Table 10. Education of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002 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)...... 112,108 82,690 17,075 31,961 23,260 10,395 29,417 19,082 10,335 Income before taxes a/ ...................... $49,430 $39,402 $25,564 $39,618 $42,598 $54,860 $77,820 $69,408 $92,783 Income after taxes a/ ....................... 46,934 38,026 25,127 38,219 40,950 52,586 72,153 64,309 86,106 Age of the reference person.................. 48.1 48.7 54.9 49.7 43.9 46.1 46.4 45.0 49.1 Average number in consumer unit: Persons..................................... 2.5 2.5 2.6 2.5 2.4 2.6 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 .3 .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.................................... 2.0 1.9 1.4 2.0 1.9 2.3 2.1 2.1 2.1 Percent distribution: Male........................................ 51 48 47 49 48 48 59 58 60 Female...................................... 49 52 53 51 52 52 41 42 40 Homeowner................................... 66 63 57 67 59 73 75 72 80 With mortgage.............................. 41 35 21 36 38 50 56 54 59 Without mortgage........................... 26 28 36 31 21 22 19 18 22 Renter...................................... 34 37 43 33 41 27 25 28 20 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 38 n.a. n.a. n.a. n.a. n.a. n.a. High school (9-12).......................... 38 51 60 100 n.a. n.a. n.a. n.a. n.a. College..................................... 56 41 n.a. n.a. 100 100 100 100 100 Never attended and other.................... b/ b/ 2 n.a. n.a. n.a. n.a. n.a. n.a. At least one vehicle owned or leased........ 88 86 73 89 87 94 94 93 95 Average annual expenditures.................. $40,677 $34,631 $24,930 $33,708 $38,654 $44,406 $57,384 $53,732 $64,118 Food........................................ 5,375 4,830 4,140 4,708 5,112 5,690 6,779 6,565 7,171 Food at home............................. 3,099 2,925 2,896 2,917 2,868 3,134 3,535 3,439 3,709 Cereals and bakery products............ 450 424 405 422 423 462 516 499 546 Cereals and cereal products.......... 154 146 153 144 147 141 174 170 181 Bakery products...................... 296 278 252 278 276 321 342 329 365 Meats, poultry, fish, and eggs......... 798 790 843 800 732 808 819 808 838 Beef................................. 231 235 237 242 214 258 221 221 222 Pork................................. 167 175 206 179 157 158 147 150 142 Other meats.......................... 101 98 99 100 92 99 110 115 101 Poultry.............................. 144 139 143 143 130 144 157 160 150 Fish and seafood..................... 121 108 117 102 108 117 153 131 193 Eggs................................. 34 35 43 34 31 32 31 31 31 Dairy products......................... 328 306 298 303 305 327 385 375 404 Fresh milk and cream................. 127 124 130 123 119 127 135 134 137 Other dairy products................. 201 182 168 180 186 200 250 241 267 Fruits and vegetables.................. 552 497 523 487 480 531 690 646 768 Fresh fruits......................... 178 155 166 152 147 167 236 219 266 Fresh vegetables..................... 175 157 171 150 153 164 220 201 254 Processed fruits..................... 116 103 100 102 103 114 146 137 163 Processed vegetables................. 83 82 86 82 76 86 87 89 85 Other food at home..................... 970 908 827 905 928 1,006 1,126 1,111 1,153 Sugar and other sweets............... 117 110 103 110 109 122 136 138 133 Fats and oils........................ 85 84 88 86 76 86 89 88 91 Miscellaneous foods.................. 472 435 386 429 454 492 564 560 572 Nonalcoholic beverages............... 254 248 230 251 249 267 268 263 276 Food prepared by consumer unit on out-of-town trips................... 41 31 19 28 41 39 69 62 81 Food away from home.................... 2,276 1,905 1,245 1,791 2,244 2,556 3,244 3,126 3,462 Alcoholic beverages......................... 376 303 185 273 372 433 561 538 604 Housing..................................... 13,283 11,194 8,288 10,800 12,336 14,644 19,111 17,759 21,607 Shelter.................................. 7,829 6,417 4,597 6,180 7,290 8,183 11,800 10,867 13,521 Owned dwellings........................ 5,165 3,966 2,194 3,902 4,510 5,858 8,534 7,711 10,055 Mortgage interest and charges........ 2,962 2,207 1,016 2,098 2,655 3,497 5,085 4,655 5,878 Property taxes....................... 1,242 963 666 1,000 985 1,285 2,029 1,744 2,554 Maintenance, repairs, insurance,other expenses............................ 960 797 512 804 870 1,076 1,421 1,311 1,622 Rented dwellings....................... 2,160 2,128 2,279 1,987 2,315 1,893 2,250 2,369 2,030 Other lodging.......................... 505 323 124 290 465 433 1,015 787 1,436 Utilities, fuels, and public services.... 2,684 2,533 2,211 2,597 2,515 2,902 3,111 3,018 3,282 Natural gas............................ 330 300 252 315 293 350 412 399 437 Electricity............................ 981 958 885 997 918 1,045 1,047 1,023 1,091 Fuel oil and other fuels............... 88 90 93 97 74 100 85 73 107 Telephone services..................... 957 884 725 886 925 1,042 1,163 1,132 1,219 Water and other public services........ 328 301 256 302 305 365 404 391 428 Household operations..................... 706 518 260 427 713 789 1,232 1,088 1,499 Personal services...................... 331 255 126 195 372 391 543 498 628 Other household expenses............... 375 263 134 232 341 398 689 590 870 Housekeeping supplies.................... 545 502 402 440 465 956 653 624 708 Laundry and cleaning supplies.......... 131 128 130 128 126 133 136 137 134 Other household products............... 283 267 205 210 213 681 324 309 351 Postage and stationery................. 131 107 67 102 126 142 193 177 223 Household furnishings and equipment...... 1,518 1,224 819 1,156 1,353 1,814 2,315 2,162 2,598 Household textiles..................... 136 112 84 104 139 127 196 180 225 Furniture.............................. 401 306 211 304 321 434 669 611 777 Floor coverings........................ 40 29 25 32 29 29 72 60 94 Major appliances....................... 188 169 112 141 203 269 244 221 285 Small appliances, miscellaneous housewares............................ 100 83 70 80 77 129 145 140 153 Miscellaneous household equipment...... 652 525 317 495 584 827 990 950 1,064 Apparel and services........................ 1,749 1,486 1,226 1,392 1,630 1,890 2,435 2,311 2,661 Men and boys............................. 409 356 313 347 360 446 550 530 586 Men, 16 and over....................... 319 270 231 263 276 342 449 426 492 Boys, 2 to 15.......................... 90 86 82 84 83 104 101 104 94 Women and girls.......................... 704 587 418 536 680 819 1,000 940 1,109 Women, 16 and over..................... 587 479 322 434 560 692 861 800 972 Girls, 2 to 15......................... 117 109 96 102 120 126 139 140 137 Children under 2......................... 83 75 78 70 78 80 103 104 101 Footwear................................. 313 286 276 277 286 332 381 349 440 Other apparel products and services...... 240 182 142 163 225 214 401 388 425 Transportation.............................. 7,759 6,947 4,826 6,983 7,743 8,546 10,035 9,678 10,694 Vehicle purchases (net outlay)........... 3,665 3,339 2,375 3,351 3,848 3,744 4,581 4,507 4,718 Cars and trucks, new................... 1,753 1,472 891 1,457 1,797 1,744 2,543 2,326 2,943 Cars and trucks, used.................. 1,842 1,794 1,466 1,817 1,979 1,851 1,977 2,114 1,726 Other vehicles......................... 70 73 c/ 18 78 72 149 61 68 c/ 49 Gasoline and motor oil................... 1,235 1,180 902 1,212 1,229 1,430 1,390 1,355 1,453 Other vehicle expenses................... 2,471 2,180 1,396 2,201 2,369 2,983 3,282 3,170 3,489 Vehicle finance charges................ 397 380 226 395 418 502 446 457 426 Maintenance and repairs................ 697 599 396 573 669 856 970 913 1,077 Vehicle insurance...................... 894 829 617 871 834 1,039 1,075 1,031 1,157 Vehicle rental, leases, licenses, other charges.............................. 483 373 158 362 448 587 791 770 829 Public transportation.................... 389 248 154 218 297 389 782 645 1,033 Health care................................. 2,350 2,147 1,797 2,208 2,149 2,535 2,914 2,740 3,234 Health insurance......................... 1,168 1,079 914 1,133 1,051 1,248 1,417 1,349 1,543 Medical services......................... 590 498 330 489 550 680 849 764 1,005 Drugs.................................... 487 482 489 496 446 505 500 478 540 Medical supplies......................... 105 90 64 90 102 102 148 149 146 Entertainment............................... 2,079 1,683 872 1,588 2,071 2,433 3,176 3,021 3,462 Fees and admissions...................... 542 353 119 311 460 626 1,072 951 1,297 Television, radios, sound equipment...... 692 629 448 633 689 783 866 850 898 Pets, toys, and playground equipment..... 369 319 181 312 365 465 505 486 540 Other entertainment supplies, equipment,and services.................. 476 381 124 332 557 559 732 734 727 Personal care products and services......... 526 464 350 453 530 535 691 674 724 Reading..................................... 139 102 55 96 127 138 242 204 311 Education................................... 752 505 120 306 953 746 1,442 1,278 1,746 Tobacco products and smoking supplies....... 320 375 354 441 340 289 167 186 130 Miscellaneous............................... 792 696 495 624 881 839 1,060 932 1,295 Cash contributions.......................... 1,277 959 607 951 1,046 1,373 2,170 2,012 2,462 Personal insurance and pensions............. 3,899 2,937 1,614 2,886 3,364 4,314 6,600 5,834 8,017 Life and other personal insurance........ 406 331 204 336 366 444 618 532 778 Pensions and Social Security............. 3,493 2,607 1,410 2,551 2,999 3,870 5,982 5,301 7,239 Sources of income and personal taxes: a/ Money income before taxes.................. 49,430 39,402 25,564 39,618 42,598 54,860 77,820 69,408 92,783 Wages and salaries....................... 39,864 30,814 16,683 30,774 34,335 46,799 65,486 59,516 76,106 Self-employment income................... 2,237 1,449 718 1,544 1,802 1,595 4,467 3,092 6,915 Social Security, private and government retirement................... 5,234 5,349 6,507 5,634 4,420 4,638 4,910 4,046 6,448 Interest, dividends, rental income, other property income................... 924 629 335 609 715 991 1,760 1,724 1,825 Unemployment and workers'' compensation, veterans'' benefits..................... 233 239 163 242 287 249 215 237 176 Public assistance, supplemental security, income, food stamps..................... 352 449 915 393 304 165 78 76 83 Regular contributions for support........ 412 333 173 342 454 302 637 429 1,007 Other income............................. 173 140 69 80 281 122 265 289 222 Personal taxes............................. 2,496 1,376 437 1,399 1,649 2,274 5,667 5,100 6,676 Federal income taxes..................... 1,843 965 254 970 1,194 1,630 4,327 3,852 5,171 State and local income taxes............. 506 299 112 308 346 479 1,094 1,010 1,244 Other taxes.............................. 147 112 71 121 109 166 246 237 261 Income after taxes......................... 46,934 38,026 25,127 38,219 40,950 52,586 72,153 64,309 86,106 Net change in total assets and liabilities... -5,612 -4,108 -2,196 -2,047 -8,253 -4,307 -9,840 -11,348 -7,056 Net change in total assets............... 5,736 3,765 1,803 3,224 4,366 7,307 11,276 7,705 17,870 Net change in total liabilities.......... 11,348 7,873 3,999 5,271 12,619 11,614 21,116 19,053 24,926 Other financial information: Other money receipts..................... 539 269 64 254 333 511 1,297 929 1,978 Mortgage principal paid on owned property................................ -1,382 -1,017 -452 -1,008 -1,157 -1,662 -2,407 -2,050 -3,067 Estimated market value of owned home..... 106,766 84,059 57,291 82,923 91,997 113,760 170,594 151,245 206,319 Estimated monthly rental value of owned home.................................... 720 602 424 616 637 775 1,051 960 1,221 Gifts of goods and services................. 1,036 762 445 704 936 1,068 1,785 1,522 2,271 Food..................................... 82 50 33 42 66 70 170 135 233 Alcoholic beverages...................... 13 11 8 9 13 16 19 20 19 Housing.................................. 259 199 115 177 231 332 420 383 489 Housekeeping supplies.................. 42 36 17 33 43 59 58 52 69 Household textiles..................... 14 11 4 13 10 18 21 23 16 Appliances and miscellaneous housewares........................... 24 20 11 13 23 50 35 31 41 Major appliances..................... 8 7 c/ 1 4 9 20 13 8 21 Small appliances and miscellaneous housewares......................... 16 13 10 9 14 29 22 23 20 Miscellaneous household equipment...... 65 49 30 46 49 92 104 99 114 Other housing.......................... 114 82 53 72 105 113 202 177 249 Apparel and services..................... 237 194 132 192 223 228 350 360 332 Males, 2 and over...................... 64 55 30 52 64 82 87 83 95 Females, 2 and over.................... 82 66 41 69 73 76 122 134 100 Children under 2....................... 40 37 38 37 35 37 49 50 45 Other apparel products and services.... 52 37 24 34 51 34 93 93 92 Jewelry and watches.................. 24 13 6 14 18 12 54 52 58 All other apparel products and services............................ 28 23 18 20 33 22 38 41 35 Transportation........................... 44 45 18 38 63 66 42 39 46 Health care.............................. 33 24 18 20 29 35 56 29 104 Entertainment............................ 78 67 38 71 75 81 109 101 122 Toys, games, hobbies, and tricycles.... 30 29 18 34 29 33 32 29 39 Other entertainment.................... 48 38 20 38 46 48 76 73 82 Personal care products and services...... 21 20 14 16 31 18 24 23 26 Reading.................................. 1 1 b/ 1 1 1 2 2 3 Education................................ 184 87 20 75 125 150 455 326 692 All other gifts.......................... 84 64 48 61 77 71 138 102 205 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.