Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1990-91 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)... 11951 271 646 763 782 1887 1924 5677 Income before taxes 1/.................... 44881 1011 7776 12648 17403 25062 34669 69372 Income after taxes 1/..................... 40418 656 7546 12384 16850 23168 31960 61679 Age of reference person................... 39.8 38.8 36.8 37.3 40.5 37.1 38.4 41.9 Average number in consumer unit:.......... Persons.................................. 4 4 4 4 4 4 4 4 Children under 18........................ 1.7 1.9 2.1 1.9 1.8 1.8 1.7 1.5 Persons 65 and over...................... 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0 Earners.................................. 2 1.5 1.1 1.5 1.8 1.9 2.1 2.3 Vehicles................................. 2.7 1.6 1.4 1.7 2.1 2.5 2.8 3.1 Percent distribution: Male..................................... 78 44 37 50 68 78 85 86 Female................................... 22 56 63 50 32 22 15 14 Percent homeowner........................ 74 52 44 38 60 64 78 87 With mortgage........................... 62 29 30 27 44 51 64 78 Without mortgage........................ 12 23 14 11 16 13 14 10 Renter................................... 26 48 56 62 40 36 22 13 Black.................................... 11 24 31 20 14 13 10 6 White and other.......................... 89 76 69 80 86 87 90 94 Elementary (1-8)......................... 6 13 15 16 18 6 3 2 High school (9-12)....................... 44 58 67 62 54 57 45 31 College.................................. 51 29 17 22 28 37 52 67 Never attended and other................. 0 0 0 0 0 0 0 0 At least one vehicle owned............... 94 84 64 85 93 95 97 99 Average annual expenditures............... 39253 17596 17811 20128 24353 27577 35007 52658 Food..................................... 5944 3119 4074 4100 4513 4865 5455 7269 Food at home............................ 3694 2080 3160 2907 3154 3219 3502 4241 Cereals and bakery products............ 557 251 444 426 436 449 530 663 Cereals and cereal products........... 208 112 175 186 194 190 178 238 Bakery products....................... 349 139 269 240 242 259 351 425 Meats, poultry, fish, and eggs......... 988 598 943 751 943 901 899 1113 Beef.................................. 344 220 331 220 317 306 328 391 Pork.................................. 191 124 232 176 215 185 176 196 Other meats........................... 146 53 123 119 143 132 132 167 Poultry............................... 150 98 112 95 142 141 128 177 Fish and seafood...................... 116 69 97 89 89 92 93 144 Eggs.................................. 41 35 49 51 36 45 41 39 Dairy products......................... 445 249 377 378 356 392 439 503 Fresh milk and cream.................. 198 114 175 211 160 194 212 206 Other dairy products.................. 247 135 202 167 195 198 228 298 Fruits and vegetables.................. 552 382 466 421 407 455 523 648 Fresh fruits.......................... 165 151 114 141 115 123 161 195 Fresh vegetables...................... 156 94 178 127 112 131 151 177 Processed fruits...................... 130 56 85 97 104 107 116 159 Processed vegetables.................. 101 81 89 56 77 93 95 117 Other food at home..................... 1152 599 930 931 1013 1021 1112 1313 Sugar and other sweets................ 143 80 98 103 122 120 147 166 Fats and oils......................... 94 56 87 76 89 100 87 100 Miscellaneous foods................... 546 287 451 447 484 486 526 619 Nonalcoholic beverages................ 320 160 281 282 297 289 309 356 Food prep. by cu, out-of-town trips... 49 17 13 23 21 25 44 73 Food away from home..................... 2251 1039 914 1193 1359 1647 1953 3028 Alcoholic beverages...................... 318 205 109 129 228 244 268 427 Housing.................................. 11822 7120 5941 6601 7473 8558 10279 15615 Shelter................................. 6434 3914 3044 3718 4099 4378 5375 8669 Owned dwellings........................ 4765 2423 1516 1459 2267 2582 3764 7101 Mortgage interest and charges......... 3292 1527 897 723 1495 1783 2555 4993 Property taxes........................ 867 355 431 300 398 470 711 1268 Maintenance, rep., ins., oth. exp..... 606 540 189 436 374 329 497 840 Rented dwellings....................... 1288 1353 1477 2173 1717 1664 1412 918 Other lodging.......................... 381 138 50 86 115 132 200 650 Utilities, fuels, and public services... 2413 1715 1807 1740 1985 2227 2251 2783 Natural gas............................ 302 177 293 256 194 213 282 366 Electricity............................ 1020 811 738 739 898 977 988 1141 Fuel oil and other fuels............... 114 26 48 32 95 155 102 131 Telephone.............................. 689 562 544 530 570 623 613 797 Water and other public services........ 289 139 185 184 229 259 266 348 Household operations.................... 814 166 310 229 300 488 535 1256 Personal services...................... 577 75 263 157 232 400 414 855 Other household expenses............... 237 91 48 72 68 88 120 401 Housekeeping supplies................... 584 273 317 314 359 461 477 777 Laundry and cleaning supplies.......... 178 104 152 142 152 161 159 205 Other household products............... 270 112 109 127 137 201 212 376 Postage and stationery................. 137 57 55 44 70 99 105 195 Household furnishings and equipment..... 1576 1052 463 600 731 1005 1643 2131 Household textiles..................... 130 589 105 39 44 72 80 165 Furniture.............................. 421 49 122 272 257 178 437 590 Floor coverings........................ 151 0 23 6 71 18 456 131 Major appliances....................... 193 7 67 83 152 135 192 257 Small appliances, misc. housewares..... 97 150 51 35 67 62 68 133 Miscellaneous household equipment...... 584 257 95 165 140 541 410 855 Apparel and services..................... 2368 1042 1146 1261 1349 1573 1856 3294 Men and boys............................ 616 231 289 275 259 360 462 903 Men, 16 and over....................... 439 193 94 186 167 203 257 700 Boys, 2 to 15.......................... 177 38 195 89 93 156 205 203 Women and girls......................... 930 378 372 500 586 595 693 1316 Women, 16 and over..................... 699 235 279 406 441 418 443 1027 Girls, 2 to 15......................... 230 144 92 94 145 177 250 289 Children under 2........................ 134 136 139 153 64 139 117 144 Footwear................................ 336 125 195 120 282 215 358 427 Other apparel products and services..... 353 172 152 213 157 265 225 503 Transportation........................... 7106 2606 3234 3499 5124 4903 7084 9255 Vehicle purchases (net outlay).......... 3008 701 1526 1435 2509 1880 3303 3842 Cars and trucks, new................... 1324 0 846 527 709 489 1393 1888 Cars and trucks, used.................. 1664 701 680 898 1791 1364 1905 1925 Other vehicles......................... 20 0 0 10 9 27 5 29 Gasoline and motor oil.................. 1425 900 714 847 1174 1288 1397 1698 Other vehicle expenses.................. 2392 904 915 1040 1335 1617 2178 3284 Vehicle finance charges................ 452 126 147 195 294 351 399 609 Maintenance and repairs................ 877 373 394 361 490 565 877 1179 Vehicle insurance...................... 765 321 278 346 451 549 703 1034 Veh. rent., leas., licen., oth. chges.. 298 84 97 137 100 151 199 462 Public transportation................... 281 101 78 177 106 119 206 431 Health care.............................. 1652 1062 695 969 1153 1363 1588 2068 Health insurance........................ 654 259 331 338 504 638 744 747 Medical services........................ 684 594 189 403 385 476 575 929 Drugs................................... 223 148 114 184 199 184 197 269 Medical supplies........................ 91 61 61 44 65 64 71 122 Entertainment............................ 1999 835 820 810 984 1226 1781 2817 Fees and admissions..................... 525 241 148 124 178 266 399 813 Television, radios, sound equipment..... 636 336 279 389 432 476 508 849 Pets, toys, and playground equipment.... 403 192 289 210 241 294 400 511 Other supplies, equip., and services.... 434 66 104 87 133 190 474 645 Personal care products and services...... 508 170 280 291 373 361 436 672 Reading.................................. 193 89 71 59 94 117 179 274 Education................................ 568 153 153 251 212 240 398 894 Tobacco products and smoking supplies.... 333 220 363 381 447 354 317 310 Miscellaneous............................ 1092 531 361 402 617 788 1132 1444 Cash contributions....................... 874 105 81 331 277 591 610 1340 Personal insurance and pensions.......... 4476 339 484 1043 1511 2394 3624 6980 Life and other personal insurance....... 486 151 166 191 227 269 501 681 Pensions and Social Security............ 3990 188 317 852 1284 2125 3122 6299 Money income before taxes 1/.............. 44881 1011 7776 12648 17403 25062 34669 69372 Wages and salaries....................... 38207 1631 3096 8291 13850 21109 31447 59305 Self-employment income................... 3953 -1947 -126 1215 896 1743 1545 7039 Soc. Sec., priv. and gov. retirement..... 993 358 1171 944 1195 1152 770 1004 Int., divid., rent. inc., property inc... 693 74 59 54 172 189 269 1265 Unemp. and workers' compen., vet. ben.... 244 23 125 137 432 269 213 259 Pub. ass., supp. sec. inc., foodstamps... 390 651 3183 1593 516 252 73 33 Regular contributions for support........ 318 207 164 359 278 297 235 376 Other income............................. 84 14 105 56 64 52 117 92 Personal taxes 1/......................... 4463 354 230 265 553 1894 2709 7693 Federal income taxes..................... 3425 225 126 94 326 1382 1983 5997 State and local income taxes............. 907 90 37 109 190 404 622 1515 Other taxes.............................. 131 39 67 61 37 108 105 181 Income after taxes 1/..................... 40418 656 7546 12384 16850 23168 31960 61679 Net change in total assets and liabilities -1270 59 -375 -1745 -2387 -1294 -3649 -404 Net change in total assets............... 3996 -147 1270 -267 1043 1506 2332 6876 Net change in total liabilities.......... 5266 -206 1645 1478 3431 2799 5980 7280 Other money receipts...................... 470 50 17 1639 73 69 96 699 Mortgage principal paid, owned property... -925 -565 -242 -301 -423 -542 -753 -1359 Estimated market value of owned home...... 83928 38528 30576 27341 33030 44471 62251 127258 Est. monthly rental value of owned home... 514 258 224 209 266 324 445 721 Gifts of goods and services............... 951 410 290 333 260 552 513 1512 Food.................................... 92 102 41 11 21 42 59 145 Housing................................. 283 30 68 88 72 183 135 460 Housekeeping supplies................. 42 3 4 19 3 35 32 64 Household textiles.................... 14 0 0 0 0 6 6 25 Appliances and misc. housewares....... 29 1 5 12 5 27 20 42 Major appliances.................... 5 0 4 3 2 4 4 8 Small appl. and misc. housewares.... 23 1 1 9 3 24 16 34 Miscellaneous household equipment..... 71 10 7 4 3 38 44 121 Other housing......................... 127 15 52 54 61 75 33 209 Apparel and services.................... 233 190 70 130 72 165 173 331 Males 2 and over...................... 54 124 2 30 17 49 36 72 Females 2 and over.................... 91 48 10 36 37 52 79 133 Children under 2...................... 43 4 37 38 14 43 42 52 Other apparel products and services... 44 14 20 25 3 21 16 74 Jewelry and watches................. 29 1 1 6 2 12 7 53 All other apparel products and serv. 15 13 20 19 1 9 9 21 Transportation.......................... 64 2 1 16 16 15 7 124 Health care............................. 23 4 12 11 11 5 10 40 Entertainment........................... 57 61 11 20 35 30 41 85 Toys, games, hobbies, and tricycles... 23 1 4 10 15 18 22 32 Other entertainment................... 34 60 6 10 19 12 19 53 Education............................... 78 1 33 2 4 14 15 150 All other gifts......................... 120 20 53 56 30 98 73 177 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary