Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2008-2009

Item

Total

four

persons

Less

than

$10,000

$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) ....... 16,494 485 451 552 1,217 1,306 1,381 2,733 8,369 

Consumer unit characteristics: 

Income before taxes ..................................... $86,415 - $962 $12,744 $17,675 $24,891 $34,999 $44,650 $59,608 $132,597 

Income after taxes ........................................ 84,247 439 14,134 19,012 26,309 35,999 45,743 59,554 127,556 

Age of reference person ................................ 41.2 36.9 37.4 37.8 37.7 39.3 40.8 40.5 43.1 

Average number in consumer unit:

Persons ........................................................ 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 

Children under 18 ........................................ 1.6 2.0 2.0 1.9 1.8 1.7 1.6 1.5 1.5 

Persons 65 and older ................................... .1 1 ( ) 2.1 2.1 .1 .1 .1 .1 .1 

Earners ........................................................ 1.9 .8 1.0 1.1 1.3 1.6 1.8 2.0 2.2 

Vehicles ....................................................... 2.5 1.2 1.3 1.3 1.6 1.9 2.2 2.5 2.9 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 30 22 28 36 43 43 45 52 

Female ......................................................... 54 70 78 72 64 57 57 55 48 

Housing tenure:

Homeowner .................................................. 75 41 39 37 45 56 61 75 90 

With mortgage ............................................ 62 31 26 20 29 40 43 62 80 

Without mortgage ....................................... 13 11 14 17 16 17 18 13 11 

Renter .......................................................... 25 59 61 63 55 44 39 25 10 

Race of reference person:

Black or African-American ........................... 12 30 27 31 18 18 15 10 7 

White, Asian, and all other races ................. 88 70 73 69 82 82 85 90 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 19 33 32 37 28 20 20 10 

Not Hispanic or Latino .................................. 83 81 67 68 63 72 80 80 90 

Education of reference person:

Elementary (1-8) .......................................... 4 6 9 9 10 9 7 4 1 

High school (9-12) ........................................ 33 48 51 61 52 49 44 42 20 

College ......................................................... 63 45 40 30 38 42 49 54 79 

Never attended and other ............................ 3 ( ) 3 ( ) 4 ( ) 4 ( ) 3 ( ) 3 ( ) 3 ( ) 4 ( ) 3 ( )

At least one vehicle owned or leased ............ 95 69 74 83 90 92 95 97 98 

Average annual expenditures .......................... $65,722 $35,478 $28,660 $26,126 $32,709 $40,746 $43,866 $53,381 $88,160 

Food ............................................................... 8,943 5,648 5,066 4,855 5,595 6,555 6,148 7,305 11,358 

Food at home ............................................... 5,231 3,976 4,177 3,583 3,808 4,489 4,098 4,350 6,223 

Cereals and bakery products ..................... 735 531 596 413 526 629 548 635 880 

Cereals and cereal products .................... 254 217 276 172 221 246 184 227 287 

Bakery products ....................................... 481 314 320 242 305 383 363 408 593 

Meats, poultry, fish, and eggs .................... 1,162 927 1,074 1,094 950 1,065 1,043 942 1,316 

Beef .......................................................... 315 241 345 343 249 256 259 240 367 

Pork .......................................................... 233 184 227 224 210 201 224 209 253 

Other meats ............................................. 156 132 136 116 117 142 144 136 176 

Poultry ...................................................... 224 198 230 223 191 204 197 192 248 

Fish and seafood ..................................... 173 105 285 131 123 204 160 110 207 

Eggs ......................................................... 61 66 250 57 60 59 58 55 64 

Dairy products ............................................ 594 519 366 374 416 513 429 477 722 

Fresh milk and cream .............................. 229 243 141 168 199 218 155 190 265 

Other dairy products ................................ 365 277 225 206 216 295 274 287 457 

Fruits and vegetables ................................. 871 639 608 656 617 725 670 705 1,051 

Fresh fruits ............................................... 291 225 181 201 193 247 219 219 361 

Fresh vegetables ..................................... 269 177 149 231 188 216 203 223 326 

Processed fruits ....................................... 163 137 139 109 112 135 120 138 195 

Processed vegetables .............................. 148 99 139 115 124 127 128 126 170 

See footnotes at end of table.
Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Less

than

$10,000

$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 .................................... $1,869 $1,360 $1,533 $1,045 $1,299 $1,556 $1,408 $1,590 $2,254 

Sugar and other sweets ........................... 185 196 142 122 117 147 136 142 228 

Fats and oils ............................................. 138 104 123 93 104 146 96 124 158 

Miscellaneous foods ................................ 1,017 688 780 575 729 782 821 872 1,225 

Nonalcoholic beverages ........................... 470 349 480 253 327 460 332 414 553 

Food prepared by consumer unit on

out-of-town trips ..................................... 58 224 28 22 222 221 23 38 90 

Food away from home ................................. 3,712 1,672 889 1,272 1,787 2,066 2,050 2,955 5,134 

Alcoholic beverages ....................................... 458 2337 238 294 129 157 212 325 680 

Housing .......................................................... 22,228 15,131 12,172 11,091 12,835 14,761 15,754 18,497 28,699

Shelter .......................................................... 13,088 9,381 7,295 5,965 7,196 8,617 9,580 10,603 17,029 

Owned dwellings ........................................ 9,783 5,095 3,096 1,708 3,044 4,603 5,521 7,475 14,193 

Mortgage interest and charges ................ 6,294 3,790 2,173 1,007 2,079 2,899 3,573 5,022 9,017 

Property taxes .......................................... 2,369 1,058 641 310 664 1,115 1,297 1,681 3,519 

Maintenance, repairs, insurance, other

expenses ................................................ 1,120 2247 282 391 301 590 651 772 1,656 

Rented dwellings ........................................ 2,554 4,140 4,062 4,225 4,080 3,854 3,808 2,781 1,565 

Other lodging ............................................. 751 2146 2137 232 273 159 251 346 1,271 

Utilities, fuels, and public services ............... 4,646 3,606 3,338 3,158 3,571 3,753 4,061 4,493 5,318 

Natural gas ................................................. 641 535 319 182 358 476 522 558 809 

Electricity .................................................... 1,736 1,494 1,562 1,559 1,509 1,460 1,546 1,700 1,890 

Fuel oil and other fuels ............................... 176 228 242 2101 135 149 111 156 223 

Telephone services .................................... 1,498 1,060 998 967 1,172 1,200 1,383 1,524 1,689 

Water and other public services ................. 596 489 417 350 397 469 500 555 706 

Household operations .................................. 1,739 633 534 537 589 739 775 1,189 2,609 

Personal services ....................................... 1,029 2170 2253 2342 296 431 422 748 1,558 

Other household expenses ........................ 710 464 281 195 293 308 352 441 1,050 

Housekeeping supplies ................................ 854 545 399 434 617 600 491 672 1,102 

Laundry and cleaning supplies .................. 202 195 88 116 190 196 125 181 233 

Other household products .......................... 481 239 265 268 307 304 240 336 651 

Postage and stationery .............................. 171 111 246 250 119 100 126 156 217 

Household furnishings and equipment ......... 1,901 965 605 997 862 1,051 846 1,539 2,642 

Household textiles ...................................... 147 143 259 51 97 98 65 82 206 

Furniture ..................................................... 445 249 115 213 307 277 199 345 608 

Floor coverings .......................................... 42 263 24 27 210 7 24 22 69 

Major appliances ........................................ 255 158 256 179 68 192 116 230 343 

Small appliances, miscellaneous

housewares .............................................. 119 64 56 48 47 66 59 94 165 

Miscellaneous household equipment ......... 893 289 315 498 333 412 402 765 1,251 

Apparel and services ..................................... 2,535 2,188 1,125 1,317 1,783 1,874 1,793 1,820 3,245 

Men and boys .............................................. 590 504 156 255 278 430 417 482 767 

Men, 16 and over ....................................... 385 2119 263 2150 129 262 296 286 529 

Boys, 2 to 15 .............................................. 205 385 93 105 148 167 121 195 238 

Women and girls .......................................... 973 593 280 429 607 681 667 676 1,296 

Women, 16 and over .................................. 710 493 171 226 421 443 464 461 972 

Girls, 2 to 15 ............................................... 264 100 109 203 186 237 203 215 324 

Children under 2 .......................................... 180 208 407 143 238 193 184 117 180 

Footwear ...................................................... 472 644 2117 293 458 396 329 383 552 

Other apparel products and services ........... 320 239 165 198 202 175 197 163 451 

Transportation ................................................ 11,110 3,239 4,119 4,168 5,417 7,733 8,914 10,747 14,208 

Vehicle purchases (net outlay) ..................... 3,771 2255 21,775 21,114 1,236 2,833 3,637 3,540 4,870 

Cars and trucks, new ................................. 1,623 4 ( ) 4 ( ) 4 ( ) 2311 2527 21,297 1,173 2,475 

Cars and trucks, used ................................ 2,029 2206 1,775 1,114 925 2,156 2,322 2,065 2,290 

Other vehicles ............................................ 118 249 4 ( ) 4 ( ) 4 ( ) 2150 218 2302 105 

Gasoline and motor oil ................................. 3,283 1,774 1,502 1,832 2,262 2,580 2,798 3,195 3,930 

See footnotes at end of table.
Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Less

than

$10,000

$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 ............................... $3,489 $899 $667 $945 $1,723 $2,162 $2,253 $3,752 $4,514 

Vehicle finance charges ............................. 465 2111 145 174 190 323 380 562 566 

Maintenance and repairs ........................... 906 263 320 406 553 574 616 780 1,198 

Vehicle insurance ....................................... 1,527 2314 263 2214 2761 21,034 2818 2,036 1,875 

Vehicle rental, leases, licenses, and other

charges .................................................... 592 211 139 151 219 231 439 374 876 

Public transportation .................................... 566 312 176 277 196 158 227 260 894 

Healthcare ...................................................... 3,170 1,575 1,500 771 1,257 1,931 2,230 2,953 4,204 

Health insurance .......................................... 1,736 893 366 417 648 1,233 1,355 1,714 2,253 

Medical services .......................................... 890 484 869 221 354 348 455 773 1,230 

Drugs ........................................................... 427 171 193 108 193 285 347 380 558 

Medical supplies .......................................... 117 229 272 225 63 65 74 87 163 

Entertainment ................................................. 3,745 1,632 1,607 1,088 1,398 1,974 2,044 2,921 5,301 

Fees and admissions ................................... 1,002 427 299 162 147 250 309 458 1,656 

Audio and visual equipment and services .... 1,258 778 618 617 706 978 821 1,206 1,573 

Pets, toys, hobbies, and playground

equipment .................................................. 869 292 640 242 461 588 504 585 1,202 

Other entertainment supplies, equipment,

and services ............................................... 617 2134 249 67 85 158 410 672 871 

Personal care products and services ............. 791 566 312 330 362 550 427 555 1,091 

Reading .......................................................... 108 46 31 22 30 39 68 72 162 

Education ....................................................... 1,766 2,561 854 146 282 393 500 785 2,833 

Tobacco products and smoking supplies ....... 397 371 526 423 504 398 436 521 326 

Miscellaneous ................................................ 1,031 440 232 247 566 902 575 696 1,430 

Cash contributions ......................................... 1,660 945 309 441 640 682 1,130 1,094 2,428 

Personal insurance and pensions .................. 7,781 797 767 1,132 1,910 2,799 3,636 5,090 12,195 

Life and other personal insurance ................ 376 2106 275 2121 116 179 182 246 567 

Pensions and Social Security ...................... 7,405 690 693 1,012 1,794 2,621 3,454 4,844 11,628 

Sources of income and personal taxes: 

Money income before taxes ........................... 86,415 -962 12,744 17,675 24,891 34,999 44,650 59,608 132,597 

Wages and salaries ..................................... 77,476 4,758 7,460 11,774 19,366 29,661 39,277 53,854 119,726 

Self-employment income ............................. 3,780 2-8,445 2198 2669 869 1,120 1,471 1,897 6,721 

Social Security, private and government

retirement ................................................... 2,106 2226 21,360 21,686 2,086 2,002 2,478 2,438 2,132 

Interest, dividends, rental income, other

property income ......................................... 1,488 244 236 214 223 111 58 266 2,810 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 355 2139 2270 2421 334 279 621 430 315 

Public assistance, supplemental security

income, food stamps .................................. 483 1,561 2,211 2,150 1,481 1,053 366 191 98 

Regular contributions for support ................. 578 364 21,083 665 523 663 2242 428 657 

Other income ............................................... 147 2391 2126 2296 2210 2111 2137 104 136 

Personal taxes ............................................... 2,167 -1,401 -1,390 -1,337 -1,417 -1,000 -1,093 53 5,041 

Federal income taxes ................................... 1,800 -1,039 -1,135 -982 -1,098 -693 -682 260 4,029 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -573 2-365 2-244 2-431 -405 -543 -626 -601 -623 

State and local income taxes ....................... 740 -41 -37 18 30 119 111 272 1,332 

Other taxes .................................................. 200 245 226 58 55 118 105 121 304 

See footnotes at end of table.
Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics,

Consumer Expenditure Survey, 2008-2009 — Continued

Item

Total

four

persons

Less

than

$10,000

$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

Income after taxes ......................................... 84,247 439 14,134 19,012 26,309 35,999 45,743 59,554 127,556 

Addenda:

Net change in total assets and liabilities ........ - $6,488 - $10,210 - $7,682 - $194 - $3,103 - $6,622 - $6,609 - $2,130 - $8,497 

Net change in total assets ............................ 12,971 -10,673 -1,742 4,684 1,134 5,216 -295 7,907 22,454 

Net change in total liabilities ........................ 19,459 -463 5,940 4,878 4,236 11,839 6,314 10,037 30,951 

Other financial information:

Other money receipts ................................... 463 2306 2209 2312 2164 2250 854 109 624 

Mortgage principal paid on owned property -3,490 -1,526 -901 -366 -730 -1,298 -2,034 -2,398 -5,289 

Estimated market value of owned home ...... 204,367 92,402 58,972 39,673 58,745 91,222 106,944 145,277 303,757 

Estimated monthly rental value of owned

home .......................................................... 1,096 552 414 256 391 574 644 866 1,554 

Gifts of goods and services ............................ 992 517 225 169 328 834 539 559 1,442 

Food ............................................................. 83 265 21 22 25 54 48 48 125 

Alcoholic beverages ..................................... 11 4 ( ) 3 ( ) 4 ( ) 3 ( ) 3 ( ) 3 ( ) 22 20 

Housing ........................................................ 185 2196 272 296 244 99 99 129 261 

Housekeeping supplies .............................. 31 210 210 27 26 216 37 23 41 

Household textiles ...................................... 9 4 ( ) 4 ( ) 216 23 213 24 23 13 

Appliances and miscellaneous

housewares .............................................. 22 3 ( ) 4 ( ) 4 ( ) 25 23 21 228 32 

Major appliances ...................................... 7 4 ( ) 4 ( ) 4 ( ) 23 3 ( ) 4 ( ) 26 11 

Small appliances and miscellaneous

housewares ............................................ 15 3 ( ) 4 ( ) 4 ( ) 21 22 21 222 21 

Miscellaneous household equipment ......... 35 229 4 ( ) 216 27 217 213 226 51 

Other housing ............................................ 89 2156 262 256 224 250 244 248 125 

Apparel and services ................................... 252 2138 281 259 150 165 177 156 347 

Males, 2 and over ...................................... 54 240 26 22 230 237 18 28 81 

Females, 2 and over .................................. 88 219 216 28 29 218 64 54 136 

Children under 2 ........................................ 70 252 255 242 55 59 67 49 84 

Other apparel products and services ......... 40 227 24 27 256 250 228 225 47 

Jewelry and watches ................................ 6 212 24 27 214 21 3 ( ) 23 6 

All other apparel products and services ... 35 216 4 ( ) 4 ( ) 242 250 228 222 41 

Transportation .............................................. 71 218 25 25 103 12 117 28 93 

Healthcare .................................................... 8 4 ( ) 4 ( ) 4 ( ) 21 21 24 23 14 

Entertainment ............................................... 79 215 23 3 ( ) 28 255 239 46 123 

Toys, games, arts and crafts, and tricycles 36 215 4 ( ) 4 ( ) 22 237 221 232 49 

Other entertainment ................................... 44 4 ( ) 23 3 ( ) 26 218 218 14 74 

Personal care products and services ........... 13 273 4 ( ) 24 21 29 24 25 17 

Reading ........................................................ 3 ( ) 21 4 ( ) 4 ( ) 4 ( ) 4 ( ) 3 ( ) 3 ( ) 3 ( )

Education ..................................................... 200 23 260 4 ( ) 210 23 28 114 351 

All other gifts ................................................ 89 29 23 22 28 435 43 28 90 

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

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010