Table 10. Education of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996 ___________________________________________________________________________________________________________________________________________________________________________________________________ | | | | | Less than college graduate | College graduate | |__________________________________________________________________________|____________________________________________ | All consumer | | | | | | | | Item | units | |Less than high| | High school | | | | Master's, | | Total | school | High school | graduate with| Associate | Total | Bachelor's | professional, | | | graduate | graduate | some college | degree | | degree | doctorate | | | | | 1/ | | | | ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | | Number of consumer units (in thousands).....................| 104,212| 79,437| 19,268| 32,509| 19,768| 7,892| 24,774| 16,003| 8,771 Income before taxes 2/......................................| $38,014| $31,511| $20,063| $33,094| $35,153| $44,282| $58,380| $53,193| $67,867 Income after taxes 2/.......................................| 34,864| 29,159| 19,173| 30,677| 32,148| 40,237| 52,730| 48,541| 60,391 Age of reference person.....................................| 47.7| 48.3| 55.7| 48.2| 42.8| 44.6| 45.8| 44.6| 48.0 Average number in consumer unit: | | | | | | | | | Persons....................................................| 2.5| 2.6| 2.7| 2.6| 2.4| 2.6| 2.5| 2.5| 2.5 Children under 18..........................................| 0.7| 0.7| 0.8| 0.7| 0.6| 0.8| 0.6| 0.6| 0.6 Persons 65 and over........................................| 0.3| 0.3| 0.6| 0.3| 0.2| 0.2| 0.2| 0.2| 0.2 Earners....................................................| 1.3| 1.3| 1.0| 1.3| 1.4| 1.5| 1.5| 1.5| 1.5 Vehicles...................................................| 1.9| 1.8| 1.5| 1.9| 1.9| 2.2| 2.1| 2.1| 2.2 Percent distribution: | | | | | | | | | Male.......................................................| 60| 58| 53| 59| 59| 61| 68| 66| 70 Female.....................................................| 40| 42| 47| 41| 41| 39| 32| 34| 30 Percent homeowner..........................................| 64| 62| 58| 65| 57| 66| 70| 68| 74 With mortgage.............................................| 38| 34| 21| 36| 37| 47| 49| 48| 52 Without mortgage..........................................| 26| 28| 37| 29| 20| 20| 21| 20| 22 Renter.....................................................| 36| 38| 42| 35| 43| 34| 30| 32| 26 Black......................................................| 12| 14| 17| 14| 12| 11| 6| 6| 6 White and other............................................| 88| 86| 83| 86| 88| 89| 94| 94| 95 Elementary (1-8)...........................................| 8| 10| 43| 0| 0| 0| 0| 0| 0 High school (9-12).........................................| 41| 54| 55| 100| 0| 0| 0| 0| 0 College....................................................| 50| 35| 0| 0| 100| 100| 100| 100| 100 Never attended and other...................................| 0| 0| 2| 0| 0| 0| 0| 0| 0 At least one vehicle owned.................................| 85| 83| 73| 85| 86| 89| 92| 91| 93 Average annual expenditures.................................| $33,797| $29,225| $21,458| $29,705| $32,462| $38,301| $48,245| $45,723| $52,812 Food.......................................................| 4,698| 4,320| 3,607| 4,402| 4,583| 5,182| 5,832| 5,583| 6,269 Food at home..............................................| 2,876| 2,774| 2,681| 2,822| 2,720| 2,973| 3,178| 3,062| 3,381 Cereals and bakery products..............................| 447| 425| 404| 431| 425| 459| 511| 493| 544 Cereals and cereal products.............................| 166| 159| 160| 158| 158| 166| 184| 177| 198 Bakery products.........................................| 281| 266| 244| 273| 267| 293| 327| 316| 346 Meats, poultry, fish, and eggs...........................| 737| 747| 777| 788| 662| 735| 708| 688| 743 Beef....................................................| 215| 224| 226| 240| 200| 222| 188| 190| 184 Pork....................................................| 157| 167| 187| 180| 137| 145| 128| 125| 133 Other meats.............................................| 99| 99| 102| 106| 86| 101| 98| 95| 103 Poultry.................................................| 144| 142| 147| 141| 132| 156| 151| 143| 165 Fish and seafood........................................| 88| 79| 71| 86| 78| 80| 113| 105| 126 Eggs....................................................| 34| 35| 44| 35| 29| 32| 30| 29| 31 Dairy products...........................................| 312| 298| 281| 301| 295| 343| 352| 342| 370 Fresh milk and cream....................................| 132| 133| 135| 133| 126| 143| 131| 130| 133 Other dairy products....................................| 180| 165| 146| 168| 169| 200| 221| 212| 238 Fruits and vegetables....................................| 490| 459| 451| 449| 469| 489| 582| 556| 626 Fresh fruits............................................| 153| 139| 138| 137| 139| 149| 195| 188| 208 Fresh vegetables........................................| 147| 140| 142| 131| 147| 150| 169| 158| 186 Processed fruits........................................| 110| 101| 95| 100| 104| 112| 135| 130| 142 Processed vegetables....................................| 80| 79| 76| 80| 78| 79| 83| 80| 90 Other food at home.......................................| 889| 845| 768| 854| 869| 947| 1,024| 982| 1,098 Sugar and other sweets..................................| 114| 111| 98| 111| 112| 138| 125| 116| 140 Fats and oils...........................................| 83| 84| 92| 86| 73| 82| 81| 79| 85 Miscellaneous foods.....................................| 391| 365| 317| 368| 392| 413| 465| 453| 487 Nonalcoholic beverages..................................| 252| 246| 238| 256| 240| 250| 269| 255| 293 Food prepared by consumer unit on out-of-town trips.....| 49| 38| 23| 33| 52| 64| 84| 80| 93 Food away from home.......................................| 1,823| 1,546| 926| 1,580| 1,863| 2,209| 2,654| 2,521| 2,888 Alcoholic beverages........................................| 309| 246| 127| 247| 302| 407| 497| 477| 531 Housing....................................................| 10,747| 9,169| 7,079| 9,145| 10,236| 11,747| 15,765| 14,984| 17,187 Shelter...................................................| 6,064| 5,057| 3,826| 4,978| 5,774| 6,594| 9,291| 8,842| 10,111 Owned dwellings..........................................| 3,783| 2,981| 1,858| 3,000| 3,500| 4,345| 6,352| 5,944| 7,098 Mortgage interest and charges...........................| 2,114| 1,614| 818| 1,562| 2,063| 2,648| 3,717| 3,481| 4,148 Property taxes..........................................| 939| 758| 540| 798| 821| 970| 1,519| 1,446| 1,652 Maintenance, repairs, insurance, other expenses.........| 729| 608| 500| 640| 616| 727| 1,116| 1,016| 1,298 Rented dwellings.........................................| 1,864| 1,795| 1,834| 1,704| 1,896| 1,820| 2,085| 2,122| 2,017 Other lodging............................................| 417| 281| 133| 274| 378| 429| 854| 776| 996 Utilities, fuels, and public services.....................| 2,347| 2,237| 2,081| 2,293| 2,208| 2,455| 2,700| 2,614| 2,858 Natural gas..............................................| 291| 274| 262| 292| 247| 294| 347| 328| 383 Electricity..............................................| 907| 889| 832| 922| 864| 956| 967| 945| 1,007 Fuel oil and other fuels.................................| 108| 109| 119| 121| 87| 92| 103| 100| 107 Telephone services.......................................| 772| 714| 635| 712| 754| 819| 958| 925| 1,019 Water and other public services..........................| 268| 250| 233| 247| 256| 294| 325| 316| 342 Household operations......................................| 522| 381| 184| 381| 470| 643| 972| 884| 1,133 Personal services........................................| 259| 200| 73| 216| 237| 352| 447| 458| 428 Other household expenses.................................| 263| 181| 111| 165| 233| 291| 525| 427| 704 Housekeeping supplies.....................................| 464| 417| 313| 440| 436| 553| 601| 504| 770 Laundry and cleaning supplies............................| 119| 120| 114| 120| 116| 146| 117| 110| 128 Other household products.................................| 205| 192| 131| 226| 187| 240| 244| 213| 298 Postage and stationery...................................| 140| 105| 68| 95| 134| 168| 240| 180| 345 Household furnishings and equipment.......................| 1,350| 1,077| 675| 1,053| 1,348| 1,502| 2,201| 2,139| 2,316 Household textiles.......................................| 76| 63| 39| 61| 77| 92| 118| 119| 117 Furniture................................................| 321| 259| 179| 242| 329| 346| 519| 508| 540 Floor coverings..........................................| 101| 60| 44| 48| 97| 47| 223| 308| 73 Major appliances.........................................| 162| 146| 114| 152| 152| 193| 212| 194| 244 Small appliances, miscellaneous housewares...............| 84| 66| 51| 58| 77| 100| 141| 147| 131 Miscellaneous household equipment........................| 607| 484| 249| 491| 616| 724| 988| 864| 1,211 Apparel and services.......................................| 1,752| 1,522| 1,110| 1,379| 1,708| 2,628| 2,439| 2,349| 2,597 Men and boys..............................................| 423| 355| 247| 350| 397| 541| 630| 611| 662 Men, 16 and over.........................................| 330| 265| 181| 251| 303| 435| 526| 506| 561 Boys, 2 to 15............................................| 93| 90| 66| 99| 94| 106| 104| 105| 102 Women and girls...........................................| 718| 618| 457| 500| 691| 1,274| 1,016| 953| 1,127 Women, 16 and over.......................................| 607| 515| 364| 405| 585| 1,127| 881| 818| 991 Girls, 2 to 15...........................................| 111| 103| 93| 95| 106| 147| 135| 134| 136 Children under 2..........................................| 82| 79| 63| 83| 71| 123| 93| 80| 116 Footwear..................................................| 298| 284| 225| 276| 315| 389| 340| 363| 301 Other apparel products and services.......................| 230| 186| 118| 170| 234| 301| 360| 343| 391 Transportation.............................................| 6,382| 5,700| 4,217| 5,898| 6,121| 7,447| 8,569| 8,408| 8,862 Vehicle purchases (net outlay)............................| 2,815| 2,588| 2,009| 2,723| 2,614| 3,379| 3,543| 3,600| 3,441 Cars and trucks, new.....................................| 1,209| 975| 463| 1,032| 1,156| 1,536| 1,959| 1,837| 2,182 Cars and trucks, used....................................| 1,568| 1,572| 1,545| 1,614| 1,441| 1,787| 1,556| 1,737| 1,226 Other vehicles...........................................| 38| 41| 1| 77| 17| 56| 28| 25| 33 Gasoline and motor oil....................................| 1,082| 1,019| 810| 1,051| 1,083| 1,242| 1,281| 1,269| 1,303 Other vehicle expenses....................................| 2,058| 1,804| 1,174| 1,861| 2,063| 2,455| 2,874| 2,718| 3,157 Vehicle finance charges..................................| 276| 270| 170| 300| 279| 367| 294| 296| 292 Maintenance and repairs..................................| 645| 565| 387| 540| 688| 796| 902| 879| 943 Vehicle insurance........................................| 698| 630| 459| 654| 699| 780| 913| 857| 1,015 Vehicle rental, leases, licenses, other charges..........| 440| 338| 158| 368| 398| 512| 764| 686| 907 Public transportation.....................................| 427| 289| 224| 263| 361| 371| 871| 822| 961 Health care................................................| 1,770| 1,628| 1,467| 1,667| 1,586| 1,955| 2,226| 2,098| 2,459 Health insurance..........................................| 827| 766| 734| 795| 713| 855| 1,023| 967| 1,126 Medical services..........................................| 543| 479| 323| 508| 496| 694| 751| 712| 823 Drugs.....................................................| 303| 299| 333| 288| 278| 310| 314| 293| 352 Medical supplies..........................................| 97| 84| 78| 77| 99| 95| 137| 126| 157 Entertainment..............................................| 1,834| 1,575| 851| 1,757| 1,855| 1,914| 2,648| 2,579| 2,770 Fees and admissions.......................................| 459| 308| 122| 303| 428| 484| 942| 927| 969 Television, radios, sound equipment.......................| 561| 502| 380| 512| 545| 655| 747| 714| 807 Pets, toys, and playground equipment......................| 335| 285| 168| 316| 328| 362| 487| 457| 540 Other entertainment supplies, equipment and services......| 479| 480| 182| 626| 554| 415| 472| 482| 453 Personal care products and services........................| 513| 457| 330| 455| 524| 608| 687| 666| 724 Reading....................................................| 159| 120| 72| 117| 153| 172| 284| 259| 329 Education..................................................| 524| 353| 134| 261| 579| 695| 1,071| 946| 1,298 Tobacco products and smoking supplies......................| 255| 294| 308| 316| 254| 271| 128| 145| 98 Miscellaneous..............................................| 855| 771| 551| 857| 808| 865| 1,123| 1,047| 1,260 Cash contributions.........................................| 940| 720| 428| 855| 759| 776| 1,647| 1,433| 2,039 Personal insurance and pensions............................| 3,060| 2,352| 1,176| 2,349| 2,993| 3,633| 5,330| 4,749| 6,390 Life and other personal insurance.........................| 353| 293| 213| 298| 323| 391| 546| 500| 630 Pensions and Social Security..............................| 2,707| 2,059| 963| 2,051| 2,670| 3,242| 4,784| 4,249| 5,760 Money income before taxes 2/...............................| 38,014| 31,511| 20,063| 33,094| 35,153| 44,282| 58,380| 53,193| 67,867 Wages and salaries........................................| 29,560| 23,751| 12,115| 25,139| 27,802| 36,720| 47,753| 43,949| 54,712 Self-employment income....................................| 2,318| 1,650| 568| 1,717| 2,280| 2,466| 4,409| 3,576| 5,934 Social Security, private and government retirement........| 4,334| 4,371| 5,540| 4,472| 3,382| 3,589| 4,219| 3,816| 4,956 Interest, dividends, rental income, other property income.| 761| 596| 330| 705| 701| 558| 1,278| 1,124| 1,561 Unemployment and workers' compensation, veterans' benefits| 213| 247| 250| 258| 237| 222| 105| 86| 140 Public assistance, supplemental security income, food | | | | | | | | | stamps.................................................| 437| 544| 1,037| 507| 218| 293| 104| 126| 65 Regular contributions for support.........................| 243| 218| 111| 204| 323| 272| 321| 336| 292 Other income..............................................| 148| 134| 112| 93| 210| 161| 189| 179| 208 Personal taxes 2/..........................................| 3,150| 2,352| 890| 2,418| 3,005| 4,045| 5,650| 4,652| 7,476 Federal income taxes......................................| 2,372| 1,736| 631| 1,708| 2,315| 3,107| 4,361| 3,571| 5,805 State and local income taxes..............................| 665| 523| 205| 612| 594| 777| 1,111| 927| 1,447 Other taxes...............................................| 113| 92| 54| 97| 96| 160| 178| 153| 225 Income after taxes 2/......................................| 34,864| 29,159| 19,173| 30,677| 32,148| 40,237| 52,730| 48,541| 60,391 Net change in total assets and liabilities.................| -1,689| -1,437| -983| -1,707| -1,297| -1,789| -2,497| -1,892| -3,600 Net change in total assets................................| 4,049| 2,841| 1,490| 1,821| 4,055| 7,303| 7,920| 8,710| 6,479 Net change in total liabilities...........................| 5,738| 4,279| 2,473| 3,528| 5,351| 9,092| 10,417| 10,602| 10,079 Other money receipts.......................................| 309| 219| 196| 202| 257| 248| 599| 445| 879 Mortgage principal paid on owned property..................| -960| -748| -397| -764| -945| -1,044| -1,642| -1,588| -1,739 Estimated market value of owned home.......................| 73,168| 59,747| 44,609| 61,333| 65,134| 76,671| 116,203| 107,880| 131,390 Estimated monthly rental value of owned home...............| 503| 433| 327| 448| 466| 543| 730| 696| 792 Gifts of goods and services................................| 1,119| 885| 594| 900| 961| 1,358| 1,848| 1,581| 2,328 Food......................................................| 62| 46| 31| 45| 51| 82| 113| 95| 146 Housing...................................................| 280| 218| 124| 215| 278| 319| 467| 379| 624 Housekeeping supplies....................................| 40| 31| 18| 33| 30| 63| 67| 57| 84 Household textiles.......................................| 8| 7| 4| 8| 10| 9| 9| 8| 12 Appliances and miscellaneous housewares..................| 30| 22| 14| 20| 27| 37| 55| 54| 57 Major appliances........................................| 8| 7| 7| 7| 7| 5| 11| 13| 9 Small appliances and miscellaneous housewares...........| 22| 15| 7| 13| 20| 32| 44| 41| 48 Miscellaneous household equipment........................| 81| 57| 23| 61| 76| 77| 152| 104| 238 Other housing............................................| 120| 100| 65| 93| 135| 132| 183| 156| 233 Apparel and services......................................| 296| 259| 180| 256| 279| 425| 406| 384| 445 Males, 2 and over........................................| 78| 62| 47| 71| 53| 91| 124| 129| 117 Females, 2 and over......................................| 99| 84| 66| 75| 93| 140| 145| 137| 159 Children under 2.........................................| 41| 39| 32| 43| 29| 68| 46| 37| 64 Other apparel products and services......................| 78| 74| 36| 67| 104| 126| 90| 81| 106 Jewelry and watches.....................................| 44| 43| 5| 46| 72| 53| 48| 35| 72 All other apparel products and services.................| 34| 32| 31| 21| 32| 74| 42| 46| 34 Transportation............................................| 60| 45| 45| 51| 34| 44| 108| 110| 106 Health care...............................................| 43| 38| 26| 46| 21| 83| 56| 40| 86 Entertainment.............................................| 110| 97| 77| 93| 100| 152| 152| 137| 178 Toys, games, hobbies, and tricycles......................| 40| 36| 24| 32| 44| 61| 51| 42| 67 Other entertainment......................................| 70| 61| 54| 61| 56| 91| 100| 95| 110 Education.................................................| 128| 67| 33| 69| 84| 102| 321| 226| 495 All other gifts...........................................| 140| 114| 77| 126| 116| 150| 224| 210| 248 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 1/ Beginning in 1996, this column does not include reference persons with Associate degrees. 2/ 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.