Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 8,081 501 522 505 1,154 1,051 810 1,402 2,136 Income before taxes a/ ...................... $54,057 $2,529 $12,749 $17,542 $24,792 $34,267 $44,880 $59,037 $110,656 Income after taxes a/ ....................... 51,282 2,594 13,190 18,100 24,731 33,556 43,427 55,851 102,926 Age of the reference person.................. 40.9 42.3 40.5 40.9 39.3 39.7 38.8 40.3 43.5 Average number in consumer unit: Persons..................................... 5.6 5.7 5.7 5.7 5.7 5.6 5.5 5.6 5.5 Children under 18........................... 2.8 3.2 3.1 3.1 3.1 2.8 2.8 2.7 2.5 Persons 65 and over......................... .1 .1 .1 .2 .1 .1 .1 .1 .1 Earners..................................... 2.3 1.7 1.6 1.6 2.0 2.2 2.2 2.5 2.8 Vehicles.................................... 2.5 1.3 1.4 1.7 2.1 2.3 2.6 2.9 3.4 Percent distribution: Male........................................ 57 31 43 50 57 54 66 60 64 Female...................................... 43 69 57 50 43 46 34 40 36 Homeowner................................... 68 42 39 44 57 59 68 80 91 With mortgage.............................. 55 25 23 22 42 44 56 71 80 Without mortgage........................... 13 17 17 23 15 15 12 10 11 Renter...................................... 32 58 61 56 43 41 32 20 9 Black....................................... 16 31 33 29 16 15 15 12 10 White and other............................. 84 69 67 71 84 85 85 88 90 Elementary (1-8)............................ 9 18 18 18 13 11 6 5 3 High school (9-12).......................... 43 55 61 56 56 50 45 39 25 College..................................... 47 26 20 24 30 37 48 56 72 Never attended and other.................... 1 1 1 3 1 1 b/ b/ c/ At least one vehicle owned or leased........ 92 65 71 83 92 96 96 98 99 Average annual expenditures.................. $50,848 $28,087 $23,167 $27,808 $34,367 $39,459 $45,951 $54,791 $81,413 Food........................................ 8,247 6,349 5,046 5,671 6,800 7,472 7,887 8,576 10,815 Food at home............................. 5,298 4,871 3,860 4,362 4,738 5,042 4,986 5,438 6,285 Cereals and bakery products............ 826 726 550 653 721 791 708 861 1,024 Cereals and cereal products.......... 325 353 240 273 328 333 298 320 357 Bakery products...................... 501 374 309 380 393 458 410 540 667 Meats, poultry, fish, and eggs......... 1,423 1,586 1,208 1,390 1,507 1,372 1,364 1,386 1,481 Beef................................. 427 464 384 486 451 391 380 420 444 Pork................................. 303 326 238 295 323 315 329 282 301 Other meats.......................... 191 183 198 148 225 148 187 223 187 Poultry.............................. 261 273 236 193 283 269 275 222 285 Fish and seafood..................... 177 257 95 206 155 172 139 179 200 Eggs................................. 65 82 57 62 71 77 54 58 64 Dairy products......................... 597 529 354 445 506 629 564 636 704 Fresh milk and cream................. 262 273 184 226 241 312 209 271 283 Other dairy products................. 335 256 171 218 265 317 355 365 422 Fruits and vegetables.................. 843 809 664 690 717 817 811 796 1,031 Fresh fruits......................... 267 237 215 216 208 249 258 249 344 Fresh vegetables..................... 248 251 190 207 235 255 251 220 288 Processed fruits..................... 191 169 141 144 152 176 165 189 249 Processed vegetables................. 137 152 119 122 122 136 136 137 150 Other food at home..................... 1,609 1,220 1,083 1,184 1,287 1,433 1,540 1,760 2,045 Sugar and other sweets............... 229 167 134 170 165 216 184 231 322 Fats and oils........................ 143 148 114 120 157 129 134 147 154 Miscellaneous foods.................. 758 599 517 609 560 658 755 851 947 Nonalcoholic beverages............... 419 285 300 266 376 392 401 471 506 Food prepared by consumer unit on out-of-town trips................... 60 d/ 20 d/ 18 d/ 19 29 39 64 60 116 Food away from home.................... 2,949 1,479 1,186 1,309 2,062 2,430 2,901 3,137 4,530 Alcoholic beverages......................... 332 319 150 77 202 256 208 326 581 Housing..................................... 15,331 9,676 8,217 9,510 11,036 12,452 14,176 15,588 23,634 Shelter.................................. 8,530 5,435 4,676 5,406 6,064 6,864 7,920 8,421 13,395 Owned dwellings........................ 6,012 2,606 1,502 2,341 3,080 3,793 5,203 6,565 11,405 Mortgage interest and charges........ 3,961 1,636 845 984 1,915 2,471 3,602 4,418 7,648 Property taxes....................... 1,198 515 450 410 682 682 1,014 1,282 2,275 Maintenance, repairs, insurance,other expenses............................ 853 454 206 947 483 640 587 865 1,482 Rented dwellings....................... 2,129 2,717 3,089 3,016 2,879 2,920 2,434 1,524 1,033 Other lodging.......................... 389 d/ 112 d/ 85 d/ 49 105 150 283 332 957 Utilities, fuels, and public services.... 3,227 2,413 2,384 2,719 2,769 2,923 3,188 3,441 4,018 Natural gas............................ 408 333 306 417 301 373 408 428 511 Electricity............................ 1,194 989 1,002 1,066 1,096 1,072 1,156 1,269 1,398 Fuel oil and other fuels............... 89 d/ 60 49 66 83 68 85 100 119 Telephone services..................... 1,115 785 777 840 947 1,045 1,099 1,184 1,425 Water and other public services........ 421 246 250 330 342 366 440 459 564 Household operations..................... 853 327 209 208 331 509 677 976 1,724 Personal services...................... 544 216 d/ 157 131 194 338 461 668 1,055 Other household expenses............... 309 111 51 77 137 171 217 308 669 Housekeeping supplies.................... 830 490 459 402 504 803 653 766 1,323 Laundry and cleaning supplies.......... 281 209 178 207 211 250 213 211 445 Other household products............... 383 206 197 152 208 424 278 378 602 Postage and stationery................. 166 75 84 42 85 129 162 176 276 Household furnishings and equipment...... 1,890 1,010 490 775 1,368 1,352 1,738 1,984 3,174 Household textiles..................... 125 83 56 54 128 75 166 127 170 Furniture.............................. 453 215 128 167 327 277 391 473 819 Floor coverings........................ 51 d/ 31 d/ 2 d/ 12 d/ 16 57 41 29 111 Major appliances....................... 259 261 121 126 196 171 313 237 390 Small appliances, miscellaneous housewares............................ 114 73 34 27 120 50 77 94 213 Miscellaneous household equipment...... 888 347 150 390 580 722 749 1,024 1,471 Apparel and services........................ 3,127 2,289 1,957 2,051 2,482 2,588 2,535 2,676 4,855 Men and boys............................. 793 577 300 574 545 822 766 674 1,170 Men, 16 and over....................... 479 340 137 259 243 547 517 373 755 Boys, 2 to 15.......................... 314 238 162 315 302 275 249 300 415 Women and girls.......................... 1,131 546 770 598 680 764 908 966 2,001 Women, 16 and over..................... 781 355 552 418 343 475 579 650 1,486 Girls, 2 to 15......................... 351 191 218 180 336 289 329 316 515 Children under 2......................... 204 343 178 186 160 198 257 203 194 Footwear................................. 688 688 491 530 898 608 422 559 892 Other apparel products and services...... 311 134 218 163 199 196 183 274 599 Transportation.............................. 9,679 4,750 3,741 5,573 6,328 7,340 9,335 11,549 15,105 Vehicle purchases (net outlay)........... 4,505 1,914 1,373 2,729 2,889 2,772 4,321 5,926 7,162 Cars and trucks, new................... 1,675 d/ 195 d/ 254 d/ 1,150 d/ 690 d/ 756 d/ 1,248 1,649 3,658 Cars and trucks, used.................. 2,792 1,718 1,119 1,580 2,141 2,016 3,045 4,161 3,480 Other vehicles......................... 38 c/ c/ c/ d/ 59 c/ d/ 28 d/ 116 d/ 24 Gasoline and motor oil................... 1,727 887 975 1,136 1,324 1,613 1,805 1,960 2,338 Other vehicle expenses................... 3,027 1,705 1,208 1,429 1,897 2,682 2,963 3,363 4,726 Vehicle finance charges................ 498 208 105 345 322 463 479 660 712 Maintenance and repairs................ 916 574 408 421 581 988 943 930 1,348 Vehicle insurance...................... 1,006 557 491 510 686 902 986 1,158 1,488 Vehicle rental, leases, licenses, other charges.............................. 607 366 204 151 308 328 555 615 1,178 Public transportation.................... 419 244 186 279 218 274 245 299 878 Health care................................. 2,072 1,032 687 915 1,409 1,788 2,030 2,460 3,175 Health insurance......................... 952 468 268 448 666 904 1,082 1,116 1,373 Medical services......................... 633 340 85 154 407 416 491 728 1,168 Drugs.................................... 369 181 291 265 270 351 353 478 443 Medical supplies......................... 118 d/ 43 d/ 44 48 66 117 104 138 191 Entertainment............................... 2,549 1,228 955 1,135 1,329 1,679 2,173 2,843 4,584 Fees and admissions...................... 667 230 145 195 195 326 528 677 1,478 Television, radios, sound equipment...... 813 448 479 516 554 653 816 932 1,184 Pets, toys, and playground equipment..... 469 272 195 306 327 377 401 537 716 Other entertainment supplies, equipment,and services.................. 600 278 136 118 253 322 428 696 1,207 Personal care products and services......... 757 667 424 493 554 655 701 739 1,091 Reading..................................... 141 67 33 44 73 90 96 163 272 Education................................... 901 213 185 180 294 400 655 865 2,091 Tobacco products and smoking supplies....... 442 384 387 384 454 455 494 536 389 Miscellaneous............................... 941 389 327 365 646 740 887 1,200 1,456 Cash contributions.......................... 1,128 181 292 193 402 660 587 1,201 2,556 Personal insurance and pensions............. 5,200 543 767 1,216 2,358 2,885 4,188 6,070 10,809 Life and other personal insurance........ 497 235 171 207 229 261 372 629 931 Pensions and Social Security............. 4,703 309 596 1,010 2,128 2,624 3,816 5,441 9,878 Sources of income and personal taxes: a/ Money income before taxes.................. 54,057 2,529 12,749 17,542 24,792 34,267 44,880 59,037 110,656 Wages and salaries....................... 48,318 2,774 6,912 11,425 20,496 29,354 40,462 54,628 101,066 Self-employment income................... 1,966 -3,068 d/ 237 d/ 634 625 1,304 1,821 1,458 5,322 Social Security, private and government retirement................... 1,707 1,037 2,071 1,974 1,696 1,911 1,003 1,410 2,078 Interest, dividends, rental income, other property income................... 345 d/ -9 d/ 7 d/ 3 77 104 240 234 966 Unemployment and workers'' compensation, veterans'' benefits..................... 251 d/ 41 d/ 113 299 328 435 251 258 188 Public assistance, supplemental security, income, food stamps..................... 832 1,506 2,903 2,649 1,050 739 287 338 195 Regular contributions for support........ 406 d/ 99 315 336 364 346 509 473 485 Other income............................. 233 d/ 149 d/ 192 d/ 221 155 72 d/ 307 237 356 Personal taxes............................. 2,775 -65 -441 -558 61 711 1,453 3,186 7,731 Federal income taxes..................... 2,042 -107 -504 -534 -154 394 1,038 2,276 6,004 State and local income taxes............. 621 30 7 -34 152 232 352 749 1,528 Other taxes.............................. 112 d/ 12 d/ 55 d/ 10 63 85 62 161 199 Income after taxes......................... 51,282 2,594 13,190 18,100 24,731 33,556 43,427 55,851 102,926 Net change in total assets and liabilities... -1,356 -1,222 -715 -2,782 -2,857 -3,733 -453 -1,532 548 Net change in total assets............... 6,837 253 1,519 130 4,846 4,758 1,855 9,424 13,560 Net change in total liabilities.......... 8,192 1,475 2,234 2,912 7,703 8,492 2,308 10,956 13,012 Other financial information: Other money receipts..................... 366 d/ 142 d/ 18 d/ 4 140 32 135 685 753 Mortgage principal paid on owned property................................ -1,519 -507 -299 -907 -670 -788 -1,309 -1,729 -2,959 Estimated market value of owned home..... 95,532 49,149 29,332 36,311 53,541 54,529 79,370 102,618 180,971 Estimated monthly rental value of owned home.................................... 687 312 243 294 385 460 597 791 1,218 Gifts of goods and services................. 897 599 254 492 445 592 663 900 1,660 Food..................................... 77 d/ 11 d/ 21 d/ 16 d/ 9 66 d/ 29 75 169 Alcoholic beverages...................... 18 c/ d/ 3 c/ c/ d/ 18 d/ 7 4 48 Housing.................................. 264 134 61 116 125 175 215 303 470 Housekeeping supplies.................. 47 d/ 26 d/ 21 d/ 14 d/ 11 32 22 57 90 Household textiles..................... 9 d/ 1 c/ d/ 4 d/ 12 d/ 13 d/ 3 d/ 9 12 Appliances and miscellaneous housewares........................... 28 d/ 8 c/ d/ 3 d/ 8 d/ 26 d/ 18 d/ 14 64 Major appliances..................... 14 d/ 4 c/ c/ d/ 4 d/ 24 d/ 3 d/ 1 35 Small appliances and miscellaneous housewares......................... 13 d/ 4 c/ d/ 3 d/ 4 d/ 2 d/ 15 d/ 12 30 Miscellaneous household equipment...... 58 d/ 5 d/ 5 d/ 20 13 20 59 64 122 Other housing.......................... 122 95 d/ 35 76 82 84 113 159 182 Apparel and services..................... 210 311 96 178 181 162 206 171 292 Males, 2 and over...................... 45 d/ 45 d/ 22 d/ 20 38 20 45 39 75 Females, 2 and over.................... 53 d/ 108 d/ 17 d/ 27 43 48 49 38 78 Children under 2....................... 66 d/ 31 d/ 47 d/ 28 52 72 75 66 85 Other apparel products and services.... 46 d/ 127 d/ 10 d/ 103 d/ 48 d/ 23 d/ 36 28 53 Jewelry and watches.................. 12 d/ 2 d/ 10 d/ 8 d/ 2 d/ 3 d/ 8 d/ 11 27 All other apparel products and services............................ 34 d/ 126 c/ d/ 95 d/ 46 d/ 20 d/ 29 d/ 17 d/ 26 Transportation........................... 52 4 3 26 4 13 24 40 146 Health care.............................. 10 d/ 3 d/ 3 d/ 5 d/ 4 d/ 11 d/ 1 d/ 12 17 Entertainment............................ 93 d/ 47 d/ 15 d/ 47 41 44 51 96 194 Toys, games, hobbies, and tricycles.... 21 d/ 5 d/ 11 d/ 9 d/ 11 d/ 12 25 28 34 Other entertainment.................... 72 d/ 42 d/ 4 37 30 32 26 68 160 Personal care products and services...... 21 50 c/ d/ 3 d/ 5 18 d/ 17 26 33 Reading.................................. 1 c/ c/ b/ d/ 1 d/ 1 2 1 2 Education................................ 86 d/ 29 d/ 4 d/ 20 19 21 64 72 218 All other gifts.......................... 66 d/ 9 48 81 57 65 47 100 71 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.