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

Consumer Expenditure Survey, 2007-2008

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) ....... 16,505 389 375 456 1,243 1,241 1,477 2,916 8,408 

Consumer unit characteristics: 

Income before taxes ..................................... $87,146 - $1,078 $12,756 $17,563 $24,809 $35,023 $44,737 $59,651 $132,214 

Income after taxes ........................................ 85,047 -629 14,234 18,763 26,032 36,037 45,316 59,202 127,665 

Age of reference person ................................ 41.1 37.3 37.5 36.8 38.6 38.6 40.8 40.6 42.6 

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 2.0 2.0 1.8 1.7 1.6 1.6 1.5 

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

Earners ........................................................ 2.0 .9 1.0 1.2 1.4 1.6 1.8 2.1 2.2 

Vehicles ....................................................... 2.5 1.3 1.2 1.3 1.7 1.9 2.2 2.5 2.9 

Percent distribution:

Sex of reference person:

Male ............................................................. 45 24 19 22 33 43 44 44 51 

Female ......................................................... 55 76 81 78 67 57 56 56 49 

Housing tenure:

Homeowner .................................................. 76 36 34 36 43 54 64 76 92 

With mortgage ............................................ 64 28 14 22 28 40 45 64 83 

Without mortgage ....................................... 12 8 20 14 15 14 19 13 9 

Renter .......................................................... 24 64 66 64 57 46 36 24 8 

Race of reference person:

Black or African-American ........................... 12 32 25 26 19 15 17 10 7 

White, Asian, and all other races ................. 88 68 75 74 81 85 83 90 93 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 17 25 38 41 34 31 22 19 9 

Not Hispanic or Latino .................................. 83 75 62 59 66 69 78 81 91 

Education of reference person:

Elementary (1-8) .......................................... 4 7 10 7 12 11 5 3 1 

High school (9-12) ........................................ 32 48 54 66 52 49 40 40 19 

College ......................................................... 64 43 35 27 35 40 54 56 80 

Never attended and other ............................ 3 ( ) 1 3 ( ) 4 ( ) 1 3 ( ) 1 3 ( ) 4 ( )

At least one vehicle owned or leased ............ 95 73 74 82 90 93 95 96 99 

Average annual expenditures .......................... $66,212 $31,290 $25,907 $25,890 $33,206 $39,849 $43,448 $53,650 $88,846 

Food ............................................................... 8,918 5,028 5,250 4,539 5,735 6,476 6,721 7,556 11,152 

Food at home ............................................... 5,121 3,597 3,807 3,257 3,900 4,520 4,204 4,533 5,968 

Cereals and bakery products ..................... 703 505 508 410 476 621 539 643 830 

Cereals and cereal products .................... 230 203 182 172 179 233 181 225 253 

Bakery products ....................................... 474 302 326 238 297 387 358 418 577 

Meats, poultry, fish, and eggs .................... 1,149 859 898 864 1,058 1,102 1,061 1,030 1,265 

Beef .......................................................... 321 206 278 186 307 338 284 271 359 

Pork .......................................................... 225 198 157 171 229 209 212 229 237 

Other meats ............................................. 159 157 113 85 136 161 143 139 178 

Poultry ...................................................... 221 137 177 210 203 204 226 206 236 

Fish and seafood ..................................... 160 105 112 144 114 125 131 125 192 

Eggs ......................................................... 63 56 62 68 69 64 65 59 64 

Dairy products ............................................ 591 439 445 332 424 520 496 523 693 

Fresh milk and cream .............................. 244 218 237 153 207 248 194 219 271 

Other dairy products ................................ 348 221 209 179 217 273 303 304 422 

Fruits and vegetables ................................. 857 628 670 594 669 784 664 744 998 

Fresh fruits ............................................... 283 204 197 188 218 256 223 234 336 

Fresh vegetables ..................................... 265 188 202 204 208 214 186 223 317 

Processed fruits ....................................... 168 123 136 99 124 154 129 156 195 

Processed vegetables .............................. 141 113 135 102 119 160 126 131 151 

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, 2007-2008 — 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 .................................... $1,820 $1,166 $1,285 $1,057 $1,273 $1,494 $1,445 $1,593 $2,182 

Sugar and other sweets ........................... 173 129 104 127 122 129 143 157 205 

Fats and oils ............................................. 129 90 125 78 102 134 110 129 141 

Miscellaneous foods ................................ 974 580 651 525 637 748 799 851 1,184 

Nonalcoholic beverages ........................... 489 340 398 324 398 463 367 425 568 

Food prepared by consumer unit on

out-of-town trips ..................................... 54 226 28 23 213 221 26 32 84 

Food away from home ................................. 3,797 1,431 1,443 1,282 1,835 1,955 2,516 3,022 5,184 

Alcoholic beverages ....................................... 429 2219 2108 161 153 229 191 328 610 

Housing .......................................................... 22,451 13,671 10,295 11,099 12,490 14,602 15,508 18,429 29,244

Shelter .......................................................... 13,130 8,804 5,477 6,623 6,937 8,617 9,365 10,466 17,191 

Owned dwellings ........................................ 10,085 3,830 1,436 2,038 2,761 4,190 5,615 7,727 14,752 

Mortgage interest and charges ................ 6,591 2,752 2684 1,376 1,873 2,798 3,629 5,254 9,556 

Property taxes .......................................... 2,312 933 459 385 568 920 1,232 1,631 3,453 

Maintenance, repairs, insurance, other

expenses ................................................ 1,181 2145 2294 276 320 473 754 842 1,743 

Rented dwellings ........................................ 2,328 4,780 3,889 4,558 4,102 4,295 3,393 2,432 1,248 

Other lodging ............................................. 717 2194 2152 227 75 132 358 306 1,191 

Utilities, fuels, and public services ............... 4,558 3,001 3,096 2,969 3,378 3,734 3,963 4,341 5,258 

Natural gas ................................................. 644 382 273 206 405 488 486 566 810 

Electricity .................................................... 1,702 1,228 1,453 1,438 1,435 1,499 1,508 1,637 1,875 

Fuel oil and other fuels ............................... 168 222 236 249 85 2106 126 135 227 

Telephone services .................................... 1,462 1,055 892 928 1,064 1,185 1,327 1,479 1,654 

Water and other public services ................. 582 314 442 347 388 456 517 524 693 

Household operations .................................. 1,734 286 623 382 536 715 726 1,296 2,579 

Personal services ....................................... 1,027 263 2267 2214 295 440 372 859 1,518 

Other household expenses ........................ 706 223 357 168 241 276 353 437 1,061 

Housekeeping supplies ................................ 842 498 412 454 549 558 532 642 1,099 

Laundry and cleaning supplies .................. 197 178 144 130 148 171 193 159 229 

Other household products .......................... 466 236 220 202 278 295 236 349 630 

Postage and stationery .............................. 178 84 248 2122 123 91 103 134 239 

Household furnishings and equipment ......... 2,187 1,081 687 671 1,090 978 921 1,683 3,117 

Household textiles ...................................... 189 2148 87 49 101 65 116 80 284 

Furniture ..................................................... 554 427 174 115 295 219 248 369 806 

Floor coverings .......................................... 63 279 24 28 210 23 28 44 102 

Major appliances ........................................ 290 221 257 2106 162 229 137 238 386 

Small appliances, miscellaneous

housewares .............................................. 124 31 35 28 53 94 67 90 175 

Miscellaneous household equipment ......... 966 174 330 364 469 369 346 863 1,365 

Apparel and services ..................................... 2,678 2,128 1,625 1,275 2,086 2,220 1,508 1,828 3,463 

Men and boys .............................................. 619 549 383 238 427 439 369 472 801 

Men, 16 and over ....................................... 404 2239 2161 297 252 258 226 244 566 

Boys, 2 to 15 .............................................. 215 310 222 141 175 181 143 228 235 

Women and girls .......................................... 1,012 506 458 439 725 965 494 625 1,353 

Women, 16 and over .................................. 726 324 200 268 537 648 279 440 1,000 

Girls, 2 to 15 ............................................... 287 182 258 171 188 317 215 185 353 

Children under 2 .......................................... 177 167 272 115 220 163 168 138 187 

Footwear ...................................................... 515 489 2325 279 528 539 305 406 604 

Other apparel products and services ........... 355 417 186 203 186 115 171 188 518 

Transportation ................................................ 11,583 3,628 3,469 4,161 5,548 7,653 8,294 10,733 15,060 

Vehicle purchases (net outlay) ..................... 3,938 2409 2441 21,351 1,467 2,999 2,645 3,814 5,171 

Cars and trucks, new ................................. 1,757 4 ( ) 4 ( ) 4 ( ) 2254 2871 2955 1,250 2,681 

Cars and trucks, used ................................ 2,018 2349 2441 1,351 1,212 1,998 1,602 2,204 2,333 

Other vehicles ............................................ 163 261 4 ( ) 4 ( ) 4 ( ) 2129 288 359 157 

Gasoline and motor oil ................................. 3,584 1,997 1,671 1,820 2,250 2,776 3,105 3,480 4,275 

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, 2007-2008 — 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 ............................... $3,467 $901 $1,154 $793 $1,612 $1,733 $2,353 $3,138 $4,676 

Vehicle finance charges ............................. 479 246 148 124 164 291 375 521 601 

Maintenance and repairs ........................... 936 370 275 347 540 527 655 767 1,250 

Vehicle insurance ....................................... 1,373 290 2598 2200 2635 2675 2852 1,440 1,811 

Vehicle rental, leases, licenses, and other

charges .................................................... 681 195 133 122 272 239 470 410 1,014 

Public transportation .................................... 593 321 202 198 221 145 192 301 937 

Healthcare ...................................................... 3,093 1,491 1,003 746 1,287 1,761 2,512 2,858 4,034 

Health insurance .......................................... 1,692 712 2425 476 698 1,058 1,424 1,631 2,168 

Medical services .......................................... 866 584 333 177 296 350 664 730 1,184 

Drugs ........................................................... 415 167 189 69 220 289 328 399 523 

Medical supplies .......................................... 119 228 256 225 73 64 95 99 158 

Entertainment ................................................. 3,750 1,642 1,214 919 1,412 1,657 2,087 2,810 5,377 

Fees and admissions ................................... 1,011 333 311 71 172 205 407 481 1,653 

Audio and visual equipment and services .... 1,286 851 678 591 689 798 933 1,124 1,648 

Pets, toys, hobbies, and playground

equipment .................................................. 825 287 158 176 439 413 398 558 1,193 

Other entertainment supplies, equipment,

and services ............................................... 628 2172 267 281 112 240 349 647 883 

Personal care products and services ............. 780 361 264 283 377 534 399 617 1,066 

Reading .......................................................... 123 56 247 26 38 31 75 84 184 

Education ....................................................... 1,555 805 603 306 325 443 542 800 2,486 

Tobacco products and smoking supplies ....... 343 365 528 299 507 374 361 439 270 

Miscellaneous ................................................ 940 391 2149 531 555 464 464 721 1,307 

Cash contributions ......................................... 1,711 724 321 393 794 602 1,021 1,208 2,484 

Personal insurance and pensions .................. 7,858 779 1,031 1,152 1,900 2,802 3,767 5,239 12,108 

Life and other personal insurance ................ 406 2149 261 270 115 142 195 256 623 

Pensions and Social Security ...................... 7,452 629 969 1,082 1,785 2,660 3,572 4,983 11,485 

Sources of income and personal taxes: 

Money income before taxes ........................... 87,146 -1,078 12,756 17,563 24,809 35,023 44,737 59,651 132,214 

Wages and salaries ..................................... 78,294 5,200 7,556 12,729 20,230 30,229 39,346 54,678 119,096 

Self-employment income ............................. 4,697 2-9,065 2167 2572 202 1,198 1,706 1,441 8,595 

Social Security, private and government

retirement ................................................... 1,769 2371 21,637 21,410 2,024 1,735 2,328 2,112 1,608 

Interest, dividends, rental income, other

property income ......................................... 965 2159 26 210 225 96 106 262 1,759 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 192 225 2297 2241 2158 295 298 225 153 

Public assistance, supplemental security

income, food stamps .................................. 393 1,414 2,102 1,582 1,320 766 300 191 99 

Regular contributions for support ................. 658 2239 2768 842 691 564 503 553 735 

Other income ............................................... 179 2579 2223 2178 2159 2139 2151 189 169 

Personal taxes ............................................... 2,099 -449 -1,478 -1,200 -1,223 -1,014 -579 449 4,549 

Federal income taxes ................................... 1,792 30 -1,166 -800 -947 -602 -301 513 3,715 

2008 Tax stimulus (new UCC Q20082) ....... -572 2-455 2-294 2-522 -392 -571 -586 -563 -620 

State and local income taxes ....................... 656 2-48 -45 12 65 76 175 380 1,108 

Other taxes .................................................. 224 224 227 2109 50 83 132 119 347 

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, 2007-2008 — Continued

Item

Total

four

persons

Less

than

$10,000

$10,000

to

$14,999

$15,000

to

$19,999

$20,000

to

$29,999

$30,000

to

$39,999

$40,000

to

$49,999

$50,000

to

$69,999

$70,000

and

more

Income after taxes ......................................... 85,047 -629 14,234 18,763 26,032 36,037 45,316 59,202 127,665 

Addenda:

Net change in total assets and liabilities ........ - $6,540 - $7,514 $2,768 - $5,804 $1,764 - $2,842 - $6,205 - $8,702 - $8,032 

Net change in total assets ............................ 14,821 3,117 22,276 -120 8,800 7,323 10,637 8,318 21,719 

Net change in total liabilities ........................ 21,360 10,631 -492 5,685 7,036 10,164 16,841 17,020 29,750 

Other financial information:

Other money receipts ................................... 552 2704 2261 2638 2258 272 168 111 887 

Mortgage principal paid on owned property -3,512 -1,150 2-445 -308 -572 -985 -1,926 -2,044 -5,527 

Estimated market value of owned home ...... 218,373 83,947 43,641 38,629 58,590 86,612 123,433 154,220 324,127 

Estimated monthly rental value of owned

home .......................................................... 1,127 473 278 272 384 542 680 885 1,600 

Gifts of goods and services ............................ 849 251 384 111 288 282 529 570 1,253 

Food ............................................................. 71 243 21 3 ( ) 212 14 33 65 105 

Alcoholic beverages ..................................... 12 4 ( ) 3 ( ) 4 ( ) 23 3 ( ) 3 ( ) 23 21 

Housing ........................................................ 176 297 2115 247 241 74 103 99 262 

Housekeeping supplies .............................. 30 216 213 22 4 ( ) 211 232 24 42 

Household textiles ...................................... 9 4 ( ) 4 ( ) 27 23 22 27 26 12 

Appliances and miscellaneous

housewares .............................................. 25 223 4 ( ) 4 ( ) 24 224 29 226 34 

Major appliances ...................................... 7 223 4 ( ) 4 ( ) 23 3 ( ) 21 24 11 

Small appliances and miscellaneous

housewares ............................................ 18 3 ( ) 4 ( ) 4 ( ) 3 ( ) 223 28 222 23 

Miscellaneous household equipment ......... 51 217 217 28 29 22 29 22 85 

Other housing ............................................ 62 241 286 230 225 235 246 222 89 

Apparel and services ................................... 191 250 2169 247 159 73 123 170 247 

Males, 2 and over ...................................... 42 210 290 22 232 221 28 37 55 

Females, 2 and over .................................. 55 4 ( ) 227 29 28 28 239 46 80 

Children under 2 ........................................ 68 222 242 232 49 228 56 52 89 

Other apparel products and services ......... 26 218 210 25 270 216 219 234 23 

Jewelry and watches ................................ 5 218 4 ( ) 22 212 21 22 24 5 

All other apparel products and services ... 21 4 ( ) 210 23 257 215 217 230 18 

Transportation .............................................. 48 29 24 6 7 10 113 13 67 

Healthcare .................................................... 8 4 ( ) 4 ( ) 4 ( ) 21 24 22 21 13 

Entertainment ............................................... 93 222 211 22 27 246 243 51 146 

Toys, games, arts and crafts, and tricycles 40 215 21 3 ( ) 3 ( ) 220 228 235 58 

Other entertainment ................................... 53 27 210 21 26 226 215 17 88 

Personal care products and services ........... 12 220 4 ( ) 21 4 ( ) 4 ( ) 21 24 20 

Reading ........................................................ 1 22 4 ( ) 21 4 ( ) 4 ( ) 21 3 ( ) 1 

Education ..................................................... 172 26 272 3 ( ) 240 25 236 141 273 

All other gifts ................................................ 66 21 211 27 217 55 73 22 98 

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