Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | Complete reporting of income |___________________________________________________________________________________________________ Item | | | | | | | | | | | Total | Less | $5,000 | $10,000 | $15,000 | $20,000 | $30,000 | $40,000 | $50,000 | $70,000 | complete| than | to | to | to | to | to | to | to | and |reporting| $5,000 | $9,999 | $14,999 | $19,999 | $29,999 | $39,999 | $49,999 | $69,999 | over ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | | | Number of consumer units (in | | | | | | | | | | thousands)......................| 19,522 | 584 | 1,001 | 1,340 | 1,295 | 2,618 | 2,737 | 2,163 | 3,914 | 3,869 Income before taxes(1).............| $48,582 | $1,419 | $7,661 | $12,578 | $17,356 | $24,777 | $34,701 | $44,418 | $58,617 |$107,320 Income after taxes(1)..............| 44,349 | 1,534 | 7,224 | 12,678 | 17,167 | 23,418 | 31,996 | 40,617 | 53,259 | 96,464 Age of reference person............| 39.5 | 39.3 | 39.1 | 39.2 | 39.2 | 39.2 | 39.4 | 39.3 | 39.5 | 40.0 Average number in consumer unit: | | | | | | | | | | Persons...........................| 3.2 | 2.7 | 2.6 | 3.1 | 3.0 | 2.9 | 3.1 | 3.3 | 3.5 | 3.5 Children under 18.................| 1.3 | 1.2 | 1.2 | 1.4 | 1.4 | 1.2 | 1.3 | 1.3 | 1.4 | 1.4 Persons 65 and over...............| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2) Earners...........................| 1.7 | 1.0 | .8 | 1.2 | 1.4 | 1.5 | 1.8 | 1.9 | 2.0 | 2.1 Vehicles..........................| 2.2 | 1.3 | .9 | 1.4 | 1.8 | 1.8 | 2.2 | 2.6 | 2.7 | 2.6 Percent distribution: | | | | | | | | | | Male..............................| 63 | 45 | 37 | 42 | 53 | 54 | 64 | 74 | 73 | 75 Female............................| 37 | 55 | 63 | 58 | 47 | 46 | 36 | 26 | 27 | 25 Percent homeowner.................| 64 | 32 | 27 | 38 | 41 | 51 | 60 | 72 | 80 | 87 With mortgage....................| 52 | 20 | 13 | 22 | 25 | 36 | 46 | 62 | 71 | 79 Without mortgage.................| 12 | 12 | 14 | 16 | 16 | 15 | 14 | 9 | 9 | 8 Renter............................| 36 | 68 | 73 | 62 | 59 | 49 | 40 | 28 | 20 | 13 Black.............................| 13 | 20 | 31 | 22 | 15 | 16 | 12 | 10 | 8 | 8 White and other...................| 87 | 80 | 69 | 78 | 85 | 84 | 88 | 90 | 92 | 92 Elementary (1-8)..................| 4 | 7 | 9 | 8 | 10 | 8 | 3 | 2 | 1 | (3) High school (9-12)................| 39 | 56 | 61 | 54 | 53 | 44 | 43 | 38 | 35 | 19 College...........................| 57 | 37 | 30 | 39 | 37 | 48 | 54 | 60 | 63 | 81 Never attended and other..........| (2)| (4)| (3)| (4)| (4)| (4)| (4)| (4)| (4)| (4) At least one vehicle owned........| 90 | 67 | 58 | 78 | 86 | 89 | 94 | 97 | 97 | 95 Average annual expenditures........| $42,260 | $22,579 | $16,681 | $20,845 | $24,741 | $29,107 | $34,853 | $41,080 | $48,941 | $72,809 Food..............................| 5,876 | 3,764 | 3,609 | 3,874 | 4,388 | 4,636 | 5,215 | 5,685 | 6,554 | 8,554 Food at home.....................| 3,560 | 2,511 | 2,928 | 2,676 | 3,021 | 3,070 | 3,324 | 3,456 | 3,764 | 4,639 Cereals and bakery products.....| 569 | 445 | 418 | 419 | 439 | 456 | 532 | 538 | 622 | 774 Cereals and cereal products....| 213 | 147 | 165 | 196 | 199 | 183 | 202 | 181 | 219 | 285 Bakery products................| 356 | 298 | 253 | 223 | 240 | 273 | 330 | 357 | 403 | 489 Meats, poultry, fish, and eggs..| 903 | 640 | 838 | 758 | 935 | 844 | 882 | 852 | 940 | 1,042 Beef...........................| 272 | 153 | 225 | 240 | 288 | 251 | 289 | 254 | 299 | 296 Pork...........................| 189 | 112 | 208 | 178 | 223 | 190 | 192 | 182 | 185 | 197 Other meats....................| 126 | 118 | 120 | 102 | 108 | 121 | 103 | 122 | 144 | 147 Poultry........................| 173 | 126 | 168 | 129 | 163 | 156 | 162 | 172 | 177 | 211 Fish and seafood...............| 104 | 102 | 74 | 72 | 108 | 86 | 96 | 87 | 100 | 154 Eggs...........................| 38 | 29 | 43 | 38 | 45 | 41 | 41 | 37 | 35 | 37 Dairy products..................| 410 | 281 | 283 | 256 | 316 | 344 | 400 | 401 | 444 | 555 Fresh milk and cream...........| 177 | 137 | 133 | 124 | 141 | 169 | 180 | 184 | 190 | 206 Other dairy products...........| 233 | 144 | 150 | 132 | 175 | 175 | 220 | 217 | 254 | 349 Fruits and vegetables...........| 554 | 441 | 476 | 462 | 494 | 469 | 484 | 524 | 551 | 760 Fresh fruits...................| 169 | 142 | 125 | 136 | 143 | 140 | 142 | 157 | 180 | 238 Fresh vegetables...............| 162 | 110 | 153 | 158 | 147 | 135 | 144 | 144 | 153 | 227 Processed fruits...............| 127 | 114 | 103 | 90 | 114 | 109 | 103 | 131 | 123 | 177 Processed vegetables...........| 96 | 74 | 94 | 78 | 89 | 85 | 95 | 91 | 94 | 119 Other food at home..............| 1,124 | 705 | 914 | 781 | 838 | 956 | 1,025 | 1,141 | 1,207 | 1,507 Sugar and other sweets.........| 139 | 74 | 118 | 95 | 108 | 113 | 126 | 138 | 160 | 183 Fats and oils..................| 95 | 96 | 90 | 77 | 95 | 85 | 90 | 97 | 105 | 102 Miscellaneous foods............| 519 | 272 | 442 | 336 | 378 | 438 | 456 | 517 | 556 | 729 Nonalcoholic beverages.........| 311 | 210 | 239 | 253 | 230 | 298 | 305 | 321 | 317 | 384 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 59 | (5)52 | 24 | 21 | 26 | 23 | 47 | 68 | 70 | 109 Food away from home..............| 2,316 | 1,253 | 681 | 1,198 | 1,366 | 1,566 | 1,891 | 2,229 | 2,790 | 3,915 Alcoholic beverages...............| 368 | 202 | 166 | 125 | 201 | 227 | 328 | 346 | 377 | 691 Housing...........................| 13,362 | 8,634 | 6,212 | 7,749 | 8,469 | 9,415 | 10,464 | 12,528 | 15,174 | 22,827 Shelter..........................| 7,747 | 5,277 | 3,616 | 4,456 | 4,883 | 5,271 | 5,956 | 7,587 | 8,572 | 13,485 Owned dwellings.................| 5,203 | 2,529 | 963 | 1,472 | 1,590 | 2,446 | 3,283 | 5,129 | 6,521 | 11,139 Mortgage interest and charges..| 3,459 | 1,379 | 430 | 914 | 961 | 1,493 | 2,106 | 3,443 | 4,393 | 7,625 Property taxes.................| 1,032 | 501 | 232 | 350 | 338 | 484 | 605 | 962 | 1,311 | 2,215 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 713 | 650 | 300 | 208 | 291 | 468 | 572 | 725 | 816 | 1,299 Rented dwellings................| 2,129 | 2,519 | 2,621 | 2,915 | 3,146 | 2,698 | 2,470 | 2,091 | 1,613 | 1,248 Other lodging...................| 415 | (5)229 | (5)33 | 69 | 147 | 126 | 204 | 367 | 438 | 1,098 Utilities, fuels, and public | | | | | | | | | | services......................| 2,638 | 1,754 | 1,805 | 2,064 | 2,131 | 2,247 | 2,497 | 2,612 | 2,916 | 3,451 Natural gas.....................| 317 | 210 | 249 | 214 | 219 | 257 | 299 | 314 | 351 | 439 Electricity.....................| 1,003 | 710 | 728 | 827 | 822 | 851 | 944 | 1,003 | 1,112 | 1,272 Fuel oil and other fuels........| 112 | (5)75 | 71 | 74 | 89 | 77 | 121 | 106 | 124 | 155 Telephone services..............| 890 | 602 | 584 | 744 | 776 | 807 | 872 | 841 | 960 | 1,129 Water and other public services.| 316 | 156 | 173 | 204 | 225 | 254 | 262 | 348 | 369 | 456 Household operations.............| 741 | 316 | 125 | 228 | 272 | 318 | 372 | 522 | 813 | 1,894 Personal services...............| 473 | (5)130 | (5)23 | 127 | 190 | 216 | 244 | 332 | 559 | 1,184 Other household expenses........| 268 | 186 | 102 | 101 | 82 | 103 | 127 | 190 | 254 | 710 Housekeeping supplies............| 550 | 301 | 221 | 316 | 303 | 368 | 479 | 539 | 681 | 857 Laundry and cleaning supplies...| 149 | 88 | 101 | 93 | 109 | 145 | 133 | 175 | 154 | 186 Other household products........| 254 | 102 | 95 | 142 | 118 | 154 | 213 | 245 | 346 | 401 Postage and stationery..........| 147 | 111 | 25 | 81 | 75 | 69 | 133 | 120 | 181 | 270 Household furnishings and | | | | | | | | | | equipment.....................| 1,687 | 986 | 445 | 685 | 880 | 1,211 | 1,160 | 1,266 | 2,191 | 3,139 Household textiles..............| 80 | 34 | 24 | 29 | 32 | 53 | 68 | 67 | 105 | 145 Furniture.......................| 388 | 175 | 89 | 173 | 205 | 191 | 252 | 257 | 453 | 868 Floor coverings.................| 134 | (5)44 | (5)9 | (5)30 | (5)8 | (5)271 | 28 | 39 | 246 | 175 Major appliances................| 187 | (5)89 | 103 | 74 | 151 | 147 | 148 | 175 | 251 | 274 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 109 | 401 | 41 | 49 | 82 | 46 | 94 | 62 | 90 | 214 Miscellaneous household | | | | | | | | | | equipment....................| 789 | 243 | 179 | 330 | 402 | 504 | 570 | 667 | 1,046 | 1,463 Apparel and services..............| 2,171 | 1,618 | 592 | 940 | 1,457 | 1,718 | 1,847 | 1,855 | 2,625 | 3,507 Men and boys.....................| 538 | 318 | 104 | 256 | 339 | 367 | 454 | 515 | 682 | 874 Men, 16 and over................| 367 | 218 | (5)40 | 124 | 223 | 237 | 334 | 339 | 477 | 607 Boys, 2 to 15...................| 171 | 101 | 64 | 132 | 116 | 130 | 119 | 176 | 205 | 267 Women and girls..................| 855 | 608 | 218 | 325 | 534 | 683 | 681 | 687 | 1,053 | 1,446 Women, 16 and over..............| 629 | 442 | 172 | 235 | 358 | 525 | 530 | 447 | 744 | 1,104 Girls, 2 to 15..................| 225 | 166 | 46 | 90 | 176 | 158 | 151 | 241 | 309 | 342 Children under 2.................| 91 | (5)19 | (5)43 | (5)39 | 56 | 56 | 73 | 91 | 116 | 150 Footwear.........................| 408 | (5)386 | (5)120 | 216 | 402 | 412 | 394 | 324 | 475 | 535 Other apparel products and | | | | | | | | | | services......................| 280 | 287 | 107 | 105 | 126 | 199 | 246 | 237 | 298 | 502 Transportation....................| 7,629 | 4,065 | 2,858 | 3,741 | 4,614 | 5,318 | 7,173 | 8,055 | 8,546 | 12,475 Vehicle purchases (net outlay)...| 3,361 |(5)2,059 | 1,434 | 1,484 | 2,073 | 2,321 | 3,500 | 3,680 | 3,436 | 5,487 Cars and trucks, new............| 1,529 | (5)788 | (5)417 | (5)563 | (5)494 | 750 | 1,223 | 1,525 | 1,673 | 3,208 Cars and trucks, used...........| 1,717 | 1,263 | 1,017 | 870 | 1,540 | 1,478 | 2,187 | 2,092 | 1,718 | 1,937 Other vehicles..................| 115 | (5)8 | (4)| (5)51 | (5)39 | (5)93 | (5)90 | (5)63 | (5)45 | 342 Gasoline and motor oil...........| 1,309 | 707 | 516 | 859 | 939 | 1,010 | 1,248 | 1,491 | 1,589 | 1,745 Other vehicle expenses...........| 2,545 | 1,046 | 706 | 1,260 | 1,393 | 1,721 | 2,168 | 2,595 | 3,070 | 4,341 Vehicle finance charges.........| 356 | 79 | 51 | 135 | 165 | 249 | 360 | 444 | 471 | 521 Maintenance and repairs.........| 822 | 358 | 308 | 478 | 480 | 584 | 748 | 769 | 990 | 1,332 Vehicle insurance...............| 811 | 335 | 201 | 471 | 529 | 595 | 761 | 935 | 968 | 1,206 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 555 | 274 | 146 | 176 | 219 | 292 | 298 | 447 | 641 | 1,281 Public transportation............| 415 | 254 | 202 | 138 | 209 | 265 | 258 | 289 | 452 | 903 Health care.......................| 1,679 | 803 | 696 | 1,021 | 1,098 | 1,340 | 1,522 | 1,782 | 2,025 | 2,412 Health insurance.................| 747 | 433 | 204 | 304 | 456 | 576 | 709 | 869 | 959 | 1,046 Medical services.................| 599 | 263 | 330 | 498 | 407 | 481 | 492 | 548 | 672 | 927 Drugs............................| 228 | 76 | 126 | 179 | 191 | 207 | 220 | 260 | 250 | 280 Medical supplies.................| 105 | (5)32 | 36 | 40 | 45 | 75 | 101 | 105 | 144 | 159 Entertainment.....................| 2,386 | 1,006 | 688 | 776 | 948 | 1,329 | 1,682 | 2,259 | 2,925 | 4,764 Fees and admissions..............| 614 | 230 | 94 | 121 | 183 | 291 | 371 | 544 | 770 | 1,391 Television, radios, sound | | | | | | | | | | equipment.....................| 693 | 303 | 357 | 384 | 510 | 537 | 604 | 732 | 818 | 1,025 Pets, toys, and playground | | | | | | | | | | equipment.....................| 424 | 265 | 166 | 168 | 137 | 296 | 342 | 359 | 496 | 782 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 656 | 208 | 72 | 102 | 118 | 204 | 365 | 624 | 841 | 1,565 Personal care products and | | | | | | | | | | services.......................| 613 | 219 | 277 | 334 | 299 | 456 | 633 | 647 | 661 | 961 Reading...........................| 170 | 91 | 49 | 64 | 83 | 99 | 130 | 161 | 211 | 320 Education.........................| 580 | 444 | 137 | 246 | 212 | 360 | 359 | 632 | 786 | 1,022 Tobacco products and smoking | | | | | | | | | | supplies.......................| 328 | 329 | 321 | 361 | 401 | 331 | 404 | 337 | 316 | 247 Miscellaneous.....................| 959 | 588 | 547 | 444 | 620 | 675 | 919 | 982 | 1,142 | 1,435 Cash contributions................| 1,052 | 264 | 133 | 217 | 463 | 773 | 719 | 1,025 | 1,144 | 2,242 Personal insurance and pensions...| 5,087 | 551 | 394 | 954 | 1,488 | 2,431 | 3,459 | 4,786 | 6,456 | 11,353 Life and other personal insurance| 404 | 160 | 62 | 117 | 150 | 244 | 273 | 376 | 530 | 804 Pensions and Social Security.....| 4,682 | 391 | 332 | 837 | 1,339 | 2,187 | 3,185 | 4,410 | 5,926 | 10,549 Money income before taxes.........| 48,582 | 1,419 | 7,661 | 12,578 | 17,356 | 24,777 | 34,701 | 44,418 | 58,617 | 107,320 Wages and salaries...............| 42,995 | 2,896 | 2,885 | 8,274 | 14,273 | 20,959 | 31,285 | 40,439 | 54,149 | 94,409 Self-employment income(1)........| 3,256 |(5)-2996 | (5)271 | 344 | 633 | 1,575 | 1,611 | 2,205 | 2,449 | 10,566 Social Security, private and | | | | | | | | | | government retireme...........| 633 | 234 | 1,200 | 1,200 | 682 | 643 | 474 | 586 | 521 | 581 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 475 | 86 | (5)25 | 22 | 125 | 162 | 283 | 226 | 809 | 1,070 Unemployment and workers.........| 252 | (5)103 | 289 | 339 | 227 | 344 | 270 | 232 | 225 | 204 Public assistance, supplemental | | | | | | | | | | security income,..............| 452 | 814 | 2,531 | 1,781 | 866 | 466 | 204 | 96 | (5)73 | (5)9 Regular contributions for support| 345 | (5)63 | 157 | 413 | 386 | 435 | 430 | 498 | 257 | 283 Other income.....................| 174 | (5)219 | 302 | 205 | 163 | 192 | 144 | 136 | 132 | 197 Personal taxes....................| 4,233 | -115 | 438 | -100 | 189 | 1,358 | 2,705 | 3,801 | 5,358 | 10,856 Federal income taxes.............| 3,219 | -151 | 288 | -102 | -12 | 997 | 1,973 | 2,788 | 4,102 | 8,451 State and local income taxes(1)..| 887 | (3)| 140 | -26 | 152 | 303 | 660 | 875 | 1,128 | 2,093 Other taxes......................| 127 | (5)36 | (5)10 | 28 | 50 | 58 | 72 | 138 | 128 | 312 Income after taxes................| 44,349 | 1,534 | 7,224 | 12,678 | 17,167 | 23,418 | 31,996 | 40,617 | 53,259 | 96,464 Net change in total assets and | | | | | | | | | | liabilities....................| 704 | -1,065 | -2,270 | -541 | 908 | -321 | -1,903 | -433 | -2,057 | 8,072 Net change in total assets(1)....| 7,703 | 4,161 | 90 | 571 | 2,227 | 3,370 | 5,113 | 7,692 | 6,320 | 20,679 Net change in total liabilities..| 6,998 | 5,226 | 2,360 | 1,112 | 1,319 | 3,691 | 7,016 | 8,125 | 8,377 | 12,606 Other money receipts..............| 377 | (5)262 | 99 | 288 | 43 | 150 | 218 | 265 | 760 | 549 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,370 | -479 | -164 | -358 | -305 | -545 | -795 | -1,146 | -1,846 | -3,131 Estimated market value of owned | | | | | | | | | | home...........................| 79,891 | 38,044 | 16,061 | 31,744 | 26,755 | 40,387 | 54,612 | 73,350 | 96,759 | 168,396 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 564 | 264 | 142 | 214 | 226 | 326 | 410 | 568 | 698 | 1,085 Gifts of goods and services.......| 951 | 627 | 202 | 370 | 622 | 591 | 802 | 858 | 1,090 | 1,740 Food.............................| 60 | (5)21 | (5)9 | (5)19 | 36 | 26 | 34 | 39 | 76 | 140 Housing..........................| 252 | 107 | 67 | 139 | 252 | 168 | 187 | 189 | 270 | 478 Housekeeping supplies...........| 44 | (5)20 | (5)8 | (5)9 | 46 | 25 | 30 | 37 | 52 | 84 Household textiles..............| 6 | (5)1 | 3 | 4 | 3 | 3 | 4 | 7 | 6 | 11 Appliances and miscellaneous | | | | | | | | | | housewares...................| 22 | (5)3 | (5)3 | (5)2 | (5)31 | (5)8 | 24 | 14 | 15 | 55 Major appliances...............| 3 | (4)| (4)| (4)| (5)4 | (5)2 | (5)4 | (5)6 | 3 | 6 Small appliances and | | | | | | | | | | miscellaneous housewares....| 19 | (5)3 | (5)3 | (5)2 | (5)27 | (5)6 | 20 | 8 | 12 | 50 Miscellaneous household | | | | | | | | | | equipment....................| 70 | 17 | 11 | 24 | 55 | 53 | 53 | 47 | 102 | 117 Other housing...................| 110 | 65 | 42 | 100 | 117 | 78 | 76 | 85 | 96 | 211 Apparel and services.............| 264 | 276 | 74 | 108 | 174 | 212 | 202 | 223 | 323 | 429 Males, 2 and over...............| 48 | (5)30 | (5)9 | 35 | 45 | 45 | 42 | 42 | 46 | 79 Females, 2 and over.............| 103 | (5)164 | 37 | (5)18 | 61 | 82 | 68 | 87 | 132 | 166 Children under 2................| 38 | (5)10 | (5)28 | (5)23 | (5)23 | 24 | 34 | 39 | 48 | 55 Other apparel products and | | | | | | | | | | services.....................| 75 | (5)71 | (4)| (5)32 | (5)44 | (5)62 | (5)59 | (5)55 | 97 | 129 Jewelry and watches............| 40 | (5)71 | (4)| (5)1 | (5)26 | (5)25 | (5)46 | (5)28 | (5)43 | (5)73 All other apparel products and | | | | | | | | | | services....................| 35 | (4)| (4)| (5)30 | (5)18 | (5)37 | (5)13 | (5)27 | 54 | 57 Transportation...................| 41 | 49 | 5 | 7 | 14 | 10 | 33 | 75 | 60 | 57 Health care......................| 19 | (5)6 | (5)7 | (5)5 | (5)12 | 17 | 18 | 32 | 13 | 29 Entertainment....................| 105 | (5)72 | (5)15 | (5)32 | (5)30 | 73 | 90 | 125 | 111 | 192 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 46 | (5)57 | (5)1 | (5)19 | (5)8 | (5)31 | 30 | 61 | 47 | 85 Other entertainment.............| 59 | 15 | 14 | 13 | 22 | 41 | 60 | 64 | 65 | 107 Education........................| 93 | (5)17 | (5)10 | (5)28 | (5)26 | (5)37 | 42 | 64 | 138 | 216 All other gifts..................| 117 | 79 | 14 | 32 | 78 | 49 | 196 | 113 | 98 | 198 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.05. 3 Value less than 0.5. 4 No data reported. 5 Data are likely to have large sampling errors.