Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ________________________________________________________________________________________ Number of consumer units (in thousands)...... 8,385 521 586 607 1,167 1,201 985 1,595 1,723 Income before taxes a/ ...................... $49,893 $5,762 $12,631 $17,643 $24,942 $34,703 $44,726 $58,093 $110,127 Income after taxes a/ ....................... 46,866 5,942 12,629 17,825 24,296 33,123 42,567 54,569 101,315 Age of the reference person.................. 40.6 39.9 39.7 39.3 39.1 39.3 39.9 41.3 43.2 Average number in consumer unit: Persons..................................... 5.6 5.6 5.7 5.5 5.6 5.6 5.5 5.5 5.5 Children under 18........................... 2.9 3.3 3.2 3.1 3.0 3.0 3.0 2.8 2.6 Persons 65 and over......................... .1 b/ .1 .1 .1 .1 .1 .1 .1 .1 Earners..................................... 2.2 1.4 1.5 1.6 1.9 2.2 2.3 2.5 2.7 Vehicles.................................... 2.6 1.5 1.4 1.7 2.1 2.4 2.9 2.9 3.4 Percent distribution: Male........................................ 66 40 42 53 64 72 70 74 74 Female...................................... 34 60 58 47 36 28 30 26 26 Homeowner................................... 68 38 40 40 52 68 76 81 92 With mortgage.............................. 54 23 20 25 38 52 62 66 81 Without mortgage........................... 14 15 19 16 14 15 14 15 12 Renter...................................... 32 62 60 60 48 32 24 19 8 Black....................................... 16 26 32 20 21 14 16 12 7 White and other............................. 84 74 68 80 79 86 84 88 93 Elementary (1-8)............................ 9 16 20 20 16 9 5 2 3 High school (9-12).......................... 46 61 67 53 58 54 46 41 26 College..................................... 44 22 13 25 26 38 48 57 71 Never attended and other.................... 1 1 c/ 2 1 c/ c/ 1 d/ At least one vehicle owned or leased........ 93 72 78 85 90 95 98 98 99 Average annual expenditures.................. $45,879 $24,962 $21,737 $26,930 $31,356 $37,502 $42,727 $52,669 $77,507 Food........................................ 7,491 5,315 4,793 5,412 5,534 6,611 7,147 8,280 10,878 Food at home............................. 4,907 3,863 3,973 4,155 4,063 4,534 4,538 5,524 6,171 Cereals and bakery products............ 763 620 536 589 583 663 752 843 1,032 Cereals and cereal products.......... 308 290 253 266 236 258 300 357 380 Bakery products...................... 454 330 284 323 346 404 453 485 651 Meats, poultry, fish, and eggs......... 1,425 1,148 1,319 1,398 1,203 1,280 1,196 1,719 1,664 Beef................................. 455 331 336 369 344 432 346 708 494 Pork................................. 278 242 299 361 259 259 248 262 311 Other meats.......................... 185 152 126 134 130 206 175 200 240 Poultry.............................. 273 188 365 233 238 232 244 300 329 Fish and seafood..................... 171 180 134 232 161 84 126 183 233 Eggs................................. 63 54 59 69 71 68 57 65 57 Dairy products......................... 542 415 471 387 446 520 524 594 690 Fresh milk and cream................. 239 187 189 215 217 240 244 257 270 Other dairy products................. 304 228 282 172 229 280 280 336 420 Fruits and vegetables.................. 753 547 534 738 630 754 658 844 936 Fresh fruits......................... 242 174 123 209 194 246 201 321 293 Fresh vegetables..................... 229 171 179 228 239 248 185 238 261 Processed fruits..................... 158 103 98 172 102 136 161 160 231 Processed vegetables................. 124 99 134 129 95 124 112 125 151 Other food at home..................... 1,425 1,134 1,112 1,043 1,201 1,317 1,408 1,525 1,850 Sugar and other sweets............... 184 148 136 153 149 153 167 222 238 Fats and oils........................ 134 119 146 143 108 113 143 145 148 Miscellaneous foods.................. 653 491 503 427 574 612 649 705 849 Nonalcoholic beverages............... 393 358 311 285 330 386 413 368 510 Food prepared by consumer unit on out-of-town trips................... 60 b/ 19 b/ 16 b/ 36 40 53 37 86 105 Food away from home...................... 2,584 1,452 820 1,257 1,471 2,077 2,609 2,755 4,706 Alcoholic beverages......................... 262 135 106 48 163 164 239 261 543 Housing..................................... 14,082 8,973 7,785 8,801 10,389 11,815 13,145 15,236 23,052 Shelter.................................. 7,734 4,747 3,971 4,706 5,516 6,534 7,208 8,466 12,946 Owned dwellings........................ 5,382 1,779 1,081 1,418 2,767 4,161 5,087 6,418 11,161 Mortgage interest and charges........ 3,595 1,076 538 869 1,839 2,737 3,387 4,479 7,443 Property taxes....................... 1,080 399 265 315 533 827 861 1,202 2,389 Maintenance, repairs, insurance,other expenses............................ 707 304 278 234 394 596 840 737 1,329 Rented dwellings....................... 1,996 2,876 2,860 3,214 2,666 2,205 1,865 1,556 888 Other lodging.......................... 357 b/ 92 b/ 29 b/ 74 83 168 256 492 897 Utilities, fuels, and public services.... 3,139 2,666 2,341 2,473 2,826 2,961 3,058 3,402 3,927 Natural gas............................ 378 369 262 301 339 372 365 360 500 Electricity............................ 1,228 1,078 984 981 1,153 1,152 1,203 1,310 1,485 Fuel oil and other fuels............... 108 b/ 94 68 57 75 89 81 177 132 Telephone services..................... 1,003 770 745 862 904 947 977 1,080 1,262 Water and other public services........ 422 354 283 271 355 401 431 475 549 Household operations..................... 736 251 164 332 375 434 598 787 1,708 Personal services...................... 514 b/ 153 b/ 95 273 260 325 463 598 1,103 Other household expenses............... 223 98 69 59 114 108 135 189 605 Housekeeping supplies.................... 619 404 330 295 418 541 636 646 1,002 Laundry and cleaning supplies.......... 207 147 132 173 187 190 179 231 277 Other household products............... 267 183 130 91 160 231 289 279 450 Postage and stationery................. 145 73 b/ 68 32 72 120 168 135 275 Household furnishings and equipment...... 1,853 905 980 995 1,255 1,346 1,646 1,935 3,468 Household textiles..................... 124 55 23 43 90 50 85 192 235 Furniture.............................. 394 156 193 176 343 290 335 368 773 Floor coverings........................ 79 b/ 34 b/ 9 b/ 10 b/ 19 b/ 65 b/ 43 102 185 Major appliances....................... 228 235 342 193 148 160 328 185 279 Small appliances, miscellaneous housewares............................ 95 56 25 44 38 80 124 76 185 Miscellaneous household equipment...... 935 369 388 529 617 701 731 1,013 1,811 Apparel and services....................... 2,643 1,672 1,419 1,762 1,936 2,302 2,476 2,750 4,222 Men and boys............................. 706 262 376 403 439 527 671 678 1,349 Men, 16 and over....................... 429 b/ 98 b/ 159 b/ 146 227 265 401 447 914 Boys, 2 to 15.......................... 278 164 217 256 212 262 270 231 435 Women and girls.......................... 910 605 432 356 648 781 882 1,004 1,492 Women, 16 and over..................... 609 410 301 172 426 422 532 751 1,043 Girls, 2 to 15......................... 301 195 131 184 222 359 350 253 449 Children under 2......................... 173 b/ 204 b/ 129 206 151 213 164 167 165 Footwear................................. 537 390 300 606 505 561 570 459 672 Other apparel products and services...... 316 210 182 191 194 219 189 442 543 Transportation............................. 8,619 4,323 3,817 5,750 6,106 7,163 7,667 10,149 14,402 Vehicle purchases (net outlay)........... 3,828 1,908 1,689 3,097 2,999 2,923 2,777 4,541 6,525 Cars and trucks, new................... 1,376 b/ 320 b/ 159 d/ b/ 634 b/ 703 b/ 850 842 4,358 Cars and trucks, used.................. 2,402 1,589 1,529 3,031 2,336 2,219 1,928 3,518 2,131 Other vehicles......................... 50 d/ d/ b/ 66 b/ 29 d/ d/ b/ 180 b/ 36 Gasoline and motor oil................... 1,521 888 790 1,065 1,173 1,432 1,619 1,774 2,129 Other vehicle expenses................... 2,880 1,320 1,037 1,395 1,793 2,523 2,970 3,482 4,872 Vehicle finance charges................ 479 202 139 169 313 468 524 677 701 Maintenance and repairs................ 853 411 404 528 511 767 838 1,040 1,376 Vehicle insurance...................... 969 408 374 456 666 907 995 1,157 1,583 Vehicle rental, leases, licenses, other charges......................... 578 299 120 242 302 381 613 608 1,212 Public transportation.................... 390 206 301 193 141 285 301 353 877 Health care................................ 1,914 975 769 1,066 1,382 1,674 2,179 2,296 2,895 Health insurance......................... 873 410 292 324 636 823 1,091 1,039 1,321 Medical services......................... 627 366 213 450 376 518 650 829 957 Drugs.................................... 292 142 181 249 294 225 305 312 398 Medical supplies......................... 122 b/ 57 b/ 82 42 76 107 132 117 219 Entertainment.............................. 2,278 1,188 1,122 968 1,179 1,516 2,075 3,025 4,090 Fees and admissions...................... 523 217 81 104 222 249 454 638 1,222 Television, radios, sound equipment...... 750 301 785 498 497 651 683 890 1,117 Pets, toys, and playground equipment..... 427 231 176 270 301 358 423 526 659 Other entertainment supplies, equipment,and services.................. 578 439 80 95 159 258 513 970 1,092 Personal care products and services........ 516 368 245 244 347 367 518 566 866 Reading.................................... 147 72 53 77 70 100 121 183 295 Education.................................. 757 276 158 419 431 561 623 931 1,490 Tobacco products and smoking supplies...... 364 321 333 341 340 434 364 372 354 Miscellaneous.............................. 942 368 188 502 739 863 906 1,374 1,346 Cash contributions......................... 985 b/ 394 154 321 592 786 708 1,370 1,886 Personal insurance and pensions............ 4,881 583 795 1,219 2,148 3,145 4,560 5,875 11,188 Life and other personal insurance........ 466 236 138 153 236 338 356 563 973 Pensions and Social Security............. 4,416 347 657 1,066 1,912 2,807 4,203 5,312 10,215 Sources of income and personal taxes: a/ Money income before taxes................. 49,893 5,762 12,631 17,643 24,942 34,703 44,726 58,093 110,127 Wages and salaries....................... 43,161 2,542 6,698 12,480 20,076 30,235 38,380 51,293 98,508 Self-employment income................... 3,029 b/ -120 705 478 1,242 1,509 3,639 3,935 6,753 Social Security, private and government retirement................... 1,422 b/ 756 1,342 1,425 1,494 1,224 1,010 1,326 2,063 Interest, dividends, rental income, other property income................... 305 b/ 12 c/ b/ 12 97 107 139 265 1,011 Unemployment and workers'' compensation, veterans'' benefits..................... 297 b/ 117 b/ 80 369 217 401 403 341 282 Public assistance, supplemental security, income, food stamps..................... 962 2,076 3,397 2,328 1,349 629 601 332 b/ 73 Regular contributions for support........ 474 b/ 114 b/ 263 b/ 340 323 242 383 457 1,032 Other income............................. 243 b/ 265 b/ 147 b/ 210 145 356 170 143 405 Personal taxes............................. 3,027 -179 2 -182 646 1,581 2,159 3,524 8,812 Federal income taxes..................... 2,214 -232 -163 -290 387 1,040 1,546 2,563 6,760 State and local income taxes............. 654 -6 42 73 216 434 523 771 1,684 Other taxes.............................. 158 b/ 59 b/ 123 b/ 35 43 107 89 189 368 Income after taxes.......................... 46,866 5,942 12,629 17,825 24,296 33,123 42,567 54,569 101,315 Net change in total assets and liabilities.. -578 -4,324 726 -977 482 1,418 437 -1,833 -1,278 Net change in total assets............... 5,720 -3,726 3,600 216 2,968 7,624 7,272 4,667 11,859 Net change in total liabilities.......... 6,298 598 2,875 1,193 2,486 6,207 6,834 6,500 13,137 Other financial information: Other money receipts..................... 280 b/ 115 b/ 38 b/ 34 79 115 637 182 637 Mortgage principal paid on owned property................................ -1,627 -639 -226 -358 -647 -1,030 -1,144 -2,276 -3,606 Estimated market value of owned home..... 88,653 48,500 23,031 29,196 46,423 66,798 73,163 101,981 184,424 Estimated monthly rental value of owned home.............................. 628 245 199 223 338 495 585 734 1,248 Gifts of goods and services................. 777 548 317 279 445 417 658 847 1,598 Food..................................... 53 b/ 28 b/ 34 b/ 17 27 17 31 87 101 Housing.................................. 227 168 161 98 198 148 188 194 428 Housekeeping supplies.................. 39 b/ 9 c/ b/ 7 b/ 18 20 60 30 89 Household textiles..................... 7 c/ b/ 1 b/ 7 b/ 6 b/ 3 b/ 8 b/ 19 b/ 6 Appliances and miscellaneous housewares............................ 23 b/ 10 b/ 4 b/ 2 b/ 11 b/ 19 b/ 30 b/ 10 56 Major appliances..................... 5 d/ b/ 4 b/ 1 b/ 6 b/ 8 b/ 3 b/ 2 b/ 12 Small appliances and miscellaneous housewares.......................... 18 b/ 10 d/ b/ 1 b/ 5 b/ 11 b/ 28 b/ 8 44 Miscellaneous household equipment...... 35 b/ 14 b/ 1 b/ 11 20 13 19 66 65 Other housing.......................... 123 134 154 72 144 92 71 69 213 Apparel and services..................... 228 210 b/ 30 75 108 125 211 253 461 Males, 2 and over...................... 71 b/ 10 b/ 1 b/ 13 41 32 45 51 197 Females, 2 and over.................... 75 b/ 178 b/ 5 b/ 16 22 26 90 86 125 Children under 2....................... 45 b/ 19 b/ 6 b/ 35 b/ 21 55 b/ 39 65 62 Other apparel products and services.... 37 b/ 3 b/ 18 b/ 11 b/ 23 b/ 11 b/ 38 b/ 50 78 Jewelry and watches.................. 10 c/ b/ 1 b/ 0 b/ 1 b/ 7 b/ 6 b/ 5 32 All other apparel products and services............................ 28 b/ 3 b/ 17 b/ 10 b/ 22 b/ 4 b/ 32 b/ 46 b/ 45 Transportation........................... 34 23 b/ 13 b/ 1 31 9 14 76 46 Health care.............................. 18 b/ 2 b/ 10 d/ b/ 2 b/ 9 b/ 3 b/ 38 b/ 37 Entertainment............................ 66 b/ 23 b/ 12 b/ 30 26 42 47 63 160 Toys, games, hobbies, and tricycles.... 18 b/ 7 b/ 2 b/ 2 b/ 10 b/ 11 b/ 12 30 37 Other entertainment.................... 47 b/ 16 b/ 10 b/ 27 b/ 16 31 34 33 122 Education................................ 72 b/ 51 b/ 14 b/ 25 b/ 4 b/ 11 b/ 101 b/ 41 210 All other gifts.......................... 80 43 43 32 49 55 63 95 154 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Data are likely to have large sampling errors. c/ Value less than 0.5. d/ No data reported.