Table 61. Housing tenure and type of area: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Housing tenure Type of area

Homeowner

Renter

Urban

Rural

Total

Homeowner

with

mortgage

Homeowner

without

mortgage

Total Central

City

Other

Urban

Number of consumer units (in thousands) ............... 116,282 78,698 49,098 29,600 37,584 101,336 34,336 67,001 14,945 

Percent distribution of consumer units ..................... 100.0 67.7 42.2 25.5 32.3 87.1 29.5 57.6 12.9 

Consumer unit characteristics (mean values): 

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 .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

At least one vehicle owned or leased .................... 88 95 97 92 74 87 79 91 95 

Annual aggregate expenditures ............................... $5,043,501 78.3 57.1 21.1 21.7 88.8 26.1 62.7 11.2 

Food ....................................................................... 670,766 75.4 54.9 20.5 24.6 88.7 27.0 61.7 11.3 

Food at home ....................................................... 388,283 74.9 53.4 21.6 25.1 88.2 26.8 61.5 11.8 

Cereals and bakery products ............................. 53,470 74.8 52.8 22.0 25.2 88.1 26.1 62.0 11.9 

Cereals and cereal products ............................ 17,843 72.0 52.1 19.9 28.0 88.0 27.9 60.1 12.0 

Bakery products ............................................... 35,627 76.3 53.2 23.0 23.7 88.1 25.2 62.9 11.9 

Meats, poultry, fish, and eggs ............................ 102,057 73.9 52.8 21.1 26.1 87.9 28.2 59.7 12.1 

Beef ................................................................. 30,783 75.6 53.8 21.8 24.4 86.2 25.8 60.4 13.8 

Pork ................................................................. 21,015 74.2 50.8 23.4 25.8 84.5 27.5 57.0 15.5 

Other meats ..................................................... 12,527 74.8 53.9 20.9 25.2 88.3 25.8 62.5 11.7 

Poultry .............................................................. 18,052 72.5 54.2 18.3 27.5 90.2 30.2 60.0 9.8 

Fish and seafood ............................................. 14,826 72.3 52.9 19.4 27.7 93.4 32.8 60.6 6.6 

Eggs ................................................................. 4,854 70.3 47.0 23.3 29.7 86.9 30.7 56.2 13.1 

See footnotes at end of table.
Table 61. Housing tenure and type of area: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Housing tenure Type of area

Homeowner

Renter

Urban

Rural

Total

Homeowner

with

mortgage

Homeowner

without

mortgage

Total Central

City

Other

Urban

Dairy products .................................................... $42,991 75.4 53.1 22.3 24.6 88.1 25.7 62.5 11.9 

Fresh milk and cream ...................................... 16,744 72.8 50.8 21.9 27.2 86.6 25.6 60.9 13.4 

Other dairy products ........................................ 26,247 77.0 54.5 22.5 23.0 89.1 25.7 63.5 10.9 

Fruits and vegetables ........................................ 65,077 74.5 52.2 22.3 25.5 89.8 27.3 62.4 10.2 

Fresh fruits ....................................................... 21,664 75.4 52.3 23.1 24.6 90.3 27.6 62.7 9.7 

Fresh vegetables ............................................. 21,223 74.3 52.1 22.2 25.7 90.3 27.7 62.6 9.7 

Processed fruits ............................................... 12,719 73.6 51.5 22.1 26.4 89.8 27.4 62.5 10.2 

Processed vegetables ..................................... 9,471 74.5 53.2 21.3 25.5 87.4 25.9 61.5 12.6 

Other food at home ............................................ 124,688 75.8 54.7 21.1 24.2 87.8 26.0 61.9 12.2 

Sugar and other sweets ................................... 14,864 77.5 54.7 22.8 22.5 87.9 25.9 62.0 12.1 

Fats and oils .................................................... 10,312 74.9 52.0 22.9 25.1 86.7 27.6 59.1 13.3 

Miscellaneous foods ........................................ 61,173 76.0 56.0 20.0 24.0 88.6 25.8 62.8 11.4 

Nonalcoholic beverages .................................. 33,587 73.8 53.3 20.5 26.2 86.9 25.9 61.0 13.1 

Food prepared by consumer unit on

out-of-town trips ............................................. 4,752 84.1 54.4 29.8 15.9 86.4 24.8 61.6 13.6 

Food away from home ......................................... 282,483 76.1 57.0 19.1 23.9 89.4 27.4 62.0 10.6 

Alcoholic beverages ............................................... 53,292 72.4 53.2 19.2 27.6 92.2 30.2 62.0 7.8 

Housing .................................................................. 1,618,136 76.1 58.5 17.6 23.9 90.8 27.3 63.5 9.2 

Shelter ................................................................. 930,071 72.0 59.5 12.4 28.0 92.5 28.4 64.1 7.5 

Owned dwellings ................................................ 619,141 99.6 83.7 16.0 .4 91.4 22.6 68.8 8.6 

Mortgage interest and charges ........................ 341,424 99.6 98.5 1.1 .4 91.9 23.0 68.9 8.1 

Property taxes .................................................. 161,768 99.6 67.2 32.4 .4 92.1 21.7 70.4 7.9 

Maintenance, repairs, insurance, other

expenses ....................................................... 115,949 99.7 63.0 36.7 .3 89.2 22.8 66.4 10.8 

Rented dwellings ............................................... 255,946 1.8 1.1 .7 98.2 95.5 43.3 52.2 4.5 

Other lodging ..................................................... 54,984 87.2 59.5 27.7 12.8 90.4 23.8 66.6 9.6 

Utilities, fuels, and public services ....................... 340,315 79.6 53.7 25.9 20.4 87.6 26.6 61.0 12.4 

Natural gas ........................................................ 49,305 84.3 56.2 28.1 15.7 93.9 32.0 61.9 6.1 

Electricity ........................................................... 123,772 79.3 52.1 27.1 20.7 85.5 25.0 60.5 14.5 

Fuel oil and other fuels ...................................... 14,016 91.0 51.6 39.4 9.0 72.1 11.1 61.1 27.9 

Telephone services ............................................ 115,144 73.8 52.2 21.6 26.2 88.0 27.7 60.3 12.0 

Water and other public services ........................ 38,078 87.9 60.7 27.2 12.1 90.4 27.0 63.4 9.6 

Household operations .......................................... 87,540 83.6 60.6 23.0 16.4 91.8 26.6 65.1 8.2 

Personal services .............................................. 34,851 79.1 65.7 13.4 20.9 91.5 26.2 65.3 8.5 

Other household expenses ................................ 52,689 86.6 57.3 29.3 13.4 92.0 26.9 65.0 8.0 

Housekeeping supplies ........................................ 68,966 80.9 56.5 24.4 19.1 88.0 25.2 62.8 12.0 

Laundry and cleaning supplies .......................... 17,235 74.9 52.5 22.4 25.1 86.2 26.7 59.6 13.8 

Other household products ................................. 33,691 83.1 58.6 24.6 16.9 88.2 23.9 64.2 11.8 

Postage and stationery ...................................... 18,040 82.4 56.5 25.9 17.6 89.3 26.2 63.0 10.7 

Household furnishings and equipment ................ 191,244 84.9 61.6 23.2 15.1 88.5 24.3 64.2 11.5 

Household textiles ............................................. 18,299 84.9 55.1 29.8 15.1 89.8 23.9 65.9 10.2 

Furniture ............................................................ 48,486 84.8 65.4 19.4 15.2 91.0 23.1 67.9 9.0 

Floor coverings .................................................. 6,045 92.3 69.9 22.5 7.7 89.2 23.5 65.7 10.8 

Major appliances ................................................ 23,705 86.9 56.8 30.1 13.1 84.5 25.8 58.7 15.5 

Small appliances, miscellaneous

housewares ..................................................... 12,150 80.1 55.6 24.5 19.9 90.2 25.9 64.3 9.8 

Miscellaneous household equipment ................. 82,560 84.5 62.5 21.9 15.5 87.7 24.6 63.1 12.3 

Apparel and services ............................................. 210,799 74.7 57.1 17.6 25.3 89.9 28.6 61.3 10.1 

Men and boys ...................................................... 47,147 75.7 58.0 17.7 24.3 89.3 28.0 61.3 10.7 

Men, 16 and over ............................................... 36,822 75.9 57.0 18.9 24.1 89.2 27.6 61.6 10.8 

Boys, 2 to 15 ...................................................... 10,325 75.1 61.3 13.8 24.9 89.8 29.6 60.1 10.2 

See footnotes at end of table.
Table 61. Housing tenure and type of area: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Housing tenure Type of area

Homeowner

Renter

Urban

Rural

Total

Homeowner

with

mortgage

Homeowner

without

mortgage

Total Central

City

Other

Urban

Women and girls .................................................. $85,713 77.1 58.5 18.6 22.9 89.7 26.7 62.9 10.3 

Women, 16 and over ......................................... 73,216 76.8 58.0 18.8 23.2 89.5 27.2 62.2 10.5 

Girls, 2 to 15 ...................................................... 12,497 79.0 61.4 17.5 21.0 90.6 23.8 66.8 9.4 

Children under 2 .................................................. 9,116 68.7 56.3 12.4 31.3 88.6 27.4 61.3 11.4 

Footwear .............................................................. 38,138 70.3 54.1 16.2 29.7 89.4 31.4 58.0 10.6 

Other apparel products and services ................... 30,685 73.7 55.9 17.8 26.3 92.8 31.9 60.9 7.2 

Transportation ........................................................ 907,129 79.4 58.0 21.4 20.6 86.0 24.1 62.0 14.0 

Vehicle purchases (net outlay) ............................ 395,018 80.8 60.3 20.6 19.2 84.4 22.0 62.4 15.6 

Cars and trucks, new ......................................... 203,305 85.2 64.5 20.8 14.8 87.0 21.4 65.6 13.0 

Cars and trucks, used ........................................ 183,986 75.6 55.3 20.3 24.4 81.3 22.6 58.7 18.7 

Other vehicles .................................................... 7,727 89.1 67.6 21.4 10.9 89.6 26.1 63.5 210.4 

Gasoline and motor oil ......................................... 185,767 77.3 54.8 22.5 22.7 84.5 23.5 61.0 15.5 

Other vehicle expenses ....................................... 275,032 78.9 57.5 21.4 21.1 88.0 25.6 62.4 12.0 

Vehicle finance charges ..................................... 37,607 81.0 66.3 14.6 19.0 84.5 22.9 61.6 15.5 

Maintenance and repairs ................................... 75,759 78.4 54.7 23.7 21.6 87.2 26.3 60.9 12.8 

Vehicle insurance .............................................. 112,139 78.2 55.0 23.2 21.8 87.5 25.7 61.8 12.5 

Vehicle rental, leases, licenses, other

charges ............................................................ 49,527 79.6 60.8 18.8 20.4 93.2 26.6 66.5 6.8 

Public transportation ............................................ 51,312 78.3 54.0 24.2 21.7 93.7 33.7 60.0 6.3 

Health care ............................................................ 299,289 84.0 48.8 35.2 16.0 84.6 24.1 60.5 15.4 

Health insurance .................................................. 154,854 84.0 48.3 35.7 16.0 85.3 24.1 61.1 14.7 

Medical services .................................................. 75,393 85.4 53.7 31.7 14.6 83.1 23.1 60.0 16.9 

Drugs ................................................................... 55,814 81.9 43.5 38.4 18.1 84.1 24.9 59.2 15.9 

Medical supplies .................................................. 13,228 85.6 49.5 36.1 14.4 87.3 25.7 61.6 12.7 

Entertainment ........................................................ 257,887 82.4 58.2 24.2 17.6 87.9 23.8 64.2 12.1 

Fees and admissions ........................................... 61,390 84.0 60.1 23.9 16.0 91.7 24.8 66.9 8.3 

Television, radios, sound equipment ................... 91,582 76.4 54.7 21.7 23.6 88.8 26.8 62.0 11.2 

Pets, toys, hobbies, and playground

equipment .......................................................... 44,216 82.8 61.7 21.1 17.2 84.8 22.3 62.5 15.2 

Other entertainment supplies, equipment,

and services ....................................................... 60,700 89.4 58.9 30.5 10.6 84.9 19.2 65.8 15.1 

Personal care products and services ..................... 67,485 76.7 54.9 21.8 23.3 90.0 28.1 61.9 10.0 

Reading ................................................................. 15,165 81.1 52.4 28.7 18.9 89.4 28.0 61.4 10.6 

Education ............................................................... 105,264 72.1 54.7 17.4 27.9 93.6 28.6 65.0 6.4 

Tobacco products and smoking supplies ............... 33,504 64.3 42.9 21.4 35.7 84.5 28.2 56.2 15.5 

Miscellaneous ........................................................ 80,207 76.8 48.9 27.9 23.2 87.4 24.7 62.7 12.6 

Cash contributions ................................................. 163,729 86.0 48.9 37.1 14.0 89.0 24.8 64.2 11.0 

Personal insurance and pensions .......................... 560,849 83.0 64.4 18.7 17.0 89.1 25.4 63.7 10.9 

Life and other personal insurance ....................... 45,390 89.1 62.7 26.5 10.9 85.6 21.3 64.3 14.4 

Pensions and Social Security .............................. 515,460 82.5 64.5 18.0 17.5 89.4 25.8 63.6 10.6 

Sources of income and personal taxes: 

Money income before taxes ................................... 6,331,893 81.3 59.4 22.0 18.7 89.3 25.3 64.0 10.7 

Wages and salaries ............................................. 5,022,494 80.5 64.5 16.0 19.5 90.3 25.4 64.9 9.7 

Self-employment income ..................................... 349,759 88.8 60.7 28.1 11.2 84.3 22.7 61.6 15.7 

Social Security, private and government

retirement ........................................................... 680,028 86.8 30.5 56.3 13.2 84.4 24.4 60.0 15.6 

Interest, dividends, rental income, other

property income ................................................. 146,596 91.1 35.9 55.2 8.9 87.4 24.6 62.8 12.6 

Unemployment and workers’ compensation,

veterans’ benefits ............................................... 27,503 71.3 52.2 19.0 28.7 89.3 25.9 63.3 10.7 

See footnotes at end of table.
Table 61. Housing tenure and type of area: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Housing tenure Type of area

Homeowner

Renter

Urban

Rural

Total

Homeowner

with

mortgage

Homeowner

without

mortgage

Total Central

City

Other

Urban

Public assistance, supplemental security

income, food stamps .......................................... $35,819 37.3 19.3 18.0 62.7 88.5 47.0 41.5 11.5 

Regular contributions for support ......................... 47,980 56.0 41.4 14.6 44.0 91.5 26.8 64.7 8.5 

Other income ....................................................... 21,715 45.6 26.0 19.7 54.4 93.0 34.2 58.9 7.0 

Personal taxes ....................................................... 251,848 89.4 67.6 21.9 10.6 89.6 26.3 63.3 10.4 

Federal income taxes .......................................... 176,626 89.9 67.9 22.0 10.1 90.1 26.3 63.8 9.9 

State and local income taxes ............................... 54,899 85.2 69.8 15.5 14.8 90.0 25.2 64.8 10.0 

Other taxes .......................................................... 20,323 96.7 58.9 37.8 3.3 84.0 28.8 55.2 16.0 

Income after taxes ................................................. 6,080,045 81.0 59.0 22.0 19.0 89.2 25.2 64.0 10.8 

1 Value less than 0.5. 2 Data are likely to have large sampling errors.

n.a. Not applicable.