Table 30. Consumer units with reference person age 65 and over 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)...... 17,348 504 3,314 3,816 2,548 3,169 1,578 782 883 754 Income before taxes a/ ...................... $25,274 $2,326 $7,878 $12,307 $17,493 $24,329 $34,448 $44,493 $58,926 $134,453 Income after taxes a/ ....................... 24,088 1,999 7,714 12,010 17,033 23,547 33,173 41,892 55,137 124,253 Age of the reference person.................. 74.6 74.1 76.5 76.1 74.3 74.0 73.3 72.1 72.1 71.4 Average number in consumer unit: Persons..................................... 1.7 1.4 1.3 1.4 1.8 1.9 2.0 2.1 2.3 2.5 Children under 18........................... .1 b/ .1 b/ .1 .1 .1 c/ .1 .1 .2 Persons 65 and over......................... 1.4 1.2 1.1 1.2 1.5 1.6 1.6 1.5 1.5 1.5 Earners..................................... .4 .3 .2 .2 .3 .5 .6 .8 1.1 1.4 Vehicles.................................... 1.6 1.1 .8 1.2 1.5 1.9 2.1 2.4 2.7 2.8 Percent distribution: Male........................................ 50 41 25 36 55 62 71 70 83 75 Female...................................... 50 59 75 64 45 38 29 30 17 25 Homeowner................................... 79 60 61 76 85 89 86 93 92 95 With mortgage.............................. 16 13 7 14 15 16 19 23 28 41 Without mortgage........................... 64 47 54 62 69 72 67 70 64 55 Renter...................................... 21 40 39 24 15 11 14 7 8 5 Black....................................... 9 20 15 8 7 7 6 5 4 4 White and other............................. 91 80 85 92 93 93 94 95 96 96 Elementary (1-8)............................ 16 23 31 18 15 13 8 3 4 3 High school (9-12).......................... 46 54 50 50 51 45 41 36 34 26 College..................................... 37 22 18 31 34 42 51 61 62 71 Never attended and other.................... 1 2 1 1 d/ 1 e/ e/ 1 e/ At least one vehicle owned or leased........ 82 61 59 79 89 92 95 95 96 97 Average annual expenditures.................. $26,861 $18,178 $13,088 $19,229 $24,248 $28,753 $32,414 $40,402 $51,188 $79,558 Food........................................ 3,647 2,682 1,950 2,598 3,512 4,115 5,120 5,654 6,238 8,067 Food at home............................. 2,351 1,690 1,477 1,889 2,421 2,607 3,208 3,266 3,692 3,913 Cereals and bakery products............ 372 247 252 303 378 420 529 474 586 548 Cereals and cereal products.......... 117 88 83 95 133 130 149 147 171 161 Bakery products...................... 255 159 169 208 244 290 380 327 415 387 Meats, poultry, fish, and eggs......... 589 450 371 454 629 653 793 798 905 1,018 Beef................................. 163 146 93 124 157 192 210 222 280 317 Pork................................. 131 77 87 108 147 152 179 159 195 172 Other meats.......................... 81 44 60 63 93 83 106 98 105 147 Poultry.............................. 96 86 67 75 90 113 134 111 135 152 Fish and seafood..................... 88 63 41 58 109 81 128 177 150 192 Eggs................................. 30 34 23 26 32 32 35 30 41 38 Dairy products......................... 260 213 153 218 264 287 340 369 443 436 Fresh milk and cream................. 102 98 70 91 100 110 133 128 149 153 Other dairy products................. 158 115 83 127 165 177 206 241 295 283 Fruits and vegetables.................. 453 321 278 382 442 510 624 605 686 788 Fresh fruits......................... 148 117 84 130 144 172 200 209 213 249 Fresh vegetables..................... 134 84 82 115 127 142 189 167 225 253 Processed fruits..................... 98 75 63 82 91 108 140 124 147 177 Processed vegetables................. 73 46 48 55 80 88 95 105 101 109 Other food at home..................... 677 460 424 532 708 737 922 1,021 1,072 1,122 Sugar and other sweets............... 99 57 65 81 100 120 137 112 161 152 Fats and oils........................ 73 50 47 56 82 81 94 83 122 121 Miscellaneous foods.................. 298 236 186 228 300 318 432 477 472 502 Nonalcoholic beverages............... 169 109 117 146 185 177 204 237 237 258 Food prepared by consumer unit on out-of-town trips................... 38 c/ 8 9 19 40 41 56 112 80 89 Food away from home.................... 1,296 992 473 710 1,091 1,508 1,912 2,388 2,547 4,154 Alcoholic beverages......................... 199 135 48 107 164 227 284 513 359 694 Housing..................................... 8,882 6,466 5,427 7,257 8,376 9,212 9,786 11,538 13,221 24,527 Shelter.................................. 4,506 3,999 2,806 4,036 4,217 4,584 5,083 5,700 6,351 10,748 Owned dwellings........................ 2,947 2,184 1,356 2,467 2,807 3,236 3,272 4,185 4,765 8,038 Mortgage interest and charges........ 703 613 246 513 560 741 695 1,115 1,461 2,763 Property taxes....................... 1,097 593 545 875 1,206 1,222 1,197 1,492 1,631 2,860 Maintenance, repairs, insurance,other expenses............................ 1,146 977 565 1,080 1,041 1,273 1,380 1,578 1,673 2,415 Rented dwellings....................... 1,149 1,596 1,359 1,328 1,154 923 1,192 744 778 724 Other lodging.......................... 410 219 90 241 256 425 620 771 808 1,985 Utilities, fuels, and public services.... 2,171 1,575 1,630 1,857 2,132 2,359 2,480 2,752 2,863 3,811 Natural gas............................ 284 226 214 242 297 318 289 376 303 529 Electricity............................ 863 634 662 737 857 914 979 1,089 1,180 1,501 Fuel oil and other fuels............... 110 c/ 48 73 93 119 130 161 118 115 155 Telephone services..................... 612 457 478 553 552 652 687 775 841 1,056 Water and other public services........ 301 210 204 232 307 346 364 394 423 570 Household operations..................... 665 189 337 379 520 546 476 879 1,031 4,637 Personal services...................... 243 c/ 15 170 94 c/ 223 118 c/ 59 c/ 398 c/ 366 c/ 2,139 Other household expenses............... 423 175 166 284 297 429 417 482 665 2,498 Housekeeping supplies.................... 439 254 201 332 434 546 515 630 671 1,134 Laundry and cleaning supplies.......... 107 60 53 92 111 128 127 135 168 239 Other household products............... 199 114 94 154 195 232 217 337 317 517 Postage and stationery................. 132 80 55 86 128 186 171 158 186 378 Household furnishings and equipment...... 1,100 449 453 654 1,072 1,177 1,232 1,576 2,305 4,197 Household textiles..................... 107 c/ 73 49 46 126 119 132 78 153 491 Furniture.............................. 224 c/ 58 78 155 180 242 294 282 423 965 Floor coverings........................ 49 c/ 3 19 45 34 54 47 c/ 52 147 160 Major appliances....................... 154 c/ 69 76 109 193 197 142 185 261 353 Small appliances, miscellaneous housewares............................ 86 41 38 37 56 79 82 134 523 235 Miscellaneous household equipment...... 480 205 194 262 484 486 535 845 797 1,993 Apparel and services........................ 1,040 598 509 566 1,020 1,065 1,196 1,347 2,005 4,403 Men and boys............................. 211 142 56 83 185 225 367 358 582 773 Men, 16 and over....................... 188 c/ 122 44 67 171 197 330 316 524 729 Boys, 2 to 15.......................... 23 c/ 20 12 16 14 28 37 42 58 44 Women and girls.......................... 436 313 247 270 548 516 432 475 776 1,051 Women, 16 and over..................... 410 287 235 262 526 486 381 417 703 1,015 Girls, 2 to 15......................... 25 c/ 26 12 8 22 29 52 59 73 36 Children under 2......................... 20 c/ 8 c/ 7 c/ 28 c/ 8 c/ 24 c/ 37 c/ 38 c/ 17 c/ 24 Footwear................................. 155 c/ 58 100 93 169 150 207 235 410 321 Other apparel products and services...... 218 77 99 92 110 150 153 241 220 2,236 Transportation.............................. 4,337 2,830 1,693 3,233 3,773 4,987 4,877 8,367 8,762 11,279 Vehicle purchases (net outlay)........... 1,824 c/ 1,264 689 1,493 1,521 1,973 1,599 4,197 3,759 5,005 Cars and trucks, new................... 1,075 c/ 447 c/ 356 1,029 1,002 1,029 c/ 631 3,004 1,842 3,366 Cars and trucks, used.................. 718 c/ 817 328 446 519 944 957 1,193 1,425 1,639 Other vehicles......................... c/ 31 e/ c/ 5 c/ 18 e/ e/ c/ 11 e/ c/ 492 e/ Gasoline and motor oil................... 652 429 318 490 592 773 844 1,081 1,139 1,377 Other vehicle expenses................... 1,460 960 546 1,071 1,285 1,761 1,983 2,378 3,106 3,176 Vehicle finance charges................ 112 101 42 58 84 138 177 233 307 203 Maintenance and repairs................ 525 296 218 409 459 635 847 771 921 1,040 Vehicle insurance...................... 583 434 224 447 545 721 734 976 1,166 1,075 Vehicle rental, leases, licenses, other charges.............................. 240 129 62 157 196 268 225 398 712 858 Public transportation.................... 401 177 140 179 374 481 451 711 757 1,721 Health care................................. 3,103 2,219 1,851 2,504 3,654 3,640 3,867 3,826 4,143 4,612 Health insurance......................... 1,589 1,057 1,029 1,323 1,671 1,894 2,027 1,963 2,008 2,394 Medical services......................... 625 575 272 423 836 720 823 772 1,149 938 Drugs.................................... 724 471 471 627 918 871 797 730 834 999 Medical supplies......................... 165 116 78 131 229 156 220 362 152 280 Entertainment............................... 1,175 505 416 842 1,012 1,202 1,365 1,833 2,519 4,348 Fees and admissions...................... 324 119 74 145 271 318 444 646 848 1,480 Television, radios, sound equipment...... 413 254 232 328 426 444 518 540 654 929 Pets, toys, and playground equipment..... 215 112 75 119 223 283 247 354 392 659 Other entertainment supplies, equipment,and services.................. 223 20 35 250 92 157 156 293 625 1,279 Personal care products and services......... 366 286 175 274 329 418 532 595 612 842 Reading..................................... 173 99 75 133 163 198 234 257 323 398 Education................................... 123 c/ 44 29 44 41 131 159 146 535 674 Tobacco products and smoking supplies....... 156 189 120 123 139 147 138 267 282 316 Miscellaneous............................... 790 835 359 498 647 796 888 934 1,116 3,818 Cash contributions.......................... 1,791 355 284 806 1,034 1,855 2,590 3,116 6,101 8,553 Personal insurance and pensions............. 1,079 935 151 243 383 762 1,378 2,010 4,972 7,027 Life and other personal insurance........ 349 422 135 195 272 403 520 491 769 1,058 Pensions and Social Security............. 730 513 16 48 111 359 858 1,520 4,202 5,969 Sources of income and personal taxes: a/ Money income before taxes.................. 25,274 2,326 7,878 12,307 17,493 24,329 34,448 44,493 58,926 134,453 Wages and salaries....................... 5,177 171 136 399 1,032 2,798 6,073 11,589 20,632 52,255 Self-employment income................... 909 c/ -1061 c/ -34 c/ 33 138 445 918 1,082 2,339 13,502 Social Security, private and government retirement................... 16,173 2,850 7,241 11,296 15,487 19,367 24,183 26,968 29,113 34,822 Interest, dividends, rental income, other property income................... 2,511 -1 71 283 552 1,453 2,730 4,283 5,920 30,966 Unemployment and workers'' compensation, veterans'' benefits..................... 76 c/ 2 c/ 34 c/ 34 c/ 41 65 173 c/ 324 c/ 146 c/ 140 Public assistance, supplemental security, income, food stamps..................... 207 254 328 203 138 97 219 c/ 85 c/ 251 c/ 399 Regular contributions for support........ 88 c/ 5 c/ 22 c/ 24 c/ 55 c/ 57 c/ 123 c/ 89 c/ 375 c/ 587 Other income............................. 133 c/ 106 81 c/ 36 c/ 49 46 c/ 31 c/ 73 c/ 150 c/ 1,782 Personal taxes............................. 1,186 327 164 297 460 782 1,275 2,601 3,788 10,200 Federal income taxes..................... 789 265 64 126 240 398 754 1,880 2,969 7,554 State and local income taxes............. 157 23 9 31 45 76 128 344 501 1,711 Other taxes.............................. 241 38 91 140 174 308 392 377 319 935 Income after taxes......................... 24,088 1,999 7,714 12,010 17,033 23,547 33,173 41,892 55,137 124,253 Net change in total assets and liabilities... 1,623 5,356 698 1,273 918 1,465 2,198 -496 -2,118 13,398 Net change in total assets............... 2,828 5,134 1,098 1,740 2,179 3,071 3,881 378 1,313 17,675 Net change in total liabilities.......... 1,204 -222 400 467 1,261 1,606 1,683 874 3,430 4,277 Other financial information: Other money receipts..................... 497 c/ 4,107 236 103 257 166 720 623 1,767 1,328 Mortgage principal paid on owned property................................ -479 -361 -137 -293 -474 -460 -488 -713 -1,073 -2,139 Estimated market value of owned home..... 93,124 61,200 53,669 68,998 90,996 104,715 108,228 127,320 134,170 253,352 Estimated monthly rental value of owned home.................................... 624 397 364 518 666 712 711 839 867 1,241 Gifts of goods and services................. 966 783 476 599 876 967 1,367 1,324 1,776 3,224 Food..................................... 48 c/ 5 20 34 46 28 114 100 51 155 Housing.................................. 251 182 168 172 219 287 253 299 288 881 Housekeeping supplies.................. 33 c/ 18 12 26 33 42 52 57 44 60 Household textiles..................... 20 c/ 11 14 7 28 11 c/ 37 c/ 16 c/ 6 c/ 85 Appliances and miscellaneous housewares........................... 33 c/ 9 c/ 11 7 39 41 39 c/ 41 c/ 44 182 Major appliances..................... 10 d/ c/ 1 c/ 1 28 c/ 10 c/ 9 c/ 11 c/ 10 c/ 46 Small appliances and miscellaneous housewares......................... 23 c/ 9 c/ 10 7 11 30 30 c/ 31 c/ 33 135 Miscellaneous household equipment...... 59 56 36 31 40 72 62 124 85 203 Other housing.......................... 106 89 95 101 79 121 64 61 110 352 Apparel and services..................... 193 123 127 123 150 208 243 258 469 528 Males, 2 and over...................... 57 52 20 43 31 67 79 98 192 135 Females, 2 and over.................... 73 c/ 35 36 40 92 74 85 68 121 269 Children under 2....................... 18 c/ 8 c/ 7 c/ 24 c/ 8 c/ 24 c/ 36 c/ 26 c/ 12 c/ 21 Other apparel products and services.... 45 c/ 28 64 16 18 43 43 c/ 66 143 103 Jewelry and watches.................. 24 c/ 5 c/ 44 11 9 25 23 c/ 16 23 c/ 60 All other apparel products and services............................ 21 c/ 23 c/ 20 c/ 4 c/ 10 c/ 18 c/ 20 c/ 50 c/ 120 c/ 43 Transportation........................... 69 153 30 35 67 70 106 119 108 189 Health care.............................. 108 c/ 147 55 97 170 67 158 c/ 68 c/ 171 c/ 202 Entertainment............................ 101 58 21 54 69 78 124 201 192 610 Toys, games, hobbies, and tricycles.... 32 c/ 14 7 21 22 36 54 48 95 99 Other entertainment.................... 69 44 14 33 48 42 69 153 96 511 Education................................ 59 c/ 29 c/ 12 c/ 19 c/ 17 46 c/ 95 c/ 74 c/ 310 c/ 314 All other gifts.......................... 137 85 42 63 138 182 273 205 188 345 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.05. c Data are likely to have large sampling errors. d Value less than 0.5. e No data reported. n.a. Not applicable.