Table 1. Consumer units with reference person age under 25 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 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 5,864 1,117 1,359 912 597 903 566 411 Income before taxes 1/.................... $16,813 $2,495 $7,345 $12,320 $17,266 $24,395 $33,948 $56,134 Income after taxes 1/..................... 15,798 2,518 7,170 12,006 16,502 22,772 31,548 50,845 Age of reference person................... 21.7 20.5 21.4 21.9 22 22.3 22.4 22.8 Average number in consumer unit:.......... Persons.................................. 1.9 1.3 1.8 2 2.2 2.2 2.3 2.8 Children under 18........................ 0.5 0.2 0.5 0.7 0.5 0.6 0.4 0.6 Persons 65 and over...................... 0 0 0 0 0 0 0 0 Earners.................................. 1.3 1 1 1.1 1.4 1.5 1.8 2.1 Vehicles................................. 1.2 0.6 0.8 1.1 1.4 1.6 2.2 2.1 Percent distribution: Male..................................... 56 52 46 49 66 60 67 74 Female................................... 44 48 54 51 34 40 33 26 Percent homeowner........................ 12 1 6 6 11 22 23 33 With mortgage........................... 8 1 2 2 9 18 16 28 Without mortgage........................ 3 0 4 4 2 4 6 5 Renter................................... 88 99 94 94 89 78 77 67 Black.................................... 11 12 17 13 7 5 8 7 White and other.......................... 89 88 83 87 93 95 92 93 Elementary (1-8)......................... 2 3 1 2 3 2 2 0 High school (9-12)....................... 41 27 38 45 47 49 44 40 College.................................. 57 70 60 52 49 49 53 60 Never attended and other................. 0 0 0 1 0 0 1 0 At least one vehicle owned............... 73 53 62 69 86 90 92 93 Average annual expenditures............... $19,160 $9,848 $13,193 $15,982 $20,745 $23,638 $28,520 $45,144 Food..................................... 2,907 1,645 2,481 3,014 3,391 3,184 3,697 4,432 Food at home............................ 1,587 761 1,443 1,878 1,768 1,736 2,041 2,126 Cereals and bakery products............ 250 115 214 272 293 281 349 350 Cereals and cereal products........... 112 55 99 139 135 111 146 148 Bakery products....................... 138 60 115 132 159 170 203 201 Meats, poultry, fish, and eggs......... 398 176 415 557 439 373 495 421 Beef.................................. 125 47 131 156 147 110 201 133 Pork.................................. 86 40 99 125 95 81 83 88 Other meats........................... 54 35 46 71 56 67 64 35 Poultry............................... 72 33 82 102 74 59 96 70 Fish and seafood...................... 40 13 39 76 43 34 30 61 Eggs.................................. 21 8 19 27 24 22 22 34 Dairy products......................... 176 82 137 191 202 220 217 274 Fresh milk and cream.................. 77 39 63 78 86 92 87 150 Other dairy products.................. 98 42 74 113 116 128 131 124 Fruits and vegetables.................. 233 112 202 278 240 277 308 295 Fresh fruits.......................... 64 32 67 62 63 79 79 93 Fresh vegetables...................... 65 22 49 91 63 79 96 88 Processed fruits...................... 61 37 50 72 69 66 89 60 Processed vegetables.................. 42 21 36 53 46 52 44 53 Other food at home..................... 530 277 474 579 594 585 671 786 Sugar and other sweets................ 54 36 51 65 55 51 77 56 Fats and oils......................... 44 24 45 57 38 52 48 50 Miscellaneous foods................... 251 118 236 300 288 239 338 381 Nonalcoholic beverages................ 161 79 126 140 194 228 189 249 Food prep. by cu, out-of-town trips... 20 20 16 16 19 14 18 52 Food away from home..................... 1,320 884 1,038 1,136 1,623 1,448 1,656 2,305 Alcoholic beverages...................... 304 186 207 419 415 259 331 515 Housing.................................. 5,802 2,913 4,524 5,247 6,231 7,200 7,977 12,417 Shelter................................. 3,517 1,838 2,846 3,194 3,917 4,416 4,707 6,830 Owned dwellings........................ 410 34 154 70 428 679 783 1,903 Mortgage interest and charges......... 231 7 20 26 248 424 379 1,340 Property taxes........................ 74 8 36 24 146 91 86 335 Maintenance, rep., ins., oth. exp..... 105 19 98 20 34 164 317 228 Rented dwellings....................... 2,940 1,607 2,425 3,039 3,364 3,645 3,735 4,786 Other lodging.......................... 168 197 267 85 125 92 189 141 Utilities, fuels, and public services... 1,196 619 946 1,146 1,320 1,495 1,658 2,228 Natural gas............................ 114 41 108 134 125 119 166 196 Electricity............................ 422 179 301 428 510 559 615 769 Fuel oil and other fuels............... 22 6 16 30 21 43 14 36 Telephone.............................. 567 370 471 474 571 686 781 1,068 Water and other public services........ 71 22 50 81 93 89 84 159 Household operations.................... 214 53 116 147 176 287 279 932 Personal services...................... 169 30 79 112 146 251 240 721 Other household expenses............... 45 23 37 35 30 36 39 212 Housekeeping supplies................... 168 101 144 188 164 164 155 412 Laundry and cleaning supplies.......... 50 27 45 69 43 48 40 118 Other household products............... 59 37 51 64 69 63 58 97 Postage and stationery................. 59 36 48 55 51 53 57 196 Household furnishings and equipment..... 706 303 472 572 654 837 1,177 2,015 Household textiles..................... 24 15 16 13 42 16 56 53 Furniture.............................. 233 82 144 195 237 359 384 536 Floor coverings........................ 28 9 10 0 26 11 16 262 Major appliances....................... 86 10 43 39 103 141 268 150 Small appliances, misc. housewares..... 50 23 51 67 49 32 79 96 Miscellaneous household equipment...... 285 164 209 259 198 279 375 918 Apparel and services..................... 1,145 521 660 1,103 1,323 1,278 1,909 2,589 Men and boys............................ 278 149 174 281 306 292 486 519 Men, 16 and over....................... 246 142 145 223 266 271 469 428 Boys, 2 to 15.......................... 32 7 29 58 40 21 17 91 Women and girls......................... 359 140 169 269 421 539 466 962 Women, 16 and over..................... 327 133 147 214 407 497 441 868 Girls, 2 to 15......................... 32 7 23 55 13 41 25 93 Children under 2........................ 97 39 91 74 108 91 162 229 Footwear................................ 184 85 69 293 277 56 408 372 Other apparel products and services..... 227 108 157 187 212 300 386 506 Transportation........................... 4,367 1,611 2,348 2,783 4,407 6,251 7,142 14,014 Vehicle purchases (net outlay).......... 2,276 641 1,049 1,138 2,063 3,369 3,279 9,832 Cars and trucks, new................... 867 177 371 0 552 983 1,684 5,384 Cars and trucks, used.................. 1,377 461 628 1,138 1,403 2,372 1,529 4,448 Other vehicles......................... 32 3 50 0 108 14 66 0 Gasoline and motor oil.................. 698 393 493 598 820 860 1,156 1,269 Other vehicle expenses.................. 1,197 430 634 905 1,334 1,808 2,386 2,590 Vehicle finance charges................ 175 46 51 89 161 274 473 515 Maintenance and repairs................ 387 221 289 337 463 528 481 706 Vehicle insurance...................... 439 119 199 346 528 746 947 800 Veh. rent., leas., licen., oth. chges.. 196 44 94 132 181 260 484 569 Public transportation................... 196 147 172 141 190 213 322 324 Health care.............................. 506 160 194 290 673 895 934 1,231 Health insurance........................ 196 60 63 98 239 322 485 492 Medical services........................ 206 56 71 111 329 405 293 530 Drugs................................... 71 26 32 45 72 129 111 149 Medical supplies........................ 34 18 28 36 33 39 45 61 Entertainment............................ 1,089 763 897 897 1,115 1,130 1,517 2,394 Fees and admissions..................... 239 221 218 173 160 223 367 479 Television, radios, sound equipment..... 500 420 308 472 409 558 639 1,236 Pets, toys, and playground equipment.... 156 51 91 131 266 174 268 309 Other supplies, equip., and services.... 194 71 281 120 280 175 243 369 Personal care products and services...... 251 149 194 264 232 305 324 449 Reading.................................. 70 46 46 63 71 94 103 135 Education................................ 756 1,371 875 620 537 448 411 466 Tobacco products and smoking supplies.... 231 109 155 256 344 279 372 299 Miscellaneous............................ 323 178 204 212 459 321 667 727 Cash contributions....................... 117 57 34 76 246 63 155 530 Personal insurance and pensions.......... 1,292 141 374 738 1,301 1,930 2,982 4,945 Life and other personal insurance....... 64 5 10 18 73 120 141 261 Pensions and Social Security............ 1,228 136 364 721 1,227 1,811 2,841 4,684 Money income before taxes 1/.............. 16,813 2,495 7,345 12,320 17,266 24,395 33,948 56,134 Wages and salaries....................... 14,079 1,705 4,434 8,605 15,100 21,935 31,373 49,232 Self-employment income................... 601 19 156 227 296 418 875 4,961 Soc. Sec., priv. and gov. retirement..... 66 3 83 25 172 58 119 71 Int., divid., rent. inc., property inc... 80 22 36 54 234 65 168 132 Unemp. and workers' compen., vet. ben.... 125 37 43 216 261 82 244 161 Pub. ass., supp. sec. inc., foodstamps... 715 283 1,348 1,559 331 362 126 69 Regular contributions for support........ 733 310 806 1,044 674 773 576 1,162 Other income............................. 413 114 440 591 198 702 468 346 Personal taxes 1/......................... 1,014 (23) 175 314 764 1,623 2,400 5,289 Federal income taxes..................... 743 (26) 114 213 562 1,209 1,688 4,029 State and local income taxes............. 249 3 34 97 181 380 659 1,216 Other taxes.............................. 22 0 27 4 21 33 53 44 Income after taxes 1/..................... 15,798 2,518 7,170 12,006 16,502 22,772 31,548 50,845 Net change in total assets and liabilities (1,079) (1,056) (1,034) (985) 141 (737) (1,426) (3,540) Net change in total assets............... 1,575 107 (164) (546) 3,319 1,703 5,519 7,788 Net change in total liabilities.......... 2,654 1,163 869 440 3,178 2,440 6,945 11,329 Other money receipts...................... 106 46 41 77 372 103 102 172 Mortgage principal paid, owned property... (79) (7) (15) (18) (119) (189) (129) (249) Estimated market value of owned home...... 5,993 684 1,756 2,583 11,263 8,554 8,929 24,700 Est. monthly rental value of owned home... 54 3 20 14 69 102 92 210 Gifts of goods and services............... 486 572 490 336 428 408 482 887 Food.................................... 28 17 50 4 38 39 8 24 Housing................................. 172 190 174 130 146 118 165 394 Housekeeping supplies................. 22 20 9 20 16 12 15 118 Household textiles.................... 1 0 0 0 4 0 3 0 Appliances and misc. housewares....... 10 3 25 6 2 7 22 8 Major appliances.................... 1 0 0 0 0 5 0 5 Small appl. and misc. housewares.... 9 3 25 6 2 2 22 3 Miscellaneous household equipment..... 38 35 22 45 30 13 44 159 Other housing......................... 100 132 119 59 94 86 82 109 Apparel and services.................... 126 118 114 63 131 141 136 277 Males 2 and over...................... 34 75 40 15 31 6 50 4 Females 2 and over.................... 30 15 33 7 35 66 6 44 Children under 2...................... 24 11 25 11 27 29 32 59 Other apparel products and services... 38 17 16 30 38 40 48 170 Jewelry and watches................. 29 13 16 27 18 35 40 110 All other apparel products and serv. 9 4 0 3 19 5 8 60 Transportation.......................... 16 9 10 12 4 21 34 45 Health care............................. 1 0 0 1 0 1 3 3 Entertainment........................... 77 187 27 99 39 26 75 82 Toys, games, hobbies, and tricycles... 12 5 15 10 15 8 12 31 Other entertainment................... 65 181 12 89 25 18 63 51 Education............................... 30 31 63 4 43 25 0 8 All other gifts......................... 37 20 52 24 28 37 61 53 __________________________________________ 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.