Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000 Complete reporting of income a/ 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)...... 81,454 3,627 7,183 8,037 6,677 12,039 9,477 7,653 11,337 15,424 Income before taxes b/ ...................... $44,649 $1,980 $7,638 $12,316 $17,319 $24,527 $34,422 $44,201 $58,561 $112,586 Income after taxes b/ ....................... 41,532 1,942 7,192 12,245 17,070 23,666 32,720 41,498 54,432 102,578 Age of the reference person.................. 48.1 42.0 54.6 55.0 53.3 49.2 46.3 44.7 44.3 45.2 Average number in consumer unit: Persons..................................... 2.5 1.8 1.7 2.0 2.2 2.4 2.5 2.6 2.9 3.2 Children under 18........................... .7 .4 .4 .5 .5 .6 .7 .7 .8 .9 Persons 65 and over......................... .3 .2 .5 .5 .6 .4 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .7 .9 1.2 1.4 1.5 1.8 2.1 Vehicles.................................... 1.9 1.0 .9 1.2 1.4 1.7 1.9 2.2 2.5 2.9 Percent distribution: Male........................................ 53 42 32 40 46 52 54 61 62 65 Female...................................... 47 58 68 60 54 48 46 39 38 35 Homeowner................................... 65 33 42 51 58 58 63 67 79 88 With mortgage.............................. 39 12 7 14 20 27 38 47 60 72 Without mortgage........................... 26 20 35 37 38 31 25 20 19 16 Renter...................................... 35 67 58 49 42 42 37 33 21 12 Black....................................... 12 16 19 17 13 13 12 10 9 7 White and other............................. 88 84 81 83 87 87 88 90 91 93 Elementary (1-8)............................ 6 10 18 11 10 7 4 3 2 1 High school (9-12).......................... 39 37 48 52 52 45 42 38 32 20 College..................................... 55 53 33 36 37 48 54 59 66 79 Never attended and other.................... c/ c/ 1 1 1 c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 88 61 61 77 83 92 95 96 97 98 Average annual expenditures.................. $40,238 $17,946 $15,703 $21,199 $24,331 $29,852 $35,609 $42,323 $49,245 $75,964 Food........................................ 5,435 2,627 2,462 2,984 3,743 4,507 5,118 6,228 6,557 8,665 Food at home............................. 3,154 1,603 1,723 2,108 2,556 2,921 2,995 3,552 3,605 4,483 Cereals and bakery products............ 474 214 260 312 383 449 460 510 542 679 Cereals and cereal products.......... 163 76 100 106 131 176 159 177 183 213 Bakery products...................... 312 138 160 206 251 273 301 333 359 466 Meats, poultry, fish, and eggs......... 817 437 451 581 695 800 803 938 898 1,095 Beef................................. 243 124 125 175 217 230 244 278 268 329 Pork................................. 171 100 113 126 159 181 169 193 188 202 Other meats.......................... 104 60 52 79 82 105 105 122 121 133 Poultry.............................. 150 76 85 105 115 145 151 174 160 206 Fish and seafood..................... 114 54 50 66 87 103 90 134 128 184 Eggs................................. 36 23 25 30 35 35 45 37 34 41 Dairy products......................... 339 152 189 234 273 305 338 376 401 472 Fresh milk and cream................. 138 61 94 106 118 129 147 142 153 180 Other dairy products................. 201 90 96 128 155 176 192 233 248 292 Fruits and vegetables.................. 544 268 324 372 455 519 508 595 580 785 Fresh fruits......................... 170 74 101 121 142 168 159 182 172 248 Fresh vegetables..................... 166 78 97 113 134 160 152 177 177 248 Processed fruits..................... 120 70 78 79 95 110 113 128 134 175 Processed vegetables................. 87 47 49 58 83 81 85 107 97 114 Other food at home..................... 980 532 499 609 750 848 886 1,133 1,185 1,451 Sugar and other sweets............... 125 53 61 80 92 107 109 146 147 193 Fats and oils........................ 86 43 51 62 74 90 80 96 97 110 Miscellaneous foods.................. 460 262 203 278 353 376 405 523 570 710 Nonalcoholic beverages............... 265 137 163 168 208 244 257 324 317 353 Food prepared by consumer unit on out-of-town trips................... 44 37 21 21 23 31 35 45 54 85 Food away from home.................... 2,280 1,024 738 876 1,187 1,586 2,122 2,676 2,952 4,182 Alcoholic beverages......................... 423 231 168 227 187 301 373 393 549 788 Housing..................................... 12,527 6,670 5,559 7,576 7,995 9,372 11,115 12,872 14,914 22,932 Shelter.................................. 7,134 4,035 3,150 4,219 4,492 5,209 6,562 7,371 8,379 13,202 Owned dwellings........................ 4,599 1,561 1,060 1,849 2,096 2,466 3,735 4,466 6,121 10,619 Mortgage interest and charges........ 2,673 758 313 602 739 1,096 2,030 2,756 3,871 6,841 Property taxes....................... 1,084 485 426 639 682 717 924 920 1,302 2,244 Maintenance, repairs, insurance,other expenses............................ 842 318 321 608 675 654 781 791 948 1,533 Rented dwellings....................... 2,062 1,931 1,952 2,225 2,187 2,475 2,530 2,567 1,742 1,381 Other lodging.......................... 473 543 137 145 209 268 297 337 516 1,203 Utilities, fuels, and public services.... 2,487 1,468 1,559 1,881 2,084 2,224 2,444 2,596 2,873 3,543 Natural gas............................ 305 165 172 227 259 263 292 307 359 458 Electricity............................ 897 524 602 725 811 859 883 930 1,018 1,184 Fuel oil and other fuels............... 95 70 86 95 88 87 85 95 98 121 Telephone services..................... 890 558 550 626 686 754 899 955 1,041 1,309 Water and other public services........ 300 151 150 208 240 261 285 308 357 472 Household operations..................... 708 319 189 349 390 433 412 569 844 1,729 Personal services...................... 338 134 64 137 199 181 172 247 479 845 Other household expenses............... 370 185 125 212 191 252 240 322 365 885 Housekeeping supplies.................... 546 198 213 318 351 416 469 564 685 953 Laundry and cleaning supplies.......... 146 63 74 84 109 126 135 140 165 244 Other household products............... 258 88 92 125 179 176 235 256 356 448 Postage and stationery................. 142 47 47 109 63 114 99 168 164 262 Household furnishings and equipment...... 1,652 650 448 809 677 1,089 1,228 1,772 2,132 3,504 Household textiles..................... 115 14 23 73 48 95 97 116 130 236 Furniture.............................. 413 193 106 204 166 248 301 378 437 1,021 Floor coverings........................ 49 23 3 29 15 20 36 46 69 120 Major appliances....................... 195 101 87 142 104 143 151 216 230 362 Small appliances, miscellaneous housewares............................ 95 35 39 36 50 61 77 118 129 177 Miscellaneous household equipment...... 784 283 190 325 295 523 565 898 1,135 1,588 Apparel and services........................ 2,004 899 852 816 1,174 1,391 1,686 1,986 2,359 4,004 Men and boys............................. 483 228 146 170 297 347 398 398 578 1,022 Men, 16 and over....................... 382 156 119 132 226 266 309 309 461 824 Boys, 2 to 15.......................... 100 72 27 38 71 81 89 89 117 198 Women and girls.......................... 769 314 319 282 430 490 622 861 921 1,542 Women, 16 and over..................... 640 235 272 242 357 392 523 743 769 1,274 Girls, 2 to 15......................... 129 80 47 40 73 98 100 118 152 267 Children under 2......................... 93 57 46 59 71 66 81 107 116 148 Footwear................................. 374 163 237 164 243 302 369 392 443 609 Other apparel products and services...... 286 137 105 142 134 185 216 229 301 682 Transportation.............................. 7,568 2,993 2,594 4,365 4,639 5,745 7,303 8,715 9,656 13,366 Vehicle purchases (net outlay)........... 3,466 953 1,175 2,265 2,120 2,545 3,380 4,261 4,408 6,015 Cars and trucks, new................... 1,612 d/ 57 491 588 750 1,168 1,453 1,896 1,986 3,434 Cars and trucks, used.................. 1,804 896 681 1,671 1,357 1,353 1,926 2,302 2,317 2,456 Other vehicles......................... 50 e/ d/ 3 d/ 6 d/ 13 d/ 24 d/ 1 d/ 62 105 126 Gasoline and motor oil................... 1,316 738 526 742 934 1,088 1,340 1,484 1,729 2,059 Other vehicle expenses................... 2,345 1,046 730 1,136 1,348 1,812 2,223 2,605 3,029 4,313 Vehicle finance charges................ 337 87 64 121 152 251 340 411 542 595 Maintenance and repairs................ 659 325 273 402 432 556 634 745 771 1,115 Vehicle insurance...................... 798 360 267 421 540 695 825 927 1,052 1,271 Vehicle rental, leases, licenses, other charges.............................. 550 274 126 192 223 309 424 521 664 1,333 Public transportation.................... 441 256 163 222 237 300 360 366 489 978 Health care................................. 2,120 982 1,382 1,912 1,981 2,018 1,977 2,173 2,320 2,882 Health insurance......................... 985 503 658 879 928 977 953 1,031 1,083 1,259 Medical services......................... 583 241 304 425 420 474 529 605 679 984 Drugs.................................... 447 206 358 530 550 480 411 433 423 467 Medical supplies......................... 105 32 62 78 82 88 83 104 134 172 Entertainment............................... 1,958 989 649 995 911 1,399 1,658 1,982 2,507 3,912 Fees and admissions...................... 535 272 154 200 207 303 351 417 620 1,383 Television, radios, sound equipment...... 654 392 316 418 421 512 619 738 794 1,083 Pets, toys, and playground equipment..... 355 147 113 159 201 283 339 368 455 657 Other entertainment supplies, equipment,and services.................. 412 178 67 218 82 302 348 459 638 789 Personal care products and services......... 595 321 298 346 413 479 522 652 718 993 Reading..................................... 156 64 72 81 93 127 138 151 191 294 Education................................... 636 822 387 220 296 303 437 446 704 1,489 Tobacco products and smoking supplies....... 333 239 270 278 277 358 357 411 384 329 Miscellaneous............................... 832 355 402 423 573 692 804 1,006 1,068 1,328 Cash contributions.......................... 1,344 423 274 375 985 1,251 1,125 1,003 1,269 3,151 Personal insurance and pensions............. 4,308 330 334 602 1,063 1,908 3,000 4,303 6,051 11,830 Life and other personal insurance........ 415 156 107 199 241 311 354 338 500 901 Pensions and Social Security............. 3,893 174 227 403 822 1,597 2,645 3,965 5,551 10,929 Sources of income and personal taxes: b/ Money income before taxes.................. 44,649 1,980 7,638 12,316 17,319 24,527 34,422 44,201 58,561 112,586 Wages and salaries....................... 35,579 1,459 1,919 4,243 8,209 15,745 26,786 35,745 51,652 96,443 Self-employment income................... 2,344 -844 138 217 327 695 1,062 2,005 1,814 8,733 Social Security, private and government retirement................... 4,856 706 4,130 6,443 7,396 6,716 5,195 4,773 3,455 3,654 Interest, dividends, rental income, other property income................... 927 34 73 164 265 458 642 870 886 2,819 Unemployment and workers'' compensation, veterans'' benefits..................... 192 d/ 48 85 94 174 290 204 286 215 186 Public assistance, supplemental security, income, food stamps..................... 310 313 910 754 558 243 180 111 81 89 Regular contributions for support........ 309 141 210 227 252 294 265 330 317 483 Other income............................. 133 124 174 176 138 86 87 81 140 178 Personal taxes............................. 3,117 39 447 71 248 861 1,702 2,703 4,128 10,008 Federal income taxes..................... 2,409 9 337 -25 102 578 1,236 2,024 3,095 8,045 State and local income taxes............. 562 6 69 28 53 179 336 511 847 1,673 Other taxes.............................. 146 24 40 68 94 104 131 168 186 290 Income after taxes......................... 41,532 1,942 7,192 12,245 17,070 23,666 32,720 41,498 54,432 102,578 Net change in total assets and liabilities... 508 23,672 3,031 379 -191 -1,799 -2,586 -2,050 -3,059 1,848 Net change in total assets............... 6,568 24,283 3,284 963 1,565 2,231 4,089 3,324 4,487 17,065 Net change in total liabilities.......... 6,060 611 253 584 1,756 4,030 6,675 5,374 7,546 15,218 Other financial information: Other money receipts..................... 759 178 438 215 377 394 695 621 731 1,907 Mortgage principal paid on owned property................................ -1,140 -318 -167 -306 -412 -538 -835 -1,127 -1,513 -2,926 Estimated market value of owned home..... 88,989 40,008 38,335 51,671 60,981 60,417 68,825 80,089 102,153 185,099 Estimated monthly rental value of owned home.................................... 618 266 256 387 436 439 522 589 749 1,188 Gifts of goods and services................. 1,163 706 437 591 666 770 891 1,026 1,200 2,577 Food..................................... 66 d/ 36 10 20 18 30 33 56 81 183 Alcoholic beverages...................... 17 d/ 1 6 8 d/ 4 10 12 7 20 42 Housing.................................. 316 127 122 183 153 222 223 306 331 695 Housekeeping supplies.................. 44 18 11 18 22 37 34 46 59 81 Household textiles..................... 16 c/ d/ 5 d/ 6 d/ 4 21 7 23 23 26 Appliances and miscellaneous housewares........................... 34 d/ 9 13 13 17 14 25 51 50 63 Major appliances..................... 10 d/ 6 d/ 6 d/ 6 d/ 4 d/ 3 8 14 12 17 Small appliances and miscellaneous housewares......................... 24 d/ 2 d/ 8 d/ 6 d/ 13 11 17 37 38 46 Miscellaneous household equipment...... 78 17 24 49 54 59 77 63 83 154 Other housing.......................... 145 83 68 96 56 92 80 124 116 371 Apparel and services..................... 276 200 131 113 237 180 226 281 299 527 Males, 2 and over...................... 75 46 23 22 102 51 51 49 77 157 Females, 2 and over.................... 97 80 43 26 80 55 83 103 98 199 Children under 2....................... 47 19 21 28 29 32 44 57 56 83 Other apparel products and services.... 57 55 45 37 25 43 48 72 67 88 Jewelry and watches.................. 24 d/ 27 12 12 14 17 17 26 28 44 All other apparel products and services............................ 34 d/ 28 d/ 33 d/ 25 d/ 12 26 31 46 39 45 Transportation........................... 72 79 23 21 18 55 45 33 48 211 Health care.............................. 43 d/ 25 d/ 3 d/ 95 d/ 57 49 37 10 31 55 Entertainment............................ 102 72 28 47 51 100 113 105 106 181 Toys, games, hobbies, and tricycles.... 32 15 10 22 20 34 33 36 35 49 Other entertainment.................... 70 57 18 25 31 66 80 69 71 132 Personal care products and services...... 23 7 10 13 21 13 17 35 26 37 Reading.................................. 2 d/ 1 2 2 1 2 2 3 3 3 Education................................ 149 94 24 44 41 19 92 87 151 486 All other gifts.......................... 98 64 78 45 65 90 92 101 104 160 a See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. b Components of income and taxes are derived from "complete income reporters" only; see glossary. c Value less than 0.5. d Data are likely to have large sampling errors. e No data reported.