John Kerry's near-billionaire wife, Teresa, reported more than $5 million in total income last year but paid only 12.5 percent in federal taxes — less than the average middle-class family — according to documents released yesterday by his campaign. Teresa Heinz (that's the legal name on the tax return, NOT HEINZ KERRY )reported a total income of $5,072,533. She paid $628,401 in federal taxes, or a rate of 12.47 percent. The average middle-class family pays more than 20 percent. George and Laura Bush pay 30.4% of their income to taxes.