Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | 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)......................| 16,050 | 573 | 1,040 | 1,332 | 1,437 | 2,605 | 2,599 | 1,993 | 2,551 | 1,920 Income before taxes(1).............| $39,089 | $1,426 | $7,599 | $12,488 | $17,360 | $24,548 | $34,367 | $44,320 | $57,763 | $98,000 Income after taxes(1)..............| 35,764 | 1,414 | 7,714 | 12,361 | 16,862 | 23,262 | 31,592 | 40,187 | 52,570 | 87,299 Age of reference person............| 29.8 | 29.4 | 29.0 | 29.5 | 29.4 | 29.6 | 29.6 | 29.9 | 30.2 | 30.6 Average number in consumer unit: | | | | | | | | | | Persons...........................| 2.8 | 2.5 | 2.6 | 2.9 | 2.7 | 2.7 | 2.7 | 2.9 | 3.0 | 2.9 Children under 18.................| 1.1 | 1.1 | 1.3 | 1.4 | 1.2 | 1.1 | 1.0 | 1.1 | 1.0 | .8 Persons 65 and over...............| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2)| (2) Earners...........................| 1.5 | 1.0 | .9 | 1.1 | 1.3 | 1.4 | 1.6 | 1.7 | 1.9 | 1.9 Vehicles..........................| 1.8 | 1.1 | 1.0 | 1.1 | 1.5 | 1.6 | 1.8 | 2.1 | 2.2 | 2.2 Percent distribution: | | | | | | | | | | Male..............................| 61 | 47 | 36 | 44 | 49 | 62 | 67 | 66 | 72 | 72 Female............................| 39 | 53 | 64 | 56 | 51 | 38 | 33 | 34 | 28 | 28 Percent homeowner.................| 45 | 24 | 17 | 25 | 29 | 31 | 41 | 57 | 69 | 71 With mortgage....................| 39 | 11 | 11 | 16 | 21 | 25 | 35 | 52 | 66 | 69 Without mortgage.................| 5 | 12 | 6 | 9 | 7 | 5 | 6 | 5 | 4 | 3 Renter............................| 55 | 76 | 83 | 75 | 71 | 69 | 59 | 43 | 31 | 29 Black.............................| 14 | 26 | 22 | 25 | 17 | 15 | 10 | 9 | 10 | 8 White and other...................| 86 | 74 | 78 | 75 | 83 | 85 | 90 | 91 | 90 | 92 Elementary (1-8)..................| 3 | 5 | 9 | 6 | 4 | 3 | 3 | 1 | 1 | 1 High school (9-12)................| 37 | 52 | 51 | 50 | 47 | 42 | 34 | 38 | 27 | 16 College...........................| 60 | 44 | 40 | 44 | 49 | 55 | 62 | 60 | 72 | 84 Never attended and other..........| (3)| (4)| (3)| (3)| (3)| (4)| (4)| (3)| (3)| (4) At least one vehicle owned........| 87 | 55 | 62 | 74 | 87 | 89 | 93 | 95 | 94 | 93 Average annual expenditures........| $35,501 | $19,160 | $17,413 | $19,114 | $23,770 | $27,067 | $33,076 | $39,255 | $47,458 | $63,967 Food..............................| 4,694 | 2,786 | 3,116 | 3,237 | 3,529 | 3,777 | 4,659 | 5,060 | 5,876 | 6,830 Food at home.....................| 2,724 | 2,065 | 2,251 | 2,261 | 2,325 | 2,268 | 2,636 | 2,782 | 3,211 | 3,653 Cereals and bakery products.....| 430 | 344 | 333 | 323 | 344 | 383 | 423 | 442 | 499 | 575 Cereals and cereal products....| 171 | 159 | 136 | 150 | 148 | 143 | 178 | 174 | 193 | 212 Bakery products................| 258 | 184 | 197 | 173 | 196 | 240 | 245 | 267 | 306 | 363 Meats, poultry, fish, and eggs..| 669 | 516 | 668 | 627 | 628 | 597 | 620 | 664 | 744 | 835 Beef...........................| 205 | 146 | 229 | 200 | 164 | 179 | 184 | 203 | 262 | 227 Pork...........................| 139 | 97 | 141 | 141 | 137 | 129 | 131 | 148 | 139 | 167 Other meats....................| 84 | 74 | 81 | 76 | 81 | 72 | 76 | 92 | 87 | 107 Poultry........................| 141 | 128 | 132 | 132 | 140 | 117 | 138 | 133 | 151 | 188 Fish and seafood...............| 72 | (5)45 | 59 | 50 | 76 | 68 | 62 | 63 | 76 | 116 Eggs...........................| 29 | 26 | 26 | 28 | 31 | 32 | 28 | 26 | 27 | 30 Dairy products..................| 311 | 226 | 213 | 274 | 247 | 267 | 309 | 338 | 362 | 404 Fresh milk and cream...........| 130 | 99 | 99 | 122 | 113 | 124 | 134 | 144 | 138 | 140 Other dairy products...........| 181 | 127 | 113 | 152 | 134 | 143 | 175 | 194 | 224 | 264 Fruits and vegetables...........| 438 | 267 | 319 | 367 | 402 | 344 | 414 | 393 | 568 | 617 Fresh fruits...................| 137 | 57 | 87 | 102 | 124 | 98 | 129 | 119 | 207 | 189 Fresh vegetables...............| 121 | 64 | 105 | 118 | 129 | 102 | 106 | 101 | 146 | 172 Processed fruits...............| 102 | 62 | 64 | 64 | 86 | 80 | 108 | 101 | 127 | 151 Processed vegetables...........| 77 | 85 | 63 | 82 | 62 | 64 | 71 | 72 | 88 | 104 Other food at home..............| 876 | 712 | 719 | 670 | 704 | 677 | 871 | 944 | 1,038 | 1,222 Sugar and other sweets.........| 109 | 94 | 86 | 81 | 93 | 82 | 104 | 115 | 141 | 146 Fats and oils..................| 69 | 51 | 69 | 73 | 73 | 60 | 71 | 58 | 71 | 90 Miscellaneous foods............| 424 | 370 | 334 | 304 | 326 | 322 | 418 | 473 | 499 | 613 Nonalcoholic beverages.........| 229 | 169 | 205 | 193 | 175 | 188 | 240 | 249 | 265 | 280 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 45 | 28 | 26 | 20 | 37 | 25 | 38 | 47 | 62 | 93 Food away from home..............| 1,970 | 721 | 866 | 976 | 1,204 | 1,509 | 2,023 | 2,278 | 2,664 | 3,177 Alcoholic beverages...............| 390 | 158 | 102 | 156 | 229 | 331 | 392 | 500 | 428 | 729 Housing...........................| 11,612 | 7,308 | 6,355 | 6,865 | 8,111 | 8,873 | 10,516 | 12,317 | 15,187 | 21,236 Shelter..........................| 6,763 | 4,422 | 3,525 | 4,011 | 4,735 | 5,274 | 6,133 | 7,190 | 8,619 | 12,608 Owned dwellings.................| 3,399 | 853 | 565 | 867 | 1,246 | 1,516 | 2,365 | 3,900 | 6,021 | 9,012 Mortgage interest and charges..| 2,356 | 405 | 337 | 534 | 685 | 1,004 | 1,592 | 2,756 | 4,324 | 6,390 Property taxes.................| 631 | 350 | 118 | 148 | 357 | 295 | 402 | 671 | 1,128 | 1,599 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 411 | 98 | 109 | 185 | 205 | 217 | 371 | 472 | 569 | 1,024 Rented dwellings................| 3,139 | 3,433 | 2,914 | 3,048 | 3,342 | 3,622 | 3,602 | 3,063 | 2,340 | 2,944 Other lodging...................| 225 | (5)136 | 46 | 96 | 147 | 136 | 166 | 227 | 258 | 651 Utilities, fuels, and public | | | | | | | | | | services......................| 2,214 | 1,751 | 1,632 | 1,699 | 1,907 | 1,964 | 2,122 | 2,336 | 2,701 | 2,945 Natural gas.....................| 255 | 168 | 201 | 188 | 167 | 224 | 238 | 321 | 288 | 378 Electricity.....................| 796 | 707 | 573 | 658 | 743 | 739 | 776 | 849 | 937 | 940 Fuel oil and other fuels........| 72 | (5)54 | 54 | 37 | 61 | 66 | 61 | 84 | 100 | 93 Telephone services..............| 873 | 716 | 684 | 685 | 796 | 771 | 851 | 843 | 1,073 | 1,148 Water and other public services.| 218 | 106 | 120 | 131 | 139 | 165 | 196 | 239 | 303 | 386 Household operations.............| 685 | 336 | 195 | 236 | 344 | 413 | 498 | 832 | 1,012 | 1,653 Personal services...............| 518 | (5)263 | 135 | 168 | 264 | 308 | 377 | 696 | 811 | 1,136 Other household expenses........| 167 | 73 | 60 | 67 | 80 | 105 | 122 | 136 | 201 | 517 Housekeeping supplies............| 420 | 227 | 306 | 239 | 260 | 304 | 364 | 436 | 506 | 833 Laundry and cleaning supplies...| 121 | 96 | 131 | 96 | 96 | 99 | 119 | 145 | 139 | 141 Other household products........| 185 | 84 | 106 | 107 | 105 | 118 | 151 | 168 | 240 | 428 Postage and stationery..........| 113 | (5)47 | 70 | 36 | 59 | 86 | 95 | 123 | 126 | 264 Household furnishings and | | | | | | | | | | equipment.....................| 1,531 | 573 | 697 | 680 | 864 | 919 | 1,398 | 1,523 | 2,350 | 3,197 Household textiles..............| 75 | 41 | 32 | 37 | 58 | 43 | 64 | 62 | 131 | 139 Furniture.......................| 458 | 186 | 201 | 189 | 313 | 257 | 470 | 390 | 696 | 985 Floor coverings.................| 59 | (4)| (5)59 | (5)13 | (5)6 | (5)13 | (5)43 | (5)38 | 67 | 241 Major appliances................| 155 | (5)54 | 76 | 61 | 130 | 129 | 172 | 121 | 229 | 257 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 80 | (5)25 | 56 | 35 | 62 | 58 | 76 | 67 | 129 | 126 Miscellaneous household | | | | | | | | | | equipment....................| 705 | 266 | 273 | 344 | 296 | 419 | 574 | 845 | 1,098 | 1,449 Apparel and services..............| 2,010 | 734 | 955 | 959 | 1,400 | 1,466 | 1,744 | 2,028 | 3,048 | 3,476 Men and boys.....................| 473 | 173 | 159 | 186 | 250 | 368 | 417 | 541 | 695 | 861 Men, 16 and over................| 361 | (5)69 | (5)46 | 80 | 152 | 238 | 318 | 418 | 595 | 736 Boys, 2 to 15...................| 111 | 105 | 112 | 106 | 97 | 129 | 99 | 123 | 99 | 125 Women and girls..................| 747 | 165 | 370 | 290 | 376 | 562 | 634 | 697 | 1,423 | 1,097 Women, 16 and over..............| 625 | (5)116 | 299 | 175 | 255 | 473 | 467 | 568 | 1,286 | 977 Girls, 2 to 15..................| 121 | 49 | 71 | 116 | 121 | 89 | 167 | 130 | 138 | 119 Children under 2.................| 162 | (5)49 | (5)116 | 116 | 97 | 127 | 122 | 206 | 224 | 257 Footwear.........................| 338 | (5)230 | 209 | 168 | 353 | 277 | 380 | 374 | 433 | 359 Other apparel products and | | | | | | | | | | services......................| 290 | 117 | 102 | 199 | 325 | 132 | 191 | 210 | 273 | 903 Transportation....................| 7,030 | 4,161 | 3,332 | 3,466 | 5,389 | 5,939 | 6,590 | 8,463 | 9,384 | 11,035 Vehicle purchases (net outlay)...| 3,229 |(5)2,236 | 1,591 | 1,603 | 2,977 | 2,823 | 2,902 | 4,121 | 4,284 | 4,398 Cars and trucks, new............| 1,282 | (5)67 | (4)| (5)573 | (5)521 | 1,249 | 1,172 | 1,612 | 1,975 | 2,329 Cars and trucks, used...........| 1,901 | 2,169 | 1,591 | 1,030 | 2,428 | 1,529 | 1,730 | 2,438 | 2,258 | 1,909 Other vehicles..................| 46 | (4)| (4)| (4)| (5)28 | (5)45 | (4)| (5)71 | (5)51 | (5)160 Gasoline and motor oil...........| 1,134 | 643 | 729 | 701 | 928 | 1,001 | 1,105 | 1,306 | 1,489 | 1,523 Other vehicle expenses...........| 2,319 | 1,107 | 837 | 1,003 | 1,321 | 1,906 | 2,307 | 2,731 | 3,121 | 4,209 Vehicle finance charges.........| 402 | 174 | 80 | 144 | 166 | 316 | 436 | 569 | 593 | 644 Maintenance and repairs.........| 654 | 372 | 273 | 359 | 519 | 642 | 659 | 683 | 735 | 1,105 Vehicle insurance...............| 740 | 336 | 274 | 304 | 461 | 620 | 802 | 914 | 1,016 | 1,154 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 524 | 225 | 211 | 196 | 174 | 329 | 411 | 565 | 778 | 1,304 Public transportation............| 348 | 175 | 175 | 160 | 164 | 208 | 276 | 305 | 490 | 906 Health care.......................| 1,214 | 559 | 559 | 539 | 899 | 984 | 1,360 | 1,451 | 1,613 | 1,785 Health insurance.................| 572 | 229 | 196 | 205 | 322 | 493 | 622 | 769 | 776 | 882 Medical services.................| 396 | 183 | 136 | 183 | 421 | 273 | 491 | 441 | 543 | 527 Drugs............................| 171 | 114 | 190 | 116 | 125 | 169 | 173 | 155 | 175 | 245 Medical supplies.................| 75 | (5)33 | (5)37 | 34 | 32 | 48 | 74 | 85 | 119 | 132 Entertainment.....................| 1,915 | 779 | 790 | 1,132 | 993 | 1,239 | 1,641 | 2,063 | 2,574 | 4,261 Fees and admissions..............| 434 | 178 | 133 | 162 | 218 | 271 | 366 | 489 | 584 | 1,080 Television, radios, sound | | | | | | | | | | equipment.....................| 635 | 352 | 403 | 496 | 472 | 532 | 645 | 668 | 786 | 958 Pets, toys, and playground | | | | | | | | | | equipment.....................| 414 | 179 | 122 | 121 | 186 | 220 | 340 | 438 | 657 | 945 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 432 | 70 | 132 | 354 | 117 | 216 | 289 | 468 | 547 | 1,279 Personal care products and | | | | | | | | | | services.......................| 534 | 253 | 290 | 347 | 365 | 485 | 502 | 570 | 650 | 883 Reading...........................| 139 | 49 | 70 | 72 | 63 | 105 | 138 | 134 | 193 | 286 Education.........................| 453 | 858 | 571 | 525 | 352 | 368 | 501 | 400 | 371 | 505 Tobacco products and smoking | | | | | | | | | | supplies.......................| 261 | 263 | 242 | 283 | 252 | 294 | 280 | 222 | 315 | 162 Miscellaneous.....................| 807 | 762 | 509 | 429 | 513 | 625 | 837 | 921 | 1,146 | 1,083 Cash contributions................| 530 | (5)256 | 101 | 142 | 235 | 420 | 549 | 599 | 660 | 1,214 Personal insurance and pensions...| 3,912 | 236 | 422 | 962 | 1,438 | 2,163 | 3,365 | 4,528 | 6,014 | 10,479 Life and other personal insurance| 253 | 89 | 61 | 102 | 120 | 134 | 199 | 290 | 388 | 624 Pensions and Social Security.....| 3,659 | 147 | 360 | 860 | 1,318 | 2,028 | 3,166 | 4,238 | 5,626 | 9,855 Money income before taxes.........| 39,089 | 1,426 | 7,599 | 12,488 | 17,360 | 24,548 | 34,367 | 44,320 | 57,763 | 98,000 Wages and salaries...............| 36,129 | 1,499 | 4,043 | 8,799 | 14,661 | 22,356 | 31,707 | 42,047 | 55,072 | 92,253 Self-employment income(1)........| 1,301 | -1,294 | (5)84 | 286 | 536 | 835 | 1,373 | 1,436 | 1,423 | 4,249 Social Security, private and | | | | | | | | | | government retireme...........| 227 | (5)54 | 499 | 426 | (5)242 | 214 | 128 | (5)157 | 242 | (5)187 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 136 | (5)59 | 20 | 113 | 42 | 28 | 141 | 92 | 215 | 386 Unemployment and workers.........| 174 | (5)81 | 135 | 133 | 221 | 244 | 165 | 175 | 130 | (5)189 Public assistance, supplemental | | | | | | | | | | security income,..............| 505 | 761 | 2,328 | 2,001 | 845 | 315 | 144 | (5)51 | (5)11 | (5)21 Regular contributions for support| 388 | (5)61 | 211 | 507 | 501 | 347 | 429 | 202 | 469 | 501 Other income.....................| 229 | 204 | 279 | 224 | 313 | 211 | 278 | 160 | 200 | 216 Personal taxes....................| 3,325 | 12 | -115 | 127 | 498 | 1,286 | 2,775 | 4,133 | 5,193 | 10,701 Federal income taxes.............| 2,531 | -63 | -132 | 16 | 288 | 919 | 2,100 | 3,184 | 3,952 | 8,378 State and local income taxes(1)..| 740 | 19 | 13 | 101 | 180 | 341 | 639 | 872 | 1,149 | 2,208 Other taxes......................| 54 | 56 | (5)4 | 11 | 31 | 27 | 36 | 77 | 92 | 116 Income after taxes................| 35,764 | 1,414 | 7,714 | 12,361 | 16,862 | 23,262 | 31,592 | 40,187 | 52,570 | 87,299 Net change in total assets and | | | | | | | | | | liabilities....................| -2,117 | 972 | -2,675 | 1,441 | -3,186 | -1,374 | -2,799 | -2,549 | -5,100 | -82 Net change in total assets(1)....| 8,650 | 475 | -224 | 4,351 | 292 | 3,789 | 3,259 | 7,651 | 15,331 | 31,198 Net change in total liabilities..| 10,768 | -497 | 2,450 | 2,910 | 3,478 | 5,163 | 6,058 | 10,200 | 20,431 | 31,279 Other money receipts..............| 329 | (5)317 | (5)158 | 412 | 87 | 120 | 244 | 194 | 497 | 867 Mortgage principal paid on owned | | | | | | | | | | property.......................| -668 | -251 | -154 | -215 | -358 | -328 | -474 | -861 | -1,099 | -1,568 Estimated market value of owned | | | | | | | | | | home...........................| 45,525 | 15,913 | 15,508 | 11,815 | 14,302 | 21,109 | 31,732 | 51,908 | 77,288 | 120,376 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 361 | 129 | 76 | 119 | 140 | 175 | 266 | 424 | 630 | 879 Gifts of goods and services.......| 820 | 310 | 394 | 360 | 658 | 591 | 738 | 728 | 1,129 | 1,630 Food.............................| 39 | (5)7 | (5)25 | 16 | 19 | 20 | 31 | 47 | 56 | 85 Housing..........................| 250 | 172 | 90 | 156 | 198 | 163 | 243 | 202 | 359 | 475 Housekeeping supplies...........| 37 | (5)7 | (5)11 | (5)7 | (5)18 | 25 | 34 | 29 | 39 | 109 Household textiles..............| 5 | (5)4 | (5)2 | (5)4 | 5 | 4 | 5 | 4 | 8 | 11 Appliances and miscellaneous | | | | | | | | | | housewares...................| 24 | (5)12 | (5)10 | (5)14 | (5)6 | 25 | 23 | 23 | 34 | 41 Major appliances...............| 5 | (5)9 | (5)6 | (5)3 | (5)2 | (5)2 | (5)6 | (5)4 | (5)10 | 5 Small appliances and | | | | | | | | | | miscellaneous housewares....| 19 | (5)3 | (5)5 | (5)11 | (5)4 | 23 | 17 | 18 | 24 | 36 Miscellaneous household | | | | | | | | | | equipment....................| 61 | (5)8 | 20 | 30 | 20 | 31 | 51 | 55 | 101 | 146 Other housing...................| 123 | 141 | 47 | 101 | 149 | 77 | 129 | 91 | 178 | 168 Apparel and services.............| 234 | (5)33 | 69 | 79 | 313 | 193 | 142 | 220 | 319 | 461 Males, 2 and over...............| 56 | (5)7 | (5)7 | (5)10 | 31 | 44 | 59 | 54 | 67 | 130 Females, 2 and over.............| 59 | (5)8 | (5)10 | (5)12 | 86 | 54 | 32 | 40 | 95 | 109 Children under 2................| 45 | (5)15 | (5)35 | (5)31 | (5)20 | 42 | 28 | 59 | 49 | 93 Other apparel products and | | | | | | | | | | services.....................| 75 | (5)3 | (5)18 | (5)26 | (5)176 | (5)54 | (5)23 | (5)68 | 109 | (5)129 Jewelry and watches............| 51 | (4)| (4)| (5)9 | (5)174 | (5)20 | (5)16 | (5)34 | (5)77 | (5)91 All other apparel products and | | | | | | | | | | services....................| 24 | (5)3 | (5)18 | (5)17 | (5)2 | (5)34 | (5)7 | (5)34 | 32 | (5)39 Transportation...................| 33 | 12 | 45 | 7 | 14 | 14 | 20 | 25 | 33 | 119 Health care......................| 8 | (5)10 | (5)1 | (5)1 | (5)2 | (5)5 | (5)10 | (5)16 | (5)10 | (5)12 Entertainment....................| 101 | (5)35 | 59 | (5)35 | 35 | 56 | 132 | 85 | 167 | 161 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 46 | (5)16 | (5)17 | (5)21 | (5)14 | (5)32 | (5)46 | (5)27 | 110 | (5)49 Other entertainment.............| 55 | (5)18 | 42 | 15 | 22 | 24 | 86 | 58 | 57 | 112 Education........................| 37 | (5)23 | (5)25 | (5)24 | (5)16 | (5)5 | (5)11 | (5)48 | (5)23 | (5)159 All other gifts..................| 118 | 17 | 80 | 41 | 61 | 134 | 148 | 84 | 161 | 159 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.05. 3 Value less than 0.5. 4 No data reported. 5 Data are likely to have large sampling errors.