Table 3. Consumer units of two 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)... 25488 980 2396 3039 2700 4871 3437 8064 Income before taxes 1/.................... 34880 1004 7674 12407 17365 24795 34412 67704 Income after taxes 1/..................... 31382 696 7728 11876 16634 22936 31205 59605 Age of reference person................... 52.2 49.3 56.1 59.2 58.4 54.2 48.3 47.3 Average number in consumer unit:.......... Persons.................................. 2 2 2 2 2 2 2 2 Children under 18........................ 0.1 0.3 0.2 0.1 0.1 0.1 0.1 0 Persons 65 and over...................... 0.5 0.4 0.7 1 0.9 0.7 0.4 0.2 Earners.................................. 1.2 0.9 0.7 0.7 0.8 1.2 1.5 1.7 Vehicles................................. 2.1 1.4 1.3 1.7 1.7 2.2 2.4 2.7 Percent distribution: Male..................................... 72 48 55 65 71 74 78 80 Female................................... 28 52 45 35 29 26 22 20 Percent homeowner........................ 71 51 54 70 71 69 70 82 With mortgage........................... 37 18 13 19 20 31 41 60 Without mortgage........................ 34 33 41 50 51 37 29 22 Renter................................... 29 49 46 30 29 31 30 18 Black.................................... 9 18 19 10 10 8 7 4 White and other.......................... 91 82 81 90 90 92 93 96 Elementary (1-8)......................... 11 14 29 23 16 11 4 2 High school (9-12)....................... 45 53 49 53 56 52 47 31 College.................................. 44 31 21 23 28 37 49 67 Never attended and other................. 0 3 1 1 0 0 0 0 At least one vehicle owned............... 92 74 72 89 90 96 97 99 Average annual expenditures............... 30771 17511 14860 18767 20468 25083 30468 48781 Food..................................... 4355 3335 2800 3294 3499 3821 4498 5938 Food at home............................ 2544 2089 2012 2344 2357 2424 2632 2947 Cereals and bakery products............ 364 265 291 358 369 353 376 402 Cereals and cereal products........... 123 106 100 126 127 116 126 133 Bakery products....................... 241 158 191 232 243 237 250 269 Meats, poultry, fish, and eggs......... 682 664 627 663 617 669 682 743 Beef.................................. 227 186 242 207 180 229 229 251 Pork.................................. 137 193 115 149 130 148 137 126 Other meats........................... 96 106 83 93 99 90 101 100 Poultry............................... 112 83 88 108 99 109 104 136 Fish and seafood...................... 82 65 71 72 79 63 82 104 Eggs.................................. 29 31 28 33 29 29 28 26 Dairy products......................... 281 212 218 271 272 273 302 311 Fresh milk and cream.................. 119 88 118 137 123 117 125 114 Other dairy products.................. 162 124 100 134 149 156 177 197 Fruits and vegetables.................. 445 338 326 418 417 421 458 524 Fresh fruits.......................... 141 105 107 123 129 126 148 172 Fresh vegetables...................... 134 114 92 128 122 122 131 166 Processed fruits...................... 97 71 70 102 99 95 97 106 Processed vegetables.................. 73 48 58 65 67 78 81 80 Other food at home..................... 772 610 550 634 681 707 813 967 Sugar and other sweets................ 98 95 82 86 89 88 115 111 Fats and oils......................... 72 58 63 67 72 68 75 78 Miscellaneous foods................... 338 238 229 274 286 308 346 442 Nonalcoholic beverages................ 217 173 162 180 207 209 226 258 Food prep. by cu, out-of-town trips... 47 46 13 26 27 34 52 77 Food away from home..................... 1811 1247 787 950 1142 1397 1866 2991 Alcoholic beverages...................... 361 247 107 129 271 241 421 619 Housing.................................. 9026 5647 5221 5787 6190 7482 8576 13895 Shelter................................. 4895 2977 2564 2724 3089 3916 4591 7963 Owned dwellings........................ 3105 1413 1214 1494 1630 2074 2564 5826 Mortgage interest and charges......... 1657 561 301 419 475 855 1375 3662 Property taxes........................ 775 471 402 616 610 579 718 1182 Maintenance, rep., ins., oth. exp..... 672 381 510 460 545 640 471 983 Rented dwellings....................... 1347 1378 1238 1096 1252 1551 1653 1249 Other lodging.......................... 443 186 112 134 207 291 375 888 Utilities, fuels, and public services... 1957 1559 1498 1742 1814 1877 1953 2321 Natural gas............................ 238 178 203 223 227 201 242 285 Electricity............................ 793 651 612 727 738 761 790 928 Fuel oil and other fuels............... 125 123 112 121 145 149 116 112 Telephone.............................. 595 472 431 490 524 572 608 731 Water and other public services........ 206 134 142 182 180 193 197 265 Household operations.................... 351 161 222 353 290 279 252 517 Personal services...................... 91 25 125 228 119 81 51 50 Other household expenses............... 260 136 97 125 171 198 201 467 Housekeeping supplies................... 487 373 297 377 334 425 478 703 Laundry and cleaning supplies.......... 120 158 88 108 102 116 121 139 Other household products............... 215 95 133 167 126 176 204 337 Postage and stationery................. 152 120 75 102 106 133 153 227 Household furnishings and equipment..... 1336 577 640 590 663 984 1301 2392 Household textiles..................... 128 19 67 67 55 114 135 218 Furniture.............................. 326 109 117 113 185 208 339 608 Floor coverings........................ 110 30 204 42 25 74 117 167 Major appliances....................... 151 78 76 105 124 162 144 204 Small appliances, misc. housewares..... 101 42 25 49 43 68 122 181 Miscellaneous household equipment...... 520 300 151 213 231 358 445 1014 Apparel and services..................... 1637 1183 792 946 913 1188 1694 2724 Men and boys............................ 377 135 250 279 166 263 347 646 Men, 16 and over....................... 342 123 148 219 142 246 318 618 Boys, 2 to 15.......................... 35 12 102 60 25 17 29 28 Women and girls......................... 701 668 313 347 380 533 829 1122 Women, 16 and over..................... 670 652 286 324 358 499 787 1088 Girls, 2 to 15......................... 31 16 27 23 22 34 42 35 Children under 2........................ 39 65 21 18 21 31 43 60 Footwear................................ 242 168 100 182 190 168 174 412 Other apparel products and services..... 278 146 110 120 156 193 300 485 Transportation........................... 5594 2616 2176 3588 3641 4949 5876 8654 Vehicle purchases (net outlay).......... 2384 772 738 1637 1481 2026 2497 3822 Cars and trucks, new................... 1390 277 255 729 961 1071 1176 2540 Cars and trucks, used.................. 969 495 483 899 498 946 1243 1252 Other vehicles......................... 25 0 0 9 22 9 78 30 Gasoline and motor oil.................. 1038 757 606 780 788 1047 1104 1347 Other vehicle expenses.................. 1811 923 649 1053 1167 1659 1903 2823 Vehicle finance charges................ 282 85 74 94 153 251 342 476 Maintenance and repairs................ 651 389 230 451 390 611 673 988 Vehicle insurance...................... 642 362 275 407 456 604 671 946 Veh. rent., leas., licen., oth. chges.. 237 87 70 101 168 192 218 413 Public transportation................... 360 164 182 117 205 218 371 662 Health care.............................. 1881 1151 1326 2045 2176 2044 1783 1915 Health insurance........................ 775 518 587 916 941 847 738 725 Medical services........................ 637 332 313 537 621 731 604 772 Drugs................................... 356 249 358 460 452 371 346 293 Medical supplies........................ 113 53 68 132 162 95 96 125 Entertainment............................ 1578 1301 541 628 807 1108 1384 2907 Fees and admissions..................... 400 113 106 125 239 284 443 731 Television, radios, sound equipment..... 450 290 233 285 277 399 459 682 Pets, toys, and playground equipment.... 266 146 142 135 169 216 249 438 Other supplies, equip., and services.... 463 753 60 83 121 210 233 1057 Personal care products and services...... 413 261 247 305 297 361 431 592 Reading.................................. 182 89 72 109 130 167 186 279 Education................................ 278 139 153 117 99 162 289 519 Tobacco products and smoking supplies.... 280 280 264 251 283 294 319 269 Miscellaneous............................ 894 358 424 453 612 708 998 1432 Cash contributions....................... 1116 234 352 344 683 793 971 2142 Personal insurance and pensions.......... 3175 668 386 771 867 1766 3042 6896 Life and other personal insurance....... 400 138 180 212 199 306 339 718 Pensions and Social Security............ 2775 530 206 559 669 1461 2703 6177 Money income before taxes 1/.............. 34880 1004 7674 12407 17365 24795 34412 67704 Wages and salaries....................... 24066 1205 1907 4235 7109 14133 24287 52486 Self-employment income................... 2313 -2239 244 380 315 925 1996 5853 Soc. Sec., priv. and gov. retirement..... 6063 966 3914 6747 8565 7921 5820 5206 Int., divid., rent. inc., property inc... 1695 97 87 342 733 1213 1575 3540 Unemp. and workers' compen., vet. ben.... 249 35 142 149 246 274 354 286 Pub. ass., supp. sec. inc., foodstamps... 226 698 1194 286 156 42 101 45 Regular contributions for support........ 166 85 101 203 160 185 175 167 Other income............................. 102 157 85 64 83 103 104 120 Personal taxes 1/......................... 3498 308 -54 531 732 1859 3207 8099 Federal income taxes..................... 2719 153 -96 369 535 1330 2539 6399 State and local income taxes............. 648 50 2 77 121 360 583 1507 Other taxes.............................. 131 105 40 85 76 170 86 193 Income after taxes 1/..................... 31382 696 7728 11876 16634 22936 31205 59605 Net change in total assets and liabilities 1138 -2944 558 -223 -5 -10 1430 3271 Net change in total assets............... 4368 -1870 299 115 44 1120 4785 11171 Net change in total liabilities.......... 3230 1074 -259 338 48 1130 3355 7900 Other money receipts...................... 392 30 64 178 188 452 336 670 Mortgage principal paid, owned property... -547 -272 -197 -240 -197 -363 -492 -1052 Estimated market value of owned home...... 75046 40071 35357 54053 52350 60596 66838 118825 Est. monthly rental value of owned home... 453 260 233 336 351 380 411 682 Gifts of goods and services............... 1148 711 556 536 525 670 1072 2150 Food.................................... 108 87 25 22 53 62 108 214 Housing................................. 294 286 109 111 130 197 292 537 Housekeeping supplies................. 49 25 26 29 31 34 63 78 Household textiles.................... 19 6 7 2 8 13 15 39 Appliances and misc. housewares....... 39 18 11 11 15 28 30 78 Major appliances.................... 8 8 4 2 5 8 6 12 Small appl. and misc. housewares.... 31 10 8 10 10 20 24 66 Miscellaneous household equipment..... 77 103 10 22 25 55 93 140 Other housing......................... 110 134 54 47 51 66 90 203 Apparel and services.................... 312 161 196 172 164 190 303 552 Males 2 and over...................... 88 49 56 78 51 56 65 150 Females 2 and over.................... 131 53 105 42 73 78 126 238 Children under 2...................... 37 39 14 16 19 28 42 59 Other apparel products and services... 56 20 21 35 20 28 70 104 Jewelry and watches................. 25 6 4 8 6 12 41 48 All other apparel products and serv. 31 14 16 27 14 15 29 56 Transportation.......................... 76 18 4 20 8 16 32 202 Health care............................. 34 58 12 87 6 10 22 45 Entertainment........................... 88 46 35 34 45 71 86 154 Toys, games, hobbies, and tricycles... 37 25 19 16 18 33 37 62 Other entertainment................... 50 21 16 19 27 38 48 92 Education............................... 105 2 26 12 28 36 64 261 All other gifts......................... 132 54 150 77 91 87 166 185 __________________________________________ 1/ Components of income and taxes are derived from "Complete income reporters" only; see glossary