Table 1. By QUINTILES OF INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1994 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)... 102,210 85,994 17,149 17,217 17,188 17,200 17,240 16,216 Lower limit............................... 0 0 0 $11,000 $21,097 $33,944 $54,096 0 Income before taxes 1/.................... $36,181 $36,181 $5,937 $15,787 $27,305 $43,080 $88,598 0 Income after taxes 1/..................... 33,098 33,098 5,707 15,221 25,326 39,461 79,599 0 Age of reference person................... 47.6 47.7 51.7 51.2 45.2 44.7 45.7 47.4 Average number in consumer unit:.......... Persons.................................. 2.5 2.5 1.8 2.3 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 0.3 0.2 0.1 0.3 Earners.................................. 1.3 1.3 0.6 0.9 1.3 1.7 2.0 1.3 Vehicles................................. 1.9 2.0 0.9 1.5 2.0 2.5 2.8 1.8 Percent distribution: Male..................................... 62 63 39 55 64 75 81 62 Female................................... 38 37 61 45 36 25 19 38 Percent homeowner........................ 63 63 40 53 60 74 87 65 With mortgage........................... 37 37 11 17 34 52 70 36 Without mortgage........................ 26 26 30 36 25 22 17 30 Renter................................... 37 37 60 47 40 26 13 35 Black.................................... 11 11 18 13 10 8 5 15 White and other.......................... 89 89 82 87 90 92 95 85 Elementary (1-8)......................... 8 9 19 12 6 4 1 8 High school (9-12)....................... 43 43 47 52 48 40 26 47 College.................................. 48 48 33 35 46 57 73 45 Never attended and other................. 0 0 1 0 0 0 0 1 At least one vehicle owned............... 86 87 62 84 94 96 97 83 Average annual expenditures............... $31,731 $32,740 $14,356 $20,891 $28,513 $39,033 $60,803 $26,857 Food..................................... 4,411 4,527 2,472 3,394 4,078 5,337 7,347 3,987 Food at home............................ 2,712 2,764 1,821 2,358 2,654 3,141 3,844 2,526 Cereals and bakery products............ 429 439 270 390 398 509 630 391 Cereals and cereal products........... 162 167 109 153 151 193 229 144 Bakery products....................... 267 272 161 236 248 316 401 248 Meats, poultry, fish, and eggs......... 732 729 539 653 729 802 922 745 Beef.................................. 227 227 157 207 221 263 285 227 Pork.................................. 156 155 133 142 166 157 175 159 Other meats........................... 94 94 62 89 100 103 118 93 Poultry............................... 137 135 103 114 129 151 180 141 Fish and seafood...................... 89 87 57 68 83 96 131 97 Eggs.................................. 30 31 27 33 30 32 32 28 Dairy products......................... 289 298 210 252 277 332 417 258 Fresh milk and cream.................. 127 132 102 117 131 148 163 110 Other dairy products.................. 162 166 108 136 146 185 254 148 Fruits and vegetables.................. 437 446 298 372 420 495 646 403 Fresh fruits.......................... 133 135 95 110 123 146 202 126 Fresh vegetables...................... 135 139 93 115 131 156 199 121 Processed fruits...................... 93 95 62 81 89 104 141 85 Processed vegetables.................. 76 77 48 65 77 89 104 72 Other food at home..................... 825 852 505 691 829 1,004 1,230 728 Sugar and other sweets................ 105 111 71 94 105 128 154 86 Fats and oils......................... 79 81 62 72 79 89 102 74 Miscellaneous foods................... 362 370 203 298 352 444 551 333 Nonalcoholic beverages................ 233 242 154 201 246 281 327 202 Food prep. by cu, out-of-town trips... 46 49 14 26 47 62 95 33 Food away from home..................... 1,698 1,763 650 1,036 1,424 2,195 3,503 1,462 Alcoholic beverages...................... 278 297 136 179 317 355 496 211 Housing.................................. 10,106 10,189 5,303 6,998 8,909 11,558 18,150 9,765 Shelter................................. 5,686 5,696 2,898 3,854 5,001 6,434 10,274 5,635 Owned dwellings........................ 3,492 3,464 1,017 1,576 2,479 4,237 7,994 3,638 Mortgage interest and charges......... 1,919 1,925 317 567 1,215 2,507 5,008 1,884 Property taxes........................ 922 879 327 539 722 999 1,806 1,145 Maintenance, rep., ins., oth. exp..... 651 659 372 470 542 730 1,180 609 Rented dwellings....................... 1,799 1,829 1,748 2,071 2,242 1,829 1,254 1,645 Other lodging.......................... 395 403 133 207 280 369 1,026 352 Utilities, fuels, and public services... 2,189 2,170 1,452 1,864 2,078 2,415 3,038 2,285 Natural gas............................ 283 280 191 255 266 292 397 297 Electricity............................ 861 846 576 722 822 956 1,154 943 Fuel oil and other fuels............... 98 98 77 89 88 112 124 97 Telephone.............................. 690 689 455 591 672 761 963 697 Water and other public services........ 257 257 153 207 230 295 401 252 Household operations.................... 490 500 195 272 377 513 1,139 431 Personal services...................... 230 241 69 106 209 303 516 172 Other household expenses............... 260 259 126 166 169 210 623 259 Housekeeping supplies................... 393 424 234 300 376 526 685 285 Laundry and cleaning supplies.......... 109 118 74 97 107 141 170 80 Other household products............... 174 188 104 110 164 239 322 126 Postage and stationery................. 110 119 56 93 105 146 193 80 Household furnishings and equipment..... 1,348 1,399 525 708 1,076 1,669 3,013 1,128 Household textiles..................... 100 106 70 39 103 108 211 75 Furniture.............................. 318 324 120 195 302 353 647 290 Floor coverings........................ 120 132 33 19 74 116 416 79 Major appliances....................... 149 152 89 109 133 192 238 131 Small appliances, misc. housewares..... 81 86 34 47 71 113 164 58 Miscellaneous household equipment...... 581 600 179 299 395 787 1,336 493 Apparel and services..................... 1,644 1,688 688 993 1,486 1,907 3,362 1,465 Men and boys............................ 395 419 147 233 389 522 801 307 Men, 16 and over....................... 305 321 105 169 311 404 615 245 Boys, 2 to 15.......................... 90 98 42 64 78 118 187 62 Women and girls......................... 652 654 263 373 555 687 1,389 644 Women, 16 and over..................... 552 552 218 310 468 555 1,208 548 Girls, 2 to 15......................... 100 101 44 63 87 132 181 95 Children under 2........................ 80 83 42 49 83 96 147 66 Footwear................................ 254 258 131 179 241 309 432 237 Other apparel products and services..... 264 274 105 159 218 294 592 211 Transportation........................... 6,044 6,076 2,083 3,907 5,636 8,042 10,688 5,879 Vehicle purchases (net outlay).......... 2,725 2,703 741 1,693 2,582 3,958 4,533 2,839 Cars and trucks, new................... 1,391 1,333 262 692 1,164 1,905 2,637 1,694 Cars and trucks, used.................. 1,290 1,321 471 986 1,396 1,950 1,799 1,126 Other vehicles......................... 44 49 7 15 22 103 97 19 Gasoline and motor oil.................. 986 990 490 711 1,004 1,253 1,489 964 Other vehicle expenses.................. 1,953 1,989 698 1,223 1,801 2,462 3,755 1,760 Vehicle finance charges................ 235 238 52 111 232 368 428 218 Maintenance and repairs................ 680 701 267 485 650 875 1,226 571 Vehicle insurance...................... 690 698 280 464 677 880 1,186 645 Veh. rent., leas., licen., oth. chges.. 347 352 99 163 242 338 915 326 Public transportation................... 381 393 154 281 250 370 911 315 Health care.............................. 1,755 1,768 1,132 1,612 1,649 2,001 2,442 1,702 Health insurance........................ 815 818 566 825 772 893 1,035 796 Medical services........................ 571 567 277 413 505 708 932 591 Drugs................................... 286 294 248 308 293 290 332 255 Medical supplies........................ 83 88 40 67 79 111 143 59 Entertainment............................ 1,567 1,619 652 884 1,393 1,873 3,289 1,309 Fees and admissions..................... 439 451 163 212 286 480 1,112 375 Television, radios, sound equipment..... 533 545 287 366 512 667 892 470 Pets, toys, and playground equipment.... 289 306 117 183 282 388 559 216 Other supplies, equip., and services.... 306 317 85 122 313 338 726 248 Personal care products and services...... 397 415 203 288 373 521 689 333 Reading.................................. 165 171 72 118 145 209 313 130 Education................................ 460 469 377 257 263 396 1,053 414 Tobacco products and smoking supplies.... 259 262 180 246 291 324 268 242 Miscellaneous............................ 749 811 446 579 721 970 1,336 439 Cash contributions....................... 960 1,067 276 434 902 1,259 2,458 396 Personal insurance and pensions.......... 2,938 3,381 336 1,004 2,350 4,282 8,912 586 Life and other personal insurance....... 398 413 122 238 320 452 933 314 Pensions and Social Security............ 2,540 2,968 214 766 2,030 3,830 7,979 272 Money income before taxes 1/.............. 36,181 36,181 5,937 15,787 27,305 43,080 88,598 0 Wages and salaries....................... 27,795 27,795 2,023 7,778 19,929 35,282 73,794 0 Self-employment income................... 1,870 1,870 (887) 491 913 1,964 6,851 0 Soc. Sec., priv. and gov. retirement..... 4,200 4,200 3,167 5,592 4,555 3,927 3,759 0 Int., divid., rent. inc., property inc... 1,087 1,087 97 383 616 1,007 3,325 0 Unemp. and workers' compen., vet. ben.... 316 316 81 375 440 360 324 0 Pub. ass., supp. sec. inc., foodstamps... 483 483 1,157 794 302 80 84 0 Regular contributions for support........ 287 287 199 249 378 317 290 0 Other income............................. 142 142 99 126 172 143 170 0 Personal taxes 1/......................... 3,083 3,083 230 566 1,979 3,619 8,999 0 Federal income taxes..................... 2,288 2,288 137 329 1,407 2,635 6,916 0 State and local income taxes............. 629 629 40 141 412 781 1,764 0 Other taxes.............................. 166 166 53 96 160 204 319 0 Income after taxes 1/..................... 33,098 33,098 5,707 15,221 25,326 39,461 79,599 0 Net change in total assets and liabilities (562) (835) (223) (4) 225 (2,969) (1,202) 888 Net change in total assets............... 3,960 3,975 642 1,226 3,386 4,776 9,820 3,885 Net change in total liabilities.......... 4,522 4,810 865 1,230 3,161 7,745 11,023 2,997 Other money receipts...................... 567 658 398 169 696 654 1,372 84 Mortgage principal paid, owned property... (1,107) (1,038) (193) (326) (568) (1,174) (2,921) (1,477) Estimated market value of owned home...... 68,759 68,552 29,320 43,826 50,009 74,179 145,141 69,857 Est. monthly rental value of owned home... 473 470 220 312 378 537 901 488 Gifts of goods and services............... 1,008 1,036 498 635 780 1,105 2,159 889 Food.................................... 84 86 28 33 49 107 210 82 Housing................................. 262 270 161 136 201 304 545 236 Housekeeping supplies................. 38 42 18 25 37 57 72 23 Household textiles.................... 16 17 29 3 13 10 30 11 Appliances and misc. housewares....... 26 26 10 12 20 31 58 25 Major appliances.................... 5 6 2 5 4 7 11 3 Small appl. and misc. housewares.... 21 20 8 8 16 24 47 22 Miscellaneous household equipment..... 65 69 23 35 53 66 165 52 Other housing......................... 117 116 80 61 77 139 220 124 Apparel and services.................... 246 251 95 170 243 296 452 225 Males 2 and over...................... 64 68 36 58 64 80 103 48 Females 2 and over.................... 94 93 26 54 94 104 186 98 Children under 2...................... 35 37 13 25 33 40 72 28 Other apparel products and services... 53 53 19 32 53 72 91 52 Jewelry and watches................. 26 26 5 11 28 33 56 23 All other apparel products and serv. 27 27 15 22 25 39 35 28 Transportation.......................... 56 55 16 25 66 63 107 61 Health care............................. 35 34 29 46 15 15 63 40 Entertainment........................... 84 87 52 56 63 102 160 69 Toys, games, hobbies, and tricycles... 32 34 11 26 26 46 61 25 Other entertainment................... 51 53 41 30 37 56 99 43 Education............................... 114 116 28 65 44 66 375 106 All other gifts......................... 127 138 88 102 98 153 248 72 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.