Table 38. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | Complete reporting of income |___________________________________________________________________________________________________ | | | | | | | | | | | 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)......................| 12,881 | 452 | 754 | 1,026 | 918 | 1,766 | 1,589 | 1,483 | 2,361 | 2,533 Income before taxes(1).............| $46,907 | $2,378 | $7,771 | $12,371 | $17,435 | $24,729 | $34,835 | $44,872 | $58,799 |$104,334 Income after taxes(1)..............| 43,170 | 2,527 | 8,072 | 12,450 | 17,183 | 23,701 | 32,465 | 41,302 | 53,811 | 94,213 Age of reference person............| 43.5 | 41.1 | 41.8 | 42.2 | 45.2 | 44.6 | 42.5 | 43.4 | 43.1 | 44.6 Average number in consumer unit: | | | | | | | | | | Persons...........................| 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 Children under 18.................| .8 | 1.2 | 1.1 | 1.1 | .9 | .8 | .8 | .7 | .7 | .7 Persons 65 and over...............| .2 | (2).2 | .2 | .3 | .3 | .3 | .2 | .2 | .1 | .1 Earners...........................| 1.8 | .9 | 1.0 | 1.1 | 1.4 | 1.6 | 1.8 | 1.9 | 2.1 | 2.2 Vehicles..........................| 2.3 | 1.3 | 1.4 | 1.5 | 1.9 | 2.0 | 2.4 | 2.5 | 2.8 | 2.9 Percent distribution: | | | | | | | | | | Male..............................| 61 | 29 | 24 | 40 | 44 | 61 | 61 | 68 | 71 | 78 Female............................| 39 | 71 | 76 | 60 | 56 | 39 | 39 | 32 | 29 | 22 Percent homeowner.................| 67 | 40 | 38 | 42 | 52 | 59 | 64 | 72 | 80 | 89 With mortgage....................| 48 | 21 | 14 | 16 | 24 | 37 | 46 | 55 | 65 | 74 Without mortgage.................| 19 | 19 | 24 | 26 | 28 | 21 | 18 | 17 | 14 | 15 Renter............................| 33 | 60 | 62 | 58 | 48 | 41 | 36 | 28 | 20 | 11 Black.............................| 15 | 29 | 27 | 27 | 19 | 18 | 14 | 10 | 10 | 8 White and other...................| 85 | 71 | 73 | 73 | 81 | 82 | 86 | 90 | 90 | 92 Elementary (1-8)..................| 6 | 7 | 13 | 16 | 13 | 11 | 4 | 4 | 2 | 1 High school (9-12)................| 41 | 58 | 63 | 52 | 57 | 47 | 43 | 43 | 35 | 20 College...........................| 52 | 33 | 23 | 31 | 31 | 41 | 52 | 53 | 63 | 79 Never attended and other..........| (3)| 2 | (4)| 1 | (4)| 1 | (3)| (4)| (3)| (4) At least one vehicle owned........| 91 | 60 | 66 | 80 | 86 | 92 | 96 | 98 | 97 | 95 Average annual expenditures........| $41,890 | $22,467 | $20,296 | $22,151 | $25,893 | $30,395 | $33,898 | $40,442 | $50,041 | $71,772 Food..............................| 5,602 | 3,485 | 3,451 | 4,092 | 4,443 | 4,561 | 4,848 | 5,226 | 6,615 | 8,096 Food at home.....................| 3,426 | 2,744 | 2,595 | 3,208 | 3,203 | 3,259 | 3,016 | 3,276 | 3,754 | 4,130 Cereals and bakery products.....| 524 | 423 | 400 | 449 | 529 | 493 | 477 | 502 | 556 | 642 Cereals and cereal products....| 188 | 162 | 171 | 196 | 223 | 175 | 176 | 165 | 173 | 222 Bakery products................| 337 | 261 | 229 | 253 | 306 | 318 | 301 | 337 | 383 | 420 Meats, poultry, fish, and eggs..| 884 | 825 | 784 | 1,001 | 879 | 905 | 748 | 784 | 942 | 964 Beef...........................| 264 | 266 | 218 | 301 | 258 | 292 | 232 | 228 | 305 | 253 Pork...........................| 186 | 151 | 173 | 193 | 183 | 206 | 171 | 174 | 191 | 194 Other meats....................| 115 | 117 | 107 | 106 | 126 | 113 | 89 | 119 | 131 | 122 Poultry........................| 176 | 167 | 148 | 198 | 180 | 167 | 141 | 170 | 173 | 210 Fish and seafood...............| 104 | (2)82 | 95 | 158 | 86 | 84 | 78 | 65 | 104 | 147 Eggs...........................| 39 | 41 | 43 | 46 | 46 | 43 | 38 | 28 | 38 | 38 Dairy products..................| 365 | 302 | 253 | 335 | 316 | 349 | 319 | 358 | 420 | 438 Fresh milk and cream...........| 151 | 120 | 125 | 141 | 133 | 164 | 150 | 158 | 159 | 154 Other dairy products...........| 214 | 182 | 128 | 193 | 182 | 185 | 169 | 200 | 261 | 283 Fruits and vegetables...........| 548 | 413 | 412 | 495 | 526 | 483 | 472 | 497 | 568 | 740 Fresh fruits...................| 167 | 106 | 118 | 159 | 151 | 146 | 137 | 145 | 189 | 226 Fresh vegetables...............| 168 | 120 | 111 | 138 | 179 | 158 | 139 | 137 | 165 | 246 Processed fruits...............| 121 | 96 | 88 | 102 | 107 | 100 | 113 | 120 | 122 | 163 Processed vegetables...........| 92 | 91 | 94 | 96 | 89 | 78 | 83 | 95 | 91 | 105 Other food at home..............| 1,104 | 781 | 747 | 928 | 952 | 1,030 | 999 | 1,135 | 1,268 | 1,346 Sugar and other sweets.........| 136 | 82 | 119 | 102 | 164 | 140 | 106 | 125 | 148 | 165 Fats and oils..................| 96 | 100 | 86 | 119 | 104 | 103 | 90 | 79 | 104 | 91 Miscellaneous foods............| 507 | 350 | 319 | 360 | 402 | 475 | 461 | 584 | 607 | 608 Nonalcoholic beverages.........| 307 | 212 | 204 | 306 | 250 | 292 | 305 | 297 | 341 | 362 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 57 | (2)38 | (2)20 | 40 | 32 | 21 | 37 | 50 | 68 | 121 Food away from home..............| 2,176 | 741 | 856 | 884 | 1,240 | 1,302 | 1,832 | 1,950 | 2,861 | 3,966 Alcoholic beverages...............| 297 | 151 | 88 | 173 | 188 | 152 | 256 | 270 | 309 | 598 Housing...........................| 12,842 | 8,495 | 6,538 | 7,415 | 9,450 | 9,493 | 10,934 | 11,986 | 14,698 | 21,216 Shelter..........................| 6,996 | 4,897 | 3,299 | 3,889 | 5,116 | 4,947 | 5,787 | 6,573 | 7,924 | 11,982 Owned dwellings.................| 4,585 | 2,177 | 979 | 1,025 | 2,304 | 2,505 | 3,198 | 4,355 | 5,778 | 9,702 Mortgage interest and charges..| 2,779 | 1,084 | 386 | 416 | 903 | 1,331 | 1,972 | 2,631 | 3,767 | 6,112 Property taxes.................| 1,055 | 410 | 274 | 302 | 759 | 636 | 642 | 973 | 1,226 | 2,256 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 751 | 684 | 318 | 307 | 642 | 538 | 583 | 751 | 785 | 1,333 Rented dwellings................| 1,954 | 2,558 | 2,232 | 2,740 | 2,630 | 2,308 | 2,388 | 1,874 | 1,629 | 1,030 Other lodging...................| 457 | (2)162 | 88 | 124 | 181 | 134 | 201 | 344 | 517 | 1,250 Utilities, fuels, and public | | | | | | | | | | services......................| 2,760 | 2,158 | 2,014 | 2,091 | 2,256 | 2,478 | 2,636 | 2,752 | 2,986 | 3,615 Natural gas.....................| 333 | 230 | 217 | 265 | 230 | 319 | 300 | 336 | 340 | 473 Electricity.....................| 1,046 | 838 | 828 | 855 | 863 | 938 | 1,029 | 1,092 | 1,084 | 1,315 Fuel oil and other fuels........| 129 | (2)165 | 95 | 59 | 136 | 116 | 151 | 134 | 113 | 167 Telephone services..............| 931 | 721 | 679 | 733 | 798 | 838 | 862 | 864 | 1,075 | 1,186 Water and other public services.| 321 | 204 | 195 | 179 | 228 | 267 | 293 | 325 | 374 | 474 Household operations.............| 816 | 298 | 164 | 343 | 316 | 658 | 683 | 931 | 928 | 1,495 Personal services...............| 549 | (2)180 | (2)83 | 256 | 217 | 536 | 542 | 752 | 698 | 748 Other household expenses........| 267 | 119 | 81 | 87 | 98 | 122 | 141 | 179 | 230 | 747 Housekeeping supplies............| 611 | 463 | 303 | 386 | 657 | 383 | 457 | 498 | 687 | 1,047 Laundry and cleaning supplies...| 157 | 110 | 174 | 170 | 124 | 121 | 128 | 168 | 170 | 192 Other household products........| 251 | 328 | 90 | 184 | 166 | 165 | 217 | 202 | 338 | 375 Postage and stationery..........| 203 | (2)26 | 40 | 32 | 367 | 97 | 111 | 129 | 179 | 480 Household furnishings and | | | | | | | | | | equipment.....................| 1,659 | 679 | 758 | 706 | 1,106 | 1,028 | 1,371 | 1,231 | 2,174 | 3,077 Household textiles..............| 87 | 30 | 57 | 41 | 44 | 46 | 77 | 82 | 102 | 163 Furniture.......................| 360 | 169 | 207 | 149 | 272 | 211 | 267 | 295 | 411 | 709 Floor coverings.................| 125 | (2)81 | (2)8 | (2)1 | (2)30 | (2)98 | (2)93 | (2)31 | 331 | 165 Major appliances................| 200 | 172 | 156 | 98 | 151 | 145 | 175 | 180 | 223 | 323 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 94 | (2)35 | 33 | 31 | 89 | 67 | 60 | 102 | 129 | 153 Miscellaneous household | | | | | | | | | | equipment....................| 793 | 193 | 297 | 386 | 519 | 461 | 699 | 541 | 978 | 1,565 Apparel and services..............| 2,169 | 1,127 | 1,198 | 968 | 1,645 | 1,761 | 1,615 | 1,632 | 2,759 | 3,677 Men and boys.....................| 530 | 131 | 250 | 314 | 376 | 331 | 406 | 476 | 664 | 947 Men, 16 and over................| 415 | (2)37 | (2)159 | 223 | 298 | 195 | 306 | 336 | 545 | 821 Boys, 2 to 15...................| 115 | 94 | 91 | 92 | 78 | 136 | 100 | 140 | 118 | 125 Women and girls..................| 821 | 540 | 468 | 328 | 721 | 636 | 609 | 574 | 968 | 1,460 Women, 16 and over..............| 677 | (2)438 | 383 | 186 | 512 | 509 | 494 | 426 | 827 | 1,280 Girls, 2 to 15..................| 144 | 101 | 85 | 143 | 210 | 127 | 115 | 148 | 141 | 180 Children under 2.................| 161 | (2)33 | 153 | 67 | 93 | 151 | 137 | 166 | 259 | 177 Footwear.........................| 371 | (2)394 | 261 | 190 | 272 | 336 | 315 | 294 | 478 | 508 Other apparel products and | | | | | | | | | | services......................| 286 | (2)29 | 66 | 68 | 183 | 307 | 147 | 121 | 389 | 585 Transportation....................| 8,307 | 5,068 | 5,052 | 4,737 | 4,110 | 6,336 | 6,494 | 9,689 | 10,024 | 12,928 Vehicle purchases (net outlay)...| 3,784 | 2,873 | 3,191 | 2,198 | 1,336 | 3,186 | 2,550 | 5,051 | 4,424 | 5,508 Cars and trucks, new............| 1,708 | (2)806 | (2)881 | (2)709 | (2)137 | 1,135 | 907 | 1,935 | 1,868 | 3,711 Cars and trucks, used...........| 2,043 | 2,056 | 2,310 | 1,488 | 1,143 | 2,032 | 1,643 | 3,116 | 2,492 | 1,723 Other vehicles..................| 33 | (2)10 | (4)| (2)0 | (2)55 | (2)19 | (4)| (4)| (2)64 | (2)74 Gasoline and motor oil...........| 1,360 | 786 | 767 | 879 | 960 | 1,110 | 1,291 | 1,558 | 1,655 | 1,808 Other vehicle expenses...........| 2,732 | 1,079 | 939 | 1,458 | 1,648 | 1,843 | 2,374 | 2,798 | 3,468 | 4,594 Vehicle finance charges.........| 432 | 134 | 114 | 201 | 235 | 341 | 481 | 560 | 570 | 576 Maintenance and repairs.........| 805 | 413 | 337 | 664 | 542 | 531 | 692 | 761 | 1,017 | 1,263 Vehicle insurance...............| 924 | 304 | 364 | 445 | 634 | 711 | 865 | 1,018 | 1,169 | 1,402 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 571 | 229 | 124 | 148 | 238 | 260 | 337 | 459 | 711 | 1,352 Public transportation............| 430 | 331 | 154 | 203 | 166 | 197 | 279 | 282 | 477 | 1,018 Health care.......................| 1,986 | 1,161 | 1,013 | 1,043 | 1,539 | 1,752 | 2,014 | 2,044 | 2,197 | 2,881 Health insurance.................| 937 | 490 | 399 | 481 | 750 | 903 | 890 | 1,036 | 1,095 | 1,276 Medical services.................| 625 | 459 | 380 | 204 | 389 | 433 | 718 | 569 | 706 | 1,017 Drugs............................| 311 | 184 | 193 | 307 | 340 | 321 | 286 | 326 | 286 | 382 Medical supplies.................| 113 | (2)28 | (2)40 | 51 | 60 | 95 | 119 | 114 | 110 | 206 Entertainment.....................| 2,086 | 770 | 722 | 886 | 1,187 | 1,440 | 1,370 | 1,950 | 2,909 | 3,764 Fees and admissions..............| 499 | 155 | 105 | 174 | 199 | 232 | 292 | 428 | 627 | 1,155 Television, radios, sound | | | | | | | | | | equipment.....................| 705 | 330 | 372 | 411 | 565 | 581 | 614 | 694 | 863 | 1,046 Pets, toys, and playground | | | | | | | | | | equipment.....................| 397 | 164 | 126 | 225 | 196 | 321 | 247 | 398 | 618 | 612 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 485 | 120 | 118 | 77 | 228 | 306 | 217 | 430 | 801 | 951 Personal care products and | | | | | | | | | | services.......................| 625 | 289 | 363 | 420 | 459 | 481 | 603 | 610 | 662 | 988 Reading...........................| 176 | 84 | 62 | 62 | 87 | 109 | 155 | 154 | 239 | 320 Education.........................| 606 | 216 | 149 | 340 | 179 | 454 | 349 | 342 | 706 | 1,404 Tobacco products and smoking | | | | | | | | | | supplies.......................| 342 | 245 | 414 | 342 | 296 | 339 | 357 | 384 | 400 | 267 Miscellaneous.....................| 1,063 | 789 | 568 | 550 | 769 | 863 | 897 | 1,070 | 1,159 | 1,716 Cash contributions................| 1,064 | (2)307 | (2)161 | 201 | 271 | 530 | 804 | 725 | 1,097 | 2,808 Personal insurance and pensions...| 4,725 | 280 | 518 | 923 | 1,271 | 2,125 | 3,202 | 4,360 | 6,267 | 11,109 Life and other personal insurance| 473 | 171 | 120 | 193 | 231 | 322 | 318 | 415 | 623 | 933 Pensions and Social Security.....| 4,252 | 109 | 397 | 730 | 1,040 | 1,803 | 2,885 | 3,945 | 5,644 | 10,175 Money income before taxes.........| 46,907 | 2,378 | 7,771 | 12,371 | 17,435 | 24,729 | 34,835 | 44,872 | 58,799 | 104,334 Wages and salaries...............| 39,658 | 1,232 | 2,674 | 6,465 | 11,542 | 17,882 | 29,227 | 38,699 | 52,160 | 91,806 Self-employment income(1)........| 2,588 | (2)-420 | (2)211 | 207 | 313 | 1,388 | 1,436 | 1,359 | 2,688 | 7,808 Social Security, private and | | | | | | | | | | government retireme...........| 2,885 | 340 | 1,795 | 2,934 | 4,081 | 4,116 | 3,005 | 3,417 | 2,596 | 2,234 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 525 | (2)11 | (2)18 | 129 | 42 | 144 | 236 | 464 | 476 | 1,631 Unemployment and workers.........| 239 | (2)45 | (2)130 | 166 | 190 | 186 | 192 | 303 | 305 | 320 Public assistance, supplemental | | | | | | | | | | security income,..............| 489 | 939 | 2,560 | 1,839 | 725 | 352 | 215 | 116 | (2)100 | (2)10 Regular contributions for support| 379 | (2)76 | 163 | 496 | 303 | 566 | 444 | 406 | 318 | 350 Other income.....................| 145 | (2)156 | 220 | (2)134 | 240 | 95 | 80 | 108 | 156 | 175 Personal taxes....................| 3,737 | -149 | -301 | -79 | 252 | 1,028 | 2,370 | 3,570 | 4,988 | 10,121 Federal income taxes.............| 2,889 | -173 | -342 | -155 | 80 | 701 | 1,806 | 2,800 | 3,879 | 7,985 State and local income taxes(1)..| 725 | 11 | 17 | 43 | 123 | 256 | 499 | 652 | 955 | 1,858 Other taxes......................| 123 | (2)13 | (2)24 | 33 | 50 | 71 | 65 | 119 | 155 | 278 Income after taxes................| 43,170 | 2,527 | 8,072 | 12,450 | 17,183 | 23,701 | 32,465 | 41,302 | 53,811 | 94,213 Net change in total assets and | | | | | | | | | | liabilities....................| 15 | 2,138 | -2,268 | -1,014 | 2,839 | -2,334 | -806 | -4,470 | -4,324 | 8,535 Net change in total assets(1)....| 6,104 | 7,464 | -1,058 | 251 | 3,160 | 2,389 | 2,126 | 3,642 | 4,197 | 19,736 Net change in total liabilities..| 6,088 | 5,326 | 1,210 | 1,265 | 322 | 4,723 | 2,931 | 8,113 | 8,521 | 11,201 Other money receipts..............| 438 | (2)226 | (2)88 | 133 | (2)52 | 205 | 271 | 345 | 487 | 1,121 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,249 | -415 | -172 | -230 | -524 | -642 | -871 | -1,144 | -1,560 | -2,828 Estimated market value of owned | | | | | | | | | | home...........................| 82,450 | 43,636 | 39,819 | 34,219 | 41,016 | 52,271 | 58,968 | 76,277 | 93,405 | 165,809 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 564 | 262 | 226 | 218 | 326 | 379 | 424 | 546 | 682 | 1,061 Gifts of goods and services.......| 1,247 | 232 | 324 | 732 | 805 | 560 | 778 | 825 | 1,609 | 2,750 Food.............................| 83 | (2)13 | (2)20 | 21 | 57 | 22 | 25 | 79 | 92 | 224 Housing..........................| 337 | 94 | 83 | 187 | 328 | 140 | 220 | 245 | 351 | 764 Housekeeping supplies...........| 38 | (2)6 | (2)11 | (2)15 | 19 | 25 | 28 | 27 | 42 | 83 Household textiles..............| 7 | (2)1 | (2)1 | (2)5 | 6 | 4 | 6 | 6 | 8 | 15 Appliances and miscellaneous | | | | | | | | | | housewares...................| 27 | (2)10 | (2)5 | (2)7 | (2)25 | (2)6 | 12 | 37 | 42 | 48 Major appliances...............| 8 | (4)| (4)| (2)2 | (2)5 | (4)| (2)4 | (2)5 | 14 | 17 Small appliances and | | | | | | | | | | miscellaneous housewares....| 19 | (2)10 | (2)5 | (2)5 | (2)20 | (2)6 | (2)8 | (2)32 | 28 | 31 Miscellaneous household | | | | | | | | | | equipment....................| 105 | (2)13 | 10 | 25 | 87 | 52 | 51 | 71 | 98 | 281 Other housing...................| 160 | 65 | 56 | 136 | 190 | 54 | 123 | 104 | 161 | 337 Apparel and services.............| 320 | (2)34 | 109 | 111 | 241 | 231 | 208 | 250 | 528 | 525 Males, 2 and over...............| 74 | (2)6 | (2)19 | 32 | 56 | 36 | 38 | 74 | 103 | 148 Females, 2 and over.............| 97 | (2)2 | 43 | (2)20 | 125 | 79 | 100 | 63 | 110 | 167 Children under 2................| 45 | (2)2 | (2)28 | (2)28 | (2)19 | 56 | 34 | 41 | 81 | 45 Other apparel products and | | | | | | | | | | services.....................| 103 | (2)25 | (2)19 | (2)30 | (2)41 | (2)61 | (2)35 | (2)73 | (2)234 | 165 Jewelry and watches............| 68 | (2)11 | (2)0 | (2)9 | (2)36 | (2)21 | (2)19 | (2)39 | (2)203 | (2)92 All other apparel products and | | | | | | | | | | services....................| 35 | (2)14 | (2)19 | (2)21 | (2)5 | (2)39 | (2)16 | (2)34 | (2)31 | 72 Transportation...................| 74 | 10 | 24 | 188 | 15 | 35 | 16 | 17 | 176 | 83 Health care......................| 25 | (4)| (2)6 | (2)8 | (2)27 | (2)7 | (2)20 | (2)32 | 17 | 58 Entertainment....................| 107 | (2)65 | (2)50 | 42 | 42 | 39 | 89 | 55 | 145 | 235 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 39 | (2)25 | (2)9 | (2)12 | (2)13 | (2)27 | (2)30 | (2)23 | 58 | 73 Other entertainment.............| 69 | (2)40 | (2)41 | 30 | 29 | 12 | 58 | 32 | 87 | 162 Education........................| 185 | (4)| (2)18 | (2)37 | (2)25 | (2)19 | (2)40 | (2)73 | 202 | 640 All other gifts..................| 116 | 15 | 13 | 137 | 70 | 66 | 161 | 75 | 98 | 221 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Data are likely to have large sampling errors. 3 Value less than 0.5. 4 No data reported.