Table 1. By QUINTILES OF INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1992 All Complete reporting of income Incomplete Item consumer Total Lowest Second Third Fourth Highest reporting units complete 20 20 20 20 20 of reporting percent percent percent percent percent income ________________________________________________________________________________ Number of consumer units (in thousands)... 100019 86395 17241 17281 17283 17274 17315 13624 Lower limit............................... 0 0 0 10124 19426 31408 50869 0 Income before taxes 1/.................... 33854 33854 5981 14606 25108 40284 83131 0 Income after taxes 1/..................... 30786 30786 5841 14115 23399 36957 73479 0 Age of reference person................... 47.6 47.5 50.1 51.6 46.9 44 45 48.1 Average number in consumer unit:.......... Persons.................................. 2.5 2.5 1.8 2.2 2.5 2.9 3.1 2.6 Children under 18........................ 0.7 0.7 0.5 0.6 0.7 0.9 0.9 0.7 Persons 65 and over...................... 0.3 0.3 0.4 0.5 0.4 0.2 0.1 0.3 Earners.................................. 1.3 1.3 0.6 0.9 1.3 1.7 2.1 1.3 Vehicles................................. 1.9 1.9 0.9 1.5 2 2.4 2.9 1.9 Percent distribution: Male..................................... 64 64 42 54 68 74 81 65 Female................................... 36 36 58 46 32 26 19 35 Percent homeowner........................ 61 61 36 51 59 71 86 66 With mortgage........................... 36 36 8 18 31 52 72 37 Without mortgage........................ 25 24 28 33 27 20 15 29 Renter................................... 39 39 64 49 41 29 14 34 Black.................................... 11 11 20 13 10 8 5 14 White and other.......................... 89 89 80 87 90 92 95 86 Elementary (1-8)......................... 10 11 22 17 9 3 2 9 High school (9-12)....................... 43 42 47 49 48 43 25 48 College.................................. 46 47 30 34 43 54 72 43 Never attended and other................. 0 0 1 0 0 0 0 1 At least one vehicle owned............... 86 86 59 83 93 97 97 85 Average annual expenditures............... 29846 30527 12643 19257 26573 36094 57981 26085 Food..................................... 4273 4359 2266 3314 4085 5107 7012 3954 Food at home............................ 2643 2684 1654 2284 2622 3015 3844 2487 Cereals and bakery products............ 411 418 255 348 407 474 605 384 Cereals and cereal products........... 141 144 90 127 143 163 198 129 Bakery products....................... 270 274 165 221 264 312 407 255 Meats, poultry, fish, and eggs......... 687 687 454 628 680 735 939 688 Beef.................................. 210 210 129 199 212 233 279 211 Pork.................................. 156 156 115 151 165 167 180 156 Other meats........................... 94 95 58 83 101 109 123 90 Poultry............................... 123 123 87 111 111 126 183 122 Fish and seafood...................... 77 75 42 58 63 71 140 82 Eggs.................................. 28 28 23 27 29 29 35 26 Dairy products......................... 302 307 199 264 302 350 420 281 Fresh milk and cream.................. 134 137 98 126 140 153 165 124 Other dairy products.................. 168 171 101 138 161 198 255 158 Fruits and vegetables.................. 428 435 285 373 424 457 637 404 Fresh fruits.......................... 127 129 84 107 127 132 196 121 Fresh vegetables...................... 127 128 83 108 123 131 194 122 Processed fruits...................... 100 103 66 90 101 111 146 91 Processed vegetables.................. 74 76 52 68 74 83 101 70 Other food at home..................... 814 837 461 671 809 999 1243 730 Sugar and other sweets................ 102 106 61 96 99 128 148 88 Fats and oils......................... 72 74 44 68 79 84 93 67 Miscellaneous foods................... 384 393 209 298 377 481 601 351 Nonalcoholic beverages................ 213 219 134 180 219 254 308 189 Food prep. by cu, out-of-town trips... 43 44 13 29 34 52 93 34 Food away from home..................... 1631 1674 612 1030 1464 2092 3168 1467 Alcoholic beverages...................... 301 321 123 226 325 335 596 227 Housing.................................. 9477 9528 4760 6601 8276 10844 17135 9256 Shelter................................. 5411 5432 2703 3620 4603 6153 10064 5280 Owned dwellings........................ 3310 3307 821 1475 2263 3973 7990 3330 Mortgage interest and charges......... 1968 1984 310 614 1128 2545 5314 1862 Property taxes........................ 782 761 266 445 579 835 1676 917 Maintenance, rep., ins., oth. exp..... 560 562 244 416 556 592 1000 551 Rented dwellings....................... 1761 1787 1796 2019 2119 1840 1163 1595 Other lodging.......................... 340 337 86 126 221 341 911 355 Utilities, fuels, and public services... 1984 1962 1304 1640 1901 2175 2790 2120 Natural gas............................ 252 247 178 206 232 263 356 287 Electricity............................ 787 771 499 643 748 872 1089 888 Fuel oil and other fuels............... 92 94 74 82 86 98 129 81 Telephone.............................. 623 620 424 533 621 677 844 639 Water and other public services........ 230 231 129 175 214 265 372 224 Household operations.................... 487 487 181 288 316 521 1127 485 Personal services...................... 242 253 82 149 153 324 556 174 Other household expenses............... 245 234 99 139 163 197 572 311 Housekeeping supplies................... 433 463 208 360 422 549 774 325 Laundry and cleaning supplies.......... 118 124 68 88 118 156 189 98 Other household products............... 195 212 80 195 178 242 363 135 Postage and stationery................. 119 127 59 77 126 151 221 92 Household furnishings and equipment..... 1162 1184 365 692 1035 1446 2380 1047 Household textiles..................... 92 95 32 57 75 118 191 80 Furniture.............................. 316 316 90 162 267 365 696 316 Floor coverings........................ 71 61 21 31 51 97 105 110 Major appliances....................... 141 145 56 115 145 165 244 116 Small appliances, misc. housewares..... 84 86 26 59 62 104 182 73 Miscellaneous household equipment...... 458 481 140 268 435 598 963 353 Apparel and services..................... 1710 1733 692 988 1533 2019 3427 1641 Men and boys............................ 450 437 141 232 363 573 875 502 Men, 16 and over....................... 369 353 127 179 281 460 717 433 Boys, 2 to 15.......................... 80 84 14 53 81 113 157 69 Women and girls......................... 680 703 324 346 616 789 1441 597 Women, 16 and over..................... 586 607 293 296 540 657 1248 509 Girls, 2 to 15......................... 94 96 30 50 76 132 193 88 Children under 2........................ 78 80 35 57 87 101 122 67 Footwear................................ 231 243 90 207 247 272 399 187 Other apparel products and services..... 272 269 103 146 221 284 591 287 Transportation........................... 5228 5232 1769 3092 4927 6527 9829 5223 Vehicle purchases (net outlay).......... 2189 2167 634 1142 2031 2752 4269 2326 Cars and trucks, new................... 1131 1096 180 386 691 1512 2706 1353 Cars and trucks, used.................. 1022 1033 446 752 1306 1191 1469 950 Other vehicles......................... 36 38 8 3 34 50 94 23 Gasoline and motor oil.................. 973 973 454 705 974 1218 1510 977 Other vehicle expenses.................. 1776 1806 577 1096 1686 2256 3407 1607 Vehicle finance charges................ 256 259 41 137 228 391 497 239 Maintenance and repairs................ 612 628 242 423 605 782 1084 532 Vehicle insurance...................... 629 639 227 406 624 785 1151 567 Veh. rent., leas., licen., oth. chges.. 279 280 68 130 230 298 675 269 Public transportation................... 290 287 104 149 237 300 643 314 Health care.............................. 1634 1654 964 1507 1655 1883 2257 1517 Health insurance........................ 725 728 435 711 790 833 868 712 Medical services........................ 533 546 276 383 469 675 926 451 Drugs................................... 278 285 216 319 313 267 310 252 Medical supplies........................ 97 95 37 94 82 107 154 102 Entertainment............................ 1500 1526 525 790 1263 1925 3120 1341 Fees and admissions..................... 379 375 106 131 256 440 940 405 Television, radios, sound equipment..... 492 494 226 324 475 575 869 464 Pets, toys, and playground equipment.... 274 281 100 165 262 355 525 239 Other supplies, equip., and services.... 355 375 94 169 270 555 786 233 Personal care products and services...... 387 408 183 300 390 458 710 309 Reading.................................. 162 166 66 111 147 194 309 136 Education................................ 426 424 334 224 187 412 960 440 Tobacco products and smoking supplies.... 275 279 209 260 296 325 303 252 Miscellaneous............................ 765 795 291 485 680 1066 1449 595 Cash contributions....................... 958 1021 172 524 744 1062 2599 561 Personal insurance and pensions.......... 2750 3083 289 836 2064 3937 8275 633 Life and other personal insurance....... 353 354 106 145 287 423 808 343 Pensions and Social Security............ 2397 2729 183 692 1776 3513 7467 289 Money income before taxes 1/.............. 33854 33854 5981 14606 25108 40284 83131 0 Wages and salaries....................... 25064 25064 1701 6974 17179 32734 66598 0 Self-employment income................... 2490 2490 -111 473 1069 1903 9096 0 Soc. Sec., priv. and gov. retirement..... 3887 3887 2740 5130 4947 3243 3374 0 Int., divid., rent. inc., property inc... 1130 1130 99 502 816 1266 2960 0 Unemp. and workers' compen., vet. ben.... 341 341 154 271 458 475 344 0 Pub. ass., supp. sec. inc., foodstamps... 471 471 1084 775 254 159 86 0 Regular contributions for support........ 336 336 215 344 252 388 479 0 Other income............................. 136 136 98 136 134 117 194 0 Personal taxes 1/......................... 3068 3068 140 491 1709 3327 9652 0 Federal income taxes..................... 2286 2286 69 302 1236 2428 7380 0 State and local income taxes............. 624 624 21 99 349 726 1923 0 Other taxes.............................. 157 157 49 89 124 174 349 0 Income after taxes 1/..................... 30786 30786 5841 14115 23399 36957 73479 0 Net change in total assets and liabilities -1529 -1767 -139 -1971 -306 -3861 -2555 -15 Net change in total assets............... 3045 2984 303 -1220 1762 2095 11957 3429 Net change in total liabilities.......... 4574 4752 442 752 2069 5956 14512 3444 Other money receipts...................... 400 426 95 307 326 311 1089 232 Mortgage principal paid, owned property... -844 -856 -132 -264 -417 -827 -2634 -770 Estimated market value of owned home...... 66530 64794 25125 40795 49135 70279 138402 77536 Est. monthly rental value of owned home... 416 410 170 271 325 469 816 452 Gifts of goods and services............... 968 978 354 534 870 1036 2093 969 Food.................................... 76 77 20 33 39 83 209 82 Housing................................. 276 273 111 151 232 287 585 299 Housekeeping supplies................. 39 41 13 26 39 55 71 32 Household textiles.................... 13 12 3 6 15 11 24 18 Appliances and misc. housewares....... 31 29 5 23 26 33 58 42 Major appliances.................... 7 6 1 3 8 6 13 12 Small appl. and misc. housewares.... 24 23 4 21 17 26 45 30 Miscellaneous household equipment..... 70 72 20 40 71 86 141 60 Other housing......................... 123 120 70 55 80 101 292 146 Apparel and services.................... 254 269 104 173 296 320 450 204 Males 2 and over...................... 78 84 26 46 89 126 130 58 Females 2 and over.................... 87 93 40 60 112 89 164 68 Children under 2...................... 37 38 13 25 38 51 61 33 Other apparel products and services... 53 55 25 42 56 54 95 46 Jewelry and watches................. 29 29 12 18 26 24 64 30 All other apparel products and serv. 24 26 13 24 30 30 31 16 Transportation.......................... 51 52 10 18 90 38 104 44 Health care............................. 24 24 20 14 12 40 36 23 Entertainment........................... 73 74 20 62 68 76 146 68 Toys, games, hobbies, and tricycles... 28 28 10 21 28 34 49 28 Other entertainment................... 45 46 11 40 41 42 96 40 Education............................... 107 99 13 12 43 77 351 153 All other gifts......................... 106 109 56 71 90 114 211 95 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary