Table 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 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)... 17748 706 1090 1181 1466 2839 2997 7469 Income before taxes 1/.................... 41063 1674 7661 12357 17446 24615 34563 67697 Income after taxes 1/..................... 36833 1714 7630 11917 16648 22657 31301 59926 Average number of persons in cons. unit... 3.3 2.4 3 3 3 3.1 3.2 3.5 Age of reference person................... 39.4 38.8 39.1 38.8 39.1 39.4 39.2 39.7 Average number of: Earners.................................. 1.8 1.1 1.2 1.4 1.6 1.7 1.8 2.1 Vehicles................................. 2.4 1.3 1.3 1.4 1.7 2.1 2.6 2.9 Children under 18........................ 1.3 1 1.4 1.3 1.3 1.3 1.3 1.4 Persons 65 and over...................... 0 0 0 0 0 0 0 0 Percent distribution: Male..................................... 71 47 45 43 57 65 75 85 Female................................... 29 53 55 57 43 35 25 15 Percent homeowner........................ 68 33 36 40 49 55 72 86 Homeowner with mortgage................. 60 26 26 31 37 46 61 81 Homeowner without mortgage.............. 8 7 11 9 12 10 11 5 Renter................................... 32 67 64 60 51 45 28 14 Black.................................... 12 23 21 24 14 17 10 6 White and other.......................... 88 77 79 76 86 83 90 94 Elementary (1-8)......................... 4 15 11 7 9 5 3 1 High school (9-12)....................... 37 44 52 57 50 46 42 24 College.................................. 58 41 36 36 41 49 55 75 Never attended and other................. 0 1 1 0 0 0 0 0 At least one vehicle owned............... 92 77 71 79 91 92 96 97 Average annual expenditures............... 36688 17416 15997 18721 22599 26012 33712 52243 Food..................................... 5408 3409 3245 3241 4044 4325 5000 7031 Food at home............................ 3088 1971 2429 2229 2761 2755 2853 3682 Cereals and bakery products............ 469 236 361 349 411 413 437 565 Cereals and cereal products........... 172 87 145 150 163 172 149 197 Bakery products....................... 296 149 216 200 248 241 288 367 Meats, poultry, fish, and eggs......... 773 645 674 577 737 697 675 903 Beef.................................. 257 166 226 197 229 230 234 303 Pork.................................. 141 174 128 99 128 140 133 152 Other meats........................... 116 114 90 77 124 104 90 139 Poultry............................... 123 77 108 107 122 112 108 142 Fish and seafood...................... 100 87 75 66 95 73 78 131 Eggs.................................. 36 28 47 31 38 38 31 37 Dairy products......................... 386 207 346 297 331 354 365 449 Fresh milk and cream.................. 181 117 198 151 179 174 178 194 Other dairy products.................. 205 91 149 145 152 180 188 256 Fruits and vegetables.................. 491 334 378 351 418 442 450 588 Fresh fruits.......................... 141 86 98 107 110 128 131 172 Fresh vegetables...................... 147 103 115 108 133 138 138 170 Processed fruits...................... 116 73 100 77 99 97 100 144 Processed vegetables.................. 87 71 66 59 76 79 80 103 Other food at home..................... 970 549 669 654 864 850 927 1177 Sugar and other sweets................ 118 50 87 67 100 105 110 147 Fats and oils......................... 81 55 70 58 79 79 73 93 Miscellaneous foods................... 446 260 267 297 401 389 450 537 Nonalcoholic beverages................ 277 158 227 210 270 248 257 325 Food prep. by cu, out-of-town trips... 47 25 18 22 14 28 37 74 Food away from home..................... 2320 1438 816 1013 1282 1570 2146 3349 Alcoholic beverages...................... 372 394 116 183 346 314 305 489 Housing.................................. 11244 5849 5509 6490 7349 7618 9476 16173 Shelter................................. 6518 3467 3109 3825 4255 4332 5423 9445 Owned dwellings........................ 4389 1409 1228 1462 1899 2001 3265 7442 Mortgage interest..................... 3193 984 844 860 1225 1369 2317 5545 Property taxes........................ 677 208 237 255 345 302 528 1119 Maintenance, rep., ins., oth. exp..... 519 217 147 347 329 330 420 777 Rented dwellings....................... 1507 1790 1790 2200 2081 2048 1593 978 Other lodging.......................... 622 268 91 164 275 284 564 1026 Utilities, fuels, and public services... 2116 1320 1510 1716 1717 1873 2042 2544 Natural gas............................ 264 153 217 209 205 208 282 316 Electricity............................ 865 541 615 717 693 767 838 1038 Fuel oil and other fuels............... 101 19 78 47 58 92 90 138 Telephone.............................. 653 486 454 573 606 622 605 751 Water and other public services........ 232 121 145 169 155 184 227 301 Household operations.................... 597 113 207 187 285 266 393 1033 Personal services...................... 343 26 153 104 180 162 272 568 Other household expenses............... 254 87 55 83 105 104 121 464 Housekeeping supplies................... 530 349 289 253 398 370 437 742 Laundry and cleaning supplies.......... 148 121 134 85 118 129 129 181 Other household products............... 236 90 98 99 152 152 187 355 Postage and stationery................. 146 139 57 69 129 90 121 206 Household furnishings and equipment..... 1483 600 393 508 694 777 1180 2409 Household textiles..................... 120 22 44 24 73 77 95 187 Furniture.............................. 398 107 58 242 202 262 349 610 Floor coverings........................ 131 17 16 8 54 37 65 254 Major appliances....................... 183 65 75 92 125 115 158 270 Small appliances, misc. housewares..... 84 28 21 35 37 41 64 138 Miscellaneous household equipment...... 568 361 180 106 202 245 450 949 Apparel and services..................... 2317 950 965 1182 1242 1743 2207 3254 Men and boys............................ 569 130 196 223 250 352 454 898 Men, 16 and over....................... 418 119 114 99 154 234 322 692 Boys, 2 to 15.......................... 151 11 81 124 96 119 131 206 Women and girls......................... 985 529 406 494 537 913 1030 1264 Women, 16 and over..................... 778 455 313 375 383 774 829 978 Girls, 2 to 15......................... 207 74 93 119 153 139 201 286 Children under 2........................ 76 36 39 37 52 40 76 110 Footwear................................ 317 118 149 176 234 179 366 427 Other apparel products and services..... 370 136 177 253 171 258 282 555 Transportation........................... 6459 3460 2761 3216 4278 4856 6823 8682 Vehicle purchases (net outlay).......... 2817 1565 1128 1527 1969 2111 3346 3609 Cars and trucks, new................... 1502 609 197 539 637 947 1880 2158 Cars and trucks, used.................. 1292 907 931 987 1329 1158 1437 1416 Other vehicles......................... 23 49 0 1 2 7 30 36 Gasoline and motor oil.................. 1239 789 666 730 927 1106 1259 1549 Other vehicle expenses.................. 2082 985 836 819 1249 1457 1952 3017 Vehicle finance charges................ 402 167 114 142 290 261 408 580 Maintenance and repairs................ 751 476 382 282 428 520 700 1073 Vehicle insurance...................... 661 241 239 304 387 523 648 930 Veh. rental, licenses, oth. charges.... 269 102 101 92 144 154 196 434 Public transportation................... 320 120 131 141 134 182 267 507 Health care.............................. 1394 721 751 1176 1098 1053 1323 1807 Health insurance........................ 465 199 223 304 353 400 501 584 Medical services........................ 633 348 363 615 345 452 558 857 Drugs................................... 196 137 134 184 150 145 182 246 Medical supplies........................ 99 37 31 72 249 56 82 119 Entertainment............................ 2010 788 633 771 855 1189 1715 3173 Fees and admissions..................... 534 177 186 147 146 285 427 894 Television, radios, sound equipment..... 586 350 243 363 412 445 551 796 Pets, toys, and playground equipment.... 367 170 141 180 182 257 376 519 Other supplies, equip., and services.... 522 91 64 82 115 202 361 964 Personal care products and services...... 458 283 228 208 288 359 428 624 Reading.................................. 194 72 77 77 113 136 185 282 Education................................ 449 296 138 134 156 233 295 759 Tobacco products and smoking supplies.... 329 283 360 362 316 377 343 301 Miscellaneous............................ 913 435 337 393 441 663 960 1293 Cash contributions....................... 952 166 251 238 492 681 980 1423 Personal insurance and pensions.......... 4191 311 625 1048 1582 2463 3673 6952 Life and other personal insurance....... 483 153 190 165 228 280 473 739 Pensions and Social Security............ 3708 158 434 884 1355 2183 3200 6213 Money income before taxes 1/.............. 41063 1674 7661 12357 17446 24615 34563 67697 Wages and salaries....................... 35208 1468 3803 8989 14334 21462 31536 57923 Self-employment income................... 3806 -880 649 999 1147 1496 1716 7391 Soc. Sec., priv. and gov. retirement..... 500 261 908 656 657 623 323 432 Int., divid., rent. inc., property inc... 577 47 -102 126 73 172 363 1136 Unemp. and workers' compen., vet. ben.... 229 123 295 298 263 308 236 180 Pub. ass., supp. sec. inc., foodstamps... 272 422 1737 853 409 180 49 51 Regular contributions for support........ 359 156 256 357 471 313 304 411 Other income............................. 112 78 116 79 93 60 36 173 Personal taxes 1/......................... 4230 -40 31 440 798 1958 3262 7771 Federal income taxes..................... 3374 -45 -44 227 618 1448 2540 6300 State and local income taxes............. 767 -8 29 91 217 420 664 1336 Other taxes.............................. 89 13 46 122 -37 90 57 135 Income after taxes 1/..................... 36833 1714 7630 11917 16648 22657 31301 59926 Net change in total assets and liabilities -1252 860 -2487 -3309 -2680 -1605 -2126 -181 Net change in total assets............... 5159 2068 -2183 -229 1794 1573 3015 10258 Net change in total liabilities.......... 6411 1209 304 3080 4474 3179 5141 10439 Other money receipts...................... 674 158 57 1697 415 286 827 788 Mortgage principal paid, owned property... -851 -310 -309 -303 -341 -497 -780 -1332 Estimated market value of owned home...... 76362 22372 25269 38988 29127 37960 58845 125729 Est. monthly rental value of owned home... 469 164 171 197 224 264 404 737 Gifts of goods and services, total........ 898 328 342 639 465 595 755 1319 Clothing, males 2 and over............... 57 12 18 19 22 67 31 86 Clothing, females 2 and over............. 101 25 35 38 56 122 72 138 Clothing, infants less than 2............ 31 13 14 17 24 17 38 42 Jewelry and watches...................... 26 8 12 3 12 17 18 43 Small appliances and misc. housewares.... 17 1 4 7 9 11 9 29 Household textiles....................... 10 0 12 0 0 9 7 16 All other gifts.......................... 654 269 247 554 342 352 580 966 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary. - {PAGE|2} - able 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 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 ________________________________________________________________________________