Table 4. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ____________________________________________________________________________________________________ Number of consumer units (in thousands)... 13,423 463 1,104 1,023 1,002 2,032 2,048 1,420 2,059 2,271 Income before taxes 1/.................... $43,505 $1,888 $7,668 $12,475 $17,256 $24,707 $34,273 $44,720 $58,672 $105,625 Income after taxes 1/..................... 39,988 1,949 7,711 12,309 17,034 23,413 31,895 41,451 53,963 94,590 Age of reference person................... 43.1 40.5 41.1 41.2 42.7 42.3 42.2 42.7 45.1 45.4 Average number in consumer unit:.......... Persons.................................. 3 3 3 3 3 3 3 3 3 3 Children under 18........................ 0.8 1.3 1.2 1.2 1 0.8 0.8 0.7 0.6 0.6 Persons 65 and over...................... 0.2 0.2 0.2 0.2 0.3 0.3 0.2 0.1 0.1 0.1 Earners.................................. 1.7 0.9 0.9 1.1 1.4 1.6 1.8 2 2.2 2.2 Vehicles................................. 2.4 1.6 1.1 1.5 1.6 2.3 2.5 2.8 2.9 3 Percent distribution: Male..................................... 63 35 23 39 49 64 67 74 75 84 Female................................... 37 65 77 61 51 36 33 26 25 16 Percent homeowner........................ 66 40 34 38 44 59 69 77 85 93 With mortgage........................... 47 22 10 19 22 36 46 56 68 82 Without mortgage........................ 19 18 24 19 22 22 22 20 17 10 Renter................................... 34 60 66 62 56 41 31 23 15 7 Black.................................... 12 25 25 24 18 15 9 6 5 6 White and other.......................... 88 75 75 76 82 85 91 94 95 94 Elementary (1-8)......................... 6 9 15 7 12 10 7 4 2 0 High school (9-12)....................... 46 54 65 59 58 55 52 46 38 20 College.................................. 47 37 19 32 30 35 41 50 61 80 Never attended and other................. 0 1 1 2 0 0 0 0 0 0 At least one vehicle owned............... 90 69 61 79 83 96 96 98 97 98 Average annual expenditures............... $38,655 $19,990 $15,272 $21,630 $24,921 $28,258 $34,438 $40,577 $47,981 $70,405 Food..................................... 5,398 3,806 3,041 3,669 4,364 4,561 4,984 5,455 6,108 8,255 Food at home............................ 3,366 2,924 2,573 2,591 2,999 3,165 3,096 3,561 3,603 4,341 Cereals and bakery products............ 529 433 369 397 504 489 454 567 575 710 Cereals and cereal products........... 203 178 151 174 218 200 164 213 207 255 Bakery products....................... 327 254 217 223 285 289 290 355 367 455 Meats, poultry, fish, and eggs......... 899 964 763 777 868 926 853 921 895 1,014 Beef.................................. 275 339 240 236 248 265 301 262 277 303 Pork.................................. 185 180 198 162 191 213 160 176 182 194 Other meats........................... 127 130 95 124 115 125 126 128 121 152 Poultry............................... 174 180 146 140 160 170 160 188 179 211 Fish and seafood...................... 103 100 53 80 118 113 72 135 99 128 Eggs.................................. 34 34 32 35 36 39 34 32 36 28 Dairy products......................... 360 283 264 269 328 338 344 387 381 467 Fresh milk and cream.................. 155 156 120 127 145 162 148 171 167 165 Other dairy products.................. 206 127 144 142 183 176 195 216 213 302 Fruits and vegetables.................. 530 450 360 409 456 459 507 548 564 738 Fresh fruits.......................... 162 126 124 108 129 144 132 163 173 253 Fresh vegetables...................... 161 139 105 135 123 141 164 173 171 219 Processed fruits...................... 114 99 81 88 118 89 109 119 122 154 Processed vegetables.................. 92 87 51 78 86 85 101 93 99 112 Other food at home..................... 1,048 794 816 739 844 953 939 1,137 1,189 1,412 Sugar and other sweets................ 127 91 97 80 99 121 102 165 126 187 Fats and oils......................... 95 85 83 92 89 90 89 99 102 108 Miscellaneous foods................... 472 360 333 334 418 380 443 470 567 644 Nonalcoholic beverages................ 305 229 270 213 224 328 273 347 334 377 Food prep. by cu, out-of-town trips... 48 28 33 22 14 33 33 56 61 96 Food away from home..................... 2,032 882 469 1,078 1,365 1,396 1,888 1,895 2,505 3,914 Alcoholic beverages...................... 287 98 34 110 165 225 252 386 352 528 Housing.................................. 11,792 6,956 5,653 7,869 8,264 8,495 10,283 11,829 13,782 21,455 Shelter................................. 6,427 3,956 3,067 4,480 4,445 4,566 5,399 6,130 7,574 12,056 Owned dwellings........................ 4,219 1,371 839 1,485 1,759 2,101 3,288 4,074 5,909 10,052 Mortgage interest and charges......... 2,598 636 340 828 709 1,112 1,877 2,546 3,730 6,716 Property taxes........................ 955 423 279 427 685 573 775 906 1,280 1,988 Maintenance, rep., ins., oth. exp..... 665 312 219 230 365 415 636 622 899 1,348 Rented dwellings....................... 1,808 2,399 2,190 2,878 2,592 2,253 1,874 1,726 1,218 800 Other lodging.......................... 401 186 39 117 94 213 237 330 447 1,204 Utilities, fuels, and public services... 2,475 1,787 1,738 2,101 2,174 2,221 2,361 2,584 2,790 3,253 Natural gas............................ 302 195 267 286 312 261 265 307 316 398 Electricity............................ 994 728 715 803 810 916 975 1,047 1,106 1,305 Fuel oil and other fuels............... 92 84 58 89 60 96 98 105 113 88 Telephone.............................. 791 595 543 710 743 717 735 804 888 1,031 Water and other public services........ 296 185 156 212 249 231 289 321 367 431 Household operations.................... 676 362 115 381 471 424 550 710 803 1,439 Personal services...................... 434 158 52 258 378 322 413 516 543 749 Other household expenses............... 242 204 63 124 93 102 137 194 260 690 Housekeeping supplies................... 525 296 196 310 325 420 479 607 643 864 Laundry and cleaning supplies.......... 150 156 94 106 127 133 142 145 174 201 Other household products............... 241 82 75 145 122 177 192 330 295 429 Postage and stationery................. 135 58 27 60 75 110 144 132 173 233 Household furnishings and equipment..... 1,688 556 536 596 849 864 1,494 1,798 1,973 3,843 Household textiles..................... 119 3 104 40 94 42 74 144 114 288 Furniture.............................. 388 170 168 179 283 203 379 385 403 845 Floor coverings........................ 219 4 7 54 45 15 201 141 142 791 Major appliances....................... 175 141 102 133 137 119 180 179 234 244 Small appliances, misc. housewares..... 97 29 31 37 40 62 82 142 114 194 Miscellaneous household equipment...... 690 211 125 153 250 424 579 807 966 1,481 Apparel and services..................... 2,192 974 1,241 1,263 1,502 1,617 1,960 2,287 2,266 4,134 Men and boys............................ 527 217 306 274 298 399 567 429 509 1,056 Men, 16 and over....................... 423 177 199 172 221 310 412 349 456 890 Boys, 2 to 15.......................... 105 40 107 102 77 89 155 80 53 166 Women and girls......................... 846 283 348 386 703 597 640 1,029 949 1,592 Women, 16 and over..................... 725 170 241 247 604 469 505 876 836 1,490 Girls, 2 to 15......................... 121 113 107 139 99 129 135 152 113 102 Children under 2........................ 157 148 204 116 108 129 143 115 147 255 Footwear................................ 341 160 228 200 253 287 386 414 317 518 Other apparel products and services..... 321 166 155 288 139 204 224 300 344 713 Transportation........................... 7,672 4,171 2,385 4,477 4,266 6,176 7,578 9,149 10,263 12,027 Vehicle purchases (net outlay).......... 3,636 2,393 1,009 2,336 1,915 2,988 3,940 4,764 4,864 4,999 Cars and trucks, new................... 1,780 1,186 295 696 839 1,102 1,859 2,450 2,330 3,145 Cars and trucks, used.................. 1,826 1,207 715 1,640 1,052 1,881 2,069 2,299 2,491 1,753 Other vehicles......................... 30 0 0 0 24 5 13 15 43 101 Gasoline and motor oil.................. 1,204 661 594 752 772 1,042 1,249 1,413 1,520 1,695 Other vehicle expenses.................. 2,486 904 652 1,223 1,379 1,974 2,135 2,676 3,558 4,419 Vehicle finance charges................ 326 117 44 119 136 271 318 473 456 530 Maintenance and repairs................ 859 379 314 450 489 793 673 818 1,328 1,377 Vehicle insurance...................... 869 340 217 485 565 668 836 1,084 1,163 1,409 Veh. rent., leas., licen., oth. chges.. 432 68 76 168 189 242 308 301 611 1,103 Public transportation................... 346 213 129 165 199 172 255 295 322 914 Health care.............................. 1,780 892 766 1,075 1,414 1,543 1,751 1,942 2,202 2,672 Health insurance........................ 802 444 287 505 783 772 844 879 950 1,076 Medical services........................ 591 185 243 293 333 431 577 624 759 1,071 Drugs................................... 281 223 206 224 218 253 258 319 334 351 Medical supplies........................ 105 40 30 53 81 86 71 119 159 174 Entertainment............................ 1,840 1,000 719 861 988 1,264 1,486 2,000 2,197 3,780 Fees and admissions..................... 478 115 104 155 208 191 309 390 615 1,336 Television, radios, sound equipment..... 622 253 382 406 441 493 582 820 716 932 Pets, toys, and playground equipment.... 401 278 116 199 192 407 309 447 526 681 Other supplies, equip., and services.... 340 353 116 101 147 173 286 342 340 831 Personal care products and services...... 509 279 257 312 374 458 502 488 651 737 Reading.................................. 178 92 54 83 107 115 154 207 227 346 Education................................ 602 228 95 217 331 338 364 457 749 1,625 Tobacco products and smoking supplies.... 325 215 204 241 326 385 389 313 394 280 Miscellaneous............................ 845 571 128 414 1,000 600 899 941 1,027 1,304 Cash contributions....................... 970 344 375 217 431 475 508 851 1,510 2,411 Personal insurance and pensions.......... 4,263 365 320 825 1,388 2,004 3,329 4,272 6,251 10,850 Life and other personal insurance....... 458 138 84 225 327 287 375 497 627 915 Pensions and Social Security............ 3,806 226 237 600 1,061 1,717 2,954 3,775 5,624 9,935 Money income before taxes 1/.............. 43,505 1,888 7,668 12,475 17,256 24,707 34,273 44,720 58,672 105,625 Wages and salaries....................... 36,750 1,466 2,298 6,093 11,908 19,069 28,327 38,735 52,078 93,757 Self-employment income................... 1,877 (2,045) 146 480 544 687 1,451 1,653 2,635 5,638 Soc. Sec., priv. and gov. retirement..... 2,763 902 1,233 2,491 2,817 3,347 2,851 2,872 2,562 3,496 Int., divid., rent. inc., property inc... 532 42 18 102 94 293 249 437 462 1,862 Unemp. and workers' compen., vet. ben.... 304 44 61 208 438 517 429 154 344 212 Pub. ass., supp. sec. inc., foodstamps... 706 1,170 3,601 2,561 960 223 300 49 27 80 Regular contributions for support........ 432 166 250 352 414 474 524 532 489 381 Other income............................. 142 143 60 188 81 97 142 289 75 198 Personal taxes 1/......................... 3,517 (61) (43) 166 223 1,295 2,378 3,269 4,709 11,035 Federal income taxes..................... 2,584 (67) (94) 14 35 815 1,655 2,334 3,451 8,500 State and local income taxes............. 762 (5) 10 54 95 305 563 757 1,028 2,245 Other taxes.............................. 172 11 41 99 92 174 161 178 229 290 Income after taxes 1/..................... 39,988 1,949 7,711 12,309 17,034 23,413 31,895 41,451 53,963 94,590 Net change in total assets and liabilities (1,860) (3,345) 158 1,587 (2,169) (2,310) (1,202) (3,812) (2,894) (1,986) Net change in total assets............... 3,463 2,737 (102) 2,213 (507) 1,126 3,659 3,585 6,298 6,924 Net change in total liabilities.......... 5,322 6,082 (260) 626 1,662 3,436 4,861 7,397 9,193 8,910 Other money receipts...................... 860 393 273 122 165 523 319 382 851 2,976 Mortgage principal paid, owned property... (1,573) (494) (154) (284) (395) (523) (932) (1,843) (1,540) (4,965) Estimated market value of owned home...... 77,464 27,239 24,062 33,759 46,892 45,679 61,949 71,446 97,720 174,704 Est. monthly rental value of owned home... 535 227 196 230 273 343 459 558 691 1,102 Gifts of goods and services............... 1,184 420 331 407 610 562 887 967 1,567 2,915 Food.................................... 107 12 18 33 15 43 107 109 104 301 Housing................................. 332 113 99 136 162 138 315 285 397 796 Housekeeping supplies................. 43 12 6 12 14 31 51 46 58 80 Household textiles.................... 13 0 0 1 27 0 10 38 10 22 Appliances and misc. housewares....... 32 12 7 4 16 13 32 37 31 80 Major appliances.................... 5 0 0 2 7 6 6 3 8 4 Small appl. and misc. housewares.... 27 12 7 2 8 7 25 34 23 76 Miscellaneous household equipment..... 87 30 2 12 36 27 88 64 151 191 Other housing......................... 158 58 84 109 69 67 134 101 147 422 Apparel and services.................... 294 200 136 101 157 164 222 269 416 594 Males 2 and over...................... 78 141 11 8 20 35 47 66 125 178 Females 2 and over.................... 111 37 79 37 76 75 93 119 146 194 Children under 2...................... 53 21 25 47 36 46 39 42 53 105 Other apparel products and services... 52 1 22 9 25 9 44 42 92 118 Jewelry and watches................. 17 1 4 7 4 5 13 23 30 36 All other apparel products and serv. 35 0 17 2 21 4 31 19 62 81 Transportation.......................... 50 26 14 11 16 28 17 26 127 98 Health care............................. 35 9 4 9 1 14 16 18 32 129 Entertainment........................... 75 50 22 31 28 39 63 74 111 158 Toys, games, hobbies, and tricycles... 34 13 10 14 17 26 33 40 55 53 Other entertainment................... 41 37 12 17 11 13 30 34 56 105 Education............................... 183 2 4 56 188 42 30 60 229 662 All other gifts......................... 108 8 34 29 44 93 116 126 152 178 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.