Table 7. Housing tenure and type of area: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2004 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)........... 116,282 78,698 49,098 29,600 37,584 101,336 34,336 67,001 14,945 Consumer unit characteristics: Income before taxes ............................. $54,453 $65,436 $76,571 $46,967 $31,455 $55,769 $46,596 $60,470 $45,530 Income after taxes .............................. 52,287 62,574 73,104 45,107 30,748 53,542 44,668 58,090 43,779 Age of reference person.......................... 48.5 52.3 46.3 62.3 40.4 48.0 46.7 48.7 51.6 Average number in consumer unit: Persons......................................... 2.5 2.6 2.9 2.1 2.2 2.5 2.4 2.5 2.5 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 .9 1.2 1.3 1.2 1.4 1.3 Vehicles........................................ 1.9 2.3 2.5 2.0 1.2 1.9 1.5 2.0 2.5 Percent distribution: Sex of reference person: Male............................................ 48 50 52 46 45 48 46 49 47 Female.......................................... 52 50 48 54 55 52 54 51 53 Housing tenure: Homeowner....................................... 68 100 100 100 n.a. 65 53 72 83 With mortgage.................................. 42 62 100 n.a. n.a. 43 34 47 39 Without mortgage............................... 25 38 n.a. 100 n.a. 23 19 25 43 Renter.......................................... 32 n.a. n.a. n.a. 100 35 47 28 17 Race of reference person: Black or African-American....................... 12 9 9 8 19 13 20 9 5 White, Asian, and All Other Races............... 88 91 91 92 81 87 80 91 95 Hispanic or Latino origin of reference person: Hispanic or Latino (new UCC Q20032)............. 11 8 9 6 16 11 16 9 6 Not Hispanic or Latino (new UCC Q20032)......... 89 92 91 94 84 89 84 91 94 Education of reference person: Elementary (1-8)................................ 5 5 3 8 7 5 7 4 7 High school (9-12).............................. 35 34 28 45 38 34 35 34 45 College......................................... 59 61 69 47 54 61 59 62 47 Never attended and other........................ a/ a/ a/ a/ a/ a/ a/ a/ a/ At least one vehicle owned or leased............. 88 95 97 92 74 87 79 91 95 Average annual expenditures....................... $43,395 $50,195 $57,978 $36,936 $29,170 $44,172 $38,428 $47,107 $38,088 Food............................................. 5,781 6,451 7,095 5,197 4,383 5,854 5,325 6,122 5,263 Food at home.................................... 3,347 3,711 3,975 3,188 2,587 3,370 3,053 3,529 3,181 Cereals and bakery products.................... 461 511 542 449 358 463 410 490 444 Cereals and cereal products................... 154 164 178 135 133 154 146 159 149 Bakery products............................... 307 347 363 313 225 309 264 331 295 Meats, poultry, fish, and eggs................. 880 963 1,033 822 707 882 845 901 861 Beef.......................................... 265 297 317 256 200 261 233 275 296 Pork.......................................... 181 199 205 188 144 175 170 177 227 Other meats................................... 108 120 129 100 84 109 95 116 102 Poultry....................................... 156 167 188 126 132 160 160 160 123 Fish and seafood.............................. 128 137 150 110 109 136 143 133 68 Eggs.......................................... 42 44 44 43 38 41 44 40 44 Dairy products................................. 371 413 437 366 281 373 324 397 356 Fresh milk and cream.......................... 144 155 163 140 121 143 126 151 157 Other dairy products.......................... 226 258 274 226 160 230 198 246 199 Fruits and vegetables.......................... 561 619 651 554 440 575 523 601 464 Fresh fruits.................................. 187 208 217 191 142 192 176 201 147 Fresh vegetables.............................. 183 201 212 179 145 188 173 196 144 Processed fruits.............................. 110 119 126 107 89 112 102 117 90 Processed vegetables.......................... 82 90 97 77 64 81 72 86 83 Other food at home............................. 1,075 1,206 1,311 997 802 1,077 951 1,141 1,057 Sugar and other sweets........................ 128 147 156 130 89 128 113 136 126 Fats and oils................................. 89 99 103 90 69 88 84 90 96 Miscellaneous foods........................... 527 593 656 467 390 533 464 568 486 Nonalcoholic beverages........................ 290 316 343 263 234 287 256 303 307 Food prepared by consumer unit on out-of-town trips............................ 41 51 53 48 20 41 34 44 43 Food away from home............................. 2,434 2,740 3,121 2,009 1,796 2,484 2,271 2,592 2,081 Alcoholic beverages.............................. 459 492 547 386 391 484 473 489 287 Housing.......................................... 13,918 15,653 19,169 9,786 10,290 14,487 12,866 15,316 10,059 Shelter......................................... 7,998 8,503 11,272 3,912 6,941 8,488 7,683 8,901 4,678 Owned dwellings................................ 5,324 7,837 10,550 3,336 64 5,587 4,077 6,360 3,547 Mortgage interest and charges................. 2,936 4,320 6,848 127 38 3,096 2,286 3,512 1,851 Property taxes................................ 1,391 2,048 2,215 1,771 15 1,470 1,021 1,700 856 Maintenance, repairs, insurance, other expenses..................................... 997 1,468 1,487 1,438 10 1,020 770 1,148 840 Rented dwellings............................... 2,201 57 55 60 6,690 2,411 3,225 1,994 777 Other lodging.................................. 473 609 666 515 187 490 382 546 353 Utilities, fuels, and public services........... 2,927 3,442 3,722 2,979 1,847 2,940 2,632 3,098 2,834 Natural gas.................................... 424 528 564 467 207 457 459 456 202 Electricity.................................... 1,064 1,247 1,315 1,135 682 1,044 901 1,118 1,203 Fuel oil and other fuels....................... 121 162 147 186 34 100 45 128 261 Telephone services............................. 990 1,080 1,225 840 802 1,000 928 1,037 923 Water and other public services................ 327 425 471 350 123 340 299 360 245 Household operations............................ 753 930 1,081 679 382 793 679 851 482 Personal services.............................. 300 350 467 158 194 315 266 340 199 Other household expenses....................... 453 580 615 522 188 478 414 511 283 Housekeeping supplies........................... 594 712 747 641 351 597 511 640 578 Laundry and cleaning supplies.................. 149 165 173 147 115 146 135 152 165 Other household products....................... 290 357 378 316 151 292 237 320 278 Postage and stationery......................... 155 190 195 178 85 158 139 168 135 Household furnishings and equipment............. 1,646 2,066 2,347 1,575 770 1,669 1,361 1,826 1,488 Household textiles............................. 158 198 196 204 74 162 129 179 129 Furniture...................................... 417 522 646 318 197 435 326 491 292 Floor coverings................................ 52 71 86 46 12 53 41 59 44 Major appliances............................... 204 262 272 247 82 198 178 207 246 Small appliances, miscellaneous housewares.................................... 105 124 132 110 64 108 92 116 81 Miscellaneous household equipment.............. 711 888 1,016 650 341 713 594 773 696 Apparel and services............................. 1,816 2,007 2,346 1,373 1,416 1,867 1,770 1,915 1,464 Men and boys.................................... 406 455 533 310 304 415 387 428 348 Men, 16 and over............................... 317 356 407 260 236 323 298 336 276 Boys, 2 to 15.................................. 89 99 126 50 68 91 89 92 72 Women and girls................................. 739 843 969 600 521 756 673 798 615 Women, 16 and over............................. 631 717 817 521 451 645 586 674 535 Girls, 2 to 15................................. 108 126 152 79 70 112 87 124 80 Children under 2................................ 79 80 100 41 76 80 73 83 71 Footwear........................................ 329 342 396 236 300 335 352 327 281 Other apparel products and services............. 264 288 348 187 215 281 285 279 149 Transportation................................... 7,801 9,151 10,703 6,575 4,975 7,702 6,363 8,388 8,474 Vehicle purchases (net outlay).................. 3,397 4,057 4,849 2,744 2,014 3,290 2,535 3,677 4,125 Cars and trucks, new........................... 1,748 2,202 2,670 1,425 799 1,745 1,266 1,991 1,770 Cars and trucks, used.......................... 1,582 1,768 2,073 1,263 1,193 1,476 1,210 1,613 2,301 Other vehicles................................. 66 87 106 56 22 68 59 73 b/ 54 Gasoline and motor oil.......................... 1,598 1,826 2,075 1,413 1,120 1,549 1,270 1,692 1,926 Other vehicle expenses.......................... 2,365 2,758 3,216 1,997 1,544 2,389 2,055 2,560 2,206 Vehicle finance charges........................ 323 387 508 186 190 314 251 346 389 Maintenance and repairs........................ 652 755 839 615 436 652 581 688 650 Vehicle insurance.............................. 964 1,115 1,256 880 649 968 838 1,034 940 Vehicle rental, leases, licenses, other charges....................................... 426 501 612 315 269 455 384 492 227 Public transportation........................... 441 510 563 422 297 474 504 459 217 Health care...................................... 2,574 3,196 2,966 3,582 1,272 2,498 2,102 2,701 3,090 Health insurance................................ 1,332 1,653 1,524 1,866 660 1,303 1,089 1,413 1,526 Medical services................................ 648 818 825 806 294 618 508 675 852 Drugs........................................... 480 582 486 744 268 463 406 492 599 Medical supplies................................ 114 144 131 166 51 114 99 121 113 Entertainment.................................... 2,218 2,700 3,029 2,136 1,210 2,236 1,786 2,466 2,102 Fees and admissions............................. 528 655 752 495 261 556 444 613 341 Television, radios, sound equipment............. 788 889 1,018 673 576 803 714 848 686 Pets, toys, hobbies, and playground equipment... 381 466 541 333 203 370 288 411 460 Other entertainment supplies, equipment, and services................................... 522 690 719 635 171 508 340 595 615 Personal care products and services.............. 581 659 730 528 418 598 555 620 461 Reading.......................................... 130 156 162 147 76 134 124 139 108 Education........................................ 905 965 1,167 623 781 972 877 1,021 450 Tobacco products and smoking supplies............ 288 274 293 242 319 279 275 281 348 Miscellaneous.................................... 690 783 791 770 495 692 578 750 677 Cash contributions............................... 1,408 1,788 1,629 2,052 612 1,438 1,183 1,568 1,206 Personal insurance and pensions.................. 4,823 5,918 7,352 3,540 2,531 4,930 4,149 5,330 4,099 Life and other personal insurance............... 390 514 579 406 131 383 282 435 437 Pensions and Social Security.................... 4,433 5,404 6,772 3,134 2,400 4,547 3,867 4,895 3,662 Sources of income and personal taxes: Money income before taxes........................ 54,453 65,436 76,571 46,967 31,455 55,769 46,596 60,470 45,530 Wages and salaries.............................. 43,192 51,405 65,998 27,200 25,996 44,740 37,107 48,652 32,701 Self-employment income.......................... 3,008 3,947 4,324 3,322 1,041 2,911 2,314 3,218 3,663 Social Security, private and government retirement..................................... 5,848 7,500 4,223 12,935 2,390 5,666 4,835 6,091 7,084 Interest, dividends, rental income, other property income................................ 1,261 1,698 1,072 2,735 345 1,264 1,051 1,373 1,237 Unemployment and workers' compensation, veterans' benefits............................. 237 249 293 177 210 242 208 260 197 Public assistance, supplemental security income, food stamps............................ 308 170 141 218 597 313 491 222 275 Regular contributions for support............... 413 341 405 236 562 433 375 464 271 Other income.................................... 187 126 115 144 314 199 216 191 101 Personal taxes................................... 2,166 2,862 3,466 1,860 707 2,227 1,928 2,380 1,751 Federal income taxes............................ 1,519 2,018 2,443 1,314 474 1,571 1,355 1,682 1,167 State and local income taxes.................... 472 595 780 287 215 488 403 531 366 Other taxes..................................... 175 250 244 260 18 168 170 167 217 Income after taxes............................... 52,287 62,574 73,104 45,107 30,748 53,542 44,668 58,090 43,779 Addenda: Net change in total assets and liabilities....... -7,567 -10,541 -24,491 12,599 -1,340 -8,519 -9,759 -7,884 -1,111 Net change in total assets...................... 9,211 13,606 14,063 12,849 8 9,425 6,174 11,092 7,757 Net change in total liabilities................. 16,778 24,147 38,554 250 1,347 17,944 15,933 18,975 8,868 Other financial information: Other money receipts............................ 556 758 717 826 133 555 426 621 566 Mortgage principal paid on owned property....... -1,791 -2,634 -3,925 -493 -25 -1,834 -1,355 -2,079 -1,500 Estimated market value of owned home............ 137,639 202,334 219,359 174,094 2,172 141,803 105,259 160,531 109,405 Estimated monthly rental value of owned home.... 781 1,154 1,271 960 c/ 810 609 912 585 Gifts of goods and services...................... 1,215 1,489 1,546 1,378 643 1,228 1,058 1,315 1,132 Food............................................ 74 93 99 83 34 78 64 85 48 Alcoholic beverages............................. 20 20 25 11 19 21 17 23 11 Housing......................................... 283 334 335 331 176 284 253 299 277 Housekeeping supplies.......................... 61 79 77 81 24 65 64 65 37 Household textiles............................. 19 23 24 23 10 19 14 21 21 Appliances and miscellaneous housewares.................................... 32 36 35 39 22 33 32 33 27 Major appliances.............................. 12 12 9 19 10 12 12 12 11 Small appliances and miscellaneous housewares................................... 20 24 26 20 12 21 20 21 16 Miscellaneous household equipment.............. 72 92 95 84 30 68 62 71 96 Other housing.................................. 99 104 104 104 90 100 82 109 96 Apparel and services............................ 286 325 348 281 206 281 280 282 325 Males, 2 and over.............................. 76 86 87 84 53 70 73 68 118 Females, 2 and over............................ 101 121 126 112 59 101 90 106 106 Children under 2............................... 38 42 48 29 31 38 32 42 37 Other apparel products and services............ 71 75 87 55 63 73 86 66 63 Jewelry and watches........................... 24 28 38 13 15 26 25 27 10 All other apparel products and services....... 47 47 50 41 48 47 61 39 53 Transportation.................................. 51 65 65 64 22 44 28 53 95 Health care..................................... 49 64 49 88 19 46 51 43 72 Entertainment................................... 78 95 100 86 42 78 64 85 81 Toys, games, arts and crafts, and tricycles.... 28 34 35 31 15 27 22 30 32 Other entertainment............................ 51 62 65 54 27 51 42 55 50 Personal care products and services............. 29 32 39 19 21 30 27 32 20 Reading......................................... 1 2 1 2 1 1 1 1 2 Education....................................... 250 347 374 300 47 267 168 317 133 All other gifts................................. 94 112 111 113 57 98 104 95 67 a Value less than 0.5. b Data are likely to have large sampling errors. c No data reported. n.a. Not applicable.