Table 37. Consumer units of two persons 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)...... 25,618 721 1,502 2,269 2,568 4,342 3,220 2,393 3,567 5,036 Income before taxes a/ ...................... $46,368 $1,944 $7,801 $12,509 $17,440 $24,464 $34,676 $44,468 $58,832 $112,670 Income after taxes a/ ....................... 42,753 1,517 7,788 12,292 16,946 23,522 32,801 41,251 54,284 101,454 Age of the reference person.................. 52.9 45.7 55.3 58.2 59.5 56.8 53.3 49.4 48.0 48.9 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .2 .2 .1 .1 .1 .1 b/ b/ Persons 65 and over......................... .5 .3 .6 .8 1.0 .8 .6 .4 .3 .2 Earners..................................... 1.2 .9 .7 .7 .7 .9 1.2 1.5 1.6 1.8 Vehicles.................................... 2.2 1.2 1.4 1.7 1.7 2.0 2.3 2.4 2.6 2.7 Percent distribution: Male........................................ 64 44 41 52 63 65 67 65 68 72 Female...................................... 36 56 59 48 37 35 33 35 32 28 Homeowner................................... 72 44 49 62 68 72 70 73 76 87 With mortgage.............................. 36 17 11 23 16 24 31 40 49 65 Without mortgage........................... 36 27 37 39 51 48 39 32 28 22 Renter...................................... 28 56 51 38 32 28 30 27 24 13 Black....................................... 9 20 19 15 11 8 8 8 4 5 White and other............................. 91 80 81 85 89 92 92 92 96 95 Elementary (1-8)............................ 6 9 20 17 13 7 4 2 1 c/ High school (9-12).......................... 40 52 50 51 52 49 43 37 32 20 College..................................... 54 39 29 31 35 44 53 61 68 79 Never attended and other.................... c/ c/ 2 1 c/ c/ d/ c/ c/ d/ At least one vehicle owned or leased........ 93 70 73 85 92 93 97 98 98 98 Average annual expenditures.................. $40,246 $22,991 $18,406 $21,985 $24,945 $29,516 $34,672 $41,136 $47,338 $73,206 Food........................................ 5,053 3,497 2,991 3,294 3,801 4,378 4,839 5,276 5,679 7,727 Food at home............................. 2,793 2,138 2,127 2,244 2,475 2,616 2,877 3,015 2,995 3,421 Cereals and bakery products............ 416 321 318 343 381 401 434 444 429 501 Cereals and cereal products.......... 133 119 105 120 138 123 137 138 132 154 Bakery products...................... 283 202 213 223 243 279 297 306 296 348 Meats, poultry, fish, and eggs......... 704 624 566 574 657 679 744 777 726 797 Beef................................. 205 195 149 168 189 198 216 251 213 223 Pork................................. 151 110 143 125 139 164 173 162 150 148 Other meats.......................... 92 74 76 84 86 88 93 106 87 108 Poultry.............................. 123 128 105 91 109 115 127 126 133 149 Fish and seafood..................... 101 80 64 76 101 82 104 98 112 138 Eggs................................. 32 37 30 30 32 32 31 34 30 31 Dairy products......................... 305 241 238 259 270 279 306 330 338 364 Fresh milk and cream................. 107 109 97 108 104 99 113 114 110 111 Other dairy products................. 197 132 141 151 166 180 194 216 228 253 Fruits and vegetables.................. 499 398 351 415 432 466 504 520 519 649 Fresh fruits......................... 153 149 100 127 124 143 144 173 165 199 Fresh vegetables..................... 156 123 109 129 134 137 165 152 161 216 Processed fruits..................... 106 81 81 87 91 105 109 112 107 133 Processed vegetables................. 83 45 60 72 82 82 86 83 85 101 Other food at home..................... 870 554 654 653 735 790 888 944 984 1,109 Sugar and other sweets............... 113 90 81 76 98 115 113 118 135 133 Fats and oils........................ 82 74 65 57 84 81 92 97 77 90 Miscellaneous foods.................. 382 220 304 296 305 343 395 411 425 498 Nonalcoholic beverages............... 237 153 182 201 203 212 243 253 282 284 Food prepared by consumer unit on out-of-town trips................... 56 e/ 16 21 23 45 40 46 65 65 103 Food away from home.................... 2,260 1,359 864 1,050 1,326 1,762 1,963 2,261 2,684 4,306 Alcoholic beverages......................... 406 362 123 149 192 263 345 437 525 828 Housing..................................... 12,346 8,194 6,964 7,721 8,062 9,137 10,477 11,886 14,024 21,904 Shelter.................................. 6,961 4,785 3,702 4,151 4,237 4,884 5,811 6,531 7,830 13,016 Owned dwellings........................ 4,526 2,422 1,475 2,188 2,088 2,841 3,462 3,890 5,162 10,019 Mortgage interest and charges........ 2,266 924 487 753 573 962 1,500 2,071 2,753 5,893 Property taxes....................... 1,173 661 518 738 823 949 970 998 1,264 2,159 Maintenance, repairs, insurance,other expenses............................ 1,087 836 469 698 692 931 992 821 1,145 1,967 Rented dwellings....................... 1,814 2,080 2,032 1,655 1,839 1,688 1,974 2,155 2,000 1,481 Other lodging.......................... 621 283 196 308 309 355 375 486 668 1,516 Utilities, fuels, and public services.... 2,448 1,755 1,834 2,019 2,106 2,217 2,329 2,545 2,662 3,176 Natural gas............................ 276 171 162 230 239 272 229 286 309 371 Electricity............................ 929 723 754 810 864 864 923 962 976 1,106 Fuel oil and other fuels............... 100 60 79 109 89 110 109 113 91 99 Telephone services..................... 847 621 640 648 657 699 785 889 971 1,187 Water and other public services........ 296 179 199 222 258 272 282 295 315 413 Household operations..................... 488 374 287 257 269 392 331 449 484 983 Personal services...................... 107 e/ 111 114 123 83 153 78 118 123 72 Other household expenses............... 381 263 173 134 186 239 253 331 361 911 Housekeeping supplies.................... 552 257 278 358 384 482 536 630 639 856 Laundry and cleaning supplies.......... 128 80 79 88 98 119 112 142 158 180 Other household products............... 263 112 119 181 189 225 218 341 295 421 Postage and stationery................. 161 65 80 89 97 138 206 148 186 256 Household furnishings and equipment...... 1,897 1,023 863 936 1,066 1,162 1,471 1,731 2,408 3,873 Household textiles..................... 132 108 61 66 71 120 103 87 172 249 Furniture.............................. 440 226 111 178 215 266 393 329 550 955 Floor coverings........................ 76 e/ 138 e/ 11 53 38 59 28 67 88 157 Major appliances....................... 204 122 120 189 138 182 181 199 249 288 Small appliances, miscellaneous housewares............................ 124 54 51 54 51 77 115 112 166 259 Miscellaneous household equipment...... 921 375 509 396 554 460 650 938 1,182 1,966 Apparel and services........................ 1,673 1,457 702 824 1,024 1,280 1,590 1,754 1,837 3,055 Men and boys............................. 379 122 123 150 225 259 315 384 428 813 Men, 16 and over....................... 349 e/ 89 102 108 201 233 279 346 399 788 Boys, 2 to 15.......................... 30 33 21 41 24 26 37 38 29 25 Women and girls.......................... 702 981 319 372 486 548 640 778 766 1,182 Women, 16 and over..................... 655 936 292 295 446 498 586 752 723 1,135 Girls, 2 to 15......................... 46 46 27 77 40 50 54 26 44 47 Children under 2......................... 40 e/ 78 e/ 17 e/ 40 e/ 13 48 57 25 41 51 Footwear................................. 253 e/ 121 95 146 174 264 299 308 261 357 Other apparel products and services...... 298 155 148 117 127 162 279 259 341 652 Transportation.............................. 7,407 3,451 3,084 4,342 4,896 5,657 6,642 8,485 9,071 12,234 Vehicle purchases (net outlay)........... 3,338 e/ 1,508 1,366 2,074 2,293 2,515 2,912 4,186 3,852 5,507 Cars and trucks, new................... 1,722 e/ 761 e/ 592 1,092 1,279 1,046 1,039 2,049 1,942 3,413 Cars and trucks, used.................. 1,592 747 773 981 1,014 1,441 1,827 2,123 1,872 2,056 Other vehicles......................... 25 d/ d/ d/ d/ e/ 27 e/ 46 e/ 15 e/ 38 e/ 38 Gasoline and motor oil................... 1,074 585 609 725 749 899 1,080 1,237 1,381 1,456 Other vehicle expenses................... 2,433 1,154 903 1,375 1,544 1,837 2,298 2,634 3,206 3,961 Vehicle finance charges................ 321 178 83 126 143 194 340 385 529 510 Maintenance and repairs................ 738 402 360 513 582 628 771 819 912 992 Vehicle insurance...................... 814 432 323 539 593 730 802 888 1,065 1,119 Vehicle rental, leases, licenses, other charges.............................. 560 142 138 197 227 286 385 541 700 1,341 Public transportation.................... 562 205 205 168 310 406 352 427 631 1,310 Health care................................. 2,590 1,412 1,582 2,051 3,080 2,774 2,662 2,353 2,381 3,111 Health insurance......................... 1,214 579 819 1,063 1,420 1,453 1,379 1,113 1,090 1,211 Medical services......................... 682 459 366 349 635 541 623 564 677 1,198 Drugs.................................... 547 290 337 528 838 648 511 495 464 529 Medical supplies......................... 147 84 60 111 188 132 150 181 150 172 Entertainment............................... 2,098 850 804 1,241 1,038 1,421 1,643 2,037 2,576 4,180 Fees and admissions...................... 538 284 164 171 263 309 390 485 744 1,166 Television, radios, sound equipment...... 614 320 379 382 440 493 600 590 742 952 Pets, toys, and playground equipment..... 389 174 149 229 230 293 296 477 483 685 Other entertainment supplies, equipment,and services.................. 557 72 112 459 105 326 357 485 607 1,377 Personal care products and services......... 477 544 284 266 293 432 450 533 498 766 Reading..................................... 202 109 84 101 119 159 181 186 233 377 Education................................... 452 353 263 166 191 301 377 448 506 929 Tobacco products and smoking supplies....... 298 359 297 275 232 251 309 379 329 306 Miscellaneous............................... 963 680 523 404 504 851 833 993 1,091 1,706 Cash contributions.......................... 1,658 775 293 503 700 1,103 1,553 1,743 1,964 3,487 Personal insurance and pensions............. 4,624 950 411 648 811 1,508 2,770 4,626 6,623 12,596 Life and other personal insurance........ 503 330 164 255 277 329 439 692 560 919 Pensions and Social Security............. 4,121 621 247 393 534 1,180 2,331 3,934 6,063 11,677 Sources of income and personal taxes: a/ Money income before taxes.................. 46,367 1,944 7,801 12,509 17,440 24,464 34,676 44,468 58,823 112,670 Wages and salaries....................... 32,856 1,120 2,002 3,817 5,537 11,664 21,200 33,036 46,946 89,273 Self-employment income................... 3,284 -1,160 161 205 499 482 1,386 1,611 2,344 12,750 Social Security, private and government retirement................... 8,163 1,022 4,172 7,338 10,530 11,103 10,424 8,158 7,247 6,209 Interest, dividends, rental income, other property income................... 1,332 57 51 98 205 567 1,064 1,073 1,621 3,779 Unemployment and workers'' compensation, veterans'' benefits..................... 180 e/ 59 71 134 165 182 184 245 223 192 Public assistance, supplemental security, income, food stamps..................... 230 489 1,028 701 227 149 96 e/ 62 e/ 107 68 Regular contributions for support........ 165 228 134 138 166 200 131 172 204 140 Other income............................. 156 e/ 128 182 79 111 117 190 111 131 259 Personal taxes............................. 3,615 427 13 217 493 942 1,874 3,217 4,547 11,216 Federal income taxes..................... 2,734 348 -79 83 314 602 1,381 2,391 3,513 8,659 State and local income taxes............. 672 25 33 42 68 170 311 599 841 2,124 Other taxes.............................. 209 e/ 55 59 92 111 170 182 227 193 433 Income after taxes......................... 42,753 1,517 7,788 12,292 16,946 23,522 32,801 41,251 54,284 101,454 Net change in total assets and liabilities... -1,193 11,749 428 -491 1,836 745 244 -3,049 -3,034 -5,792 Net change in total assets............... 6,816 12,041 1,412 663 3,496 3,060 4,827 3,606 7,233 17,886 Net change in total liabilities.......... 8,009 292 984 1,154 1,660 2,314 4,583 6,655 10,267 23,678 Other financial information: Other money receipts..................... 810 e/ 2,973 123 62 283 337 525 505 1,809 1,337 Mortgage principal paid on owned property................................ -1,601 -11,740 -180 -423 -466 -614 -681 -1,145 -1,528 -3,388 Estimated market value of owned home..... 94,539 51,453 45,277 58,482 66,320 74,236 81,359 83,569 97,862 174,821 Estimated monthly rental value of owned home.................................... 652 346 317 421 495 534 584 606 689 1,120 Gifts of goods and services................. 1,414 555 552 613 565 882 1,128 1,207 1,529 3,306 Food..................................... 126 e/ 11 33 37 24 28 60 93 122 412 Housing.................................. 370 199 162 193 153 195 329 336 387 846 Housekeeping supplies.................. 55 e/ 17 17 33 34 35 58 68 67 100 Household textiles..................... 19 e/ 8 e/ 16 e/ 8 14 9 30 7 15 42 Appliances and miscellaneous housewares........................... 49 e/ 7 e/ 21 8 10 29 59 61 60 104 Major appliances..................... 11 c/ e/ 1 e/ 1 e/ 3 e/ 2 e/ 13 46 10 16 Small appliances and miscellaneous housewares......................... 37 e/ 7 e/ 20 e/ 6 7 27 46 15 49 88 Miscellaneous household equipment...... 100 16 31 45 38 56 64 106 107 247 Other housing.......................... 147 150 76 100 58 65 118 94 139 353 Apparel and services..................... 264 132 121 219 111 232 264 241 267 482 Males, 2 and over...................... 76 29 58 39 33 73 73 95 80 125 Females, 2 and over.................... 104 36 22 89 43 79 117 76 89 226 Children under 2....................... 32 e/ 35 e/ 11 e/ 39 e/ 10 35 22 24 41 51 Other apparel products and services.... 51 e/ 32 e/ 30 52 25 44 51 47 57 80 Jewelry and watches.................. 22 e/ 18 e/ 5 e/ 10 12 19 24 15 28 39 All other apparel products and services............................ 29 e/ 14 e/ 25 e/ 42 e/ 13 25 e/ 26 e/ 32 29 41 Transportation........................... 91 24 56 14 57 88 74 65 83 194 Health care.............................. 37 e/ 1 e/ 15 e/ 5 e/ 14 25 31 e/ 14 34 106 Entertainment............................ 139 68 54 51 65 79 92 172 171 300 Toys, games, hobbies, and tricycles.... 50 e/ 20 19 26 23 44 44 54 78 76 Other entertainment.................... 89 48 35 25 42 34 48 117 93 224 Education................................ 215 e/ 29 e/ 61 e/ 53 e/ 49 54 102 103 281 661 All other gifts.......................... 173 90 50 42 92 182 176 185 183 305 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.