Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 16,269 638 934 1,192 1,405 2,581 2,657 1,961 2,629 2,272 Income before taxes a/ ...................... $41,011 $1,397 $7,725 $12,468 $17,508 $24,647 $34,361 $44,133 $58,114 $99,216 Income after taxes a/ ....................... 37,647 1,159 7,760 12,362 17,038 23,445 31,654 40,505 53,423 88,615 Age of the reference person.................. 29.7 29.6 29.2 29.2 29.1 29.5 29.6 29.8 30.1 30.7 Average number in consumer unit: Persons..................................... 2.8 2.5 2.5 2.8 2.8 2.7 2.7 2.8 3.0 2.9 Children under 18........................... 1.1 1.1 1.2 1.4 1.3 1.1 1.0 1.0 1.0 .9 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.5 .9 .8 1.1 1.3 1.4 1.5 1.7 1.8 1.9 Vehicles.................................... 1.8 1.1 .9 1.1 1.4 1.6 1.9 2.1 2.3 2.5 Percent distribution: Male........................................ 60 42 39 41 49 59 65 62 69 70 Female...................................... 40 58 61 59 51 41 35 38 31 30 Homeowner................................... 44 16 13 22 25 27 44 53 69 70 With mortgage.............................. 38 7 9 14 19 21 37 48 64 66 Without mortgage........................... 6 8 4 8 6 6 7 5 5 4 Renter...................................... 56 84 87 78 75 73 56 47 31 30 Black....................................... 13 26 19 22 17 16 9 10 8 6 White and other............................. 87 74 81 78 83 84 91 90 92 94 Elementary (1-8)............................ 3 3 9 7 6 3 2 1 1 1 High school (9-12).......................... 35 48 52 47 46 44 36 31 25 18 College..................................... 62 48 38 46 47 52 62 68 75 82 Never attended and other.................... c/ 1 1 c/ c/ d/ d/ c/ c/ d/ At least one vehicle owned or leased........ 89 60 59 75 86 91 94 97 97 98 Average annual expenditures.................. $36,435 $18,396 $17,111 $19,853 $23,046 $26,314 $33,725 $40,316 $47,649 $64,142 Food........................................ 4,820 2,684 3,186 3,156 3,812 3,764 4,615 5,479 5,781 7,056 Food at home............................. 2,732 1,867 2,023 2,247 2,384 2,221 2,665 2,962 3,238 3,475 Cereals and bakery products............ 419 303 315 311 366 365 401 455 486 538 Cereals and cereal products.......... 163 157 124 143 155 124 164 171 193 194 Bakery products...................... 256 146 191 168 212 241 237 284 293 343 Meats, poultry, fish, and eggs......... 676 406 538 551 654 585 667 691 825 765 Beef................................. 210 96 172 169 176 184 197 213 304 208 Pork................................. 128 76 105 128 128 106 140 139 136 133 Other meats.......................... 86 64 65 52 75 80 90 112 89 94 Poultry.............................. 141 73 118 120 150 111 145 133 159 187 Fish and seafood..................... 82 e/ 73 52 53 91 76 66 62 109 112 Eggs................................. 29 26 25 30 35 27 29 31 28 31 Dairy products......................... 307 220 208 281 274 251 288 346 353 386 Fresh milk and cream................. 127 109 103 107 120 114 127 134 138 146 Other dairy products................. 180 111 105 173 154 138 161 212 215 240 Fruits and vegetables.................. 436 291 278 378 392 335 414 427 546 603 Fresh fruits......................... 138 85 82 116 111 102 132 128 200 177 Fresh vegetables..................... 131 72 87 124 129 106 118 119 139 209 Processed fruits..................... 97 66 64 68 87 70 96 109 118 130 Processed vegetables................. 72 68 45 70 65 57 68 70 89 88 Other food at home..................... 894 647 685 725 697 685 895 1,043 1,028 1,183 Sugar and other sweets............... 109 99 74 77 110 84 109 119 116 152 Fats and oils........................ 69 43 40 62 75 53 70 72 76 93 Miscellaneous foods.................. 436 331 372 337 299 327 436 536 498 585 Nonalcoholic beverages............... 232 152 171 230 185 193 235 268 269 265 Food prepared by consumer unit on out-of-town trips................... 47 e/ 22 28 19 29 29 45 48 68 88 Food away from home...................... 2,089 817 1,164 910 1,428 1,543 1,950 2,517 2,543 3,581 Alcoholic beverages......................... 413 148 134 180 269 314 352 491 466 840 Housing..................................... 12,055 7,720 6,197 7,291 8,355 8,923 10,964 12,479 15,008 21,437 Shelter.................................. 7,075 4,980 3,736 4,299 4,774 5,293 6,425 7,272 8,559 12,813 Owned dwellings........................ 3,493 966 552 868 1,101 1,263 2,693 3,680 5,806 8,895 Mortgage interest and charges........ 2,442 614 336 531 616 802 1,799 2,612 4,231 6,352 Property taxes....................... 626 265 108 161 252 264 473 643 989 1,569 Maintenance, repairs, insurance,other expenses............................ 425 e/ 87 e/ 109 175 232 196 422 424 586 974 Rented dwellings....................... 3,323 3,922 3,143 3,244 3,528 3,896 3,581 3,370 2,449 3,165 Other lodging.......................... 259 e/ 91 e/ 41 187 146 135 151 222 303 752 Utilities, fuels, and public services.... 2,225 1,628 1,416 1,720 1,924 1,935 2,147 2,305 2,710 2,966 Natural gas............................ 260 140 152 204 198 243 234 306 302 366 Electricity............................ 785 659 528 661 721 700 776 822 923 944 Fuel oil and other fuels............... 67 e/ 34 e/ 34 33 47 50 65 86 90 99 Telephone services..................... 892 695 609 679 809 779 866 871 1,080 1,187 Water and other public services........ 222 101 93 143 150 163 206 220 316 371 Household operations..................... 690 218 244 266 389 402 499 674 997 1,624 Personal services...................... 510 155 155 209 305 315 376 536 780 1,086 Other household expenses............... 180 63 88 57 85 86 123 138 217 537 Housekeeping supplies.................... 424 231 168 239 239 284 410 498 528 767 Laundry and cleaning supplies.......... 120 100 79 115 94 87 118 142 142 152 Other household products............... 187 96 62 93 91 117 182 205 232 385 Postage and stationery................. 118 e/ 35 28 30 54 80 110 152 154 231 Household furnishings and equipment...... 1,641 662 633 768 1,028 1,009 1,483 1,730 2,214 3,267 Household textiles..................... 98 e/ 38 20 120 25 58 60 81 155 216 Furniture.............................. 481 130 218 261 352 307 470 415 577 1,037 Floor coverings........................ 64 e/ 18 e/ 25 e/ 17 e/ 15 e/ 4 113 e/ 16 51 230 Major appliances....................... 143 e/ 211 47 74 186 123 142 82 182 215 Small appliances, miscellaneous housewares............................ 78 e/ 20 39 56 69 65 69 72 109 117 Miscellaneous household equipment...... 777 245 284 240 381 451 629 1,064 1,140 1,452 Apparel and services....................... 1,967 1,094 826 877 1,440 1,472 1,995 2,199 2,674 2,934 Men and boys............................. 448 204 81 180 320 329 439 547 616 699 Men, 16 and over....................... 342 e/ 113 e/ 31 98 233 186 329 424 516 602 Boys, 2 to 15.......................... 105 90 50 82 87 142 110 123 99 96 Women and girls.......................... 663 402 275 270 398 502 641 687 1,000 1,011 Women, 16 and over..................... 536 305 197 168 232 391 489 515 887 913 Girls, 2 to 15......................... 127 97 78 102 166 111 152 171 113 97 Children under 2......................... 175 e/ 77 e/ 120 94 120 107 207 203 226 253 Footwear................................. 330 e/ 259 e/ 186 169 385 272 384 426 406 253 Other apparel products and services...... 351 153 164 163 217 263 325 337 427 719 Transportation............................. 7,089 2,897 3,013 4,148 4,189 5,385 7,051 8,677 9,675 10,918 Vehicle purchases (net outlay)........... 3,231 e/ 995 1,292 2,284 1,863 2,548 3,403 4,272 4,548 4,154 Cars and trucks, new................... 1,193 d/ d/ e/ 965 d/ 729 1,056 1,308 2,287 2,201 Cars and trucks, used.................. 1,984 995 1,292 1,320 1,828 1,808 2,334 2,872 2,175 1,791 Other vehicles......................... 54 d/ d/ d/ e/ 35 e/ 11 e/ 13 e/ 91 e/ 85 e/ 163 Gasoline and motor oil................... 1,087 612 650 685 853 932 1,102 1,233 1,354 1,478 Other vehicle expenses................... 2,392 1,119 831 976 1,301 1,709 2,232 2,843 3,349 4,288 Vehicle finance charges................ 436 204 71 134 174 283 446 568 677 741 Maintenance and repairs................ 620 395 257 327 506 507 557 750 742 1,021 Vehicle insurance...................... 747 298 255 328 429 591 819 880 1,019 1,158 Vehicle rental, leases, licenses, other charges......................... 588 223 247 188 192 328 411 645 912 1,368 Public transportation.................... 380 171 240 203 172 196 315 330 424 998 Health care................................ 1,249 627 447 541 885 954 1,290 1,537 1,559 2,033 Health insurance......................... 593 246 187 252 359 461 598 813 776 924 Medical services......................... 411 207 116 158 383 273 460 480 480 703 Drugs.................................... 171 141 123 90 107 171 169 161 178 282 Medical supplies......................... 74 e/ 33 e/ 22 41 36 48 63 83 124 124 Entertainment.............................. 1,900 1,063 721 1,161 1,038 1,199 1,604 2,020 2,483 3,857 Fees and admissions...................... 424 167 138 164 196 254 346 481 549 982 Television, radios, sound equipment...... 631 383 321 435 455 515 703 731 731 873 Pets, toys, and playground equipment..... 371 210 157 189 246 253 333 414 500 657 Other entertainment supplies, equipment,and services.................. 473 303 105 373 140 177 222 394 704 1,344 Personal care products and services........ 413 210 271 224 221 354 324 476 567 648 Reading.................................... 142 61 64 62 59 105 127 143 191 293 Education.................................. 472 656 804 479 366 418 583 501 334 410 Tobacco products and smoking supplies...... 262 201 257 277 303 290 277 241 291 183 Miscellaneous.............................. 823 725 594 385 426 492 775 930 1,186 1,336 Cash contributions......................... 649 e/ 83 146 125 228 496 500 762 818 1,608 Personal insurance and pensions............ 4,180 229 450 948 1,456 2,147 3,267 4,380 6,617 10,589 Life and other personal insurance........ 248 e/ 71 82 77 108 121 181 237 386 611 Pensions and Social Security............. 3,932 157 368 870 1,347 2,027 3,085 4,144 6,230 9,977 Sources of income and personal taxes: a/ Money income before taxes................. 41,011 1,397 7,725 12,468 17,508 24,647 34,361 44,133 58,114 99,216 Wages and salaries....................... 38,000 1,505 3,978 9,266 15,072 22,380 31,681 41,958 54,972 93,570 Self-employment income................... 1,373 -1,388 e/ 138 e/ 372 539 746 1,184 1,314 2,115 3,823 Social Security, private and government retirement................... 218 e/ 127 673 457 e/ 203 197 142 e/ 154 155 182 Interest, dividends, rental income, other property income................... 213 81 41 81 65 54 214 101 222 746 Unemployment and workers'' compensation, veterans'' benefits..................... 161 e/ 55 176 105 257 255 135 137 86 186 Public assistance, supplemental security, income, food stamps..................... 415 714 2,244 1,589 607 339 117 e/ 32 e/ 70 e/ 8 Regular contributions for support........ 385 e/ 60 193 395 434 386 572 266 324 474 Other income............................. 247 244 282 203 331 290 316 171 170 227 Personal taxes............................. 3,364 239 -36 107 469 1,202 2,707 3,628 4,691 10,600 Federal income taxes..................... 2,577 176 -57 -10 239 842 2,074 2,790 3,630 8,297 State and local income taxes............. 723 c/ 17 106 193 326 601 761 999 2,109 Other taxes.............................. 64 e/ 63 e/ 4 11 38 34 32 77 62 194 Income after taxes.......................... 37,647 1,159 7,760 12,362 17,038 23,445 31,654 40,505 53,423 88,615 Net change in total assets and liabilities.. -2,408 -658 -469 911 1,513 365 -1,412 -804 -5,012 -10,547 Net change in total assets............... 8,479 7,527 -427 3,662 1,814 3,236 5,891 6,672 10,965 26,723 Net change in total liabilities.......... 10,887 8,186 42 2,751 301 2,871 7,304 7,477 15,976 37,269 Other financial information: Other money receipts..................... 576 e/ 451 e/ 82 435 195 173 384 265 1,005 1,579 Mortgage principal paid on owned property................................ -683 -228 -174 -207 -295 -233 -569 -762 -1,128 -1,572 Estimated market value of owned home..... 46,474 13,436 8,131 12,444 13,849 17,371 34,836 47,328 75,819 121,523 Estimated monthly rental value of owned home.............................. 372 101 72 117 128 155 298 405 622 871 Gifts of goods and services................. 739 494 391 357 447 648 666 723 939 1,271 Food..................................... 34 e/ 33 e/ 10 e/ 13 e/ 14 11 22 40 56 74 Housing.................................. 268 245 72 164 190 162 237 281 354 493 Housekeeping supplies.................. 35 e/ 15 e/ 6 e/ 9 e/ 12 20 41 54 34 74 Household textiles..................... 10 e/ 3 c/ e/ 1 e/ 1 e/ 4 e/ 6 e/ 25 24 e/ 5 Appliances and miscellaneous housewares............................ 24 e/ 11 e/ 7 e/ 34 e/ 9 e/ 15 13 28 35 41 Major appliances..................... 4 e/ 8 e/ 5 e/ 3 e/ 6 d/ e/ 2 e/ 2 e/ 9 e/ 2 Small appliances and miscellaneous housewares.......................... 20 e/ 3 e/ 2 e/ 31 e/ 3 e/ 15 11 26 26 39 Miscellaneous household equipment...... 70 e/ 15 e/ 5 11 28 29 43 86 89 211 Other housing.......................... 129 201 55 109 139 94 134 88 171 163 Apparel and services..................... 202 150 43 79 115 264 167 191 242 325 Males, 2 and over...................... 48 e/ 55 e/ 7 e/ 1 13 60 55 37 53 94 Females, 2 and over.................... 52 e/ 41 e/ 17 e/ 27 70 44 20 56 75 82 Children under 2....................... 46 e/ 40 e/ 4 e/ 24 e/ 20 41 51 49 55 80 Other apparel products and services.... 56 e/ 14 e/ 15 e/ 26 e/ 14 119 41 49 60 69 Jewelry and watches.................. 33 e/ 7 e/ 6 e/ 18 e/ 11 59 36 28 27 50 All other apparel products and services............................ 23 e/ 7 e/ 9 e/ 8 e/ 3 e/ 60 e/ 5 e/ 21 e/ 32 e/ 19 Transportation........................... 25 8 42 8 11 25 20 22 32 42 Health care.............................. 8 e/ 1 e/ 1 e/ 2 e/ 1 e/ 3 e/ 10 e/ 16 e/ 11 e/ 10 Entertainment............................ 62 e/ 25 e/ 30 44 31 35 53 66 72 143 Toys, games, hobbies, and tricycles.... 26 e/ 19 e/ 8 e/ 13 12 14 26 29 30 55 Other entertainment.................... 36 e/ 7 e/ 23 e/ 31 19 21 27 37 41 88 Education................................ 31 e/ 7 e/ 83 e/ 14 e/ 27 e/ 16 e/ 9 e/ 37 e/ 45 e/ 45 All other gifts.......................... 109 24 109 33 59 133 146 72 127 139 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.05. c/ Value less than 0.5. d/ No data reported. e/ Data are likely to have large sampling errors.