Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1993-94 Complete reporting of income Complete Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to and of income $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over __________________________________________________________________________________________ Number of consumer units (in thousands)... 12,364 897 842 788 1,691 1,772 1,871 2,354 2,149 Income before taxes 1/.................... $47,190 $4,562 $12,475 $17,394 $24,726 $34,777 $44,721 $58,795 $106,876 Income after taxes 1/..................... 43,094 4,057 12,556 16,974 23,548 32,362 41,108 53,936 95,029 Age of reference person................... 39.6 36.5 37.6 37.9 37.3 39.1 39.6 40.6 43.7 Average number in consumer unit:.......... Persons.................................. 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................ 1.7 2.2 2.0 1.8 1.7 1.7 1.6 1.6 1.4 Persons 65 and over...................... 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.1 Earners.................................. 2.0 1.1 1.2 1.5 1.8 2.1 2.2 2.2 2.4 Vehicles................................. 2.6 1.5 1.4 1.9 2.3 2.7 3.0 3.1 3.0 Percent distribution: Male..................................... 75 40 52 66 69 77 83 87 83 Female................................... 25 60 48 34 31 23 17 13 17 Percent homeowner........................ 71 37 30 42 60 74 76 88 94 With mortgage........................... 58 25 17 27 43 60 64 79 83 Without mortgage........................ 13 12 13 15 17 14 12 10 10 Renter................................... 29 63 70 58 40 26 24 12 6 Black.................................... 12 27 21 22 13 8 8 8 7 White and other.......................... 88 73 79 78 87 92 92 92 93 Elementary (1-8)......................... 5 9 15 11 7 3 2 1 2 High school (9-12)....................... 46 61 61 59 60 44 52 40 21 College.................................. 49 30 23 29 33 52 47 59 77 Never attended and other................. 0 0 1 0 0 0 0 0 0 At least one vehicle owned............... 93 72 77 90 95 99 98 97 96 Average annual expenditures............... $42,746 $23,017 $19,918 $26,336 $27,966 $36,575 $41,762 $50,259 $74,794 Food..................................... 6,283 4,429 4,163 5,106 4,594 5,524 6,570 7,177 8,861 Food at home............................ 3,904 3,528 3,376 3,852 3,250 3,479 4,057 4,311 4,517 Cereals and bakery products............ 627 504 574 570 474 561 651 694 782 Cereals and cereal products........... 241 248 256 227 190 222 242 248 276 Bakery products....................... 386 256 317 343 284 339 409 446 506 Meats, poultry, fish, and eggs......... 1,036 1,247 991 1,170 1,004 846 1,057 1,098 1,014 Beef.................................. 339 387 301 395 407 259 358 351 308 Pork.................................. 214 284 226 282 194 187 206 227 189 Other meats........................... 138 141 117 142 118 117 157 152 147 Poultry............................... 194 247 201 205 167 154 187 199 214 Fish and seafood...................... 111 147 98 101 83 90 111 129 121 Eggs.................................. 39 41 48 45 36 39 37 40 34 Dairy products......................... 426 339 359 376 345 416 453 449 520 Fresh milk and cream.................. 188 171 190 174 174 193 194 176 212 Other dairy products.................. 238 168 169 202 171 222 259 273 309 Fruits and vegetables.................. 594 483 465 550 447 525 589 673 775 Fresh fruits.......................... 174 147 112 155 138 150 168 196 240 Fresh vegetables...................... 184 163 150 174 136 154 164 217 244 Processed fruits...................... 130 80 117 105 87 122 137 145 176 Processed vegetables.................. 106 93 86 116 85 99 120 114 114 Other food at home..................... 1,221 955 987 1,185 980 1,132 1,308 1,398 1,427 Sugar and other sweets................ 157 122 121 169 117 146 163 205 169 Fats and oils......................... 108 117 103 107 92 107 113 110 109 Miscellaneous foods................... 555 429 465 520 435 504 578 642 665 Nonalcoholic beverages................ 341 270 274 368 299 321 384 360 385 Food prep. by cu, out-of-town trips... 60 17 24 21 37 54 71 82 98 Food away from home..................... 2,379 901 787 1,255 1,344 2,045 2,513 2,866 4,344 Alcoholic beverages...................... 295 140 109 65 194 275 251 405 512 Housing.................................. 13,107 7,904 7,426 8,395 8,820 10,894 12,309 15,041 22,819 Shelter................................. 7,124 3,910 4,142 4,529 4,624 6,133 6,754 8,145 12,575 Owned dwellings........................ 5,089 1,633 1,034 1,556 2,431 4,317 4,792 6,766 10,570 Mortgage interest and charges......... 3,325 919 615 831 1,536 2,835 3,111 4,623 6,884 Property taxes........................ 1,046 373 215 367 471 804 1,042 1,317 2,259 Maintenance, rep., ins., oth. exp..... 719 342 204 359 423 678 639 827 1,427 Rented dwellings....................... 1,619 2,159 3,057 2,907 2,072 1,605 1,622 855 846 Other lodging.......................... 416 118 51 65 121 211 341 524 1,159 Utilities, fuels, and public services... 2,671 2,238 1,982 2,380 2,340 2,446 2,582 2,889 3,516 Natural gas............................ 330 271 244 263 317 267 291 364 474 Electricity............................ 1,078 984 800 962 937 1,016 1,073 1,134 1,372 Fuel oil and other fuels............... 116 49 84 93 95 132 125 127 148 Telephone.............................. 814 695 654 817 732 706 777 880 1,039 Water and other public services........ 333 239 200 244 258 324 315 385 484 Household operations.................... 839 514 318 327 504 527 660 1,018 1,847 Personal services...................... 592 352 238 240 419 415 498 813 1,084 Other household expenses............... 246 162 80 87 85 112 162 205 762 Housekeeping supplies................... 548 423 336 364 383 448 501 660 837 Laundry and cleaning supplies.......... 155 154 145 142 123 152 146 161 185 Other household products............... 259 203 131 169 178 191 255 330 397 Postage and stationery................. 133 66 59 53 82 105 100 170 256 Household furnishings and equipment..... 1,926 818 650 796 969 1,341 1,812 2,330 4,043 Household textiles..................... 160 68 43 40 133 106 111 175 361 Furniture.............................. 454 239 236 189 323 350 327 484 994 Floor coverings........................ 127 25 7 12 39 28 73 275 275 Major appliances....................... 194 160 93 170 159 197 158 222 285 Small appliances, misc. housewares..... 113 59 32 55 51 106 81 143 224 Miscellaneous household equipment...... 877 267 238 330 265 554 1,063 1,031 1,904 Apparel and services..................... 2,438 1,573 1,420 1,806 1,704 2,070 2,350 2,624 4,075 Men and boys............................ 606 263 330 357 354 599 670 668 1,008 Men, 16 and over....................... 417 177 166 237 214 399 467 438 769 Boys, 2 to 15.......................... 189 86 164 120 139 200 203 230 238 Women and girls......................... 957 576 497 818 696 724 862 967 1,745 Women, 16 and over..................... 713 388 333 670 499 550 645 702 1,332 Girls, 2 to 15......................... 244 188 164 148 197 174 216 264 414 Children under 2........................ 164 148 120 117 181 173 153 190 169 Footwear................................ 396 399 306 297 310 373 387 451 486 Other apparel products and services..... 314 187 166 217 163 202 279 348 667 Transportation........................... 7,901 4,075 3,281 5,597 5,441 7,347 8,049 9,107 13,098 Vehicle purchases (net outlay).......... 3,557 1,833 1,071 3,029 2,340 3,360 3,610 3,876 6,168 Cars and trucks, new................... 1,708 431 275 554 846 1,003 1,458 1,876 4,518 Cars and trucks, used.................. 1,778 1,402 788 2,475 1,466 2,228 1,986 1,906 1,620 Other vehicles......................... 71 0 8 0 28 129 167 95 29 Gasoline and motor oil.................. 1,383 981 858 913 1,179 1,378 1,516 1,525 1,826 Other vehicle expenses.................. 2,596 1,088 1,255 1,468 1,732 2,347 2,720 3,233 4,246 Vehicle finance charges................ 375 121 159 238 270 387 479 481 482 Maintenance and repairs................ 874 444 605 513 577 789 938 1,130 1,260 Vehicle insurance...................... 908 372 356 554 632 897 930 1,141 1,429 Veh. rent., leas., licen., oth. chges.. 439 152 135 164 253 273 373 481 1,075 Public transportation................... 364 172 96 186 190 262 203 473 859 Health care.............................. 1,907 882 580 1,134 1,551 2,055 2,138 2,072 2,920 Health insurance........................ 837 430 274 583 672 1,007 909 912 1,165 Medical services........................ 706 240 159 265 601 747 795 751 1,204 Drugs................................... 254 178 111 221 198 207 303 290 358 Medical supplies........................ 109 34 36 65 80 94 131 118 193 Entertainment............................ 2,288 947 837 1,076 1,421 1,841 2,109 2,976 4,324 Fees and admissions..................... 587 214 100 123 222 359 473 779 1,468 Television, radios, sound equipment..... 752 359 441 507 570 696 776 875 1,164 Pets, toys, and playground equipment.... 435 255 193 266 294 400 476 555 644 Other supplies, equip., and services.... 514 119 103 180 335 386 384 767 1,047 Personal care products and services...... 534 339 278 391 371 499 536 634 798 Reading.................................. 193 81 77 76 122 160 181 251 360 Education................................ 697 492 119 240 211 459 571 805 1,744 Tobacco products and smoking supplies.... 342 262 371 371 451 347 371 354 228 Miscellaneous............................ 995 1,197 413 527 538 1,022 876 1,207 1,511 Cash contributions....................... 946 153 122 254 364 657 716 1,235 2,432 Personal insurance and pensions.......... 4,821 543 721 1,297 2,184 3,423 4,734 6,371 11,112 Life and other personal insurance....... 547 201 131 200 307 439 501 738 1,089 Pensions and Social Security............ 4,274 342 591 1,097 1,876 2,984 4,233 5,633 10,023 Money income before taxes 1/.............. 47,190 4,562 12,475 17,394 24,726 34,777 44,721 58,795 106,876 Wages and salaries....................... 40,776 3,405 5,997 12,122 20,808 29,217 40,885 54,000 91,189 Self-employment income................... 3,196 (2,462) 656 1,049 924 2,412 2,316 2,621 11,174 Soc. Sec., priv. and gov. retirement..... 1,093 421 1,401 1,572 1,350 1,116 511 954 1,514 Int., divid., rent. inc., property inc... 639 121 52 70 129 529 227 575 2,216 Unemp. and workers' compen., vet. ben.... 445 256 590 595 501 650 533 315 266 Pub. ass., supp. sec. inc., foodstamps... 621 2,675 3,322 1,396 494 180 67 15 34 Regular contributions for support........ 277 110 356 465 378 521 138 171 202 Other income............................. 142 36 102 127 141 152 44 144 282 Personal taxes 1/......................... 4,096 505 (81) 420 1,177 2,416 3,613 4,860 11,847 Federal income taxes..................... 3,039 341 (113) 247 771 1,744 2,611 3,487 9,160 State and local income taxes............. 860 18 18 145 321 524 818 1,098 2,282 Other taxes.............................. 197 146 14 27 85 148 185 275 405 Income after taxes 1/..................... 43,094 4,057 12,556 16,974 23,548 32,362 41,108 53,936 95,029 Net change in total assets and liabilities (3,200) 375 308 (27) (1,380) (82) (5,202) (8,701) (3,468) Net change in total assets............... 8,175 2,969 1,416 1,746 3,940 4,731 11,053 9,348 17,740 Net change in total liabilities.......... 11,376 2,595 1,108 1,773 5,320 4,813 16,256 18,049 21,207 Other money receipts...................... 589 4,239 108 63 139 690 271 318 290 Mortgage principal paid, owned property... (1,424) (676) (243) (509) (522) (956) (1,020) (2,294) (3,029) Estimated market value of owned home...... 84,118 30,022 25,029 29,160 38,237 65,547 75,488 105,400 185,647 Est. monthly rental value of owned home... 554 216 179 207 349 480 512 711 1,057 Gifts of goods and services............... 934 373 473 388 456 556 973 1,136 1,924 Food.................................... 84 30 17 28 14 24 162 85 182 Housing................................. 283 157 195 157 111 159 228 378 572 Housekeeping supplies................. 47 12 38 18 29 36 20 65 95 Household textiles.................... 18 5 6 0 1 2 17 8 64 Appliances and misc. housewares....... 25 2 3 18 9 19 26 49 36 Major appliances.................... 5 0 2 2 5 1 11 7 6 Small appl. and misc. housewares.... 20 2 1 16 4 19 14 42 30 Miscellaneous household equipment..... 80 13 69 42 15 59 62 119 157 Other housing......................... 113 125 80 78 57 43 103 137 220 Apparel and services.................... 273 56 221 141 161 224 325 287 480 Males 2 and over...................... 67 10 17 43 10 74 70 74 141 Females 2 and over.................... 119 18 127 82 54 71 146 118 226 Children under 2...................... 47 14 22 13 47 49 65 55 58 Other apparel products and services... 40 14 56 3 50 30 45 40 54 Jewelry and watches................. 14 5 1 3 8 8 15 21 28 All other apparel products and serv. 26 9 55 0 42 22 30 18 27 Transportation.......................... 46 4 4 12 17 21 47 97 80 Health care............................. 14 3 2 4 11 3 4 20 39 Entertainment........................... 76 26 23 30 53 34 91 108 139 Toys, games, hobbies, and tricycles... 29 10 9 20 19 13 50 36 43 Other entertainment................... 46 16 14 10 34 20 41 71 96 Education............................... 85 62 2 1 35 37 60 51 296 All other gifts......................... 73 35 10 16 52 54 57 111 137 __________________________________________ 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.