Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 19,502 555 993 1,222 1,187 2,647 2,679 2,233 3,872 4,115 Income before taxes a/ ...................... $49,806 $1,742 $7,767 $12,633 $17,415 $24,749 $34,656 $44,286 $58,163 $107,916 Income after taxes a/ ....................... 45,598 1,856 7,809 12,699 17,136 23,503 32,333 40,984 53,029 96,948 Age of the reference person.................. 39.5 39.3 39.3 39.2 39.2 39.2 39.4 39.7 39.7 39.9 Average number in consumer unit: Persons..................................... 3.2 2.9 2.5 3.1 3.1 3.0 3.1 3.3 3.4 3.6 Children under 18........................... 1.3 1.4 1.0 1.4 1.4 1.2 1.2 1.3 1.4 1.5 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.7 1.1 .9 1.2 1.4 1.6 1.7 1.8 2.0 2.1 Vehicles.................................... 2.3 1.4 1.1 1.3 1.7 1.8 2.3 2.5 2.8 2.8 Percent distribution: Male........................................ 61 42 42 40 49 52 60 67 71 71 Female...................................... 39 58 58 60 51 48 40 33 29 29 Homeowner................................... 66 41 30 35 41 55 62 71 81 89 With mortgage.............................. 55 26 16 22 27 40 51 61 72 82 Without mortgage........................... 11 15 14 13 14 15 10 10 10 7 Renter...................................... 34 59 70 65 59 45 38 29 19 11 Black....................................... 12 15 27 21 17 17 13 10 8 7 White and other............................. 88 85 73 79 83 83 87 90 92 93 Elementary (1-8)............................ 3 6 8 8 10 6 4 1 1 c/ High school (9-12).......................... 38 56 57 58 54 47 40 39 33 18 College..................................... 59 38 33 34 36 47 56 60 66 82 Never attended and other.................... c/ d/ 1 c/ c/ d/ d/ d/ c/ c/ At least one vehicle owned or leased........ 92 67 63 79 86 91 96 98 98 98 Average annual expenditures.................. $43,138 $23,712 $18,548 $21,716 $25,267 $28,284 $35,101 $40,381 $49,127 $73,713 Food........................................ 5,909 3,903 3,892 3,867 4,326 4,441 4,884 5,455 6,838 8,665 Food at home............................. 3,454 2,477 2,804 2,615 2,997 2,853 2,986 3,168 3,876 4,561 Cereals and bakery products............ 547 413 435 404 438 447 459 492 616 749 Cereals and cereal products.......... 199 151 190 170 192 156 176 177 221 255 Bakery products...................... 348 262 246 233 246 291 283 315 395 494 Meats, poultry, fish, and eggs......... 881 584 787 723 934 762 808 818 945 1,078 Beef................................. 264 128 211 200 255 230 259 238 311 310 Pork................................. 178 162 188 143 240 165 174 154 181 190 Other meats.......................... 118 82 105 74 116 93 100 112 133 154 Poultry.............................. 179 108 153 191 177 155 148 169 195 221 Fish and seafood..................... 107 e/ 70 90 82 103 82 94 109 88 166 Eggs................................. 36 34 39 32 44 38 32 36 36 37 Dairy products......................... 394 253 293 305 316 305 342 365 451 540 Fresh milk and cream................. 164 118 140 148 143 134 146 166 180 201 Other dairy products................. 231 135 153 158 173 171 196 199 271 340 Fruits and vegetables.................. 536 429 430 413 442 460 450 478 564 748 Fresh fruits......................... 164 142 118 107 124 145 138 146 178 228 Fresh vegetables..................... 162 119 150 126 146 144 139 138 160 226 Processed fruits..................... 116 104 83 83 89 88 92 104 124 175 Processed vegetables................. 95 64 79 97 83 83 81 90 102 120 Other food at home..................... 1,095 798 859 771 868 880 927 1,015 1,300 1,446 Sugar and other sweets............... 137 65 123 94 100 109 102 123 186 179 Fats and oils........................ 91 86 83 74 102 80 83 85 102 99 Miscellaneous foods.................. 510 356 370 345 408 389 435 474 602 696 Nonalcoholic beverages............... 300 250 264 246 231 270 264 290 334 365 Food prepared by consumer unit on out-of-town trips................... 57 e/ 41 e/ 18 12 27 32 43 42 75 106 Food away from home...................... 2,455 1,426 1,088 1,251 1,329 1,588 1,898 2,287 2,962 4,104 Alcoholic beverages......................... 366 262 211 94 222 247 259 326 406 658 Housing..................................... 13,995 9,198 7,289 8,005 8,725 9,765 11,003 12,754 15,004 23,926 Shelter.................................. 8,162 5,501 3,911 4,566 5,318 5,553 6,439 7,506 8,522 14,250 Owned dwellings........................ 5,628 3,017 1,147 1,251 1,802 2,786 3,777 5,021 6,571 11,937 Mortgage interest and charges........ 3,777 1,777 477 721 1,107 1,737 2,540 3,355 4,541 8,145 Property taxes....................... 1,087 626 297 290 452 575 670 934 1,210 2,329 Maintenance, repairs, insurance,other expenses............................ 764 614 373 240 243 474 567 732 819 1,463 Rented dwellings....................... 2,118 2,281 2,739 3,272 3,391 2,645 2,491 2,160 1,527 1,186 Other lodging.......................... 417 e/ 203 e/ 25 43 125 122 171 325 425 1,127 Utilities, fuels, and public services.... 2,694 1,925 1,874 2,033 2,044 2,354 2,504 2,643 2,964 3,497 Natural gas............................ 312 189 224 179 246 258 282 303 346 434 Electricity............................ 1,015 794 768 865 792 897 951 1,021 1,110 1,236 Fuel oil and other fuels............... 99 e/ 113 e/ 63 65 55 84 89 95 125 123 Telephone services..................... 940 647 647 738 751 854 898 886 1,002 1,217 Water and other public services........ 329 181 172 186 198 262 284 338 381 486 Household operations..................... 762 351 157 210 267 343 317 499 751 1,983 Personal services...................... 473 e/ 204 e/ 56 109 182 228 163 330 481 1,231 Other household expenses............... 289 148 101 101 85 115 154 169 270 752 Housekeeping supplies.................... 563 303 318 315 323 340 472 508 685 912 Laundry and cleaning supplies.......... 145 71 106 107 137 119 119 154 176 179 Other household products............... 257 113 136 135 109 148 173 216 341 449 Postage and stationery................. 161 119 76 73 77 73 180 138 168 284 Household furnishings and equipment...... 1,813 1,117 1,028 880 773 1,175 1,272 1,598 2,081 3,285 Household textiles..................... 114 37 38 47 112 62 111 65 110 228 Furniture.............................. 447 190 58 186 164 315 277 289 471 991 Floor coverings........................ 99 e/ 92 e/ 489 e/ 60 e/ 9 e/ 19 66 105 91 129 Major appliances....................... 214 148 127 87 120 140 142 303 250 309 Small appliances, miscellaneous housewares............................ 105 373 40 32 77 51 102 82 94 168 Miscellaneous household equipment...... 834 278 276 468 290 588 572 754 1,066 1,459 Apparel and services....................... 2,180 1,810 816 1,349 1,497 1,420 1,993 1,965 2,359 3,521 Men and boys............................. 526 209 133 352 388 336 437 487 578 906 Men, 16 and over....................... 358 e/ 94 e/ 51 215 230 205 321 321 430 616 Boys, 2 to 15.......................... 169 115 82 137 158 131 115 166 148 291 Women and girls.......................... 846 1,111 337 376 432 545 830 836 929 1,290 Women, 16 and over..................... 634 857 251 298 263 418 675 617 701 934 Girls, 2 to 15......................... 212 253 86 79 169 127 155 219 228 356 Children under 2......................... 91 e/ 55 e/ 49 e/ 120 64 57 78 61 75 171 Footwear................................. 412 e/ 264 e/ 174 349 431 326 444 382 405 556 Other apparel products and services...... 304 171 124 153 182 156 205 199 372 599 Transportation............................. 7,789 3,988 2,920 3,855 4,881 5,095 6,900 7,596 9,161 12,621 Vehicle purchases (net outlay)........... 3,469 e/ 1,902 1,532 1,645 2,293 2,180 3,007 3,345 4,067 5,663 Cars and trucks, new................... 1,628 e/ 844 e/ 287 e/ 483 e/ 410 752 1,244 1,277 1,985 3,417 Cars and trucks, used.................. 1,779 1,058 1,244 1,162 1,840 1,337 1,721 1,967 2,059 2,129 Other vehicles......................... 62 d/ d/ d/ e/ 43 e/ 92 e/ 42 e/ 101 e/ 24 e/ 116 Gasoline and motor oil................... 1,271 784 561 754 879 958 1,216 1,363 1,547 1,700 Other vehicle expenses................... 2,667 1,104 714 1,351 1,458 1,740 2,417 2,593 3,209 4,387 Vehicle finance charges................ 386 153 e/ 37 113 174 255 373 457 520 572 Maintenance and repairs................ 825 369 287 573 494 568 877 700 998 1,235 Vehicle insurance...................... 852 401 231 462 526 617 843 928 1,031 1,222 Vehicle rental, leases, licenses, other charges......................... 604 181 159 203 263 301 325 508 661 1,359 Public transportation.................... 383 197 113 105 251 217 259 295 337 871 Health care................................ 1,713 907 681 846 1,066 1,335 1,467 1,811 2,078 2,515 Health insurance......................... 789 419 282 278 465 620 726 861 952 1,163 Medical services......................... 577 265 229 290 343 432 466 541 729 897 Drugs.................................... 240 161 124 233 219 213 182 305 274 268 Medical supplies......................... 108 e/ 63 46 45 39 71 93 103 124 186 Entertainment.............................. 2,245 1,003 825 952 957 1,277 1,573 2,140 2,717 4,170 Fees and admissions...................... 562 241 163 108 165 256 349 463 652 1,251 Television, radios, sound equipment...... 665 335 332 459 488 559 606 607 768 945 Pets, toys, and playground equipment..... 441 223 199 168 202 301 304 401 513 804 Other entertainment supplies, equipment,and services.................. 577 204 132 217 101 160 314 669 784 1,170 Personal care products and services........ 484 450 343 323 203 313 563 381 458 783 Reading.................................... 169 104 45 60 78 104 127 154 207 306 Education.................................. 616 198 115 161 464 356 346 664 763 1,152 Tobacco products and smoking supplies...... 347 429 354 416 422 325 406 351 369 246 Miscellaneous.............................. 1,022 488 518 549 573 646 998 1,014 1,240 1,544 Cash contributions......................... 1,047 401 121 338 406 570 917 974 1,175 2,063 Personal insurance and pensions............ 5,256 570 419 901 1,448 2,390 3,665 4,797 6,351 11,542 Life and other personal insurance........ 412 191 76 98 174 223 287 355 477 858 Pensions and Social Security............. 4,843 379 343 803 1,274 2,166 3,377 4,442 5,874 10,685 Sources of income and personal taxes: a/ Money income before taxes................. 49,806 1,742 7,767 12,633 17,415 24,749 34,656 44,286 58,163 107,916 Wages and salaries....................... 44,475 2,656 3,204 8,351 13,755 21,237 30,987 39,748 53,804 97,170 Self-employment income................... 3,007 e/ -2345 361 346 980 1,512 1,951 2,704 2,472 8,059 Social Security, private and government retirement................... 625 e/ 142 1,283 1,331 744 694 444 751 487 425 Interest, dividends, rental income, other property income................... 450 38 e/ 37 43 131 84 226 227 662 1,119 Unemployment and workers'' compensation, veterans'' benefits..................... 223 e/ 131 180 289 290 254 253 216 198 193 Public assistance, supplemental security, income, food stamps..................... 416 781 2,082 1,592 872 410 258 214 84 e/ 12 Regular contributions for support........ 372 e/ 55 270 437 404 430 389 316 325 438 Other income............................. 238 e/ 284 349 243 239 129 149 109 133 501 Personal taxes............................. 4,207 -114 -42 -66 279 1,246 2,322 3,302 5,134 10,968 Federal income taxes..................... 3,190 -198 -107 -122 -39 876 1,663 2,411 3,901 8,592 State and local income taxes............. 864 -1 42 38 152 275 553 749 1,073 2,077 Other taxes.............................. 153 e/ 86 e/ 24 19 165 94 106 142 160 299 Income after taxes.......................... 45,598 1,856 7,809 12,699 17,136 23,503 32,333 40,984 53,029 96,948 Net change in total assets and liabilities.. -8 -5,119 -1,773 -46 100 125 -2,488 -66 -3,795 6,210 Net change in total assets............... 9,349 -265 1,265 2,125 2,031 5,127 3,662 7,616 7,228 26,207 Net change in total liabilities.......... 9,357 4,855 3,038 2,172 1,931 5,001 6,149 7,682 11,023 19,997 Other financial information: Other money receipts..................... 408 e/ 293 56 170 68 106 140 323 925 605 Mortgage principal paid on owned property................................ -1,513 -581 -348 -289 -391 -609 -894 -1,171 -1,777 -3,528 Estimated market value of owned home..... 84,038 49,657 21,059 21,363 31,505 41,408 57,855 71,643 97,296 176,342 Estimated monthly rental value of owned home.............................. 611 361 164 180 257 349 427 572 725 1,187 Gifts of goods and services................. 913 547 254 376 391 513 745 771 938 1,838 Food..................................... 60 d/ e/ 20 e/ 33 e/ 15 26 33 36 76 138 Housing.................................. 262 121 101 119 107 169 193 264 271 494 Housekeeping supplies.................. 54 e/ 23 e/ 35 e/ 21 19 28 33 45 69 104 Household textiles..................... 9 e/ 6 c/ c/ e/ 3 e/ 7 e/ 21 e/ 7 6 12 Appliances and miscellaneous housewares............................ 26 e/ 6 e/ 2 e/ 3 e/ 22 25 25 31 19 44 Major appliances..................... 7 d/ d/ e/ 3 d/ e/ 12 e/ 6 e/ 17 e/ 1 e/ 8 Small appliances and miscellaneous housewares.......................... 19 e/ 6 e/ 2 c/ e/ 22 e/ 12 19 14 18 35 Miscellaneous household equipment...... 66 16 14 17 12 39 32 76 92 121 Other housing.......................... 107 e/ 70 50 78 51 71 82 105 85 213 Apparel and services..................... 222 179 72 151 124 153 173 198 217 402 Males, 2 and over...................... 48 e/ 10 e/ 11 29 24 45 30 38 28 109 Females, 2 and over.................... 91 e/ 143 36 e/ 3 36 54 68 97 96 164 Children under 2....................... 34 e/ 8 e/ 16 e/ 16 e/ 23 20 36 24 32 65 Other apparel products and services.... 49 e/ 19 e/ 8 e/ 102 e/ 41 35 39 39 61 65 Jewelry and watches.................. 15 e/ 16 e/ 4 e/ 14 e/ 7 9 17 16 17 23 All other apparel products and services............................ 34 e/ 3 e/ 4 e/ 88 e/ 34 e/ 26 e/ 22 e/ 24 44 42 Transportation........................... 32 53 4 2 12 11 20 25 53 54 Health care.............................. 22 e/ 8 e/ 7 e/ 13 e/ 7 e/ 7 23 e/ 24 18 46 Entertainment............................ 75 e/ 44 18 e/ 30 34 58 69 49 84 137 Toys, games, hobbies, and tricycles.... 31 e/ 17 e/ 7 e/ 16 e/ 12 22 32 22 34 57 Other entertainment.................... 43 28 11 e/ 14 22 36 36 27 50 79 Education................................ 106 e/ 11 e/ 10 e/ 7 e/ 27 e/ 33 39 80 107 297 All other gifts.......................... 135 130 22 20 63 54 196 94 112 269 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.05. c/ Value less than 0.5. d/ No data reported. e/ Data are likely to have large sampling errors.