Table 2. Consumer units of two or more persons 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)... 59944 2011 4972 5718 5404 10472 8796 22571 Income before taxes 1/.................... 38663 1382 7712 12449 17328 24853 34541 68564 Income after taxes 1/..................... 35121 780 7720 12104 16702 23199 31848 61264 Age of reference person................... 46.1 45.2 47.6 50.8 50.3 46.7 43.5 44.4 Average number in consumer unit:.......... Persons.................................. 3.2 3 3 3 3 3.1 3.2 3.3 Children under 18........................ 1 1 1.1 0.9 0.9 0.9 1 1 Persons 65 and over...................... 0.3 0.3 0.4 0.6 0.6 0.4 0.2 0.1 Earners.................................. 1.7 1.2 0.9 1 1.3 1.6 1.9 2.1 Vehicles................................. 2.4 1.5 1.3 1.6 1.8 2.3 2.6 2.9 Percent distribution: Male..................................... 73 46 46 59 67 75 80 83 Female................................... 27 54 54 41 33 25 20 17 Percent homeowner........................ 70 49 45 55 62 64 73 85 With mortgage........................... 47 24 16 19 27 39 52 70 Without mortgage........................ 23 25 29 36 35 26 21 15 Renter................................... 30 51 55 45 38 36 27 15 Black.................................... 11 22 26 17 14 11 9 5 White and other.......................... 89 78 74 83 86 89 91 95 Elementary (1-8)......................... 9 14 25 20 17 10 5 3 High school (9-12)....................... 45 52 52 58 56 54 48 31 College.................................. 45 32 22 21 27 36 47 66 Never attended and other................. 0 2 1 1 0 0 0 0 At least one vehicle owned............... 92 75 69 85 90 95 97 99 Average annual expenditures............... 34494 18759 15330 19023 22129 26017 32934 51509 Food..................................... 5146 3468 3160 3667 3903 4263 5090 6824 Food at home............................ 3156 2310 2429 2709 2742 2839 3164 3741 Cereals and bakery products............ 471 301 345 397 410 421 470 570 Cereals and cereal products........... 169 125 134 152 155 157 161 196 Bakery products....................... 302 176 211 245 255 264 309 373 Meats, poultry, fish, and eggs......... 850 726 771 790 755 785 825 956 Beef.................................. 283 212 275 243 234 269 284 320 Pork.................................. 170 184 169 173 166 163 164 176 Other meats........................... 123 110 102 112 123 114 122 136 Poultry............................... 138 106 111 128 113 127 131 163 Fish and seafood...................... 99 76 75 91 81 78 85 127 Eggs.................................. 37 38 38 44 37 36 39 36 Dairy products......................... 366 253 274 315 324 336 378 428 Fresh milk and cream.................. 166 117 150 167 158 161 174 175 Other dairy products.................. 200 136 124 148 166 175 204 253 Fruits and vegetables.................. 506 378 381 437 443 454 497 604 Fresh fruits.......................... 155 114 111 127 134 133 151 191 Fresh vegetables...................... 149 113 115 136 133 134 144 175 Processed fruits...................... 114 77 79 99 102 103 110 138 Processed vegetables.................. 88 74 75 75 73 84 92 99 Other food at home..................... 962 652 658 769 810 842 994 1183 Sugar and other sweets................ 119 91 85 100 108 104 129 140 Fats and oils......................... 85 63 70 73 79 81 88 95 Miscellaneous foods................... 440 281 297 345 346 383 451 553 Nonalcoholic beverages................ 269 189 193 228 253 240 279 316 Food prep. by cu, out-of-town trips... 49 28 13 23 24 33 48 78 Food away from home..................... 1990 1158 731 958 1161 1424 1925 3083 Alcoholic beverages...................... 324 232 109 120 227 229 314 502 Housing.................................. 10206 6621 5331 5916 6736 7902 9511 14855 Shelter................................. 5529 3586 2708 2943 3474 4134 5021 8316 Owned dwellings........................ 3733 1909 1132 1254 1684 2198 3196 6510 Mortgage interest and charges......... 2329 1097 419 452 766 1201 1988 4364 Property taxes........................ 787 462 353 449 479 498 665 1253 Maintenance, rep., ins., oth. exp..... 618 350 359 353 438 499 543 893 Rented dwellings....................... 1402 1503 1492 1592 1629 1733 1523 1070 Other lodging.......................... 394 174 85 97 161 203 302 736 Utilities, fuels, and public services... 2195 1680 1608 1757 1913 2028 2170 2636 Natural gas............................ 276 207 230 233 234 226 269 340 Electricity............................ 897 695 654 729 789 841 896 1063 Fuel oil and other fuels............... 117 94 82 89 107 134 113 130 Telephone.............................. 661 529 486 525 589 610 650 790 Water and other public services........ 244 154 155 180 194 218 242 312 Household operations.................... 538 202 203 295 307 351 439 884 Personal services...................... 301 93 127 189 187 213 283 461 Other household expenses............... 237 110 75 106 120 138 155 423 Housekeeping supplies................... 524 382 281 353 336 414 509 734 Laundry and cleaning supplies.......... 148 152 103 121 117 130 148 179 Other household products............... 230 114 116 143 130 166 218 346 Postage and stationery................. 146 116 61 88 88 117 143 209 Household furnishings and equipment..... 1420 771 532 568 707 974 1372 2286 Household textiles..................... 126 124 52 55 60 99 115 192 Furniture.............................. 353 148 138 153 206 209 362 567 Floor coverings........................ 130 18 103 26 40 57 185 206 Major appliances....................... 169 112 86 92 130 155 169 227 Small appliances, misc. housewares..... 97 77 27 42 48 66 92 157 Miscellaneous household equipment...... 546 293 126 200 222 388 450 936 Apparel and services..................... 2028 1238 959 1126 1252 1393 1857 3103 Men and boys............................ 500 244 248 296 243 333 430 794 Men, 16 and over....................... 393 153 126 178 181 256 324 668 Boys, 2 to 15.......................... 106 92 123 118 62 77 106 126 Women and girls......................... 824 549 355 392 513 541 792 1277 Women, 16 and over..................... 698 483 299 326 438 439 658 1093 Girls, 2 to 15......................... 127 66 56 66 75 102 134 184 Children under 2........................ 104 98 85 94 54 94 102 129 Footwear................................ 292 171 142 194 271 217 267 407 Other apparel products and services..... 309 176 128 150 172 208 266 497 Transportation........................... 6215 2962 2486 3556 4167 4934 6423 9003 Vehicle purchases (net outlay).......... 2647 1024 988 1630 1802 1975 2804 3867 Cars and trucks, new................... 1372 359 291 576 840 866 1282 2300 Cars and trucks, used.................. 1248 664 681 1038 948 1098 1482 1528 Other vehicles......................... 27 0 17 15 14 11 40 39 Gasoline and motor oil.................. 1220 834 642 774 944 1147 1314 1557 Other vehicle expenses.................. 2022 944 710 1012 1249 1624 2029 3028 Vehicle finance charges................ 356 117 105 128 199 281 389 549 Maintenance and repairs................ 721 400 270 399 453 593 727 1051 Vehicle insurance...................... 697 345 267 379 463 580 689 1016 Veh. rent., leas., licen., oth. chges.. 249 82 68 106 134 170 224 413 Public transportation................... 327 160 147 140 172 188 275 551 Health care.............................. 1740 1159 981 1556 1693 1691 1713 2049 Health insurance........................ 696 462 429 641 718 726 737 754 Medical services........................ 652 424 253 493 510 593 603 880 Drugs................................... 289 207 243 331 350 287 283 285 Medical supplies........................ 103 66 55 91 115 86 91 129 Entertainment............................ 1720 1035 580 677 868 1119 1579 2833 Fees and admissions..................... 436 147 106 116 205 255 391 774 Television, radios, sound equipment..... 531 303 255 312 342 416 531 765 Pets, toys, and playground equipment.... 330 174 160 165 208 248 330 491 Other supplies, equip., and services.... 423 412 60 84 114 200 327 804 Personal care products and services...... 462 243 233 293 317 361 447 659 Reading.................................. 181 89 64 88 114 146 177 273 Education................................ 452 281 142 150 150 233 333 834 Tobacco products and smoking supplies.... 327 277 294 317 336 337 362 321 Miscellaneous............................ 978 479 345 401 631 706 1013 1505 Cash contributions....................... 1041 172 235 347 617 672 824 1828 Personal insurance and pensions.......... 3672 504 410 810 1115 2032 3292 6919 Life and other personal insurance....... 446 161 171 198 224 296 403 733 Pensions and Social Security............ 3227 343 239 612 891 1736 2889 6187 Money income before taxes 1/.............. 38663 1382 7712 12449 17328 24853 34541 68564 Wages and salaries....................... 29876 1264 2367 5593 9791 17426 27815 56025 Self-employment income................... 3044 -1819 162 477 493 1164 1758 6747 Soc. Sec., priv. and gov. retirement..... 3540 774 2614 4395 5424 4668 3331 2881 Int., divid., rent. inc., property inc... 1122 82 31 226 434 690 854 2151 Unemp. and workers' compen., vet. ben.... 275 37 167 209 310 345 315 281 Pub. ass., supp. sec. inc., foodstamps... 451 787 2143 1247 555 225 111 60 Regular contributions for support........ 254 122 141 243 242 246 269 293 Other income............................. 100 134 87 61 80 89 89 125 Personal taxes 1/......................... 3542 602 -8 346 626 1654 2692 7300 Federal income taxes..................... 2735 378 -56 204 431 1192 2056 5734 State and local income taxes............. 687 119 15 71 143 341 550 1386 Other taxes.............................. 119 105 33 71 52 120 87 180 Income after taxes 1/..................... 35121 780 7720 12104 16702 23199 31848 61264 Net change in total assets and liabilities 41 -1414 19 -945 -718 -558 -1239 1384 Net change in total assets............... 3831 -897 136 -135 388 1166 3098 8417 Net change in total liabilities.......... 3790 517 118 809 1106 1724 4337 7033 Other money receipts...................... 372 87 37 347 153 273 200 643 Mortgage principal paid, owned property... -710 -400 -193 -235 -258 -441 -611 -1244 Estimated market value of owned home...... 76401 44456 29977 41771 42709 50679 63791 123161 Est. monthly rental value of owned home... 467 261 201 265 299 341 419 713 Gifts of goods and services............... 1055 648 401 439 480 593 860 1818 Food.................................... 104 104 25 22 37 46 93 189 Housing................................. 290 205 85 95 131 178 240 500 Housekeeping supplies................. 45 19 16 26 22 32 45 69 Household textiles.................... 16 3 4 2 8 13 15 26 Appliances and misc. housewares....... 33 12 8 10 12 25 23 58 Major appliances.................... 6 5 2 2 3 8 4 10 Small appl. and misc. housewares.... 26 7 6 8 10 17 19 49 Miscellaneous household equipment..... 75 61 9 16 17 46 72 133 Other housing......................... 122 110 48 41 70 62 86 214 Apparel and services.................... 272 150 141 151 158 173 253 421 Males 2 and over...................... 74 56 35 52 41 52 56 115 Females 2 and over.................... 108 49 62 43 70 63 113 168 Children under 2...................... 42 28 28 26 21 33 43 60 Other apparel products and services... 47 17 16 30 27 26 41 78 Jewelry and watches................. 22 6 4 7 7 11 21 42 All other apparel products and serv. 25 11 11 23 20 15 19 37 Transportation.......................... 60 16 4 16 10 20 22 131 Health care............................. 28 40 11 48 8 10 16 44 Entertainment........................... 76 38 25 37 38 55 71 122 Toys, games, hobbies, and tricycles... 30 16 13 11 15 26 27 45 Other entertainment................... 46 22 13 25 22 29 44 76 Education............................... 112 53 24 9 16 31 48 248 All other gifts......................... 114 43 85 61 83 80 116 162 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary