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

Consumer Expenditure Survey, 2004-2005

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) ....... 16,136 467 502 541 1,349 1,508 1,625 2,903 7,240 

Consumer unit characteristics: 

Income before taxes ..................................... $76,485 $2,177 $12,550 $17,367 $25,074 $35,149 $44,664 $59,712 $122,191 

Income after taxes ........................................ 73,902 2,539 13,290 18,034 25,937 35,440 44,478 58,679 116,543 

Age of reference person ................................ 41.0 39.6 37.5 37.7 38.1 38.5 39.0 40.8 43.2 

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 1.9 1.8 1.7 1.7 1.6 1.5 

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

Earners ........................................................ 1.9 .8 1.1 1.2 1.5 1.7 1.9 2.0 2.2 

Vehicles ....................................................... 2.5 1.2 1.5 1.4 1.6 2.0 2.3 2.7 3.0 

Percent distribution:

Sex of reference person:

Male ............................................................. 47 20 27 30 37 44 44 51 54 

Female ......................................................... 53 80 73 70 63 56 56 49 46 

Housing tenure:

Homeowner .................................................. 76 42 39 31 46 56 70 81 93 

With mortgage ............................................ 65 27 20 21 33 45 58 69 83 

Without mortgage ....................................... 11 15 19 11 13 12 12 12 10 

Renter .......................................................... 24 58 61 69 54 44 30 19 7 

Race of reference person:

Black or African-American ........................... 13 25 23 27 24 18 11 13 8 

White, Asian, and all other races ................. 87 75 77 73 76 82 89 87 92 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 16 26 30 31 29 28 21 14 8 

Not Hispanic or Latino .................................. 84 74 70 69 71 72 79 86 92 

Education of reference person:

Elementary (1-8) .......................................... 4 12 13 10 14 7 4 3 1 

High school (9-12) ........................................ 34 51 62 58 51 52 48 37 19 

College ......................................................... 61 36 22 32 35 40 48 61 80 

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

At least one vehicle owned or leased ............ 95 69 83 80 88 94 95 97 99 

Average annual expenditures .......................... $60,050 $27,852 $24,281 $27,266 $31,153 $38,423 $41,356 $52,742 $83,900 

Food ............................................................... 8,399 5,541 4,959 5,369 5,840 6,477 6,184 8,150 10,444 

Food at home ............................................... 4,828 3,969 3,679 3,854 4,188 4,109 3,860 4,603 5,574 

Cereals and bakery products ..................... 669 580 500 583 563 549 545 638 774 

Cereals and cereal products .................... 224 197 200 247 197 199 199 214 244 

Bakery products ....................................... 446 383 300 337 366 350 346 424 530 

Meats, poultry, fish, and eggs .................... 1,195 1,133 1,041 931 1,185 1,069 1,007 1,123 1,321 

Beef .......................................................... 368 275 278 312 337 342 315 346 415 

Pork .......................................................... 240 294 252 166 246 234 191 233 252 

Other meats ............................................. 158 111 109 102 162 130 151 160 174 

Poultry ...................................................... 209 192 207 208 198 191 163 200 229 

Fish and seafood ..................................... 170 205 130 98 189 120 144 136 201 

Eggs ......................................................... 50 56 64 45 53 52 43 47 51 

Dairy products ............................................ 552 351 442 449 464 475 479 552 627 

Fresh milk and cream .............................. 217 153 226 212 200 183 211 217 233 

Other dairy products ................................ 335 199 216 237 264 292 268 335 394 

Fruits and vegetables ................................. 763 547 596 651 665 586 610 680 916 

Fresh fruits ............................................... 249 164 193 202 207 168 197 210 312 

Fresh vegetables ..................................... 238 163 194 211 222 172 200 225 278 

Processed fruits ....................................... 155 118 102 120 128 136 110 137 187 

Processed vegetables .............................. 122 102 107 119 107 111 103 108 138 

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, 2004-2005 — 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 .................................... $1,648 $1,358 $1,099 $1,240 $1,311 $1,429 $1,220 $1,610 $1,936 

Sugar and other sweets ........................... 174 148 121 147 131 130 115 174 209 

Fats and oils ............................................. 122 98 124 106 118 110 120 112 133 

Miscellaneous foods ................................ 859 722 522 587 685 755 598 801 1,035 

Nonalcoholic beverages ........................... 443 382 328 394 367 399 344 476 488 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 17 16 16 11 35 42 46 72 

Food away from home ................................. 3,572 1,571 1,280 1,514 1,652 2,368 2,324 3,547 4,870 

Alcoholic beverages ....................................... 444 1101 1112 164 187 297 264 377 649 

Housing .......................................................... 19,264 10,432 8,100 9,750 11,088 12,904 13,711 16,442 26,517 

Shelter .......................................................... 10,905 6,051 4,352 5,742 6,407 7,299 7,651 9,160 15,077 

Owned dwellings ........................................ 8,399 2,962 1,147 1,469 2,589 3,937 4,865 7,184 13,063 

Mortgage interest and charges ................ 5,359 1,953 709 898 1,644 2,604 3,298 4,780 8,195 

Property taxes .......................................... 1,929 742 317 390 529 758 1,038 1,586 3,075 

Maintenance, repairs, insurance, other

expenses ................................................ 1,111 267 121 181 415 574 529 818 1,794 

Rented dwellings ........................................ 1,988 2,985 3,065 4,226 3,744 3,248 2,647 1,712 1,054 

Other lodging ............................................. 518 1104 1140 147 74 115 139 264 959 

Utilities, fuels, and public services ............... 3,907 2,642 2,458 2,532 2,873 3,127 3,540 3,801 4,672 

Natural gas ................................................. 579 366 262 400 408 445 508 554 714 

Electricity .................................................... 1,427 1,131 1,041 1,028 1,178 1,190 1,344 1,376 1,639 

Fuel oil and other fuels ............................... 143 192 1130 127 53 103 137 131 188 

Telephone services .................................... 1,307 807 773 825 935 1,033 1,184 1,310 1,565 

Water and other public services ................. 450 246 252 252 299 357 367 431 567 

Household operations .................................. 1,393 456 367 405 541 633 842 1,034 2,183 

Personal services ....................................... 858 1293 1264 271 344 387 583 647 1,320 

Other household expenses ........................ 535 163 104 134 197 245 259 387 864 

Housekeeping supplies ................................ 823 481 417 345 477 617 540 748 1,097 

Laundry and cleaning supplies .................. 206 182 186 170 189 203 167 199 226 

Other household products .......................... 430 245 167 148 232 315 281 349 601 

Postage and stationery .............................. 187 54 64 27 56 99 92 200 271 

Household furnishings and equipment ......... 2,237 803 506 726 790 1,227 1,137 1,699 3,488 

Household textiles ...................................... 181 29 38 113 79 86 121 198 250 

Furniture ..................................................... 579 201 169 130 203 306 259 423 927 

Floor coverings .......................................... 61 13 15 14 115 19 23 81 91 

Major appliances ........................................ 278 1101 167 87 73 163 187 193 435 

Small appliances, miscellaneous

housewares .............................................. 114 35 27 78 50 67 51 84 173 

Miscellaneous household equipment ......... 1,024 433 201 313 370 586 495 721 1,612 

Apparel and services ..................................... 2,728 1,714 1,636 1,729 1,696 2,057 1,623 2,274 3,671 

Men and boys .............................................. 647 489 325 381 421 464 374 566 864 

Men, 16 and over ....................................... 417 207 170 228 229 236 212 351 601 

Boys, 2 to 15 .............................................. 230 282 155 154 192 228 162 215 263 

Women and girls .......................................... 1,110 635 652 606 541 731 550 975 1,555 

Women, 16 and over .................................. 815 405 508 446 361 535 329 715 1,163 

Girls, 2 to 15 ............................................... 295 230 144 160 180 197 221 260 391 

Children under 2 .......................................... 159 137 151 234 172 181 122 129 167 

Footwear ...................................................... 512 298 376 286 399 496 427 420 627 

Other apparel products and services ........... 301 155 132 223 164 185 150 183 458 

Transportation ................................................ 11,307 5,602 4,903 4,767 5,875 7,597 8,359 10,789 15,259 

Vehicle purchases (net outlay) ..................... 5,123 12,863 2,114 1,776 2,365 3,278 3,508 5,053 7,016 

Cars and trucks, new ................................. 2,665 1546 1745 1688 1696 1,380 1,404 2,384 4,112 

Cars and trucks, used ................................ 2,358 2,317 1,366 1,088 1,668 1,894 2,010 2,549 2,750 

Other vehicles ............................................ 100 3 ( ) 13 3 ( ) 3 ( ) 14 194 1120 154 

Gasoline and motor oil ................................. 2,523 1,343 1,553 1,564 1,686 2,019 2,289 2,502 3,061 

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, 2004-2005 — 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 ............................... $3,157 $1,206 $1,150 $1,276 $1,699 $2,046 $2,364 $2,926 $4,335 

Vehicle finance charges ............................. 469 1114 114 110 220 275 423 524 619 

Maintenance and repairs ........................... 825 465 368 487 560 525 560 755 1,102 

Vehicle insurance ....................................... 1,283 495 560 576 754 975 1,125 1,216 1,663 

Vehicle rental, leases, licenses, and other

charges .................................................... 580 132 107 103 164 272 257 431 951 

Public transportation .................................... 503 190 86 152 126 254 198 309 846 

Healthcare ...................................................... 2,721 944 881 1,158 1,290 1,770 2,377 2,943 3,532 

Health insurance .......................................... 1,450 595 494 526 708 983 1,311 1,686 1,812 

Medical services .......................................... 735 151 139 285 282 392 573 767 1,027 

Drugs ........................................................... 419 142 226 305 244 319 406 384 529 

Medical supplies .......................................... 117 155 122 143 57 76 86 106 164 

Entertainment ................................................. 3,031 1,006 968 1,111 1,238 1,742 1,864 2,526 4,505 

Fees and admissions ................................... 841 165 116 91 190 326 393 560 1,434 

Audio and visual equipment and services .... 1,065 571 586 595 633 741 880 969 1,394 

Pets, toys, hobbies, and playground

equipment .................................................. 519 150 218 184 251 398 387 504 696 

Other entertainment supplies, equipment,

and services ............................................... 605 120 49 241 164 277 204 493 981 

Personal care products and services ............. 735 408 335 369 496 453 490 630 1,008 

Reading .......................................................... 137 31 36 39 45 75 85 101 214 

Education ....................................................... 1,454 263 258 440 301 365 563 813 2,588 

Tobacco products and smoking supplies ....... 353 330 478 360 340 487 455 357 296 

Miscellaneous ................................................ 817 521 494 389 361 509 574 687 1,145 

Cash contributions ......................................... 1,403 234 244 325 487 662 828 999 2,257 

Personal insurance and pensions .................. 7,254 725 877 1,295 1,908 3,028 3,979 5,654 11,815 

Life and other personal insurance ................ 506 180 125 152 122 236 268 409 807 

Pensions and Social Security ...................... 6,747 646 752 1,143 1,787 2,792 3,711 5,246 11,008 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,485 2,177 12,550 17,367 25,074 35,149 44,664 59,712 122,191 

Wages and salaries ..................................... 68,332 4,747 8,267 12,665 20,678 30,440 39,456 54,679 109,489 

Self-employment income ............................. 4,468 1-5,619 1530 1657 790 1,552 2,038 2,165 8,438 

Social Security, private and government

retirement ................................................... 1,792 1672 1,419 1,364 1,475 1,587 1,791 1,662 2,077 

Interest, dividends, rental income, other

property income ......................................... 650 1206 128 117 44 105 159 232 1,274 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 288 155 1277 1154 495 464 331 279 233 

Public assistance, supplemental security

income, food stamps .................................. 335 1,338 1,443 1,808 848 407 239 140 72 

Regular contributions for support ................. 456 467 403 556 527 509 546 456 407 

Other income ............................................... 164 1311 1183 1146 217 184 1103 98 201 

Personal taxes ............................................... 2,583 -362 -740 -667 -863 -292 186 1,033 5,648 

Federal income taxes ................................... 1,716 -395 -742 -720 -947 -570 -156 523 4,075 

State and local income taxes ....................... 682 7 -18 36 33 185 221 370 1,275 

Other taxes .................................................. 186 127 120 118 52 93 121 141 297 

Income after taxes ......................................... 73,902 2,539 13,290 18,034 25,937 35,440 44,478 58,679 116,543 

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, 2004-2005 — 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 ........ - $18,152 - $177 - $2,761 - $2,721 - $6,804 - $9,087 - $12,069 - $10,851 - $29,828 

Net change in total assets ............................ 11,806 5,840 -143 -2,446 -180 5,475 7,491 10,561 19,106 

Net change in total liabilities ........................ 29,958 6,017 2,618 275 6,623 14,562 19,560 21,412 48,933 

Other financial information:

Other money receipts ................................... 418 141 1319 128 177 1274 98 273 702 

Mortgage principal paid on owned

property ...................................................... -3,142 -719 -464 -396 -681 -1,353 -1,587 -2,221 -5,238 

Estimated market value of owned home ...... 192,466 78,276 30,496 37,078 56,190 77,109 105,248 158,383 305,345 

Estimated monthly rental value of owned

home .......................................................... 1,023 435 271 283 387 492 626 920 1,529 

Gifts of goods and services ............................ 1,033 398 383 392 360 597 442 817 1,590 

Food ............................................................. 105 154 18 110 26 36 51 63 179 

Alcoholic beverages ..................................... 17 3 ( ) 111 12 11 17 115 7 30 

Housing ........................................................ 234 183 185 76 95 134 124 190 345 

Housekeeping supplies .............................. 53 15 13 16 19 38 15 53 79 

Household textiles ...................................... 18 12 3 ( ) 11 120 2 ( ) 16 32 23 

Appliances and miscellaneous

housewares .............................................. 34 3 ( ) 11 19 18 17 154 9 57 

Major appliances ...................................... 16 3 ( ) 3 ( ) 3 ( ) 3 ( ) 3 ( ) 149 13 26 

Small appliances and miscellaneous

housewares ............................................ 17 3 ( ) 11 19 18 17 14 16 31 

Miscellaneous household equipment ......... 56 18 15 128 31 41 21 64 76 

Other housing ............................................ 73 168 1176 132 116 48 28 33 111 

Apparel and services ................................... 271 77 133 96 178 181 120 283 366 

Males, 2 and over ...................................... 65 125 131 117 115 61 22 85 84 

Females, 2 and over .................................. 105 136 146 111 58 46 31 111 152 

Children under 2 ........................................ 52 116 135 136 64 43 42 49 60 

Other apparel products and services ......... 49 3 ( ) 121 131 140 131 124 38 70 

Jewelry and watches ................................ 13 3 ( ) 2 ( ) 3 ( ) 17 111 19 13 21 

All other apparel products and services ... 36 3 ( ) 121 131 133 120 115 36 49 

Transportation .............................................. 57 2 ( ) 3 ( ) 123 113 1108 37 15 85 

Health care ................................................... 18 12 11 12 16 13 19 121 28 

Entertainment ............................................... 68 15 132 123 110 42 34 51 108 

Toys, games, arts and crafts, and

tricycles .................................................... 19 11 15 114 18 120 111 17 26 

Other entertainment ................................... 49 13 128 19 12 22 123 33 82 

Personal care products and services ........... 41 125 3 ( ) 3 ( ) 11 14 14 32 67 

Reading ........................................................ 2 ( ) 3 ( ) 3 ( ) 3 ( ) 2 ( ) 3 ( ) 11 2 ( ) 2 ( )

Education ..................................................... 161 12 11 147 19 131 120 83 309 

All other gifts ................................................ 61 1152 110 1112 111 41 18 73 73 

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.