Table 36. Consumer units of two or more persons 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)...... 58,327 1,648 2,859 4,211 4,662 8,660 7,146 5,782 9,700 13,660 Income before taxes a/ ...................... $50,640 $1,437 $7,822 $12,566 $17,446 $24,597 $34,563 $44,520 $58,717 $110,382 Income after taxes a/ ....................... 46,873 1,130 7,911 12,516 17,185 23,922 32,860 41,758 54,527 99,882 Age of the reference person.................. 46.6 41.0 49.1 50.4 51.1 49.0 46.1 44.4 43.8 45.6 Average number in consumer unit: Persons..................................... 3.1 3.1 2.9 2.9 2.9 3.0 3.1 3.2 3.3 3.2 Children under 18........................... .9 1.2 1.0 .9 .9 .9 .9 1.0 1.0 .9 Persons 65 and over......................... .3 .2 .4 .5 .6 .5 .3 .2 .2 .1 Earners..................................... 1.6 1.1 .9 1.0 1.0 1.3 1.6 1.8 2.0 2.2 Vehicles.................................... 2.4 1.4 1.3 1.6 1.7 2.1 2.4 2.6 2.7 3.0 Percent distribution: Male........................................ 62 40 35 47 56 61 65 66 69 71 Female...................................... 38 60 65 53 44 39 35 34 31 29 Homeowner................................... 71 43 43 50 57 65 68 73 80 91 With mortgage.............................. 47 21 14 21 21 30 41 51 62 75 Without mortgage........................... 24 22 29 29 36 35 27 22 19 15 Renter...................................... 29 57 57 50 43 35 32 27 20 9 Black....................................... 11 21 26 20 16 12 10 10 7 6 White and other............................. 89 79 74 80 84 88 90 90 93 94 Elementary (1-8)............................ 6 10 18 16 14 9 6 3 2 1 High school (9-12).......................... 40 55 55 56 53 51 45 39 34 21 College..................................... 54 35 26 28 32 39 49 58 65 78 Never attended and other.................... b/ b/ 1 1 1 b/ b/ b/ b/ c/ At least one vehicle owned or leased........ 93 71 69 81 89 92 97 98 98 99 Average annual expenditures.................. $44,405 $25,338 $19,109 $22,191 $25,620 $30,209 $36,290 $41,929 $50,451 $75,572 Food........................................ 6,076 4,260 3,628 3,591 4,193 4,715 5,560 6,130 6,850 8,909 Food at home............................. 3,539 2,806 2,534 2,556 2,819 3,036 3,422 3,621 3,966 4,483 Cereals and bakery products............ 541 418 401 382 427 461 517 559 605 693 Cereals and cereal products.......... 191 164 170 148 161 161 189 199 207 230 Bakery products...................... 350 254 231 234 267 300 328 360 398 463 Meats, poultry, fish, and eggs......... 913 828 742 708 786 814 907 913 1,015 1,069 Beef................................. 273 237 207 201 220 236 273 284 329 312 Pork................................. 189 171 181 156 175 183 197 193 198 201 Other meats.......................... 117 111 84 99 95 108 115 117 129 135 Poultry.............................. 171 158 127 134 139 152 165 167 189 211 Fish and seafood..................... 124 104 104 80 118 96 114 110 132 171 Eggs................................. 40 47 39 38 39 39 43 40 38 39 Dairy products......................... 394 316 275 288 300 329 383 400 452 501 Fresh milk and cream................. 153 154 113 128 127 130 162 155 173 176 Other dairy products................. 240 162 162 160 173 199 221 246 279 325 Fruits and vegetables.................. 596 494 384 438 484 521 575 593 631 786 Fresh fruits......................... 183 166 108 135 146 161 175 181 191 248 Fresh vegetables..................... 182 155 119 136 155 157 184 171 189 239 Processed fruits..................... 130 101 85 92 99 111 118 135 140 178 Processed vegetables................. 100 72 73 75 85 93 98 105 112 120 Other food at home..................... 1,096 750 732 740 823 910 1,040 1,156 1,263 1,434 Sugar and other sweets............... 138 110 99 92 117 121 128 136 166 171 Fats and oils........................ 98 87 74 71 92 92 97 107 104 111 Miscellaneous foods.................. 504 314 321 325 355 407 481 547 587 677 Nonalcoholic beverages............... 297 219 220 230 228 250 289 310 343 365 Food prepared by consumer unit on out-of-town trips................... 59 20 19 21 32 40 45 57 62 111 Food away from home.................... 2,537 1,454 1,094 1,035 1,374 1,680 2,138 2,508 2,884 4,425 Alcoholic beverages......................... 352 335 125 138 176 232 258 310 407 650 Housing..................................... 13,632 8,983 7,135 7,769 8,569 9,579 11,124 12,427 14,785 22,707 Shelter.................................. 7,667 5,302 3,813 4,272 4,670 5,163 6,149 6,845 8,145 13,220 Owned dwellings........................ 5,288 2,529 1,415 1,784 2,025 2,788 3,713 4,388 6,011 10,902 Mortgage interest and charges........ 3,117 1,343 578 733 750 1,247 2,073 2,718 3,750 6,855 Property taxes....................... 1,208 593 459 542 712 786 866 950 1,272 2,323 Maintenance, repairs, insurance,other expenses............................ 963 593 378 510 563 755 774 719 989 1,724 Rented dwellings....................... 1,851 2,539 2,264 2,283 2,417 2,131 2,152 2,105 1,619 1,075 Other lodging.......................... 529 233 134 205 228 244 284 352 515 1,244 Utilities, fuels, and public services.... 2,715 2,009 1,984 2,079 2,169 2,387 2,540 2,704 2,908 3,504 Natural gas............................ 308 208 230 222 259 278 261 302 322 416 Electricity............................ 1,032 820 802 857 876 938 998 1,039 1,089 1,246 Fuel oil and other fuels............... 96 73 65 83 77 95 98 93 100 115 Telephone services..................... 938 713 682 691 705 786 875 933 1,023 1,247 Water and other public services........ 341 195 205 225 251 290 308 337 374 481 Household operations..................... 737 393 255 239 313 384 450 607 775 1,579 Personal services...................... 381 219 125 130 164 203 241 361 466 741 Other household expenses............... 355 174 130 109 149 181 209 247 309 838 Housekeeping supplies.................... 619 315 325 350 368 448 560 628 770 931 Laundry and cleaning supplies.......... 154 116 94 114 121 133 142 164 184 193 Other household products............... 300 129 162 161 165 206 265 303 379 469 Postage and stationery................. 164 70 69 76 81 110 152 161 207 269 Household furnishings and equipment...... 1,893 964 758 829 1,049 1,197 1,426 1,642 2,186 3,472 Household textiles..................... 139 126 51 54 90 101 87 106 175 248 Furniture.............................. 462 239 100 190 258 313 372 351 482 895 Floor coverings........................ 62 75 14 31 26 36 40 48 60 126 Major appliances....................... 208 150 121 160 158 171 170 189 226 303 Small appliances, miscellaneous housewares............................ 115 51 42 44 53 71 91 101 137 219 Miscellaneous household equipment...... 907 321 429 349 464 505 666 847 1,106 1,682 Apparel and services........................ 2,131 1,616 992 1,182 1,328 1,538 1,983 1,920 2,222 3,538 Men and boys............................. 522 291 203 189 280 355 469 461 573 947 Men, 16 and over....................... 397 155 127 115 183 252 347 344 432 777 Boys, 2 to 15.......................... 125 136 76 74 97 103 122 117 141 170 Women and girls.......................... 818 801 390 521 533 568 713 769 863 1,332 Women, 16 and over..................... 668 670 310 411 427 435 591 632 706 1,106 Girls, 2 to 15......................... 150 131 80 110 106 133 122 137 157 226 Children under 2......................... 105 108 74 89 49 86 117 117 107 136 Footwear................................. 373 215 185 239 313 352 447 349 380 480 Other apparel products and services...... 313 202 141 144 153 177 238 224 298 642 Transportation.............................. 8,445 4,485 3,120 4,479 4,992 6,068 7,077 8,624 10,107 13,406 Vehicle purchases (net outlay)........... 3,954 2,140 1,370 2,217 2,343 2,889 3,085 4,153 4,815 6,234 Cars and trucks, new................... 1,842 d/ 625 476 787 888 996 981 1,575 2,156 3,803 Cars and trucks, used.................. 2,068 1,515 894 1,418 1,414 1,869 2,066 2,501 2,608 2,362 Other vehicles......................... 44 c/ c/ d/ 12 d/ 41 d/ 24 d/ 38 77 50 68 Gasoline and motor oil................... 1,256 782 631 763 841 1,006 1,197 1,370 1,509 1,700 Other vehicle expenses................... 2,758 1,376 939 1,322 1,560 1,878 2,474 2,752 3,338 4,459 Vehicle finance charges................ 415 252 96 133 202 247 422 460 598 613 Maintenance and repairs................ 809 411 343 526 540 595 799 812 923 1,196 Vehicle insurance...................... 917 513 334 484 596 718 847 962 1,091 1,350 Vehicle rental, leases, licenses, other charges.............................. 618 199 166 178 222 320 406 517 725 1,300 Public transportation.................... 476 187 179 177 247 295 320 349 446 1,013 Health care................................. 2,286 1,381 1,189 1,550 2,268 2,184 2,167 2,229 2,379 2,941 Health insurance......................... 1,075 574 590 772 1,059 1,127 1,103 1,110 1,090 1,263 Medical services......................... 656 454 284 294 491 499 546 572 758 1,049 Drugs.................................... 422 276 267 391 590 461 399 409 387 440 Medical supplies......................... 132 77 47 94 127 98 120 138 144 190 Entertainment............................... 2,263 1,151 822 1,097 1,054 1,340 1,665 2,002 2,729 4,166 Fees and admissions...................... 553 255 170 148 219 259 329 443 630 1,206 Television, radios, sound equipment...... 702 440 365 436 474 533 626 662 823 1,045 Pets, toys, and playground equipment..... 430 225 175 216 242 285 323 443 511 729 Other entertainment supplies, equipment,and services.................. 577 231 111 297 119 263 386 453 765 1,186 Personal care products and services......... 513 519 265 277 281 390 446 510 570 811 Reading..................................... 186 95 67 81 98 125 146 157 210 340 Education................................... 655 364 234 201 264 337 436 461 690 1,429 Tobacco products and smoking supplies....... 343 364 323 323 314 322 362 395 392 306 Miscellaneous............................... 1,015 591 479 390 563 753 900 1,021 1,156 1,657 Cash contributions.......................... 1,364 427 311 383 501 831 1,136 1,243 1,537 2,679 Personal insurance and pensions............. 5,145 765 418 728 1,018 1,793 3,030 4,500 6,416 12,033 Life and other personal insurance........ 515 369 155 213 233 293 380 501 547 992 Pensions and Social Security............. 4,629 395 263 516 785 1,500 2,650 3,999 5,869 11,040 Sources of income and personal taxes: a/ Money income before taxes.................. 50,639 1,437 7,822 12,566 17,446 24,597 34,563 44,520 58,713 110,382 Wages and salaries....................... 40,990 1,594 2,483 5,557 8,511 15,473 25,619 36,730 50,878 94,811 Self-employment income................... 2,991 -1,798 158 282 565 845 1,494 1,876 2,402 8,859 Social Security, private and government retirement................... 4,717 591 3,057 5,032 6,891 7,004 5,927 4,478 3,760 3,422 Interest, dividends, rental income, other property income................... 855 29 47 75 139 320 559 554 819 2,254 Unemployment and workers'' compensation, veterans'' benefits..................... 209 51 80 114 232 196 288 260 225 208 Public assistance, supplemental security, income, food stamps..................... 387 634 1,578 1,201 729 375 251 201 152 65 Regular contributions for support........ 271 157 212 187 249 257 268 268 337 295 Other income............................. 220 178 208 120 130 127 156 153 140 466 Personal taxes............................. 3,767 307 -89 50 261 675 1,703 2,762 4,190 10,500 Federal income taxes..................... 2,862 218 -155 -66 69 385 1,203 2,047 3,141 8,254 State and local income taxes............. 713 10 14 38 68 165 354 552 862 1,870 Other taxes.............................. 192 79 52 78 124 125 145 163 187 375 Income after taxes......................... 46,873 1,130 7,911 12,516 17,185 23,922 32,860 41,758 54,527 99,882 Net change in total assets and liabilities... -2,115 4,063 874 -1,052 1,952 665 -850 -3,176 -4,179 -5,710 Net change in total assets............... 7,467 7,042 2,057 1,080 3,244 3,870 4,911 5,161 6,603 17,267 Net change in total liabilities.......... 9,582 2,980 1,183 2,132 1,292 3,205 5,761 8,337 10,783 22,977 Other financial information: Other money receipts..................... 614 1,883 101 51 224 233 343 371 1,031 1,064 Mortgage principal paid on owned property................................ -1,619 -5,464 -271 -385 -521 -608 -854 -1,165 -1,641 -3,411 Estimated market value of owned home..... 94,876 47,939 38,381 45,140 52,349 62,708 70,366 77,872 97,931 180,455 Estimated monthly rental value of owned home.................................... 661 331 272 331 398 454 522 578 713 1,174 Gifts of goods and services................. 1,227 574 475 523 511 713 863 955 1,272 2,549 Food..................................... 102 17 26 28 18 27 48 75 94 276 Housing.................................. 351 196 138 162 151 190 253 318 378 696 Housekeeping supplies.................. 54 21 17 25 27 35 42 55 68 93 Household textiles..................... 20 d/ 3 d/ 9 6 11 6 20 15 22 43 Appliances and miscellaneous housewares........................... 39 d/ 4 d/ 13 6 9 21 33 40 53 74 Major appliances..................... 8 b/ d/ 1 d/ 1 d/ 4 4 8 21 9 12 Small appliances and miscellaneous housewares......................... 30 d/ 4 d/ 12 5 5 17 25 18 44 62 Miscellaneous household equipment...... 82 15 24 37 28 44 44 94 82 176 Other housing.......................... 156 153 75 87 76 84 114 114 153 310 Apparel and services..................... 253 170 145 176 125 185 220 216 255 440 Males, 2 and over...................... 68 45 47 37 28 55 53 58 63 124 Females, 2 and over.................... 92 43 45 63 46 56 76 83 84 176 Children under 2....................... 45 d/ 23 33 38 17 36 48 37 47 71 Other apparel products and services.... 49 d/ 59 19 38 34 38 44 38 62 69 Jewelry and watches.................. 18 d/ 19 d/ 4 8 9 11 13 11 26 29 All other apparel products and services............................ 31 d/ 40 d/ 16 d/ 30 25 27 30 27 36 39 Transportation........................... 66 18 32 28 36 57 42 43 74 124 Health care.............................. 30 d/ 2 d/ 11 d/ 8 d/ 9 31 30 13 25 62 Entertainment............................ 109 43 39 43 61 63 74 99 126 208 Toys, games, hobbies, and tricycles.... 37 12 15 21 16 30 32 36 50 54 Other entertainment.................... 72 31 24 22 45 33 42 64 76 154 Education................................ 177 d/ 46 d/ 34 d/ 29 37 41 65 64 184 503 All other gifts.......................... 139 81 50 49 75 119 130 127 137 240 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. n.a. Not applicable.