Table 46. Income before taxes: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 1999 Complete reporting of income a/ 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)...... 81,692 3,909 7,588 8,639 6,995 11,560 9,453 7,381 10,999 15,168 Income before taxes b/ ...................... $43,951 $1,633 $7,631 $12,338 $17,311 $24,467 $34,353 $44,321 $58,473 $113,441 Income after taxes b/ ....................... 40,652 1,234 7,576 12,163 16,927 23,487 32,458 41,405 54,073 102,616 Age of the reference person.................. 47.9 39.1 55.3 55.8 50.9 48.8 45.8 44.7 43.9 45.8 Average number in consumer unit: Persons..................................... 2.5 1.9 1.7 2.0 2.2 2.5 2.5 2.6 2.9 3.1 Children under 18........................... .7 .5 .4 .5 .6 .7 .7 .7 .8 .9 Persons 65 and over......................... .3 .2 .5 .5 .5 .4 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .7 .9 1.1 1.4 1.6 1.9 2.1 Vehicles.................................... 2.0 1.0 .9 1.3 1.5 1.8 2.1 2.3 2.5 2.8 Percent distribution: Male........................................ 55 43 32 40 49 56 58 61 66 69 Female...................................... 45 57 68 60 51 44 42 39 34 31 Homeowner................................... 64 29 43 54 53 61 63 67 77 88 With mortgage.............................. 38 13 8 15 18 28 37 46 59 72 Without mortgage........................... 26 16 35 39 34 33 26 20 18 16 Renter...................................... 36 71 57 46 47 39 37 33 23 12 Black....................................... 11 19 19 14 16 11 10 9 8 6 White and other............................. 89 81 81 86 84 89 90 91 92 94 Elementary (1-8)............................ 6 8 19 12 10 6 5 3 2 1 High school (9-12).......................... 38 41 49 50 48 47 40 33 33 21 College..................................... 55 51 33 37 41 47 55 64 65 78 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ d/ At least one vehicle owned or leased........ 88 60 60 79 85 92 95 95 97 97 Average annual expenditures.................. $39,143 $17,983 $14,921 $19,710 $24,367 $28,916 $35,048 $40,826 $49,606 $76,742 Food....................................... 13.3 16.0 17.3 14.8 15.7 14.9 14.4 14.3 13.2 11.4 Food at home............................. 7.7 10.0 12.2 10.1 10.3 9.3 8.3 8.5 7.5 5.6 Cereals and bakery products............ 1.2 1.5 2.0 1.6 1.6 1.4 1.3 1.3 1.2 .9 Cereals and cereal products.......... .4 .5 .8 .6 .6 .5 .5 .5 .4 .3 Bakery products...................... .8 1.0 1.2 1.0 1.0 .9 .8 .8 .8 .6 Meats, poultry, fish, and eggs......... 1.9 2.7 3.4 2.7 2.8 2.5 2.1 2.1 1.8 1.3 Beef................................. .6 .7 1.0 .7 .8 .7 .6 .6 .6 .4 Pork................................. .4 .5 .8 .6 .6 .6 .4 .5 .4 .2 Other meats.......................... .3 .4 .4 .4 .4 .3 .3 .3 .3 .2 Poultry.............................. .4 .6 .6 .5 .4 .4 .4 .4 .3 .3 Fish and seafood..................... .3 .4 .5 .3 .5 .3 .3 .3 .3 .2 Eggs................................. .1 .2 .2 .1 .1 .1 .1 .1 .1 .1 Dairy products......................... .9 1.1 1.3 1.1 1.1 1.0 1.0 .9 .9 .7 Fresh milk and cream................. .3 .5 .5 .5 .4 .4 .4 .3 .3 .2 Other dairy products................. .5 .6 .7 .7 .6 .6 .6 .6 .5 .4 Fruits and vegetables.................. 1.3 1.8 2.1 1.8 1.8 1.6 1.4 1.4 1.2 1.0 Fresh fruits......................... .4 .6 .6 .6 .5 .5 .4 .4 .4 .3 Fresh vegetables..................... .4 .5 .6 .5 .5 .5 .4 .4 .4 .3 Processed fruits..................... .3 .4 .5 .4 .4 .4 .3 .3 .3 .2 Processed vegetables................. .2 .3 .4 .3 .3 .3 .2 .3 .2 .2 Other food at home..................... 2.4 2.9 3.4 2.9 3.1 2.9 2.6 2.7 2.4 1.8 Sugar and other sweets............... .3 .4 .5 .4 .4 .4 .3 .3 .3 .2 Fats and oils........................ .2 .3 .3 .3 .4 .3 .3 .3 .2 .1 Miscellaneous foods.................. 1.1 1.2 1.5 1.3 1.4 1.3 1.2 1.3 1.1 .9 Nonalcoholic beverages............... .6 .8 1.0 .9 .8 .8 .7 .7 .7 .5 Food prepared by consumer unit on out-of-town trips................... .1 .1 .1 .1 .1 .1 .1 .1 .1 .1 Food away from home...................... 5.6 5.9 5.1 4.7 5.3 5.6 6.1 5.8 5.7 5.7 Alcoholic beverages......................... .9 1.5 .7 .9 .8 .9 .8 .8 .9 .9 Housing..................................... 31.5 35.6 38.4 36.1 34.2 32.6 31.0 31.0 30.0 30.1 Shelter.................................. 18.0 21.6 21.9 20.4 18.9 18.3 18.0 18.1 16.7 17.4 Owned dwellings........................ 11.5 7.1 7.8 8.7 7.9 9.5 10.1 10.7 12.0 14.0 Mortgage interest and charges........ 6.4 3.3 2.4 2.4 2.9 4.2 5.6 6.6 7.3 8.5 Property taxes....................... 2.8 2.1 2.9 3.2 2.7 2.7 2.4 2.3 2.6 3.0 Maintenance, repairs, insurance,other expenses............................ 2.3 1.7 2.5 3.1 2.3 2.7 2.1 1.9 2.0 2.4 Rented dwellings....................... 5.3 13.1 13.2 10.8 10.2 8.0 7.0 6.6 3.7 1.7 Other lodging.......................... 1.2 1.4 .9 .8 .8 .9 .8 .9 1.0 1.7 Utilities, fuels, and public services.... 6.1 7.3 10.1 9.3 8.0 7.5 6.6 6.1 5.6 4.4 Natural gas............................ .7 .7 1.1 1.0 1.0 .8 .7 .7 .6 .5 Electricity............................ 2.3 2.8 4.1 3.7 3.1 2.9 2.5 2.3 2.1 1.6 Fuel oil and other fuels............... .2 .2 .3 .3 .3 .3 .2 .2 .2 .1 Telephone services..................... 2.2 2.9 3.5 3.2 2.7 2.6 2.4 2.2 2.1 1.6 Water and other public services........ .7 .7 1.1 1.0 .9 .9 .7 .8 .7 .6 Household operations..................... 1.8 1.5 1.5 1.5 1.8 1.3 1.1 1.5 1.6 2.5 Personal services...................... .9 .6 .7 .5 1.1 .6 .5 .9 .9 1.2 Other household expenses............... .9 .9 .8 1.0 .7 .7 .6 .7 .7 1.3 Housekeeping supplies.................... 1.4 1.3 1.7 1.4 1.4 1.6 1.5 1.4 1.6 1.2 Laundry and cleaning supplies.......... .3 .5 .5 .4 .5 .5 .3 .4 .3 .2 Other household products............... .7 .6 .8 .6 .6 .7 .7 .7 .9 .7 Postage and stationery................. .4 .3 .4 .4 .3 .4 .4 .3 .4 .3 Household furnishings and equipment...... 4.1 3.9 3.3 3.5 4.1 3.9 3.8 3.8 4.4 4.5 Household textiles..................... .3 .2 .3 .3 .4 .4 .3 .3 .3 .3 Furniture.............................. 1.0 1.2 .7 .9 .9 .9 1.0 .7 1.0 1.1 Floor coverings........................ .1 e/ .3 .1 .1 .1 .1 .1 .1 .1 .1 Major appliances....................... .5 .5 .5 .5 .6 .6 .5 .5 .5 .4 Small appliances, miscellaneous housewares............................ .3 .3 .2 .2 .2 .3 .3 .2 .4 .3 Miscellaneous household equipment...... 1.9 1.5 1.5 1.4 1.8 1.6 1.7 1.9 2.1 2.2 Apparel and services....................... 4.8 5.5 4.7 4.5 5.6 5.4 5.4 4.1 4.3 4.7 Men and boys............................. 1.2 1.2 .8 .7 1.0 1.2 1.5 1.0 1.1 1.2 Men, 16 and over....................... .9 .8 .6 .5 .7 .9 1.2 .8 .8 1.0 Boys, 2 to 15.......................... .3 .4 .2 .2 .3 .3 .3 .2 .3 .2 Women and girls.......................... 1.8 2.4 2.0 2.1 2.7 2.0 1.9 1.5 1.6 1.7 Women, 16 and over..................... 1.5 2.2 1.7 1.7 2.4 1.6 1.7 1.3 1.3 1.4 Girls, 2 to 15......................... .3 .2 .3 .4 .2 .4 .3 .2 .3 .3 Children under 2......................... .2 e/ .2 .3 .2 .1 .2 .2 .3 .2 .2 Footwear................................. .8 .9 .8 .9 1.1 1.2 1.2 .7 .8 .6 Other apparel products and services...... .8 .8 .7 .7 .6 .7 .6 .6 .6 1.0 Transportation............................. 18.4 17.3 15.0 18.8 18.8 19.0 19.9 20.5 18.9 17.4 Vehicle purchases (net outlay)........... 8.7 8.1 6.3 9.1 8.7 8.6 9.2 10.1 8.7 8.4 Cars and trucks, new................... 4.1 e/ 2.3 3.2 4.1 3.9 3.4 3.5 4.3 3.6 4.9 Cars and trucks, used.................. 4.5 5.7 3.1 5.0 4.7 5.2 5.5 5.7 5.0 3.4 Other vehicles......................... .1 f/ d/ f/ f/ f/ e/ .2 e/ .1 .1 .1 Gasoline and motor oil................... 2.7 3.1 2.8 3.1 3.0 3.2 3.2 3.1 2.9 2.2 Other vehicle expenses................... 6.0 5.3 4.7 5.7 6.1 6.2 6.6 6.4 6.3 5.6 Vehicle finance charges................ .8 .7 .4 .5 .7 .8 1.0 1.0 1.1 .8 Maintenance and repairs................ 1.8 1.8 1.8 2.3 2.3 2.0 2.0 2.0 1.8 1.6 Vehicle insurance...................... 2.0 1.7 1.8 2.2 2.2 2.3 2.3 2.1 2.1 1.7 Vehicle rental, leases, licenses, other charges......................... 1.3 1.0 .8 .8 .9 1.0 1.2 1.3 1.4 1.6 Public transportation.................... 1.0 .9 1.1 .9 1.0 1.0 .9 .9 .9 1.2 Health care................................ 5.2 5.2 7.8 8.3 7.9 7.0 5.6 5.0 4.8 3.7 Health insurance......................... 2.4 1.9 4.0 4.1 3.6 3.4 2.8 2.5 2.1 1.6 Medical services......................... 1.5 2.0 1.4 1.5 1.9 1.8 1.6 1.3 1.5 1.3 Drugs.................................... 1.0 1.0 2.0 2.2 2.1 1.5 1.0 .8 .8 .6 Medical supplies......................... .3 .3 .4 .6 .4 .4 .3 .3 .3 .2 Entertainment.............................. 5.1 5.0 4.3 4.9 4.2 4.6 4.8 4.6 5.6 5.4 Fees and admissions...................... 1.2 1.0 .9 .8 .9 .9 1.0 1.2 1.3 1.5 Television, radios, sound equipment...... 1.6 1.9 2.1 2.0 1.9 1.8 1.7 1.5 1.7 1.3 Pets, toys, and playground equipment..... .9 .9 .9 1.0 .9 .9 .8 1.1 1.0 .9 Other entertainment supplies, equipment,and services.................. 1.3 1.3 .5 1.2 .4 1.0 1.3 .8 1.5 1.6 Personal care products and services........ 1.1 1.3 1.5 1.1 1.2 1.3 1.3 1.2 1.1 1.0 Reading.................................... .4 .4 .5 .5 .4 .5 .4 .4 .4 .4 Education.................................. 1.5 4.8 2.4 1.4 1.0 1.1 1.0 1.0 1.2 1.9 Tobacco products and smoking supplies...... .8 1.4 1.5 1.3 1.2 1.1 1.0 .9 .8 .4 Miscellaneous.............................. 2.4 2.0 2.3 1.9 2.4 2.4 2.5 2.3 2.2 2.5 Cash contributions......................... 3.4 1.7 1.6 2.6 2.5 2.9 3.0 2.7 3.7 4.3 Personal insurance and pensions............ 11.1 2.2 2.1 3.0 4.2 6.4 8.8 11.1 12.9 15.9 Life and other personal insurance........ 1.0 .8 .8 .9 .7 .9 1.0 .9 1.0 1.3 Pensions and Social Security............. 10.1 1.5 1.3 2.1 3.5 5.5 7.8 10.3 11.9 14.6 Sources of income and personal taxes: b/ Money income before taxes................. $43,951 $1,633 $7,631 $12,338 $17,311 $24,467 $34,353 $44,321 $58,468 $113,441 Wages and salaries....................... 78.4 98.7 25.6 35.8 52.2 62.3 76.8 82.5 86.7 83.6 Self-employment income................... 5.9 -67.0 1.2 2.2 2.6 4.6 4.2 3.9 3.8 8.6 Social Security, private and government retirement................... 10.9 25.4 56.3 51.4 36.7 27.5 14.6 10.4 6.5 3.3 Interest, dividends, rental income, other property income................... 2.5 1.8 1.0 1.4 2.0 1.9 1.7 1.4 1.7 3.4 Unemployment and workers'' compensation, veterans'' benefits..................... .4 2.5 .6 .7 1.1 .9 .9 .5 .3 .2 Public assistance, supplemental security, income, food stamps..................... .7 20.9 10.8 5.3 3.0 1.2 .6 .3 .3 .1 Regular contributions for support........ .6 9.0 2.2 2.2 1.6 .9 .7 .6 .6 .3 Other income............................. .5 8.8 2.4 1.1 .9 .7 .4 .4 .2 .5 Personal taxes............................. 7.5 24.5 .7 1.4 2.2 4.0 5.5 6.6 7.5 9.5 Federal income taxes..................... 5.7 20.0 -.2 .4 1.1 2.6 4.1 4.9 5.6 7.5 State and local income taxes............. 1.4 1.0 .2 .3 .5 .8 1.1 1.4 1.5 1.7 Other taxes.............................. .4 3.5 .7 .7 .6 .6 .4 .4 .3 .3 Income after taxes.......................... 92.5 75.5 99.3 98.6 97.8 96.0 94.5 93.4 92.5 90.5 a See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. b Components of income and taxes are derived from "complete income reporters" only; see glossary. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors. f Value less than 0.05.