Table 3. Consumer units of two persons 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)... 25,959 696 2,049 2,756 2,823 4,537 3,370 2,850 3,373 3,504 Income before taxes 1/.................... $39,313 ($5,980) $7,527 $12,437 $17,312 $24,710 $34,628 $44,326 $58,599 $106,527 Income after taxes 1/..................... 35,984 (6,935) 7,330 12,165 16,814 23,445 32,267 40,920 52,498 95,339 Age of reference person................... 52.9 47 52.9 59.2 59.6 55.8 51.1 49.9 47.8 49.2 Average number in consumer unit:.......... Persons.................................. 2 2 2 2 2 2 2 2 2 2 Children under 18........................ 0.1 0.3 0.3 0.1 0.1 0.1 0.1 0.1 0 0 Persons 65 and over...................... 0.5 0.3 0.6 0.9 1 0.8 0.5 0.4 0.2 0.2 Earners.................................. 1.2 0.9 0.7 0.7 0.8 1 1.4 1.5 1.7 1.7 Vehicles................................. 2.2 1.5 1.3 1.7 1.9 2 2.4 2.6 2.6 2.6 Percent distribution: Male..................................... 71 57 48 62 67 71 74 79 79 79 Female................................... 29 43 52 38 33 29 26 21 21 21 Percent homeowner........................ 74 44 51 67 73 74 74 79 79 88 With mortgage........................... 36 14 13 17 21 29 36 47 53 65 Without mortgage........................ 38 30 38 50 52 45 38 32 26 24 Renter................................... 26 56 49 33 27 26 26 21 21 12 Black.................................... 8 20 19 10 7 9 7 6 4 4 White and other.......................... 92 80 81 90 93 91 93 94 96 96 Elementary (1-8)......................... 9 12 23 19 17 10 4 4 1 1 High school (9-12)....................... 44 52 49 54 57 53 45 39 34 21 College.................................. 47 35 28 26 26 37 51 57 64 79 Never attended and other................. 0 0 0 0 0 0 0 0 0 0 At least one vehicle owned............... 93 76 75 88 93 95 97 99 98 96 Average annual expenditures............... $34,826 $18,971 $15,889 $19,425 $23,521 $27,632 $32,849 $38,814 $47,267 $66,869 Food..................................... 4,589 2,666 2,553 3,113 3,918 4,090 4,756 4,903 5,788 7,110 Food at home............................ 2,683 1,726 2,006 2,230 2,699 2,578 2,832 2,881 2,939 3,239 Cereals and bakery products............ 422 261 296 336 440 408 477 441 467 489 Cereals and cereal products........... 148 95 112 118 149 147 167 160 153 173 Bakery products....................... 273 165 185 218 291 260 310 281 313 316 Meats, poultry, fish, and eggs......... 689 480 589 616 759 675 701 748 647 791 Beef.................................. 210 122 194 184 225 208 190 272 194 236 Pork.................................. 150 83 159 132 176 163 168 140 126 149 Other meats........................... 90 74 69 77 111 89 96 82 89 98 Poultry............................... 117 69 92 109 124 107 120 143 108 143 Fish and seafood...................... 92 111 49 82 83 78 99 85 108 135 Eggs.................................. 29 21 27 32 40 31 27 27 23 29 Dairy products......................... 284 190 208 233 299 276 304 291 316 334 Fresh milk and cream.................. 112 97 93 110 124 121 110 108 109 109 Other dairy products.................. 173 93 115 123 175 155 195 184 208 225 Fruits and vegetables.................. 458 312 300 381 458 447 474 480 495 591 Fresh fruits.......................... 143 98 96 118 137 142 151 139 154 191 Fresh vegetables...................... 141 112 84 108 144 144 147 145 144 188 Processed fruits...................... 93 57 58 78 98 87 94 100 108 118 Processed vegetables.................. 81 46 61 76 79 74 83 96 89 93 Other food at home..................... 830 483 613 664 742 772 876 920 1,014 1,035 Sugar and other sweets................ 113 55 110 120 94 111 122 109 119 132 Fats and oils......................... 79 48 66 75 79 78 78 85 84 91 Miscellaneous foods................... 349 216 250 254 310 309 399 399 448 426 Nonalcoholic beverages................ 230 128 171 177 229 226 222 263 286 266 Food prep. by cu, out-of-town trips... 59 36 15 39 31 49 55 63 78 120 Food away from home..................... 1,906 940 547 883 1,219 1,512 1,923 2,022 2,849 3,871 Alcoholic beverages...................... 347 228 126 159 158 237 300 373 595 777 Housing.................................. 10,636 6,960 5,572 6,541 7,155 8,513 10,022 10,879 14,365 20,103 Shelter................................. 5,763 4,085 2,963 3,272 3,574 4,314 5,465 6,077 7,418 11,774 Owned dwellings........................ 3,768 1,665 1,177 1,688 1,879 2,475 3,385 4,126 5,241 9,194 Mortgage interest and charges......... 1,815 441 342 379 551 859 1,486 2,042 3,020 5,309 Property taxes........................ 1,115 765 485 669 710 895 1,076 1,107 1,408 2,273 Maintenance, rep., ins., oth. exp..... 839 459 350 640 619 722 822 977 813 1,612 Rented dwellings....................... 1,463 2,018 1,672 1,342 1,362 1,445 1,631 1,476 1,577 1,147 Other lodging.......................... 532 402 114 241 332 394 449 475 600 1,433 Utilities, fuels, and public services... 2,268 1,904 1,699 1,926 2,043 2,131 2,260 2,342 2,414 3,107 Natural gas............................ 289 222 211 247 261 270 293 302 288 413 Electricity............................ 891 701 679 799 810 887 891 885 922 1,171 Fuel oil and other fuels............... 106 79 86 82 129 116 107 110 99 109 Telephone.............................. 708 689 538 557 599 616 710 746 794 1,017 Water and other public services........ 275 214 185 240 244 242 259 300 311 397 Household operations.................... 415 210 146 271 288 384 436 344 336 983 Personal services...................... 106 37 31 113 110 157 215 106 14 72 Other household expenses............... 309 172 116 158 178 227 221 238 322 910 Housekeeping supplies................... 504 203 243 343 398 448 518 576 636 829 Laundry and cleaning supplies.......... 113 70 73 85 106 129 111 119 122 140 Other household products............... 229 90 114 111 179 193 240 248 288 443 Postage and stationery................. 162 43 55 147 113 126 168 209 226 247 Household furnishings and equipment..... 1,686 558 520 730 852 1,236 1,342 1,540 3,562 3,410 Household textiles..................... 129 44 60 39 64 89 127 148 247 257 Furniture.............................. 345 174 106 152 209 292 306 376 513 702 Floor coverings........................ 264 26 6 17 41 211 37 83 1,285 352 Major appliances....................... 168 72 111 133 121 158 200 154 178 273 Small appliances, misc. housewares..... 104 43 40 65 66 65 141 103 143 199 Miscellaneous household equipment...... 676 199 197 324 350 421 531 677 1,195 1,626 Apparel and services..................... 1,633 1,024 797 601 1,090 1,353 1,429 1,865 2,269 3,369 Men and boys............................ 397 282 124 154 303 373 378 398 556 744 Men, 16 and over....................... 361 266 102 121 267 346 350 369 504 683 Boys, 2 to 15.......................... 36 17 22 33 37 28 28 29 52 61 Women and girls......................... 667 362 340 252 340 543 568 841 912 1,476 Women, 16 and over..................... 623 324 310 228 294 488 504 801 874 1,438 Girls, 2 to 15......................... 44 38 29 24 46 55 64 40 38 38 Children under 2........................ 46 34 60 17 31 32 38 47 78 74 Footwear................................ 216 133 176 88 189 227 206 254 252 326 Other apparel products and services..... 308 212 98 91 227 178 238 326 472 748 Transportation........................... 6,399 3,421 2,457 3,321 4,457 5,442 6,241 8,301 8,581 11,044 Vehicle purchases (net outlay).......... 2,695 1,083 694 1,150 1,860 2,487 2,514 4,183 3,474 4,552 Cars and trucks, new................... 1,365 348 178 466 819 1,054 1,062 2,504 1,748 2,806 Cars and trucks, used.................. 1,294 736 484 684 1,023 1,433 1,383 1,625 1,631 1,716 Other vehicles......................... 36 0 33 0 18 0 69 55 95 30 Gasoline and motor oil.................. 1,030 700 632 773 788 916 1,116 1,167 1,294 1,422 Other vehicle expenses.................. 2,183 1,186 1,026 1,211 1,466 1,744 2,190 2,510 3,084 3,845 Vehicle finance charges................ 263 115 79 75 158 188 300 396 424 432 Maintenance and repairs................ 727 416 362 489 526 582 700 890 988 1,199 Vehicle insurance...................... 779 511 358 515 580 675 845 883 1,038 1,180 Veh. rent., leas., licen., oth. chges.. 413 144 226 132 202 298 345 342 634 1,033 Public transportation................... 492 452 105 186 343 295 421 441 729 1,225 Health care.............................. 2,195 1,230 1,590 2,147 2,414 2,432 2,009 2,144 2,246 2,463 Health insurance........................ 1,116 495 857 1,232 1,316 1,267 1,029 1,127 948 1,181 Medical services........................ 568 493 314 356 470 552 524 570 820 794 Drugs................................... 409 179 375 459 534 525 367 319 360 341 Medical supplies........................ 102 63 44 99 93 89 89 127 118 147 Entertainment............................ 1,744 1,003 760 969 912 1,157 1,715 1,959 2,450 3,690 Fees and admissions..................... 496 406 134 300 215 272 452 522 604 1,313 Television, radios, sound equipment..... 538 388 290 335 369 418 594 587 778 835 Pets, toys, and playground equipment.... 326 139 156 155 192 247 365 350 538 564 Other supplies, equip., and services.... 384 71 180 178 136 221 305 500 531 979 Personal care products and services...... 458 186 200 264 313 377 517 553 652 745 Reading.................................. 198 119 77 114 141 167 196 219 275 350 Education................................ 399 80 229 203 186 160 370 531 410 1,112 Tobacco products and smoking supplies.... 276 308 254 233 281 288 322 268 292 244 Miscellaneous............................ 871 691 527 618 556 646 937 1,177 1,180 1,248 Cash contributions....................... 1,414 533 417 484 844 1,055 1,135 1,293 1,789 3,833 Personal insurance and pensions.......... 3,666 522 332 659 1,097 1,714 2,899 4,350 6,373 10,782 Life and other personal insurance....... 482 166 146 266 302 355 369 529 618 1,163 Pensions and Social Security............ 3,184 356 186 393 795 1,359 2,531 3,820 5,755 9,618 Money income before taxes 1/.............. 39,313 (5,980) 7,527 12,437 17,312 24,710 34,628 44,326 58,599 106,527 Wages and salaries....................... 27,365 963 1,816 3,951 6,263 12,243 22,716 33,042 46,791 83,696 Self-employment income................... 1,974 (9,005) 156 223 287 774 1,051 1,512 3,038 9,751 Soc. Sec., priv. and gov. retirement..... 7,522 816 3,575 6,955 9,581 10,136 8,618 7,550 5,661 7,278 Int., divid., rent. inc., property inc... 1,568 171 119 149 365 842 1,408 1,536 2,393 5,105 Unemp. and workers' compen., vet. ben.... 278 51 151 211 296 287 375 371 292 239 Pub. ass., supp. sec. inc., foodstamps... 286 950 1,479 669 201 137 26 34 10 133 Regular contributions for support........ 177 40 133 197 226 174 344 125 108 128 Other income............................. 143 34 98 81 93 116 89 156 305 197 Personal taxes 1/......................... 3,329 956 197 272 497 1,265 2,361 3,406 6,101 11,188 Federal income taxes..................... 2,467 703 40 121 275 814 1,653 2,439 4,606 8,739 State and local income taxes............. 638 158 26 78 91 244 478 673 1,280 1,989 Other taxes.............................. 224 95 132 73 131 208 230 294 216 460 Income after taxes 1/..................... 35,984 (6,935) 7,330 12,165 16,814 23,445 32,267 40,920 52,498 95,339 Net change in total assets and liabilities (1,134) 3,182 (98) 582 (3,445) (437) (737) (605) (5,522) 423 Net change in total assets............... 3,289 2,418 (129) 1,560 (716) 263 4,627 3,990 4,821 10,637 Net change in total liabilities.......... 4,424 (764) (31) 978 2,729 700 5,364 4,595 10,343 10,214 Other money receipts...................... 727 8 472 249 406 717 316 1,041 756 1,776 Mortgage principal paid, owned property... (893) (432) (204) (389) (351) (489) (898) (941) (1,562) (2,055) Estimated market value of owned home...... 83,292 66,014 35,330 54,907 57,875 66,726 74,732 83,828 96,100 174,486 Est. monthly rental value of owned home... 569 396 251 395 434 482 532 587 695 1,050 Gifts of goods and services............... 1,321 813 495 533 907 789 1,118 1,371 1,821 3,294 Food.................................... 104 15 31 48 44 75 95 68 159 285 Housing................................. 325 220 141 167 182 209 328 335 523 671 Housekeeping supplies................. 54 12 19 21 27 47 57 65 87 105 Household textiles.................... 18 0 14 3 6 19 10 13 39 37 Appliances and misc. housewares....... 38 15 11 17 24 18 62 36 55 73 Major appliances.................... 8 0 2 3 9 8 6 13 6 19 Small appl. and misc. housewares.... 29 15 9 14 15 10 56 23 49 55 Miscellaneous household equipment..... 88 56 13 28 61 55 78 84 189 180 Other housing......................... 128 137 83 98 64 70 121 138 152 276 Apparel and services.................... 319 207 99 105 337 231 299 336 394 699 Males 2 and over...................... 93 147 20 45 119 73 102 106 93 145 Females 2 and over.................... 118 26 34 38 60 85 110 95 169 336 Children under 2...................... 40 19 29 14 24 28 34 47 75 73 Other apparel products and services... 68 15 16 8 133 46 54 88 57 144 Jewelry and watches................. 38 12 3 4 90 24 26 39 31 86 All other apparel products and serv. 30 3 14 4 43 22 28 50 26 59 Transportation.......................... 63 77 21 31 45 52 57 82 79 113 Health care............................. 28 48 10 8 15 21 18 18 64 54 Entertainment........................... 109 44 30 33 87 58 123 154 174 201 Toys, games, hobbies, and tricycles... 44 10 12 15 36 30 43 56 67 90 Other entertainment................... 65 33 18 18 52 29 80 98 108 111 Education............................... 179 0 1 51 64 62 48 169 122 854 All other gifts......................... 193 203 163 89 132 81 149 211 307 417 __________________________________________ 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.