Table 3. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1993-94 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)... 26,266 866 2,024 2,844 2,936 4,755 3,578 2,586 3,367 3,310 Income before taxes 1/.................... $38,277 ($3,660) $7,564 $12,566 $17,322 $24,731 $34,433 $44,401 $58,569 $106,902 Income after taxes 1/..................... 34,928 (4,621) 7,327 12,262 16,925 23,389 31,945 40,704 52,411 95,104 Age of reference person................... 52.9 47.7 52.3 58.6 58.6 55.0 51.4 49.5 49.3 49.5 Average number in consumer unit:.......... Persons.................................. 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................ 0.1 0.3 0.2 0.1 0.1 0.1 0.1 0.1 0.0 0.0 Persons 65 and over...................... 0.5 0.3 0.6 0.9 0.9 0.7 0.5 0.4 0.3 0.2 Earners.................................. 1.2 0.8 0.7 0.7 0.8 1.0 1.4 1.5 1.7 1.7 Vehicles................................. 2.2 1.4 1.3 1.7 1.9 2.1 2.4 2.5 2.6 2.8 Percent distribution: Male..................................... 72 54 50 61 72 72 74 76 82 81 Female................................... 28 46 50 39 28 28 26 24 18 19 Percent homeowner........................ 72 48 50 65 68 71 75 78 79 90 With mortgage........................... 35 18 11 18 17 28 39 46 51 64 Without mortgage........................ 37 30 38 47 52 43 36 32 28 26 Renter................................... 28 52 50 35 32 29 25 22 21 10 Black.................................... 8 26 20 12 6 8 7 4 4 5 White and other.......................... 92 74 80 88 94 92 93 96 96 95 Elementary (1-8)......................... 10 20 22 25 18 8 3 3 2 1 High school (9-12)....................... 43 40 48 48 56 51 50 37 32 20 College.................................. 47 40 29 27 26 41 46 60 66 79 Never attended and other................. 0 0 1 0 0 0 0 0 0 0 At least one vehicle owned............... 93 78 74 89 94 96 98 98 97 97 Average annual expenditures............... $33,606 $19,106 $16,617 $19,311 $21,884 $26,995 $31,599 $39,045 $45,628 $66,533 Food..................................... 4,484 3,220 3,125 3,040 3,539 3,872 4,563 5,104 5,915 6,942 Food at home............................ 2,651 2,285 2,441 2,185 2,442 2,581 2,660 2,870 2,973 3,139 Cereals and bakery products............ 411 310 323 338 402 400 433 465 454 480 Cereals and cereal products........... 142 148 118 116 142 140 158 157 141 154 Bakery products....................... 269 162 205 222 260 260 275 307 314 326 Meats, poultry, fish, and eggs......... 685 767 677 578 666 705 652 705 705 760 Beef.................................. 213 187 208 184 217 219 202 236 220 222 Pork.................................. 149 134 159 135 140 177 144 144 146 139 Other meats........................... 89 75 90 70 99 92 81 92 85 106 Poultry............................... 117 113 136 95 97 111 101 133 136 143 Fish and seafood...................... 88 223 58 60 72 77 99 75 93 127 Eggs.................................. 29 34 27 34 41 29 25 26 25 22 Dairy products......................... 280 198 236 252 274 278 282 298 326 304 Fresh milk and cream.................. 112 84 100 118 119 121 110 108 117 102 Other dairy products.................. 168 114 137 134 155 156 172 191 209 202 Fruits and vegetables.................. 451 388 372 360 426 447 437 494 507 566 Fresh fruits.......................... 140 102 109 113 118 141 139 151 168 177 Fresh vegetables...................... 143 150 121 104 143 137 133 150 152 198 Processed fruits...................... 91 61 73 78 89 92 86 106 97 108 Processed vegetables.................. 78 75 68 64 76 77 79 88 90 83 Other food at home..................... 824 622 832 658 674 753 856 908 979 1,028 Sugar and other sweets................ 120 85 267 106 94 92 127 117 119 123 Fats and oils......................... 79 76 81 74 74 79 78 77 88 84 Miscellaneous foods................... 343 290 256 264 278 315 391 396 414 431 Nonalcoholic beverages................ 221 152 214 184 185 220 212 247 271 255 Food prep. by cu, out-of-town trips... 60 19 14 30 43 47 49 70 87 135 Food away from home..................... 1,834 935 683 854 1,096 1,292 1,904 2,234 2,942 3,803 Alcoholic beverages...................... 332 223 140 163 167 236 300 414 528 738 Housing.................................. 10,075 6,865 5,442 6,460 6,662 8,312 9,067 11,285 13,149 19,588 Shelter................................. 5,528 3,890 2,675 3,236 3,353 4,333 5,027 6,159 7,451 11,410 Owned dwellings........................ 3,502 2,079 925 1,549 1,654 2,399 3,081 3,982 5,135 8,776 Mortgage interest and charges......... 1,662 598 283 464 462 836 1,390 2,078 2,783 4,895 Property taxes........................ 1,048 850 374 561 633 912 1,014 1,138 1,364 2,138 Maintenance, rep., ins., oth. exp..... 792 631 268 524 560 651 676 766 988 1,743 Rented dwellings....................... 1,492 1,473 1,630 1,441 1,446 1,544 1,610 1,658 1,662 991 Other lodging.......................... 534 338 120 245 254 391 336 519 655 1,643 Utilities, fuels, and public services... 2,232 1,843 1,724 1,904 1,927 2,099 2,159 2,371 2,440 3,148 Natural gas............................ 288 210 226 241 258 268 290 303 305 408 Electricity............................ 894 733 690 805 777 885 876 911 944 1,210 Fuel oil and other fuels............... 112 106 91 84 132 112 114 129 117 109 Telephone.............................. 678 599 551 546 539 600 632 746 774 1,020 Water and other public services........ 261 195 167 228 221 233 247 281 299 400 Household operations.................... 384 238 137 179 280 373 253 342 399 1,017 Personal services...................... 78 39 55 51 79 127 72 75 29 112 Other household expenses............... 306 199 82 128 201 246 180 267 370 905 Housekeeping supplies................... 473 311 285 329 360 407 452 618 651 712 Laundry and cleaning supplies.......... 113 74 88 79 103 122 119 125 132 131 Other household products............... 221 180 138 112 158 182 211 311 301 370 Postage and stationery................. 139 57 59 138 99 104 123 182 218 211 Household furnishings and equipment..... 1,457 583 622 812 742 1,098 1,176 1,794 2,208 3,299 Household textiles..................... 118 59 87 39 74 101 105 142 145 271 Furniture.............................. 348 192 106 242 203 265 280 377 526 747 Floor coverings........................ 107 16 19 14 45 132 50 171 143 265 Major appliances....................... 165 60 102 123 100 153 125 219 197 307 Small appliances, misc. housewares..... 101 30 56 63 56 71 103 136 138 202 Miscellaneous household equipment...... 618 226 251 331 265 377 514 750 1,059 1,507 Apparel and services..................... 1,637 1,210 1,192 639 1,018 1,415 1,612 1,737 2,207 3,307 Men and boys............................ 405 295 276 207 303 367 350 409 506 821 Men, 16 and over....................... 360 280 233 174 260 327 292 378 459 749 Boys, 2 to 15.......................... 44 15 42 33 42 41 58 31 47 73 Women and girls......................... 665 501 488 264 384 585 788 619 969 1,242 Women, 16 and over..................... 627 474 456 237 342 547 730 573 943 1,209 Girls, 2 to 15......................... 38 27 33 27 43 38 59 46 27 34 Children under 2........................ 43 65 29 20 24 43 26 48 62 84 Footwear................................ 208 185 306 47 177 225 223 238 260 221 Other apparel products and services..... 317 164 94 102 130 195 225 423 411 938 Transportation........................... 6,139 3,553 2,320 3,255 4,218 5,271 6,209 7,615 8,358 11,113 Vehicle purchases (net outlay).......... 2,577 1,059 676 1,149 1,765 2,246 2,797 3,471 3,590 4,595 Cars and trucks, new................... 1,440 419 250 460 677 1,094 1,611 2,118 2,205 2,960 Cars and trucks, used.................. 1,113 640 427 686 1,060 1,152 1,130 1,350 1,319 1,604 Other vehicles......................... 24 0 0 2 28 0 56 2 66 31 Gasoline and motor oil.................. 1,022 737 646 746 791 998 1,076 1,165 1,225 1,426 Other vehicle expenses.................. 2,089 1,409 908 1,167 1,371 1,744 2,058 2,457 2,856 3,893 Vehicle finance charges................ 239 59 63 104 126 184 269 365 375 420 Maintenance and repairs................ 709 567 366 442 505 583 699 862 956 1,204 Vehicle insurance...................... 761 467 342 494 554 710 796 898 998 1,191 Veh. rent., leas., licen., oth. chges.. 380 317 137 128 186 268 294 333 527 1,077 Public transportation................... 451 348 89 193 291 282 278 522 687 1,200 Health care.............................. 2,221 1,093 1,519 2,174 2,516 2,263 2,155 2,174 2,268 2,738 Health insurance........................ 1,085 546 775 1,224 1,299 1,161 1,071 1,041 942 1,192 Medical services........................ 600 273 342 378 440 552 601 683 790 991 Drugs................................... 410 191 349 482 537 450 386 333 394 383 Medical supplies........................ 126 84 53 91 240 99 96 116 142 171 Entertainment............................ 1,694 933 734 999 875 1,203 1,474 2,097 2,400 3,743 Fees and admissions..................... 471 370 127 214 217 292 352 615 596 1,302 Television, radios, sound equipment..... 531 371 312 328 369 420 535 650 763 861 Pets, toys, and playground equipment.... 327 110 138 188 186 264 349 396 518 587 Other supplies, equip., and services.... 364 83 157 268 104 227 238 436 524 993 Personal care products and services...... 435 195 312 276 350 342 477 497 614 695 Reading.................................. 203 98 72 116 131 164 200 260 278 385 Education................................ 351 193 214 242 289 224 195 367 433 882 Tobacco products and smoking supplies.... 266 289 275 252 263 258 312 283 260 225 Miscellaneous............................ 835 489 554 574 466 690 843 1,210 1,109 1,281 Cash contributions....................... 1,388 402 339 447 440 1,058 1,151 1,476 1,739 4,241 Personal insurance and pensions.......... 3,544 342 381 673 950 1,688 3,041 4,525 6,368 10,656 Life and other personal insurance....... 474 138 160 271 280 342 407 513 618 1,185 Pensions and Social Security............ 3,071 204 221 403 670 1,346 2,635 4,013 5,751 9,470 Money income before taxes 1/.............. 38,277 (3,660) 7,564 12,566 17,322 24,731 34,433 44,401 58,569 106,902 Wages and salaries....................... 26,354 1,199 1,953 3,927 6,816 12,575 22,634 32,486 46,514 82,979 Self-employment income................... 2,042 (7,275) 176 349 148 808 1,473 1,723 3,389 10,023 Soc. Sec., priv. and gov. retirement..... 7,314 1,163 3,444 6,996 9,326 9,605 8,095 7,493 5,642 7,201 Int., divid., rent. inc., property inc... 1,687 39 131 207 359 1,004 1,402 1,968 2,449 5,814 Unemp. and workers' compen., vet. ben.... 305 123 228 271 265 312 410 338 231 390 Pub. ass., supp. sec. inc., foodstamps... 256 924 1,427 555 165 113 18 39 28 52 Regular contributions for support........ 214 68 115 169 167 213 308 299 163 276 Other income............................. 106 99 89 91 76 103 93 56 153 166 Personal taxes 1/......................... 3,349 961 238 304 397 1,343 2,488 3,697 6,158 11,798 Federal income taxes..................... 2,504 647 66 158 210 896 1,737 2,697 4,707 9,276 State and local income taxes............. 627 145 21 66 85 261 489 737 1,222 2,067 Other taxes.............................. 219 169 151 79 101 186 262 263 229 455 Income after taxes 1/..................... 34,928 (4,621) 7,327 12,262 16,925 23,389 31,945 40,704 52,411 95,104 Net change in total assets and liabilities (1,656) 371 (490) 865 (2,330) (669) (3,356) (3,338) (4,213) (132) Net change in total assets............... 4,108 426 140 1,030 46 731 2,394 6,535 7,822 14,775 Net change in total liabilities.......... 5,764 54 630 165 2,376 1,400 5,750 9,873 12,035 14,907 Other money receipts...................... 707 12 219 258 253 902 472 1,051 567 1,821 Mortgage principal paid, owned property... (830) (338) (164) (442) (269) (480) (846) (859) (1,404) (2,077) Estimated market value of owned home...... 80,148 58,484 33,979 52,239 53,915 60,677 70,647 84,667 95,534 180,368 Est. monthly rental value of owned home... 529 383 229 361 393 443 480 577 661 1,021 Gifts of goods and services............... 1,259 685 577 540 840 829 990 1,363 1,948 3,043 Food.................................... 99 5 33 25 48 48 115 98 206 227 Housing................................. 306 196 172 158 141 207 290 344 514 639 Housekeeping supplies................. 48 10 27 35 29 45 43 65 79 71 Household textiles.................... 20 17 17 4 6 19 13 30 40 34 Appliances and misc. housewares....... 37 24 14 9 14 21 39 52 60 89 Major appliances.................... 8 11 2 2 2 6 6 12 14 20 Small appl. and misc. housewares.... 29 13 11 7 12 15 33 40 46 69 Miscellaneous household equipment..... 85 44 16 36 31 59 100 79 178 177 Other housing......................... 115 100 98 74 60 63 96 117 156 267 Apparel and services.................... 314 200 188 129 246 296 273 308 394 679 Males 2 and over...................... 105 156 63 55 104 99 100 72 106 213 Females 2 and over.................... 109 9 66 40 74 111 98 107 156 236 Children under 2...................... 39 18 18 18 22 33 26 48 62 83 Other apparel products and services... 61 17 41 16 47 52 49 81 70 147 Jewelry and watches................. 30 17 3 11 13 28 18 42 32 84 All other apparel products and serv. 32 0 38 5 34 24 31 38 38 63 Transportation.......................... 73 25 24 30 38 40 35 112 118 202 Health care............................. 27 56 4 8 25 21 8 9 50 74 Entertainment........................... 106 37 30 36 69 85 99 171 161 198 Toys, games, hobbies, and tricycles... 46 13 10 18 31 43 47 73 69 71 Other entertainment................... 60 24 20 18 38 42 52 98 92 127 Education............................... 155 2 6 53 122 55 29 96 210 672 All other gifts......................... 179 165 120 102 151 79 140 226 295 352 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.