Table 4. Consumer units of three persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1989-90 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)... 13830 547 1323 1140 1205 2445 2116 5054 Income before taxes 1/.................... 37451 668 7629 12449 17152 24702 34519 67118 Income after taxes 1/..................... 34056 779 7732 12240 16579 23338 31772 59780 Average number of persons in cons. unit... 3 3 3 3 3 3 3 3 Age of reference person................... 43 44.5 39.8 43.1 43.8 43.5 41.1 44.1 Average number of: Earners.................................. 1.8 1.3 1 1.3 1.6 1.8 2 2.2 Vehicles................................. 2.4 1.6 1 1.7 1.9 2.4 2.7 3.1 Children under 18........................ 0.8 1 1.3 0.9 0.8 0.7 0.8 0.6 Persons 65 and over...................... 0.2 0.3 0.2 0.2 0.3 0.2 0.1 0.1 Percent distribution: Male..................................... 69 40 30 59 59 69 80 83 Female................................... 31 60 70 41 41 31 20 17 Percent homeowner........................ 68 55 34 44 55 64 74 87 Homeowner with mortgage................. 50 35 14 21 31 43 59 73 Homeowner without mortgage.............. 18 20 20 22 24 21 15 14 Renter................................... 32 45 66 56 45 36 26 13 Black.................................... 12 20 33 16 15 12 9 5 White and other.......................... 88 80 67 84 85 88 91 95 Elementary (1-8)......................... 7 10 14 13 16 7 4 3 High school (9-12)....................... 46 54 59 63 54 56 50 29 College.................................. 47 35 25 23 29 37 46 68 Never attended and other................. 1 1 1 2 1 0 0 0 At least one vehicle owned............... 91 73 65 84 89 94 99 98 Average annual expenditures............... 33903 20764 14093 18769 22057 25997 32778 50657 Food..................................... 5024 4103 3174 3390 3813 4209 4768 6608 Food at home............................ 2896 2777 2480 2451 2436 2715 2942 3257 Cereals and bakery products............ 426 370 355 359 354 390 434 488 Cereals and cereal products........... 145 153 148 143 119 141 142 152 Bakery products....................... 281 217 207 216 234 249 292 336 Meats, poultry, fish, and eggs......... 768 805 757 741 687 721 741 822 Beef.................................. 256 250 263 265 228 263 261 253 Pork.................................. 153 154 177 158 136 132 135 168 Other meats........................... 109 131 81 93 100 112 114 116 Poultry............................... 121 113 130 117 110 98 131 131 Fish and seafood...................... 92 119 58 69 79 85 64 119 Eggs.................................. 36 39 48 39 35 32 36 34 Dairy products......................... 348 338 321 299 312 331 359 376 Fresh milk and cream.................. 165 192 176 170 172 167 167 156 Other dairy products.................. 183 146 145 129 140 164 192 220 Fruits and vegetables.................. 468 485 375 373 379 434 466 542 Fresh fruits.......................... 136 115 106 96 103 127 138 162 Fresh vegetables...................... 140 144 109 120 115 132 136 163 Processed fruits...................... 111 117 80 81 86 104 114 131 Processed vegetables.................. 80 108 80 76 76 71 78 85 Other food at home..................... 887 779 674 679 704 840 942 1029 Sugar and other sweets................ 99 89 86 71 70 97 105 113 Fats and oils......................... 76 81 65 67 54 76 86 79 Miscellaneous foods................... 412 373 307 294 327 367 458 483 Nonalcoholic beverages................ 261 219 207 229 246 262 252 288 Food prep. by cu, out-of-town trips... 40 17 8 18 7 37 40 66 Food away from home..................... 2127 1326 694 939 1377 1494 1826 3352 Alcoholic beverages...................... 325 206 85 133 199 244 276 511 Housing.................................. 10044 7413 4877 5907 6867 7804 9207 14742 Shelter................................. 5463 4459 2562 3004 3580 3998 4808 8319 Owned dwellings........................ 3547 2701 790 956 1502 2038 2992 6394 Mortgage interest..................... 2361 2074 364 450 960 1192 1913 4434 Property taxes........................ 646 384 226 193 266 380 502 1167 Maintenance, rep., ins., oth. exp..... 539 243 200 313 276 466 577 794 Rented dwellings....................... 1412 1228 1672 1920 1851 1744 1425 977 Other lodging.......................... 505 530 100 128 228 216 392 948 Utilities, fuels, and public services... 2130 1631 1565 1622 1847 2029 2108 2571 Natural gas............................ 273 181 228 200 220 240 268 340 Electricity............................ 878 692 649 680 774 846 861 1050 Fuel oil and other fuels............... 106 96 81 64 66 116 98 130 Telephone.............................. 649 509 455 520 615 624 651 762 Water and other public services........ 225 152 153 159 172 203 230 288 Household operations.................... 634 171 143 298 433 436 542 1071 Personal services...................... 418 65 63 206 356 342 403 655 Other household expenses............... 216 105 80 92 77 94 140 417 Housekeeping supplies................... 493 505 247 314 319 449 488 643 Laundry and cleaning supplies.......... 144 188 112 111 121 131 137 169 Other household products............... 203 123 98 85 135 167 194 292 Postage and stationery................. 146 194 37 118 63 151 156 182 Household furnishings and equipment..... 1323 647 359 669 687 891 1261 2138 Household textiles..................... 136 25 10 25 40 99 151 230 Furniture.............................. 362 144 133 324 190 246 381 542 Floor coverings........................ 121 32 5 13 40 95 69 229 Major appliances....................... 163 125 74 80 113 146 205 211 Small appliances, misc. housewares..... 76 29 21 52 43 45 60 129 Miscellaneous household equipment...... 465 293 117 174 262 260 396 796 Apparel and services..................... 1918 1058 757 1147 1256 1297 1888 2873 Men and boys............................ 475 190 167 358 277 313 372 752 Men, 16 and over....................... 382 115 81 201 191 233 310 651 Boys, 2 to 15.......................... 93 76 86 157 86 80 62 101 Women and girls......................... 746 408 248 333 503 497 869 1090 Women, 16 and over..................... 641 328 176 283 435 420 750 948 Girls, 2 to 15......................... 105 80 72 50 68 77 119 143 Children under 2........................ 149 116 83 121 115 127 154 190 Footwear................................ 227 106 119 199 196 153 236 301 Other apparel products and services..... 322 239 140 137 164 207 258 540 Transportation........................... 6572 4330 2614 3945 4766 5039 7377 9274 Vehicle purchases (net outlay).......... 3010 2031 1215 2020 2390 1991 3590 4206 Cars and trucks, new................... 1636 611 251 644 824 893 1740 2844 Cars and trucks, used.................. 1311 1418 830 1361 1566 1092 1783 1261 Other vehicles......................... 62 1 134 15 0 6 68 101 Gasoline and motor oil.................. 1225 980 549 801 931 1190 1353 1557 Other vehicle expenses.................. 2059 1096 727 1037 1310 1703 2217 3021 Vehicle finance charges................ 395 201 127 175 236 342 492 559 Maintenance and repairs................ 708 369 301 371 515 570 791 1001 Vehicle insurance...................... 727 435 256 407 456 631 723 1067 Veh. rental, licenses, oth. charges.... 229 91 43 84 102 160 212 394 Public transportation................... 279 223 122 87 135 154 216 490 Health care.............................. 1554 892 719 1100 1238 1578 1466 2043 Health insurance........................ 569 339 208 423 605 658 553 676 Medical services........................ 617 225 271 380 314 563 554 929 Drugs................................... 267 243 194 247 254 274 264 292 Medical supplies........................ 101 85 46 51 66 84 94 146 Entertainment............................ 1681 669 495 670 805 1204 1691 2753 Fees and admissions..................... 388 169 81 96 131 227 319 726 Television, radios, sound equipment..... 514 267 249 298 345 403 599 717 Pets, toys, and playground equipment.... 326 137 128 200 212 331 343 436 Other supplies, equip., and services.... 454 95 37 76 117 243 431 874 Personal care products and services...... 475 261 179 399 264 384 458 667 Reading.................................. 171 80 51 82 111 135 163 269 Education................................ 431 438 82 160 150 288 213 808 Tobacco products and smoking supplies.... 343 234 310 385 333 370 386 324 Miscellaneous............................ 775 388 226 385 452 720 821 1125 Cash contributions....................... 860 165 126 225 497 491 642 1628 Personal insurance and pensions.......... 3730 528 399 843 1306 2234 3420 7033 Life and other personal insurance....... 450 241 165 176 225 329 400 742 Pensions and Social Security............ 3280 287 234 666 1081 1905 3020 6291 Money income before taxes 1/.............. 37451 668 7629 12449 17152 24702 34519 67118 Wages and salaries....................... 30712 1316 2512 7434 11204 19123 29589 57258 Self-employment income................... 2532 -2367 233 528 1098 1508 1392 5432 Soc. Sec., priv. and gov. retirement..... 2338 855 1568 2882 3689 3017 2197 1986 Int., divid., rent. inc., property inc... 828 75 46 163 38 264 541 1844 Unemp. and workers' compen., vet. ben.... 208 62 173 161 261 223 279 195 Pub. ass., supp. sec. inc., foodstamps... 442 525 2736 940 368 76 48 82 Regular contributions for support........ 310 169 297 282 408 448 428 195 Other income............................. 80 34 64 59 87 43 45 126 Personal taxes 1/......................... 3396 -111 -103 209 573 1364 2747 7338 Federal income taxes..................... 2670 -136 -110 73 411 985 2123 5870 State and local income taxes............. 656 -3 2 59 142 334 571 1347 Other taxes.............................. 70 28 5 76 20 45 54 120 Income after taxes 1/..................... 34056 779 7732 12240 16579 23338 31772 59780 Net change in total assets and liabilities -766 3980 -76 -4399 -2552 1176 1630 -2157 Net change in total assets............... 3835 3769 -180 -1347 -64 1860 8246 6101 Net change in total liabilities.......... 4600 -211 -104 3052 2487 683 6616 8257 Other money receipts...................... 445 195 26 81 74 397 187 885 Mortgage principal paid, owned property... -745 -563 -157 -197 -319 -525 -752 -1249 Estimated market value of owned home...... 71820 67112 23602 33877 35799 45606 58808 120237 Est. monthly rental value of owned home... 444 282 147 208 263 316 394 720 Gifts of goods and services, total........ 1072 840 181 388 464 584 786 1950 Clothing, males 2 and over............... 75 32 14 29 51 59 38 129 Clothing, females 2 and over............. 88 52 18 19 38 63 142 122 Clothing, infants less than 2............ 55 31 18 48 24 49 58 75 Jewelry and watches...................... 19 12 3 7 11 11 15 33 Small appliances and misc. housewares.... 19 5 4 7 6 11 10 38 Household textiles....................... 11 2 0 0 0 3 17 20 All other gifts.......................... 805 707 123 277 333 386 508 1533 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary.