Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 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)... 12,202 947 755 701 1,620 1,716 1,680 2,526 2,258 Income before taxes 1/.................... $47,959 $3,954 $12,616 $17,503 $24,574 $34,731 $44,436 $58,500 $105,342 Income after taxes 1/..................... 44,018 3,643 12,630 16,972 23,410 32,307 41,182 53,583 94,933 Age of reference person................... 39.8 37.9 38.7 37.9 36.9 38.9 39.9 40.30 43.7 Average number in consumer unit:.......... Persons.................................. 4 4 4 4 4 4 4 4 4 Children under 18........................ 1.7 2.1 1.9 1.8 1.9 1.8 1.6 1.6 1.5 Persons 65 and over...................... 0.1 0.1 0.1 0.1 0.1 0 0.1 0 0.1 Earners.................................. 2 1.1 1.3 1.6 1.7 2 2.2 2.2 2.5 Vehicles................................. 2.5 1.4 1.5 1.9 2.1 2.7 2.9 2.9 3 Percent distribution: Male..................................... 72 37 44 65 63 75 82 84 79 Female................................... 28 63 56 35 37 25 18 16 21 Percent homeowner........................ 71 38 32 40 54 70 79 90 94 With mortgage........................... 57 23 16 28 38 54 65 79 81 Without mortgage........................ 14 15 16 12 15 16 13 11 13 Renter................................... 29 62 68 60 46 30 21 10 6 Black.................................... 12 28 27 18 15 9 12 7 6 White and other.......................... 88 72 73 82 85 91 88 93 94 Elementary (1-8)......................... 5 8 13 16 8 4 2 2 1 High school (9-12)....................... 46 62 62 61 58 49 48 41 21 College.................................. 49 30 25 23 34 46 49 57 78 Never attended and other................. 0 0 0 0 0 0 0 0 0 At least one vehicle owned............... 93 71 73 87 94 98 99 97 97 Average annual expenditures............... $43,372 $23,407 $21,537 $25,977 $28,489 $35,395 $42,299 $51,177 $72,981 Food..................................... 6,266 4,529 4,209 5,377 4,650 5,299 6,428 7,046 8,723 Food at home............................ 3,950 3,587 3,432 4,067 3,310 3,398 3,946 4,369 4,582 Cereals and bakery products............ 635 538 523 635 499 535 659 698 782 Cereals and cereal products........... 246 259 237 271 206 207 257 253 270 Bakery products....................... 389 279 285 364 293 328 402 444 513 Meats, poultry, fish, and eggs......... 1,057 1,203 1,092 1,246 950 960 953 1,102 1,089 Beef.................................. 351 356 313 417 329 343 291 394 358 Pork.................................. 219 303 266 313 186 201 206 209 192 Other meats........................... 142 128 152 148 119 128 154 149 150 Poultry............................... 191 233 207 196 165 164 170 183 226 Fish and seafood...................... 115 139 103 115 109 93 97 129 129 Eggs.................................. 39 44 50 56 43 32 33 38 34 Dairy products......................... 427 357 371 388 361 360 424 476 522 Fresh milk and cream.................. 184 169 180 191 179 161 185 199 193 Other dairy products.................. 242 188 191 197 182 198 239 276 329 Fruits and vegetables.................. 588 520 512 591 503 492 581 652 695 Fresh fruits.......................... 175 169 146 186 149 134 177 187 215 Fresh vegetables...................... 185 175 158 196 158 146 172 208 222 Processed fruits...................... 127 105 119 101 101 126 128 137 151 Processed vegetables.................. 101 72 89 107 97 86 105 119 107 Other food at home..................... 1,244 969 935 1,207 996 1,051 1,329 1,442 1,494 Sugar and other sweets................ 171 121 107 188 125 157 182 229 180 Fats and oils......................... 109 114 103 116 100 103 120 105 115 Miscellaneous foods................... 552 432 426 459 439 468 602 618 698 Nonalcoholic beverages................ 352 284 281 422 301 276 355 407 405 Food prep. by cu, out-of-town trips... 59 18 18 21 31 48 69 83 96 Food away from home..................... 2,317 942 777 1,310 1,340 1,901 2,482 2,678 4,140 Alcoholic beverages...................... 292 130 135 113 219 186 233 379 538 Housing.................................. 13,376 8,004 8,016 8,118 9,301 10,902 12,645 15,052 22,506 Shelter................................. 7,424 4,158 4,653 4,428 5,010 6,060 6,920 8,183 12,944 Owned dwellings........................ 5,351 1,646 1,558 1,681 2,381 4,067 5,136 7,012 10,723 Mortgage interest and charges......... 3,442 832 827 973 1,533 2,607 3,361 4,754 6,775 Property taxes........................ 1,145 397 522 322 447 797 1,108 1,429 2,400 Maintenance, rep., ins., oth. exp..... 764 417 209 387 400 663 668 830 1,549 Rented dwellings....................... 1,621 2,417 3,032 2,685 2,474 1,825 1,507 684 853 Other lodging.......................... 451 95 63 63 155 168 277 487 1,368 Utilities, fuels, and public services... 2,728 2,282 2,130 2,331 2,275 2,468 2,644 2,984 3,536 Natural gas............................ 334 285 305 263 292 265 316 349 464 Electricity............................ 1,104 958 878 950 926 1,061 1,081 1,181 1,382 Fuel oil and other fuels............... 105 42 69 86 76 104 110 136 134 Telephone.............................. 842 789 657 774 734 739 793 925 1,048 Water and other public services........ 342 208 220 258 247 299 345 392 508 Household operations.................... 958 409 286 406 584 671 895 1,039 2,026 Personal services...................... 659 253 238 184 487 511 721 771 1,181 Other household expenses............... 299 155 48 222 96 161 174 269 845 Housekeeping supplies................... 528 397 326 288 392 428 494 616 813 Laundry and cleaning supplies.......... 148 123 148 126 112 148 149 158 176 Other household products............... 242 174 123 132 176 200 195 311 377 Postage and stationery................. 138 100 54 30 104 80 150 146 260 Household furnishings and equipment..... 1,738 758 622 664 1,041 1,274 1,691 2,229 3,186 Household textiles..................... 120 26 14 26 125 95 113 168 197 Furniture.............................. 415 214 287 149 316 305 288 372 920 Floor coverings........................ 121 20 62 8 32 43 38 265 233 Major appliances....................... 201 122 79 213 165 195 199 240 258 Small appliances, misc. housewares..... 98 33 25 47 72 100 64 143 159 Miscellaneous household equipment...... 783 342 155 221 331 535 990 1,042 1,420 Apparel and services..................... 2,425 1,272 1,739 1,643 1,656 2,003 2,218 2,739 3,952 Men and boys............................ 618 252 401 427 396 501 657 663 1,043 Men, 16 and over....................... 425 54 217 248 216 367 441 431 850 Boys, 2 to 15.......................... 193 198 184 179 180 134 216 232 192 Women and girls......................... 934 501 495 554 620 771 816 1,078 1,616 Women, 16 and over..................... 690 304 241 429 409 565 605 799 1,286 Girls, 2 to 15......................... 244 197 253 124 211 206 211 278 330 Children under 2........................ 158 71 168 89 166 201 156 176 155 Footwear................................ 406 258 529 360 295 294 380 483 509 Other apparel products and services..... 309 190 147 213 180 236 210 340 629 Transportation........................... 8,185 4,401 3,649 5,407 5,645 7,184 8,474 10,011 12,486 Vehicle purchases (net outlay).......... 3,790 2,008 1,607 2,752 2,762 3,475 4,076 4,567 5,482 Cars and trucks, new................... 1,648 940 771 447 897 1,432 1,270 2,179 3,001 Cars and trucks, used.................. 2,066 1,068 836 2,305 1,814 2,000 2,637 2,258 2,415 Other vehicles......................... 75 0 0 0 51 43 169 130 66 Gasoline and motor oil.................. 1,383 896 773 956 1,108 1,344 1,463 1,612 1,834 Other vehicle expenses.................. 2,610 1,335 1,103 1,504 1,635 2,108 2,725 3,391 4,124 Vehicle finance charges................ 376 138 192 260 297 363 458 449 499 Maintenance and repairs................ 853 660 437 508 531 716 905 1,105 1,205 Vehicle insurance...................... 917 351 392 601 596 776 979 1,213 1,386 Veh. rent., leas., licen., oth. chges.. 464 186 82 135 211 253 383 625 1,034 Public transportation................... 402 161 166 195 141 256 210 441 1,046 Health care.............................. 1,933 1,052 763 1,107 1,420 1,878 2,215 2,229 2,816 Health insurance........................ 882 413 392 565 671 1,026 1,064 1,002 1,113 Medical services........................ 688 452 169 305 471 586 743 819 1,127 Drugs................................... 257 160 155 151 209 179 307 289 382 Medical supplies........................ 106 27 47 86 69 87 102 119 194 Entertainment............................ 2,221 969 853 993 1,407 1,644 1,986 2,867 4,068 Fees and admissions..................... 616 219 132 116 248 350 486 808 1,448 Television, radios, sound equipment..... 754 352 458 441 577 622 745 981 1,104 Pets, toys, and playground equipment.... 454 295 171 266 329 356 437 546 751 Other supplies, equip., and services.... 396 103 92 170 253 315 318 532 766 Personal care products and services...... 529 294 285 379 380 443 520 610 829 Reading.................................. 194 72 61 63 111 162 165 243 381 Education................................ 720 446 134 222 239 373 545 772 1,870 Tobacco products and smoking supplies.... 323 250 428 354 392 319 336 350 224 Miscellaneous............................ 950 1,317 205 487 508 977 873 1,061 1,421 Cash contributions....................... 1,013 142 232 316 385 613 861 1,435 2,251 Personal insurance and pensions.......... 4,944 528 828 1,398 2,176 3,412 4,800 6,383 10,918 Life and other personal insurance....... 558 178 220 228 287 417 490 719 1,103 Pensions and Social Security............ 4,386 350 608 1,170 1,888 2,995 4,309 5,664 9,814 Money income before taxes 1/.............. 47,959 3,954 12,616 17,503 24,574 34,731 44,436 58,500 105,342 Wages and salaries....................... 41,755 3,353 6,177 12,465 20,734 30,011 40,133 53,732 90,660 Self-employment income................... 3,266 (2,743) 809 1,046 1,069 2,129 2,551 2,704 10,898 Soc. Sec., priv. and gov. retirement..... 1,030 523 1,570 1,624 1,069 850 857 848 1,319 Int., divid., rent. inc., property inc... 513 115 18 69 72 466 121 521 1,616 Unemp. and workers' compen., vet. ben.... 380 146 385 420 490 484 438 342 305 Pub. ass., supp. sec. inc., foodstamps... 573 2,345 3,181 1,466 570 158 50 6 22 Regular contributions for support........ 282 117 330 303 471 471 140 204 242 Other income............................. 160 98 145 109 100 162 146 143 280 Personal taxes 1/......................... 3,941 310 (14) 530 1,164 2,424 3,254 4,917 10,409 Federal income taxes..................... 2,896 224 (110) 313 763 1,703 2,389 3,489 7,974 State and local income taxes............. 844 3 62 158 304 564 719 1,141 2,032 Other taxes.............................. 201 83 33 60 97 156 146 287 403 Income after taxes 1/..................... 44,018 3,643 12,630 16,972 23,410 32,307 41,182 53,583 94,933 Net change in total assets and liabilities (1,430) 814 (4,689) 1,691 (2,487) 4,984 (4,799) (1,382) (3,912) Net change in total assets............... 6,120 1,419 382 1,798 1,898 9,710 4,634 8,097 10,547 Net change in total liabilities.......... 7,550 605 5,071 107 4,385 4,726 9,433 9,479 14,458 Other money receipts...................... 474 1,334 60 41 150 575 450 425 617 Mortgage principal paid, owned property... (1,618) (919) (291) (627) (689) (980) (1,306) (2,293) (3,290) Estimated market value of owned home...... 86,621 34,756 24,116 25,095 35,682 67,239 80,218 107,364 181,198 Est. monthly rental value of owned home... 583 253 202 192 345 461 558 735 1,082 Gifts of goods and services............... 989 554 381 631 461 616 970 1,144 1,967 Food.................................... 119 33 11 45 29 33 196 135 270 Housing................................. 278 165 165 163 114 165 221 300 611 Housekeeping supplies................. 47 15 17 8 23 25 30 34 135 Household textiles.................... 9 6 5 0 1 4 8 16 15 Appliances and misc. housewares....... 23 2 3 13 4 17 21 39 44 Major appliances.................... 4 0 2 0 1 1 12 7 2 Small appl. and misc. housewares.... 19 2 0 13 3 16 9 32 41 Miscellaneous household equipment..... 60 17 13 25 7 59 43 92 117 Other housing......................... 140 125 127 116 79 59 118 119 300 Apparel and services.................... 253 82 137 240 138 242 252 276 417 Males 2 and over...................... 61 3 40 42 14 81 67 49 123 Females 2 and over.................... 93 30 32 85 27 63 85 115 183 Children under 2...................... 56 36 52 23 50 75 53 66 59 Other apparel products and services... 42 13 14 89 47 24 48 46 52 Jewelry and watches................. 15 7 3 2 4 8 13 22 31 All other apparel products and serv. 28 7 12 87 43 15 35 24 21 Transportation.......................... 49 5 9 18 13 35 43 92 84 Health care............................. 24 167 2 2 13 1 6 14 29 Entertainment........................... 81 22 25 48 67 35 108 111 127 Toys, games, hobbies, and tricycles... 31 9 8 25 26 18 40 35 50 Other entertainment................... 50 14 18 22 42 17 68 76 76 Education............................... 100 54 15 10 48 22 94 99 281 All other gifts......................... 85 26 17 107 39 83 50 117 149 __________________________________________ 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. 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.