Table 5. Consumer units with reference person age 55-64 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).....................| 9,486| 561| 1,046| 821| 749| 1,477| 1,194| 1,058| 1,122| 1,459 Income before taxes 1/......................................| $39,417| $1,472| $7,444| $12,278| $17,200| $25,064| $34,564| $44,572| $58,744| $103,475 Income after taxes 1/.......................................| 36,080| 920| 7,282| 11,870| 16,609| 23,596| 32,059| 40,804| 53,307| 93,090 Age of reference person.....................................| 59.4| 59.3| 60.2| 60.0| 60.2| 59.6| 59.3| 59.1| 58.7| 58.7 Average number in consumer unit: | | | | | | | | | | Persons....................................................| 2.3| 1.8| 1.6| 2.1| 2.2| 2.4| 2.5| 2.4| 2.4| 2.7 Children under 18..........................................| 0.2| 0.2| 0.1| 0.3| 0.4| 0.3| 0.2| 0.2| 0.2| 0.2 Persons 65 and over........................................| 0.1| 0.0| 0.1| 0.1| 0.1| 0.1| 0.1| 0.1| 0.0| 0.1 Earners....................................................| 1.4| 0.9| 0.4| 1.0| 1.1| 1.3| 1.5| 1.7| 1.8| 2.1 Vehicles...................................................| 2.3| 1.6| 1.1| 1.7| 1.9| 2.3| 2.6| 2.6| 2.7| 3.2 Percent distribution: | | | | | | | | | | Male.......................................................| 63| 49| 31| 43| 60| 60| 71| 70| 78| 84 Female.....................................................| 37| 51| 69| 57| 40| 40| 29| 30| 22| 16 Percent homeowner..........................................| 80| 70| 55| 70| 76| 78| 85| 89| 91| 93 With mortgage.............................................| 39| 22| 19| 29| 38| 33| 38| 45| 56| 58 Without mortgage..........................................| 41| 48| 36| 42| 38| 45| 47| 43| 34| 35 Renter.....................................................| 20| 30| 45| 30| 24| 22| 15| 11| 9| 7 Black......................................................| 10| 19| 21| 12| 11| 11| 8| 9| 6| 4 White and other............................................| 90| 81| 79| 88| 89| 89| 92| 91| 94| 96 Elementary (1-8)...........................................| 11| 15| 32| 17| 15| 11| 10| 7| 3| 1 High school (9-12).........................................| 45| 51| 47| 56| 55| 54| 47| 42| 38| 25 College....................................................| 43| 33| 20| 25| 29| 34| 43| 50| 60| 74 Never attended and other...................................| 1| 1| 1| 2| 1| 1| 0| 0| 0| 1 At least one vehicle owned.................................| 90| 73| 68| 87| 91| 93| 96| 95| 99| 97 Average annual expenditures.................................| $36,215| $19,345| $13,684| $20,702| $24,717| $26,213| $33,828| $40,825| $46,725| $73,154 Food.......................................................| 4,963| 3,413| 2,475| 3,280| 4,153| 3,831| 4,409| 5,912| 6,294| 8,278 Food at home..............................................| 3,076| 2,381| 1,986| 2,454| 2,968| 2,462| 2,774| 3,724| 3,586| 4,374 Cereals and bakery products..............................| 463| 392| 276| 379| 437| 351| 430| 544| 587| 644 Cereals and cereal products.............................| 155| 135| 84| 171| 147| 109| 150| 178| 204| 196 Bakery products.........................................| 308| 256| 192| 208| 290| 242| 280| 366| 383| 447 Meats, poultry, fish, and eggs...........................| 819| 731| 587| 734| 847| 633| 743| 1,042| 913| 1,048 Beef....................................................| 252| 227| 194| 202| 236| 203| 192| 328| 327| 326 Pork....................................................| 169| 152| 144| 153| 198| 134| 206| 177| 179| 166 Other meats.............................................| 111| 86| 67| 94| 126| 81| 95| 147| 113| 163 Poultry.................................................| 150| 173| 84| 151| 160| 93| 142| 215| 155| 195 Fish and seafood........................................| 100| 66| 59| 100| 97| 87| 72| 137| 96| 152 Eggs....................................................| 38| 26| 39| 35| 30| 36| 36| 38| 43| 46 Dairy products...........................................| 324| 257| 203| 239| 293| 261| 306| 400| 377| 467 Fresh milk and cream....................................| 130| 136| 101| 111| 118| 120| 123| 153| 156| 144 Other dairy products....................................| 194| 120| 102| 129| 175| 141| 183| 247| 221| 322 Fruits and vegetables....................................| 536| 361| 337| 408| 556| 441| 482| 636| 601| 782 Fresh fruits............................................| 170| 91| 88| 123| 152| 149| 157| 201| 196| 265 Fresh vegetables........................................| 171| 130| 107| 133| 178| 127| 146| 190| 199| 267 Processed fruits........................................| 109| 82| 72| 96| 122| 92| 98| 141| 115| 143 Processed vegetables....................................| 86| 57| 70| 57| 104| 73| 82| 105| 91| 107 Other food at home.......................................| 934| 642| 583| 693| 835| 776| 812| 1,102| 1,108| 1,434 Sugar and other sweets..................................| 130| 84| 92| 111| 107| 123| 103| 153| 142| 196 Fats and oils...........................................| 94| 110| 73| 100| 115| 68| 82| 98| 105| 113 Miscellaneous foods.....................................| 379| 256| 229| 248| 363| 304| 303| 492| 469| 581 Nonalcoholic beverages..................................| 265| 169| 175| 204| 224| 234| 252| 292| 314| 384 Food prepared by consumer unit on out-of-town trips.....| 65| 22| 13| 31| 26| 48| 72| 66| 78| 161 Food away from home.......................................| 1,887| 1,032| 489| 826| 1,185| 1,369| 1,635| 2,188| 2,707| 3,904 Alcoholic beverages........................................| 356| 218| 131| 85| 133| 218| 254| 536| 422| 871 Housing....................................................| 10,766| 7,755| 5,111| 7,974| 7,789| 8,321| 9,960| 10,977| 12,986| 20,165 Shelter...................................................| 5,616| 3,846| 2,664| 4,152| 3,853| 4,116| 5,156| 5,842| 6,941| 10,854 Owned dwellings..........................................| 3,958| 2,327| 1,327| 2,404| 2,498| 2,542| 3,583| 4,394| 5,457| 8,366 Mortgage interest and charges...........................| 1,832| 609| 379| 759| 907| 924| 1,606| 1,887| 2,716| 4,808 Property taxes..........................................| 1,131| 848| 439| 810| 773| 787| 1,146| 1,130| 1,424| 2,214 Maintenance, repairs, insurance, other expenses.........| 994| 870| 510| 835| 818| 831| 830| 1,377| 1,317| 1,344 Rented dwellings.........................................| 1,074| 1,328| 1,236| 1,559| 1,210| 1,387| 994| 880| 637| 747 Other lodging............................................| 584| 190| 101| 189| 145| 187| 580| 567| 848| 1,742 Utilities, fuels, and public services.....................| 2,557| 2,070| 1,759| 2,046| 2,241| 2,360| 2,635| 2,673| 2,891| 3,561 Natural gas..............................................| 335| 233| 209| 253| 280| 324| 337| 348| 355| 521 Electricity..............................................| 993| 805| 708| 808| 863| 924| 1,022| 1,006| 1,146| 1,356 Fuel oil and other fuels.................................| 127| 90| 83| 98| 134| 116| 162| 152| 120| 153 Telephone services.......................................| 780| 684| 550| 654| 662| 718| 772| 822| 880| 1,073 Water and other public services..........................| 324| 258| 210| 233| 302| 278| 342| 344| 390| 458 Household operations......................................| 403| 602| 99| 162| 139| 396| 316| 354| 359| 954 Personal services........................................| 88| 438| 1| 2| 11| 244| 43| 36| 28| 66 Other household expenses.................................| 315| 163| 98| 160| 128| 152| 273| 318| 331| 888 Housekeeping supplies.....................................| 607| 556| 214| 339| 675| 489| 464| 807| 624| 1,072 Laundry and cleaning supplies............................| 136| 123| 84| 134| 103| 139| 96| 194| 131| 198 Other household products.................................| 275| 334| 86| 115| 207| 209| 236| 355| 291| 541 Postage and stationery...................................| 196| 99| 44| 90| 365| 142| 131| 258| 202| 333 Household furnishings and equipment.......................| 1,583| 682| 374| 1,274| 882| 959| 1,388| 1,301| 2,171| 3,724 Household textiles.......................................| 81| 63| 36| 60| 47| 57| 85| 76| 109| 152 Furniture................................................| 319| 73| 68| 205| 85| 250| 301| 242| 450| 814 Floor coverings..........................................| 146| 20| 10| 13| 112| 27| 116| 38| 167| 532 Major appliances.........................................| 202| 155| 112| 128| 199| 172| 193| 148| 285| 335 Small appliances, miscellaneous housewares...............| 127| 21| 26| 80| 87| 66| 146| 116| 195| 262 Miscellaneous household equipment........................| 708| 350| 122| 788| 352| 386| 547| 681| 966| 1,630 Apparel and services.......................................| 1,664| 924| 557| 1,128| 1,077| 1,070| 1,199| 1,596| 1,962| 3,903 Men and boys..............................................| 408| 237| 132| 347| 261| 171| 293| 404| 614| 896 Men, 16 and over.........................................| 352| 222| 101| 244| 225| 129| 252| 350| 558| 800 Boys, 2 to 15............................................| 56| 14| 30| 103| 36| 42| 41| 54| 56| 96 Women and girls...........................................| 800| 332| 274| 415| 488| 625| 561| 721| 913| 1,948 Women, 16 and over.......................................| 726| 308| 254| 364| 442| 570| 477| 665| 837| 1,782 Girls, 2 to 15...........................................| 75| 24| 20| 52| 46| 55| 84| 55| 76| 166 Children under 2..........................................| 52| 5| 33| 7| 33| 30| 29| 175| 46| 87 Footwear..................................................| 219| 147| 79| 256| 218| 139| 128| 135| 204| 512 Other apparel products and services.......................| 185| 203| 39| 104| 76| 105| 187| 162| 186| 460 Transportation.............................................| 6,466| 3,012| 2,251| 2,993| 5,052| 4,691| 6,784| 7,244| 7,771| 13,439 Vehicle purchases (net outlay)............................| 2,600| 1,024| 927| 474| 2,416| 1,811| 2,858| 3,068| 2,537| 5,990 Cars and trucks, new.....................................| 1,252| 222| 218| 105| 1,640| 733| 645| 2,521| 1,115| 3,042 Cars and trucks, used....................................| 1,340| 802| 709| 368| 777| 1,078| 2,213| 547| 1,422| 2,900 Other vehicles...........................................| 8| 0| 0| 0| 0| 0| 1| 0| 0| 48 Gasoline and motor oil....................................| 1,143| 747| 481| 781| 805| 973| 1,296| 1,310| 1,453| 1,830 Other vehicle expenses....................................| 2,222| 1,107| 747| 1,455| 1,630| 1,616| 2,233| 2,415| 2,974| 4,305 Vehicle finance charges..................................| 264| 209| 56| 126| 260| 191| 265| 336| 383| 441 Maintenance and repairs..................................| 708| 333| 269| 547| 446| 544| 759| 757| 930| 1,292 Vehicle insurance........................................| 801| 397| 288| 529| 681| 625| 810| 899| 1,082| 1,426 Vehicle rental, leases, licenses, other charges..........| 448| 169| 135| 254| 244| 256| 398| 424| 580| 1,146 Public transportation.....................................| 502| 135| 96| 283| 200| 290| 397| 450| 808| 1,313 Health care................................................| 2,052| 1,181| 1,204| 1,706| 1,675| 1,963| 2,033| 2,419| 2,477| 2,889 Health insurance..........................................| 929| 532| 492| 819| 820| 813| 946| 1,091| 1,187| 1,303 Medical services..........................................| 629| 426| 365| 417| 373| 597| 669| 754| 803| 925 Drugs.....................................................| 381| 193| 296| 367| 409| 452| 334| 401| 359| 467 Medical supplies..........................................| 113| 30| 51| 103| 73| 102| 84| 174| 129| 193 Entertainment..............................................| 1,890| 807| 523| 686| 1,024| 1,184| 1,920| 3,620| 2,264| 3,460 Fees and admissions.......................................| 453| 211| 81| 178| 148| 206| 543| 446| 740| 1,085 Television, radios, sound equipment.......................| 543| 260| 226| 324| 478| 440| 632| 622| 680| 877 Pets, toys, and playground equipment......................| 382| 177| 119| 141| 254| 308| 423| 363| 556| 712 Other entertainment supplies, equipment and services......| 512| 159| 98| 43| 145| 231| 323| 2,190| 288| 786 Personal care products and services........................| 543| 242| 202| 350| 457| 437| 550| 602| 640| 1,003 Reading....................................................| 200| 111| 71| 103| 126| 161| 209| 210| 282| 380 Education..................................................| 438| 70| 16| 181| 151| 106| 349| 599| 793| 1,191 Tobacco products and smoking supplies......................| 310| 344| 238| 268| 336| 356| 361| 246| 346| 289 Miscellaneous..............................................| 1,012| 399| 427| 322| 989| 1,054| 1,068| 1,080| 1,246| 1,686 Cash contributions.........................................| 1,377| 369| 116| 741| 371| 592| 1,060| 1,270| 2,391| 3,893 Personal insurance and pensions............................| 4,179| 500| 361| 886| 1,383| 2,228| 3,674| 4,513| 6,851| 11,707 Life and other personal insurance.........................| 589| 229| 160| 291| 372| 447| 494| 555| 781| 1,411 Pensions and Social Security..............................| 3,590| 271| 201| 595| 1,011| 1,781| 3,180| 3,958| 6,071| 10,296 Money income before taxes 1/...............................| 39,417| 1,472| 7,444| 12,278| 17,200| 25,064| 34,564| 44,572| 58,744| 103,475 Wages and salaries........................................| 28,706| 816| 1,592| 5,032| 8,493| 15,767| 24,667| 32,165| 44,701| 84,137 Self-employment income....................................| 2,214| -995| 63| 521| 667| 1,578| 1,496| 2,657| 3,800| 6,427 Social Security, private and government retirement........| 6,146| 987| 4,186| 5,122| 6,522| 5,881| 6,605| 7,498| 7,180| 8,036 Interest, dividends, rental income, other property income.| 1,300| 86| 220| 339| 438| 586| 757| 1,388| 2,107| 4,006 Unemployment and workers' compensation, veterans' benefits| 265| 97| 201| 263| 413| 335| 366| 283| 172| 208 Public assistance, supplemental security income, food | | | | | | | | | | stamps.................................................| 466| 317| 1,096| 877| 531| 602| 452| 350| 76| 65 Regular contributions for support.........................| 127| 72| 12| 38| 34| 110| 195| 75| 86| 361 Other income..............................................| 192| 93| 74| 87| 103| 207| 27| 157| 621| 235 Personal taxes 1/..........................................| 3,337| 553| 162| 409| 591| 1,468| 2,505| 3,768| 5,437| 10,385 Federal income taxes......................................| 2,451| 375| 22| 219| 299| 1,034| 1,790| 2,642| 4,053| 7,954 State and local income taxes..............................| 647| 100| 1| 84| 112| 229| 504| 682| 1,092| 2,082 Other taxes...............................................| 240| 78| 141| 106| 180| 205| 211| 444| 292| 349 Income after taxes 1/......................................| 36,080| 920| 7,282| 11,870| 16,609| 23,596| 32,059| 40,804| 53,307| 93,090 Net change in total assets and liabilities.................| -669| -1,655| 1,912| 848| -5,449| -3,802| -2,358| -951| 2,773| 1,567 Net change in total assets................................| 2,503| -1,186| 1,790| 1,617| -86| 61| -2,450| 1,632| 8,118| 9,095 Net change in total liabilities...........................| 3,172| 468| -122| 769| 5,362| 3,863| -92| 2,583| 5,345| 7,528 Other money receipts.......................................| 700| 61| 435| 161| 44| 231| 249| 1,568| 243| 2,341 Mortgage principal paid on owned property..................| -1,160| -840| -264| -481| -619| -661| -1,021| -1,319| -1,739| -2,640 Estimated market value of owned home.......................| 92,175| 59,407| 37,220| 51,538| 61,334| 71,588| 98,917| 95,736| 115,415| 177,707 Estimated monthly rental value of owned home...............| 633| 397| 291| 420| 465| 508| 669| 655| 832| 1,099 Gifts of goods and services................................| 1,551| 868| 404| 678| 676| 901| 1,197| 2,095| 1,994| 3,721 Food......................................................| 81| 29| 15| 32| 24| 56| 30| 163| 138| 177 Housing...................................................| 337| 242| 116| 190| 115| 216| 188| 446| 418| 834 Housekeeping supplies....................................| 54| 25| 11| 31| 21| 46| 30| 90| 48| 134 Household textiles.......................................| 12| 4| 10| 6| 6| 5| 14| 13| 15| 26 Appliances and miscellaneous housewares..................| 54| 12| 11| 46| 32| 25| 27| 34| 98| 133 Major appliances........................................| 10| 0| 7| 4| 2| 15| 2| 7| 18| 25 Small appliances and miscellaneous housewares...........| 43| 12| 4| 42| 31| 11| 26| 28| 80| 109 Miscellaneous household equipment........................| 99| 120| 23| 35| 37| 98| 50| 178| 93| 215 Other housing............................................| 118| 81| 61| 72| 19| 41| 67| 131| 164| 326 Apparel and services......................................| 431| 314| 155| 248| 246| 194| 353| 544| 522| 974 Males, 2 and over........................................| 102| 181| 36| 47| 40| 33| 76| 109| 187| 201 Females, 2 and over......................................| 213| 59| 93| 98| 120| 110| 173| 209| 223| 553 Children under 2.........................................| 47| 4| 24| 1| 29| 25| 28| 174| 34| 83 Other apparel products and services......................| 70| 72| 2| 101| 57| 26| 76| 52| 78| 137 Jewelry and watches.....................................| 33| 29| 0| 45| 23| 16| 68| 3| 41| 49 All other apparel products and services.................| 36| 43| 2| 56| 34| 10| 8| 49| 37| 88 Transportation............................................| 90| 96| 14| 9| 28| 41| 71| 48| 95| 310 Health care...............................................| 32| 11| 2| 9| 7| 24| 31| 29| 44| 90 Entertainment.............................................| 194| 109| 24| 67| 91| 131| 191| 241| 310| 393 Toys, games, hobbies, and tricycles......................| 100| 11| 11| 33| 57| 67| 96| 143| 133| 220 Other entertainment......................................| 94| 98| 13| 34| 34| 64| 96| 98| 177| 173 Education.................................................| 181| 0| 3| 45| 109| 21| 106| 484| 228| 455 All other gifts...........................................| 206| 66| 76| 77| 56| 219| 227| 141| 238| 488 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.