Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1991-92 Complete reporting of income Complete Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to and of income $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over __________________________________________________________________________________________ Number of consumer units (in thousands)... 12301 946 799 860 1756 1927 1700 2398 1913 Income before taxes 1/.................... 46961 6489 12402 17546 25344 34818 44665 58441 114353 Income after taxes 1/..................... 42438 6317 12285 16948 23453 31952 40701 53319 100243 Age of reference person................... 39.8 37.9 36.6 39.8 37.4 39.2 39.5 41.4 43.4 Average number in consumer unit:.......... Persons.................................. 4 4 4 4 4 4 4 4 4 Children under 18........................ 1.7 2 2.1 1.8 1.7 1.7 1.7 1.5 1.5 Persons 65 and over...................... 0.1 0.1 0.1 0.1 0.1 0.1 0 0 0 Earners.................................. 2 1.1 1.3 1.7 1.9 2.1 2.1 2.3 2.4 Vehicles................................. 2.6 1.3 1.5 2.1 2.5 2.8 3 2.9 3.1 Percent distribution: Male..................................... 76 41 42 70 78 83 86 85 82 Female................................... 24 59 58 30 22 17 14 15 18 Percent homeowner........................ 73 40 34 60 63 75 80 90 93 With mortgage........................... 62 27 25 46 52 58 69 82 85 Without mortgage........................ 11 13 9 14 12 17 11 8 8 Renter................................... 27 60 66 40 37 25 20 10 7 Black.................................... 11 28 30 14 13 9 8 6 5 White and other.......................... 89 72 70 86 87 91 92 94 95 Elementary (1-8)......................... 6 15 15 15 7 4 2 2 1 High school (9-12)....................... 43 60 62 56 54 46 47 32 21 College.................................. 51 24 22 29 39 50 51 66 79 Never attended and other................. 0 1 0 0 0 0 0 0 0 At least one vehicle owned............... 94 69 80 95 96 98 98 99 98 Average annual expenditures............... 40993 18182 18718 24380 30176 34828 42911 49106 73123 Food..................................... 5955 3668 3962 4538 4946 5487 6348 7032 8174 Food at home............................ 3813 2849 2911 3094 3292 3675 3956 4302 4827 Cereals and bakery products............ 591 383 450 428 500 560 620 699 775 Cereals and cereal products........... 220 164 198 167 203 199 233 256 259 Bakery products....................... 372 218 252 261 297 361 387 444 516 Meats, poultry, fish, and eggs......... 1019 871 873 901 878 1000 1012 1081 1267 Beef.................................. 340 296 267 297 313 347 336 356 412 Pork.................................. 217 219 235 194 193 227 212 228 223 Other meats........................... 147 109 138 145 120 140 162 168 163 Poultry............................... 162 112 108 137 134 154 176 178 218 Fish and seafood...................... 110 92 68 97 79 90 88 114 197 Eggs.................................. 42 43 58 31 38 42 38 37 55 Dairy products......................... 436 323 310 340 398 427 471 506 515 Fresh milk and cream.................. 194 158 165 150 198 209 215 215 185 Other dairy products.................. 242 165 145 190 200 218 256 291 330 Fruits and vegetables.................. 559 407 429 424 483 505 572 614 783 Fresh fruits.......................... 164 101 127 107 130 161 163 181 247 Fresh vegetables...................... 163 151 141 118 139 150 167 173 217 Processed fruits...................... 130 68 91 111 114 110 129 149 194 Processed vegetables.................. 101 87 70 89 100 84 113 110 125 Other food at home..................... 1208 865 849 1002 1033 1183 1280 1402 1487 Sugar and other sweets................ 152 107 113 136 122 142 169 179 181 Fats and oils......................... 96 72 89 84 98 92 100 104 105 Miscellaneous foods................... 591 417 387 492 512 584 635 690 715 Nonalcoholic beverages................ 316 260 249 261 274 315 326 352 379 Food prep. by cu, out-of-town trips... 53 9 11 29 27 49 50 76 107 Food away from home..................... 2142 820 1051 1443 1655 1812 2392 2731 3347 Alcoholic beverages...................... 254 78 93 272 220 175 216 287 490 Housing.................................. 12794 6521 6525 8346 9682 10837 12761 14983 22610 Shelter................................. 7133 3589 3726 4610 5110 5808 6910 8329 13334 Owned dwellings........................ 5338 1727 1088 2735 3099 4039 5122 7078 11445 Mortgage interest and charges......... 3671 1069 705 1801 2106 2647 3533 4987 7980 Property taxes........................ 1017 411 221 557 547 784 974 1275 2236 Maintenance, rep., ins., oth. exp..... 650 247 162 376 446 609 616 816 1229 Rented dwellings....................... 1367 1818 2603 1732 1807 1581 1376 747 616 Other lodging.......................... 427 44 34 142 205 188 412 504 1272 Utilities, fuels, and public services... 2461 1826 1765 1989 2309 2283 2469 2755 3224 Natural gas............................ 308 275 244 209 226 284 304 381 408 Electricity............................ 1038 748 743 863 989 1002 1038 1136 1342 Fuel oil and other fuels............... 113 63 19 95 138 93 128 114 168 Telephone.............................. 692 546 575 599 672 621 672 750 889 Water and other public services........ 310 194 185 222 283 283 328 374 417 Household operations.................... 902 200 206 302 517 511 1086 1134 2105 Personal services...................... 615 136 136 225 403 374 810 844 1204 Other household expenses............... 288 64 71 77 114 137 276 290 901 Housekeeping supplies................... 624 311 310 518 460 513 720 779 921 Laundry and cleaning supplies.......... 182 144 147 112 154 183 212 193 233 Other household products............... 302 99 121 325 200 220 376 387 454 Postage and stationery................. 140 69 43 81 106 110 132 200 234 Household furnishings and equipment..... 1673 595 517 927 1286 1723 1576 1986 3027 Household textiles..................... 120 69 25 93 103 106 155 111 206 Furniture.............................. 476 237 194 277 311 454 502 436 999 Floor coverings........................ 132 30 6 58 99 520 49 90 40 Major appliances....................... 189 82 104 158 115 198 168 216 333 Small appliances, misc. housewares..... 108 53 29 73 72 64 109 121 242 Miscellaneous household equipment...... 648 123 158 268 587 381 593 1012 1206 Apparel and services..................... 2409 1344 1166 1294 1596 2048 2332 3000 4338 Men and boys............................ 622 281 231 287 452 549 689 775 1076 Men, 16 and over....................... 440 147 149 190 274 326 481 542 914 Boys, 2 to 15.......................... 181 134 82 97 178 223 208 233 163 Women and girls......................... 955 609 511 362 468 743 871 1284 1865 Women, 16 and over..................... 711 506 377 219 292 531 588 931 1542 Girls, 2 to 15......................... 243 104 134 143 176 212 283 354 323 Children under 2........................ 142 158 120 128 156 143 127 145 150 Footwear................................ 352 163 142 373 225 380 296 387 600 Other apparel products and services..... 338 132 163 144 294 233 348 409 647 Transportation........................... 7123 3144 3345 3582 5717 6001 7994 8108 12676 Vehicle purchases (net outlay).......... 2984 1480 1571 907 2472 2239 3529 3121 5815 Cars and trucks, new................... 1388 649 841 214 684 672 1400 1158 4155 Cars and trucks, used.................. 1568 831 730 685 1788 1562 2060 1937 1582 Other vehicles......................... 28 0 0 8 0 6 69 25 78 Gasoline and motor oil.................. 1369 744 743 1141 1260 1330 1496 1590 1792 Other vehicle expenses.................. 2502 812 872 1379 1820 2248 2759 3124 4396 Vehicle finance charges................ 401 124 148 239 330 349 475 524 615 Maintenance and repairs................ 909 292 334 532 615 912 1052 1144 1473 Vehicle insurance...................... 831 319 287 455 649 771 905 1047 1373 Veh. rent., leas., licen., oth. chges.. 360 77 104 154 226 216 326 410 935 Public transportation................... 269 107 158 155 165 183 210 273 674 Health care.............................. 1802 715 756 1368 1637 1707 1897 2207 2623 Health insurance........................ 725 260 282 587 654 884 740 837 951 Medical services........................ 738 270 288 504 649 540 811 913 1257 Drugs................................... 230 120 135 223 256 199 220 296 256 Medical supplies........................ 110 65 51 54 78 84 126 161 159 Entertainment............................ 2290 858 797 1113 1340 1870 2906 3104 3876 Fees and admissions..................... 552 150 91 196 284 394 548 713 1311 Television, radios, sound equipment..... 654 464 387 374 475 573 647 822 1028 Pets, toys, and playground equipment.... 398 185 251 251 282 396 413 507 587 Other supplies, equip., and services.... 686 60 68 292 298 508 1297 1063 951 Personal care products and services...... 524 247 286 348 407 450 511 639 879 Reading.................................. 198 71 61 105 128 162 212 286 336 Education................................ 643 133 139 352 311 453 602 705 1691 Tobacco products and smoking supplies.... 343 350 286 448 332 367 366 358 262 Miscellaneous............................ 1010 551 332 640 794 1039 1118 1088 1654 Cash contributions....................... 938 117 141 508 638 565 957 1123 2270 Personal insurance and pensions.......... 4711 384 831 1467 2430 3666 4691 6186 11243 Life and other personal insurance....... 524 175 165 215 358 506 540 612 1029 Pensions and Social Security............ 4187 209 666 1252 2072 3160 4151 5574 10214 Money income before taxes 1/.............. 46961 6489 12402 17546 25344 34818 44665 58441 114353 Wages and salaries....................... 39434 1791 7198 13344 21697 31055 40322 52590 90676 Self-employment income................... 4531 435 701 882 1564 1594 2042 3469 19020 Soc. Sec., priv. and gov. retirement..... 1021 883 881 1396 1035 1098 997 792 1195 Int., divid., rent. inc., property inc... 644 53 34 106 139 291 500 539 2508 Unemp. and workers' compen., vet. ben.... 353 154 281 573 346 233 433 333 464 Pub. ass., supp. sec. inc., foodstamps... 533 2994 2860 486 229 157 97 52 12 Regular contributions for support........ 341 115 399 666 262 311 193 427 409 Other income............................. 106 63 47 93 73 80 81 239 69 Personal taxes 1/......................... 4523 172 116 598 1891 2866 3963 5122 14110 Federal income taxes..................... 3374 45 -2 370 1386 2102 2924 3723 10846 State and local income taxes............. 976 37 97 176 388 651 914 1146 2876 Other taxes.............................. 174 90 21 53 117 114 125 254 388 Income after taxes 1/..................... 42438 6317 12285 16948 23453 31952 40701 53319 100243 Net change in total assets and liabilities -4424 192 -3457 -15442 -3108 -4526 -6571 -639 -6102 Net change in total assets............... 3267 537 -181 -12037 514 2641 2094 7836 11410 Net change in total liabilities.......... 7692 345 3276 3406 3622 7167 8664 8475 17512 Other money receipts...................... 439 26 43 738 97 115 273 339 1590 Mortgage principal paid, owned property... -1551 -422 -207 -434 -692 -698 -945 -1537 -5377 Estimated market value of owned home...... 86615 28597 20420 39671 49025 62732 80853 105088 204573 Est. monthly rental value of owned home... 541 201 155 297 322 421 592 692 1066 Gifts of goods and services............... 963 243 361 423 653 637 871 1283 2098 Food.................................... 89 17 10 45 33 58 80 127 219 Housing................................. 321 89 100 117 297 164 271 453 677 Housekeeping supplies................. 48 11 20 16 37 30 81 59 75 Household textiles.................... 10 6 0 1 4 2 11 6 37 Appliances and misc. housewares....... 31 4 14 5 41 19 19 34 74 Major appliances.................... 5 3 11 3 5 3 3 9 4 Small appl. and misc. housewares.... 26 2 4 3 36 16 16 25 70 Miscellaneous household equipment..... 91 5 7 17 90 50 73 185 145 Other housing......................... 141 63 58 78 126 63 87 169 347 Apparel and services.................... 218 72 152 117 174 185 220 297 331 Males 2 and over...................... 52 9 43 16 52 31 51 73 91 Females 2 and over.................... 75 18 41 49 50 56 56 119 130 Children under 2...................... 48 22 30 33 44 62 43 54 64 Other apparel products and services... 42 22 38 19 28 35 70 51 46 Jewelry and watches................. 23 0 4 5 9 11 51 40 32 All other apparel products and serv. 18 22 34 14 19 25 20 11 15 Transportation.......................... 53 2 2 18 20 90 27 55 127 Health care............................. 12 7 2 6 7 8 6 23 20 Entertainment........................... 64 16 49 38 32 51 50 90 130 Toys, games, hobbies, and tricycles... 28 2 44 20 18 25 26 36 41 Other entertainment................... 37 14 5 18 14 26 24 54 89 Education............................... 97 24 2 6 10 24 40 128 381 All other gifts......................... 109 18 44 78 80 58 177 109 212 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary