Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995 - 1996 __________________________________________________________________________________________________________________________________________________________________________________________________________________ | | Complete reporting of income |_____________________________________________________________________________________________________________________________________________________ Item | | | | | | | | | | |Total complete| Less than | $5,000 to | $10,000 to | $15,000 to | $20,000 to | $30,000 to | $40,000 to | $50,000 to | $70,000 and | reporting | $5,000 | $9,999 | $14,999 | $19,999 | $29,999 | $39,999 | $49,999 | $69,999 | over ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | | | Number of consumer units (in thousands).....................| 14,955| 485| 885| 788| 903| 2,023| 1,808| 1,589| 2,870| 3,605 Income before taxes 1/......................................| $51,860| $-1,383| $7,433| $12,292| $17,552| $24,733| $34,626| $44,511| $58,860| $108,692 Income after taxes 1/.......................................| 47,058| -1,502| 7,155| 12,191| 17,083| 23,230| 31,999| 40,779| 53,372| 97,172 Age of reference person.....................................| 49.1| 49.5| 49.3| 49.3| 49.5| 49.4| 48.7| 49.0| 49.0| 49.1 Average number in consumer unit: | | | | | | | | | | Persons....................................................| 2.8| 2.0| 2.2| 2.5| 2.5| 2.5| 2.8| 2.6| 3.1| 3.2 Children under 18..........................................| 0.6| 0.5| 0.5| 0.7| 0.7| 0.6| 0.7| 0.5| 0.7| 0.7 Persons 65 and over........................................| 0.0| 0.0| 0.1| 0.1| 0.0| 0.0| 0.0| 0.1| 0.0| 0.0 Earners....................................................| 1.9| 0.9| 0.9| 1.1| 1.4| 1.6| 1.9| 1.9| 2.3| 2.4 Vehicles...................................................| 2.5| 1.4| 1.2| 1.5| 1.7| 2.2| 2.5| 2.7| 3.1| 3.1 Percent distribution: | | | | | | | | | | Male.......................................................| 65| 45| 43| 43| 46| 58| 59| 69| 77| 80 Female.....................................................| 35| 55| 57| 57| 54| 42| 41| 31| 23| 20 Percent homeowner..........................................| 76| 46| 42| 45| 60| 64| 76| 82| 88| 94 With mortgage.............................................| 58| 26| 26| 27| 35| 43| 54| 65| 71| 79 Without mortgage..........................................| 18| 20| 16| 17| 25| 21| 21| 17| 17| 14 Renter.....................................................| 24| 54| 58| 55| 40| 36| 24| 18| 12| 6 Black......................................................| 11| 24| 20| 20| 17| 15| 13| 10| 6| 6 White and other............................................| 89| 76| 80| 80| 83| 85| 87| 90| 94| 94 Elementary (1-8)...........................................| 5| 11| 13| 13| 8| 8| 7| 4| 3| 1 High school (9-12).........................................| 39| 61| 58| 53| 55| 55| 41| 39| 36| 19 College....................................................| 55| 27| 28| 35| 36| 37| 52| 56| 61| 80 Never attended and other...................................| 0| 1| 1| 0| 0| 0| 1| 0| 0| 0 At least one vehicle owned.................................| 92| 62| 66| 83| 83| 95| 94| 95| 97| 97 Average annual expenditures.................................| $45,107| $18,648| $19,127| $20,046| $23,496| $28,927| $35,968| $42,139| $50,022| $75,428 Food.......................................................| 5,957| 3,053| 2,829| 3,819| 3,554| 4,620| 4,777| 5,772| 6,722| 8,421 Food at home..............................................| 3,497| 2,160| 2,181| 2,620| 2,495| 3,079| 3,092| 3,208| 3,944| 4,388 Cereals and bakery products..............................| 539| 283| 303| 323| 363| 507| 461| 515| 589| 704 Cereals and cereal products.............................| 188| 105| 133| 119| 133| 190| 169| 182| 184| 244 Bakery products.........................................| 351| 178| 170| 204| 231| 318| 292| 333| 405| 460 Meats, poultry, fish, and eggs...........................| 925| 682| 739| 893| 769| 844| 810| 777| 1,030| 1,087 Beef....................................................| 275| 203| 210| 285| 227| 252| 266| 233| 309| 306 Pork....................................................| 185| 110| 173| 200| 186| 188| 150| 151| 211| 199 Other meats.............................................| 123| 82| 79| 105| 100| 105| 103| 97| 134| 160 Poultry.................................................| 181| 139| 159| 114| 147| 172| 166| 170| 187| 220 Fish and seafood........................................| 127| 118| 86| 153| 73| 92| 85| 98| 149| 169 Eggs....................................................| 35| 30| 32| 37| 37| 35| 42| 28| 40| 33 Dairy products...........................................| 368| 225| 207| 249| 245| 321| 359| 338| 417| 459 Fresh milk and cream....................................| 146| 80| 102| 129| 100| 149| 164| 129| 160| 159 Other dairy products....................................| 223| 145| 105| 120| 145| 172| 196| 209| 257| 300 Fruits and vegetables....................................| 564| 302| 330| 347| 416| 493| 512| 508| 626| 734 Fresh fruits............................................| 173| 64| 83| 89| 145| 142| 166| 146| 201| 228 Fresh vegetables........................................| 177| 106| 101| 100| 133| 157| 161| 154| 181| 242 Processed fruits........................................| 117| 50| 75| 81| 65| 104| 100| 110| 138| 151 Processed vegetables....................................| 97| 81| 71| 77| 72| 91| 85| 98| 106| 113 Other food at home.......................................| 1,100| 669| 602| 808| 702| 914| 949| 1,070| 1,282| 1,405 Sugar and other sweets..................................| 136| 100| 66| 104| 92| 94| 127| 138| 161| 172 Fats and oils...........................................| 97| 62| 69| 104| 59| 103| 96| 95| 102| 107 Miscellaneous foods.....................................| 478| 302| 206| 289| 298| 408| 380| 474| 583| 613 Nonalcoholic beverages..................................| 327| 192| 228| 291| 239| 283| 293| 308| 357| 402 Food prepared by consumer unit on out-of-town trips.....| 62| 13| 32| 20| 13| 26| 53| 54| 78| 111 Food away from home.......................................| 2,460| 893| 647| 1,199| 1,059| 1,541| 1,685| 2,564| 2,778| 4,033 Alcoholic beverages........................................| 391| 148| 78| 268| 178| 163| 252| 323| 440| 698 Housing....................................................| 13,093| 6,640| 6,168| 7,271| 7,855| 9,196| 10,678| 11,664| 13,340| 21,834 Shelter...................................................| 7,365| 3,950| 3,599| 4,273| 4,372| 5,048| 5,925| 6,375| 7,339| 12,653 Owned dwellings..........................................| 5,401| 1,478| 1,429| 1,584| 2,157| 2,792| 4,214| 4,871| 5,793| 10,531 Mortgage interest and charges...........................| 3,216| 788| 677| 885| 1,151| 1,657| 2,592| 2,818| 3,375| 6,428 Property taxes..........................................| 1,250| 398| 540| 354| 518| 655| 957| 1,026| 1,332| 2,432 Maintenance, repairs, insurance, other expenses.........| 935| 292| 212| 344| 487| 480| 665| 1,026| 1,085| 1,671 Rented dwellings.........................................| 1,370| 2,346| 2,098| 2,434| 2,046| 2,073| 1,416| 1,095| 937| 705 Other lodging............................................| 594| 127| 72| 255| 169| 183| 295| 409| 608| 1,417 Utilities, fuels, and public services.....................| 2,700| 1,651| 1,762| 2,034| 2,210| 2,195| 2,566| 2,592| 2,935| 3,549 Natural gas..............................................| 320| 195| 217| 249| 239| 240| 286| 311| 336| 450 Electricity..............................................| 1,040| 686| 688| 809| 901| 856| 1,003| 977| 1,150| 1,323 Fuel oil and other fuels.................................| 104| 60| 83| 66| 62| 81| 107| 111| 113| 136 Telephone services.......................................| 898| 558| 614| 658| 739| 766| 840| 857| 971| 1,169 Water and other public services..........................| 337| 151| 160| 252| 269| 252| 330| 336| 366| 471 Household operations......................................| 476| 132| 115| 170| 340| 145| 313| 339| 346| 1,140 Personal services........................................| 115| 56| 7| 67| 132| 30| 151| 148| 105| 181 Other household expenses.................................| 361| 76| 108| 103| 208| 114| 162| 191| 240| 959 Housekeeping supplies.....................................| 641| 381| 156| 334| 295| 495| 420| 649| 662| 1,019 Laundry and cleaning supplies............................| 148| 80| 73| 156| 100| 124| 134| 175| 141| 188 Other household products.................................| 280| 116| 52| 143| 121| 215| 176| 307| 319| 428 Postage and stationery...................................| 214| 186| 31| 35| 75| 156| 111| 167| 201| 404 Household furnishings and equipment.......................| 1,911| 526| 537| 460| 639| 1,313| 1,454| 1,710| 2,059| 3,473 Household textiles.......................................| 107| 33| 57| 29| 40| 47| 94| 80| 103| 216 Furniture................................................| 387| 108| 106| 111| 156| 182| 347| 258| 405| 789 Floor coverings..........................................| 169| 11| 28| 3| 57| 283| 74| 251| 166| 231 Major appliances.........................................| 212| 71| 59| 110| 115| 179| 162| 159| 304| 310 Small appliances, miscellaneous housewares...............| 103| 19| 31| 23| 58| 55| 70| 65| 131| 185 Miscellaneous household equipment........................| 932| 283| 255| 183| 213| 567| 706| 897| 949| 1,742 Apparel and services.......................................| 2,524| 1,205| 857| 722| 848| 1,427| 1,498| 2,331| 2,463| 4,724 Men and boys..............................................| 591| 163| 109| 255| 171| 357| 376| 468| 614| 1,127 Men, 16 and over.........................................| 494| 132| 89| 215| 128| 298| 307| 382| 508| 952 Boys, 2 to 15............................................| 97| 31| 20| 40| 42| 59| 69| 87| 106| 175 Women and girls...........................................| 1,026| 727| 407| 229| 363| 607| 622| 1,166| 994| 1,790 Women, 16 and over.......................................| 914| 648| 375| 144| 316| 507| 494| 1,074| 858| 1,649 Girls, 2 to 15...........................................| 112| 80| 32| 86| 48| 100| 128| 92| 136| 141 Children under 2..........................................| 76| 2| 53| 15| 36| 54| 66| 95| 74| 117 Footwear..................................................| 367| 161| 143| 192| 152| 218| 212| 360| 377| 631 Other apparel products and services.......................| 464| 152| 145| 31| 127| 191| 221| 242| 405| 1,059 Transportation.............................................| 8,373| 3,414| 4,310| 3,306| 4,377| 5,804| 7,620| 8,289| 10,462| 12,328 Vehicle purchases (net outlay)............................| 3,670| 1,518| 2,322| 1,139| 1,743| 2,662| 3,548| 3,712| 5,034| 4,849 Cars and trucks, new.....................................| 1,442| 501| 853| 120| 96| 551| 864| 1,494| 2,001| 2,661 Cars and trucks, used....................................| 2,185| 1,017| 1,469| 1,005| 1,647| 2,111| 2,659| 2,218| 2,913| 2,121 Other vehicles...........................................| 43| 0| 0| 15| 0| 0| 25| 0| 120| 67 Gasoline and motor oil....................................| 1,403| 518| 712| 833| 840| 1,085| 1,357| 1,445| 1,713| 1,892 Other vehicle expenses....................................| 2,828| 1,122| 1,103| 1,156| 1,572| 1,831| 2,416| 2,814| 3,267| 4,575 Vehicle finance charges..................................| 392| 119| 117| 133| 299| 284| 370| 406| 451| 594 Maintenance and repairs..................................| 917| 453| 421| 422| 465| 722| 769| 962| 1,092| 1,340 Vehicle insurance........................................| 959| 312| 403| 466| 611| 627| 897| 890| 1,132| 1,488 Vehicle rental, leases, licenses, other charges..........| 561| 239| 161| 135| 197| 198| 380| 555| 593| 1,154 Public transportation.....................................| 472| 256| 173| 178| 221| 226| 299| 318| 448| 1,012 Health care................................................| 1,861| 905| 981| 884| 1,167| 1,499| 1,859| 1,771| 2,112| 2,620 Health insurance..........................................| 800| 358| 366| 392| 498| 707| 793| 801| 852| 1,144 Medical services..........................................| 628| 220| 401| 212| 405| 409| 645| 545| 762| 931 Drugs.....................................................| 303| 309| 170| 242| 210| 310| 320| 278| 331| 336 Medical supplies..........................................| 130| 18| 45| 38| 55| 73| 101| 148| 168| 209 Entertainment..............................................| 2,455| 597| 841| 826| 961| 1,501| 1,902| 2,946| 2,599| 4,197 Fees and admissions.......................................| 570| 109| 134| 126| 183| 175| 260| 426| 601| 1,350 Television, radios, sound equipment.......................| 671| 201| 407| 348| 437| 433| 636| 668| 767| 1,005 Pets, toys, and playground equipment......................| 502| 123| 151| 303| 228| 362| 392| 483| 746| 655 Other entertainment supplies, equipment and services......| 712| 165| 149| 48| 112| 530| 614| 1,369| 484| 1,187 Personal care products and services........................| 664| 293| 271| 277| 321| 473| 558| 739| 706| 1,029 Reading....................................................| 205| 68| 82| 73| 104| 112| 172| 194| 224| 368 Education..................................................| 890| 441| 104| 291| 319| 269| 470| 414| 1,052| 2,047 Tobacco products and smoking supplies......................| 350| 303| 302| 348| 349| 409| 385| 299| 404| 299 Miscellaneous..............................................| 1,157| 988| 1,056| 465| 734| 726| 1,202| 976| 1,273| 1,660 Cash contributions.........................................| 1,514| 122| 736| 641| 1,039| 435| 1,167| 1,322| 1,486| 3,086 Personal insurance and pensions............................| 5,673| 471| 511| 853| 1,690| 2,293| 3,428| 5,101| 6,741| 12,117 Life and other personal insurance.........................| 541| 252| 172| 224| 278| 291| 387| 476| 612| 995 Pensions and Social Security..............................| 5,133| 219| 339| 629| 1,412| 2,002| 3,041| 4,624| 6,129| 11,122 Money income before taxes 1/...............................| 51,860| -1,383| 7,433| 12,292| 17,552| 24,733| 34,626| 44,511| 58,860| 108,692 Wages and salaries........................................| 44,538| 1,190| 3,070| 7,058| 13,276| 20,711| 29,373| 39,622| 53,144| 92,855 Self-employment income....................................| 3,755| -4,364| 192| 181| 870| 949| 1,756| 2,580| 2,738| 11,130 Social Security, private and government retirement........| 1,678| 660| 1,671| 2,956| 1,794| 1,510| 2,085| 1,016| 1,534| 1,804 Interest, dividends, rental income, other property income.| 752| 271| 83| 82| 128| 268| 323| 339| 713| 1,983 Unemployment and workers' compensation, veterans' benefits| 344| 120| 273| 383| 475| 454| 274| 394| 342| 304 Public assistance, supplemental security income, food | | | | | | | | | | stamps.................................................| 401| 586| 1,935| 1,451| 667| 546| 216| 251| 79| 38 Regular contributions for support.........................| 253| 28| 140| 93| 226| 174| 412| 251| 219| 346 Other income..............................................| 138| 126| 70| 88| 115| 121| 186| 58| 90| 233 Personal taxes 1/..........................................| 4,802| 119| 278| 101| 469| 1,503| 2,627| 3,732| 5,488| 11,520 Federal income taxes......................................| 3,639| 66| 75| 12| 271| 1,071| 1,968| 2,829| 4,101| 8,898 State and local income taxes..............................| 972| 22| 31| 62| 147| 328| 511| 775| 1,191| 2,243 Other taxes...............................................| 190| 31| 172| 27| 51| 104| 148| 129| 196| 379 Income after taxes 1/......................................| 47,058| -1,502| 7,155| 12,191| 17,083| 23,230| 31,999| 40,779| 53,372| 97,172 Net change in total assets and liabilities.................| -2,735| 4,243| -976| -2,129| -1,034| -930| -7,846| -2,958| -615| -4,705 Net change in total assets................................| 3,303| 7,086| -38| 3,183| 1,173| 1,192| 2,789| 1,387| 2,750| 6,900 Net change in total liabilities...........................| 6,039| 2,843| 938| 5,312| 2,207| 2,122| 10,635| 4,346| 3,365| 11,605 Other money receipts.......................................| 695| 604| 11| 173| 158| 605| 145| 313| 967| 1,400 Mortgage principal paid on owned property..................| -1,696| -529| -496| -434| -594| -755| -1,040| -1,478| -2,002| -3,411 Estimated market value of owned home.......................| 94,274| 41,047| 38,585| 33,418| 38,737| 53,107| 76,079| 83,639| 99,882| 174,756 Estimated monthly rental value of owned home...............| 641| 290| 239| 261| 333| 405| 543| 596| 705| 1,096 Gifts of goods and services................................| 1,863| 859| 562| 593| 927| 736| 1,079| 1,282| 2,219| 3,653 Food......................................................| 145| 14| 9| 96| 22| 81| 101| 95| 144| 311 Housing...................................................| 452| 179| 70| 222| 229| 203| 223| 384| 450| 928 Housekeeping supplies....................................| 61| 40| 6| 1| 9| 52| 26| 79| 54| 113 Household textiles.......................................| 11| 5| 5| 5| 11| 7| 10| 10| 10| 17 Appliances and miscellaneous housewares..................| 41| 5| 5| 2| 35| 12| 20| 25| 49| 86 Major appliances........................................| 10| 0| 1| 0| 22| 4| 3| 4| 17| 18 Small appliances and miscellaneous housewares...........| 31| 5| 4| 2| 13| 8| 18| 21| 32| 68 Miscellaneous household equipment........................| 133| 75| 20| 24| 26| 49| 83| 126| 149| 254 Other housing............................................| 206| 55| 34| 190| 148| 83| 84| 143| 189| 458 Apparel and services......................................| 413| 357| 206| 45| 165| 209| 331| 209| 415| 777 Males, 2 and over........................................| 104| 121| 29| 13| 17| 93| 84| 38| 123| 178 Females, 2 and over......................................| 125| 107| 9| 10| 100| 46| 114| 72| 149| 216 Children under 2.........................................| 57| 2| 42| 2| 22| 29| 56| 51| 57| 101 Other apparel products and services......................| 126| 127| 126| 19| 26| 42| 76| 48| 87| 282 Jewelry and watches.....................................| 77| 0| 109| 3| 13| 18| 61| 27| 43| 183 All other apparel products and services.................| 49| 127| 17| 16| 12| 24| 15| 21| 44| 99 Transportation............................................| 83| 3| 16| 27| 17| 14| 40| 66| 149| 155 Health care...............................................| 47| 10| 32| 11| 24| 27| 30| 37| 72| 71 Entertainment.............................................| 195| 170| 26| 59| 124| 60| 75| 190| 393| 242 Toys, games, hobbies, and tricycles......................| 50| 18| 6| 39| 50| 37| 25| 54| 53| 74 Other entertainment......................................| 145| 152| 20| 21| 74| 23| 51| 136| 340| 168 Education.................................................| 331| 56| 9| 72| 177| 62| 133| 132| 349| 864 All other gifts...........................................| 198| 69| 194| 60| 169| 79| 146| 169| 246| 306 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.