Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 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 over Number of consumer units (in thousands)...... 17,889 470 820 835 886 1,881 2,024 1,881 3,109 5,984 Income before taxes a/ ...................... $63,063 $329 $7,670 $12,506 $17,317 $24,579 $34,512 $44,070 $59,219 $119,121 Income after taxes a/ ....................... 58,745 -293 7,669 12,247 17,102 23,935 33,136 41,899 55,922 109,392 Age of the reference person.................. 49.3 49.7 49.5 49.5 49.4 49.3 49.1 49.3 49.3 49.3 Average number in consumer unit: Persons..................................... 2.7 2.1 1.8 2.2 2.2 2.4 2.4 2.4 2.8 3.1 Children under 18........................... .6 .4 .4 .6 .5 .6 .4 .5 .6 .7 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.8 1.0 .6 1.0 1.2 1.4 1.6 1.7 1.9 2.3 Vehicles.................................... 2.4 1.3 1.0 1.3 1.7 1.7 2.1 2.3 2.6 3.2 Percent distribution: Male........................................ 54 43 40 36 43 48 52 51 58 62 Female...................................... 46 57 60 64 57 52 48 49 42 38 Homeowner................................... 75 50 46 48 52 62 66 75 82 93 With mortgage.............................. 56 34 20 21 27 38 44 54 65 77 Without mortgage........................... 20 16 26 27 25 24 22 21 18 16 Renter...................................... 25 50 54 52 48 38 34 25 18 7 Black....................................... 11 20 23 20 20 15 12 14 9 6 White and other............................. 89 80 77 80 80 85 88 86 91 94 Elementary (1-8)............................ 4 10 11 11 10 8 5 3 2 1 High school (9-12).......................... 35 39 60 52 47 51 42 37 35 20 College..................................... 60 51 29 37 40 41 53 59 63 79 Never attended and other.................... c/ d/ 1 c/ 2 c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 92 66 58 68 84 89 95 96 99 98 Average annual expenditures.................. $50,936 $26,495 $16,080 $22,791 $26,794 $28,296 $36,817 $40,679 $50,117 $80,663 Food........................................ 6,637 4,586 2,859 3,378 3,815 4,372 5,586 5,788 6,881 9,390 Food at home............................. 3,752 2,946 2,124 2,268 2,758 2,852 3,622 3,456 3,854 4,763 Cereals and bakery products............ 539 363 294 308 391 409 509 487 571 692 Cereals and cereal products.......... 181 132 118 103 148 140 177 167 194 223 Bakery products...................... 357 231 176 205 243 269 332 320 377 469 Meats, poultry, fish, and eggs......... 999 961 626 623 844 827 1,027 931 1,025 1,185 Beef................................. 305 249 197 185 254 246 308 290 300 373 Pork................................. 211 250 150 143 211 197 243 179 223 224 Other meats.......................... 126 119 89 81 93 98 116 125 141 146 Poultry.............................. 181 155 101 130 146 145 179 186 183 216 Fish and seafood..................... 136 150 59 54 103 101 137 110 138 181 Eggs................................. 41 38 30 30 38 39 43 42 41 46 Dairy products......................... 399 289 253 243 302 299 350 365 416 515 Fresh milk and cream................. 156 132 112 114 131 133 154 142 151 188 Other dairy products................. 244 157 141 129 171 166 196 223 265 327 Fruits and vegetables.................. 628 490 315 382 420 498 614 547 635 817 Fresh fruits......................... 194 134 116 104 121 150 177 171 198 257 Fresh vegetables..................... 204 184 93 133 122 166 201 177 208 262 Processed fruits..................... 131 101 54 84 79 105 133 117 129 170 Processed vegetables................. 100 70 51 62 98 77 103 82 100 128 Other food at home..................... 1,186 845 636 711 801 820 1,121 1,126 1,208 1,555 Sugar and other sweets............... 138 111 63 88 78 111 121 151 130 179 Fats and oils........................ 106 84 66 65 80 91 103 92 111 130 Miscellaneous foods.................. 567 355 280 318 385 361 540 547 602 747 Nonalcoholic beverages............... 324 271 209 228 245 233 319 302 318 410 Food prepared by consumer unit on out-of-town trips................... 51 e/ 24 e/ 19 e/ 12 e/ 12 24 38 34 48 89 Food away from home.................... 2,886 1,639 735 1,110 1,057 1,520 1,964 2,332 3,027 4,627 Alcoholic beverages......................... 462 376 221 185 150 210 293 323 450 769 Housing..................................... 15,475 10,447 6,136 8,044 9,057 9,559 11,395 12,058 14,548 23,938 Shelter.................................. 9,103 6,376 3,562 4,642 5,364 5,558 6,591 7,082 8,326 14,255 Owned dwellings........................ 6,694 3,895 1,598 1,725 2,561 3,062 3,978 4,696 6,119 11,904 Mortgage interest and charges........ 4,004 2,517 794 949 1,308 1,776 2,140 2,933 3,564 7,281 Property taxes....................... 1,525 819 456 470 614 691 918 992 1,435 2,690 Maintenance, repairs, insurance,other expenses............................ 1,165 559 347 306 639 596 920 772 1,120 1,933 Rented dwellings....................... 1,735 2,161 1,895 2,743 2,656 2,328 2,430 2,082 1,656 912 Other lodging.......................... 674 320 e/ 69 e/ 174 147 167 184 304 550 1,439 Utilities, fuels, and public services.... 3,151 2,410 1,718 2,183 2,250 2,505 2,647 2,874 3,235 4,092 Natural gas............................ 414 288 183 273 240 298 348 386 398 577 Electricity............................ 1,131 903 754 870 876 985 980 1,042 1,163 1,384 Fuel oil and other fuels............... 117 e/ 154 e/ 46 54 126 102 84 82 109 164 Telephone services..................... 1,106 808 558 766 759 833 929 1,020 1,158 1,450 Water and other public services........ 382 258 178 219 249 288 305 344 406 517 Household operations..................... 613 222 140 211 230 266 347 410 485 1,151 Personal services...................... 158 e/ 39 e/ 10 e/ 5 e/ 33 47 89 122 125 314 Other household expenses............... 455 182 130 205 197 219 259 287 360 837 Housekeeping supplies.................... 679 605 250 389 331 410 566 518 761 962 Laundry and cleaning supplies.......... 164 149 114 142 89 127 133 142 177 207 Other household products............... 352 306 97 196 191 198 309 257 393 508 Postage and stationery................. 163 150 39 51 50 85 124 119 191 248 Household furnishings and equipment...... 1,929 834 466 620 881 820 1,243 1,174 1,742 3,479 Household textiles..................... 161 188 12 80 106 85 103 114 141 267 Furniture.............................. 472 117 127 140 132 217 221 290 345 933 Floor coverings........................ 64 e/ 13 e/ 32 e/ 2 e/ 6 18 29 28 38 141 Major appliances....................... 230 e/ 54 80 60 88 115 154 156 242 388 Small appliances, miscellaneous housewares............................ 116 110 40 42 67 58 77 70 111 193 Miscellaneous household equipment...... 887 352 175 296 483 326 659 515 866 1,557 Apparel and services........................ 2,274 2,015 686 875 1,640 1,165 1,397 1,970 2,380 3,485 Men and boys............................. 579 330 153 146 475 190 313 413 598 993 Men, 16 and over....................... 486 276 104 96 379 153 257 336 494 855 Boys, 2 to 15.......................... 93 54 49 51 96 36 56 77 104 139 Women and girls.......................... 924 852 232 413 617 499 567 908 1,032 1,337 Women, 16 and over..................... 803 819 198 348 545 424 514 822 884 1,151 Girls, 2 to 15......................... 120 e/ 32 34 66 72 75 53 86 148 187 Children under 2......................... 65 e/ 40 e/ 38 e/ 17 32 40 65 65 69 87 Footwear................................. 397 616 e/ 160 e/ 130 340 245 315 387 425 522 Other apparel products and services...... 309 177 103 168 176 191 137 197 257 546 Transportation.............................. 9,614 3,056 2,723 5,361 5,730 5,425 8,083 8,339 9,597 14,488 Vehicle purchases (net outlay)........... 4,453 e/ 796 e/ 1,115 3,260 2,938 2,412 4,194 3,975 4,070 6,666 Cars and trucks, new................... 2,001 e/ 641 e/ 362 e/ 684 e/ 552 e/ 371 1,349 1,258 1,845 3,776 Cars and trucks, used.................. 2,366 e/ 53 753 2,576 2,385 1,924 2,778 2,639 2,086 2,795 Other vehicles......................... 87 e/ 101 d/ d/ d/ e/ 117 e/ 66 e/ 78 e/ 139 e/ 95 Gasoline and motor oil................... 1,560 832 614 726 942 1,073 1,369 1,454 1,711 2,127 Other vehicle expenses................... 3,149 1,242 891 1,177 1,587 1,757 2,328 2,647 3,364 4,878 Vehicle finance charges................ 462 214 92 127 222 236 326 429 554 694 Maintenance and repairs................ 907 296 359 438 625 591 728 779 926 1,330 Vehicle insurance...................... 1,117 465 328 411 561 692 919 1,044 1,204 1,636 Vehicle rental, leases, licenses, other charges.............................. 663 266 111 201 179 238 356 396 680 1,218 Public transportation.................... 452 186 103 197 263 183 191 262 451 817 Health care................................. 2,473 1,691 995 1,332 1,361 1,766 2,130 2,384 2,571 3,374 Health insurance......................... 1,125 939 453 539 627 750 930 1,167 1,193 1,521 Medical services......................... 744 325 236 324 412 413 581 655 775 1,126 Drugs.................................... 478 357 263 403 263 529 497 441 492 539 Medical supplies......................... 126 69 43 65 59 74 122 121 111 188 Entertainment............................... 2,499 1,150 622 857 1,099 1,159 1,391 1,782 2,407 4,371 Fees and admissions...................... 676 259 110 181 236 207 266 374 554 1,364 Television, radios, sound equipment...... 815 447 364 484 416 533 643 688 875 1,166 Pets, toys, and playground equipment..... 463 290 107 149 357 310 302 381 501 695 Other entertainment supplies, equipment,and services.................. 546 153 41 44 90 108 180 338 477 1,147 Personal care products and services......... 625 472 273 332 344 350 463 538 650 921 Reading..................................... 179 78 50 77 82 88 114 143 183 294 Education................................... 1,145 386 218 352 622 257 323 514 849 2,431 Tobacco products and smoking supplies....... 418 393 421 371 411 478 488 452 486 338 Miscellaneous............................... 1,040 682 206 443 492 641 801 809 1,122 1,581 Cash contributions.......................... 1,686 664 253 294 526 647 950 1,170 1,734 3,040 Personal insurance and pensions............. 6,407 499 416 890 1,462 2,179 3,405 4,410 6,259 12,243 Life and other personal insurance........ 571 312 98 253 223 235 303 390 537 1,023 Pensions and Social Security............. 5,836 187 318 637 1,239 1,944 3,102 4,020 5,721 11,220 Sources of income and personal taxes: a/ Money income before taxes.................. 63,063 329 7,670 12,506 17,317 24,579 34,512 44,070 59,219 119,121 Wages and salaries....................... 55,581 1,838 2,530 6,312 12,796 19,261 29,852 39,209 54,652 106,020 Self-employment income................... 3,391 -2,178 161 249 752 1,027 1,541 1,944 1,618 7,845 Social Security, private and government retirement................... 1,924 346 2,518 3,275 2,252 2,768 1,751 1,801 1,591 1,735 Interest, dividends, rental income, other property income................... 986 -360 e/ 116 554 220 325 442 355 460 2,247 Unemployment and workers'' compensation, veterans'' benefits..................... 250 e/ 88 e/ 147 e/ 172 175 328 374 203 248 249 Public assistance, supplemental security, income, food stamps..................... 380 411 1,868 1,518 542 464 210 153 219 178 Regular contributions for support........ 440 e/ 85 241 269 446 294 265 279 352 719 Other income............................. 111 e/ 99 e/ 91 158 e/ 134 113 77 126 79 126 Personal taxes............................. 4,318 622 2 259 214 645 1,376 2,171 3,297 9,728 Federal income taxes..................... 3,291 485 -58 162 87 430 883 1,583 2,474 7,557 State and local income taxes............. 841 e/ 135 16 60 80 165 363 466 668 1,812 Other taxes.............................. 186 e/ 2 44 37 47 50 130 121 155 359 Income after taxes......................... 58,745 -293 7,669 12,247 17,102 23,935 33,136 41,899 55,922 109,392 Net change in total assets and liabilities... -7,714 260 630 2,027 -12,422 368 -2,237 143 -9,378 -16,143 Net change in total assets............... 4,840 202 4,725 4,647 -6,001 3,414 6,053 7,954 1,666 7,559 Net change in total liabilities.......... 12,553 -57 4,095 2,620 6,421 3,045 8,291 7,811 11,043 23,702 Other financial information: Other money receipts..................... 669 e/ 86 493 e/ 131 e/ 435 231 234 526 493 1,268 Mortgage principal paid on owned property................................ -2,179 -1,269 -531 -704 -658 -670 -1,004 -1,295 -2,016 -4,140 Estimated market value of owned home..... 125,617 83,360 47,801 54,722 49,120 59,343 72,692 84,157 112,792 219,231 Estimated monthly rental value of owned home.................................... 846 492 301 402 391 495 565 688 797 1,357 Gifts of goods and services................. 1,677 979 261 590 1,191 587 848 1,082 1,605 2,999 Food..................................... 161 e/ 46 e/ 16 37 e/ 50 48 100 82 132 320 Alcoholic beverages...................... 15 e/ 47 e/ 10 e/ 6 e/ 1 e/ 2 8 11 12 25 Housing.................................. 387 374 52 151 189 190 280 227 419 628 Housekeeping supplies.................. 52 78 e/ 6 e/ 23 e/ 11 27 53 26 63 76 Household textiles..................... 20 e/ 20 d/ e/ 14 e/ 23 e/ 8 e/ 24 e/ 17 8 33 Appliances and miscellaneous housewares........................... 31 e/ 39 e/ 9 e/ 11 e/ 30 e/ 8 22 22 25 53 Major appliances..................... 10 e/ 2 d/ e/ 2 e/ 4 e/ 1 e/ 12 e/ 3 8 20 Small appliances and miscellaneous housewares......................... 21 e/ 38 e/ 9 e/ 9 e/ 26 e/ 7 e/ 10 e/ 19 18 33 Miscellaneous household equipment...... 88 e/ 124 e/ 4 26 51 24 101 73 114 118 Other housing.......................... 195 111 33 e/ 76 75 122 80 90 208 347 Apparel and services..................... 310 248 105 116 265 135 177 293 346 465 Males, 2 and over...................... 86 e/ 32 e/ 12 e/ 40 116 31 34 100 82 138 Females, 2 and over.................... 117 143 e/ 35 33 59 37 63 108 147 177 Children under 2....................... 52 e/ 25 e/ 30 e/ 14 24 33 45 47 53 75 Other apparel products and services.... 55 e/ 47 e/ 28 e/ 29 e/ 67 34 36 38 64 76 Jewelry and watches.................. 20 e/ 8 e/ 5 e/ 6 e/ 6 14 9 19 27 29 All other apparel products and services............................ 35 e/ 39 e/ 23 e/ 23 e/ 60 e/ 20 e/ 27 e/ 19 37 46 Transportation........................... 90 20 6 9 154 57 28 168 55 135 Health care.............................. 46 e/ 18 e/ 1 e/ 32 e/ 11 e/ 33 24 25 49 76 Entertainment............................ 111 e/ 35 e/ 24 e/ 41 56 53 87 72 108 188 Toys, games, hobbies, and tricycles.... 38 e/ 16 e/ 9 e/ 8 e/ 28 20 34 35 48 53 Other entertainment.................... 73 e/ 19 e/ 16 e/ 34 28 33 53 37 60 135 Personal care products and services...... 31 e/ 11 e/ 18 47 56 e/ 7 5 13 47 44 Reading.................................. 1 d/ e/ 1 e/ 1 d/ 1 1 e/ 1 3 2 Education................................ 419 e/ 138 e/ 9 e/ 106 e/ 381 33 70 137 319 926 All other gifts.......................... 105 43 18 43 29 29 68 54 114 190 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.