Table 1. By QUINTILES OF INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1991 All Incomplete Item consumer Total Lowest Second Third Fourth Highest reporting units complete 20 20 20 20 20 of reporting percent percent percent percent percent income ________________________________________________________________________________ Number of consumer units (in thousands)... 97918 84021 16757 16800 16833 16789 16841 13898 Lower limit............................... 10215 19836 32351 50975 Income before taxes 1/.................... 33901 33901 5981 14821 26073 40868 81594 0 Income after taxes 1/..................... 30729 30729 5648 14308 23973 37237 72332 0 Age of reference person................... 47.5 47.3 51.2 51 45.9 43.5 45.1 48.6 Average number in consumer unit:.......... Persons.................................. 2.6 2.6 1.8 2.3 2.6 2.9 3.2 2.6 Children under 18........................ 0.7 0.7 0.4 0.6 0.7 0.9 0.9 0.6 Persons 65 and over...................... 0.3 0.3 0.4 0.5 0.3 0.2 0.1 0.3 Earners.................................. 1.4 1.4 0.6 1 1.4 1.8 2.1 1.4 Vehicles................................. 2 2 0.9 1.5 2 2.5 2.9 1.9 Percent distribution: Male..................................... 65 65 40 56 69 78 83 67 Female................................... 35 35 60 44 31 22 17 33 Percent homeowner........................ 63 62 41 52 59 73 87 68 With mortgage........................... 39 38 12 19 35 53 73 39 Without mortgage........................ 25 24 29 33 24 19 14 28 Renter................................... 37 38 59 48 41 27 13 32 Black.................................... 11 11 18 14 9 7 5 14 White and other.......................... 89 89 82 86 91 93 95 86 Elementary (1-8)......................... 10 10 22 15 8 4 2 10 High school (9-12)....................... 43 43 46 53 47 43 25 45 College.................................. 46 47 31 32 45 53 73 44 Never attended and other................. 1 0 2 0 0 0 0 1 At least one vehicle owned............... 86 87 61 84 94 97 98 83 Average annual expenditures............... 29614 30487 13464 18986 26144 36151 57597 24903 Food..................................... 4271 4367 2343 3306 3945 5199 7033 3880 Food at home............................ 2651 2725 1726 2303 2577 3140 3875 2347 Cereals and bakery products............ 404 414 257 344 391 480 597 366 Cereals and cereal products........... 145 149 98 128 141 171 207 130 Bakery products....................... 259 265 160 216 249 309 390 237 Meats, poultry, fish, and eggs......... 709 725 502 652 690 801 980 642 Beef.................................. 228 239 161 200 230 271 331 187 Pork.................................. 144 147 113 142 144 160 173 134 Other meats........................... 102 103 71 91 100 117 135 100 Poultry............................... 122 124 81 113 118 127 179 114 Fish and seafood...................... 81 82 50 71 67 91 128 79 Eggs.................................. 31 32 26 34 29 35 34 28 Dairy products......................... 294 307 194 256 284 358 440 242 Fresh milk and cream.................. 129 135 99 122 129 159 165 107 Other dairy products.................. 165 172 95 134 156 199 275 135 Fruits and vegetables.................. 429 438 279 374 411 500 624 395 Fresh fruits.......................... 133 133 80 112 118 157 196 137 Fresh vegetables...................... 127 131 88 112 126 145 184 109 Processed fruits...................... 97 99 59 87 94 111 146 86 Processed vegetables.................. 72 75 51 63 74 88 97 63 Other food at home..................... 815 842 494 676 801 1002 1234 702 Sugar and other sweets................ 101 105 70 93 100 118 142 86 Fats and oils......................... 72 73 49 62 71 85 99 66 Miscellaneous foods................... 375 388 218 308 367 480 566 323 Nonalcoholic beverages................ 224 233 144 192 226 270 332 188 Food prep. by cu, out-of-town trips... 42 43 13 20 37 50 95 38 Food away from home..................... 1620 1642 617 1003 1368 2058 3159 1533 Alcoholic beverages...................... 297 314 127 190 306 371 575 225 Housing.................................. 9252 9325 4905 6178 7975 10644 16898 8939 Shelter................................. 5191 5208 2741 3343 4405 5917 9621 5087 Owned dwellings........................ 3280 3280 1120 1378 2209 3897 7780 3286 Mortgage interest and charges......... 1932 1952 419 511 1213 2484 5123 1812 Property taxes........................ 789 768 378 467 562 822 1606 918 Maintenance, rep., ins., oth. exp..... 559 560 322 399 434 591 1050 556 Rented dwellings....................... 1588 1609 1520 1856 2001 1671 1001 1455 Other lodging.......................... 323 319 101 109 195 350 840 345 Utilities, fuels, and public services... 1990 1961 1291 1652 1893 2171 2795 2162 Natural gas............................ 250 241 177 204 215 255 353 302 Electricity............................ 803 792 503 659 768 888 1138 873 Fuel oil and other fuels............... 102 103 72 90 110 116 128 95 Telephone.............................. 618 609 415 532 596 665 834 675 Water and other public services........ 217 217 125 167 204 247 341 217 Household operations.................... 448 452 167 264 323 437 1068 426 Personal services...................... 211 225 74 130 184 256 479 129 Other household expenses............... 237 227 93 134 139 180 588 297 Housekeeping supplies................... 424 451 235 324 388 530 779 310 Laundry and cleaning supplies.......... 116 124 77 102 114 150 173 86 Other household products............... 185 198 87 126 152 234 390 131 Postage and stationery................. 123 130 70 95 122 146 215 93 Household furnishings and equipment..... 1200 1252 472 596 965 1589 2636 954 Household textiles..................... 100 107 37 60 88 136 216 69 Furniture.............................. 294 297 109 149 173 396 657 275 Floor coverings........................ 115 129 62 21 51 230 280 54 Major appliances....................... 132 132 67 92 118 142 240 133 Small appliances, misc. housewares..... 81 83 29 44 61 104 180 66 Miscellaneous household equipment...... 477 503 168 230 474 580 1064 356 Apparel and services..................... 1735 1801 813 1112 1443 2103 3530 1451 Men and boys............................ 429 449 170 263 326 575 908 349 Men, 16 and over....................... 345 358 117 193 253 448 776 293 Boys, 2 to 15.......................... 84 91 53 70 73 128 132 56 Women and girls......................... 706 725 350 405 572 813 1481 628 Women, 16 and over..................... 607 624 323 359 483 677 1277 537 Girls, 2 to 15......................... 99 101 27 47 89 136 205 91 Children under 2........................ 82 86 56 53 83 108 129 66 Footwear................................ 242 258 121 227 225 294 423 175 Other apparel products and services..... 277 284 116 163 237 313 589 233 Transportation........................... 5151 5235 1895 3196 4821 6839 9410 4661 Vehicle purchases (net outlay).......... 2111 2154 670 1209 1960 2961 3963 1851 Cars and trucks, new................... 1078 1073 230 498 887 1449 2294 1111 Cars and trucks, used.................. 1013 1061 438 693 1063 1468 1638 724 Other vehicles......................... 20 21 2 18 9 43 31 16 Gasoline and motor oil.................. 995 998 471 721 1011 1271 1514 978 Other vehicle expenses.................. 1741 1776 592 1102 1642 2293 3244 1552 Vehicle finance charges................ 282 280 57 147 266 405 526 291 Maintenance and repairs................ 614 642 249 403 597 822 1135 468 Vehicle insurance...................... 614 620 225 422 592 778 1080 582 Veh. rent., leas., licen., oth. chges.. 231 234 62 130 187 289 502 210 Public transportation................... 304 308 162 164 208 314 689 280 Health care.............................. 1554 1563 1041 1371 1580 1672 2149 1503 Health insurance........................ 656 652 459 606 688 719 788 679 Medical services........................ 555 561 309 409 547 605 935 515 Drugs................................... 252 258 223 276 258 250 283 219 Medical supplies........................ 92 91 50 80 86 98 143 89 Entertainment............................ 1472 1523 586 732 1214 1876 3205 1184 Fees and admissions..................... 378 384 125 161 272 433 930 338 Television, radios, sound equipment..... 468 476 225 312 431 546 866 419 Pets, toys, and playground equipment.... 271 286 102 166 264 346 552 193 Other supplies, equip., and services.... 356 377 135 92 246 552 857 234 Personal care products and services...... 399 419 205 295 371 496 727 313 Reading.................................. 163 168 70 106 152 203 309 133 Education................................ 447 434 347 153 233 439 997 531 Tobacco products and smoking supplies.... 276 278 181 274 310 339 285 269 Miscellaneous............................ 860 878 361 471 770 1080 1705 765 Cash contributions....................... 950 1040 294 698 801 893 2510 407 Personal insurance and pensions.......... 2787 3142 296 907 2224 3999 8265 642 Life and other personal insurance....... 356 354 103 163 276 403 822 368 Pensions and Social Security............ 2431 2788 193 744 1948 3596 7443 274 Money income before taxes 1/.............. 33901 33901 5981 14821 26073 40868 81594 0 Wages and salaries....................... 25553 25553 1764 7788 18843 34000 65232 0 Self-employment income................... 2552 2552 -148 409 1221 1973 9283 0 Soc. Sec., priv. and gov. retirement..... 3584 3584 2887 4847 4154 2911 3122 0 Int., divid., rent. inc., property inc... 1164 1164 127 470 964 1135 3118 0 Unemp. and workers' compen., vet. ben.... 245 245 100 232 341 317 233 0 Pub. ass., supp. sec. inc., foodstamps... 389 389 940 653 166 138 50 0 Regular contributions for support........ 284 284 165 299 254 308 394 0 Other income............................. 130 130 147 123 130 85 163 0 Personal taxes 1/......................... 3172 3172 333 513 2099 3632 9263 0 Federal income taxes..................... 2431 2431 215 349 1556 2768 7254 0 State and local income taxes............. 612 612 59 107 421 730 1739 0 Other taxes.............................. 128 128 59 58 122 133 269 0 Income after taxes 1/..................... 30729 30729 5648 14308 23973 37237 72332 0 Net change in total assets and liabilities 478 300 -750 -1128 -1272 -101 4740 1556 Net change in total assets............... 3005 3194 -121 197 896 3635 11338 1861 Net change in total liabilities.......... 2526 2894 629 1325 2168 3736 6597 305 Other money receipts...................... 317 345 108 191 316 317 790 148 Mortgage principal paid, owned property... -578 -576 -174 -197 -390 -630 -1488 -590 Estimated market value of owned home...... 67519 65747 27588 38120 49871 71388 141520 78236 Est. monthly rental value of owned home... 413 408 192 259 329 461 798 444 Gifts of goods and services............... 1000 1007 482 458 713 1086 2295 982 Food.................................... 79 80 26 32 61 86 194 72 Housing................................. 272 279 133 125 201 282 652 246 Housekeeping supplies................. 41 42 20 30 34 54 72 35 Household textiles.................... 13 14 4 7 11 13 32 10 Appliances and misc. housewares....... 30 31 7 13 23 40 70 25 Major appliances.................... 6 6 2 3 7 8 10 4 Small appl. and misc. housewares.... 24 25 5 9 17 32 60 21 Miscellaneous household equipment..... 73 78 20 25 67 90 190 53 Other housing......................... 116 114 82 50 67 86 288 123 Apparel and services.................... 259 263 119 159 215 323 500 237 Males 2 and over...................... 72 74 34 52 52 89 143 64 Females 2 and over.................... 99 99 41 52 85 114 204 97 Children under 2...................... 36 37 24 19 33 47 62 31 Other apparel products and services... 52 53 20 36 44 73 91 44 Jewelry and watches................. 27 28 9 13 20 39 56 22 All other apparel products and serv. 25 25 10 22 24 34 36 23 Transportation.......................... 56 60 11 10 29 29 219 35 Health care............................. 29 27 61 12 12 15 39 42 Entertainment........................... 70 72 26 39 62 89 144 60 Toys, games, hobbies, and tricycles... 28 29 11 13 32 38 50 21 Other entertainment................... 43 43 15 26 30 51 94 39 Education............................... 116 100 20 5 31 101 344 211 All other gifts......................... 118 126 86 77 102 161 202 80 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary