Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1988-89 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 11728 567 914 949 862 1815 1628 4995 Number of sample interviews............... 8901 360 610 639 644 1316 1265 4067 Income before taxes 1/.................... 40999 456 7576 12467 17531 24737 34517 69199 Income after taxes 1/..................... 36967 587 7468 11963 16139 22852 31387 61779 Average number of persons in cons. unit... 2.9 2.4 2.5 2.5 2.7 2.8 3 3.2 Age of reference person................... 49.2 49.9 48.8 49.4 49.5 49.1 49 49.1 Average number of: Earners.................................. 2 1.2 1.1 1.3 1.7 1.9 2.1 2.4 Vehicles................................. 2.7 1.5 1.2 1.4 1.8 2.4 2.8 3.6 Children under 18........................ 0.6 0.6 0.6 0.7 0.6 0.6 0.7 0.6 Persons 65 and over...................... 0 0 0 0 0.1 0 0 0 Percent distribution: Male..................................... 69 49 44 54 55 60 70 85 Female................................... 31 51 56 46 45 40 30 15 Homeowner with mortgage.................. 57 31 17 25 35 52 62 76 Homeowner without mortgage............... 17 26 25 21 24 17 15 14 Renter................................... 26 43 58 54 41 30 23 10 Black.................................... 12 20 22 17 15 15 9 7 White and other.......................... 88 80 78 83 85 85 91 93 Elementary (1-8)......................... 8 9 24 23 10 8 6 2 High school (9-12)....................... 47 61 60 54 62 53 47 37 College.................................. 44 31 12 22 26 39 47 60 Never attended and other................. 1 0 4 1 2 1 0 0 At least one vehicle owned................ 91 72 68 80 85 93 98 98 Average annual expenditures............... 35572 19331 13181 16271 21040 26330 33498 51411 Food..................................... 5211 2991 2607 3148 3882 4133 5152 6814 Food at home............................ 2848 2027 1845 2129 2272 2361 2986 3421 Cereals and bakery products............ 410 296 268 321 344 336 424 490 Cereals and cereal products........... 139 122 100 123 127 116 141 158 Bakery products....................... 271 175 168 198 217 220 283 332 Meats, poultry, fish, and eggs......... 765 529 503 575 612 632 840 905 Beef.................................. 255 160 135 176 224 198 300 304 Pork.................................. 156 121 125 141 123 124 161 183 Other meats........................... 116 56 65 139 84 108 141 127 Poultry............................... 119 74 92 55 81 96 108 155 Fish and seafood...................... 80 72 47 28 62 65 87 99 Eggs.................................. 39 47 39 35 37 41 43 38 Dairy products......................... 351 250 241 285 275 319 367 408 Fresh milk and cream.................. 164 154 119 160 145 171 180 170 Other dairy products.................. 187 96 122 126 131 149 187 238 Fruits and vegetables.................. 467 352 317 328 380 382 500 556 Fresh fruits.......................... 142 106 115 96 101 115 139 175 Fresh vegetables...................... 143 130 92 111 115 110 154 170 Processed fruits...................... 105 59 70 66 87 90 121 123 Processed vegetables.................. 76 58 39 55 77 66 86 87 Other food at home..................... 855 599 517 619 661 693 855 1062 Sugar and other sweets................ 101 60 79 77 75 83 110 119 Fats and oils......................... 71 61 46 59 73 60 69 82 Miscellaneous foods................... 355 241 192 253 253 259 382 448 Nonalcoholic beverages................ 284 210 188 215 238 265 257 340 Food prep. by cu, out-of-town trips... 45 27 12 16 21 26 37 73 Food away from home..................... 2363 964 761 1019 1610 1772 2165 3393 Alcoholic beverages...................... 324 279 130 167 117 300 374 414 Housing.................................. 10169 7235 4501 5503 6673 8087 9112 14089 Shelter................................. 5612 4443 2488 2976 3557 4350 5063 7808 Owned dwellings........................ 3654 2412 728 880 1447 2482 3086 5849 Mortgage interest..................... 2300 1496 371 487 810 1306 1796 3871 Property taxes........................ 732 403 146 230 297 554 730 1111 Maintenance, rep., ins., oth. exp..... 622 514 211 162 340 621 560 867 Rented dwellings....................... 1213 1413 1633 2035 1851 1472 1264 737 Other lodging.......................... 744 618 127 62 259 395 713 1222 Utilities, fuels, and public services... 2202 1750 1475 1538 1773 1998 2100 2693 Natural gas............................ 287 156 223 209 245 239 275 357 Electricity............................ 888 695 584 605 683 787 827 1112 Fuel oil and other fuels............... 110 104 68 47 92 139 111 123 Telephone.............................. 689 613 438 521 597 652 668 811 Water and other public services........ 227 183 161 156 155 181 219 290 Household operations.................... 357 270 50 93 107 149 214 639 Personal services...................... 79 37 6 12 17 37 18 156 Other household expenses............... 278 233 44 80 90 111 196 483 Housekeeping supplies................... 498 216 171 334 401 475 421 655 Laundry and cleaning supplies.......... 138 77 60 109 134 125 143 164 Other household products............... 211 55 73 135 144 203 161 292 Postage and stationery................. 149 84 38 89 123 146 117 199 Household furnishings and equipment..... 1500 556 316 562 836 1116 1313 2294 Household textiles..................... 144 20 49 108 70 82 108 227 Furniture.............................. 422 171 50 197 338 223 328 678 Floor coverings........................ 124 3 6 43 67 73 100 207 Major appliances....................... 191 99 56 41 98 162 194 279 Small appliances, misc. housewares..... 86 30 27 41 37 43 90 132 Miscellaneous household equipment...... 534 234 128 131 224 533 493 771 Apparel and services..................... 2120 799 856 1147 1319 1400 2164 3006 Men and boys............................ 538 173 217 313 261 320 472 814 Men, 16 and over....................... 448 137 161 185 240 265 401 687 Boys, 2 to 15.......................... 90 36 56 128 22 54 72 127 Women and girls......................... 898 331 328 487 532 596 927 1271 Women, 16 and over..................... 784 221 281 384 501 510 817 1117 Girls, 2 to 15......................... 114 110 47 104 31 86 110 154 Children under 2........................ 61 12 10 40 28 39 119 71 Footwear................................ 270 107 127 193 333 234 324 303 Other apparel products and services..... 354 176 174 113 164 212 322 547 Transportation........................... 6835 3723 2324 2495 3403 4763 6924 10143 Vehicle purchases (net outlay).......... 3017 1466 772 872 1073 1737 3134 4774 Cars and trucks, new................... 1611 956 118 308 82 755 1490 2821 Cars and trucks, used.................. 1348 498 654 549 976 974 1603 1841 Other vehicles......................... 58 12 0 15 15 8 40 112 Gasoline and motor oil.................. 1283 949 732 723 893 1113 1310 1650 Other vehicle expenses.................. 2147 1085 658 778 1146 1619 2160 3150 Vehicle finance charges................ 419 101 101 97 207 263 418 667 Maintenance and repairs................ 717 293 270 288 503 500 748 1024 Vehicle insurance...................... 773 550 239 296 338 664 780 1099 Veh. rental, licenses, oth. charges.... 239 141 48 97 98 193 214 361 Public transportation................... 387 223 162 122 290 295 321 569 Health care.............................. 1336 1038 624 774 1098 1188 1344 1697 Health insurance........................ 451 333 234 271 416 412 501 542 Medical services........................ 559 404 180 212 422 489 470 789 Drugs................................... 227 247 185 194 198 219 280 227 Medical supplies........................ 99 54 25 96 62 67 93 138 Entertainment............................ 1742 808 494 554 779 1289 1310 2769 Fees and admissions..................... 475 234 120 91 237 346 323 777 Television, radios, sound equipment..... 503 295 215 258 262 369 465 727 Pets, toys, and playground equipment.... 294 178 104 165 180 324 302 370 Other supplies, equip., and services.... 471 101 55 39 100 250 221 895 Personal care products and services...... 476 211 199 357 366 323 436 654 Reading.................................. 192 119 58 80 138 146 191 272 Education................................ 637 446 72 141 158 258 571 1098 Tobacco products and smoking supplies.... 336 263 352 314 345 342 365 332 Miscellaneous............................ 887 714 272 455 421 822 877 1201 Cash contributions....................... 1209 241 136 164 619 781 900 2071 Personal insurance and pensions.......... 4099 464 556 973 1722 2499 3779 6850 Life and other personal insurance....... 456 272 198 175 283 349 436 652 Pensions and Social Security............ 3644 192 359 797 1439 2150 3343 6198 Money income before taxes 1/.............. 40999 456 7576 12467 17531 24737 34517 69199 Wages and salaries....................... 34072 1369 3714 8570 14009 20873 29962 57775 Self-employment income................... 3928 -1850 290 896 1159 1414 2014 7839 Soc. Sec., priv. and gov. retirement..... 1155 306 1266 1759 1073 1099 712 1296 Int., divid., rent. inc., property inc... 728 -151 253 80 281 213 582 1350 Unemp. and workers' compen., vet. ben.... 367 191 372 327 406 313 583 335 Pub. ass., supp. sec. inc., foodstamps... 261 512 1272 559 318 271 73 38 Regular contributions for support........ 372 30 336 142 212 514 490 398 Other income............................. 116 47 74 134 73 40 102 168 Personal taxes 1/......................... 4031 -131 108 504 1392 1885 3130 7420 Federal income taxes..................... 3191 -179 35 375 1045 1383 2440 5958 State and local income taxes............. 760 -9 21 113 313 452 612 1343 Other taxes.............................. 80 58 52 16 34 50 79 118 Income after taxes 1/..................... 36967 587 7468 11963 16139 22852 31387 61779 Net change in total assets................ 1928 -1112 -289 242 -25 -367 2174 4088 Net change in total liabilities........... 2737 -746 405 1668 420 813 3223 4702 Other money receipts...................... 421 9 4 80 300 708 901 370 Mortgage principal paid, owned property... -871 -662 -253 -296 -511 -652 -717 -1310 Estimated market value of owned home...... 78741 54289 19174 26425 37374 53192 63778 123643 Est. monthly rental value of owned home... 480 297 140 182 276 353 410 723 Gifts of goods and services, total........ 1436 757 297 448 625 999 1319 2220 Clothing, males 2 and over............... 92 65 24 95 104 80 86 109 Clothing, females 2 and over............. 140 66 11 55 59 165 218 161 Clothing, infants less than 2............ 47 11 8 20 16 30 103 53 Jewelry and watches...................... 38 12 4 13 28 30 37 56 Small appliances and misc. housewares.... 26 4 13 16 8 11 24 42 Household textiles....................... 14 3 4 34 5 12 1 21 All other gifts.......................... 1079 596 233 215 405 671 850 1778 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary.