Table 5. Consumer units with reference person age 55-64 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)... 10020 599 1269 1042 878 1553 1201 3479 Income before taxes 1/.................... 36832 46 7586 12434 17335 24881 34579 72170 Income after taxes 1/..................... 33132 -1894 7420 11740 16543 23286 31761 64000 Age of reference person................... 59.7 59.9 60.4 60.3 60.4 60.1 59.4 59 Average number in consumer unit:.......... Persons.................................. 2.3 1.8 1.9 2.2 2.1 2.2 2.4 2.7 Children under 18........................ 0.2 0.1 0.2 0.3 0.2 0.2 0.2 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0.1 0.1 Earners.................................. 1.4 0.7 0.7 1 1.1 1.4 1.7 2 Vehicles................................. 2.3 1.2 1.2 2 1.8 2.4 2.7 3 Percent distribution: Male..................................... 71 43 49 59 66 73 84 83 Female................................... 29 57 51 41 34 27 16 17 Percent homeowner........................ 80 59 57 76 74 80 84 93 With mortgage........................... 40 20 22 26 23 39 45 57 Without mortgage........................ 40 39 36 50 52 41 39 36 Renter................................... 20 41 43 24 26 20 16 7 Black.................................... 11 18 24 15 13 9 8 5 White and other.......................... 89 82 76 85 87 91 92 95 Elementary (1-8)......................... 15 22 31 26 19 17 10 4 High school (9-12)....................... 47 55 51 49 61 49 51 37 College.................................. 38 19 17 23 20 34 38 59 Never attended and other................. 0 3 1 1 0 0 0 0 At least one vehicle owned............... 90 65 68 88 92 94 96 98 Average annual expenditures............... 31740 17276 14725 19050 19902 24924 32075 51202 Food..................................... 4382 2505 2608 2795 3477 3981 4572 6639 Food at home............................ 2683 1726 2008 1975 2366 2524 2899 3611 Cereals and bakery products............ 393 225 312 286 378 379 383 534 Cereals and cereal products........... 131 84 115 104 133 131 128 162 Bakery products....................... 262 141 197 182 245 249 255 372 Meats, poultry, fish, and eggs......... 754 536 642 557 655 693 790 991 Beef.................................. 236 145 211 153 180 230 255 316 Pork.................................. 156 104 150 124 146 152 146 196 Other meats........................... 109 71 76 93 103 95 125 142 Poultry............................... 126 97 115 83 106 114 138 162 Fish and seafood...................... 94 87 56 72 84 70 92 142 Eggs.................................. 33 31 32 31 37 32 34 33 Dairy products......................... 297 186 215 222 277 302 335 378 Fresh milk and cream.................. 129 91 114 113 131 133 141 143 Other dairy products.................. 168 95 101 110 147 169 194 234 Fruits and vegetables.................. 445 307 316 314 391 415 506 597 Fresh fruits.......................... 146 80 92 96 132 126 186 204 Fresh vegetables...................... 134 112 95 101 124 123 142 178 Processed fruits...................... 91 68 67 61 81 93 94 122 Processed vegetables.................. 73 47 62 56 53 74 85 93 Other food at home..................... 795 472 523 596 665 735 884 1112 Sugar and other sweets................ 107 67 81 74 92 84 141 142 Fats and oils......................... 77 45 69 51 60 70 97 98 Miscellaneous foods................... 332 151 216 250 270 332 327 489 Nonalcoholic beverages................ 229 150 151 187 215 219 261 296 Food prep. by cu, out-of-town trips... 51 59 6 34 28 29 58 86 Food away from home..................... 1699 779 599 821 1111 1456 1673 3027 Alcoholic beverages...................... 254 137 86 86 210 163 261 487 Housing.................................. 8811 5759 5432 5710 5908 7023 8077 13489 Shelter................................. 4508 3215 2818 2756 2884 3405 3917 6977 Owned dwellings........................ 3100 2182 1303 1646 1579 2063 2633 5357 Mortgage interest and charges......... 1395 1102 482 571 508 882 1177 2553 Property taxes........................ 957 674 445 611 544 642 939 1548 Maintenance, rep., ins., oth. exp..... 748 406 377 465 528 539 516 1257 Rented dwellings....................... 912 942 1474 942 1098 1073 960 558 Other lodging.......................... 495 92 40 167 206 269 324 1062 Utilities, fuels, and public services... 2161 1466 1531 1808 1888 1972 2116 2786 Natural gas............................ 282 188 220 266 195 232 293 365 Electricity............................ 891 620 673 719 821 787 823 1155 Fuel oil and other fuels............... 138 76 88 117 127 177 141 157 Telephone.............................. 611 440 390 508 525 564 621 791 Water and other public services........ 240 142 160 198 220 211 238 318 Household operations.................... 343 147 94 152 191 169 187 698 Personal services...................... 50 31 8 22 12 31 31 101 Other household expenses............... 293 116 86 130 179 139 156 596 Housekeeping supplies................... 518 365 308 277 342 509 494 832 Laundry and cleaning supplies.......... 134 98 108 89 118 143 138 173 Other household products............... 238 99 114 142 114 221 218 432 Postage and stationery................. 146 168 86 46 109 145 138 226 Household furnishings and equipment..... 1280 566 681 717 603 968 1363 2196 Household textiles..................... 128 46 93 80 35 78 159 221 Furniture.............................. 289 67 125 139 110 207 361 489 Floor coverings........................ 161 16 301 38 28 90 114 275 Major appliances....................... 161 179 44 113 144 157 165 221 Small appliances, misc. housewares..... 100 41 23 54 61 78 95 190 Miscellaneous household equipment...... 442 215 96 294 225 358 469 800 Apparel and services..................... 1611 881 831 909 1072 1129 1539 2794 Men and boys............................ 368 221 190 245 164 302 307 644 Men, 16 and over....................... 322 183 162 205 131 252 250 590 Boys, 2 to 15.......................... 46 38 28 40 33 50 57 54 Women and girls......................... 703 376 415 281 515 470 816 1195 Women, 16 and over..................... 660 362 397 256 491 433 759 1130 Girls, 2 to 15......................... 43 14 18 25 24 36 57 65 Children under 2........................ 53 14 33 72 19 43 64 72 Footwear................................ 230 142 103 214 196 183 144 405 Other apparel products and services..... 256 128 90 97 178 131 208 478 Transportation........................... 5648 2564 2285 4069 3761 5197 6410 8317 Vehicle purchases (net outlay).......... 2309 1047 966 1966 1348 2195 2794 3245 Cars and trucks, new................... 1232 741 547 497 523 1028 1468 1974 Cars and trucks, used.................. 1066 307 419 1469 816 1166 1320 1244 Other vehicles......................... 11 0 0 0 8 1 5 28 Gasoline and motor oil.................. 1110 667 555 834 886 1045 1225 1518 Other vehicle expenses.................. 1843 705 664 1159 1324 1742 1969 2833 Vehicle finance charges................ 271 46 90 117 193 239 310 444 Maintenance and repairs................ 688 332 222 433 513 652 727 1064 Vehicle insurance...................... 674 260 302 477 495 624 703 998 Veh. rent., leas., licen., oth. chges.. 210 67 50 132 123 227 228 327 Public transportation................... 385 145 100 111 204 215 423 722 Health care.............................. 1855 1316 1235 1861 1674 1535 1894 2357 Health insurance........................ 727 459 507 818 839 600 747 849 Medical services........................ 680 596 382 611 443 531 580 985 Drugs................................... 352 201 300 361 336 324 461 379 Medical supplies........................ 95 59 46 71 56 79 105 143 Entertainment............................ 1740 1545 465 589 887 1002 2133 3021 Fees and admissions..................... 390 108 83 109 233 221 330 770 Television, radios, sound equipment..... 435 236 219 264 380 350 417 658 Pets, toys, and playground equipment.... 299 108 130 130 185 243 264 530 Other supplies, equip., and services.... 616 1093 33 86 89 188 1121 1062 Personal care products and services...... 428 249 276 235 295 368 454 670 Reading.................................. 189 88 65 115 122 163 185 305 Education................................ 384 171 109 114 70 301 157 803 Tobacco products and smoking supplies.... 340 237 279 323 406 384 374 338 Miscellaneous............................ 968 694 446 510 560 659 1305 1485 Cash contributions....................... 1314 237 246 592 391 742 1232 2621 Personal insurance and pensions.......... 3817 893 362 1142 1070 2276 3482 7878 Life and other personal insurance....... 540 150 184 281 198 370 449 1007 Pensions and Social Security............ 3277 744 179 861 871 1907 3033 6870 Money income before taxes 1/.............. 36832 46 7586 12434 17335 24881 34579 72170 Wages and salaries....................... 25796 636 1848 5220 9071 16211 26117 53411 Self-employment income................... 3115 -2994 80 677 350 1071 1703 8100 Soc. Sec., priv. and gov. retirement..... 5266 1361 3909 4537 6081 5651 4931 6390 Int., divid., rent. inc., property inc... 1673 176 165 698 925 1043 1036 3462 Unemp. and workers' compen., vet. ben.... 328 68 231 248 474 433 340 345 Pub. ass., supp. sec. inc., foodstamps... 415 630 1179 954 229 265 315 85 Regular contributions for support........ 157 62 41 79 138 104 114 281 Other income............................. 83 108 133 21 68 103 23 96 Personal taxes 1/......................... 3700 1940 166 695 792 1595 2818 8170 Federal income taxes..................... 2869 1434 74 466 535 1165 2072 6480 State and local income taxes............. 668 340 28 104 137 306 640 1432 Other taxes.............................. 163 166 64 125 120 124 106 258 Income after taxes 1/..................... 33132 -1894 7420 11740 16543 23286 31761 64000 Net change in total assets and liabilities 2005 -2885 -358 -293 496 1087 2198 5120 Net change in total assets............... 2414 -2522 -167 437 -372 127 2884 6359 Net change in total liabilities.......... 410 362 191 731 -868 -960 686 1239 Other money receipts...................... 539 214 27 180 338 933 498 777 Mortgage principal paid, owned property... -649 -313 -245 -304 -271 -419 -608 -1169 Estimated market value of owned home...... 92710 52702 37253 51043 51369 63337 78142 160873 Est. monthly rental value of owned home... 526 358 273 348 377 433 518 783 Gifts of goods and services............... 1245 660 457 491 572 840 1128 2359 Food.................................... 136 120 26 28 45 83 160 258 Housing................................. 300 147 117 98 149 202 270 593 Housekeeping supplies................. 45 31 23 12 25 48 42 79 Household textiles.................... 23 11 7 10 10 14 19 52 Appliances and misc. housewares....... 53 9 12 14 26 44 31 115 Major appliances.................... 11 3 4 3 6 10 5 21 Small appl. and misc. housewares.... 42 6 8 11 21 34 26 94 Miscellaneous household equipment..... 75 57 14 25 31 35 91 158 Other housing......................... 105 40 62 37 57 62 88 188 Apparel and services.................... 306 179 143 224 220 195 304 519 Males 2 and over...................... 101 65 49 87 44 75 85 176 Females 2 and over.................... 98 86 53 27 87 61 103 171 Children under 2...................... 43 13 31 22 18 33 56 65 Other apparel products and services... 64 15 11 86 70 25 59 108 Jewelry and watches................. 28 4 3 3 38 14 26 53 All other apparel products and serv. 36 11 8 83 33 11 33 55 Transportation.......................... 91 26 1 7 25 34 66 212 Health care............................. 26 14 5 23 19 9 31 46 Entertainment........................... 119 45 50 39 69 82 108 218 Toys, games, hobbies, and tricycles... 57 27 34 24 25 51 62 90 Other entertainment................... 62 18 16 14 44 32 47 128 Education............................... 167 99 90 26 7 185 50 324 All other gifts......................... 101 31 25 47 37 50 139 189 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary