Table 7. By HOUSING TENURE, TYPE OF AREA, RACE OF REFERENCE PERSON, AND HISPANIC ORIGIN OF REFERENCE PERSON: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995 All Housing ten Type of a Race of Hispanic origin Item consumer reference person units Homeowner Renter Urban Rural White and Black Hispanic Non- other Hispanic ___________________________________________________________________________________ Number of consumer units (in thousands)... 103,123 66,053 37,070 88,629 14,495 91,447 11,676 8,000 95,123 Income before taxes 1/.................... $36,918 $44,365 $23,773 $38,001 $29,975 $38,256 $25,781 $27,203 $37,791 Income after taxes 1/..................... 33,864 40,562 22,043 34,870 27,417 35,014 24,297 25,561 34,610 Age of reference person................... 48.0 52.3 40.3 47.6 50.1 48.2 46.0 40.8 48.6 Average number in consumer unit:.......... Persons.................................. 2.5 2.7 2.3 2.5 2.6 2.5 2.8 3.4 2.5 Children under 18........................ 0.7 0.7 0.7 0.7 0.7 0.6 1.0 1.3 0.6 Persons 65 and over...................... 0.3 0.4 0.2 0.3 0.4 0.3 0.2 0.2 0.3 Earners.................................. 1.3 1.5 1.1 1.3 1.3 1.4 1.2 1.5 1.3 Vehicles................................. 1.9 2.3 1.2 1.8 2.5 2.0 1.2 1.6 2.0 Percent distribution: Male..................................... 62 68 52 61 71 65 45 64 62 Female................................... 38 32 48 39 29 35 55 36 38 Percent homeowner........................ 64 100 0 61 80 67 44 41 66 With mortgage........................... 38 59 0 38 34 39 26 27 39 Without mortgage........................ 26 41 0 23 45 27 18 14 27 Renter................................... 36 0 100 39 20 33 56 59 34 Black.................................... 11 8 18 12 5 0 100 3 12 White and other.......................... 89 92 82 88 95 100 0 97 88 Elementary (1-8)......................... 9 8 9 8 14 8 11 24 7 High school (9-12)....................... 44 43 46 43 51 43 54 45 44 College.................................. 47 49 44 49 34 49 35 29 49 Never attended and other................. 0 0 0 0 0 0 0 2 0 At least one vehicle owned............... 86 93 72 85 92 88 68 78 86 Average annual expenditures............... $32,264 $37,598 $22,730 $33,101 $27,160 $33,373 $23,739 $26,744 $32,729 Food..................................... 4,505 5,070 3,485 4,589 3,997 4,650 3,446 4,677 4,490 Food at home............................ 2,803 3,142 2,190 2,822 2,688 2,853 2,442 3,370 2,753 Cereals and bakery products............ 441 500 335 443 430 451 371 454 440 Cereals and cereal products........... 165 182 135 166 159 166 163 203 162 Bakery products....................... 276 317 201 277 271 285 208 251 278 Meats, poultry, fish, and eggs......... 752 823 624 759 711 737 866 1,097 722 Beef.................................. 228 255 178 226 239 228 221 331 218 Pork.................................. 156 167 136 156 153 149 207 229 150 Other meats........................... 104 114 84 103 106 103 107 121 102 Poultry............................... 138 148 119 142 113 133 172 205 132 Fish and seafood...................... 97 106 81 101 75 94 120 148 93 Eggs.................................. 30 32 27 31 25 29 39 62 27 Dairy products......................... 297 333 230 298 290 309 209 347 292 Fresh milk and cream.................. 123 134 102 123 124 127 92 179 118 Other dairy products.................. 174 199 127 175 166 181 117 168 174 Fruits and vegetables.................. 457 515 351 464 410 466 388 593 445 Fresh fruits.......................... 144 165 107 148 122 148 117 202 139 Fresh vegetables...................... 137 154 106 141 114 141 108 185 133 Processed fruits...................... 96 106 76 97 86 96 94 117 94 Processed vegetables.................. 80 89 62 78 87 81 69 89 79 Other food at home..................... 856 971 649 858 846 890 609 879 854 Sugar and other sweets................ 112 130 79 113 109 115 88 96 114 Fats and oils......................... 82 91 67 81 91 83 76 113 80 Miscellaneous foods................... 377 428 283 377 375 395 247 386 376 Nonalcoholic beverages................ 240 265 195 242 233 248 184 258 239 Food prep. by cu, out-of-town trips... 45 56 25 46 39 49 15 27 47 Food away from home..................... 1,702 1,928 1,295 1,767 1,310 1,797 1,004 1,308 1,736 Alcoholic beverages...................... 277 292 252 291 195 294 157 197 284 Housing.................................. 10,458 11,868 7,938 10,994 7,183 10,760 8,143 9,212 10,564 Shelter................................. 5,928 6,371 5,139 6,346 3,374 6,110 4,500 5,566 5,959 Owned dwellings........................ 3,749 5,821 57 3,963 2,441 3,983 1,919 2,352 3,866 Mortgage interest and charges......... 2,104 3,264 36 2,268 1,098 2,233 1,095 1,520 2,153 Property taxes........................ 930 1,443 16 975 659 995 424 466 969 Maintenance, rep., ins., oth. exp..... 715 1,113 5 720 684 755 399 367 744 Rented dwellings....................... 1,788 30 4,921 1,973 660 1,706 2,434 3,100 1,678 Other lodging.......................... 391 521 161 410 274 422 147 113 415 Utilities, fuels, and public services... 2,191 2,577 1,503 2,198 2,147 2,188 2,209 1,957 2,210 Natural gas............................ 268 327 164 295 102 262 315 223 272 Electricity............................ 869 1,035 573 844 1,021 873 842 693 884 Fuel oil and other fuels............... 86 120 26 70 182 91 48 19 92 Telephone.............................. 708 744 644 720 633 698 782 796 700 Water and other public services........ 259 351 96 267 210 264 222 225 262 Household operations.................... 509 626 299 541 309 533 318 317 525 Personal services...................... 258 292 198 272 173 262 227 212 262 Other household expenses............... 250 334 101 269 135 271 92 104 263 Housekeeping supplies................... 430 529 249 440 368 454 255 387 433 Laundry and cleaning supplies.......... 110 128 78 111 105 111 102 160 106 Other household products............... 194 248 96 199 165 206 106 158 197 Postage and stationery................. 125 153 75 130 98 136 47 70 130 Household furnishings and equipment..... 1,401 1,764 749 1,470 985 1,474 860 986 1,437 Household textiles..................... 100 129 49 108 55 108 46 59 104 Furniture.............................. 327 382 227 342 231 328 318 274 331 Floor coverings........................ 177 257 33 198 50 197 34 122 182 Major appliances....................... 155 197 79 151 175 153 169 117 158 Small appliances, misc. housewares..... 85 102 55 86 82 91 41 50 88 Miscellaneous household equipment...... 557 697 305 584 392 598 252 363 573 Apparel and services..................... 1,704 1,864 1,415 1,797 1,140 1,695 1,766 1,719 1,702 Men and boys............................ 425 467 349 450 272 433 365 422 425 Men, 16 and over....................... 329 370 255 354 178 343 227 309 331 Boys, 2 to 15.......................... 96 97 93 96 94 90 138 113 94 Women and girls......................... 660 762 477 694 457 662 656 506 674 Women, 16 and over..................... 559 646 403 592 362 562 539 398 573 Girls, 2 to 15......................... 101 116 75 102 96 100 117 108 101 Children under 2........................ 81 82 78 85 55 79 92 158 74 Footwear................................ 278 281 274 294 182 261 405 334 273 Other apparel products and services..... 259 272 237 273 173 261 248 298 256 Transportation........................... 6,014 7,151 3,989 6,012 6,029 6,208 4,503 5,114 6,090 Vehicle purchases (net outlay).......... 2,638 3,130 1,763 2,586 2,958 2,712 2,066 2,470 2,653 Cars and trucks, new................... 1,198 1,504 652 1,207 1,142 1,232 931 868 1,225 Cars and trucks, used.................. 1,406 1,592 1,076 1,345 1,780 1,446 1,095 1,601 1,390 Other vehicles......................... 34 34 35 34 36 34 40 0 37 Gasoline and motor oil.................. 1,006 1,174 705 977 1,183 1,043 712 890 1,015 Other vehicle expenses.................. 2,015 2,430 1,274 2,061 1,736 2,088 1,453 1,436 2,064 Vehicle finance charges................ 260 310 172 247 342 262 245 173 268 Maintenance and repairs................ 653 776 434 667 565 672 507 477 668 Vehicle insurance...................... 712 847 472 723 647 739 503 527 728 Veh. rent., leas., licen., oth. chges.. 389 497 197 424 182 414 198 259 400 Public transportation................... 355 416 246 388 152 366 272 318 358 Health care.............................. 1,732 2,190 917 1,680 2,054 1,819 1,059 1,055 1,789 Health insurance........................ 860 1,087 456 825 1,077 897 574 477 893 Medical services........................ 512 655 256 509 525 547 235 394 521 Drugs................................... 280 349 157 265 369 290 206 139 292 Medical supplies........................ 80 99 47 80 83 85 44 45 83 Entertainment............................ 1,612 1,917 1,067 1,643 1,420 1,701 926 1,058 1,659 Fees and admissions..................... 433 545 233 459 269 469 146 231 450 Television, radios, sound equipment..... 542 591 454 563 415 546 512 459 549 Pets, toys, and playground equipment.... 322 399 184 314 371 349 119 173 335 Other supplies, equip., and services.... 315 382 197 307 364 337 148 195 325 Personal care products and services...... 403 450 320 417 323 408 370 369 406 Reading.................................. 162 196 103 168 131 174 74 74 170 Education................................ 471 560 313 500 296 499 256 292 487 Tobacco products and smoking supplies.... 269 261 282 255 353 281 176 142 279 Miscellaneous............................ 766 904 521 743 909 806 456 526 787 Cash contributions....................... 925 1,190 451 952 760 971 564 378 971 Personal insurance and pensions.......... 2,964 3,687 1,677 3,062 2,369 3,107 1,843 1,932 3,051 Life and other personal insurance....... 373 497 153 371 384 377 344 189 389 Pensions and Social Security............ 2,591 3,190 1,524 2,690 1,985 2,731 1,498 1,743 2,663 Money income before taxes 1/.............. 36,918 44,365 23,773 38,001 29,975 38,256 25,781 27,203 37,791 Wages and salaries....................... 28,474 33,820 19,037 29,504 21,870 29,409 20,692 22,582 29,003 Self-employment income................... 2,034 2,678 897 2,062 1,854 2,221 476 842 2,141 Soc. Sec., priv. and gov. retirement..... 4,355 5,846 1,722 4,312 4,629 4,552 2,712 1,446 4,616 Int., divid., rent. inc., property inc... 861 1,195 273 887 699 951 114 218 919 Unemp. and workers' compen., vet. ben.... 279 290 260 280 274 285 232 354 272 Pub. ass., supp. sec. inc., foodstamps... 462 176 968 492 272 370 1,233 1,313 386 Regular contributions for support........ 273 224 359 282 218 279 224 184 281 Other income............................. 180 136 257 183 160 190 98 264 173 Personal taxes 1/......................... 3,054 3,803 1,730 3,131 2,558 3,242 1,484 1,642 3,180 Federal income taxes..................... 2,235 2,758 1,311 2,313 1,734 2,374 1,075 1,208 2,327 State and local income taxes............. 640 780 395 638 655 675 352 364 665 Other taxes.............................. 179 266 24 180 170 193 57 69 188 Income after taxes 1/..................... 33,864 40,562 22,043 34,870 27,417 35,014 24,297 25,561 34,610 Net change in total assets and liabilities (969) (759) (1,343) (1,113) (91) (1,025) (531) (714) (990) Net change in total assets............... 3,102 5,096 (450) 3,257 2,158 3,274 1,761 2,759 3,131 Net change in total liabilities.......... 4,071 5,855 893 4,369 2,249 4,299 2,292 3,473 4,122 Other money receipts...................... 462 601 214 471 407 513 62 58 496 Mortgage principal paid, owned property... (1,063) (1,626) (59) (1,127) (668) (1,136) (485) (525) (1,108) Estimated market value of owned home...... 71,655 111,279 1,049 74,065 56,916 76,761 31,657 41,049 74,229 Est. monthly rental value of owned home... 496 770 7 510 408 525 265 297 512 Gifts of goods and services............... 986 1,192 617 1,031 712 1,040 577 493 1,028 Food.................................... 88 118 33 95 45 94 41 28 93 Housing................................. 250 284 188 259 192 266 132 88 264 Housekeeping supplies................. 38 45 24 40 27 39 28 18 39 Household textiles.................... 10 13 4 11 6 11 5 6 11 Appliances and misc. housewares....... 27 36 13 29 17 30 11 6 29 Major appliances.................... 5 6 2 5 4 5 5 1 5 Small appl. and misc. housewares.... 23 29 11 24 13 25 6 4 24 Miscellaneous household equipment..... 66 79 43 69 45 72 21 21 70 Other housing......................... 108 111 104 110 97 114 66 39 114 Apparel and services.................... 258 297 189 279 131 263 221 246 259 Males 2 and over...................... 70 82 47 74 43 73 49 41 72 Females 2 and over.................... 94 110 64 103 39 96 73 86 94 Children under 2...................... 40 46 28 41 32 40 39 76 36 Other apparel products and services... 55 59 50 62 17 54 60 42 56 Jewelry and watches................. 27 30 20 30 7 29 6 8 28 All other apparel products and serv. 29 28 30 32 11 25 54 34 28 Transportation.......................... 48 60 26 48 50 52 18 23 50 Health care............................. 22 26 16 19 40 24 11 3 24 Entertainment........................... 86 102 58 89 68 94 29 37 91 Toys, games, hobbies, and tricycles... 29 36 18 30 25 31 13 22 30 Other entertainment................... 57 66 40 60 42 62 17 15 61 Education............................... 120 175 23 125 89 129 52 15 129 All other gifts......................... 114 131 84 117 97 119 73 52 119 __________________________________________ 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. 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.