### Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey**, 2010 http://www.bls.gov/cex/#tables** 

**Item Al** **l consumer units** **Lowest 20**

**percent Second 20** 

**percent Third 20** 

**percent Fourth 20** 

**percent Highest 20** 

**percent Number of consumer units (in thousands)**  121,107 24,210 24,277 24,175 24,215 24,231 **Lower limit** n.a. n.a. $18,439$35,209$57,340$91,931

**Consumer unit characteristics:**

Income before taxes $62,481 $9,906$26,777$45,552$72,794$157,369 Income after taxes $60,712$10,034$26,966$45,189$71,220$150,144 Age of reference person 49.4 51.0 51.7 49.3 47.3 47.8
Average number in consumer unit: Persons 2.5 1.7 2.3 2.6 2.9 3.2 Children under 18 0.6 0.4 0.6 0.6 0.7 0.8 Persons 65 and over 0.3 0.4 0.5 0.4 0.2 0.2 Earners 1.3 0.5 0.9 1.3 1.7 2.0 Vehicles 1.9 0.9 1.5 2.0 2.4 2.8

**Percent distribution:** Sex of reference person: Male 47 37 41 49 52 54 Female 53 63 59 51 48 46
Housing tenure: Homeowner 66 40 54 67 78 89 With mortgage 41 12 23 41 57 71 Without mortgage 25 28 31 27 21 18 Renter 34 60 46 33 22 11
Race of reference person: Black or African-American 12 19 15 12 10 5 White, Asian, and all other races 88 81 85 88 90 95
Hispanic or Latino origin of reference person: Hispanic or Latino 12 14 16 12 11 8 Not Hispanic or Latino 88 86 84 88 89 92
Education of reference person:

1Elementary (1-8) 5 9 7 5 3 1 High school (9-12) 35 48 45 37 29 15 College 60 43 48 59 68 84 Never attended and other a/ 1 a/ a/ a/ a/

At least one vehicle owned or leased 88 66 86 94 97 98

**Av erage annual expenditures**  $48,109$20,953$30,285$41,212$55,212$92,870

Food $6,129 $3,309 $4,214 $5,596 $6,843$10,676 Food at home $3,624 $2,270 $2,816 $3,433 $3,917 $5,683 Cereals and bakery products $502 $315 $400 $465 $552 $775 Cereals and cereal products $165 $104 $135 $153 $180 $251 Bakery products $337 $211 $265 $312 $373 $524 Meats, poultry, fish, and eggs $784 $519 $608 $762 $854 $1,179 Beef $217 $133 $157 $213 $254 $326 Pork $149 $99 $120 $160 $162 $203 Other meats $117 $78 $85 $109 $137 $177 Poultry $138 $100 $115 $136 $141 $199 Fish and seafood $117 $74 $91 $99 $113 $209 Eggs $46 $35 $40 $45 $46 $65
Dairy products $380 $230 $291 $355 $414 $611 Fresh milk and cream $141 $95 $118 $132 $155 $205 Other dairy products $240 $135 $174 $224 $259 $406 Fruits and vegetables $679 $410 $539 $615 $711 $1,122 Fresh fruits $232 $133 $181 $195 $244 $408 Fresh vegetables $210 $127 $170 $188 $222 $345 Processed fruits $113 $70 $85 $108 $115 $186 Processed vegetables $124 $80 $103 $123 $130 $183 Other food at home $1,278 $796 $977 $1,236 $1,385 $1,996 Sugar and other sweets $132 $85 $101 $124 $146 $203 Fats and oils $103 $69 $83 $103 $105 $153 Miscellaneous foods $667 $414 $499 $630 $731 $1,059 Nonalcoholic beverages $333 $217 $276 $345 $348 $481
Food prepared by consumer unit on out-of-town trips $43 $10 $18 $34 $55 $99 Food away from home $2,505 $1,039 $1,398 $2,164 $2,926 $4,993
Alcoholic beverages $412 $153 $211 $359 $466 $869

2Housing $16,557 $8,667$11,369$14,508$18,625$29,615 Shelter $9,812 $5,167 $6,586 $8,496$10,912$17,897 Owned dwellings $6,277 $1,739 $2,929 $4,960 $7,663$14,096 Mortgage interest and charges $3,351 $690 $1,180 $2,531 $4,347 $8,009 Property taxes $1,814 $589 $1,003 $1,440 $2,118 $3,920
Maintenance, repairs, insurance, other expenses $1,112 $460 $746 $989 $1,198 $2,167 Rented dwellings $2,900 $3,262 $3,421 $3,184 $2,657 $1,974 Other lodging $635 $167 $236 $353 $592 $1,827
Utilities, fuels, and public services $3,660 $2,216 $3,053 $3,603 $4,185 $5,242 Natural gas $440 $239 $365 $414 $486 $696 Electricity $1,413 $957 $1,242 $1,408 $1,583 $1,873 Fuel oil and other fuels $140 $89 $109 $127 $144 $232 Telephone services $1,178 $654 $956 $1,193 $1,392 $1,693 Water and other public services $489 $276 $382 $461 $580 $748 Household operations $1,007 $373 $513 $733 $1,147 $2,270 Personal services $340 $92 $124 $188 $403 $893 Other household expenses $667 $281 $389 $545 $744 $1,377
Housekeeping supplies $612 $343 $423 $525 $713 $1,054 Laundry and cleaning supplies $150 $104 $115 $146 $171 $216 Other household products $329 $167 $225 $271 $397 $585 Postage and stationery $132 $72 $83 $108 $145 $253 Household furnishings and equipment $1,467 $568 $794 $1,151 $1,668 $3,152 Household textiles $102 $52 $52 $80 $115 $213 Furniture $355 $140 $195 $280 $383 $778 Floor coverings $36 $7 $9 $29 $33 $103 Major appliances $209 $69 $114 $183 $276 $404 Small appliances, miscellaneous housewares $107 $46 $61 $110 $107 $208 Miscellaneous household equipment $657 $255 $362 $469 $753 $1,446
Apparel and services $1,700 $774 $1,154 $1,372 $1,737 $3,461 Men and boys $382 $145 $236 $301 $393 $833 Men, 16 and over $304 $102 $184 $227 $310 $697 Boys, 2 to 15 $78 $43 $52 $74 $83 $136 Women and girls $663 $295 $455 $522 $735 $1,304 Women, 16 and over $562 $236 $384 $439 $632 $1,115 Girls, 2 to 15 $101 $59 $71 $83 $103 $189 Children under 2 $91 $54 $76 $89 $95 $138 Footwear $303 $174 $254 $303 $280 $507

3Other apparel products and services $261 $106 $133 $157 $233 $679
Transportation $7,677 $2,868 $5,002 $7,160 $9,432$13,924

Vehicle purchases (net outlay) $2,588 $627 $1,583 $2,320 $3,373 $5,040 Cars and trucks, new $1,219 $127 $533 $1,074 $1,557 $2,805 Cars and trucks, used $1,318 $497 $1,015 $1,174 $1,724 $2,179 Other vehicles $51 b/ 2 b/ 35 $71 $92 $55 Gasoline and motor oil $2,132 $1,009 $1,598 $2,180 $2,634 $3,240 Other vehicle expenses $2,464 $1,082 $1,585 $2,347 $2,967 $4,337 Vehicle finance charges $243 $48 $127 $234 $365 $441 Maintenance and repairs $787 $369 $537 $721 $917 $1,392 Vehicle insurance $1,010 $535 $708 $1,082 $1,199 $1,526
Vehicle rental, leases, licenses, and other charges $423 $130 $212 $311 $485 $979 Public transportation $493 $150 $235 $313 $457 $1,307

Health care $3,157 $1,524 $2,649 $3,068 $3,715 $4,827 Health insurance $1,831 $886 $1,578 $1,863 $2,201 $2,624 Medical services $722 $264 $537 $631 $845 $1,335 Drugs $485 $321 $437 $476 $538 $653 Medical supplies $119 $54 $96 $98 $132 $215

Entertainment $2,504 $1,018 $1,450 $1,984 $2,792 $5,277 Fees and admissions $581 $131 $193 $373 $599 $1,610 Audio and visual equipment and services $954 $538 $698 $919 $1,129 $1,487 Pets, toys, hobbies, and playground equipment $606 $261 $408 $502 $727 $1,128
Other entertainment supplies, equipment, and services $364 $88 $150 $190 $338 $1,052
Personal care products and services $582 $277 $386 $488 $642 $1,117
Reading $100 $45 $66 $84 $107 $197

Education $1,074 $635 $408 $510 $813 $3,005
Tobacco products and smoking supplies $362 $323 $375 $421 $420 $272

Miscellaneous $849 $356 $461 $797 $1,169 $1,461

4Cash contributions $1,633 $559 $981 $1,392 $1,927 $3,307
Personal insurance and pensions $5,373 $446 $1,560 $3,473 $6,523$14,861 Life and other personal insurance $318 $89 $148 $215 $364 $775 Pensions and Social Security $5,054 $357 $1,412 $3,258 $6,159$14,086
**Sources of income and personal taxes:**
Money income before taxes $62,481 $9,906$26,777$45,552$72,794$157,369 Wages and salaries $49,568 $3,856$15,419$33,159$59,928$135,474 Self-employment income $2,820 -$957 $634 $1,334 $3,001 $10,087
Social Security, private and government retirement $7,173 $4,644 $8,251 $8,499 $7,375 $7,094
Interest, dividends, rental income, other property income $1,182 $131 $409 $885 $945 $3,539
Unemployment and workers' compensation, veterans' benefits $634 $380 $714 $797 $769 $508
Public assistance, supplemental security income, food stamps $505 $1,086 $747 $377 $235 $82 Regular contributions for support $407 $401 $409 $357 $433 $437 Other income $192 $365 $195 $145 $109 $149

Personal taxes $1,769 -$129 -$189 $363 $1,573 $7,225 Federal income taxes $1,136 -$163 -$330 $54 $898 $5,219 2008 Tax stimulus (thru Q20091) c/ c/ c/ c/ c/ c/ State and local income taxes $482 -$3 $66 $212 $494 $1,643 Other taxes $151 $38 $75 $98 $181 $364

Income after taxes $60,712$10,034$26,966$45,189$71,220$150,144

**Ad denda:**  Net change in total assets and liabilities -$4,458 $557 -$345 -$1,894 -$7,194-$13,412 Net change in total assets $5,503 $1,250 $889 $4,477 $5,096$15,805 Net change in total liabilities $9,960 $692 $1,234 $6,371 $12,290$29,216

Other financial information:
Other money receipts $555 $399 $427 $558 $383 $1,008 Mortgage principal paid on owned property -$2,013 -$389 -$706 -$1,427 -$2,527 -$5,018 Estimated market value of owned home $155,083$57,423$92,064$123,211$173,902$328,790

5Estimated monthly rental value of owned home $849 $350 $536 $731 $989 $1,640
Gifts of goods and services $1,029 $374 $557 $701 $1,002 $2,513 Food $89 $26 $28 $64 $85 $239 Alcoholic beverages $14 $4 $9 $11 $22 $25 Housing $199 $134 $104 $149 $191 $417 Housekeeping supplies $25 $17 $19 $22 $26 $42 Household textiles $8 $3 $3 $11 $9 $16 Appliances and miscellaneous housewares $22 $9 $8 $29 $18 $47 Major appliances $5 a/ $3 b/ 3 $6 $12 Small appliances and miscellaneous housewares $17 $8 $6 $26 $12 $35 Miscellaneous household equipment $47 $13 $29 $33 $45 $113 Other housing $97 $93 $45 $53 $94 $198 Apparel and services $212 $89 $192 $212 $218 $348 Males, 2 and over $50 $17 $36 $40 $51 $103 Females, 2 and over $73 $31 $80 $75 $67 $113 Children under 2 $47 $22 $36 $49 $51 $76 Other apparel products and services $42 $18 $39 $48 $49 $56 Jewelry and watches $17 $5 $11 $20 $24 $26 All other apparel products and services $25 $13 $28 $28 $24 $30 Transportation $85 $17 $48 $61 $151 $147 Health care $21 b/ 4 $9 $20 $23 $49 Entertainment $95 $45 $51 $64 $96 $219 Toys, games, arts and crafts, and tricycles $38 b/ 12 $25 $19 $34 $98 Other entertainment $58 $34 $26 $45 $63 $120 Personal care products and services $13 $3 $24 $9 $8 $23 Reading $1 $1 $1 $1 $1 $2 Education $221 $17 $39 $56 $105 $886 All other gifts $80 $34 $53 $55 $101 $157
a Value is less than or equal to 0.5. b Data are likely to have large sampling errors. c No data reported. n.a. Not applicable.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2011

6112,630 0.02752 0.03729

789http://www.bls.gov/cex/csxgloss.htm#trans
"Vehicle purchases (net outlay) includes the net outlay (purchase price minus trade-in value) on new and used domestic and imported cars and trucks and other vehicles, including motorcycles and private planes."

**"Vehicle finance charges**includes the dollar amount of interest paid for a loan contracted for the purchase of vehicles described above."

10**Item Al** **l consumer**  **units Lowest 20** 

**percent Second 20** 

**percent Third 20** 

**percent Fourth 20** 

**percent Highest 20** 

**percent Number of consumer units (in thousands)**  121,107 24,210 24,277 24,175 24,215 24,231 **Lower limit** n.a. n.a.$18,439$35,209$57,340$91,931

**Consumer unit characteristics:**

Income before taxes $62,481 $9,906$26,777$45,552$72,794$157,369 Income after taxes $60,712$10,034$26,966$45,189$71,220$150,144 Age of reference person 49.4 51.0 51.7 49.3 47.3 47.8

Average number in consumer unit: Persons 2.5 1.7 2.3 2.6 2.9 3.2 Children under 18 0.6 0.4 0.6 0.6 0.7 0.8 Persons 65 and over 0.3 0.4 0.5 0.4 0.2 0.2 Earners 1.3 0.5 0.9 1.3 1.7 2.0 Vehicles 1.9 0.9 1.5 2.0 2.4 2.8

Housing tenure: Homeowner 66 40 54 67 78 89 With mortgage 41 12 23 41 57 71 Without mortgage 25 28 31 27 21 18 Renter 34 60 46 33 22 11

Housing $16,557 $8,667$11,369$14,508$18,625$29,615 Shelter $9,812 $5,167 $6,586 $8,496$10,912$17,897 Owned dwellings $6,277 $1,739 $2,929 $4,960 $7,663$14,096 Mortgage interest and charges $3,351 $690 $1,180 $2,531 $4,347 $8,009



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