Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005

Item

Total

five or

more

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) ....... 11,048 350 364 438 934 1,231 1,155 1,982 4,595 

Consumer unit characteristics: 

Income before taxes ..................................... $76,557 $2,268 $12,835 $17,591 $25,266 $34,802 $44,729 $59,699 $129,765 

Income after taxes ........................................ 74,871 2,444 13,494 18,197 26,070 35,412 44,966 59,200 125,416 

Age of reference person ................................ 41.0 40.1 40.6 40.0 38.0 38.3 40.0 40.7 43.0 

Average number in consumer unit:

Persons ........................................................ 5.6 5.5 5.6 5.5 5.6 5.6 5.8 5.6 5.6 

Children under 18 ........................................ 2.8 3.2 3.4 3.1 3.1 3.0 2.9 2.7 2.5 

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

Earners ........................................................ 2.2 .7 .9 1.2 1.6 1.9 2.1 2.3 2.7 

Vehicles ....................................................... 2.5 1.1 1.2 1.4 1.7 2.0 2.3 2.6 3.1 

Percent distribution:

Sex of reference person:

Male ............................................................. 44 24 22 31 36 41 44 48 50 

Female ......................................................... 56 76 78 69 64 59 56 52 50 

Housing tenure:

Homeowner .................................................. 73 41 31 41 48 59 67 77 91 

With mortgage ............................................ 59 22 13 21 28 45 54 63 78 

Without mortgage ....................................... 15 18 18 20 19 14 13 14 14 

Renter .......................................................... 27 59 69 59 52 41 33 23 9 

Race of reference person:

Black or African-American ........................... 15 32 39 30 19 17 15 13 10 

White, Asian, and all other races ................. 85 68 61 70 81 83 85 87 90 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 27 30 26 40 46 37 34 28 17 

Not Hispanic or Latino .................................. 73 70 74 60 54 63 66 72 83 

Education of reference person:

Elementary (1-8) .......................................... 10 17 18 19 16 13 15 9 4 

High school (9-12) ........................................ 39 54 63 59 57 49 44 41 25 

College ......................................................... 51 27 18 21 26 37 39 49 70 

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

At least one vehicle owned or leased ............ 93 63 75 80 88 91 95 97 97 

Average annual expenditures .......................... $59,173 $23,890 $27,045 $27,112 $30,539 $38,383 $44,099 $51,625 $85,705 

Food ............................................................... 8,792 4,743 6,985 5,887 5,623 6,471 7,732 8,161 11,242 

Food at home ............................................... 5,498 3,919 5,801 4,521 4,232 4,312 4,805 5,099 6,596 

Cereals and bakery products ..................... 792 604 801 651 543 619 696 733 965 

Cereals and cereal products .................... 290 308 333 261 196 236 247 278 340 

Bakery products ....................................... 502 296 468 390 347 383 449 455 625 

Meats, poultry, fish, and eggs .................... 1,399 1,197 1,487 1,285 1,132 1,147 1,288 1,324 1,602 

Beef .......................................................... 432 354 410 432 320 374 400 400 499 

Pork .......................................................... 274 232 336 224 282 208 267 265 300 

Other meats ............................................. 188 174 203 152 144 134 166 181 224 

Poultry ...................................................... 264 199 272 257 189 224 232 251 308 

Fish and seafood ..................................... 179 168 178 165 132 133 155 175 213 

Eggs ......................................................... 62 71 89 55 64 74 68 51 59 

Dairy products ............................................ 638 463 615 564 467 525 531 580 775 

Fresh milk and cream .............................. 271 292 269 289 232 258 245 245 299 

Other dairy products ................................ 366 171 346 275 235 267 285 334 476 

Fruits and vegetables ................................. 898 535 982 670 675 747 823 814 1,076 

Fresh fruits ............................................... 295 172 309 210 203 249 266 255 363 

Fresh vegetables ..................................... 277 190 300 220 242 229 255 248 323 

Processed fruits ....................................... 177 83 157 134 104 149 155 160 222 

Processed vegetables .............................. 151 90 217 106 125 120 147 151 167 

See footnotes at end of table.
Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

five or

more

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 .................................... $1,771 $1,119 $1,915 $1,351 $1,416 $1,274 $1,467 $1,648 $2,178 

Sugar and other sweets ........................... 198 138 231 126 157 137 148 177 252 

Fats and oils ............................................. 139 129 195 147 121 110 120 136 154 

Miscellaneous foods ................................ 937 542 1,034 690 775 637 759 863 1,167 

Nonalcoholic beverages ........................... 446 280 448 380 350 340 406 425 528 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 131 17 18 113 48 34 47 77 

Food away from home ................................. 3,294 824 1,185 1,367 1,391 2,158 2,927 3,062 4,646 

Alcoholic beverages ....................................... 361 144 1125 1103 135 228 398 319 507 

Housing .......................................................... 19,103 10,292 9,542 9,988 11,169 12,921 14,739 16,174 26,995 

Shelter .......................................................... 10,863 6,044 4,887 5,846 5,981 7,135 8,342 9,423 15,428 

Owned dwellings ........................................ 8,166 2,393 968 1,858 2,257 3,794 5,350 6,919 13,395 

Mortgage interest and charges ................ 5,293 1,581 1567 1,173 1,332 2,457 3,692 4,749 8,545 

Property taxes .......................................... 1,778 631 291 406 568 784 976 1,412 2,985 

Maintenance, repairs, insurance, other

expenses ................................................ 1,095 1181 1111 278 357 552 683 758 1,864 

Rented dwellings ........................................ 2,237 3,559 3,887 3,895 3,696 3,248 2,876 2,263 1,108 

Other lodging ............................................. 460 192 131 194 128 94 116 241 925 

Utilities, fuels, and public services ............... 4,127 2,744 2,990 2,888 3,291 3,463 3,605 3,992 4,977 

Natural gas ................................................. 620 413 507 429 500 426 517 585 779 

Electricity .................................................... 1,506 1,210 1,208 1,213 1,274 1,331 1,339 1,435 1,748 

Fuel oil and other fuels ............................... 145 125 114 166 98 113 122 120 206 

Telephone services .................................... 1,355 763 957 852 1,045 1,147 1,146 1,341 1,657 

Water and other public services ................. 501 333 304 328 374 446 481 512 588 

Household operations .................................. 1,083 335 378 291 396 534 587 666 1,863 

Personal services ....................................... 632 1122 1222 1191 199 342 342 387 1,088 

Other household expenses ........................ 452 213 156 100 197 192 245 278 775 

Housekeeping supplies ................................ 771 469 614 333 488 551 527 662 1,064 

Laundry and cleaning supplies .................. 222 133 206 117 173 192 203 229 257 

Other household products .......................... 377 278 322 186 227 266 236 296 536 

Postage and stationery .............................. 172 158 185 130 88 93 88 137 271 

Household furnishings and equipment ......... 2,259 700 674 631 1,014 1,239 1,678 1,432 3,663 

Household textiles ...................................... 173 149 136 183 109 211 114 79 255 

Furniture ..................................................... 647 190 251 194 217 352 364 425 1,088 

Floor coverings .......................................... 74 143 16 110 15 15 18 31 149 

Major appliances ........................................ 325 83 173 161 111 192 571 228 442 

Small appliances, miscellaneous

housewares .............................................. 124 40 172 33 101 94 104 75 178 

Miscellaneous household equipment ......... 917 294 236 251 471 374 507 594 1,549 

Apparel and services ..................................... 2,955 1,374 2,330 1,634 1,831 2,246 2,184 2,443 4,052 

Men and boys .............................................. 751 260 401 257 469 542 600 737 1,008 

Men, 16 and over ....................................... 461 198 1140 180 181 296 413 454 654 

Boys, 2 to 15 .............................................. 290 162 261 178 288 245 188 283 354 

Women and girls .......................................... 1,063 543 660 666 562 700 745 852 1,529 

Women, 16 and over .................................. 718 329 323 437 364 443 508 545 1,068 

Girls, 2 to 15 ............................................... 344 214 338 230 197 258 237 307 461 

Children under 2 .......................................... 190 154 214 240 236 178 215 151 197 

Footwear ...................................................... 579 1358 907 1286 422 654 430 494 679 

Other apparel products and services ........... 372 159 148 184 143 172 195 209 639 

Transportation ................................................ 10,569 3,175 4,073 4,038 5,282 8,016 7,506 10,622 14,770 

Vehicle purchases (net outlay) ..................... 4,512 1831 11,767 11,582 1,860 3,694 2,664 5,016 6,293 

Cars and trucks, new ................................. 2,075 3 ( ) 1348 3 ( ) 1354 1,735 1529 2,356 3,276 

Cars and trucks, used ................................ 2,390 831 1,419 1,582 1,505 1,954 2,129 2,600 2,935 

Other vehicles ............................................ 46 3 ( ) 3 ( ) 3 ( ) 3 ( ) 15 16 161 82 

Gasoline and motor oil ................................. 2,632 1,118 1,308 1,324 1,715 2,066 2,360 2,593 3,399 

See footnotes at end of table.
Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

five or

more

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 ............................... $2,970 $964 $933 $1,068 $1,576 $2,091 $2,230 $2,701 $4,282 

Vehicle finance charges ............................. 446 172 1101 130 182 243 327 444 670 

Maintenance and repairs ........................... 795 373 380 286 495 619 605 708 1,098 

Vehicle insurance ....................................... 1,193 421 357 568 667 935 1,036 1,171 1,603 

Vehicle rental, leases, licenses, and other

charges .................................................... 536 99 94 83 232 294 262 378 912 

Public transportation .................................... 456 1262 65 64 132 166 252 312 795 

Healthcare ...................................................... 2,618 687 646 1,077 1,103 1,827 2,552 2,428 3,682 

Health insurance .......................................... 1,308 368 221 532 569 836 1,087 1,320 1,868 

Medical services .......................................... 814 88 217 355 260 698 1,021 663 1,117 

Drugs ........................................................... 381 207 187 166 216 238 365 352 517 

Medical supplies .......................................... 114 125 121 124 59 56 79 93 180 

Entertainment ................................................. 3,061 1,035 1,097 971 1,443 1,398 1,851 2,346 4,945 

Fees and admissions ................................... 736 149 222 118 178 250 310 468 1,346 

Audio and visual equipment and services .... 1,069 559 573 529 564 690 825 928 1,526 

Pets, toys, hobbies, and playground

equipment .................................................. 486 141 170 270 306 271 494 415 674 

Other entertainment supplies, equipment,

and services ............................................... 770 187 132 54 395 187 222 535 1,399 

Personal care products and services ............. 692 360 535 275 343 490 585 580 966 

Reading .......................................................... 117 47 23 29 44 47 82 89 193 

Education ....................................................... 1,377 516 198 252 326 313 657 788 2,575 

Tobacco products and smoking supplies ....... 366 349 354 388 495 373 403 452 291 

Miscellaneous ................................................ 822 1183 196 926 455 393 744 809 1,123 

Cash contributions ......................................... 1,642 424 301 571 427 842 890 1,098 2,828 

Personal insurance and pensions .................. 6,697 660 640 973 1,862 2,817 3,774 5,315 11,536 

Life and other personal insurance ................ 590 1286 1110 186 115 233 254 322 1,092 

Pensions and Social Security ...................... 6,107 374 530 887 1,747 2,584 3,520 4,993 10,444 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,557 2,268 12,835 17,591 25,266 34,802 44,729 59,699 129,765 

Wages and salaries ..................................... 66,369 3,323 5,940 10,879 20,299 30,660 39,830 53,409 112,437 

Self-employment income ............................. 5,196 1-4,503 1357 1322 874 801 1,340 2,499 10,971 

Social Security, private and government

retirement ................................................... 2,122 1819 1,807 2,440 1,581 1,363 1,866 2,122 2,593 

Interest, dividends, rental income, other

property income ......................................... 1,129 1-76 13 120 123 74 90 202 2,583 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 276 1216 1241 1193 480 208 324 374 215 

Public assistance, supplemental security

income, food stamps .................................. 822 1,885 3,754 3,093 1,500 1,220 779 349 263 

Regular contributions for support ................. 484 1362 528 1444 294 356 311 617 552 

Other income ............................................... 160 1242 1206 1199 1216 120 1189 127 152 

Personal taxes ............................................... 1,686 -175 -658 -606 -804 -609 -237 499 4,349 

Federal income taxes ................................... 1,049 -163 -653 -658 -888 -765 -507 57 3,139 

State and local income taxes ....................... 476 1-52 -27 45 54 111 171 294 936 

Other taxes .................................................. 161 140 122 17 29 45 99 148 274 

Income after taxes ......................................... 74,871 2,444 13,494 18,197 26,070 35,412 44,966 59,200 125,416 

See footnotes at end of table.
Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and

characteristics, Consumer Expenditure Survey, 2004-2005 — Continued

Item

Total

five or

more

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 ........ - $18,542 $1,774 $1,602 - $3,338 - $2,897 - $12,107 - $11,621 - $14,164 - $31,666 

Net change in total assets ............................ 15,495 11,307 8,531 34 7,947 3,356 11,293 21,477 21,864 

Net change in total liabilities ........................ 34,037 -467 6,929 3,372 10,844 15,462 22,914 35,641 53,530 

Other financial information:

Other money receipts ................................... 250 15 3 ( ) 1438 115 132 1144 381 346 

Mortgage principal paid on owned

property ...................................................... -2,743 -1,093 1-413 -498 -565 -1,009 -1,396 -2,026 -4,823 

Estimated market value of owned home ...... 188,189 49,055 27,884 43,755 58,598 80,510 107,977 152,388 316,038 

Estimated monthly rental value of owned

home .......................................................... 966 374 212 302 363 493 651 886 1,497 

Gifts of goods and services ............................ 708 210 523 173 360 576 443 483 1,071 

Food ............................................................. 45 115 125 72 110 30 36 32 64 

Alcoholic beverages ..................................... 11 3 ( ) 2 ( ) 2 ( ) 2 ( ) 19 124 17 14 

Housing ........................................................ 156 187 125 144 96 125 126 101 223 

Housekeeping supplies .............................. 37 136 16 13 130 21 110 35 56 

Household textiles ...................................... 13 3 ( ) 3 ( ) 2 ( ) 12 110 19 19 22 

Appliances and miscellaneous

housewares .............................................. 22 115 3 ( ) 3 ( ) 111 133 132 18 29 

Major appliances ...................................... 4 113 3 ( ) 3 ( ) 3 ( ) 3 ( ) 119 12 12 

Small appliances and miscellaneous

housewares ............................................ 19 12 3 ( ) 3 ( ) 111 133 113 16 27 

Miscellaneous household equipment ......... 38 17 19 113 110 23 23 12 69 

Other housing ............................................ 45 128 1110 128 144 138 152 36 47 

Apparel and services ................................... 224 160 323 136 142 299 140 169 283 

Males, 2 and over ...................................... 52 126 179 14 118 49 18 57 69 

Females, 2 and over .................................. 77 114 1114 15 88 88 56 46 96 

Children under 2 ........................................ 56 119 147 120 32 50 60 41 73 

Other apparel products and services ......... 40 11 184 18 13 1113 16 125 44 

Jewelry and watches ................................ 6 11 12 18 3 ( ) 11 12 13 10 

All other apparel products and services ... 34 3 ( ) 182 3 ( ) 13 1111 14 122 33 

Transportation .............................................. 23 19 138 17 21 10 5 13 36 

Health care ................................................... 16 14 3 ( ) 11 16 12 13 126 25 

Entertainment ............................................... 60 18 18 19 110 112 135 39 111 

Toys, games, arts and crafts, and

tricycles .................................................... 12 14 11 18 15 16 113 8 20 

Other entertainment ................................... 48 14 17 11 16 16 22 31 91 

Personal care products and services ........... 24 125 12 13 13 139 27 9 34 

Reading ........................................................ 2 ( ) 3 ( ) 3 ( ) 3 ( ) 3 ( ) 3 ( ) 2 ( ) 2 ( ) 2 ( )

Education ..................................................... 108 12 13 11 139 12 129 54 219 

All other gifts ................................................ 42 11 3 ( ) 2 ( ) 34 48 17 34 61 

1 Data are likely to have large sampling errors. 2 Value less than or equal to 0.5.3 No data reported.

n.a. Not applicable.