Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 11,593 686 562 676 1,343 1,310 1,181 2,297 3,538 Income before taxes a/ ...................... $58,345 $5,767 $12,599 $17,423 $24,782 $34,808 $44,693 $58,811 $109,337 Income after taxes a/ ....................... 53,956 5,999 13,009 17,254 24,319 33,105 42,121 54,894 99,082 Age of the reference person.................. 40.3 37.9 41.1 37.7 39.3 38.3 39.4 40.7 42.3 Average number in consumer unit: Persons..................................... 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Children under 18........................... 1.7 2.1 1.8 1.8 1.7 1.7 1.6 1.6 1.6 Persons 65 and over......................... .1 .1 .1 .1 .1 .1 b/ .1 b/ Earners..................................... 2.0 1.2 1.4 1.5 1.8 2.0 2.1 2.2 2.3 Vehicles.................................... 2.6 1.3 1.5 1.8 2.1 2.5 2.7 2.9 3.1 Percent distribution: Male........................................ 64 35 38 50 60 68 69 73 70 Female...................................... 36 65 62 50 40 32 31 27 30 Homeowner................................... 75 40 37 44 60 69 75 86 94 With mortgage.............................. 61 17 20 32 40 59 63 72 83 Without mortgage........................... 14 23 17 12 21 11 12 15 11 Renter...................................... 25 60 63 56 40 31 25 14 6 Black....................................... 11 29 27 18 15 11 8 8 6 White and other............................. 89 71 73 82 85 89 92 92 94 Elementary (1-8)............................ 5 14 15 14 9 7 1 2 1 High school (9-12).......................... 39 62 59 57 55 46 43 36 19 College..................................... 56 24 25 26 36 46 55 62 80 Never attended and other.................... c/ d/ d/ 2 c/ d/ d/ c/ d/ At least one vehicle owned or leased........ 94 68 79 85 94 96 98 99 99 Average annual expenditures.................. $50,400 $22,934 $25,316 $26,694 $31,304 $39,301 $42,055 $52,483 $77,335 Food........................................ 7,108 4,276 4,193 4,540 4,833 6,075 6,861 8,030 9,464 Food at home............................. 4,197 2,722 3,077 3,273 3,344 3,855 3,971 4,753 5,057 Cereals and bakery products............ 668 434 465 508 509 585 655 756 825 Cereals and cereal products.......... 249 223 204 205 208 248 251 271 273 Bakery products...................... 419 211 261 302 300 337 403 485 552 Meats, poultry, fish, and eggs......... 1,022 779 845 995 913 964 876 1,156 1,138 Beef................................. 298 267 214 270 262 317 255 341 319 Pork................................. 207 178 216 214 178 192 188 233 215 Other meats.......................... 133 81 109 113 124 131 124 160 142 Poultry.............................. 208 124 179 194 207 183 176 227 243 Fish and seafood..................... 130 70 72 156 96 90 94 150 176 Eggs................................. 46 59 54 48 45 52 39 44 43 Dairy products......................... 479 321 353 306 383 446 468 555 571 Fresh milk and cream................. 200 165 161 161 178 219 192 228 208 Other dairy products................. 279 155 192 145 205 227 275 328 363 Fruits and vegetables.................. 695 398 507 525 604 605 685 745 864 Fresh fruits......................... 212 109 166 174 194 183 207 207 273 Fresh vegetables..................... 205 116 149 164 190 203 186 210 253 Processed fruits..................... 153 91 107 94 105 104 159 179 205 Processed vegetables................. 124 83 84 92 115 115 132 149 133 Other food at home..................... 1,333 790 907 940 935 1,255 1,288 1,540 1,660 Sugar and other sweets............... 162 93 134 127 122 131 152 201 191 Fats and oils........................ 110 82 97 116 90 108 102 124 118 Miscellaneous foods.................. 639 348 364 407 401 592 655 758 820 Nonalcoholic beverages............... 358 241 293 281 284 380 329 401 412 Food prepared by consumer unit on out-of-town trips................... 65 e/ 26 e/ 18 e/ 10 39 44 50 57 119 Food away from home.................... 2,911 1,554 1,117 1,266 1,489 2,220 2,890 3,277 4,407 Alcoholic beverages......................... 288 197 124 94 204 156 203 337 456 Housing..................................... 15,644 8,341 8,066 9,644 10,350 12,074 12,754 15,181 24,050 Shelter.................................. 8,668 4,693 4,500 5,584 5,681 6,457 7,020 8,068 13,582 Owned dwellings........................ 6,601 1,876 1,282 2,533 3,205 4,139 4,925 6,678 11,851 Mortgage interest and charges........ 4,301 1,195 743 1,300 1,861 2,857 3,552 4,345 7,725 Property taxes....................... 1,363 450 307 674 692 755 838 1,310 2,529 Maintenance, repairs, insurance,other expenses............................ 937 232 232 559 652 527 536 1,023 1,596 Rented dwellings....................... 1,590 2,691 3,142 2,971 2,378 2,121 1,879 1,039 632 Other lodging.......................... 477 e/ 126 e/ 76 e/ 80 98 197 216 352 1,100 Utilities, fuels, and public services.... 3,003 2,176 2,316 2,185 2,552 2,737 2,832 3,057 3,721 Natural gas............................ 332 303 165 266 282 260 284 335 437 Electricity............................ 1,152 831 1,016 898 1,028 1,107 1,136 1,196 1,326 Fuel oil and other fuels............... 108 e/ 72 78 80 65 87 94 113 149 Telephone services..................... 1,020 755 832 697 860 956 935 1,015 1,279 Water and other public services........ 391 215 226 243 316 327 383 399 530 Household operations..................... 1,150 380 190 428 390 615 785 1,005 2,293 Personal services...................... 750 284 117 332 261 416 594 698 1,415 Other household expenses............... 400 96 73 97 129 198 191 308 878 Housekeeping supplies.................... 741 299 371 364 368 679 652 1,103 927 Laundry and cleaning supplies.......... 183 130 173 164 122 188 197 222 190 Other household products............... 382 104 144 122 191 382 327 624 462 Postage and stationery................. 176 65 54 78 56 109 127 257 275 Household furnishings and equipment...... 2,081 793 690 1,083 1,358 1,586 1,465 1,947 3,527 Household textiles..................... 171 144 60 132 55 114 127 188 273 Furniture.............................. 554 163 127 439 457 469 324 351 998 Floor coverings........................ 57 e/ 16 e/ 7 e/ 23 e/ 16 65 25 46 108 Major appliances....................... 227 149 108 161 180 207 135 180 364 Small appliances, miscellaneous housewares............................ 111 47 41 51 61 75 61 122 193 Miscellaneous household equipment...... 962 274 345 276 589 656 793 1,060 1,591 Apparel and services........................ 2,736 1,688 1,922 2,106 1,749 2,334 1,975 2,855 3,948 Men and boys............................. 691 487 310 395 353 574 440 776 1,071 Men, 16 and over....................... 448 272 e/ 146 e/ 151 164 375 270 488 777 Boys, 2 to 15.......................... 243 216 164 244 189 199 170 288 294 Women and girls.......................... 1,068 632 872 808 674 844 759 1,151 1,544 Women, 16 and over..................... 772 406 688 621 452 635 540 845 1,109 Girls, 2 to 15......................... 296 226 184 187 221 209 220 305 435 Children under 2......................... 143 e/ 56 e/ 180 e/ 88 129 121 187 159 152 Footwear................................. 496 295 410 680 417 589 401 531 524 Other apparel products and services...... 338 217 150 134 176 206 187 239 656 Transportation.............................. 9,552 4,670 5,929 4,968 6,809 8,886 7,478 10,074 13,607 Vehicle purchases (net outlay)........... 4,663 2,583 3,494 2,325 3,707 4,718 3,083 4,796 6,482 Cars and trucks, new................... 2,002 e/ 973 e/ 562 e/ 194 e/ 708 1,645 e/ 874 2,205 3,643 Cars and trucks, used.................. 2,609 1,610 2,871 2,110 2,977 3,009 2,092 2,589 2,756 Other vehicles......................... 52 d/ e/ 60 e/ 20 e/ 23 e/ 64 e/ 117 e/ 2 e/ 83 Gasoline and motor oil................... 1,422 719 886 949 1,163 1,262 1,482 1,564 1,778 Other vehicle expenses................... 3,078 1,210 1,404 1,574 1,805 2,651 2,696 3,424 4,553 Vehicle finance charges................ 501 216 165 279 297 475 559 629 637 Maintenance and repairs................ 904 393 639 539 489 976 635 912 1,344 Vehicle insurance...................... 1,014 453 458 576 710 836 1,019 1,072 1,435 Vehicle rental, leases, licenses, other charges.............................. 659 147 142 179 307 364 484 810 1,137 Public transportation.................... 390 158 145 120 134 255 217 291 793 Health care................................. 2,107 838 1,004 1,063 1,627 1,582 2,365 2,467 2,784 Health insurance......................... 997 369 425 533 763 819 1,092 1,150 1,323 Medical services......................... 680 201 244 304 571 473 735 826 918 Drugs.................................... 298 227 195 197 238 231 414 343 326 Medical supplies......................... 132 e/ 41 139 e/ 29 55 59 124 148 217 Entertainment............................... 2,672 910 1,210 1,247 1,217 1,525 2,255 2,716 4,638 Fees and admissions...................... 642 164 152 129 205 277 432 595 1,321 Television, radios, sound equipment...... 851 438 642 622 604 643 733 929 1,167 Pets, toys, and playground equipment..... 535 225 252 308 267 379 525 497 879 Other entertainment supplies, equipment,and services.................. 644 83 163 188 140 227 565 696 1,271 Personal care products and services......... 570 281 365 228 309 476 479 704 817 Reading..................................... 189 54 69 60 99 122 135 193 335 Education................................... 880 228 408 207 364 649 505 686 1,749 Tobacco products and smoking supplies....... 382 325 479 494 466 418 463 441 246 Miscellaneous............................... 1,088 580 592 606 686 857 1,071 1,219 1,516 Cash contributions.......................... 1,059 e/ 161 e/ 92 131 402 702 894 1,099 1,974 Personal insurance and pensions............. 6,124 386 862 1,306 2,190 3,444 4,618 6,482 11,750 Life and other personal insurance........ 601 169 188 177 253 381 368 574 1,141 Pensions and Social Security............. 5,523 217 674 1,130 1,937 3,063 4,250 5,908 10,610 Sources of income and personal taxes: a/ Money income before taxes.................. 58,345 5,767 12,599 17,423 24,782 34,808 44,693 58,811 109,337 Wages and salaries....................... 51,796 2,328 7,737 12,475 20,223 30,444 39,857 53,616 98,593 Self-employment income................... 3,207 e/ 1 e/ 321 861 1,568 1,757 2,112 2,232 6,893 Social Security, private and government retirement................... 1,592 1,072 2,468 1,644 2,090 1,367 1,496 1,709 1,394 Interest, dividends, rental income, other property income................... 461 e/ 20 e/ 63 40 -41 154 175 338 1,169 Unemployment and workers'' compensation, veterans'' benefits..................... 256 e/ 47 e/ 165 471 307 404 347 188 211 Public assistance, supplemental security, income, food stamps..................... 421 1,889 1,456 1,540 360 338 284 164 26 Regular contributions for support........ 264 180 e/ 230 238 148 215 308 400 249 Other income............................. 348 e/ 230 e/ 160 e/ 153 127 128 114 164 802 Personal taxes............................. 4,390 -231 -409 168 463 1,703 2,573 3,917 10,255 Federal income taxes..................... 3,372 -273 -427 -239 170 1,166 1,893 2,843 8,240 State and local income taxes............. 814 -16 -3 83 166 399 559 927 1,657 Other taxes.............................. 204 e/ 57 e/ 21 325 127 138 120 147 357 Income after taxes......................... 53,956 5,999 13,009 17,254 24,319 33,105 42,121 54,894 99,082 Net change in total assets and liabilities... -3,040 659 -3,436 2,623 -704 -6,110 -2,694 -2,901 -4,732 Net change in total assets............... 8,770 2,874 219 2,980 3,923 3,361 4,472 5,272 19,927 Net change in total liabilities.......... 11,810 2,215 3,655 357 4,627 9,471 7,165 8,173 24,660 Other financial information: Other money receipts..................... 371 e/ 77 e/ 11 303 25 129 188 255 856 Mortgage principal paid on owned property................................ -1,923 -532 -395 -662 -640 -1,096 -1,352 -1,736 -3,783 Estimated market value of owned home..... 103,333 34,745 26,964 32,760 51,982 61,117 73,585 100,141 189,378 Estimated monthly rental value of owned home.................................... 714 260 203 286 376 479 565 725 1,223 Gifts of goods and services................. 1,082 469 527 492 398 621 603 1,044 2,039 Food..................................... 80 e/ 16 e/ 19 e/ 6 18 20 46 72 179 Housing.................................. 359 133 177 150 95 230 226 377 662 Housekeeping supplies.................. 61 e/ 27 e/ 21 e/ 24 e/ 23 40 33 109 81 Household textiles..................... 30 d/ e/ 13 e/ 12 e/ 1 e/ 29 e/ 30 31 53 Appliances and miscellaneous housewares........................... 27 e/ 3 e/ 8 e/ 10 e/ 2 e/ 13 e/ 5 30 60 Major appliances..................... 3 d/ c/ e/ 8 d/ e/ 8 d/ e/ 1 5 Small appliances and miscellaneous housewares......................... 24 e/ 3 e/ 7 e/ 2 e/ 2 e/ 5 e/ 5 28 55 Miscellaneous household equipment...... 74 e/ 15 e/ 60 e/ 8 25 27 55 57 158 Other housing.......................... 168 87 75 96 44 122 103 150 310 Apparel and services..................... 256 223 201 166 155 147 148 245 422 Males, 2 and over...................... 66 e/ 78 e/ 84 e/ 10 e/ 46 45 19 67 104 Females, 2 and over.................... 105 88 e/ 63 102 e/ 10 43 66 95 202 Children under 2....................... 47 e/ 1 e/ 36 e/ 23 e/ 32 e/ 45 e/ 42 52 68 Other apparel products and services.... 38 e/ 56 e/ 18 e/ 31 e/ 67 e/ 14 e/ 20 31 47 Jewelry and watches.................. 11 e/ 20 e/ 4 e/ 3 e/ 4 e/ 4 e/ 9 12 17 All other apparel products and services............................ 27 e/ 36 e/ 14 e/ 28 e/ 63 e/ 10 e/ 11 e/ 19 31 Transportation........................... 32 2 e/ 4 2 9 13 19 60 48 Health care.............................. 15 e/ 2 e/ 4 e/ 4 e/ 11 e/ 14 e/ 25 e/ 11 23 Entertainment............................ 86 e/ 7 e/ 54 e/ 91 29 60 58 86 146 Toys, games, hobbies, and tricycles.... 28 e/ 3 e/ 25 e/ 11 12 23 26 31 42 Other entertainment.................... 58 e/ 4 e/ 29 80 17 36 32 54 104 Education................................ 140 e/ 22 e/ 1 e/ 5 e/ 25 e/ 48 e/ 12 93 363 All other gifts.......................... 114 65 65 70 56 88 69 101 197 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.