Table 6. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 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)... 8,506 699 696 628 1,308 1,299 975 1,541 1,359 Income before taxes 1/.................... $44,799 $5,402 $12,689 $17,319 $25,060 $34,892 $44,612 $58,529 $107,221 Income after taxes 1/..................... 41,466 5,351 12,680 17,201 24,238 32,887 40,982 53,937 96,968 Age of reference person................... 41.5 40.4 37.3 40.6 42 41.5 40.5 42.7 43.6 Average number in consumer unit:.......... Persons.................................. 5.7 5.5 5.7 5.9 5.8 5.6 5.6 5.6 5.6 Children under 18........................ 2.9 3 3.4 3.2 2.9 2.9 2.8 2.7 2.6 Persons 65 and over...................... 0.1 0.2 0.2 0.1 0.1 0.2 0.1 0.2 0.1 Earners.................................. 2.2 1.4 1.2 1.7 2.1 2.3 2.4 2.6 2.8 Vehicles................................. 2.6 1.5 1.3 1.7 2.3 2.5 2.9 3.1 3.5 Percent distribution: Male..................................... 74 39 56 59 74 80 81 82 86 Female................................... 26 61 44 41 26 20 19 18 14 Percent homeowner........................ 67 41 33 43 59 67 72 85 94 With mortgage........................... 53 21 20 25 43 57 58 73 82 Without mortgage........................ 14 20 13 18 16 10 14 12 11 Renter................................... 33 59 67 57 41 33 28 15 6 Black.................................... 15 32 30 27 16 12 13 8 8 White and other.......................... 85 68 70 73 84 88 87 92 92 Elementary (1-8)......................... 11 25 16 19 17 13 7 4 1 High school (9-12)....................... 47 55 58 55 57 55 48 37 25 College.................................. 42 20 24 24 24 31 44 60 74 Never attended and other................. 1 0 1 1 2 1 0 0 1 At least one vehicle owned............... 91 68 70 84 93 95 99 98 98 Average annual expenditures............... $42,352 $24,392 $21,204 $24,577 $31,046 $35,706 $42,737 $51,900 $75,901 Food..................................... 6,816 4,901 4,796 4,930 5,692 6,457 7,026 7,742 9,565 Food at home............................ 4,681 3,955 3,899 4,209 4,305 4,766 4,679 4,912 5,557 Cereals and bakery products............ 741 594 565 638 614 754 781 823 911 Cereals and cereal products........... 312 259 280 315 281 319 339 324 330 Bakery products....................... 430 335 285 323 333 435 442 498 582 Meats, poultry, fish, and eggs......... 1,326 1,229 1,164 1,472 1,245 1,463 1,285 1,253 1,422 Beef.................................. 416 303 365 511 375 526 447 377 392 Pork.................................. 274 280 221 360 301 295 284 241 243 Other meats........................... 175 164 175 185 166 146 164 182 202 Poultry............................... 243 229 208 224 194 274 246 252 279 Fish and seafood...................... 157 187 122 130 160 150 86 150 238 Eggs.................................. 61 67 74 62 49 72 58 50 67 Dairy products......................... 516 412 442 391 468 507 532 575 629 Fresh milk and cream.................. 253 217 226 211 261 281 274 262 245 Other dairy products.................. 264 194 216 180 206 226 258 313 384 Fruits and vegetables.................. 708 564 593 607 643 722 700 758 864 Fresh fruits.......................... 221 179 161 175 197 212 204 241 305 Fresh vegetables...................... 214 131 184 182 197 236 205 217 273 Processed fruits...................... 148 136 138 118 117 156 155 167 169 Processed vegetables.................. 125 118 111 133 132 118 135 134 116 Other food at home..................... 1,389 1,156 1,135 1,100 1,334 1,320 1,381 1,504 1,732 Sugar and other sweets................ 184 162 197 137 161 169 204 190 219 Fats and oils......................... 141 143 129 134 122 153 159 124 158 Miscellaneous foods................... 636 516 462 509 640 594 598 704 815 Nonalcoholic beverages................ 366 316 337 302 338 357 358 394 435 Food prep. by cu, out-of-town trips... 63 18 10 18 72 47 63 92 104 Food away from home..................... 2,135 946 898 721 1,387 1,692 2,347 2,830 4,008 Alcoholic beverages...................... 248 134 132 134 160 172 222 337 469 Housing.................................. 13,026 8,772 7,488 9,370 9,445 11,470 12,508 14,608 23,022 Shelter................................. 7,174 4,796 4,038 5,604 5,097 6,449 6,606 8,079 12,799 Owned dwellings........................ 4,860 2,026 1,274 2,455 2,423 4,048 4,446 6,263 11,090 Mortgage interest and charges......... 3,263 1,142 763 1,559 1,693 2,851 3,040 4,143 7,489 Property taxes........................ 942 367 318 405 436 792 840 1,257 2,150 Maintenance, rep., ins., oth. exp..... 655 517 193 492 294 404 566 863 1,451 Rented dwellings....................... 1,971 2,684 2,740 2,762 2,533 2,237 1,925 1,318 821 Other lodging.......................... 343 86 24 387 141 164 235 498 888 Utilities, fuels, and public services... 2,831 2,358 2,058 2,305 2,692 2,649 2,857 3,067 3,734 Natural gas............................ 384 321 352 293 305 332 390 423 550 Electricity............................ 1,112 1,007 813 928 1,084 1,039 1,108 1,182 1,427 Fuel oil and other fuels............... 93 52 36 88 82 88 113 99 136 Telephone.............................. 883 763 626 762 894 832 871 956 1,094 Water and other public services........ 360 215 230 234 326 359 374 408 528 Household operations.................... 665 308 174 333 236 548 546 733 1,783 Personal services...................... 432 202 95 113 135 466 452 536 993 Other household expenses............... 232 107 79 219 102 83 94 197 791 Housekeeping supplies................... 585 302 316 305 449 596 609 644 970 Laundry and cleaning supplies.......... 208 149 135 166 155 231 204 240 281 Other household products............... 251 109 131 118 194 211 269 264 470 Postage and stationery................. 126 44 50 21 100 154 136 140 220 Household furnishings and equipment..... 1,772 1,008 902 822 971 1,227 1,889 2,085 3,734 Household textiles..................... 128 36 48 43 59 89 189 179 235 Furniture.............................. 408 138 417 443 146 387 280 493 794 Floor coverings........................ 138 86 13 58 14 54 151 61 476 Major appliances....................... 219 278 195 143 221 160 254 246 232 Small appliances, misc. housewares..... 106 108 51 38 54 47 152 147 187 Miscellaneous household equipment...... 774 362 177 97 478 490 865 959 1,810 Apparel and services..................... 2,435 1,654 1,521 1,192 1,779 1,769 2,217 3,114 4,383 Men and boys............................ 709 394 291 349 475 475 573 1,092 1,324 Men, 16 and over....................... 338 97 140 175 176 299 251 402 778 Boys, 2 to 15.......................... 371 297 151 174 300 177 322 690 547 Women and girls......................... 823 392 481 396 516 579 814 981 1,652 Women, 16 and over..................... 521 197 283 236 253 332 508 663 1,130 Girls, 2 to 15......................... 302 195 198 159 262 248 306 318 522 Children under 2........................ 171 203 119 83 194 228 165 173 173 Footwear................................ 431 475 388 158 332 260 429 553 665 Other apparel products and services..... 301 190 242 207 261 226 237 315 569 Transportation........................... 8,014 4,072 3,980 3,861 6,633 5,996 8,909 10,203 14,131 Vehicle purchases (net outlay).......... 3,682 1,808 2,329 1,588 3,458 2,209 4,275 4,592 6,472 Cars and trucks, new................... 1,267 477 1,153 797 598 406 618 1,672 3,426 Cars and trucks, used.................. 2,407 1,331 1,176 791 2,858 1,803 3,651 2,905 3,021 Other vehicles......................... 8 0 0 0 2 0 6 15 25 Gasoline and motor oil.................. 1,396 757 665 922 1,174 1,374 1,547 1,750 2,046 Other vehicle expenses.................. 2,541 1,187 845 1,162 1,730 2,178 2,818 3,474 4,584 Vehicle finance charges................ 366 155 76 94 234 363 433 578 588 Maintenance and repairs................ 816 348 288 400 596 798 995 1,177 1,196 Vehicle insurance...................... 843 425 292 418 636 717 927 1,094 1,514 Veh. rent., leas., licen., oth. chges.. 516 259 188 250 264 300 463 626 1,285 Public transportation................... 395 320 141 189 271 235 269 388 1,028 Health care.............................. 1,851 996 823 992 1,373 1,751 2,142 2,462 2,853 Health insurance........................ 825 376 290 381 643 823 974 1,164 1,220 Medical services........................ 685 402 355 387 473 616 802 918 1,062 Drugs................................... 241 183 131 183 195 218 275 265 359 Medical supplies........................ 99 35 46 40 62 93 92 115 212 Entertainment............................ 2,087 976 687 967 1,367 1,604 2,013 2,757 4,284 Fees and admissions..................... 531 200 64 168 289 311 421 790 1,335 Television, radios, sound equipment..... 721 426 355 481 582 672 659 902 1,186 Pets, toys, and playground equipment.... 465 226 199 195 298 372 485 581 918 Other supplies, equip., and services.... 370 124 69 123 198 248 448 484 845 Personal care products and services...... 518 392 297 340 391 433 574 706 716 Reading.................................. 163 76 41 58 92 150 169 217 335 Education................................ 651 657 184 276 383 479 417 932 1,331 Tobacco products and smoking supplies.... 361 346 298 291 336 468 402 402 278 Miscellaneous............................ 857 643 158 619 705 853 866 1,008 1,427 Cash contributions....................... 1,036 219 92 238 594 905 799 1,379 2,641 Personal insurance and pensions.......... 4,290 553 707 1,308 2,097 3,199 4,474 6,032 10,467 Life and other personal insurance....... 523 206 132 276 309 408 555 674 1,125 Pensions and Social Security............ 3,766 347 576 1,032 1,788 2,791 3,919 5,358 9,342 Money income before taxes 1/.............. 44,799 5,402 12,689 17,319 25,060 34,892 44,612 58,529 107,221 Wages and salaries....................... 37,751 2,894 5,480 11,211 19,829 30,214 38,821 52,162 91,800 Self-employment income................... 2,543 (1,404) 551 595 616 1,406 2,518 2,664 9,311 Soc. Sec., priv. and gov. retirement..... 1,693 1,301 716 1,863 1,783 1,636 1,541 1,905 2,152 Int., divid., rent. inc., property inc... 492 8 168 111 82 (12) 239 309 2,346 Unemp. and workers' compen., vet. ben.... 420 80 190 531 757 429 492 344 360 Pub. ass., supp. sec. inc., foodstamps... 1,335 2,046 5,225 2,763 1,710 688 678 318 200 Regular contributions for support........ 347 320 232 167 165 282 109 479 760 Other income............................. 219 156 127 78 118 248 214 346 292 Personal taxes 1/......................... 3,333 51 9 118 822 2,005 3,630 4,592 10,253 Federal income taxes..................... 2,405 30 (46) (39) 481 1,441 2,650 3,175 7,733 State and local income taxes............. 752 15 42 123 210 455 796 1,008 2,268 Other taxes.............................. 176 7 13 34 131 109 184 409 253 Income after taxes 1/..................... 41,466 5,351 12,680 17,201 24,238 32,887 40,982 53,937 96,968 Net change in total assets and liabilities 498 (1,513) 401 (2,378) (4,419) (2,084) 160 (7,973) 19,955 Net change in total assets............... 5,215 696 4,137 (931) (207) 2,124 4,812 255 25,013 Net change in total liabilities.......... 4,717 2,209 3,736 1,448 4,212 4,208 4,652 8,228 5,058 Other money receipts...................... 319 358 87 61 56 137 595 257 836 Mortgage principal paid, owned property... (2,057) (468) (227) (488) (597) (854) (1,518) (1,864) (7,694) Estimated market value of owned home...... 76,269 30,263 21,430 33,168 40,365 59,370 67,123 99,820 178,475 Est. monthly rental value of owned home... 539 292 193 266 333 447 532 719 1,055 Gifts of goods and services............... 700 555 274 383 467 553 489 852 1,451 Food.................................... 43 16 17 8 25 32 34 66 97 Housing................................. 195 259 61 104 101 122 183 272 359 Housekeeping supplies................. 32 6 16 10 12 27 43 56 46 Household textiles.................... 11 17 1 0 3 1 1 36 17 Appliances and misc. housewares....... 20 93 3 2 5 5 10 20 44 Major appliances.................... 3 0 0 1 2 1 0 4 8 Small appl. and misc. housewares.... 17 93 3 1 3 4 10 16 36 Miscellaneous household equipment..... 49 93 4 1 31 9 58 59 107 Other housing......................... 84 51 36 91 50 80 71 102 147 Apparel and services.................... 202 154 149 113 193 202 132 205 349 Males 2 and over...................... 43 13 28 6 35 59 30 47 80 Females 2 and over.................... 77 65 35 70 59 54 59 71 152 Children under 2...................... 54 50 43 22 42 72 31 77 70 Other apparel products and services... 29 26 43 15 57 17 13 9 47 Jewelry and watches................. 8 1 5 3 4 5 5 9 23 All other apparel products and serv. 20 25 38 12 54 12 8 0 23 Transportation.......................... 36 21 5 7 34 39 15 27 99 Health care............................. 10 2 3 1 3 15 27 9 13 Entertainment........................... 96 21 14 12 47 64 51 66 330 Toys, games, hobbies, and tricycles... 24 10 8 4 16 38 25 31 34 Other entertainment................... 72 11 7 7 32 26 26 35 296 Education............................... 43 0 0 89 5 23 4 113 69 All other gifts......................... 74 81 24 49 59 56 43 94 135 __________________________________________ 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.