Table 3. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1988-89 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 Item reporting than to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over ________________________________________________________________________________ Number of consumer units (in thousands)... 25084 1091 2712 3409 3119 4638 3498 6617 Number of sample interviews............... 18615 770 1909 2394 2324 3458 2600 5160 Income before taxes 1/.................... 31991 1501 7733 12373 17432 24733 34452 67714 Income after taxes 1/..................... 28980 1526 7603 12050 16437 23103 31643 59615 Average number of persons in cons. unit... 2 2 2 2 2 2 2 2 Age of reference person................... 52.9 49.6 58.1 60.5 56.7 52.7 48.2 48.1 Average number of: Earners.................................. 1.2 0.9 0.7 0.7 1 1.2 1.5 1.7 Vehicles................................. 2.1 1.2 1.3 1.6 2 2.2 2.4 2.8 Children under 18........................ 0.1 0.3 0.2 0.1 0.1 0.1 0.1 0 Persons 65 and over...................... 0.6 0.4 0.8 1 0.8 0.6 0.4 0.3 Percent distribution: Male..................................... 73 48 59 70 72 75 74 83 Female................................... 27 52 41 30 28 25 26 17 Homeowner with mortgage.................. 35 17 14 16 23 32 38 63 Homeowner without mortgage............... 35 24 45 49 46 37 32 21 Renter................................... 30 59 41 35 31 30 30 16 Black.................................... 8 30 17 8 6 7 4 4 White and other.......................... 92 70 83 92 94 93 96 96 Elementary (1-8)......................... 13 23 34 25 14 11 5 2 High school (9-12)....................... 43 49 46 51 56 49 42 27 College.................................. 43 25 17 23 30 40 53 71 Never attended and other................. 1 3 3 1 0 0 0 0 At least one vehicle owned................ 92 67 76 89 94 97 97 97 Average annual expenditures............... 28321 13880 13511 17753 19601 25269 31809 46625 Food..................................... 3947 2512 2733 2910 3203 3725 4492 5429 Food at home............................ 2202 1799 1967 1993 2066 2193 2462 2400 Cereals and bakery products............ 315 266 299 301 310 314 348 322 Cereals and cereal products........... 106 112 112 109 103 107 111 100 Bakery products....................... 209 155 187 191 207 206 238 222 Meats, poultry, fish, and eggs......... 583 520 541 547 589 552 636 618 Beef.................................. 188 139 170 161 227 181 216 188 Pork.................................. 122 124 129 134 112 113 136 117 Other meats........................... 79 72 84 82 67 77 84 80 Poultry............................... 96 82 78 80 91 93 100 116 Fish and seafood...................... 71 73 51 59 67 62 73 94 Eggs.................................. 27 30 30 31 25 26 29 23 Dairy products......................... 270 204 266 246 250 275 302 284 Fresh milk and cream.................. 120 118 128 125 123 127 125 107 Other dairy products.................. 150 86 138 121 127 148 178 177 Fruits and vegetables.................. 404 335 342 381 379 393 471 434 Fresh fruits.......................... 132 104 109 121 120 128 167 140 Fresh vegetables...................... 128 109 105 113 122 126 140 145 Processed fruits...................... 84 62 75 91 86 80 90 86 Processed vegetables.................. 61 60 52 56 52 59 75 64 Other food at home..................... 630 473 519 519 538 659 703 742 Sugar and other sweets................ 78 69 71 62 65 78 99 85 Fats and oils......................... 59 48 58 58 60 63 64 54 Miscellaneous foods................... 262 197 203 205 218 278 293 320 Nonalcoholic beverages................ 195 148 177 174 171 203 204 222 Food prep. by cu, out-of-town trips... 36 12 10 20 24 38 43 61 Food away from home..................... 1745 714 766 916 1137 1532 2030 3029 Alcoholic beverages...................... 309 169 122 142 185 244 405 546 Housing.................................. 8561 4818 4667 5962 5780 7444 9001 13977 Shelter................................. 4717 2716 2293 3080 2811 3953 4958 8189 Owned dwellings........................ 2821 998 998 1254 1265 2116 2626 6005 Mortgage interest..................... 1496 457 258 335 424 844 1418 3775 Property taxes........................ 643 285 351 464 401 621 608 1060 Maintenance, rep., ins., oth. exp..... 682 256 388 454 440 651 599 1170 Rented dwellings....................... 1308 1556 1133 1363 1315 1431 1661 1035 Other lodging.......................... 588 162 163 463 231 406 671 1148 Utilities, fuels, and public services... 1817 1282 1462 1602 1641 1743 1837 2284 Natural gas............................ 247 146 223 239 207 243 222 312 Electricity............................ 733 528 614 672 675 718 730 885 Fuel oil and other fuels............... 113 112 90 120 112 101 100 135 Telephone.............................. 540 371 398 432 492 508 600 697 Water and other public services........ 184 125 137 140 156 172 186 255 Household operations.................... 331 145 212 214 206 276 295 587 Personal services...................... 62 39 127 69 60 74 69 26 Other household expenses............... 269 107 86 145 147 202 226 560 Housekeeping supplies................... 435 232 264 431 382 429 467 556 Laundry and cleaning supplies.......... 102 71 86 82 101 105 119 113 Other household products............... 194 73 110 249 148 178 181 264 Postage and stationery................. 139 89 68 100 133 146 168 179 Household furnishings and equipment..... 1262 442 436 635 740 1042 1443 2361 Household textiles..................... 120 57 40 59 70 128 134 205 Furniture.............................. 340 101 91 193 184 269 322 690 Floor coverings........................ 81 3 15 17 54 61 111 166 Major appliances....................... 189 85 77 98 132 170 230 319 Small appliances, misc. housewares..... 80 37 21 56 44 51 95 154 Miscellaneous household equipment...... 451 159 191 213 256 362 552 827 Apparel and services..................... 1500 547 602 784 947 1272 1772 2672 Men and boys............................ 375 130 131 177 252 314 342 741 Men, 16 and over....................... 342 83 120 142 229 260 318 708 Boys, 2 to 15.......................... 33 47 11 34 23 54 23 34 Women and girls......................... 629 195 298 365 445 530 771 1053 Women, 16 and over..................... 589 165 269 329 420 489 715 1007 Girls, 2 to 15......................... 40 30 29 36 25 41 57 46 Children under 2........................ 39 37 11 17 25 24 68 61 Footwear................................ 174 91 72 101 120 178 236 255 Other apparel products and services..... 283 94 90 125 106 225 354 562 Transportation........................... 5537 2610 2068 3045 3843 5420 7086 8793 Vehicle purchases (net outlay).......... 2545 1149 728 1165 1693 2652 3488 4059 Cars and trucks, new................... 1538 562 322 468 832 1462 2169 2801 Cars and trucks, used.................. 992 581 407 693 859 1166 1286 1239 Other vehicles......................... 15 6 0 3 2 24 33 20 Gasoline and motor oil.................. 963 599 563 662 818 961 1161 1305 Other vehicle expenses.................. 1706 709 677 1060 1180 1594 2046 2776 Vehicle finance charges................ 292 80 89 126 175 281 414 493 Maintenance and repairs................ 622 372 282 447 443 604 672 967 Vehicle insurance...................... 587 187 250 385 443 566 699 917 Veh. rental, licenses, oth. charges.... 206 70 56 102 119 142 261 399 Public transportation................... 324 153 100 159 152 212 391 652 Health care.............................. 1697 808 1316 2024 1794 1837 1506 1790 Health insurance........................ 682 358 621 848 756 758 589 635 Medical services........................ 567 198 299 655 592 645 500 661 Drugs................................... 337 206 342 426 360 349 310 307 Medical supplies........................ 111 46 54 95 86 85 108 187 Entertainment............................ 1328 473 445 711 740 1191 1597 2378 Fees and admissions..................... 375 124 90 129 206 293 431 766 Television, radios, sound equipment..... 394 165 214 258 293 385 429 610 Pets, toys, and playground equipment.... 258 141 96 143 152 286 328 394 Other supplies, equip., and services.... 302 42 45 181 89 228 409 607 Personal care products and services...... 372 157 199 261 323 336 415 564 Reading.................................. 177 66 80 102 145 161 191 291 Education................................ 212 257 146 104 121 134 331 322 Tobacco products and smoking supplies.... 252 251 223 226 254 254 299 250 Miscellaneous............................ 671 592 316 379 492 662 676 1066 Cash contributions....................... 1066 129 237 459 595 772 968 2352 Personal insurance and pensions.......... 2692 491 358 642 1180 1818 3070 6194 Life and other personal insurance....... 399 173 172 256 369 298 409 681 Pensions and Social Security............ 2294 318 186 386 811 1520 2661 5513 Money income before taxes 1/.............. 31991 1501 7733 12373 17432 24733 34452 67714 Wages and salaries....................... 21111 1016 2205 3871 7805 14754 24699 49884 Self-employment income................... 2436 -1484 26 205 718 814 1784 7509 Soc. Sec., priv. and gov. retirement..... 5900 1044 4226 7314 7608 7027 5256 5405 Int., divid., rent. inc., property inc... 1861 124 114 331 745 1510 2005 4349 Unemp. and workers' compen., vet. ben.... 263 42 221 165 243 238 402 322 Pub. ass., supp. sec. inc., foodstamps... 158 609 712 163 96 26 32 42 Regular contributions for support........ 175 59 132 260 123 272 234 93 Other income............................. 87 92 96 65 95 92 40 110 Personal taxes 1/......................... 3010 -24 130 323 995 1630 2810 8099 Federal income taxes..................... 2429 -54 80 229 750 1229 2222 6675 State and local income taxes............. 517 -7 23 53 231 348 509 1302 Other taxes.............................. 65 38 27 41 14 53 78 122 Income after taxes 1/..................... 28980 1526 7603 12050 16437 23103 31643 59615 Net change in total assets................ 3565 217 25 -522 510 1698 3994 10195 Net change in total liabilities........... 3405 613 683 323 1807 1798 3705 8288 Other money receipts...................... 638 22 60 173 261 619 718 1366 Mortgage principal paid, owned property... -481 -270 -202 -225 -227 -324 -457 -1005 Estimated market value of owned home...... 67823 35418 35518 42556 48555 55407 62497 120022 Est. monthly rental value of owned home... 408 177 234 277 323 351 398 669 Gifts of goods and services, total........ 1008 475 306 516 513 1012 1085 1823 Clothing, males 2 and over............... 98 25 24 37 70 104 81 191 Clothing, females 2 and over............. 102 30 39 36 67 105 116 181 Clothing, infants less than 2............ 36 11 9 15 22 23 67 61 Jewelry and watches...................... 20 2 4 10 7 13 35 37 Small appliances and misc. housewares.... 22 4 8 20 10 15 20 42 Household textiles....................... 14 1 6 6 9 14 14 25 All other gifts.......................... 716 402 216 392 328 738 752 1286 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary.