Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005

Item

Total

two

persons

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Number of consumer units (in thousands) ....... 37,549 773 1,217 1,903 2,398 4,970 4,865 4,120 6,490 10,813 

Consumer unit characteristics: 

Income before taxes ..................................... $60,230 $997 $7,813 $12,686 $17,679 $24,970 $34,708 $44,787 $59,131 $122,405 

Income after taxes ........................................ 57,366 796 7,895 12,760 17,569 24,169 34,015 43,695 56,658 115,058 

Age of reference person ................................ 52.8 49.6 50.3 52.8 59.2 57.1 54.7 52.7 50.6 50.6 

Average number in consumer unit:

Persons ........................................................ 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 

Children under 18 ........................................ .1 .3 .3 .2 .1 .1 .1 .1 1 ( ) 1 ( )

Persons 65 and over .................................... .5 .4 .5 .6 .9 .8 .7 .5 .4 .3 

Earners ........................................................ 1.3 .5 .5 .7 .6 .9 1.1 1.3 1.5 1.7 

Vehicles ....................................................... 2.2 1.2 1.1 1.4 1.6 1.8 2.1 2.2 2.4 2.7 

Percent distribution:

Sex of reference person:

Male ............................................................. 52 36 39 36 50 47 51 51 55 59 

Female ......................................................... 48 64 61 64 50 53 49 49 45 41 

Housing tenure:

Homeowner .................................................. 75 49 44 53 66 68 72 74 79 89 

With mortgage ............................................ 40 18 14 16 18 21 31 37 48 64 

Without mortgage ....................................... 35 31 31 37 48 47 41 37 31 25 

Renter .......................................................... 25 51 56 47 34 32 28 26 21 11 

Race of reference person:

Black or African-American ........................... 10 24 29 20 15 13 11 9 7 4 

White, Asian, and all other races ................. 90 76 71 80 85 87 89 91 93 96 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 6 11 13 11 10 8 7 7 5 4 

Not Hispanic or Latino .................................. 94 89 87 89 90 92 93 93 95 96 

Education of reference person:

Elementary (1-8) .......................................... 4 7 14 14 12 7 4 3 1 1 

High school (9-12) ........................................ 36 46 51 50 51 51 47 40 31 16 

College ......................................................... 60 47 35 36 36 42 49 58 68 83 

Never attended and other ............................ 2 ( ) 2 ( ) 2 ( ) 2 ( ) 1 2 ( ) 2 ( ) 3 ( ) 2 ( ) 3 ( )

At least one vehicle owned or leased ............ 93 66 64 80 85 90 94 96 98 98 

Average annual expenditures .......................... $47,119 $24,711 $19,816 $22,190 $24,445 $29,554 $33,914 $40,334 $47,567 $76,923 

Food ............................................................... 5,826 4,099 3,384 3,578 3,654 4,152 4,624 5,366 5,838 8,301 

Food at home ............................................... 3,215 2,564 2,270 2,295 2,559 2,543 2,755 3,231 3,282 4,024 

Cereals and bakery products ..................... 423 356 318 318 330 348 383 430 451 500 

Cereals and cereal products .................... 130 117 102 102 109 108 121 130 136 151 

Bakery products ....................................... 293 239 216 215 221 239 262 300 316 349 

Meats, poultry, fish, and eggs .................... 801 621 666 568 670 630 694 850 830 961 

Beef .......................................................... 232 162 200 156 211 176 211 239 240 278 

Pork .......................................................... 169 131 129 146 147 147 156 202 189 172 

Other meats ............................................. 105 85 95 72 87 80 84 111 106 131 

Poultry ...................................................... 132 131 108 98 116 103 113 123 135 165 

Fish and seafood ..................................... 128 76 103 67 74 91 96 140 124 177 

Eggs ......................................................... 36 36 31 30 36 33 35 36 35 39 

Dairy products ............................................ 354 309 235 267 291 295 307 358 364 429 

Fresh milk and cream .............................. 127 139 108 113 121 120 123 136 122 135 

Other dairy products ................................ 227 171 127 154 170 175 184 222 242 294 

Fruits and vegetables ................................. 559 478 386 428 459 435 476 550 545 715 

Fresh fruits ............................................... 188 168 118 134 158 142 155 184 181 246 

Fresh vegetables ..................................... 186 164 136 154 142 137 149 161 181 251 

Processed fruits ....................................... 103 63 68 83 86 89 95 114 97 124 

Processed vegetables .............................. 82 83 64 57 73 67 76 90 86 94 

See footnotes at end of table.
Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other food at home .................................... $1,078 $800 $665 $714 $809 $836 $896 $1,044 $1,092 $1,419 

Sugar and other sweets ........................... 127 114 91 90 106 105 103 120 127 161 

Fats and oils ............................................. 86 81 62 64 73 83 77 95 86 96 

Miscellaneous foods ................................ 529 349 283 343 382 388 431 517 545 711 

Nonalcoholic beverages ........................... 284 243 204 200 225 238 244 278 279 357 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 414 25 18 24 22 41 34 55 94 

Food away from home ................................. 2,612 1,534 1,115 1,284 1,096 1,609 1,868 2,134 2,556 4,277 

Alcoholic beverages ....................................... 537 229 194 198 203 270 335 492 520 926 

Housing .......................................................... 14,694 9,601 7,525 8,144 8,853 9,550 11,076 12,693 14,339 23,168 

Shelter .......................................................... 8,327 5,948 4,205 4,455 4,690 5,094 5,965 6,874 8,176 13,643 

Owned dwellings ........................................ 5,723 2,750 1,543 1,788 2,497 2,679 3,494 4,384 5,673 10,758 

Mortgage interest and charges ................ 2,825 1,039 611 665 843 949 1,466 1,945 2,883 5,794 

Property taxes .......................................... 1,644 955 602 637 871 985 1,124 1,428 1,602 2,802 

Maintenance, repairs, insurance, other

expenses ................................................ 1,255 756 329 486 783 746 904 1,011 1,188 2,162 

Rented dwellings ........................................ 1,949 2,779 2,503 2,517 2,011 2,159 2,148 2,110 1,956 1,463 

Other lodging ............................................. 654 419 159 150 182 255 322 380 547 1,422 

Utilities, fuels, and public services ............... 3,140 2,286 2,119 2,367 2,542 2,668 2,860 3,061 3,208 3,917 

Natural gas ................................................. 454 351 298 291 384 389 409 466 449 573 

Electricity .................................................... 1,150 921 861 979 978 1,016 1,049 1,101 1,155 1,390 

Fuel oil and other fuels ............................... 151 484 60 115 149 142 163 145 148 174 

Telephone services .................................... 1,026 727 671 750 747 840 923 1,005 1,080 1,305 

Water and other public services ................. 358 202 229 231 283 280 316 343 375 474 

Household operations .................................. 634 240 267 272 306 391 449 467 535 1,157 

Personal services ....................................... 81 452 465 85 78 109 99 103 62 65 

Other household expenses ........................ 553 188 202 187 228 282 350 364 473 1,092 

Housekeeping supplies ................................ 667 295 344 361 477 460 508 638 697 942 

Laundry and cleaning supplies .................. 138 101 115 96 106 121 112 148 146 164 

Other household products .......................... 342 130 132 182 221 215 271 314 365 499 

Postage and stationery .............................. 187 65 97 83 151 125 125 176 187 279 

Household furnishings and equipment ......... 1,926 832 591 689 838 937 1,294 1,653 1,722 3,510 

Household textiles ...................................... 172 29 50 57 83 105 124 172 159 282 

Furniture ..................................................... 497 283 186 232 234 186 296 464 404 955 

Floor coverings .......................................... 66 440 12 20 22 16 21 70 63 135 

Major appliances ........................................ 253 97 104 93 205 130 170 181 263 434 

Small appliances, miscellaneous

housewares .............................................. 121 52 57 36 52 71 93 107 94 210 

Miscellaneous household equipment ......... 817 331 182 250 242 429 591 659 737 1,493 

Apparel and services ..................................... 1,705 963 1,091 1,073 727 910 1,048 1,345 1,509 2,963 

Men and boys .............................................. 381 102 196 307 186 191 201 337 336 659 

Men, 16 and over ....................................... 348 75 134 280 155 161 161 302 299 630 

Boys, 2 to 15 .............................................. 33 27 61 27 31 30 40 35 37 28 

Women and girls .......................................... 703 398 498 372 282 388 467 526 633 1,203 

Women, 16 and over .................................. 658 372 451 337 253 343 428 484 589 1,147 

Girls, 2 to 15 ............................................... 46 26 47 35 30 44 39 42 44 56 

Children under 2 .......................................... 43 456 56 19 29 34 22 29 37 68 

Footwear ...................................................... 256 4298 193 226 114 181 177 203 275 362 

Other apparel products and services ........... 322 109 148 148 116 117 181 250 228 672 

Transportation ................................................ 8,637 3,875 2,835 3,709 4,236 5,877 6,192 7,993 10,041 13,238 

Vehicle purchases (net outlay) ..................... 3,729 41,463 4919 1,387 1,376 2,566 2,333 3,520 4,751 5,770 

Cars and trucks, new ................................. 2,174 41,094 4383 4519 4606 1,459 1,297 1,863 2,527 3,722 

Cars and trucks, used ................................ 1,456 369 536 869 769 1,097 1,026 1,534 2,066 1,856 

Other vehicles ............................................ 99 3 ( ) 3 ( ) 3 ( ) 3 ( ) 410 410 4123 158 193 

Gasoline and motor oil ................................. 1,838 1,067 919 1,094 1,207 1,414 1,634 1,795 2,103 2,413 

See footnotes at end of table.
Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Other vehicle expenses ............................... $2,517 $1,070 $845 $1,060 $1,442 $1,653 $1,974 $2,340 $2,739 $3,874 

Vehicle finance charges ............................. 321 83 62 107 117 178 278 311 387 501 

Maintenance and repairs ........................... 711 291 322 365 452 480 534 592 745 1,110 

Vehicle insurance ....................................... 986 510 339 453 632 754 856 997 1,148 1,328 

Vehicle rental, leases, licenses, and other

charges .................................................... 499 187 121 135 241 241 306 440 459 936 

Public transportation .................................... 553 275 152 168 211 245 252 339 449 1,179 

Healthcare ...................................................... 3,292 1,930 1,724 2,011 2,814 3,079 3,369 3,398 3,263 3,931 

Health insurance .......................................... 1,694 1,090 913 1,069 1,580 1,679 1,731 1,892 1,708 1,869 

Medical services .......................................... 773 357 367 388 454 560 682 655 750 1,184 

Drugs ........................................................... 688 401 367 499 678 744 820 734 640 701 

Medical supplies .......................................... 136 82 77 55 101 96 136 116 165 177 

Entertainment ................................................. 2,550 1,051 911 900 1,135 1,695 1,765 1,990 2,566 4,372 

Fees and admissions ................................... 590 288 151 156 166 235 322 369 548 1,225 

Audio and visual equipment and services .... 847 399 502 476 503 609 760 773 904 1,199 

Pets, toys, hobbies, and playground

equipment .................................................. 462 275 163 178 188 266 358 358 422 806 

Other entertainment supplies, equipment,

and services ............................................... 651 90 95 88 278 585 325 490 692 1,141 

Personal care products and services ............. 607 312 220 272 353 419 446 548 618 941 

Reading .......................................................... 155 65 59 54 74 88 115 133 160 262 

Education ....................................................... 780 597 326 468 200 304 274 466 647 1,672 

Tobacco products and smoking supplies ....... 323 326 290 291 359 335 389 345 339 272 

Miscellaneous ................................................ 859 584 422 432 323 558 709 734 948 1,316 

Cash contributions ......................................... 1,892 679 380 418 676 932 1,114 1,404 1,635 3,810 

Personal insurance and pensions .................. 5,261 400 454 644 840 1,387 2,458 3,426 5,145 11,753 

Life and other personal insurance ................ 447 153 140 178 231 263 339 388 462 745 

Pensions and Social Security ...................... 4,814 248 313 466 608 1,124 2,119 3,039 4,684 11,008 

Sources of income and personal taxes: 

Money income before taxes ........................... 60,230 997 7,813 12,686 17,679 24,970 34,708 44,787 59,131 122,405 

Wages and salaries ..................................... 43,372 1,824 2,579 4,753 6,298 11,756 19,777 29,699 44,347 95,726 

Self-employment income ............................. 3,827 -2,819 4-149 295 193 533 1,030 1,318 2,582 10,652 

Social Security, private and government

retirement ................................................... 10,205 953 3,247 5,804 9,985 11,342 12,187 11,972 10,038 10,486 

Interest, dividends, rental income, other

property income ......................................... 1,889 155 213 141 183 524 822 1,022 1,358 4,643 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 213 489 488 4132 142 177 212 324 293 191 

Public assistance, supplemental security

income, food stamps .................................. 219 498 1,406 1,022 513 225 216 81 435 420 

Regular contributions for support ................. 330 146 278 330 290 330 367 262 313 377 

Other income ............................................... 176 4150 150 209 76 84 96 108 166 308 

Personal taxes ............................................... 2,863 201 -82 -74 110 801 692 1,092 2,473 7,347 

Federal income taxes ................................... 2,094 71 -152 -132 -6 557 355 653 1,825 5,547 

State and local income taxes ....................... 543 11 4 -4 33 88 171 231 412 1,425 

Other taxes .................................................. 227 4120 66 62 83 156 166 209 235 376 

Income after taxes ......................................... 57,366 796 7,895 12,760 17,569 24,169 34,015 43,695 56,658 115,058 

See footnotes at end of table.
Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

two

persons

Less

than

$5,000

$5,000

to

$9,999

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Addenda:

Net change in total assets and liabilities ........ - $5,941 $3,674 - $526 $647 - $193 $232 $363 - $4,179 - $8,713 - $14,356 

Net change in total assets ............................ 9,364 5,587 -647 2,280 1,831 2,700 7,130 7,631 8,807 18,740 

Net change in total liabilities ........................ 15,305 1,913 -121 1,633 2,024 2,467 6,768 11,810 17,520 33,096 

Other financial information:

Other money receipts ................................... 741 4174 769 108 145 331 350 372 811 1,486 

Mortgage principal paid on owned

property ...................................................... -2,058 -588 -464 -435 -666 -674 -1,140 -1,342 -1,737 -4,452 

Estimated market value of owned home ...... 170,119 92,943 69,364 75,872 93,332 102,882 129,187 139,566 158,902 288,292 

Estimated monthly rental value of owned

home .......................................................... 890 488 392 432 556 615 689 776 877 1,396 

Gifts of goods and services ............................ 1,540 660 433 519 375 518 662 782 1,124 3,510 

Food ............................................................. 129 444 30 84 17 37 48 65 68 311 

Alcoholic beverages ..................................... 21 411 44 2 ( ) 42 9 9 8 26 42 

Housing ........................................................ 329 126 131 107 132 136 174 188 281 671 

Housekeeping supplies .............................. 60 43 431 11 38 38 39 48 50 103 

Household textiles ...................................... 21 42 417 43 416 18 15 12 23 33 

Appliances and miscellaneous

housewares .............................................. 33 48 41 46 46 16 21 17 22 73 

Major appliances ...................................... 11 47 2 ( ) 42 2 ( ) 44 8 2 4 26 

Small appliances and miscellaneous

housewares ............................................ 23 41 41 43 46 12 13 14 18 47 

Miscellaneous household equipment ......... 87 427 19 8 27 31 60 55 95 164 

Other housing ............................................ 127 87 63 78 44 33 39 55 90 298 

Apparel and services ................................... 291 238 182 128 116 144 177 229 257 515 

Males, 2 and over ...................................... 78 422 67 48 47 39 46 63 72 133 

Females, 2 and over .................................. 113 455 44 28 26 57 65 91 94 214 

Children under 2 ........................................ 39 431 34 11 24 24 21 28 35 68 

Other apparel products and services ......... 61 4131 438 441 418 24 45 48 56 101 

Jewelry and watches ................................ 19 42 48 42 46 8 14 13 21 35 

All other apparel products and services ... 42 4129 431 439 412 416 32 35 35 66 

Transportation .............................................. 62 5 410 6 3 11 58 36 40 145 

Health care ................................................... 39 46 47 46 48 22 10 22 29 92 

Entertainment ............................................... 97 428 419 41 42 46 60 78 79 190 

Toys, games, arts and crafts, and

tricycles .................................................... 39 418 47 20 22 27 29 34 39 63 

Other entertainment ................................... 59 411 411 21 20 19 31 44 40 127 

Personal care products and services ........... 21 45 48 42 8 14 8 19 24 36 

Reading ........................................................ 2 3 ( ) 2 ( ) 41 2 ( ) 1 2 1 3 3 

Education ..................................................... 415 4180 425 484 415 21 26 42 238 1,226 

All other gifts ................................................ 133 16 17 61 32 76 90 95 78 278 

1 Value less than 0.05. 2 Value less than or equal to 0.5. 3 No data reported.4 Data are likely to have large sampling errors.

n.a. Not applicable.