Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 11,843 588 481 552 1,218 1,158 1,235 2,331 4,278 Income before taxes a/ ...................... $65,091 $5,443 $12,654 $17,246 $24,787 $34,415 $44,544 $59,459 $114,148 Income after taxes a/ ....................... 61,009 5,762 13,314 17,800 24,625 33,587 42,533 56,428 105,161 Age of the reference person.................. 40.4 38.3 40.6 39.2 39.4 39.0 39.0 40.0 42.2 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.7 2.0 1.8 1.7 1.7 1.6 1.7 1.7 1.6 Persons 65 and over......................... .1 .1 .1 .1 .1 .1 .1 b/ .1 Earners..................................... 2.0 1.4 1.4 1.6 1.8 1.9 2.0 2.2 2.3 Vehicles.................................... 2.6 1.4 1.6 1.7 2.0 2.4 2.6 2.8 3.1 Percent distribution: Male........................................ 58 28 40 42 52 55 65 62 64 Female...................................... 42 72 60 58 48 45 35 38 36 Homeowner................................... 74 44 38 35 53 62 73 84 92 With mortgage.............................. 62 27 21 22 37 50 63 71 81 Without mortgage........................... 13 17 16 13 16 13 11 13 11 Renter...................................... 26 56 62 65 47 38 27 16 8 Black....................................... 12 27 28 21 15 18 10 7 7 White and other............................. 88 73 72 79 85 82 90 93 93 Elementary (1-8)............................ 4 10 16 12 9 7 3 3 1 High school (9-12).......................... 37 59 56 65 53 47 42 36 21 College..................................... 58 30 27 23 36 46 55 61 79 Never attended and other.................... c/ c/ c/ c/ 1 d/ c/ c/ c/ At least one vehicle owned or leased........ 95 69 82 81 92 96 98 99 98 Average annual expenditures.................. $55,642 $27,008 $30,361 $28,290 $32,594 $39,768 $46,340 $53,033 $81,445 Food........................................ 7,589 5,000 5,773 4,867 5,390 5,888 7,952 7,618 9,716 Food at home............................. 4,417 3,745 3,612 3,550 3,536 3,712 4,855 4,388 5,152 Cereals and bakery products............ 675 532 499 511 554 583 686 694 800 Cereals and cereal products.......... 239 247 201 193 215 208 278 236 260 Bakery products...................... 436 285 298 318 339 375 408 458 540 Meats, poultry, fish, and eggs......... 1,132 1,141 1,067 1,109 1,025 967 1,303 1,039 1,240 Beef................................. 347 361 340 327 345 302 415 310 368 Pork................................. 232 279 229 249 218 188 270 215 244 Other meats.......................... 147 116 141 124 127 139 168 142 161 Poultry.............................. 212 206 188 216 166 178 240 216 231 Fish and seafood..................... 151 138 127 155 123 117 160 116 192 Eggs................................. 43 41 42 39 46 43 50 39 43 Dairy products......................... 483 372 340 335 366 410 528 514 570 Fresh milk and cream................. 203 162 188 154 176 197 227 214 215 Other dairy products................. 280 211 152 181 190 213 301 300 355 Fruits and vegetables.................. 716 620 623 583 594 605 745 670 858 Fresh fruits......................... 216 193 141 149 181 187 220 194 272 Fresh vegetables..................... 212 171 201 170 193 165 205 190 265 Processed fruits..................... 169 159 151 146 124 150 164 169 200 Processed vegetables................. 119 98 131 118 95 103 155 117 121 Other food at home..................... 1,410 1,080 1,083 1,012 997 1,147 1,593 1,471 1,684 Sugar and other sweets............... 173 116 110 144 118 121 215 167 218 Fats and oils........................ 114 101 116 100 84 103 125 116 125 Miscellaneous foods.................. 687 503 549 462 477 564 815 706 821 Nonalcoholic beverages............... 385 335 279 293 298 336 401 421 437 Food prepared by consumer unit on out-of-town trips................... 53 e/ 25 e/ 27 e/ 14 19 23 38 61 83 Food away from home.................... 3,172 1,255 2,162 1,317 1,854 2,175 3,097 3,230 4,563 Alcoholic beverages......................... 386 172 210 200 318 189 226 351 630 Housing..................................... 17,489 9,695 10,280 8,895 10,165 12,627 13,566 16,320 25,746 Shelter.................................. 9,979 5,633 5,606 5,106 5,786 7,237 7,573 9,173 14,766 Owned dwellings........................ 7,650 2,961 2,573 1,401 2,838 4,455 5,232 7,433 12,723 Mortgage interest and charges........ 5,030 1,773 1,156 902 1,699 3,014 3,573 4,928 8,418 Property taxes....................... 1,612 816 459 323 663 905 939 1,621 2,668 Maintenance, repairs, insurance,other expenses............................ 1,007 372 957 176 477 536 720 883 1,637 Rented dwellings....................... 1,800 2,515 2,926 3,566 2,812 2,632 2,076 1,300 1,026 Other lodging.......................... 529 e/ 158 e/ 108 e/ 139 135 150 265 440 1,017 Utilities, fuels, and public services.... 3,332 2,432 2,410 2,382 2,663 3,057 3,027 3,295 4,054 Natural gas............................ 453 329 297 240 311 413 379 453 589 Electricity............................ 1,203 956 1,001 982 1,093 1,132 1,132 1,199 1,362 Fuel oil and other fuels............... 123 e/ 45 e/ 57 e/ 86 67 136 101 124 165 Telephone services..................... 1,144 852 842 846 871 1,030 1,065 1,104 1,410 Water and other public services........ 407 250 213 228 322 346 350 414 528 Household operations..................... 1,333 345 356 351 468 621 718 1,179 2,405 Personal services...................... 858 183 197 267 311 436 506 819 1,494 Other household expenses............... 475 163 159 84 156 185 212 360 911 Housekeeping supplies.................... 767 413 431 421 470 574 791 803 1,045 Laundry and cleaning supplies.......... 203 188 173 167 191 167 234 210 220 Other household products............... 401 179 191 206 212 307 407 449 549 Postage and stationery................. 163 e/ 47 66 48 67 99 150 144 276 Household furnishings and equipment...... 2,080 871 1,477 636 778 1,139 1,457 1,870 3,475 Household textiles..................... 172 e/ 34 e/ 206 70 70 84 136 109 305 Furniture.............................. 593 354 627 219 234 328 262 485 999 Floor coverings........................ 63 e/ 43 e/ 59 e/ 7 e/ 6 30 42 67 102 Major appliances....................... 251 166 165 e/ 73 81 178 201 284 361 Small appliances, miscellaneous housewares............................ 120 22 33 35 53 59 77 101 222 Miscellaneous household equipment...... 881 252 386 233 334 459 739 825 1,485 Apparel and services........................ 2,719 1,659 1,689 1,749 1,750 1,992 2,047 2,664 3,879 Men and boys............................. 696 284 363 437 365 512 539 729 1,008 Men, 16 and over....................... 464 113 202 252 206 357 347 502 693 Boys, 2 to 15.......................... 232 171 161 185 159 155 192 227 315 Women and girls.......................... 999 535 588 590 634 697 704 1,083 1,434 Women, 16 and over..................... 697 417 390 346 470 446 450 791 1,010 Girls, 2 to 15......................... 303 118 198 244 163 251 254 292 424 Children under 2......................... 178 104 182 150 174 183 171 160 202 Footwear................................. 505 573 377 427 388 443 456 469 619 Other apparel products and services...... 341 164 180 144 189 156 177 223 616 Transportation.............................. 11,024 5,305 7,023 7,381 7,024 9,268 10,266 10,569 14,821 Vehicle purchases (net outlay)........... 5,390 2,657 3,970 4,550 3,363 4,647 5,288 5,068 7,016 Cars and trucks, new................... 2,220 e/ 754 d/ e/ 200 e/ 1,132 e/ 989 1,876 1,764 3,922 Cars and trucks, used.................. 3,058 1,804 3,970 4,350 2,231 3,645 3,409 3,256 2,827 Other vehicles......................... 112 e/ 99 d/ d/ d/ e/ 13 e/ 3 e/ 48 267 Gasoline and motor oil................... 1,867 978 1,101 1,289 1,420 1,633 1,843 1,968 2,293 Other vehicle expenses................... 3,322 1,317 1,728 1,337 2,042 2,735 2,889 3,193 4,759 Vehicle finance charges................ 536 136 207 234 328 532 530 625 679 Maintenance and repairs................ 899 425 537 383 641 785 820 848 1,232 Vehicle insurance...................... 1,094 452 683 521 724 1,009 1,046 1,122 1,429 Vehicle rental, leases, licenses, other charges.............................. 794 304 301 198 349 409 493 599 1,420 Public transportation.................... 446 353 224 206 199 253 247 341 752 Health care................................. 2,257 871 1,264 927 1,542 1,965 2,352 2,490 2,866 Health insurance......................... 1,075 440 672 407 683 1,041 1,165 1,202 1,319 Medical services......................... 697 240 263 221 414 448 699 829 946 Drugs.................................... 377 165 279 268 384 389 402 351 440 Medical supplies......................... 108 26 e/ 49 e/ 31 60 87 86 108 161 Entertainment............................... 2,884 1,499 1,219 937 1,375 1,658 2,118 2,636 4,669 Fees and admissions...................... 852 438 290 126 226 365 378 705 1,594 Television, radios, sound equipment...... 952 536 543 489 616 703 825 888 1,355 Pets, toys, and playground equipment..... 502 280 204 161 298 325 458 530 725 Other entertainment supplies, equipment,and services.................. 578 245 181 162 234 264 457 514 996 Personal care products and services......... 712 558 453 450 521 497 674 714 933 Reading..................................... 170 67 56 53 81 85 121 154 284 Education................................... 982 470 364 482 350 457 504 936 1,679 Tobacco products and smoking supplies....... 401 416 409 463 537 477 439 401 318 Miscellaneous............................... 999 442 261 392 683 794 981 755 1,520 Cash contributions.......................... 1,353 320 338 222 623 692 790 1,190 2,392 Personal insurance and pensions............. 6,676 534 1,022 1,271 2,236 3,178 4,302 6,235 11,992 Life and other personal insurance........ 583 260 314 175 320 365 370 497 951 Pensions and Social Security............. 6,094 274 708 1,096 1,915 2,814 3,932 5,737 11,041 Sources of income and personal taxes: a/ Money income before taxes.................. 65,091 5,443 12,654 17,246 24,787 34,415 44,544 59,459 114,148 Wages and salaries....................... 58,049 2,733 7,646 12,422 20,765 29,274 40,176 55,443 102,202 Self-employment income................... 3,431 24 e/ 301 489 856 1,774 1,790 1,988 7,072 Social Security, private and government retirement................... 1,557 816 1,813 2,180 1,574 1,948 1,467 937 1,804 Interest, dividends, rental income, other property income................... 854 e/ 11 e/ 50 e/ -8 99 228 160 293 2,062 Unemployment and workers'' compensation, veterans'' benefits..................... 272 e/ 106 e/ 193 e/ 148 450 322 458 292 192 Public assistance, supplemental security, income, food stamps..................... 346 1,397 2,083 1,167 408 229 74 69 144 Regular contributions for support........ 475 247 419 727 513 488 279 320 605 Other income............................. 106 e/ 109 e/ 149 e/ 122 121 152 141 116 68 Personal taxes............................. 4,082 -319 -659 -554 162 828 2,012 3,031 8,987 Federal income taxes..................... 3,178 -357 -699 -609 -20 505 1,395 2,188 7,277 State and local income taxes............. 733 -16 18 20 118 227 488 701 1,410 Other taxes.............................. 171 e/ 54 e/ 22 e/ 35 64 96 128 143 300 Income after taxes......................... 61,009 5,762 13,314 17,800 24,625 33,587 42,533 56,428 105,161 Net change in total assets and liabilities... -6,875 -2,463 -3,515 -364 -3,427 -5,507 -8,481 -8,516 -8,694 Net change in total assets............... 5,863 1,581 -843 1,628 2,005 2,249 2,403 5,018 11,288 Net change in total liabilities.......... 12,738 4,044 2,672 1,992 5,432 7,756 10,884 13,535 19,982 Other financial information: Other money receipts..................... 407 e/ 416 e/ 67 e/ 120 52 702 292 362 559 Mortgage principal paid on owned property................................ -2,128 -614 -586 -388 -624 -996 -1,240 -1,866 -3,868 Estimated market value of owned home..... 126,163 50,590 43,996 32,987 48,470 72,308 81,484 117,500 212,145 Estimated monthly rental value of owned home.................................... 838 379 316 261 413 544 586 845 1,302 Gifts of goods and services................. 1,060 456 605 470 512 798 685 919 1,706 Food..................................... 71 e/ 33 e/ 7 e/ 46 16 98 33 51 117 Alcoholic beverages...................... 19 e/ 21 d/ e/ 19 e/ 3 e/ 12 e/ 1 6 41 Housing.................................. 293 126 110 112 125 206 225 319 447 Housekeeping supplies.................. 48 e/ 16 e/ 22 29 20 33 33 53 75 Household textiles..................... 17 d/ d/ e/ 1 c/ e/ 4 e/ 43 23 23 Appliances and miscellaneous housewares........................... 23 e/ 3 e/ 8 e/ 2 e/ 4 e/ 6 22 34 35 Major appliances..................... 4 d/ d/ d/ e/ 3 e/ 2 e/ 9 5 5 Small appliances and miscellaneous housewares......................... 18 e/ 3 e/ 8 e/ 2 e/ 1 e/ 4 e/ 12 29 30 Miscellaneous household equipment...... 69 20 e/ 34 e/ 8 28 64 32 83 109 Other housing.......................... 136 88 e/ 45 71 73 99 96 127 205 Apparel and services..................... 265 166 209 171 117 220 217 210 404 Males, 2 and over...................... 61 e/ 20 e/ 82 e/ 46 15 64 27 31 104 Females, 2 and over.................... 82 e/ 23 e/ 39 e/ 21 e/ 17 76 42 70 143 Children under 2....................... 75 42 e/ 29 e/ 40 73 45 60 69 111 Other apparel products and services.... 48 e/ 81 e/ 58 e/ 64 e/ 12 e/ 36 e/ 88 40 46 Jewelry and watches.................. 10 e/ 1 e/ 2 e/ 5 e/ 5 e/ 11 e/ 6 8 16 All other apparel products and services............................ 37 e/ 80 e/ 56 e/ 60 e/ 7 e/ 24 e/ 82 e/ 31 29 Transportation........................... 46 11 10 e/ 11 126 43 9 21 61 Health care.............................. 29 c/ e/ 2 e/ 12 e/ 4 e/ 18 e/ 8 e/ 12 63 Entertainment............................ 81 e/ 41 e/ 38 e/ 50 39 67 52 73 125 Toys, games, hobbies, and tricycles.... 24 e/ 10 e/ 6 e/ 9 18 21 23 21 33 Other entertainment.................... 57 e/ 31 e/ 32 41 21 46 30 52 92 Personal care products and services...... 21 e/ 11 e/ 1 e/ 1 19 5 49 36 19 Reading.................................. 1 d/ d/ c/ c/ c/ c/ 1 2 Education................................ 181 e/ 31 e/ 171 e/ 37 e/ 40 95 68 149 336 All other gifts.......................... 52 16 57 e/ 12 22 34 22 42 90 a Components of income and taxes are derived from "complete income reporters" only; see glossary. 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.