Table 2. Consumer units of two or more 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)... 60,089 1,709 4,249 5,230 5,154 9,498 8,433 6,925 9,499 9,392 Income before taxes 1/.................... $42,782 ($2,472) $7,612 $12,504 $17,328 $24,734 $34,603 $44,474 $58,577 $106,125 Income after taxes 1/..................... 39,286 (3,059) 7,536 12,329 16,926 23,541 32,280 41,101 53,338 95,296 Age of reference person................... 46.4 42.3 46.4 49.8 51 47.8 45 44.7 44.4 46.2 Average number in consumer unit:.......... Persons.................................. 3.1 3.1 3 3 2.9 3.1 3.2 3.2 3.3 3.2 Children under 18........................ 1 1.2 1.1 1 0.9 0.9 1 1 1 0.9 Persons 65 and over...................... 0.3 0.2 0.4 0.6 0.6 0.5 0.3 0.2 0.1 0.1 Earners.................................. 1.6 1.1 0.8 0.9 1.1 1.4 1.8 1.9 2.1 2.2 Vehicles................................. 2.3 1.6 1.3 1.6 1.8 2.2 2.5 2.8 2.8 2.9 Percent distribution: Male..................................... 70 44 39 54 62 68 73 79 80 81 Female................................... 30 56 61 46 38 32 27 21 20 19 Percent homeowner........................ 71 44 42 52 59 65 71 77 84 92 With mortgage........................... 45 22 14 18 23 34 46 55 66 75 Without mortgage........................ 25 23 29 34 37 31 25 22 18 16 Renter................................... 29 56 58 48 41 35 29 23 16 8 Black.................................... 11 25 24 18 13 12 9 8 6 5 White and other.......................... 89 75 76 82 87 88 91 92 94 95 Elementary (1-8)......................... 8 10 20 16 16 10 6 4 2 1 High school (9-12)....................... 45 53 56 57 58 55 49 44 37 21 College.................................. 47 37 23 27 26 34 45 52 61 78 Never attended and other................. 0 0 0 1 0 0 0 0 0 0 At least one vehicle owned............... 92 75 69 82 89 95 96 99 97 97 Average annual expenditures............... $38,504 $22,667 $16,952 $20,432 $24,310 $28,351 $34,181 $40,639 $49,178 $70,624 Food..................................... 5,442 3,689 3,180 3,625 4,365 4,481 5,171 5,739 6,510 8,220 Food at home............................ 3,390 2,608 2,620 2,720 3,164 3,036 3,294 3,576 3,789 4,248 Cereals and bakery products............ 537 391 386 409 509 465 524 576 610 690 Cereals and cereal products........... 204 162 162 170 204 185 197 224 220 244 Bakery products....................... 332 229 224 239 304 281 327 352 390 446 Meats, poultry, fish, and eggs......... 905 784 818 798 949 843 902 923 923 1,028 Beef.................................. 284 230 248 239 296 260 297 305 296 310 Pork.................................. 190 147 215 172 223 194 192 188 180 187 Other meats........................... 121 111 95 111 127 111 117 122 127 142 Poultry............................... 164 148 142 144 156 140 161 176 168 204 Fish and seafood...................... 109 118 82 90 102 100 99 98 118 149 Eggs.................................. 37 32 36 41 44 37 36 35 35 36 Dairy products......................... 365 285 261 290 331 327 355 383 415 465 Fresh milk and cream.................. 157 141 125 140 150 157 155 167 171 167 Other dairy products.................. 208 144 136 150 180 170 200 216 244 297 Fruits and vegetables.................. 538 433 371 436 496 484 522 555 595 700 Fresh fruits.......................... 165 139 119 127 147 151 152 164 181 232 Fresh vegetables...................... 165 130 110 131 152 153 164 167 179 219 Processed fruits...................... 113 95 75 95 106 94 113 120 128 144 Processed vegetables.................. 94 69 66 83 92 87 93 104 107 105 Other food at home..................... 1,046 715 785 786 880 917 992 1,139 1,247 1,365 Sugar and other sweets................ 139 81 116 120 114 122 131 154 161 173 Fats and oils......................... 98 82 85 90 94 89 97 109 100 113 Miscellaneous foods................... 461 327 329 325 383 387 452 496 562 615 Nonalcoholic beverages................ 292 194 235 222 265 273 265 318 346 358 Food prep. by cu, out-of-town trips... 57 32 19 28 24 46 47 63 78 106 Food away from home..................... 2,052 1,080 560 905 1,201 1,445 1,876 2,163 2,721 3,972 Alcoholic beverages...................... 308 174 99 142 151 221 246 316 439 604 Housing.................................. 11,789 8,045 6,028 7,137 7,765 8,777 10,487 11,733 14,431 21,433 Shelter................................. 6,448 4,497 3,233 3,810 4,107 4,594 5,721 6,367 7,762 12,272 Owned dwellings........................ 4,345 1,987 1,108 1,575 1,899 2,372 3,602 4,405 6,023 10,044 Mortgage interest and charges......... 2,526 898 407 583 762 1,143 2,019 2,606 3,817 6,317 Property taxes........................ 1,061 619 378 554 615 686 903 1,029 1,361 2,217 Maintenance, rep., ins., oth. exp..... 759 470 324 438 522 543 680 771 844 1,510 Rented dwellings....................... 1,644 2,235 2,049 2,073 1,952 1,943 1,823 1,598 1,220 945 Other lodging.......................... 460 275 76 162 256 280 296 364 520 1,283 Utilities, fuels, and public services... 2,487 2,120 1,821 2,007 2,139 2,252 2,387 2,537 2,753 3,336 Natural gas............................ 314 240 248 277 275 277 287 319 332 441 Electricity............................ 989 878 733 813 844 927 969 997 1,073 1,291 Fuel oil and other fuels............... 101 70 68 76 105 100 101 109 112 114 Telephone.............................. 778 721 590 611 671 696 741 787 875 1,039 Water and other public services........ 305 212 181 230 246 252 290 326 360 451 Household operations.................... 619 325 185 282 345 406 529 581 689 1,460 Personal services...................... 338 136 86 157 173 245 362 388 415 636 Other household expenses............... 281 188 99 125 172 161 167 193 274 824 Housekeeping supplies................... 525 343 225 330 353 434 502 567 634 857 Laundry and cleaning supplies.......... 142 121 90 106 122 131 144 146 163 188 Other household products............... 237 139 95 122 151 187 216 254 292 427 Postage and stationery................. 145 83 41 102 81 116 142 168 178 242 Household furnishings and equipment..... 1,709 759 563 709 820 1,091 1,347 1,680 2,593 3,508 Household textiles..................... 125 30 63 36 63 81 102 146 183 244 Furniture.............................. 378 162 147 212 244 257 336 343 448 802 Floor coverings........................ 206 14 23 30 40 117 80 95 544 453 Major appliances....................... 184 167 113 133 139 159 188 184 218 257 Small appliances, misc. housewares..... 102 59 37 51 54 64 104 110 137 186 Miscellaneous household equipment...... 715 327 180 246 279 413 536 803 1,063 1,567 Apparel and services..................... 2,039 1,297 997 1,036 1,274 1,513 1,722 2,091 2,527 3,881 Men and boys............................ 517 303 208 236 325 395 462 497 657 995 Men, 16 and over....................... 385 197 115 149 241 296 360 363 458 795 Boys, 2 to 15.......................... 133 106 93 87 84 100 102 134 199 200 Women and girls......................... 784 439 337 346 458 565 629 863 975 1,567 Women, 16 and over..................... 645 326 246 241 377 441 491 718 811 1,366 Girls, 2 to 15......................... 139 113 91 105 81 124 138 146 163 201 Children under 2........................ 112 89 116 74 63 94 124 106 135 156 Footwear................................ 315 260 205 222 223 263 274 344 376 478 Other apparel products and services..... 310 205 131 157 206 195 233 280 384 685 Transportation........................... 7,275 4,091 2,821 3,683 4,476 5,795 6,720 8,608 9,593 12,072 Vehicle purchases (net outlay).......... 3,267 1,736 1,082 1,605 1,959 2,775 3,009 4,289 4,247 5,162 Cars and trucks, new................... 1,501 556 413 646 770 975 1,230 1,928 1,976 3,025 Cars and trucks, used.................. 1,727 1,180 653 958 1,175 1,790 1,740 2,294 2,191 2,082 Other vehicles......................... 38 0 16 0 14 10 39 67 80 55 Gasoline and motor oil.................. 1,192 772 660 755 824 1,011 1,234 1,343 1,501 1,677 Other vehicle expenses.................. 2,388 1,299 923 1,150 1,417 1,770 2,158 2,646 3,335 4,155 Vehicle finance charges................ 315 111 93 101 160 231 327 432 462 495 Maintenance and repairs................ 795 515 358 448 500 618 712 900 1,127 1,240 Vehicle insurance...................... 836 460 313 462 560 655 809 954 1,121 1,333 Veh. rent., leas., licen., oth. chges.. 442 212 159 139 197 266 310 360 625 1,087 Public transportation................... 427 283 156 173 276 239 318 331 509 1,078 Health care.............................. 2,000 1,154 1,195 1,560 1,868 1,926 1,880 2,120 2,269 2,654 Health insurance........................ 957 467 583 843 997 974 952 1,039 998 1,145 Medical services........................ 614 413 316 317 411 502 564 656 822 980 Drugs................................... 325 217 264 325 378 370 280 310 320 356 Medical supplies........................ 103 56 33 75 83 81 85 115 128 174 Entertainment............................ 1,911 1,061 777 893 946 1,250 1,628 1,982 2,555 3,894 Fees and admissions..................... 521 314 126 216 194 253 375 472 691 1,354 Television, radios, sound equipment..... 626 362 335 370 407 484 609 683 838 974 Pets, toys, and playground equipment.... 389 217 173 171 202 301 351 410 543 691 Other supplies, equip., and services.... 375 167 142 136 142 213 293 417 482 875 Personal care products and services...... 492 303 225 281 339 396 486 536 649 757 Reading.................................. 188 107 66 91 114 136 172 196 247 354 Education................................ 546 439 201 194 231 241 388 506 664 1,451 Tobacco products and smoking supplies.... 309 281 249 271 301 333 360 313 347 253 Miscellaneous............................ 879 1,107 417 456 642 621 925 1,012 1,087 1,328 Cash contributions....................... 1,180 358 347 343 618 753 841 1,028 1,568 2,936 Personal insurance and pensions.......... 4,147 565 350 722 1,220 1,907 3,154 4,460 6,294 10,785 Life and other personal insurance....... 498 199 128 233 293 322 386 517 656 1,083 Pensions and Social Security............ 3,649 366 222 489 927 1,585 2,768 3,943 5,638 9,702 Money income before taxes 1/.............. 42,782 (2,472) 7,612 12,504 17,328 24,734 34,603 44,474 58,577 106,125 Wages and salaries....................... 33,854 1,913 2,244 4,895 8,807 16,197 26,718 36,743 50,654 88,975 Self-employment income................... 2,295 (6,372) 135 402 477 784 1,422 1,935 2,801 8,969 Soc. Sec., priv. and gov. retirement..... 4,316 649 2,346 4,474 6,243 5,986 4,562 4,121 3,100 4,189 Int., divid., rent. inc., property inc... 970 122 72 124 241 489 716 785 1,139 3,083 Unemp. and workers' compen., vet. ben.... 324 56 125 233 369 435 418 360 325 266 Pub. ass., supp. sec. inc., foodstamps... 586 980 2,397 2,008 833 446 221 132 62 103 Regular contributions for support........ 279 112 187 251 266 288 404 210 276 308 Other income............................. 157 67 105 117 91 109 141 189 219 231 Personal taxes 1/......................... 3,496 586 76 175 402 1,193 2,323 3,373 5,240 10,829 Federal income taxes..................... 2,572 447 (22) 45 196 760 1,631 2,435 3,826 8,352 State and local income taxes............. 723 72 14 66 105 262 512 719 1,144 2,102 Other taxes.............................. 201 68 84 64 102 171 180 219 269 375 Income after taxes 1/..................... 39,286 (3,059) 7,536 12,329 16,926 23,541 32,280 41,101 53,338 95,296 Net change in total assets and liabilities (1,125) 1,136 (374) (7) (2,368) (1,736) 106 (2,172) (4,249) 1,625 Net change in total assets............... 4,175 2,299 112 1,861 (359) 662 5,041 4,179 5,272 11,798 Net change in total liabilities.......... 5,301 1,163 485 1,868 2,009 2,398 4,934 6,351 9,521 10,173 Other money receipts...................... 647 542 481 175 268 488 342 700 608 1,651 Mortgage principal paid, owned property... (1,357) (768) (236) (333) (414) (545) (916) (1,296) (1,801) (3,872) Estimated market value of owned home...... 81,672 50,110 29,641 41,868 48,270 53,297 67,737 78,061 100,050 176,730 Est. monthly rental value of owned home... 560 354 224 308 349 409 487 567 709 1,071 Gifts of goods and services............... 1,134 626 462 451 740 645 875 1,059 1,428 2,603 Food.................................... 99 17 26 35 33 55 76 102 125 257 Housing................................. 299 221 128 146 165 165 261 273 393 639 Housekeeping supplies................. 47 17 11 18 19 36 44 49 61 96 Household textiles.................... 14 3 9 3 9 10 8 15 25 24 Appliances and misc. housewares....... 31 36 9 10 18 13 37 28 40 63 Major appliances.................... 6 0 1 2 6 6 4 9 6 10 Small appl. and misc. housewares.... 25 36 9 8 11 7 33 20 33 54 Miscellaneous household equipment..... 76 49 18 19 43 38 66 65 134 157 Other housing......................... 130 116 80 96 76 68 106 116 134 298 Apparel and services.................... 283 173 114 115 257 197 255 270 339 547 Males 2 and over...................... 76 106 14 35 70 51 78 76 82 137 Females 2 and over.................... 105 25 53 36 69 70 88 91 134 231 Children under 2...................... 49 30 30 31 27 36 49 45 68 78 Other apparel products and services... 54 12 18 14 90 39 40 58 55 101 Jewelry and watches................. 24 7 3 4 51 14 16 25 25 52 All other apparel products and serv. 29 5 15 9 39 26 24 33 30 49 Transportation.......................... 53 43 16 20 31 38 40 52 85 100 Health care............................. 26 24 43 7 8 16 14 16 35 60 Entertainment........................... 94 44 23 29 61 54 81 112 126 196 Toys, games, hobbies, and tricycles... 36 13 10 13 27 26 35 44 50 64 Other entertainment................... 58 31 13 16 34 28 47 67 76 133 Education............................... 145 3 12 40 84 47 35 105 137 556 All other gifts......................... 135 101 100 58 101 73 113 130 188 248 __________________________________________ 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.