Table 4300. Education of reference person: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 1995 ________________________________________________________________________________________________________________________________ | | | | | | | Less | | High | College | All | than | High | school | graduates, Item | consumer | high | school | graduate | including | units | school | graduate | with some | advanced | | graduate | | college | degrees | | | | | ________________________________________________________________________________________________________________________________ | | | | | Number of consumer units (in thousands).........| 103,123 | 21,534 | 33,027 | 23,568 | 24,994 | | | | | Consumer unit characteristics: | | | | | | | | | | Income before taxes 1/........................| $36,918 | $19,900 | $32,166 | $36,046 | $58,916 Income after taxes 1/.........................| 33,864 | 18,923 | 29,914 | 33,108 | 52,876 Age of reference person.......................| 48.0 | 56.1 | 47.9 | 42.5 | 46.3 | | | | | Average number in consumer unit: | | | | | Persons.....................................| 2.5 | 2.6 | 2.6 | 2.5 | 2.5 Children under 18...........................| .7 | .7 | .7 | .7 | .6 Persons 65 and over.........................| .3 | .6 | .3 | .2 | .2 Earners.....................................| 1.3 | 1.0 | 1.4 | 1.5 | 1.5 Vehicles....................................| 1.9 | 1.6 | 2.0 | 2.0 | 2.0 | | | | | Percent distribution: | | | | | | | | | | Sex of reference person: | | | | | Male......................................| 62 | 58 | 60 | 63 | 70 Female....................................| 38 | 42 | 40 | 37 | 30 | | | | | Housing tenure: | | | | | Homeowner.................................| 64 | 58 | 65 | 60 | 72 With mortgage...........................| 38 | 20 | 37 | 40 | 52 Without mortgage........................| 26 | 38 | 28 | 20 | 20 Renter....................................| 36 | 42 | 35 | 40 | 28 | | | | | Race of reference person: | | | | | Black.....................................| 11 | 17 | 12 | 11 | 6 White and other...........................| 89 | 83 | 88 | 89 | 94 | | | | | Education of reference person: | | | | | Elementary (1-8)..........................| 9 | 41 | n.a. | n.a. | n.a. High school (9-12)........................| 44 | 57 | 100 | n.a. | n.a. College...................................| 47 | n.a. | n.a. | 100 | 100 Never attended and other..................| (2) | 2 | n.a. | n.a. | n.a. | | | | | At least one vehicle owned..................| 86 | 74 | 86 | 89 | 92 | | | | | Average annual expenditures.....................| $32,264 | $19,785 | $28,983 | $33,337 | $45,757 | | | | | Food..........................................| 14.0 | 17.1 | 14.5 | 14.0 | 12.1 Food at home................................| 8.7 | 13.3 | 9.6 | 8.2 | 6.6 Cereals and bakery products...............| 1.4 | 2.0 | 1.5 | 1.3 | 1.1 Cereals and cereal products.............| .5 | .8 | .5 | .5 | .4 Bakery products.........................| .9 | 1.2 | 1.0 | .8 | .7 Meats, poultry, fish, and eggs............| 2.3 | 4.2 | 2.7 | 2.2 | 1.6 Beef....................................| .7 | 1.3 | .9 | .6 | .4 Pork....................................| .5 | .9 | .6 | .4 | .3 Other meats.............................| .3 | .6 | .4 | .3 | .2 Poultry.................................| .4 | .7 | .4 | .4 | .3 Fish and seafood........................| .3 | .5 | .3 | .3 | .2 Eggs....................................| .1 | .2 | .1 | .1 | .1 | | | | | Dairy products............................| .9 | 1.3 | 1.0 | .9 | .7 Fresh milk and cream....................| .4 | .7 | .4 | .4 | .3 Other dairy products....................| .5 | .7 | .6 | .5 | .5 Fruits and vegetables.....................| 1.4 | 2.1 | 1.5 | 1.3 | 1.2 Fresh fruits............................| .4 | .6 | .5 | .4 | .4 Fresh vegetables........................| .4 | .7 | .4 | .4 | .4 Processed fruits........................| .3 | .4 | .3 | .3 | .3 Processed vegetables....................| .2 | .4 | .3 | .2 | .2 | | | | | Other food at home........................| 2.7 | 3.6 | 3.0 | 2.5 | 2.1 Sugar and other sweets..................| .3 | .5 | .4 | .3 | .3 Fats and oils...........................| .3 | .4 | .3 | .2 | .2 Miscellaneous foods.....................| 1.2 | 1.5 | 1.3 | 1.1 | 1.0 Nonalcoholic beverages..................| .7 | 1.1 | .9 | .7 | .5 Food prepared by consumer unit | | | | | on out-of-town trips...................| .1 | .1 | .1 | .1 | .2 Food away from home.........................| 5.3 | 3.9 | 4.9 | 5.8 | 5.5 | | | | | Alcoholic beverages...........................| .9 | .6 | .8 | .9 | .9 | | | | | Housing.......................................| 32.4 | 32.6 | 31.7 | 31.8 | 33.4 Shelter.....................................| 18.4 | 17.8 | 17.7 | 18.1 | 19.6 Owned dwellings...........................| 11.6 | 8.9 | 10.7 | 11.1 | 13.9 Mortgage interest and charges...........| 6.5 | 4.0 | 5.4 | 6.6 | 8.4 Property taxes..........................| 2.9 | 2.7 | 3.1 | 2.6 | 3.1 Maintenance, repairs, insurance, | | | | | other expenses.........................| 2.2 | 2.2 | 2.2 | 1.9 | 2.4 | | | | | Rented dwellings..........................| 5.5 | 8.5 | 6.0 | 5.7 | 4.0 Other lodging.............................| 1.2 | .5 | .9 | 1.2 | 1.8 | | | | | Utilities, fuels, and public services.......| 6.8 | 9.4 | 7.5 | 6.4 | 5.6 Natural gas...............................| .8 | 1.1 | 1.0 | .8 | .7 Electricity...............................| 2.7 | 3.9 | 3.1 | 2.5 | 2.1 Fuel oil and other fuels..................| .3 | .5 | .3 | .2 | .2 Telephone services........................| 2.2 | 2.9 | 2.3 | 2.1 | 1.9 Water and other public services...........| .8 | 1.0 | .9 | .8 | .7 Household operations........................| 1.6 | 1.1 | 1.3 | 1.6 | 2.0 Personal services.........................| .8 | .6 | .7 | .8 | .9 Other household expenses..................| .8 | .5 | .6 | .8 | 1.0 | | | | | Housekeeping supplies.......................| 1.3 | 1.3 | 1.4 | 1.3 | 1.2 Laundry and cleaning supplies.............| .3 | .5 | .4 | .3 | .3 Other household products..................| .6 | .5 | .7 | .6 | .5 Postage and stationery....................| .4 | .3 | .3 | .4 | .4 Household furnishings and equipment.........| 4.3 | 3.0 | 3.8 | 4.5 | 5.1 Household textiles........................| .3 | .2 | .4 | .3 | .3 Furniture.................................| 1.0 | .8 | .9 | 1.1 | 1.1 Floor coverings...........................| .5 | .1 | .3 | .5 | .9 Major appliances..........................| .5 | .6 | .5 | .5 | .4 Small appliances, miscellaneous housewares| .3 | .2 | .3 | .3 | .3 Miscellaneous household equipment.........| 1.7 | 1.0 | 1.4 | 1.8 | 2.1 | | | | | Apparel and services..........................| 5.3 | 5.1 | 5.1 | 5.2 | 5.4 Men and boys................................| 1.3 | 1.2 | 1.3 | 1.2 | 1.4 Men, 16 and over..........................| 1.0 | .8 | 1.0 | 1.0 | 1.1 Boys, 2 to 15.............................| .3 | .5 | .3 | .2 | .3 Women and girls.............................| 2.0 | 1.7 | 2.0 | 2.1 | 2.1 Women, 16 and over........................| 1.7 | 1.4 | 1.6 | 1.7 | 1.8 Girls, 2 to 15............................| .3 | .3 | .3 | .3 | .3 Children under 2............................| .2 | .3 | .3 | .2 | .2 Footwear....................................| .9 | 1.2 | .8 | .8 | .8 Other apparel products and services.........| .8 | .6 | .8 | .8 | .9 | | | | | Transportation................................| 18.6 | 18.8 | 20.1 | 19.2 | 17.2 Vehicle purchases (net outlay)..............| 8.2 | 8.7 | 9.4 | 8.6 | 6.8 Cars and trucks, new......................| 3.7 | 2.5 | 3.7 | 4.0 | 4.1 Cars and trucks, used.....................| 4.4 | 6.1 | 5.5 | 4.4 | 2.7 Other vehicles............................| .1 | .1 | .2 | .1 | (3) Gasoline and motor oil......................| 3.1 | 3.8 | 3.5 | 3.2 | 2.5 | | | | | Other vehicle expenses......................| 6.2 | 5.6 | 6.3 | 6.4 | 6.3 Vehicle finance charges...................| .8 | .7 | 1.0 | .9 | .6 Maintenance and repairs...................| 2.0 | 2.1 | 2.0 | 2.1 | 2.0 Vehicle insurance.........................| 2.2 | 2.2 | 2.4 | 2.2 | 2.0 Vehicle rental, leases, licenses, | | | | | other charges............................| 1.2 | .6 | .9 | 1.2 | 1.7 Public transportation.......................| 1.1 | .7 | .8 | 1.0 | 1.5 | | | | | Health care...................................| 5.4 | 7.8 | 5.8 | 4.8 | 4.5 Health insurance............................| 2.7 | 4.3 | 2.9 | 2.3 | 2.1 Medical services............................| 1.6 | 1.7 | 1.7 | 1.5 | 1.5 Drugs.......................................| .9 | 1.6 | .9 | .7 | .6 Medical supplies............................| .2 | .3 | .3 | .3 | .2 | | | | | Entertainment.................................| 5.0 | 3.9 | 4.7 | 5.4 | 5.4 Fees and admissions.........................| 1.3 | .6 | 1.0 | 1.4 | 1.9 Television, radios, sound equipment.........| 1.7 | 1.9 | 1.7 | 1.8 | 1.5 Pets, toys, and playground equipment........| 1.0 | .8 | 1.0 | 1.1 | 1.0 Other entertainment supplies, equipment, | | | | | and services...............................| 1.0 | .5 | 1.0 | 1.1 | 1.0 | | | | | Personal care products and services...........| 1.3 | 1.2 | 1.4 | 1.3 | 1.1 | | | | | Reading.......................................| .5 | .4 | .4 | .5 | .6 | | | | | Education.....................................| 1.5 | .5 | .9 | 1.7 | 2.1 | | | | | Tobacco products and smoking supplies.........| .8 | 1.5 | 1.1 | .8 | .4 | | | | | Miscellaneous.................................| 2.4 | 2.5 | 2.7 | 2.3 | 2.2 | | | | | Cash contributions............................| 2.9 | 2.2 | 2.4 | 2.9 | 3.6 | | | | | Personal insurance and pensions...............| 9.2 | 5.8 | 8.4 | 9.2 | 11.2 Life and other personal insurance...........| 1.2 | 1.0 | 1.2 | 1.1 | 1.2 Pensions and Social Security................| 8.0 | 4.7 | 7.3 | 8.1 | 9.9 | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | Money income before taxes.....................| $36,918 | $19,900 | $32,166 | $36,046 | $58,916 Wages and salaries..........................| 77.1 | 59.4 | 76.6 | 78.6 | 81.8 Self-employment income......................| 5.5 | 3.9 | 4.4 | 5.1 | 7.0 | | | | | Social Security, private and government | | | | | retirement.................................| 11.8 | 27.0 | 13.1 | 10.2 | 7.3 Interest, dividends, rental income, other | | | | | property income............................| 2.3 | 2.1 | 2.1 | 2.4 | 2.5 Unemployment and workers' compensation, | | | | | veterans' benefits.........................| .8 | 1.6 | 1.1 | .9 | .2 Public assistance, supplemental security | | | | | income, food stamps........................| 1.3 | 5.1 | 1.5 | .9 | .2 Regular contributions for support...........| .7 | .3 | .8 | 1.3 | .5 Other income................................| .5 | .6 | .4 | .6 | .4 | | | | | Personal taxes................................| 8.3 | 4.9 | 7.0 | 8.2 | 10.3 Federal income taxes........................| 6.1 | 3.4 | 4.9 | 5.9 | 7.7 State and local income taxes................| 1.7 | 1.1 | 1.6 | 1.7 | 2.1 Other taxes.................................| .5 | .5 | .5 | .5 | .4 | | | | | Income after taxes............................| 91.7 | 95.1 | 93.0 | 91.8 | 89.7 | | | | | ________________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ Value less than 0.5. 3/ Value less than 0.05. n.a. Not applicable.