Table 29. Consumer units with reference person age 55 to 64 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)...... 9,768 417 1,024 912 803 1,410 1,049 961 1,161 2,032 Income before taxes a/ ...................... $46,870 $2,102 $7,647 $12,455 $17,221 $24,669 $34,478 $44,481 $58,787 $119,082 Income after taxes a/ ....................... 43,041 810 7,583 12,172 16,713 23,463 32,605 41,312 54,263 107,189 Age of the reference person.................. 59.3 59.5 60.4 59.8 59.6 60.0 59.0 59.0 58.7 58.5 Average number in consumer unit: Persons..................................... 2.1 1.6 1.7 2.0 2.0 2.0 2.2 2.2 2.4 2.5 Children under 18........................... .2 b/ .1 .2 .3 .2 .1 .2 .1 .2 .2 Persons 65 and over......................... .1 b/ .1 b/ .1 .1 .2 .1 .1 .1 .1 .1 Earners..................................... 1.3 .7 .5 .8 .9 1.1 1.4 1.5 1.8 2.0 Vehicles.................................... 2.2 1.3 1.2 1.9 1.7 2.3 2.1 2.6 2.6 2.9 Percent distribution: Male........................................ 59 39 40 42 45 58 61 66 69 76 Female...................................... 41 61 60 58 55 42 39 34 31 24 Homeowner................................... 78 54 54 63 65 82 83 84 87 94 With mortgage.............................. 39 17 14 19 22 32 42 44 51 66 Without mortgage........................... 39 37 40 43 43 51 41 40 35 28 Renter...................................... 22 46 46 37 35 18 17 16 13 6 Black....................................... 10 14 18 15 12 7 8 7 9 5 White and other............................. 90 86 82 85 88 93 92 93 91 95 Elementary (1-8)............................ 9 17 19 18 15 6 7 6 4 1 High school (9-12).......................... 43 42 60 54 52 53 45 36 38 24 College..................................... 48 39 19 27 32 41 48 57 58 74 Never attended and other.................... c/ 2 2 d/ 1 c/ d/ c/ d/ d/ At least one vehicle owned or leased........ 90 67 68 81 89 95 95 97 97 99 Average annual expenditures.................. $40,457 $21,778 $15,719 $20,442 $21,673 $28,571 $35,759 $40,725 $49,237 $78,680 Food........................................ 5,097 2,885 2,444 2,938 3,154 4,096 4,852 5,349 6,115 8,720 Food at home............................. 2,957 2,104 1,779 2,078 2,078 2,677 2,915 3,254 3,370 4,308 Cereals and bakery products............ 430 312 260 304 305 355 436 479 483 638 Cereals and cereal products.......... 130 93 74 100 111 112 131 133 129 201 Bakery products...................... 299 218 186 204 195 243 305 347 353 437 Meats, poultry, fish, and eggs......... 782 642 523 579 552 737 726 893 845 1,108 Beef................................. 237 176 147 152 172 222 231 305 233 353 Pork................................. 173 121 118 95 121 185 144 221 204 236 Other meats.......................... 92 64 57 91 78 83 90 101 111 111 Poultry.............................. 139 147 90 121 82 132 143 134 141 203 Fish and seafood..................... 103 100 73 85 70 85 77 93 114 165 Eggs................................. 37 34 39 36 28 30 41 39 42 41 Dairy products......................... 317 198 195 233 234 274 319 338 389 441 Fresh milk and cream................. 114 94 68 94 97 103 121 111 134 150 Other dairy products................. 202 104 128 139 137 171 198 228 255 291 Fruits and vegetables.................. 536 418 281 357 359 478 545 581 622 804 Fresh fruits......................... 167 140 86 97 111 158 171 217 187 240 Fresh vegetables..................... 175 157 93 115 120 171 183 157 211 252 Processed fruits..................... 110 72 54 80 72 83 104 132 117 183 Processed vegetables................. 84 49 48 65 56 67 88 75 107 128 Other food at home..................... 893 535 520 606 627 832 889 963 1,031 1,317 Sugar and other sweets............... 115 86 73 62 76 107 104 147 148 157 Fats and oils........................ 83 48 55 52 69 76 96 94 94 109 Miscellaneous foods.................. 386 206 205 268 258 362 405 399 435 591 Nonalcoholic beverages............... 240 149 165 198 181 226 236 253 277 318 Food prepared by consumer unit on out-of-town trips................... 70 b/ 45 20 b/ 26 43 62 49 70 77 142 Food away from home.................... 2,139 781 665 860 1,076 1,419 1,937 2,095 2,745 4,411 Alcoholic beverages......................... 342 241 74 168 140 239 246 257 546 676 Housing..................................... 12,188 8,702 6,158 7,371 7,480 8,823 11,054 11,596 14,541 21,745 Shelter.................................. 6,647 4,641 3,148 3,926 3,945 4,451 6,336 5,966 7,891 12,407 Owned dwellings........................ 4,730 2,454 1,515 1,688 1,931 3,101 4,668 4,174 5,818 10,090 Mortgage interest and charges........ 2,359 939 413 735 729 1,153 2,327 2,105 2,824 5,713 Property taxes....................... 1,275 715 601 580 583 964 1,197 1,218 1,510 2,464 Maintenance, repairs, insurance,other expenses............................ 1,095 801 501 373 619 984 1,145 851 1,483 1,912 Rented dwellings....................... 1,250 1,985 1,450 1,933 1,719 1,007 1,341 1,343 1,140 649 Other lodging.......................... 667 202 182 305 295 344 327 448 934 1,668 Utilities, fuels, and public services.... 2,565 1,935 1,794 1,993 2,010 2,313 2,466 2,644 2,848 3,584 Natural gas............................ 318 221 257 207 280 252 303 317 360 462 Electricity............................ 975 760 710 804 760 955 937 968 1,034 1,318 Fuel oil and other fuels............... 103 b/ 69 81 b/ 82 73 109 102 111 100 139 Telephone services..................... 843 658 568 670 648 694 783 905 988 1,196 Water and other public services........ 325 226 178 231 249 303 341 344 367 468 Household operations..................... 482 447 128 187 145 288 271 369 473 1,235 Personal services...................... 64 b/ 20 b/ 10 b/ 58 b/ 5 b/ 20 b/ 36 b/ 26 b/ 74 183 Other household expenses............... 418 428 119 129 140 268 235 343 400 1,052 Housekeeping supplies.................... 586 279 329 318 466 487 528 634 748 918 Laundry and cleaning supplies.......... 135 80 73 90 127 142 114 156 161 183 Other household products............... 297 124 148 143 241 249 278 309 375 488 Postage and stationery................. 154 b/ 75 108 85 98 95 136 169 212 247 Household furnishings and equipment...... 1,908 1,400 759 948 914 1,284 1,454 1,983 2,581 3,602 Household textiles..................... 143 69 78 55 83 159 75 138 179 263 Furniture.............................. 414 419 186 181 233 207 389 408 450 846 Floor coverings........................ 89 b/ 240 b/ 7 b/ 11 b/ 71 90 33 73 83 183 Major appliances....................... 195 b/ 137 b/ 42 358 b/ 78 168 222 200 225 229 Small appliances, miscellaneous housewares............................ 137 39 39 39 49 126 98 128 280 218 Miscellaneous household equipment...... 929 496 407 304 400 533 637 1,037 1,364 1,863 Apparel and services........................ 1,664 675 768 571 729 1,273 1,257 1,550 1,764 3,767 Men and boys............................. 380 81 150 116 77 228 318 257 391 1,017 Men, 16 and over....................... 333 b/ 71 122 82 b/ 58 168 261 233 330 949 Boys, 2 to 15.......................... 47 b/ 10 28 34 19 60 57 24 61 68 Women and girls.......................... 634 266 298 261 361 399 429 786 702 1,325 Women, 16 and over..................... 588 240 273 238 306 321 389 758 672 1,253 Girls, 2 to 15......................... 46 b/ 26 25 23 55 77 40 28 29 73 Children under 2......................... 48 b/ 39 b/ 34 b/ 6 b/ 13 b/ 75 b/ 29 b/ 27 53 96 Footwear................................. 292 b/ 147 151 b/ 53 b/ 175 397 283 280 220 576 Other apparel products and services...... 311 142 136 134 104 175 198 200 399 752 Transportation.............................. 7,336 2,921 2,311 3,723 4,012 5,301 7,752 7,945 9,264 13,520 Vehicle purchases (net outlay)........... 3,221 b/ 916 b/ 812 b/ 1,434 b/ 1,469 2,138 4,034 3,708 3,866 6,135 Cars and trucks, new................... 1,704 b/ 658 b/ 271 b/ 835 b/ 945 1,310 2,145 1,763 b/ 1,156 3,662 Cars and trucks, used.................. 1,498 b/ 257 542 587 b/ 507 826 1,888 1,940 2,662 2,424 Other vehicles......................... 19 d/ d/ b/ 12 b/ 17 b/ 2 d/ b/ 5 b/ 48 b/ 50 Gasoline and motor oil................... 1,106 583 451 750 873 1,014 1,098 1,196 1,501 1,597 Other vehicle expenses................... 2,439 1,265 856 1,258 1,517 1,903 2,266 2,539 3,039 4,450 Vehicle finance charges................ 290 b/ 106 72 115 134 219 369 295 477 478 Maintenance and repairs................ 756 444 325 459 681 653 746 862 872 1,165 Vehicle insurance...................... 827 521 342 542 525 737 763 918 991 1,341 Vehicle rental, leases, licenses, other charges.............................. 566 194 117 142 177 293 388 464 699 1,466 Public transportation.................... 569 158 193 280 153 245 355 502 859 1,337 Health care................................. 2,394 1,645 1,280 1,803 2,258 2,261 2,224 2,379 2,721 3,423 Health insurance......................... 1,040 639 542 729 994 1,126 1,028 1,052 1,185 1,387 Medical services......................... 739 644 411 510 597 529 627 684 881 1,233 Drugs.................................... 482 301 278 488 598 479 431 454 491 602 Medical supplies......................... 134 b/ 61 48 75 70 128 138 190 164 202 Entertainment............................... 2,168 1,665 736 988 936 1,613 1,599 1,909 2,291 4,713 Fees and admissions...................... 543 322 164 147 153 307 388 459 764 1,250 Television, radios, sound equipment...... 611 431 351 434 407 477 559 546 659 1,066 Pets, toys, and playground equipment..... 385 152 172 186 272 330 271 520 426 685 Other entertainment supplies, equipment,and services.................. 629 761 49 221 104 498 381 384 442 1,712 Personal care products and services......... 452 146 185 243 274 383 466 422 518 840 Reading..................................... 204 117 76 84 93 156 208 197 243 394 Education................................... 432 b/ 275 b/ 45 251 107 160 275 210 393 1,268 Tobacco products and smoking supplies....... 345 406 262 351 353 315 399 339 347 361 Miscellaneous............................... 1,152 834 737 496 672 1,248 1,124 1,076 1,366 1,803 Cash contributions.......................... 1,784 664 359 726 408 620 1,183 1,863 2,880 4,204 Personal insurance and pensions............. 4,899 603 282 729 1,056 2,083 3,119 5,631 6,249 13,248 Life and other personal insurance........ 630 214 134 293 252 453 468 1,247 782 1,095 Pensions and Social Security............. 4,268 389 149 436 804 1,630 2,651 4,385 5,467 12,153 Sources of income and personal taxes: a/ Money income before taxes.................. 46,867 2,102 7,647 12,455 17,221 24,669 34,478 44,481 58,760 119,082 Wages and salaries....................... 33,250 642 1,103 4,553 8,519 13,825 23,816 33,393 45,214 90,220 Self-employment income................... 4,491 b/ -366 326 b/ 165 b/ 522 1,109 2,118 2,110 3,450 16,385 Social Security, private and government retirement................... 6,752 993 4,414 6,382 6,652 8,697 7,418 7,670 7,003 7,046 Interest, dividends, rental income, other property income................... 1,374 128 122 200 449 370 530 652 1,904 4,323 Unemployment and workers'' compensation, veterans'' benefits..................... 256 b/ 80 b/ 85 b/ 191 360 322 335 180 308 284 Public assistance, supplemental security, income, food stamps..................... 419 332 1,447 845 597 210 179 b/ 208 347 b/ 65 Regular contributions for support........ 136 b/ 261 b/ 59 b/ 50 b/ 64 b/ 93 b/ 19 b/ 191 b/ 320 b/ 177 Other income............................. 189 b/ 32 b/ 92 b/ 69 b/ 57 43 b/ 63 b/ 78 215 580 Personal taxes............................. 3,829 1,293 64 282 508 1,206 1,873 3,169 4,524 11,893 Federal income taxes..................... 2,923 1,115 -4 173 359 817 1,404 2,217 3,372 9,335 State and local income taxes............. 670 14 8 62 61 240 320 684 822 2,037 Other taxes.............................. 236 b/ 165 59 47 88 149 148 268 330 521 Income after taxes......................... 43,041 810 7,583 12,172 16,713 23,463 32,605 41,312 54,263 107,189 Net change in total assets and liabilities... -1,849 13,159 -1,517 -2,047 -325 295 -1,388 -4,171 -644 -6,925 Net change in total assets............... 4,905 15,993 -895 1,289 2,558 1,712 4,151 2,928 1,920 13,351 Net change in total liabilities.......... 6,755 2,834 621 3,336 2,883 1,417 5,539 7,099 2,565 20,275 Other financial information: Other money receipts..................... 1,201 b/ 279 251 45 601 220 527 618 2,234 3,341 Mortgage principal paid on owned property................................ -2,578 -19,664 -188 -575 -476 -804 -1,121 -1,214 -2,508 -4,678 Estimated market value of owned home..... 110,480 70,847 49,360 60,934 56,072 81,527 108,407 99,492 125,740 210,757 Estimated monthly rental value of owned home.................................... 750 427 340 406 428 585 786 733 972 1,279 Gifts of goods and services................. 1,538 793 511 527 650 1,008 895 1,414 1,919 3,532 Food..................................... 126 b/ 9 b/ 23 b/ 6 b/ 34 21 60 122 175 373 Housing.................................. 413 276 172 133 160 208 303 481 602 822 Housekeeping supplies.................. 53 b/ 2 b/ 15 b/ 27 50 38 44 66 79 83 Household textiles..................... 41 b/ 1 b/ 23 b/ 10 b/ 13 b/ 11 b/ 13 59 b/ 44 113 Appliances and miscellaneous housewares........................... 55 b/ 3 b/ 5 b/ 53 b/ 4 50 b/ 43 43 147 56 Major appliances..................... 10 d/ d/ b/ 44 d/ c/ d/ b/ 24 b/ 8 11 Small appliances and miscellaneous housewares......................... 44 b/ 3 b/ 5 b/ 9 b/ 4 49 b/ 43 19 139 44 Miscellaneous household equipment...... 109 b/ 20 32 17 30 70 81 156 151 228 Other housing.......................... 156 b/ 249 97 27 64 40 122 157 180 343 Apparel and services..................... 291 190 139 82 205 235 214 216 393 574 Males, 2 and over...................... 91 b/ 57 52 43 37 75 62 81 125 171 Females, 2 and over.................... 102 31 27 26 70 55 91 90 147 214 Children under 2....................... 36 b/ 39 b/ 28 b/ 6 b/ 12 b/ 38 b/ 26 b/ 22 38 78 Other apparel products and services.... 62 b/ 64 b/ 33 b/ 7 b/ 87 66 35 b/ 23 85 110 Jewelry and watches.................. 27 b/ 10 b/ 13 b/ 4 b/ 17 15 19 b/ 20 52 52 All other apparel products and services............................ 35 b/ 54 b/ 20 b/ 3 b/ 70 b/ 52 b/ 17 b/ 3 b/ 32 b/ 59 Transportation........................... 99 13 8 12 14 175 22 54 80 257 Health care.............................. 38 d/ b/ 4 b/ 15 b/ 6 b/ 41 b/ 19 b/ 20 b/ 55 91 Entertainment............................ 172 b/ 45 81 144 99 80 101 237 218 327 Toys, games, hobbies, and tricycles.... 59 b/ 34 26 26 33 50 41 59 91 101 Other entertainment.................... 113 b/ 11 55 117 66 30 60 178 127 225 Education................................ 208 b/ 174 b/ 5 b/ 72 b/ 74 b/ 69 b/ 40 b/ 95 152 701 All other gifts.......................... 191 87 78 62 56 179 136 189 243 388 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.5. d No data reported. n.a. Not applicable.