Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ________________________________________________________________________________________ Number of consumer units (in thousands)...... 12,114 784 663 745 1,331 1,408 1,326 2,563 3,294 Income before taxes a/ ...................... $55,875 $5,783 $12,579 $17,478 $25,045 $35,117 $44,639 $58,711 $108,825 Income after taxes a/ ....................... 51,797 5,875 13,102 17,231 24,435 33,318 41,635 54,618 99,167 Age of the reference person.................. 40.4 38.0 38.4 37.0 39.1 38.8 39.8 41.0 43.1 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.7 2.1 2.0 1.9 1.7 1.6 1.7 1.6 1.5 Persons 65 and over......................... .1 b/ .1 b/ .1 b/ .1 .1 c/ .1 .1 .1 Earners..................................... 2.0 1.1 1.3 1.5 1.9 2.0 2.1 2.2 2.4 Vehicles.................................... 2.6 1.4 1.4 1.8 2.2 2.6 2.7 3.0 3.1 Percent distribution: Male........................................ 67 34 38 54 65 71 75 75 75 Female...................................... 33 66 62 46 35 29 25 25 25 Homeowner................................... 75 39 42 46 56 69 81 89 94 With mortgage.............................. 61 17 28 33 34 56 66 76 84 Without mortgage........................... 14 22 14 12 23 13 15 13 10 Renter...................................... 25 61 58 54 44 31 19 11 6 Black....................................... 12 29 30 20 16 9 4 9 7 White and other............................. 88 71 70 80 84 91 96 91 93 Elementary (1-8)............................ 5 14 15 14 10 7 2 2 1 High school (9-12).......................... 39 61 56 57 54 53 44 31 19 College..................................... 55 25 28 28 36 40 55 66 80 Never attended and other.................... d/ d/ e/ 2 d/ e/ e/ d/ e/ At least one vehicle owned or leased........ 94 65 74 88 94 95 98 99 99 Average annual expenditures.................. $48,062 $23,759 $23,680 $25,671 $30,231 $38,683 $40,656 $51,455 $75,824 Food........................................ 6,808 4,204 4,508 4,603 4,852 6,430 6,307 7,573 9,116 Food at home............................. 4,180 2,979 3,431 3,476 3,439 4,219 3,915 4,462 5,022 Cereals and bakery products............ 667 431 514 502 524 676 612 724 840 Cereals and cereal products.......... 245 194 225 202 211 263 226 249 287 Bakery products...................... 422 237 289 300 313 413 386 474 552 Meats, poultry, fish, and eggs......... 1,044 825 982 1,087 995 1,140 916 1,086 1,113 Beef................................. 318 246 274 311 311 396 275 340 319 Pork................................. 215 215 312 230 197 210 209 209 211 Other meats.......................... 133 101 100 112 128 135 140 139 144 Poultry.............................. 214 146 164 244 198 226 176 239 235 Fish and seafood..................... 121 70 84 145 119 118 75 117 164 Eggs................................. 44 48 48 45 43 55 41 42 41 Dairy products......................... 474 318 361 330 353 485 483 519 581 Fresh milk and cream................. 198 164 179 155 167 219 208 204 214 Other dairy products................. 277 155 182 176 185 266 274 314 366 Fruits and vegetables.................. 665 446 542 499 565 606 598 687 868 Fresh fruits......................... 205 113 176 132 181 196 189 206 269 Fresh vegetables..................... 193 141 166 155 176 179 150 186 261 Processed fruits..................... 147 104 104 114 101 118 138 159 204 Processed vegetables................. 120 88 96 98 107 113 120 135 133 Other food at home..................... 1,330 959 1,032 1,058 1,001 1,312 1,307 1,447 1,621 Sugar and other sweets............... 166 112 122 115 129 158 163 188 206 Fats and oils........................ 109 97 105 127 95 119 98 111 117 Miscellaneous foods.................. 628 442 452 501 443 603 657 690 772 Nonalcoholic beverages............... 354 288 336 295 305 390 323 376 395 Food prepared by consumer unit on out-of-town trips................... 72 b/ 19 b/ 17 b/ 20 29 43 66 82 131 Food away from home...................... 2,628 1,224 1,077 1,127 1,413 2,211 2,392 3,111 4,094 Alcoholic beverages......................... 292 72 74 169 196 212 228 311 510 Housing..................................... 14,941 9,500 8,147 9,511 9,831 11,171 12,054 14,918 23,783 Shelter.................................. 8,193 4,751 4,496 5,338 5,305 6,060 6,437 7,763 13,519 Owned dwellings........................ 6,131 1,787 1,748 2,441 2,548 3,882 4,725 6,478 11,585 Mortgage interest and charges........ 3,933 997 1,067 1,330 1,338 2,617 3,256 4,214 7,463 Property taxes....................... 1,272 460 411 597 636 728 916 1,283 2,415 Maintenance, repairs, insurance,other expenses............................ 926 331 270 513 574 537 553 981 1,708 Rented dwellings....................... 1,544 2,794 2,694 2,754 2,652 2,020 1,470 887 633 Other lodging.......................... 517 b/ 170 b/ 55 144 106 158 242 399 1,300 Utilities, fuels, and public services.... 3,027 2,245 2,307 2,329 2,552 2,786 2,857 3,117 3,807 Natural gas............................ 365 347 250 249 299 303 339 365 481 Electricity............................ 1,154 863 930 964 994 1,135 1,132 1,205 1,352 Fuel oil and other fuels............... 127 b/ 54 b/ 46 b/ 84 93 118 133 137 179 Telephone services..................... 994 769 849 769 865 903 874 1,005 1,259 Water and other public services........ 386 213 231 262 300 328 379 405 535 Household operations..................... 1,028 355 228 440 334 473 632 1,065 2,129 Personal services...................... 683 193 144 379 235 318 503 766 1,323 Other household expenses............... 344 162 84 61 100 154 129 298 807 Housekeeping supplies.................... 676 352 291 413 389 535 634 807 1,008 Laundry and cleaning supplies.......... 179 118 105 176 135 173 189 214 200 Other household products............... 325 104 125 154 181 232 285 402 525 Postage and stationery................. 172 129 61 82 73 130 159 191 282 Household furnishings and equipment...... 2,018 1,797 825 990 1,250 1,317 1,495 2,166 3,320 Household textiles..................... 186 180 149 89 78 93 105 212 331 Furniture.............................. 517 112 201 351 369 336 398 392 996 Floor coverings........................ 103 b/ 698 b/ 16 b/ 8 b/ 25 b/ 47 b/ 101 50 117 Major appliances....................... 215 200 90 206 175 188 150 227 289 Small appliances, miscellaneous housewares............................ 129 353 46 56 82 81 67 185 150 Miscellaneous household equipment...... 869 255 323 281 521 572 674 1,101 1,437 Apparel and services....................... 2,488 1,046 1,345 1,527 1,769 2,045 1,890 2,872 3,779 Men and boys............................. 615 156 265 323 417 518 484 787 915 Men, 16 and over....................... 419 b/ 56 b/ 122 b/ 198 262 382 286 551 664 Boys, 2 to 15.......................... 195 100 142 125 155 136 198 236 251 Women and girls.......................... 946 514 382 508 591 688 674 1,127 1,536 Women, 16 and over..................... 662 301 258 284 395 501 418 791 1,139 Girls, 2 to 15......................... 283 213 124 224 196 187 256 336 397 Children under 2......................... 158 b/ 33 251 159 185 173 142 153 159 Footwear................................. 456 b/ 174 331 370 413 451 331 542 584 Other apparel products and services...... 314 169 116 168 163 215 258 263 586 Transportation............................. 9,265 5,025 4,866 4,790 6,473 8,954 7,192 10,254 13,523 Vehicle purchases (net outlay)........... 4,247 2,832 2,617 1,941 3,306 4,632 2,823 4,781 5,806 Cars and trucks, new................... 1,877 b/ 500 b/ 890 b/ 484 b/ 917 1,115 b/ 850 2,715 3,194 Cars and trucks, used.................. 2,319 2,332 1,727 1,438 2,230 3,481 1,927 2,061 2,530 Other vehicles......................... 51 e/ e/ b/ 19 b/ 159 b/ 36 b/ 46 b/ 5 b/ 82 Gasoline and motor oil................... 1,455 815 796 1,006 1,132 1,340 1,518 1,646 1,847 Other vehicle expenses................... 3,156 1,220 1,287 1,579 1,859 2,721 2,645 3,561 4,975 Vehicle finance charges................ 462 170 141 278 258 461 535 608 578 Maintenance and repairs................ 956 428 440 441 651 975 655 1,023 1,510 Vehicle insurance...................... 1,029 415 465 654 714 939 1,007 1,092 1,498 Vehicle rental, leases, licenses, other charges......................... 708 208 242 206 236 347 447 838 1,388 Public transportation.................... 407 158 165 264 176 261 206 266 896 Health care................................ 2,028 914 731 1,072 1,549 1,632 2,396 2,341 2,738 Health insurance......................... 945 441 347 473 718 844 1,135 1,103 1,227 Medical services......................... 679 243 151 358 472 461 773 779 1,022 Drugs.................................... 280 177 193 218 290 232 367 321 278 Medical supplies......................... 125 54 41 b/ 23 69 95 121 139 212 Entertainment.............................. 2,549 1,016 1,645 1,010 1,192 1,798 2,328 2,654 4,370 Fees and admissions...................... 633 139 96 188 200 362 429 640 1,340 Television, radios, sound equipment...... 776 497 730 438 597 803 732 848 960 Pets, toys, and playground equipment..... 519 224 207 220 249 402 470 512 911 Other entertainment supplies, equipment,and services.................. 621 156 612 163 145 230 698 653 1,159 Personal care products and services........ 507 234 329 224 334 421 429 631 737 Reading.................................... 188 52 52 52 80 133 148 200 354 Education.................................. 820 158 83 161 302 567 693 821 1,650 Tobacco products and smoking supplies...... 331 309 381 443 408 438 308 340 227 Miscellaneous.............................. 1,006 477 762 433 508 789 1,101 1,164 1,443 Cash contributions......................... 1,047 b/ 199 b/ 78 336 532 654 1,162 1,065 1,921 Personal insurance and pensions............ 5,791 553 679 1,340 2,205 3,439 4,420 6,310 11,674 Life and other personal insurance........ 544 125 84 182 293 336 414 547 1,058 Pensions and Social Security............. 5,247 428 595 1,158 1,913 3,103 4,006 5,763 10,616 Sources of income and personal taxes: a/ Money income before taxes................. 55,875 5,783 12,579 17,478 25,045 35,117 44,639 58,711 108,825 Wages and salaries....................... 49,734 3,374 6,817 13,153 21,070 31,042 40,309 53,652 97,983 Self-employment income................... 2,806 b/ -1007 b/ 292 752 1,184 1,637 1,560 1,928 7,021 Social Security, private and government retirement................... 1,555 877 2,233 1,395 1,821 1,180 1,596 1,599 1,617 Interest, dividends, rental income, other property income................... 485 b/ 40 b/ 67 105 55 184 344 551 1,068 Unemployment and workers'' compensation, veterans'' benefits..................... 254 b/ 78 b/ 316 328 275 285 281 288 210 Public assistance, supplemental security, income, food stamps..................... 445 1,949 2,297 1,314 313 303 b/ 131 110 b/ 19 Regular contributions for support........ 308 96 339 319 143 221 307 454 341 Other income............................. 287 375 b/ 218 b/ 112 185 264 111 129 565 Personal taxes............................. 4,078 -92 -523 247 609 1,799 3,004 4,093 9,658 Federal income taxes..................... 3,017 -232 -547 -145 234 1,259 2,150 3,021 7,444 State and local income taxes............. 882 9 2 119 234 463 693 926 1,923 Other taxes.............................. 179 b/ 131 b/ 23 274 141 77 161 146 290 Income after taxes.......................... 51,797 5,875 13,102 17,231 24,435 33,318 41,635 54,618 99,167 Net change in total assets and liabilities.. -1,733 -592 -2,242 985 -1,182 -4,172 -859 -5,603 963 Net change in total assets............... 8,571 933 2,485 4,072 3,996 5,494 6,555 1,951 21,755 Net change in total liabilities.......... 10,304 1,525 4,726 3,087 5,178 9,666 7,414 7,554 20,792 Other financial information: Other money receipts..................... 519 b/ 34 b/ 240 b/ 157 42 113 185 1,438 557 Mortgage principal paid on owned property................................ -1,852 -495 -432 -582 -535 -1,004 -1,316 -1,765 -3,925 Estimated market value of owned home..... 99,072 29,286 29,303 35,517 42,684 56,914 75,819 103,839 190,529 Estimated monthly rental value of owned home.............................. 692 265 241 260 342 457 612 742 1,218 Gifts of goods and services................. 989 330 316 397 417 617 639 1,013 1,957 Food..................................... 78 b/ 13 b/ 7 b/ 21 30 24 38 91 172 Housing.................................. 340 158 158 185 129 225 234 380 612 Housekeeping supplies.................. 51 b/ 23 b/ 14 b/ 22 b/ 23 24 39 81 81 Household textiles..................... 26 e/ e/ d/ b/ 2 b/ 26 b/ 20 30 55 Appliances and miscellaneous housewares............................ 29 b/ 7 b/ 6 b/ 15 b/ 10 b/ 13 b/ 11 53 46 Major appliances..................... 6 b/ 6 e/ b/ 12 e/ b/ 3 e/ b/ 15 b/ 4 Small appliances and miscellaneous housewares.......................... 23 b/ 1 b/ 6 b/ 3 b/ 10 b/ 10 b/ 11 38 41 Miscellaneous household equipment...... 64 b/ 6 b/ 15 b/ 40 15 19 54 49 152 Other housing.......................... 169 121 124 109 80 142 110 166 278 Apparel and services..................... 238 b/ 69 b/ 91 135 167 159 153 253 426 Males, 2 and over...................... 55 b/ 2 b/ 35 b/ 18 44 36 46 53 95 Females, 2 and over.................... 97 b/ 45 b/ 12 79 30 29 63 103 205 Children under 2....................... 48 b/ 10 b/ 42 b/ 16 b/ 40 68 b/ 31 54 62 Other apparel products and services.... 39 b/ 11 b/ 1 b/ 22 b/ 54 b/ 25 b/ 12 43 63 Jewelry and watches.................. 13 b/ 3 b/ 1 b/ 2 b/ 5 b/ 6 b/ 5 21 23 All other apparel products and services............................ 26 b/ 8 e/ b/ 20 b/ 49 b/ 19 b/ 7 b/ 22 40 Transportation........................... 25 20 b/ 3 b/ 1 7 19 27 16 51 Health care.............................. 23 b/ 4 b/ 3 b/ 13 b/ 3 b/ 18 b/ 33 b/ 6 55 Entertainment............................ 73 b/ 9 b/ 30 b/ 14 21 51 66 77 139 Toys, games, hobbies, and tricycles.... 30 b/ 7 b/ 22 b/ 5 11 26 29 33 52 Other entertainment.................... 42 b/ 2 b/ 8 b/ 10 b/ 9 25 37 45 87 Education................................ 124 b/ 38 b/ 4 b/ 1 b/ 9 b/ 47 b/ 32 108 327 All other gifts.......................... 89 20 20 27 50 75 57 80 175 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Data are likely to have large sampling errors. c/ Value less than 0.05. d/ Value less than 0.5. e/ No data reported.