Table 51. Housing tenure and type of area: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 2003 Housing tenure Type of area All Homeowner Urban Item consumer units Home- Home- Renter Rural Total owner owner Total Central Other with without city urban mortgage mortgage Number of consumer units (in thousands)...... 115,356 77,194 47,104 30,090 38,163 101,047 34,423 66,625 14,309 Income before taxes a/ ...................... $51,128 $62,053 $72,831 $44,609 $29,827 $52,728 $43,768 $57,352 $40,140 Income after taxes a/ ....................... 48,596 58,739 69,112 41,951 28,822 50,075 41,234 54,638 38,439 Age of the reference person.................. 48.4 52.2 46.0 62.0 40.6 48.0 46.8 48.6 51.1 Average number in consumer unit: Persons..................................... 2.5 2.6 3.0 2.1 2.2 2.5 2.4 2.6 2.4 Children under 18........................... .6 .7 .9 .3 .6 .6 .6 .7 .6 Persons 65 and over......................... .3 .4 .2 .7 .1 .3 .3 .3 .4 Earners..................................... 1.3 1.4 1.7 1.0 1.2 1.3 1.2 1.4 1.3 Vehicles.................................... 1.9 2.3 2.5 2.0 1.1 1.9 1.5 2.1 2.5 Percent distribution: Male........................................ 50 52 54 50 46 50 47 52 50 Female...................................... 50 48 46 50 54 50 53 48 50 Homeowner................................... 67 100 100 100 n.a. 65 52 72 80 With mortgage.............................. 41 61 100 n.a. n.a. 41 32 46 39 Without mortgage........................... 26 39 n.a. 100 n.a. 24 21 26 41 Renter...................................... 33 n.a. n.a. n.a. 100 35 48 28 20 Black or African American................... 12 9 9 9 19 13 21 9 5 White, Asian, and All Other Races........... 88 91 91 91 81 87 79 91 95 Elementary (1-8)............................ 6 5 3 9 8 6 7 5 9 High school (9-12).......................... 36 36 30 44 38 35 35 35 45 College..................................... 57 59 67 47 54 59 58 59 46 Never attended and other.................... b/ b/ b/ b/ 1 b/ b/ b/ b/ At least one vehicle owned or leased........ 88 95 97 90 73 87 79 91 92 Average annual expenditures.................. $40,817 $47,396 $55,419 $34,467 $27,522 $41,619 $36,444 $44,297 $35,157 Food....................................... 13.1 12.5 11.7 14.1 15.2 13.0 13.6 12.8 13.7 Food at home............................. 7.7 7.3 6.6 8.7 9.0 7.5 7.9 7.4 8.6 Cereals and bakery products............ 1.1 1.0 .9 1.3 1.2 1.1 1.1 1.1 1.2 Cereals and cereal products.......... .4 .3 .3 .4 .5 .4 .4 .4 .4 Bakery products...................... .7 .7 .6 .9 .8 .7 .7 .7 .8 Meats, poultry, fish, and eggs......... 2.0 1.9 1.7 2.2 2.5 2.0 2.1 1.9 2.5 Beef................................. .6 .6 .5 .6 .8 .6 .6 .5 .9 Pork................................. .4 .4 .4 .5 .5 .4 .4 .4 .5 Other meats.......................... .2 .2 .2 .3 .3 .2 .2 .2 .3 Poultry.............................. .4 .3 .3 .4 .5 .4 .4 .3 .3 Fish and seafood..................... .3 .3 .3 .3 .4 .3 .3 .3 .3 Eggs................................. .1 .1 .1 .1 .1 .1 .1 .1 .1 Dairy products......................... .8 .8 .7 .9 .9 .8 .8 .8 .9 Fresh milk and cream................. .3 .3 .3 .4 .4 .3 .3 .3 .4 Other dairy products................. .5 .5 .4 .6 .5 .5 .5 .5 .5 Fruits and vegetables.................. 1.3 1.2 1.1 1.6 1.6 1.3 1.4 1.3 1.3 Fresh fruits......................... .4 .4 .4 .5 .5 .4 .5 .4 .4 Fresh vegetables..................... .4 .4 .4 .5 .5 .4 .5 .4 .4 Processed fruits..................... .3 .2 .2 .3 .3 .3 .3 .3 .2 Processed vegetables................. .2 .2 .2 .3 .2 .2 .2 .2 .3 Other food at home..................... 2.4 2.3 2.2 2.7 2.8 2.4 2.5 2.4 2.8 Sugar and other sweets............... .3 .3 .2 .4 .3 .3 .3 .3 .3 Fats and oils........................ .2 .2 .2 .3 .2 .2 .2 .2 .2 Miscellaneous foods.................. 1.2 1.1 1.1 1.3 1.4 1.2 1.2 1.2 1.3 Nonalcoholic beverages............... .7 .6 .6 .7 .8 .6 .7 .6 .8 Food prepared by consumer unit on out-of-town trips................... .1 .1 .1 .1 .1 .1 .1 .1 .1 Food away from home...................... 5.4 5.2 5.1 5.3 6.1 5.5 5.7 5.4 5.1 Alcoholic beverages......................... 1.0 .9 .9 .8 1.2 1.0 1.0 .9 .8 Housing..................................... 32.9 32.0 34.2 26.8 35.9 33.6 34.3 33.3 27.4 Shelter.................................. 19.3 17.9 20.7 10.9 24.4 20.0 21.0 19.6 13.6 Owned dwellings........................ 12.9 16.5 19.5 9.3 .2 13.2 11.2 14.0 10.4 Mortgage interest and charges........ 7.2 9.3 12.9 .3 .1 7.4 6.2 8.0 5.5 Property taxes....................... 3.3 4.2 3.9 5.0 .1 3.4 2.6 3.7 2.8 Maintenance, repairs, insurance,other expenses............................ 2.4 3.0 2.6 4.0 c/ 2.4 2.4 2.4 2.1 Rented dwellings....................... 5.3 .1 .1 .2 23.5 5.7 8.7 4.4 2.4 Other lodging.......................... 1.1 1.2 1.2 1.4 .7 1.1 1.0 1.2 .9 Utilities, fuels, and public services.... 6.9 7.0 6.5 8.3 6.5 6.8 6.9 6.8 7.5 Natural gas............................ 1.0 1.0 .9 1.3 .7 1.0 1.1 1.0 .6 Electricity............................ 2.5 2.6 2.3 3.2 2.4 2.4 2.4 2.4 3.2 Fuel oil and other fuels............... .3 .3 .2 .5 .1 .2 .1 .3 .7 Telephone services..................... 2.3 2.2 2.2 2.4 2.8 2.3 2.5 2.3 2.5 Water and other public services........ .8 .9 .9 1.1 .4 .8 .8 .8 .6 Household operations..................... 1.7 1.9 1.8 2.0 1.3 1.8 1.8 1.8 1.2 Personal services...................... .7 .7 .8 .6 .6 .7 .8 .7 .5 Other household expenses............... 1.0 1.1 1.0 1.3 .6 1.1 1.0 1.1 .7 Housekeeping supplies.................... 1.3 1.3 1.2 1.6 1.2 1.3 1.2 1.3 1.5 Laundry and cleaning supplies.......... .3 .3 .3 .4 .4 .3 .3 .3 .4 Other household products............... .6 .7 .6 .8 .5 .6 .6 .7 .7 Postage and stationery................. .3 .3 .3 .4 .3 .3 .3 .3 .4 Household furnishings and equipment...... 3.7 4.0 3.9 4.0 2.6 3.7 3.4 3.8 3.5 Household textiles..................... .3 .3 .3 .3 .2 .3 .3 .3 .2 Furniture.............................. 1.0 1.0 1.1 .9 .8 1.0 .9 1.0 .8 Floor coverings........................ .1 .2 .1 .2 c/ .1 .1 .1 .1 Major appliances....................... .5 .5 .5 .7 .3 .5 .5 .5 .5 Small appliances, miscellaneous housewares............................ .2 .2 .2 .2 .2 .2 .2 .2 .2 Miscellaneous household equipment...... 1.6 1.7 1.7 1.7 1.1 1.6 1.4 1.7 1.7 Apparel and services....................... 4.0 3.8 3.8 3.6 4.7 4.1 4.4 4.0 3.5 Men and boys............................. .9 .9 .9 .7 1.0 .9 1.0 .9 .8 Men, 16 and over....................... .7 .7 .7 .6 .8 .7 .8 .7 .5 Boys, 2 to 15.......................... .2 .2 .2 .2 .2 .2 .2 .2 .2 Women and girls.......................... 1.6 1.6 1.5 1.6 1.6 1.6 1.6 1.6 1.4 Women, 16 and over..................... 1.3 1.3 1.2 1.5 1.3 1.3 1.3 1.3 1.2 Girls, 2 to 15......................... .3 .3 .3 .2 .3 .3 .3 .3 .2 Children under 2......................... .2 .2 .2 .1 .3 .2 .2 .2 .2 Footwear................................. .7 .6 .6 .6 1.0 .7 .8 .7 .7 Other apparel products and services...... .6 .6 .6 .5 .8 .7 .8 .6 .4 Transportation............................. 19.1 19.4 19.5 19.5 17.8 18.4 18.1 18.5 24.6 Vehicle purchases (net outlay)........... 9.1 9.5 9.6 9.5 7.9 8.6 8.6 8.6 13.7 Cars and trucks, new................... 5.0 5.6 5.6 5.8 3.0 4.9 4.5 5.0 6.5 Cars and trucks, used.................. 3.9 3.7 3.8 3.5 4.8 3.6 4.0 3.4 6.8 Other vehicles......................... .2 .2 .2 .2 .1 .1 .1 .1 .4 Gasoline and motor oil................... 3.3 3.2 3.2 3.4 3.4 3.1 2.9 3.2 4.5 Other vehicle expenses................... 5.7 5.8 5.9 5.5 5.6 5.7 5.5 5.8 5.9 Vehicle finance charges................ .9 .9 1.1 .6 .9 .9 .8 .9 1.3 Maintenance and repairs................ 1.5 1.5 1.4 1.7 1.6 1.5 1.5 1.5 1.7 Vehicle insurance...................... 2.2 2.2 2.2 2.3 2.2 2.2 2.1 2.2 2.4 Vehicle rental, leases, licenses, other charges......................... 1.1 1.1 1.2 .9 1.0 1.1 1.1 1.1 .6 Public transportation.................... .9 .9 .9 1.1 1.0 1.0 1.2 .9 .5 Health care................................ 5.9 6.3 5.0 9.8 4.4 5.7 5.6 5.8 7.4 Health insurance......................... 3.1 3.3 2.6 5.1 2.3 3.0 2.7 3.1 3.9 Medical services......................... 1.4 1.6 1.3 2.1 1.1 1.4 1.5 1.4 1.6 Drugs.................................... 1.1 1.2 .8 2.2 .9 1.1 1.2 1.1 1.6 Medical supplies......................... .3 .3 .2 .4 .2 .3 .3 .2 .3 Entertainment.............................. 5.0 5.3 5.3 5.5 4.1 5.0 4.5 5.2 5.5 Fees and admissions...................... 1.2 1.3 1.4 1.2 .9 1.3 1.1 1.3 .7 Television, radios, sound equipment...... 1.8 1.7 1.7 1.8 2.0 1.8 1.8 1.8 1.7 Pets, toys, and playground equipment..... .9 1.0 .9 1.2 .7 .9 .8 .9 1.5 Other entertainment supplies, equipment,and services.................. 1.1 1.3 1.3 1.4 .5 1.1 .8 1.2 1.7 Personal care products and services........ 1.3 1.3 1.2 1.4 1.4 1.3 1.4 1.3 1.2 Reading.................................... .3 .3 .3 .4 .3 .3 .3 .3 .2 Education.................................. 1.9 1.8 1.9 1.4 2.4 2.0 2.0 2.1 1.0 Tobacco products and smoking supplies...... .7 .6 .6 .7 1.1 .7 .7 .6 1.1 Miscellaneous.............................. 1.5 1.5 1.4 1.8 1.4 1.5 1.4 1.5 1.5 Cash contributions......................... 3.4 3.7 3.0 5.5 2.2 3.4 3.3 3.5 2.7 Personal insurance and pensions............ 9.9 10.5 11.3 8.7 7.9 10.0 9.4 10.3 9.4 Life and other personal insurance........ 1.0 1.1 1.1 1.1 .5 1.0 .8 1.0 1.1 Pensions and Social Security............. 9.0 9.4 10.2 7.6 7.4 9.0 8.5 9.3 8.4 Sources of income and personal taxes: a/ Money income before taxes................. $51,128 $62,053 $72,831 $44,609 $29,827 $52,728 $43,768 $57,352 $40,140 Wages and salaries....................... 80.6 79.8 87.0 60.8 83.8 81.2 79.7 81.8 74.7 Self-employment income................... 4.2 4.7 4.5 5.2 2.1 4.0 4.1 3.9 6.2 Social Security, private and government retirement................... 11.0 11.7 5.7 27.7 7.9 10.5 11.1 10.2 15.1 Interest, dividends, rental income, other property income................... 2.1 2.5 1.6 4.8 .8 2.2 2.2 2.1 2.0 Unemployment and workers'' compensation, veterans'' benefits..................... .5 .5 .4 .5 .8 .5 .6 .5 .5 Public assistance, supplemental security, income, food stamps..................... .6 .3 .2 .5 2.0 .6 1.2 .4 .7 Regular contributions for support........ .7 .5 .5 .4 1.5 .7 .8 .6 .6 Other income............................. .3 .2 .2 .1 1.0 .3 .4 .3 .2 Personal taxes............................. 5.0 5.3 5.1 6.0 3.4 5.0 5.8 4.7 4.2 Federal income taxes..................... 3.6 3.9 3.6 4.6 2.4 3.7 4.4 3.4 2.8 State and local income taxes............. 1.0 1.0 1.1 .7 1.0 1.0 1.0 1.0 .9 Other taxes.............................. .4 .4 .4 .6 c/ .3 .3 .3 .6 Income after taxes.......................... 95.0 94.7 94.9 94.0 96.6 95.0 94.2 95.3 95.8 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Value less than 0.05. n.a. Not applicable.