Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999 Complete reporting of income a/ Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 81,692 3,909 7,588 8,639 6,995 11,560 9,453 7,381 10,999 15,168 Income before taxes b/ ...................... $43,951 $1,633 $7,631 $12,338 $17,311 $24,467 $34,353 $44,321 $58,473 $113,441 Income after taxes b/ ....................... 40,652 1,234 7,576 12,163 16,927 23,487 32,458 41,405 54,073 102,616 Age of the reference person.................. 47.9 39.1 55.3 55.8 50.9 48.8 45.8 44.7 43.9 45.8 Average number in consumer unit: Persons..................................... 2.5 1.9 1.7 2.0 2.2 2.5 2.5 2.6 2.9 3.1 Children under 18........................... .7 .5 .4 .5 .6 .7 .7 .7 .8 .9 Persons 65 and over......................... .3 .2 .5 .5 .5 .4 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .7 .9 1.1 1.4 1.6 1.9 2.1 Vehicles.................................... 2.0 1.0 .9 1.3 1.5 1.8 2.1 2.3 2.5 2.8 Percent distribution: Male........................................ 55 43 32 40 49 56 58 61 66 69 Female...................................... 45 57 68 60 51 44 42 39 34 31 Homeowner................................... 64 29 43 54 53 61 63 67 77 88 With mortgage.............................. 38 13 8 15 18 28 37 46 59 72 Without mortgage........................... 26 16 35 39 34 33 26 20 18 16 Renter...................................... 36 71 57 46 47 39 37 33 23 12 Black....................................... 11 19 19 14 16 11 10 9 8 6 White and other............................. 89 81 81 86 84 89 90 91 92 94 Elementary (1-8)............................ 6 8 19 12 10 6 5 3 2 1 High school (9-12).......................... 38 41 49 50 48 47 40 33 33 21 College..................................... 55 51 33 37 41 47 55 64 65 78 Never attended and other.................... c/ c/ c/ c/ c/ c/ c/ c/ c/ d/ At least one vehicle owned or leased........ 88 60 60 79 85 92 95 95 97 97 Average annual expenditures.................. $39,143 $17,983 $14,921 $19,710 $24,367 $28,916 $35,048 $40,826 $49,606 $76,742 Food........................................ 5,216 2,873 2,576 2,917 3,821 4,322 5,060 5,823 6,527 8,725 Food at home............................. 3,010 1,804 1,817 1,993 2,520 2,697 2,918 3,457 3,724 4,328 Cereals and bakery products............ 461 271 301 306 385 395 440 518 581 667 Cereals and cereal products.......... 163 95 120 113 142 140 170 193 195 217 Bakery products...................... 298 177 181 194 243 255 271 325 387 450 Meats, poultry, fish, and eggs......... 758 492 507 526 671 709 742 854 913 1,023 Beef................................. 219 121 147 144 184 192 212 261 274 308 Pork................................. 157 84 113 111 147 169 156 187 186 187 Other meats.......................... 99 70 60 81 90 101 94 104 124 125 Poultry.............................. 140 112 88 97 109 128 133 158 167 199 Fish and seafood..................... 109 76 73 64 110 86 112 112 125 165 Eggs................................. 33 28 25 29 32 32 36 33 36 39 Dairy products......................... 338 204 190 220 266 296 334 383 428 499 Fresh milk and cream................. 128 93 79 90 109 113 140 137 162 170 Other dairy products................. 210 111 111 130 157 184 194 245 266 329 Fruits and vegetables.................. 515 323 307 361 440 471 486 591 598 753 Fresh fruits......................... 158 110 90 111 130 144 144 182 177 239 Fresh vegetables..................... 153 90 93 107 131 141 149 172 176 224 Processed fruits..................... 116 64 69 84 96 106 108 129 141 172 Processed vegetables................. 88 59 55 58 82 80 85 109 104 119 Other food at home..................... 938 514 510 580 758 825 916 1,112 1,204 1,386 Sugar and other sweets............... 119 77 70 73 108 109 112 129 159 165 Fats and oils........................ 85 56 52 55 86 82 88 107 95 107 Miscellaneous foods.................. 438 212 225 261 340 378 431 532 567 668 Nonalcoholic beverages............... 254 143 150 173 205 226 250 289 333 354 Food prepared by consumer unit on out-of-town trips................... 43 26 14 19 18 30 36 56 50 91 Food away from home.................... 2,206 1,069 759 923 1,301 1,625 2,142 2,365 2,803 4,398 Alcoholic beverages......................... 348 271 100 180 205 267 292 345 443 696 Housing..................................... 12,314 6,403 5,737 7,106 8,323 9,419 10,863 12,643 14,873 23,067 Shelter.................................. 7,061 3,887 3,265 4,011 4,601 5,304 6,323 7,404 8,306 13,381 Owned dwellings........................ 4,506 1,281 1,170 1,718 1,923 2,745 3,556 4,375 5,945 10,739 Mortgage interest and charges........ 2,517 585 359 482 712 1,207 1,958 2,680 3,631 6,546 Property taxes....................... 1,080 382 430 634 650 770 851 930 1,311 2,324 Maintenance, repairs, insurance,other expenses............................ 909 314 380 602 561 768 748 766 1,002 1,869 Rented dwellings....................... 2,081 2,357 1,965 2,128 2,480 2,300 2,469 2,674 1,850 1,325 Other lodging.......................... 475 249 130 165 198 260 297 355 511 1,317 Utilities, fuels, and public services.... 2,368 1,311 1,506 1,825 1,944 2,159 2,298 2,491 2,795 3,412 Natural gas............................ 262 129 162 199 233 233 241 270 302 398 Electricity............................ 888 502 605 728 764 841 860 922 1,043 1,203 Fuel oil and other fuels............... 77 34 52 68 65 76 85 76 76 106 Telephone services..................... 851 525 529 626 656 752 850 914 1,018 1,241 Water and other public services........ 290 121 157 204 225 258 261 309 355 464 Household operations..................... 717 267 221 300 442 377 385 624 801 1,898 Personal services...................... 357 113 102 104 260 164 178 353 441 933 Other household expenses............... 361 154 118 197 182 213 207 271 359 965 Housekeeping supplies.................... 549 238 258 285 347 451 515 575 784 945 Laundry and cleaning supplies.......... 131 84 75 87 116 131 119 143 168 180 Other household products............... 278 101 122 120 152 213 255 292 424 509 Postage and stationery................. 140 53 61 78 78 107 141 141 191 256 Household furnishings and equipment...... 1,619 700 488 684 990 1,127 1,343 1,549 2,188 3,431 Household textiles..................... 125 42 46 50 93 115 106 116 169 236 Furniture.............................. 391 208 109 176 225 266 364 304 515 840 Floor coverings........................ 46 e/ 49 13 27 21 20 34 53 50 106 Major appliances....................... 190 86 69 108 151 174 158 209 228 340 Small appliances, miscellaneous housewares............................ 114 48 33 41 56 78 93 96 183 246 Miscellaneous household equipment...... 752 266 217 281 444 474 587 771 1,043 1,664 Apparel and services........................ 1,871 993 699 893 1,356 1,553 1,904 1,677 2,139 3,625 Men and boys............................. 451 218 125 133 243 353 513 413 554 943 Men, 16 and over....................... 352 139 88 90 160 270 407 323 411 786 Boys, 2 to 15.......................... 99 78 37 44 83 84 105 90 143 158 Women and girls.......................... 707 431 296 411 652 566 680 603 808 1,289 Women, 16 and over..................... 594 395 258 332 592 451 584 511 662 1,080 Girls, 2 to 15......................... 113 36 38 78 60 115 97 92 146 208 Children under 2......................... 74 e/ 41 43 37 33 64 74 107 87 125 Footwear................................. 327 166 126 175 280 354 425 299 375 475 Other apparel products and services...... 311 137 109 137 148 214 212 255 315 793 Transportation.............................. 7,222 3,117 2,240 3,697 4,576 5,485 6,973 8,352 9,380 13,363 Vehicle purchases (net outlay)........... 3,407 1,453 947 1,797 2,110 2,500 3,239 4,138 4,317 6,437 Cars and trucks, new................... 1,616 e/ 419 479 799 961 996 1,237 1,769 1,781 3,773 Cars and trucks, used.................. 1,756 1,033 467 991 1,145 1,490 1,916 2,326 2,503 2,589 Other vehicles......................... 35 e/ 1 d/ e/ 8 e/ 4 e/ 14 e/ 86 e/ 43 33 75 Gasoline and motor oil................... 1,071 552 425 603 736 928 1,124 1,246 1,451 1,666 Other vehicle expenses................... 2,335 951 707 1,119 1,478 1,781 2,296 2,610 3,145 4,322 Vehicle finance charges................ 329 130 60 90 175 237 360 414 533 585 Maintenance and repairs................ 711 328 263 445 554 576 705 811 870 1,200 Vehicle insurance...................... 781 310 263 430 526 677 798 870 1,050 1,308 Vehicle rental, leases, licenses, other charges.............................. 514 183 121 153 222 291 433 514 692 1,229 Public transportation.................... 408 161 162 178 252 276 314 358 468 939 Health care................................. 2,042 935 1,162 1,641 1,921 2,019 1,970 2,023 2,391 2,870 Health insurance......................... 945 343 604 810 876 969 965 1,032 1,065 1,220 Medical services......................... 579 359 206 290 452 517 552 522 748 1,016 Drugs.................................... 398 180 299 432 503 430 351 331 419 459 Medical supplies......................... 119 54 53 110 91 102 102 138 159 174 Entertainment............................... 1,978 908 643 969 1,014 1,323 1,681 1,882 2,754 4,121 Fees and admissions...................... 482 187 128 159 216 262 335 489 634 1,189 Television, radios, sound equipment...... 632 333 309 395 468 511 607 629 862 1,023 Pets, toys, and playground equipment..... 368 155 128 187 229 263 284 431 513 710 Other entertainment supplies, equipment,and services.................. 496 233 78 227 102 288 456 333 746 1,199 Personal care products and services......... 447 233 219 209 294 385 452 500 525 794 Reading..................................... 169 68 68 102 106 132 147 166 209 330 Education................................... 593 863 354 267 255 309 347 425 602 1,430 Tobacco products and smoking supplies....... 315 259 223 257 295 305 336 376 391 328 Miscellaneous............................... 936 359 348 377 579 705 875 948 1,102 1,951 Cash contributions.......................... 1,341 299 245 504 608 845 1,057 1,118 1,847 3,270 Personal insurance and pensions............. 4,352 401 306 590 1,014 1,849 3,092 4,548 6,421 12,172 Life and other personal insurance........ 408 139 119 168 169 264 342 349 517 970 Pensions and Social Security............. 3,944 262 187 423 844 1,585 2,750 4,199 5,904 11,202 Sources of income and personal taxes: b/ Money income before taxes.................. 43,951 1,633 7,631 12,338 17,311 24,467 34,353 44,321 58,468 113,441 Wages and salaries....................... 34,456 1,612 1,950 4,415 9,032 15,252 26,391 36,568 50,690 94,880 Self-employment income................... 2,603 -1,094 89 267 456 1,127 1,447 1,725 2,202 9,699 Social Security, private and government retirement................... 4,798 414 4,292 6,345 6,345 6,726 5,033 4,589 3,818 3,782 Interest, dividends, rental income, other property income................... 1,104 29 75 175 344 476 590 625 988 3,894 Unemployment and workers'' compensation, veterans'' benefits..................... 177 40 49 83 184 221 307 223 183 183 Public assistance, supplemental security, income, food stamps..................... 320 341 822 651 515 287 203 144 157 88 Regular contributions for support........ 262 148 170 270 284 216 257 284 331 300 Other income............................. 230 143 184 133 151 161 124 164 98 615 Personal taxes............................. 3,299 400 55 174 384 980 1,895 2,916 4,401 10,824 Federal income taxes..................... 2,513 326 -13 55 188 637 1,392 2,157 3,303 8,541 State and local income taxes............. 616 16 18 38 88 198 366 603 906 1,912 Other taxes.............................. 170 58 50 82 108 144 137 156 192 372 Income after taxes......................... 40,652 1,234 7,576 12,163 16,927 23,487 32,458 41,405 54,073 102,616 Net change in total assets and liabilities... -274 -226 554 675 -256 859 -1,921 -5,435 -1,527 2,334 Net change in total assets............... 6,430 -531 1,135 1,549 490 3,453 3,581 2,161 8,114 21,291 Net change in total liabilities.......... 6,703 -306 581 873 746 2,594 5,502 7,596 9,641 18,958 Other financial information: Other money receipts..................... 799 682 423 94 175 301 324 368 1,139 2,345 Mortgage principal paid on owned property................................ -1,409 -4,403 -153 -269 -531 -589 -1,079 -1,080 -1,584 -3,182 Estimated market value of owned home..... 84,050 31,061 35,120 46,218 50,903 61,314 66,689 73,496 98,476 181,843 Estimated monthly rental value of owned home.................................... 584 210 264 363 388 446 504 539 739 1,124 Gifts of goods and services................. 1,143 583 429 565 655 824 935 850 1,289 2,619 Food..................................... 86 23 23 16 20 32 65 50 78 282 Housing.................................. 306 146 121 179 181 220 243 227 358 678 Housekeeping supplies.................. 47 15 14 23 22 41 46 31 77 88 Household textiles..................... 18 d/ 12 7 20 10 17 20 17 39 Appliances and miscellaneous housewares........................... 36 e/ 2 e/ 3 19 22 26 33 38 42 80 Major appliances..................... 9 e/ 1 e/ 1 e/ 11 e/ 17 e/ 6 e/ 4 22 8 9 Small appliances and miscellaneous housewares......................... 27 e/ 1 e/ 2 7 5 20 29 16 33 71 Miscellaneous household equipment...... 72 15 26 35 39 66 55 56 79 167 Other housing.......................... 133 113 65 96 78 77 92 82 144 304 Apparel and services..................... 230 107 122 131 177 202 220 202 259 419 Males, 2 and over...................... 59 32 27 34 32 48 59 60 61 118 Females, 2 and over.................... 81 17 43 50 78 72 70 46 91 158 Children under 2....................... 36 e/ 6 29 19 13 34 33 35 41 69 Other apparel products and services.... 54 52 23 28 53 49 59 62 66 74 Jewelry and watches.................. 28 18 12 10 20 35 25 38 39 35 All other apparel products and services............................ 26 e/ 33 e/ 11 e/ 18 33 14 33 e/ 25 28 40 Transportation........................... 68 69 26 31 31 83 34 43 87 134 Health care.............................. 46 e/ 49 e/ 22 43 50 45 37 17 35 85 Entertainment............................ 107 36 30 64 65 75 79 102 144 225 Toys, games, hobbies, and tricycles.... 34 15 11 17 20 32 28 41 52 55 Other entertainment.................... 73 20 19 47 45 43 51 61 92 170 Education................................ 153 83 e/ 22 36 e/ 28 55 72 63 182 509 All other gifts.......................... 148 70 63 64 103 111 185 146 146 286 a See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. b Components of income and taxes are derived from "complete income reporters" only; see glossary. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors.