Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1990-91 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)... 12543 545 833 888 809 1946 1634 5888 Income before taxes 1/.................... 45945 406 7400 12507 17347 24950 34624 74664 Income after taxes 1/..................... 41616 52 6976 12076 16186 23240 31681 67141 Age of reference person................... 49.2 49.4 49.5 49.4 49.4 49.3 49.2 49.1 Average number in consumer unit:.......... Persons.................................. 2.9 2.2 2.3 2.4 2.9 2.7 2.9 3.2 Children under 18........................ 0.7 0.4 0.6 0.6 0.8 0.6 0.6 0.7 Persons 65 and over...................... 0 0 0 0.1 0 0 0.1 0 Earners.................................. 1.9 1.1 1.1 1.3 1.6 1.8 2 2.3 Vehicles................................. 2.6 1.4 1.3 1.4 1.6 2.2 2.6 3.3 Percent distribution: Male..................................... 68 53 39 40 49 62 70 81 Female................................... 32 47 61 60 51 38 30 19 Percent homeowner........................ 74 60 47 46 61 65 76 89 With mortgage........................... 59 39 27 25 44 47 58 76 Without mortgage........................ 16 21 20 21 17 18 19 12 Renter................................... 26 40 53 54 39 35 24 11 Black.................................... 12 26 23 14 21 16 9 7 White and other.......................... 88 74 77 86 79 84 91 93 Elementary (1-8)......................... 8 22 14 20 12 8 8 3 High school (9-12)....................... 44 49 59 62 61 55 51 32 College.................................. 48 28 26 19 27 36 40 66 Never attended and other................. 0 0 1 0 0 0 0 0 At least one vehicle owned............... 92 75 70 79 83 95 96 99 Average annual expenditures............... 39120 17426 15860 18077 22480 25496 32572 56227 Food..................................... 5462 2895 3268 3434 3785 3826 4735 7275 Food at home............................ 3170 1952 2630 2522 2639 2521 2819 3826 Cereals and bakery products............ 458 245 359 339 349 359 399 574 Cereals and cereal products........... 159 103 162 119 122 120 119 197 Bakery products....................... 300 142 197 220 227 239 280 376 Meats, poultry, fish, and eggs......... 895 577 853 906 750 755 793 1021 Beef.................................. 283 170 316 238 219 233 260 328 Pork.................................. 185 158 151 197 178 182 168 195 Other meats........................... 132 72 121 109 142 119 120 147 Poultry............................... 154 88 132 224 108 106 136 180 Fish and seafood...................... 104 54 97 84 65 84 74 134 Eggs.................................. 37 36 38 53 38 31 34 36 Dairy products......................... 352 204 260 232 323 279 307 435 Fresh milk and cream.................. 153 81 145 144 182 126 141 167 Other dairy products.................. 199 122 115 88 140 153 165 267 Fruits and vegetables.................. 498 338 438 355 423 379 453 603 Fresh fruits.......................... 152 88 120 102 129 117 145 187 Fresh vegetables...................... 151 90 166 101 151 109 120 182 Processed fruits...................... 110 68 90 78 77 82 107 136 Processed vegetables.................. 85 92 63 75 65 71 81 97 Other food at home..................... 966 589 719 690 793 748 866 1195 Sugar and other sweets................ 120 65 82 97 146 93 91 143 Fats and oils......................... 84 57 67 65 85 68 66 101 Miscellaneous foods................... 419 271 345 282 302 301 357 535 Nonalcoholic beverages................ 289 182 212 215 248 252 304 335 Food prep. by cu, out-of-town trips... 54 13 13 31 11 35 49 81 Food away from home..................... 2292 942 638 912 1146 1305 1916 3449 Alcoholic beverages...................... 377 177 116 244 225 169 391 538 Housing.................................. 10975 6755 5174 5599 7042 7374 8965 15286 Shelter................................. 6080 3539 2731 3088 3990 4118 4889 8507 Owned dwellings........................ 4275 2139 1190 961 2151 2344 3225 6631 Mortgage interest and charges......... 2763 1327 511 492 1343 1429 2000 4404 Property taxes........................ 857 443 259 227 449 481 640 1316 Maintenance, rep., ins., oth. exp..... 655 369 420 242 359 434 585 911 Rented dwellings....................... 1219 1139 1466 1913 1642 1642 1374 845 Other lodging.......................... 586 260 75 213 197 132 290 1031 Utilities, fuels, and public services... 2389 1826 1663 1671 1943 2025 2212 2882 Natural gas............................ 299 237 234 181 272 254 265 359 Electricity............................ 960 740 601 654 770 814 909 1166 Fuel oil and other fuels............... 115 80 43 60 72 80 144 146 Telephone.............................. 758 607 633 628 635 664 660 885 Water and other public services........ 257 161 154 149 194 213 233 326 Household operations.................... 348 90 74 98 169 112 197 593 Personal services...................... 66 1 7 18 99 22 52 102 Other household expenses............... 282 89 67 80 70 90 145 492 Housekeeping supplies................... 534 251 265 290 261 337 465 760 Laundry and cleaning supplies.......... 150 85 109 101 73 128 153 190 Other household products............... 236 86 110 97 90 114 179 365 Postage and stationery................. 148 80 46 92 99 96 133 205 Household furnishings and equipment..... 1623 1050 441 451 679 781 1202 2543 Household textiles..................... 151 368 30 30 25 76 129 216 Furniture.............................. 396 174 137 96 230 198 355 599 Floor coverings........................ 203 9 2 5 71 45 98 376 Major appliances....................... 158 117 74 77 77 122 121 219 Small appliances, misc. housewares..... 116 106 29 34 44 77 90 172 Miscellaneous household equipment...... 599 277 170 210 232 262 410 962 Apparel and services..................... 2327 838 887 994 1176 1572 2134 3352 Men and boys............................ 605 87 230 397 224 333 589 892 Men, 16 and over....................... 537 74 150 224 182 285 556 817 Boys, 2 to 15.......................... 68 13 80 173 42 48 32 74 Women and girls......................... 961 371 330 305 472 695 907 1388 Women, 16 and over..................... 865 339 306 251 410 633 810 1252 Girls, 2 to 15......................... 96 32 24 53 62 62 97 136 Children under 2........................ 57 22 35 35 33 40 59 77 Footwear................................ 333 141 152 122 279 281 313 436 Other apparel products and services..... 371 218 140 136 168 222 267 560 Transportation........................... 7063 2628 2332 2935 3994 4886 5577 10327 Vehicle purchases (net outlay).......... 2866 783 764 1152 1800 1939 1669 4399 Cars and trucks, new................... 1501 141 0 0 802 999 823 2516 Cars and trucks, used.................. 1346 642 764 1098 998 940 844 1853 Other vehicles......................... 19 0 0 55 0 0 2 31 Gasoline and motor oil.................. 1354 794 712 709 895 1154 1363 1720 Other vehicle expenses.................. 2405 859 726 846 1135 1617 2267 3504 Vehicle finance charges................ 405 93 174 102 198 277 389 587 Maintenance and repairs................ 857 345 221 340 415 595 884 1221 Vehicle insurance...................... 850 343 255 326 405 596 743 1235 Veh. rent., leas., licen., oth. chges.. 293 78 77 78 118 150 251 460 Public transportation................... 437 192 129 228 164 175 277 704 Health care.............................. 1665 1074 919 1381 1045 1285 1619 2094 Health insurance........................ 593 424 393 294 451 500 617 725 Medical services........................ 701 365 306 838 322 472 574 930 Drugs................................... 252 221 167 204 207 223 301 278 Medical supplies........................ 119 64 53 44 65 91 126 161 Entertainment............................ 2036 707 1265 730 869 1305 1436 3036 Fees and admissions..................... 495 154 80 112 230 223 367 805 Television, radios, sound equipment..... 634 274 271 350 403 417 516 896 Pets, toys, and playground equipment.... 382 178 260 195 177 334 279 524 Other supplies, equip., and services.... 525 101 654 73 58 330 274 812 Personal care products and services...... 508 150 206 214 269 379 467 719 Reading.................................. 200 73 86 80 95 127 175 291 Education................................ 794 343 57 207 204 327 605 1318 Tobacco products and smoking supplies.... 376 289 368 392 339 342 417 389 Miscellaneous............................ 1179 645 363 464 845 874 1113 1620 Cash contributions....................... 1467 403 201 448 915 504 1092 2396 Personal insurance and pensions.......... 4691 448 620 956 1676 2527 3847 7586 Life and other personal insurance....... 558 200 180 147 283 326 510 835 Pensions and Social Security............ 4133 248 440 809 1393 2200 3337 6751 Money income before taxes 1/.............. 45945 406 7400 12507 17347 24950 34624 74664 Wages and salaries....................... 38259 1974 3737 8824 13653 20615 30343 62349 Self-employment income................... 4609 -2742 136 449 870 1851 1761 8765 Soc. Sec., priv. and gov. retirement..... 1125 208 1528 1545 1458 974 900 1155 Int., divid., rent. inc., property inc... 997 140 200 57 140 516 679 1696 Unemp. and workers' compen., vet. ben.... 329 115 450 377 273 489 292 291 Pub. ass., supp. sec. inc., foodstamps... 298 656 1232 833 646 209 135 79 Regular contributions for support........ 250 6 75 326 191 246 446 241 Other income............................. 77 50 42 95 115 51 68 88 Personal taxes 1/......................... 4329 353 424 430 1161 1711 2943 7522 Federal income taxes..................... 3389 157 278 312 873 1239 2231 5971 State and local income taxes............. 811 105 98 106 245 368 571 1374 Other taxes.............................. 128 92 47 13 43 104 140 177 Income after taxes 1/..................... 41616 52 6976 12076 16186 23240 31681 67141 Net change in total assets and liabilities 867 -2216 2613 675 935 -345 1774 1073 Net change in total assets............... 2735 -987 2372 1361 2017 766 1954 4305 Net change in total liabilities.......... 1868 1229 -241 685 1082 1110 180 3231 Other money receipts...................... 458 97 18 111 185 145 247 805 Mortgage principal paid, owned property... -1000 -648 -383 -333 -461 -564 -732 -1513 Estimated market value of owned home...... 87183 61191 35208 28137 42975 49222 66967 130077 Est. monthly rental value of owned home... 526 254 207 214 308 352 433 757 Gifts of goods and services............... 1722 1012 430 602 577 635 1162 2815 Food.................................... 183 136 41 8 70 31 104 321 Housing................................. 414 312 52 230 122 152 231 678 Housekeeping supplies................. 47 12 7 4 15 23 37 77 Household textiles.................... 21 0 7 8 4 17 6 34 Appliances and misc. housewares....... 41 14 6 13 4 30 23 66 Major appliances.................... 11 3 3 8 0 18 9 13 Small appl. and misc. housewares.... 30 11 3 6 4 12 14 52 Miscellaneous household equipment..... 80 64 4 77 11 39 39 127 Other housing......................... 225 223 28 128 88 43 127 374 Apparel and services.................... 362 160 243 172 175 237 366 497 Males 2 and over...................... 102 48 27 90 43 87 98 136 Females 2 and over.................... 148 72 169 49 74 67 152 204 Children under 2...................... 42 7 9 22 24 29 41 59 Other apparel products and services... 70 34 38 11 34 54 75 97 Jewelry and watches................. 32 9 2 10 13 28 29 48 All other apparel products and serv. 38 25 36 1 21 26 46 50 Transportation.......................... 133 20 6 25 29 18 22 260 Health care............................. 63 73 15 1 17 18 29 109 Entertainment........................... 97 42 51 67 44 54 64 143 Toys, games, hobbies, and tricycles... 30 21 21 20 16 24 14 41 Other entertainment................... 68 20 30 47 28 30 50 102 Education............................... 336 188 0 54 10 70 240 599 All other gifts......................... 135 81 23 45 109 55 106 208 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary