Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995 - 1996 ___________________________________________________________________________________________________________________________________________________________________________________________________ | | Complete reporting of income |______________________________________________________________________________________________________________________________________ Item | | | | | | | | | |Total complete| Less | \$10,000 | \$15,000 | \$20,000 | \$30,000 | \$40,000 | \$50,000 | \$70,000 | reporting | than | to | to | to | to | to | to | and | | \$10,000 | \$14,999 | \$19,999 | \$29,999 | \$39,999 | \$49,999 | \$69,999 | over ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | | Number of consumer units (in thousands).....................| 12,016| 905| 749| 641| 1,473| 1,635| 1,505| 2,531| 2,578 Income before taxes 1/......................................| \$50,186| \$5,372| \$12,559| \$17,545| \$24,653| \$34,935| \$44,539| \$58,394| \$104,464 Income after taxes 1/.......................................| 46,072| 5,433| 12,722| 17,260| 23,835| 32,543| 41,031| 53,403| 94,219 Age of reference person.....................................| 40.6| 39.9| 40.2| 39.1| 38.8| 38.8| 39.8| 40.5| 44.1 Average number in consumer unit: | | | | | | | | | Persons....................................................| 4.0| 4.0| 4.0| 4.0| 4.0| 4.0| 4.0| 4.0| 4.0 Children under 18..........................................| 1.7| 2.0| 1.9| 1.8| 1.8| 1.7| 1.7| 1.6| 1.4 Persons 65 and over........................................| 0.1| 0.1| 0.1| 0.1| 0.1| 0.0| 0.1| 0.0| 0.1 Earners....................................................| 2.0| 1.2| 1.3| 1.6| 1.7| 2.1| 2.1| 2.3| 2.5 Vehicles...................................................| 2.5| 1.4| 1.5| 1.9| 2.2| 2.7| 2.7| 2.9| 3.0 Percent distribution: | | | | | | | | | Male.......................................................| 70| 35| 38| 61| 63| 75| 82| 81| 79 Female.....................................................| 30| 65| 62| 39| 37| 25| 18| 19| 21 Percent homeowner..........................................| 72| 38| 36| 39| 53| 68| 77| 89| 94 With mortgage.............................................| 57| 23| 22| 24| 39| 52| 65| 77| 79 Without mortgage..........................................| 14| 15| 15| 14| 14| 16| 12| 12| 15 Renter.....................................................| 28| 62| 64| 61| 47| 32| 23| 11| 6 Black......................................................| 12| 32| 30| 11| 17| 9| 14| 7| 6 White and other............................................| 88| 68| 70| 89| 83| 91| 86| 93| 94 Elementary (1-8)...........................................| 6| 13| 17| 14| 9| 6| 5| 2| 1 High school (9-12).........................................| 44| 65| 58| 60| 56| 49| 46| 40| 20 College....................................................| 50| 21| 25| 26| 35| 44| 49| 58| 79 Never attended and other...................................| 0| 1| 0| 0| 0| 0| 0| 0| 0 At least one vehicle owned.................................| 93| 65| 72| 88| 94| 98| 98| 98| 98 Average annual expenditures.................................| \$45,262| \$22,718| \$21,587| \$23,512| \$29,988| \$36,961| \$43,861| \$51,684| \$73,244 Food.......................................................| 6,596| 5,149| 4,100| 4,853| 5,024| 5,550| 6,797| 7,287| 8,764 Food at home..............................................| 4,137| 4,074| 3,030| 3,626| 3,488| 3,652| 4,227| 4,481| 4,815 Cereals and bakery products..............................| 681| 592| 469| 521| 566| 588| 710| 748| 830 Cereals and cereal products.............................| 258| 273| 223| 230| 237| 235| 263| 271| 281 Bakery products.........................................| 422| 319| 246| 291| 329| 353| 446| 477| 548 Meats, poultry, fish, and eggs...........................| 1,085| 1,305| 952| 1,190| 970| 1,011| 981| 1,160| 1,136 Beef....................................................| 345| 392| 275| 393| 291| 379| 298| 386| 339 Pork....................................................| 226| 311| 227| 264| 198| 205| 221| 242| 209 Other meats.............................................| 147| 157| 152| 127| 118| 133| 145| 176| 148 Poultry.................................................| 201| 244| 165| 203| 188| 171| 180| 191| 247 Fish and seafood........................................| 124| 152| 83| 149| 124| 82| 101| 128| 158 Eggs....................................................| 41| 49| 50| 55| 49| 42| 36| 38| 35 Dairy products...........................................| 458| 396| 353| 347| 411| 408| 477| 498| 531 Fresh milk and cream....................................| 200| 185| 192| 164| 197| 189| 222| 226| 186 Other dairy products....................................| 257| 211| 161| 184| 215| 219| 255| 273| 344 Fruits and vegetables....................................| 622| 620| 507| 596| 537| 505| 634| 649| 740 Fresh fruits............................................| 187| 188| 160| 196| 145| 144| 188| 195| 232 Fresh vegetables........................................| 178| 164| 155| 177| 169| 149| 171| 186| 204 Processed fruits........................................| 149| 151| 117| 125| 126| 118| 169| 149| 179 Processed vegetables....................................| 109| 118| 75| 98| 97| 95| 106| 119| 125 Other food at home.......................................| 1,291| 1,161| 750| 972| 1,004| 1,140| 1,426| 1,425| 1,579 Sugar and other sweets..................................| 168| 145| 86| 150| 128| 170| 193| 182| 191 Fats and oils...........................................| 112| 109| 81| 124| 109| 101| 113| 115| 120 Miscellaneous foods.....................................| 592| 593| 345| 365| 456| 502| 671| 652| 732 Nonalcoholic beverages..................................| 355| 292| 224| 302| 277| 323| 371| 405| 418 Food prepared by consumer unit on out-of-town trips.....| 64| 22| 14| 30| 35| 44| 76| 71| 118 Food away from home.......................................| 2,459| 1,074| 1,070| 1,227| 1,536| 1,899| 2,570| 2,806| 3,949 Alcoholic beverages........................................| 305| 134| 88| 111| 187| 182| 300| 340| 559 Housing....................................................| 13,780| 7,162| 8,226| 8,036| 9,608| 11,192| 12,659| 15,098| 22,413 Shelter...................................................| 7,702| 3,938| 4,807| 4,689| 5,405| 6,068| 7,053| 8,247| 12,804 Owned dwellings..........................................| 5,579| 1,498| 1,905| 1,801| 2,554| 3,908| 5,090| 6,969| 10,727 Mortgage interest and charges...........................| 3,641| 871| 1,124| 1,111| 1,552| 2,521| 3,495| 4,586| 7,034 Property taxes..........................................| 1,200| 384| 565| 324| 519| 806| 940| 1,533| 2,353 Maintenance, repairs, insurance, other expenses.........| 738| 244| 216| 366| 483| 582| 655| 850| 1,340 Rented dwellings.........................................| 1,631| 2,349| 2,836| 2,825| 2,682| 1,923| 1,619| 829| 743 Other lodging............................................| 491| 91| 67| 62| 169| 237| 344| 449| 1,334 Utilities, fuels, and public services.....................| 2,842| 2,269| 2,292| 2,189| 2,381| 2,589| 2,784| 3,069| 3,602 Natural gas..............................................| 359| 349| 320| 234| 245| 335| 338| 355| 501 Electricity..............................................| 1,125| 861| 926| 882| 995| 1,050| 1,117| 1,230| 1,359 Fuel oil and other fuels.................................| 112| 65| 72| 86| 101| 102| 129| 132| 129 Telephone services.......................................| 891| 790| 713| 744| 794| 812| 838| 957| 1,084 Water and other public services..........................| 356| 204| 260| 244| 246| 290| 362| 395| 529 Household operations......................................| 1,004| 244| 207| 439| 506| 758| 855| 1,020| 2,152 Personal services........................................| 684| 114| 134| 221| 404| 580| 718| 761| 1,291 Other household expenses.................................| 319| 130| 73| 219| 102| 179| 136| 259| 861 Housekeeping supplies.....................................| 603| 211| 276| 282| 421| 485| 654| 722| 886 Laundry and cleaning supplies............................| 159| 74| 112| 131| 132| 162| 196| 166| 182 Other household products.................................| 280| 74| 107| 103| 161| 233| 278| 381| 413 Postage and stationery...................................| 165| 63| 57| 48| 129| 90| 180| 175| 291 Household furnishings and equipment.......................| 1,629| 500| 645| 437| 895| 1,292| 1,313| 2,041| 2,969 Household textiles.......................................| 103| 43| 35| 24| 42| 62| 83| 137| 204 Furniture................................................| 400| 98| 198| 155| 294| 293| 267| 412| 821 Floor coverings..........................................| 89| 10| 72| 7| 12| 48| 48| 140| 177 Major appliances.........................................| 190| 122| 46| 111| 168| 192| 162| 240| 253 Small appliances, miscellaneous housewares...............| 114| 27| 45| 36| 66| 92| 47| 129| 244 Miscellaneous household equipment........................| 733| 201| 248| 104| 314| 606| 706| 982| 1,271 Apparel and services.......................................| 2,509| 1,089| 1,646| 1,484| 1,637| 2,114| 2,651| 2,713| 3,778 Men and boys..............................................| 645| 229| 302| 291| 402| 555| 772| 675| 1,017 Men, 16 and over.........................................| 444| 92| 155| 164| 236| 391| 524| 438| 787 Boys, 2 to 15............................................| 201| 137| 147| 127| 166| 165| 248| 237| 230 Women and girls...........................................| 958| 278| 469| 480| 661| 780| 966| 1,140| 1,462 Women, 16 and over.......................................| 698| 175| 202| 365| 389| 503| 718| 845| 1,166 Girls, 2 to 15...........................................| 260| 104| 267| 115| 271| 278| 248| 295| 297 Children under 2..........................................| 151| 78| 235| 94| 142| 140| 195| 169| 130 Footwear..................................................| 429| 238| 504| 413| 299| 341| 460| 462| 529 Other apparel products and services.......................| 326| 266| 136| 206| 133| 297| 258| 266| 640 Transportation.............................................| 8,415| 4,766| 3,574| 3,867| 6,157| 7,861| 7,672| 10,092| 12,683 Vehicle purchases (net outlay)............................| 3,822| 2,532| 1,474| 1,388| 2,939| 4,211| 3,267| 4,525| 5,452 Cars and trucks, new.....................................| 1,559| 914| 528| 0| 934| 1,407| 1,003| 2,013| 2,804 Cars and trucks, used....................................| 2,219| 1,618| 946| 1,388| 1,951| 2,799| 2,264| 2,453| 2,537 Other vehicles...........................................| 43| 0| 0| 0| 54| 5| 0| 58| 111 Gasoline and motor oil....................................| 1,466| 755| 834| 1,026| 1,172| 1,343| 1,522| 1,775| 1,917 Other vehicle expenses....................................| 2,703| 1,291| 1,072| 1,229| 1,897| 2,129| 2,621| 3,356| 4,292 Vehicle finance charges..................................| 390| 148| 214| 175| 315| 384| 462| 464| 511 Maintenance and repairs..................................| 845| 549| 354| 479| 684| 677| 755| 1,052| 1,251 Vehicle insurance........................................| 916| 314| 393| 472| 644| 731| 943| 1,190| 1,380 Vehicle rental, leases, licenses, other charges..........| 551| 281| 110| 103| 255| 337| 461| 650| 1,150 Public transportation.....................................| 424| 187| 194| 224| 149| 178| 261| 436| 1,021 Health care................................................| 1,950| 931| 790| 1,043| 1,466| 1,899| 2,240| 2,318| 2,632 Health insurance..........................................| 895| 323| 388| 504| 627| 1,011| 1,113| 1,058| 1,135 Medical services..........................................| 661| 464| 173| 309| 469| 547| 722| 811| 959 Drugs.....................................................| 278| 122| 189| 156| 280| 249| 314| 304| 351 Medical supplies..........................................| 115| 21| 40| 74| 90| 92| 91| 146| 187 Entertainment..............................................| 2,556| 866| 838| 739| 1,295| 1,809| 3,266| 3,074| 4,301 Fees and admissions.......................................| 673| 163| 149| 129| 242| 394| 473| 813| 1,544 Television, radios, sound equipment.......................| 748| 387| 480| 372| 509| 620| 703| 940| 1,099 Pets, toys, and playground equipment......................| 486| 156| 123| 155| 262| 504| 466| 557| 807 Other entertainment supplies, equipment and services......| 649| 159| 85| 84| 282| 292| 1,624| 763| 852 Personal care products and services........................| 676| 373| 346| 357| 449| 527| 725| 704| 1,094 Reading....................................................| 189| 67| 51| 54| 101| 150| 160| 217| 371 Education..................................................| 764| 284| 208| 211| 297| 405| 439| 849| 1,829 Tobacco products and smoking supplies......................| 321| 280| 438| 315| 401| 352| 328| 326| 229 Miscellaneous..............................................| 868| 840| 307| 641| 758| 804| 890| 891| 1,163 Cash contributions.........................................| 1,036| 297| 209| 351| 458| 633| 977| 1,392| 1,975 Personal insurance and pensions............................| 5,296| 482| 766| 1,449| 2,151| 3,482| 4,758| 6,383| 11,453 Life and other personal insurance.........................| 553| 153| 243| 251| 289| 403| 451| 681| 1,039 Pensions and Social Security..............................| 4,743| 329| 523| 1,198| 1,861| 3,079| 4,307| 5,702| 10,413 Money income before taxes 1/...............................| 50,186| 5,372| 12,559| 17,545| 24,653| 34,935| 44,539| 58,394| 104,464 Wages and salaries........................................| 44,226| 2,711| 5,785| 13,100| 20,443| 31,654| 40,298| 54,056| 91,909 Self-employment income....................................| 2,993| -743| 365| 732| 880| 1,296| 2,283| 2,109| 9,193 Social Security, private and government retirement........| 1,193| 726| 1,979| 1,764| 1,593| 728| 982| 998| 1,370 Interest, dividends, rental income, other property income.| 436| 68| 52| 54| 79| 229| 94| 554| 1,192 Unemployment and workers' compensation, veterans' benefits| 321| 125| 249| 265| 522| 335| 351| 348| 259 Public assistance, supplemental security income, food | | | | | | | | | stamps.................................................| 574| 2,217| 3,509| 1,165| 672| 187| 91| 21| 12 Regular contributions for support.........................| 275| 156| 380| 314| 360| 357| 224| 188| 291 Other income..............................................| 168| 111| 240| 152| 104| 148| 215| 120| 239 Personal taxes 1/..........................................| 4,115| -61| -164| 285| 818| 2,392| 3,508| 4,991| 10,245 Federal income taxes......................................| 3,052| -86| -250| 149| 529| 1,694| 2,538| 3,638| 7,862 State and local income taxes..............................| 905| -8| 59| 118| 234| 565| 834| 1,147| 2,068 Other taxes...............................................| 158| 32| 27| 17| 55| 133| 136| 206| 315 Income after taxes 1/......................................| 46,072| 5,433| 12,722| 17,260| 23,835| 32,543| 41,031| 53,403| 94,219 Net change in total assets and liabilities.................| -482| 402| -4,862| -2,865| -1,952| 5,566| -4,400| -304| 191 Net change in total assets................................| 6,302| 157| 1,082| -1,013| 3,482| 12,653| 2,446| 4,427| 13,471 Net change in total liabilities...........................| 6,784| -245| 5,944| 1,852| 5,434| 7,087| 6,846| 4,732| 13,279 Other money receipts.......................................| 414| 328| 30| 57| 226| 203| 470| 499| 771 Mortgage principal paid on owned property..................| -1,615| -770| -341| -445| -809| -974| -1,481| -2,094| -3,047 Estimated market value of owned home.......................| 88,599| 30,954| 25,948| 26,265| 37,804| 66,913| 77,012| 106,008| 174,980 Estimated monthly rental value of owned home...............| 604| 253| 222| 223| 303| 462| 560| 752| 1,077 Gifts of goods and services................................| 1,122| 639| 490| 791| 456| 813| 918| 1,131| 2,174 Food......................................................| 92| 27| 20| 37| 33| 41| 70| 86| 228 Housing...................................................| 332| 128| 190| 143| 175| 283| 235| 296| 686 Housekeeping supplies....................................| 55| 9| 8| 7| 38| 32| 49| 43| 130 Household textiles.......................................| 7| 5| 1| 1| 2| 6| 4| 12| 10 Appliances and miscellaneous housewares..................| 31| 9| 2| 3| 6| 45| 10| 38| 63 Major appliances........................................| 6| 8| 0| 0| 4| 9| 5| 13| 3 Small appliances and miscellaneous housewares...........| 25| 1| 2| 3| 2| 36| 5| 25| 60 Miscellaneous household equipment........................| 75| 21| 41| 9| 16| 72| 71| 93| 136 Other housing............................................| 163| 85| 138| 123| 113| 128| 101| 111| 346 Apparel and services......................................| 317| 69| 156| 334| 123| 282| 302| 275| 585 Males, 2 and over........................................| 62| 2| 24| 22| 15| 87| 59| 37| 136 Females, 2 and over......................................| 78| 14| 31| 111| 23| 76| 62| 97| 120 Children under 2.........................................| 64| 30| 73| 31| 43| 51| 86| 69| 80 Other apparel products and services......................| 112| 23| 29| 171| 42| 68| 96| 71| 248 Jewelry and watches.....................................| 75| 0| 17| 76| 24| 22| 56| 51| 200 All other apparel products and services.................| 37| 23| 12| 94| 18| 46| 40| 20| 48 Transportation............................................| 36| 9| 12| 6| 11| 22| 42| 44| 73 Health care...............................................| 28| 175| 0| 0| 9| 10| 14| 21| 27 Entertainment.............................................| 112| 60| 37| 18| 46| 88| 120| 157| 178 Toys, games, hobbies, and tricycles......................| 52| 25| 13| 0| 24| 49| 35| 69| 94 Other entertainment......................................| 60| 35| 24| 18| 22| 39| 85| 87| 84 Education.................................................| 104| 28| 41| 137| 21| 10| 55| 134| 247 All other gifts...........................................| 102| 143| 34| 116| 38| 77| 81| 118| 150 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.