Table 3. Consumer units of two persons 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)... 25473 1064 2593 3259 2940 4856 3477 7283 Income before taxes 1/.................... 33136 1600 7758 12395 17422 24700 34448 67401 Income after taxes 1/..................... 29961 1624 7701 11886 16588 23127 31518 59327 Average number of persons in cons. unit... 2 2 2 2 2 2 2 2 Age of reference person................... 52.4 49.1 57.3 59.6 57.7 53.4 47.2 47.8 Average number of: Earners.................................. 1.2 0.9 0.7 0.7 0.9 1.2 1.5 1.7 Vehicles................................. 2.1 1.3 1.3 1.6 1.9 2.2 2.4 2.7 Children under 18........................ 0.1 0.3 0.2 0.1 0.1 0.1 0.1 0 Persons 65 and over...................... 0.6 0.4 0.8 1 0.9 0.6 0.4 0.2 Percent distribution: Male..................................... 73 48 60 68 72 73 76 80 Female................................... 27 52 40 32 28 27 24 20 Percent homeowner........................ 70 43 58 66 71 69 69 82 Homeowner with mortgage................. 36 13 12 18 21 33 40 62 Homeowner without mortgage.............. 34 30 46 48 50 35 29 21 Renter................................... 30 57 42 34 29 31 31 18 Black.................................... 9 24 18 10 7 8 6 4 White and other.......................... 91 76 82 90 93 92 94 96 Elementary (1-8)......................... 13 22 35 25 15 11 5 2 High school (9-12)....................... 44 46 46 51 56 51 44 29 College.................................. 43 29 18 24 29 37 51 69 Never attended and other................. 0 3 1 1 0 0 0 0 At least one vehicle owned............... 92 68 76 89 93 96 97 98 Average annual expenditures............... 29490 16079 14516 17787 19965 25243 30751 47845 Food..................................... 4273 3299 2971 3139 3350 3794 4548 5850 Food at home............................ 2370 2033 2063 2176 2158 2248 2567 2661 Cereals and bakery products............ 341 274 312 328 339 329 363 362 Cereals and cereal products........... 114 112 117 117 110 111 114 115 Bakery products....................... 227 162 195 211 229 219 249 247 Meats, poultry, fish, and eggs......... 640 611 612 583 598 597 695 694 Beef.................................. 214 167 244 184 192 202 237 227 Pork.................................. 125 156 113 136 113 122 143 119 Other meats........................... 89 90 79 92 83 84 96 92 Poultry............................... 106 83 83 86 104 97 106 131 Fish and seafood...................... 78 87 63 52 77 64 82 98 Eggs.................................. 29 28 29 33 29 28 30 27 Dairy products......................... 278 220 257 271 256 268 301 299 Fresh milk and cream.................. 123 107 129 131 122 126 129 115 Other dairy products.................. 155 113 128 140 133 143 171 184 Fruits and vegetables.................. 420 349 344 389 374 399 471 474 Fresh fruits.......................... 137 108 108 121 111 128 172 158 Fresh vegetables...................... 128 117 97 119 118 120 135 147 Processed fruits...................... 88 69 83 91 88 83 88 95 Processed vegetables.................. 67 55 56 59 56 69 76 74 Other food at home..................... 691 579 539 605 590 653 738 832 Sugar and other sweets................ 88 81 78 71 74 78 105 105 Fats and oils......................... 63 59 61 68 69 57 63 64 Miscellaneous foods................... 294 238 214 253 233 287 311 363 Nonalcoholic beverages................ 207 162 177 192 188 197 213 238 Food prep. by cu, out-of-town trips... 39 40 9 21 26 34 46 63 Food away from home..................... 1903 1266 908 963 1192 1547 1981 3189 Alcoholic beverages...................... 337 344 111 147 218 267 397 549 Housing.................................. 8874 5091 4843 5696 6011 7555 8800 14318 Shelter................................. 4929 2676 2365 2788 3023 4039 4950 8482 Owned dwellings........................ 2921 869 1044 1239 1506 2126 2583 5903 Mortgage interest..................... 1567 312 242 361 489 871 1450 3719 Property taxes........................ 662 317 371 498 494 583 609 1036 Maintenance, rep., ins., oth. exp..... 691 240 431 381 524 672 525 1148 Rented dwellings....................... 1360 1584 1198 1278 1251 1487 1711 1214 Other lodging.......................... 648 223 124 270 266 426 655 1366 Utilities, fuels, and public services... 1878 1358 1479 1649 1765 1840 1875 2270 Natural gas............................ 245 163 218 228 222 236 239 292 Electricity............................ 754 548 612 693 720 737 747 891 Fuel oil and other fuels............... 116 109 105 114 136 118 97 123 Telephone.............................. 571 419 414 456 519 564 602 710 Water and other public services........ 192 120 131 158 168 185 190 253 Household operations.................... 335 122 277 200 250 291 284 535 Personal services...................... 76 28 187 65 86 88 55 47 Other household expenses............... 259 94 90 134 165 203 229 487 Housekeeping supplies................... 469 323 279 471 352 432 470 621 Laundry and cleaning supplies.......... 111 95 91 101 100 112 112 128 Other household products............... 206 96 117 275 140 171 186 284 Postage and stationery................. 151 131 72 95 112 148 173 209 Household furnishings and equipment..... 1263 612 443 588 621 952 1220 2410 Household textiles..................... 122 43 44 73 70 99 155 198 Furniture.............................. 326 76 94 168 169 258 335 619 Floor coverings........................ 72 10 15 24 46 40 68 154 Major appliances....................... 174 69 85 105 104 162 185 282 Small appliances, misc. housewares..... 83 40 19 58 35 55 88 155 Miscellaneous household equipment...... 487 374 186 160 196 338 389 1001 Apparel and services..................... 1620 1058 715 779 904 1271 1818 2768 Men and boys............................ 370 131 170 168 230 306 351 659 Men, 16 and over....................... 334 96 101 132 211 260 317 633 Boys, 2 to 15.......................... 36 34 69 36 19 46 34 27 Women and girls......................... 725 621 332 399 419 574 881 1144 Women, 16 and over..................... 688 597 306 367 391 534 833 1105 Girls, 2 to 15......................... 37 25 26 32 28 40 48 40 Children under 2........................ 38 30 10 15 24 29 67 55 Footwear................................ 219 154 103 88 111 160 215 399 Other apparel products and services..... 269 121 100 109 120 202 304 509 Transportation........................... 5390 2851 2258 3054 3714 5026 5998 8544 Vehicle purchases (net outlay).......... 2277 1214 851 1148 1518 2218 2556 3658 Cars and trucks, new................... 1296 375 369 522 725 1266 1302 2355 Cars and trucks, used.................. 967 839 482 622 793 947 1229 1270 Other vehicles......................... 14 0 0 3 0 4 25 32 Gasoline and motor oil.................. 1032 650 612 761 833 1034 1158 1376 Other vehicle expenses.................. 1754 829 696 1000 1191 1569 1935 2860 Vehicle finance charges................ 294 64 99 109 179 272 389 497 Maintenance and repairs................ 624 427 256 414 426 555 622 998 Vehicle insurance...................... 616 249 276 375 452 585 693 949 Veh. rental, licenses, oth. charges.... 220 90 65 101 135 157 231 416 Public transportation................... 327 159 99 145 171 205 348 650 Health care.............................. 1821 948 1331 2027 2043 1862 1621 2004 Health insurance........................ 727 451 603 943 853 750 655 681 Medical services........................ 627 214 296 570 620 675 577 825 Drugs................................... 344 227 370 416 407 352 299 311 Medical supplies........................ 123 55 61 98 163 85 91 186 Entertainment............................ 1434 565 445 615 773 1186 1576 2637 Fees and admissions..................... 391 109 69 130 240 301 432 764 Television, radios, sound equipment..... 424 230 215 256 265 400 465 660 Pets, toys, and playground equipment.... 268 167 106 153 152 287 301 406 Other supplies, equip., and services.... 352 59 55 76 117 197 378 808 Personal care products and services...... 394 255 245 296 328 332 400 565 Reading.................................. 177 67 70 102 144 159 177 289 Education................................ 249 244 185 113 126 137 310 427 Tobacco products and smoking supplies.... 276 265 244 250 255 298 324 271 Miscellaneous............................ 678 311 341 371 450 683 733 1048 Cash contributions....................... 1121 114 379 447 693 926 913 2236 Personal insurance and pensions.......... 2846 667 378 750 954 1747 3135 6338 Life and other personal insurance....... 392 159 171 278 229 306 421 664 Pensions and Social Security............ 2454 508 207 472 725 1440 2714 5674 Money income before taxes 1/.............. 33136 1600 7758 12395 17422 24700 34448 67401 Wages and salaries....................... 22097 1080 2162 4145 7227 14575 25211 49829 Self-employment income................... 2638 -1453 124 293 596 811 1803 7619 Soc. Sec., priv. and gov. retirement..... 5985 979 4079 7044 8146 7451 4889 5596 Int., divid., rent. inc., property inc... 1722 117 105 323 843 1291 1799 3764 Unemp. and workers' compen., vet. ben.... 251 27 143 122 263 268 391 297 Pub. ass., supp. sec. inc., foodstamps... 192 628 926 285 137 32 13 41 Regular contributions for support........ 153 61 130 121 120 198 256 125 Other income............................. 97 161 89 63 90 74 86 130 Personal taxes 1/......................... 3174 -24 57 509 834 1573 2930 8074 Federal income taxes..................... 2533 -51 21 368 623 1163 2312 6565 State and local income taxes............. 554 -4 16 83 166 301 549 1364 Other taxes.............................. 87 31 19 58 45 108 69 145 Income after taxes 1/..................... 29961 1624 7701 11886 16588 23127 31518 59327 Net change in total assets and liabilities 1201 -700 227 -757 -202 -9 813 4260 Net change in total assets............... 3925 -1055 213 -569 343 1331 4213 11022 Net change in total liabilities.......... 2724 -355 -14 187 544 1341 3401 6762 Other money receipts...................... 428 15 71 161 257 391 637 731 Mortgage principal paid, owned property... -514 -225 -222 -189 -193 -382 -500 -1030 Estimated market value of owned home...... 71385 34713 36108 47065 51727 58667 65505 119406 Est. monthly rental value of owned home... 427 208 231 290 344 364 405 675 Gifts of goods and services, total........ 1047 736 382 603 535 751 1058 1902 Clothing, males 2 and over............... 83 56 26 41 65 92 83 123 Clothing, females 2 and over............. 121 75 97 63 61 94 121 201 Clothing, infants less than 2............ 36 9 8 14 21 28 65 55 Jewelry and watches...................... 21 3 4 6 9 13 36 38 Small appliances and misc. housewares.... 21 7 4 18 10 16 19 39 Household textiles....................... 11 6 5 2 11 11 13 15 All other gifts.......................... 755 581 238 459 357 496 722 1430 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary.