Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998 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)...... 84,115 4,259 8,143 8,469 7,352 12,621 10,123 7,654 11,300 14,193 Income before taxes b/ ...................... $41,622 $1,888 $7,735 $12,375 $17,464 $24,648 $34,473 $44,289 $58,516 $108,257 Income after taxes b/ ....................... 38,358 1,738 7,636 12,155 16,951 23,596 32,393 40,890 53,802 97,419 Age of the reference person.................. 47.7 37.8 54.8 55.5 52.3 48.5 45.3 44.2 43.8 45.4 Average number in consumer unit: Persons..................................... 2.5 1.8 1.7 1.9 2.2 2.4 2.5 2.7 3.0 3.1 Children under 18........................... .7 .5 .4 .5 .6 .6 .7 .8 .9 .9 Persons 65 and over......................... .3 .1 .5 .5 .6 .4 .3 .2 .1 .1 Earners..................................... 1.3 .9 .5 .7 .9 1.2 1.4 1.6 1.9 2.1 Vehicles.................................... 2.0 1.0 .9 1.3 1.5 1.9 2.1 2.3 2.6 2.9 Percent distribution: Male........................................ 58 43 34 40 51 58 64 65 69 73 Female...................................... 42 57 66 60 49 42 36 35 31 27 Homeowner................................... 64 26 40 50 55 59 64 71 80 89 With mortgage.............................. 39 10 9 15 17 27 41 50 62 74 Without mortgage........................... 25 16 32 35 38 32 23 21 17 15 Renter...................................... 36 74 60 50 45 41 36 29 20 11 Black....................................... 11 16 18 13 12 13 9 9 7 5 White and other............................. 89 84 82 87 88 87 91 91 93 95 Elementary (1-8)............................ 7 7 20 14 12 7 4 2 2 1 High school (9-12).......................... 38 44 48 50 49 46 40 34 30 19 College..................................... 55 49 30 36 39 47 56 63 69 80 Never attended and other.................... c/ 1 2 c/ 1 c/ c/ c/ c/ c/ At least one vehicle owned or leased........ 87 58 59 76 87 90 95 96 98 98 Average annual expenditures.................. $37,260 $17,502 $14,838 $19,958 $22,810 $27,941 $33,616 $39,934 $49,376 $73,786 Food........................................ 5,011 2,890 2,622 2,907 3,520 4,073 4,841 5,546 6,485 8,572 Food at home............................. 2,868 1,692 1,748 1,973 2,267 2,525 2,862 3,145 3,652 4,243 Cereals and bakery products............ 437 247 275 313 339 395 428 485 538 652 Cereals and cereal products.......... 151 106 101 106 125 133 142 167 185 220 Bakery products...................... 287 141 173 207 215 262 286 318 353 432 Meats, poultry, fish, and eggs......... 734 440 463 499 626 647 741 809 955 1,024 Beef................................. 219 126 116 136 172 203 223 240 325 289 Pork................................. 149 106 114 103 145 133 158 159 173 191 Other meats.......................... 94 51 66 63 78 81 95 108 117 132 Poultry.............................. 140 75 85 97 114 120 146 144 182 209 Fish and seafood..................... 100 54 54 72 85 77 84 119 123 165 Eggs................................. 33 27 28 28 33 33 33 38 35 38 Dairy products............................ 314 194 197 231 251 273 305 338 408 452 Fresh milk and cream................. 124 94 84 103 101 109 123 137 155 164 Other dairy products................. 189 100 113 127 150 165 182 201 253 288 Fruits and vegetables.................. 486 293 279 343 389 442 494 497 587 754 Fresh fruits......................... 154 100 82 113 121 145 156 152 184 239 Fresh vegetables..................... 150 95 88 105 123 132 159 144 179 236 Processed fruits..................... 104 63 59 70 81 88 100 120 123 169 Processed vegetables................. 78 36 49 55 64 78 78 80 101 109 Other food at home..................... 897 518 534 587 661 769 894 1,016 1,163 1,362 Sugar and other sweets............... 114 59 73 78 88 104 106 131 154 158 Fats and oils........................ 78 48 55 56 68 71 78 87 97 105 Miscellaneous foods.................. 408 237 235 261 280 344 413 473 535 627 Nonalcoholic beverages............... 241 153 155 173 184 205 247 271 304 347 Food prepared by consumer unit on out-of-town trips....................... 57 21 17 19 40 45 51 55 72 124 Food away from home...................... 2,143 1,198 874 934 1,253 1,547 1,979 2,401 2,834 4,328 Alcoholic beverages......................... 336 274 128 159 205 261 301 361 416 673 Housing..................................... 11,841 6,090 5,781 7,346 7,937 9,291 10,821 11,968 14,530 22,568 Shelter.................................. 6,707 3,740 3,048 4,214 4,515 5,073 6,158 6,660 8,193 13,006 Owned dwellings........................ 4,242 1,367 1,020 1,735 1,870 2,425 3,464 4,170 6,013 10,474 Mortgage interest and charges........ 2,466 699 308 585 587 1,101 1,987 2,517 3,878 6,734 Property taxes....................... 989 324 375 536 671 688 773 920 1,207 2,263 Maintenance, repairs, insurance,other expenses............................ 786 344 337 614 613 636 705 733 929 1,476 Rented dwellings....................... 2,008 2,111 1,919 2,245 2,428 2,428 2,432 2,132 1,654 1,208 Other lodging.......................... 457 262 109 233 217 220 261 358 526 1,324 Utilities, fuels, and public services...... 2,381 1,367 1,537 1,752 1,971 2,199 2,362 2,565 2,827 3,479 Natural gas............................ 278 139 193 205 241 266 254 292 324 415 Electricity............................ 904 535 622 711 773 852 916 981 1,043 1,243 Fuel oil and other fuels............... 89 48 56 70 84 87 87 95 106 119 Telephone services..................... 826 525 513 584 649 744 830 902 992 1,231 Water and other public services........ 284 119 153 182 223 250 275 295 361 471 Household operations..................... 569 164 260 282 269 348 393 522 684 1,453 Personal services...................... 270 67 146 118 109 144 190 288 375 651 Other household expenses............... 299 96 114 165 160 203 203 234 309 801 Housekeeping supplies...................... 492 180 216 330 324 372 469 551 688 862 Laundry and cleaning supplies.......... 123 50 58 93 91 101 123 146 170 187 Other household products............... 221 75 95 161 147 159 202 248 303 401 Postage and stationery................. 147 55 64 76 86 112 145 158 214 274 Household furnishings and equipment...... 1,692 640 719 768 859 1,299 1,439 1,670 2,138 3,768 Household textiles..................... 116 98 52 59 72 85 71 87 160 259 Furniture.............................. 387 118 87 166 202 311 338 351 426 957 Floor coverings........................ 157 d/ 32 159 66 32 172 91 89 95 451 Major appliances....................... 172 89 72 146 121 136 195 144 246 268 Small appliances, miscellaneous housewares............................ 87 29 35 37 45 68 75 91 139 171 Miscellaneous household equipment...... 773 274 314 295 388 527 671 908 1,072 1,662 Apparel and services........................ 1,749 1,118 701 814 910 1,334 1,754 2,045 2,140 3,458 Men and boys............................. 412 144 111 139 191 292 379 504 544 926 Men, 16 and over....................... 324 101 83 101 138 208 294 402 440 758 Boys, 2 to 15.......................... 87 43 28 37 53 84 85 102 105 167 Women and girls.......................... 682 690 277 341 329 523 658 791 858 1,283 Women, 16 and over..................... 575 615 245 308 239 438 562 663 726 1,071 Girls, 2 to 15......................... 107 74 31 33 89 85 96 128 131 212 Children under 2......................... 80 d/ 50 d/ 23 61 35 65 114 90 99 128 Footwear................................. 292 d/ 75 158 143 200 267 348 399 336 458 Other apparel products and services...... 282 159 132 130 156 186 255 261 303 664 Transportation.............................. 6,785 2,875 2,035 3,575 4,192 5,331 6,237 7,489 9,840 12,819 Vehicle purchases (net outlay)........... 3,043 1,193 829 1,724 1,876 2,411 2,588 3,274 4,664 5,732 Cars and trucks, new................... 1,383 d/ 421 d/ 208 692 648 691 953 1,195 2,150 3,550 Cars and trucks, used.................. 1,607 772 617 1,014 1,179 1,671 1,610 2,005 2,378 2,113 Other vehicles......................... 54 e/ d/ 4 d/ 18 d/ 49 d/ 49 d/ 25 d/ 75 137 69 Gasoline and motor oil................... 1,030 560 424 602 738 893 1,056 1,239 1,399 1,625 Other vehicle expenses................... 2,285 912 614 1,050 1,355 1,744 2,268 2,585 3,330 4,375 Vehicle finance charges................ 329 127 48 97 155 225 372 417 581 591 Maintenance and repairs................ 674 315 243 392 421 574 725 749 937 1,134 Vehicle insurance...................... 766 350 222 413 548 642 781 915 1,053 1,317 Vehicle rental, leases, licenses, other charges.................................. 516 120 101 148 231 302 390 503 760 1,334 Public transportation.................... 427 210 168 198 224 284 326 391 446 1,087 Health care................................. 1,973 860 1,165 1,652 2,140 1,849 1,834 2,074 2,165 2,874 Health insurance......................... 926 392 581 788 982 959 937 965 979 1,240 Medical services......................... 569 236 251 381 528 435 463 601 728 1,034 Drugs.................................... 367 189 281 405 506 368 335 383 334 407 Medical supplies......................... 112 42 53 78 124 87 99 125 125 193 Entertainment............................... 1,824 904 559 898 886 1,201 1,453 1,956 2,637 3,963 Fees and admissions...................... 469 243 127 161 190 262 343 450 631 1,216 Television, radios, sound equipment...... 575 322 254 344 372 473 571 607 797 973 Pets, toys, and playground equipment..... 352 131 114 148 216 274 300 396 506 708 Other entertainment supplies, equipment,and services.................. 428 208 64 245 108 192 240 502 703 1,067 Personal care products and services......... 437 375 224 317 255 320 404 457 569 770 Reading..................................... 170 90 64 94 104 132 154 168 219 340 Education................................... 580 657 353 197 314 367 398 472 687 1,342 Tobacco products and smoking supplies....... 279 221 208 236 260 283 322 326 334 273 Miscellaneous............................... 920 475 422 566 544 805 899 1,036 1,209 1,574 Cash contributions.......................... 1,238 204 263 606 545 865 1,078 1,347 1,641 2,911 Personal insurance and pensions............. 4,117 469 312 590 997 1,830 3,120 4,689 6,505 11,649 Life and other personal insurance........ 407 212 105 161 222 269 302 514 516 936 Pensions and Social Security............. 3,710 258 207 429 775 1,561 2,818 4,175 5,989 10,713 Sources of income and personal taxes: b/ Money income before taxes................ 41,622 1,888 7,735 12,375 17,464 24,648 34,473 44,289 58,516 108,257 Wages and salaries....................... 32,889 1,594 1,983 4,753 8,399 16,166 26,206 36,623 50,535 93,061 Self-employment income................... 2,239 -1,176 146 206 563 723 1,422 2,113 2,789 8,107 Social Security, private and government retirement................... 4,618 635 4,012 6,087 6,966 6,321 5,225 4,017 3,499 3,338 Interest, dividends, rental income, other property income................... 871 35 72 187 313 515 709 792 872 2,753 Unemployment and workers'' compensation, veterans'' benefits..................... 193 55 82 87 245 198 271 230 229 226 Public assistance, supplemental security, income, food stamps..................... 330 415 1,078 647 492 262 169 184 115 30 Regular contributions for support........ 260 154 156 208 266 283 307 220 315 301 Other income............................. 221 176 206 201 220 180 164 109 162 441 Personal taxes.............................. 3,264 150 99 220 514 1,052 2,080 3,398 4,714 10,838 Federal income taxes..................... 2,472 100 28 89 282 695 1,498 2,544 3,614 8,469 State and local income taxes............. 630 4 13 55 104 233 447 707 922 1,995 Other taxes.............................. 162 47 58 76 128 123 135 147 178 374 Income after taxes.......................... 38,358 1,738 7,636 12,155 16,951 23,596 32,393 40,890 53,802 97,419 Net change in total assets and liabilities... -2,359 2,871 433 -566 1,349 770 -1,446 -755 -6,070 -9,863 Net change in total assets............... 6,225 6,446 595 1,679 3,454 3,781 4,820 6,228 6,134 16,780 Net change in total liabilities.......... 8,583 3,576 162 2,245 2,105 3,011 6,266 6,984 12,204 26,644 Other financial information: Other money receipts....................... 551 1,073 124 72 308 195 490 604 749 1,222 Mortgage principal paid on owned property................................ -1,184 -261 -174 -335 -322 -511 -838 -1,066 -1,611 -3,560 Estimated market value of owned home..... 79,004 28,912 35,482 45,163 48,303 55,702 63,302 74,707 95,407 176,279 Estimated monthly rental value of owned home.............................. 564 198 230 327 382 410 472 571 710 1,181 Gifts of goods and services................. 1,097 519 436 474 553 698 876 1,136 1,322 2,622 Food..................................... 84 25 14 30 36 25 48 86 99 266 Housing.................................. 318 209 156 142 155 202 240 371 379 716 Housekeeping supplies.................. 46 16 17 20 33 31 40 65 64 89 Household textiles..................... 18 d/ 6 11 d/ 6 5 6 21 18 23 48 Appliances and miscellaneous housewares............................... 32 d/ 9 d/ 9 13 11 26 28 34 56 60 Major appliances..................... 8 d/ 3 c/ d/ 4 d/ 5 7 11 d/ 14 7 14 Small appliances and miscellaneous housewares........................... 24 d/ 6 d/ 9 10 6 19 17 20 49 46 Miscellaneous household equipment...... 76 36 29 26 25 44 40 129 89 184 Other housing.......................... 146 142 91 77 80 95 111 125 148 335 Apparel and services..................... 235 128 120 125 101 205 212 263 291 458 Males, 2 and over...................... 63 50 24 30 21 64 52 64 83 122 Females, 2 and over.................... 80 24 23 35 43 48 71 106 86 195 Children under 2....................... 35 d/ 13 d/ 6 28 12 25 54 32 42 65 Other apparel products and services.... 57 41 67 32 24 68 35 61 80 76 Jewelry and watches.................. 28 24 41 16 9 30 17 35 32 39 All other apparel products and services............................ 29 d/ 17 d/ 26 d/ 17 d/ 15 38 d/ 18 26 48 37 Transportation........................... 51 16 10 17 33 44 43 42 61 124 Health care.............................. 42 d/ 6 29 51 d/ 75 10 62 29 40 59 Entertainment............................ 90 34 27 40 49 52 86 110 109 205 Toys, games, hobbies, and tricycles.... 32 11 13 20 17 25 39 30 47 58 Other entertainment.................... 58 24 14 20 32 27 48 80 63 147 Education................................ 147 d/ 47 d/ 45 d/ 15 d/ 44 39 55 104 196 516 All other gifts.......................... 129 53 35 54 60 121 129 132 147 279 ________________________________________________ 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/ Data are likely to have large sampling errors. e/ Data not available