Table 5. Consumer units with reference person age 55-64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1992-93 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ____________________________________________________________________________________________________ Number of consumer units (in thousands)... 10018 541 1214 1153 856 1556 1287 887 1232 1292 Income before taxes 1/.................... 37838 1585 7329 12382 17326 24448 34444 44467 58559 113193 Income after taxes 1/..................... 34320 1467 7133 11992 16175 22705 32314 41188 52837 99190 Age of reference person................... 59.5 59.5 60.3 60.3 59.7 59.6 59.2 58.9 59.3 58.6 Average number in consumer unit:.......... Persons.................................. 2.3 1.7 1.8 2.1 2.3 2.3 2.3 2.5 2.6 2.7 Children under 18........................ 0.2 0.1 0.2 0.4 0.3 0.2 0.2 0.2 0.3 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0 0.1 0.1 0.1 Earners.................................. 1.4 0.8 0.5 0.9 1.2 1.3 1.6 1.8 1.9 2.1 Vehicles................................. 2.3 1.5 1.2 1.7 2 2.3 2.6 2.6 3.1 3.2 Percent distribution: Male..................................... 69 54 47 53 66 66 74 79 83 88 Female................................... 31 46 53 47 34 34 26 21 17 12 Percent homeowner........................ 80 68 57 66 70 82 87 84 93 98 With mortgage........................... 38 20 13 23 29 38 43 46 56 63 Without mortgage........................ 41 48 44 44 42 43 45 38 36 35 Renter................................... 20 32 43 34 30 18 13 16 7 2 Black.................................... 10 17 24 13 14 11 6 4 4 4 White and other.......................... 90 83 76 87 86 89 94 96 96 96 Elementary (1-8)......................... 15 24 37 23 25 16 7 9 3 2 High school (9-12)....................... 47 49 49 48 50 54 60 49 41 25 College.................................. 37 26 13 29 25 30 33 41 56 73 Never attended and other................. 0 1 1 0 0 0 0 1 0 0 At least one vehicle owned............... 90 76 70 85 89 93 98 98 97 97 Average annual expenditures............... 33373 19000 14634 19726 23681 26076 32939 36947 45342 70562 Food..................................... 4631 3561 2209 2954 3683 3915 5004 5477 5731 8219 Food at home............................ 2926 2427 1775 2234 2481 2824 3181 3127 3348 4344 Cereals and bakery products............ 449 343 277 325 340 416 500 475 511 723 Cereals and cereal products........... 146 131 89 121 118 151 188 135 137 209 Bakery products....................... 303 212 188 204 222 265 312 340 374 514 Meats, poultry, fish, and eggs......... 801 806 476 568 711 796 793 857 962 1162 Beef.................................. 238 199 126 157 217 245 255 298 296 314 Pork.................................. 184 242 115 158 182 179 176 206 213 226 Other meats........................... 116 85 69 79 80 134 112 133 151 155 Poultry............................... 135 144 107 88 117 119 130 113 163 214 Fish and seafood...................... 95 100 35 56 81 81 85 70 106 220 Eggs.................................. 33 37 24 30 33 38 36 35 35 33 Dairy products......................... 316 250 198 259 297 317 381 335 327 425 Fresh milk and cream.................. 134 117 101 131 129 135 159 140 138 148 Other dairy products.................. 182 133 97 127 168 183 221 195 190 277 Fruits and vegetables.................. 488 388 306 390 382 464 511 469 566 777 Fresh fruits.......................... 157 141 89 115 122 139 163 144 179 286 Fresh vegetables...................... 143 116 92 123 110 133 146 139 165 226 Processed fruits...................... 102 63 67 87 88 103 111 96 118 148 Processed vegetables.................. 86 68 58 65 61 89 91 89 105 117 Other food at home..................... 872 641 519 692 751 831 996 991 981 1257 Sugar and other sweets................ 122 95 87 82 112 123 124 164 141 155 Fats and oils......................... 94 74 74 77 77 98 113 83 113 103 Miscellaneous foods................... 368 258 196 324 263 364 470 415 373 540 Nonalcoholic beverages................ 227 197 142 187 219 215 211 279 241 341 Food prep. by cu, out-of-town trips... 61 17 20 22 80 31 77 50 112 117 Food away from home..................... 1704 1134 433 721 1203 1091 1823 2350 2383 3875 Alcoholic beverages...................... 317 127 133 156 117 209 235 220 384 1010 Housing.................................. 9568 6492 4880 6814 7234 8243 8528 9516 12124 19339 Shelter................................. 5032 3586 2477 3839 3748 4196 4264 5023 6402 10422 Owned dwellings........................ 3525 2292 1082 1952 2096 2852 3008 3436 4951 8714 Mortgage interest and charges......... 1617 704 300 866 742 1149 1220 1625 2409 4684 Property taxes........................ 1063 875 403 557 708 838 921 1083 1416 2512 Maintenance, rep., ins., oth. exp..... 845 713 379 529 646 865 868 728 1126 1518 Rented dwellings....................... 974 998 1281 1601 1315 978 855 1094 710 174 Other lodging.......................... 532 296 113 286 337 366 402 493 741 1534 Utilities, fuels, and public services... 2332 2008 1574 1859 2008 2283 2239 2376 2782 3505 Natural gas............................ 323 302 210 290 245 337 262 328 399 486 Electricity............................ 910 830 630 733 768 854 909 972 1066 1338 Fuel oil and other fuels............... 120 96 103 62 158 115 128 86 152 161 Telephone.............................. 684 560 446 560 607 680 640 676 819 1048 Water and other public services........ 294 220 186 214 230 297 299 313 345 472 Household operations.................... 354 196 84 132 174 238 220 313 509 1146 Personal services...................... 63 2 2 3 8 13 49 85 130 230 Other household expenses............... 291 194 82 129 165 225 171 228 379 916 Housekeeping supplies................... 472 324 267 354 358 419 522 417 644 760 Laundry and cleaning supplies.......... 125 110 68 129 73 120 150 122 162 155 Other household products............... 224 166 125 141 194 201 229 189 296 401 Postage and stationery................. 123 47 74 84 91 98 144 106 185 204 Household furnishings and equipment..... 1380 379 478 628 947 1107 1282 1387 1787 3506 Household textiles..................... 107 10 48 40 48 63 108 138 139 289 Furniture.............................. 310 79 91 236 261 192 258 261 486 770 Floor coverings........................ 133 1 4 46 28 178 56 83 81 514 Major appliances....................... 175 94 70 111 181 189 208 214 221 242 Small appliances, misc. housewares..... 117 28 29 42 66 87 102 97 144 367 Miscellaneous household equipment...... 538 167 236 154 362 398 550 595 716 1324 Apparel and services..................... 1667 1031 740 984 834 1444 1585 2210 2116 3373 Men and boys............................ 401 253 117 257 142 415 266 479 614 824 Men, 16 and over....................... 325 251 114 244 102 268 195 401 513 713 Boys, 2 to 15.......................... 76 2 4 13 40 147 71 78 101 111 Women and girls......................... 733 523 316 421 410 581 808 995 944 1392 Women, 16 and over..................... 682 516 298 381 382 550 747 898 857 1312 Girls, 2 to 15......................... 52 8 17 40 28 31 61 97 87 80 Children under 2........................ 51 6 22 43 31 63 39 76 54 92 Footwear................................ 240 153 218 158 118 209 231 338 190 452 Other apparel products and services..... 241 95 68 104 133 176 241 321 314 612 Transportation........................... 6164 3481 2963 4011 4489 4592 6487 6719 8730 12067 Vehicle purchases (net outlay).......... 2680 1230 1647 1883 2023 1550 2864 2666 3683 5636 Cars and trucks, new................... 1643 802 509 917 989 736 1878 1889 2547 3972 Cars and trucks, used.................. 1026 428 1137 959 1034 815 929 776 1135 1647 Other vehicles......................... 10 0 0 8 0 0 57 0 0 17 Gasoline and motor oil.................. 1056 792 514 689 878 1025 1120 1198 1480 1590 Other vehicle expenses.................. 2030 1313 737 1233 1355 1754 2257 2327 2949 3724 Vehicle finance charges................ 250 73 54 161 269 186 341 296 330 455 Maintenance and repairs................ 700 622 283 410 386 673 778 880 991 1141 Vehicle insurance...................... 775 499 328 532 532 643 887 902 1045 1389 Veh. rent., leas., licen., oth. chges.. 305 119 72 130 167 252 251 250 582 739 Public transportation................... 399 146 66 205 233 262 246 528 619 1117 Health care.............................. 2100 1656 1091 1558 2585 2007 2305 2265 2413 3021 Health insurance........................ 913 800 563 756 851 916 1095 950 902 1269 Medical services........................ 676 396 252 428 549 579 710 865 943 1196 Drugs................................... 364 376 230 308 362 437 383 330 402 404 Medical supplies........................ 148 85 45 66 823 74 118 121 166 152 Entertainment............................ 1538 746 469 866 1091 1207 1877 1672 2301 3019 Fees and admissions..................... 431 282 69 163 200 274 362 506 711 1169 Television, radios, sound equipment..... 491 279 246 344 393 411 538 596 641 839 Pets, toys, and playground equipment.... 293 121 108 224 279 257 318 368 385 499 Other supplies, equip., and services.... 323 64 45 134 219 266 660 203 564 512 Personal care products and services...... 432 248 280 217 393 408 403 481 568 727 Reading.................................. 198 90 78 113 121 161 201 231 317 393 Education................................ 231 30 36 88 102 105 152 192 349 849 Tobacco products and smoking supplies.... 323 321 234 272 356 335 357 435 322 310 Miscellaneous............................ 897 335 449 400 536 683 1101 1177 1544 1477 Cash contributions....................... 1655 327 545 430 773 653 1442 2068 1877 5856 Personal insurance and pensions.......... 3650 553 528 864 1367 2114 3261 4284 6565 10903 Life and other personal insurance....... 509 334 226 277 303 328 485 450 788 1204 Pensions and Social Security............ 3142 220 302 587 1064 1785 2776 3834 5777 9699 Money income before taxes 1/.............. 37838 1585 7329 12382 17326 24448 34444 44467 58559 113193 Wages and salaries....................... 26387 938 1476 4156 8803 13917 23876 32806 46867 85531 Self-employment income................... 2350 -1431 144 666 660 1770 1714 2340 3123 9234 Soc. Sec., priv. and gov. retirement..... 6223 1173 3847 5477 6007 6720 6955 6287 5352 10838 Int., divid., rent. inc., property inc... 1849 128 205 578 701 1046 1219 2059 2411 6926 Unemp. and workers' compen., vet. ben.... 423 167 390 488 605 441 279 617 450 344 Pub. ass., supp. sec. inc., foodstamps... 399 472 1123 802 415 392 132 154 60 87 Regular contributions for support........ 110 52 95 87 76 56 210 154 74 164 Other income............................. 95 85 48 128 59 105 60 50 223 68 Personal taxes 1/......................... 3518 118 197 389 1151 1743 2130 3279 5722 14003 Federal income taxes..................... 2574 -35 63 203 720 1232 1427 2394 4282 10629 State and local income taxes............. 674 -27 20 79 237 295 398 591 1153 2737 Other taxes.............................. 269 181 114 108 194 217 305 294 287 638 Income after taxes 1/..................... 34320 1467 7133 11992 16175 22705 32314 41188 52837 99190 Net change in total assets and liabilities -2311 985 -210 -1250 -913 -335 -641 2403 -5914 -11386 Net change in total assets............... 2161 974 78 -1872 -1681 1903 2516 6001 873 9311 Net change in total liabilities.......... 4472 -11 288 -622 -768 2238 3157 3599 6787 20696 Other money receipts...................... 855 67 35 99 846 277 816 146 1634 3114 Mortgage principal paid, owned property... -1324 -321 -180 -603 -662 -617 -823 -970 -2732 -4153 Estimated market value of owned home...... 89895 67570 38545 55914 68367 69265 82985 88529 119564 196464 Est. monthly rental value of owned home... 546 365 264 375 364 469 492 577 741 1097 Gifts of goods and services............... 1258 456 305 457 534 956 1039 1543 1809 3417 Food.................................... 104 77 31 21 41 63 69 119 114 361 Housing................................. 312 183 83 101 126 215 267 273 473 896 Housekeeping supplies................. 40 15 14 12 35 37 44 52 51 82 Household textiles.................... 20 3 4 4 3 20 26 4 31 53 Appliances and misc. housewares....... 54 20 7 10 26 29 58 78 53 180 Major appliances.................... 12 12 3 0 2 9 11 20 14 32 Small appl. and misc. housewares.... 42 8 5 10 24 19 47 58 39 148 Miscellaneous household equipment..... 85 52 19 17 24 70 83 60 158 213 Other housing......................... 113 92 40 58 39 59 55 79 180 370 Apparel and services.................... 378 31 83 161 151 430 334 540 602 722 Males 2 and over...................... 133 12 10 23 52 177 102 159 285 214 Females 2 and over.................... 141 8 54 89 52 121 115 208 198 308 Children under 2...................... 41 6 12 27 24 45 29 68 50 89 Other apparel products and services... 64 6 8 22 23 87 88 105 69 111 Jewelry and watches................. 23 5 1 12 7 35 33 41 25 33 All other apparel products and serv. 41 0 6 10 16 52 55 64 44 78 Transportation.......................... 91 11 10 61 34 34 92 81 134 293 Health care............................. 33 55 12 16 8 15 18 107 33 71 Entertainment........................... 107 33 34 40 74 101 120 148 141 216 Toys, games, hobbies, and tricycles... 50 14 12 27 32 46 62 71 74 89 Other entertainment................... 56 20 22 14 42 55 58 77 67 126 Education............................... 84 3 8 16 9 13 30 89 77 441 All other gifts......................... 149 63 43 41 92 86 110 186 235 417 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.