Table 3. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995 - 1996 __________________________________________________________________________________________________________________________________________________________________________________________________________________ | | Complete reporting of income |_____________________________________________________________________________________________________________________________________________________ Item | | | | | | | | | | |Total complete| Less than | $5,000 to | $10,000 to | $15,000 to | $20,000 to | $30,000 to | $40,000 to | $50,000 to | $70,000 and | reporting | $5,000 | $9,999 | $14,999 | $19,999 | $29,999 | $39,999 | $49,999 | $69,999 | over ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | | | Number of consumer units (in thousands).....................| 25,692| 853| 1,902| 2,561| 2,937| 4,434| 3,174| 2,683| 3,387| 3,762 Income before taxes 1/......................................| $40,337| $715| $7,519| $12,555| $17,369| $24,541| $34,692| $44,460| $58,657| $106,709 Income after taxes 1/.......................................| 36,916| 179| 7,214| 12,206| 16,887| 23,374| 32,501| 41,235| 52,992| 94,857 Age of reference person.....................................| 53.3| 49.0| 54.8| 60.3| 60.5| 56.9| 52.2| 49.5| 47.0| 48.0 Average number in consumer unit: | | | | | | | | | | Persons....................................................| 2.0| 2.0| 2.0| 2.0| 2.0| 2.0| 2.0| 2.0| 2.0| 2.0 Children under 18..........................................| 0.1| 0.2| 0.3| 0.1| 0.1| 0.1| 0.1| 0.0| 0.0| 0.0 Persons 65 and over........................................| 0.6| 0.4| 0.6| 0.9| 1.0| 0.8| 0.5| 0.4| 0.2| 0.2 Earners....................................................| 1.2| 0.9| 0.6| 0.6| 0.8| 1.0| 1.3| 1.5| 1.7| 1.8 Vehicles...................................................| 2.1| 1.6| 1.3| 1.6| 1.8| 2.0| 2.3| 2.6| 2.6| 2.5 Percent distribution: | | | | | | | | | | Male.......................................................| 69| 57| 44| 62| 69| 69| 71| 74| 75| 77 Female.....................................................| 31| 43| 56| 38| 31| 31| 29| 26| 25| 23 Percent homeowner..........................................| 74| 51| 54| 66| 74| 76| 74| 77| 80| 86 With mortgage.............................................| 36| 14| 15| 17| 23| 26| 32| 48| 57| 64 Without mortgage..........................................| 38| 37| 39| 49| 52| 50| 42| 29| 23| 22 Renter.....................................................| 26| 49| 46| 34| 26| 24| 26| 23| 20| 14 Black......................................................| 9| 16| 20| 12| 8| 10| 6| 6| 5| 5 White and other............................................| 91| 84| 80| 88| 92| 90| 94| 94| 95| 95 Elementary (1-8)...........................................| 9| 12| 27| 18| 15| 10| 4| 3| 2| 1 High school (9-12).........................................| 42| 51| 48| 55| 52| 53| 41| 40| 34| 18 College....................................................| 49| 36| 24| 26| 33| 37| 55| 57| 64| 81 Never attended and other...................................| 0| 2| 1| 1| 0| 0| 0| 0| 0| 0 At least one vehicle owned.................................| 92| 74| 73| 85| 91| 93| 96| 98| 98| 96 Average annual expenditures.................................| $36,581| $19,664| $17,176| $20,124| $24,584| $27,825| $33,864| $40,114| $47,296| $70,774 Food.......................................................| 4,777| 2,811| 2,699| 3,225| 3,895| 4,178| 4,871| 5,202| 5,503| 7,504 Food at home..............................................| 2,811| 2,021| 2,092| 2,360| 2,672| 2,602| 2,897| 2,983| 3,040| 3,558 Cereals and bakery products..............................| 437| 350| 329| 358| 428| 407| 456| 447| 482| 534 Cereals and cereal products.............................| 153| 126| 128| 136| 148| 151| 150| 157| 163| 175 Bakery products.........................................| 284| 223| 201| 222| 280| 256| 306| 289| 319| 359 Meats, poultry, fish, and eggs...........................| 708| 539| 573| 648| 729| 652| 708| 782| 712| 845 Beef....................................................| 203| 131| 182| 177| 202| 196| 170| 263| 226| 224 Pork....................................................| 146| 112| 128| 137| 189| 138| 169| 142| 138| 136 Other meats.............................................| 95| 79| 63| 91| 95| 84| 101| 93| 94| 124 Poultry.................................................| 136| 93| 100| 121| 129| 123| 148| 156| 137| 168 Fish and seafood........................................| 96| 97| 67| 88| 81| 78| 86| 98| 92| 159 Eggs....................................................| 32| 27| 32| 34| 32| 33| 33| 30| 26| 34 Dairy products...........................................| 300| 236| 221| 227| 286| 276| 331| 306| 326| 381 Fresh milk and cream....................................| 115| 116| 110| 105| 120| 119| 120| 115| 111| 115 Other dairy products....................................| 185| 120| 112| 122| 166| 157| 211| 191| 214| 266 Fruits and vegetables....................................| 499| 334| 343| 432| 472| 490| 501| 494| 528| 653 Fresh fruits............................................| 159| 105| 102| 138| 152| 152| 169| 149| 162| 214 Fresh vegetables........................................| 151| 104| 104| 131| 140| 148| 149| 144| 150| 214 Processed fruits........................................| 106| 84| 73| 87| 98| 106| 101| 111| 118| 133 Processed vegetables....................................| 84| 41| 63| 76| 83| 84| 82| 90| 98| 93 Other food at home.......................................| 867| 562| 627| 695| 757| 778| 902| 954| 992| 1,145 Sugar and other sweets..................................| 120| 60| 94| 118| 103| 127| 119| 126| 128| 142 Fats and oils...........................................| 83| 63| 73| 86| 86| 78| 84| 84| 90| 89 Miscellaneous foods.....................................| 365| 219| 238| 282| 312| 311| 385| 415| 446| 484 Nonalcoholic beverages..................................| 239| 176| 207| 179| 228| 216| 243| 274| 255| 306 Food prepared by consumer unit on out-of-town trips.....| 59| 45| 16| 31| 28| 46| 71| 55| 72| 125 Food away from home.......................................| 1,966| 790| 607| 865| 1,223| 1,577| 1,974| 2,219| 2,462| 3,947 Alcoholic beverages........................................| 391| 196| 131| 159| 170| 222| 344| 496| 517| 929 Housing....................................................| 11,026| 6,905| 5,983| 6,641| 7,597| 8,538| 9,938| 10,996| 14,410| 20,911 Shelter...................................................| 5,894| 3,914| 3,240| 3,320| 3,755| 4,189| 5,221| 5,949| 7,561| 12,147 Owned dwellings..........................................| 3,911| 1,674| 1,508| 1,731| 2,103| 2,468| 3,217| 4,007| 5,403| 9,403 Mortgage interest and charges...........................| 1,904| 469| 409| 396| 608| 807| 1,360| 2,051| 3,098| 5,599 Property taxes..........................................| 1,097| 756| 558| 667| 824| 862| 936| 984| 1,283| 2,277 Maintenance, repairs, insurance, other expenses.........| 910| 449| 541| 668| 671| 800| 920| 972| 1,021| 1,528 Rented dwellings.........................................| 1,469| 1,874| 1,632| 1,422| 1,350| 1,394| 1,523| 1,485| 1,577| 1,356 Other lodging............................................| 514| 366| 99| 167| 302| 327| 481| 458| 581| 1,388 Utilities, fuels, and public services.....................| 2,354| 1,893| 1,741| 1,966| 2,168| 2,225| 2,335| 2,373| 2,557| 3,145 Natural gas..............................................| 290| 236| 208| 247| 273| 281| 267| 282| 295| 416 Electricity..............................................| 913| 741| 704| 821| 862| 894| 915| 901| 987| 1,125 Fuel oil and other fuels.................................| 114| 61| 105| 99| 129| 123| 118| 105| 111| 126 Telephone services.......................................| 755| 651| 531| 585| 632| 669| 777| 780| 863| 1,072 Water and other public services..........................| 281| 205| 193| 214| 272| 258| 258| 305| 301| 405 Household operations......................................| 432| 213| 191| 297| 312| 322| 506| 393| 339| 965 Personal services........................................| 104| 26| 42| 135| 114| 97| 236| 129| 34| 64 Other household expenses.................................| 328| 187| 149| 163| 198| 224| 269| 264| 306| 901 Housekeeping supplies.....................................| 550| 302| 257| 360| 441| 502| 508| 625| 582| 955 Laundry and cleaning supplies............................| 122| 93| 82| 110| 98| 133| 111| 141| 116| 158 Other household products.................................| 257| 113| 110| 155| 207| 227| 221| 272| 272| 498 Postage and stationery...................................| 172| 97| 65| 95| 136| 142| 176| 212| 194| 299 Household furnishings and equipment.......................| 1,796| 582| 554| 698| 922| 1,300| 1,368| 1,656| 3,371| 3,699 Household textiles.......................................| 84| 63| 33| 34| 58| 76| 91| 78| 104| 160 Furniture................................................| 352| 93| 110| 132| 211| 247| 281| 378| 529| 801 Floor coverings..........................................| 284| 10| 28| 60| 43| 176| 82| 163| 1,158| 388 Major appliances.........................................| 189| 85| 122| 109| 156| 182| 231| 173| 254| 252 Small appliances, miscellaneous housewares...............| 115| 27| 40| 103| 72| 97| 108| 69| 168| 218 Miscellaneous household equipment........................| 772| 304| 222| 259| 381| 522| 575| 796| 1,158| 1,881 Apparel and services.......................................| 1,726| 1,146| 726| 682| 1,006| 1,364| 1,337| 1,987| 2,384| 3,533 Men and boys..............................................| 407| 218| 145| 131| 300| 371| 316| 465| 553| 783 Men, 16 and over.........................................| 374| 175| 108| 119| 275| 344| 268| 435| 513| 745 Boys, 2 to 15............................................| 33| 43| 36| 12| 25| 27| 48| 30| 40| 38 Women and girls...........................................| 762| 591| 335| 296| 348| 582| 634| 889| 1,154| 1,495 Women, 16 and over.......................................| 705| 552| 313| 260| 320| 518| 587| 839| 1,049| 1,421 Girls, 2 to 15...........................................| 57| 39| 23| 35| 28| 64| 47| 50| 105| 74 Children under 2..........................................| 40| 62| 36| 11| 19| 31| 39| 85| 41| 51 Footwear..................................................| 244| 115| 118| 153| 209| 228| 171| 260| 316| 421 Other apparel products and services.......................| 273| 160| 92| 91| 131| 152| 178| 288| 320| 783 Transportation.............................................| 6,808| 3,659| 3,016| 3,691| 4,883| 5,210| 6,996| 8,146| 8,945| 11,901 Vehicle purchases (net outlay)............................| 2,973| 1,551| 1,366| 1,653| 2,236| 2,154| 3,104| 3,801| 3,755| 5,140 Cars and trucks, new.....................................| 1,431| 303| 595| 332| 1,138| 854| 1,101| 2,211| 2,091| 2,891 Cars and trucks, used....................................| 1,492| 1,248| 735| 1,321| 1,095| 1,299| 1,993| 1,533| 1,615| 2,017 Other vehicles...........................................| 50| 0| 36| 0| 2| 0| 10| 56| 49| 232 Gasoline and motor oil....................................| 1,069| 716| 573| 721| 795| 952| 1,130| 1,254| 1,394| 1,513 Other vehicle expenses....................................| 2,254| 1,128| 952| 1,141| 1,586| 1,822| 2,322| 2,683| 3,037| 3,881 Vehicle finance charges..................................| 284| 150| 82| 85| 192| 206| 301| 439| 408| 482 Maintenance and repairs..................................| 722| 381| 334| 418| 474| 632| 775| 893| 911| 1,161 Vehicle insurance........................................| 784| 402| 344| 491| 635| 674| 839| 918| 1,026| 1,177 Vehicle rental, leases, licenses, other charges..........| 464| 196| 193| 146| 285| 309| 407| 434| 693| 1,060 Public transportation.....................................| 512| 264| 126| 176| 265| 283| 439| 407| 759| 1,367 Health care................................................| 2,217| 1,336| 1,609| 2,145| 2,639| 2,557| 2,100| 2,220| 2,061| 2,271 Health insurance..........................................| 1,115| 654| 758| 1,144| 1,389| 1,302| 1,080| 1,145| 971| 1,081 Medical services..........................................| 555| 395| 395| 354| 575| 550| 535| 596| 636| 716 Drugs.....................................................| 430| 253| 406| 523| 563| 581| 380| 341| 330| 322 Medical supplies..........................................| 117| 33| 51| 124| 112| 124| 106| 138| 124| 152 Entertainment..............................................| 2,060| 977| 671| 997| 945| 1,399| 1,793| 2,425| 2,623| 4,787 Fees and admissions.......................................| 517| 220| 90| 283| 257| 257| 494| 473| 675| 1,379 Television, radios, sound equipment.......................| 548| 371| 291| 356| 386| 447| 529| 650| 754| 847 Pets, toys, and playground equipment......................| 398| 185| 168| 179| 182| 309| 424| 312| 538| 864 Other entertainment supplies, equipment and services......| 597| 201| 122| 179| 120| 386| 347| 990| 656| 1,698 Personal care products and services........................| 556| 339| 269| 314| 390| 478| 568| 696| 674| 908 Reading....................................................| 199| 104| 87| 107| 142| 169| 205| 205| 249| 363 Education..................................................| 381| 225| 153| 115| 136| 154| 404| 545| 533| 884 Tobacco products and smoking supplies......................| 276| 298| 241| 233| 253| 318| 303| 276| 303| 237 Miscellaneous..............................................| 986| 750| 582| 529| 675| 751| 1,090| 1,130| 1,215| 1,672 Cash contributions.........................................| 1,383| 470| 670| 659| 789| 822| 1,183| 1,460| 1,722| 3,379 Personal insurance and pensions............................| 3,795| 447| 337| 627| 1,064| 1,664| 2,733| 4,331| 6,155| 11,495 Life and other personal insurance.........................| 434| 180| 162| 224| 283| 327| 354| 485| 538| 957 Pensions and Social Security..............................| 3,361| 267| 176| 402| 781| 1,337| 2,379| 3,846| 5,616| 10,538 Money income before taxes 1/...............................| 40,337| 715| 7,519| 12,555| 17,369| 24,541| 34,692| 44,460| 58,657| 106,709 Wages and salaries........................................| 28,154| 1,058| 1,884| 3,684| 6,082| 12,094| 22,240| 33,429| 47,833| 83,916 Self-employment income....................................| 2,524| -2,209| 30| 221| 361| 866| 942| 2,003| 2,430| 11,862 Social Security, private and government retirement........| 7,519| 784| 3,793| 7,308| 9,805| 10,233| 9,562| 7,004| 5,644| 6,423 Interest, dividends, rental income, other property income.| 1,311| 194| 89| 150| 312| 678| 1,149| 1,318| 2,108| 3,916 Unemployment and workers' compensation, veterans' benefits| 231| 78| 132| 146| 283| 240| 380| 337| 190| 157 Public assistance, supplemental security income, food | | | | | | | | | | stamps.................................................| 301| 710| 1,408| 863| 235| 149| 59| 72| 22| 117 Regular contributions for support.........................| 153| 61| 114| 143| 184| 150| 257| 92| 141| 148 Other income..............................................| 142| 39| 68| 39| 107| 132| 103| 207| 288| 169 Personal taxes 1/..........................................| 3,421| 536| 305| 349| 482| 1,168| 2,191| 3,225| 5,665| 11,852 Federal income taxes......................................| 2,519| 397| 155| 160| 270| 797| 1,516| 2,357| 4,285| 8,960 State and local income taxes..............................| 707| 67| 68| 107| 91| 203| 451| 616| 1,173| 2,519 Other taxes...............................................| 195| 72| 82| 81| 120| 167| 224| 252| 207| 372 Income after taxes 1/......................................| 36,916| 179| 7,214| 12,206| 16,887| 23,374| 32,501| 41,235| 52,992| 94,857 Net change in total assets and liabilities.................| -2,321| -694| 291| -619| -1,874| -2,340| -2,682| -5,212| -2,406| -3,053 Net change in total assets................................| 3,696| 1,954| 851| 331| 958| -395| 1,541| 1,123| 8,648| 13,979 Net change in total liabilities...........................| 6,018| 2,648| 560| 951| 2,831| 1,945| 4,223| 6,336| 11,054| 17,032 Other money receipts.......................................| 531| 11| 468| 190| 370| 289| 169| 510| 786| 1,414 Mortgage principal paid on owned property..................| -931| -666| -260| -254| -406| -475| -635| -1,005| -1,560| -2,369 Estimated market value of owned home.......................| 85,007| 47,604| 39,426| 51,014| 64,276| 72,213| 80,237| 82,249| 96,075| 166,974 Estimated monthly rental value of owned home...............| 587| 318| 288| 402| 479| 515| 555| 574| 679| 1,048 Gifts of goods and services................................| 1,336| 1,085| 501| 434| 831| 802| 1,126| 1,535| 1,805| 3,034 Food......................................................| 79| 41| 25| 46| 45| 62| 51| 72| 96| 191 Housing...................................................| 320| 299| 100| 186| 202| 181| 297| 342| 411| 696 Housekeeping supplies....................................| 55| 35| 13| 17| 45| 44| 49| 55| 68| 118 Household textiles.......................................| 10| 9| 4| 4| 6| 5| 11| 15| 12| 19 Appliances and miscellaneous housewares..................| 41| 6| 4| 16| 25| 30| 58| 26| 43| 103 Major appliances........................................| 10| 0| 1| 2| 12| 9| 17| 8| 9| 16 Small appliances and miscellaneous housewares...........| 32| 6| 3| 14| 14| 22| 41| 18| 33| 87 Miscellaneous household equipment........................| 88| 90| 33| 34| 46| 45| 68| 124| 135| 183 Other housing............................................| 126| 159| 47| 115| 81| 57| 110| 122| 154| 273 Apparel and services......................................| 333| 320| 102| 76| 275| 216| 295| 445| 480| 621 Males, 2 and over........................................| 97| 157| 25| 25| 113| 81| 102| 138| 101| 138 Females, 2 and over......................................| 136| 66| 14| 30| 84| 68| 126| 134| 208| 341 Children under 2.........................................| 35| 23| 20| 8| 14| 30| 30| 85| 40| 51 Other apparel products and services......................| 65| 74| 43| 13| 66| 38| 37| 88| 132| 90 Jewelry and watches.....................................| 28| 3| 37| 2| 23| 12| 25| 27| 64| 38 All other apparel products and services.................| 37| 70| 6| 11| 43| 25| 13| 61| 67| 52 Transportation............................................| 65| 100| 12| 21| 29| 49| 58| 56| 93| 147 Health care...............................................| 37| 18| 138| 4| 6| 18| 21| 31| 52| 66 Entertainment.............................................| 147| 119| 23| 32| 96| 116| 139| 187| 232| 269 Toys, games, hobbies, and tricycles......................| 56| 23| 15| 14| 33| 59| 47| 82| 88| 86 Other entertainment......................................| 91| 96| 8| 18| 63| 57| 92| 105| 144| 182 Education.................................................| 166| 86| 15| 3| 52| 36| 93| 204| 197| 620 All other gifts...........................................| 189| 101| 86| 66| 126| 125| 172| 196| 244| 424 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________|______________|______________ 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.