Table 4. Consumer units with reference person age 45-54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1992-93 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)... 13403 559 853 876 946 1730 1740 1505 2494 2700 Income before taxes 1/.................... 47683 444 7289 12445 17212 24746 34713 44501 59072 106629 Income after taxes 1/..................... 42843 -751 7137 12108 16079 22147 31591 40830 53399 94370 Age of reference person................... 49 49.3 49.4 49.3 49.1 49 48.7 49 49.1 48.9 Average number in consumer unit:.......... Persons.................................. 2.7 2.2 2.3 2.5 2.3 2.6 2.6 2.9 3 3.1 Children under 18........................ 0.6 0.5 0.6 0.7 0.5 0.6 0.6 0.6 0.6 0.6 Persons 65 and over...................... 0 0 0 0 0 0 0 0 0 0 Earners.................................. 1.9 0.9 0.9 1.2 1.4 1.7 1.9 2.1 2.3 2.4 Vehicles................................. 2.5 1.2 1 1.5 1.8 2.2 2.5 2.9 3.1 3.3 Percent distribution: Male..................................... 68 57 41 53 47 60 61 76 82 83 Female................................... 32 43 59 47 53 40 39 24 18 17 Percent homeowner........................ 74 48 37 44 60 69 76 82 85 94 With mortgage........................... 56 28 20 24 40 46 56 60 68 83 Without mortgage........................ 18 20 17 20 20 24 19 22 17 11 Renter................................... 26 52 63 56 40 31 24 18 15 6 Black.................................... 11 23 26 20 11 10 10 7 7 6 White and other.......................... 89 77 74 80 89 90 90 93 93 94 Elementary (1-8)......................... 7 19 21 20 14 7 3 2 4 1 High school (9-12)....................... 41 45 53 51 53 52 49 44 38 20 College.................................. 51 36 26 28 33 40 48 53 58 79 Never attended and other................. 0 0 0 1 0 1 0 0 0 0 At least one vehicle owned............... 92 69 65 84 88 95 96 98 97 97 Average annual expenditures............... 40482 15876 13867 17923 22794 27317 32816 41283 47264 73849 Food..................................... 5495 2120 2688 3150 4064 4033 4772 6077 6485 8362 Food at home............................ 3197 1642 2137 2109 2760 2498 2877 3544 3816 4188 Cereals and bakery products............ 502 237 322 302 433 389 462 539 618 666 Cereals and cereal products........... 172 97 121 106 150 146 148 188 217 213 Bakery products....................... 330 141 201 196 283 242 314 351 401 453 Meats, poultry, fish, and eggs......... 840 485 678 664 749 687 742 944 954 1031 Beef.................................. 261 119 172 183 266 234 230 315 286 317 Pork.................................. 183 137 167 176 174 136 154 233 214 191 Other meats........................... 116 52 89 84 126 87 104 119 148 140 Poultry............................... 149 84 134 109 104 138 126 159 173 191 Fish and seafood...................... 95 68 90 74 46 58 100 82 103 147 Eggs.................................. 35 25 27 38 33 33 28 36 31 45 Dairy products......................... 349 178 222 255 368 288 316 410 391 422 Fresh milk and cream.................. 146 78 111 135 191 144 121 171 148 152 Other dairy products.................. 203 100 111 120 177 144 195 239 243 270 Fruits and vegetables.................. 509 305 335 313 381 388 453 532 631 701 Fresh fruits.......................... 153 94 101 88 98 120 137 153 197 212 Fresh vegetables...................... 158 95 94 95 125 130 132 163 185 227 Processed fruits...................... 110 75 63 65 84 76 100 117 140 152 Processed vegetables.................. 89 41 78 65 75 63 83 99 108 110 Other food at home..................... 997 436 580 575 829 746 904 1119 1222 1367 Sugar and other sweets................ 117 45 80 70 107 102 98 132 155 139 Fats and oils......................... 91 53 74 61 69 72 89 109 114 101 Miscellaneous foods................... 451 161 254 237 403 307 401 530 550 634 Nonalcoholic beverages................ 278 165 167 190 220 218 276 296 338 358 Food prep. by cu, out-of-town trips... 61 13 5 17 30 47 40 53 66 136 Food away from home..................... 2298 479 552 1041 1304 1535 1896 2532 2669 4174 Alcoholic beverages...................... 326 109 47 169 169 222 256 355 379 600 Housing.................................. 11595 6237 5567 6526 7324 8390 9126 11371 12285 20828 Shelter................................. 6581 3991 3064 3883 3901 4504 5230 6319 6954 12046 Owned dwellings........................ 4642 2136 1152 1676 1882 2641 3475 4441 5133 9886 Mortgage interest and charges......... 2851 1250 640 995 1097 1445 2137 2541 3061 6437 Property taxes........................ 1074 562 353 325 466 687 835 1031 1231 2146 Maintenance, rep., ins., oth. exp..... 717 324 160 356 319 508 503 869 841 1303 Rented dwellings....................... 1338 1767 1786 2152 1868 1571 1454 1346 1154 599 Other lodging.......................... 601 87 126 55 151 292 301 532 667 1561 Utilities, fuels, and public services... 2446 1522 1675 1728 1960 2147 2217 2494 2687 3372 Natural gas............................ 308 218 241 199 262 248 252 322 333 442 Electricity............................ 980 586 673 710 776 853 914 977 1095 1336 Fuel oil and other fuels............... 104 52 54 71 51 84 114 143 130 120 Telephone.............................. 762 526 531 580 651 714 685 758 793 1033 Water and other public services........ 293 140 176 168 220 248 252 293 336 442 Household operations.................... 388 159 136 99 143 239 216 337 328 983 Personal services...................... 89 30 38 31 70 99 45 82 77 179 Other household expenses............... 299 130 97 68 72 140 171 256 251 804 Housekeeping supplies................... 577 185 294 296 497 420 435 618 625 972 Laundry and cleaning supplies.......... 153 61 112 107 117 160 126 171 186 185 Other household products............... 278 91 137 123 304 177 179 298 270 513 Postage and stationery................. 146 33 45 66 76 83 130 150 169 274 Household furnishings and equipment..... 1604 379 398 520 824 1080 1027 1602 1691 3454 Household textiles..................... 140 20 10 25 51 91 70 141 134 353 Furniture.............................. 377 84 107 152 175 280 237 318 407 826 Floor coverings........................ 85 40 4 42 63 19 47 216 152 63 Major appliances....................... 169 28 80 126 148 173 120 129 203 265 Small appliances, misc. housewares..... 111 40 28 40 117 51 74 131 116 213 Miscellaneous household equipment...... 721 166 169 135 270 467 479 666 679 1734 Apparel and services..................... 2226 704 853 893 1397 1456 1749 2409 2395 4167 Men and boys............................ 597 114 119 174 483 335 543 843 619 1024 Men, 16 and over....................... 507 109 88 155 282 261 395 779 540 917 Boys, 2 to 15.......................... 90 5 32 19 201 75 148 64 79 107 Women and girls......................... 903 260 395 384 422 606 662 844 1001 1810 Women, 16 and over..................... 796 240 334 315 346 517 597 747 880 1617 Girls, 2 to 15......................... 107 20 61 69 76 89 65 97 121 193 Children under 2........................ 58 33 57 21 35 76 50 47 65 81 Footwear................................ 302 114 195 154 307 238 245 385 290 447 Other apparel products and services..... 365 184 86 160 149 201 249 290 421 805 Transportation........................... 7279 2827 1675 3007 3635 5334 6592 7230 9191 12583 Vehicle purchases (net outlay).......... 2998 590 431 1076 1340 2164 2868 2959 4060 5169 Cars and trucks, new................... 1555 0 169 112 401 598 1089 1626 2080 3574 Cars and trucks, used.................. 1379 590 261 958 932 1567 1707 1280 1896 1436 Other vehicles......................... 64 0 0 7 7 0 71 53 84 159 Gasoline and motor oil.................. 1289 659 534 798 892 1156 1156 1396 1517 1855 Other vehicle expenses.................. 2582 1397 623 996 1257 1802 2312 2495 3155 4619 Vehicle finance charges................ 353 85 69 139 168 230 333 378 548 530 Maintenance and repairs................ 836 391 246 374 446 640 820 781 943 1467 Vehicle insurance...................... 938 394 224 333 428 688 790 1020 1200 1620 Veh. rent., leas., licen., oth. chges.. 455 527 84 151 214 244 369 316 464 1002 Public transportation................... 411 181 88 136 147 212 257 380 459 941 Health care.............................. 1730 724 779 676 1335 1426 1607 2000 2002 2592 Health insurance........................ 700 347 219 253 517 575 734 824 820 1013 Medical services........................ 611 180 297 182 468 488 518 727 715 969 Drugs................................... 292 146 155 180 282 284 240 301 327 406 Medical supplies........................ 127 51 107 61 69 80 116 147 140 204 Entertainment............................ 2100 1170 682 811 1007 1197 1583 2302 2420 4025 Fees and admissions..................... 564 179 114 70 155 233 342 579 599 1402 Television, radios, sound equipment..... 637 267 290 362 371 421 657 675 739 1010 Pets, toys, and playground equipment.... 385 141 224 195 216 289 331 398 489 594 Other supplies, equip., and services.... 514 583 54 183 265 253 253 649 593 1019 Personal care products and services...... 489 200 198 176 332 383 461 497 572 796 Reading.................................. 217 91 71 139 107 123 191 226 261 385 Education................................ 942 385 142 262 322 443 548 557 1067 2420 Tobacco products and smoking supplies.... 370 302 337 401 329 439 439 383 421 256 Miscellaneous............................ 993 362 252 564 834 813 660 1127 1168 1641 Cash contributions....................... 1457 300 138 243 389 366 830 1562 1820 3589 Personal insurance and pensions.......... 5263 345 439 907 1550 2691 4001 5186 6798 11604 Life and other personal insurance....... 654 147 91 165 184 404 527 548 627 1587 Pensions and Social Security............ 4609 198 348 742 1366 2287 3474 4638 6171 10017 Money income before taxes 1/.............. 47683 444 7289 12445 17212 24746 34713 44501 59072 106629 Wages and salaries....................... 39884 1224 2691 7641 12556 20460 30455 37847 52243 87902 Self-employment income................... 4335 -2344 524 622 965 1294 1774 3652 4198 13412 Soc. Sec., priv. and gov. retirement..... 1262 238 1525 1379 2020 1159 739 958 1194 1720 Int., divid., rent. inc., property inc... 891 104 213 109 366 336 561 834 668 2511 Unemp. and workers' compen., vet. ben.... 401 210 183 508 395 520 348 706 187 464 Pub. ass., supp. sec. inc., foodstamps... 479 705 1950 1976 523 521 316 105 121 82 Regular contributions for support........ 302 193 160 88 240 343 369 350 365 307 Other income............................. 130 115 43 122 146 113 152 51 94 232 Personal taxes 1/......................... 4840 1196 151 337 1133 2600 3122 3671 5674 12259 Federal income taxes..................... 3675 983 -77 208 879 2066 2286 2663 4199 9529 State and local income taxes............. 968 111 29 89 219 446 642 843 1211 2380 Other taxes.............................. 197 102 200 40 35 88 194 165 264 350 Income after taxes 1/..................... 42843 -751 7137 12108 16079 22147 31591 40830 53399 94370 Net change in total assets and liabilities -3095 -9604 1768 4607 1097 -1989 -3314 -9494 -4878 -2606 Net change in total assets............... 4142 -6226 1210 4664 3275 1660 1550 2335 1784 13795 Net change in total liabilities.......... 7238 3378 -557 58 2178 3649 4864 11829 6663 16401 Other money receipts...................... 569 54 80 142 467 190 206 1199 627 1076 Mortgage principal paid, owned property... -1364 -409 -233 -417 -517 -628 -912 -1471 -1573 -3034 Estimated market value of owned home...... 88827 48449 27948 27538 39140 54054 61860 83438 95773 189941 Est. monthly rental value of owned home... 552 290 206 196 337 392 444 518 630 1024 Gifts of goods and services............... 1844 478 413 531 866 1397 1214 1311 2360 3832 Food.................................... 192 37 27 22 24 79 128 124 303 438 Housing................................. 439 111 161 88 186 320 246 364 635 853 Housekeeping supplies................. 56 15 7 23 28 34 37 56 81 101 Household textiles.................... 15 6 3 2 4 8 0 25 9 40 Appliances and misc. housewares....... 40 25 7 7 90 26 22 50 48 52 Major appliances.................... 11 17 0 4 6 18 8 7 20 10 Small appl. and misc. housewares.... 29 8 7 3 84 8 14 42 28 42 Miscellaneous household equipment..... 87 25 19 30 34 52 77 86 104 171 Other housing......................... 242 40 127 26 31 201 109 146 393 489 Apparel and services.................... 352 60 131 174 262 334 404 353 331 553 Males 2 and over...................... 110 29 20 36 91 74 205 135 82 156 Females 2 and over.................... 125 6 49 33 101 130 93 133 102 241 Children under 2...................... 47 23 45 19 12 50 46 39 51 73 Other apparel products and services... 69 2 18 86 59 80 60 47 95 82 Jewelry and watches................. 36 2 2 14 17 37 21 15 79 47 All other apparel products and serv. 34 1 16 71 43 42 40 32 17 35 Transportation.......................... 86 12 9 37 12 160 47 55 118 133 Health care............................. 60 26 0 9 46 19 27 41 150 85 Entertainment........................... 125 43 29 140 85 83 93 94 189 186 Toys, games, hobbies, and tricycles... 36 29 13 15 42 31 32 42 56 35 Other entertainment................... 89 13 16 125 43 52 61 52 133 151 Education............................... 423 66 40 3 83 275 183 146 405 1296 All other gifts......................... 166 124 15 58 168 127 86 135 229 289 __________________________________________ 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. This is particularly evident in the characteristics section. 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.