Table 38. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005

Item

Total

three

persons

Less

than

$5,000

$5,000

to

$9,999

$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) ....... 18,078 290 469 735 827 1,808 1,937 1,779 3,249 6,984 

Consumer unit characteristics: 

Income before taxes ..................................... $70,622 - $2,947 $7,824 $12,781 $17,410 $25,187 $34,884 $44,817 $59,337 $123,774 

Income after taxes ........................................ 67,846 -2,440 8,153 13,296 18,130 25,606 34,634 44,018 57,573 117,391 

Age of reference person ................................ 43.8 39.2 39.1 41.0 39.7 41.2 42.7 43.9 44.1 45.9 

Average number in consumer unit:

Persons ........................................................ 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 

Children under 18 ........................................ .8 1.3 1.3 1.2 1.1 1.0 .8 .8 .7 .6 

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

Earners ........................................................ 1.8 .7 .7 .9 1.1 1.3 1.6 1.8 1.9 2.1 

Vehicles ....................................................... 2.4 1.2 .9 1.2 1.3 1.6 2.0 2.3 2.6 2.9 

Percent distribution:

Sex of reference person:

Male ............................................................. 46 20 20 25 27 36 39 45 51 57 

Female ......................................................... 54 80 80 75 73 64 61 55 49 43 

Housing tenure:

Homeowner .................................................. 70 35 30 33 36 45 58 71 76 90 

With mortgage ............................................ 53 26 7 19 20 26 40 52 57 75 

Without mortgage ....................................... 17 9 23 14 16 19 18 18 19 16 

Renter .......................................................... 30 65 70 67 64 55 42 29 24 10 

Race of reference person:

Black or African-American ........................... 14 36 38 29 26 22 18 12 10 6 

White, Asian, and all other races ................. 86 64 62 71 74 78 82 88 90 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 13 22 26 25 29 21 16 13 10 7 

Not Hispanic or Latino .................................. 87 78 74 75 71 79 84 87 90 93 

Education of reference person:

Elementary (1-8) .......................................... 4 9 7 16 12 9 7 4 3 1 

High school (9-12) ........................................ 37 56 58 52 57 51 49 46 36 21 

College ......................................................... 59 35 34 32 31 39 44 50 61 79 

Never attended and other ............................ 2 ( ) 3 ( ) 1 2 ( ) 2 ( ) 3 ( ) 3 ( ) 3 ( ) 2 ( ) 3 ( )

At least one vehicle owned or leased ............ 93 62 63 73 79 88 91 94 98 98 

Average annual expenditures .......................... $53,429 $29,299 $18,276 $22,372 $23,917 $29,747 $37,671 $41,117 $49,175 $78,907 

Food ............................................................... 7,014 5,177 3,806 4,081 4,652 4,872 5,570 5,842 6,855 9,090 

Food at home ............................................... 3,966 3,501 2,891 3,029 3,216 3,267 3,389 3,420 4,109 4,604 

Cereals and bakery products ..................... 534 479 414 433 439 452 491 483 548 601 

Cereals and cereal products .................... 178 192 186 162 162 169 166 165 168 192 

Bakery products ....................................... 357 287 227 271 277 283 325 318 380 409 

Meats, poultry, fish, and eggs .................... 1,019 1,124 791 878 922 902 909 817 1,075 1,129 

Beef .......................................................... 323 326 301 282 306 260 296 240 384 344 

Pork .......................................................... 205 196 185 204 191 237 190 173 190 218 

Other meats ............................................. 120 166 65 102 112 94 106 95 122 138 

Poultry ...................................................... 185 260 110 158 142 153 187 157 189 204 

Fish and seafood ..................................... 143 128 97 91 118 115 86 111 143 182 

Eggs ......................................................... 44 48 33 41 52 42 45 41 45 44 

Dairy products ............................................ 445 362 283 276 328 355 409 400 466 519 

Fresh milk and cream .............................. 180 177 131 142 149 159 185 176 182 193 

Other dairy products ................................ 265 185 151 134 180 196 224 224 285 326 

Fruits and vegetables ................................. 644 526 389 484 535 509 539 551 629 782 

Fresh fruits ............................................... 207 142 126 149 135 157 159 190 193 262 

Fresh vegetables ..................................... 213 193 116 152 210 160 175 157 210 264 

Processed fruits ....................................... 123 80 74 97 97 100 108 117 128 143 

Processed vegetables .............................. 101 111 72 86 93 93 96 87 98 113 

See footnotes at end of table.
Table 38. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

three

persons

Less

than

$5,000

$5,000

to

$9,999

$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 .................................... $1,324 $1,011 $1,015 $957 $991 $1,049 $1,042 $1,169 $1,391 $1,574 

Sugar and other sweets ........................... 140 107 88 90 91 101 117 128 155 166 

Fats and oils ............................................. 102 81 90 91 112 82 84 95 100 116 

Miscellaneous foods ................................ 679 559 485 477 520 544 498 576 704 825 

Nonalcoholic beverages ........................... 357 244 347 280 262 306 315 342 399 388 

Food prepared by consumer unit on

out-of-town trips ..................................... 45 119 15 120 17 16 27 28 33 78 

Food away from home ................................. 3,048 1,676 915 1,052 1,437 1,605 2,181 2,422 2,746 4,486 

Alcoholic beverages ....................................... 476 1169 197 139 115 168 319 204 445 780 

Housing .......................................................... 16,897 12,583 7,140 8,800 8,844 10,024 12,324 13,250 15,301 24,210 

Shelter .......................................................... 9,599 7,301 3,750 4,902 4,942 5,642 6,977 7,283 8,472 13,997 

Owned dwellings ........................................ 6,743 3,651 848 1,532 1,194 1,975 3,500 4,717 5,898 11,515 

Mortgage interest and charges ................ 3,988 1,917 1350 891 580 1,113 2,044 2,947 3,621 6,766 

Property taxes .......................................... 1,611 921 358 423 352 527 842 1,094 1,365 2,737 

Maintenance, repairs, insurance, other

expenses ................................................ 1,145 813 1140 218 261 335 615 675 912 2,013 

Rented dwellings ........................................ 2,279 3,451 2,855 3,299 3,726 3,585 3,331 2,384 2,270 1,260 

Other lodging ............................................. 577 1199 147 171 122 83 146 183 304 1,222 

Utilities, fuels, and public services ............... 3,599 2,805 2,374 2,496 2,496 2,772 3,114 3,336 3,587 4,383 

Natural gas ................................................. 508 389 302 283 303 351 435 417 499 662 

Electricity .................................................... 1,307 1,209 987 1,113 1,043 1,126 1,183 1,245 1,241 1,512 

Fuel oil and other fuels ............................... 144 182 147 157 82 73 83 161 143 202 

Telephone services .................................... 1,243 850 786 830 827 965 1,090 1,133 1,291 1,503 

Water and other public services ................. 397 274 252 213 241 257 324 380 413 504 

Household operations .................................. 1,025 704 211 353 331 456 546 668 865 1,692 

Personal services ....................................... 536 1371 193 237 200 282 286 360 503 840 

Other household expenses ........................ 489 334 118 116 131 174 261 308 362 853 

Housekeeping supplies ................................ 697 553 389 330 390 377 508 691 703 914 

Laundry and cleaning supplies .................. 175 135 134 154 116 132 163 225 180 186 

Other household products .......................... 353 353 186 142 222 166 236 274 363 487 

Postage and stationery .............................. 169 64 169 35 53 79 109 191 160 241 

Household furnishings and equipment ......... 1,976 1,220 416 718 684 777 1,179 1,272 1,674 3,223 

Household textiles ...................................... 168 1162 135 65 61 71 201 90 133 249 

Furniture ..................................................... 520 310 154 277 140 188 202 297 305 954 

Floor coverings .......................................... 64 177 13 15 12 38 16 33 62 109 

Major appliances ........................................ 228 1175 124 62 93 91 120 155 261 346 

Small appliances, miscellaneous

housewares .............................................. 137 1100 58 32 42 73 117 70 105 216 

Miscellaneous household equipment ......... 859 395 142 277 345 316 522 627 808 1,348 

Apparel and services ..................................... 2,354 1,539 1,146 1,414 1,538 1,714 2,096 1,682 2,104 3,156 

Men and boys .............................................. 535 275 201 318 262 287 466 444 497 738 

Men, 16 and over ....................................... 430 1135 197 217 183 170 392 330 391 629 

Boys, 2 to 15 .............................................. 105 140 104 100 80 118 74 114 106 108 

Women and girls .......................................... 960 472 407 539 533 725 772 664 934 1,290 

Women, 16 and over .................................. 821 329 312 431 420 535 669 533 818 1,134 

Girls, 2 to 15 ............................................... 139 144 95 108 113 190 103 131 116 156 

Children under 2 .......................................... 148 1184 162 130 164 134 152 99 122 172 

Footwear ...................................................... 418 1488 1278 302 442 382 529 338 374 453 

Other apparel products and services ........... 293 120 97 126 136 186 178 137 176 503 

Transportation ................................................ 10,158 4,278 2,830 3,758 3,855 6,144 7,782 8,589 10,003 14,478 

Vehicle purchases (net outlay) ..................... 4,504 11,430 1864 11,154 1,273 2,863 3,524 3,729 4,473 6,518 

Cars and trucks, new ................................. 2,248 1978 1298 1170 3 ( ) 1748 1,023 880 2,163 4,032 

Cars and trucks, used ................................ 2,175 1453 566 982 1,249 2,002 2,501 2,779 2,183 2,386 

Other vehicles ............................................ 81 3 ( ) 3 ( ) 11 125 1112 3 ( ) 171 1128 100 

Gasoline and motor oil ................................. 2,263 1,198 912 1,338 1,271 1,618 1,900 2,138 2,408 2,845 

See footnotes at end of table.
Table 38. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

three

persons

Less

than

$5,000

$5,000

to

$9,999

$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 ............................... $2,889 $1,333 $953 $1,149 $1,211 $1,513 $2,160 $2,472 $2,811 $4,164 

Vehicle finance charges ............................. 412 1144 170 131 137 199 310 426 452 571 

Maintenance and repairs ........................... 780 451 458 376 344 376 617 650 717 1,120 

Vehicle insurance ....................................... 1,170 474 336 531 589 766 954 1,094 1,217 1,553 

Vehicle rental, leases, licenses, and other

charges .................................................... 527 264 89 111 141 172 279 302 425 920 

Public transportation .................................... 502 1317 101 117 99 150 198 249 311 952 

Healthcare ...................................................... 2,852 942 770 934 1,055 1,840 2,204 2,743 2,904 3,927 

Health insurance .......................................... 1,463 410 392 459 462 977 1,147 1,475 1,567 1,964 

Medical services .......................................... 773 1299 137 156 282 450 507 657 681 1,187 

Drugs ........................................................... 501 203 206 299 275 367 493 469 541 603 

Medical supplies .......................................... 116 130 134 120 36 46 58 143 114 173 

Entertainment ................................................. 2,499 1,659 754 1,071 1,024 1,132 1,663 2,005 2,266 3,784 

Fees and admissions ................................... 598 410 106 91 105 157 224 329 413 1,122 

Audio and visual equipment and services .... 1,010 649 456 647 579 624 781 835 1,001 1,364 

Pets, toys, hobbies, and playground

equipment .................................................. 462 204 121 189 245 220 410 387 443 652 

Other entertainment supplies, equipment,

and services ............................................... 429 397 71 144 94 131 248 454 409 646 

Personal care products and services ............. 639 386 289 342 349 327 440 552 550 931 

Reading .......................................................... 127 38 35 29 27 54 63 88 116 210 

Education ....................................................... 1,143 541 307 238 192 336 413 375 733 2,228 

Tobacco products and smoking supplies ....... 382 256 329 385 412 394 423 413 443 336 

Miscellaneous ................................................ 811 717 355 234 314 312 594 582 737 1,244 

Cash contributions ......................................... 1,540 288 109 225 324 569 817 978 1,319 2,668 

Personal insurance and pensions .................. 6,538 726 309 723 1,217 1,862 2,966 3,815 5,398 11,865 

Life and other personal insurance ................ 466 1156 163 117 130 140 196 287 355 838 

Pensions and Social Security ...................... 6,073 570 245 606 1,087 1,721 2,769 3,528 5,044 11,027 

Sources of income and personal taxes: 

Money income before taxes ........................... 70,622 -2,947 7,824 12,781 17,410 25,187 34,884 44,817 59,337 123,774 

Wages and salaries ..................................... 60,347 3,321 3,083 7,165 11,831 19,725 28,989 38,183 51,334 106,949 

Self-employment income ............................. 4,162 1-7,938 1-97 1202 1670 665 1,129 1,214 2,521 9,041 

Social Security, private and government

retirement ................................................... 3,677 1380 1,398 2,213 2,364 2,927 3,416 4,305 3,847 4,304 

Interest, dividends, rental income, other

property income ......................................... 1,065 1-228 15 16 122 45 152 154 387 2,489 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 272 161 187 1185 589 198 274 262 330 259 

Public assistance, supplemental security

income, food stamps .................................. 404 675 2,512 2,004 1,106 860 301 171 173 76 

Regular contributions for support ................. 543 1177 573 737 634 604 560 468 613 491 

Other income ............................................... 152 1604 1263 1270 1195 162 163 159 132 164 

Personal taxes ............................................... 2,776 -507 -329 -515 -719 -419 250 799 1,764 6,383 

Federal income taxes ................................... 1,918 -558 -368 -548 -769 -548 34 343 1,126 4,682 

State and local income taxes ....................... 680 1-33 11 17 19 74 145 282 461 1,411 

Other taxes .................................................. 178 183 129 116 31 54 71 174 177 289 

Income after taxes ......................................... 67,846 -2,440 8,153 13,296 18,130 25,606 34,634 44,018 57,573 117,391 

See footnotes at end of table.
Table 38. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer

Expenditure Survey, 2004-2005 — Continued

Item

Total

three

persons

Less

than

$5,000

$5,000

to

$9,999

$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 ........ - $6,098 - $11,820 $848 - $4,878 $8,957 $292 - $6,959 - $9,098 - $5,631 - $9,106 

Net change in total assets ............................ 15,359 603 584 2,594 9,280 2,640 4,034 10,647 14,327 27,139 

Net change in total liabilities ........................ 21,457 12,423 -264 7,472 323 2,348 10,992 19,745 19,958 36,245 

Other financial information:

Other money receipts ................................... 681 11 151 1102 133 240 204 110 394 1,414 

Mortgage principal paid on owned

property ...................................................... -2,324 -920 1-245 -426 -323 -530 -936 -1,492 -2,149 -4,101 

Estimated market value of owned home ...... 166,317 87,814 33,353 35,391 42,502 58,337 78,872 110,468 138,156 286,467 

Estimated monthly rental value of owned

home .......................................................... 884 388 232 265 254 366 514 669 793 1,422 

Gifts of goods and services ............................ 1,362 267 208 455 893 441 670 533 1,021 2,436 

Food ............................................................. 131 17 13 19 139 19 48 44 78 265 

Alcoholic beverages ..................................... 15 3 ( ) 14 12 116 113 18 14 6 25 

Housing ........................................................ 298 1111 160 118 111 124 171 125 228 514 

Housekeeping supplies .............................. 54 110 15 116 119 26 24 31 47 88 

Household textiles ...................................... 18 12 3 ( ) 3 ( ) 118 17 118 18 23 25 

Appliances and miscellaneous

housewares .............................................. 31 3 ( ) 14 16 113 18 129 116 13 56 

Major appliances ...................................... 8 3 ( ) 13 3 ( ) 16 14 13 15 12 17 

Small appliances and miscellaneous

housewares ............................................ 22 3 ( ) 2 ( ) 16 17 15 126 111 11 40 

Miscellaneous household equipment ......... 64 18 11 150 115 31 19 22 92 94 

Other housing ............................................ 131 191 150 146 45 52 81 48 54 249 

Apparel and services ................................... 255 156 98 190 536 210 203 173 217 320 

Males, 2 and over ...................................... 64 16 154 56 169 29 65 43 58 86 

Females, 2 and over .................................. 84 18 116 161 172 102 27 61 77 105 

Children under 2 ........................................ 57 141 117 55 65 47 47 43 56 70 

Other apparel products and services ......... 49 11 110 118 1230 132 163 126 27 59 

Jewelry and watches ................................ 13 11 110 12 111 12 12 15 5 26 

All other apparel products and services ... 36 3 ( ) 3 ( ) 116 1219 130 161 121 122 32 

Transportation .............................................. 81 123 3 ( ) 121 199 8 18 12 118 130 

Health care ................................................... 38 2 ( ) 14 154 13 15 18 118 70 50 

Entertainment ............................................... 80 17 127 133 126 29 37 42 67 138 

Toys, games, arts and crafts, and

tricycles .................................................... 27 15 16 113 111 110 12 22 23 44 

Other entertainment ................................... 54 11 121 120 115 19 24 20 44 95 

Personal care products and services ........... 21 16 3 ( ) 118 155 8 11 13 17 33 

Reading ........................................................ 1 3 ( ) 3 ( ) 3 ( ) 3 ( ) 2 ( ) 2 ( ) 2 ( ) 11 1 

Education ..................................................... 364 154 15 11 14 17 197 130 151 832 

All other gifts ................................................ 78 12 16 110 13 18 58 82 68 128 

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.