Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997 ___________________________________________________________________________________________________________________ | | | | | Complete reporting of income | | All |___________________________________________________________| Item | consumer| | | | | | |Incomplete | units | Total | Lowest | Second | Third | Fourth | Highest |reporting | | complete| 20 | 20 | 20 | 20 | 20 | of | |reporting| percent | percent | percent | percent | percent | Income ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | Number of consumer units (in | | | | | | | | thousands)......................| 105,576 | 84,991 | 16,975 | 16,997 | 16,998 | 16,996 | 17,025 | 20,585 Lower limit........................| n.a. | n.a. | n.a. | $11,944 | $22,946 | $38,205 | $60,535 | n.a. Income before taxes(1).............| $39,926 | $39,926 | $7,086 | $17,246 | $30,285 | $48,478 | $96,397 | (1) Income after taxes(1)..............| 36,684 | 36,684 | 7,008 | 16,839 | 28,426 | 44,512 | 86,515 | (1) Age of reference person............| 47.7 | 47.8 | 51.4 | 51.4 | 46.5 | 44.3 | 45.3 | 47.6 Average number in consumer unit: | | | | | | | | Persons...........................| 2.5 | 2.5 | 1.8 | 2.3 | 2.5 | 2.9 | 3.1 | 2.6 Children under 18.................| .7 | .7 | .5 | .6 | .7 | .9 | .9 | .7 Persons 65 and over...............| .3 | .3 | .4 | .5 | .3 | .2 | .1 | .3 Earners...........................| 1.3 | 1.3 | .6 | .9 | 1.4 | 1.8 | 2.1 | 1.3 Vehicles..........................| 2.0 | 2.0 | 1.0 | 1.6 | 2.0 | 2.5 | 2.9 | 1.8 Percent distribution: | | | | | | | | Male..............................| 59 | 59 | 36 | 53 | 61 | 70 | 75 | 58 Female............................| 41 | 41 | 64 | 47 | 39 | 30 | 25 | 42 Percent homeowner.................| 64 | 64 | 40 | 56 | 60 | 75 | 86 | 64 With mortgage....................| 38 | 38 | 11 | 20 | 34 | 56 | 70 | 37 Without mortgage.................| 26 | 25 | 30 | 36 | 26 | 19 | 16 | 27 Renter............................| 36 | 36 | 60 | 44 | 40 | 25 | 14 | 36 Black.............................| 12 | 11 | 18 | 12 | 12 | 9 | 6 | 14 White and other...................| 88 | 89 | 82 | 88 | 88 | 91 | 94 | 86 Elementary (1-8)..................| 7 | 8 | 18 | 11 | 6 | 2 | 1 | 7 High school (9-12)................| 39 | 39 | 46 | 49 | 42 | 36 | 22 | 42 College...........................| 53 | 53 | 36 | 40 | 52 | 61 | 78 | 51 Never attended and other..........| (2)| (2)| 1 | (2)| (2)| (2)| (3)| (2) At least one vehicle owned or | | | | | | | | leased.........................| 87 | 88 | 63 | 87 | 93 | 98 | 98 | 83 Average annual expenditures........| 34,819 | 36,146 | 16,008 | 23,558 | 31,447 | 42,846 | 66,800 | 29,557 Food..............................| 4,801 | 4,902 | 2,685 | 3,729 | 4,510 | 5,680 | 7,901 | 4,446 Food at home.....................| 2,880 | 2,970 | 1,878 | 2,576 | 2,876 | 3,319 | 4,200 | 2,571 Cereals and bakery products.....| 453 | 465 | 286 | 409 | 442 | 525 | 661 | 413 Cereals and cereal products....| 161 | 166 | 104 | 149 | 164 | 179 | 231 | 147 Bakery products................| 292 | 299 | 181 | 260 | 277 | 346 | 430 | 266 Meats, poultry, fish, and eggs..| 743 | 756 | 502 | 699 | 767 | 802 | 1,010 | 699 Beef...........................| 224 | 226 | 143 | 197 | 238 | 258 | 295 | 214 Pork...........................| 157 | 161 | 115 | 163 | 169 | 157 | 201 | 144 Other meats....................| 96 | 99 | 63 | 92 | 93 | 116 | 129 | 88 Poultry........................| 145 | 146 | 98 | 134 | 137 | 154 | 205 | 143 Fish and seafood...............| 89 | 91 | 58 | 77 | 95 | 82 | 143 | 81 Eggs...........................| 33 | 34 | 26 | 35 | 34 | 35 | 38 | 29 Dairy products..................| 314 | 329 | 204 | 283 | 308 | 378 | 472 | 262 Fresh milk and cream...........| 128 | 134 | 90 | 124 | 135 | 149 | 174 | 107 Other dairy products...........| 186 | 195 | 114 | 159 | 173 | 229 | 298 | 155 Fruits and vegetables...........| 476 | 485 | 314 | 428 | 461 | 510 | 713 | 443 Fresh fruits...................| 150 | 154 | 96 | 132 | 149 | 161 | 232 | 138 Fresh vegetables...............| 143 | 145 | 93 | 135 | 136 | 141 | 220 | 135 Processed fruits...............| 102 | 105 | 67 | 91 | 94 | 117 | 154 | 94 Processed vegetables...........| 80 | 82 | 57 | 71 | 81 | 91 | 107 | 75 Other food at home..............| 895 | 935 | 573 | 756 | 899 | 1,104 | 1,343 | 755 Sugar and other sweets.........| 114 | 118 | 75 | 99 | 116 | 135 | 167 | 101 Fats and oils..................| 81 | 83 | 59 | 80 | 84 | 90 | 104 | 73 Miscellaneous foods............| 403 | 425 | 246 | 340 | 413 | 507 | 616 | 330 Nonalcoholic beverages.........| 245 | 254 | 172 | 203 | 246 | 305 | 344 | 212 Food prepared by consumer unit | | | | | | | | on out-of-town tr...........| 52 | 55 | 22 | 34 | 41 | 66 | 112 | 39 Food away from home..............| 1,921 | 1,932 | 807 | 1,153 | 1,634 | 2,361 | 3,701 | 1,875 Alcoholic beverages...............| 309 | 330 | 148 | 187 | 303 | 379 | 634 | 236 Housing...........................| 11,272 | 11,348 | 5,928 | 7,798 | 9,906 | 12,946 | 20,141 | 11,002 Shelter..........................| 6,344 | 6,339 | 3,245 | 4,254 | 5,529 | 7,204 | 11,451 | 6,364 Owned dwellings.................| 3,935 | 3,933 | 1,178 | 1,833 | 2,828 | 4,930 | 8,885 | 3,942 Mortgage interest and charges..| 2,225 | 2,235 | 412 | 698 | 1,472 | 3,046 | 5,540 | 2,185 Property taxes.................| 971 | 947 | 382 | 606 | 689 | 1,079 | 1,974 | 1,073 Maintenance, repairs, | | | | | | | | insurance, other expenses...| 738 | 751 | 384 | 529 | 666 | 806 | 1,371 | 685 Rented dwellings................| 1,983 | 1,980 | 1,943 | 2,259 | 2,462 | 1,893 | 1,342 | 1,997 Other lodging...................| 426 | 426 | 124 | 162 | 240 | 380 | 1,224 | 424 Utilities, fuels, and public | | | | | | | | services......................| 2,412 | 2,408 | 1,570 | 2,043 | 2,327 | 2,724 | 3,373 | 2,431 Natural gas.....................| 301 | 298 | 186 | 260 | 286 | 332 | 426 | 313 Electricity.....................| 909 | 900 | 614 | 788 | 875 | 1,018 | 1,202 | 946 Fuel oil and other fuels........| 108 | 109 | 75 | 93 | 104 | 124 | 149 | 102 Telephone services..............| 809 | 809 | 530 | 671 | 794 | 909 | 1,142 | 808 Water and other public services.| 286 | 292 | 165 | 232 | 267 | 341 | 453 | 262 Household operations.............| 548 | 562 | 216 | 314 | 366 | 573 | 1,339 | 494 Personal services...............| 263 | 273 | 88 | 142 | 180 | 322 | 631 | 223 Other household expenses........| 285 | 289 | 128 | 172 | 186 | 250 | 708 | 271 Housekeeping supplies............| 455 | 485 | 260 | 363 | 423 | 596 | 781 | 353 Laundry and cleaning supplies...| 116 | 125 | 77 | 101 | 117 | 149 | 180 | 85 Other household products........| 210 | 222 | 116 | 156 | 178 | 287 | 374 | 168 Postage and stationery..........| 129 | 138 | 67 | 107 | 128 | 160 | 227 | 100 Household furnishings and | | | | | | | | equipment.....................| 1,512 | 1,554 | 638 | 823 | 1,261 | 1,850 | 3,197 | 1,361 Household textiles..............| 79 | 82 | 32 | 49 | 61 | 90 | 178 | 68 Furniture.......................| 387 | 380 | 134 | 206 | 263 | 411 | 888 | 416 Floor coverings.................| 78 | 83 | 18 | 24 | 92 | 106 | 173 | 62 Major appliances................| 169 | 174 | 94 | 124 | 188 | 187 | 277 | 150 Small appliances, miscellaneous | | | | | | | | housewares...................| 92 | 100 | 68 | 57 | 89 | 99 | 188 | 62 Miscellaneous household | | | | | | | | equipment....................| 707 | 735 | 292 | 364 | 569 | 956 | 1,493 | 604 Apparel and services..............| 1,729 | 1,786 | 755 | 1,209 | 1,562 | 2,063 | 3,340 | 1,534 Men and boys.....................| 407 | 423 | 152 | 248 | 367 | 516 | 831 | 353 Men, 16 and over................| 323 | 338 | 116 | 188 | 286 | 408 | 690 | 274 Boys, 2 to 15...................| 84 | 85 | 35 | 60 | 81 | 108 | 141 | 79 Women and girls..................| 680 | 699 | 300 | 475 | 611 | 821 | 1,289 | 617 Women, 16 and over..............| 574 | 591 | 260 | 409 | 509 | 679 | 1,098 | 519 Girls, 2 to 15..................| 106 | 108 | 40 | 66 | 102 | 142 | 190 | 98 Children under 2.................| 77 | 84 | 36 | 64 | 87 | 103 | 128 | 55 Footwear.........................| 315 | 326 | 174 | 274 | 299 | 392 | 488 | 277 Other apparel products and | | | | | | | | services......................| 250 | 255 | 93 | 147 | 198 | 232 | 605 | 233 Transportation....................| 6,457 | 6,669 | 2,424 | 4,321 | 6,127 | 8,696 | 11,764 | 5,590 Vehicle purchases (net outlay)...| 2,736 | 2,856 | 947 | 1,877 | 2,713 | 3,979 | 4,761 | 2,237 Cars and trucks, new............| 1,229 | 1,310 | 268 | 640 | 1,263 | 1,642 | 2,734 | 894 Cars and trucks, used...........| 1,464 | 1,500 | 673 | 1,207 | 1,426 | 2,279 | 1,911 | 1,314 Other vehicles..................| 43 | 47 | (4)6 | (4)30 | (4)24 | 58 | 115 | (4)30 Gasoline and motor oil...........| 1,098 | 1,110 | 521 | 818 | 1,081 | 1,420 | 1,710 | 1,045 Other vehicle expenses...........| 2,230 | 2,312 | 801 | 1,424 | 2,053 | 2,896 | 4,383 | 1,902 Vehicle finance charges.........| 293 | 305 | 72 | 149 | 302 | 479 | 521 | 243 Maintenance and repairs.........| 682 | 720 | 300 | 537 | 653 | 832 | 1,275 | 533 Vehicle insurance...............| 755 | 779 | 277 | 534 | 768 | 991 | 1,326 | 654 Vehicle rental, leases, | | | | | | | | licenses, other charges......| 501 | 508 | 152 | 205 | 329 | 593 | 1,261 | 471 Public transportation............| 393 | 390 | 156 | 202 | 280 | 400 | 911 | 406 Health care.......................| 1,841 | 1,898 | 1,169 | 1,808 | 1,853 | 2,067 | 2,590 | 1,617 Health insurance.................| 881 | 900 | 570 | 877 | 874 | 997 | 1,181 | 805 Medical services.................| 531 | 544 | 246 | 446 | 499 | 631 | 895 | 479 Drugs............................| 320 | 342 | 284 | 391 | 371 | 319 | 343 | 243 Medical supplies.................| 108 | 113 | 70 | 94 | 108 | 121 | 171 | 90 Entertainment.....................| 1,813 | 1,868 | 689 | 1,076 | 1,419 | 2,181 | 3,968 | 1,602 Fees and admissions..............| 471 | 490 | 154 | 193 | 336 | 551 | 1,215 | 390 Television, radios, sound | | | | | | | | equipment.....................| 577 | 596 | 311 | 468 | 552 | 696 | 952 | 503 Pets, toys, and playground | | | | | | | | equipment.....................| 327 | 339 | 141 | 201 | 295 | 427 | 631 | 282 Other entertainment supplies, | | | | | | | | equipment and serv............| 439 | 442 | 83 | 214 | 235 | 507 | 1,171 | 427 Personal care products and | | | | | | | | services.......................| 528 | 551 | 258 | 407 | 556 | 622 | 913 | 445 Reading...........................| 164 | 171 | 76 | 114 | 150 | 191 | 326 | 132 Education.........................| 571 | 548 | 440 | 277 | 416 | 509 | 1,096 | 668 Tobacco products and smoking | | | | | | | | supplies.......................| 264 | 271 | 219 | 262 | 290 | 313 | 273 | 233 Miscellaneous.....................| 847 | 888 | 490 | 588 | 815 | 1,162 | 1,385 | 681 Cash contributions................| 1,001 | 1,085 | 355 | 709 | 938 | 1,151 | 2,268 | 655 Personal insurance and pensions...| 3,223 | 3,830 | 371 | 1,072 | 2,604 | 4,887 | 10,203 | 716 Life and other personal insurance| 379 | 387 | 125 | 205 | 319 | 443 | 839 | 346 Pensions and Social Security.....| 2,844 | 3,444 | 246 | 867 | 2,284 | 4,444 | 9,364 | 370 Money income before taxes.........| 39,926 | 39,926 | 7,086 | 17,246 | 30,285 | 48,478 | 96,397 | (1) Wages and salaries...............| 31,506 | 31,506 | 2,318 | 8,896 | 22,080 | 40,592 | 83,519 | (1) Self-employment income(1)........| 1,969 | 1,969 | -199 | 474 | 1,354 | 2,050 | 6,157 | (1) Social Security, private and | | | | | | | | government retireme...........| 4,531 | 4,531 | 3,511 | 6,290 | 5,194 | 4,056 | 3,601 | (1) Interest, dividends, rental | | | | | | | | income, other proper..........| 822 | 822 | 85 | 308 | 570 | 993 | 2,151 | (1) Unemployment and workers.........| 206 | 206 | 100 | 213 | 212 | 237 | 267 | (1) Public assistance, supplemental | | | | | | | | security income,..............| 382 | 382 | 902 | 558 | 267 | 119 | 65 | (1) Regular contributions for support| 293 | 293 | 170 | 279 | 396 | 269 | 352 | (1) Other income.....................| 217 | 217 | 198 | 228 | 212 | 163 | 284 | (1) Personal taxes....................| 3,241 | 3,241 | 78 | 407 | 1,859 | 3,967 | 9,882 | (1) Federal income taxes.............| 2,468 | 2,468 | 6 | 211 | 1,354 | 3,015 | 7,742 | (1) State and local income taxes(1)..| 645 | 645 | 20 | 116 | 395 | 800 | 1,891 | (1) Other taxes......................| 129 | 129 | 52 | 80 | 111 | 152 | 249 | (1) Income after taxes................| 36,684 | 36,684 | 7,008 | 16,839 | 28,426 | 44,512 | 86,515 | (1) Net change in total assets and | | | | | | | | liabilities....................| 1,105 | 489 | 146 | 476 | -1,788 | -1,317 | 4,920 | 3,646 Net change in total assets(1)....| 5,886 | 5,405 | 1,089 | 1,240 | 3,103 | 4,871 | 16,699 | 7,870 Net change in total liabilities..| 4,781 | 4,916 | 943 | 764 | 4,891 | 6,188 | 11,779 | 4,224 Other money receipts..............| 458 | 526 | 191 | 235 | 403 | 856 | 946 | 176 Mortgage principal paid on owned | | | | | | | | property.......................| -1,051 | -1,048 | -234 | -340 | -646 | -1,200 | -2,817 | -1,062 Estimated market value of owned | | | | | | | | home...........................| 76,480 | 75,617 | 32,755 | 48,184 | 57,407 | 84,328 | 155,224 | 80,042 Estimated monthly rental value of | | | | | | | | owned home.....................| 538 | 533 | 240 | 355 | 425 | 620 | 1,024 | 557 Gifts of goods and services.......| 1,059 | 1,069 | 573 | 615 | 950 | 1,064 | 2,142 | 1,032 Food.............................| 68 | 65 | 24 | 38 | 50 | 66 | 147 | 79 Housing..........................| 273 | 277 | 164 | 172 | 212 | 292 | 547 | 261 Housekeeping supplies...........| 37 | 40 | 21 | 28 | 30 | 48 | 72 | 26 Household textiles..............| 8 | 9 | 6 | 5 | 6 | 11 | 18 | 6 Appliances and miscellaneous | | | | | | | | housewares...................| 27 | 30 | 14 | 14 | 28 | 33 | 61 | 17 Major appliances...............| 6 | 7 | (4)2 | 6 | 5 | 9 | 12 | 5 Small appliances and | | | | | | | | miscellaneous housewares....| 21 | 23 | 12 | 8 | 23 | 25 | 49 | 12 Miscellaneous household | | | | | | | | equipment....................| 66 | 69 | 30 | 35 | 57 | 77 | 147 | 54 Other housing...................| 135 | 129 | 93 | 90 | 92 | 123 | 248 | 158 Apparel and services.............| 252 | 258 | 106 | 144 | 260 | 272 | 507 | 233 Males, 2 and over...............| 61 | 61 | 25 | 42 | 55 | 59 | 121 | 64 Females, 2 and over.............| 81 | 82 | 45 | 42 | 88 | 91 | 145 | 77 Children under 2................| 33 | 33 | 14 | 25 | 35 | 37 | 55 | 29 Other apparel products and | | | | | | | | services.....................| 77 | 81 | 23 | 34 | 82 | 84 | 185 | 63 Jewelry and watches............| 49 | 50 | (4)9 | (4)5 | 47 | 46 | 146 | 42 All other apparel products and | | | | | | | | services....................| 29 | 31 | 14 | 28 | 35 | 38 | 40 | 21 Transportation...................| 57 | 62 | 38 | 43 | 53 | 83 | 92 | 36 Health care......................| 30 | 31 | 14 | 33 | 21 | 25 | 64 | 27 Entertainment....................| 99 | 102 | 46 | 63 | 118 | 104 | 179 | 87 Toys, games, hobbies, and | | | | | | | | tricycles....................| 41 | 42 | 17 | 23 | 45 | 55 | 69 | 38 Other entertainment.............| 58 | 60 | 29 | 40 | 73 | 49 | 111 | 48 Education........................| 155 | 141 | 101 | 57 | 55 | 104 | 389 | 215 All other gifts..................| 125 | 133 | 80 | 65 | 181 | 119 | 219 | 94 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________ 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. 4 Data are likely to have large sampling errors. n.a. Not applicable