Table 5. Consumer units with reference person age 55-64 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)... 9,784 537 1,044 1,016 837 1,450 1,357 903 1,278 1,363 Income before taxes 1/.................... $39,365 $2,394 $7,374 $12,409 $17,254 $24,729 $34,530 $44,462 $58,869 $110,840 Income after taxes 1/..................... 36,006 2,360 7,091 11,917 16,744 23,254 32,261 41,009 53,212 99,055 Age of reference person................... 59.5 59.6 60.3 60.5 60.2 59.8 59.1 58.9 59.1 58.6 Average number in consumer unit:.......... Persons.................................. 2.2 1.7 1.7 1.9 2.2 2.3 2.2 2.4 2.5 2.5 Children under 18........................ 0.2 0.1 0.1 0.2 0.3 0.2 0.2 0.2 0.2 0.1 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 Earners.................................. 1.4 0.7 0.6 0.8 1.1 1.3 1.4 1.7 1.9 2 Vehicles................................. 2.3 1.6 1.2 1.5 2 2.2 2.6 2.6 3 3 Percent distribution: Male..................................... 68 53 41 47 66 66 69 76 85 88 Female................................... 32 47 59 53 34 34 31 24 15 12 Percent homeowner........................ 80 69 55 63 69 85 84 90 92 97 With mortgage........................... 38 23 12 24 24 36 42 50 45 64 Without mortgage........................ 42 46 42 39 45 49 43 39 47 33 Renter................................... 20 31 45 37 31 15 16 10 8 3 Black.................................... 9 14 19 12 12 12 7 6 4 4 White and other.......................... 91 86 81 88 88 88 93 94 96 96 Elementary (1-8)......................... 13 22 33 24 19 13 7 9 4 2 High school (9-12)....................... 45 46 50 47 54 49 55 48 37 25 College.................................. 41 31 16 28 28 39 38 42 59 73 Never attended and other................. 0 1 1 0 0 0 0 1 0 0 At least one vehicle owned............... 90 77 68 80 89 93 98 98 96 96 Average annual expenditures............... $34,404 $20,619 $15,832 $18,999 $23,172 $26,082 $32,229 $36,925 $45,787 $71,721 Food..................................... 4,710 3,331 2,406 2,885 4,084 3,725 4,724 5,287 6,140 8,374 Food at home............................ 2,920 2,038 1,960 2,149 2,754 2,673 2,947 3,091 3,535 4,329 Cereals and bakery products............ 444 257 279 358 428 386 453 459 554 688 Cereals and cereal products........... 148 100 94 139 118 150 164 146 135 235 Bakery products....................... 296 157 185 219 309 236 288 313 419 453 Meats, poultry, fish, and eggs......... 820 680 586 529 848 739 772 889 1000 1,196 Beef.................................. 253 198 157 143 233 218 263 359 324 341 Pork.................................. 182 166 169 166 231 147 148 166 218 237 Other meats........................... 109 72 80 66 97 109 96 116 140 166 Poultry............................... 139 94 102 78 157 138 130 136 157 211 Fish and seafood...................... 105 120 52 44 98 94 100 78 130 209 Eggs.................................. 32 30 25 31 32 32 34 35 32 33 Dairy products......................... 304 204 202 218 302 293 367 310 338 405 Fresh milk and cream.................. 127 83 102 121 131 122 150 120 131 149 Other dairy products.................. 177 120 101 97 170 170 218 190 207 256 Fruits and vegetables.................. 480 323 318 345 382 472 486 460 570 773 Fresh fruits.......................... 151 90 99 84 110 150 154 146 190 253 Fresh vegetables...................... 149 133 102 100 128 143 151 123 157 260 Processed fruits...................... 93 49 59 89 80 86 98 91 110 140 Processed vegetables.................. 88 50 57 71 64 93 84 100 113 121 Other food at home..................... 872 575 575 700 796 783 869 973 1,074 1,267 Sugar and other sweets................ 121 72 86 109 111 117 123 120 151 163 Fats and oils......................... 89 72 85 69 65 87 98 80 121 94 Miscellaneous foods................... 348 243 226 287 255 320 387 362 405 532 Nonalcoholic beverages................ 251 155 164 205 330 214 186 343 298 358 Food prep. by cu, out-of-town trips... 62 34 15 29 35 46 75 68 99 119 Food away from home..................... 1,790 1,293 445 736 1,329 1,053 1,777 2,196 2,605 4,045 Alcoholic beverages...................... 302 343 165 134 126 205 291 294 459 620 Housing.................................. 10,078 7,007 5,081 6,748 6,811 8,193 9,060 9,900 12,339 20,755 Shelter................................. 5,140 3,709 2,374 3,545 3,597 3,898 4,508 5,075 6,324 10,842 Owned dwellings........................ 3,640 2,256 948 1,693 2,018 2,664 3,069 3,831 4,928 8,967 Mortgage interest and charges......... 1,659 664 224 658 659 1,013 1,274 1,603 2,519 4,816 Property taxes........................ 1,128 844 422 553 704 917 1,053 1,304 1,407 2,388 Maintenance, rep., ins., oth. exp..... 853 749 302 482 655 734 742 923 1002 1,762 Rented dwellings....................... 959 1116 1,225 1,625 1,372 894 1,090 772 706 244 Other lodging.......................... 541 337 201 228 208 339 349 473 691 1,632 Utilities, fuels, and public services... 2,409 2,030 1,645 1,777 1,993 2,337 2,292 2,478 2,742 3,702 Natural gas............................ 332 277 188 282 262 317 315 324 390 526 Electricity............................ 957 844 719 712 773 902 911 1,015 1,075 1,437 Fuel oil and other fuels............... 116 152 74 61 157 138 108 126 123 119 Telephone.............................. 702 536 483 517 566 698 647 697 779 1,146 Water and other public services........ 302 220 181 206 236 283 311 316 375 474 Household operations.................... 372 283 77 119 234 244 205 300 476 1,159 Personal services...................... 58 5 0 1 10 27 18 109 97 195 Other household expenses............... 314 278 77 118 224 217 187 191 379 965 Housekeeping supplies................... 488 363 267 371 309 416 523 540 704 740 Laundry and cleaning supplies.......... 134 162 71 142 98 99 151 162 176 164 Other household products............... 213 150 141 109 119 199 236 197 302 354 Postage and stationery................. 141 51 55 120 92 118 136 181 226 221 Household furnishings and equipment..... 1,670 621 718 936 678 1,299 1,532 1,507 2,093 4,312 Household textiles..................... 128 8 72 74 16 109 111 187 248 216 Furniture.............................. 332 135 146 241 218 170 399 338 429 699 Floor coverings........................ 251 5 18 195 37 282 58 74 63 1,206 Major appliances....................... 176 145 124 113 152 168 177 179 186 285 Small appliances, misc. housewares..... 96 34 34 35 68 71 88 113 171 183 Miscellaneous household equipment...... 687 295 324 277 186 498 700 615 995 1,722 Apparel and services..................... 1,601 734 940 893 947 1,328 1,414 1,562 2,138 3,430 Men and boys............................ 375 98 148 257 292 290 285 338 574 835 Men, 16 and over....................... 317 95 145 222 189 263 246 282 478 690 Boys, 2 to 15.......................... 59 3 4 35 103 27 39 56 96 145 Women and girls......................... 709 395 411 380 359 629 671 679 863 1,560 Women, 16 and over..................... 659 387 395 334 285 589 618 579 821 1,491 Girls, 2 to 15......................... 50 8 16 47 74 40 53 100 42 69 Children under 2........................ 51 10 15 58 20 40 31 91 52 116 Footwear................................ 228 132 294 95 139 201 221 187 286 371 Other apparel products and services..... 237 99 72 103 138 168 207 267 361 548 Transportation........................... 6,464 4,900 2,793 3,418 5,192 5,030 5,961 6,769 8,294 13,062 Vehicle purchases (net outlay).......... 2,813 2,552 1,371 1,339 2,557 2,149 2,529 2,616 3,111 6,119 Cars and trucks, new................... 1,665 1,562 335 532 1,481 1,300 1,663 1,239 2,066 3,977 Cars and trucks, used.................. 1,133 878 1,037 807 1076 848 812 1,370 1,035 2,142 Other vehicles......................... 16 111 0 0 0 2 54 7 10 0 Gasoline and motor oil.................. 1,045 737 560 698 880 963 1,066 1,234 1,312 1,587 Other vehicle expenses.................. 2,155 1,242 781 1,171 1,550 1,717 2,059 2,389 3,135 4,169 Vehicle finance charges................ 234 71 71 133 187 209 255 271 333 414 Maintenance and repairs................ 739 567 301 403 591 613 646 1,007 1,086 1,212 Vehicle insurance...................... 782 471 352 479 545 672 874 809 1,063 1,352 Veh. rent., leas., licen., oth. chges.. 400 134 57 156 227 224 284 302 653 1,190 Public transportation................... 451 369 82 210 205 201 308 529 737 1,187 Health care.............................. 2,152 1,469 1,294 1,619 2,368 1,833 2,231 2,414 2,688 2,950 Health insurance........................ 927 664 593 832 943 875 970 981 1,063 1,193 Medical services........................ 713 503 401 341 453 542 768 979 1009 1,144 Drugs................................... 357 216 252 358 327 349 383 344 464 410 Medical supplies........................ 156 86 48 89 645 66 111 110 152 203 Entertainment............................ 1,565 854 751 811 885 1,232 1,723 1,736 2,013 3,124 Fees and admissions..................... 472 343 136 214 224 270 395 462 576 1,324 Television, radios, sound equipment..... 493 317 235 292 391 422 509 656 649 779 Pets, toys, and playground equipment.... 285 129 137 201 211 204 302 340 424 481 Other supplies, equip., and services.... 315 65 243 103 58 336 517 278 363 541 Personal care products and services...... 415 211 278 244 330 331 437 498 520 722 Reading.................................. 206 121 101 112 137 173 193 233 297 379 Education................................ 283 156 48 157 101 113 124 201 272 1,121 Tobacco products and smoking supplies.... 315 287 293 248 274 316 344 404 350 297 Miscellaneous............................ 943 583 600 393 410 696 1,045 1,378 1,528 1,430 Cash contributions....................... 1,462 224 540 468 333 981 1,301 1,863 1,848 4,131 Personal insurance and pensions.......... 3,908 399 541 869 1,174 1,927 3,380 4,386 6,901 11,325 Life and other personal insurance....... 554 229 249 282 254 346 484 565 833 1,327 Pensions and Social Security............ 3,354 169 292 587 919 1,580 2,896 3,821 6,068 9,998 Money income before taxes 1/.............. 39,365 2,394 7,374 12,409 17,254 24,729 34,530 44,462 58,869 110,840 Wages and salaries....................... 28,353 812 1,463 4,433 8,684 13,488 23,923 33,419 45,505 90,506 Self-employment income................... 1,913 -138 69 705 143 1,527 1,437 1,597 4,631 4,667 Soc. Sec., priv. and gov. retirement..... 6,465 1018 4,172 5,521 6,934 7,496 7,208 7,311 5,772 9,037 Int., divid., rent. inc., property inc... 1,680 157 217 278 398 1,232 1,082 1,308 2,308 5,967 Unemp. and workers' compen., vet. ben.... 398 123 223 531 573 496 392 536 391 253 Pub. ass., supp. sec. inc., foodstamps... 334 313 1,149 681 375 314 117 142 42 72 Regular contributions for support........ 128 78 72 129 74 86 282 100 39 213 Other income............................. 94 31 9 131 72 90 90 48 181 126 Personal taxes 1/......................... 3,359 34 282 491 510 1,475 2,269 3,453 5,657 11,785 Federal income taxes..................... 2,471 -44 125 273 321 996 1,584 2,495 4,245 8,995 State and local income taxes............. 647 -10 33 111 107 245 458 599 1,137 2,298 Other taxes.............................. 240 88 124 107 82 234 227 358 275 493 Income after taxes 1/..................... 36,006 2,360 7,091 11,917 16,744 23,254 32,261 41,009 53,212 99,055 Net change in total assets and liabilities (1,031) (3,802) (1,762) (1,115) (2,534) 4,818 2,959 -1829 (4,603) (4,715) Net change in total assets............... 4,035 3,793 -607 (1,860) (1,517) 8,360 5,232 3,201 1,552 12,574 Net change in total liabilities.......... 5,066 7,596 1,155 -745 1,017 3,542 2,273 5,030 6,155 17,289 Other money receipts...................... 679 382 127 157 492 713 1,129 847 1,214 626 Mortgage principal paid, owned property... (1,277) -421 -163 -779 -591 -514 (1,079) -827 (2,307) (3,600) Estimated market value of owned home...... 92,434 66,323 37,677 50,368 57,425 71,526 85,128 92,327 121,460 199,908 Est. monthly rental value of owned home... 596 446 271 388 400 502 569 606 762 1,144 Gifts of goods and services............... 1,352 557 455 585 507 923 1,054 1,493 2,134 3,406 Food.................................... 121 19 36 31 46 87 75 182 198 312 Housing................................. 336 276 108 99 124 283 238 300 618 758 Housekeeping supplies................. 54 22 18 25 14 70 41 93 77 88 Household textiles.................... 23 0 2 4 1 30 14 13 55 51 Appliances and misc. housewares....... 39 22 15 6 18 32 44 44 66 76 Major appliances.................... 10 0 5 0 2 10 17 21 12 17 Small appl. and misc. housewares.... 29 22 9 6 15 22 27 23 55 59 Miscellaneous household equipment..... 96 74 13 23 31 62 97 50 218 221 Other housing......................... 125 158 59 41 60 90 43 101 201 322 Apparel and services.................... 340 29 149 160 97 245 325 388 604 757 Males 2 and over...................... 101 9 26 52 9 61 102 80 241 217 Females 2 and over.................... 137 7 86 51 40 117 139 147 168 344 Children under 2...................... 41 10 8 34 19 20 30 74 48 105 Other apparel products and services... 61 2 28 23 29 46 53 86 147 91 Jewelry and watches................. 24 2 1 11 8 38 18 25 61 23 All other apparel products and serv. 37 0 27 13 20 8 36 60 86 67 Transportation.......................... 81 23 30 41 78 33 88 91 136 162 Health care............................. 30 65 13 24 5 22 19 43 37 57 Entertainment........................... 102 30 44 30 50 92 109 140 136 206 Toys, games, hobbies, and tricycles... 49 8 17 13 27 47 56 92 76 74 Other entertainment................... 53 22 26 17 23 45 52 49 60 132 Education............................... 150 8 5 122 4 51 32 129 87 724 All other gifts......................... 191 106 71 79 103 110 168 219 318 430 __________________________________________ 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.