Table 3. Consumer units of two persons 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)... 25909 816 2285 2958 2935 4792 3519 2555 3096 2953 Income before taxes 1/.................... 36452 648 7670 12551 17446 24840 34486 44545 58469 102547 Income after taxes 1/..................... 32827 -79 7754 12324 16665 22863 31545 40996 51926 88525 Age of reference person................... 52.7 45.3 55.1 59.8 58.1 55.2 50.4 47.9 47.2 49.2 Average number in consumer unit:.......... Persons.................................. 2 2 2 2 2 2 2 2 2 2 Children under 18........................ 0.1 0.4 0.2 0.1 0.1 0.1 0.1 0 0 0 Persons 65 and over...................... 0.6 0.3 0.6 0.9 0.9 0.8 0.5 0.3 0.2 0.2 Earners.................................. 1.2 0.9 0.7 0.7 0.9 1.1 1.4 1.6 1.7 1.7 Vehicles................................. 2.2 1.3 1.2 1.8 1.8 2.1 2.4 2.5 2.7 2.7 Percent distribution: Male..................................... 73 40 53 70 73 75 76 76 82 84 Female................................... 27 60 47 30 27 25 24 24 18 16 Percent homeowner........................ 72 47 51 68 70 70 71 76 83 89 With mortgage........................... 36 23 11 19 18 27 39 47 61 65 Without mortgage........................ 36 25 40 49 51 43 32 29 21 24 Renter................................... 28 53 49 32 30 30 29 24 17 11 Black.................................... 8 15 20 9 8 7 7 5 4 4 White and other.......................... 92 85 80 91 92 93 93 95 96 96 Elementary (1-8)......................... 11 14 28 26 17 12 4 3 2 2 High school (9-12)....................... 44 51 49 51 51 50 48 42 33 19 College.................................. 45 33 22 22 32 38 48 55 65 79 Never attended and other................. 1 2 2 2 0 0 0 0 0 0 At least one vehicle owned............... 93 71 69 90 90 97 97 99 99 98 Average annual expenditures............... 31534 18500 15101 19591 20789 25790 30230 37318 44561 63670 Food..................................... 4377 3187 2678 3252 3542 3931 4335 5260 5488 7154 Food at home............................ 2636 2198 2068 2308 2429 2601 2571 2812 2937 3507 Cereals and bakery products............ 393 340 289 353 385 399 394 411 419 489 Cereals and cereal products........... 131 117 100 122 135 136 129 123 136 160 Bakery products....................... 262 223 189 231 251 263 265 288 282 330 Meats, poultry, fish, and eggs......... 680 670 606 662 604 699 645 639 701 875 Beef.................................. 209 185 173 209 175 226 205 195 235 244 Pork.................................. 152 196 147 149 146 179 140 151 124 147 Other meats........................... 91 94 82 84 83 95 97 86 90 107 Poultry............................... 119 103 114 116 99 112 106 101 147 171 Fish and seafood...................... 82 56 64 75 73 59 73 80 78 180 Eggs.................................. 27 35 26 30 27 28 25 26 26 26 Dairy products......................... 287 229 240 253 279 279 292 294 303 379 Fresh milk and cream.................. 119 97 141 128 127 115 114 122 104 116 Other dairy products.................. 168 132 99 125 152 163 179 173 199 263 Fruits and vegetables.................. 460 378 342 421 436 434 427 481 489 692 Fresh fruits.......................... 139 118 108 121 137 128 125 140 133 242 Fresh vegetables...................... 142 108 111 122 124 125 131 163 159 232 Processed fruits...................... 104 91 65 107 107 107 93 100 110 134 Processed vegetables.................. 74 61 58 71 69 73 77 77 87 85 Other food at home..................... 816 580 592 620 725 790 814 988 1025 1070 Sugar and other sweets................ 106 97 81 91 100 105 105 133 123 117 Fats and oils......................... 79 49 64 65 78 87 82 85 82 92 Miscellaneous foods................... 361 241 267 260 315 339 358 477 467 475 Nonalcoholic beverages................ 217 175 158 172 190 226 215 233 266 274 Food prep. by cu, out-of-town trips... 54 17 22 32 42 34 54 60 87 113 Food away from home..................... 1741 989 609 944 1113 1330 1764 2447 2552 3647 Alcoholic beverages...................... 334 88 117 132 199 211 369 411 473 930 Housing.................................. 9233 6347 5465 6298 6307 7638 8555 10353 12560 17943 Shelter................................. 5040 3689 2764 3140 3124 3993 4486 5715 7283 10405 Owned dwellings........................ 3244 2016 1131 1789 1533 2188 2618 3713 5437 8130 Mortgage interest and charges......... 1697 972 250 605 418 807 1347 2222 3352 5052 Property taxes........................ 882 506 369 609 634 722 775 915 1276 1849 Maintenance, rep., ins., oth. exp..... 665 538 513 575 481 659 495 576 809 1230 Rented dwellings....................... 1361 1434 1476 1227 1327 1531 1558 1555 1229 876 Other lodging.......................... 436 239 157 125 264 275 310 446 617 1398 Utilities, fuels, and public services... 1995 1590 1511 1777 1788 1882 2000 2043 2225 2797 Natural gas............................ 242 254 198 216 229 200 223 252 275 359 Electricity............................ 814 638 621 747 728 778 828 821 911 1094 Fuel oil and other fuels............... 123 104 109 130 116 140 129 99 105 144 Telephone.............................. 587 462 434 499 498 554 603 629 671 828 Water and other public services........ 229 132 149 186 218 210 218 242 262 372 Household operations.................... 360 265 148 402 254 245 250 287 370 985 Personal services...................... 91 60 53 263 83 62 61 58 36 134 Other household expenses............... 269 205 95 139 170 183 189 229 334 851 Housekeeping supplies................... 499 323 282 376 374 447 503 583 644 870 Laundry and cleaning supplies.......... 121 149 94 96 92 121 120 120 157 152 Other household products............... 232 88 113 180 179 195 231 272 294 461 Postage and stationery................. 146 86 75 100 103 130 152 191 193 257 Household furnishings and equipment..... 1340 480 760 601 767 1071 1315 1725 2037 2886 Household textiles..................... 121 17 59 56 52 123 122 164 149 291 Furniture.............................. 331 152 139 122 204 189 290 403 612 783 Floor coverings........................ 109 30 234 33 34 70 124 119 221 132 Major appliances....................... 147 77 77 99 129 152 163 134 196 226 Small appliances, misc. housewares..... 106 36 37 47 55 68 107 135 141 304 Miscellaneous household equipment...... 526 168 215 244 293 469 508 769 719 1150 Apparel and services..................... 1691 1008 791 1002 915 1344 1485 2271 2361 3873 Men and boys............................ 411 197 228 318 190 305 326 641 659 796 Men, 16 and over....................... 368 186 177 263 156 248 305 586 622 747 Boys, 2 to 15.......................... 43 11 51 55 33 58 21 55 37 49 Women and girls......................... 712 385 337 319 317 621 659 886 953 1842 Women, 16 and over..................... 675 363 298 303 291 577 617 832 907 1810 Girls, 2 to 15......................... 37 22 40 16 26 43 41 54 46 32 Children under 2........................ 41 53 24 24 25 31 41 52 59 73 Footwear................................ 228 176 91 219 218 201 169 344 204 425 Other apparel products and services..... 299 197 110 123 165 186 290 348 486 738 Transportation........................... 5808 2568 2296 3944 3628 5138 6238 7407 8599 9735 Vehicle purchases (net outlay).......... 2531 624 835 1996 1324 2245 2804 3470 3983 3912 Cars and trucks, new................... 1437 82 345 734 598 1003 1512 2537 2366 2880 Cars and trucks, used.................. 1065 541 490 1248 703 1230 1223 879 1573 1003 Other vehicles......................... 30 0 0 14 23 12 68 55 44 29 Gasoline and motor oil.................. 1013 739 598 734 823 975 1076 1219 1335 1344 Other vehicle expenses.................. 1891 1071 678 1103 1285 1689 2023 2304 2747 3378 Vehicle finance charges................ 265 60 54 106 149 211 343 398 473 425 Maintenance and repairs................ 677 489 242 443 467 628 719 822 908 1180 Vehicle insurance...................... 681 400 300 446 490 623 726 800 959 1128 Veh. rent., leas., licen., oth. chges.. 268 122 83 108 180 226 235 285 407 646 Public transportation................... 373 134 185 111 195 228 335 413 534 1101 Health care.............................. 1999 1096 1401 2030 2217 2247 1916 2003 1913 2240 Health insurance........................ 883 472 607 977 1039 1048 845 902 732 880 Medical services........................ 621 294 409 439 583 658 636 670 730 860 Drugs................................... 387 301 339 504 485 435 338 316 319 346 Medical supplies........................ 108 29 46 110 110 106 97 115 132 155 Entertainment............................ 1554 1964 589 647 917 1135 1393 1823 2426 3479 Fees and admissions..................... 384 217 117 104 197 247 396 467 549 1063 Television, radios, sound equipment..... 475 310 252 314 308 412 459 563 661 875 Pets, toys, and playground equipment.... 273 131 147 126 172 222 256 366 410 559 Other supplies, equip., and services.... 422 1306 74 103 240 254 282 427 806 983 Personal care products and services...... 434 239 251 293 321 402 435 483 582 784 Reading.................................. 192 112 73 113 139 168 197 240 269 351 Education................................ 272 367 130 113 121 148 251 269 388 781 Tobacco products and smoking supplies.... 277 271 258 257 300 278 296 297 333 191 Miscellaneous............................ 867 403 420 365 677 668 827 1056 1243 1873 Cash contributions....................... 1251 308 198 486 575 737 1034 1267 1831 4235 Personal insurance and pensions.......... 3245 540 436 658 931 1746 2899 4179 6096 10100 Life and other personal insurance....... 414 172 190 199 199 310 349 410 607 1134 Pensions and Social Security............ 2830 369 246 460 732 1437 2550 3769 5488 8966 Money income before taxes 1/.............. 36452 648 7670 12551 17446 24840 34486 44545 58469 102547 Wages and salaries....................... 24848 1395 1832 3929 7094 12949 23242 33466 48034 77188 Self-employment income................... 2308 -2528 249 253 390 1163 1583 2470 3060 10993 Soc. Sec., priv. and gov. retirement..... 6589 691 3754 7165 8596 8858 7101 5513 4577 6587 Int., divid., rent. inc., property inc... 1913 128 123 357 707 1205 1719 2298 2219 7272 Unemp. and workers' compen., vet. ben.... 274 50 188 192 258 327 390 470 247 136 Pub. ass., supp. sec. inc., foodstamps... 236 737 1303 355 148 45 134 53 23 49 Regular contributions for support........ 182 118 120 183 157 218 202 199 176 183 Other income............................. 103 56 101 118 97 75 114 74 133 139 Personal taxes 1/......................... 3625 727 -84 226 781 1977 2942 3549 6543 14022 Federal income taxes..................... 2765 453 -145 103 537 1423 2252 2632 5055 11040 State and local income taxes............. 678 126 -2 40 131 374 534 745 1260 2541 Other taxes.............................. 182 148 63 84 113 180 155 172 228 442 Income after taxes 1/..................... 32827 -79 7754 12324 16665 22863 31545 40996 51926 88525 Net change in total assets and liabilities -43 -3641 231 -654 -1530 725 414 -668 -3588 5296 Net change in total assets............... 3571 -1705 548 -19 -276 1772 2827 2733 6523 16219 Net change in total liabilities.......... 3613 1936 317 635 1254 1047 2413 3400 10112 10923 Other money receipts...................... 475 72 31 156 154 387 251 204 1202 1452 Mortgage principal paid, owned property... -713 -372 -132 -333 -264 -349 -535 -872 -1287 -2148 Estimated market value of owned home...... 77223 42403 35956 54538 55590 62064 67932 83047 100984 168714 Est. monthly rental value of owned home... 473 247 238 351 373 395 423 512 635 920 Gifts of goods and services............... 1198 607 592 454 503 861 1065 1318 1956 3181 Food.................................... 100 140 27 27 35 56 93 96 218 254 Housing................................. 323 249 154 120 146 232 290 364 485 869 Housekeeping supplies................. 48 10 24 23 36 41 56 69 64 87 Household textiles.................... 20 0 4 5 6 17 21 34 31 60 Appliances and misc. housewares....... 43 5 14 14 20 32 33 61 62 131 Major appliances.................... 9 0 4 3 4 15 4 14 11 14 Small appl. and misc. housewares.... 34 5 10 11 16 16 29 46 51 117 Miscellaneous household equipment..... 85 60 23 36 42 74 96 136 140 140 Other housing......................... 127 174 90 42 42 69 84 65 188 451 Apparel and services.................... 334 113 127 177 168 331 305 424 471 746 Males 2 and over...................... 108 24 56 89 58 111 66 154 161 212 Females 2 and over.................... 130 25 45 31 59 141 138 154 187 319 Children under 2...................... 39 35 15 21 25 27 40 50 59 73 Other apparel products and services... 57 29 10 36 26 52 61 67 64 141 Jewelry and watches................. 25 6 4 9 9 18 30 31 31 70 All other apparel products and serv. 32 23 7 27 17 34 30 35 33 71 Transportation.......................... 72 8 5 18 13 20 48 61 264 182 Health care............................. 24 18 7 14 7 15 33 30 30 61 Entertainment........................... 87 35 29 39 46 75 94 97 139 184 Toys, games, hobbies, and tricycles... 39 13 11 18 24 34 48 49 63 66 Other entertainment................... 48 22 18 21 22 42 46 48 77 118 Education............................... 115 3 15 7 3 44 72 97 164 575 All other gifts......................... 142 41 226 52 84 89 132 149 185 311 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary