Table 5. Consumer units with reference person age 55-64 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)... 10121 622 1293 1155 1057 2023 1267 2704 Number of sample interviews............... 7666 492 976 832 780 1438 976 2172 Income before taxes 1/.................... 32327 2074 7367 12372 17417 24548 34528 70361 Income after taxes 1/..................... 29182 2181 7217 11900 16531 22849 31417 61915 Average number of persons in cons. unit... 2.2 1.8 1.8 1.9 2.1 2.1 2.5 2.7 Age of reference person................... 59.7 60 59.9 59.9 60.1 59.9 59.6 59 Average number of: Earners.................................. 1.4 0.7 0.8 0.9 1.2 1.3 1.7 2.1 Vehicles................................. 2.3 1.1 1.2 1.7 2.1 2.2 2.6 3.2 Children under 18........................ 0.2 0.2 0.2 0.1 0.2 0.1 0.2 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0.1 0.1 Percent distribution: Male..................................... 70 34 50 63 62 73 79 87 Female................................... 30 66 50 37 38 27 21 13 Homeowner with mortgage.................. 40 22 21 28 31 37 45 60 Homeowner without mortgage............... 40 33 35 45 47 46 43 35 Renter................................... 20 45 44 27 23 16 12 6 Black.................................... 9 24 17 14 8 8 5 3 White and other.......................... 91 76 83 86 92 92 95 97 Elementary (1-8)......................... 15 28 26 22 17 13 17 6 High school (9-12)....................... 49 52 50 54 61 62 44 35 College.................................. 35 17 21 24 22 25 40 59 Never attended and other................. 1 3 3 0 0 0 0 0 At least one vehicle owned................ 91 63 75 88 96 95 98 98 Average annual expenditures............... 27584 11475 14336 16728 19488 24238 31192 46432 Food..................................... 4183 2391 2673 2884 3375 4153 4759 6046 Food at home............................ 2513 1844 1825 2070 2312 2600 2766 3146 Cereals and bakery products............ 363 238 279 295 344 376 414 444 Cereals and cereal products........... 119 93 98 108 125 117 138 131 Bakery products....................... 244 145 180 187 219 260 276 313 Meats, poultry, fish, and eggs......... 687 560 517 609 674 661 750 837 Beef.................................. 224 155 159 175 229 236 260 271 Pork.................................. 139 125 114 129 150 131 163 149 Other meats........................... 102 79 95 80 75 97 111 131 Poultry............................... 103 83 74 97 96 101 103 130 Fish and seafood...................... 85 94 42 91 94 61 76 119 Eggs.................................. 34 25 33 37 29 34 38 37 Dairy products......................... 308 231 226 248 282 336 374 357 Fresh milk and cream.................. 140 128 117 130 134 145 159 147 Other dairy products.................. 168 102 109 118 148 190 214 210 Fruits and vegetables.................. 452 310 325 341 420 471 467 598 Fresh fruits.......................... 146 94 102 96 137 146 156 205 Fresh vegetables...................... 146 110 117 115 133 161 143 182 Processed fruits...................... 92 56 68 72 92 98 86 124 Processed vegetables.................. 67 50 38 57 58 66 82 86 Other food at home..................... 704 505 478 577 592 756 762 911 Sugar and other sweets................ 91 60 70 62 74 94 101 121 Fats and oils......................... 67 50 58 63 60 70 73 75 Miscellaneous foods................... 279 204 170 241 232 298 295 372 Nonalcoholic beverages................ 226 173 170 191 206 246 223 281 Food prep. by cu, out-of-town trips... 42 19 9 20 20 49 70 64 Food away from home..................... 1670 547 848 814 1062 1553 1992 2900 Alcoholic beverages...................... 261 86 101 129 158 256 323 458 Housing.................................. 7850 4368 4860 5181 5704 7172 8093 12472 Shelter................................. 4104 2261 2634 2643 2774 3700 3958 6746 Owned dwellings........................ 2756 1136 1236 1465 1586 2499 2736 5065 Mortgage interest..................... 1169 467 415 468 501 872 1114 2499 Property taxes........................ 793 402 319 477 520 776 796 1364 Maintenance, rep., ins., oth. exp..... 793 267 501 520 565 851 826 1202 Rented dwellings....................... 759 1014 1224 986 871 797 585 391 Other lodging.......................... 589 111 174 192 317 404 637 1290 Utilities, fuels, and public services... 1945 1317 1506 1588 1797 1904 2034 2499 Natural gas............................ 294 172 206 276 284 284 324 368 Electricity............................ 775 526 612 652 710 796 816 952 Fuel oil and other fuels............... 131 80 115 91 98 138 112 185 Telephone.............................. 545 409 440 424 513 501 564 715 Water and other public services........ 200 130 134 145 191 185 217 279 Household operations.................... 294 57 119 86 115 218 225 680 Personal services...................... 45 0 37 5 13 37 34 101 Other household expenses............... 249 57 83 82 103 181 191 579 Housekeeping supplies................... 409 205 228 306 392 417 479 574 Laundry and cleaning supplies.......... 114 63 76 90 111 135 140 132 Other household products............... 169 86 94 107 130 168 173 271 Postage and stationery................. 126 55 58 109 151 114 166 171 Household furnishings and equipment..... 1099 529 373 558 626 934 1398 1973 Household textiles..................... 109 62 22 68 83 83 136 198 Furniture.............................. 269 78 69 142 89 277 260 531 Floor coverings........................ 121 128 3 5 42 101 294 179 Major appliances....................... 179 46 71 132 167 141 224 295 Small appliances, misc. housewares..... 65 42 17 40 40 63 76 112 Miscellaneous household equipment...... 355 173 191 170 205 269 408 657 Apparel and services..................... 1476 354 692 744 1098 1047 1595 2868 Men and boys............................ 394 42 150 155 283 291 342 854 Men, 16 and over....................... 355 40 146 129 216 246 297 797 Boys, 2 to 15.......................... 39 3 4 25 68 45 46 57 Women and girls......................... 626 229 299 398 483 391 752 1147 Women, 16 and over..................... 588 198 285 369 457 356 701 1091 Girls, 2 to 15......................... 38 31 15 29 26 36 51 56 Children under 2........................ 39 5 17 23 24 35 52 67 Footwear................................ 190 33 100 92 196 174 208 324 Other apparel products and services..... 228 44 126 78 111 156 240 476 Transportation........................... 5059 1386 2659 2921 3074 4373 6563 8552 Vehicle purchases (net outlay).......... 2062 123 1164 785 915 1673 2933 3813 Cars and trucks, new................... 1207 0 635 50 383 701 1585 2777 Cars and trucks, used.................. 840 123 530 735 529 967 1340 989 Other vehicles......................... 15 0 0 0 3 6 8 46 Gasoline and motor oil.................. 1034 486 627 747 902 1007 1289 1428 Other vehicle expenses.................. 1656 675 730 1238 1150 1502 1985 2666 Vehicle finance charges................ 231 110 71 118 127 239 326 375 Maintenance and repairs................ 622 259 331 649 449 512 682 960 Vehicle insurance...................... 623 242 253 373 473 606 793 987 Veh. rental, licenses, oth. charges.... 179 64 75 99 101 145 184 344 Public transportation................... 307 102 137 151 107 191 356 645 Health care.............................. 1607 720 1041 1423 1689 1779 1743 1936 Health insurance........................ 614 274 406 598 703 705 602 702 Medical services........................ 569 242 327 447 544 655 634 725 Drugs................................... 336 179 266 314 402 334 373 376 Medical supplies........................ 88 25 42 64 40 85 133 133 Entertainment............................ 1255 753 496 895 789 961 1592 2134 Fees and admissions..................... 370 102 128 128 158 241 389 822 Television, radios, sound equipment..... 372 168 209 239 261 364 419 582 Pets, toys, and playground equipment.... 231 130 118 144 190 192 265 377 Other supplies, equip., and services.... 282 354 42 384 180 164 519 354 Personal care products and services...... 376 111 189 405 304 315 384 599 Reading.................................. 173 56 96 98 119 149 203 293 Education................................ 230 80 218 73 157 99 187 484 Tobacco products and smoking supplies.... 298 217 282 276 328 302 337 300 Miscellaneous............................ 674 197 297 551 631 513 680 1155 Cash contributions....................... 1105 243 253 372 622 752 1347 2362 Personal insurance and pensions.......... 3038 514 479 775 1442 2365 3387 6773 Life and other personal insurance....... 417 120 181 171 290 449 454 712 Pensions and Social Security............ 2621 395 297 604 1152 1916 2934 6061 Money income before taxes 1/.............. 32327 2074 7367 12372 17417 24548 34528 70361 Wages and salaries....................... 22540 639 2370 5375 9581 15227 24882 53996 Self-employment income................... 2464 -635 311 558 1346 1398 2064 6442 Soc. Sec., priv. and gov. retirement..... 4779 1126 3240 5243 5151 5404 5433 5237 Int., divid., rent. inc., property inc... 1816 88 328 520 861 1766 1547 4016 Unemp. and workers' compen., vet. ben.... 295 88 265 308 271 505 295 203 Pub. ass., supp. sec. inc., foodstamps... 250 585 771 221 44 124 73 195 Regular contributions for support........ 88 141 55 111 97 77 172 48 Other income............................. 94 42 27 36 66 48 61 223 Personal taxes 1/......................... 3144 -107 150 472 886 1699 3110 8446 Federal income taxes..................... 2503 -154 114 326 602 1259 2417 6901 State and local income taxes............. 556 8 5 106 211 352 623 1394 Other taxes.............................. 86 38 31 41 73 88 71 152 Income after taxes 1/..................... 29182 2181 7217 11900 16531 22849 31417 61915 Net change in total assets................ 3056 -1703 26 968 1549 1587 4060 7708 Net change in total liabilities........... 1507 80 1178 -196 1484 352 2763 3005 Other money receipts...................... 484 75 262 241 123 667 428 819 Mortgage principal paid, owned property... -528 -298 -248 -276 -287 -391 -527 -1021 Estimated market value of owned home...... 78631 41968 38902 49620 52212 73648 76602 133462 Est. monthly rental value of owned home... 451 227 234 304 352 430 482 709 Gifts of goods and services, total........ 1014 148 434 592 599 855 1152 1919 Clothing, males 2 and over............... 132 0 32 60 56 96 115 312 Clothing, females 2 and over............. 100 11 38 108 69 103 159 133 Clothing, infants less than 2............ 33 3 13 15 20 31 51 58 Jewelry and watches...................... 26 2 49 6 6 16 20 48 Small appliances and misc. housewares.... 20 2 3 8 19 29 20 32 Household textiles....................... 14 0 0 9 17 14 15 27 All other gifts.......................... 689 130 299 386 412 566 772 1309 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary.