Table 2. Midwestern region by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 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)... 20,895 1,138 2,614 2,276 1,894 3,235 2,814 2,037 2,758 2,126 Income before taxes 1/.................... $34,950 $2,459 $7,443 $12,403 $17,274 $24,554 $34,574 $44,405 $58,343 $102,969 Income after taxes 1/..................... 32,169 2,532 7,293 12,019 16,694 23,367 32,179 40,701 53,057 92,091 Age of reference person................... 47.8 40.3 53.4 54.9 52.9 48.5 43.4 45.1 43.4 46 Average number in consumer unit:.......... Persons.................................. 2.5 1.7 1.7 2 2.1 2.3 2.7 2.9 3.2 3.2 Children under 18........................ 0.7 0.4 0.4 0.5 0.5 0.6 0.8 0.8 1 0.8 Persons 65 and over...................... 0.3 0.2 0.5 0.6 0.6 0.4 0.2 0.2 0.1 0.1 Earners.................................. 1.4 0.8 0.5 0.7 1 1.2 1.6 1.8 2.2 2.3 Vehicles................................. 2.1 1 1 1.4 1.7 2 2.5 2.9 2.9 3.2 Percent distribution: Male..................................... 64 49 36 48 55 65 71 82 82 82 Female................................... 36 51 64 52 45 35 29 18 18 18 Percent homeowner........................ 66 33 36 54 61 66 70 78 87 93 With mortgage........................... 38 14 5 13 18 32 45 58 70 77 Without mortgage........................ 28 19 31 41 42 33 25 21 17 16 Renter................................... 34 67 64 46 39 34 30 22 13 7 Black.................................... 10 14 20 13 12 10 6 6 4 5 White and other.......................... 90 86 80 87 88 90 94 94 96 95 Elementary (1-8)......................... 8 11 21 14 11 6 4 3 2 1 High school (9-12)....................... 46 39 50 53 55 54 47 44 40 25 College.................................. 46 50 29 33 34 40 50 53 58 74 Never attended and other................. 0 0 0 0 0 0 0 0 0 0 At least one vehicle owned............... 88 63 65 81 90 95 95 97 97 97 Average annual expenditures............... $32,041 $14,894 $14,036 $18,284 $22,545 $26,725 $32,193 $38,512 $47,387 $68,358 Food..................................... 4,392 2,727 2,349 2,879 3,544 3,975 4,439 5,180 6,232 7,652 Food at home............................ 2,665 1,818 1,606 2,067 2,363 2,542 2,707 3,185 3,456 3,948 Cereals and bakery products............ 424 292 261 308 419 396 421 501 548 635 Cereals and cereal products........... 159 116 94 122 150 152 143 196 211 233 Bakery products....................... 265 176 167 186 268 244 278 305 338 402 Meats, poultry, fish, and eggs......... 665 518 456 625 639 640 691 744 737 891 Beef.................................. 213 137 126 189 189 195 259 246 245 309 Pork.................................. 145 120 119 143 142 145 133 152 156 182 Other meats........................... 101 79 62 79 113 102 105 118 117 123 Poultry............................... 116 108 78 119 99 108 115 136 118 167 Fish and seafood...................... 65 55 49 69 60 67 57 66 73 84 Eggs.................................. 25 19 21 25 37 23 23 26 27 26 Dairy products......................... 286 216 156 211 232 266 298 343 399 436 Fresh milk and cream.................. 125 99 78 93 102 128 133 162 169 153 Other dairy products.................. 161 117 78 118 130 137 166 181 230 282 Fruits and vegetables.................. 415 256 259 335 368 384 403 496 543 634 Fresh fruits.......................... 128 76 84 101 116 124 116 144 155 215 Fresh vegetables...................... 115 67 69 101 106 104 114 142 128 191 Processed fruits...................... 95 67 63 72 85 78 94 111 140 138 Processed vegetables.................. 77 47 43 61 60 78 79 100 120 90 Other food at home..................... 875 536 474 589 706 856 894 1,102 1,229 1,352 Sugar and other sweets................ 117 75 65 83 103 114 113 135 166 177 Fats and oils......................... 73 49 48 62 68 67 64 98 91 108 Miscellaneous foods................... 387 233 199 238 311 374 418 486 546 614 Nonalcoholic beverages................ 252 161 148 178 200 257 257 306 352 363 Food prep. by cu, out-of-town trips... 47 17 15 27 24 44 42 76 73 91 Food away from home..................... 1,726 909 743 811 1,181 1,432 1,732 1,995 2,776 3,703 Alcoholic beverages...................... 268 118 164 128 192 230 340 350 349 494 Housing.................................. 9,381 5,139 5,053 5,883 6,837 8,091 9,454 10,882 12,999 18,707 Shelter................................. 4,939 2,407 2,364 3,028 3,593 4,110 4,932 5,624 7,119 10,495 Owned dwellings........................ 3,249 1,029 669 1,327 1,846 2,288 3,075 3,887 5,737 8,770 Mortgage interest and charges......... 1,725 461 148 343 629 939 1,718 2,188 3,449 5,326 Property taxes........................ 902 311 300 562 643 740 827 994 1,402 2,162 Maintenance, rep., ins., oth. exp..... 622 256 221 423 575 609 530 705 887 1,282 Rented dwellings....................... 1,321 1,192 1,559 1,553 1,466 1,572 1,592 1,303 871 578 Other lodging.......................... 370 187 137 148 281 250 265 434 511 1,146 Utilities, fuels, and public services... 2,113 1,244 1,385 1,752 2,005 2,026 2,173 2,430 2,583 3,097 Natural gas............................ 407 219 279 360 415 372 429 476 476 571 Electricity............................ 728 409 466 590 691 722 746 834 902 1,061 Fuel oil and other fuels............... 83 57 57 116 65 103 79 90 84 78 Telephone.............................. 678 459 464 516 636 646 701 778 812 1,016 Water and other public services........ 218 100 120 169 197 183 218 253 308 372 Household operations.................... 420 493 189 195 266 337 393 449 567 985 Personal services...................... 241 378 92 60 129 194 251 296 340 518 Other household expenses............... 179 114 96 134 136 143 142 153 227 467 Housekeeping supplies................... 430 284 197 257 281 415 422 554 593 809 Laundry and cleaning supplies.......... 123 134 60 80 96 117 130 154 151 195 Other household products............... 184 75 86 97 116 187 162 218 274 381 Postage and stationery................. 124 75 51 80 69 111 131 182 168 233 Household furnishings and equipment..... 1,479 711 918 652 692 1,202 1,535 1,825 2,138 3,321 Household textiles..................... 115 160 105 29 45 91 101 178 161 212 Furniture.............................. 316 86 122 152 196 257 370 437 466 671 Floor coverings........................ 187 6 380 38 46 173 115 184 96 510 Major appliances....................... 156 81 67 96 87 147 168 149 250 316 Small appliances, misc. housewares..... 93 68 41 33 58 67 112 115 142 206 Miscellaneous household equipment...... 611 310 203 305 260 467 668 762 1,022 1,406 Apparel and services..................... 1,727 976 720 972 1,097 1,581 1,653 1,923 2,181 4,155 Men and boys............................ 442 187 136 216 284 397 447 397 564 1,234 Men, 16 and over....................... 339 156 82 141 215 294 356 323 444 972 Boys, 2 to 15.......................... 103 31 53 75 69 103 91 74 120 262 Women and girls......................... 686 399 245 356 343 699 615 838 884 1,635 Women, 16 and over..................... 575 347 212 268 302 577 484 711 747 1,406 Girls, 2 to 15......................... 112 52 33 88 41 121 131 127 137 229 Children under 2........................ 82 62 47 51 33 80 118 95 127 114 Footwear................................ 275 185 190 235 250 209 254 391 314 449 Other apparel products and services..... 242 142 102 114 187 196 218 202 292 724 Transportation........................... 6,249 1,935 1,827 3,202 4,541 5,223 6,431 8,064 10,340 13,062 Vehicle purchases (net outlay).......... 2,963 705 580 1,449 2,230 2,464 2,912 3,833 5,200 6,462 Cars and trucks, new................... 1,297 165 117 694 927 754 1,101 2,111 2,574 2,976 Cars and trucks, used.................. 1,615 540 462 755 1,263 1,710 1,776 1,643 2,448 3,379 Other vehicles......................... 51 0 0 0 41 0 35 79 178 107 Gasoline and motor oil.................. 1,009 454 467 621 719 915 1,129 1,324 1,480 1,714 Other vehicle expenses.................. 1,959 647 659 967 1,340 1,647 2,091 2,532 3,225 3,994 Vehicle finance charges................ 274 55 60 90 150 228 325 391 537 508 Maintenance and repairs................ 636 267 244 369 448 540 690 884 980 1,168 Vehicle insurance...................... 663 228 243 379 528 587 694 870 1,063 1,191 Veh. rent., leas., licen., oth. chges.. 387 98 111 129 214 292 382 387 645 1,127 Public transportation................... 318 129 122 165 251 197 298 374 435 892 Health care.............................. 1,758 847 1,204 1,705 1,876 1,798 1,629 1,883 2,018 2,510 Health insurance........................ 870 344 652 912 1,002 947 831 859 882 1,185 Medical services........................ 478 264 203 367 444 416 456 611 722 758 Drugs................................... 317 203 307 361 357 347 260 301 288 381 Medical supplies........................ 93 36 42 66 73 88 83 111 127 186 Entertainment............................ 1,624 920 769 832 853 1,233 1,737 1,993 2,461 3,639 Fees and admissions..................... 418 213 126 131 182 272 424 493 640 1,255 Television, radios, sound equipment..... 569 430 372 345 415 458 602 682 800 981 Pets, toys, and playground equipment.... 316 138 125 124 155 255 436 389 509 648 Other supplies, equip., and services.... 321 139 146 231 100 247 275 429 512 755 Personal care products and services...... 391 297 209 245 291 342 408 470 596 644 Reading.................................. 173 66 75 108 127 158 187 211 244 337 Education................................ 486 934 374 212 313 231 265 424 628 1,393 Tobacco products and smoking supplies.... 301 203 196 232 269 331 363 328 366 348 Miscellaneous............................ 839 382 467 699 776 653 1,019 917 1,100 1,418 Cash contributions....................... 1,034 142 354 450 733 893 943 1,130 1,486 2,898 Personal insurance and pensions.......... 3,418 207 276 737 1,098 1,987 3,325 4,757 6,386 11,100 Life and other personal insurance....... 418 92 110 303 283 294 345 556 598 1,137 Pensions and Social Security............ 2,999 114 166 434 815 1,693 2,980 4,201 5,788 9,963 Money income before taxes 1/.............. 34,950 2,459 7,443 12,403 17,274 24,554 34,574 44,405 58,343 102,969 Wages and salaries....................... 27,121 1,128 1,778 4,204 8,673 15,965 28,284 37,873 52,633 85,202 Self-employment income................... 1,679 (191) 44 369 155 609 884 1,746 1,562 10,221 Soc. Sec., priv. and gov. retirement..... 4,323 676 3,733 6,013 6,829 6,315 3,817 3,608 2,125 4,134 Int., divid., rent. inc., property inc... 758 30 179 261 496 591 736 600 1,235 2,440 Unemp. and workers' compen., vet. ben.... 249 50 65 124 287 506 301 176 306 223 Pub. ass., supp. sec. inc., foodstamps... 358 511 1,213 917 334 158 105 20 47 14 Regular contributions for support........ 305 177 330 360 346 289 325 246 188 456 Other income............................. 157 77 100 154 154 123 121 135 247 280 Personal taxes 1/......................... 2,781 (73) 150 384 580 1,187 2,394 3,703 5,286 10,878 Federal income taxes..................... 1,893 (103) 51 166 206 668 1,577 2,470 3,593 8,106 State and local income taxes............. 666 (13) 22 115 177 314 624 907 1,344 2,329 Other taxes.............................. 222 42 78 104 197 205 193 327 350 444 Income after taxes 1/..................... 32,169 2,532 7,293 12,019 16,694 23,367 32,179 40,701 53,057 92,091 Net change in total assets and liabilities (769) (3,061) (326) 509 (155) (700) (225) (574) (3,904) 1,056 Net change in total assets............... 3,013 164 (179) 1,362 1,307 1,936 5,218 1,521 5,811 8,273 Net change in total liabilities.......... 3,782 3,226 147 853 1,463 2,636 5,443 2,096 9,716 7,217 Other money receipts...................... 614 142 192 212 347 598 504 1,594 928 881 Mortgage principal paid, owned property... (983) (221) (85) (333) (402) (445) (907) (1,621) (1,768) (2,997) Estimated market value of owned home...... 57,744 20,740 21,866 34,380 41,072 46,328 53,873 66,175 85,920 139,406 Est. monthly rental value of owned home... 434 236 182 277 328 351 407 484 669 917 Gifts of goods and services............... 1,107 640 511 543 780 800 982 1,127 1,569 3,029 Food.................................... 89 11 34 16 39 51 90 59 175 308 Housing................................. 287 210 180 130 191 166 286 326 365 773 Housekeeping supplies................. 45 24 20 23 22 38 51 49 65 101 Household textiles.................... 19 18 62 2 6 13 13 8 13 32 Appliances and misc. housewares....... 31 47 6 9 16 19 57 26 42 78 Major appliances.................... 6 0 1 2 0 10 4 4 8 21 Small appl. and misc. housewares.... 25 47 5 7 15 9 53 22 33 57 Miscellaneous household equipment..... 84 50 20 47 60 42 72 86 132 252 Other housing......................... 109 71 72 50 87 52 94 157 113 310 Apparel and services.................... 264 99 76 111 109 263 308 252 383 675 Males 2 and over...................... 76 49 21 30 31 80 110 65 85 193 Females 2 and over.................... 106 12 21 40 26 92 97 110 193 315 Children under 2...................... 38 14 18 20 21 31 44 40 62 77 Other apparel products and services... 44 24 16 21 32 61 57 37 43 90 Jewelry and watches................. 22 20 3 4 18 37 18 20 23 48 All other apparel products and serv. 22 4 13 17 13 24 39 16 20 42 Transportation.......................... 64 15 14 17 24 109 32 77 91 169 Health care............................. 36 6 12 80 52 22 11 20 54 70 Entertainment........................... 97 211 30 66 66 57 84 117 137 190 Toys, games, hobbies, and tricycles... 36 8 16 15 25 25 44 62 57 65 Other entertainment................... 61 203 14 51 41 32 40 55 81 125 Education............................... 118 5 31 33 91 56 19 70 147 634 All other gifts......................... 151 82 134 90 207 76 152 205 218 209 __________________________________________ 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. 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.