 343 450 628 Other entertainment supplies, equipment, and services................................... 286 175 27 49 95 107 184 287 333 534 Personal care products and services.............. 604 257 218 258 302 404 433 515 645 1,020 Reading.......................................... 151 44 61 69 88 107 125 141 137 256 Education........................................ 1,128 635 417 170 107 263 378 605 738 2,725 Tobacco products and smoking supplies............ 312 181 198 223 298 311 318 392 414 306 Miscellaneous.................................... 675 318 296 247 361 459 608 859 747 984 Cash contributions............................... 1,191 156 321 328 950 530 794 931 892 2,393 Personal insurance and pensions.................. 5,129 175 208 469 854 1,358 2,509 3,657 5,528 11,508 Life and other personal insurance............... 419 58 63 115 194 128 232 277 410 890 Pensions and Social Security.................... 4,709 117 144 354 660 1,231 2,277 3,380 5,118 10,618 Sources of income and personal taxes: a/ Money income before taxes........................ 59,187 1,611 7,958 12,516 17,471 24,551 34,531 44,511 59,504 124,502 Wages and salaries.............................. 48,744 1,280 1,686 3,864 7,127 13,556 24,671 36,187 51,179 109,569 Self-employment income.......................... 2,259 c/ -1,138 c/ 52 c/ 57 325 588 936 949 1,809 5,870 Social Security, private and government retirement..................................... 5,654 444 3,962 6,933 8,281 8,364 7,170 5,605 4,543 4,920 Interest, dividends, rental income, other property income................................ 1,420 88 114 196 410 685 798 636 992 3,334 Unemployment and workers' compensation, veterans' benefits............................. 325 c/ 38 c/ 183 c/ 122 313 452 290 441 354 367 Public assistance, supplemental security income, food stamps............................ 310 407 1,254 983 581 365 188 c/ 143 c/ 90 53 Regular contributions for support............... 312 160 335 152 314 377 349 428 435 240 Other income.................................... 163 331 372 208 c/ 119 165 128 c/ 121 101 148 Personal taxes................................... 2,302 -87 25 -72 29 91 726 1,080 1,909 6,120 Federal income taxes............................ 1,535 -89 -54 -111 -103 -75 314 554 1,136 4,365 State and local income taxes.................... 544 -35 b/ -11 26 25 220 353 488 1,379 Other taxes..................................... 223 c/ 37 79 50 106 140 192 173 285 377 Income after taxes............................... 56,885 1,697 7,932 12,588 17,442 24,460 33,805 43,431 57,595 118,381 Addenda: Net change in total assets and liabilities....... -10,387 -3,626 -1,066 48 709 -22 -6,175 -4,053 -6,267 -27,481 Net change in total assets...................... 7,192 1,475 57 1,318 1,029 1,460 6,310 8,718 9,196 13,346 Net change in total liabilities................. 17,579 5,101 1,123 1,270 319 1,482 12,485 12,771 15,463 40,827 Other financial information: Other money receipts............................ 591 c/ 274 c/ 41 2,023 c/ 30 204 869 488 695 541 Mortgage principal paid on owned property....... -1,840 c/ -177 -321 -217 -338 -541 -657 -1,346 -1,936 -4,116 Estimated market value of owned home............ 153,710 31,062 40,782 63,880 83,460 89,332 120,367 106,492 143,606 287,129 Estimated monthly rental value of owned home.... 857 214 265 395 491 541 612 684 893 1,504 Gifts of goods and services...................... 1,401 466 272 624 396 466 1,059 858 1,117 2,947 Food............................................ 129 57 c/ 24 64 c/ 22 32 167 53 108 258 Alcoholic beverages............................. 27 c/ 10 c/ 1 c/ 12 20 c/ 7 15 c/ 24 27 50 Housing......................................... 291 175 85 233 84 132 239 181 191 572 Housekeeping supplies.......................... 80 c/ 45 c/ 36 21 18 29 55 37 62 172 Household textiles............................. 15 c/ 4 c/ 14 c/ 12 c/ 2 c/ 15 c/ 14 c/ 9 c/ 14 22 Appliances and miscellaneous housewares.................................... 19 c/ 4 c/ 9 c/ 1 c/ 7 c/ 21 c/ 27 c/ 8 24 29 Major appliances.............................. 4 c/ 4 d/ d/ c/ 4 c/ 4 c/ 8 c/ 2 c/ 5 6 Small appliances and miscellaneous housewares................................... 15 d/ c/ 9 c/ 1 c/ 3 c/ 16 c/ 19 c/ 6 19 23 Miscellaneous household equipment.............. 70 107 c/ 10 60 25 28 56 47 56 125 Other housing.................................. 108 c/ 14 c/ 17 139 c/ 33 39 86 80 36 224 Apparel and services............................ 297 132 95 195 158 133 301 263 290 490 Males, 2 and over.............................. 86 c/ 67 47 c/ 35 58 41 63 61 76 152 Females, 2 and over............................ 101 c/ 33 c/ 36 91 46 43 91 73 114 167 Children under 2............................... 41 c/ 8 c/ 4 37 37 25 29 39 42 66 Other apparel products and services............ 69 c/ 23 c/ 8 c/ 32 c/ 17 25 119 90 59 104 Jewelry and watches........................... 16 c/ 6 c/ 2 c/ 4 c/ 4 c/ 7 18 c/ 10 21 29 All other apparel products and services....... 52 c/ 17 c/ 6 c/ 28 c/ 13 c/ 17 c/ 101 c/ 81 c/ 38 75 Transportation.................................. 38 c/ 8 c/ 11 c/ 22 6 11 31 24 86 53 Health care..................................... 23 c/ 4 b/ c/ 10 c/ 10 c/ 7 c/ 7 c/ 7 24 52 Entertainment................................... 76 c/ 22 c/ 17 c/ 43 47 48 56 52 55 144 Toys, games, arts and crafts, and tricycles.... 26 c/ 6 c/ 6 c/ 32 c/ 17 19 20 18 26 39 Other entertainment............................ 50 c/ 16 c/ 11 c/ 11 31 29 35 33 29 105 Personal care products and services............. 26 35 c/ 12 b/ c/ 8 c/ 12 22 22 35 43 Reading......................................... 2 b/ b/ c/ 1 c/ 1 c/ 1 c/ 2 c/ 1 1 3 Education....................................... 410 c/ 5 c/ 3 c/ 2 c/ 5 c/ 65 163 165 185 1,135 All other gifts................................. 82 17 24 42 35 15 57 67 114 147 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 Data are likely to have large sampling errors. d No data reported.