Table 29. Consumer units with reference person age 55 to 64 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)...... 9,492 449 1,010 852 770 1,449 1,076 984 1,180 1,722 Income before taxes a/ ...................... $43,006 $2,222 $7,787 $12,494 $17,367 $24,897 $34,763 $44,557 $58,556 $109,687 Income after taxes a/ ....................... 39,555 2,080 7,681 12,150 16,773 23,858 32,731 41,109 54,099 98,369 Age of the reference person.................. 59.3 59.6 60.5 59.6 59.9 59.9 58.9 59.1 58.7 58.7 Average number in consumer unit: Persons..................................... 2.2 1.8 1.7 2.0 2.1 2.0 2.3 2.3 2.6 2.6 Children under 18........................... .2 b/ .2 .2 .2 .2 .2 .2 .1 .2 .2 Persons 65 and over......................... .1 b/ .1 b/ .1 .1 .1 .1 .1 .1 .1 .1 Earners..................................... 1.3 .6 .5 .8 1.0 1.1 1.5 1.6 1.9 2.0 Vehicles.................................... 2.3 1.6 1.3 1.9 1.8 2.2 2.4 2.6 2.8 3.1 Percent distribution: Male........................................ 61 36 33 43 49 61 65 73 71 80 Female...................................... 39 64 67 57 51 39 35 27 29 20 Homeowner................................... 78 54 50 66 68 78 83 88 87 96 With mortgage.............................. 39 20 16 19 23 27 46 49 52 65 Without mortgage........................... 39 34 34 46 45 51 37 39 36 31 Renter...................................... 22 46 50 34 32 22 17 12 13 4 Black....................................... 10 23 19 17 11 8 6 7 10 4 White and other............................. 90 77 81 83 89 92 94 93 90 96 Elementary (1-8)............................ 9 13 23 18 13 9 8 6 4 1 High school (9-12).......................... 43 56 56 56 54 48 43 41 34 26 College..................................... 47 29 19 26 33 43 49 53 62 72 Never attended and other.................... c/ 1 2 c/ c/ c/ c/ c/ c/ d/ At least one vehicle owned or leased........ 90 66 68 84 93 93 94 96 98 98 Average annual expenditures.................. $38,447 $20,399 $16,394 $19,251 $23,220 $27,073 $34,486 $42,865 $47,831 $74,530 Food........................................ 5,145 3,296 2,665 2,748 3,636 4,176 5,037 5,891 5,847 8,483 Food at home............................. 3,090 2,520 2,030 2,136 2,681 2,826 3,142 3,302 3,296 4,255 Cereals and bakery products............ 455 330 281 306 417 385 492 498 468 648 Cereals and cereal products.......... 142 105 96 110 160 122 145 127 137 202 Bakery products...................... 313 225 184 196 258 263 347 371 330 445 Meats, poultry, fish, and eggs......... 831 900 584 653 729 792 767 790 842 1,145 Beef................................. 241 226 171 192 212 238 244 269 217 318 Pork................................. 190 125 142 135 167 181 155 186 202 285 Other meats.......................... 104 94 73 99 88 95 110 104 125 118 Poultry.............................. 146 165 105 126 119 135 134 115 147 213 Fish and seafood..................... 111 248 58 72 111 105 77 80 108 169 Eggs................................. 39 41 35 30 32 37 47 36 44 41 Dairy products......................... 326 250 213 238 309 304 335 350 380 402 Fresh milk and cream................. 122 95 80 97 133 117 127 117 136 145 Other dairy products................. 204 155 133 140 176 187 208 233 244 256 Fruits and vegetables.................. 538 444 347 339 449 475 560 571 584 761 Fresh fruits......................... 171 133 84 113 131 165 185 172 196 245 Fresh vegetables..................... 170 161 124 104 135 157 183 168 176 239 Processed fruits..................... 112 95 71 63 108 78 101 140 121 166 Processed vegetables................. 85 55 68 59 75 75 91 91 91 111 Other food at home..................... 940 596 606 600 777 870 989 1,092 1,023 1,299 Sugar and other sweets............... 119 81 92 67 93 122 124 129 146 147 Fats and oils........................ 90 70 78 53 87 84 101 97 92 113 Miscellaneous foods.................. 399 227 243 259 311 365 426 484 432 555 Nonalcoholic beverages............... 257 188 176 208 231 234 277 302 269 317 Food prepared by consumer unit on out-of-town trips................... 75 b/ 30 17 b/ 13 54 65 61 80 84 167 Food away from home...................... 2,055 776 635 612 955 1,349 1,895 2,589 2,551 4,228 Alcoholic beverages......................... 314 286 91 133 133 264 267 281 432 600 Housing..................................... 11,631 7,435 6,216 7,210 8,089 8,072 10,697 12,048 13,450 21,583 Shelter.................................. 6,150 3,830 3,054 3,671 4,100 4,020 5,721 6,314 7,092 12,036 Owned dwellings........................ 4,339 1,819 1,360 1,847 2,119 2,482 4,031 4,802 5,292 9,804 Mortgage interest and charges........ 2,134 841 453 907 730 952 1,875 2,306 2,457 5,529 Property taxes....................... 1,212 587 519 608 640 825 1,019 1,416 1,544 2,439 Maintenance, repairs, insurance,other expenses............................ 992 392 387 333 749 705 1,137 1,080 1,291 1,836 Rented dwellings....................... 1,202 1,856 1,585 1,643 1,649 1,264 1,373 949 1,074 464 Other lodging.......................... 609 154 b/ 108 181 332 275 317 563 727 1,768 Utilities, fuels, and public services.... 2,621 1,989 1,859 2,108 2,230 2,231 2,576 2,714 2,997 3,705 Natural gas............................ 337 216 244 209 302 286 346 404 389 463 Electricity............................ 992 829 722 842 860 887 964 966 1,109 1,365 Fuel oil and other fuels............... 124 b/ 83 105 136 116 106 143 106 122 160 Telephone services..................... 834 602 574 681 696 678 784 866 970 1,234 Water and other public services........ 334 259 215 240 255 274 340 371 408 482 Household operations..................... 418 231 119 205 168 256 182 354 432 1,166 Personal services...................... 54 d/ b/ 7 b/ 75 b/ 5 b/ 45 b/ 3 b/ 12 b/ 75 159 Other household expenses............... 363 231 112 130 163 211 179 343 357 1,007 Housekeeping supplies.................... 565 375 246 309 432 405 621 640 801 800 Laundry and cleaning supplies.......... 142 96 72 76 129 116 166 167 168 194 Other household products............... 269 192 108 152 216 178 310 279 392 380 Postage and stationery................. 154 86 66 81 87 111 145 194 241 225 Household furnishings and equipment...... 1,877 1,011 937 918 1,159 1,160 1,598 2,026 2,127 3,876 Household textiles..................... 159 60 113 62 107 103 107 92 172 374 Furniture.............................. 384 257 148 120 289 190 358 472 454 810 Floor coverings........................ 108 b/ 77 b/ 9 b/ 25 b/ 92 b/ 80 b/ 83 b/ 65 b/ 62 305 Major appliances....................... 233 212 b/ 36 382 136 149 324 288 246 286 Small appliances, miscellaneous housewares............................ 120 40 34 54 73 59 86 107 154 286 Miscellaneous household equipment...... 873 365 597 275 462 579 640 1,003 1,039 1,814 Apparel and services....................... 1,706 761 914 612 746 1,342 1,284 1,801 2,151 3,472 Men and boys............................. 341 116 111 97 107 280 362 330 399 728 Men, 16 and over....................... 298 b/ 111 b/ 95 79 b/ 89 203 306 309 338 667 Boys, 2 to 15.......................... 43 b/ 6 17 18 17 77 56 21 61 60 Women and girls.......................... 682 331 304 235 308 493 410 872 819 1,437 Women, 16 and over..................... 636 316 281 213 272 430 365 846 781 1,343 Girls, 2 to 15......................... 47 b/ 15 22 22 36 63 45 26 38 94 Children under 2......................... 37 b/ 33 b/ 1 b/ 24 b/ 46 b/ 53 b/ 46 b/ 44 40 33 Footwear................................. 309 b/ 90 b/ 201 133 183 351 277 302 391 488 Other apparel products and services...... 338 191 297 124 102 166 190 253 502 786 Transportation............................. 7,162 3,529 2,664 3,393 3,983 5,017 7,108 8,783 9,040 13,644 Vehicle purchases (net outlay)........... 2,946 b/ 1,487 b/ 1,153 b/ 1,128 b/ 1,205 1,950 3,183 4,347 3,353 5,666 Cars and trucks, new................... 1,421 d/ b/ 93 b/ 507 b/ 506 1,046 1,915 1,491 1,514 3,334 Cars and trucks, used.................. 1,515 1,487 1,060 b/ 608 b/ 681 904 1,268 2,856 1,806 2,314 Other vehicles......................... b/ 10 d/ d/ b/ 13 b/ 18 d/ d/ d/ b/ 32 b/ 17 Gasoline and motor oil................... 1,151 629 520 799 975 1,043 1,172 1,239 1,542 1,667 Other vehicle expenses................... 2,494 1,187 806 1,178 1,586 1,749 2,386 2,698 3,341 4,868 Vehicle finance charges................ 277 93 77 101 133 194 361 286 481 468 Maintenance and repairs................ 762 426 326 502 659 611 808 841 897 1,240 Vehicle insurance...................... 863 457 307 469 595 693 895 997 1,175 1,441 Vehicle rental, leases, licenses, other charges......................... 592 210 97 107 200 251 322 573 788 1,720 Public transportation.................... 572 226 185 289 216 275 367 499 805 1,443 Health care................................ 2,234 1,478 1,333 1,906 2,226 2,037 1,884 2,402 2,632 3,127 Health insurance......................... 995 500 538 806 975 958 870 902 1,347 1,414 Medical services......................... 673 645 414 550 633 529 450 854 706 1,044 Drugs.................................... 437 250 311 483 505 446 398 452 466 487 Medical supplies......................... 129 b/ 83 70 67 113 104 167 194 114 181 Entertainment.............................. 1,894 953 604 837 1,040 1,248 1,496 1,938 2,157 4,321 Fees and admissions...................... 481 296 104 181 149 271 301 505 691 1,170 Television, radios, sound equipment...... 568 253 265 375 396 420 572 506 655 1,072 Pets, toys, and playground equipment..... 391 242 132 225 211 271 357 486 416 779 Other entertainment supplies, equipment,and services.................. 454 163 102 56 285 286 266 441 394 1,300 Personal care products and services........ 469 133 192 261 358 323 505 425 498 905 Reading.................................... 201 105 65 76 113 151 201 204 269 403 Education.................................. 344 b/ 92 b/ 45 b/ 54 179 117 250 290 437 1,010 Tobacco products and smoking supplies...... 323 287 238 361 351 316 400 282 314 335 Miscellaneous.............................. 1,219 953 791 490 902 1,400 1,107 1,507 1,363 1,702 Cash contributions......................... 1,364 781 181 447 295 556 1,002 1,451 2,336 3,328 Personal insurance and pensions............ 4,441 307 396 722 1,170 2,055 3,246 5,561 6,905 11,617 Life and other personal insurance........ 601 169 167 247 287 416 474 1,146 759 1,097 Pensions and Social Security............. 3,840 137 229 475 884 1,639 2,772 4,415 6,145 10,521 Sources of income and personal taxes: a/ Money income before taxes................. 43,006 2,222 7,787 12,494 17,367 24,897 34,763 44,557 58,556 109,687 Wages and salaries....................... 31,325 1,065 1,437 4,833 8,658 15,147 24,890 32,281 45,902 87,075 Self-employment income................... 2,778 b/ -727 b/ 178 351 543 840 956 2,697 4,075 9,342 Social Security, private and government retirement................... 6,736 812 4,385 5,758 6,587 7,810 7,578 8,054 6,283 8,336 Interest, dividends, rental income, other property income................... 1,171 176 97 145 377 455 617 1,014 1,231 3,919 Unemployment and workers'' compensation, veterans'' benefits..................... 348 b/ 23 b/ 196 b/ 300 531 301 338 265 436 499 Public assistance, supplemental security, income, food stamps..................... 391 603 1,337 896 506 186 219 b/ 69 b/ 229 b/ 53 Regular contributions for support........ 106 b/ 222 b/ 18 b/ 105 b/ 45 b/ 74 b/ 36 b/ 100 b/ 140 208 Other income............................. 150 b/ 47 141 b/ 105 b/ 120 84 129 b/ 78 259 255 Personal taxes............................. 3,451 143 107 343 595 1,039 2,032 3,448 4,457 11,318 Federal income taxes..................... 2,592 85 -1 219 423 685 1,462 2,480 3,312 8,789 State and local income taxes............. 658 16 25 79 126 232 356 738 865 2,082 Other taxes.............................. 201 b/ 41 83 45 45 122 214 229 279 446 Income after taxes.......................... 39,555 2,080 7,681 12,150 16,773 23,858 32,731 41,109 54,099 98,369 Net change in total assets and liabilities.. -1,958 23,522 -1,777 -4,017 5,935 -1,024 -654 -1,383 -2,159 -13,005 Net change in total assets............... 4,610 26,065 -331 -103 6,782 1,177 4,266 5,534 -1,155 9,803 Net change in total liabilities.......... 6,568 2,543 1,446 3,914 847 2,201 4,920 6,917 1,004 22,808 Other financial information: Other money receipts..................... 593 b/ 629 b/ 21 b/ 30 634 341 332 485 575 1,628 Mortgage principal paid on owned property................................ -1,667 -304 -472 -606 -512 -646 -1,240 -1,645 -1,853 -4,777 Estimated market value of owned home..... 104,010 68,402 38,850 64,638 59,002 80,398 89,879 110,528 116,489 207,512 Estimated monthly rental value of owned home.............................. 699 382 293 412 445 537 627 808 773 1,342 Gifts of goods and services................. 1,418 632 682 471 621 836 1,261 1,493 1,644 3,193 Food..................................... 104 b/ 21 b/ 14 23 b/ 48 35 85 124 177 238 Housing.................................. 382 216 221 151 169 166 275 483 451 839 Housekeeping supplies.................. 48 b/ 14 b/ 11 36 50 21 43 87 58 70 Household textiles..................... 37 b/ 1 b/ 8 b/ 20 b/ 1 12 b/ 11 b/ 42 41 112 Appliances and miscellaneous housewares............................ 51 b/ 10 b/ 6 b/ 18 b/ 16 21 40 45 86 121 Major appliances..................... 8 d/ b/ 1 b/ 6 b/ 2 b/ 1 b/ 11 b/ 23 b/ 7 17 Small appliances and miscellaneous housewares.......................... 43 b/ 10 b/ 5 b/ 13 b/ 15 20 b/ 29 22 79 104 Miscellaneous household equipment...... 107 32 76 37 24 86 74 166 100 223 Other housing.......................... 139 b/ 159 119 40 78 27 107 143 166 313 Apparel and services..................... 306 211 295 108 178 282 304 300 343 478 Males, 2 and over...................... 77 b/ 82 b/ 42 22 21 99 91 84 84 113 Females, 2 and over.................... 102 30 40 27 63 56 99 123 122 213 Children under 2....................... 28 b/ 33 b/ 1 b/ 24 b/ 45 b/ 21 b/ 43 b/ 40 24 26 Other apparel products and services.... 99 b/ 66 b/ 213 b/ 35 b/ 50 106 70 b/ 53 113 127 Jewelry and watches.................. 53 b/ 25 b/ 186 b/ 8 b/ 7 21 16 b/ 24 39 102 All other apparel products and services............................ 46 b/ 41 b/ 27 b/ 27 b/ 43 b/ 85 b/ 54 b/ 30 b/ 74 b/ 25 Transportation........................... 75 45 10 9 16 74 43 46 81 211 Health care.............................. 38 b/ 17 b/ 17 b/ 7 b/ 11 b/ 24 b/ 28 b/ 41 b/ 65 81 Entertainment............................ 164 b/ 50 79 48 80 92 158 234 180 349 Toys, games, hobbies, and tricycles.... 62 b/ 21 27 36 35 61 51 53 78 117 Other entertainment.................... 103 b/ 30 52 b/ 12 46 31 107 182 102 232 Education................................ 151 b/ 3 b/ 17 b/ 10 b/ 54 b/ 52 b/ 47 b/ 76 b/ 129 581 All other gifts.......................... 198 69 29 114 64 110 321 189 218 415 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Data are likely to have large sampling errors. c/ Value less than 0.5. d/ No data reported.