Table 11. By EDUCATION OF REFERENCE PERSON: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1995 All Less than High High College Item consumer high schoo school school graduates, units graduate graduate graduate including with some advanced college degrees ________________________________________________ Number of consumer units (in thousands)... 103,123 21,534 33,027 23,568 24,994 Income before taxes 1/.................... $36,918 $19,900 $32,166 $36,046 $58,916 Income after taxes 1/..................... 33,864 18,923 29,914 33,108 52,876 Age of reference person................... 48.0 56.1 47.9 42.5 46.3 Average number in consumer unit:.......... Persons.................................. 2.5 2.6 2.6 2.5 2.5 Children under 18........................ 0.7 0.7 0.7 0.7 0.6 Persons 65 and over...................... 0.3 0.6 0.3 0.2 0.2 Earners.................................. 1.3 1.0 1.4 1.5 1.5 Vehicles................................. 1.9 1.6 2.0 2.0 2 Percent distribution: Male..................................... 62 58 60 63 70 Female................................... 38 42 40 37 30 Percent homeowner........................ 64 58 65 60 72 With mortgage........................... 38 20 37 40 52 Without mortgage........................ 26 38 28 20 20 Renter................................... 36 42 35 40 28 Black.................................... 11 17 12 11 6 White and other.......................... 89 83 88 89 94 Elementary (1-8)......................... 9 41 0 0 0 High school (9-12)....................... 44 57 100 0 0 College.................................. 47 0 0 100 100 Never attended and other................. 0 2 0 0 0 At least one vehicle owned............... 86 74 86 89 92 Average annual expenditures............... $32,264 $19,785 $28,983 $33,337 $45,757 Food..................................... 4,505 3,389 4,203 4,661 5,521 Food at home............................ 2,803 2,624 2,775 2,729 3,020 Cereals and bakery products............ 441 397 435 433 483 Cereals and cereal products........... 165 161 158 162 178 Bakery products....................... 276 237 277 271 305 Meats, poultry, fish, and eggs......... 752 826 773 718 710 Beef.................................. 228 250 252 215 198 Pork.................................. 156 185 169 148 129 Other meats........................... 104 112 104 102 99 Poultry............................... 138 141 130 142 140 Fish and seafood...................... 97 102 89 85 114 Eggs.................................. 30 37 29 27 30 Dairy products......................... 297 263 285 299 329 Fresh milk and cream.................. 123 134 120 120 122 Other dairy products.................. 174 129 165 179 207 Fruits and vegetables.................. 457 420 423 436 535 Fresh fruits.......................... 144 128 133 136 174 Fresh vegetables...................... 137 130 123 130 163 Processed fruits...................... 96 86 88 89 117 Processed vegetables.................. 80 76 79 81 81 Other food at home..................... 856 718 859 842 964 Sugar and other sweets................ 112 96 112 103 130 Fats and oils......................... 82 87 82 81 81 Miscellaneous foods................... 377 295 368 377 440 Nonalcoholic beverages................ 240 218 263 235 236 Food prep. by cu, out-of-town trips... 45 23 34 46 77 Food away from home..................... 1,702 764 1,427 1,931 2,500 Alcoholic beverages...................... 277 109 235 306 417 Housing.................................. 10,458 6,442 9,199 10,600 15,288 Shelter................................. 5,928 3,530 5,121 6,023 8,971 Owned dwellings........................ 3,749 1,756 3,108 3,709 6,349 Mortgage interest and charges......... 2,104 789 1,574 2,205 3,842 Property taxes........................ 930 526 889 862 1,398 Maintenance, rep., ins., oth. exp..... 715 441 646 643 1,110 Rented dwellings....................... 1,788 1,676 1,752 1,910 1,817 Other lodging.......................... 391 98 261 403 804 Utilities, fuels, and public services... 2,191 1,856 2,187 2,121 2,550 Natural gas............................ 268 221 277 252 312 Electricity............................ 869 769 891 838 956 Fuel oil and other fuels............... 86 91 92 64 95 Telephone.............................. 708 567 675 709 871 Water and other public services........ 259 207 252 257 316 Household operations.................... 509 210 390 533 899 Personal services...................... 258 109 215 282 422 Other household expenses............... 250 101 175 251 477 Housekeeping supplies................... 430 261 409 438 557 Laundry and cleaning supplies.......... 110 96 117 107 115 Other household products............... 194 105 191 212 241 Postage and stationery................. 125 59 101 120 201 Household furnishings and equipment..... 1,401 585 1,092 1,485 2,311 Household textiles..................... 100 32 105 109 137 Furniture.............................. 327 164 272 352 516 Floor coverings........................ 177 27 74 159 407 Major appliances....................... 155 125 155 163 173 Small appliances, misc. housewares..... 85 43 75 92 123 Miscellaneous household equipment...... 557 194 411 610 956 Apparel and services..................... 1,704 1,009 1,484 1,725 2,449 Men and boys............................ 425 247 364 408 640 Men, 16 and over....................... 329 155 278 332 514 Boys, 2 to 15.......................... 96 92 86 76 126 Women and girls......................... 660 332 577 694 953 Women, 16 and over..................... 559 269 476 581 833 Girls, 2 to 15......................... 101 63 101 112 120 Children under 2........................ 81 67 79 81 94 Footwear................................ 278 245 232 276 352 Other apparel products and services..... 259 118 232 267 410 Transportation........................... 6,014 3,723 5,814 6,394 7,883 Vehicle purchases (net outlay).......... 2,638 1,719 2,717 2,857 3,122 Cars and trucks, new................... 1,198 494 1,060 1,338 1,854 Cars and trucks, used.................. 1,406 1,210 1,606 1,475 1,247 Other vehicles......................... 34 15 50 44 21 Gasoline and motor oil.................. 1,006 746 1,018 1,054 1,166 Other vehicle expenses.................. 2,015 1,118 1,839 2,133 2,897 Vehicle finance charges................ 260 140 291 295 290 Maintenance and repairs................ 653 410 574 707 906 Vehicle insurance...................... 712 442 705 732 936 Veh. rent., leas., licen., oth. chges.. 389 127 268 399 765 Public transportation................... 355 140 240 349 698 Health care.............................. 1,732 1,552 1,684 1,609 2,065 Health insurance........................ 860 847 836 777 982 Medical services........................ 512 331 500 500 694 Drugs................................... 280 321 274 248 280 Medical supplies........................ 80 52 73 84 109 Entertainment............................ 1,612 768 1,372 1,809 2,454 Fees and admissions..................... 433 115 290 456 873 Television, radios, sound equipment..... 542 383 506 606 665 Pets, toys, and playground equipment.... 322 166 286 378 440 Other supplies, equip., and services.... 315 104 289 369 476 Personal care products and services...... 403 232 391 430 516 Reading.................................. 162 74 128 165 281 Education................................ 471 99 250 583 973 Tobacco products and smoking supplies.... 269 306 329 256 170 Miscellaneous............................ 766 503 770 758 997 Cash contributions....................... 925 436 686 959 1,629 Personal insurance and pensions.......... 2,964 1,142 2,439 3,084 5,116 Life and other personal insurance....... 373 205 336 377 563 Pensions and Social Security............ 2,591 937 2,103 2,707 4,553 Money income before taxes 1/.............. 36,918 19,900 32,166 36,046 58,916 Wages and salaries....................... 28,474 11,824 24,643 28,331 48,218 Self-employment income................... 2,034 776 1,427 1,844 4,120 Soc. Sec., priv. and gov. retirement..... 4,355 5,383 4,216 3,680 4,301 Int., divid., rent. inc., property inc... 861 413 681 862 1,492 Unemp. and workers' compen., vet. ben.... 279 314 343 311 132 Pub. ass., supp. sec. inc., foodstamps... 462 1,007 474 324 107 Regular contributions for support........ 273 68 247 478 286 Other income............................. 180 114 137 215 261 Personal taxes 1/......................... 3,054 977 2,253 2,939 6,040 Federal income taxes..................... 2,235 667 1,590 2,141 4,549 State and local income taxes............. 640 212 499 610 1,231 Other taxes.............................. 179 98 163 188 260 Income after taxes 1/..................... 33,864 18,923 29,914 33,108 52,876 Net change in total assets and liabilities (969) (809) (1,928) (1,961) 1,095 Net change in total assets............... 3,102 757 1,727 3,158 6,889 Net change in total liabilities.......... 4,071 1,566 3,654 5,119 5,794 Other money receipts...................... 462 278 406 398 754 Mortgage principal paid, owned property... (1,063) (364) (742) (1,197) (1,962) Estimated market value of owned home...... 71,655 41,147 60,571 69,227 114,874 Est. monthly rental value of owned home... 496 323 433 475 747 Gifts of goods and services............... 986 411 804 999 1,651 Food.................................... 88 20 65 80 177 Housing................................. 250 99 200 251 423 Housekeeping supplies................. 38 15 25 42 63 Household textiles.................... 10 2 13 9 14 Appliances and misc. housewares....... 27 8 24 25 48 Major appliances.................... 5 3 5 8 4 Small appl. and misc. housewares.... 23 5 19 18 44 Miscellaneous household equipment..... 66 23 55 70 105 Other housing......................... 108 53 83 104 193 Apparel and services.................... 258 140 246 272 345 Males 2 and over...................... 70 36 69 79 87 Females 2 and over.................... 94 45 86 99 130 Children under 2...................... 40 29 41 39 47 Other apparel products and services... 55 30 50 55 81 Jewelry and watches................. 27 6 33 25 37 All other apparel products and serv. 29 23 18 31 43 Transportation.......................... 48 24 30 47 92 Health care............................. 22 25 22 16 25 Entertainment........................... 86 41 74 127 101 Toys, games, hobbies, and tricycles... 29 20 30 31 34 Other entertainment................... 57 21 44 96 68 Education............................... 120 10 68 95 305 All other gifts......................... 114 52 99 111 182 __________________________________________ 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. 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.