Table 37. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | Complete reporting of income |___________________________________________________________________________________________________ | | | | | | | | | | | 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)......................| 26,005 | 849 | 1,713 | 2,485 | 2,925 | 4,547 | 3,168 | 2,416 | 3,600 | 4,301 Income before taxes(1).............| $42,142 | $1,774 | $7,600 | $12,693 | $17,409 | $24,532 | $34,649 | $44,434 | $58,683 |$106,703 Income after taxes(1)..............| 38,401 | 1,231 | 7,297 | 12,371 | 17,021 | 23,487 | 32,439 | 40,929 | 53,435 | 93,860 Age of reference person............| 53.2 | 48.6 | 55.4 | 60.1 | 60.5 | 56.7 | 52.9 | 49.3 | 47.9 | 47.6 Average number in consumer unit: | | | | | | | | | | Persons...........................| 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 Children under 18.................| .1 | .2 | .3 | .1 | .1 | .1 | .1 | (2)| (2)| (2) Persons 65 and over...............| .5 | .4 | .6 | .9 | 1.0 | .8 | .5 | .4 | .3 | .2 Earners...........................| 1.2 | .9 | .6 | .7 | .7 | 1.0 | 1.3 | 1.5 | 1.7 | 1.8 Vehicles..........................| 2.2 | 1.6 | 1.3 | 1.6 | 1.8 | 2.0 | 2.3 | 2.4 | 2.6 | 2.6 Percent distribution: | | | | | | | | | | Male..............................| 67 | 57 | 43 | 60 | 71 | 65 | 68 | 66 | 72 | 78 Female............................| 33 | 43 | 57 | 40 | 29 | 35 | 32 | 34 | 28 | 22 Percent homeowner.................| 73 | 52 | 54 | 64 | 73 | 72 | 73 | 75 | 81 | 84 With mortgage....................| 36 | 18 | 14 | 17 | 18 | 23 | 32 | 45 | 57 | 64 Without mortgage.................| 37 | 34 | 40 | 47 | 54 | 49 | 41 | 30 | 24 | 20 Renter............................| 27 | 48 | 46 | 36 | 27 | 28 | 27 | 25 | 19 | 16 Black.............................| 9 | 17 | 21 | 14 | 8 | 10 | 7 | 5 | 4 | 5 White and other...................| 91 | 83 | 79 | 86 | 92 | 90 | 93 | 95 | 96 | 95 Elementary (1-8)..................| 8 | 12 | 25 | 18 | 14 | 9 | 5 | 2 | 2 | 1 High school (9-12)................| 39 | 43 | 49 | 54 | 49 | 48 | 39 | 40 | 32 | 18 College...........................| 52 | 43 | 26 | 27 | 37 | 43 | 56 | 58 | 66 | 82 Never attended and other..........| (3)| 1 | 1 | 1 | (4)| (2)| (4)| (2)| (3)| (3) At least one vehicle owned........| 92 | 75 | 75 | 85 | 92 | 93 | 96 | 97 | 98 | 96 Average annual expenditures........| $38,048 | $22,708 | $18,511 | $20,483 | $24,447 | $28,848 | $34,076 | $41,854 | $47,487 | $70,468 Food..............................| 4,918 | 3,512 | 3,247 | 3,377 | 3,891 | 4,261 | 4,875 | 5,396 | 5,516 | 7,249 Food at home.....................| 2,915 | 2,507 | 2,370 | 2,469 | 2,658 | 2,758 | 2,941 | 3,056 | 2,978 | 3,615 Cereals and bakery products.....| 448 | 401 | 363 | 375 | 423 | 416 | 458 | 473 | 451 | 550 Cereals and cereal products....| 152 | 132 | 131 | 145 | 146 | 141 | 163 | 157 | 155 | 169 Bakery products................| 295 | 269 | 233 | 230 | 277 | 275 | 295 | 316 | 296 | 382 Meats, poultry, fish, and eggs..| 729 | 694 | 659 | 680 | 718 | 693 | 721 | 775 | 695 | 842 Beef...........................| 207 | 171 | 180 | 204 | 214 | 201 | 194 | 253 | 206 | 209 Pork...........................| 153 | 125 | 160 | 158 | 168 | 154 | 166 | 143 | 142 | 148 Other meats....................| 95 | 78 | 70 | 95 | 89 | 86 | 92 | 97 | 99 | 117 Poultry........................| 143 | 126 | 131 | 129 | 124 | 129 | 147 | 156 | 140 | 178 Fish and seafood...............| 97 | 160 | 81 | 59 | 89 | 86 | 86 | 97 | 78 | 156 Eggs...........................| 34 | 34 | 36 | 36 | 35 | 36 | 35 | 29 | 29 | 34 Dairy products..................| 311 | 255 | 256 | 262 | 288 | 293 | 319 | 317 | 323 | 380 Fresh milk and cream...........| 121 | 109 | 116 | 122 | 127 | 124 | 124 | 119 | 118 | 119 Other dairy products...........| 190 | 146 | 140 | 140 | 161 | 169 | 195 | 197 | 205 | 261 Fruits and vegetables...........| 516 | 377 | 380 | 450 | 458 | 530 | 505 | 497 | 523 | 669 Fresh fruits...................| 165 | 104 | 97 | 146 | 139 | 172 | 174 | 147 | 173 | 217 Fresh vegetables...............| 157 | 119 | 116 | 138 | 141 | 153 | 145 | 148 | 152 | 226 Processed fruits...............| 110 | 98 | 96 | 92 | 98 | 111 | 104 | 114 | 113 | 133 Processed vegetables...........| 84 | 55 | 72 | 73 | 80 | 94 | 82 | 87 | 85 | 93 Other food at home..............| 912 | 780 | 712 | 703 | 771 | 826 | 939 | 995 | 986 | 1,173 Sugar and other sweets.........| 122 | 91 | 102 | 105 | 101 | 118 | 136 | 125 | 141 | 135 Fats and oils..................| 88 | 79 | 73 | 90 | 92 | 86 | 95 | 83 | 85 | 94 Miscellaneous foods............| 384 | 322 | 266 | 277 | 334 | 346 | 389 | 423 | 427 | 504 Nonalcoholic beverages.........| 253 | 227 | 249 | 201 | 205 | 233 | 252 | 303 | 258 | 309 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 64 | 61 | 21 | 30 | 39 | 43 | 66 | 61 | 75 | 130 Food away from home..............| 2,003 | 1,006 | 877 | 907 | 1,234 | 1,504 | 1,934 | 2,340 | 2,538 | 3,635 Alcoholic beverages...............| 429 | 251 | 220 | 187 | 219 | 269 | 383 | 490 | 530 | 890 Housing...........................| 11,471 | 7,488 | 6,366 | 6,930 | 7,537 | 8,859 | 9,930 | 12,254 | 13,982 | 20,876 Shelter..........................| 6,199 | 4,115 | 3,287 | 3,487 | 3,746 | 4,462 | 5,184 | 6,359 | 7,734 | 12,212 Owned dwellings.................| 4,024 | 2,114 | 1,511 | 1,848 | 2,059 | 2,458 | 3,100 | 4,073 | 5,572 | 9,007 Mortgage interest and charges..| 2,003 | 796 | 435 | 597 | 523 | 847 | 1,263 | 2,134 | 3,157 | 5,412 Property taxes.................| 1,091 | 866 | 501 | 641 | 843 | 844 | 892 | 1,029 | 1,298 | 2,066 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 930 | 452 | 575 | 610 | 693 | 767 | 946 | 910 | 1,117 | 1,529 Rented dwellings................| 1,616 | 1,687 | 1,688 | 1,516 | 1,413 | 1,666 | 1,715 | 1,810 | 1,575 | 1,569 Other lodging...................| 559 | 315 | 88 | 122 | 274 | 338 | 369 | 476 | 587 | 1,637 Utilities, fuels, and public | | | | | | | | | | services......................| 2,460 | 1,939 | 1,832 | 2,011 | 2,234 | 2,315 | 2,350 | 2,534 | 2,718 | 3,201 Natural gas.....................| 304 | 244 | 218 | 228 | 311 | 304 | 278 | 296 | 322 | 396 Electricity.....................| 941 | 791 | 750 | 847 | 898 | 912 | 900 | 958 | 1,030 | 1,110 Fuel oil and other fuels........| 122 | (5)63 | 115 | 124 | 127 | 118 | 131 | 122 | 111 | 137 Telephone services..............| 796 | 630 | 557 | 592 | 616 | 709 | 788 | 850 | 926 | 1,124 Water and other public services.| 296 | 210 | 192 | 220 | 282 | 273 | 251 | 307 | 328 | 434 Household operations.............| 443 | 281 | 233 | 326 | 293 | 317 | 327 | 442 | 432 | 952 Personal services...............| 83 | (5)30 | 98 | 147 | 88 | 101 | 74 | 101 | (5)46 | (5)56 Other household expenses........| 359 | 252 | 135 | 179 | 205 | 215 | 253 | 342 | 387 | 896 Housekeeping supplies............| 557 | 336 | 332 | 377 | 421 | 549 | 514 | 634 | 628 | 804 Laundry and cleaning supplies...| 128 | 108 | 103 | 104 | 100 | 132 | 134 | 157 | 126 | 151 Other household products........| 257 | 128 | 147 | 193 | 206 | 248 | 211 | 303 | 305 | 368 Postage and stationery..........| 171 | 100 | 82 | 79 | 114 | 170 | 170 | 174 | 197 | 285 Household furnishings and | | | | | | | | | | equipment.....................| 1,814 | 817 | 682 | 730 | 843 | 1,215 | 1,555 | 2,286 | 2,470 | 3,707 Household textiles..............| 94 | 69 | 40 | 35 | 59 | 65 | 74 | 91 | 136 | 190 Furniture.......................| 403 | 119 | 151 | 156 | 189 | 203 | 306 | 397 | 673 | 911 Floor coverings.................| 147 | (5)3 | (5)41 | (5)57 | (5)34 | 52 | 217 | 301 | 142 | 296 Major appliances................| 212 | 106 | 142 | 127 | 145 | 167 | 261 | 195 | 260 | 331 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 109 | 30 | 47 | 41 | 72 | 98 | 78 | 70 | 175 | 214 Miscellaneous household | | | | | | | | | | equipment....................| 848 | 490 | 261 | 314 | 344 | 630 | 619 | 1,232 | 1,084 | 1,765 Apparel and services..............| 1,759 | 1,216 | 844 | 739 | 1,046 | 1,390 | 1,486 | 1,726 | 2,325 | 3,363 Men and boys.....................| 400 | 287 | 227 | 124 | 253 | 334 | 333 | 409 | 459 | 801 Men, 16 and over................| 365 | 235 | 182 | 106 | 226 | 295 | 294 | 383 | 429 | 756 Boys, 2 to 15...................| 35 | 52 | 45 | 18 | 26 | 39 | 40 | 26 | 30 | 45 Women and girls..................| 756 | 584 | 294 | 320 | 369 | 608 | 674 | 605 | 1,203 | 1,373 Women, 16 and over..............| 706 | 546 | 266 | 293 | 344 | 568 | 640 | 556 | 1,115 | 1,293 Girls, 2 to 15..................| 50 | 38 | 28 | 27 | 26 | 40 | 34 | 49 | 88 | 80 Children under 2.................| 42 | (5)52 | (5)35 | (5)10 | 31 | 40 | 25 | 101 | 26 | 62 Footwear.........................| 285 | (5)121 | 206 | 179 | 263 | 253 | 209 | 362 | 363 | 396 Other apparel products and | | | | | | | | | | services......................| 277 | 173 | 82 | 106 | 130 | 156 | 243 | 249 | 273 | 731 Transportation....................| 7,227 | 4,131 | 2,950 | 3,607 | 4,765 | 5,650 | 7,427 | 8,465 | 9,585 | 12,154 Vehicle purchases (net outlay)...| 3,203 |(5)1,795 | 1,274 | 1,502 | 2,118 | 2,466 | 3,614 | 4,045 | 4,354 | 5,012 Cars and trucks, new............| 1,578 | (5)304 | (5)520 | (5)285 | 722 | 1,246 | 1,878 | 2,085 | 2,324 | 2,800 Cars and trucks, used...........| 1,554 | 1,490 | 727 | 1,217 | 1,396 | 1,212 | 1,736 | 1,914 | 1,993 | 1,853 Other vehicles..................| 72 | (4)| (5)28 | (4)| (4)| (5)7 | (4)| (5)46 | (5)37 | (5)359 Gasoline and motor oil...........| 1,127 | 778 | 675 | 733 | 848 | 996 | 1,159 | 1,278 | 1,413 | 1,581 Other vehicle expenses...........| 2,379 | 1,262 | 860 | 1,198 | 1,593 | 1,890 | 2,319 | 2,720 | 3,103 | 4,181 Vehicle finance charges.........| 300 | 153 | 85 | 111 | 185 | 220 | 308 | 409 | 421 | 520 Maintenance and repairs.........| 743 | 451 | 287 | 442 | 473 | 686 | 792 | 835 | 901 | 1,177 Vehicle insurance...............| 806 | 392 | 347 | 469 | 612 | 708 | 828 | 897 | 1,078 | 1,207 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 529 | 266 | 141 | 175 | 322 | 276 | 391 | 579 | 703 | 1,277 Public transportation............| 518 | 297 | 141 | 174 | 205 | 299 | 336 | 421 | 715 | 1,380 Health care.......................| 2,320 | 1,370 | 1,801 | 2,255 | 2,704 | 2,568 | 2,225 | 2,362 | 2,231 | 2,344 Health insurance.................| 1,134 | 698 | 802 | 1,175 | 1,370 | 1,286 | 1,099 | 1,086 | 1,123 | 1,068 Medical services.................| 584 | 294 | 467 | 366 | 636 | 564 | 505 | 720 | 590 | 774 Drugs............................| 469 | 324 | 438 | 608 | 571 | 581 | 477 | 418 | 375 | 342 Medical supplies.................| 133 | 53 | 94 | 106 | 126 | 137 | 143 | 138 | 142 | 160 Entertainment.....................| 2,145 | 1,084 | 751 | 818 | 1,041 | 1,406 | 1,643 | 2,667 | 2,710 | 4,782 Fees and admissions..............| 522 | 289 | 119 | 161 | 269 | 268 | 382 | 469 | 702 | 1,363 Television, radios, sound | | | | | | | | | | equipment.....................| 572 | 319 | 319 | 383 | 396 | 486 | 523 | 673 | 707 | 909 Pets, toys, and playground | | | | | | | | | | equipment.....................| 406 | 215 | 183 | 206 | 202 | 280 | 413 | 368 | 521 | 817 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 645 | 260 | 130 | 69 | 174 | 372 | 324 | 1,157 | 779 | 1,693 Personal care products and | | | | | | | | | | services.......................| 593 | 354 | 302 | 361 | 399 | 515 | 657 | 652 | 719 | 899 Reading...........................| 205 | 101 | 95 | 106 | 142 | 169 | 191 | 203 | 254 | 377 Education.........................| 377 | 468 | 248 | 133 | 195 | 222 | 248 | 478 | 609 | 683 Tobacco products and smoking | | | | | | | | | | supplies.......................| 271 | 274 | 258 | 278 | 229 | 273 | 299 | 290 | 292 | 245 Miscellaneous.....................| 991 | 977 | 590 | 398 | 617 | 803 | 869 | 1,255 | 1,265 | 1,656 Cash contributions................| 1,377 | 1,123 | 476 | 628 | 724 | 811 | 1,143 | 1,478 | 1,444 | 3,319 Personal insurance and pensions...| 3,965 | 360 | 364 | 668 | 939 | 1,653 | 2,700 | 4,139 | 6,026 | 11,628 Life and other personal insurance| 431 | 175 | 180 | 248 | 298 | 359 | 336 | 433 | 510 | 858 Pensions and Social Security.....| 3,534 | 185 | 184 | 420 | 642 | 1,294 | 2,364 | 3,706 | 5,516 | 10,771 Money income before taxes.........| 42,142 | 1,774 | 7,600 | 12,693 | 17,409 | 24,532 | 34,649 | 44,434 | 58,683 | 106,703 Wages and salaries...............| 29,900 | 1,303 | 1,851 | 3,824 | 5,921 | 12,333 | 21,926 | 32,734 | 47,055 | 86,578 Self-employment income(1)........| 2,499 | -1,332 | -2 | 156 | 336 | 948 | 1,238 | 2,157 | 2,218 | 10,073 Social Security, private and | | | | | | | | | | government retireme...........| 7,683 | 813 | 3,963 | 7,382 | 10,257 | 9,916 | 9,875 | 7,581 | 6,568 | 5,960 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 1,260 | 89 | 133 | 169 | 265 | 622 | 805 | 1,306 | 2,193 | 3,452 Unemployment and workers.........| 188 | (5)68 | 102 | 148 | 216 | 209 | 223 | 298 | 142 | 180 Public assistance, supplemental | | | | | | | | | | security income,..............| 283 | 652 | 1,418 | 786 | 160 | 155 | 132 | (5)93 | (5)73 | (5)79 Regular contributions for support| 168 | (5)75 | 51 | 140 | 166 | 199 | 305 | 143 | 179 | 121 Other income.....................| 161 | 106 | 85 | 86 | 88 | 149 | 145 | 123 | 255 | 259 Personal taxes....................| 3,741 | 544 | 303 | 322 | 388 | 1,045 | 2,210 | 3,506 | 5,248 | 12,842 Federal income taxes.............| 2,846 | 397 | 163 | 149 | 193 | 736 | 1,596 | 2,695 | 4,081 | 9,964 State and local income taxes(1)..| 735 | 67 | 67 | 89 | 85 | 170 | 426 | 649 | 964 | 2,628 Other taxes......................| 160 | 80 | 73 | 84 | 110 | 139 | 188 | 162 | 203 | 250 Income after taxes................| 38,401 | 1,231 | 7,297 | 12,371 | 17,021 | 23,487 | 32,439 | 40,929 | 53,435 | 93,860 Net change in total assets and | | | | | | | | | | liabilities....................| -836 | 2,317 | 879 | -36 | 465 | -491 | -3,832 | -703 | 89 | -2,497 Net change in total assets(1)....| 5,926 | 3,630 | 2,078 | 694 | 1,774 | 1,826 | 1,210 | 4,471 | 12,501 | 16,877 Net change in total liabilities..| 6,762 | 1,313 | 1,199 | 730 | 1,309 | 2,318 | 5,042 | 5,174 | 12,412 | 19,374 Other money receipts..............| 585 | (5)10 | 223 | 227 | 303 | 384 | 452 | 594 | 721 | 1,435 Mortgage principal paid on owned | | | | | | | | | | property.......................| -976 | -695 | -418 | -339 | -342 | -491 | -641 | -1,077 | -1,327 | -2,460 Estimated market value of owned | | | | | | | | | | home...........................| 87,862 | 52,467 | 43,163 | 50,567 | 65,672 | 74,771 | 76,558 | 83,771 | 99,295 | 164,180 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 604 | 359 | 302 | 393 | 484 | 509 | 542 | 594 | 693 | 1,056 Gifts of goods and services.......| 1,362 | 1,106 | 732 | 429 | 816 | 931 | 1,076 | 1,340 | 2,019 | 2,665 Food.............................| 76 | (5)40 | 38 | 16 | 62 | 60 | 62 | 86 | 126 | 118 Housing..........................| 330 | 294 | 143 | 147 | 199 | 193 | 242 | 343 | 441 | 707 Housekeeping supplies...........| 54 | (5)34 | 34 | 20 | 45 | 44 | 46 | 63 | 58 | 100 Household textiles..............| 11 | (5)10 | (5)3 | 4 | 5 | 6 | 7 | 17 | 17 | 23 Appliances and miscellaneous | | | | | | | | | | housewares...................| 39 | (5)9 | (5)15 | (5)6 | 22 | 29 | 35 | 28 | 46 | 96 Major appliances...............| 9 | (4)| (4)| (5)2 | 15 | 4 | 18 | 12 | 11 | 13 Small appliances and | | | | | | | | | | miscellaneous housewares....| 29 | (5)9 | (5)15 | (5)5 | 8 | 25 | 17 | 16 | 35 | 83 Miscellaneous household | | | | | | | | | | equipment....................| 98 | 102 | 48 | 26 | 33 | 55 | 70 | 102 | 154 | 217 Other housing...................| 128 | 139 | 44 | 91 | 93 | 60 | 85 | 133 | 167 | 271 Apparel and services.............| 340 | 324 | 119 | 129 | 254 | 268 | 304 | 386 | 464 | 569 Males, 2 and over...............| 93 | 161 | 35 | 28 | 87 | 94 | 69 | 88 | 103 | 158 Females, 2 and over.............| 123 | (5)60 | 44 | 53 | 81 | 77 | 125 | 120 | 183 | 224 Children under 2................| 37 | (5)21 | (5)16 | (5)9 | 31 | 27 | 24 | 94 | 26 | 62 Other apparel products and | | | | | | | | | | services.....................| 88 | (5)82 | (5)25 | (5)39 | (5)55 | 70 | 86 | (5)83 | 153 | 124 Jewelry and watches............| 39 | (5)4 | (5)11 | (5)5 | (5)16 | (5)24 | (5)70 | (5)33 | (5)63 | (5)61 All other apparel products and | | | | | | | | | | services....................| 49 | (5)79 | (5)14 | (5)34 | (5)39 | 46 | (5)16 | (5)50 | 90 | 63 Transportation...................| 85 | 79 | 21 | 17 | 24 | 124 | 42 | 59 | 161 | 131 Health care......................| 41 | (5)10 | (5)150 | (5)8 | (5)24 | 25 | (5)9 | 35 | 34 | 82 Entertainment....................| 142 | 148 | 46 | 41 | 91 | 109 | 107 | 160 | 216 | 257 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 58 | (5)26 | (5)27 | (5)23 | (5)43 | 63 | 47 | 73 | 104 | 58 Other entertainment.............| 84 | 121 | 19 | 18 | 47 | 46 | 59 | 87 | 111 | 199 Education........................| 157 | (5)98 | (5)142 | (5)4 | (5)41 | 27 | 71 | 112 | 339 | 413 All other gifts..................| 193 | 113 | 72 | 66 | 122 | 125 | 239 | 159 | 237 | 389 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 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.