Table 1. By QUINTILES OF INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1995 All Complete reporting of income 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)... 103,123 83,455 16,662 16,688 16,689 16,691 16,725 19,669 Lower limit............................... 0 0 0 $11,026 $21,497 $35,513 $56,381 0 Income before taxes 1/.................... $36,918 $36,918 $6,305 $16,114 $28,242 $44,753 $89,011 0 Income after taxes 1/..................... 33,864 33,864 6,186 15,537 26,400 41,338 79,715 0 Age of reference person................... 48.0 48.1 52.0 51.8 46.3 44.7 45.7 47.4 Average number in consumer unit:.......... Persons.................................. 2.5 2.5 1.8 2.2 2.6 2.8 3.1 2.6 Children under 18........................ 0.7 0.7 0.5 0.6 0.7 0.8 0.8 0.7 Persons 65 and over...................... 0.3 0.3 0.4 0.5 0.3 0.2 0.1 0.3 Earners.................................. 1.3 1.3 0.6 0.9 1.4 1.8 2.1 1.3 Vehicles................................. 1.9 1.9 1.0 1.5 2.0 2.5 2.8 1.8 Percent distribution: Male..................................... 62 62 39 55 65 74 79 63 Female................................... 38 38 61 45 35 26 21 37 Percent homeowner........................ 64 64 40 56 61 73 89 65 With mortgage........................... 38 38 11 20 35 52 72 36 Without mortgage........................ 26 26 29 36 26 22 16 29 Renter................................... 36 36 60 44 39 27 11 35 Black.................................... 11 11 17 12 11 8 5 14 White and other.......................... 89 89 83 88 89 92 95 86 Elementary (1-8)......................... 9 9 20 12 8 4 1 8 High school (9-12)....................... 44 44 48 54 50 40 25 46 College.................................. 47 47 31 33 42 56 73 46 Never attended and other................. 0 0 1 0 0 0 0 0 At least one vehicle owned............... 86 86 61 84 94 96 96 84 Average annual expenditures............... $32,264 $33,597 $14,607 $22,126 $29,125 $39,395 $62,639 $27,147 Food..................................... 4,505 4,691 2,490 3,705 4,270 5,458 7,522 3,931 Food at home............................ 2,803 2,886 1,827 2,605 2,705 3,289 4,000 2,548 Cereals and bakery products............ 441 455 291 389 437 514 642 400 Cereals and cereal products........... 165 169 115 151 168 190 222 153 Bakery products....................... 276 285 176 238 270 324 420 247 Meats, poultry, fish, and eggs......... 752 758 511 770 700 847 963 735 Beef.................................. 228 232 151 223 215 274 299 214 Pork.................................. 156 158 115 175 150 171 176 151 Other meats........................... 104 105 72 105 94 116 139 99 Poultry............................... 138 136 86 132 128 153 183 141 Fish and seafood...................... 97 95 63 100 82 101 131 103 Eggs.................................. 30 32 25 34 30 33 36 26 Dairy products......................... 297 311 189 273 300 357 438 251 Fresh milk and cream.................. 123 129 93 122 130 145 157 104 Other dairy products.................. 174 182 97 151 170 211 280 148 Fruits and vegetables.................. 457 467 309 433 440 508 647 424 Fresh fruits.......................... 144 148 101 134 139 153 213 132 Fresh vegetables...................... 137 141 86 132 134 152 200 127 Processed fruits...................... 96 97 66 89 90 108 132 92 Processed vegetables.................. 80 81 56 78 77 94 103 74 Other food at home..................... 856 894 527 742 828 1,063 1,310 739 Sugar and other sweets................ 112 119 68 105 113 137 174 90 Fats and oils......................... 82 84 57 82 78 97 104 78 Miscellaneous foods................... 377 394 229 314 364 480 584 322 Nonalcoholic beverages................ 240 250 154 220 233 293 351 210 Food prep. by cu, out-of-town trips... 45 46 19 20 41 56 97 39 Food away from home..................... 1,702 1,804 662 1,099 1,564 2,169 3,522 1,383 Alcoholic beverages...................... 277 302 118 193 230 350 617 201 Housing.................................. 10,458 10,571 5,621 7,285 9,261 11,820 18,840 10,123 Shelter................................. 5,928 5,909 3,144 4,050 5,092 6,410 10,833 6,009 Owned dwellings........................ 3,749 3,744 1,084 1,807 2,696 4,300 8,819 3,769 Mortgage interest and charges......... 2,104 2,117 350 649 1,416 2,523 5,638 2,046 Property taxes........................ 930 908 403 578 669 971 1,914 1,026 Maintenance, rep., ins., oth. exp..... 715 719 330 581 611 806 1,266 697 Rented dwellings....................... 1,788 1,790 1,945 2,050 2,156 1,739 1,060 1,782 Other lodging.......................... 391 375 116 193 240 372 955 458 Utilities, fuels, and public services... 2,191 2,179 1,460 1,862 2,122 2,401 3,044 2,242 Natural gas............................ 268 268 193 227 247 287 388 267 Electricity............................ 869 854 573 744 849 938 1,165 934 Fuel oil and other fuels............... 86 85 59 82 84 89 112 91 Telephone.............................. 708 709 491 599 703 785 968 702 Water and other public services........ 259 262 145 210 240 303 412 248 Household operations.................... 509 518 193 306 382 554 1,153 468 Personal services...................... 258 264 96 132 206 367 517 234 Other household expenses............... 250 254 97 175 176 187 636 234 Housekeeping supplies................... 430 465 214 329 453 524 806 321 Laundry and cleaning supplies.......... 110 118 61 102 119 127 179 87 Other household products............... 194 208 94 140 195 220 391 151 Postage and stationery................. 125 140 59 87 139 177 236 82 Household furnishings and equipment..... 1,401 1,499 609 737 1,212 1,930 3,004 1,083 Household textiles..................... 100 108 47 55 75 128 234 77 Furniture.............................. 327 319 120 192 273 336 673 359 Floor coverings........................ 177 212 120 57 119 502 261 72 Major appliances....................... 155 155 80 127 167 166 237 152 Small appliances, misc. housewares..... 85 91 40 51 92 100 172 64 Miscellaneous household equipment...... 557 614 202 255 485 699 1,427 359 Apparel and services..................... 1,704 1,771 759 1,219 1,502 1,967 3,402 1,484 Men and boys............................ 425 437 141 311 336 451 944 388 Men, 16 and over....................... 329 339 92 239 272 372 719 298 Boys, 2 to 15.......................... 96 98 49 73 64 79 225 89 Women and girls......................... 660 694 269 437 602 838 1,322 555 Women, 16 and over..................... 559 591 217 379 476 732 1,149 460 Girls, 2 to 15......................... 101 103 53 58 126 106 173 95 Children under 2........................ 81 84 48 57 81 100 133 70 Footwear................................ 278 287 176 241 257 283 478 251 Other apparel products and services..... 259 269 124 173 226 294 525 220 Transportation........................... 6,014 6,121 2,021 4,025 5,745 7,639 11,155 5,574 Vehicle purchases (net outlay).......... 2,638 2,676 654 1,775 2,702 3,401 4,841 2,479 Cars and trucks, new................... 1,198 1,193 216 862 838 1,426 2,619 1,218 Cars and trucks, used.................. 1,406 1,450 430 900 1,846 1,903 2,169 1,220 Other vehicles......................... 34 33 8 13 17 72 54 41 Gasoline and motor oil.................. 1,006 1,014 470 716 985 1,275 1,621 970 Other vehicle expenses.................. 2,015 2,063 752 1,320 1,823 2,603 3,813 1,820 Vehicle finance charges................ 260 267 60 127 271 393 482 232 Maintenance and repairs................ 653 675 302 469 621 851 1,130 569 Vehicle insurance...................... 712 726 266 527 673 895 1,267 655 Veh. rent., leas., licen., oth. chges.. 389 395 124 197 257 464 934 365 Public transportation................... 355 367 145 214 234 360 879 305 Health care.............................. 1,732 1,747 1,099 1,604 1,700 1,912 2,417 1,682 Health insurance........................ 860 864 564 852 871 970 1,064 843 Medical services........................ 512 502 259 358 441 569 880 552 Drugs................................... 280 293 235 326 311 269 326 233 Medical supplies........................ 80 87 41 68 76 104 146 54 Entertainment............................ 1,612 1,687 709 915 1,408 1,998 3,401 1,326 Fees and admissions..................... 433 447 161 191 289 489 1,103 372 Television, radios, sound equipment..... 542 561 311 390 499 700 905 466 Pets, toys, and playground equipment.... 322 349 128 194 320 413 688 231 Other supplies, equip., and services.... 315 331 108 140 300 396 706 258 Personal care products and services...... 403 430 190 309 388 550 710 323 Reading.................................. 162 170 71 110 151 199 320 129 Education................................ 471 478 308 189 273 448 1,172 447 Tobacco products and smoking supplies.... 269 272 204 242 327 307 278 256 Miscellaneous............................ 766 808 411 605 769 1,017 1,238 588 Cash contributions....................... 925 1,034 284 714 697 1,269 2,200 463 Personal insurance and pensions.......... 2,964 3,517 321 1,011 2,405 4,462 9,367 619 Life and other personal insurance....... 373 381 115 201 280 438 872 339 Pensions and Social Security............ 2,591 3,136 206 810 2,126 4,025 8,495 281 Money income before taxes 1/.............. 36,918 36,918 6,305 16,114 28,242 44,753 89,011 0 Wages and salaries....................... 28,474 28,474 1,864 8,154 20,474 37,267 74,466 0 Self-employment income................... 2,034 2,034 (226) 422 995 1,717 7,246 0 Soc. Sec., priv. and gov. retirement..... 4,355 4,355 3,070 5,700 5,105 3,834 4,064 0 Int., divid., rent. inc., property inc... 861 861 93 361 544 1,066 2,239 0 Unemp. and workers' compen., vet. ben.... 279 279 115 260 389 331 300 0 Pub. ass., supp. sec. inc., foodstamps... 462 462 1,056 753 276 144 85 0 Regular contributions for support........ 273 273 210 297 327 218 312 0 Other income............................. 180 180 124 168 131 176 300 0 Personal taxes 1/......................... 3,054 3,054 119 578 1,842 3,414 9,296 0 Federal income taxes..................... 2,235 2,235 37 339 1,277 2,470 7,037 0 State and local income taxes............. 640 640 19 132 414 743 1,890 0 Other taxes.............................. 179 179 63 107 152 202 369 0 Income after taxes 1/..................... 33,864 33,864 6,186 15,537 26,400 41,338 79,715 0 Net change in total assets and liabilities (969) (974) (629) (1,710) (733) (946) (853) (947) Net change in total assets............... 3,102 2,851 (65) 492 2,675 2,308 8,826 4,170 Net change in total liabilities.......... 4,071 3,825 564 2,202 3,408 3,254 9,680 5,117 Other money receipts...................... 462 535 183 211 539 412 1,326 152 Mortgage principal paid, owned property... (1,063) (1,088) (221) (347) (630) (1,117) (3,121) (953) Estimated market value of owned home...... 71,655 71,154 31,084 44,711 56,746 75,207 147,789 73,779 Est. monthly rental value of owned home... 496 496 229 336 415 544 953 496 Gifts of goods and services............... 986 1,036 403 625 773 1,112 2,265 806 Food.................................... 88 90 27 38 84 79 220 86 Housing................................. 250 266 140 160 185 285 557 197 Housekeeping supplies................. 38 41 13 24 35 44 91 27 Household textiles.................... 10 11 2 10 7 16 19 8 Appliances and misc. housewares....... 27 29 14 17 23 30 59 22 Major appliances.................... 5 5 1 5 7 3 9 4 Small appl. and misc. housewares.... 23 24 13 13 16 27 51 18 Miscellaneous household equipment..... 66 75 24 52 43 89 165 39 Other housing......................... 108 110 88 57 78 106 222 101 Apparel and services.................... 258 263 93 223 226 269 504 239 Males 2 and over...................... 70 72 21 56 72 80 130 64 Females 2 and over.................... 94 94 30 74 74 91 204 91 Children under 2...................... 40 40 21 25 39 41 73 37 Other apparel products and services... 55 57 21 69 41 57 97 47 Jewelry and watches................. 27 29 8 40 25 31 42 16 All other apparel products and serv. 29 28 13 29 17 25 55 31 Transportation.......................... 48 50 18 26 48 50 109 39 Health care............................. 22 26 34 5 18 23 50 7 Entertainment........................... 86 93 26 67 70 116 185 61 Toys, games, hobbies, and tricycles... 29 30 9 25 25 39 54 25 Other entertainment................... 57 63 17 42 45 77 131 36 Education............................... 120 124 18 25 47 121 409 102 All other gifts......................... 114 124 47 80 95 169 231 74 __________________________________________ 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. 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.