Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 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)... 14,822 452 970 699 868 2,128 1,903 1,764 2,804 3,235 Income before taxes 1/.................... $50,548 ($2,373) $7,311 $12,233 $17,523 $24,975 $34,711 $44,600 $58,583 $110,470 Income after taxes 1/..................... 45,601 (2,669) 6,967 11,941 16,887 23,050 31,896 40,910 52,863 98,072 Age of reference person................... 49.1 49.5 49.4 49.7 49.1 49.2 48.7 49 49.1 49.1 Average number in consumer unit:.......... Persons.................................. 2.8 2 2.2 2.3 2.5 2.5 2.8 2.8 3.1 3.2 Children under 18........................ 0.6 0.6 0.5 0.5 0.6 0.5 0.7 0.6 0.7 0.7 Persons 65 and over...................... 0 0 0.1 0 0.1 0 0 0 0 0 Earners.................................. 1.9 0.7 0.9 1.1 1.4 1.6 1.9 2 2.3 2.4 Vehicles................................. 2.6 1.4 1.2 1.5 1.9 2.3 2.5 2.9 3.1 3.3 Percent distribution: Male..................................... 68 47 42 48 49 64 65 71 78 82 Female................................... 32 53 58 52 51 36 35 29 22 18 Percent homeowner........................ 76 47 40 46 62 66 74 83 88 93 With mortgage........................... 57 22 21 23 35 45 51 64 71 80 Without mortgage........................ 19 25 19 23 27 21 23 19 17 13 Renter................................... 24 53 60 54 38 34 26 17 12 7 Black.................................... 11 22 22 21 17 12 11 10 6 5 White and other.......................... 89 78 78 79 83 88 89 90 94 95 Elementary (1-8)......................... 5 8 13 10 10 8 5 4 2 1 High school (9-12)....................... 42 59 58 55 60 56 47 42 37 19 College.................................. 53 32 27 34 30 36 47 54 61 80 Never attended and other................. 0 1 2 1 0 0 0 0 0 0 At least one vehicle owned............... 92 59 65 82 86 95 92 96 98 99 Average annual expenditures............... $43,910 $20,416 $15,842 $19,310 $23,931 $29,771 $35,051 $42,310 $51,203 $74,747 Food..................................... 5,770 3,037 2,993 3,751 3,532 4,709 4,688 5,962 6,461 8,371 Food at home............................ 3,342 1,968 2,306 2,620 2,601 3,103 3,165 3,429 3,657 4,065 Cereals and bakery products............ 521 269 368 390 370 469 484 533 572 661 Cereals and cereal products........... 188 95 145 153 149 184 171 208 167 245 Bakery products....................... 333 174 223 236 221 285 312 326 405 417 Meats, poultry, fish, and eggs......... 910 648 805 809 859 917 933 869 912 1,015 Beef.................................. 287 231 230 272 313 272 313 293 265 313 Pork.................................. 186 94 200 184 188 229 177 160 175 198 Other meats........................... 117 78 101 117 100 108 116 106 119 140 Poultry............................... 173 165 144 147 129 169 193 178 161 194 Fish and seafood...................... 115 58 77 53 93 101 98 101 157 141 Eggs.................................. 34 23 52 35 36 38 37 30 34 29 Dairy products......................... 352 220 208 282 261 321 347 363 382 432 Fresh milk and cream.................. 146 105 99 149 119 149 153 136 154 161 Other dairy products.................. 206 116 109 133 143 172 194 227 228 271 Fruits and vegetables.................. 525 306 333 380 426 480 492 520 580 659 Fresh fruits.......................... 161 88 97 116 125 144 131 136 193 215 Fresh vegetables...................... 168 106 105 137 143 143 167 167 171 215 Processed fruits...................... 107 64 60 72 74 95 104 112 120 134 Processed vegetables.................. 90 48 71 56 84 97 90 105 95 95 Other food at home..................... 1,034 523 591 759 686 915 910 1,144 1,211 1,297 Sugar and other sweets................ 133 76 105 78 74 109 159 156 149 155 Fats and oils......................... 89 45 67 84 54 90 92 108 81 104 Miscellaneous foods................... 440 226 181 312 321 356 357 476 525 588 Nonalcoholic beverages................ 304 163 216 264 211 299 256 318 376 345 Food prep. by cu, out-of-town trips... 67 15 23 21 26 61 45 86 80 105 Food away from home..................... 2,428 1,070 688 1,131 930 1,606 1,523 2,533 2,804 4,306 Alcoholic beverages...................... 356 113 85 189 210 141 271 330 490 601 Housing.................................. 12,811 6,938 5,614 7,031 7,995 9,280 10,110 11,718 13,630 21,962 Shelter................................. 7,250 3,998 3,311 4,333 4,522 5,213 5,746 6,344 7,395 12,840 Owned dwellings........................ 5,271 1,496 1,233 1,740 2,177 2,996 3,962 4,800 5,938 10,548 Mortgage interest and charges......... 3,129 611 581 910 1,198 1,888 2,344 2,854 3,534 6,319 Property taxes........................ 1,220 458 465 372 457 640 888 1,103 1,432 2,398 Maintenance, rep., ins., oth. exp..... 922 426 188 457 522 467 730 843 971 1,831 Rented dwellings....................... 1,350 2,314 2,023 2,250 1,976 1,947 1,497 1,122 878 705 Other lodging.......................... 629 188 55 342 370 270 287 423 580 1,587 Utilities, fuels, and public services... 2,582 1,554 1,685 1,883 2,252 2,119 2,401 2,552 2,820 3,456 Natural gas............................ 324 191 252 268 231 246 293 328 328 466 Electricity............................ 1,004 652 691 720 912 841 935 966 1,104 1,313 Fuel oil and other fuels............... 98 66 54 47 78 69 108 97 114 129 Telephone.............................. 837 493 524 601 799 718 764 836 906 1,102 Water and other public services........ 320 152 164 248 233 245 301 325 367 445 Household operations.................... 448 138 110 101 340 175 193 362 367 1,145 Personal services...................... 111 53 44 34 127 31 69 113 129 211 Other household expenses............... 338 85 66 67 213 144 124 249 237 935 Housekeeping supplies................... 532 409 180 276 205 427 412 550 631 792 Laundry and cleaning supplies.......... 135 110 89 114 76 123 146 128 148 164 Other household products............... 244 188 54 109 79 185 172 260 277 395 Postage and stationery................. 153 112 38 53 49 119 94 162 205 233 Household furnishings and equipment..... 1,999 839 328 438 675 1,346 1,359 1,910 2,417 3,729 Household textiles..................... 162 99 43 11 56 139 84 106 238 287 Furniture.............................. 387 110 35 105 168 215 264 324 438 824 Floor coverings........................ 243 0 18 5 25 296 155 158 272 467 Major appliances....................... 193 227 45 112 118 136 155 193 275 260 Small appliances, misc. housewares..... 106 24 35 49 39 73 94 72 117 199 Miscellaneous household equipment...... 909 378 152 156 269 486 606 1,056 1,077 1,692 Apparel and services..................... 2,268 1,135 952 981 1,118 1,606 1,574 2,115 2,786 3,770 Men and boys............................ 585 234 138 237 193 421 402 531 720 1,032 Men, 16 and over....................... 486 172 80 210 149 357 292 411 575 914 Boys, 2 to 15.......................... 100 62 58 27 44 64 110 120 145 118 Women and girls......................... 913 504 289 375 354 626 666 890 1,191 1,459 Women, 16 and over..................... 804 402 258 270 303 542 544 782 1,056 1,323 Girls, 2 to 15......................... 109 103 32 105 51 83 123 108 135 136 Children under 2........................ 62 25 81 16 45 45 76 48 91 67 Footwear................................ 347 217 329 224 134 295 241 352 436 465 Other apparel products and services..... 361 154 114 129 392 220 188 295 348 748 Transportation........................... 8,259 3,402 2,598 2,670 4,188 6,120 7,206 9,469 10,625 12,254 Vehicle purchases (net outlay).......... 3,658 1,646 951 645 1,573 2,807 3,350 4,745 5,057 4,897 Cars and trucks, new................... 1,554 415 224 135 100 512 830 2,459 2,284 2,792 Cars and trucks, used.................. 2,020 1,230 727 493 1,473 2,280 2,450 2,056 2,670 1,990 Other vehicles......................... 84 0 0 17 0 15 69 229 103 115 Gasoline and motor oil.................. 1,329 493 696 750 858 1,093 1,212 1,371 1,589 1,864 Other vehicle expenses.................. 2,801 1,141 790 1,069 1,593 1,943 2,276 2,949 3,522 4,502 Vehicle finance charges................ 362 68 65 99 329 261 335 408 421 564 Maintenance and repairs................ 972 392 315 435 513 710 772 1,059 1,343 1,414 Vehicle insurance...................... 961 418 305 426 577 688 889 1,054 1,150 1,460 Veh. rent., leas., licen., oth. chges.. 506 262 104 109 175 283 279 429 609 1,064 Public transportation................... 472 123 161 207 164 277 368 404 456 991 Health care.............................. 1,868 760 890 951 989 1,477 1,619 1,793 2,422 2,710 Health insurance........................ 786 277 261 413 432 729 739 839 840 1,180 Medical services........................ 671 272 380 283 327 414 534 573 1,052 964 Drugs................................... 284 190 186 206 171 234 263 266 342 371 Medical supplies........................ 127 21 63 50 59 101 83 115 188 195 Entertainment............................ 2,257 642 657 657 1,110 1,401 1,862 1,881 2,609 4,319 Fees and admissions..................... 587 183 142 144 175 196 291 481 618 1,444 Television, radios, sound equipment..... 669 215 316 292 433 418 613 652 858 1,029 Pets, toys, and playground equipment.... 434 151 93 174 237 332 428 354 579 680 Other supplies, equip., and services.... 567 93 106 47 265 454 531 395 553 1,166 Personal care products and services...... 547 278 214 208 261 464 491 544 754 737 Reading.................................. 211 69 65 94 115 123 173 208 259 365 Education................................ 948 374 171 291 396 409 428 513 1,083 2,327 Tobacco products and smoking supplies.... 343 300 332 320 371 368 371 300 412 281 Miscellaneous............................ 1,109 2,357 244 539 741 629 1,375 1,159 1,244 1,427 Cash contributions....................... 1,667 350 546 541 1,256 575 1,232 1,083 1,726 3,784 Personal insurance and pensions.......... 5,497 660 480 1,086 1,650 2,471 3,652 5,234 6,703 11,839 Life and other personal insurance....... 603 251 163 294 277 383 419 560 714 1,118 Pensions and Social Security............ 4,895 409 317 791 1,373 2,088 3,233 4,673 5,989 10,722 Money income before taxes 1/.............. 50,548 (2,373) 7,311 12,233 17,523 24,975 34,711 44,600 58,583 110,470 Wages and salaries....................... 43,622 1,653 2,926 7,741 13,068 21,059 29,302 39,440 52,495 95,501 Self-employment income................... 3,282 (6,336) 215 615 872 876 2,196 3,090 2,627 9,665 Soc. Sec., priv. and gov. retirement..... 1,582 738 1,304 1,950 1,901 1,251 1,624 915 1,830 1,959 Int., divid., rent. inc., property inc... 830 328 119 111 154 394 265 298 757 2,424 Unemp. and workers' compen., vet. ben.... 405 52 285 505 494 626 342 375 373 381 Pub. ass., supp. sec. inc., foodstamps... 418 861 2,220 1,108 756 429 291 165 100 57 Regular contributions for support........ 262 155 187 99 169 206 530 255 235 265 Other income............................. 146 177 54 103 107 134 161 62 165 218 Personal taxes 1/......................... 4,947 296 344 292 635 1,924 2,815 3,690 5,720 12,398 Federal income taxes..................... 3,702 206 (1) 171 353 1,310 2,071 2,719 4,232 9,573 State and local income taxes............. 1,017 60 29 87 207 414 584 828 1,228 2,437 Other taxes.............................. 228 31 316 34 75 201 160 143 260 387 Income after taxes 1/..................... 45,601 (2,669) 6,967 11,941 16,887 23,050 31,896 40,910 52,863 98,072 Net change in total assets and liabilities (2,298) 4,026 532 (2,722) (244) (2,415) (3,437) (1,257) (7,922) 565 Net change in total assets............... 3,165 4,827 406 3,310 2,575 (682) 2,324 2,492 1,206 8,978 Net change in total liabilities.......... 5,463 801 (126) 6,032 2,819 1,733 5,760 3,749 9,128 8,413 Other money receipts...................... 1,029 1,264 7 183 100 732 409 1,489 1,194 1,903 Mortgage principal paid, owned property... (1,777) (467) (276) (397) (618) (785) (1,068) (2,017) (2,568) (3,274) Estimated market value of owned home...... 95,720 42,649 34,160 35,012 39,899 55,664 70,169 87,623 104,151 188,180 Est. monthly rental value of owned home... 640 287 220 261 329 430 512 601 731 1,135 Gifts of goods and services............... 1,745 617 340 784 1,293 896 1,030 1,364 2,104 3,481 Food.................................... 184 15 16 110 32 83 136 206 152 425 Housing................................. 427 169 62 304 300 216 170 359 492 872 Housekeeping supplies................. 57 36 16 2 14 39 31 62 63 107 Household textiles.................... 19 46 3 1 8 12 11 12 28 29 Appliances and misc. housewares....... 37 3 8 9 36 12 17 19 43 83 Major appliances.................... 9 0 1 7 22 7 1 2 16 14 Small appl. and misc. housewares.... 28 3 6 2 14 6 16 17 27 69 Miscellaneous household equipment..... 108 50 6 33 72 36 49 61 204 188 Other housing......................... 205 35 30 259 171 118 63 204 155 465 Apparel and services.................... 337 200 142 118 474 242 263 210 446 494 Males 2 and over...................... 87 91 28 34 58 93 74 36 106 137 Females 2 and over.................... 117 48 10 27 117 49 91 84 165 200 Children under 2...................... 50 13 67 11 30 33 59 33 80 57 Other apparel products and services... 83 48 37 46 269 67 39 57 96 100 Jewelry and watches................. 38 6 0 6 260 12 14 31 41 33 All other apparel products and serv. 45 42 36 40 8 55 25 26 54 67 Transportation.......................... 92 1 7 28 14 46 100 78 155 142 Health care............................. 42 20 6 14 6 28 30 40 73 63 Entertainment........................... 119 32 17 32 118 60 82 135 165 195 Toys, games, hobbies, and tricycles... 43 9 9 16 42 27 28 53 68 58 Other entertainment................... 76 22 8 16 76 34 54 82 97 137 Education............................... 362 2 49 117 278 126 103 129 356 1,021 All other gifts......................... 182 178 41 62 70 94 145 207 265 268 __________________________________________ 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. 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.