Table 28. Consumer units with reference person age 45 to 54 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)...... 15,287 449 833 800 706 1,744 1,824 1,642 2,729 4,560 Income before taxes a/ ...................... $57,004 - $725 $7,613 $12,466 $17,598 $24,882 $34,480 $44,510 $58,809 $110,338 Income after taxes a/ ....................... 51,845 -881 7,587 12,482 16,890 23,673 32,031 40,412 53,704 99,143 Age of the reference person.................. 49.1 49.2 49.5 49.6 49.4 49.1 49.0 48.8 49.0 49.2 Average number in consumer unit: Persons..................................... 2.7 1.8 2.0 2.2 2.4 2.5 2.4 2.6 2.9 3.1 Children under 18........................... .6 .3 .5 .5 .5 .6 .5 .6 .7 .7 Persons 65 and over......................... b/ b/ b/ c/ .1 c/ .1 b/ b/ b/ b/ b/ Earners..................................... 1.8 1.0 .8 1.1 1.3 1.5 1.7 1.8 2.1 2.3 Vehicles.................................... 2.5 1.3 1.2 1.5 1.8 1.9 2.3 2.5 2.9 3.3 Percent distribution: Male........................................ 63 41 40 44 44 54 58 66 66 77 Female...................................... 37 59 60 56 56 46 42 34 34 23 Homeowner................................... 76 47 40 50 58 61 70 78 87 94 With mortgage.............................. 57 22 16 31 28 41 51 56 70 78 Without mortgage........................... 19 25 24 19 30 20 19 22 17 15 Renter...................................... 24 53 60 50 42 39 30 22 13 6 Black....................................... 11 24 26 22 18 14 13 9 7 5 White and other............................. 89 76 74 78 82 86 87 91 93 95 Elementary (1-8)............................ 4 13 17 11 11 7 5 3 1 d/ High school (9-12).......................... 33 45 44 51 45 45 44 32 31 18 College..................................... 62 42 38 38 41 48 51 65 67 81 Never attended and other.................... d/ d/ 1 e/ 3 d/ d/ d/ d/ d/ At least one vehicle owned or leased........ 93 68 69 79 91 91 95 97 98 99 Average annual expenditures.................. $47,323 $22,631 $18,378 $22,494 $23,068 $29,180 $35,341 $40,189 $51,287 $75,577 Food........................................ 6,168 3,771 3,095 3,465 3,250 4,533 4,859 5,731 6,835 8,986 Food at home............................. 3,580 2,316 2,252 2,576 2,365 3,077 3,156 3,571 3,977 4,516 Cereals and bakery products............ 544 388 290 371 363 470 511 556 575 698 Cereals and cereal products.......... 187 154 123 150 111 166 182 185 189 237 Bakery products...................... 357 234 167 221 251 304 329 371 387 461 Meats, poultry, fish, and eggs......... 935 596 712 859 758 839 819 922 1,088 1,055 Beef................................. 284 213 171 261 258 241 235 278 374 304 Pork................................. 189 118 172 204 150 190 182 199 200 195 Other meats.......................... 116 70 98 91 71 93 116 125 118 140 Poultry.............................. 176 119 110 155 143 152 150 169 199 214 Fish and seafood..................... 131 c/ 49 131 112 103 120 98 107 158 160 Eggs................................. 39 27 30 36 33 43 39 44 40 41 Dairy products......................... 375 247 253 260 233 298 320 388 416 481 Fresh milk and cream................. 141 130 103 119 99 118 128 156 157 161 Other dairy products................. 233 117 150 141 133 180 192 232 260 320 Fruits and vegetables.................. 592 377 314 339 425 533 513 564 637 793 Fresh fruits......................... 186 136 91 97 122 159 172 171 199 254 Fresh vegetables..................... 186 101 92 114 160 183 169 155 203 246 Processed fruits..................... 124 77 67 59 65 99 95 130 134 177 Processed vegetables................. 96 63 63 69 78 92 77 107 101 115 Other food at home..................... 1,134 708 684 746 587 938 993 1,141 1,260 1,490 Sugar and other sweets............... 139 84 91 87 71 102 130 160 163 169 Fats and oils........................ 100 70 64 99 56 103 85 109 108 116 Miscellaneous foods.................. 504 302 294 323 271 443 427 504 561 665 Nonalcoholic beverages............... 314 204 213 199 168 264 302 305 355 396 Food prepared by consumer unit on out-of-town trips................... 77 c/ 47 22 c/ 38 c/ 20 26 49 63 73 145 Food away from home...................... 2,588 1,455 843 890 884 1,456 1,703 2,160 2,858 4,469 Alcoholic beverages......................... 376 219 214 199 213 188 271 254 388 649 Housing..................................... 13,997 8,285 7,048 7,786 7,723 9,424 11,038 11,992 14,211 21,510 Shelter.................................. 7,897 4,728 4,013 4,380 4,477 5,460 6,131 6,610 7,789 12,233 Owned dwellings........................ 5,620 2,456 1,466 1,795 1,913 2,927 3,760 4,422 6,027 9,899 Mortgage interest and charges........ 3,433 1,448 841 1,002 837 1,675 2,360 2,619 3,765 6,128 Property taxes....................... 1,284 662 371 459 436 656 830 970 1,311 2,307 Maintenance, repairs, insurance,other expenses............................ 903 346 254 334 640 596 569 832 951 1,464 Rented dwellings....................... 1,535 2,065 2,394 2,420 2,445 2,391 2,078 1,765 1,077 677 Other lodging.......................... 742 207 154 164 120 142 292 424 685 1,657 Utilities, fuels, and public services.... 2,828 1,934 1,862 1,919 2,213 2,335 2,559 2,776 2,933 3,599 Natural gas............................ 310 204 185 186 204 257 285 256 328 419 Electricity............................ 1,084 733 765 780 929 945 1,014 1,101 1,095 1,321 Fuel oil and other fuels............... 122 96 60 78 131 89 104 132 123 159 Telephone services..................... 961 708 650 690 716 798 873 966 990 1,207 Water and other public services........ 351 193 201 185 233 246 283 322 398 492 Household operations..................... 500 232 166 128 148 174 264 354 478 992 Personal services...................... 135 c/ 28 c/ 38 c/ 12 c/ 54 c/ 42 93 140 187 217 Other household expenses............... 365 204 128 116 94 133 171 214 291 775 Housekeeping supplies.................... 600 268 222 407 257 450 501 609 761 806 Laundry and cleaning supplies.......... 151 104 74 124 89 131 126 150 184 185 Other household products............... 275 95 99 181 123 175 217 324 357 364 Postage and stationery................. 174 c/ 69 50 101 45 144 158 134 219 256 Household furnishings and equipment...... 2,172 1,124 786 951 627 1,004 1,583 1,643 2,251 3,881 Household textiles..................... 160 253 89 92 39 74 49 134 237 237 Furniture.............................. 458 165 178 181 123 238 247 369 446 847 Floor coverings........................ 191 c/ 14 c/ 11 c/ 2 c/ 8 53 c/ 6 c/ 56 97 561 Major appliances....................... 218 c/ 115 141 280 81 112 367 165 235 247 Small appliances, miscellaneous housewares............................ 129 63 25 35 39 85 94 90 208 187 Miscellaneous household equipment...... 1,015 514 342 361 337 441 820 828 1,028 1,802 Apparel and services....................... 2,258 1,709 837 1,121 657 1,484 1,743 1,791 2,371 3,740 Men and boys............................. 581 249 181 177 131 326 395 476 563 1,087 Men, 16 and over....................... 494 c/ 187 137 c/ 111 c/ 86 260 352 402 450 962 Boys, 2 to 15.......................... 87 61 44 65 45 66 44 75 113 126 Women and girls.......................... 913 954 339 542 223 681 740 651 947 1,475 Women, 16 and over..................... 792 c/ 898 312 452 190 601 641 558 819 1,277 Girls, 2 to 15......................... 120 55 26 90 33 80 99 93 128 198 Children under 2......................... 51 c/ 1 c/ 15 c/ 26 c/ 17 c/ 31 55 c/ 50 63 74 Footwear................................. 370 c/ 280 c/ 200 265 c/ 150 269 328 324 402 533 Other apparel products and services...... 343 226 102 111 137 177 224 289 397 571 Transportation............................. 8,894 3,664 3,213 4,462 5,680 5,024 7,228 7,263 10,720 13,377 Vehicle purchases (net outlay)........... 3,899 c/ 1,208 c/ 1,252 2,029 2,894 2,034 3,250 2,998 4,986 5,777 Cars and trucks, new................... 2,018 e/ c/ 620 c/ 724 c/ 1,869 c/ 509 1,072 1,344 2,320 3,739 Cars and trucks, used.................. 1,820 1,208 632 1,306 1,025 1,449 2,143 1,571 2,599 1,947 Other vehicles......................... 61 e/ e/ e/ e/ c/ 75 c/ 36 c/ 82 c/ 67 c/ 90 Gasoline and motor oil................... 1,380 712 652 750 962 1,026 1,165 1,387 1,609 1,837 Other vehicle expenses................... 3,091 1,468 1,023 1,478 1,713 1,750 2,521 2,525 3,650 4,747 Vehicle finance charges................ 421 225 75 160 343 267 373 433 560 551 Maintenance and repairs................ 943 366 344 623 455 558 733 698 1,211 1,409 Vehicle insurance...................... 1,034 603 409 571 705 686 796 910 1,195 1,499 Vehicle rental, leases, licenses, other charges......................... 694 274 195 125 210 239 620 485 683 1,287 Public transportation.................... 524 275 287 205 111 214 292 354 475 1,016 Health care................................ 2,107 1,092 1,046 1,160 1,355 1,571 1,890 2,251 2,121 2,915 Health insurance......................... 878 526 427 435 515 639 846 1,009 956 1,139 Medical services......................... 724 285 347 351 386 486 533 681 682 1,160 Drugs.................................... 365 215 192 275 395 318 393 435 357 407 Medical supplies......................... 141 c/ 66 80 99 60 127 119 127 125 209 Entertainment.............................. 2,397 953 758 794 928 1,497 1,505 1,736 2,893 4,025 Fees and admissions...................... 656 334 119 118 161 364 383 387 658 1,282 Television, radios, sound equipment...... 717 311 384 462 420 472 545 693 908 970 Pets, toys, and playground equipment..... 425 174 132 142 197 326 297 351 563 630 Other entertainment supplies, equipment,and services.................. 598 134 124 72 150 335 280 304 765 1,144 Personal care products and services........ 548 612 244 309 297 355 465 408 660 796 Reading.................................... 217 121 72 72 86 124 153 175 228 367 Education.................................. 1,000 353 c/ 112 146 129 526 555 520 1,145 1,962 Tobacco products and smoking supplies...... 332 275 390 327 354 346 365 378 326 294 Miscellaneous.............................. 1,129 666 284 952 704 911 909 1,303 1,171 1,502 Cash contributions......................... 1,566 c/ 148 454 614 294 815 705 1,333 1,593 2,973 Personal insurance and pensions............ 6,333 762 610 1,088 1,397 2,381 3,653 5,054 6,624 12,482 Life and other personal insurance........ 597 398 192 253 235 291 408 394 552 1,098 Pensions and Social Security............. 5,737 364 417 835 1,162 2,090 3,245 4,660 6,072 11,384 Sources of income and personal taxes: a/ Money income before taxes................. 57,004 -725 7,613 12,466 17,598 24,882 34,480 44,510 58,809 110,338 Wages and salaries....................... 49,726 2,347 2,586 7,482 12,080 20,410 29,934 39,577 53,056 97,033 Self-employment income................... 3,729 -4,308 515 868 799 1,434 1,784 1,884 2,676 9,014 Social Security, private and government retirement................... 1,621 c/ 217 1,952 2,301 2,383 1,573 1,508 1,475 1,670 1,550 Interest, dividends, rental income, other property income................... 862 c/ 72 129 54 450 138 390 735 497 2,008 Unemployment and workers'' compensation, veterans'' benefits..................... 288 c/ 187 222 307 370 411 283 299 345 210 Public assistance, supplemental security, income, food stamps..................... 348 480 1,883 1,133 1,073 340 123 251 177 c/ 35 Regular contributions for support........ 228 c/ 148 c/ 106 c/ 98 176 407 295 142 242 215 Other income............................. 202 c/ 133 218 223 267 170 162 146 146 272 Personal taxes............................. 5,159 157 26 -16 708 1,209 2,449 4,099 5,106 11,195 Federal income taxes..................... 3,986 37 -15 -166 495 840 1,855 3,090 4,027 8,727 State and local income taxes............. 992 18 2 64 142 286 524 844 896 2,132 Other taxes.............................. 181 c/ 102 39 86 71 83 69 165 183 336 Income after taxes.......................... 51,845 -881 7,587 12,482 16,890 23,673 32,031 40,412 53,704 99,143 Net change in total assets and liabilities.. -2,465 3,455 2,293 2,594 -1,461 -1,595 -2,763 -477 -6,688 -3,363 Net change in total assets............... 4,986 2,663 2,961 4,136 -640 3,356 2,712 3,545 3,595 9,489 Net change in total liabilities.......... 7,451 -792 668 1,542 821 4,950 5,475 4,022 10,283 12,852 Other financial information: Other money receipts..................... 779 c/ 42 190 c/ 24 c/ 202 399 842 835 704 1,327 Mortgage principal paid on owned property................................ -1,930 -599 -400 -634 -562 -842 -1,062 -1,322 -1,808 -3,835 Estimated market value of owned home..... 100,416 46,743 34,333 35,101 41,789 45,941 64,701 81,384 101,887 179,400 Estimated monthly rental value of owned home.............................. 698 344 242 311 309 386 496 580 735 1,166 Gifts of goods and services................. 1,756 628 385 781 488 647 1,266 1,408 1,944 3,154 Food..................................... 189 c/ 13 c/ 28 34 45 48 86 172 167 399 Housing.................................. 446 191 143 171 212 198 315 356 448 797 Housekeeping supplies.................. 51 c/ 16 c/ 6 c/ 13 c/ 33 29 48 45 54 86 Household textiles..................... 15 c/ 7 d/ c/ 8 c/ 1 c/ 7 c/ 12 c/ 3 30 22 Appliances and miscellaneous housewares............................ 44 c/ 15 c/ 5 c/ 5 c/ 29 c/ 45 42 c/ 13 80 57 Major appliances..................... 11 e/ c/ 2 c/ 1 c/ 27 d/ c/ 25 d/ 22 9 Small appliances and miscellaneous housewares.......................... 34 c/ 15 c/ 4 c/ 4 c/ 2 c/ 45 17 c/ 12 58 48 Miscellaneous household equipment...... 96 c/ 81 14 c/ 44 64 40 58 74 97 174 Other housing.......................... 239 c/ 73 118 101 85 77 157 221 187 457 Apparel and services..................... 322 c/ 152 92 232 61 183 301 298 353 506 Males, 2 and over...................... 93 c/ 42 33 c/ 23 c/ 12 66 56 96 97 161 Females, 2 and over.................... 117 c/ 46 c/ 26 c/ 80 13 75 146 111 97 191 Children under 2....................... 36 e/ c/ 8 c/ 10 c/ 14 c/ 15 39 c/ 35 44 56 Other apparel products and services.... 75 c/ 64 c/ 25 c/ 119 c/ 22 26 60 57 114 98 Jewelry and watches.................. 34 c/ 33 c/ 5 c/ 4 c/ 12 c/ 12 13 34 84 36 All other apparel products and services............................ 41 c/ 31 c/ 20 c/ 115 c/ 11 c/ 14 c/ 48 c/ 22 c/ 31 62 Transportation........................... 75 5 8 199 24 20 22 58 115 105 Health care.............................. 51 c/ 24 c/ 2 c/ 2 c/ 2 c/ 12 c/ 70 48 18 107 Entertainment............................ 134 c/ 87 41 c/ 41 51 51 206 103 121 211 Toys, games, hobbies, and tricycles.... 38 c/ 25 28 c/ 11 c/ 18 28 37 42 46 48 Other entertainment.................... 96 c/ 61 c/ 13 c/ 30 32 23 168 61 75 163 Education................................ 392 c/ 89 c/ 40 c/ 25 c/ 40 c/ 74 c/ 152 226 538 796 All other gifts.......................... 149 67 31 75 53 63 113 147 184 232 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.05. c/ Data are likely to have large sampling errors. d/ Value less than 0.5. e/ No data reported.