Table 7. Housing tenure, type of area, race of reference person, and Hispanic origin of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997 _____________________________________________________________________________________________________________________________ | | | | | | | Housing tenure | Type of area | Race of reference | Hispanic origin of | All | | | person | reference person Item | consumer|___________________|___________________|___________________|___________________ | units | | | | | | | | | |Homeowner| Renter | Urban | Rural |White and| Black | Hispanic|Non-Hisp- | | | | | | other | | | anic ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | | Number of consumer units (in | | | | | | | | | thousands)......................| 105,576 | 67,249 | 38,327 | 92,216 | 13,360 | 93,004 | 12,572 | 8,905 | 96,670 Income before taxes(1).............| $39,926 | $47,898 | $26,031 | $41,072 | $32,299 | $41,382 | $28,678 | $29,976 | $40,907 Income after taxes(1)..............| 36,684 | 43,863 | 24,173 | 37,700 | 29,926 | 37,921 | 27,130 | 28,048 | 37,536 Age of reference person............| 47.7 | 52.2 | 39.9 | 47.4 | 50.2 | 48.1 | 45.0 | 42.0 | 48.3 Average number in consumer unit: | | | | | | | | | Persons...........................| 2.5 | 2.7 | 2.2 | 2.5 | 2.6 | 2.5 | 2.8 | 3.4 | 2.4 Children under 18.................| .7 | .7 | .7 | .7 | .6 | .7 | 1.0 | 1.3 | .6 Persons 65 and over...............| .3 | .4 | .1 | .3 | .3 | .3 | .2 | .2 | .3 Earners...........................| 1.3 | 1.4 | 1.2 | 1.3 | 1.4 | 1.4 | 1.2 | 1.6 | 1.3 Vehicles..........................| 2.0 | 2.4 | 1.2 | 1.9 | 2.5 | 2.1 | 1.2 | 1.7 | 2.0 Percent distribution: | | | | | | | | | Male..............................| 59 | 64 | 49 | 59 | 61 | 61 | 40 | 61 | 59 Female............................| 41 | 36 | 51 | 41 | 39 | 39 | 60 | 39 | 41 Percent homeowner.................| 64 | 100 | n.a. | 61 | 79 | 66 | 44 | 47 | 65 With mortgage....................| 38 | 60 | n.a. | 38 | 38 | 39 | 30 | 31 | 39 Without mortgage.................| 26 | 40 | n.a. | 23 | 42 | 27 | 14 | 16 | 27 Renter............................| 36 | n.a. | 100 | 39 | 21 | 34 | 56 | 53 | 35 Black.............................| 12 | 8 | 18 | 13 | 5 | n.a. | 100 | 4 | 13 White and other...................| 88 | 92 | 82 | 87 | 95 | 100 | n.a. | 96 | 87 Elementary (1-8)..................| 7 | 7 | 8 | 7 | 11 | 7 | 8 | 23 | 6 High school (9-12)................| 39 | 39 | 40 | 38 | 50 | 38 | 50 | 44 | 39 College...........................| 53 | 54 | 52 | 55 | 39 | 55 | 41 | 32 | 55 Never attended and other..........| (2)| (2)| (2)| (2)| (2)| (2)| (2)| 1 | (2) At least one vehicle owned or | | | | | | | | | leased.........................| 87 | 95 | 73 | 86 | 93 | 89 | 71 | 80 | 88 Average annual expenditures........| 34,819 | 40,480 | 24,866 | 35,614 | 29,353 | 36,076 | 25,509 | 29,333 | 35,325 Food..............................| 4,801 | 5,432 | 3,684 | 4,897 | 4,150 | 4,967 | 3,571 | 4,869 | 4,796 Food at home.....................| 2,880 | 3,219 | 2,280 | 2,905 | 2,707 | 2,929 | 2,515 | 3,363 | 2,839 Cereals and bakery products.....| 453 | 510 | 352 | 459 | 413 | 463 | 376 | 468 | 452 Cereals and cereal products....| 161 | 176 | 136 | 162 | 154 | 163 | 148 | 190 | 159 Bakery products................| 292 | 335 | 215 | 296 | 259 | 300 | 228 | 279 | 293 Meats, poultry, fish, and eggs..| 743 | 818 | 611 | 752 | 684 | 727 | 861 | 1,057 | 716 Beef...........................| 224 | 246 | 185 | 226 | 205 | 221 | 244 | 326 | 215 Pork...........................| 157 | 171 | 133 | 154 | 178 | 152 | 194 | 225 | 151 Other meats....................| 96 | 107 | 78 | 96 | 97 | 96 | 97 | 114 | 95 Poultry........................| 145 | 158 | 122 | 149 | 121 | 140 | 185 | 189 | 141 Fish and seafood...............| 89 | 102 | 65 | 94 | 51 | 86 | 106 | 144 | 84 Eggs...........................| 33 | 35 | 29 | 33 | 32 | 32 | 35 | 58 | 30 Dairy products..................| 314 | 352 | 246 | 316 | 301 | 328 | 210 | 346 | 311 Fresh milk and cream...........| 128 | 141 | 105 | 127 | 138 | 134 | 87 | 169 | 125 Other dairy products...........| 186 | 211 | 141 | 189 | 163 | 194 | 123 | 178 | 186 Fruits and vegetables...........| 476 | 526 | 386 | 486 | 407 | 485 | 402 | 607 | 464 Fresh fruits...................| 150 | 166 | 122 | 155 | 118 | 156 | 113 | 199 | 146 Fresh vegetables...............| 143 | 154 | 123 | 146 | 120 | 148 | 107 | 208 | 137 Processed fruits...............| 102 | 117 | 76 | 104 | 90 | 103 | 99 | 114 | 101 Processed vegetables...........| 80 | 89 | 65 | 80 | 79 | 80 | 84 | 87 | 80 Other food at home..............| 895 | 1,013 | 685 | 893 | 902 | 925 | 666 | 884 | 896 Sugar and other sweets.........| 114 | 132 | 82 | 114 | 119 | 117 | 93 | 103 | 115 Fats and oils..................| 81 | 91 | 64 | 80 | 90 | 81 | 80 | 92 | 80 Miscellaneous foods............| 403 | 453 | 315 | 407 | 376 | 420 | 278 | 388 | 404 Nonalcoholic beverages.........| 245 | 273 | 194 | 241 | 270 | 251 | 194 | 263 | 243 Food prepared by consumer unit | | | | | | | | | on out-of-town tr...........| 52 | 64 | 30 | 52 | 46 | 56 | 20 | 38 | 53 Food away from home..............| 1,921 | 2,214 | 1,404 | 1,992 | 1,442 | 2,038 | 1,056 | 1,506 | 1,958 Alcoholic beverages...............| 309 | 324 | 283 | 329 | 174 | 332 | 137 | 206 | 318 Housing...........................| 11,272 | 12,712 | 8,742 | 11,712 | 8,238 | 11,573 | 9,044 | 9,907 | 11,397 Shelter..........................| 6,344 | 6,726 | 5,673 | 6,716 | 3,778 | 6,512 | 5,098 | 5,797 | 6,394 Owned dwellings.................| 3,935 | 6,143 | 61 | 4,115 | 2,691 | 4,165 | 2,235 | 2,672 | 4,051 Mortgage interest and charges..| 2,225 | 3,474 | 34 | 2,348 | 1,379 | 2,341 | 1,369 | 1,750 | 2,269 Property taxes.................| 971 | 1,517 | 14 | 1,025 | 597 | 1,039 | 469 | 527 | 1,012 Maintenance, repairs, | | | | | | | | | insurance, other expenses...| 738 | 1,152 | 14 | 742 | 715 | 785 | 397 | 395 | 770 Rented dwellings................| 1,983 | 33 | 5,405 | 2,151 | 827 | 1,883 | 2,721 | 2,972 | 1,892 Other lodging...................| 426 | 550 | 207 | 450 | 260 | 464 | 143 | 153 | 451 Utilities, fuels, and public | | | | | | | | | services......................| 2,412 | 2,864 | 1,619 | 2,404 | 2,472 | 2,406 | 2,461 | 2,169 | 2,435 Natural gas.....................| 301 | 376 | 169 | 324 | 141 | 298 | 324 | 265 | 304 Electricity.....................| 909 | 1,093 | 585 | 882 | 1,090 | 909 | 909 | 761 | 922 Fuel oil and other fuels........| 108 | 151 | 31 | 86 | 261 | 117 | 41 | 55 | 113 Telephone services..............| 809 | 854 | 730 | 814 | 773 | 791 | 945 | 833 | 807 Water and other public services.| 286 | 390 | 104 | 297 | 207 | 292 | 241 | 256 | 289 Household operations.............| 548 | 686 | 308 | 586 | 287 | 571 | 379 | 322 | 569 Personal services...............| 263 | 307 | 186 | 282 | 135 | 266 | 245 | 202 | 269 Other household expenses........| 285 | 379 | 121 | 305 | 152 | 306 | 134 | 120 | 301 Housekeeping supplies............| 455 | 557 | 275 | 454 | 459 | 477 | 289 | 398 | 460 Laundry and cleaning supplies...| 116 | 132 | 88 | 115 | 121 | 117 | 108 | 147 | 113 Other household products........| 210 | 264 | 115 | 209 | 219 | 222 | 123 | 168 | 214 Postage and stationery..........| 129 | 161 | 72 | 130 | 119 | 138 | 58 | 82 | 133 Household furnishings and | | | | | | | | | equipment.....................| 1,512 | 1,879 | 867 | 1,552 | 1,243 | 1,606 | 818 | 1,220 | 1,539 Household textiles..............| 79 | 99 | 45 | 82 | 60 | 83 | 53 | 63 | 81 Furniture.......................| 387 | 468 | 246 | 400 | 299 | 402 | 277 | 368 | 389 Floor coverings.................| 78 | 101 | 38 | 81 | 53 | 83 | 37 | 26 | 82 Major appliances................| 169 | 215 | 89 | 168 | 177 | 178 | 105 | 144 | 172 Small appliances, miscellaneous | | | | | | | | | housewares...................| 92 | 107 | 65 | 94 | 80 | 100 | 30 | 73 | 94 Miscellaneous household | | | | | | | | | equipment....................| 707 | 890 | 385 | 727 | 573 | 760 | 316 | 547 | 722 Apparel and services..............| 1,729 | 1,991 | 1,266 | 1,772 | 1,435 | 1,742 | 1,631 | 1,958 | 1,709 Men and boys.....................| 407 | 464 | 306 | 413 | 363 | 417 | 332 | 490 | 400 Men, 16 and over................| 323 | 368 | 244 | 328 | 285 | 337 | 218 | 362 | 320 Boys, 2 to 15...................| 84 | 96 | 62 | 85 | 78 | 80 | 114 | 128 | 80 Women and girls..................| 680 | 804 | 462 | 693 | 594 | 698 | 550 | 668 | 681 Women, 16 and over..............| 574 | 677 | 393 | 586 | 493 | 590 | 459 | 528 | 578 Girls, 2 to 15..................| 106 | 127 | 69 | 107 | 101 | 108 | 91 | 139 | 103 Children under 2.................| 77 | 84 | 65 | 81 | 52 | 77 | 78 | 140 | 72 Footwear.........................| 315 | 354 | 244 | 315 | 310 | 309 | 357 | 417 | 306 Other apparel products and | | | | | | | | | services......................| 250 | 285 | 189 | 270 | 115 | 242 | 314 | 243 | 251 Transportation....................| 6,457 | 7,622 | 4,412 | 6,455 | 6,472 | 6,687 | 4,754 | 5,585 | 6,537 Vehicle purchases (net outlay)...| 2,736 | 3,253 | 1,829 | 2,691 | 3,042 | 2,830 | 2,036 | 2,367 | 2,770 Cars and trucks, new............| 1,229 | 1,634 | 517 | 1,260 | 1,012 | 1,299 | 712 | 772 | 1,271 Cars and trucks, used...........| 1,464 | 1,558 | 1,298 | 1,385 | 2,004 | 1,485 | 1,307 | 1,594 | 1,451 Other vehicles..................| 43 | 60 | 14 | 46 | (3)26 | 47 | (3)18 | (4)| 47 Gasoline and motor oil...........| 1,098 | 1,276 | 784 | 1,065 | 1,322 | 1,138 | 798 | 1,095 | 1,098 Other vehicle expenses...........| 2,230 | 2,649 | 1,497 | 2,273 | 1,939 | 2,310 | 1,640 | 1,785 | 2,271 Vehicle finance charges.........| 293 | 337 | 215 | 285 | 349 | 291 | 307 | 254 | 296 Maintenance and repairs.........| 682 | 813 | 450 | 683 | 671 | 712 | 454 | 548 | 694 Vehicle insurance...............| 755 | 895 | 509 | 765 | 686 | 776 | 596 | 675 | 762 Vehicle rental, leases, | | | | | | | | | licenses, other charges......| 501 | 603 | 322 | 540 | 233 | 531 | 282 | 308 | 519 Public transportation............| 393 | 444 | 303 | 426 | 168 | 408 | 280 | 339 | 398 Health care.......................| 1,841 | 2,289 | 1,054 | 1,819 | 1,988 | 1,950 | 1,035 | 1,167 | 1,903 Health insurance.................| 881 | 1,090 | 515 | 865 | 997 | 922 | 579 | 546 | 912 Medical services.................| 531 | 671 | 286 | 531 | 531 | 572 | 229 | 352 | 548 Drugs............................| 320 | 396 | 187 | 316 | 352 | 340 | 179 | 202 | 331 Medical supplies.................| 108 | 132 | 65 | 108 | 108 | 116 | 49 | 67 | 112 Entertainment.....................| 1,813 | 2,202 | 1,130 | 1,851 | 1,551 | 1,940 | 872 | 1,137 | 1,875 Fees and admissions..............| 471 | 587 | 267 | 496 | 296 | 509 | 191 | 237 | 492 Television, radios, sound | | | | | | | | | equipment.....................| 577 | 640 | 467 | 588 | 502 | 587 | 507 | 474 | 587 Pets, toys, and playground | | | | | | | | | equipment.....................| 327 | 402 | 194 | 323 | 347 | 357 | 98 | 228 | 335 Other entertainment supplies, | | | | | | | | | equipment and serv............| 439 | 573 | 202 | 444 | 405 | 488 | 76 | 198 | 461 Personal care products and | | | | | | | | | services.......................| 528 | 602 | 397 | 542 | 425 | 514 | 631 | 479 | 532 Reading...........................| 164 | 199 | 102 | 169 | 125 | 175 | 77 | 66 | 173 Education.........................| 571 | 582 | 550 | 616 | 257 | 612 | 269 | 456 | 581 Tobacco products and smoking | | | | | | | | | supplies.......................| 264 | 265 | 261 | 251 | 349 | 276 | 170 | 111 | 278 Miscellaneous.....................| 847 | 976 | 621 | 865 | 727 | 886 | 563 | 694 | 862 Cash contributions................| 1,001 | 1,284 | 504 | 1,032 | 789 | 1,046 | 669 | 398 | 1,056 Personal insurance and pensions...| 3,223 | 4,000 | 1,861 | 3,303 | 2,673 | 3,377 | 2,086 | 2,299 | 3,308 Life and other personal insurance| 379 | 510 | 148 | 378 | 381 | 386 | 321 | 205 | 395 Pensions and Social Security.....| 2,844 | 3,490 | 1,712 | 2,925 | 2,291 | 2,990 | 1,765 | 2,095 | 2,913 Money income before taxes.........| 39,926 | 47,898 | 26,031 | 41,072 | 32,299 | 41,382 | 28,678 | 29,976 | 40,907 Wages and salaries...............| 31,506 | 37,375 | 21,276 | 32,694 | 23,596 | 32,535 | 23,554 | 24,689 | 32,178 Self-employment income(1)........| 1,969 | 2,530 | 991 | 1,946 | 2,125 | 2,153 | 549 | 1,454 | 2,020 Social Security, private and | | | | | | | | | government retireme...........| 4,531 | 6,082 | 1,827 | 4,441 | 5,124 | 4,777 | 2,626 | 2,124 | 4,768 Interest, dividends, rental | | | | | | | | | income, other proper..........| 822 | 1,193 | 175 | 857 | 589 | 909 | 154 | 180 | 885 Unemployment and workers.........| 206 | 218 | 186 | 203 | 227 | 205 | 213 | 200 | 207 Public assistance, supplemental | | | | | | | | | security income,..............| 382 | 159 | 771 | 390 | 328 | 290 | 1,098 | 802 | 341 Regular contributions for support| 293 | 234 | 397 | 316 | 144 | 300 | 243 | 343 | 288 Other income.....................| 217 | 108 | 407 | 225 | 166 | 214 | 242 | 185 | 220 Personal taxes....................| 3,241 | 4,036 | 1,858 | 3,372 | 2,372 | 3,461 | 1,548 | 1,929 | 3,371 Federal income taxes.............| 2,468 | 3,063 | 1,431 | 2,584 | 1,697 | 2,645 | 1,101 | 1,525 | 2,561 State and local income taxes(1)..| 645 | 778 | 412 | 664 | 518 | 677 | 396 | 369 | 672 Other taxes......................| 129 | 195 | 14 | 125 | 157 | 139 | 51 | 34 | 138 Income after taxes................| 36,684 | 43,863 | 24,173 | 37,700 | 29,926 | 37,921 | 27,130 | 28,048 | 37,536 Net change in total assets and | | | | | | | | | liabilities....................| 1,105 | 2,283 | -963 | 1,127 | 947 | 1,063 | 1,414 | -144 | 1,220 Net change in total assets(1)....| 5,886 | 9,343 | -179 | 6,044 | 4,795 | 6,147 | 3,955 | 2,315 | 6,215 Net change in total liabilities..| 4,781 | 7,060 | 784 | 4,917 | 3,848 | 5,084 | 2,541 | 2,459 | 4,995 Other money receipts..............| 458 | 625 | 165 | 410 | 789 | 515 | 36 | 215 | 481 Mortgage principal paid on owned | | | | | | | | | property.......................| -1,051 | -1,626 | -42 | -1,079 | -860 | -1,119 | -550 | -671 | -1,086 Estimated market value of owned | | | | | | | | | home...........................| 76,480 | 119,495 | 1,006 | 78,117 | 65,181 | 81,777 | 37,295 | 48,742 | 79,035 Estimated monthly rental value of | | | | | | | | | owned home.....................| 538 | 839 | 9 | 555 | 418 | 568 | 310 | 348 | 555 Gifts of goods and services.......| 1,059 | 1,255 | 715 | 1,101 | 773 | 1,113 | 660 | 758 | 1,087 Food.............................| 68 | 86 | 35 | 72 | 40 | 73 | 25 | 59 | 69 Housing..........................| 273 | 292 | 240 | 275 | 259 | 290 | 149 | 180 | 282 Housekeeping supplies...........| 37 | 46 | 20 | 36 | 43 | 41 | 8 | 31 | 37 Household textiles..............| 8 | 11 | 4 | 9 | 7 | 9 | 3 | 4 | 9 Appliances and miscellaneous | | | | | | | | | housewares...................| 27 | 34 | 16 | 27 | 32 | 30 | 5 | 24 | 28 Major appliances...............| 6 | 8 | 3 | 6 | 8 | 7 | (3)2 | 11 | 6 Small appliances and | | | | | | | | | miscellaneous housewares....| 21 | 26 | 13 | 20 | 24 | 23 | 3 | 13 | 22 Miscellaneous household | | | | | | | | | equipment....................| 66 | 85 | 33 | 68 | 52 | 73 | 14 | 34 | 69 Other housing...................| 135 | 116 | 167 | 136 | 125 | 137 | 119 | 87 | 139 Apparel and services.............| 252 | 305 | 158 | 262 | 189 | 250 | 269 | 223 | 255 Males, 2 and over...............| 61 | 77 | 34 | 61 | 63 | 64 | 38 | 64 | 61 Females, 2 and over.............| 81 | 98 | 52 | 83 | 69 | 84 | 61 | 72 | 82 Children under 2................| 33 | 38 | 23 | 34 | 24 | 34 | 25 | 43 | 32 Other apparel products and | | | | | | | | | services.....................| 77 | 93 | 50 | 84 | 33 | 68 | 145 | 44 | 80 Jewelry and watches............| 49 | 63 | 23 | 54 | (3)11 | 40 | (3)112 | (3)16 | 51 All other apparel products and | | | | | | | | | services....................| 29 | 29 | 27 | 30 | 22 | 28 | 34 | 28 | 29 Transportation...................| 57 | 74 | 26 | 61 | 29 | 62 | 15 | 38 | 58 Health care......................| 30 | 42 | 10 | 33 | 15 | 33 | 8 | 17 | 32 Entertainment....................| 99 | 115 | 71 | 103 | 72 | 105 | 55 | 47 | 103 Toys, games, hobbies, and | | | | | | | | | tricycles....................| 41 | 49 | 28 | 42 | 34 | 44 | (3)20 | (3)17 | 43 Other entertainment.............| 58 | 66 | 44 | 61 | 38 | 61 | 35 | 31 | 60 Education........................| 155 | 200 | 77 | 166 | 82 | 171 | 38 | 118 | 159 All other gifts..................| 125 | 140 | 97 | 130 | 88 | 128 | 102 | 77 | 129 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.5. 3 Data are likely to have large sampling errors. 4 No data reported. n.a. Not applicable