Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1993-94 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)... 14,143 441 919 809 888 2,018 1,834 1,740 2,562 2,933 Income before taxes 1/.................... $49,030 $202 $7,317 $12,229 $17,181 $24,875 $34,721 $44,799 $58,636 $108,922 Income after taxes 1/..................... 43,977 (269) 6,962 11,951 16,293 22,083 31,692 40,847 52,908 96,249 Age of reference person................... 49.1 49.4 49.3 49.8 49 49 48.8 49 49.2 49 Average number in consumer unit:.......... Persons.................................. 2.8 2.2 2.2 2.3 2.4 2.5 2.7 2.9 3 3.1 Children under 18........................ 0.6 0.6 0.6 0.6 0.5 0.6 0.6 0.6 0.6 0.6 Persons 65 and over...................... 0 0 0 0 0 0 0 0 0 0 Earners.................................. 1.9 0.8 1 1.1 1.3 1.6 1.9 2.1 2.2 2.4 Vehicles................................. 2.6 1 1.1 1.5 1.7 2.4 2.4 2.9 3.1 3.3 Percent distribution: Male..................................... 69 54 45 53 47 65 63 74 80 84 Female................................... 31 46 55 47 53 35 37 26 20 16 Percent homeowner........................ 75 46 42 50 59 68 77 82 87 93 With mortgage........................... 56 25 21 24 31 45 55 60 70 83 Without mortgage........................ 19 21 21 26 28 23 22 22 17 10 Renter................................... 25 54 58 50 41 32 23 18 13 7 Black.................................... 11 22 22 19 16 10 11 8 7 6 White and other.......................... 89 78 78 81 84 90 89 92 93 94 Elementary (1-8)......................... 6 12 17 16 9 8 3 3 3 1 High school (9-12)....................... 41 46 52 50 61 52 49 40 38 18 College.................................. 53 41 31 32 29 40 48 57 59 80 Never attended and other................. 0 1 1 1 1 1 0 0 0 0 At least one vehicle owned............... 92 66 68 80 87 94 94 97 97 99 Average annual expenditures............... $42,783 $18,215 $14,457 $18,452 $20,955 $28,674 $33,257 $43,208 $49,678 $77,652 Food..................................... 5,661 2,682 2,556 3,472 3,414 4,234 4,979 6,233 6,271 8,760 Food at home............................ 3,260 2,071 1,896 2,501 2,508 2,746 3,119 3,673 3,629 4,133 Cereals and bakery products............ 510 281 313 344 387 385 489 573 587 673 Cereals and cereal products........... 186 117 112 147 149 147 166 230 205 234 Bakery products....................... 324 164 201 197 238 238 323 343 381 439 Meats, poultry, fish, and eggs......... 878 669 608 766 814 795 866 986 886 1,024 Beef.................................. 276 197 154 216 327 258 262 348 258 316 Pork.................................. 181 148 141 164 163 173 184 197 192 192 Other meats........................... 117 78 83 104 126 88 111 116 126 149 Poultry............................... 165 151 119 152 99 150 161 192 162 200 Fish and seafood...................... 104 71 75 86 66 88 114 96 118 134 Eggs.................................. 34 25 36 43 33 38 33 36 31 33 Dairy products......................... 339 216 188 293 240 285 323 388 367 436 Fresh milk and cream.................. 145 113 96 151 117 148 131 156 153 165 Other dairy products.................. 194 102 93 142 123 137 192 232 214 271 Fruits and vegetables.................. 519 378 279 413 353 423 482 541 617 677 Fresh fruits.......................... 164 116 96 135 89 132 144 143 221 219 Fresh vegetables...................... 162 132 79 158 121 129 149 164 176 219 Processed fruits...................... 108 86 46 75 67 80 103 127 126 145 Processed vegetables.................. 85 45 57 45 76 81 87 107 94 94 Other food at home..................... 1,015 527 508 685 714 859 959 1,186 1,172 1,323 Sugar and other sweets................ 127 57 94 79 93 109 150 158 145 138 Fats and oils......................... 90 62 56 79 63 75 83 105 99 110 Miscellaneous foods................... 428 215 166 276 344 320 404 501 489 589 Nonalcoholic beverages................ 297 181 180 235 181 270 282 339 360 353 Food prep. by cu, out-of-town trips... 73 12 11 17 33 85 39 82 79 131 Food away from home..................... 2,401 611 660 971 907 1,488 1,860 2,560 2,642 4,627 Alcoholic beverages...................... 314 168 54 153 157 178 270 326 341 581 Housing.................................. 12,333 6,114 5,601 6,627 7,222 8,657 9,370 12,039 13,045 22,261 Shelter................................. 6,881 3,516 3,100 3,915 4,052 4,904 5,176 6,456 7,208 12,643 Owned dwellings........................ 4,919 1,558 1,242 1,670 1,831 2,853 3,563 4,608 5,646 10,229 Mortgage interest and charges......... 2,959 721 708 904 975 1,657 2,042 2,778 3,331 6,418 Property taxes........................ 1,144 460 376 373 402 700 846 1,118 1,478 2,139 Maintenance, rep., ins., oth. exp..... 817 377 158 393 454 495 675 712 837 1,671 Rented dwellings....................... 1,336 1,822 1,800 2,124 1,943 1,730 1,362 1,323 977 749 Other lodging.......................... 626 135 58 120 278 321 251 525 584 1,665 Utilities, fuels, and public services... 2,545 1,383 1,733 1,739 2,087 2,139 2,324 2,617 2,774 3,510 Natural gas............................ 332 196 277 236 254 265 298 331 324 497 Electricity............................ 1,001 573 765 695 828 857 924 1,005 1,089 1,344 Fuel oil and other fuels............... 113 66 40 63 88 79 115 141 153 135 Telephone.............................. 794 449 476 568 714 688 712 840 851 1,081 Water and other public services........ 304 99 176 178 202 251 275 300 357 453 Household operations.................... 417 109 152 76 173 261 211 330 352 1,058 Personal services...................... 105 50 78 20 75 97 42 44 100 239 Other household expenses............... 312 59 74 55 98 164 169 286 252 819 Housekeeping supplies................... 530 362 212 259 252 368 416 554 630 868 Laundry and cleaning supplies.......... 136 119 101 107 86 130 127 144 154 162 Other household products............... 255 187 74 88 118 147 184 265 301 460 Postage and stationery................. 139 56 37 64 48 91 105 145 174 246 Household furnishings and equipment..... 1,959 744 403 638 658 985 1,243 2,082 2,081 4,183 Household textiles..................... 170 73 21 25 47 129 73 176 123 414 Furniture.............................. 383 58 67 146 143 249 206 337 406 877 Floor coverings........................ 209 50 4 47 23 40 151 242 284 448 Major appliances....................... 186 201 105 178 140 129 134 169 215 279 Small appliances, misc. housewares..... 106 32 29 54 37 72 81 106 119 201 Miscellaneous household equipment...... 906 330 176 187 268 367 597 1,053 935 1,963 Apparel and services..................... 2,235 956 1,096 1,081 1,102 1,412 1,552 2,263 2,664 3,982 Men and boys............................ 600 233 164 248 295 397 451 716 629 1,087 Men, 16 and over....................... 492 181 110 231 170 307 288 590 492 983 Boys, 2 to 15.......................... 108 52 54 17 125 90 163 125 137 104 Women and girls......................... 872 441 431 468 435 509 603 735 1,177 1,521 Women, 16 and over..................... 776 355 379 403 380 443 540 613 1,072 1,379 Girls, 2 to 15......................... 95 86 52 65 55 66 63 122 105 142 Children under 2........................ 61 17 72 21 26 61 42 60 90 76 Footwear................................ 325 155 333 200 186 235 242 416 390 419 Other apparel products and services..... 377 110 96 144 159 209 214 335 378 878 Transportation........................... 7,936 3,477 1,974 2,860 3,093 5,689 6,465 9,141 9,738 13,509 Vehicle purchases (net outlay).......... 3,394 1,227 443 793 834 2,336 2,631 4,343 4,480 5,829 Cars and trucks, new................... 1,816 426 0 0 247 687 936 2,559 2,326 4,010 Cars and trucks, used.................. 1,519 801 443 786 587 1,633 1,623 1,526 2,131 1,765 Other vehicles......................... 59 0 0 7 0 16 72 259 23 53 Gasoline and motor oil.................. 1,295 550 666 791 830 1,146 1,139 1,367 1,503 1,858 Other vehicle expenses.................. 2,761 1,478 753 1,086 1,292 1,959 2,342 2,930 3,268 4,752 Vehicle finance charges................ 339 75 44 124 204 262 323 376 421 542 Maintenance and repairs................ 942 375 348 431 459 657 848 1,034 1,089 1,563 Vehicle insurance...................... 964 432 272 370 441 737 836 1,147 1,171 1,528 Veh. rent., leas., licen., oth. chges.. 516 596 89 160 188 303 335 372 586 1,120 Public transportation................... 487 221 113 189 136 249 354 501 487 1,070 Health care.............................. 1,835 498 829 769 1,179 1,420 1,656 1,944 2,375 2,706 Health insurance........................ 746 251 231 323 467 598 712 812 883 1,148 Medical services........................ 661 73 290 209 424 492 588 706 958 938 Drugs................................... 302 126 180 178 217 239 254 302 376 433 Medical supplies........................ 126 49 129 59 71 90 102 124 158 188 Entertainment............................ 2,225 607 641 796 973 1,367 1,494 2,095 2,651 4,496 Fees and admissions..................... 602 167 154 105 118 257 307 593 611 1,511 Television, radios, sound equipment..... 658 229 290 309 395 441 631 691 808 1,028 Pets, toys, and playground equipment.... 407 112 139 208 229 302 389 373 556 629 Other supplies, equip., and services.... 558 98 58 175 231 366 167 438 676 1,327 Personal care products and services...... 510 241 208 227 264 418 489 472 685 748 Reading.................................. 218 85 63 93 104 131 191 232 274 377 Education................................ 977 418 184 392 334 568 429 648 1,181 2,308 Tobacco products and smoking supplies.... 346 273 290 393 343 413 393 306 407 258 Miscellaneous............................ 1,079 1737 305 491 843 842 865 1,100 1,256 1,582 Cash contributions....................... 1,653 509 159 104 390 590 1,140 982 2,025 4,228 Personal insurance and pensions.......... 5,459 451 497 994 1,537 2,755 3,965 5,428 6,768 11,856 Life and other personal insurance....... 695 102 130 210 247 460 523 584 691 1,568 Pensions and Social Security............ 4,764 350 367 784 1,291 2,296 3,442 4,844 6,077 10,288 Money income before taxes 1/.............. 49,030 202 7,317 12,229 17,181 24,875 34,721 44,799 58,636 108,922 Wages and salaries....................... 41,976 1,722 2,951 7,310 12,383 20,697 29,524 38,796 52,125 94,230 Self-employment income................... 3,557 (3,424) 420 888 831 1,081 2,248 3,777 3,517 9,578 Soc. Sec., priv. and gov. retirement..... 1,379 243 1,355 2,027 2,214 1,204 1,173 734 1,495 1,658 Int., divid., rent. inc., property inc... 873 72 168 83 190 409 404 570 752 2,538 Unemp. and workers' compen., vet. ben.... 389 152 166 432 490 590 351 371 280 444 Pub. ass., supp. sec. inc., foodstamps... 447 1,029 2,022 1,316 757 446 325 121 115 93 Regular contributions for support........ 268 205 195 74 215 314 526 361 186 194 Other income............................. 140 203 39 100 101 135 170 70 165 187 Personal taxes 1/......................... 5,052 471 355 278 887 2,792 3,029 3,952 5,729 12,674 Federal income taxes..................... 3,801 379 -6 158 565 2,106 2,198 2,889 4,220 9,839 State and local income taxes............. 1,033 48 41 89 264 520 632 905 1,231 2,494 Other taxes.............................. 218 45 321 31 59 166 198 158 278 340 Income after taxes 1/..................... 43,977 (269) 6,962 11,951 16,293 22,083 31,692 40,847 52,908 96,249 Net change in total assets and liabilities (2,149) 1497 1,894 5,781 2091 (2,764) -50 (5,981) (8,590) -423 Net change in total assets............... 4,530 1,501 1,293 4,794 2,995 -386 3,682 4,831 1,782 12,527 Net change in total liabilities.......... 6,679 5 -600 -986 904 2,379 3,732 10,812 10,372 12,950 Other money receipts...................... 931 802 65 211 220 455 522 2,195 849 1,539 Mortgage principal paid, owned property... (1,668) -248 -267 -429 -465 -723 (1,024) (2,237) (2,213) (3,265) Estimated market value of owned home...... 93,132 35,375 26,425 30,534 38,333 55,322 63,539 91,746 101,722 194,421 Est. monthly rental value of owned home... 601 250 213 229 322 417 480 584 698 1,091 Gifts of goods and services............... 1,767 640 407 577 929 1,215 973 1,605 2,188 3,522 Food.................................... 180 31 16 34 34 74 128 253 169 407 Housing................................. 416 180 110 143 171 299 183 411 502 835 Housekeeping supplies................. 51 24 16 19 19 19 35 52 76 93 Household textiles.................... 18 55 5 3 4 13 2 18 24 29 Appliances and misc. housewares....... 38 23 4 8 18 24 14 39 56 73 Major appliances.................... 11 22 0 6 0 14 4 2 23 13 Small appl. and misc. housewares.... 28 1 4 2 18 10 10 36 33 60 Miscellaneous household equipment..... 102 46 21 37 41 39 68 89 153 195 Other housing......................... 206 32 65 76 89 204 65 214 193 445 Apparel and services.................... 323 119 155 166 239 249 259 318 380 508 Males 2 and over...................... 95 101 28 60 81 71 133 91 68 144 Females 2 and over.................... 115 8 45 47 125 48 59 117 139 218 Children under 2...................... 50 9 61 18 15 46 27 46 82 67 Other apparel products and services... 63 0 21 41 17 83 40 64 91 79 Jewelry and watches................. 28 0 1 13 10 25 16 21 59 35 All other apparel products and serv. 35 0 20 28 8 58 24 44 32 44 Transportation.......................... 89 1 6 29 6 57 97 86 161 127 Health care............................. 57 14 4 9 47 24 25 36 125 91 Entertainment........................... 129 20 36 46 83 85 80 128 178 230 Toys, games, hobbies, and tricycles... 42 10 14 20 45 30 25 59 60 52 Other entertainment................... 87 10 22 26 38 55 55 69 118 178 Education............................... 397 82 53 80 197 307 94 165 434 1,058 All other gifts......................... 177 194 28 71 151 120 108 208 239 265 __________________________________________ 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.