Table 2. By INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1994 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ___________________________________________________________________________________________ Number of consumer units (in thousands)... 85,994 4,184 10,570 9,786 7,920 14,016 10,948 8,197 10,595 9,778 Income before taxes 1/.................... $36,181 ($632) $7,500 $12,339 $17,236 $24,730 $34,411 $44,382 $58,357 $109,637 Income after taxes 1/..................... 33,098 (1,119) 7,404 11,943 16,614 23,108 31,707 40,586 52,809 98,285 Age of reference person................... 47.7 42.4 55 52.8 50.4 46.3 44.3 44.9 44.3 46.5 Average number in consumer unit:.......... Persons.................................. 2.5 1.8 1.8 2.1 2.3 2.5 2.7 2.9 3.1 3.1 Children under 18........................ 0.7 0.5 0.5 0.6 0.6 0.7 0.8 0.9 0.9 0.8 Persons 65 and over...................... 0.3 0.2 0.5 0.5 0.5 0.4 0.2 0.2 0.1 0.1 Earners.................................. 1.3 0.8 0.5 0.7 1 1.3 1.6 1.8 2 2 Vehicles................................. 2 0.9 0.9 1.3 1.6 1.9 2.2 2.5 2.7 2.8 Percent distribution: Male..................................... 63 45 35 46 59 64 68 76 80 81 Female................................... 37 55 65 54 41 36 32 24 20 19 Percent homeowner........................ 63 34 41 51 53 58 66 74 82 89 With mortgage........................... 37 14 8 14 18 31 43 53 65 73 Without mortgage........................ 26 20 33 37 36 27 23 21 18 16 Renter................................... 37 66 59 49 47 42 34 26 18 11 Black.................................... 11 19 18 15 11 10 10 7 5 5 White and other.......................... 89 81 82 85 89 90 90 93 95 95 Elementary (1-8)......................... 9 11 24 15 12 8 4 3 2 1 High school (9-12)....................... 43 42 48 52 54 49 44 39 35 20 College.................................. 48 47 27 33 34 44 51 57 64 79 Never attended and other................. 0 0 0 1 0 0 0 0 0 0 At least one vehicle owned............... 87 60 59 79 88 93 95 96 97 96 Average annual expenditures............... $32,740 $16,285 $13,138 $17,859 $22,115 $27,131 $32,606 $40,510 $48,133 $69,638 Food..................................... 4,527 2,562 2,341 3,041 3,537 3,976 4,637 5,353 6,424 7,995 Food at home............................ 2,764 1,692 1,785 2,220 2,446 2,621 2,814 3,159 3,596 4,016 Cereals and bakery products............ 439 238 271 345 411 400 436 525 579 660 Cereals and cereal products........... 167 102 103 142 154 153 165 202 208 245 Bakery products....................... 272 136 168 203 257 247 271 322 371 415 Meats, poultry, fish, and eggs......... 729 502 523 622 682 725 755 788 868 971 Beef.................................. 227 140 148 193 222 219 234 269 283 293 Pork.................................. 155 106 140 139 152 164 163 150 167 178 Other meats........................... 94 56 59 84 90 100 94 109 108 126 Poultry............................... 135 110 99 111 114 126 134 152 170 192 Fish and seafood...................... 87 69 49 64 71 84 100 78 108 150 Eggs.................................. 31 22 28 31 34 32 30 31 33 32 Dairy products......................... 298 184 209 247 258 274 301 328 392 433 Fresh milk and cream.................. 132 93 101 118 114 134 129 147 167 163 Other dairy products.................. 166 90 109 129 144 140 172 181 225 270 Fruits and vegetables.................. 446 291 274 370 380 412 447 494 588 683 Fresh fruits.......................... 135 84 91 113 110 124 130 142 174 221 Fresh vegetables...................... 139 94 83 116 117 128 141 151 172 226 Processed fruits...................... 95 68 55 78 85 84 97 108 136 138 Processed vegetables.................. 77 45 45 63 68 77 78 93 106 99 Other food at home..................... 852 476 508 635 715 810 876 1,024 1,168 1,269 Sugar and other sweets................ 111 62 76 94 90 103 117 125 159 146 Fats and oils......................... 81 56 66 71 69 79 79 94 91 109 Miscellaneous foods................... 370 200 199 263 315 337 402 431 514 587 Nonalcoholic beverages................ 242 138 154 186 213 245 237 299 324 326 Food prep. by cu, out-of-town trips... 49 20 13 22 28 47 41 75 80 101 Food away from home..................... 1,763 870 556 821 1,091 1,356 1,823 2,193 2,828 3,979 Alcoholic beverages...................... 297 222 105 134 215 286 350 323 461 533 Housing.................................. 10,189 5,630 4,877 6,479 7,218 8,493 10,083 11,950 13,979 20,995 Shelter................................. 5,696 3,217 2,608 3,492 4,018 4,728 5,683 6,595 7,807 12,020 Owned dwellings........................ 3,464 1,245 821 1,346 1,670 2,221 3,284 4,286 5,914 9,484 Mortgage interest and charges......... 1,925 493 247 377 610 1,060 1,804 2,517 3,755 5,864 Property taxes........................ 879 416 272 464 564 653 864 1,042 1,354 2,097 Maintenance, rep., ins., oth. exp..... 659 336 302 505 495 507 616 727 805 1,523 Rented dwellings....................... 1,829 1,752 1,691 1,994 2,104 2,218 2,142 1,891 1,358 1,169 Other lodging.......................... 403 220 96 152 244 289 257 418 536 1,366 Utilities, fuels, and public services... 2,170 1,409 1,409 1,755 1,929 2,042 2,223 2,468 2,662 3,272 Natural gas............................ 280 137 202 244 270 258 281 299 327 434 Electricity............................ 846 584 558 677 725 813 883 973 1,019 1,250 Fuel oil and other fuels............... 98 78 75 80 105 85 103 113 120 121 Telephone.............................. 689 480 430 544 624 662 694 782 851 1,031 Water and other public services........ 257 129 143 211 205 224 263 300 345 436 Household operations.................... 500 210 180 239 277 374 400 549 689 1,457 Personal services...................... 241 59 64 95 109 201 229 316 393 603 Other household expenses............... 259 151 116 144 168 172 171 233 295 855 Housekeeping supplies................... 424 269 214 284 290 373 429 517 646 731 Laundry and cleaning supplies.......... 118 99 65 76 96 108 134 137 170 171 Other household products............... 188 104 97 105 124 164 179 239 286 357 Postage and stationery................. 119 66 51 103 70 101 116 142 190 203 Household furnishings and equipment..... 1,399 525 466 708 704 976 1,347 1,822 2,175 3,516 Household textiles..................... 106 25 96 30 53 84 105 128 163 233 Furniture.............................. 324 124 113 162 215 259 352 332 465 788 Floor coverings........................ 132 7 15 49 23 68 92 134 180 557 Major appliances....................... 152 92 72 122 99 137 169 182 193 271 Small appliances, misc. housewares..... 86 25 34 42 50 59 95 129 143 170 Miscellaneous household equipment...... 600 252 137 302 265 368 533 917 1,031 1,495 Apparel and services..................... 1,688 869 607 791 1,072 1,459 1,680 1,916 2,472 3,934 Men and boys............................ 419 206 100 193 265 380 483 472 597 956 Men, 16 and over....................... 321 182 62 132 192 314 383 341 443 752 Boys, 2 to 15.......................... 98 24 38 61 74 66 100 131 154 205 Women and girls......................... 654 325 253 283 396 563 564 709 965 1,666 Women, 16 and over..................... 552 277 212 225 331 489 453 569 813 1,462 Girls, 2 to 15......................... 101 48 40 59 65 73 111 141 152 204 Children under 2........................ 83 37 43 45 44 78 95 91 144 145 Footwear................................ 258 157 121 133 196 230 301 324 388 433 Other apparel products and services..... 274 143 90 136 170 209 237 320 378 734 Transportation........................... 6,076 2,687 1,871 2,776 4,312 5,610 6,132 8,960 9,051 11,767 Vehicle purchases (net outlay).......... 2,703 1,114 677 986 1,907 2,671 2,672 4,690 3,975 4,973 Cars and trucks, new................... 1,333 360 272 451 681 1,162 1,329 2,452 1,955 2,948 Cars and trucks, used.................. 1,321 724 405 536 1,194 1,504 1,267 2,123 1,923 1,928 Other vehicles......................... 49 30 0 0 32 5 76 115 96 97 Gasoline and motor oil.................. 990 529 461 616 752 957 1,127 1,266 1,374 1,573 Other vehicle expenses.................. 1,989 807 602 978 1,353 1,727 2,011 2,617 3,162 4,079 Vehicle finance charges................ 238 49 47 83 124 205 285 390 439 426 Maintenance and repairs................ 701 303 245 391 522 634 696 932 1,109 1,288 Vehicle insurance...................... 698 334 224 396 517 647 750 924 1,068 1,240 Veh. rent., leas., licen., oth. chges.. 352 120 86 108 190 240 281 371 547 1,125 Public transportation................... 393 238 131 195 301 255 322 388 540 1,141 Health care.............................. 1,768 943 1,196 1,484 1,676 1,589 1,752 2,012 2,223 2,679 Health insurance........................ 818 379 595 792 863 770 791 934 944 1,105 Medical services........................ 567 349 276 356 417 453 600 666 840 1,057 Drugs................................... 294 171 284 285 321 288 278 300 317 347 Medical supplies........................ 88 44 40 52 75 78 83 112 122 170 Entertainment............................ 1,619 860 570 714 940 1,299 1,564 1,935 2,558 3,784 Fees and admissions..................... 451 295 114 163 209 291 354 513 693 1,391 Television, radios, sound equipment..... 545 367 250 319 392 475 605 660 797 956 Pets, toys, and playground equipment.... 306 119 110 151 191 269 325 390 503 602 Other supplies, equip., and services.... 317 79 96 80 148 264 280 373 565 834 Personal care products and services...... 415 224 193 257 285 351 453 493 663 727 Reading.................................. 171 76 67 102 119 141 176 213 254 352 Education................................ 469 663 255 258 287 252 292 479 606 1,336 Tobacco products and smoking supplies.... 262 181 174 223 248 281 339 299 316 238 Miscellaneous............................ 811 715 358 500 638 631 884 1,009 1,183 1,406 Cash contributions....................... 1,067 333 223 406 449 768 1,050 1,024 1,653 3,302 Personal insurance and pensions.......... 3,381 319 301 696 1,118 1,994 3,214 4,544 6,290 10,590 Life and other personal insurance....... 413 108 121 214 248 296 350 499 639 1,116 Pensions and Social Security............ 2,968 210 180 482 870 1,698 2,864 4,045 5,650 9,474 Money income before taxes 1/.............. 36,181 (632) 7,500 12,339 17,236 24,730 34,411 44,382 58,357 109,637 Wages and salaries....................... 27,795 1,668 1,770 4,818 8,990 17,062 26,974 36,696 50,429 89,656 Self-employment income................... 1,870 (4,004) 58 438 398 758 1,420 1,999 3,033 9,701 Soc. Sec., priv. and gov. retirement..... 4,200 780 3,798 5,070 5,992 5,060 3,944 3,944 2,979 4,372 Int., divid., rent. inc., property inc... 1,087 53 98 258 452 589 860 920 1,135 4,997 Unemp. and workers' compen., vet. ben.... 316 50 81 225 463 472 398 342 347 286 Pub. ass., supp. sec. inc., foodstamps... 483 572 1,389 1,154 595 305 184 78 49 101 Regular contributions for support........ 287 156 200 253 248 303 476 271 240 327 Other income............................. 142 92 107 123 96 181 153 132 144 197 Personal taxes 1/......................... 3,083 487 96 397 622 1,622 2,703 3,797 5,548 11,353 Federal income taxes..................... 2,288 361 26 215 377 1,130 1,961 2,805 4,102 8,808 State and local income taxes............. 629 64 18 110 150 328 574 802 1,193 2,172 Other taxes.............................. 166 62 52 72 94 165 169 189 253 372 Income after taxes 1/..................... 33,098 (1,119) 7,404 11,943 16,614 23,108 31,707 40,586 52,809 98,285 Net change in total assets and liabilities (835) (212) (559) 1,020 (1,697) 490 (886) (2,014) (6,776) 3,025 Net change in total assets............... 3,975 1,295 113 1,529 (840) 3,526 3,699 6,715 5,745 12,380 Net change in total liabilities.......... 4,810 1,507 672 509 857 3,037 4,584 8,729 12,521 9,355 Other money receipts...................... 658 487 444 162 164 757 439 886 672 1,757 Mortgage principal paid, owned property... (1,038) (311) (142) (272) (315) (484) (854) (1,264) (1,697) (3,764) Estimated market value of owned home...... 68,552 32,257 25,149 42,402 43,341 48,265 60,010 76,632 98,819 176,671 Est. monthly rental value of owned home... 470 230 201 293 315 365 438 550 685 1,050 Gifts of goods and services............... 1,036 688 458 482 716 754 910 1,178 1,603 2,464 Food.................................... 86 19 34 22 37 46 75 132 155 229 Housing................................. 270 184 153 132 141 178 274 323 441 583 Housekeeping supplies................. 42 24 16 26 23 36 47 51 73 73 Household textiles.................... 17 13 44 2 4 16 4 14 29 25 Appliances and misc. housewares....... 26 7 11 7 14 17 30 37 48 58 Major appliances.................... 6 0 3 2 2 8 4 12 8 11 Small appl. and misc. housewares.... 20 7 8 5 13 10 26 25 40 47 Miscellaneous household equipment..... 69 50 12 39 33 35 82 65 144 156 Other housing......................... 116 91 71 58 67 73 111 156 146 272 Apparel and services.................... 251 112 98 105 207 238 276 268 400 483 Males 2 and over...................... 68 77 26 34 69 68 86 61 82 119 Females 2 and over.................... 93 9 35 36 67 89 87 100 171 194 Children under 2...................... 37 14 11 20 24 33 33 44 69 71 Other apparel products and services... 53 13 25 16 47 47 71 62 78 99 Jewelry and watches................. 26 10 3 6 15 26 31 30 43 63 All other apparel products and serv. 27 3 22 10 32 21 40 33 35 37 Transportation.......................... 55 16 19 16 30 72 43 60 99 109 Health care............................. 34 107 4 41 46 18 14 14 37 77 Entertainment........................... 87 119 34 31 59 67 77 118 114 193 Toys, games, hobbies, and tricycles... 34 7 13 13 28 30 37 46 51 67 Other entertainment................... 53 113 22 18 31 37 40 72 63 126 Education............................... 116 15 25 55 85 51 29 82 146 529 All other gifts......................... 138 115 89 80 112 84 122 182 211 261 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.