Table 27. Consumer units with reference person age 35 to 44 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)........... 22,669 631 760 923 884 2,347 2,628 2,448 4,320 7,729 Consumer unit characteristics: Income before taxes a/ .......................... $63,597 - $1,579 $7,880 $12,623 $17,517 $24,777 $34,485 $44,499 $59,500 $115,779 Income after taxes a/ ........................... 61,086 -1,269 8,211 13,027 17,764 25,003 33,889 43,754 57,636 109,693 Age of reference person.......................... 39.7 40.0 39.6 40.0 39.8 39.7 39.5 39.7 39.5 39.8 Average number in consumer unit: Persons......................................... 3.2 2.6 2.5 2.6 3.0 2.8 3.0 3.2 3.3 3.6 Children under 18............................... 1.3 1.1 1.1 1.1 1.3 1.2 1.2 1.3 1.3 1.5 Persons 65 and over............................. b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners......................................... 1.6 .9 .7 1.0 1.1 1.3 1.5 1.7 1.8 2.0 Vehicles........................................ 2.1 1.0 .9 1.1 1.2 1.5 1.8 2.2 2.4 2.7 Percent distribution: Sex of reference person: Male............................................ 50 37 36 39 45 42 46 53 56 54 Female.......................................... 50 63 64 61 55 58 54 47 44 46 Housing tenure: Homeowner....................................... 69 36 30 33 34 44 60 69 77 89 With mortgage.................................. 58 21 15 18 22 30 49 57 66 81 Without mortgage............................... 11 15 15 15 11 14 11 12 11 8 Renter.......................................... 31 64 70 67 66 56 40 31 23 11 Race of reference person: Black or African-American....................... 14 27 34 28 23 20 14 12 12 7 White, Asian, and All Other Races............... 86 73 66 72 77 80 86 88 88 93 Education of reference person: Elementary (1-8)................................ 4 7 7 8 13 9 6 3 1 1 High school (9-12).............................. 36 57 59 60 51 48 43 45 36 20 College......................................... 60 37 34 31 36 43 51 52 62 79 Never attended and other........................ c/ d/ c/ 1 c/ c/ c/ c/ d/ d/ At least one vehicle owned or leased............. 91 61 57 74 81 84 93 95 97 97 Average annual expenditures....................... $49,826 $23,357 $17,320 $21,899 $22,415 $28,181 $33,901 $40,466 $49,589 $76,493 Food............................................. 6,711 4,495 3,191 4,601 3,706 4,603 5,308 5,862 6,681 9,124 Food at home.................................... 3,844 3,165 2,035 3,413 2,549 3,053 3,166 3,604 3,707 4,852 Cereals and bakery products.................... 552 481 305 468 411 430 458 516 530 692 Cereals and cereal products................... 194 195 119 190 170 139 173 181 183 234 Bakery products............................... 358 286 187 278 240 290 285 335 346 458 Meats, poultry, fish, and eggs................. 991 883 601 1,058 730 878 820 997 952 1,165 Beef.......................................... 296 236 178 269 207 270 256 305 275 351 Pork.......................................... 198 223 103 298 188 197 153 189 200 214 Other meats................................... 126 116 82 139 84 106 94 119 123 155 Poultry....................................... 180 150 104 174 131 149 158 182 175 214 Fish and seafood.............................. 146 115 97 134 83 110 116 158 136 182 Eggs.......................................... 45 42 37 43 37 47 42 44 43 49 Dairy products................................. 429 377 201 367 292 318 359 394 419 547 Fresh milk and cream.......................... 173 166 92 188 130 137 154 164 168 206 Other dairy products.......................... 256 210 108 179 162 181 204 230 251 341 Fruits and vegetables.......................... 616 504 306 498 384 487 553 593 559 787 Fresh fruits.................................. 200 136 84 149 110 156 174 209 164 266 Fresh vegetables.............................. 197 167 96 166 119 148 188 186 188 246 Processed fruits.............................. 125 99 69 91 80 107 105 111 115 162 Processed vegetables.......................... 95 102 57 92 74 77 86 87 92 113 Other food at home............................. 1,256 921 621 1,022 733 940 975 1,103 1,247 1,660 Sugar and other sweets........................ 152 137 76 123 95 117 114 136 151 199 Fats and oils................................. 98 85 56 91 71 74 80 100 94 119 Miscellaneous foods........................... 622 459 264 494 366 436 477 522 588 859 Nonalcoholic beverages........................ 340 234 214 298 195 298 280 325 362 407 Food prepared by consumer unit on out-of-town trips............................ 44 e/ 6 e/ 12 e/ 15 e/ 7 15 23 19 52 76 Food away from home............................. 2,867 1,330 1,156 1,188 1,156 1,549 2,142 2,258 2,975 4,272 Alcoholic beverages.............................. 516 338 112 211 184 204 288 529 578 762 Housing.......................................... 16,561 9,144 7,137 8,296 8,865 10,175 11,611 13,519 15,451 25,116 Shelter......................................... 9,781 5,755 4,355 4,948 5,553 6,324 7,113 8,015 8,955 14,682 Owned dwellings................................ 6,978 2,434 1,166 1,290 1,549 2,469 3,972 5,256 6,458 12,447 Mortgage interest and charges................. 4,543 1,668 633 772 1,003 1,532 2,647 3,416 4,330 8,053 Property taxes................................ 1,515 475 307 347 350 515 756 1,021 1,343 2,805 Maintenance, repairs, insurance, other expenses..................................... 920 291 226 171 196 422 569 820 786 1,589 Rented dwellings............................... 2,405 3,219 3,156 3,576 3,918 3,787 3,015 2,532 2,159 1,421 Other lodging.................................. 399 e/ 102 e/ 33 e/ 81 e/ 86 67 126 227 337 814 Utilities, fuels, and public services........... 3,230 2,154 1,918 2,206 2,192 2,448 2,715 3,071 3,326 4,096 Natural gas.................................... 449 200 247 274 267 346 370 407 431 613 Electricity.................................... 1,176 876 826 899 916 905 1,038 1,147 1,205 1,421 Fuel oil and other fuels....................... 108 e/ 46 e/ 53 75 e/ 52 60 79 121 101 154 Telephone services............................. 1,126 840 639 777 742 899 925 1,048 1,200 1,404 Water and other public services................ 370 192 153 181 215 238 303 349 390 504 Household operations............................ 977 190 194 228 271 286 370 487 759 1,982 Personal services.............................. 551 e/ 67 e/ 94 e/ 106 136 119 138 202 401 1,201 Other household expenses....................... 426 123 100 122 134 167 231 285 358 780 Housekeeping supplies........................... 678 257 291 405 303 394 496 510 669 1,014 Laundry and cleaning supplies.................. 169 76 119 150 124 136 152 161 183 196 Other household products....................... 345 121 122 192 130 179 247 238 314 552 Postage and stationery......................... 164 61 e/ 50 63 49 79 97 111 171 266 Household furnishings and equipment............. 1,896 788 379 509 548 723 918 1,436 1,743 3,342 Household textiles............................. 158 e/ 39 32 61 66 55 126 91 110 285 Furniture...................................... 532 138 162 61 138 181 211 335 506 994 Floor coverings................................ 56 e/ 3 e/ 2 e/ 19 e/ 8 18 6 40 58 107 Major appliances............................... 232 93 e/ 43 102 71 91 126 297 240 344 Small appliances, miscellaneous housewares.................................... 96 e/ 20 24 37 35 50 57 61 86 164 Miscellaneous household equipment.............. 823 496 116 228 230 328 391 611 743 1,449 Apparel and services............................. 2,157 1,690 1,091 1,283 1,510 1,250 1,651 1,271 1,938 3,299 Men and boys.................................... 532 303 151 265 282 288 449 337 514 815 Men, 16 and over............................... 357 216 90 140 197 140 315 216 373 546 Boys, 2 to 15.................................. 176 87 62 125 85 148 134 121 141 269 Women and girls................................. 817 486 374 454 495 445 552 454 737 1,311 Women, 16 and over............................. 591 293 287 298 346 273 428 310 552 955 Girls, 2 to 15................................. 225 193 87 156 149 171 124 144 185 356 Children under 2................................ 94 e/ 44 e/ 42 52 89 64 52 80 82 139 Footwear........................................ 423 e/ 734 e/ 420 382 478 304 427 257 376 511 Other apparel products and services............. 292 122 104 129 166 149 171 142 228 524 Transportation................................... 9,097 3,815 2,499 3,415 3,417 5,208 6,431 7,848 10,358 13,281 Vehicle purchases (net outlay).................. 4,239 e/ 1,717 e/ 931 1,398 1,071 2,334 2,818 3,465 5,208 6,236 Cars and trucks, new........................... 2,244 e/ 784 e/ 421 e/ 354 e/ 155 759 1,264 1,103 2,734 3,880 Cars and trucks, used.......................... 1,913 e/ 932 510 1,044 916 1,575 1,484 2,305 2,268 2,276 Other vehicles................................. 81 d/ d/ d/ d/ d/ e/ 70 e/ 57 206 80 Gasoline and motor oil.......................... 1,739 866 718 930 1,032 1,182 1,455 1,708 1,902 2,274 Other vehicle expenses.......................... 2,691 1,074 695 926 1,187 1,500 1,936 2,426 2,900 3,984 Vehicle finance charges........................ 458 166 e/ 46 102 97 224 318 443 536 686 Maintenance and repairs........................ 695 286 187 270 376 437 498 611 723 1,021 Vehicle insurance.............................. 1,044 443 339 440 600 628 875 998 1,165 1,417 Vehicle rental, leases, licenses, other charges....................................... 493 179 123 114 115 212 244 373 476 860 Public transportation........................... 428 158 156 161 126 193 223 249 347 787 Health care...................................... 2,212 757 577 862 879 1,337 1,672 2,142 2,415 3,160 Health insurance................................ 1,163 266 239 364 415 662 913 1,207 1,379 1,612 Medical services................................ 631 259 154 235 245 404 447 484 605 994 Drugs........................................... 321 207 146 209 195 228 248 359 319 413 Medical supplies................................ 97 e/ 26 e/ 38 e/ 55 e/ 25 43 64 93 112 141 Entertainment.................................... 2,547 720 633 771 869 1,258 1,484 2,005 2,469 4,244 Fees and admissions............................. 658 117 92 77 109 213 301 473 556 1,264 Television, radios, sound equipment............. 910 424 364 402 480 594 662 831 969 1,284 Pets, toys, hobbies, and playground equipment... 464 121 103 147 206 283 348 410 458 703 Other entertainment supplies, equipment, and services................................... 514 58 74 144 74 168 173 290 485 993 Personal care products and services.............. 658 274 311 337 322 355 460 558 615 1,002 Reading.......................................... 120 45 50 47 34 54 69 91 115 203 Education........................................ 750 242 242 316 139 232 262 350 566 1,512 Tobacco products and smoking supplies............ 342 317 409 397 350 355 381 436 369 267 Miscellaneous.................................... 715 729 383 339 379 505 410 640 830 954 Cash contributions............................... 1,286 326 237 241 452 571 764 1,072 1,283 2,151 Personal insurance and pensions.................. 6,155 465 450 784 1,308 2,075 3,110 4,144 5,921 11,419 Life and other personal insurance............... 386 153 70 62 136 127 196 279 360 694 Pensions and Social Security.................... 5,770 312 380 722 1,171 1,948 2,914 3,865 5,562 10,725 Sources of income and personal taxes: a/ Money income before taxes........................ 63,597 -1,579 7,880 12,623 17,517 24,777 34,485 44,499 59,500 115,779 Wages and salaries.............................. 57,767 2,435 2,936 7,562 13,422 21,529 31,325 40,934 54,954 105,641 Self-employment income.......................... 2,991 -5,411 e/ 131 e/ 705 e/ 715 834 925 1,202 2,277 6,814 Social Security, private and government retirement..................................... 794 e/ 182 1,560 1,414 975 663 730 952 735 717 Interest, dividends, rental income, other property income................................ 629 e/ -58 e/ 27 e/ 23 e/ 23 57 265 130 336 1,505 Unemployment and workers' compensation, veterans' benefits............................. 327 e/ 121 452 526 e/ 263 406 400 370 310 261 Public assistance, supplemental security income, food stamps............................ 354 615 1,948 1,540 1,228 443 316 212 116 99 Regular contributions for support............... 570 268 533 643 653 721 459 569 624 544 Other income.................................... 165 e/ 269 e/ 292 e/ 210 e/ 237 125 64 128 149 198 Personal taxes................................... 2,511 -311 -331 -403 -247 -226 595 745 1,865 6,087 Federal income taxes............................ 1,732 -278 -335 -423 -330 -369 252 380 1,187 4,466 State and local income taxes.................... 617 -41 -19 7 56 101 251 269 500 1,327 Other taxes..................................... 162 e/ 9 e/ 23 e/ 12 27 42 92 96 178 293 Income after taxes............................... 61,086 -1,269 8,211 13,027 17,764 25,003 33,889 43,754 57,636 109,693 Addenda: Net change in total assets and liabilities....... -15,857 -1,217 3,006 435 -670 -7,537 -7,752 -16,371 -19,079 -25,907 Net change in total assets...................... 12,345 7,380 2,646 2,673 1,844 2,087 7,265 7,161 7,484 25,261 Net change in total liabilities................. 28,201 8,597 -360 2,238 2,514 9,624 15,016 23,532 26,564 51,168 Other financial information: Other money receipts............................ 478 e/ 87 e/ 107 e/ 47 e/ 164 131 520 264 518 770 Mortgage principal paid on owned property....... -2,226 -623 -441 -227 -368 -498 -1,072 -1,275 -1,865 -4,403 Estimated market value of owned home............ 138,182 43,276 23,711 27,568 37,500 49,862 74,511 96,913 123,940 251,412 Estimated monthly rental value of owned home.... 851 300 211 220 258 352 525 633 819 1,453 Gifts of goods and services...................... 965 408 173 378 470 311 609 684 1,042 1,559 Food............................................ 51 e/ 6 e/ 43 31 e/ 11 17 25 37 49 87 Alcoholic beverages............................. 23 e/ 17 d/ e/ 14 e/ 22 e/ 3 13 12 25 37 Housing......................................... 268 e/ 169 e/ 45 72 88 88 159 173 221 483 Housekeeping supplies.......................... 79 e/ 12 e/ 8 e/ 18 28 29 43 34 72 147 Household textiles............................. 16 d/ e/ 2 e/ 1 e/ 7 e/ 5 e/ 12 e/ 8 12 30 Appliances and miscellaneous housewares.................................... 30 e/ 9 e/ 1 e/ 1 e/ 15 e/ 3 e/ 23 e/ 10 15 63 Major appliances.............................. 11 e/ 6 d/ c/ e/ 6 d/ e/ 8 e/ 5 e/ 2 26 Small appliances and miscellaneous housewares................................... 19 e/ 3 e/ 1 e/ 1 e/ 9 e/ 3 e/ 15 e/ 5 13 37 Miscellaneous household equipment.............. 81 e/ 143 e/ 3 e/ 3 e/ 23 20 20 41 78 152 Other housing.................................. 62 e/ 4 e/ 32 49 e/ 14 31 62 81 44 90 Apparel and services............................ 292 163 56 211 207 105 256 181 334 418 Males, 2 and over.............................. 82 e/ 103 e/ 13 59 e/ 25 18 44 41 110 128 Females, 2 and over............................ 99 e/ 9 e/ 2 74 50 28 74 51 122 155 Children under 2............................... 44 e/ 12 e/ 33 e/ 16 e/ 46 25 25 44 34 67 Other apparel products and services............ 66 e/ 39 e/ 8 e/ 61 e/ 86 e/ 34 113 44 68 68 Jewelry and watches........................... 18 e/ 2 e/ 8 e/ 4 e/ 1 e/ 4 12 e/ 5 42 21 All other apparel products and services....... 48 e/ 37 d/ e/ 57 e/ 84 e/ 30 101 e/ 40 26 47 Transportation.................................. 38 e/ 6 e/ 2 e/ 3 e/ 8 6 21 87 45 47 Health care..................................... 29 e/ 6 e/ -9 d/ e/ 16 e/ 5 e/ 10 e/ 20 75 31 Entertainment................................... 71 e/ 23 e/ 8 e/ 16 e/ 19 34 50 53 77 115 Toys, games, arts and crafts, and tricycles.... 22 e/ 8 e/ 6 e/ 4 e/ 6 12 21 15 23 34 Other entertainment............................ 49 e/ 15 e/ 2 e/ 12 e/ 14 22 29 38 54 80 Personal care products and services............. 34 e/ 8 c/ e/ 8 12 8 27 43 22 55 Reading......................................... 1 d/ d/ d/ d/ c/ c/ c/ 1 1 Education....................................... 100 e/ 5 e/ 2 e/ 3 e/ 8 e/ 13 22 40 84 219 All other gifts................................. 59 e/ 7 e/ 27 e/ 20 79 33 25 38 108 67 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.