Table 10. Origin of reference person: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1994 All Total Non-Hispanic Item consumer Hispanic Non- less Afro- Afro- units Hispanic American American __________________________________________________ Number of consumer units (in thousands)... 102,210 7,730 94,479 84,138 10,342 Income before taxes 1/.................... $36,181 $26,750 $37,000 $38,468 $24,350 Income after taxes 1/..................... 33,098 24,996 33,802 35,105 22,564 Age of reference person................... 47.6 41.1 48.2 48.6 45.1 Average number in consumer unit:.......... Persons.................................. 2.5 3.4 2.5 2.4 2.7 Children under 18........................ 0.7 1.3 0.7 0.6 1 Persons 65 and over...................... 0.3 0.2 0.3 0.3 0.2 Earners.................................. 1.3 1.5 1.3 1.3 1.1 Vehicles................................. 1.9 1.6 2 2.1 1.2 Percent distribution: Male..................................... 62 61 63 65 43 Female................................... 38 39 37 35 57 Percent homeowner........................ 63 42 65 68 41 With mortgage........................... 37 28 37 39 23 Without mortgage........................ 26 14 27 29 18 Renter................................... 37 58 35 32 59 Black.................................... 11 3 12 1 100 White and other.......................... 89 97 88 99 0 Elementary (1-8)......................... 8 25 7 7 10 High school (9-12)....................... 43 45 43 42 55 College.................................. 48 29 49 51 35 Never attended and other................. 0 1 0 0 0 At least one vehicle owned............... 86 80 86 89 67 Average annual expenditures............... $31,731 $26,433 $32,165 $33,379 $22,242 Food..................................... 4,411 4,496 4,404 4,522 3,423 Food at home............................ 2,712 3,322 2,663 2,693 2,407 Cereals and bakery products............ 429 480 425 435 338 Cereals and cereal products........... 162 228 156 157 153 Bakery products....................... 267 252 268 278 185 Meats, poultry, fish, and eggs......... 732 1,028 709 688 878 Beef.................................. 227 364 216 210 259 Pork.................................. 156 200 152 143 225 Other meats........................... 94 114 92 93 89 Poultry............................... 137 180 133 130 160 Fish and seafood...................... 89 106 88 86 110 Eggs.................................. 30 64 27 26 35 Dairy products......................... 289 341 285 296 193 Fresh milk and cream.................. 127 183 123 126 94 Other dairy products.................. 162 158 162 170 98 Fruits and vegetables.................. 437 568 426 433 368 Fresh fruits.......................... 133 184 129 133 94 Fresh vegetables...................... 135 190 130 133 107 Processed fruits...................... 93 111 92 92 92 Processed vegetables.................. 76 83 75 75 74 Other food at home..................... 825 905 819 842 630 Sugar and other sweets................ 105 116 104 106 89 Fats and oils......................... 79 107 77 78 69 Miscellaneous foods................... 362 389 359 370 268 Nonalcoholic beverages................ 233 267 230 235 191 Food prep. by cu, out-of-town trips... 46 26 48 52 14 Food away from home..................... 1,698 1,174 1,741 1,829 1,016 Alcoholic beverages...................... 278 211 283 299 158 Housing.................................. 10,106 8,938 10,202 10,531 7,508 Shelter................................. 5,686 5,314 5,717 5,916 4,097 Owned dwellings........................ 3,492 2,312 3,588 3,832 1,604 Mortgage interest and charges......... 1,919 1,557 1,948 2,081 871 Property taxes........................ 922 450 960 1,030 397 Maintenance, rep., ins., oth. exp..... 651 305 680 722 336 Rented dwellings....................... 1,799 2,873 1,712 1,630 2,371 Other lodging.......................... 395 129 417 453 122 Utilities, fuels, and public services... 2,189 1,962 2,207 2,211 2,174 Natural gas............................ 283 220 288 280 349 Electricity............................ 861 714 874 879 831 Fuel oil and other fuels............... 98 19 104 113 33 Telephone.............................. 690 793 681 675 737 Water and other public services........ 257 217 260 264 224 Household operations.................... 490 354 501 531 262 Personal services...................... 230 203 232 237 189 Other household expenses............... 260 150 269 293 74 Housekeeping supplies................... 393 358 396 411 276 Laundry and cleaning supplies.......... 109 140 107 107 102 Other household products............... 174 171 174 181 117 Postage and stationery................. 110 46 115 122 57 Household furnishings and equipment..... 1,348 951 1,380 1,463 698 Household textiles..................... 100 94 100 106 52 Furniture.............................. 318 287 321 335 205 Floor coverings........................ 120 17 128 139 40 Major appliances....................... 149 127 151 157 100 Small appliances, misc. housewares..... 81 63 82 87 41 Miscellaneous household equipment...... 581 363 598 639 261 Apparel and services..................... 1,644 1,888 1,624 1,629 1,587 Men and boys............................ 395 558 381 385 352 Men, 16 and over....................... 305 376 299 304 259 Boys, 2 to 15.......................... 90 182 83 81 93 Women and girls......................... 652 530 662 664 640 Women, 16 and over..................... 552 402 564 569 523 Girls, 2 to 15......................... 100 128 98 95 117 Children under 2........................ 80 145 75 75 72 Footwear................................ 254 406 241 237 275 Other apparel products and services..... 264 249 265 267 248 Transportation........................... 6,044 4,847 6,142 6,371 4,275 Vehicle purchases (net outlay).......... 2,725 2,162 2,771 2,859 2,055 Cars and trucks, new................... 1,391 868 1,433 1,494 943 Cars and trucks, used.................. 1,290 1,293 1,290 1,312 1,112 Other vehicles......................... 44 0 48 54 0 Gasoline and motor oil.................. 986 906 992 1,028 705 Other vehicle expenses.................. 1,953 1,481 1,991 2,078 1,280 Vehicle finance charges................ 235 179 240 248 171 Maintenance and repairs................ 680 536 692 718 479 Vehicle insurance...................... 690 521 703 733 464 Veh. rent., leas., licen., oth. chges.. 347 244 356 379 166 Public transportation................... 381 299 388 407 235 Health care.............................. 1,755 1,061 1,811 1,920 928 Health insurance........................ 815 477 843 887 481 Medical services........................ 571 397 585 631 213 Drugs................................... 286 148 297 312 176 Medical supplies........................ 83 39 87 90 58 Entertainment............................ 1,567 937 1,618 1,724 759 Fees and admissions..................... 439 194 459 498 143 Television, radios, sound equipment..... 533 461 539 551 442 Pets, toys, and playground equipment.... 289 171 298 321 113 Other supplies, equip., and services.... 306 111 322 354 60 Personal care products and services...... 397 454 392 395 370 Reading.................................. 165 76 172 184 77 Education................................ 460 335 470 498 243 Tobacco products and smoking supplies.... 259 137 268 277 203 Miscellaneous............................ 749 579 762 804 424 Cash contributions....................... 960 453 1,002 1,063 505 Personal insurance and pensions.......... 2,938 2,022 3,012 3,164 1,783 Life and other personal insurance....... 398 192 415 425 333 Pensions and Social Security............ 2,540 1,830 2,598 2,739 1,451 Money income before taxes 1/.............. 36,181 26,750 37,000 38,468 24,350 Wages and salaries....................... 27,795 22,043 28,295 29,360 19,114 Self-employment income................... 1,870 906 1,954 2,124 489 Soc. Sec., priv. and gov. retirement..... 4,200 1,611 4,425 4,617 2,770 Int., divid., rent. inc., property inc... 1,087 162 1,167 1,290 107 Unemp. and workers' compen., vet. ben.... 316 350 313 326 205 Pub. ass., supp. sec. inc., foodstamps... 483 1,326 410 302 1,341 Regular contributions for support........ 287 234 291 301 203 Other income............................. 142 119 144 147 120 Personal taxes 1/......................... 3,083 1,754 3,198 3,362 1,786 Federal income taxes..................... 2,288 1,344 2,370 2,497 1,273 State and local income taxes............. 629 367 651 674 456 Other taxes.............................. 166 43 177 191 57 Income after taxes 1/..................... 33,098 24,996 33,802 35,105 22,564 Net change in total assets and liabilities (562) (3,210) (345) (159) (1,856) Net change in total assets............... 3,960 4,251 3,937 4,309 906 Net change in total liabilities.......... 4,522 7,461 4,282 4,468 2,762 Other money receipts...................... 567 107 605 668 90 Mortgage principal paid, owned property... (1,107) (502) (1,157) (1,251) (388) Estimated market value of owned home...... 68,759 40,399 71,079 76,566 26,440 Est. monthly rental value of owned home... 473 318 485 517 228 Gifts of goods and services............... 1,008 595 1,041 1,108 493 Food.................................... 84 40 88 95 26 Housing................................. 262 115 274 294 111 Housekeeping supplies................. 38 5 40 44 13 Household textiles.................... 16 4 17 18 6 Appliances and misc. housewares....... 26 26 26 28 12 Major appliances.................... 5 8 5 5 6 Small appl. and misc. housewares.... 21 18 21 23 6 Miscellaneous household equipment..... 65 32 68 74 15 Other housing......................... 117 47 123 130 66 Apparel and services.................... 246 270 244 254 162 Males 2 and over...................... 64 103 61 64 33 Females 2 and over.................... 94 65 96 99 76 Children under 2...................... 35 42 34 35 26 Other apparel products and services... 53 61 53 56 27 Jewelry and watches................. 26 11 27 30 4 All other apparel products and serv. 27 50 26 26 22 Transportation.......................... 56 21 59 57 74 Health care............................. 35 24 36 39 6 Entertainment........................... 84 38 87 94 32 Toys, games, hobbies, and tricycles... 32 25 33 35 15 Other entertainment................... 51 13 54 59 18 Education............................... 114 17 122 133 35 All other gifts......................... 127 72 131 141 47 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.