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

Consumer Expenditure Survey, 2005-2006

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) ....... 16,145 480 445 487 1,299 1,408 1,479 2,984 7,563 

Consumer unit characteristics: 

Income before taxes ..................................... $80,640 - $616 $12,352 $17,528 $25,219 $35,212 $44,704 $59,600 $127,188 

Income after taxes ........................................ 77,922 -126 12,856 18,208 26,214 35,486 44,533 58,398 121,567 

Age of reference person ................................ 40.8 38.8 37.7 37.5 37.3 39.0 38.8 40.2 42.8 

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 2.1 1.9 2.0 1.9 1.8 1.7 1.6 1.5 

Persons 65 and over .................................... .1 1.1 2 ( ) 1.1 1.1 .1 .1 .1 .1 

Earners ........................................................ 2.0 .9 1.0 1.2 1.5 1.6 1.9 2.0 2.3 

Vehicles ....................................................... 2.5 1.4 1.3 1.4 1.7 1.9 2.2 2.6 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 45 19 24 27 34 42 42 47 52 

Female ......................................................... 55 81 76 73 66 58 58 53 48 

Housing tenure:

Homeowner .................................................. 75 42 37 34 46 53 65 79 92 

With mortgage ............................................ 64 30 22 22 33 42 51 67 82 

Without mortgage ....................................... 11 12 15 12 13 11 13 12 10 

Renter .......................................................... 25 58 63 66 54 47 35 21 8 

Race of reference person:

Black or African-American ........................... 12 27 25 23 22 20 12 11 7 

White, Asian, and all other races ................. 88 73 75 77 78 80 88 89 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 16 23 35 34 31 25 22 15 9 

Not Hispanic or Latino .................................. 84 77 65 66 69 75 78 85 91 

Education of reference person:

Elementary (1-8) .......................................... 4 13 11 11 11 6 4 3 1 

High school (9-12) ........................................ 35 52 63 56 54 55 48 38 21 

College ......................................................... 61 34 26 32 35 38 47 59 79 

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

At least one vehicle owned or leased ............ 95 74 72 82 86 93 96 97 99 

Average annual expenditures .......................... $63,101 $30,231 $25,663 $28,164 $33,161 $37,736 $42,562 $54,976 $86,654 

Food ............................................................... 8,583 5,803 5,305 4,887 6,212 6,278 6,242 8,209 10,601 

Food at home ............................................... 4,840 4,135 4,037 3,631 4,285 3,879 3,570 4,543 5,623 

Cereals and bakery products ..................... 660 595 526 480 577 502 499 595 781 

Cereals and cereal products .................... 223 228 193 184 218 190 184 200 251 

Bakery products ....................................... 437 367 333 296 359 312 315 396 530 

Meats, poultry, fish, and eggs .................... 1,130 1,254 1,082 860 1,114 944 841 1,040 1,267 

Beef .......................................................... 333 293 300 311 310 294 254 318 369 

Pork .......................................................... 223 334 234 159 219 222 168 194 241 

Other meats ............................................. 154 111 157 110 147 108 150 146 173 

Poultry ...................................................... 210 228 209 162 207 164 145 191 240 

Fish and seafood ..................................... 161 234 124 75 179 109 84 134 196 

Eggs ......................................................... 49 55 59 43 51 46 40 57 48 

Dairy products ............................................ 547 358 439 404 475 429 451 541 629 

Fresh milk and cream .............................. 216 175 209 197 200 173 186 221 235 

Other dairy products ................................ 331 184 230 207 275 256 266 320 394 

Fruits and vegetables ................................. 799 579 624 667 735 543 577 730 956 

Fresh fruits ............................................... 259 157 195 218 218 176 189 234 316 

Fresh vegetables ..................................... 258 201 208 207 261 152 185 227 312 

Processed fruits ....................................... 152 119 97 116 125 117 94 145 184 

Processed vegetables .............................. 130 102 124 126 131 98 109 123 144 

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, 2005-2006 — 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 .................................... $1,704 $1,349 $1,365 $1,221 $1,385 $1,461 $1,201 $1,637 $1,991 

Sugar and other sweets ........................... 172 112 133 132 129 123 109 171 208 

Fats and oils ............................................. 116 93 114 102 125 90 95 109 129 

Miscellaneous foods ................................ 899 735 712 605 704 764 633 867 1,056 

Nonalcoholic beverages ........................... 467 398 395 376 409 452 340 453 521 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 111 111 16 18 31 25 38 77 

Food away from home ................................. 3,743 1,667 1,268 1,255 1,927 2,399 2,672 3,667 4,977 

Alcoholic beverages ....................................... 446 1122 1106 143 123 333 189 396 647 

Housing .......................................................... 20,729 11,311 9,532 10,674 11,588 13,268 14,680 17,525 28,021 

Shelter .......................................................... 11,767 6,609 5,154 6,223 6,527 7,590 8,371 9,746 15,979 

Owned dwellings ........................................ 9,063 3,447 1,657 1,763 2,855 3,746 4,896 7,468 13,825 

Mortgage interest and charges ................ 5,819 2,212 1,043 1,143 1,793 2,449 3,258 4,857 8,828 

Property taxes .......................................... 2,123 863 433 454 616 886 1,047 1,670 3,288 

Maintenance, repairs, insurance, other

expenses ................................................ 1,121 371 1182 167 446 410 591 940 1,709 

Rented dwellings ........................................ 2,124 3,033 3,336 4,392 3,602 3,770 3,381 1,984 1,099 

Other lodging ............................................. 580 1130 1160 168 70 75 95 294 1,056 

Utilities, fuels, and public services ............... 4,206 3,016 2,693 2,870 3,134 3,351 3,653 4,064 4,964 

Natural gas ................................................. 636 391 406 466 474 480 510 594 774 

Electricity .................................................... 1,531 1,259 1,197 1,109 1,263 1,319 1,380 1,456 1,739 

Fuel oil and other fuels ............................... 149 1107 171 153 61 77 151 117 203 

Telephone services .................................... 1,390 967 730 976 1,001 1,102 1,210 1,408 1,631 

Water and other public services ................. 500 292 288 266 333 373 403 490 616 

Household operations .................................. 1,609 508 492 458 596 680 1,016 1,120 2,475 

Personal services ....................................... 1,028 1301 1316 1278 372 431 717 704 1,577 

Other household expenses ........................ 581 207 176 180 224 250 299 415 898 

Housekeeping supplies ................................ 842 552 497 381 483 591 572 809 1,080 

Laundry and cleaning supplies .................. 208 225 212 170 170 190 132 210 231 

Other household products .......................... 452 275 222 168 261 304 327 405 597 

Postage and stationery .............................. 182 52 64 43 53 97 113 193 252 

Household furnishings and equipment ......... 2,305 625 697 742 848 1,055 1,067 1,786 3,522 

Household textiles ...................................... 182 163 136 88 90 74 61 194 258 

Furniture ..................................................... 593 107 241 157 204 266 274 476 909 

Floor coverings .......................................... 63 13 144 17 16 29 21 50 102 

Major appliances ........................................ 336 160 173 95 84 131 154 276 522 

Small appliances, miscellaneous

housewares .............................................. 113 49 32 51 39 73 58 87 165 

Miscellaneous household equipment ......... 1,018 342 272 345 425 482 499 703 1,567 

Apparel and services ..................................... 2,781 2,135 1,477 1,518 1,845 1,791 2,185 2,339 3,611 

Men and boys .............................................. 666 526 238 262 448 389 628 575 862 

Men, 16 and over ....................................... 433 1165 147 1114 248 159 457 341 607 

Boys, 2 to 15 .............................................. 232 361 92 147 201 231 171 234 255 

Women and girls .......................................... 1,146 792 670 596 583 707 767 919 1,564 

Women, 16 and over .................................. 835 554 497 411 353 504 513 630 1,177 

Girls, 2 to 15 ............................................... 312 239 173 185 230 202 254 289 387 

Children under 2 .......................................... 165 276 161 266 143 202 176 142 154 

Footwear ...................................................... 494 399 261 241 523 322 479 429 589 

Other apparel products and services ........... 310 141 146 153 147 170 135 273 443 

Transportation ................................................ 11,698 5,524 4,619 5,598 6,576 6,640 8,296 11,018 15,653 

Vehicle purchases (net outlay) ..................... 5,034 12,398 11,505 2,350 2,830 2,202 3,232 4,689 6,975 

Cars and trucks, new ................................. 2,654 1762 4 ( ) 11,082 11,312 1220 1727 2,303 4,231 

Cars and trucks, used ................................ 2,286 1,636 1,505 1,268 1,518 1,976 2,496 2,319 2,574 

Other vehicles ............................................ 93 4 ( ) 4 ( ) 4 ( ) 4 ( ) 16 18 67 170 

Gasoline and motor oil ................................. 2,977 1,527 1,740 1,858 1,984 2,323 2,567 3,005 3,576 

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, 2005-2006 — 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 ............................... $3,154 $1,384 $1,229 $1,250 $1,610 $1,933 $2,332 $2,990 $4,218 

Vehicle finance charges ............................. 457 119 145 115 203 261 354 488 607 

Maintenance and repairs ........................... 875 494 459 535 553 530 601 786 1,152 

Vehicle insurance ....................................... 1,205 528 463 524 686 859 1,144 1,195 1,506 

Vehicle rental, leases, licenses, and other

charges .................................................... 617 243 162 77 167 284 233 521 953 

Public transportation .................................... 534 215 144 1140 152 181 165 333 884 

Healthcare ...................................................... 2,806 1,205 812 1,130 1,331 1,725 2,149 2,824 3,707 

Health insurance .......................................... 1,483 671 453 585 629 951 1,166 1,669 1,889 

Medical services .......................................... 771 242 111 282 373 390 574 686 1,085 

Drugs ........................................................... 444 251 211 227 282 329 344 384 576 

Medical supplies .......................................... 108 142 137 136 47 55 66 85 158 

Entertainment ................................................. 3,195 1,139 996 1,076 1,260 1,843 1,795 2,769 4,612 

Fees and admissions ................................... 894 224 129 99 210 313 358 550 1,499 

Audio and visual equipment and services .... 1,144 622 613 606 638 777 918 1,062 1,473 

Pets, toys, hobbies, and playground

equipment .................................................. 550 141 183 227 225 466 346 555 726 

Other entertainment supplies, equipment,

and services ............................................... 608 152 71 145 187 287 173 601 914 

Personal care products and services ............. 741 354 282 334 469 432 438 718 990 

Reading .......................................................... 131 36 31 39 39 48 77 88 208 

Education ....................................................... 1,471 472 422 419 288 376 719 945 2,424 

Tobacco products and smoking supplies ....... 354 472 434 275 428 474 427 393 283 

Miscellaneous ................................................ 905 351 233 359 389 683 544 915 1,210 

Cash contributions ......................................... 1,687 479 437 446 681 811 873 1,180 2,613 

Personal insurance and pensions .................. 7,573 830 976 1,266 1,933 3,034 3,947 5,659 12,074 

Life and other personal insurance ................ 480 155 1102 199 114 211 202 360 762 

Pensions and Social Security ...................... 7,093 675 874 1,167 1,819 2,823 3,745 5,299 11,312 

Sources of income and personal taxes: 

Money income before taxes ........................... 80,640 -616 12,352 17,528 25,219 35,212 44,704 59,600 127,188 

Wages and salaries ..................................... 72,502 6,612 7,837 12,794 21,245 30,688 38,455 54,848 114,548 

Self-employment income ............................. 4,292 -10,469 1321 1698 712 1,532 3,118 2,039 7,942 

Social Security, private and government

retirement ................................................... 1,657 1932 11,126 1,272 1,125 1,467 1,837 1,502 1,913 

Interest, dividends, rental income, other

property income ......................................... 737 1126 15 114 153 78 134 149 1,455 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 266 171 1421 1207 248 331 364 385 198 

Public assistance, supplemental security

income, food stamps .................................. 336 1,048 1,637 1,765 1,148 440 251 141 56 

Regular contributions for support ................. 568 616 720 1561 499 467 437 397 679 

Other income ............................................... 283 1450 1285 1216 1190 1208 1108 139 397 

Personal taxes ............................................... 2,718 -490 -504 -680 -994 -275 171 1,201 5,621 

Federal income taxes ................................... 1,801 -497 -549 -723 -1,083 -524 -177 628 4,026 

State and local income taxes ....................... 706 -19 30 9 28 162 223 451 1,250 

Other taxes .................................................. 211 127 114 135 60 87 125 122 346 

Income after taxes ......................................... 77,922 -126 12,856 18,208 26,214 35,486 44,533 58,398 121,567 

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, 2005-2006 — 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

Addenda:

Net change in total assets and liabilities ........ - $15,576 $6,006 - $5,641 - $19,298 - $4,281 - $10,490 - $7,318 - $10,275 - $23,885 

Net change in total assets ............................ 14,399 13,039 3,828 -3,251 3,405 6,006 8,942 12,500 21,512 

Net change in total liabilities ........................ 29,975 7,034 9,469 16,048 7,687 16,496 16,260 22,775 45,397 

Other financial information:

Other money receipts ................................... 579 115 117 1287 1157 1342 216 264 979 

Mortgage principal paid on owned property -3,249 -1,201 -515 -397 -643 -1,186 -1,476 -2,190 -5,320 

Estimated market value of owned home ...... 220,106 106,709 38,510 49,759 64,672 83,753 118,199 169,240 341,048 

Estimated monthly rental value of owned

home .......................................................... 1,062 483 268 311 433 513 624 921 1,545 

Gifts of goods and services ............................ 850 277 273 398 310 399 372 603 1,314 

Food ............................................................. 103 111 137 138 22 35 51 64 168 

Alcoholic beverages ..................................... 15 3 ( ) 4 ( ) 4 ( ) 3 ( ) 14 12 6 28 

Housing ........................................................ 183 1124 125 166 69 81 62 119 285 

Housekeeping supplies .............................. 33 15 118 14 18 17 114 33 47 

Household textiles ...................................... 9 12 3 ( ) 4 ( ) 14 13 15 115 11 

Appliances and miscellaneous

housewares .............................................. 23 113 11 110 12 111 14 11 39 

Major appliances ...................................... 9 4 ( ) 4 ( ) 11 11 111 11 13 15 

Small appliances and miscellaneous

housewares ............................................ 14 113 11 19 11 4 ( ) 13 18 25 

Miscellaneous household equipment ......... 40 18 14 130 113 16 14 33 63 

Other housing ............................................ 79 195 1103 122 141 45 125 27 123 

Apparel and services ................................... 195 1118 183 161 124 124 169 205 235 

Males, 2 and over ...................................... 38 119 127 137 17 115 121 58 45 

Females, 2 and over .................................. 60 139 19 17 28 35 47 70 76 

Children under 2 ........................................ 66 160 142 145 60 68 87 52 72 

Other apparel products and services ......... 31 4 ( ) 15 172 129 15 114 25 42 

Jewelry and watches ................................ 10 4 ( ) 4 ( ) 12 12 12 110 13 17 

All other apparel products and services ... 21 4 ( ) 15 170 127 13 14 123 25 

Transportation .............................................. 48 11 4 ( ) 155 115 172 36 14 71 

Health care ................................................... 20 12 11 12 16 11 18 120 31 

Entertainment ............................................... 58 12 11 114 114 116 116 56 93 

Toys, games, arts and crafts, and tricycles 17 11 11 13 16 16 110 16 25 

Other entertainment ................................... 42 11 4 ( ) 110 18 110 16 39 68 

Personal care products and services ........... 25 14 4 ( ) 4 ( ) 14 13 18 35 36 

Reading ........................................................ 1 3 ( ) 3 ( ) 12 4 ( ) 4 ( ) 11 3 ( ) 1 

Education ..................................................... 147 4 ( ) 11 152 121 132 18 39 285 

All other gifts ................................................ 54 16 124 18 35 31 10 44 81 

1 Data are likely to have large sampling errors. 2 Value less than 0.05. 3 Value less than or equal to 0.5.4 No data reported.

n.a. Not applicable.