Table 4. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1990-91 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 13850 505 1308 1169 1203 2201 2091 5374 Income before taxes 1/.................... 38924 1490 7689 12391 17189 24647 34446 68266 Income after taxes 1/..................... 35592 1706 7718 12274 16682 23317 32056 61265 Age of reference person................... 43.4 42.7 40.5 45.2 44.7 43.6 42.9 43.7 Average number in consumer unit:.......... Persons.................................. 3 3 3 3 3 3 3 3 Children under 18........................ 0.8 1 1.2 0.9 0.8 0.7 0.7 0.7 Persons 65 and over...................... 0.2 0.2 0.2 0.3 0.3 0.3 0.2 0.1 Earners.................................. 1.8 1.3 1 1.3 1.6 1.8 1.9 2.1 Vehicles................................. 2.3 1.7 1.2 1.5 1.9 2.2 2.6 2.9 Percent distribution: Male..................................... 69 40 34 53 55 70 78 83 Female................................... 31 60 66 47 45 30 22 17 Percent homeowner........................ 67 48 34 43 54 63 74 84 With mortgage........................... 49 33 14 15 29 41 52 72 Without mortgage........................ 18 15 20 29 25 21 23 12 Renter................................... 33 52 66 57 46 37 26 16 Black.................................... 13 29 32 21 17 12 10 6 White and other.......................... 87 71 68 79 83 88 90 94 Elementary (1-8)......................... 8 12 19 15 18 8 7 2 High school (9-12)....................... 45 48 55 61 54 53 51 31 College.................................. 46 39 24 23 27 39 43 67 Never attended and other................. 0 1 2 1 1 0 0 0 At least one vehicle owned............... 91 77 68 80 89 93 98 98 Average annual expenditures............... 34920 21835 14244 18752 23551 25855 32833 51513 Food..................................... 5023 4222 2782 3526 3743 4160 4704 6639 Food at home............................ 2979 3158 2212 2543 2551 2676 2910 3470 Cereals and bakery products............ 453 425 312 362 390 415 427 543 Cereals and cereal products........... 155 192 131 135 143 164 134 169 Bakery products....................... 298 233 181 227 247 251 293 374 Meats, poultry, fish, and eggs......... 816 1020 696 795 745 738 771 896 Beef.................................. 262 293 211 264 237 260 271 273 Pork.................................. 172 198 157 173 186 139 149 193 Other meats........................... 114 177 96 103 101 112 108 121 Poultry............................... 139 159 129 138 107 111 143 158 Fish and seafood...................... 94 139 63 70 79 84 66 119 Eggs.................................. 35 54 39 47 37 31 34 31 Dairy products......................... 341 362 271 292 308 306 333 390 Fresh milk and cream.................. 155 196 150 157 152 151 143 159 Other dairy products.................. 186 166 122 135 156 155 189 231 Fruits and vegetables.................. 467 513 346 343 388 411 450 562 Fresh fruits.......................... 137 110 91 90 101 125 135 173 Fresh vegetables...................... 134 140 97 106 115 124 126 159 Processed fruits...................... 110 123 75 70 94 94 113 135 Processed vegetables.................. 84 141 83 76 77 67 76 95 Other food at home..................... 902 837 587 751 719 805 929 1079 Sugar and other sweets................ 103 97 68 94 87 97 108 117 Fats and oils......................... 79 88 59 61 62 77 83 90 Miscellaneous foods................... 412 379 274 334 312 353 435 499 Nonalcoholic beverages................ 262 266 177 240 249 239 258 297 Food prep. by cu, out-of-town trips... 47 7 8 22 9 39 44 78 Food away from home..................... 2044 1064 570 983 1192 1484 1793 3170 Alcoholic beverages...................... 310 214 101 98 134 236 223 507 Housing.................................. 10400 7957 5050 5760 7081 7961 9477 14997 Shelter................................. 5624 4419 2714 2943 3615 4100 4816 8416 Owned dwellings........................ 3712 2626 899 931 1522 2098 3058 6510 Mortgage interest and charges......... 2394 1818 334 449 764 1212 1835 4440 Property taxes........................ 747 511 307 305 357 456 546 1258 Maintenance, rep., ins., oth. exp..... 571 296 259 177 401 429 676 813 Rented dwellings....................... 1534 1548 1745 1947 1985 1850 1474 1184 Other lodging.......................... 378 245 70 65 108 152 284 722 Utilities, fuels, and public services... 2208 1765 1564 1651 1971 2047 2279 2618 Natural gas............................ 279 243 225 225 241 238 276 334 Electricity............................ 897 686 645 678 789 866 897 1064 Fuel oil and other fuels............... 106 91 62 49 67 119 127 127 Telephone.............................. 683 555 491 524 682 612 718 792 Water and other public services........ 242 190 142 175 192 212 261 301 Household operations.................... 636 308 162 272 401 403 584 1031 Personal services...................... 424 204 94 181 313 327 454 630 Other household expenses............... 213 104 68 92 88 76 130 400 Housekeeping supplies................... 508 579 207 317 346 392 558 676 Laundry and cleaning supplies.......... 141 198 85 109 131 122 138 167 Other household products............... 212 183 73 108 135 131 222 313 Postage and stationery................. 155 198 48 100 80 139 198 196 Household furnishings and equipment..... 1424 885 403 576 748 1019 1240 2257 Household textiles..................... 125 23 14 41 88 81 132 198 Furniture.............................. 343 250 190 155 173 238 349 509 Floor coverings........................ 131 9 4 11 60 74 64 257 Major appliances....................... 160 185 65 88 104 143 169 211 Small appliances, misc. housewares..... 98 47 21 35 47 63 80 164 Miscellaneous household equipment...... 568 372 109 247 276 420 447 918 Apparel and services..................... 2159 1357 923 1287 1826 1533 1803 3138 Men and boys............................ 542 448 137 447 398 408 424 786 Men, 16 and over....................... 442 187 91 166 320 313 367 703 Boys, 2 to 15.......................... 100 260 46 281 78 95 57 83 Women and girls......................... 864 341 391 357 733 580 804 1279 Women, 16 and over..................... 749 255 331 260 663 470 697 1132 Girls, 2 to 15......................... 115 86 59 98 69 110 108 147 Children under 2........................ 145 109 118 108 97 131 137 183 Footwear................................ 277 202 155 223 406 218 185 346 Other apparel products and services..... 331 256 122 151 192 197 252 545 Transportation........................... 6376 3596 2748 3685 4923 4763 7058 8819 Vehicle purchases (net outlay).......... 2739 1412 1317 1738 2304 1819 3184 3727 Cars and trucks, new................... 1432 671 147 204 1011 768 1665 2359 Cars and trucks, used.................. 1262 740 1106 1534 1287 1051 1481 1286 Other vehicles......................... 44 1 64 0 7 0 38 82 Gasoline and motor oil.................. 1244 922 622 754 1012 1162 1444 1539 Other vehicle expenses.................. 2092 1072 696 1010 1469 1610 2225 3041 Vehicle finance charges................ 407 163 134 170 241 316 474 596 Maintenance and repairs................ 708 471 286 322 567 575 725 990 Vehicle insurance...................... 732 340 232 407 542 556 760 1065 Veh. rent., leas., licen., oth. chges.. 245 98 45 111 118 162 267 390 Public transportation................... 302 190 113 183 138 173 205 511 Health care.............................. 1660 1187 753 1234 1280 1553 1663 2143 Health insurance........................ 667 381 285 401 596 696 760 813 Medical services........................ 637 495 259 603 300 503 545 915 Drugs................................... 262 201 165 182 321 270 271 288 Medical supplies........................ 94 110 44 48 63 83 87 127 Entertainment............................ 1640 803 487 763 784 1084 1562 2630 Fees and admissions..................... 386 162 74 112 181 211 316 688 Television, radios, sound equipment..... 550 343 252 370 338 409 617 758 Pets, toys, and playground equipment.... 333 186 124 183 185 257 316 494 Other supplies, equip., and services.... 371 111 38 97 80 205 313 690 Personal care products and services...... 482 254 185 302 340 383 448 685 Reading.................................. 174 93 51 79 104 132 159 271 Education................................ 520 555 105 201 240 310 268 933 Tobacco products and smoking supplies.... 370 311 289 393 352 409 433 353 Miscellaneous............................ 1028 733 239 341 719 672 1053 1596 Cash contributions....................... 983 133 147 252 750 489 703 1788 Personal insurance and pensions.......... 3794 421 384 832 1275 2170 3280 7013 Life and other personal insurance....... 458 239 156 172 241 327 363 754 Pensions and Social Security............ 3335 182 229 660 1034 1843 2916 6259 Money income before taxes 1/.............. 38924 1490 7689 12391 17189 24647 34446 68266 Wages and salaries....................... 31365 1280 2383 7404 11715 19112 28250 57084 Self-employment income................... 2987 -1886 194 273 527 1153 1650 6538 Soc. Sec., priv. and gov. retirement..... 2449 891 1690 2391 3589 2983 2978 2113 Int., divid., rent. inc., property inc... 854 92 21 136 118 386 622 1732 Unemp. and workers' compen., vet. ben.... 316 42 191 364 360 479 367 264 Pub. ass., supp. sec. inc., foodstamps... 519 747 2910 1484 484 94 91 55 Regular contributions for support........ 329 192 215 286 308 366 423 333 Other income............................. 104 132 85 54 88 73 66 147 Personal taxes 1/......................... 3332 -216 -29 117 507 1330 2390 7001 Federal income taxes..................... 2591 -243 -51 -6 316 951 1788 5559 State and local income taxes............. 640 -9 13 50 160 304 509 1279 Other taxes.............................. 100 36 9 74 31 75 93 163 Income after taxes 1/..................... 35592 1706 7718 12274 16682 23317 32056 61265 Net change in total assets and liabilities -778 348 -493 -2769 -1116 -1320 -1284 -25 Net change in total assets............... 3222 -185 -531 -1438 -400 924 3540 7096 Net change in total liabilities.......... 4000 -532 -38 1332 716 2243 4825 7122 Other money receipts...................... 308 242 9 62 180 210 146 574 Mortgage principal paid, owned property... -766 -674 -145 -192 -256 -498 -611 -1334 Estimated market value of owned home...... 73038 58964 23936 36963 36159 45509 59221 119059 Est. monthly rental value of owned home... 457 257 163 215 269 325 413 712 Gifts of goods and services............... 1199 784 265 398 579 599 903 2117 Food.................................... 136 154 21 24 14 33 122 259 Housing................................. 336 194 66 107 189 170 237 596 Housekeeping supplies................. 42 21 11 36 21 33 40 61 Household textiles.................... 12 0 3 3 2 8 21 17 Appliances and misc. housewares....... 35 10 7 10 12 26 23 62 Major appliances.................... 7 3 0 1 0 11 2 12 Small appl. and misc. housewares.... 28 7 7 9 11 15 20 50 Miscellaneous household equipment..... 79 17 6 18 12 48 67 143 Other housing......................... 168 145 39 40 142 56 87 314 Apparel and services.................... 277 102 100 128 217 178 260 422 Males 2 and over...................... 82 27 29 24 43 53 83 131 Females 2 and over.................... 102 47 36 42 99 52 111 152 Children under 2...................... 48 15 32 43 19 39 43 66 Other apparel products and services... 45 13 4 19 56 34 24 73 Jewelry and watches................. 20 11 1 8 15 11 11 35 All other apparel products and serv. 26 2 3 11 41 23 12 37 Transportation.......................... 46 29 8 17 12 35 15 87 Health care............................. 32 41 11 2 14 12 16 62 Entertainment........................... 87 20 19 72 33 58 91 136 Toys, games, hobbies, and tricycles... 25 13 8 5 14 30 22 37 Other entertainment................... 62 7 11 67 19 28 69 99 Education............................... 182 198 26 9 1 43 59 400 All other gifts......................... 103 46 15 40 99 70 102 155 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary