Table 1100. Quintiles of income before taxes: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 1995 _________________________________________________________________________________________________________________________________ | | | | | Complete reporting of income | | All | |Incomplete ___________________________________________________________ Item |consumer | | | | | | |reporting | units | Total | Lowest | Second | Third | Fourth | Highest | of | |complete | 20 | 20 | 20 | 20 | 20 | income | |reporting| percent | percent | percent | percent | percent | | | | | | | | | _________________________________________________________________________________________________________________________________ | | | | | | | | Number of consumer units (in thousands).........| 103,123 | 83,455 | 16,662 | 16,688 | 16,689 | 16,691 | 16,725 | 19,669 Lower limit.....................................| n.a. | n.a. | n.a. | $11,026 | $21,497 | $35,513 | $56,381 | n.a. | | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | | | Income before taxes 1/........................| $36,918 | $36,918 | $6,305 | $16,114 | $28,242 | $44,753 | $89,011 | (1) Income after taxes 1/.........................| 33,864 | 33,864 | 6,186 | 15,537 | 26,400 | 41,338 | 79,715 | (1) Age of reference person.......................| 48.0 | 48.1 | 52.0 | 51.8 | 46.3 | 44.7 | 45.7 | 47.4 | | | | | | | | Average number in consumer unit: | | | | | | | | Persons.....................................| 2.5 | 2.5 | 1.8 | 2.2 | 2.6 | 2.8 | 3.1 | 2.6 Children under 18...........................| .7 | .7 | .5 | .6 | .7 | .8 | .8 | .7 Persons 65 and over.........................| .3 | .3 | .4 | .5 | .3 | .2 | .1 | .3 Earners.....................................| 1.3 | 1.3 | .6 | .9 | 1.4 | 1.8 | 2.1 | 1.3 Vehicles....................................| 1.9 | 1.9 | 1.0 | 1.5 | 2.0 | 2.5 | 2.8 | 1.8 | | | | | | | | Percent distribution: | | | | | | | | | | | | | | | | Sex of reference person: | | | | | | | | Male......................................| 62 | 62 | 39 | 55 | 65 | 74 | 79 | 63 Female....................................| 38 | 38 | 61 | 45 | 35 | 26 | 21 | 37 | | | | | | | | Housing tenure: | | | | | | | | Homeowner.................................| 64 | 64 | 40 | 56 | 61 | 73 | 89 | 65 With mortgage...........................| 38 | 38 | 11 | 20 | 35 | 52 | 72 | 36 Without mortgage........................| 26 | 26 | 29 | 36 | 26 | 22 | 16 | 29 Renter....................................| 36 | 36 | 60 | 44 | 39 | 27 | 11 | 35 | | | | | | | | Race of reference person: | | | | | | | | Black.....................................| 11 | 11 | 17 | 12 | 11 | 8 | 5 | 14 White and other...........................| 89 | 89 | 83 | 88 | 89 | 92 | 95 | 86 | | | | | | | | Education of reference person: | | | | | | | | Elementary (1-8)..........................| 9 | 9 | 20 | 12 | 8 | 4 | 1 | 8 High school (9-12)........................| 44 | 44 | 48 | 54 | 50 | 40 | 25 | 46 College...................................| 47 | 47 | 31 | 33 | 42 | 56 | 73 | 46 Never attended and other..................| (2) | (2) | 1 | (2) | (2) | (2) | (2) | (2) | | | | | | | | At least one vehicle owned..................| 86 | 86 | 61 | 84 | 94 | 96 | 96 | 84 | | | | | | | | Average annual expenditures.....................| $32,264 | $33,597 | $14,607 | $22,126 | $29,125 | $39,395 | $62,639 | $27,147 | | | | | | | | Food..........................................| 14.0 | 14.0 | 17.0 | 16.7 | 14.7 | 13.9 | 12.0 | 14.5 Food at home................................| 8.7 | 8.6 | 12.5 | 11.8 | 9.3 | 8.3 | 6.4 | 9.4 Cereals and bakery products...............| 1.4 | 1.4 | 2.0 | 1.8 | 1.5 | 1.3 | 1.0 | 1.5 Cereals and cereal products.............| .5 | .5 | .8 | .7 | .6 | .5 | .4 | .6 Bakery products.........................| .9 | .8 | 1.2 | 1.1 | .9 | .8 | .7 | .9 Meats, poultry, fish, and eggs............| 2.3 | 2.3 | 3.5 | 3.5 | 2.4 | 2.2 | 1.5 | 2.7 Beef....................................| .7 | .7 | 1.0 | 1.0 | .7 | .7 | .5 | .8 Pork....................................| .5 | .5 | .8 | .8 | .5 | .4 | .3 | .6 Other meats.............................| .3 | .3 | .5 | .5 | .3 | .3 | .2 | .4 Poultry.................................| .4 | .4 | .6 | .6 | .4 | .4 | .3 | .5 Fish and seafood........................| .3 | .3 | .4 | .5 | .3 | .3 | .2 | .4 Eggs....................................| .1 | .1 | .2 | .2 | .1 | .1 | .1 | .1 | | | | | | | | Dairy products............................| .9 | .9 | 1.3 | 1.2 | 1.0 | .9 | .7 | .9 Fresh milk and cream....................| .4 | .4 | .6 | .6 | .4 | .4 | .3 | .4 Other dairy products....................| .5 | .5 | .7 | .7 | .6 | .5 | .4 | .5 Fruits and vegetables.....................| 1.4 | 1.4 | 2.1 | 2.0 | 1.5 | 1.3 | 1.0 | 1.6 Fresh fruits............................| .4 | .4 | .7 | .6 | .5 | .4 | .3 | .5 Fresh vegetables........................| .4 | .4 | .6 | .6 | .5 | .4 | .3 | .5 Processed fruits........................| .3 | .3 | .5 | .4 | .3 | .3 | .2 | .3 Processed vegetables....................| .2 | .2 | .4 | .4 | .3 | .2 | .2 | .3 | | | | | | | | Other food at home........................| 2.7 | 2.7 | 3.6 | 3.4 | 2.8 | 2.7 | 2.1 | 2.7 Sugar and other sweets..................| .3 | .4 | .5 | .5 | .4 | .3 | .3 | .3 Fats and oils...........................| .3 | .2 | .4 | .4 | .3 | .2 | .2 | .3 Miscellaneous foods.....................| 1.2 | 1.2 | 1.6 | 1.4 | 1.2 | 1.2 | .9 | 1.2 Nonalcoholic beverages..................| .7 | .7 | 1.1 | 1.0 | .8 | .7 | .6 | .8 Food prepared by consumer unit | | | | | | | | on out-of-town trips...................| .1 | .1 | .1 | .1 | .1 | .1 | .2 | .1 Food away from home.........................| 5.3 | 5.4 | 4.5 | 5.0 | 5.4 | 5.5 | 5.6 | 5.1 | | | | | | | | Alcoholic beverages...........................| .9 | .9 | .8 | .9 | .8 | .9 | 1.0 | .7 | | | | | | | | Housing.......................................| 32.4 | 31.5 | 38.5 | 32.9 | 31.8 | 30.0 | 30.1 | 37.3 Shelter.....................................| 18.4 | 17.6 | 21.5 | 18.3 | 17.5 | 16.3 | 17.3 | 22.1 Owned dwellings...........................| 11.6 | 11.1 | 7.4 | 8.2 | 9.3 | 10.9 | 14.1 | 13.9 Mortgage interest and charges...........| 6.5 | 6.3 | 2.4 | 2.9 | 4.9 | 6.4 | 9.0 | 7.5 Property taxes..........................| 2.9 | 2.7 | 2.8 | 2.6 | 2.3 | 2.5 | 3.1 | 3.8 | | | | | | | | Maintenance, repairs, insurance, | | | | | | | | other expenses.........................| 2.2 | 2.1 | 2.3 | 2.6 | 2.1 | 2.0 | 2.0 | 2.6 Rented dwellings..........................| 5.5 | 5.3 | 13.3 | 9.3 | 7.4 | 4.4 | 1.7 | 6.6 Other lodging.............................| 1.2 | 1.1 | .8 | .9 | .8 | .9 | 1.5 | 1.7 | | | | | | | | Utilities, fuels, and public services.......| 6.8 | 6.5 | 10.0 | 8.4 | 7.3 | 6.1 | 4.9 | 8.3 Natural gas...............................| .8 | .8 | 1.3 | 1.0 | .8 | .7 | .6 | 1.0 Electricity...............................| 2.7 | 2.5 | 3.9 | 3.4 | 2.9 | 2.4 | 1.9 | 3.4 Fuel oil and other fuels..................| .3 | .3 | .4 | .4 | .3 | .2 | .2 | .3 Telephone services........................| 2.2 | 2.1 | 3.4 | 2.7 | 2.4 | 2.0 | 1.5 | 2.6 Water and other public services...........| .8 | .8 | 1.0 | .9 | .8 | .8 | .7 | .9 Household operations........................| 1.6 | 1.5 | 1.3 | 1.4 | 1.3 | 1.4 | 1.8 | 1.7 Personal services.........................| .8 | .8 | .7 | .6 | .7 | .9 | .8 | .9 Other household expenses..................| .8 | .8 | .7 | .8 | .6 | .5 | 1.0 | .9 | | | | | | | | Housekeeping supplies.......................| 1.3 | 1.4 | 1.5 | 1.5 | 1.6 | 1.3 | 1.3 | 1.2 Laundry and cleaning supplies.............| .3 | .4 | .4 | .5 | .4 | .3 | .3 | .3 Other household products..................| .6 | .6 | .6 | .6 | .7 | .6 | .6 | .6 Postage and stationery....................| .4 | .4 | .4 | .4 | .5 | .4 | .4 | .3 Household furnishings and equipment.........| 4.3 | 4.5 | 4.2 | 3.3 | 4.2 | 4.9 | 4.8 | 4.0 Household textiles........................| .3 | .3 | .3 | .2 | .3 | .3 | .4 | .3 Furniture.................................| 1.0 | .9 | .8 | .9 | .9 | .9 | 1.1 | 1.3 Floor coverings...........................| .5 | .6 | .8 | .3 | .4 | 1.3 | .4 | .3 Major appliances..........................| .5 | .5 | .5 | .6 | .6 | .4 | .4 | .6 Small appliances, miscellaneous housewares| .3 | .3 | .3 | .2 | .3 | .3 | .3 | .2 Miscellaneous household equipment.........| 1.7 | 1.8 | 1.4 | 1.2 | 1.7 | 1.8 | 2.3 | 1.3 | | | | | | | | Apparel and services..........................| 5.3 | 5.3 | 5.2 | 5.5 | 5.2 | 5.0 | 5.4 | 5.5 Men and boys................................| 1.3 | 1.3 | 1.0 | 1.4 | 1.2 | 1.1 | 1.5 | 1.4 Men, 16 and over..........................| 1.0 | 1.0 | .6 | 1.1 | .9 | .9 | 1.1 | 1.1 Boys, 2 to 15.............................| .3 | .3 | .3 | .3 | .2 | .2 | .4 | .3 Women and girls.............................| 2.0 | 2.1 | 1.8 | 2.0 | 2.1 | 2.1 | 2.1 | 2.0 Women, 16 and over........................| 1.7 | 1.8 | 1.5 | 1.7 | 1.6 | 1.9 | 1.8 | 1.7 Girls, 2 to 15............................| .3 | .3 | .4 | .3 | .4 | .3 | .3 | .3 Children under 2............................| .2 | .2 | .3 | .3 | .3 | .3 | .2 | .3 Footwear....................................| .9 | .9 | 1.2 | 1.1 | .9 | .7 | .8 | .9 Other apparel products and services.........| .8 | .8 | .8 | .8 | .8 | .7 | .8 | .8 | | | | | | | | Transportation................................| 18.6 | 18.2 | 13.8 | 18.2 | 19.7 | 19.4 | 17.8 | 20.5 Vehicle purchases (net outlay)..............| 8.2 | 8.0 | 4.5 | 8.0 | 9.3 | 8.6 | 7.7 | 9.1 Cars and trucks, new......................| 3.7 | 3.6 | 1.5 | 3.9 | 2.9 | 3.6 | 4.2 | 4.5 | | | | | | | | Cars and trucks, used.....................| 4.4 | 4.3 | 2.9 | 4.1 | 6.3 | 4.8 | 3.5 | 4.5 Other vehicles............................| .1 | .1 | 3/.1 | 3/.1 | 3/.1 | 3/.2 | .1 | 3/.2 Gasoline and motor oil......................| 3.1 | 3.0 | 3.2 | 3.2 | 3.4 | 3.2 | 2.6 | 3.6 Other vehicle expenses......................| 6.2 | 6.1 | 5.1 | 6.0 | 6.3 | 6.6 | 6.1 | 6.7 Vehicle finance charges...................| .8 | .8 | .4 | .6 | .9 | 1.0 | .8 | .9 Maintenance and repairs...................| 2.0 | 2.0 | 2.1 | 2.1 | 2.1 | 2.2 | 1.8 | 2.1 Vehicle insurance.........................| 2.2 | 2.2 | 1.8 | 2.4 | 2.3 | 2.3 | 2.0 | 2.4 Vehicle rental, leases, licenses, | | | | | | | | other charges............................| 1.2 | 1.2 | .8 | .9 | .9 | 1.2 | 1.5 | 1.3 Public transportation.......................| 1.1 | 1.1 | 1.0 | 1.0 | .8 | .9 | 1.4 | 1.1 | | | | | | | | Health care...................................| 5.4 | 5.2 | 7.5 | 7.2 | 5.8 | 4.9 | 3.9 | 6.2 Health insurance............................| 2.7 | 2.6 | 3.9 | 3.9 | 3.0 | 2.5 | 1.7 | 3.1 Medical services............................| 1.6 | 1.5 | 1.8 | 1.6 | 1.5 | 1.4 | 1.4 | 2.0 Drugs.......................................| .9 | .9 | 1.6 | 1.5 | 1.1 | .7 | .5 | .9 Medical supplies............................| .2 | .3 | .3 | .3 | .3 | .3 | .2 | .2 | | | | | | | | Entertainment.................................| 5.0 | 5.0 | 4.9 | 4.1 | 4.8 | 5.1 | 5.4 | 4.9 Fees and admissions.........................| 1.3 | 1.3 | 1.1 | .9 | 1.0 | 1.2 | 1.8 | 1.4 Television, radios, sound equipment.........| 1.7 | 1.7 | 2.1 | 1.8 | 1.7 | 1.8 | 1.4 | 1.7 Pets, toys, and playground equipment........| 1.0 | 1.0 | .9 | .9 | 1.1 | 1.0 | 1.1 | .9 Other entertainment supplies, equipment, | | | | | | | | and services...............................| 1.0 | 1.0 | .7 | .6 | 1.0 | 1.0 | 1.1 | .9 | | | | | | | | Personal care products and services...........| 1.3 | 1.3 | 1.3 | 1.4 | 1.3 | 1.4 | 1.1 | 1.2 | | | | | | | | Reading.......................................| .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | | | | | | | | Education.....................................| 1.5 | 1.4 | 2.1 | .9 | .9 | 1.1 | 1.9 | 1.6 | | | | | | | | Tobacco products and smoking supplies.........| .8 | .8 | 1.4 | 1.1 | 1.1 | .8 | .4 | .9 | | | | | | | | Miscellaneous.................................| 2.4 | 2.4 | 2.8 | 2.7 | 2.6 | 2.6 | 2.0 | 2.2 | | | | | | | | Cash contributions............................| 2.9 | 3.1 | 1.9 | 3.2 | 2.4 | 3.2 | 3.5 | 1.7 | | | | | | | | Personal insurance and pensions...............| 9.2 | 10.5 | 2.2 | 4.6 | 8.3 | 11.3 | 15.0 | 2.3 Life and other personal insurance...........| 1.2 | 1.1 | .8 | .9 | 1.0 | 1.1 | 1.4 | 1.2 Pensions and Social Security................| 8.0 | 9.3 | 1.4 | 3.7 | 7.3 | 10.2 | 13.6 | 1.0 | | | | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | | | | | | | Money income before taxes.....................| $36,918 | $36,918 | $6,305 | $16,114 | $28,242 | $44,753 | $89,011 | (1) Wages and salaries..........................| 77.1 | 77.1 | 29.6 | 50.6 | 72.5 | 83.3 | 83.7 | (1) Self-employment income......................| 5.5 | 5.5 | -3.6 | 2.6 | 3.5 | 3.8 | 8.1 | (1) Social Security, private and government | | | | | | | | retirement.................................| 11.8 | 11.8 | 48.7 | 35.4 | 18.1 | 8.6 | 4.6 | (1) Interest, dividends, rental income, other | | | | | | | | property income............................| 2.3 | 2.3 | 1.5 | 2.2 | 1.9 | 2.4 | 2.5 | (1) Unemployment and workers' compensation, | | | | | | | | veterans' benefits.........................| .8 | .8 | 1.8 | 1.6 | 1.4 | .7 | .3 | (1) Public assistance, supplemental security | | | | | | | | income, food stamps........................| 1.3 | 1.3 | 16.7 | 4.7 | 1.0 | .3 | .1 | (1) Regular contributions for support...........| .7 | .7 | 3.3 | 1.8 | 1.2 | .5 | .4 | (1) Other income................................| .5 | .5 | 2.0 | 1.0 | .5 | .4 | .3 | (1) | | | | | | | | Personal taxes................................| 8.3 | 8.3 | 1.9 | 3.6 | 6.5 | 7.6 | 10.4 | (1) Federal income taxes........................| 6.1 | 6.1 | .6 | 2.1 | 4.5 | 5.5 | 7.9 | (1) State and local income taxes................| 1.7 | 1.7 | .3 | .8 | 1.5 | 1.7 | 2.1 | (1) Other taxes.................................| .5 | .5 | 1.0 | .7 | .5 | .5 | .4 | (1) | | | | | | | | Income after taxes............................| 91.7 | 91.7 | 98.1 | 96.4 | 93.5 | 92.4 | 89.6 | (1) | | | | | | | | _________________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ Value less than 0.5. 3/ Data are likely to have large sampling errors. n.a. Not applicable.