Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 All Lowest Second Third Fourth Highest Item consumer 20 20 20 20 20 units percent percent percent percent percent Number of consumer units (in thousands)........... 116,282 23,223 23,266 23,252 23,263 23,277 Lower limit....................................... n.a. n.a. $16,403 $32,477 $51,774 $81,058 Consumer unit characteristics: Income before taxes ............................. $54,453 $9,168 $24,102 $41,614 $65,100 $132,158 Income after taxes .............................. 52,287 9,220 23,751 40,802 62,847 124,698 Age of reference person.......................... 48.5 51.1 50.9 47.2 45.7 47.4 Average number in consumer unit: Persons......................................... 2.5 1.7 2.2 2.6 2.9 3.2 Children under 18............................... .6 .4 .5 .7 .8 .8 Persons 65 and over............................. .3 .4 .4 .3 .2 .2 Earners......................................... 1.3 .5 .9 1.4 1.7 2.1 Vehicles........................................ 1.9 .9 1.5 2.0 2.4 2.8 Percent distribution: Sex of reference person: Male............................................ 48 35 45 50 55 56 Female.......................................... 52 65 55 50 45 44 Housing tenure: Homeowner....................................... 68 41 57 68 80 91 With mortgage.................................. 42 12 23 42 61 73 Without mortgage............................... 25 30 35 25 20 18 Renter.......................................... 32 59 43 32 20 9 Race of reference person: Black or African-American....................... 12 18 15 11 9 6 White, Asian, and All Other Races............... 88 82 85 89 91 94 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 11 14 12 9 6 Not Hispanic or Latino (new UCC Q20032)......... 89 89 86 88 91 94 Education of reference person: Elementary (1-8)................................ 5 13 8 4 2 1 High school (9-12).............................. 35 45 46 40 29 16 College......................................... 59 41 45 56 69 83 Never attended and other........................ a/ 1 a/ a/ a/ a/ At least one vehicle owned or leased............. 88 65 87 94 97 98 Average annual expenditures....................... $43,395 $17,837 $27,410 $36,980 $50,974 $83,710 Food............................................. 5,781 2,967 4,139 5,378 6,762 9,653 Food at home.................................... 3,347 2,044 2,659 3,209 3,836 4,984 Cereals and bakery products.................... 461 296 371 451 522 664 Cereals and cereal products................... 154 111 122 153 174 208 Bakery products............................... 307 185 249 298 348 456 Meats, poultry, fish, and eggs................. 880 548 731 863 1,004 1,252 Beef.......................................... 265 157 225 257 310 377 Pork.......................................... 181 122 162 186 196 239 Other meats................................... 108 65 85 101 125 164 Poultry....................................... 156 101 121 152 181 224 Fish and seafood.............................. 128 71 98 125 150 194 Eggs.......................................... 42 32 41 41 43 53 Dairy products................................. 371 222 299 361 416 555 Fresh milk and cream.......................... 144 101 124 147 155 194 Other dairy products.......................... 226 121 175 214 261 361 Fruits and vegetables.......................... 561 354 438 546 614 853 Fresh fruits.................................. 187 113 146 186 194 295 Fresh vegetables.............................. 183 117 139 171 206 281 Processed fruits.............................. 110 68 87 109 122 163 Processed vegetables.......................... 82 55 66 80 92 115 Other food at home............................. 1,075 624 820 989 1,280 1,660 Sugar and other sweets........................ 128 79 97 112 142 210 Fats and oils................................. 89 61 78 88 97 119 Miscellaneous foods........................... 527 291 386 485 642 833 Nonalcoholic beverages........................ 290 181 237 272 348 409 Food prepared by consumer unit on out-of-town trips............................ 41 13 22 30 51 89 Food away from home............................. 2,434 923 1,480 2,169 2,926 4,669 Alcoholic beverages.............................. 459 194 264 408 554 876 Housing.......................................... 13,918 6,760 9,505 12,144 15,741 25,424 Shelter......................................... 7,998 3,941 5,478 6,902 9,031 14,629 Owned dwellings................................ 5,324 1,358 2,517 4,091 6,659 11,986 Mortgage interest and charges................. 2,936 495 1,055 2,208 3,956 6,960 Property taxes................................ 1,391 490 760 1,048 1,625 3,030 Maintenance, repairs, insurance, other expenses..................................... 997 373 702 836 1,078 1,996 Rented dwellings............................... 2,201 2,448 2,802 2,555 1,906 1,295 Other lodging.................................. 473 135 159 255 466 1,348 Utilities, fuels, and public services........... 2,927 1,720 2,371 2,868 3,370 4,301 Natural gas.................................... 424 234 341 423 477 644 Electricity.................................... 1,064 683 894 1,044 1,188 1,512 Fuel oil and other fuels....................... 121 78 100 113 134 178 Telephone services............................. 990 562 787 956 1,185 1,460 Water and other public services................ 327 164 248 332 387 505 Household operations............................ 753 278 406 493 771 1,814 Personal services.............................. 300 117 155 174 325 727 Other household expenses....................... 453 161 251 319 446 1,087 Housekeeping supplies........................... 594 314 407 530 712 1,009 Laundry and cleaning supplies.................. 149 87 116 155 175 209 Other household products....................... 290 145 192 240 357 517 Postage and stationery......................... 155 81 98 134 180 283 Household furnishings and equipment............. 1,646 507 843 1,351 1,856 3,670 Household textiles............................. 158 56 99 128 180 325 Furniture...................................... 417 125 186 294 479 1,000 Floor coverings................................ 52 9 16 38 66 131 Major appliances............................... 204 61 115 206 249 388 Small appliances, miscellaneous housewares.................................... 105 41 73 98 99 211 Miscellaneous household equipment.............. 711 216 354 587 781 1,616 Apparel and services............................. 1,816 837 1,058 1,477 2,052 3,654 Men and boys.................................... 406 154 222 332 445 877 Men, 16 and over............................... 317 111 157 256 343 719 Boys, 2 to 15.................................. 89 43 65 76 102 158 Women and girls................................. 739 336 407 593 890 1,466 Women, 16 and over............................. 631 297 342 509 753 1,255 Girls, 2 to 15................................. 108 40 65 84 137 211 Children under 2................................ 79 47 59 65 92 131 Footwear........................................ 329 195 237 292 361 558 Other apparel products and services............. 264 104 133 196 265 622 Transportation................................... 7,801 2,629 5,005 6,827 9,954 14,580 Vehicle purchases (net outlay).................. 3,397 951 2,130 2,797 4,546 6,555 Cars and trucks, new........................... 1,748 378 836 1,410 2,278 3,837 Cars and trucks, used.......................... 1,582 569 1,282 1,344 2,109 2,605 Other vehicles................................. 66 b/ 4 b/ 12 43 159 113 Gasoline and motor oil.......................... 1,598 730 1,157 1,579 2,020 2,500 Other vehicle expenses.......................... 2,365 821 1,499 2,180 2,951 4,372 Vehicle finance charges........................ 323 62 166 317 488 584 Maintenance and repairs........................ 652 282 438 593 771 1,173 Vehicle insurance.............................. 964 365 703 964 1,194 1,595 Vehicle rental, leases, licenses, other charges....................................... 426 112 192 307 498 1,020 Public transportation........................... 441 126 218 271 437 1,153 Health care...................................... 2,574 1,421 2,139 2,529 2,969 3,810 Health insurance................................ 1,332 745 1,146 1,346 1,556 1,864 Medical services................................ 648 265 439 578 778 1,181 Drugs........................................... 480 357 477 493 499 575 Medical supplies................................ 114 53 77 113 136 190 Entertainment.................................... 2,218 764 1,377 1,728 2,735 4,484 Fees and admissions............................. 528 131 201 346 604 1,356 Television, radios, sound equipment............. 788 387 566 732 963 1,290 Pets, toys, hobbies, and playground equipment... 381 143 246 323 480 710 Other entertainment supplies, equipment, and services................................... 522 103 364 327 687 1,128 Personal care products and services.............. 581 271 400 507 641 1,086 Reading.......................................... 130 55 82 112 145 256 Education........................................ 905 641 314 396 811 2,363 Tobacco products and smoking supplies............ 288 214 287 340 327 272 Miscellaneous.................................... 690 312 482 646 766 1,243 Cash contributions............................... 1,408 343 790 1,106 1,422 3,376 Personal insurance and pensions.................. 4,823 429 1,568 3,379 6,095 12,632 Life and other personal insurance............... 390 110 182 310 426 922 Pensions and Social Security.................... 4,433 318 1,386 3,069 5,669 11,710 Sources of income and personal taxes: Money income before taxes........................ 54,453 9,168 24,102 41,614 65,100 132,158 Wages and salaries.............................. 43,192 3,459 14,647 31,877 55,014 110,857 Self-employment income.......................... 3,008 -325 747 1,278 2,804 10,525 Social Security, private and government retirement..................................... 5,848 4,353 7,093 6,629 5,343 5,821 Interest, dividends, rental income, other property income................................ 1,261 135 499 832 1,018 3,817 Unemployment and workers' compensation, veterans' benefits............................. 237 114 256 282 307 223 Public assistance, supplemental security income, food stamps............................ 308 807 357 205 96 76 Regular contributions for support............... 413 353 358 383 367 603 Other income.................................... 187 272 146 128 151 237 Personal taxes................................... 2,166 -53 351 812 2,253 7,460 Federal income taxes............................ 1,519 -95 150 420 1,555 5,560 State and local income taxes.................... 472 4 92 239 499 1,525 Other taxes..................................... 175 38 109 153 198 374 Income after taxes............................... 52,287 9,220 23,751 40,802 62,847 124,698 Addenda: Net change in total assets and liabilities....... -7,567 -378 -2,155 -4,000 -11,294 -19,987 Net change in total assets...................... 9,211 1,280 2,975 8,001 12,684 21,096 Net change in total liabilities................. 16,778 1,658 5,129 12,001 23,978 41,083 Other financial information: Other money receipts............................ 556 174 232 319 621 1,434 Mortgage principal paid on owned property....... -1,791 -321 -569 -1,174 -2,282 -4,605 Estimated market value of owned home............ 137,639 48,739 80,329 106,931 155,158 296,788 Estimated monthly rental value of owned home.... 781 320 495 653 922 1,513 Gifts of goods and services...................... 1,215 450 624 774 1,262 2,965 Food............................................ 74 14 33 39 59 224 Alcoholic beverages............................. 20 4 8 20 22 45 Housing......................................... 283 115 177 176 325 620 Housekeeping supplies.......................... 61 19 36 43 98 110 Household textiles............................. 19 8 13 10 29 34 Appliances and miscellaneous housewares.................................... 32 6 22 26 25 80 Major appliances.............................. 12 b/ 1 9 11 7 30 Small appliances and miscellaneous housewares................................... 20 5 13 15 18 50 Miscellaneous household equipment.............. 72 24 29 44 91 170 Other housing.................................. 99 58 76 53 81 227 Apparel and services............................ 286 153 178 233 325 543 Males, 2 and over.............................. 76 38 45 58 82 154 Females, 2 and over............................ 101 46 61 82 114 202 Children under 2............................... 38 18 26 30 45 72 Other apparel products and services............ 71 50 45 63 84 115 Jewelry and watches........................... 24 9 8 17 40 47 All other apparel products and services....... 47 42 37 46 44 68 Transportation.................................. 51 17 32 50 49 106 Health care..................................... 49 28 52 26 61 79 Entertainment................................... 78 32 48 66 94 150 Toys, games, arts and crafts, and tricycles.... 28 14 21 27 33 43 Other entertainment............................ 51 18 27 39 62 106 Personal care products and services............. 29 10 21 22 29 63 Reading......................................... 1 a/ 1 1 2 2 Education....................................... 250 28 22 64 188 946 All other gifts................................. 94 48 52 77 109 186 a Value less than 0.5. b Data are likely to have large sampling errors. n.a. Not applicable.