Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 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)...... 15,468 455 739 779 783 1,540 1,849 1,594 2,794 4,934 Income before taxes a/ ...................... $59,263 - $1,529 $7,644 $12,328 $17,433 $24,702 $34,355 $44,360 $58,925 $111,780 Income after taxes a/ ....................... 53,858 -2,007 7,629 12,086 16,837 23,671 32,030 40,419 53,911 100,320 Age of the reference person.................. 49.1 49.5 49.7 49.2 49.0 48.9 49.3 49.1 49.1 49.1 Average number in consumer unit: Persons..................................... 2.7 2.0 2.0 2.1 2.4 2.6 2.3 2.6 2.9 3.1 Children under 18........................... .6 .5 .5 .4 .5 .7 .4 .5 .7 .7 Persons 65 and over......................... b/ b/ b/ b/ .1 b/ b/ b/ b/ b/ Earners..................................... 1.8 .9 .7 1.1 1.2 1.5 1.6 1.8 2.1 2.3 Vehicles.................................... 2.5 1.3 1.1 1.6 1.6 2.0 2.3 2.4 2.8 3.2 Percent distribution: Male........................................ 60 50 36 45 41 53 55 62 64 72 Female...................................... 40 50 64 55 59 47 45 38 36 28 Homeowner................................... 76 41 34 52 51 60 70 79 86 93 With mortgage.............................. 56 22 12 30 24 39 47 61 65 77 Without mortgage........................... 20 19 22 22 28 20 23 18 20 16 Renter...................................... 24 59 66 48 49 40 30 21 14 7 Black....................................... 11 26 29 18 20 14 12 10 6 7 White and other............................. 89 74 71 82 80 86 88 90 94 93 Elementary (1-8)............................ 4 12 18 8 9 7 4 3 2 c/ High school (9-12).......................... 33 51 46 52 44 45 42 29 31 19 College..................................... 63 37 36 40 44 48 54 68 67 81 Never attended and other.................... c/ d/ 1 d/ 3 c/ c/ d/ d/ d/ At least one vehicle owned or leased........ 93 66 65 79 89 93 95 96 98 98 Average annual expenditures.................. $48,912 $21,936 $18,035 $22,126 $23,722 $30,140 $36,269 $40,659 $50,582 $77,186 Food........................................ 6,347 3,316 3,431 3,341 3,553 4,778 5,234 5,859 6,982 8,934 Food at home............................. 3,593 2,264 2,457 2,181 2,528 3,302 3,182 3,502 4,095 4,370 Cereals and bakery products............ 534 339 346 321 368 489 464 529 576 676 Cereals and cereal products.......... 182 130 150 125 127 160 156 197 186 222 Bakery products...................... 352 209 196 196 242 329 308 331 390 453 Meats, poultry, fish, and eggs......... 926 622 759 601 771 841 857 897 1,119 1,021 Beef................................. 271 191 198 162 232 229 241 244 372 292 Pork................................. 186 128 204 107 152 206 177 187 199 196 Other meats.......................... 116 92 95 77 85 116 103 113 134 129 Poultry.............................. 177 124 120 105 152 149 162 184 216 200 Fish and seafood..................... 139 e/ 59 113 117 118 97 141 128 160 164 Eggs................................. 37 28 30 34 32 44 32 41 37 40 Dairy products......................... 379 239 277 230 258 345 331 350 420 476 Fresh milk and cream................. 140 137 101 98 106 123 136 139 159 157 Other dairy products................. 239 103 176 133 152 222 194 210 261 319 Fruits and vegetables.................. 614 376 385 371 463 586 507 607 683 764 Fresh fruits......................... 194 120 114 113 128 190 150 184 217 253 Fresh vegetables..................... 186 107 121 109 177 172 163 186 204 226 Processed fruits..................... 135 83 75 90 76 122 107 137 157 174 Processed vegetables................. 97 66 75 60 82 102 86 100 105 111 Other food at home..................... 1,142 687 690 658 668 1,040 1,024 1,120 1,297 1,433 Sugar and other sweets............... 141 96 72 49 119 135 134 145 169 166 Fats and oils........................ 100 76 80 61 65 116 93 111 102 110 Miscellaneous foods.................. 512 279 288 340 280 474 424 500 593 656 Nonalcoholic beverages............... 325 209 231 195 192 292 323 310 378 387 Food prepared by consumer unit on out-of-town trips................... 63 e/ 27 e/ 18 e/ 13 e/ 12 24 50 54 56 114 Food away from home.................... 2,754 1,052 974 1,160 1,026 1,476 2,052 2,358 2,887 4,563 Alcoholic beverages......................... 353 284 146 226 149 193 257 299 333 582 Housing..................................... 14,531 8,352 6,721 7,607 8,212 9,819 11,449 12,484 14,281 21,888 Shelter.................................. 8,392 4,890 3,887 4,204 4,735 5,736 6,297 7,245 7,946 12,869 Owned dwellings........................ 6,050 2,175 1,357 1,861 1,790 3,070 3,912 5,074 6,154 10,436 Mortgage interest and charges........ 3,608 1,210 745 905 761 1,694 2,254 3,118 3,692 6,351 Property taxes....................... 1,362 590 402 597 432 700 906 1,066 1,388 2,305 Maintenance, repairs, insurance,other expenses............................ 1,080 374 210 359 597 676 752 890 1,074 1,781 Rented dwellings....................... 1,566 2,502 2,391 2,184 2,775 2,504 2,051 1,703 1,163 775 Other lodging.......................... 776 213 139 159 170 161 335 469 629 1,658 Utilities, fuels, and public services.... 2,813 2,009 1,775 1,903 2,107 2,241 2,469 2,681 2,954 3,570 Natural gas............................ 298 186 126 182 189 247 262 251 324 399 Electricity............................ 1,070 838 755 778 851 878 938 1,051 1,119 1,308 Fuel oil and other fuels............... 101 94 54 72 126 72 108 82 96 124 Telephone services..................... 994 729 682 673 710 784 899 952 1,030 1,256 Water and other public services........ 350 162 158 198 231 259 262 345 384 483 Household operations..................... 564 228 100 301 140 196 262 447 483 1,084 Personal services...................... 146 e/ 10 e/ 36 e/ 139 e/ 28 62 91 156 149 238 Other household expenses............... 417 218 65 162 112 134 171 291 334 846 Housekeeping supplies.................... 647 269 272 435 238 490 662 585 818 836 Laundry and cleaning supplies.......... 151 120 110 97 73 129 127 156 182 182 Other household products............... 316 89 100 231 125 225 354 298 399 405 Postage and stationery................. 179 e/ 60 63 107 40 137 180 131 237 249 Household furnishings and equipment...... 2,115 956 686 763 991 1,156 1,759 1,525 2,081 3,529 Household textiles..................... 185 220 92 72 34 157 103 138 238 269 Furniture.............................. 473 193 57 141 313 306 377 270 399 833 Floor coverings........................ 72 c/ e/ 38 e/ 15 e/ 22 38 30 40 48 152 Major appliances....................... 236 178 90 104 171 109 326 216 223 313 Small appliances, miscellaneous housewares............................ 133 32 31 42 52 74 100 89 132 244 Miscellaneous household equipment...... 1,016 332 379 390 400 473 822 773 1,041 1,718 Apparel and services........................ 2,313 1,375 738 1,090 874 1,878 2,062 1,875 2,206 3,621 Men and boys............................. 576 153 185 117 166 449 439 512 509 1,003 Men, 16 and over....................... 490 e/ 103 148 e/ 66 e/ 77 397 379 443 417 876 Boys, 2 to 15.......................... 86 50 37 50 88 52 59 69 92 127 Women and girls.......................... 981 906 338 619 395 807 878 763 993 1,452 Women, 16 and over..................... 849 881 289 409 339 733 779 692 869 1,234 Girls, 2 to 15......................... 132 25 49 210 56 74 99 71 124 218 Children under 2......................... 52 e/ 1 e/ 20 e/ 21 e/ 21 e/ 19 74 53 59 71 Footwear................................. 362 e/ 111 e/ 100 e/ 196 140 422 399 331 360 489 Other apparel products and services...... 342 204 95 138 152 181 272 216 285 606 Transportation.............................. 9,005 3,310 3,248 4,379 5,278 5,609 6,701 7,390 10,134 13,528 Vehicle purchases (net outlay)........... 4,090 e/ 1,126 e/ 1,543 2,219 2,638 2,525 2,748 3,195 4,797 6,150 Cars and trucks, new................... 2,092 d/ e/ 744 e/ 599 e/ 1,229 e/ 720 1,037 1,311 2,206 3,873 Cars and trucks, used.................. 1,937 1,120 799 1,619 1,394 1,720 1,689 1,724 2,543 2,204 Other vehicles......................... 61 e/ 5 d/ d/ e/ 15 e/ 85 e/ 22 e/ 160 e/ 48 73 Gasoline and motor oil................... 1,342 746 609 791 841 991 1,147 1,319 1,529 1,756 Other vehicle expenses................... 3,068 1,293 819 1,220 1,675 1,896 2,495 2,545 3,379 4,663 Vehicle finance charges................ 448 212 69 143 251 306 425 431 558 601 Maintenance and repairs................ 902 383 256 471 429 572 701 721 1,043 1,354 Vehicle insurance...................... 1,048 547 362 462 717 685 834 923 1,141 1,524 Vehicle rental, leases, licenses, other charges.............................. 670 151 133 144 278 333 534 470 637 1,184 Public transportation.................... 506 145 277 149 124 197 311 330 429 959 Health care................................. 2,243 1,452 904 1,229 1,339 1,522 1,888 2,225 2,391 3,107 Health insurance......................... 921 629 340 418 551 607 841 1,047 1,024 1,203 Medical services......................... 776 455 242 385 306 462 562 599 795 1,246 Drugs.................................... 415 286 271 370 441 329 405 463 418 469 Medical supplies......................... 131 81 51 56 40 123 80 116 154 189 Entertainment............................... 2,350 965 612 1,072 813 1,279 1,876 1,682 2,533 3,845 Fees and admissions...................... 629 261 102 125 173 173 286 457 614 1,234 Television, radios, sound equipment...... 743 327 323 494 380 492 591 687 828 1,051 Pets, toys, and playground equipment..... 426 225 125 126 185 255 323 314 543 648 Other entertainment supplies, equipment,and services.................. 551 152 62 326 75 359 676 224 548 913 Personal care products and services......... 560 543 369 312 271 442 416 473 580 812 Reading..................................... 219 108 64 66 83 102 141 175 232 370 Education................................... 1,018 386 144 83 161 343 508 445 1,085 2,045 Tobacco products and smoking supplies....... 380 340 444 444 435 423 390 423 354 338 Miscellaneous............................... 1,152 586 305 732 630 778 800 939 1,125 1,841 Cash contributions.......................... 1,652 e/ 174 355 455 523 609 827 1,260 1,412 3,249 Personal insurance and pensions............. 6,790 746 554 1,091 1,401 2,366 3,722 5,129 6,931 13,024 Life and other personal insurance........ 612 382 177 262 203 222 370 363 514 1,168 Pensions and Social Security............. 6,178 363 378 829 1,199 2,144 3,352 4,767 6,417 11,856 Sources of income and personal taxes: a/ Money income before taxes.................. 59,263 -1,529 7,644 12,328 17,433 24,702 34,355 44,360 58,925 111,780 Wages and salaries....................... 51,825 2,333 2,801 7,444 11,334 19,872 30,026 39,947 53,455 98,221 Self-employment income................... 3,811 -5,170 e/ 283 934 1,076 1,559 1,450 1,983 2,354 9,060 Social Security, private and government retirement................... 1,768 e/ 236 2,512 2,672 2,445 1,711 1,574 1,293 1,771 1,789 Interest, dividends, rental income, other property income................... 818 e/ 61 e/ 30 131 474 140 419 355 516 1,851 Unemployment and workers'' compensation, veterans'' benefits..................... 293 e/ 171 169 189 481 447 323 276 329 236 Public assistance, supplemental security, income, food stamps..................... 320 566 1,590 807 1,233 471 191 184 115 46 Regular contributions for support........ 201 e/ 116 e/ 80 e/ 39 189 285 302 164 250 176 Other income............................. 228 e/ 157 179 e/ 111 200 217 70 159 135 401 Personal taxes............................. 5,405 478 15 242 596 1,031 2,326 3,941 5,013 11,460 Federal income taxes..................... 4,193 324 -22 109 395 725 1,705 3,011 3,844 9,023 State and local income taxes............. 998 28 5 60 119 243 520 750 965 2,039 Other taxes.............................. 214 e/ 126 32 72 82 64 101 180 204 398 Income after taxes......................... 53,858 -2,007 7,629 12,086 16,837 23,671 32,030 40,419 53,911 100,320 Net change in total assets and liabilities... -2,630 680 213 -1,127 1,548 1,963 -4,278 -6,105 -2,955 -3,771 Net change in total assets............... 5,852 1,797 341 3,327 1,236 4,918 2,584 -457 6,644 11,289 Net change in total liabilities.......... 8,482 1,117 127 4,454 -312 2,955 6,862 5,648 9,599 15,060 Other financial information: Other money receipts..................... 864 e/ 1,845 362 e/ 43 342 335 696 1,080 364 1,501 Mortgage principal paid on owned property................................ -2,013 -632 -250 -599 -777 -842 -1,103 -1,520 -1,741 -3,845 Estimated market value of owned home..... 103,765 43,781 23,323 39,466 32,099 49,115 65,409 84,148 104,262 180,357 Estimated monthly rental value of owned home.................................... 718 303 188 318 302 395 508 605 735 1,172 Gifts of goods and services................. 1,812 429 368 683 470 702 1,226 1,257 1,703 3,403 Food..................................... 217 e/ 13 e/ 9 e/ 6 e/ 25 58 101 104 126 516 Housing.................................. 464 109 122 226 152 212 303 308 404 874 Housekeeping supplies.................. 58 e/ 12 e/ 14 e/ 16 e/ 38 39 62 43 74 84 Household textiles..................... 26 d/ e/ 10 e/ 14 e/ 1 e/ 26 e/ 14 e/ 7 29 50 Appliances and miscellaneous housewares........................... 50 e/ 1 c/ e/ 5 e/ 4 e/ 18 56 45 53 88 Major appliances..................... 13 d/ d/ d/ d/ c/ e/ 25 e/ 34 e/ 10 12 Small appliances and miscellaneous housewares......................... 37 e/ 1 c/ e/ 5 e/ 4 e/ 17 30 11 43 76 Miscellaneous household equipment...... 91 32 8 83 24 47 43 63 77 175 Other housing.......................... 238 e/ 65 89 108 85 82 128 149 172 477 Apparel and services..................... 321 e/ 30 74 307 111 157 354 295 324 489 Males, 2 and over...................... 90 e/ 2 35 e/ 32 e/ 22 50 108 90 101 131 Females, 2 and over.................... 126 e/ 16 e/ 22 e/ 178 28 74 136 112 95 206 Children under 2....................... 38 d/ e/ 13 e/ 21 e/ 18 e/ 9 45 28 46 57 Other apparel products and services.... 67 e/ 12 e/ 4 e/ 76 e/ 44 e/ 23 65 65 82 94 Jewelry and watches.................. 29 e/ 12 e/ 4 e/ 5 e/ 27 e/ 6 13 33 48 40 All other apparel products and services............................ 38 d/ d/ e/ 71 e/ 16 e/ 17 e/ 52 e/ 32 e/ 34 55 Transportation........................... 77 9 12 37 8 6 23 58 97 149 Health care.............................. 50 e/ 70 e/ 3 e/ 6 e/ 1 e/ 9 e/ 61 e/ 29 30 99 Entertainment............................ 119 e/ 71 41 41 52 67 97 114 119 186 Toys, games, hobbies, and tricycles.... 40 e/ 26 e/ 19 e/ 23 21 32 39 49 48 46 Other entertainment.................... 79 45 22 18 32 35 58 65 71 140 Education................................ 406 e/ 85 e/ 45 e/ 21 e/ 73 e/ 96 154 191 458 835 All other gifts.......................... 157 43 62 40 46 98 133 158 146 254 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.