Table 4. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995 - 1996 __________________________________________________________________________________________________________________________________________________________________________________________________________________ | | Complete reporting of income |_____________________________________________________________________________________________________________________________________________________ Item | | | | | | | | | | |Total complete| Less than | $5,000 to | $10,000 to | $15,000 to | $20,000 to | $30,000 to | $40,000 to | $50,000 to | $70,000 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).....................| 13,017| 474| 868| 987| 957| 1,893| 1,843| 1,451| 2,100| 2,446 Income before taxes 1/......................................| $45,048| $1,880| $7,716| $12,357| $17,302| $24,778| $34,476| $44,920| $58,876| $102,547 Income after taxes 1/.......................................| 41,401| 1,985| 7,893| 12,356| 17,049| 23,603| 32,117| 41,614| 54,519| 91,541 Age of reference person.....................................| 43.4| 41.8| 42.3| 40.6| 43.8| 43.4| 42.9| 43.3| 44.4| 44.6 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..........................................| 0.8| 1.2| 1.2| 1.2| 1.0| 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| 0.2| 0.1| 0.1 Earners....................................................| 1.8| 0.9| 0.9| 1.1| 1.4| 1.6| 1.8| 2.0| 2.1| 2.2 Vehicles...................................................| 2.4| 1.6| 1.3| 1.4| 1.6| 2.3| 2.5| 2.6| 2.8| 3.0 Percent distribution: | | | | | | | | | | Male.......................................................| 62| 39| 25| 39| 44| 61| 65| 70| 73| 82 Female.....................................................| 38| 61| 75| 61| 56| 39| 35| 30| 27| 18 Percent homeowner..........................................| 67| 41| 37| 38| 50| 59| 66| 77| 81| 91 With mortgage.............................................| 49| 19| 13| 18| 25| 38| 48| 56| 65| 80 Without mortgage..........................................| 18| 22| 24| 21| 24| 20| 19| 21| 16| 11 Renter.....................................................| 33| 59| 63| 62| 50| 41| 34| 23| 19| 9 Black......................................................| 14| 25| 30| 27| 22| 17| 13| 7| 9| 6 White and other............................................| 86| 75| 70| 73| 78| 83| 87| 93| 91| 94 Elementary (1-8)...........................................| 6| 6| 16| 12| 14| 9| 7| 3| 2| 1 High school (9-12).........................................| 45| 60| 62| 58| 59| 54| 49| 46| 38| 22 College....................................................| 48| 32| 21| 30| 27| 37| 45| 51| 60| 78 Never attended and other...................................| 0| 1| 0| 1| 0| 0| 0| 0| 0| 0 At least one vehicle owned.................................| 91| 65| 64| 78| 83| 94| 97| 98| 97| 96 Average annual expenditures.................................| $40,262| $21,999| $18,632| $22,654| $24,597| $29,078| $34,282| $39,423| $49,226| $70,134 Food.......................................................| 5,459| 3,922| 3,563| 4,246| 4,346| 4,325| 4,760| 5,440| 6,322| 7,838 Food at home..............................................| 3,394| 3,132| 2,877| 3,113| 2,957| 3,061| 2,890| 3,570| 3,643| 4,156 Cereals and bakery products..............................| 518| 476| 421| 450| 461| 453| 452| 543| 529| 675 Cereals and cereal products.............................| 191| 184| 184| 202| 187| 178| 163| 196| 174| 232 Bakery products.........................................| 327| 291| 236| 247| 273| 275| 289| 347| 356| 443 Meats, poultry, fish, and eggs...........................| 897| 971| 928| 1,001| 854| 872| 736| 912| 926| 940 Beef....................................................| 269| 301| 287| 285| 242| 290| 255| 236| 289| 256 Pork....................................................| 182| 184| 217| 186| 183| 196| 153| 169| 185| 181 Other meats.............................................| 125| 150| 131| 131| 118| 108| 103| 132| 126| 139 Poultry.................................................| 179| 185| 173| 192| 171| 151| 133| 226| 173| 208 Fish and seafood........................................| 105| 115| 77| 160| 99| 89| 56| 121| 113| 124 Eggs....................................................| 37| 37| 43| 47| 42| 37| 34| 27| 40| 33 Dairy products...........................................| 357| 301| 267| 315| 300| 317| 324| 377| 392| 443 Fresh milk and cream....................................| 148| 136| 112| 138| 137| 148| 144| 162| 156| 158 Other dairy products....................................| 209| 165| 156| 177| 163| 169| 180| 215| 236| 285 Fruits and vegetables....................................| 547| 483| 445| 447| 498| 456| 473| 559| 582| 729 Fresh fruits............................................| 168| 137| 133| 117| 136| 142| 129| 172| 194| 238 Fresh vegetables........................................| 167| 145| 118| 133| 148| 140| 156| 161| 170| 235 Processed fruits........................................| 120| 102| 114| 103| 123| 93| 108| 124| 121| 156 Processed vegetables....................................| 92| 100| 79| 93| 92| 81| 81| 102| 96| 101 Other food at home.......................................| 1,074| 901| 816| 901| 844| 963| 904| 1,180| 1,213| 1,368 Sugar and other sweets..................................| 139| 101| 118| 93| 106| 130| 100| 175| 141| 194 Fats and oils...........................................| 97| 117| 99| 127| 86| 96| 85| 90| 97| 99 Miscellaneous foods.....................................| 478| 418| 304| 362| 396| 425| 389| 550| 582| 589 Nonalcoholic beverages..................................| 312| 240| 261| 286| 246| 285| 296| 317| 330| 390 Food prepared by consumer unit on out-of-town trips.....| 49| 26| 34| 32| 11| 27| 33| 48| 62| 96 Food away from home.......................................| 2,066| 791| 686| 1,132| 1,388| 1,264| 1,870| 1,870| 2,679| 3,683 Alcoholic beverages........................................| 280| 101| 71| 166| 209| 156| 205| 297| 336| 534 Housing....................................................| 12,322| 7,734| 6,265| 8,034| 8,779| 8,992| 10,620| 11,580| 14,385| 20,913 Shelter...................................................| 6,705| 4,406| 3,264| 4,377| 4,648| 4,802| 5,484| 6,070| 7,795| 11,949 Owned dwellings..........................................| 4,472| 1,697| 878| 1,399| 2,131| 2,436| 3,259| 4,140| 5,843| 9,952 Mortgage interest and charges...........................| 2,767| 694| 321| 749| 912| 1,331| 1,955| 2,511| 3,644| 6,699 Property taxes..........................................| 986| 470| 310| 383| 670| 608| 694| 935| 1,252| 2,004 Maintenance, repairs, insurance, other expenses.........| 720| 534| 247| 266| 549| 497| 609| 694| 947| 1,249 Rented dwellings.........................................| 1,822| 2,535| 2,301| 2,830| 2,339| 2,213| 1,989| 1,589| 1,479| 908 Other lodging............................................| 411| 174| 86| 148| 177| 153| 236| 342| 473| 1,089 Utilities, fuels, and public services.....................| 2,619| 2,119| 1,903| 2,157| 2,256| 2,297| 2,474| 2,647| 2,864| 3,429 Natural gas..............................................| 311| 275| 274| 290| 245| 266| 250| 318| 318| 437 Electricity..............................................| 1,023| 825| 732| 825| 876| 945| 1,017| 1,043| 1,080| 1,307 Fuel oil and other fuels.................................| 107| 102| 91| 79| 98| 93| 127| 125| 112| 111 Telephone services.......................................| 870| 690| 625| 760| 768| 763| 792| 834| 996| 1,132 Water and other public services..........................| 307| 227| 182| 202| 269| 230| 288| 327| 358| 442 Household operations......................................| 787| 275| 151| 394| 438| 556| 671| 914| 912| 1,488 Personal services........................................| 523| 129| 66| 255| 340| 447| 518| 742| 649| 764 Other household expenses.................................| 264| 146| 85| 139| 98| 108| 153| 173| 263| 724 Housekeeping supplies.....................................| 592| 353| 261| 403| 564| 384| 445| 573| 616| 1,057 Laundry and cleaning supplies............................| 146| 86| 147| 147| 114| 125| 132| 155| 138| 197 Other household products.................................| 248| 220| 86| 201| 148| 160| 227| 277| 299| 384 Postage and stationery...................................| 198| 48| 28| 54| 302| 99| 86| 141| 179| 477 Household furnishings and equipment.......................| 1,618| 581| 685| 704| 874| 953| 1,546| 1,376| 2,198| 2,990 Household textiles.......................................| 89| 25| 60| 46| 33| 43| 74| 90| 111| 180 Furniture................................................| 373| 147| 238| 130| 278| 218| 351| 284| 379| 785 Floor coverings..........................................| 131| 15| 16| 36| 29| 101| 120| 130| 370| 86 Major appliances.........................................| 186| 132| 145| 97| 189| 114| 162| 158| 214| 313 Small appliances, miscellaneous housewares...............| 83| 34| 39| 34| 40| 50| 86| 73| 125| 137 Miscellaneous household equipment........................| 756| 229| 186| 362| 306| 428| 752| 640| 999| 1,489 Apparel and services.......................................| 2,189| 1,027| 1,230| 1,227| 1,671| 1,479| 1,614| 1,902| 2,367| 4,179 Men and boys..............................................| 514| 156| 329| 385| 337| 246| 406| 364| 666| 983 Men, 16 and over.........................................| 404| 71| 217| 279| 275| 132| 324| 258| 548| 836 Boys, 2 to 15............................................| 110| 85| 112| 106| 62| 114| 82| 106| 119| 147 Women and girls...........................................| 855| 429| 413| 393| 730| 627| 559| 813| 885| 1,656 Women, 16 and over.......................................| 720| 334| 311| 241| 580| 482| 439| 693| 765| 1,492 Girls, 2 to 15...........................................| 135| 95| 103| 151| 150| 144| 119| 120| 121| 164 Children under 2..........................................| 163| 105| 153| 83| 100| 129| 165| 156| 180| 248 Footwear..................................................| 365| 238| 273| 248| 259| 299| 298| 349| 380| 595 Other apparel products and services.......................| 291| 99| 62| 119| 245| 179| 186| 220| 255| 697 Transportation.............................................| 7,968| 5,207| 3,894| 4,500| 3,782| 6,746| 7,266| 8,290| 10,373| 12,196 Vehicle purchases (net outlay)............................| 3,725| 3,172| 2,167| 2,051| 1,340| 3,598| 3,341| 3,874| 5,044| 5,158 Cars and trucks, new.....................................| 1,691| 923| 493| 693| 280| 1,326| 1,016| 1,544| 2,269| 3,604 Cars and trucks, used....................................| 2,008| 2,239| 1,674| 1,358| 1,060| 2,267| 2,321| 2,328| 2,707| 1,491 Other vehicles...........................................| 25| 10| 0| 0| 0| 5| 5| 2| 68| 64 Gasoline and motor oil....................................| 1,302| 815| 688| 816| 839| 1,069| 1,301| 1,509| 1,624| 1,773 Other vehicle expenses....................................| 2,559| 889| 898| 1,401| 1,415| 1,875| 2,337| 2,651| 3,311| 4,376 Vehicle finance charges..................................| 380| 125| 86| 199| 202| 309| 385| 482| 503| 562 Maintenance and repairs..................................| 796| 334| 391| 514| 458| 675| 698| 874| 1,061| 1,164 Vehicle insurance........................................| 882| 323| 309| 487| 569| 666| 913| 949| 1,087| 1,403 Vehicle rental, leases, licenses, other charges..........| 501| 106| 113| 201| 186| 225| 340| 345| 659| 1,248 Public transportation.....................................| 382| 331| 141| 232| 188| 204| 286| 256| 394| 889 Health care................................................| 1,894| 1,166| 941| 995| 1,390| 1,623| 1,972| 1,983| 2,141| 2,811 Health insurance..........................................| 876| 554| 362| 446| 733| 832| 943| 970| 1,000| 1,170 Medical services..........................................| 606| 356| 342| 228| 346| 429| 667| 536| 672| 1,081 Drugs.....................................................| 304| 236| 197| 263| 259| 299| 276| 327| 329| 375 Medical supplies..........................................| 107| 20| 40| 59| 53| 62| 86| 150| 140| 184 Entertainment..............................................| 1,964| 1,071| 768| 1,026| 1,038| 1,220| 1,560| 2,161| 2,466| 3,615 Fees and admissions.......................................| 454| 115| 106| 156| 151| 176| 309| 388| 633| 1,093 Television, radios, sound equipment.......................| 669| 280| 463| 368| 531| 492| 580| 761| 816| 1,008 Pets, toys, and playground equipment......................| 432| 262| 68| 398| 198| 393| 314| 489| 521| 694 Other entertainment supplies, equipment and services......| 408| 415| 131| 104| 158| 160| 356| 523| 495| 820 Personal care products and services........................| 595| 317| 291| 428| 429| 485| 541| 598| 686| 919 Reading....................................................| 182| 93| 59| 68| 90| 113| 168| 182| 230| 345 Education..................................................| 567| 157| 133| 257| 198| 253| 300| 350| 702| 1,522 Tobacco products and smoking supplies......................| 324| 216| 256| 275| 314| 368| 392| 312| 376| 274 Miscellaneous..............................................| 909| 423| 226| 508| 614| 782| 880| 1,100| 1,087| 1,373 Cash contributions.........................................| 1,085| 208| 543| 138| 445| 499| 651| 858| 1,424| 2,702 Personal insurance and pensions............................| 4,524| 356| 392| 785| 1,294| 2,038| 3,353| 4,372| 6,332| 10,914 Life and other personal insurance.........................| 443| 141| 95| 154| 247| 262| 383| 436| 639| 840 Pensions and Social Security..............................| 4,081| 215| 297| 631| 1,047| 1,776| 2,971| 3,936| 5,693| 10,074 Money income before taxes 1/...............................| 45,048| 1,880| 7,716| 12,357| 17,302| 24,778| 34,476| 44,920| 58,876| 102,547 Wages and salaries........................................| 37,876| 1,334| 2,533| 6,621| 12,128| 19,089| 28,304| 38,837| 51,732| 89,456 Self-employment income....................................| 2,391| -1,694| 207| 148| 457| 829| 1,707| 1,396| 2,920| 7,479 Social Security, private and government retirement........| 2,937| 854| 1,540| 2,493| 3,188| 3,538| 3,227| 3,196| 2,735| 3,252 Interest, dividends, rental income, other property income.| 513| 8| 9| 140| 39| 276| 274| 508| 433| 1,558 Unemployment and workers' compensation, veterans' benefits| 260| 65| 41| 188| 246| 247| 273| 255| 343| 344 Public assistance, supplemental security income, food | | | | | | | | | | stamps.................................................| 556| 1,068| 3,068| 2,084| 717| 281| 290| 42| 40| 48 Regular contributions for support.........................| 382| 165| 165| 509| 459| 418| 333| 523| 532| 214 Other income..............................................| 133| 79| 153| 173| 67| 100| 67| 162| 141| 196 Personal taxes 1/..........................................| 3,647| -106| -177| 1| 253| 1,175| 2,359| 3,306| 4,356| 11,005 Federal income taxes......................................| 2,741| -94| -204| -95| 47| 752| 1,696| 2,470| 3,214| 8,613 State and local income taxes..............................| 757| -6| 2| 53| 108| 304| 532| 705| 943| 2,104 Other taxes...............................................| 149| -6| 25| 43| 98| 119| 131| 131| 199| 288 Income after taxes 1/......................................| 41,401| 1,985| 7,893| 12,356| 17,049| 23,603| 32,117| 41,614| 54,519| 91,541 Net change in total assets and liabilities.................| -2,131| -1,159| -1,880| -870| -2,475| -3,367| 372| -2,426| -4,234| -1,733 Net change in total assets................................| 3,533| 3,351| -1,273| 37| 1,891| 1,597| 5,174| 2,191| 4,794| 7,301 Net change in total liabilities...........................| 5,664| 4,510| 607| 907| 4,365| 4,965| 4,803| 4,617| 9,028| 9,034 Other money receipts.......................................| 469| 31| 69| 105| 126| 91| 239| 370| 317| 1,632 Mortgage principal paid on owned property..................| -1,420| -457| -149| -316| -494| -597| -951| -1,108| -1,605| -3,880 Estimated market value of owned home.......................| 80,119| 42,485| 37,228| 35,151| 37,518| 50,281| 61,014| 75,521| 94,175| 165,567 Estimated monthly rental value of owned home...............| 549| 252| 213| 234| 297| 370| 456| 569| 679| 1,038 Gifts of goods and services................................| 1,243| 411| 363| 543| 766| 517| 760| 915| 1,540| 2,978 Food......................................................| 89| 20| 25| 26| 34| 27| 46| 115| 113| 217 Housing...................................................| 341| 147| 121| 161| 308| 127| 227| 199| 427| 782 Housekeeping supplies....................................| 40| 9| 5| 13| 13| 29| 20| 34| 46| 98 Household textiles.......................................| 7| 1| 2| 6| 5| 3| 10| 6| 4| 12 Appliances and miscellaneous housewares..................| 29| 14| 7| 5| 29| 6| 29| 21| 32| 67 Major appliances........................................| 6| 0| 0| 2| 12| 1| 5| 0| 9| 15 Small appliances and miscellaneous housewares...........| 23| 14| 7| 3| 17| 5| 24| 21| 23| 53 Miscellaneous household equipment........................| 106| 22| 8| 32| 76| 38| 60| 51| 149| 268 Other housing............................................| 159| 101| 99| 105| 186| 50| 108| 86| 195| 336 Apparel and services......................................| 321| 111| 139| 113| 231| 194| 227| 253| 363| 683 Males, 2 and over........................................| 82| 65| 11| 30| 42| 28| 50| 56| 143| 164 Females, 2 and over......................................| 107| 28| 94| 17| 102| 80| 102| 79| 85| 217 Children under 2.........................................| 55| 5| 27| 34| 15| 52| 48| 46| 65| 104 Other apparel products and services......................| 77| 13| 8| 32| 73| 35| 28| 72| 70| 198 Jewelry and watches.....................................| 34| 10| 6| 23| 65| 12| 9| 40| 21| 79 All other apparel products and services.................| 43| 3| 2| 9| 8| 23| 18| 32| 49| 119 Transportation............................................| 56| 26| 7| 61| 21| 11| 21| 22| 159| 82 Health care...............................................| 25| 6| 9| 9| 24| 10| 11| 24| 21| 69 Entertainment.............................................| 121| 86| 30| 34| 50| 40| 82| 100| 151| 288 Toys, games, hobbies, and tricycles......................| 54| 5| 6| 12| 32| 32| 27| 37| 62| 135 Other entertainment......................................| 67| 80| 24| 22| 18| 8| 54| 64| 89| 153 Education.................................................| 169| 2| 11| 31| 34| 3| 42| 83| 180| 632 All other gifts...........................................| 121| 14| 22| 109| 63| 104| 104| 119| 127| 224 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.