Table 36. Consumer units of two or more persons 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)...... 59,834 1,668 3,093 4,521 5,038 8,953 7,493 6,134 10,255 12,680 Income before taxes a/ ...................... $48,290 $1,752 $7,803 $12,583 $17,509 $24,723 $34,782 $44,507 $58,582 $107,378 Income after taxes a/ ....................... 44,530 1,536 7,876 12,525 17,241 23,934 32,814 41,358 54,040 96,691 Age of the reference person.................. 46.6 41.9 47.7 50.5 51.6 49.2 45.9 44.3 44.0 45.4 Average number in consumer unit: Persons..................................... 3.1 3.1 2.9 3.0 2.9 3.0 3.2 3.2 3.3 3.2 Children under 18........................... 1.0 1.2 1.1 1.0 .9 .9 1.0 1.0 1.0 .9 Persons 65 and over......................... .3 .2 .3 .5 .6 .5 .3 .2 .2 .1 Earners..................................... 1.6 1.1 .9 1.0 1.0 1.4 1.7 1.9 2.0 2.2 Vehicles.................................... 2.4 1.6 1.4 1.6 1.8 2.1 2.4 2.6 2.8 3.0 Percent distribution: Male........................................ 65 40 38 50 59 63 69 69 71 75 Female...................................... 35 60 62 50 41 37 31 31 29 25 Homeowner................................... 71 43 43 53 60 64 69 75 82 90 With mortgage.............................. 46 20 14 21 21 29 43 53 64 75 Without mortgage........................... 25 23 29 32 39 35 26 22 18 15 Renter...................................... 29 57 57 47 40 36 31 25 18 10 Black....................................... 11 22 24 21 14 14 10 9 7 6 White and other............................. 89 78 76 79 86 86 90 91 93 94 Elementary (1-8)............................ 7 10 18 17 15 10 6 3 2 1 High school (9-12).......................... 40 55 55 56 53 50 45 41 33 20 College..................................... 53 35 27 26 32 40 49 56 65 79 Never attended and other.................... b/ 1 1 1 1 b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 93 70 72 82 91 93 96 98 99 99 Average annual expenditures.................. $42,557 $25,368 $19,782 $21,755 $24,982 $29,428 $35,378 $41,696 $49,583 $73,099 Food........................................ 5,871 4,122 3,722 3,713 4,226 4,618 5,451 5,927 6,599 8,591 Food at home............................. 3,524 2,753 2,660 2,798 2,953 3,090 3,473 3,489 3,842 4,430 Cereals and bakery products............ 544 429 395 414 450 469 545 550 583 701 Cereals and cereal products.......... 193 160 157 164 175 163 195 186 205 239 Bakery products...................... 351 269 238 249 275 306 350 364 378 462 Meats, poultry, fish, and eggs......... 915 757 776 804 854 848 916 865 984 1,055 Beef................................. 277 221 196 234 245 262 285 269 331 299 Pork................................. 191 151 200 197 196 183 197 182 187 202 Other meats.......................... 117 97 99 92 100 104 119 122 124 140 Poultry.............................. 175 133 144 162 157 155 173 162 187 214 Fish and seafood..................... 114 118 97 81 114 101 98 90 117 161 Eggs................................. 40 37 40 38 41 42 44 40 38 39 Dairy products......................... 387 299 285 316 309 332 375 394 432 487 Fresh milk and cream................. 157 142 126 142 137 143 161 163 167 176 Other dairy products................. 230 157 159 174 172 189 214 231 265 311 Fruits and vegetables.................. 577 454 400 459 484 515 565 538 605 770 Fresh fruits......................... 181 138 113 145 142 166 179 163 197 241 Fresh vegetables..................... 176 139 124 140 157 163 173 149 179 241 Processed fruits..................... 122 107 85 86 102 96 116 126 128 172 Processed vegetables................. 98 70 79 89 83 91 97 100 102 116 Other food at home..................... 1,100 815 803 805 856 926 1,072 1,142 1,238 1,418 Sugar and other sweets............... 139 96 113 100 117 120 135 137 162 171 Fats and oils........................ 98 85 80 84 98 90 100 97 104 109 Miscellaneous foods.................. 500 362 351 354 368 417 487 536 566 653 Nonalcoholic beverages............... 298 233 237 242 232 259 298 314 329 360 Food prepared by consumer unit on out-of-town trips................... 66 38 22 26 41 40 52 58 77 125 Food away from home...................... 2,347 1,369 1,062 915 1,273 1,528 1,978 2,438 2,757 4,161 Alcoholic beverages......................... 348 262 155 133 189 231 277 314 400 653 Housing..................................... 13,162 9,092 7,218 7,711 8,278 9,250 10,944 12,419 14,581 22,322 Shelter.................................. 7,244 5,241 3,684 4,092 4,382 4,888 5,924 6,639 7,923 12,825 Owned dwellings........................ 4,931 2,522 1,304 1,757 1,988 2,539 3,574 4,424 5,913 10,374 Mortgage interest and charges........ 2,921 1,345 511 766 709 1,178 1,973 2,683 3,753 6,599 Property taxes....................... 1,144 605 419 535 707 727 832 986 1,232 2,267 Maintenance, repairs, insurance,other expenses............................ 865 572 374 455 573 635 769 755 928 1,509 Rented dwellings....................... 1,792 2,529 2,267 2,184 2,181 2,126 2,092 1,853 1,501 1,079 Other lodging.......................... 521 190 113 152 212 223 258 362 508 1,372 Utilities, fuels, and public services.... 2,738 2,095 2,024 2,093 2,232 2,447 2,583 2,744 2,968 3,537 Natural gas............................ 330 235 256 241 276 310 297 330 345 434 Electricity............................ 1,043 864 820 865 902 954 1,007 1,062 1,103 1,266 Fuel oil and other fuels............... 114 82 76 90 93 106 112 114 123 143 Telephone services..................... 911 707 664 672 704 788 856 900 1,011 1,209 Water and other public services........ 341 208 208 225 258 289 310 338 387 486 Household operations..................... 680 352 252 286 303 362 411 573 748 1,497 Personal services...................... 361 176 133 169 174 204 232 347 457 699 Other household expenses............... 319 176 119 117 129 158 178 227 291 797 Housekeeping supplies.................... 575 332 299 352 371 431 528 591 696 863 Laundry and cleaning supplies.......... 152 109 102 110 117 123 145 164 182 191 Other household products............... 263 141 130 173 168 185 222 270 320 412 Postage and stationery................. 161 82 67 68 86 123 161 156 194 260 Household furnishings and equipment...... 1,924 1,071 960 888 990 1,123 1,499 1,872 2,246 3,599 Household textiles..................... 136 116 57 64 78 83 92 110 165 261 Furniture.............................. 449 183 147 201 244 260 338 390 487 926 Floor coverings........................ 138 c/ 38 167 46 29 43 127 129 100 329 Major appliances....................... 209 191 138 183 150 148 201 225 246 265 Small appliances, miscellaneous housewares............................ 109 171 47 38 64 67 84 90 146 187 Miscellaneous household equipment...... 883 372 405 355 424 521 658 928 1,101 1,630 Apparel and services....................... 2,086 1,439 1,085 961 1,172 1,463 1,848 1,969 2,510 3,492 Men and boys............................. 491 203 219 201 239 326 405 482 586 901 Men, 16 and over....................... 376 110 154 120 160 226 305 353 464 733 Boys, 2 to 15.......................... 116 93 65 81 79 100 101 129 121 167 Women and girls.......................... 802 748 384 355 383 559 713 749 989 1,346 Women, 16 and over..................... 656 593 314 283 270 459 576 583 833 1,127 Girls, 2 to 15......................... 145 155 70 71 113 100 137 166 157 219 Children under 2......................... 108 75 75 88 75 98 124 106 121 131 Footwear................................. 366 228 224 197 315 305 374 393 410 487 Other apparel products and services...... 319 185 183 121 159 174 232 239 403 627 Transportation............................. 8,083 4,581 3,221 4,270 4,674 5,941 7,104 8,492 9,936 12,845 Vehicle purchases (net outlay)........... 3,592 2,117 1,340 2,014 2,062 2,790 3,168 3,956 4,510 5,405 Cars and trucks, new................... 1,627 c/ 310 c/ 325 758 539 991 1,180 1,487 2,113 3,249 Cars and trucks, used.................. 1,910 1,807 999 1,252 1,470 1,753 1,970 2,397 2,332 2,053 Other vehicles......................... 55 d/ c/ 16 c/ 4 c/ 54 c/ 46 c/ 17 c/ 72 65 103 Gasoline and motor oil................... 1,281 823 739 789 889 1,019 1,230 1,418 1,554 1,731 Other vehicle expenses................... 2,750 1,413 971 1,316 1,506 1,856 2,418 2,779 3,428 4,638 Vehicle finance charges................ 400 225 94 133 193 253 421 483 584 577 Maintenance and repairs................ 812 471 354 522 479 605 763 763 975 1,279 Vehicle insurance...................... 917 487 336 484 597 710 861 974 1,125 1,380 Vehicle rental, leases, licenses, other charges......................... 621 231 186 176 236 288 373 559 744 1,402 Public transportation.................... 460 227 171 151 217 276 289 339 443 1,071 Health care................................ 2,203 1,312 1,359 1,649 2,211 2,139 2,012 2,277 2,266 2,788 Health insurance......................... 1,050 598 645 835 1,031 1,102 1,026 1,082 1,091 1,220 Medical services......................... 629 373 358 312 539 484 475 651 707 997 Drugs.................................... 395 270 287 420 522 453 385 405 341 378 Medical supplies......................... 129 71 70 83 119 101 126 139 127 193 Entertainment.............................. 2,163 1,175 755 1,013 1,017 1,311 1,508 2,093 2,669 4,121 Fees and admissions...................... 538 282 152 116 213 274 334 448 635 1,217 Television, radios, sound equipment...... 656 405 315 445 404 510 617 641 793 973 Pets, toys, and playground equipment..... 421 222 178 186 227 294 331 443 512 726 Other entertainment supplies, equipment,and services.................. 548 266 110 266 174 234 226 562 729 1,205 Personal care products and services........ 498 463 321 299 297 357 475 463 553 791 Reading.................................... 187 95 73 79 106 128 149 159 222 348 Education.................................. 619 325 293 133 286 368 411 521 757 1,279 Tobacco products and smoking supplies...... 316 339 331 314 288 300 366 345 341 270 Miscellaneous.............................. 979 808 549 402 544 731 858 1,117 1,205 1,480 Cash contributions......................... 1,231 667 235 357 634 747 966 1,223 1,318 2,530 Personal insurance and pensions............ 4,811 688 464 722 1,061 1,842 3,009 4,377 6,227 11,591 Life and other personal insurance........ 492 328 157 192 258 324 340 501 556 950 Pensions and Social Security............. 4,319 360 307 530 803 1,518 2,669 3,876 5,671 10,641 Sources of income and personal taxes: a/ Money income before taxes................. 48,290 1,752 7,803 12,583 17,509 24,723 34,782 44,507 58,582 107,378 Wages and salaries....................... 39,093 1,953 2,468 5,214 8,606 15,684 26,223 36,622 50,645 93,095 Self-employment income................... 2,567 -2,037 179 324 510 967 1,349 1,973 2,370 7,671 Social Security, private and government retirement................... 4,620 607 2,657 4,975 6,961 6,688 5,735 4,397 3,605 3,378 Interest, dividends, rental income, other property income................... 870 49 94 108 154 371 488 683 1,051 2,245 Unemployment and workers'' compensation, veterans'' benefits..................... 222 55 108 144 229 209 250 279 265 228 Public assistance, supplemental security, income, food stamps..................... 420 779 1,914 1,446 646 357 268 180 130 39 Regular contributions for support........ 279 115 162 234 243 310 272 233 320 330 Other income............................. 218 231 221 138 160 137 197 140 196 390 Personal taxes............................. 3,760 216 -73 58 268 789 1,967 3,149 4,542 10,687 Federal income taxes..................... 2,853 110 -155 -63 68 483 1,408 2,365 3,479 8,349 State and local income taxes............. 736 11 14 49 88 184 423 636 892 2,005 Other taxes.............................. 171 95 68 72 112 122 137 148 171 333 Income after taxes.......................... 44,530 1,536 7,876 12,525 17,241 23,934 32,814 41,358 54,040 96,691 Net change in total assets and liabilities.. -981 6,846 -210 -709 2,178 207 -528 -402 -3,807 -2,650 Net change in total assets............... 7,347 11,481 1,014 1,348 3,111 3,376 5,203 6,124 5,988 17,932 Net change in total liabilities.......... 8,328 4,636 1,225 2,057 933 3,170 5,731 6,525 9,794 20,582 Other financial information: Other money receipts..................... 609 1,238 59 151 276 203 433 491 945 1,132 Mortgage principal paid on owned property................................ -1,381 -513 -365 -381 -401 -543 -869 -1,159 -1,614 -3,301 Estimated market value of owned home..... 90,919 51,241 37,219 43,520 52,955 60,452 67,674 78,267 97,968 176,891 Estimated monthly rental value of owned home.............................. 639 342 257 320 395 437 497 593 713 1,169 Gifts of goods and services................. 1,150 526 579 458 486 691 840 976 1,331 2,332 Food..................................... 93 c/ 10 22 24 38 42 51 88 107 220 Housing.................................. 329 189 155 145 146 184 242 325 368 652 Housekeeping supplies.................. 48 17 23 18 26 30 38 59 55 84 Household textiles..................... 17 c/ 4 c/ 3 c/ 3 4 10 16 19 22 32 Appliances and miscellaneous housewares............................ 34 c/ 6 c/ 20 6 16 17 27 30 49 65 Major appliances..................... 8 d/ c/ 2 c/ 2 10 4 10 11 9 11 Small appliances and miscellaneous housewares.......................... 26 c/ 6 c/ 18 4 6 14 17 19 40 54 Miscellaneous household equipment...... 79 35 28 22 25 41 41 91 99 169 Other housing.......................... 151 127 83 96 76 86 120 126 143 302 Apparel and services..................... 250 149 178 135 115 178 205 227 277 444 Males, 2 and over...................... 64 22 36 29 21 51 46 58 61 132 Females, 2 and over.................... 92 83 47 39 42 44 80 98 103 172 Children under 2....................... 41 c/ 23 c/ 15 35 29 34 47 38 47 58 Other apparel products and services.... 53 c/ 22 80 33 23 49 31 34 67 82 Jewelry and watches.................. 21 c/ 14 c/ 57 4 5 14 13 10 24 37 All other apparel products and services............................ 32 c/ 8 c/ 23 c/ 29 c/ 18 35 18 24 43 45 Transportation........................... 65 32 19 46 28 87 34 40 93 92 Health care.............................. 28 c/ 5 c/ 9 c/ 11 17 14 20 23 26 64 Entertainment............................ 95 47 42 33 49 59 74 94 107 184 Toys, games, hobbies, and tricycles.... 37 15 16 17 16 28 32 34 48 61 Other entertainment.................... 59 32 27 17 33 31 42 60 59 124 Education................................ 162 c/ 37 c/ 105 c/ 15 c/ 40 27 45 75 219 451 All other gifts.......................... 129 57 48 49 53 99 169 105 133 223 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.5. c/ Data are likely to have large sampling errors. d/ No data reported.