Table 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1990-91 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)... 18299 714 1081 1332 1450 2936 2935 7853 Income before taxes 1/.................... 41547 1897 7834 12340 17468 24851 34544 68049 Income after taxes 1/..................... 37169 1876 7700 12044 16590 22661 31322 60103 Age of reference person................... 39.4 38.9 39.2 39.2 39.1 39.4 39.2 39.7 Average number in consumer unit:.......... Persons.................................. 3.3 2.6 3 3.1 3.1 3.1 3.2 3.5 Children under 18........................ 1.3 1.1 1.4 1.3 1.3 1.3 1.3 1.4 Persons 65 and over...................... 0 0 0 0 0 0 0 0 Earners.................................. 1.8 1.1 1.2 1.3 1.6 1.7 1.8 2 Vehicles................................. 2.3 1.3 1.3 1.4 1.7 2 2.5 2.8 Percent distribution: Male..................................... 70 46 43 43 58 66 75 83 Female................................... 30 54 57 57 42 34 25 17 Percent homeowner........................ 66 35 39 38 47 53 68 85 With mortgage........................... 57 22 27 26 36 43 57 79 Without mortgage........................ 9 13 12 11 11 9 11 6 Renter................................... 34 65 61 62 53 47 32 15 Black.................................... 12 27 21 29 13 14 11 5 White and other.......................... 88 73 79 71 87 86 89 95 Elementary (1-8)......................... 4 12 10 9 10 4 2 2 High school (9-12)....................... 37 44 51 58 51 46 40 25 College.................................. 58 43 37 33 39 50 58 73 Never attended and other................. 0 0 2 0 0 0 0 0 At least one vehicle owned............... 92 71 70 78 90 91 96 98 Average annual expenditures............... 37053 17858 15817 18350 23950 26486 33632 52167 Food..................................... 5494 3655 3183 3509 4232 4308 5109 6969 Food at home............................ 3271 2347 2320 2420 2952 2777 3076 3871 Cereals and bakery products............ 502 300 314 385 453 407 474 607 Cereals and cereal products........... 181 112 130 125 180 164 168 211 Bakery products....................... 321 188 184 260 273 242 306 396 Meats, poultry, fish, and eggs......... 838 805 668 671 797 755 773 943 Beef.................................. 288 196 215 210 252 256 292 331 Pork.................................. 159 228 156 123 167 145 152 165 Other meats........................... 121 151 102 85 126 103 98 139 Poultry............................... 134 104 109 130 127 131 112 150 Fish and seafood...................... 101 99 52 83 88 84 83 124 Eggs.................................. 35 27 34 41 37 36 36 35 Dairy products......................... 386 257 309 301 341 337 362 449 Fresh milk and cream.................. 173 127 160 154 168 164 173 186 Other dairy products.................. 212 130 149 147 173 173 188 264 Fruits and vegetables.................. 507 352 361 376 405 440 478 605 Fresh fruits.......................... 149 95 87 104 103 126 132 189 Fresh vegetables...................... 149 101 122 126 117 133 145 171 Processed fruits...................... 119 82 79 79 111 104 110 143 Processed vegetables.................. 90 73 74 67 74 78 90 103 Other food at home..................... 1039 633 667 687 955 838 990 1266 Sugar and other sweets................ 124 65 88 93 102 95 122 152 Fats and oils......................... 88 58 71 63 91 79 76 104 Miscellaneous foods................... 487 311 264 301 418 386 477 603 Nonalcoholic beverages................ 291 171 231 209 321 249 272 335 Food prep. by cu, out-of-town trips... 48 27 12 20 23 30 42 73 Food away from home..................... 2223 1308 864 1089 1281 1531 2033 3099 Alcoholic beverages...................... 381 330 140 154 342 312 386 474 Housing.................................. 11287 6419 5704 6364 7238 8190 9705 15760 Shelter................................. 6436 3750 3369 3614 4092 4646 5544 9016 Owned dwellings........................ 4438 1684 1339 1332 1781 2279 3410 7324 Mortgage interest and charges......... 3082 1098 851 775 1130 1437 2300 5229 Property taxes........................ 777 280 333 289 343 423 599 1246 Maintenance, rep., ins., oth. exp..... 578 305 155 269 308 419 510 849 Rented dwellings....................... 1657 1927 1954 2217 2157 2193 1879 1121 Other lodging.......................... 341 139 76 65 154 175 255 571 Utilities, fuels, and public services... 2156 1464 1549 1698 1806 1922 2124 2544 Natural gas............................ 261 170 216 207 210 202 260 315 Electricity............................ 877 581 607 706 735 775 875 1034 Fuel oil and other fuels............... 94 60 44 40 52 102 84 121 Telephone.............................. 679 518 529 578 640 638 655 763 Water and other public services........ 246 135 153 166 169 205 250 311 Household operations.................... 600 218 203 184 263 263 357 1039 Personal services...................... 353 105 153 70 156 155 223 610 Other household expenses............... 247 113 50 114 107 108 134 429 Housekeeping supplies................... 533 470 267 321 310 393 435 719 Laundry and cleaning supplies.......... 154 213 110 106 104 127 139 183 Other household products............... 238 129 100 115 135 160 198 338 Postage and stationery................. 142 128 57 99 70 107 98 198 Household furnishings and equipment..... 1562 517 316 547 767 966 1245 2442 Household textiles..................... 129 10 54 30 41 94 103 201 Furniture.............................. 372 60 42 220 254 199 368 561 Floor coverings........................ 130 37 42 6 63 27 97 225 Major appliances....................... 171 61 72 57 128 118 179 238 Small appliances, misc. housewares..... 96 36 26 31 45 70 71 146 Miscellaneous household equipment...... 664 314 81 203 236 457 427 1072 Apparel and services..................... 2428 1167 933 1507 1570 1677 2302 3311 Men and boys............................ 615 168 213 357 347 401 522 895 Men, 16 and over....................... 454 85 126 157 249 272 334 713 Boys, 2 to 15.......................... 161 83 87 200 98 129 188 182 Women and girls......................... 1010 618 386 523 620 698 1034 1352 Women, 16 and over..................... 799 543 316 401 463 534 846 1064 Girls, 2 to 15......................... 210 75 70 123 157 163 188 288 Children under 2........................ 87 90 75 79 48 71 72 109 Footwear................................ 356 154 121 289 294 234 427 434 Other apparel products and services..... 360 137 139 258 260 274 248 521 Transportation........................... 6225 2570 2586 2572 4733 4492 5987 8679 Vehicle purchases (net outlay).......... 2596 682 874 851 2282 1671 2444 3764 Cars and trucks, new................... 1290 66 283 208 1163 489 986 2160 Cars and trucks, used.................. 1279 616 592 643 1115 1166 1437 1556 Other vehicles......................... 27 0 0 0 4 16 21 48 Gasoline and motor oil.................. 1228 703 662 675 1008 1112 1274 1514 Other vehicle expenses.................. 2064 985 893 850 1269 1512 1998 2897 Vehicle finance charges................ 366 123 112 145 252 255 366 523 Maintenance and repairs................ 749 418 372 299 444 557 760 1022 Vehicle insurance...................... 680 363 305 310 410 555 645 934 Veh. rent., leas., licen., oth. chges.. 269 81 105 97 163 144 227 419 Public transportation................... 337 199 157 196 173 198 271 504 Health care.............................. 1472 813 624 1037 1120 1262 1459 1870 Health insurance........................ 537 290 237 271 326 531 613 658 Medical services........................ 644 385 227 536 366 504 577 871 Drugs................................... 188 110 110 162 188 149 184 225 Medical supplies........................ 104 28 50 68 240 79 85 116 Entertainment............................ 1843 788 635 659 897 1110 1660 2813 Fees and admissions..................... 518 171 160 130 143 268 409 868 Television, radios, sound equipment..... 586 336 233 307 394 429 565 805 Pets, toys, and playground equipment.... 374 195 159 150 267 254 373 517 Other supplies, equip., and services.... 365 85 82 71 93 158 312 624 Personal care products and services...... 480 301 210 306 321 360 457 631 Reading.................................. 193 89 66 71 111 135 179 282 Education................................ 468 239 148 158 197 257 319 767 Tobacco products and smoking supplies.... 335 308 365 374 360 372 349 304 Miscellaneous............................ 1167 673 435 414 665 802 1053 1707 Cash contributions....................... 1018 201 222 209 542 742 913 1570 Personal insurance and pensions.......... 4262 305 565 1017 1621 2466 3756 7029 Life and other personal insurance....... 431 116 140 166 234 280 408 646 Pensions and Social Security............ 3831 188 426 851 1387 2187 3348 6383 Money income before taxes 1/.............. 41547 1897 7834 12340 17468 24851 34544 68049 Wages and salaries....................... 35796 1270 3615 8774 14412 21892 31318 58766 Self-employment income................... 3527 -801 814 803 998 1299 1799 6701 Soc. Sec., priv. and gov. retirement..... 503 196 741 770 622 588 343 459 Int., divid., rent. inc., property inc... 629 88 -41 81 129 168 287 1257 Unemp. and workers' compen., vet. ben.... 280 107 296 296 406 322 357 224 Pub. ass., supp. sec. inc., foodstamps... 316 644 1968 1218 411 176 51 39 Regular contributions for support........ 374 231 244 294 387 328 317 455 Other income............................. 121 160 198 102 103 77 71 148 Personal taxes 1/......................... 4378 21 135 295 878 2190 3222 7946 Federal income taxes..................... 3403 -102 26 99 629 1592 2454 6292 State and local income taxes............. 842 3 52 90 222 473 665 1474 Other taxes.............................. 132 119 57 107 27 125 104 180 Income after taxes 1/..................... 37169 1876 7700 12044 16590 22661 31322 60103 Net change in total assets and liabilities -975 -2692 -2002 -3628 -3601 -380 -1673 296 Net change in total assets............... 4856 -563 -1199 -962 -1468 2436 4195 9488 Net change in total liabilities.......... 5831 2129 803 2666 2133 2816 5867 9192 Other money receipts...................... 469 52 22 1045 213 149 283 707 Mortgage principal paid, owned property... -862 -606 -312 -313 -334 -468 -708 -1357 Estimated market value of owned home...... 74449 25678 26793 34695 28922 37643 56555 121037 Est. monthly rental value of owned home... 461 184 187 180 220 264 385 718 Gifts of goods and services............... 991 349 321 721 457 745 837 1418 Food.................................... 91 27 22 38 46 51 95 135 Housing................................. 277 141 82 120 105 166 172 447 Housekeeping supplies................. 45 14 5 50 12 30 33 65 Household textiles.................... 14 0 13 0 2 11 9 22 Appliances and misc. housewares....... 26 1 6 15 13 25 21 37 Major appliances.................... 6 0 2 7 3 6 5 8 Small appl. and misc. housewares.... 20 1 3 8 11 19 15 29 Miscellaneous household equipment..... 78 53 16 9 10 35 54 132 Other housing......................... 115 73 42 45 68 64 55 190 Apparel and services.................... 268 81 152 229 128 264 300 320 Males 2 and over...................... 60 10 38 51 30 51 68 74 Females 2 and over.................... 122 19 68 72 57 142 147 139 Children under 2...................... 35 44 32 27 19 22 36 43 Other apparel products and services... 51 8 14 78 22 49 48 64 Jewelry and watches................. 27 7 9 14 8 15 16 46 All other apparel products and serv. 24 2 5 64 13 34 32 18 Transportation.......................... 44 7 2 2 17 27 30 76 Health care............................. 35 7 6 180 4 17 25 33 Entertainment........................... 68 21 15 17 30 52 60 103 Toys, games, hobbies, and tricycles... 25 2 6 6 13 20 20 40 Other entertainment................... 42 19 9 10 17 32 40 63 Education............................... 86 10 1 11 52 51 36 155 All other gifts......................... 123 54 40 125 75 117 119 151 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary