Table 5. Consumer units with reference person age 55-64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 9844 564 1195 1129 959 1789 1148 3060 Income before taxes 1/.................... 35041 958 7537 12391 17497 24738 34883 72002 Income after taxes 1/..................... 31458 844 7450 11696 16552 23083 31919 63164 Average number of persons in cons. unit... 2.3 1.6 1.8 2 2.1 2.1 2.6 2.7 Age of reference person................... 59.7 59.7 60.2 60.2 60.4 59.9 59.5 59.2 Average number of: Earners.................................. 1.4 0.7 0.8 1 1.2 1.3 1.7 2 Vehicles................................. 2.3 1.2 1.2 1.9 2 2.2 2.6 3.1 Children under 18........................ 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0.1 0.1 Percent distribution: Male..................................... 69 38 44 59 63 74 81 83 Female................................... 31 62 56 41 37 26 19 17 Percent homeowner........................ 81 57 57 73 77 83 92 94 Homeowner with mortgage................. 40 13 19 26 29 42 49 58 Homeowner without mortgage.............. 41 45 39 48 48 42 43 36 Renter................................... 19 43 43 27 23 17 8 6 Black.................................... 10 22 19 14 10 9 9 3 White and other.......................... 90 78 81 86 90 91 91 97 Elementary (1-8)......................... 15 17 28 24 17 16 13 6 High school (9-12)....................... 49 54 53 52 61 56 51 36 College.................................. 36 26 19 24 22 28 36 59 Never attended and other................. 0 2 1 1 0 0 0 0 At least one vehicle owned............... 91 64 73 90 96 94 98 99 Average annual expenditures............... 29681 14396 14591 17238 20619 24462 31215 48410 Food..................................... 4476 2597 2709 2953 3753 4234 4795 6391 Food at home............................ 2635 1867 1948 2167 2500 2593 2863 3231 Cereals and bakery products............ 388 231 305 317 385 398 402 475 Cereals and cereal products........... 127 90 115 114 129 127 131 144 Bakery products....................... 261 141 190 203 256 271 271 331 Meats, poultry, fish, and eggs......... 739 589 594 626 725 696 785 883 Beef.................................. 232 169 190 177 213 222 273 275 Pork.................................. 153 121 153 140 146 154 159 165 Other meats........................... 110 78 72 96 103 99 127 137 Poultry............................... 119 100 103 97 122 118 117 137 Fish and seafood...................... 90 95 44 75 102 66 73 133 Eggs.................................. 36 25 33 40 38 37 37 37 Dairy products......................... 306 205 227 256 299 323 352 352 Fresh milk and cream.................. 138 102 121 129 151 147 160 137 Other dairy products.................. 168 103 107 127 148 176 192 215 Fruits and vegetables.................. 453 292 333 326 437 450 491 575 Fresh fruits.......................... 149 75 99 93 148 144 181 197 Fresh vegetables...................... 142 102 121 107 145 142 136 176 Processed fruits...................... 89 65 63 64 83 95 87 114 Processed vegetables.................. 72 50 49 62 61 69 87 89 Other food at home..................... 748 551 489 642 654 727 831 945 Sugar and other sweets................ 94 54 68 63 82 78 125 123 Fats and oils......................... 72 53 72 60 69 65 77 84 Miscellaneous foods................... 304 198 186 280 262 322 299 389 Nonalcoholic beverages................ 233 169 157 208 218 228 256 283 Food prep. by cu, out-of-town trips... 46 76 7 31 24 33 75 66 Food away from home..................... 1841 730 760 786 1254 1640 1933 3160 Alcoholic beverages...................... 265 142 53 131 169 215 277 479 Housing.................................. 8205 4647 5129 5374 5976 6957 8054 12592 Shelter................................. 4302 2129 2812 2726 3031 3451 4019 6867 Owned dwellings........................ 2840 997 1262 1450 1713 2186 2959 4999 Mortgage interest..................... 1186 282 414 452 586 858 1146 2320 Property taxes........................ 857 441 360 479 561 645 938 1454 Maintenance, rep., ins., oth. exp..... 796 274 489 519 566 683 875 1224 Rented dwellings....................... 783 1015 1361 996 902 880 463 462 Other lodging.......................... 679 118 189 280 416 385 597 1406 Utilities, fuels, and public services... 2059 1371 1605 1594 1855 1961 2118 2635 Natural gas............................ 301 179 227 263 245 278 351 379 Electricity............................ 836 577 675 666 791 783 873 1041 Fuel oil and other fuels............... 130 81 89 80 93 172 105 171 Telephone.............................. 575 402 452 419 531 535 565 753 Water and other public services........ 217 133 162 166 195 193 224 290 Household operations.................... 319 133 136 114 200 221 179 647 Personal services...................... 48 33 44 14 11 51 7 90 Other household expenses............... 271 100 92 100 189 170 171 557 Housekeeping supplies................... 462 286 259 281 348 477 487 666 Laundry and cleaning supplies.......... 120 87 83 85 100 144 137 141 Other household products............... 199 98 110 121 122 205 193 312 Postage and stationery................. 142 101 66 76 126 128 157 214 Household furnishings and equipment..... 1063 728 317 658 541 847 1251 1778 Household textiles..................... 122 59 76 100 67 83 168 178 Furniture.............................. 263 86 82 127 100 244 256 480 Floor coverings........................ 106 131 8 34 60 58 132 197 Major appliances....................... 166 88 38 142 92 188 237 224 Small appliances, misc. housewares..... 69 52 13 32 48 58 62 126 Miscellaneous household equipment...... 337 313 100 224 175 215 395 574 Apparel and services..................... 1586 628 615 808 1093 1137 1787 2780 Men and boys............................ 347 147 70 175 220 261 333 659 Men, 16 and over....................... 312 107 69 137 197 215 293 618 Boys, 2 to 15.......................... 35 40 2 38 23 46 40 41 Women and girls......................... 726 284 301 323 535 503 1022 1186 Women, 16 and over..................... 690 258 286 309 511 468 978 1133 Girls, 2 to 15......................... 36 27 15 14 23 34 44 53 Children under 2........................ 49 7 29 70 16 43 48 74 Footwear................................ 221 101 90 156 161 184 175 388 Other apparel products and services..... 244 89 125 83 162 148 209 473 Transportation........................... 5503 2160 2763 3051 3908 4553 6528 8775 Vehicle purchases (net outlay).......... 2304 660 1311 1057 1531 1735 2795 3847 Cars and trucks, new................... 1289 363 637 366 688 818 1496 2442 Cars and trucks, used.................. 992 297 674 691 843 916 1287 1335 Other vehicles......................... 23 0 0 0 0 1 12 69 Gasoline and motor oil.................. 1127 636 656 833 963 1055 1355 1516 Other vehicle expenses.................. 1725 699 650 1041 1209 1549 1980 2766 Vehicle finance charges................ 252 63 103 88 168 222 325 423 Maintenance and repairs................ 619 298 221 451 416 548 708 975 Vehicle insurance...................... 672 248 278 401 511 613 809 1036 Veh. rental, licenses, oth. charges.... 183 91 48 100 113 166 138 331 Public transportation................... 347 165 146 119 204 214 397 647 Health care.............................. 1829 826 1122 1799 1574 1680 1737 2505 Health insurance........................ 686 362 408 802 683 649 680 835 Medical services........................ 694 234 360 599 479 633 531 1108 Drugs................................... 346 162 304 303 363 307 415 407 Medical supplies........................ 103 68 51 95 48 91 111 154 Entertainment............................ 1478 885 445 574 827 913 1533 2843 Fees and admissions..................... 393 113 117 121 211 223 384 811 Television, radios, sound equipment..... 398 195 179 234 309 328 458 630 Pets, toys, and playground equipment.... 254 162 106 129 221 171 267 431 Other supplies, equip., and services.... 433 414 42 90 86 191 423 971 Personal care products and services...... 425 203 231 403 309 339 448 635 Reading.................................. 174 73 71 105 114 149 184 288 Education................................ 328 251 199 39 159 226 192 663 Tobacco products and smoking supplies.... 333 234 319 312 317 371 415 316 Miscellaneous............................ 670 369 273 525 445 556 599 1103 Cash contributions....................... 1115 396 234 334 672 951 1236 2068 Personal insurance and pensions.......... 3294 985 429 831 1302 2180 3431 6972 Life and other personal insurance....... 450 154 188 195 256 388 423 809 Pensions and Social Security............ 2844 832 241 636 1046 1793 3008 6163 Money income before taxes 1/.............. 35041 958 7537 12391 17497 24738 34883 72002 Wages and salaries....................... 23952 629 1986 5299 8991 15105 25238 53092 Self-employment income................... 3194 -1607 243 653 960 1655 2043 8201 Soc. Sec., priv. and gov. retirement..... 5198 910 3580 5006 5861 5812 5762 5913 Int., divid., rent. inc., property inc... 1870 152 347 683 925 1384 1278 4021 Unemp. and workers' compen., vet. ben.... 275 99 261 196 323 396 367 223 Pub. ass., supp. sec. inc., foodstamps... 331 628 976 453 141 246 60 189 Regular contributions for support........ 123 19 61 68 227 94 96 181 Other income............................. 97 127 82 33 69 46 39 182 Personal taxes 1/......................... 3583 114 87 695 945 1655 2964 8839 Federal income taxes..................... 2847 46 40 485 634 1282 2232 7172 State and local income taxes............. 633 11 7 138 203 301 648 1500 Other taxes.............................. 102 57 40 72 108 72 85 167 Income after taxes 1/..................... 31458 844 7450 11696 16552 23083 31919 63164 Net change in total assets and liabilities -606 -2533 -1360 1494 -1912 1240 3032 -2768 Net change in total assets............... 1397 -2141 28 1378 -1626 738 3609 3094 Net change in total liabilities.......... 2004 391 1388 -116 286 -502 576 5862 Other money receipts...................... 366 207 25 246 121 646 393 475 Mortgage principal paid, owned property... -589 -234 -263 -260 -311 -448 -671 -1043 Estimated market value of owned home...... 87480 44539 42299 49210 53978 65190 82512 152556 Est. monthly rental value of owned home... 497 299 255 327 374 431 530 757 Gifts of goods and services, total........ 1085 506 386 605 595 871 1122 1900 Clothing, males 2 and over............... 91 61 27 101 45 73 111 134 Clothing, females 2 and over............. 100 62 25 81 63 91 165 130 Clothing, infants less than 2............ 36 7 24 18 13 35 41 61 Jewelry and watches...................... 32 5 52 4 36 17 18 51 Small appliances and misc. housewares.... 23 6 2 6 14 24 16 48 Household textiles....................... 13 0 8 5 15 4 19 21 All other gifts.......................... 789 365 248 390 409 627 753 1455 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary. - {PAGE|2} - Table 5. Consumer units with reference person age 55-64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________