Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 12376 521 861 1059 895 1980 1657 5404 Income before taxes 1/.................... 42716 156 7661 12508 17387 24676 34693 71583 Income after taxes 1/..................... 38621 373 7375 11969 16064 22843 31522 64200 Average number of persons in cons. unit... 2.9 2.3 2.2 2.4 2.8 2.8 3 3.2 Age of reference person................... 49.2 49.6 48.7 49.6 49.5 49.2 49.3 49.1 Average number of: Earners.................................. 2 1.1 1 1.3 1.6 1.8 2.2 2.4 Vehicles................................. 2.6 1.4 1.2 1.4 1.7 2.3 2.7 3.5 Children under 18........................ 0.6 0.5 0.6 0.6 0.7 0.6 0.7 0.6 Persons 65 and over...................... 0 0 0 0 0 0 0.1 0 Percent distribution: Male..................................... 67 45 43 47 51 60 69 82 Female................................... 33 55 57 53 49 40 31 18 Percent homeowner........................ 74 59 43 48 61 66 75 89 Homeowner with mortgage................. 58 35 23 24 37 51 61 77 Homeowner without mortgage.............. 16 24 19 24 24 15 14 13 Renter................................... 26 41 57 52 39 34 25 11 Black.................................... 12 22 23 12 18 15 10 8 White and other.......................... 88 78 77 88 82 85 90 92 Elementary (1-8)......................... 8 13 19 24 11 8 8 3 High school (9-12)....................... 45 61 58 57 64 51 48 32 College.................................. 47 26 19 20 25 40 44 65 Never attended and other................. 0 0 4 0 1 1 0 0 At least one vehicle owned............... 92 76 66 82 86 94 97 98 Average annual expenditures............... 37358 18449 15469 17701 21887 25850 33008 54090 Food..................................... 5528 3050 3060 3359 4173 3863 5148 7251 Food at home............................ 3025 1957 2275 2336 2584 2337 3098 3562 Cereals and bakery products............ 433 238 312 354 341 318 429 526 Cereals and cereal products........... 143 100 120 126 119 114 130 167 Bakery products....................... 290 138 192 228 223 204 299 358 Meats, poultry, fish, and eggs......... 838 578 697 669 744 697 886 944 Beef.................................. 277 196 223 187 247 217 298 318 Pork.................................. 171 146 160 164 152 143 190 181 Other meats........................... 130 53 110 145 139 122 131 137 Poultry............................... 130 85 114 90 83 104 139 154 Fish and seafood...................... 93 65 55 44 83 73 87 116 Eggs.................................. 38 33 35 39 40 38 40 38 Dairy products......................... 359 217 276 280 348 300 367 409 Fresh milk and cream.................. 165 119 131 161 199 156 179 166 Other dairy products.................. 195 99 145 119 148 144 188 243 Fruits and vegetables.................. 478 343 357 347 421 348 517 560 Fresh fruits.......................... 146 93 117 102 128 105 156 173 Fresh vegetables...................... 147 105 109 124 151 106 150 169 Processed fruits...................... 104 66 76 64 70 73 122 126 Processed vegetables.................. 81 79 55 57 72 64 89 92 Other food at home..................... 916 580 632 685 730 674 899 1124 Sugar and other sweets................ 112 63 77 93 122 78 102 134 Fats and oils......................... 77 54 60 66 87 62 75 85 Miscellaneous foods................... 396 287 270 269 258 242 409 504 Nonalcoholic beverages................ 286 160 212 232 248 261 278 328 Food prep. by cu, out-of-town trips... 47 16 13 25 16 31 35 73 Food away from home..................... 2503 1093 786 1023 1589 1526 2050 3689 Alcoholic beverages...................... 338 146 140 155 195 230 325 468 Housing.................................. 10610 7697 4789 5698 6491 8266 8874 14791 Shelter................................. 6025 4503 2619 3116 3637 4624 5002 8506 Owned dwellings........................ 3912 2609 875 962 1588 2626 2968 6245 Mortgage interest..................... 2536 1831 497 515 1006 1479 1798 4191 Property taxes........................ 723 452 133 235 284 539 566 1127 Maintenance, rep., ins., oth. exp..... 653 326 245 211 298 607 605 928 Rented dwellings....................... 1264 1238 1550 1927 1767 1618 1407 834 Other lodging.......................... 849 656 194 227 282 381 627 1428 Utilities, fuels, and public services... 2279 1696 1492 1633 1781 2068 2178 2778 Natural gas............................ 296 198 214 192 245 262 289 363 Electricity............................ 912 651 592 641 706 817 835 1134 Fuel oil and other fuels............... 104 63 40 58 67 97 108 135 Telephone.............................. 728 620 514 582 598 682 701 847 Water and other public services........ 238 165 131 160 165 211 246 298 Household operations.................... 337 138 74 90 96 142 233 590 Personal services...................... 83 17 7 20 26 43 47 150 Other household expenses............... 254 120 67 70 70 99 186 441 Housekeeping supplies................... 511 269 250 351 269 409 445 678 Laundry and cleaning supplies.......... 139 78 94 121 71 106 144 172 Other household products............... 209 100 97 137 101 158 174 287 Postage and stationery................. 163 91 59 93 97 145 127 219 Household furnishings and equipment..... 1458 1091 355 508 708 1022 1016 2239 Household textiles..................... 147 472 12 57 42 81 110 211 Furniture.............................. 373 190 98 180 280 206 302 571 Floor coverings........................ 142 1 0 43 55 66 67 251 Major appliances....................... 174 69 54 53 88 164 147 254 Small appliances, misc. housewares..... 89 100 16 31 41 52 78 134 Miscellaneous household equipment...... 532 260 174 144 204 452 312 818 Apparel and services..................... 2143 697 1024 1065 1123 1389 2108 3019 Men and boys............................ 563 129 219 268 201 304 453 872 Men, 16 and over....................... 494 114 183 204 179 260 400 773 Boys, 2 to 15.......................... 69 15 36 64 22 44 53 100 Women and girls......................... 893 280 399 484 491 619 893 1223 Women, 16 and over..................... 794 229 354 390 445 537 790 1097 Girls, 2 to 15......................... 99 51 45 93 46 82 103 126 Children under 2........................ 59 17 32 29 28 45 117 66 Footwear................................ 280 106 167 175 239 205 344 332 Other apparel products and services..... 347 164 208 109 164 217 301 526 Transportation........................... 7057 2841 2413 3131 4320 4424 6341 10593 Vehicle purchases (net outlay).......... 3001 688 865 1363 1993 1391 2433 4817 Cars and trucks, new................... 1592 141 125 276 559 639 1056 2907 Cars and trucks, used.................. 1376 548 740 1029 1434 752 1350 1853 Other vehicles......................... 33 0 0 58 0 0 28 56 Gasoline and motor oil.................. 1354 896 695 742 891 1177 1391 1754 Other vehicle expenses.................. 2270 1054 701 854 1200 1640 2230 3319 Vehicle finance charges................ 431 102 164 106 249 268 460 650 Maintenance and repairs................ 786 336 233 346 483 575 811 1109 Vehicle insurance...................... 806 514 242 332 375 632 748 1170 Veh. rental, licenses, oth. charges.... 247 102 61 70 93 165 210 390 Public transportation................... 431 203 151 173 236 216 288 704 Health care.............................. 1509 1030 834 965 1162 1231 1519 1922 Health insurance........................ 536 392 343 303 485 470 570 649 Medical services........................ 626 308 257 362 392 502 547 877 Drugs................................... 236 258 185 224 212 177 296 251 Medical supplies........................ 110 71 49 76 73 81 107 146 Entertainment............................ 1901 703 1244 598 772 1305 1383 2932 Fees and admissions..................... 457 152 82 85 212 243 342 772 Television, radios, sound equipment..... 557 301 263 272 310 388 514 798 Pets, toys, and playground equipment.... 362 171 255 210 186 434 315 447 Other supplies, equip., and services.... 525 79 645 31 63 240 213 915 Personal care products and services...... 486 163 234 309 267 324 476 666 Reading.................................. 191 80 83 73 115 136 190 275 Education................................ 667 498 83 259 133 302 512 1125 Tobacco products and smoking supplies.... 355 281 393 351 326 332 375 363 Miscellaneous............................ 890 590 311 410 534 856 913 1166 Cash contributions....................... 1384 178 199 327 488 667 990 2427 Personal insurance and pensions.......... 4298 495 660 1000 1786 2524 3854 7093 Life and other personal insurance....... 501 215 236 182 299 301 512 738 Pensions and Social Security............ 3797 280 424 818 1487 2223 3342 6355 Money income before taxes 1/.............. 42716 156 7661 12508 17387 24676 34693 71583 Wages and salaries....................... 35658 1493 3899 8794 13748 20610 30600 59966 Self-employment income................... 4067 -2690 16 751 1131 1800 1724 8048 Soc. Sec., priv. and gov. retirement..... 1182 368 1114 1799 1130 1091 865 1289 Int., divid., rent. inc., property inc... 832 127 335 80 137 308 484 1539 Unemp. and workers' compen., vet. ben.... 299 214 417 249 329 297 368 273 Pub. ass., supp. sec. inc., foodstamps... 274 581 1566 560 565 171 56 40 Regular contributions for support........ 296 13 240 154 243 363 501 282 Other income............................. 107 51 75 121 104 34 95 146 Personal taxes 1/......................... 4094 -217 286 539 1322 1833 3171 7384 Federal income taxes..................... 3214 -270 164 402 1013 1371 2441 5864 State and local income taxes............. 789 -19 56 126 280 402 635 1386 Other taxes.............................. 91 71 66 11 29 60 95 133 Income after taxes 1/..................... 38621 373 7375 11969 16064 22843 31522 64200 Net change in total assets and liabilities 62 3778 1707 -811 680 276 1296 -947 Net change in total assets............... 2330 708 2077 222 1059 504 2711 3702 Net change in total liabilities.......... 2268 -3070 370 1032 379 228 1415 4649 Other money receipts...................... 435 45 13 86 324 487 960 447 Mortgage principal paid, owned property... -922 -728 -374 -311 -450 -689 -688 -1384 Estimated market value of owned home...... 84280 75674 33176 27164 40032 54534 63137 129151 Est. monthly rental value of owned home... 506 277 182 200 295 367 417 753 Gifts of goods and services, total........ 1646 1185 490 529 532 801 1199 2690 Clothing, males 2 and over............... 96 59 17 90 32 116 82 122 Clothing, females 2 and over............. 151 100 173 55 56 129 145 191 Clothing, infants less than 2............ 46 16 5 15 14 34 102 53 Jewelry and watches...................... 32 7 2 14 20 31 28 47 Small appliances and misc. housewares.... 26 12 4 3 6 11 16 44 Household textiles....................... 15 0 2 0 5 17 5 23 All other gifts.......................... 1280 990 287 353 400 464 820 2210 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary. - {PAGE|2} - Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________