Table 27. Consumer units with reference person age 35 to 44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 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)...... 18,558 591 870 1,038 1,040 2,528 2,404 2,122 3,433 4,533 Income before taxes a/ ...................... $52,216 $1,152 $7,662 $12,638 $17,447 $24,584 $34,497 $44,313 $58,412 $108,269 Income after taxes a/ ....................... 48,167 990 7,711 12,787 17,058 23,653 32,664 41,672 53,807 97,974 Age of the reference person.................. 39.5 39.1 39.4 39.5 39.2 39.3 39.4 39.6 39.6 39.8 Average number in consumer unit: Persons..................................... 3.2 2.8 2.4 3.0 3.0 3.1 3.0 3.2 3.4 3.6 Children under 18........................... 1.3 1.2 .9 1.4 1.4 1.3 1.2 1.3 1.4 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.7 1.2 .9 1.2 1.4 1.5 1.7 1.8 2.0 2.0 Vehicles.................................... 2.2 1.4 1.1 1.2 1.6 1.8 2.2 2.4 2.6 2.8 Percent distribution: Male........................................ 59 45 41 41 46 53 57 61 67 69 Female...................................... 41 55 59 59 54 47 43 39 33 31 Homeowner................................... 68 45 30 37 41 57 62 68 81 90 With mortgage.............................. 57 29 16 23 28 42 51 58 72 82 Without mortgage........................... 11 16 13 14 13 15 11 10 9 8 Renter...................................... 32 55 70 63 59 43 38 32 19 10 Black....................................... 12 18 25 23 21 16 13 9 8 5 White and other............................. 88 82 75 77 79 84 87 91 92 95 Elementary (1-8)............................ 3 3 10 10 9 5 4 2 1 c/ High school (9-12).......................... 37 53 56 59 54 50 39 37 32 19 College..................................... 59 44 33 30 36 46 57 61 67 81 Never attended and other.................... c/ d/ 1 1 1 d/ d/ d/ c/ c/ At least one vehicle owned or leased........ 92 73 61 72 86 90 97 96 98 97 Average annual expenditures.................. $44,920 $23,949 $18,379 $20,390 $25,450 $28,479 $34,910 $40,994 $50,010 $75,542 Food........................................ 6,179 4,167 4,391 3,538 4,532 4,471 5,003 5,821 6,989 9,017 Food at home............................. 3,541 2,778 3,033 2,332 2,947 2,837 2,976 3,518 3,953 4,599 Cereals and bakery products............ 562 427 516 391 438 447 456 528 649 738 Cereals and cereal products.......... 205 178 266 163 166 160 178 196 224 247 Bakery products...................... 357 249 250 228 272 286 278 332 424 491 Meats, poultry, fish, and eggs......... 894 757 917 672 851 748 776 907 971 1,060 Beef................................. 261 171 271 167 228 213 219 272 322 305 Pork................................. 182 176 222 131 213 166 181 193 183 185 Other meats.......................... 116 118 93 95 103 98 103 104 130 141 Poultry.............................. 174 138 166 155 153 150 141 167 184 220 Fish and seafood..................... 122 115 124 90 111 82 92 133 116 171 Eggs................................. 38 39 41 35 43 38 40 39 35 39 Dairy products......................... 407 282 311 278 319 318 342 396 472 538 Fresh milk and cream................. 161 130 134 131 138 129 140 154 186 196 Other dairy products................. 246 152 178 147 181 190 202 242 286 342 Fruits and vegetables.................. 562 480 419 333 441 472 497 568 575 763 Fresh fruits......................... 171 160 109 91 128 145 149 163 173 243 Fresh vegetables..................... 168 143 157 102 140 144 156 164 166 219 Processed fruits..................... 123 101 74 73 86 96 105 126 125 180 Processed vegetables................. 100 75 78 66 86 87 87 115 111 121 Other food at home..................... 1,115 833 870 658 899 852 906 1,119 1,287 1,500 Sugar and other sweets............... 141 89 125 100 105 112 101 141 182 179 Fats and oils........................ 94 76 96 58 102 79 82 106 103 105 Miscellaneous foods.................. 518 391 342 290 431 372 414 519 595 729 Nonalcoholic beverages............... 307 248 285 198 243 249 268 308 349 384 Food prepared by consumer unit on out-of-town trips................... 55 e/ 28 e/ 22 e/ 13 18 40 41 45 59 102 Food away from home.................... 2,638 1,389 1,359 1,206 1,585 1,634 2,026 2,303 3,035 4,418 Alcoholic beverages......................... 397 321 252 119 155 253 283 369 415 707 Housing..................................... 14,346 8,662 7,031 7,902 8,563 9,952 10,883 12,397 14,998 24,046 Shelter.................................. 8,479 5,279 4,043 4,823 5,188 5,711 6,541 7,385 8,693 14,261 Owned dwellings........................ 6,000 2,655 1,228 1,524 2,095 2,971 3,880 4,724 6,760 12,107 Mortgage interest and charges........ 3,978 1,692 680 761 1,228 1,858 2,656 3,196 4,692 7,984 Property taxes....................... 1,181 620 315 436 564 639 734 863 1,245 2,374 Maintenance, repairs, insurance,other expenses............................ 841 343 232 327 302 473 490 665 823 1,750 Rented dwellings....................... 2,083 2,433 2,767 3,241 2,957 2,611 2,487 2,408 1,533 1,195 Other lodging.......................... 396 e/ 191 e/ 48 57 137 129 174 254 401 958 Utilities, fuels, and public services.... 2,648 1,970 1,723 1,946 1,963 2,322 2,355 2,574 2,869 3,435 Natural gas............................ 288 197 186 191 232 238 240 276 313 395 Electricity............................ 990 763 712 839 751 911 920 969 1,077 1,185 Fuel oil and other fuels............... 81 e/ 82 e/ 48 43 42 82 54 93 104 97 Telephone services..................... 964 724 623 698 742 848 874 929 1,005 1,269 Water and other public services........ 325 204 154 175 197 243 267 307 370 489 Household operations..................... 817 300 272 159 349 285 373 537 743 1,967 Personal services...................... 502 214 195 e/ 58 246 169 205 359 444 1,211 Other household expenses............... 316 86 77 101 103 116 168 178 299 756 Housekeeping supplies.................... 629 292 334 310 323 382 473 522 810 1,027 Laundry and cleaning supplies.......... 153 96 114 108 147 126 130 144 178 195 Other household products............... 310 123 127 133 117 172 195 231 443 541 Postage and stationery................. 166 74 93 69 59 84 149 147 189 291 Household furnishings and equipment...... 1,773 820 659 665 738 1,252 1,140 1,378 1,883 3,356 Household textiles..................... 119 55 36 30 108 64 82 71 118 241 Furniture.............................. 453 254 93 169 179 361 338 277 421 896 Floor coverings........................ 50 e/ 61 e/ 24 e/ 22 e/ 7 21 42 36 49 100 Major appliances....................... 202 122 144 81 94 166 117 144 201 370 Small appliances, miscellaneous housewares............................ 103 73 33 24 65 47 75 91 103 204 Miscellaneous household equipment...... 846 256 329 338 286 594 487 759 991 1,546 Apparel and services........................ 2,219 1,724 1,065 1,351 1,648 1,411 2,000 2,065 2,172 3,531 Men and boys............................. 547 267 231 274 361 345 433 469 598 932 Men, 16 and over....................... 367 e/ 124 e/ 121 186 161 212 288 327 426 648 Boys, 2 to 15.......................... 180 143 110 88 199 133 145 142 172 284 Women and girls.......................... 853 1,090 395 426 608 485 798 848 858 1,305 Women, 16 and over..................... 640 918 288 335 470 299 646 667 635 966 Girls, 2 to 15......................... 212 172 107 91 138 186 151 180 223 339 Children under 2......................... 92 e/ 87 e/ 39 e/ 104 e/ 48 66 58 91 79 157 Footwear................................. 411 e/ 103 272 353 459 322 530 428 339 510 Other apparel products and services...... 317 176 129 194 173 191 181 230 299 627 Transportation.............................. 8,296 4,308 2,345 3,109 5,027 5,404 6,732 8,124 9,643 13,398 Vehicle purchases (net outlay)........... 3,935 e/ 1,726 1,026 1,226 2,446 2,480 2,889 3,853 4,656 6,599 Cars and trucks, new................... 1,786 e/ 793 e/ 8 d/ e/ 469 710 1,118 1,494 2,038 3,867 Cars and trucks, used.................. 2,114 934 1,018 1,226 1,976 1,759 1,731 2,291 2,590 2,670 Other vehicles......................... 35 d/ d/ d/ d/ e/ 12 e/ 41 e/ 69 e/ 28 e/ 61 Gasoline and motor oil................... 1,260 859 532 639 883 970 1,205 1,356 1,463 1,672 Other vehicle expenses................... 2,704 1,532 673 1,060 1,539 1,758 2,371 2,639 3,174 4,269 Vehicle finance charges................ 407 264 43 100 196 248 363 423 540 619 Maintenance and repairs................ 809 458 230 466 522 572 797 835 925 1,147 Vehicle insurance...................... 854 496 235 367 539 636 812 891 1,043 1,186 Vehicle rental, leases, licenses, other charges.............................. 634 314 165 127 282 301 399 490 666 1,316 Public transportation.................... 398 191 114 184 159 197 267 277 350 859 Health care................................. 1,728 954 616 834 924 1,250 1,438 1,723 2,097 2,582 Health insurance......................... 787 382 278 305 434 607 727 800 896 1,172 Medical services......................... 564 335 179 196 257 383 428 525 722 896 Drugs.................................... 266 193 125 219 200 203 207 307 335 325 Medical supplies......................... 112 e/ 44 e/ 33 114 34 58 77 91 145 188 Entertainment............................... 2,419 1,130 938 936 1,020 1,259 1,616 2,227 2,992 4,286 Fees and admissions...................... 557 272 182 144 139 241 313 423 597 1,201 Television, radios, sound equipment...... 741 446 346 406 506 573 619 652 919 1,051 Pets, toys, and playground equipment..... 475 230 222 184 256 298 315 489 525 820 Other entertainment supplies, equipment,and services.................. 646 182 188 201 119 148 370 663 951 1,214 Personal care products and services......... 499 453 318 269 219 285 458 414 547 818 Reading..................................... 170 108 45 62 63 114 125 150 199 295 Education................................... 614 177 106 180 407 262 345 572 601 1,286 Tobacco products and smoking supplies....... 375 445 405 446 432 372 387 393 449 261 Miscellaneous............................... 1,048 488 299 451 605 648 1,015 1,095 1,240 1,578 Cash contributions.......................... 1,070 522 136 330 390 459 923 755 1,210 2,105 Personal insurance and pensions............. 5,559 491 431 862 1,466 2,339 3,701 4,889 6,458 11,632 Life and other personal insurance........ 429 285 69 88 190 196 301 325 478 861 Pensions and Social Security............. 5,130 206 362 775 1,275 2,143 3,400 4,564 5,981 10,771 Sources of income and personal taxes: a/ Money income before taxes.................. 52,216 1,152 7,662 12,638 17,447 24,584 34,497 44,313 58,412 108,269 Wages and salaries....................... 47,066 1,930 3,429 8,240 13,727 21,201 30,949 40,132 54,358 98,550 Self-employment income................... 2,991 -1,749 294 638 1,052 1,527 2,066 2,262 2,636 7,026 Social Security, private and government retirement................... 619 e/ 138 1,530 1,458 692 782 412 775 377 427 Interest, dividends, rental income, other property income................... 354 -12 148 74 42 28 118 160 267 1,041 Unemployment and workers'' compensation, veterans'' benefits..................... 204 e/ 69 e/ 54 124 281 144 338 301 182 186 Public assistance, supplemental security, income, food stamps..................... 353 493 1,673 1,475 883 398 220 235 67 20 Regular contributions for support........ 385 117 290 368 556 398 300 317 423 442 Other income............................. 245 e/ 167 244 260 215 106 95 131 101 576 Personal taxes............................. 4,049 162 -49 -150 389 930 1,834 2,640 4,605 10,295 Federal income taxes..................... 3,085 51 -127 -184 29 600 1,322 1,968 3,401 8,152 State and local income taxes............. 814 25 40 16 132 234 405 587 1,033 1,884 Other taxes.............................. 150 86 e/ 38 19 227 96 106 86 171 259 Income after taxes......................... 48,167 990 7,711 12,787 17,058 23,653 32,664 41,672 53,807 97,974 Net change in total assets and liabilities... -2,353 -3,989 -1,109 219 -1,115 -981 -3,908 -4,872 -4,062 -718 Net change in total assets............... 10,131 -4,727 948 2,957 883 4,871 3,195 5,626 11,511 25,268 Net change in total liabilities.......... 12,484 -738 2,057 2,739 1,997 5,852 7,103 10,499 15,573 25,986 Other financial information: Other money receipts..................... 308 e/ 131 415 e/ 79 73 135 109 195 433 577 Mortgage principal paid on owned property................................ -1,574 -632 -396 -302 -518 -749 -985 -1,267 -1,679 -3,293 Estimated market value of owned home..... 88,710 48,825 25,185 24,696 33,056 47,960 53,884 68,128 96,188 178,680 Estimated monthly rental value of owned home.................................... 642 357 173 216 286 370 420 532 747 1,188 Gifts of goods and services................. 986 400 280 424 374 504 660 773 1,029 1,993 Food..................................... 52 e/ 17 e/ 18 e/ 20 e/ 12 23 24 40 82 97 Housing.................................. 287 132 96 141 117 167 189 269 299 542 Housekeeping supplies.................. 60 e/ 21 e/ 40 e/ 19 e/ 14 45 31 41 87 105 Household textiles..................... 11 e/ 6 e/ 1 d/ e/ 3 e/ 2 31 e/ 6 12 14 Appliances and miscellaneous housewares........................... 29 e/ 8 e/ 3 e/ 3 e/ 2 28 15 43 31 49 Major appliances..................... 9 d/ d/ e/ 3 d/ e/ 14 e/ 4 e/ 22 e/ 10 8 Small appliances and miscellaneous housewares......................... 20 e/ 8 e/ 3 c/ e/ 2 14 e/ 11 21 21 41 Miscellaneous household equipment...... 69 13 e/ 17 11 16 33 18 97 77 143 Other housing.......................... 118 86 35 108 81 60 93 83 91 230 Apparel and services..................... 220 88 80 121 97 146 151 221 210 405 Males, 2 and over...................... 46 e/ 3 e/ 20 e/ 24 12 31 23 40 34 105 Females, 2 and over.................... 82 e/ 23 e/ 47 e/ 13 e/ 31 51 52 76 76 168 Children under 2....................... 42 e/ 10 e/ 4 e/ 6 e/ 13 36 29 30 40 87 Other apparel products and services.... 49 e/ 52 e/ 9 e/ 78 e/ 41 28 47 74 60 45 Jewelry and watches.................. 21 e/ 15 e/ 4 e/ 8 e/ 5 12 11 54 25 23 All other apparel products and services............................ 29 e/ 38 e/ 5 e/ 70 e/ 36 e/ 16 e/ 36 e/ 20 35 23 Transportation........................... 39 24 4 3 14 12 17 19 82 65 Health care.............................. 26 e/ 2 e/ 13 e/ 9 e/ 7 e/ 6 37 e/ 17 23 52 Entertainment............................ 88 36 23 e/ 33 42 57 84 50 106 156 Toys, games, hobbies, and tricycles.... 29 e/ 11 e/ 13 e/ 16 9 23 26 17 35 47 Other entertainment.................... 59 25 e/ 10 e/ 17 33 33 58 33 71 109 Education................................ 120 e/ 5 e/ 9 e/ 5 e/ 29 e/ 16 48 58 83 359 All other gifts.......................... 153 96 38 90 56 77 110 100 145 317 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. n.a. Not applicable.