Table 64. Education of reference person: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Less than college graduate College graduate

Total

Less

than

high

school

graduate

High

school

graduate

High

school

graduate

with

some

college

Associate’s

degree Total Bachelor’sdegree

Master’s,

professional,

doctoral

degree

Number of consumer units (in thousands) ........... 116,282 83,830 16,829 31,005 25,317 10,678 32,452 20,684 11,768 

Percent distribution of consumer units ................. 100.0 72.1 14.5 26.7 21.8 9.2 27.9 17.8 10.1 

Consumer unit characteristics (mean values): 

Income before taxes .......................................... $54,453 $43,083 $29,094 $42,334 $46,756 $58,593 $83,825 $75,647 $98,201 

Income after taxes ............................................. 52,287 41,818 28,951 41,131 45,118 56,268 79,332 71,857 92,470 

Age of reference person ..................................... 48.5 49.1 54.8 50.6 44.9 45.6 46.9 45.2 49.8 

Average number in consumer unit:

Persons ............................................................ 2.5 2.5 2.7 2.5 2.3 2.6 2.5 2.4 2.5 

Children under 18 ............................................. .6 .6 .8 .6 .6 .7 .6 .6 .6 

Persons 65 and over ........................................ .3 .3 .5 .4 .3 .2 .2 .2 .3 

Earners ............................................................. 1.3 1.3 1.0 1.3 1.3 1.5 1.5 1.5 1.5 

Vehicles ............................................................ 1.9 1.9 1.4 1.9 1.9 2.2 2.1 2.1 2.1 

Percent distribution:

Sex of reference person:

Male ................................................................. 48 46 44 48 47 44 54 51 58 

Female ............................................................. 52 54 56 52 53 56 46 49 42 

Housing tenure:

Homeowner ...................................................... 68 64 57 68 60 74 76 73 82 

With mortgage ................................................ 42 37 24 36 39 53 56 55 58 

Without mortgage ........................................... 25 28 33 32 21 21 20 18 23 

Renter .............................................................. 32 36 43 32 40 26 24 27 18 

Race of reference person:

Black or African-American ................................ 12 14 19 14 11 10 8 8 7 

White, Asian, and All Other Races ................... 88 86 81 86 89 90 92 92 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino (new UCC Q20032) ............ 11 13 29 10 8 8 5 5 6 

Not Hispanic or Latino (new UCC Q20032) ..... 89 87 71 90 92 92 95 95 94 

Education of reference person:

Elementary (1-8) .............................................. 5 8 38 n.a. n.a. n.a. n.a. n.a. n.a.

High school (9-12) ............................................ 35 49 60 100 n.a. n.a. n.a. n.a. n.a.

College ............................................................. 59 43 n.a. n.a. 100 100 100 100 100 

Never attended and other ................................ 1 ( ) 1 ( ) 2 n.a. n.a. n.a. n.a. n.a. n.a.

At least one vehicle owned or leased ................. 88 86 73 89 87 95 94 94 96 

Annual aggregate expenditures ........................... $5,043,501 60.7 8.5 22.0 20.2 10.0 39.3 23.5 15.7 

Food ................................................................... 670,766 64.4 10.8 24.9 19.4 9.3 35.6 22.2 13.5 

Food at home ................................................... 388,283 67.7 13.1 26.9 18.8 8.9 32.3 20.3 12.0 

Cereals and bakery products ......................... 53,470 68.7 13.1 28.2 18.7 8.7 31.3 20.1 11.2 

Cereals and cereal products ........................ 17,843 69.5 14.4 28.4 18.2 8.5 30.5 19.3 11.2 

Bakery products ........................................... 35,627 68.3 12.5 28.0 19.0 8.7 31.7 20.6 11.2 

Meats, poultry, fish, and eggs ........................ 102,057 70.3 14.8 28.2 18.6 8.7 29.7 18.6 11.0 

Beef .............................................................. 30,783 72.1 14.8 29.1 18.7 9.4 27.9 18.0 10.0 

Pork .............................................................. 21,015 73.9 16.6 30.0 18.4 8.8 26.1 16.1 9.9 

Other meats ................................................. 12,527 68.8 13.6 28.3 18.6 8.3 31.2 20.3 10.9 

Poultry .......................................................... 18,052 68.5 14.4 26.7 18.7 8.7 31.5 19.7 11.8 

Fish and seafood .......................................... 14,826 64.6 12.4 25.3 19.0 7.9 35.4 21.4 14.1 

Eggs ............................................................. 4,854 72.1 17.9 28.1 17.7 8.4 27.9 17.2 10.7 

See footnotes at end of table.
Table 64. Education of reference person: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Less than college graduate College graduate

Total

Less

than

high

school

graduate

High

school

graduate

High

school

graduate

with

some

college

Associate’s

degree Total Bachelor’sdegree

Master’s,

professional,

doctoral

degree

Dairy products ................................................ $42,991 66.3 12.8 26.0 18.3 9.1 33.7 21.1 12.6 

Fresh milk and cream ................................... 16,744 69.8 15.5 27.0 18.3 9.0 30.2 19.4 10.8 

Other dairy products ..................................... 26,247 64.1 11.2 25.4 18.4 9.2 35.9 22.1 13.8 

Fruits and vegetables ..................................... 65,077 65.2 13.2 25.4 18.2 8.4 34.8 21.5 13.4 

Fresh fruits ................................................... 21,664 64.0 13.2 24.3 18.5 8.0 36.0 21.9 14.1 

Fresh vegetables .......................................... 21,223 64.5 13.8 24.5 17.7 8.5 35.5 21.6 13.9 

Processed fruits ........................................... 12,719 64.4 12.6 25.1 18.3 8.4 35.6 22.8 12.8 

Processed vegetables .................................. 9,471 70.3 12.9 29.9 18.4 9.0 29.7 18.5 11.3 

Other food at home ........................................ 124,688 66.8 11.6 26.3 19.5 9.4 33.2 21.0 12.2 

Sugar and other sweets ............................... 14,864 67.1 11.3 27.1 18.9 9.8 32.9 21.3 11.5 

Fats and oils ................................................. 10,312 71.2 14.9 29.1 18.5 8.6 28.8 17.9 10.9 

Miscellaneous foods ..................................... 61,173 64.8 10.4 25.6 19.6 9.2 35.2 22.3 12.9 

Nonalcoholic beverages ............................... 33,587 70.8 13.6 27.7 19.7 9.7 29.2 18.7 10.5 

Food prepared by consumer unit on

out-of-town trips ......................................... 4,752 54.8 7.2 17.9 20.0 9.8 45.2 26.2 19.0 

Food away from home ..................................... 282,483 59.9 7.6 22.2 20.3 9.7 40.1 24.6 15.5 

Alcoholic beverages ........................................... 53,292 55.8 6.4 20.9 20.1 8.4 44.2 28.2 16.0 

Housing .............................................................. 1,618,136 60.5 9.1 21.6 20.1 9.7 39.5 23.5 16.0 

Shelter .............................................................. 930,071 59.2 8.9 20.6 20.0 9.6 40.8 24.4 16.5 

Owned dwellings ............................................ 619,141 55.3 6.6 19.4 18.9 10.5 44.7 25.7 19.0 

Mortgage interest and charges .................... 341,424 54.7 6.1 18.6 19.0 11.0 45.3 26.7 18.6 

Property taxes .............................................. 161,768 55.1 7.2 20.3 18.1 9.5 44.9 24.9 20.0 

Maintenance, repairs, insurance, other

expenses .................................................... 115,949 57.3 6.9 20.5 19.8 10.1 42.7 23.9 18.9 

Rented dwellings ............................................ 255,946 71.5 15.9 25.0 22.8 7.8 28.5 19.9 8.6 

Other lodging .................................................. 54,984 45.1 2.3 13.6 20.2 9.0 54.9 30.3 24.6 

Utilities, fuels, and public services ................... 340,315 68.0 11.9 25.8 20.2 10.0 32.0 19.6 12.4 

Natural gas ..................................................... 49,305 65.8 11.4 26.1 18.9 9.4 34.2 20.2 13.9 

Electricity ........................................................ 123,772 69.8 12.7 26.8 20.5 9.7 30.2 18.6 11.6 

Fuel oil and other fuels ................................... 14,016 71.2 12.4 29.6 18.9 10.3 28.8 16.7 12.1 

Telephone services ........................................ 115,144 67.1 11.4 24.8 20.6 10.3 32.9 20.6 12.3 

Water and other public services ..................... 38,078 66.0 11.6 24.2 20.2 10.1 34.0 20.5 13.5 

Household operations ...................................... 87,540 52.3 6.1 16.8 19.0 10.3 47.7 26.6 21.2 

Personal services ........................................... 34,851 56.5 7.5 17.9 18.9 12.2 43.5 26.6 16.9 

Other household expenses ............................ 52,689 49.4 5.2 16.1 19.0 9.1 50.6 26.6 24.0 

Housekeeping supplies .................................... 68,966 62.1 9.7 23.8 19.0 9.7 37.9 22.6 15.3 

Laundry and cleaning supplies ....................... 17,235 69.2 14.6 26.6 18.1 9.9 30.8 20.2 10.6 

Other household products .............................. 33,691 61.0 8.2 23.1 19.7 10.0 39.0 22.0 17.0 

Postage and stationery .................................. 18,040 57.4 7.8 22.3 18.5 8.8 42.6 26.1 16.5 

Household furnishings and equipment ............. 191,244 56.6 6.0 20.0 20.9 9.7 43.4 25.1 18.3 

Household textiles .......................................... 18,299 58.9 6.5 24.2 17.9 10.4 41.1 22.8 18.2 

Furniture ......................................................... 48,486 56.5 6.4 18.4 21.2 10.4 43.5 24.3 19.3 

Floor coverings ............................................... 6,045 43.1 5.7 10.6 18.8 8.0 56.9 24.4 32.5 

Major appliances ............................................ 23,705 64.3 8.1 21.8 24.7 9.7 35.7 20.2 15.5 

Small appliances, miscellaneous

housewares .................................................. 12,150 61.4 8.6 22.1 17.5 13.1 38.6 22.6 16.0 

Miscellaneous household equipment ............. 82,560 54.2 4.8 19.8 21.0 8.7 45.8 28.0 17.8 

Apparel and services .......................................... 210,799 60.4 9.2 21.3 20.5 9.4 39.6 24.8 14.7 

Men and boys ................................................... 47,147 59.6 9.3 20.1 22.0 8.4 40.4 25.1 15.2 

Men, 16 and over ........................................... 36,822 57.7 8.7 18.9 22.3 7.7 42.3 26.1 16.3 

Boys, 2 to 15 .................................................. 10,325 66.6 11.2 24.0 20.7 10.8 33.4 21.8 11.6 

See footnotes at end of table.
Table 64. Education of reference person: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Less than college graduate College graduate

Total

Less

than

high

school

graduate

High

school

graduate

High

school

graduate

with

some

college

Associate’s

degree Total Bachelor’sdegree

Master’s,

professional,

doctoral

degree

Women and girls .............................................. $85,713 61.6 8.7 21.3 21.7 9.9 38.4 24.4 14.0 

Women, 16 and over ...................................... 73,216 61.5 8.4 20.9 22.3 9.8 38.5 24.5 14.1 

Girls, 2 to 15 ................................................... 12,497 62.2 10.1 23.3 18.2 10.7 37.8 24.1 13.6 

Children under 2 ............................................... 9,116 64.7 13.5 23.8 17.8 9.5 35.3 23.8 11.5 

Footwear .......................................................... 38,138 63.9 11.0 25.5 17.5 9.8 36.1 23.9 12.2 

Other apparel products and services ............... 30,685 53.0 7.3 17.4 19.7 8.6 47.0 27.0 20.0 

Transportation .................................................... 907,129 65.0 8.3 23.3 21.8 11.6 35.0 22.2 12.8 

Vehicle purchases (net outlay) ......................... 395,018 68.0 8.2 23.9 23.0 12.9 32.0 21.3 10.7 

Cars and trucks, new ..................................... 203,305 65.7 5.5 22.0 24.0 14.2 34.3 23.2 11.1 

Cars and trucks, used .................................... 183,986 70.3 11.3 26.0 21.9 11.2 29.7 19.5 10.1 

Other vehicles ................................................ 7,727 74.1 24.6 24.1 25.0 20.3 25.9 14.0 11.9 

Gasoline and motor oil ..................................... 185,767 68.1 10.3 25.7 21.5 10.6 31.9 20.2 11.7 

Other vehicle expenses .................................... 275,032 62.9 7.7 22.9 21.3 11.0 37.1 23.0 14.1 

Vehicle finance charges ................................. 37,607 67.4 7.5 26.0 22.1 11.8 32.6 21.6 11.0 

Maintenance and repairs ................................ 75,759 61.8 7.4 20.4 23.0 11.0 38.2 22.9 15.2 

Vehicle insurance ........................................... 112,139 66.3 9.1 25.6 20.8 10.7 33.7 21.1 12.7 

Vehicle rental, leases, licenses, other

charges ........................................................ 49,527 53.7 5.3 18.1 19.2 11.2 46.3 28.5 17.9 

Public transportation ........................................ 51,312 42.5 4.9 12.7 16.8 8.2 57.5 31.5 26.0 

Health care ......................................................... 299,289 65.2 10.5 25.4 19.6 9.6 34.8 21.0 13.8 

Health insurance .............................................. 154,854 66.0 10.8 26.2 19.3 9.7 34.0 21.2 12.8 

Medical services ............................................... 75,393 61.0 8.5 22.3 20.2 10.0 39.0 22.5 16.5 

Drugs ................................................................ 55,814 69.8 13.1 28.4 19.6 8.7 30.2 18.3 11.9 

Medical supplies ............................................... 13,228 59.3 8.2 22.1 19.2 9.8 40.7 22.2 18.6 

Entertainment ..................................................... 257,887 58.9 6.2 20.4 22.2 10.1 41.1 24.6 16.5 

Fees and admissions ....................................... 61,390 44.9 2.8 13.6 19.1 9.3 55.1 30.7 24.5 

Television, radios, sound equipment ................ 91,582 65.2 9.3 23.8 21.7 10.4 34.8 21.8 12.9 

Pets, toys, hobbies, and playground

equipment ...................................................... 44,216 62.2 6.9 23.2 19.5 12.7 37.8 23.3 14.5 

Other entertainment supplies, equipment,

and services ................................................... 60,700 61.0 4.6 20.0 27.8 8.5 39.0 23.5 15.5 

Personal care products and services ................. 67,485 62.1 9.1 22.6 20.0 10.4 37.9 23.7 14.2 

Reading .............................................................. 15,165 51.0 5.0 17.4 19.4 9.2 49.0 26.3 22.7 

Education ........................................................... 105,264 44.5 2.1 10.8 23.5 8.1 55.5 29.5 26.0 

Tobacco products and smoking supplies ........... 33,504 85.8 17.4 35.1 23.3 9.9 14.2 10.2 4.0 

Miscellaneous .................................................... 80,207 62.7 8.0 23.7 21.0 10.0 37.3 21.4 15.8 

Cash contributions ............................................. 163,729 49.5 5.6 18.0 16.9 9.1 50.5 25.8 24.6 

Personal insurance and pensions ...................... 560,849 54.0 5.9 19.2 18.2 10.6 46.0 26.4 19.5 

Life and other personal insurance .................... 45,390 55.3 7.8 20.6 17.3 9.6 44.7 25.1 19.6 

Pensions and Social Security ........................... 515,460 53.9 5.8 19.1 18.3 10.7 46.1 26.6 19.5 

Sources of income and personal taxes: 

Money income before taxes ............................... 6,331,893 57.0 7.7 20.7 18.7 9.9 43.0 24.7 18.3 

Wages and salaries .......................................... 5,022,494 54.9 6.4 19.6 18.4 10.4 45.1 26.3 18.9 

Self-employment income .................................. 349,759 55.4 8.9 18.0 18.1 10.4 44.6 24.0 20.6 

Social Security, private and government

retirement ....................................................... 680,028 71.3 15.1 30.0 19.5 6.7 28.7 15.1 13.7 

Interest, dividends, rental income, other

property income ............................................. 146,596 50.9 7.5 19.5 17.5 6.3 49.1 26.8 22.3 

Unemployment and workers’ compensation,

veterans’ benefits ........................................... 27,503 76.5 13.7 28.5 24.5 9.8 23.5 16.4 7.1 

See footnotes at end of table.
Table 64. Education of reference person: Shares of annual aggregate expenditures and sources of income, Consumer

Expenditure Survey, 2004 — Continued

(Aggregates in millions of dollars, unless otherwise indicated)

Item Aggregate

Less than college graduate College graduate

Total

Less

than

high

school

graduate

High

school

graduate

High

school

graduate

with

some

college

Associate’s

degree Total Bachelor’sdegree

Master’s,

professional,

doctoral

degree

Public assistance, supplemental security

income, food stamps ...................................... $35,819 92.4 40.9 27.9 18.0 5.5 7.6 6.8 .8 

Regular contributions for support ..................... 47,980 71.8 5.4 18.5 34.9 13.0 28.2 17.4 10.7 

Other income .................................................... 21,715 67.3 9.9 21.8 27.6 7.9 32.7 19.3 13.4 

Personal taxes ................................................... 251,848 42.1 1.0 14.8 16.5 9.9 57.9 31.1 26.8 

Federal income taxes ....................................... 176,626 39.4 3 ( ) 14.2 16.2 9.1 60.6 32.0 28.6 

State and local income taxes ........................... 54,899 45.1 2.4 15.1 16.7 10.9 54.9 31.0 23.9 

Other taxes ....................................................... 20,323 57.3 5.8 19.3 18.7 13.5 42.7 24.3 18.4 

Income after taxes .............................................. 6,080,045 57.7 8.0 21.0 18.8 9.9 42.3 24.4 17.9 

1 Value less than 0.5. 2 Data are likely to have large sampling errors.3 Value less than 0.05.

n.a. Not applicable.