Table 31. Northeastern region by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to 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)...... 15,880 1,011 1,595 1,464 1,290 1,952 1,863 1,458 2,229 3,018 Income before taxes a/ ...................... $44,324 $2,478 $7,667 $12,258 $17,360 $24,649 $34,421 $44,123 $58,350 $113,361 Income after taxes a/ ....................... 41,080 2,395 7,670 12,052 16,739 23,433 32,115 40,870 54,319 103,444 Age of the reference person.................. 48.4 37.6 55.5 57.5 55.3 51.9 45.8 44.9 43.8 45.7 Average number in consumer unit: Persons..................................... 2.4 1.8 1.6 1.8 2.0 2.2 2.5 2.5 3.0 3.2 Children under 18........................... .6 .5 .3 .4 .4 .5 .6 .6 .9 .9 Persons 65 and over......................... .3 .2 .5 .6 .7 .6 .3 .2 .1 .1 Earners..................................... 1.3 .8 .5 .6 .7 1.0 1.4 1.5 1.9 2.2 Vehicles.................................... 1.7 .7 .7 1.0 1.3 1.4 1.9 2.0 2.4 2.5 Percent distribution: Male........................................ 58 45 34 34 53 55 65 67 71 74 Female...................................... 42 55 66 66 47 45 35 33 29 26 Homeowner................................... 60 19 29 45 50 61 55 70 79 86 With mortgage.............................. 35 9 7 11 9 22 32 47 62 68 Without mortgage........................... 25 10 22 34 41 39 24 23 17 18 Renter...................................... 40 81 71 55 50 39 45 30 21 14 Black....................................... 10 18 15 13 9 12 12 7 8 6 White and other............................. 90 82 85 87 91 88 88 93 92 94 Elementary (1-8)............................ 7 8 20 14 11 8 4 2 1 b/ High school (9-12).......................... 40 49 49 52 51 46 39 36 37 23 College..................................... 53 43 31 34 38 46 56 62 61 77 Never attended and other.................... b/ c/ c/ c/ c/ b/ c/ c/ b/ c/ At least one vehicle owned or leased........ 80 41 47 65 76 83 88 95 96 96 Average annual expenditures.................. $38,488 $15,526 $15,750 $21,169 $22,159 $27,773 $35,778 $41,069 $47,633 $73,971 Food........................................ 5,452 2,597 2,928 3,149 3,618 4,368 5,082 6,098 6,690 9,185 Food at home............................. 3,091 1,671 1,971 2,030 2,534 2,653 3,089 3,463 4,043 4,164 Cereals and bakery products............ 509 280 318 314 430 450 530 600 642 668 Cereals and cereal products.......... 177 103 117 121 144 152 183 214 228 222 Bakery products...................... 332 177 201 193 286 298 348 387 414 446 Meats, poultry, fish, and eggs......... 815 534 494 533 702 699 782 879 1,133 1,054 Beef................................. 235 129 128 159 198 201 214 235 375 298 Pork................................. 148 88 110 104 142 131 162 163 187 171 Other meats.......................... 113 62 65 64 97 94 116 133 177 132 Poultry.............................. 169 131 97 111 142 150 163 194 204 231 Fish and seafood..................... 114 97 68 67 85 87 87 116 150 185 Eggs................................. 35 28 27 28 38 35 40 38 39 38 Dairy products......................... 344 176 227 243 280 294 362 395 454 437 Fresh milk and cream................. 132 80 88 100 118 123 136 153 165 155 Other dairy products................. 213 96 139 143 162 172 226 242 289 283 Fruits and vegetables.................. 540 277 362 388 429 459 536 577 642 792 Fresh fruits......................... 171 80 113 140 124 150 167 194 209 239 Fresh vegetables..................... 167 88 121 114 133 138 162 163 199 255 Processed fruits..................... 120 63 82 72 104 93 128 121 131 192 Processed vegetables................. 82 46 46 62 67 77 79 100 103 105 Other food at home..................... 883 404 571 551 692 751 879 1,012 1,173 1,212 Sugar and other sweets............... 118 50 85 79 82 93 117 165 169 141 Fats and oils........................ 84 39 60 62 77 71 91 102 107 98 Miscellaneous foods.................. 380 147 247 224 309 343 380 430 508 516 Nonalcoholic beverages............... 239 139 166 168 187 212 244 257 313 311 Food prepared by consumer unit on out-of-town trips................... 61 29 14 18 37 33 47 59 77 145 Food away from home...................... 2,361 926 956 1,119 1,083 1,715 1,993 2,635 2,646 5,021 Alcoholic beverages......................... 412 194 185 192 198 273 458 354 401 908 Housing..................................... 12,996 6,159 6,420 8,605 8,800 9,850 11,731 13,095 15,451 23,622 Shelter.................................. 7,809 4,011 3,599 5,137 5,410 5,937 6,960 7,580 9,172 14,464 Owned dwellings........................ 4,927 1,341 1,037 2,214 2,205 3,177 3,397 5,073 6,719 11,348 Mortgage interest and charges........ 2,516 677 289 516 439 1,132 1,661 2,700 3,896 6,479 Property taxes....................... 1,593 449 508 997 1,239 1,267 1,222 1,627 1,896 3,188 Maintenance, repairs, insurance,other expenses............................ 819 215 240 701 527 778 513 746 926 1,680 Rented dwellings....................... 2,302 2,518 2,423 2,648 2,899 2,549 3,231 2,129 1,832 1,442 Other lodging.......................... 579 152 138 275 306 211 333 378 621 1,674 Utilities, fuels, and public services.... 2,473 1,166 1,333 1,770 2,046 2,340 2,439 2,676 2,963 3,685 Natural gas............................ 386 145 211 321 399 404 397 445 411 519 Electricity............................ 814 374 408 617 669 771 749 869 991 1,247 Fuel oil and other fuels............... 253 92 131 179 225 261 233 252 330 369 Telephone services..................... 800 481 491 535 601 692 843 878 940 1,185 Water and other public services........ 221 74 93 119 152 211 217 232 292 366 Household operations..................... 492 145 103 395 235 313 315 387 624 1,149 Personal services...................... 241 d/ 79 d/ 32 d/ 244 d/ 94 148 124 195 386 515 Other household expenses............... 251 66 72 151 141 165 191 191 238 635 Housekeeping supplies.................... 469 165 260 366 266 351 449 530 633 739 Laundry and cleaning supplies.......... 114 41 67 93 81 83 121 122 172 148 Other household products............... 211 78 113 182 109 137 177 246 267 373 Postage and stationery................. 144 46 80 92 76 130 151 161 194 217 Household furnishings and equipment...... 1,753 672 1,125 937 843 909 1,567 1,922 2,059 3,585 Household textiles..................... 115 64 77 95 139 61 79 86 119 231 Furniture.............................. 421 138 158 158 127 194 367 251 615 1,026 Floor coverings........................ 139 d/ 40 d/ 337 d/ 148 d/ 2 58 d/ 279 d/ 144 d/ 20 189 Major appliances....................... 209 d/ 77 90 218 129 155 165 377 165 342 Small appliances, miscellaneous housewares............................ 95 40 22 34 61 61 86 80 162 181 Miscellaneous household equipment...... 774 313 439 284 385 380 591 985 978 1,614 Apparel and services....................... 1,946 784 853 876 958 1,290 1,950 1,906 2,463 3,891 Men and boys............................. 465 140 168 155 221 285 432 492 555 1,037 Men, 16 and over....................... 368 d/ 106 129 105 156 221 350 368 454 838 Boys, 2 to 15.......................... 96 34 39 49 66 63 82 123 101 199 Women and girls.......................... 755 332 341 412 372 544 717 643 1,030 1,460 Women, 16 and over..................... 648 269 321 379 273 481 590 549 880 1,265 Girls, 2 to 15......................... 107 63 20 33 99 63 127 93 150 194 Children under 2......................... 73 d/ 19 d/ 36 d/ 39 d/ 62 d/ 44 57 120 111 103 Footwear................................. 337 d/ 114 196 143 158 212 434 357 438 581 Other apparel products and services...... 316 179 111 128 144 204 310 295 330 710 Transportation............................. 6,326 2,176 1,867 2,751 3,089 4,309 6,867 7,615 8,224 12,146 Vehicle purchases (net outlay)........... 2,494 d/ 803 719 978 849 1,537 3,066 3,559 3,336 4,564 Cars and trucks, new................... 1,222 d/ 388 d/ 361 d/ 248 d/ 418 d/ 524 1,334 d/ 1,105 1,427 3,060 Cars and trucks, used.................. 1,271 416 358 723 431 1,012 1,732 2,452 1,908 1,504 Other vehicles......................... d/ 1 c/ c/ d/ 7 c/ c/ c/ d/ 1 d/ 1 b/ Gasoline and motor oil................... 950 406 336 478 581 712 973 1,115 1,348 1,607 Other vehicle expenses................... 2,277 656 587 990 1,319 1,641 2,247 2,353 2,997 4,615 Vehicle finance charges................ 239 65 41 78 69 139 284 342 412 413 Maintenance and repairs................ 610 168 182 289 475 586 607 571 804 1,089 Vehicle insurance...................... 835 239 221 403 506 610 887 916 1,130 1,564 Vehicle rental, leases, licenses, other charges......................... 593 183 144 221 268 306 469 524 651 1,549 Public transportation.................... 605 310 224 305 339 419 580 588 543 1,359 Health care................................ 1,790 761 1,020 1,413 1,831 2,063 1,738 1,694 2,015 2,425 Health insurance......................... 896 375 583 786 974 1,054 832 784 1,053 1,133 Medical services......................... 479 207 208 207 372 499 450 490 571 820 Drugs.................................... 299 135 157 306 383 394 337 285 289 299 Medical supplies......................... 117 43 72 114 102 116 119 134 103 172 Entertainment.............................. 1,810 858 729 978 887 1,356 1,617 1,687 2,214 3,676 Fees and admissions...................... 538 207 179 169 211 327 459 483 668 1,274 Television, radios, sound equipment...... 636 372 350 398 387 583 592 620 770 1,050 Pets, toys, and playground equipment..... 340 135 114 138 235 293 281 358 477 624 Other entertainment supplies, equipment,and services.................. 296 144 87 273 54 153 286 226 299 729 Personal care products and services........ 433 171 270 381 223 336 423 420 504 743 Reading.................................... 211 89 71 114 138 164 179 221 239 428 Education.................................. 810 808 465 654 266 682 730 492 711 1,655 Tobacco products and smoking supplies...... 293 239 171 292 289 228 304 357 390 309 Miscellaneous.............................. 869 257 341 454 657 620 1,000 964 990 1,583 Cash contributions......................... 931 173 127 658 349 621 626 1,093 1,121 2,159 Personal insurance and pensions............ 4,211 260 303 651 857 1,613 3,073 5,073 6,219 11,240 Life and other personal insurance........ 442 91 79 190 226 213 299 791 595 923 Pensions and Social Security............. 3,768 169 225 461 631 1,399 2,774 4,282 5,624 10,317 Sources of income and personal taxes: a/ Money income before taxes................. 44,324 2,478 7,667 12,258 17,360 24,649 34,421 44,123 58,350 113,361 Wages and salaries....................... 35,704 1,337 1,640 3,612 7,146 14,324 26,934 36,346 52,340 99,628 Self-employment income................... 2,178 d/ -323 228 d/ 325 d/ 436 437 976 1,703 1,610 8,204 Social Security, private and government retirement................... 4,574 529 3,893 6,108 8,193 7,991 5,077 4,705 2,678 2,812 Interest, dividends, rental income, other property income................... 746 45 60 270 365 559 508 799 1,006 1,786 Unemployment and workers'' compensation, veterans'' benefits..................... 253 d/ 26 162 d/ 159 d/ 211 435 356 322 274 209 Public assistance, supplemental security, income, food stamps..................... 389 556 1,348 1,280 377 188 d/ 145 d/ 3 d/ 157 d/ 37 Regular contributions for support........ 264 63 138 257 280 545 142 d/ 127 175 418 Other income............................. 218 244 198 247 353 170 283 120 110 268 Personal taxes............................. 3,244 82 -4 206 621 1,216 2,306 3,252 4,030 9,918 Federal income taxes..................... 2,315 -8 -80 82 335 742 1,542 2,203 2,859 7,437 State and local income taxes............. 704 9 22 38 142 253 531 778 989 2,012 Other taxes.............................. 224 d/ 81 54 86 144 222 233 272 182 469 Income after taxes.......................... 41,080 2,395 7,670 12,052 16,739 23,433 32,115 40,870 54,319 103,444 Net change in total assets and liabilities.. -740 622 -698 2,988 568 158 -3,505 -2,501 -1,532 -1,027 Net change in total assets............... 6,101 779 556 3,884 954 3,187 362 3,966 7,383 19,599 Net change in total liabilities.......... 6,841 157 1,254 896 386 3,029 3,867 6,467 8,915 20,625 Other financial information: Other money receipts..................... 449 d/ 163 105 174 407 62 993 590 202 905 Mortgage principal paid on owned property................................ -1,152 -248 -144 -230 -249 -497 -723 -1,169 -1,579 -3,185 Estimated market value of owned home..... 86,812 23,884 32,588 50,635 51,772 67,078 62,289 83,318 103,866 186,052 Estimated monthly rental value of owned home.............................. 602 185 210 357 413 494 448 638 744 1,191 Gifts of goods and services................. 1,295 566 480 752 491 762 999 1,278 1,560 2,894 Food..................................... 123 d/ 21 32 41 28 48 73 172 121 334 Housing.................................. 355 238 155 195 163 195 265 323 441 765 Housekeeping supplies.................. 48 d/ 9 23 23 25 33 58 47 74 77 Household textiles..................... 15 d/ 1 d/ 1 d/ 5 d/ 7 d/ 9 d/ 10 d/ 15 d/ 7 51 Appliances and miscellaneous housewares............................ 39 d/ 27 d/ 5 d/ 11 d/ 10 22 31 d/ 41 82 71 Major appliances..................... 11 d/ 5 c/ d/ 9 d/ 7 d/ 11 d/ 18 d/ 31 d/ 12 5 Small appliances and miscellaneous housewares.......................... 28 d/ 22 d/ 5 d/ 2 d/ 4 11 d/ 13 d/ 10 70 66 Miscellaneous household equipment...... 83 48 25 29 19 38 56 112 114 182 Other housing.......................... 170 152 102 128 102 91 110 109 164 383 Apparel and services..................... 273 149 127 139 115 194 209 310 383 511 Males, 2 and over...................... 65 d/ 11 42 18 28 42 29 104 99 125 Females, 2 and over.................... 108 113 d/ 41 61 48 94 85 99 111 217 Children under 2....................... 32 c/ d/ 8 d/ 36 d/ 21 d/ 15 d/ 22 56 33 60 Other apparel products and services.... 68 d/ 25 d/ 36 d/ 23 d/ 18 43 73 d/ 50 140 110 Jewelry and watches.................. 30 d/ 21 d/ 11 d/ 12 d/ 7 34 17 d/ 34 32 63 All other apparel products and services............................ 39 d/ 4 d/ 26 d/ 11 d/ 11 d/ 10 d/ 56 d/ 16 109 d/ 47 Transportation........................... 51 8 5 17 14 43 33 49 90 110 Health care.............................. 21 d/ 14 d/ 4 d/ 8 d/ 11 d/ 8 d/ 49 d/ 23 d/ 25 28 Entertainment............................ 112 46 35 32 67 145 93 103 117 222 Toys, games, hobbies, and tricycles.... 39 d/ 15 13 23 26 32 40 52 57 61 Other entertainment.................... 73 d/ 31 22 9 41 113 53 51 60 161 Education................................ 218 d/ 70 d/ 77 d/ 262 d/ 16 d/ 71 d/ 97 d/ 119 257 591 All other gifts.......................... 143 20 44 58 76 58 180 180 125 332 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.5. c/ No data reported. d/ Data are likely to have large sampling errors.