Table 34. Western region by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 19,746 968 1,809 1,778 1,778 2,828 2,402 1,809 2,727 3,647 Income before taxes a/ ...................... $44,199 $1,752 $7,815 $12,516 $17,431 $24,759 $34,632 $44,383 $58,460 $112,623 Income after taxes a/ ....................... 39,881 1,746 7,578 12,264 16,770 23,460 31,813 40,271 52,991 98,802 Age of the reference person.................. 46.4 37.2 50.6 51.8 48.5 47.5 46.2 44.6 43.9 45.2 Average number in consumer unit: Persons..................................... 2.6 1.9 1.9 2.2 2.5 2.6 2.6 2.8 3.1 3.0 Children under 18........................... .7 .5 .5 .7 .8 .7 .7 .8 .9 .8 Persons 65 and over......................... .3 .1 .4 .5 .4 .4 .3 .2 .2 .1 Earners..................................... 1.4 .9 .6 .7 1.0 1.2 1.4 1.7 1.9 2.1 Vehicles.................................... 2.1 1.1 1.0 1.3 1.6 1.9 2.2 2.3 2.7 3.1 Percent distribution: Male........................................ 59 42 35 43 53 59 61 64 70 72 Female...................................... 41 58 65 57 47 41 39 36 30 28 Homeowner................................... 58 23 35 42 49 48 58 62 75 85 With mortgage.............................. 39 9 10 13 17 22 39 49 63 74 Without mortgage........................... 20 15 25 29 32 25 19 13 12 11 Renter...................................... 42 77 65 58 51 52 42 38 25 15 Black....................................... 5 4 10 6 5 4 6 4 4 3 White and other............................. 95 96 90 94 95 96 94 96 96 97 Elementary (1-8)............................ 7 6 16 16 15 9 6 2 1 1 High school (9-12).......................... 32 41 40 39 41 38 35 30 29 14 College..................................... 61 52 42 44 43 53 59 67 70 85 Never attended and other.................... 1 1 3 b/ 2 b/ b/ b/ b/ c/ At least one vehicle owned or leased........ 89 56 60 76 89 92 96 97 98 99 Average annual expenditures.................. $39,928 $16,526 $15,948 $20,026 $23,483 $28,765 $34,448 $42,013 $50,241 $79,303 Food........................................ 5,292 2,792 2,508 3,107 3,806 4,218 4,914 5,908 6,564 8,937 Food at home............................. 3,139 1,635 1,744 2,366 2,656 2,771 3,034 3,471 3,665 4,620 Cereals and bakery products............ 468 232 259 360 387 383 440 518 568 709 Cereals and cereal products.......... 171 112 86 122 150 147 159 188 220 242 Bakery products...................... 297 120 172 238 237 236 281 330 348 466 Meats, poultry, fish, and eggs......... 767 366 420 634 703 745 709 846 897 1,050 Beef................................. 228 119 109 179 198 236 222 254 284 295 Pork................................. 143 59 87 125 134 149 144 154 173 172 Other meats.......................... 89 39 59 65 97 83 85 112 89 121 Poultry.............................. 149 65 80 140 127 127 128 155 172 233 Fish and seafood..................... 117 59 58 85 104 108 88 131 138 183 Eggs................................. 40 25 27 40 43 43 42 40 42 45 Dairy products......................... 349 222 192 268 300 302 336 385 393 519 Fresh milk and cream................. 140 92 82 124 122 127 140 170 163 176 Other dairy products................. 209 129 110 143 178 176 196 214 229 343 Fruits and vegetables.................. 544 349 291 404 482 490 536 581 612 800 Fresh fruits......................... 175 147 83 123 151 158 175 172 212 258 Fresh vegetables..................... 175 97 98 131 171 167 178 184 180 252 Processed fruits..................... 115 73 62 85 95 91 105 139 136 173 Processed vegetables................. 79 31 47 64 64 75 78 86 85 117 Other food at home..................... 1,012 466 583 700 784 851 1,014 1,142 1,195 1,542 Sugar and other sweets............... 123 45 75 92 89 107 127 122 155 184 Fats and oils........................ 84 41 57 68 83 75 89 88 99 109 Miscellaneous foods.................. 480 241 267 321 352 388 487 586 561 739 Nonalcoholic beverages............... 256 96 158 186 210 230 248 296 296 376 Food prepared by consumer unit on out-of-town trips................... 68 43 27 32 51 51 62 51 84 135 Food away from home...................... 2,152 1,157 763 741 1,150 1,447 1,880 2,436 2,899 4,317 Alcoholic beverages......................... 397 348 111 127 230 307 376 432 521 748 Housing..................................... 13,294 6,179 6,108 8,259 8,460 9,892 11,773 13,250 15,656 25,469 Shelter.................................. 8,125 3,740 3,650 5,340 5,062 6,005 7,155 8,328 9,353 15,625 Owned dwellings........................ 4,882 1,189 1,182 2,000 1,859 2,259 3,675 4,551 6,690 12,220 Mortgage interest and charges........ 3,170 619 493 740 794 1,148 2,285 3,203 4,746 8,476 Property taxes....................... 862 270 288 442 508 485 626 681 1,012 2,105 Maintenance, repairs, insurance,other expenses............................ 850 300 401 818 557 625 764 667 932 1,640 Rented dwellings....................... 2,727 2,265 2,371 3,151 2,974 3,441 3,252 3,406 2,228 1,834 Other lodging.......................... 516 286 98 189 229 304 228 370 435 1,571 Utilities, fuels, and public services.... 2,184 1,189 1,310 1,467 1,779 1,934 2,148 2,232 2,607 3,305 Natural gas............................ 248 115 162 152 189 222 232 277 274 400 Electricity............................ 735 406 479 536 636 657 740 772 840 1,053 Fuel oil and other fuels............... 43 d/ 41 24 30 50 45 68 22 54 40 Telephone services..................... 818 484 485 553 659 753 807 792 1,005 1,208 Water and other public services........ 340 144 160 195 246 257 300 370 434 603 Household operations..................... 668 191 330 272 331 428 430 451 603 1,817 Personal services...................... 294 d/ 56 159 46 128 243 232 200 317 733 Other household expenses............... 374 135 171 226 203 184 197 251 286 1,084 Housekeeping supplies.................... 543 286 227 405 391 408 492 558 698 930 Laundry and cleaning supplies.......... 134 57 58 98 114 115 121 175 162 198 Other household products............... 247 113 101 188 149 185 229 222 338 441 Postage and stationery................. 162 116 69 118 127 108 142 161 198 291 Household furnishings and equipment...... 1,774 773 590 776 897 1,118 1,549 1,681 2,394 3,792 Household textiles..................... 139 52 58 33 72 103 108 95 232 287 Furniture.............................. 423 69 79 98 151 236 358 326 372 1,253 Floor coverings........................ 67 d/ 22 d/ 28 d/ 5 d/ 32 34 d/ 37 d/ 44 108 174 Major appliances....................... 168 81 96 166 123 99 180 169 234 244 Small appliances, miscellaneous housewares............................ 111 333 40 67 60 56 94 93 155 181 Miscellaneous household equipment...... 866 218 289 407 460 590 773 954 1,293 1,654 Apparel and services....................... 1,780 1,191 583 798 1,083 1,332 1,538 2,274 2,375 3,170 Men and boys............................. 436 116 95 152 223 308 348 544 620 897 Men, 16 and over....................... 356 d/ 76 71 122 168 220 267 458 511 771 Boys, 2 to 15.......................... 81 40 24 30 55 89 82 85 108 126 Women and girls.......................... 645 802 235 294 326 493 528 891 865 1,054 Women, 16 and over..................... 536 739 213 257 241 411 399 736 766 851 Girls, 2 to 15......................... 109 63 22 37 84 82 129 155 99 202 Children under 2......................... 99 d/ 39 d/ 26 d/ 46 87 82 138 93 136 147 Footwear................................. 297 d/ 85 116 164 297 286 297 464 278 439 Other apparel products and services...... 303 148 110 141 150 161 227 282 475 634 Transportation............................. 7,164 2,785 2,683 3,405 3,914 5,622 6,353 8,101 9,329 13,619 Vehicle purchases (net outlay)........... 2,859 d/ 967 1,163 1,392 1,359 2,382 2,485 3,579 3,492 5,432 Cars and trucks, new................... 1,217 c/ d/ 52 d/ 685 d/ 206 893 1,002 1,542 1,296 3,040 Cars and trucks, used.................. 1,552 967 1,110 707 1,112 1,467 1,412 1,975 2,071 2,110 Other vehicles......................... 90 c/ c/ c/ d/ 41 d/ 22 d/ 71 d/ 62 125 d/ 281 Gasoline and motor oil................... 1,133 611 553 643 842 974 1,085 1,243 1,556 1,725 Other vehicle expenses................... 2,644 978 719 1,188 1,463 1,855 2,404 2,902 3,688 5,196 Vehicle finance charges................ 305 121 48 71 161 212 315 362 526 537 Maintenance and repairs................ 808 281 284 494 493 622 756 908 1,081 1,443 Vehicle insurance...................... 839 311 274 453 590 716 881 929 1,137 1,369 Vehicle rental, leases, licenses, other charges......................... 693 266 113 170 220 304 451 703 943 1,847 Public transportation.................... 528 229 247 181 249 411 380 377 593 1,266 Health care................................ 1,834 628 1,113 1,298 1,739 1,673 1,836 1,823 2,011 2,809 Health insurance......................... 813 295 506 656 694 784 828 842 930 1,150 Medical services......................... 617 165 327 304 672 465 579 545 688 1,134 Drugs.................................... 300 126 225 265 296 350 325 334 262 354 Medical supplies......................... 103 41 56 74 76 73 104 102 131 171 Entertainment.............................. 2,096 781 700 749 1,062 1,200 1,383 2,150 2,904 4,832 Fees and admissions...................... 564 304 145 159 247 330 400 506 689 1,420 Television, radios, sound equipment...... 607 286 324 321 380 483 496 618 911 1,015 Pets, toys, and playground equipment..... 358 109 146 154 244 230 301 394 525 679 Other entertainment supplies, equipment,and services.................. 567 81 85 114 191 157 186 632 778 1,719 Personal care products and services........ 469 258 220 282 269 345 425 419 574 918 Reading.................................... 185 92 77 109 101 144 157 166 245 354 Education.................................. 599 653 511 224 466 348 317 515 785 1,158 Tobacco products and smoking supplies...... 212 184 173 165 223 185 261 272 247 189 Miscellaneous.............................. 1,040 280 559 565 429 724 921 1,326 1,500 1,842 Cash contributions......................... 1,266 100 286 361 654 932 1,042 941 1,397 3,269 Personal insurance and pensions............ 4,303 255 316 576 1,049 1,842 3,154 4,436 6,136 11,989 Life and other personal insurance........ 325 77 69 104 147 211 253 304 434 775 Pensions and Social Security............. 3,979 178 246 472 901 1,631 2,900 4,132 5,702 11,213 Sources of income and personal taxes: a/ Money income before taxes................. 44,199 1,752 7,815 12,516 17,431 24,759 34,632 44,383 58,460 112,623 Wages and salaries....................... 34,245 1,663 2,448 5,298 9,077 16,111 24,627 36,334 48,727 93,577 Self-employment income................... 3,102 -1,125 169 315 882 1,264 2,045 2,530 3,854 9,961 Social Security, private and government retirement................... 4,164 383 3,152 5,071 5,305 5,618 5,320 3,835 3,533 3,416 Interest, dividends, rental income, other property income................... 1,325 44 117 209 539 614 1,130 727 1,099 4,335 Unemployment and workers'' compensation, veterans'' benefits..................... 257 d/ 116 80 120 357 182 214 321 346 387 Public assistance, supplemental security, income, food stamps..................... 436 349 1,428 962 658 339 320 151 217 d/ 58 Regular contributions for support........ 318 143 181 282 308 352 638 309 359 190 Other income............................. 353 179 241 260 304 279 338 176 325 698 Personal taxes............................. 4,318 6 238 253 661 1,299 2,819 4,112 5,469 13,821 Federal income taxes..................... 3,352 -7 184 128 395 952 2,134 3,151 4,317 10,866 State and local income taxes............. 840 4 29 73 131 288 597 831 977 2,673 Other taxes.............................. 127 d/ 9 25 52 136 58 88 130 175 282 Income after taxes.......................... 39,881 1,746 7,578 12,264 16,770 23,460 31,813 40,271 52,991 98,802 Net change in total assets and liabilities.. -2,226 -138 -632 -985 1,763 -1,247 -1,081 2,792 -9,096 -4,983 Net change in total assets............... 8,415 1,563 -307 1,311 4,314 2,870 7,080 7,653 3,992 28,887 Net change in total liabilities.......... 10,641 1,702 325 2,295 2,551 4,117 8,162 4,861 13,089 33,869 Other financial information: Other money receipts..................... 618 363 165 231 481 301 412 812 601 1,465 Mortgage principal paid on owned property................................ -1,201 -155 -236 -263 -394 -366 -845 -1,100 -1,757 -3,325 Estimated market value of owned home..... 101,667 44,365 41,102 53,599 62,427 67,393 83,156 88,826 117,013 223,137 Estimated monthly rental value of owned home.............................. 639 209 271 342 405 421 533 605 789 1,336 Gifts of goods and services................. 1,154 633 404 427 703 848 1,002 1,114 1,392 2,427 Food..................................... 92 d/ 41 9 32 57 31 55 86 128 245 Housing.................................. 311 216 122 145 164 180 272 375 328 664 Housekeeping supplies.................. 43 d/ 28 20 31 43 20 36 70 57 64 Household textiles..................... 14 d/ 11 d/ 3 d/ 1 d/ 4 11 21 d/ 4 20 31 Appliances and miscellaneous housewares............................ 28 d/ 19 d/ 10 d/ 16 d/ 13 19 29 25 35 56 Major appliances..................... 8 c/ b/ d/ 2 d/ 8 d/ 6 d/ 9 d/ 3 d/ 7 20 Small appliances and miscellaneous housewares.......................... 20 d/ 19 d/ 10 d/ 14 d/ 5 13 20 22 28 36 Miscellaneous household equipment...... 79 33 25 29 33 52 55 95 121 159 Other housing.......................... 147 125 64 68 71 78 130 181 96 354 Apparel and services..................... 219 177 47 78 107 174 262 261 330 342 Males, 2 and over...................... 57 76 d/ 14 32 20 55 55 26 83 107 Females, 2 and over.................... 75 d/ 44 17 22 47 49 68 136 113 114 Children under 2....................... 37 d/ 29 d/ 8 d/ 7 d/ 19 29 83 25 57 48 Other apparel products and services.... 49 d/ 28 d/ 9 d/ 17 22 41 56 74 76 73 Jewelry and watches.................. 27 d/ 23 d/ 4 d/ 10 d/ 6 10 41 35 58 36 All other apparel products and services............................ 22 d/ 5 d/ 5 d/ 6 d/ 16 d/ 32 d/ 15 d/ 39 d/ 18 38 Transportation........................... 84 51 30 52 22 141 66 68 92 133 Health care.............................. 61 d/ 2 d/ 75 d/ 12 d/ 223 d/ 17 51 d/ 27 25 102 Entertainment............................ 86 38 27 42 34 65 79 94 88 191 Toys, games, hobbies, and tricycles.... 28 d/ 13 10 13 13 20 29 36 31 55 Other entertainment.................... 58 24 17 29 20 46 50 58 57 135 Education................................ 148 d/ 45 d/ 56 d/ 9 d/ 45 d/ 42 d/ 43 78 233 461 All other gifts.......................... 153 63 38 56 51 198 173 124 167 290 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.5. c/ No data reported. d/ Data are likely to have large sampling errors.