Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999-2000 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)...... 9,959 435 875 899 727 1,488 1,078 961 1,330 2,166 Income before taxes a/ ...................... $48,764 $1,830 $7,509 $12,392 $17,275 $24,593 $34,323 $44,477 $59,096 $119,876 Income after taxes a/ ....................... 44,644 450 5,744 12,155 16,864 23,222 32,276 41,324 54,422 108,388 Age of the reference person.................. 59.2 59.4 60.2 59.8 59.6 59.7 59.0 59.2 58.8 58.4 Average number in consumer unit: Persons..................................... 2.1 1.8 1.7 2.0 2.0 2.0 2.1 2.1 2.3 2.5 Children under 18........................... .2 .2 .2 .2 .2 .2 .2 .2 .2 .2 Persons 65 and over......................... .1 b/ .1 .1 .1 .1 .1 .1 .1 .1 .1 Earners..................................... 1.3 .8 .5 .7 1.0 1.1 1.4 1.5 1.7 2.0 Vehicles.................................... 2.2 1.4 1.2 1.7 1.8 2.1 2.1 2.4 2.7 3.0 Percent distribution: Male........................................ 58 38 42 43 41 55 58 60 70 73 Female...................................... 42 62 58 57 59 45 42 40 30 27 Homeowner................................... 80 55 55 65 76 80 86 81 89 93 With mortgage.............................. 41 19 14 18 29 36 44 40 56 64 Without mortgage........................... 39 36 41 47 46 44 42 42 33 29 Renter...................................... 20 45 45 35 24 20 14 19 11 7 Black....................................... 10 11 20 14 13 10 9 8 8 6 White and other............................. 90 89 80 86 87 90 91 92 92 94 Elementary (1-8)............................ 8 20 16 15 14 7 7 4 4 2 High school (9-12).......................... 42 41 59 57 50 50 46 36 38 22 College..................................... 50 38 24 29 35 42 47 60 58 75 Never attended and other.................... c/ 1 1 d/ 1 c/ d/ c/ d/ d/ At least one vehicle owned or leased........ 92 72 69 82 87 95 97 97 98 99 Average annual expenditures.................. $42,213 $23,262 $17,103 $22,367 $22,913 $30,028 $35,630 $40,540 $49,559 $78,593 Food........................................ 5,355 3,101 2,400 3,163 3,453 4,741 4,833 5,844 6,267 8,387 Food at home............................. 3,151 2,140 1,699 2,235 2,320 3,230 2,987 3,612 3,457 4,221 Cereals and bakery products............ 453 308 266 316 349 476 461 498 490 582 Cereals and cereal products.......... 143 89 81 109 111 173 145 163 141 177 Bakery products...................... 309 219 185 207 238 303 316 335 349 405 Meats, poultry, fish, and eggs......... 822 533 468 625 642 859 794 984 806 1,087 Beef................................. 238 158 127 149 204 230 222 292 238 334 Pork................................. 181 150 111 158 137 212 155 241 186 201 Other meats.......................... 99 42 58 89 72 120 103 112 101 113 Poultry.............................. 145 117 72 116 119 137 138 171 127 212 Fish and seafood..................... 117 b/ 36 71 75 82 123 102 121 115 186 Eggs................................. 42 30 29 37 28 37 74 47 39 40 Dairy products......................... 332 181 173 242 232 318 331 386 370 451 Fresh milk and cream................. 124 85 76 102 92 129 133 133 133 151 Other dairy products................. 208 97 97 140 140 188 198 253 237 300 Fruits and vegetables.................. 579 417 291 392 387 576 502 649 665 832 Fresh fruits......................... 186 158 92 116 112 184 155 244 211 262 Fresh vegetables..................... 185 127 94 120 126 191 150 171 223 279 Processed fruits..................... 119 59 62 88 77 115 106 136 121 179 Processed vegetables................. 90 73 43 69 72 86 90 98 109 112 Other food at home..................... 965 700 501 660 709 1,001 898 1,095 1,125 1,269 Sugar and other sweets............... 125 95 55 62 88 127 113 160 167 158 Fats and oils........................ 92 57 50 62 76 104 104 102 102 108 Miscellaneous foods.................. 423 327 199 299 299 439 387 462 484 580 Nonalcoholic beverages............... 268 184 159 192 208 301 254 311 305 322 Food prepared by consumer unit on out-of-town trips................... 57 b/ 38 37 45 38 31 40 59 67 102 Food away from home.................... 2,204 962 701 928 1,133 1,511 1,846 2,232 2,810 4,166 Alcoholic beverages......................... 375 149 101 218 144 264 227 264 651 698 Housing..................................... 12,689 9,376 6,130 7,715 7,849 9,451 11,189 11,890 15,063 21,495 Shelter.................................. 6,826 4,941 3,300 4,235 4,096 4,740 6,332 6,029 7,685 12,125 Owned dwellings........................ 4,877 2,631 1,604 1,998 2,585 3,244 4,918 4,078 5,756 9,529 Mortgage interest and charges........ 2,361 1,057 511 679 1,138 1,184 2,380 1,879 2,840 5,199 Property taxes....................... 1,408 909 607 733 823 1,106 1,358 1,102 1,687 2,506 Maintenance, repairs, insurance,other expenses............................ 1,107 664 486 586 625 954 1,180 1,097 1,230 1,824 Rented dwellings....................... 1,216 2,079 1,456 1,965 1,303 1,113 1,006 1,530 963 799 Other lodging.......................... 733 231 239 273 208 383 408 421 965 1,798 Utilities, fuels, and public services.... 2,669 2,089 1,749 2,060 2,282 2,329 2,598 2,715 2,859 3,670 Natural gas............................ 323 281 217 227 306 249 294 320 327 483 Electricity............................ 1,005 752 698 854 867 937 1,030 1,031 1,058 1,281 Fuel oil and other fuels............... 98 b/ 63 88 57 99 115 83 95 100 122 Telephone services..................... 898 714 566 670 701 738 849 913 1,010 1,287 Water and other public services........ 345 280 180 251 308 289 340 357 364 498 Household operations..................... 540 664 155 187 308 386 356 379 467 1,212 Personal services...................... 89 b/ 19 b/ 3 b/ 1 b/ 101 b/ 79 b/ 53 b/ 46 b/ 62 232 Other household expenses............... 450 645 152 186 207 306 304 333 404 980 Housekeeping supplies.................... 658 343 305 352 481 574 585 581 741 1,134 Laundry and cleaning supplies.......... 182 77 73 102 143 163 163 125 172 356 Other household products............... 321 206 130 135 226 288 298 288 422 517 Postage and stationery................. 155 b/ 59 102 115 112 123 124 168 148 262 Household furnishings and equipment...... 1,997 1,339 620 881 683 1,423 1,319 2,185 3,311 3,352 Household textiles..................... 136 21 43 71 43 205 99 194 132 204 Furniture.............................. 386 314 188 154 124 267 263 400 460 756 Floor coverings........................ 88 b/ 249 b/ 10 b/ 25 b/ 17 39 23 75 106 197 Major appliances....................... 206 b/ 123 104 167 b/ 77 199 182 257 258 279 Small appliances, miscellaneous housewares............................ 136 53 45 42 51 116 108 142 244 211 Miscellaneous household equipment...... 1,046 578 231 423 371 596 644 1,117 2,112 1,705 Apparel and services........................ 1,874 794 679 640 992 1,175 1,575 1,449 2,101 4,093 Men and boys............................. 452 57 125 137 177 215 401 282 469 1,147 Men, 16 and over....................... 405 b/ 43 91 96 147 172 338 256 404 1,087 Boys, 2 to 15.......................... 47 b/ 14 34 41 30 43 63 26 65 60 Women and girls.......................... 725 401 224 285 439 458 599 632 831 1,503 Women, 16 and over..................... 666 381 183 260 354 394 569 577 791 1,396 Girls, 2 to 15......................... 59 b/ 20 41 24 85 64 30 55 40 106 Children under 2......................... 66 b/ 18 48 24 23 60 51 45 94 120 Footwear................................. 333 b/ 121 127 b/ 72 223 285 339 290 303 680 Other apparel products and services...... 299 197 155 121 130 158 186 200 404 644 Transportation.............................. 7,635 3,747 3,368 4,444 4,086 5,311 6,995 8,036 9,057 13,507 Vehicle purchases (net outlay)........... 3,412 b/ 1,393 b/ 1,546 2,172 b/ 1,255 2,070 3,223 3,828 3,809 6,396 Cars and trucks, new................... 1,844 b/ 866 b/ 765 b/ 790 b/ 721 1,194 1,550 1,703 1,241 4,315 Cars and trucks, used.................. 1,545 b/ 527 780 1,382 b/ 534 874 1,673 2,119 2,489 2,028 Other vehicles......................... b/ 23 d/ d/ d/ d/ b/ 2 d/ b/ 5 b/ 78 b/ 53 Gasoline and motor oil................... 1,256 861 601 739 1,026 1,053 1,287 1,296 1,573 1,803 Other vehicle expenses................... 2,421 1,279 975 1,317 1,619 1,935 2,117 2,501 2,971 4,063 Vehicle finance charges................ 329 138 85 174 177 287 382 392 421 501 Maintenance and repairs................ 751 367 358 436 718 658 533 890 842 1,169 Vehicle insurance...................... 818 516 366 520 551 732 708 795 964 1,309 Vehicle rental, leases, licenses, other charges.............................. 523 258 166 186 172 259 494 424 744 1,084 Public transportation.................... 546 214 246 216 186 252 368 412 704 1,244 Health care................................. 2,572 1,854 1,506 1,799 2,062 2,477 2,519 2,630 2,998 3,434 Health insurance......................... 1,094 890 542 695 922 1,140 1,122 1,199 1,310 1,356 Medical services......................... 783 553 632 448 527 626 744 683 926 1,200 Drugs.................................... 552 333 274 557 537 591 524 563 584 662 Medical supplies......................... 143 b/ 77 58 99 75 120 129 185 178 216 Entertainment............................... 2,288 1,616 796 1,561 963 1,929 1,720 2,109 2,311 4,342 Fees and admissions...................... 576 212 193 176 196 330 414 453 589 1,392 Television, radios, sound equipment...... 600 434 374 404 407 481 536 638 697 904 Pets, toys, and playground equipment..... 384 173 169 205 278 353 332 388 403 651 Other entertainment supplies, equipment,and services.................. 728 796 60 775 82 764 437 629 622 1,396 Personal care products and services......... 597 380 269 391 407 537 566 554 697 938 Reading..................................... 201 94 103 87 106 147 181 193 238 369 Education................................... 425 b/ 271 b/ 97 264 107 130 157 243 368 1,206 Tobacco products and smoking supplies....... 362 401 303 336 290 354 378 461 398 345 Miscellaneous............................... 959 568 534 392 415 867 939 925 1,179 1,579 Cash contributions.......................... 1,811 b/ 293 383 598 684 634 1,005 1,500 1,910 4,863 Personal insurance and pensions............. 5,068 617 434 757 1,353 2,010 3,346 4,443 6,320 13,338 Life and other personal insurance........ 622 242 137 371 315 405 567 505 781 1,233 Pensions and Social Security............. 4,446 375 296 387 1,038 1,605 2,779 3,938 5,539 12,105 Sources of income and personal taxes: a/ Money income before taxes.................. 48,764 1,830 7,509 12,392 17,275 24,593 34,323 44,477 59,096 119,876 Wages and salaries....................... 35,036 823 970 3,976 9,362 13,955 23,871 31,847 46,773 91,427 Self-employment income................... 4,684 b/ -307 325 b/ 74 b/ 399 1,232 2,698 1,887 2,452 16,770 Social Security, private and government retirement................... 6,822 721 4,229 7,022 6,272 8,572 6,830 9,116 7,391 6,624 Interest, dividends, rental income, other property income................... 1,323 b/ 40 178 218 260 298 496 807 1,816 3,900 Unemployment and workers'' compensation, veterans'' benefits..................... 174 b/ 67 b/ 24 b/ 128 b/ 89 238 b/ 119 147 166 305 Public assistance, supplemental security, income, food stamps..................... 421 353 1,554 853 584 246 b/ 152 b/ 311 263 141 Regular contributions for support........ 151 b/ 40 b/ 138 b/ 42 b/ 242 b/ 32 b/ 100 b/ 294 b/ 182 b/ 218 Other income............................. 153 b/ 94 b/ 91 b/ 78 b/ 67 b/ 21 b/ 55 b/ 67 b/ 52 491 Personal taxes............................. 4,120 1,380 1,765 238 411 1,372 2,047 3,153 4,674 11,488 Federal income taxes..................... 3,186 1,206 1,461 138 229 934 1,504 2,282 3,460 9,155 State and local income taxes............. 696 19 253 33 -14 229 340 604 907 1,935 Other taxes.............................. 238 b/ 155 51 67 196 208 202 267 307 399 Income after taxes......................... 44,644 450 5,744 12,155 16,864 23,222 32,276 41,324 54,422 108,388 Net change in total assets and liabilities... -1,087 2,645 -1,482 629 -795 -4,921 -4,659 -2,978 -2,570 3,677 Net change in total assets............... 2,654 3,469 -364 577 1,873 -3,488 334 2,150 2,833 10,321 Net change in total liabilities.......... 3,741 824 1,118 -52 2,669 1,434 4,993 5,128 5,403 6,644 Other financial information: Other money receipts..................... 1,884 b/ 45 342 83 639 529 428 730 2,351 5,920 Mortgage principal paid on owned property................................ -2,367 -19,147 -240 -431 -646 -859 -1,109 -1,008 -2,308 -3,535 Estimated market value of owned home..... 113,326 83,210 60,394 58,996 75,255 77,013 109,257 95,919 124,297 204,037 Estimated monthly rental value of owned home.................................... 750 477 362 449 562 589 809 695 837 1,201 Gifts of goods and services................. 1,578 701 575 675 681 1,159 923 1,010 1,761 3,582 Food..................................... 111 b/ 9 b/ 22 b/ 17 b/ 31 52 56 56 124 319 Alcoholic beverages...................... 14 c/ b/ 5 b/ 1 b/ 2 b/ 5 b/ 15 b/ 4 44 21 Housing.................................. 388 183 127 116 152 276 284 388 437 823 Housekeeping supplies.................. 55 b/ 22 b/ 15 38 b/ 33 48 48 56 74 88 Household textiles..................... 29 c/ b/ 17 b/ 4 b/ 16 b/ 74 b/ 12 50 b/ 24 32 Appliances and miscellaneous housewares........................... 49 b/ 3 b/ 4 b/ 10 b/ 9 b/ 41 56 78 94 63 Major appliances..................... 9 d/ c/ b/ 8 b/ 1 d/ b/ 1 b/ 43 b/ 10 12 Small appliances and miscellaneous housewares......................... 40 b/ 3 b/ 3 b/ 1 b/ 8 b/ 41 55 b/ 35 84 52 Miscellaneous household equipment...... 105 38 32 8 33 69 97 67 170 216 Other housing.......................... 150 b/ 121 59 56 60 44 71 136 74 424 Apparel and services..................... 350 164 132 138 276 177 318 188 510 692 Males, 2 and over...................... 118 b/ 25 b/ 18 57 78 49 92 61 148 287 Females, 2 and over.................... 104 39 28 45 75 48 111 71 165 187 Children under 2....................... 59 b/ 18 34 24 22 58 49 42 80 107 Other apparel products and services.... 69 b/ 81 b/ 52 b/ 11 b/ 100 21 66 b/ 14 117 111 Jewelry and watches.................. 33 b/ 54 b/ 37 b/ 8 b/ 18 14 25 b/ 13 78 42 All other apparel products and services............................ 35 b/ 27 b/ 15 b/ 3 b/ 82 b/ 8 b/ 42 b/ 1 b/ 39 70 Transportation........................... 137 13 42 31 21 161 14 55 70 407 Health care.............................. 53 b/ 8 b/ 7 b/ 53 b/ 3 147 b/ 13 b/ 10 b/ 25 91 Entertainment............................ 152 85 57 166 74 114 89 138 180 269 Toys, games, hobbies, and tricycles.... 56 b/ 38 17 36 29 53 40 68 63 91 Other entertainment.................... 96 47 40 130 45 61 49 69 117 178 Personal care products and services...... 29 b/ 5 b/ 16 b/ 2 b/ 9 61 39 b/ 5 29 45 Reading.................................. 3 b/ 3 2 4 c/ 2 2 5 4 5 Education................................ 173 b/ 166 b/ 3 b/ 67 b/ 68 b/ 39 23 b/ 47 142 564 All other gifts.......................... 166 65 161 80 45 126 68 115 195 345 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.