Table 10. Education of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001 Less than college graduate College graduate All Less High Item consumer than High school Bachelor- Master's, units Total high school graduate Associate Total 's professi- school graduate with degree degree onal, graduate some doctorate college Number of consumer units (in thousands)...... 110,339 81,679 17,117 31,866 22,992 9,704 28,660 18,880 9,780 Income before taxes a/ ...................... $47,507 $37,659 $24,390 $37,793 $41,045 $52,395 $75,833 $70,137 $86,693 Income after taxes a/ ....................... 44,587 35,929 23,845 36,027 38,877 49,733 69,491 64,339 79,312 Age of the reference person.................. 48.1 48.7 55.4 49.8 43.5 45.6 46.5 45.1 49.2 Average number in consumer unit: Persons..................................... 2.5 2.5 2.6 2.6 2.4 2.5 2.5 2.5 2.5 Children under 18........................... .7 .7 .7 .7 .6 .7 .6 .6 .6 Persons 65 and over......................... .3 .3 .5 .4 .2 .2 .2 .2 .2 Earners..................................... 1.4 1.3 1.1 1.3 1.4 1.5 1.5 1.5 1.5 Vehicles.................................... 1.9 1.9 1.5 2.0 1.9 2.3 2.1 2.1 2.1 Percent distribution: Male........................................ 51 49 48 50 51 46 58 56 61 Female...................................... 49 51 52 50 49 54 42 44 39 Homeowner................................... 66 63 57 68 59 70 75 73 77 With mortgage.............................. 40 35 21 36 37 49 55 54 56 Without mortgage........................... 26 28 36 31 21 21 20 19 21 Renter...................................... 34 37 43 32 41 30 25 27 23 Black....................................... 12 14 17 14 13 12 7 7 6 White and other............................. 88 86 83 86 87 88 93 93 94 Elementary (1-8)............................ 6 8 37 n.a. n.a. n.a. n.a. n.a. n.a. High school (9-12).......................... 38 52 62 100 n.a. n.a. n.a. n.a. n.a. College..................................... 56 40 n.a. n.a. 100 100 100 100 100 Never attended and other.................... b/ b/ 1 n.a. n.a. n.a. n.a. n.a. n.a. At least one vehicle owned or leased........ 88 86 74 88 88 94 94 93 94 Average annual expenditures.................. $39,518 $33,552 $24,081 $33,041 $37,070 $43,610 $56,462 $53,678 $61,757 Food........................................ 5,321 4,832 4,114 4,750 5,165 5,581 6,688 6,319 7,369 Food at home............................. 3,086 2,945 2,892 2,956 2,903 3,089 3,477 3,342 3,722 Cereals and bakery products............ 452 428 425 433 412 449 521 506 548 Cereals and cereal products.......... 156 148 154 149 141 146 181 176 190 Bakery products...................... 296 280 271 284 271 303 339 329 357 Meats, poultry, fish, and eggs......... 828 828 874 844 787 788 828 795 887 Beef................................. 248 252 259 261 238 243 236 236 236 Pork................................. 177 186 205 191 172 168 154 153 155 Other meats.......................... 102 101 108 102 92 109 104 100 112 Poultry.............................. 152 150 158 147 152 139 158 151 170 Fish and seafood..................... 114 103 101 107 100 100 143 123 178 Eggs................................. 35 36 43 35 33 30 33 32 36 Dairy products......................... 332 310 286 313 306 351 391 379 412 Fresh milk and cream................. 136 131 131 131 129 137 148 146 154 Other dairy products................. 196 179 155 182 178 214 242 233 259 Fruits and vegetables.................. 522 479 491 465 478 507 640 597 719 Fresh fruits......................... 160 143 153 136 142 149 209 187 248 Fresh vegetables..................... 162 148 157 140 147 164 198 186 220 Processed fruits..................... 116 108 99 108 110 113 140 133 153 Processed vegetables................. 84 80 81 81 78 81 93 91 98 Other food at home..................... 952 900 817 900 920 994 1,097 1,065 1,156 Sugar and other sweets............... 116 109 99 112 106 121 136 133 140 Fats and oils........................ 87 85 90 86 81 82 91 87 99 Miscellaneous foods.................. 455 424 367 418 450 485 539 523 569 Nonalcoholic beverages............... 256 253 243 260 243 265 266 261 276 Food prepared by consumer unit on out-of-town trips................... 38 29 18 25 38 41 65 61 72 Food away from home.................... 2,235 1,887 1,221 1,794 2,262 2,492 3,211 2,977 3,646 Alcoholic beverages......................... 349 282 175 265 350 365 536 553 505 Housing..................................... 13,011 10,875 8,067 10,588 12,007 14,088 19,088 18,140 20,899 Shelter.................................. 7,602 6,198 4,442 5,997 6,955 8,159 11,603 11,019 12,730 Owned dwellings........................ 4,979 3,804 2,126 3,840 4,180 5,756 8,326 7,829 9,285 Mortgage interest and charges........ 2,862 2,137 1,067 2,071 2,444 3,513 4,927 4,663 5,437 Property taxes....................... 1,233 957 640 1,002 999 1,265 2,022 1,891 2,275 Maintenance, repairs, insurance,other expenses............................ 884 710 419 766 737 979 1,377 1,275 1,574 Rented dwellings....................... 2,134 2,077 2,207 1,865 2,330 1,942 2,297 2,350 2,196 Other lodging.......................... 489 317 109 292 446 461 980 840 1,249 Utilities, fuels, and public services.... 2,767 2,615 2,312 2,684 2,622 2,909 3,197 3,118 3,349 Natural gas............................ 411 385 333 401 388 418 484 480 491 Electricity............................ 1,009 983 913 1,027 940 1,068 1,080 1,062 1,115 Fuel oil and other fuels............... 112 110 116 122 93 100 119 108 141 Telephone services..................... 914 843 702 832 901 991 1,117 1,083 1,184 Water and other public services........ 321 294 248 303 300 331 397 385 418 Household operations..................... 676 462 238 423 596 673 1,284 1,221 1,406 Personal services...................... 291 209 103 201 262 297 524 503 566 Other household expenses............... 385 253 135 222 333 376 760 719 840 Housekeeping supplies.................... 509 436 340 429 453 585 712 670 788 Laundry and cleaning supplies.......... 131 127 124 122 132 140 142 135 155 Other household products............... 255 210 147 212 206 322 380 358 421 Postage and stationery................. 122 99 69 95 116 123 189 176 213 Household furnishings and equipment...... 1,458 1,163 735 1,056 1,380 1,762 2,292 2,112 2,625 Household textiles..................... 114 90 57 80 118 118 181 157 224 Furniture.............................. 372 290 215 255 318 474 605 612 593 Floor coverings........................ 40 27 21 26 31 30 80 78 84 Major appliances....................... 178 155 109 153 175 194 245 221 292 Small appliances, miscellaneous housewares............................ 87 69 44 63 87 93 135 123 156 Miscellaneous household equipment...... 667 532 289 479 652 855 1,046 921 1,276 Apparel and services........................ 1,743 1,434 1,108 1,310 1,634 1,946 2,611 2,479 2,851 Men and boys............................. 423 356 280 318 395 525 611 574 679 Men, 16 and over....................... 335 274 212 237 317 405 507 466 582 Boys, 2 to 15.......................... 88 82 67 82 78 119 104 108 97 Women and girls.......................... 677 562 402 511 661 781 998 890 1,196 Women, 16 and over..................... 562 460 301 415 568 639 847 747 1,030 Girls, 2 to 15......................... 115 102 101 96 93 142 151 143 166 Children under 2......................... 81 72 63 73 77 73 107 108 106 Footwear................................. 302 264 236 244 286 326 409 405 415 Other apparel products and services...... 259 179 129 163 214 241 486 503 455 Transportation.............................. 7,633 6,885 4,659 7,129 7,350 8,905 9,763 9,834 9,622 Vehicle purchases (net outlay)........... 3,579 3,382 2,271 3,562 3,550 4,348 4,141 4,398 3,646 Cars and trucks, new................... 1,685 1,435 778 1,430 1,741 1,890 2,397 2,585 2,034 Cars and trucks, used.................. 1,848 1,897 1,489 2,072 1,756 2,374 1,709 1,783 1,568 Other vehicles......................... 46 50 c/ 5 61 53 84 35 c/ 30 c/ 43 Gasoline and motor oil................... 1,279 1,208 929 1,243 1,253 1,482 1,482 1,468 1,509 Other vehicle expenses................... 2,375 2,055 1,309 2,112 2,244 2,730 3,287 3,225 3,403 Vehicle finance charges................ 359 346 214 368 371 449 397 424 345 Maintenance and repairs................ 662 562 379 556 612 778 948 889 1,060 Vehicle insurance...................... 819 754 533 794 779 955 1,005 977 1,059 Vehicle rental, leases, licenses, other charges.............................. 534 393 183 394 483 549 937 935 939 Public transportation.................... 400 240 150 212 303 344 854 744 1,065 Health care................................. 2,182 2,011 1,762 2,046 2,037 2,276 2,667 2,488 3,012 Health insurance......................... 1,061 997 896 1,036 956 1,145 1,242 1,180 1,363 Medical services......................... 573 478 320 472 557 592 842 771 978 Drugs.................................... 449 451 479 453 433 439 443 406 513 Medical supplies......................... 100 86 67 86 92 101 140 130 158 Entertainment............................... 1,953 1,598 876 1,578 1,840 2,368 2,964 2,833 3,219 Fees and admissions...................... 526 334 120 276 450 628 1,074 993 1,229 Television, radios, sound equipment...... 660 593 431 580 634 822 850 809 929 Pets, toys, and playground equipment..... 337 301 154 306 348 436 440 397 521 Other entertainment supplies, equipment,and services.................. 430 370 170 417 407 482 600 632 540 Personal care products and services......... 485 429 317 411 475 570 643 613 700 Reading..................................... 141 102 54 95 127 149 252 222 309 Education................................... 648 435 138 278 805 596 1,255 1,132 1,491 Tobacco products and smoking supplies....... 308 361 362 403 317 327 158 173 128 Miscellaneous............................... 750 586 432 552 661 792 1,216 1,197 1,247 Cash contributions.......................... 1,258 906 543 874 1,060 1,287 2,262 1,847 3,061 Personal insurance and pensions............. 3,737 2,817 1,474 2,761 3,242 4,360 6,359 5,848 7,345 Life and other personal insurance........ 410 322 194 330 364 423 663 591 802 Pensions and Social Security............. 3,326 2,495 1,280 2,431 2,878 3,938 5,696 5,258 6,543 Sources of income and personal taxes: a/ Money income before taxes.................. 47,507 37,659 24,390 37,793 41,045 52,395 75,833 70,137 86,693 Wages and salaries....................... 38,334 29,467 16,253 29,169 33,183 44,721 63,840 59,070 72,932 Self-employment income................... 2,231 1,565 722 1,515 1,886 2,446 4,147 3,509 5,362 Social Security, private and government retirement................... 4,963 4,989 5,897 5,617 4,050 3,580 4,886 4,459 5,700 Interest, dividends, rental income, other property income................... 951 577 345 562 751 627 2,026 2,012 2,052 Unemployment and workers'' compensation, veterans'' benefits..................... 171 186 122 217 175 223 130 147 99 Public assistance, supplemental security, income, food stamps..................... 384 442 827 376 295 328 216 288 78 Regular contributions for support........ 315 295 145 242 474 316 371 418 282 Other income............................. 158 137 81 95 231 155 217 233 187 Personal taxes............................. 2,920 1,731 546 1,766 2,168 2,662 6,343 5,798 7,381 Federal income taxes..................... 2,237 1,274 341 1,248 1,680 2,037 5,006 4,561 5,854 State and local income taxes............. 555 355 130 400 400 497 1,129 1,042 1,293 Other taxes.............................. 129 102 75 118 88 128 208 194 233 Income after taxes......................... 44,587 35,929 23,845 36,027 38,877 49,733 69,491 64,339 79,312 Net change in total assets and liabilities... -2,059 -2,661 -123 -2,580 -3,903 -4,461 -344 2,863 -6,535 Net change in total assets............... 5,678 2,744 2,555 2,199 2,979 4,310 14,039 16,717 8,871 Net change in total liabilities.......... 7,737 5,405 2,678 4,779 6,883 8,771 14,383 13,854 15,405 Other financial information: Other money receipts..................... 372 289 101 289 395 369 609 625 576 Mortgage principal paid on owned property................................ -1,397 -1,028 -428 -1,125 -1,101 -1,597 -2,447 -2,097 -3,125 Estimated market value of owned home..... 103,975 78,424 53,926 80,657 82,878 103,747 176,795 170,336 189,264 Estimated monthly rental value of owned home.................................... 690 574 422 595 589 734 1,021 969 1,121 Gifts of goods and services................. 1,012 760 439 722 932 1,040 1,727 1,513 2,134 Food..................................... 69 49 13 46 67 83 125 105 163 Alcoholic beverages...................... 14 11 5 10 18 14 21 21 21 Housing.................................. 258 210 149 193 257 265 395 347 487 Housekeeping supplies.................. 41 32 18 31 39 48 66 64 68 Household textiles..................... 14 11 5 12 15 12 22 19 26 Appliances and miscellaneous housewares........................... 25 20 15 16 22 32 41 28 66 Major appliances..................... 6 6 6 3 8 13 7 5 10 Small appliances and miscellaneous housewares......................... 19 13 9 13 14 18 35 23 56 Miscellaneous household equipment...... 59 49 25 42 73 60 88 86 91 Other housing.......................... 119 97 87 92 107 113 179 150 236 Apparel and services..................... 237 204 146 196 228 277 327 295 387 Males, 2 and over...................... 61 58 34 59 64 85 69 67 73 Females, 2 and over.................... 89 72 56 63 82 109 136 105 194 Children under 2....................... 42 36 33 38 35 39 58 58 56 Other apparel products and services.... 45 38 24 36 48 44 64 65 63 Jewelry and watches.................. 17 12 4 12 18 15 29 31 26 All other apparel products and services............................ 28 26 20 24 30 29 35 34 37 Transportation........................... 70 45 23 68 27 54 141 168 88 Health care.............................. 35 23 16 25 29 12 70 59 91 Entertainment............................ 74 59 30 54 73 90 118 121 112 Toys, games, hobbies, and tricycles.... 30 27 16 25 30 42 39 37 44 Other entertainment.................... 44 32 14 28 43 48 79 84 68 Personal care products and services...... 21 20 11 15 21 51 21 18 27 Reading.................................. 1 1 b/ 1 2 1 2 2 3 Education................................ 160 86 17 65 147 133 370 270 564 All other gifts.......................... 73 51 30 50 64 59 137 107 193 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Data are likely to have large sampling errors. n.a. Not applicable.