Table 28. Consumer units with reference person age 45 to 54 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | Complete reporting of income |___________________________________________________________________________________________________ Item | | | | | | | | | | | Total | Less | $5,000 | $10,000 | $15,000 | $20,000 | $30,000 | $40,000 | $50,000 | $70,000 | complete| than | to | to | to | to | to | to | to | 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)......................| 14,958 | 455 | 853 | 887 | 818 | 1,932 | 1,765 | 1,634 | 2,649 | 3,966 Income before taxes(1).............| $53,483 | $994 | $7,539 | $12,498 | $17,393 | $24,764 | $34,600 | $44,568 | $58,747 |$108,548 Income after taxes(1)..............| 48,711 | 819 | 7,456 | 12,697 | 16,859 | 23,395 | 32,041 | 40,632 | 53,671 | 97,472 Age of reference person............| 49.1 | 49.3 | 49.2 | 49.5 | 49.4 | 49.3 | 48.8 | 48.8 | 49.0 | 49.1 Average number in consumer unit: | | | | | | | | | | Persons...........................| 2.7 | 1.8 | 2.2 | 2.5 | 2.5 | 2.5 | 2.6 | 2.6 | 3.0 | 3.1 Children under 18.................| .6 | .3 | .5 | .7 | .7 | .6 | .6 | .5 | .6 | .7 Persons 65 and over...............| (2)| (2)| (2)| (3).1 | (2)| (2)| (2)| .1 | (2)| (2) Earners...........................| 1.8 | 1.0 | .9 | 1.0 | 1.3 | 1.5 | 1.7 | 1.8 | 2.2 | 2.4 Vehicles..........................| 2.5 | 1.2 | 1.2 | 1.5 | 1.8 | 2.1 | 2.3 | 2.6 | 3.0 | 3.1 Percent distribution: | | | | | | | | | | Male..............................| 64 | 42 | 42 | 40 | 45 | 54 | 55 | 69 | 72 | 80 Female............................| 36 | 58 | 58 | 60 | 55 | 46 | 45 | 31 | 28 | 20 Percent homeowner.................| 76 | 50 | 44 | 49 | 60 | 63 | 74 | 79 | 88 | 93 With mortgage....................| 57 | 26 | 25 | 30 | 31 | 41 | 56 | 57 | 72 | 79 Without mortgage.................| 19 | 24 | 19 | 19 | 29 | 22 | 19 | 21 | 16 | 14 Renter............................| 24 | 50 | 56 | 51 | 40 | 37 | 26 | 21 | 12 | 7 Black.............................| 12 | 25 | 23 | 24 | 18 | 14 | 16 | 7 | 7 | 5 White and other...................| 88 | 75 | 77 | 76 | 82 | 86 | 84 | 93 | 93 | 95 Elementary (1-8)..................| 5 | 14 | 15 | 14 | 10 | 8 | 6 | 3 | 2 | 1 High school (9-12)................| 36 | 49 | 49 | 52 | 49 | 47 | 41 | 35 | 34 | 18 College...........................| 59 | 35 | 36 | 34 | 40 | 45 | 53 | 62 | 64 | 81 Never attended and other..........| (4)| 1 | 1 | (5)| 1 | (4)| (4)| (4)| (4)| (4) At least one vehicle owned........| 92 | 67 | 68 | 78 | 88 | 92 | 94 | 96 | 96 | 97 Average annual expenditures........| $45,947 | $19,078 | $19,412 | $20,856 | $22,254 | $29,152 | $35,337 | $42,108 | $50,314 | $75,908 Food..............................| 6,016 | 3,520 | 2,605 | 3,895 | 3,238 | 4,481 | 4,871 | 5,647 | 6,647 | 8,718 Food at home.....................| 3,579 | 2,484 | 1,900 | 2,978 | 2,297 | 3,052 | 3,240 | 3,482 | 3,847 | 4,571 Cereals and bakery products.....| 556 | 376 | 269 | 377 | 369 | 465 | 505 | 578 | 588 | 724 Cereals and cereal products....| 192 | 140 | 107 | 157 | 116 | 164 | 193 | 193 | 194 | 242 Bakery products................| 364 | 237 | 162 | 220 | 253 | 301 | 312 | 385 | 394 | 482 Meats, poultry, fish, and eggs..| 932 | 675 | 566 | 1,037 | 695 | 856 | 807 | 871 | 995 | 1,115 Beef...........................| 275 | 203 | 133 | 317 | 236 | 262 | 226 | 272 | 300 | 317 Pork...........................| 190 | 118 | 112 | 251 | 156 | 185 | 183 | 187 | 219 | 195 Other meats....................| 121 | 86 | 70 | 118 | 88 | 101 | 112 | 113 | 121 | 154 Poultry........................| 181 | 126 | 111 | 158 | 132 | 153 | 152 | 172 | 192 | 231 Fish and seafood...............| 128 | 114 | 112 | 150 | 47 | 116 | 90 | 89 | 123 | 179 Eggs...........................| 39 | 28 | 29 | 43 | 36 | 39 | 44 | 37 | 40 | 39 Dairy products..................| 375 | 255 | 219 | 281 | 217 | 286 | 350 | 375 | 407 | 488 Fresh milk and cream...........| 147 | 102 | 98 | 132 | 94 | 132 | 154 | 153 | 159 | 164 Other dairy products...........| 229 | 153 | 122 | 149 | 124 | 154 | 195 | 222 | 249 | 323 Fruits and vegetables...........| 578 | 370 | 267 | 392 | 361 | 504 | 541 | 531 | 601 | 780 Fresh fruits...................| 177 | 96 | 69 | 98 | 118 | 135 | 193 | 166 | 187 | 238 Fresh vegetables...............| 180 | 114 | 76 | 121 | 106 | 183 | 169 | 134 | 179 | 251 Processed fruits...............| 123 | 71 | 68 | 84 | 66 | 95 | 99 | 123 | 133 | 172 Processed vegetables...........| 98 | 88 | 54 | 89 | 70 | 91 | 80 | 107 | 103 | 119 Other food at home..............| 1,137 | 808 | 579 | 891 | 655 | 941 | 1,038 | 1,127 | 1,255 | 1,465 Sugar and other sweets.........| 139 | 99 | 82 | 133 | 89 | 89 | 147 | 140 | 158 | 167 Fats and oils..................| 103 | 76 | 44 | 127 | 68 | 100 | 95 | 101 | 115 | 114 Miscellaneous foods............| 496 | 369 | 240 | 313 | 281 | 435 | 442 | 499 | 553 | 638 Nonalcoholic beverages.........| 327 | 228 | 189 | 281 | 195 | 289 | 307 | 331 | 347 | 405 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 73 | (3)36 | (3)24 | 37 | 22 | 27 | 47 | 56 | 82 | 140 Food away from home..............| 2,437 | 1,036 | 705 | 917 | 941 | 1,428 | 1,631 | 2,165 | 2,800 | 4,147 Alcoholic beverages...............| 388 | 161 | 187 | 247 | 206 | 205 | 271 | 253 | 359 | 706 Housing...........................| 13,385 | 6,760 | 7,106 | 7,228 | 7,485 | 9,153 | 10,739 | 12,114 | 13,804 | 21,441 Shelter..........................| 7,449 | 3,804 | 4,005 | 3,969 | 4,069 | 5,210 | 5,839 | 6,511 | 7,501 | 12,243 Owned dwellings.................| 5,323 | 1,924 | 1,669 | 1,407 | 1,968 | 2,849 | 3,911 | 4,555 | 5,818 | 9,886 Mortgage interest and charges..| 3,248 | 1,177 | 960 | 802 | 987 | 1,536 | 2,425 | 2,691 | 3,555 | 6,217 Property taxes.................| 1,208 | 510 | 430 | 355 | 452 | 711 | 882 | 977 | 1,316 | 2,211 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 867 | 238 | 279 | 250 | 528 | 601 | 604 | 887 | 946 | 1,458 Rented dwellings................| 1,488 | 1,794 | 2,217 | 2,474 | 2,006 | 2,208 | 1,699 | 1,541 | 1,006 | 825 Other lodging...................| 638 | (3)85 | 119 | 88 | 95 | 154 | 230 | 415 | 677 | 1,533 Utilities, fuels, and public | | | | | | | | | | services......................| 2,819 | 1,637 | 1,899 | 2,096 | 2,184 | 2,355 | 2,643 | 2,779 | 3,023 | 3,630 Natural gas.....................| 326 | 178 | 215 | 238 | 237 | 258 | 304 | 282 | 346 | 451 Electricity.....................| 1,076 | 665 | 768 | 836 | 918 | 935 | 1,043 | 1,070 | 1,149 | 1,313 Fuel oil and other fuels........| 130 | (3)68 | 89 | 83 | 89 | 97 | 108 | 148 | 137 | 178 Telephone services..............| 940 | 568 | 637 | 732 | 690 | 807 | 880 | 953 | 999 | 1,194 Water and other public services.| 348 | 157 | 190 | 207 | 250 | 258 | 308 | 326 | 392 | 495 Household operations.............| 502 | 183 | 194 | 143 | 182 | 186 | 379 | 331 | 425 | 1,079 Personal services...............| 127 | (3)57 | (3)10 | (3)45 | (3)78 | 44 | 177 | 119 | 141 | 201 Other household expenses........| 375 | 125 | 185 | 98 | 104 | 142 | 202 | 212 | 284 | 878 Housekeeping supplies............| 641 | 366 | 186 | 380 | 348 | 500 | 463 | 631 | 656 | 981 Laundry and cleaning supplies...| 157 | 102 | 64 | 161 | 113 | 135 | 125 | 178 | 165 | 195 Other household products........| 277 | 116 | 92 | 163 | 156 | 199 | 202 | 331 | 318 | 388 Postage and stationery..........| 207 | 148 | (3)29 | 56 | 78 | 165 | 136 | 122 | 172 | 398 Household furnishings and | | | | | | | | | | equipment.....................| 1,974 | 770 | 822 | 640 | 703 | 902 | 1,414 | 1,862 | 2,199 | 3,507 Household textiles..............| 115 | 72 | 62 | 39 | 47 | 65 | 92 | 87 | 114 | 209 Furniture.......................| 418 | 106 | 244 | 160 | 109 | 139 | 259 | 355 | 487 | 800 Floor coverings.................| 117 | (3)25 | (3)16 | (3)3 | (3)47 | 19 | (3)43 | 170 | 151 | 215 Major appliances................| 215 | (3)14 | 149 | 128 | 107 | 138 | 230 | 171 | 253 | 317 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 126 | 43 | 30 | 32 | 67 | 74 | 81 | 76 | 206 | 193 Miscellaneous household | | | | | | | | | | equipment....................| 982 | 511 | 321 | 277 | 327 | 467 | 709 | 1,003 | 989 | 1,773 Apparel and services..............| 2,424 | 1,439 | 838 | 953 | 842 | 1,222 | 1,488 | 1,801 | 2,336 | 4,587 Men and boys.....................| 604 | 307 | 147 | 268 | 139 | 289 | 399 | 501 | 548 | 1,174 Men, 16 and over................| 507 | (3)266 | 104 | 223 | (3)91 | 218 | 342 | 428 | 429 | 1,017 Boys, 2 to 15...................| 97 | (3)40 | 42 | 45 | 48 | 71 | 58 | 73 | 119 | 157 Women and girls..................| 956 | 715 | 423 | 325 | 335 | 591 | 591 | 679 | 867 | 1,784 Women, 16 and over..............| 847 | 624 | 386 | 254 | 307 | 497 | 496 | 581 | 749 | 1,623 Girls, 2 to 15..................| 109 | 92 | 37 | 71 | 28 | 94 | 95 | 97 | 118 | 161 Children under 2.................| 71 | (3)4 | (3)10 | (3)27 | (3)38 | 56 | 38 | 98 | 69 | 116 Footwear.........................| 374 | (3)268 | (3)213 | (3)282 | (3)222 | 136 | 233 | 349 | 390 | 616 Other apparel products and | | | | | | | | | | services......................| 419 | 145 | 46 | 51 | 108 | 150 | 227 | 174 | 462 | 897 Transportation....................| 8,752 | 3,880 | 3,939 | 3,854 | 4,499 | 5,474 | 7,699 | 8,372 | 10,769 | 13,181 Vehicle purchases (net outlay)...| 3,763 |(3)1,736 |(3)1,835 | 1,451 | 1,858 | 2,325 | 3,521 | 3,675 | 4,990 | 5,345 Cars and trucks, new............| 1,731 | (3)534 | (3)825 | (3)127 | (3)655 | 743 | 1,289 | 1,684 | 2,275 | 2,976 Cars and trucks, used...........| 1,995 |(3)1,202 | 1,010 | 1,325 | 1,203 | 1,582 | 2,191 | 1,990 | 2,661 | 2,282 Other vehicles..................| 38 | (5)| (5)| (5)| (5)| (5)| (3)40 | (3)1 | (3)54 | (3)87 Gasoline and motor oil...........| 1,441 | 597 | 687 | 830 | 929 | 1,095 | 1,343 | 1,476 | 1,758 | 1,929 Other vehicle expenses...........| 3,049 | 1,161 | 1,263 | 1,406 | 1,542 | 1,814 | 2,557 | 2,852 | 3,538 | 4,891 Vehicle finance charges.........| 401 | 156 | 112 | 164 | 285 | 283 | 360 | 437 | 491 | 569 Maintenance and repairs.........| 964 | 399 | 473 | 571 | 495 | 649 | 813 | 883 | 1,139 | 1,445 Vehicle insurance...............| 995 | 383 | 449 | 527 | 597 | 684 | 860 | 923 | 1,216 | 1,464 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 689 | 224 | 229 | 143 | 165 | 198 | 524 | 609 | 692 | 1,413 Public transportation............| 498 | 386 | 154 | 167 | 170 | 239 | 278 | 369 | 482 | 1,015 Health care.......................| 1,898 | 826 | 1,082 | 942 | 1,387 | 1,519 | 1,908 | 1,972 | 1,926 | 2,640 Health insurance.................| 817 | 338 | 484 | 406 | 528 | 623 | 763 | 922 | 911 | 1,105 Medical services.................| 630 | 140 | 385 | 178 | 462 | 468 | 666 | 624 | 581 | 974 Drugs............................| 320 | 306 | 145 | 267 | 322 | 341 | 353 | 311 | 313 | 347 Medical supplies.................| 132 | (3)43 | 68 | 91 | 74 | 87 | 127 | 115 | 121 | 214 Entertainment.....................| 2,453 | 656 | 840 | 843 | 988 | 1,583 | 1,498 | 2,732 | 2,642 | 4,232 Fees and admissions..............| 623 | 136 | 157 | 114 | 136 | 220 | 340 | 391 | 621 | 1,413 Television, radios, sound | | | | | | | | | | equipment.....................| 686 | 196 | 414 | 403 | 421 | 484 | 574 | 709 | 793 | 985 Pets, toys, and playground | | | | | | | | | | equipment.....................| 426 | (3)108 | 157 | 286 | 246 | 401 | 270 | 402 | 498 | 618 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 719 | 216 | 112 | 40 | 186 | 478 | 314 | 1,230 | 731 | 1,215 Personal care products and | | | | | | | | | | services.......................| 674 | 311 | 227 | 313 | 349 | 461 | 610 | 604 | 705 | 1,071 Reading...........................| 208 | 80 | 88 | 67 | 88 | 125 | 172 | 189 | 212 | 367 Education.........................| 871 | (3)275 | 110 | 291 | 154 | 464 | 496 | 501 | 1,045 | 1,772 Tobacco products and smoking | | | | | | | | | | supplies.......................| 333 | 278 | 280 | 350 | 330 | 373 | 381 | 314 | 360 | 296 Miscellaneous.....................| 1,231 | 486 | 1,069 | 610 | 888 | 948 | 860 | 1,226 | 1,246 | 1,850 Cash contributions................| 1,429 | (3)108 | 432 | 415 | 269 | 736 | 910 | 1,257 | 1,676 | 2,736 Personal insurance and pensions...| 5,885 | 297 | 608 | 849 | 1,532 | 2,410 | 3,435 | 5,125 | 6,588 | 12,313 Life and other personal insurance| 559 | 129 | 184 | 182 | 259 | 341 | 392 | 437 | 587 | 1,046 Pensions and Social Security.....| 5,326 | 169 | 424 | 667 | 1,273 | 2,069 | 3,044 | 4,688 | 6,001 | 11,267 Money income before taxes.........| 53,483 | 994 | 7,539 | 12,498 | 17,393 | 24,764 | 34,600 | 44,568 | 58,747 | 108,548 Wages and salaries...............| 46,057 | 1,563 | 2,690 | 6,813 | 13,108 | 20,106 | 29,788 | 39,275 | 52,996 | 94,102 Self-employment income(1)........| 4,002 |(3)-1746 | 451 | 425 | 556 | 1,424 | 1,589 | 2,312 | 2,990 | 10,639 Social Security, private and | | | | | | | | | | government retireme...........| 1,621 | (3)254 | 2,022 | 3,092 | 1,984 | 1,706 | 1,889 | 1,332 | 1,287 | 1,467 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 676 | 75 | 158 | 60 | 311 | 166 | 287 | 672 | 638 | 1,520 Unemployment and workers.........| 294 | (3)145 | (3)190 | 377 | 473 | 365 | 275 | 336 | 313 | 223 Public assistance, supplemental | | | | | | | | | | security income,..............| 396 | 501 | 1,795 | 1,440 | 580 | 516 | 156 | 277 | 184 | (3)50 Regular contributions for support| 264 | (3)65 | (3)82 | (3)111 | (3)229 | 344 | 397 | 246 | 216 | 310 Other income.....................| 172 | (3)136 | 151 | 180 | (3)152 | 137 | 218 | 117 | 123 | 237 Personal taxes....................| 4,771 | 176 | 83 | -200 | 534 | 1,369 | 2,559 | 3,935 | 5,075 | 11,076 Federal income taxes.............| 3,674 | 116 | 26 | -308 | 350 | 979 | 1,998 | 3,006 | 3,942 | 8,599 State and local income taxes(1)..| 942 | 30 | 22 | 53 | 146 | 313 | 473 | 798 | 965 | 2,166 Other taxes......................| 155 | (3)30 | (3)34 | 56 | 38 | 76 | 88 | 131 | 168 | 311 Income after taxes................| 48,711 | 819 | 7,456 | 12,697 | 16,859 | 23,395 | 32,041 | 40,632 | 53,671 | 97,472 Net change in total assets and | | | | | | | | | | liabilities....................| -751 | 6,921 | 707 | 895 | -364 | -2,230 | -3,018 | -4,155 | -2,221 | 1,723 Net change in total assets(1)....| 5,208 | 7,466 | 2,478 | 1,346 | -362 | 2,230 | 4,238 | 3,899 | 2,744 | 11,618 Net change in total liabilities..| 5,959 | 544 | 1,772 | 451 | 1 | 4,461 | 7,256 | 8,054 | 4,964 | 9,895 Other money receipts..............| 596 | (3)131 | 165 | (3)104 | 203 | 496 | 471 | 284 | 909 | 956 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,770 | -438 | -673 | -525 | -522 | -830 | -1,049 | -1,394 | -1,776 | -3,622 Estimated market value of owned | | | | | | | | | | home...........................| 94,145 | 41,290 | 34,871 | 30,599 | 42,170 | 50,991 | 69,161 | 82,619 | 100,962 | 170,229 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 652 | 320 | 264 | 280 | 320 | 399 | 523 | 598 | 707 | 1,091 Gifts of goods and services.......| 1,776 | 1,016 | 565 | 740 | 715 | 727 | 1,177 | 1,310 | 2,169 | 3,192 Food.............................| 117 | (3)11 | (3)25 | 43 | 44 | 46 | 105 | 117 | 159 | 189 Housing..........................| 444 | 253 | 125 | 124 | 238 | 201 | 314 | 387 | 467 | 811 Housekeeping supplies...........| 49 | (3)32 | (3)6 | (3)10 | (3)18 | 32 | 37 | 54 | 43 | 84 Household textiles..............| 13 | (3)17 | (3)7 | (3)5 | (3)9 | 9 | 11 | 8 | 14 | 19 Appliances and miscellaneous | | | | | | | | | | housewares...................| 48 | (3)16 | (3)5 | (3)4 | (3)38 | 43 | 28 | 24 | 70 | 76 Major appliances...............| 12 | (5)| (3)2 | (3)1 | (3)24 | (3)3 | (3)7 | (3)4 | 24 | 18 Small appliances and | | | | | | | | | | miscellaneous housewares....| 36 | (3)16 | (3)3 | (3)2 | (3)14 | 40 | 21 | (3)20 | 46 | 59 Miscellaneous household | | | | | | | | | | equipment....................| 136 | (3)120 | 24 | (3)19 | 67 | 48 | 102 | 122 | 125 | 259 Other housing...................| 199 | (3)68 | (3)82 | 86 | 105 | 69 | 135 | 179 | 214 | 373 Apparel and services.............| 444 | 389 | 95 | 202 | 89 | 184 | 285 | 249 | 521 | 825 Males, 2 and over...............| 110 | (3)141 | (3)38 | 25 | (3)16 | 61 | 60 | 86 | 96 | 214 Females, 2 and over.............| 116 | (3)107 | (3)33 | 69 | (3)29 | 56 | 133 | 51 | 121 | 195 Children under 2................| 52 | (3)3 | (3)2 | (3)2 | (3)23 | 31 | 24 | 57 | 63 | 95 Other apparel products and | | | | | | | | | | services.....................| 166 | (3)138 | (3)23 | (3)106 | (3)21 | (3)35 | (3)68 | (3)55 | (3)241 | 321 Jewelry and watches............| 116 | (5)| (3)0 | (3)2 | (3)18 | (3)22 | (3)38 | (3)28 | (3)214 | 232 All other apparel products and | | | | | | | | | | services....................| 49 | (3)138 | (3)22 | (3)104 | (3)3 | (3)12 | (3)29 | (3)27 | (3)27 | 89 Transportation...................| 92 | 4 | 14 | 175 | 21 | 25 | 23 | 65 | 189 | 127 Health care......................| 47 | (5)| (3)31 | (3)8 | (3)27 | 23 | (3)29 | 37 | 33 | 101 Entertainment....................| 150 | (3)189 | (3)44 | (3)60 | 96 | 105 | 170 | 123 | 139 | 228 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 45 | (3)19 | (3)18 | (3)42 | (3)56 | (3)70 | (3)20 | (3)37 | 47 | 53 Other entertainment.............| 105 | (3)171 | 26 | 18 | 40 | 35 | 150 | 86 | 92 | 175 Education........................| 307 | (3)69 | (3)38 | (3)59 | (3)42 | (3)68 | 141 | 188 | 450 | 643 All other gifts..................| 175 | 100 | 192 | 70 | 158 | 75 | 110 | 144 | 211 | 268 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.05. 3 Data are likely to have large sampling errors. 4 Value less than 0.5. 5 No data reported.