Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Number of consumer units (in thousands) ......... 116,282 23,223 23,266 23,252 23,263 23,277

Lower limit .......................................................... n.a. n.a. $16,403 $32,477 $51,774 $81,058

Consumer unit characteristics:

Income before taxes

 Mean .............................................. $54,453 $9,168 $24,102 $41,614 $65,100 $132,158

 SE .................................................. 596.7 168.0 86.3 91.3 147.5 1836.5

 CV(%) ............................................. 1.1 1.8 .4 .2 .2 1.4

Income after taxes

 Mean .............................................. 52,287 9,220 23,751 40,802 62,847 124,698

 SE .................................................. 544.9 169.3 215.8 111.8 185.2 1715.0

 CV(%) ............................................. 1.0 1.8 .9 .3 .3 1.4

Age of reference person ................................... 48.5 51.1 50.9 47.2 45.7 47.4

Average number in consumer unit:

Persons .......................................................... 2.5 1.7 2.2 2.6 2.9 3.2

Children under 18 ........................................... .6 .4 .5 .7 .8 .8

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

Earners ........................................................... 1.3 .5 .9 1.4 1.7 2.1

Vehicles .......................................................... 1.9 .9 1.5 2.0 2.4 2.8

Percent distribution:

Sex of reference person:

Male ............................................................... 48 35 45 50 55 56

Female ........................................................... 52 65 55 50 45 44

Housing tenure:

Homeowner .................................................... 68 41 57 68 80 91

With mortgage .............................................. 42 12 23 42 61 73

Without mortgage ......................................... 25 30 35 25 20 18

Renter ............................................................ 32 59 43 32 20 9

Race of reference person:

Black or African-American .............................. 12 18 15 11 9 6

White, Asian, and All Other Races ................. 88 82 85 89 91 94

Hispanic or Latino origin of reference person:

Hispanic or Latino (new UCC Q20032) .......... 11 11 14 12 9 6

Not Hispanic or Latino (new UCC Q20032) ... 89 89 86 88 91 94

Education of reference person:

Elementary (1-8) ............................................ 5 13 8 4 2 1

High school (9-12) .......................................... 35 45 46 40 29 16

College ........................................................... 59 41 45 56 69 83

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

At least one vehicle owned or leased ............... 88 65 87 94 97 98

Average annual expenditures

 Mean .............................................. $43,394.87 $17,837.07 $27,409.71 $36,979.96 $50,974.33 $83,710.36

 SE .................................................. 419.83 338.82 428.95 452.11 320.64 1,146.50

 CV(%) ............................................. .97 1.90 1.56 1.22 .63 1.37

Food

 Mean .............................................. 5,780.82 2,967.07 4,139.37 5,377.92 6,762.03 9,653.26

 SE .................................................. 58.01 81.27 91.70 118.06 95.75 142.42

 CV(%) ............................................. 1.00 2.74 2.22 2.20 1.42 1.48

Food at home

 Mean .............................................. 3,346.82 2,044.31 2,659.08 3,209.23 3,835.75 4,983.89

 SE .................................................. 42.49 68.84 65.86 76.99 76.86 74.93

 CV(%) ............................................. 1.27 3.37 2.48 2.40 2.00 1.50

Cereals and bakery products

 Mean .............................................. 460.90 296.12 371.45 450.88 521.75 664.08

 SE .................................................. 7.62 11.94 9.58 12.42 16.05 15.10

 CV(%) ............................................. 1.65 4.03 2.58 2.75 3.08 2.27

Cereals and cereal products

 Mean .............................................. 153.80 111.36 122.15 152.78 174.21 208.44

 SE .................................................. 3.78 6.82 4.94 5.85 7.59 6.56

 CV(%) ............................................. 2.46 6.13 4.04 3.83 4.36 3.14

Bakery products

 Mean .............................................. 307.10 184.76 249.30 298.10 347.54 455.64

 SE .................................................. 5.14 7.57 6.95 9.06 11.29 11.53

 CV(%) ............................................. 1.67 4.09 2.79 3.04 3.25 2.53

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Meats, poultry, fish, and eggs

 Mean .............................................. 879.71 548.10 731.17 862.97 1,004.25 1,251.63

 SE .................................................. 15.44 25.93 25.29 30.03 37.20 28.18

 CV(%) ............................................. 1.76 4.73 3.46 3.48 3.70 2.25

Beef

 Mean .............................................. 265.34 157.04 225.42 257.45 309.69 376.98

 SE .................................................. 5.63 11.14 9.59 11.37 17.88 14.13

 CV(%) ............................................. 2.12 7.09 4.25 4.42 5.77 3.75

Pork

 Mean .............................................. 181.14 121.55 162.13 186.37 196.22 239.36

 SE .................................................. 4.32 6.98 7.50 11.30 9.86 8.52

 CV(%) ............................................. 2.39 5.75 4.62 6.07 5.02 3.56

Other meats

 Mean .............................................. 107.98 64.76 84.70 101.12 125.25 164.03

 SE .................................................. 2.69 3.57 4.63 6.24 5.88 8.54

 CV(%) ............................................. 2.49 5.51 5.46 6.17 4.69 5.21

Poultry

 Mean .............................................. 155.61 101.25 120.63 151.63 180.53 223.92

 SE .................................................. 3.43 6.88 6.22 7.92 8.37 7.65

 CV(%) ............................................. 2.21 6.79 5.16 5.22 4.64 3.42

Fish and seafood

 Mean .............................................. 127.80 71.49 97.73 125.35 149.93 194.41

 SE .................................................. 4.53 5.80 6.84 9.76 10.11 10.20

 CV(%) ............................................. 3.54 8.12 7.00 7.78 6.74 5.25

Eggs

 Mean .............................................. 41.84 32.01 40.55 41.06 42.64 52.93

 SE .................................................. .75 1.50 2.29 1.54 1.40 1.92

 CV(%) ............................................. 1.80 4.68 5.64 3.76 3.29 3.63

Dairy products

 Mean .............................................. 370.57 222.22 298.75 360.79 416.22 554.68

 SE .................................................. 5.90 8.99 9.24 9.48 9.00 12.55

 CV(%) ............................................. 1.59 4.05 3.09 2.63 2.16 2.26

Fresh milk and cream

 Mean .............................................. 144.33 101.28 123.66 147.20 155.31 194.14

 SE .................................................. 2.23 4.98 4.08 4.68 3.16 4.52

 CV(%) ............................................. 1.54 4.92 3.30 3.18 2.04 2.33

Other dairy products

 Mean .............................................. 226.24 120.94 175.09 213.58 260.91 360.54

 SE .................................................. 4.60 5.51 6.99 6.42 8.09 10.22

 CV(%) ............................................. 2.03 4.55 3.99 3.01 3.10 2.83

Fruits and vegetables

 Mean .............................................. 560.95 353.51 437.92 546.02 613.57 853.40

 SE .................................................. 8.10 12.30 12.06 15.95 15.06 18.17

 CV(%) ............................................. 1.44 3.48 2.75 2.92 2.45 2.13

Fresh fruits

 Mean .............................................. 186.74 112.98 145.91 185.63 194.22 294.83

 SE .................................................. 3.04 4.94 4.48 8.22 5.56 8.23

 CV(%) ............................................. 1.63 4.37 3.07 4.43 2.86 2.79

Fresh vegetables

 Mean .............................................. 182.94 116.96 139.19 171.26 206.04 281.13

 SE .................................................. 3.38 6.25 5.24 5.81 6.58 7.70

 CV(%) ............................................. 1.85 5.34 3.76 3.39 3.19 2.74

Processed fruits

 Mean .............................................. 109.63 68.27 86.70 108.83 121.51 162.78

 SE .................................................. 2.25 3.07 3.80 3.90 4.56 5.43

 CV(%) ............................................. 2.05 4.49 4.39 3.58 3.75 3.34

Processed vegetables

 Mean .............................................. 81.64 55.29 66.11 80.30 91.79 114.66

 SE .................................................. 1.82 3.30 3.21 3.71 3.69 2.96

 CV(%) ............................................. 2.23 5.96 4.86 4.62 4.02 2.58

Other food at home

 Mean .............................................. 1,074.69 624.35 819.80 988.57 1,279.96 1,660.10

 SE .................................................. 15.04 23.14 20.46 26.02 28.15 32.39

 CV(%) ............................................. 1.40 3.71 2.50 2.63 2.20 1.95

Sugar and other sweets

 Mean .............................................. 128.12 79.07 96.91 112.27 141.95 210.34

 SE .................................................. 3.16 5.63 4.08 4.91 6.62 8.70

 CV(%) ............................................. 2.46 7.12 4.21 4.38 4.66 4.14

Fats and oils

 Mean .............................................. 88.89 61.14 78.19 88.34 97.38 119.37

 SE .................................................. 1.81 3.51 3.83 4.05 3.22 3.47

 CV(%) ............................................. 2.03 5.75 4.90 4.58 3.31 2.91

Miscellaneous foods

 Mean .............................................. 527.29 290.74 385.57 485.23 642.01 832.60

 SE .................................................. 8.00 12.16 10.80 16.07 15.96 18.72

 CV(%) ............................................. 1.52 4.18 2.80 3.31 2.49 2.25

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Nonalcoholic beverages

 Mean .............................................. 289.52 180.56 237.25 272.46 347.98 409.20

 SE .................................................. 5.28 8.60 7.50 9.63 11.50 12.14

 CV(%) ............................................. 1.83 4.77 3.16 3.53 3.31 2.97

Food prepared by consumer unit on

out-of-town trips

 Mean .............................................. 40.86 12.84 21.89 30.28 50.64 88.60

 SE .................................................. 2.28 2.07 2.49 2.79 5.42 5.19

 CV(%) ............................................. 5.58 16.11 11.37 9.23 10.71 5.85

Food away from home

 Mean .............................................. 2,434.00 922.76 1,480.28 2,168.69 2,926.28 4,669.36

 SE .................................................. 38.59 39.73 52.82 76.05 67.78 101.71

 CV(%) ............................................. 1.59 4.31 3.57 3.51 2.32 2.18

Alcoholic beverages

 Mean .............................................. 459.27 194.10 263.83 408.21 554.08 875.69

 SE .................................................. 17.21 18.35 16.79 43.57 34.07 38.04

 CV(%) ............................................. 3.75 9.45 6.37 10.67 6.15 4.34

Housing

 Mean .............................................. 13,918.48 6,760.48 9,504.90 12,144.12 15,740.99 25,423.52

 SE .................................................. 178.42 171.28 136.26 142.17 223.52 364.92

 CV(%) ............................................. 1.28 2.53 1.43 1.17 1.42 1.44

Shelter

 Mean .............................................. 7,998.43 3,940.97 5,478.11 6,902.01 9,030.87 14,629.26

 SE .................................................. 133.59 114.00 143.53 119.15 181.67 263.03

 CV(%) ............................................. 1.67 2.89 2.62 1.73 2.01 1.80

Owned dwellings

 Mean .............................................. 5,324.49 1,357.84 2,516.72 4,091.48 6,659.23 11,986.38

 SE .................................................. 105.73 91.61 94.17 101.81 182.74 280.31

 CV(%) ............................................. 1.99 6.75 3.74 2.49 2.74 2.34

Mortgage interest and charges

 Mean .............................................. 2,936.18 495.07 1,054.61 2,208.18 3,956.38 6,960.09

 SE .................................................. 62.95 48.00 63.99 77.94 129.78 178.78

 CV(%) ............................................. 2.14 9.70 6.07 3.53 3.28 2.57

Property taxes

 Mean .............................................. 1,391.17 490.16 760.12 1,047.54 1,625.25 3,030.24

 SE .................................................. 32.38 30.66 26.45 31.02 56.36 90.04

 CV(%) ............................................. 2.33 6.26 3.48 2.96 3.47 2.97

Maintenance, repairs, insurance, other

expenses

 Mean .............................................. 997.14 372.61 701.98 835.76 1,077.61 1,996.05

 SE .................................................. 29.13 36.02 41.13 43.78 50.87 101.69

 CV(%) ............................................. 2.92 9.67 5.86 5.24 4.72 5.09

Rented dwellings

 Mean .............................................. 2,201.09 2,448.01 2,802.10 2,555.25 1,906.07 1,295.03

 SE .................................................. 48.22 78.48 120.54 93.91 91.51 97.41

 CV(%) ............................................. 2.19 3.21 4.30 3.68 4.80 7.52

Other lodging

 Mean .............................................. 472.85 135.12 159.29 255.28 465.56 1,347.86

 SE .................................................. 20.65 38.01 17.18 16.46 20.85 66.07

 CV(%) ............................................. 4.37 28.13 10.79 6.45 4.48 4.90

Utilities, fuels, and public services

 Mean .............................................. 2,926.65 1,720.25 2,371.13 2,867.98 3,370.41 4,300.66

 SE .................................................. 23.39 43.34 34.70 32.92 28.22 44.96

 CV(%) ............................................. .80 2.52 1.46 1.15 .84 1.05

Natural gas

 Mean .............................................. 424.02 233.68 341.38 423.13 477.06 644.40

 SE .................................................. 9.86 13.93 11.85 11.71 14.99 16.88

 CV(%) ............................................. 2.33 5.96 3.47 2.77 3.14 2.62

Electricity

 Mean .............................................. 1,064.41 682.53 894.05 1,044.22 1,188.17 1,512.19

 SE .................................................. 17.71 20.24 21.41 22.33 21.21 27.25

 CV(%) ............................................. 1.66 2.97 2.40 2.14 1.79 1.80

Fuel oil and other fuels

 Mean .............................................. 120.53 77.58 100.12 112.53 133.87 178.46

 SE .................................................. 8.15 11.88 11.47 10.24 10.36 14.00

 CV(%) ............................................. 6.76 15.31 11.46 9.10 7.74 7.84

Telephone services

 Mean .............................................. 990.22 562.32 787.09 955.68 1,184.74 1,460.27

 SE .................................................. 8.11 13.36 12.34 12.48 13.34 22.56

 CV(%) ............................................. .82 2.38 1.57 1.31 1.13 1.54

Water and other public services

 Mean .............................................. 327.47 164.14 248.49 332.42 386.57 505.35

 SE .................................................. 4.62 4.97 6.02 9.91 7.32 9.75

 CV(%) ............................................. 1.41 3.03 2.42 2.98 1.89 1.93

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Household operations

 Mean .............................................. 752.83 277.81 406.12 493.31 771.19 1,814.20

 SE .................................................. 22.07 38.27 36.18 18.23 25.74 68.09

 CV(%) ............................................. 2.93 13.77 8.91 3.69 3.34 3.75

Personal services

 Mean .............................................. 299.71 116.50 155.00 173.88 325.38 727.18

 SE .................................................. 18.99 36.78 30.80 17.61 20.50 54.52

 CV(%) ............................................. 6.34 31.57 19.87 10.13 6.30 7.50

Other household expenses

 Mean .............................................. 453.12 161.31 251.12 319.43 445.81 1,087.02

 SE .................................................. 10.91 10.65 12.56 11.17 14.64 35.71

 CV(%) ............................................. 2.41 6.60 5.00 3.50 3.28 3.29

Housekeeping supplies

 Mean .............................................. 594.47 314.13 406.66 529.69 712.50 1,008.97

 SE .................................................. 16.75 18.58 20.35 24.48 38.39 41.33

 CV(%) ............................................. 2.82 5.91 5.00 4.62 5.39 4.10

Laundry and cleaning supplies

 Mean .............................................. 148.56 87.31 116.27 155.34 175.14 208.68

 SE .................................................. 3.97 4.41 6.91 9.44 8.92 9.17

 CV(%) ............................................. 2.67 5.05 5.94 6.08 5.09 4.40

Other household products

 Mean .............................................. 290.41 145.46 192.01 240.16 356.97 517.23

 SE .................................................. 12.41 12.45 15.10 13.02 30.49 32.99

 CV(%) ............................................. 4.27 8.56 7.86 5.42 8.54 6.38

Postage and stationery

 Mean .............................................. 155.50 81.35 98.37 134.20 180.39 283.06

 SE .................................................. 5.97 9.24 7.90 12.38 11.01 18.30

 CV(%) ............................................. 3.84 11.36 8.03 9.23 6.11 6.47

Household furnishings and equipment

 Mean .............................................. 1,646.10 507.32 842.89 1,351.13 1,856.02 3,670.42

 SE .................................................. 48.08 29.85 42.33 72.57 77.56 163.79

 CV(%) ............................................. 2.92 5.88 5.02 5.37 4.18 4.46

Household textiles

 Mean .............................................. 157.66 55.64 99.32 128.40 180.24 324.53

 SE .................................................. 12.24 8.81 14.85 20.31 25.71 34.29

 CV(%) ............................................. 7.76 15.84 14.95 15.82 14.27 10.57

Furniture

 Mean .............................................. 416.97 124.91 185.59 294.11 479.34 1,000.02

 SE .................................................. 15.94 19.64 19.35 25.42 34.78 56.96

 CV(%) ............................................. 3.82 15.72 10.43 8.64 7.26 5.70

Floor coverings

 Mean .............................................. 51.98 8.81 16.10 37.59 66.26 131.04

 SE .................................................. 4.11 2.34 2.85 8.60 11.97 13.91

 CV(%) ............................................. 7.90 26.55 17.69 22.88 18.07 10.62

Major appliances

 Mean .............................................. 203.94 61.13 114.69 206.10 249.42 388.02

 SE .................................................. 9.91 12.39 14.45 31.72 24.29 28.05

 CV(%) ............................................. 4.86 20.27 12.60 15.39 9.74 7.23

Small appliances, miscellaneous

housewares

 Mean .............................................. 104.66 41.28 73.19 98.13 99.38 211.18

 SE .................................................. 4.38 3.56 7.35 12.82 10.29 14.67

 CV(%) ............................................. 4.19 8.63 10.04 13.06 10.36 6.95

Miscellaneous household equipment

 Mean .............................................. 710.89 215.55 354.01 586.79 781.37 1,615.64

 SE .................................................. 33.01 16.51 30.63 53.84 47.76 118.21

 CV(%) ............................................. 4.64 7.66 8.65 9.18 6.11 7.32

Apparel and services

 Mean .............................................. 1,815.95 836.52 1,058.18 1,477.15 2,052.25 3,653.61

 SE .................................................. 40.69 46.13 47.84 86.81 106.22 125.12

 CV(%) ............................................. 2.24 5.51 4.52 5.88 5.18 3.42

Men and boys

 Mean .............................................. 406.16 153.88 222.34 332.05 444.63 877.37

 SE .................................................. 16.07 17.84 15.76 27.80 28.12 51.37

 CV(%) ............................................. 3.96 11.59 7.09 8.37 6.32 5.85

Men, 16 and over

 Mean .............................................. 317.28 111.22 157.16 255.77 342.77 719.08

 SE .................................................. 15.29 16.87 15.59 25.86 25.46 49.95

 CV(%) ............................................. 4.82 15.17 9.92 10.11 7.43 6.95

Boys, 2 to 15

 Mean .............................................. 88.88 42.66 65.19 76.28 101.86 158.28

 SE .................................................. 3.25 6.75 3.88 4.49 8.88 10.69

 CV(%) ............................................. 3.65 15.82 5.95 5.89 8.72 6.75

Women and girls

 Mean .............................................. 738.60 336.49 407.00 592.58 890.39 1,465.79

 SE .................................................. 24.28 20.59 25.85 46.77 80.53 75.51

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Women and girls

 CV(%) ............................................. 3.29 6.12 6.35 7.89 9.04 5.15

Women, 16 and over

 Mean .............................................. 631.01 296.50 341.59 508.55 753.24 1,254.54

 SE .................................................. 24.16 19.79 25.41 45.52 79.22 75.26

 CV(%) ............................................. 3.83 6.67 7.44 8.95 10.52 6.00

Girls, 2 to 15

 Mean .............................................. 107.60 39.99 65.42 84.03 137.15 211.25

 SE .................................................. 4.00 5.66 5.79 5.27 11.31 15.34

 CV(%) ............................................. 3.72 14.14 8.85 6.27 8.24 7.26

Children under 2

 Mean .............................................. 78.51 46.52 58.93 64.87 91.60 130.57

 SE .................................................. 2.90 6.82 4.47 5.56 6.81 8.09

 CV(%) ............................................. 3.69 14.66 7.59 8.56 7.44 6.20

Footwear

 Mean .............................................. 328.74 195.42 237.31 291.87 360.58 558.32

 SE .................................................. 14.78 18.21 26.48 26.70 34.74 35.07

 CV(%) ............................................. 4.50 9.32 11.16 9.15 9.63 6.28

Other apparel products and services

 Mean .............................................. 263.94 104.21 132.59 195.78 265.05 621.56

 SE .................................................. 11.72 8.96 7.20 19.41 16.10 39.90

 CV(%) ............................................. 4.44 8.60 5.43 9.91 6.08 6.42

Transportation

 Mean .............................................. 7,801.38 2,628.61 5,004.64 6,827.04 9,953.99 14,579.80

 SE .................................................. 149.80 177.90 160.19 236.94 259.14 443.04

 CV(%) ............................................. 1.92 6.77 3.20 3.47 2.60 3.04

Vehicle purchases (net outlay)

 Mean .............................................. 3,397.07 951.36 2,130.12 2,796.74 4,546.08 6,554.97

 SE .................................................. 126.08 153.77 134.55 227.37 240.39 402.16

 CV(%) ............................................. 3.71 16.16 6.32 8.13 5.29 6.14

Cars and trucks, new

 Mean .............................................. 1,748.38 377.56 836.23 1,409.89 2,278.04 3,836.60

 SE .................................................. 95.36 113.93 120.15 173.92 176.76 333.41

 CV(%) ............................................. 5.45 30.18 14.37 12.34 7.76 8.69

Cars and trucks, used

 Mean .............................................. 1,582.25 569.30 1,281.63 1,343.75 2,109.15 2,605.01

 SE .................................................. 63.35 89.57 114.81 115.23 142.62 168.24

 CV(%) ............................................. 4.00 15.73 8.96 8.58 6.76 6.46

Other vehicles

 Mean .............................................. 66.45 4.49 12.27 43.09 158.89 113.35

 SE .................................................. 11.89 3.95 9.17 19.78 37.97 34.45

 CV(%) ............................................. 17.90 87.93 74.77 45.91 23.90 30.39

Gasoline and motor oil

 Mean .............................................. 1,597.56 730.41 1,157.35 1,578.58 2,019.91 2,499.61

 SE .................................................. 14.05 17.45 17.77 20.66 21.72 30.89

 CV(%) ............................................. .88 2.39 1.54 1.31 1.08 1.24

Other vehicle expenses

 Mean .............................................. 2,365.41 821.09 1,499.05 2,180.49 2,950.86 4,371.81

 SE .................................................. 28.09 42.28 37.94 35.27 56.28 71.91

 CV(%) ............................................. 1.19 5.15 2.53 1.62 1.91 1.64

Vehicle finance charges

 Mean .............................................. 323.41 62.22 165.83 316.54 487.87 584.02

 SE .................................................. 6.67 5.81 6.95 10.93 16.04 19.86

 CV(%) ............................................. 2.06 9.34 4.19 3.45 3.29 3.40

Maintenance and repairs

 Mean .............................................. 651.66 281.99 438.50 593.46 770.74 1,172.70

 SE .................................................. 10.67 30.62 20.73 18.76 20.31 41.76

 CV(%) ............................................. 1.64 10.86 4.73 3.16 2.64 3.56

Vehicle insurance

 Mean .............................................. 964.37 365.38 702.75 963.52 1,194.16 1,594.71

 SE .................................................. 14.14 15.18 14.84 19.16 28.04 34.97

 CV(%) ............................................. 1.47 4.15 2.11 1.99 2.35 2.19

Vehicle rental, leases, licenses, other

charges

 Mean .............................................. 425.96 111.50 191.97 306.97 498.09 1,020.38

 SE .................................................. 10.78 11.12 14.36 13.71 30.69 47.61

 CV(%) ............................................. 2.53 9.97 7.48 4.47 6.16 4.67

Public transportation

 Mean .............................................. 441.33 125.76 218.12 271.23 437.14 1,153.42

 SE .................................................. 14.49 9.82 20.68 14.50 22.67 54.85

 CV(%) ............................................. 3.28 7.81 9.48 5.35 5.19 4.76

Health care

 Mean .............................................. 2,574.21 1,420.60 2,139.25 2,529.49 2,969.02 3,810.07

 SE .................................................. 42.50 53.51 59.88 82.12 75.36 120.29

 CV(%) ............................................. 1.65 3.77 2.80 3.25 2.54 3.16

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Health insurance

 Mean .............................................. 1,331.71 745.16 1,146.34 1,345.65 1,555.98 1,864.16

 SE .................................................. 18.06 29.94 30.50 36.70 42.78 44.66

 CV(%) ............................................. 1.36 4.02 2.66 2.73 2.75 2.40

Medical services

 Mean .............................................. 648.37 264.80 438.80 577.96 778.44 1,180.88

 SE .................................................. 25.09 32.32 31.85 43.89 39.83 83.13

 CV(%) ............................................. 3.87 12.21 7.26 7.59 5.12 7.04

Drugs

 Mean .............................................. 480.29 357.49 477.28 493.15 498.70 574.63

 SE .................................................. 14.25 24.41 22.29 22.73 19.23 19.19

 CV(%) ............................................. 2.97 6.83 4.67 4.61 3.86 3.34

Medical supplies

 Mean .............................................. 113.83 53.16 76.83 112.73 135.91 190.40

 SE .................................................. 4.06 4.90 6.53 10.69 10.98 11.17

 CV(%) ............................................. 3.56 9.22 8.49 9.48 8.08 5.86

Entertainment

 Mean .............................................. 2,218.47 764.21 1,377.41 1,728.33 2,734.55 4,484.20

 SE .................................................. 76.35 33.07 208.61 86.13 119.70 166.69

 CV(%) ............................................. 3.44 4.33 15.14 4.98 4.38 3.72

Fees and admissions

 Mean .............................................. 527.94 131.14 200.71 346.38 604.32 1,355.94

 SE .................................................. 13.28 12.66 7.72 13.20 27.66 42.85

 CV(%) ............................................. 2.51 9.66 3.85 3.81 4.58 3.16

Television, radios, sound equipment

 Mean .............................................. 787.64 387.13 566.01 731.58 962.55 1,289.96

 SE .................................................. 11.27 11.26 14.62 17.30 22.82 28.31

 CV(%) ............................................. 1.43 2.91 2.58 2.36 2.37 2.19

Pets, toys, hobbies, and playground

equipment

 Mean .............................................. 380.64 142.76 246.39 322.89 480.19 710.47

 SE .................................................. 8.89 10.50 26.77 13.69 15.86 30.45

 CV(%) ............................................. 2.34 7.35 10.87 4.24 3.30 4.29

Other entertainment supplies, equipment,

and services

 Mean .............................................. 522.26 103.17 364.30 327.48 687.48 1,127.83

 SE .................................................. 66.86 23.40 200.14 74.83 114.05 140.60

 CV(%) ............................................. 12.80 22.68 54.94 22.85 16.59 12.47

Personal care products and services

 Mean .............................................. 581.09 270.94 399.61 506.92 640.88 1,086.44

 SE .................................................. 9.12 10.29 17.59 20.26 15.41 27.89

 CV(%) ............................................. 1.57 3.80 4.40 4.00 2.41 2.57

Reading

 Mean .............................................. 130.41 55.48 82.19 112.43 145.29 256.48

 SE .................................................. 2.98 2.90 3.64 4.38 5.43 7.98

 CV(%) ............................................. 2.29 5.22 4.43 3.89 3.74 3.11

Education

 Mean .............................................. 905.41 641.49 313.63 396.25 811.14 2,363.16

 SE .................................................. 56.51 169.95 36.06 33.29 55.96 126.74

 CV(%) ............................................. 6.24 26.49 11.50 8.40 6.90 5.36

Tobacco products and smoking supplies

 Mean .............................................. 288.13 214.15 286.74 340.44 326.86 272.38

 SE .................................................. 7.55 12.16 13.34 13.25 16.50 12.69

 CV(%) ............................................. 2.62 5.68 4.65 3.89 5.05 4.66

Miscellaneous

 Mean .............................................. 690.02 311.65 481.65 646.47 766.12 1,243.27

 SE .................................................. 28.57 40.81 44.41 50.29 65.27 59.86

 CV(%) ............................................. 4.14 13.10 9.22 7.78 8.52 4.81

Cash contributions

 Mean .............................................. 1,408.04 342.92 790.13 1,105.95 1,421.75 3,376.42

 SE .................................................. 95.07 27.68 68.22 80.14 84.43 398.63

 CV(%) ............................................. 6.75 8.07 8.63 7.25 5.94 11.81

Personal insurance and pensions

 Mean .............................................. 4,823.20 428.84 1,568.17 3,379.25 6,095.41 12,632.06

 SE .................................................. 60.61 18.12 30.71 53.16 89.78 179.34

 CV(%) ............................................. 1.26 4.23 1.96 1.57 1.47 1.42

Life and other personal insurance

 Mean .............................................. 390.34 110.48 181.75 309.79 426.47 922.42

 SE .................................................. 13.80 10.68 9.62 23.77 16.57 54.79

 CV(%) ............................................. 3.54 9.67 5.29 7.67 3.89 5.94

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Pensions and Social Security

 Mean .............................................. 4,432.85 318.36 1,386.42 3,069.46 5,668.94 11,709.64

 SE .................................................. 55.91 13.15 32.11 42.60 82.75 156.78

 CV(%) ............................................. 1.26 4.13 2.32 1.39 1.46 1.34

Sources of income and personal taxes: 

Money income before taxes

 Mean .............................................. 54,453.06 9,167.52 24,102.10 41,613.76 65,099.98 132,157.84

 SE .................................................. 693.68 173.56 180.28 246.64 542.92 2,122.30

 CV(%) ............................................. 1.27 1.89 .75 .59 .83 1.61

Wages and salaries

 Mean .............................................. 43,192.48 3,458.61 14,647.19 31,876.66 55,014.50 110,857.09

 SE .................................................. 480.00 101.52 249.25 318.00 392.19 1,176.10

 CV(%) ............................................. 1.11 2.94 1.70 1.00 .71 1.06

Self-employment income

 Mean .............................................. 3,007.86 -324.99 747.11 1,278.18 2,803.95 10,524.53

 SE .................................................. 326.31 141.43 114.51 227.11 468.50 1,058.30

 CV(%) ............................................. 10.85 -43.52 15.33 17.77 16.71 10.06

Social Security, private and

government retirement 

 Mean .............................................. 5,848.11 4,353.42 7,092.63 6,628.57 5,342.54 5,821.06

 SE .................................................. 94.06 181.27 196.10 231.49 241.05 379.21

 CV(%) ............................................. 1.61 4.16 2.76 3.49 4.51 6.51

Interest, dividends, rental income,

other property income 

 Mean .............................................. 1,260.69 135.11 498.71 831.58 1,017.85 3,816.73

 SE .................................................. 85.50 26.51 42.68 71.37 92.14 417.03

 CV(%) ............................................. 6.78 19.62 8.56 8.58 9.05 10.93

Unemployment and workers’ compensation,

veterans’ benefits 

 Mean .............................................. 236.52 113.78 255.60 282.43 307.17 223.45

 SE .................................................. 13.90 20.52 22.12 33.83 31.44 24.92

 CV(%) ............................................. 5.88 18.04 8.65 11.98 10.23 11.15

Public assistance, supplemental

security income, food stamps 

 Mean .............................................. 308.04 807.24 357.49 204.73 95.95 75.71

 SE .................................................. 18.83 50.95 33.52 29.77 18.64 26.90

 CV(%) ............................................. 6.11 6.31 9.38 14.54 19.42 35.53

Regular contributions for support

 Mean .............................................. 412.62 352.73 357.66 383.21 366.65 602.62

 SE .................................................. 25.37 39.43 38.46 36.38 37.78 92.04

 CV(%) ............................................. 6.15 11.18 10.75 9.49 10.30 15.27

Other income

 Mean .............................................. 186.74 271.63 145.72 128.41 151.39 236.66

 SE .................................................. 19.49 39.99 19.98 22.11 25.15 60.63

 CV(%) ............................................. 10.44 14.72 13.71 17.22 16.61 25.62

Personal taxes

 Mean .............................................. 2,165.85 -52.89 350.98 811.85 2,252.51 7,459.55

 SE .................................................. 105.38 29.70 198.40 78.78 158.59 390.39

 CV(%) ............................................. 4.87 -56.15 56.53 9.70 7.04 5.23

Federal income taxes

 Mean .............................................. 1,518.95 -95.17 149.87 419.68 1,555.19 5,559.77

 SE .................................................. 85.03 29.22 187.22 64.66 157.25 314.53

 CV(%) ............................................. 5.60 -30.70 124.92 15.41 10.11 5.66

State and local income taxes

 Mean .............................................. 472.12 3.93 91.65 239.09 499.12 1,525.34

 SE .................................................. 27.29 2.91 12.95 20.80 41.26 93.04

 CV(%) ............................................. 5.78 73.92 14.13 8.70 8.27 6.10

Other taxes

 Mean .............................................. 174.78 38.34 109.47 153.08 198.20 374.44

 SE .................................................. 17.12 6.93 9.75 14.49 23.12 53.49

 CV(%) ............................................. 9.80 18.07 8.91 9.46 11.66 14.28

Income after taxes

 Mean .............................................. 52,287.21 9,220.41 23,751.12 40,801.92 62,847.47 124,698.30

 SE .................................................. 649.98 174.79 267.62 254.92 554.15 2,019.80

 CV(%) ............................................. 1.24 1.90 1.13 .62 .88 1.62

Addenda:

Net change in total assets and liabilities

 Mean .............................................. -7,566.89 -378.43 -2,154.62 -4,000.34 -11,294.09 -19,986.59

 SE .................................................. 1,095.70 646.54 850.39 2,285.80 2,583.30 5,827.50

 CV(%) ............................................. -14.48 -170.80 -39.47 -57.14 -22.87 -29.16

Net change in total assets

 Mean .............................................. 9,210.94 1,279.58 2,974.67 8,000.70 12,683.61 21,096.01

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Net change in total assets

 SE .................................................. 822.36 455.21 702.01 1,957.60 1,634.70 2,774.50

 CV(%) ............................................. 8.93 35.58 23.60 24.47 12.89 13.15

Net change in total liabilities

 Mean .............................................. 16,777.83 1,658.01 5,129.29 12,001.04 23,977.70 41,082.60

 SE .................................................. 834.65 441.91 797.46 1,592.10 2,124.70 4,628.10

 CV(%) ............................................. 4.97 26.65 15.55 13.27 8.86 11.27

Other financial information:

Other money receipts

 Mean .............................................. 556.30 173.73 232.45 319.10 620.89 1,434.09

 SE .................................................. 85.89 70.66 54.93 68.63 96.72 442.86

 CV(%) ............................................. 15.44 40.67 23.63 21.51 15.58 30.88

Mortgage principal paid on owned property

 Mean .............................................. -1,790.89 -320.87 -568.67 -1,173.94 -2,281.94 -4,604.78

 SE .................................................. 55.16 41.31 36.45 79.35 132.75 153.67

 CV(%) ............................................. -3.08 -12.88 -6.41 -6.76 -5.82 -3.34

Estimated market value of owned home

 Mean .............................................. 137,638.94 48,738.69 80,329.23 106,930.93 155,158.05 296,787.51

 SE .................................................. 2,888.30 2,371.80 3,065.10 4,386.90 4,429.20 7,652.50

 CV(%) ............................................. 2.10 4.87 3.82 4.10 2.85 2.58

Estimated monthly rental value of

owned home 

 Mean .............................................. 780.86 319.85 495.38 652.68 922.06 1,513.12

 SE .................................................. 12.39 15.27 14.34 15.04 19.10 23.96

 CV(%) ............................................. 1.59 4.78 2.90 2.31 2.07 1.58

Gifts of goods and services

 Mean .............................................. 1,215.44 450.02 624.14 773.56 1,262.12 2,965.26

 SE .................................................. 51.29 41.30 67.47 51.11 77.42 174.67

 CV(%) ............................................. 4.22 9.18 10.81 6.61 6.13 5.89

Food

 Mean .............................................. 74.03 14.14 33.09 39.14 59.45 224.13

 SE .................................................. 5.85 2.96 9.80 5.34 6.61 26.23

 CV(%) ............................................. 7.90 20.94 29.62 13.64 11.11 11.70

Alcoholic beverages

 Mean .............................................. 19.91 4.15 8.40 20.05 21.79 45.14

 SE .................................................. 2.01 1.30 2.30 4.84 3.37 7.41

 CV(%) ............................................. 10.09 31.27 27.40 24.13 15.46 16.43

Housing

 Mean .............................................. 282.78 115.40 176.70 176.13 325.08 620.20

 SE .................................................. 19.05 16.97 45.69 17.90 35.36 46.35

 CV(%) ............................................. 6.74 14.71 25.86 10.16 10.88 7.47

Housekeeping supplies

 Mean .............................................. 61.07 18.84 35.70 42.96 98.27 109.54

 SE .................................................. 5.62 2.70 3.89 5.62 25.33 8.87

 CV(%) ............................................. 9.20 14.32 10.91 13.07 25.78 8.10

Household textiles

 Mean .............................................. 18.90 7.54 13.13 10.03 29.34 34.46

 SE .................................................. 2.01 2.33 3.21 3.26 6.59 6.70

 CV(%) ............................................. 10.62 30.90 24.43 32.45 22.48 19.43

Appliances and miscellaneous

housewares

 Mean .............................................. 31.93 6.40 22.44 25.78 25.20 79.77

 SE .................................................. 4.29 1.37 5.66 7.44 5.22 17.09

 CV(%) ............................................. 13.42 21.38 25.24 28.88 20.72 21.42

Major appliances

 Mean .............................................. 11.71 1.36 9.17 11.01 7.32 29.68

 SE .................................................. 3.68 .51 4.85 6.65 4.21 15.42

 CV(%) ............................................. 31.40 37.25 52.85 60.44 57.51 51.94

Small appliances and miscellaneous

housewares

 Mean .............................................. 20.22 5.04 13.27 14.77 17.88 50.09

 SE .................................................. 2.02 1.36 2.49 3.90 3.84 7.68

 CV(%) ............................................. 9.98 26.98 18.77 26.37 21.47 15.33

Miscellaneous household equipment

 Mean .............................................. 71.64 24.17 29.03 44.04 91.03 169.84

 SE .................................................. 7.39 7.15 5.46 6.85 13.40 26.23

 CV(%) ............................................. 10.31 29.58 18.81 15.56 14.72 15.45

Other housing

 Mean .............................................. 99.23 58.44 76.40 53.33 81.24 226.58

 SE .................................................. 11.63 15.13 38.56 9.71 14.96 28.16

 CV(%) ............................................. 11.72 25.89 50.47 18.20 18.42 12.43

Apparel and services

 Mean .............................................. 286.38 152.86 177.80 232.83 324.73 543.39

 SE .................................................. 16.88 21.85 20.02 28.14 28.36 69.09

 CV(%) ............................................. 5.89 14.29 11.26 12.09 8.73 12.71

See footnotes at end of table.
Table 1101. Quintiles of income before taxes: annual means, standard errors and coefficient of variation,

Consumer Expenditure Survey, 2004 — Continued

Item

All

consumer

units

Lowest

20

percent

Second

20

percent

Third

20

percent

Fourth

20

percent

Highest

20

percent

Males, 2 and over

 Mean .............................................. 75.54 38.41 45.19 57.54 82.17 154.31

 SE .................................................. 7.54 8.22 6.26 8.56 13.80 30.98

 CV(%) ............................................. 9.98 21.41 13.84 14.88 16.80 20.07

Females, 2 and over

 Mean .............................................. 101.20 46.06 61.50 82.23 113.79 202.33

 SE .................................................. 6.18 7.45 10.89 13.51 13.67 28.84

 CV(%) ............................................. 6.10 16.18 17.70 16.44 12.01 14.26

Children under 2

 Mean .............................................. 38.29 18.15 26.04 29.96 45.12 72.15

 SE .................................................. 1.84 2.70 2.81 2.67 3.61 7.51

 CV(%) ............................................. 4.80 14.87 10.80 8.92 8.01 10.41

Other apparel products and services

 Mean .............................................. 71.35 50.23 45.08 63.10 83.66 114.59

 SE .................................................. 7.99 11.99 12.08 12.69 15.24 25.14

 CV(%) ............................................. 11.20 23.88 26.80 20.11 18.22 21.93

Jewelry and watches

 Mean .............................................. 24.03 8.73 7.89 17.13 39.70 46.67

 SE .................................................. 6.02 3.23 1.23 2.80 12.86 21.20

 CV(%) ............................................. 25.05 37.01 15.62 16.35 32.40 45.43

All other apparel products and services

 Mean .............................................. 47.32 41.50 37.19 45.97 43.96 67.93

 SE .................................................. 5.34 11.42 11.88 12.52 8.39 13.00

 CV(%) ............................................. 11.29 27.53 31.94 27.23 19.07 19.14

Transportation

 Mean .............................................. 50.84 17.35 31.75 50.47 48.56 106.00

 SE .................................................. 7.23 7.92 13.52 17.16 11.66 20.48

 CV(%) ............................................. 14.22 45.63 42.58 34.01 24.01 19.32

Health care

 Mean .............................................. 49.10 27.80 52.06 25.57 60.91 79.07

 SE .................................................. 8.27 15.27 28.66 7.74 17.03 18.95

 CV(%) ............................................. 16.84 54.92 55.05 30.28 27.97 23.96

Entertainment

 Mean .............................................. 78.16 32.37 47.94 66.14 94.38 149.88

 SE .................................................. 3.73 4.53 3.23 6.18 7.79 14.36

 CV(%) ............................................. 4.78 13.98 6.73 9.34 8.25 9.58

Toys, games, arts and crafts, and tricycles

 Mean .............................................. 27.65 14.33 20.61 27.11 32.67 43.49

 SE .................................................. 1.58 2.98 2.00 2.85 2.52 3.82

 CV(%) ............................................. 5.71 20.83 9.69 10.51 7.73 8.79

Other entertainment

 Mean .............................................. 50.51 18.04 27.33 39.02 61.72 106.39

 SE .................................................. 3.10 2.93 3.56 5.77 6.80 12.70

 CV(%) ............................................. 6.13 16.25 13.04 14.79 11.02 11.93

Personal care products and services

 Mean .............................................. 28.83 9.66 21.12 21.62 28.51 63.21

 SE .................................................. 2.28 2.03 4.83 4.68 5.22 11.72

 CV(%) ............................................. 7.91 21.01 22.86 21.64 18.30 18.55

Reading

 Mean .............................................. 1.25 .40 .60 1.17 2.06 2.00

 SE .................................................. .16 .15 .14 .25 .47 .42

 CV(%) ............................................. 13.02 39.04 23.79 21.61 22.83 20.94

Education

 Mean .............................................. 249.81 28.37 22.27 63.71 187.57 946.29

 SE .................................................. 21.25 8.83 6.26 13.85 27.99 94.15

 CV(%) ............................................. 8.51 31.11 28.11 21.74 14.92 9.95

All other gifts

 Mean .............................................. 94.36 47.52 52.41 76.73 109.08 185.93

 SE .................................................. 11.15 16.76 12.28 13.02 18.01 37.23

 CV(%) ............................................. 11.82 35.26 23.43 16.97 16.51 20.02

1 Value are less than 0.01. n.a. Not applicable.