Table 38. Consumer units of three persons 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)...... 13,243 484 742 931 893 1,828 1,597 1,459 2,433 2,875 Income before taxes a/ ...................... $48,797 $1,454 $7,751 $12,636 $17,575 $24,719 $34,682 $44,489 $58,437 $105,969 Income after taxes a/ ....................... 44,813 1,100 8,039 12,631 17,440 24,106 32,579 41,167 53,336 95,206 Age of the reference person.................. 43.6 38.8 42.3 42.4 44.3 44.9 42.5 43.4 43.0 45.3 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 1.2 1.1 .9 .8 .8 .7 .7 .6 Persons 65 and over......................... .2 b/ .1 .2 .2 .3 .3 .2 .1 .1 .1 Earners..................................... 1.8 1.0 1.0 1.2 1.4 1.6 1.8 1.9 2.1 2.2 Vehicles.................................... 2.4 1.4 1.3 1.5 1.9 2.1 2.4 2.6 2.9 3.1 Percent distribution: Male........................................ 61 28 26 41 44 59 62 69 70 75 Female...................................... 39 72 74 59 56 41 38 31 30 25 Homeowner................................... 68 39 35 38 51 60 66 71 81 90 With mortgage.............................. 49 21 15 18 23 32 44 54 68 75 Without mortgage........................... 19 18 20 20 27 27 22 17 13 15 Renter...................................... 32 61 65 62 49 40 34 29 19 10 Black....................................... 13 26 29 24 20 17 10 11 9 7 White and other............................. 87 74 71 76 80 83 90 89 91 93 Elementary (1-8)............................ 6 9 12 13 12 12 4 3 2 c/ High school (9-12).......................... 40 56 61 57 58 47 44 41 31 20 College..................................... 54 34 27 29 29 40 52 56 67 80 Never attended and other.................... c/ 2 1 c/ c/ c/ c/ d/ c/ d/ At least one vehicle owned or leased........ 92 65 65 78 87 92 97 99 98 99 Average annual expenditures.................. $43,142 $23,690 $19,768 $21,961 $26,023 $29,566 $34,422 $42,147 $50,395 $72,452 Food........................................ 5,831 3,819 3,519 3,740 4,518 4,622 5,142 5,756 6,364 8,580 Food at home............................. 3,449 2,652 2,515 2,923 3,316 3,166 3,233 3,310 3,653 4,250 Cereals and bakery products............ 524 408 406 421 516 494 514 516 532 630 Cereals and cereal products.......... 179 154 148 169 212 168 182 162 167 211 Bakery products...................... 345 254 258 252 304 326 332 354 365 419 Meats, poultry, fish, and eggs......... 884 872 688 810 915 860 846 833 892 1,020 Beef................................. 266 285 172 252 274 269 233 262 298 285 Pork................................. 187 182 163 173 203 177 197 180 184 203 Other meats.......................... 110 110 95 80 125 123 102 119 107 115 Poultry.............................. 171 181 133 165 177 157 166 147 162 214 Fish and seafood..................... 112 b/ 79 87 97 93 93 111 85 109 165 Eggs................................. 38 35 38 42 43 41 38 39 32 37 Dairy products......................... 379 278 269 336 376 361 335 338 423 466 Fresh milk and cream................. 151 128 132 154 132 153 145 146 160 165 Other dairy products................. 228 150 137 182 243 208 190 192 263 301 Fruits and vegetables.................. 553 408 392 485 535 474 528 509 564 730 Fresh fruits......................... 166 98 122 176 181 136 165 134 172 215 Fresh vegetables..................... 170 140 107 137 189 152 140 144 176 240 Processed fruits..................... 123 97 82 91 97 103 122 129 118 169 Processed vegetables................. 94 72 81 81 69 84 100 102 99 106 Other food at home..................... 1,109 686 759 871 974 977 1,009 1,115 1,243 1,405 Sugar and other sweets............... 133 75 120 114 191 117 120 124 143 150 Fats and oils........................ 96 76 70 79 104 97 88 89 111 102 Miscellaneous foods.................. 523 298 352 369 406 456 480 562 583 682 Nonalcoholic beverages............... 290 198 202 278 239 267 274 278 337 336 Food prepared by consumer unit on out-of-town trips................... 67 b/ 38 b/ 16 b/ 31 33 40 47 61 69 135 Food away from home...................... 2,382 1,167 1,004 817 1,202 1,456 1,910 2,446 2,710 4,329 Alcoholic beverages......................... 339 284 78 160 236 226 292 291 353 624 Housing..................................... 13,216 8,601 6,997 7,670 8,897 9,191 11,084 12,287 14,821 21,555 Shelter.................................. 7,376 5,255 3,845 4,280 4,915 4,896 6,041 6,671 8,085 12,491 Owned dwellings........................ 4,899 2,259 1,372 1,178 1,908 2,300 3,436 4,437 5,971 10,181 Mortgage interest and charges........ 3,029 1,393 558 586 757 1,229 2,081 2,716 3,944 6,498 Property taxes....................... 1,126 391 403 286 706 593 717 1,046 1,185 2,396 Maintenance, repairs, insurance,other expenses............................ 743 474 410 306 445 478 637 674 843 1,287 Rented dwellings....................... 1,979 2,825 2,386 2,993 2,881 2,430 2,395 1,892 1,587 982 Other lodging.......................... 498 171 b/ 87 b/ 109 125 166 210 342 527 1,328 Utilities, fuels, and public services.... 2,764 2,046 2,021 1,960 2,136 2,518 2,599 2,720 2,969 3,629 Natural gas............................ 327 219 210 229 245 320 314 333 332 435 Electricity............................ 1,039 798 877 836 834 926 986 1,061 1,061 1,323 Fuel oil and other fuels............... 112 b/ 121 b/ 64 b/ 40 85 110 114 101 110 162 Telephone services..................... 957 738 686 672 778 892 879 909 1,081 1,218 Water and other public services........ 329 170 183 182 193 271 306 316 384 492 Household operations..................... 781 309 173 282 277 445 556 708 884 1,623 Personal services...................... 502 223 108 228 187 327 413 530 657 855 Other household expenses............... 279 87 65 54 90 119 143 178 227 768 Housekeeping supplies.................... 537 299 283 354 381 353 476 477 692 800 Laundry and cleaning supplies.......... 141 102 127 161 133 108 121 156 165 152 Other household products............... 244 167 104 158 145 155 230 169 317 392 Postage and stationery................. 153 b/ 30 52 35 103 90 124 152 210 256 Household furnishings and equipment...... 1,757 691 676 794 1,188 978 1,412 1,710 2,191 3,012 Household textiles..................... 111 b/ 9 35 45 122 64 90 96 137 194 Furniture.............................. 427 198 141 285 324 260 260 413 422 826 Floor coverings........................ 78 b/ 64 b/ 28 b/ 6 b/ 35 b/ 14 b/ 120 b/ 29 84 161 Major appliances....................... 206 b/ 151 123 81 196 153 160 271 300 216 Small appliances, miscellaneous housewares............................ 109 b/ 20 24 24 101 73 60 106 147 197 Miscellaneous household equipment...... 826 249 325 353 412 414 723 795 1,101 1,418 Apparel and services....................... 2,144 1,107 1,456 1,078 1,676 1,427 1,910 1,859 2,491 3,395 Men and boys............................. 523 185 270 181 323 412 417 515 587 891 Men, 16 and over....................... 413 b/ 61 b/ 191 95 239 278 314 386 499 766 Boys, 2 to 15.......................... 109 124 79 86 84 134 104 129 89 125 Women and girls.......................... 788 417 528 508 709 480 742 660 887 1,230 Women, 16 and over..................... 659 293 430 380 484 372 632 495 781 1,097 Girls, 2 to 15......................... 129 124 98 128 225 108 109 165 107 133 Children under 2......................... 148 b/ 64 b/ 104 b/ 87 b/ 66 110 155 126 206 196 Footwear................................. 359 b/ 261 b/ 222 169 384 240 411 326 431 453 Other apparel products and services...... 326 179 332 132 195 185 185 233 379 625 Transportation............................. 8,664 4,459 3,864 4,970 4,553 6,350 6,300 10,421 10,839 13,171 Vehicle purchases (net outlay)........... 3,989 2,087 1,936 2,517 1,859 3,080 2,431 5,684 5,223 5,516 Cars and trucks, new................... 1,787 b/ 259 b/ 572 b/ 897 b/ 285 b/ 832 b/ 769 1,828 2,608 3,569 Cars and trucks, used.................. 2,137 1,828 1,364 1,601 1,333 2,230 1,637 3,696 2,549 1,889 Other vehicles......................... 65 d/ d/ b/ 19 b/ 241 b/ 18 b/ 25 b/ 160 b/ 66 b/ 58 Gasoline and motor oil................... 1,317 838 773 828 946 1,063 1,219 1,478 1,562 1,739 Other vehicle expenses................... 2,934 1,315 986 1,518 1,587 2,009 2,379 2,908 3,609 4,954 Vehicle finance charges................ 446 231 88 166 225 302 495 563 633 583 Maintenance and repairs................ 823 432 375 776 465 553 675 724 995 1,316 Vehicle insurance...................... 980 437 366 450 642 758 845 1,074 1,198 1,491 Vehicle rental, leases, licenses, other charges......................... 684 214 157 126 255 396 364 547 783 1,564 Public transportation.................... 424 219 170 106 160 197 271 351 445 962 Health care................................ 1,991 1,296 997 1,134 1,533 1,711 1,886 2,103 2,138 2,841 Health insurance......................... 971 541 415 495 753 931 936 1,101 1,070 1,306 Medical services......................... 589 480 329 278 356 402 507 565 682 946 Drugs.................................... 317 211 221 289 353 280 338 338 277 391 Medical supplies......................... 114 b/ 63 b/ 32 72 71 97 105 100 110 199 Entertainment.............................. 2,021 1,278 634 758 989 1,369 1,388 1,763 2,538 3,704 Fees and admissions...................... 497 307 117 113 174 196 340 436 542 1,122 Television, radios, sound equipment...... 626 476 202 372 414 532 516 695 747 889 Pets, toys, and playground equipment..... 408 260 177 219 169 313 320 404 526 639 Other entertainment supplies, equipment,and services.................. 491 235 138 54 232 328 212 227 723 1,054 Personal care products and services........ 494 364 318 291 340 298 408 450 522 853 Reading.................................... 175 90 56 59 86 116 136 148 230 313 Education.................................. 732 249 285 233 454 518 457 362 868 1,539 Tobacco products and smoking supplies...... 351 379 448 353 347 344 345 403 392 267 Miscellaneous.............................. 1,062 820 523 352 939 743 1,068 1,128 1,157 1,592 Cash contributions......................... 1,053 b/ 264 b/ 101 294 184 632 763 949 1,286 2,234 Personal insurance and pensions............ 5,068 679 493 869 1,270 2,019 3,243 4,226 6,397 11,784 Life and other personal insurance........ 483 444 137 143 212 350 316 390 541 948 Pensions and Social Security............. 4,585 234 356 726 1,059 1,670 2,926 3,836 5,856 10,836 Sources of income and personal taxes: a/ Money income before taxes................. 48,797 1,454 7,751 12,636 17,575 24,719 34,682 44,489 58,437 105,969 Wages and salaries....................... 41,785 2,043 2,675 6,932 11,787 17,201 29,011 38,297 52,705 94,451 Self-employment income................... 2,275 b/ -2178 b/ 185 b/ 383 398 1,314 1,092 1,437 2,304 6,432 Social Security, private and government retirement................... 2,883 312 1,723 3,002 4,013 4,703 3,455 3,582 2,204 1,969 Interest, dividends, rental income, other property income................... 681 b/ 14 b/ 46 b/ 100 74 149 174 432 438 2,284 Unemployment and workers'' compensation, veterans'' benefits..................... 212 b/ 14 187 b/ 79 254 221 234 192 231 257 Public assistance, supplemental security, income, food stamps..................... 430 876 2,418 1,571 521 372 231 172 b/ 102 c/ Regular contributions for support........ 333 b/ 102 299 400 254 643 392 210 293 252 Other income............................. 198 b/ 273 219 b/ 168 274 117 92 167 161 324 Personal taxes............................. 3,984 355 -289 4 134 613 2,103 3,323 5,101 10,764 Federal income taxes..................... 3,081 220 -326 -100 -8 371 1,541 2,556 3,973 8,525 State and local income taxes............. 753 3 -1 76 105 175 485 618 964 1,900 Other taxes.............................. 150 b/ 132 b/ 38 28 38 67 77 149 164 338 Income after taxes.......................... 44,813 1,100 8,039 12,631 17,440 24,106 32,579 41,167 53,336 95,206 Net change in total assets and liabilities.. -1,811 3,090 1,371 -1,183 6,546 -610 1,641 -4,753 -8,878 -1,465 Net change in total assets............... 8,400 15,392 3,605 1,452 4,947 3,548 5,677 5,419 4,047 21,581 Net change in total liabilities.......... 10,211 12,302 2,234 2,635 -1,599 4,158 4,037 10,172 12,925 23,046 Other financial information: Other money receipts..................... 573 b/ 356 b/ 65 127 84 280 219 289 653 1,496 Mortgage principal paid on owned property................................ -1,268 -448 -236 -233 -437 -537 -941 -1,062 -1,545 -2,781 Estimated market value of owned home..... 85,501 37,821 33,411 28,405 44,501 49,321 61,612 77,995 92,250 172,600 Estimated monthly rental value of owned home.............................. 607 262 245 212 335 391 443 553 701 1,148 Gifts of goods and services................. 1,198 356 549 632 402 559 843 1,056 1,399 2,436 Food..................................... 91 b/ 5 b/ 13 b/ 22 26 24 38 105 81 242 Housing.................................. 368 93 81 180 143 222 231 428 416 710 Housekeeping supplies.................. 41 b/ 8 b/ 14 b/ 15 23 26 35 46 45 75 Household textiles..................... 14 d/ d/ b/ 7 c/ b/ 12 b/ 2 b/ 24 21 26 Appliances and miscellaneous housewares............................ 36 b/ 4 b/ 2 b/ 5 b/ 24 b/ 18 b/ 11 32 85 49 Major appliances..................... 7 d/ d/ b/ 1 b/ 9 b/ 5 b/ 5 b/ 3 16 6 Small appliances and miscellaneous housewares.......................... 29 b/ 4 b/ 2 b/ 4 b/ 14 b/ 12 b/ 6 28 70 42 Miscellaneous household equipment...... 91 b/ 12 b/ 12 21 20 60 40 158 112 159 Other housing.......................... 185 b/ 70 53 132 76 106 143 169 152 401 Apparel and services..................... 248 b/ 78 345 92 131 110 224 246 300 387 Males, 2 and over...................... 60 b/ 15 24 b/ 7 39 24 39 47 54 149 Females, 2 and over.................... 83 b/ 24 48 b/ 19 45 16 85 126 105 127 Children under 2....................... 47 b/ 13 b/ 21 b/ 50 b/ 35 40 66 41 57 51 Other apparel products and services.... 57 b/ 25 b/ 252 b/ 16 b/ 12 29 34 32 83 60 Jewelry and watches.................. 30 b/ 9 b/ 229 b/ 1 b/ 8 b/ 11 b/ 8 12 38 23 All other apparel products and services............................ 27 b/ 16 b/ 23 b/ 15 b/ 3 b/ 18 b/ 26 b/ 20 b/ 45 b/ 37 Transportation........................... 70 11 26 177 10 64 19 34 126 86 Health care.............................. 29 b/ 1 d/ b/ 22 b/ 1 b/ 14 b/ 40 b/ 24 24 59 Entertainment............................ 76 b/ 37 b/ 43 b/ 47 38 44 74 63 73 142 Toys, games, hobbies, and tricycles.... 30 b/ 19 b/ 7 b/ 10 b/ 11 21 34 37 33 49 Other entertainment.................... 46 b/ 19 b/ 35 b/ 37 b/ 27 23 40 26 40 93 Education................................ 195 b/ 74 b/ 14 b/ 11 b/ 1 b/ 25 b/ 49 b/ 50 254 597 All other gifts.......................... 121 55 28 79 55 56 167 106 125 214 _____________________________________________ 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.