Table 5. Consumer units with reference person age 55-64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1991-92 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ____________________________________________________________________________________________________ Number of consumer units (in thousands)... 10238 523 1329 1112 869 1529 1318 978 1287 1294 Income before taxes 1/.................... 37948 169 7409 12472 17161 24587 34367 44352 58169 114918 Income after taxes 1/..................... 34151 -2092 7273 12094 15887 22853 31786 40823 51982 100606 Age of reference person................... 59.5 59.8 60.3 60.1 59.8 59.8 59.2 59 59.1 58.6 Average number in consumer unit:.......... Persons.................................. 2.4 1.8 1.8 2.3 2.3 2.3 2.3 2.5 2.8 2.8 Children under 18........................ 0.2 0.1 0.2 0.4 0.3 0.2 0.2 0.2 0.3 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0 0.1 0.1 0.1 Earners.................................. 1.4 0.7 0.5 1 1.2 1.4 1.6 1.8 2 2.1 Vehicles................................. 2.3 1.3 1.2 1.8 1.8 2.4 2.5 2.6 3.2 3.1 Percent distribution: Male..................................... 71 47 53 59 64 69 81 80 84 87 Female................................... 29 53 47 41 36 31 19 20 16 13 Percent homeowner........................ 78 59 57 71 73 77 83 85 94 94 With mortgage........................... 39 20 19 26 25 37 41 43 65 60 Without mortgage........................ 39 39 38 45 48 40 42 42 30 34 Renter................................... 22 41 43 29 27 23 17 15 6 6 Black.................................... 11 15 24 18 16 9 6 4 6 6 White and other.......................... 89 85 76 82 84 91 94 96 94 94 Elementary (1-8)......................... 16 25 36 24 23 18 9 7 3 3 High school (9-12)....................... 47 56 47 51 54 52 56 51 40 25 College.................................. 37 17 15 24 23 30 35 42 57 72 Never attended and other................. 0 1 2 1 0 0 0 0 0 0 At least one vehicle owned............... 89 68 67 86 87 93 96 96 99 98 Average annual expenditures............... 32600 19044 13726 19870 21443 25761 32523 38232 43940 70037 Food..................................... 4314 3157 2280 2748 3485 3742 4418 6187 5257 7744 Food at home............................ 2788 2132 1738 1985 2391 2609 2998 3912 3115 4334 Cereals and bakery products............ 419 316 274 273 363 389 438 539 498 683 Cereals and cereal products........... 135 109 82 101 130 129 154 150 162 199 Bakery products....................... 284 206 191 171 232 260 284 389 336 484 Meats, poultry, fish, and eggs......... 749 713 499 547 623 722 784 996 788 1142 Beef.................................. 226 186 161 152 177 228 232 347 266 299 Pork.................................. 168 194 102 128 163 180 172 226 160 221 Other meats........................... 104 85 64 74 82 115 117 135 108 149 Poultry............................... 127 128 104 90 97 99 131 137 144 222 Fish and seafood...................... 92 82 42 77 73 65 96 115 80 214 Eggs.................................. 32 40 25 26 32 35 34 37 29 37 Dairy products......................... 302 246 197 225 276 299 324 368 343 439 Fresh milk and cream.................. 129 126 102 112 115 132 126 166 148 145 Other dairy products.................. 173 120 96 113 161 167 198 202 195 294 Fruits and vegetables.................. 462 353 288 359 389 405 505 584 506 785 Fresh fruits.......................... 145 109 85 107 125 114 157 168 138 303 Fresh vegetables...................... 139 112 79 114 113 121 154 193 157 226 Processed fruits...................... 102 77 72 80 91 93 104 129 115 157 Processed vegetables.................. 76 55 52 57 61 77 90 94 96 99 Other food at home..................... 856 504 480 581 740 793 948 1425 981 1285 Sugar and other sweets................ 119 98 83 86 109 110 127 220 124 142 Fats and oils......................... 84 48 50 66 67 85 113 117 89 113 Miscellaneous foods................... 370 185 198 240 289 347 420 726 413 544 Nonalcoholic beverages................ 227 166 135 165 201 225 242 309 231 368 Food prep. by cu, out-of-town trips... 56 7 14 24 74 26 47 54 124 117 Food away from home..................... 1526 1024 542 763 1094 1133 1420 2275 2142 3409 Alcoholic beverages...................... 267 113 54 107 173 149 240 175 256 1041 Housing.................................. 9345 6590 5257 6355 6732 7723 8412 9800 12051 19106 Shelter................................. 4934 4023 2741 3408 3365 4137 4181 4685 6324 10433 Owned dwellings........................ 3414 2881 1297 1919 1867 2580 2753 3233 5056 8285 Mortgage interest and charges......... 1606 1420 471 881 549 1087 1291 1593 2459 4272 Property taxes........................ 1030 816 459 556 626 777 838 1016 1473 2448 Maintenance, rep., ins., oth. exp..... 778 646 367 482 692 716 624 624 1125 1565 Rented dwellings....................... 1010 945 1400 1306 1214 1239 1051 985 429 531 Other lodging.......................... 510 197 44 182 284 317 377 466 838 1617 Utilities, fuels, and public services... 2190 1593 1493 1864 1951 2018 2127 2207 2663 3374 Natural gas............................ 290 263 224 253 229 289 233 321 343 426 Electricity............................ 879 642 617 745 758 785 823 933 1075 1371 Fuel oil and other fuels............... 132 64 113 113 160 117 167 75 140 194 Telephone.............................. 617 462 372 541 564 574 630 598 780 924 Water and other public services........ 272 163 167 211 241 253 275 280 325 460 Household operations.................... 360 166 89 149 113 177 244 308 473 1330 Personal services...................... 56 0 5 12 8 13 72 64 93 195 Other household expenses............... 304 166 84 137 104 164 172 244 380 1135 Housekeeping supplies................... 508 360 282 303 407 460 489 729 637 931 Laundry and cleaning supplies.......... 131 108 99 96 113 133 136 167 160 166 Other household products............... 243 97 90 140 195 183 214 438 318 537 Postage and stationery................. 134 155 93 66 99 144 138 124 160 228 Household furnishings and equipment..... 1353 448 652 631 896 932 1372 1871 1955 3038 Household textiles..................... 114 36 41 35 45 65 164 171 191 266 Furniture.............................. 305 49 123 150 198 179 316 334 446 776 Floor coverings........................ 149 20 302 45 8 45 98 255 331 169 Major appliances....................... 157 167 51 97 197 133 163 152 241 231 Small appliances, misc. housewares..... 127 61 27 56 73 79 95 134 119 459 Miscellaneous household equipment...... 501 116 107 249 376 429 536 826 627 1136 Apparel and services..................... 1620 964 784 924 1000 1355 1307 2316 2250 3473 Men and boys............................ 403 308 183 237 156 458 316 429 701 713 Men, 16 and over....................... 326 308 153 222 108 294 225 351 613 630 Boys, 2 to 15.......................... 77 0 29 16 48 163 91 78 88 83 Women and girls......................... 691 385 382 338 509 459 539 1108 808 1710 Women, 16 and over..................... 636 374 359 305 482 422 470 1040 694 1615 Girls, 2 to 15......................... 55 10 23 33 27 37 70 68 114 95 Children under 2........................ 49 11 28 34 32 52 58 59 71 73 Footwear................................ 231 139 104 215 165 225 155 444 267 393 Other apparel products and services..... 246 121 88 99 139 161 238 276 403 584 Transportation........................... 5776 2425 2122 4296 3517 5089 6485 6790 8378 10444 Vehicle purchases (net outlay).......... 2395 661 905 2172 1131 2054 2882 2966 3267 4272 Cars and trucks, new................... 1366 457 454 714 223 823 1549 2619 1855 3018 Cars and trucks, used.................. 1024 203 451 1449 900 1231 1333 347 1406 1236 Other vehicles......................... 2 4 0 0 8 8 0 0 0 6 Gasoline and motor oil.................. 1053 668 455 743 821 1045 1122 1166 1593 1558 Other vehicle expenses.................. 1945 975 683 1228 1371 1769 2184 2242 2941 3426 Vehicle finance charges................ 252 58 53 165 203 160 351 268 399 491 Maintenance and repairs................ 726 438 256 434 522 672 815 880 1087 1252 Vehicle insurance...................... 713 402 297 513 520 638 749 878 1043 1164 Veh. rent., leas., licen., oth. chges.. 254 77 77 115 126 299 270 216 412 519 Public transportation................... 383 121 79 154 194 221 298 416 577 1188 Health care.............................. 1946 1699 1136 1742 1814 1761 2098 2029 2162 2949 Health insurance........................ 801 661 577 749 854 718 925 848 686 1150 Medical services........................ 691 651 258 585 560 545 641 694 979 1265 Drugs................................... 359 354 265 365 339 411 417 357 327 390 Medical supplies........................ 95 33 36 43 61 87 115 131 170 145 Entertainment............................ 1701 1849 483 718 1050 1195 2421 1970 2305 3250 Fees and admissions..................... 390 240 65 92 237 223 295 461 663 1112 Television, radios, sound equipment..... 460 253 235 326 374 372 467 469 633 861 Pets, toys, and playground equipment.... 317 112 138 196 208 292 260 466 454 622 Other supplies, equip., and services.... 534 1244 44 104 231 308 1399 574 555 656 Personal care products and services...... 437 233 261 218 347 429 378 535 555 868 Reading.................................. 201 92 69 115 124 172 196 259 304 397 Education................................ 311 33 69 141 89 156 156 241 533 1155 Tobacco products and smoking supplies.... 330 253 210 324 482 342 346 381 339 306 Miscellaneous............................ 956 621 347 446 627 683 1443 1126 1486 1602 Cash contributions....................... 1702 293 294 684 710 642 1279 1955 1632 6821 Personal insurance and pensions.......... 3695 723 359 1051 1292 2323 3344 4468 6432 10879 Life and other personal insurance....... 528 251 157 270 269 354 448 479 760 1515 Pensions and Social Security............ 3166 473 203 781 1023 1970 2896 3990 5672 9364 Money income before taxes 1/.............. 37948 169 7409 12472 17161 24587 34367 44352 58169 114918 Wages and salaries....................... 26723 824 1677 5029 9066 15635 25389 32603 45995 84265 Self-employment income................... 2654 -3291 111 542 739 1172 1594 3015 3151 12833 Soc. Sec., priv. and gov. retirement..... 5694 1645 3740 4635 5420 6014 5462 5696 6022 9960 Int., divid., rent. inc., property inc... 1819 147 197 629 926 864 1207 1811 2180 7184 Unemp. and workers' compen., vet. ben.... 381 87 316 349 540 373 257 688 494 279 Pub. ass., supp. sec. inc., foodstamps... 469 618 1210 1119 398 302 341 117 72 124 Regular contributions for support........ 117 65 50 73 31 70 103 366 120 181 Other income............................. 91 75 110 95 41 157 13 54 135 93 Personal taxes 1/......................... 3797 2261 136 378 1274 1734 2581 3529 6187 14312 Federal income taxes..................... 2847 1588 35 209 832 1244 1825 2578 4758 11101 State and local income taxes............. 703 366 20 59 232 291 548 737 1125 2612 Other taxes.............................. 247 307 81 110 210 200 207 214 304 599 Income after taxes 1/..................... 34151 -2092 7273 12094 15887 22853 31786 40823 51982 100606 Net change in total assets and liabilities 2280 -542 750 -391 1082 1157 -728 -594 -764 17686 Net change in total assets............... 2554 -488 464 -109 379 963 544 -67 2285 15860 Net change in total liabilities.......... 274 54 -286 283 -703 -194 1272 527 3049 -1826 Other money receipts...................... 948 93 35 59 740 444 447 168 2237 3548 Mortgage principal paid, owned property... -1042 -599 -238 -519 -415 -535 -720 -1208 -1753 -3015 Estimated market value of owned home...... 90486 63242 37947 52270 61847 64664 76393 96391 128197 210439 Est. monthly rental value of owned home... 527 331 266 350 372 423 472 599 778 1005 Gifts of goods and services............... 1250 425 424 446 528 869 1101 1590 1967 3395 Food.................................... 105 206 22 19 38 52 112 135 185 228 Housing................................. 325 84 128 109 142 189 347 373 477 954 Housekeeping supplies................. 41 14 23 12 41 40 52 56 45 78 Household textiles.................... 26 17 2 11 4 25 30 23 65 53 Appliances and misc. housewares....... 64 18 13 15 29 27 52 109 57 245 Major appliances.................... 11 12 4 3 6 5 5 24 9 32 Small appl. and misc. housewares.... 54 6 10 13 23 22 47 84 48 212 Miscellaneous household equipment..... 78 30 23 15 41 42 109 132 158 164 Other housing......................... 115 5 68 55 26 56 104 53 151 415 Apparel and services.................... 357 79 153 184 198 437 295 521 642 545 Males 2 and over...................... 123 10 52 36 53 189 75 165 281 163 Females 2 and over.................... 123 40 65 76 95 114 82 180 200 231 Children under 2...................... 43 9 22 26 26 47 48 57 64 68 Other apparel products and services... 68 20 13 47 23 87 91 119 97 84 Jewelry and watches................. 25 6 3 6 6 27 36 29 43 53 All other apparel products and serv. 42 14 10 41 17 60 55 90 54 31 Transportation.......................... 71 5 1 31 14 20 68 63 74 312 Health care............................. 28 9 6 14 5 5 33 80 51 46 Entertainment........................... 116 22 46 41 69 91 110 138 177 281 Toys, games, hobbies, and tricycles... 60 20 29 32 36 47 67 73 87 120 Other entertainment................... 56 2 17 9 33 44 43 65 91 160 Education............................... 123 0 45 13 3 8 13 127 152 649 All other gifts......................... 125 20 24 36 59 67 122 153 208 381 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary