Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1991-92 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ____________________________________________________________________________________________________ Number of consumer units (in thousands)... 12840 611 828 854 878 1695 1650 1495 2344 2484 Income before taxes 1/.................... 47280 425 7191 12609 17302 24982 34574 44333 58977 109091 Income after taxes 1/..................... 42724 -898 7017 12297 16166 23176 31551 40716 53383 97129 Age of reference person................... 49.1 49.4 49.9 49.1 49.2 49.2 48.8 48.9 48.9 49 Average number in consumer unit:.......... Persons.................................. 2.8 2.1 2.4 2.6 2.6 2.7 2.6 3 3.2 3.2 Children under 18........................ 0.6 0.5 0.6 0.8 0.6 0.6 0.6 0.6 0.7 0.7 Persons 65 and over...................... 0 0 0 0 0 0 0 0 0 0 Earners.................................. 1.9 1 0.9 1.2 1.6 1.7 1.8 2.1 2.3 2.5 Vehicles................................. 2.5 1.3 1 1.4 1.9 2.2 2.5 3 3.2 3.3 Percent distribution: Male..................................... 68 58 35 45 50 60 66 78 83 83 Female................................... 32 42 65 55 50 40 34 22 17 17 Percent homeowner........................ 74 56 37 39 64 68 74 85 86 93 With mortgage........................... 57 31 19 24 49 45 54 65 71 81 Without mortgage........................ 17 26 18 16 15 23 20 20 14 13 Renter................................... 26 44 63 61 36 32 26 15 14 7 Black.................................... 11 26 28 23 14 13 10 8 6 4 White and other.......................... 89 74 72 77 86 87 90 92 94 96 Elementary (1-8)......................... 7 26 19 19 15 7 5 3 3 1 High school (9-12)....................... 44 42 57 58 54 56 52 50 36 22 College.................................. 48 31 24 22 31 36 43 47 61 77 Never attended and other................. 0 0 0 1 0 0 0 1 0 0 At least one vehicle owned............... 91 69 63 79 86 95 96 98 98 97 Average annual expenditures............... 39288 16867 13398 17835 23285 26769 32360 39620 48942 70776 Food..................................... 5380 2579 3004 3369 3893 4224 4547 5575 6669 8262 Food at home............................ 3234 1876 2473 2387 2685 2742 2856 3278 3877 4364 Cereals and bakery products............ 489 271 352 326 405 418 440 492 596 671 Cereals and cereal products........... 168 108 156 108 142 150 146 170 200 219 Bakery products....................... 321 163 196 218 263 268 294 322 396 452 Meats, poultry, fish, and eggs......... 881 499 787 850 714 790 759 858 1008 1126 Beef.................................. 276 142 275 227 243 241 250 273 313 355 Pork.................................. 189 119 166 202 175 199 148 218 203 200 Other meats........................... 124 72 98 110 103 124 118 118 149 144 Poultry............................... 158 88 120 193 117 124 125 135 194 218 Fish and seafood...................... 97 40 93 74 44 69 89 81 116 162 Eggs.................................. 36 37 36 44 31 33 29 33 33 46 Dairy products......................... 355 222 242 227 351 292 309 389 425 463 Fresh milk and cream.................. 146 91 131 133 181 122 121 162 158 160 Other dairy products.................. 209 131 111 93 169 170 188 227 267 302 Fruits and vegetables.................. 508 320 409 332 395 415 443 522 600 724 Fresh fruits.......................... 147 94 99 84 106 125 123 147 172 227 Fresh vegetables...................... 157 90 157 85 124 125 124 171 186 224 Processed fruits...................... 113 64 84 76 92 90 111 107 139 158 Processed vegetables.................. 91 72 69 87 72 75 85 96 104 114 Other food at home..................... 1002 565 683 652 821 826 906 1017 1248 1382 Sugar and other sweets................ 116 68 74 86 117 111 97 111 151 139 Fats and oils......................... 88 60 64 59 70 73 86 106 105 106 Miscellaneous foods................... 457 226 353 276 385 352 393 485 567 649 Nonalcoholic beverages................ 283 193 185 203 223 260 273 264 357 364 Food prep. by cu, out-of-town trips... 58 18 7 29 26 29 57 52 68 122 Food away from home..................... 2145 703 531 982 1208 1482 1690 2297 2791 3898 Alcoholic beverages...................... 315 62 68 183 154 189 292 316 389 606 Housing.................................. 11249 6412 5337 5978 7599 7740 9114 10803 13226 19854 Shelter................................. 6365 3759 2973 3415 4200 4236 5242 5948 7096 11680 Owned dwellings........................ 4518 2231 1035 1208 2321 2417 3442 4451 5303 9607 Mortgage interest and charges......... 2841 1269 349 655 1396 1390 2102 2714 3417 6337 Property taxes........................ 1014 578 324 280 533 575 809 929 1159 2122 Maintenance, rep., ins., oth. exp..... 663 384 363 273 393 452 531 808 727 1147 Rented dwellings....................... 1275 1457 1799 2132 1663 1607 1499 1049 1085 564 Other lodging.......................... 572 71 139 75 216 211 300 448 708 1509 Utilities, fuels, and public services... 2374 1766 1629 1729 1975 2013 2130 2328 2721 3246 Natural gas............................ 294 230 225 193 259 222 237 297 358 403 Electricity............................ 968 707 579 670 799 829 917 940 1134 1311 Fuel oil and other fuels............... 107 98 68 61 60 77 134 119 98 158 Telephone.............................. 730 559 592 637 630 663 623 689 801 962 Water and other public services........ 276 173 166 167 227 223 218 282 330 412 Household operations.................... 391 164 92 109 159 128 175 404 414 1022 Personal services...................... 72 13 3 31 99 19 48 129 94 112 Other household expenses............... 319 151 89 78 61 109 127 275 320 909 Housekeeping supplies................... 565 211 281 291 463 423 453 607 692 922 Laundry and cleaning supplies.......... 163 90 99 94 103 167 153 170 222 208 Other household products............... 260 73 133 122 243 154 175 291 280 488 Postage and stationery................. 142 48 49 75 116 102 125 147 189 226 Household furnishings and equipment..... 1553 512 361 434 803 940 1115 1516 2303 2985 Household textiles..................... 131 40 28 25 32 76 118 137 174 273 Furniture.............................. 397 140 142 105 233 238 244 316 466 899 Floor coverings........................ 146 9 2 2 106 27 74 87 562 118 Major appliances....................... 153 72 56 77 91 122 125 134 209 253 Small appliances, misc. housewares..... 116 38 37 36 107 60 85 119 174 196 Miscellaneous household equipment...... 611 214 96 188 235 417 469 722 719 1247 Apparel and services..................... 2336 851 440 957 1312 1670 1976 2350 2744 4548 Men and boys............................ 619 96 118 316 408 362 627 725 774 1057 Men, 16 and over....................... 539 86 54 189 274 312 546 681 691 961 Boys, 2 to 15.......................... 80 10 64 127 134 50 81 45 84 95 Women and girls......................... 963 332 143 309 403 736 770 894 1064 2114 Women, 16 and over..................... 848 312 110 247 322 655 682 806 915 1886 Girls, 2 to 15......................... 115 20 33 62 81 80 88 88 149 227 Children under 2........................ 57 44 18 34 47 48 66 47 64 87 Footwear................................ 330 146 70 129 305 327 290 401 349 509 Other apparel products and services..... 367 233 92 169 148 197 222 283 492 783 Transportation........................... 6890 2565 1801 2756 3749 5547 6107 6992 9376 11235 Vehicle purchases (net outlay).......... 2752 755 549 1022 1411 2454 2378 2832 4173 4109 Cars and trucks, new................... 1280 126 174 114 352 754 986 1338 2075 2429 Cars and trucks, used.................. 1412 629 375 906 1051 1701 1315 1456 2031 1508 Other vehicles......................... 60 0 0 1 7 0 77 38 66 171 Gasoline and motor oil.................. 1293 756 555 722 962 1117 1236 1446 1563 1799 Other vehicle expenses.................. 2476 877 585 840 1232 1778 2250 2419 3284 4423 Vehicle finance charges................ 375 76 97 124 189 260 319 377 600 594 Maintenance and repairs................ 835 328 211 303 449 640 841 825 1101 1392 Vehicle insurance...................... 903 345 219 311 431 651 785 980 1184 1576 Veh. rent., leas., licen., oth. chges.. 364 128 58 103 163 228 305 238 399 861 Public transportation................... 369 177 111 172 144 198 244 295 355 904 Health care.............................. 1690 1093 785 1162 1203 1365 1550 1810 2047 2400 Health insurance........................ 644 416 279 254 490 572 664 735 810 832 Medical services........................ 651 407 325 665 376 413 507 658 770 1055 Drugs................................... 270 218 146 195 275 276 262 275 311 309 Medical supplies........................ 125 51 35 49 62 103 117 142 156 203 Entertainment............................ 2009 1202 551 709 1119 1268 1508 2118 2647 3638 Fees and admissions..................... 503 192 75 87 222 187 348 448 586 1238 Television, radios, sound equipment..... 640 265 252 399 410 402 528 640 945 982 Pets, toys, and playground equipment.... 365 175 181 127 206 289 301 397 437 625 Other supplies, equip., and services.... 501 571 43 96 281 391 331 633 679 792 Personal care products and services...... 508 209 171 179 306 411 444 578 651 838 Reading.................................. 210 86 76 138 106 120 173 203 279 373 Education................................ 848 175 97 91 297 259 684 500 1017 2286 Tobacco products and smoking supplies.... 383 301 341 387 367 398 442 492 416 275 Miscellaneous............................ 1114 545 201 648 878 742 883 1383 1303 1866 Cash contributions....................... 1396 423 76 360 790 317 847 1450 1652 3476 Personal insurance and pensions.......... 4962 364 451 916 1513 2520 3794 5050 6527 11119 Life and other personal insurance....... 556 176 120 155 187 368 455 620 678 1104 Pensions and Social Security............ 4406 188 331 762 1326 2151 3339 4430 5849 10016 Money income before taxes 1/.............. 47280 425 7191 12609 17302 24982 34574 44333 58977 109091 Wages and salaries....................... 38780 1656 2556 8388 13123 20742 30320 38138 51451 85876 Self-employment income................... 5165 -2517 547 344 889 1454 1628 3006 4517 18558 Soc. Sec., priv. and gov. retirement..... 1169 250 1868 1006 1724 978 753 1186 1113 1471 Int., divid., rent. inc., property inc... 910 170 193 100 364 452 829 699 896 2309 Unemp. and workers' compen., vet. ben.... 407 115 273 654 386 600 253 824 266 298 Pub. ass., supp. sec. inc., foodstamps... 420 562 1634 1677 415 432 286 222 123 29 Regular contributions for support........ 313 127 67 283 250 234 429 214 494 341 Other income............................. 116 60 54 157 152 89 76 44 117 209 Personal taxes 1/......................... 4556 1323 174 312 1136 1806 3023 3617 5593 11962 Federal income taxes..................... 3512 989 50 187 893 1306 2269 2813 4288 9376 State and local income taxes............. 873 200 49 85 196 366 596 672 1075 2286 Other taxes.............................. 171 133 74 40 46 134 159 132 230 301 Income after taxes 1/..................... 42724 -898 7017 12297 16166 23176 31551 40716 53383 97129 Net change in total assets and liabilities -874 -12168 872 -173 173 -1854 411 -1815 -3341 3418 Net change in total assets............... 3324 -6038 405 1766 3094 1470 2348 1551 3009 10496 Net change in total liabilities.......... 4198 6130 -467 1939 2920 3324 1937 3367 6350 7078 Other money receipts...................... 456 60 25 61 405 138 96 676 466 1164 Mortgage principal paid, owned property... -1241 -579 -243 -379 -580 -594 -827 -1033 -1618 -2753 Estimated market value of owned home...... 87427 52954 24383 27523 40557 50410 64207 76323 102832 186948 Est. monthly rental value of owned home... 532 297 197 196 326 363 419 510 626 1006 Gifts of goods and services............... 1730 511 274 493 664 915 1367 1263 2520 3676 Food.................................... 172 33 25 10 42 45 119 75 315 411 Housing................................. 428 159 112 128 160 176 239 333 690 911 Housekeeping supplies................. 54 11 7 10 30 38 42 89 79 82 Household textiles.................... 18 0 7 6 7 8 1 27 14 49 Appliances and misc. housewares....... 40 10 10 15 76 22 27 36 58 56 Major appliances.................... 10 3 3 11 6 15 7 12 13 13 Small appl. and misc. housewares.... 30 7 7 4 70 7 20 25 45 43 Miscellaneous household equipment..... 83 29 1 61 13 53 69 62 122 167 Other housing......................... 233 109 87 35 34 53 100 119 417 556 Apparel and services.................... 354 87 45 155 231 278 483 299 416 592 Males 2 and over...................... 110 26 16 52 82 57 172 138 118 163 Females 2 and over.................... 130 15 5 13 79 131 172 87 146 257 Children under 2...................... 41 21 8 23 23 30 49 33 53 69 Other apparel products and services... 73 25 15 67 47 59 90 41 100 103 Jewelry and watches................. 37 7 2 10 11 30 22 24 73 65 All other apparel products and serv. 35 18 13 57 36 29 68 17 27 38 Transportation.......................... 110 23 9 17 9 162 27 43 213 193 Health care............................. 36 41 5 8 12 22 19 25 77 55 Entertainment........................... 103 37 22 133 68 58 84 99 149 142 Toys, games, hobbies, and tricycles... 32 22 13 8 37 23 29 37 50 35 Other entertainment................... 71 16 9 125 31 35 55 62 99 107 Education............................... 365 11 32 4 23 73 308 124 445 1116 All other gifts......................... 162 120 25 38 118 101 89 265 217 255 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary