TABLE19: AGE OF REFERENCE PERSON AND INCOME BEFORE TAXES, AGE 45 TO 54, CONSUMER EXPENDITURE SURVEY, 1986-87 TOT COMPL ITEM REPORTERS <5000 5-9.9 10-14.9 15-19.9 20-29.9 30-39.9 40-49.9 50_OVER Number of consumer units (in thousands)......... 11034 787 905 962 778 1894 1721 1427 2560 Number of sample interviews..................... 9313 558 734 763 669 1619 1491 1141 2338 Income before taxes 1/.......................... 35138 647 7498 12307 17344 25007 34242 44435 72408 Income after taxes 1/........................... 31526 -313 7507 11472 16411 22822 30955 39983 64037 Average number of persons in consumer unit...... 2.9 2.4 2.6 2.7 2.9 2.7 2.9 3.2 3.4 Age of reference person......................... 49.3 49.4 49.3 49 49 49.3 49.4 49.3 49.4 Average number of: Earners...................................... 2 1.2 1.3 1.4 1.8 1.8 2.1 2.3 2.6 Vehicles..................................... 2.7 1.7 1.5 1.9 2.2 2.5 3 3.3 3.6 Children under 18............................ 0.6 0.6 0.6 0.7 0.8 0.6 0.6 0.7 0.7 Persons 65 and over.......................... 0 0 0.1 0 0 0 0 0.1 0 Percent distribution: Male......................................... 74 56 52 63 58 69 78 87 89 Female....................................... 26 44 48 37 42 31 22 13 11 Homeowner with mortgage...................... 57 34 29 32 40 55 61 73 80 Homeowner without mortgage................... 19 21 21 22 20 22 22 17 13 Renter....................................... 24 46 50 46 40 23 17 10 6 Black........................................ 11 25 19 21 11 11 7 8 5 White and other.............................. 89 75 81 79 89 89 93 92 95 Elementary (1-8)............................. 9 19 20 15 15 9 7 4 2 High school (9-12)........................... 48 52 54 58 48 57 52 49 29 College...................................... 43 29 24 26 37 33 40 47 69 Never attended and other..................... 1 0 2 2 0 1 0 0 At least one vehicle owned................... 92 72 75 87 91 96 97 94 98 Average annual expenditures..................... 32650 17444 15150 16291 21777 25629 31845 38844 54794 Food......................................... 4722 2701 2835 2888 2922 4059 4556 5560 7188 Food at home.............................. 2697 1838 2052 1979 1853 2537 2705 3190 3464 Cereals and bakery products............ 365 267 277 298 255 345 341 452 462 Cereals and cereal products......... 120 101 113 118 77 118 100 142 148 Bakery products..................... 245 165 163 180 178 227 241 310 315 Meats, poultry, fish, and eggs......... 795 517 657 572 576 788 837 902 961 Beef................................ 281 159 155 173 216 258 345 302 365 Pork................................ 158 107 181 129 122 160 169 182 162 Other meats......................... 112 96 110 86 72 112 122 130 121 Poultry............................. 116 77 94 97 77 104 99 132 162 Fish and seafood.................... 88 51 74 53 60 96 69 120 113 Eggs................................ 39 27 42 36 29 58 33 36 37 Dairy products......................... 333 235 234 253 195 332 328 390 433 Fresh milk and cream................ 155 125 124 145 102 166 151 166 183 Other dairy products................ 178 110 109 108 93 166 178 224 250 Fruits and vegetables.................. 426 328 340 312 279 396 400 511 561 Fresh fruits........................ 130 95 82 90 87 120 115 180 175 Fresh vegetables.................... 131 103 107 86 86 132 132 134 170 Processed fruits.................... 92 72 79 70 55 75 90 115 122 Processed vegetables................ 74 58 72 65 51 69 63 82 95 Other food at home..................... 735 460 529 531 532 643 754 862 984 Sugar and other sweets.............. 100 52 75 78 62 91 110 121 129 Fats and oils....................... 67 57 64 46 42 67 66 73 85 Miscellaneous foods................. 305 195 202 207 220 251 295 358 444 Nonalcoholic beverages.............. 262 157 188 201 208 235 283 310 326 Food pre. by cu on out of town trips... 43 31 15 13 15 32 45 74 64 Food away from home....................... 2025 864 784 909 1069 1522 1851 2370 3724 Alcoholic beverages.......................... 343 167 179 169 170 308 324 296 608 Housing...................................... 9005 5958 5171 5369 6332 7031 8306 10119 14733 Shelter................................... 4873 3394 2788 3024 3413 3652 4497 5369 8084 Owned dwellings........................ 3182 1963 1112 1221 1492 2233 2940 3989 5952 Mortgage interest................... 2013 1234 619 657 880 1384 1791 2662 3849 Property taxes...................... 594 387 234 263 292 464 655 623 1040 Maint., rep., ins., other expenses.. 575 342 258 301 319 385 494 704 1062 Rented dwellings....................... 956 1231 1420 1558 1590 1034 882 654 448 Other lodging.......................... 736 200 256 245 331 384 675 726 1684 Utilities, fuels, and public services..... 2029 1609 1507 1564 1600 1847 1995 2225 2695 Natural gas............................ 293 214 256 205 219 232 292 354 399 Electricity............................ 843 697 643 645 658 768 846 892 1117 Fuel oil and other fuels............... 110 98 69 92 76 135 107 102 133 Telephone.............................. 585 476 415 473 505 528 564 639 770 Water and other public services........ 197 124 124 149 143 184 185 238 276 Household operations...................... 266 93 128 68 129 171 236 286 563 Personal services...................... 46 2 7 17 29 38 76 66 64 Other household expenses............... 220 91 120 51 100 134 161 220 499 Housekeeping supplies..................... 451 268 257 242 550 366 429 538 621 Laundry and cleaning supplies.......... 131 84 92 74 114 131 135 153 162 Other household products............... 170 93 107 94 122 125 173 235 249 Postage and stationery................. 149 92 58 74 314 111 121 151 210 Household furnishings and equipment....... 1386 594 491 471 640 994 1148 1701 2770 Household textiles..................... 137 87 51 49 89 119 89 132 274 Furniture.............................. 370 135 153 142 175 299 336 297 779 Floor coverings........................ 107 9 2 7 63 26 52 301 222 Major appliances....................... 202 146 81 105 105 186 203 260 306 Small appliances & misc. housewares.... 80 51 34 29 56 60 89 102 131 Miscellaneous household equipment...... 490 167 169 138 151 306 380 608 1058 Apparel and services......................... 1932 913 908 645 1083 1501 2095 2151 3317 Men and boys.............................. 511 178 168 137 304 351 558 627 927 Men, 16 and over....................... 440 124 149 109 247 323 483 446 835 Boys, 2 to 15.......................... 72 53 19 28 57 28 74 182 91 Women and girls........................... 841 431 432 209 467 676 880 921 1449 Women, 16 and over..................... 760 408 399 158 416 614 802 804 1317 Girls, 2 to 15......................... 81 23 33 51 51 63 78 118 133 Children under 2.......................... 41 44 25 22 33 37 59 35 49 Footwear.................................. 234 79 132 163 120 193 296 276 326 Other apparel products and services....... 305 180 150 116 159 244 303 291 567 Transportation............................... 6533 3296 2826 2917 4813 5290 6726 8279 10524 Vehicle purchases......................... 3042 1641 1268 891 2358 2385 3183 3910 5024 Cars and trucks, new (net outlay)...... 1704 410 548 306 1039 1027 1980 2317 3210 Cars and trucks, used (net outlay)..... 1304 1216 718 581 1268 1310 1154 1580 1764 Other vehicles......................... 34 15 2 4 51 48 49 12 51 Gasoline and motor oil.................... 1205 735 640 778 984 1110 1323 1423 1645 Other vehicle expenses.................... 1952 774 779 1005 1328 1592 1930 2689 3131 Vehicle finance charges................ 389 144 106 157 208 297 396 605 652 Maintenance and repairs................ 693 332 342 369 500 594 697 1006 995 Vehicle insurance...................... 628 236 268 403 406 535 641 742 1024 Vehicle rent., licenses, other charges. 241 62 63 75 214 165 196 336 460 Public transportation..................... 335 146 140 244 143 203 289 258 724 Health care.................................. 1255 726 720 846 1451 1170 1228 1424 1678 Health insurance.......................... 388 218 241 347 473 430 394 407 437 Medical services.......................... 542 371 257 278 696 413 512 587 840 Drugs..................................... 226 99 178 167 205 244 224 283 262 Medical supplies.......................... 98 39 43 54 78 83 98 147 140 Entertainment................................ 1510 939 519 701 872 932 1662 1986 2584 Fees and admissions....................... 438 221 133 131 184 214 413 478 967 Television, radios, sound equipment....... 476 316 234 334 338 343 476 627 723 Pets, toys, and playground equipment...... 245 128 91 126 182 223 246 334 356 Other ent. sup., equip., and services..... 350 274 61 110 168 152 527 547 537 Personal care products and services.......... 426 227 189 215 321 321 383 540 709 Reading...................................... 177 106 90 86 126 141 190 212 279 Education.................................... 635 205 219 120 251 345 549 486 1577 Tobacco products and smoking supplies........ 328 289 282 312 364 363 314 365 312 Miscellaneous................................ 763 464 188 388 563 782 774 870 1166 Cash contributions........................... 1240 850 203 503 764 714 905 1380 2685 Personal insurance and pensions.............. 3782 602 822 1130 1744 2671 3833 5175 7433 Life and other personal insurance......... 434 232 242 241 310 342 460 504 684 Pensions and Social Security.............. 3349 370 580 889 1434 2328 3373 4671 6750 Money income before taxes....................... 35138 647 7498 12307 17344 25007 34242 44435 72408 Wages and salaries........................... 30031 2183 4092 8472 14059 21428 30317 39362 61684 Self-employment income....................... 2552 -2412 215 912 725 1235 1760 2641 7533 S. Security, private and gvrnmnt retirement.. 947 178 1100 1299 1096 1021 840 982 950 Int.,divid.,rent. income,other prop. income.. 707 -338 288 296 252 539 562 775 1653 Unemp. and workers' compen., veterans' ben... 325 31 387 326 630 453 362 239 231 Pub. ass., supp. sec. income, foodstamps..... 272 721 1213 723 140 188 10 70 21 Regular contributions for support............ 186 262 90 224 238 93 344 209 116 Other income................................. 117 23 113 54 205 52 47 156 219 Personal taxes.................................. 3612 960 -9 835 933 2185 3287 4452 8371 Federal income taxes......................... 2866 713 -65 681 682 1734 2490 3380 6850 State and local income taxes................. 667 241 26 110 206 424 698 919 1392 Other taxes.................................. 80 6 30 44 44 27 99 153 130 Income after taxes.............................. 31526 -313 7507 11472 16411 22822 30955 39983 64037 Net change in total assets................... 2991 -123 1262 -8 1016 -821 2710 2960 9314 Net change in total liabilities.............. 2708 -1928 2409 2674 224 358 -1650 6718 7440 Other money receipts......................... 368 152 268 246 234 279 254 567 589 Mortgage principal paid on owned property.... -728 -502 -353 -407 -420 -553 -691 -851 -1230 Estimated market value of owned home......... 69957 38820 36060 28775 36298 60461 66067 85105 118000 Estimated monthly rental value of owned home. 422 256 189 192 224 351 417 496 717 Gifts of: Clothing, males 2 and over................... 99 35 50 32 76 79 90 81 188 Clothing, females 2 and over................. 121 46 59 42 88 87 121 123 217 Clothing, infants less than 2................ 33 13 14 20 31 28 44 28 47 Jewelry and watches.......................... 34 14 8 2 19 43 21 31 69 Small appliances & misc. housewares.......... 23 7 8 4 21 14 29 27 40 Household textiles........................... 16 7 3 0 17 3 5 42 33 All other gifts.............................. 1014 311 258 386 760 582 825 984 2251 -------------------------------------------------------------------------------------------------------------------------- 1/ Components of income and taxes are drived from "Complete income reporters" only; see glossary.