Table 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1991-92 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over ____________________________________________________________________________________________________ Number of consumer units (in thousands)... 18743 765 1127 1356 1308 2903 2931 2491 3219 2644 Income before taxes 1/.................... 42901 2102 7781 12396 17500 24616 34422 44596 58573 106692 Income after taxes 1/..................... 38554 2106 7679 12157 16769 22798 31173 40448 52622 93153 Age of reference person................... 39.4 39.1 39.2 39.3 39 39.2 39.4 39.2 39.7 40 Average number in consumer unit:.......... Persons.................................. 3.2 2.4 2.8 3.1 3.1 3 3.1 3.6 3.5 3.5 Children under 18........................ 1.3 1 1.2 1.3 1.4 1.3 1.3 1.5 1.4 1.3 Persons 65 and over...................... 0 0 0 0 0 0 0 0 0 0 Earners.................................. 1.7 1 0.9 1.3 1.5 1.6 1.8 2 2 2.1 Vehicles................................. 2.2 1.1 1.1 1.3 1.7 1.9 2.4 2.7 2.8 2.8 Percent distribution: Male..................................... 69 49 40 43 60 64 72 81 80 82 Female................................... 31 51 60 57 40 36 28 19 20 18 Percent homeowner........................ 64 29 31 37 42 52 66 78 83 90 With mortgage........................... 56 17 21 25 31 42 56 71 79 85 Without mortgage........................ 8 11 10 11 11 10 11 7 4 5 Renter................................... 36 71 69 63 58 48 34 22 17 10 Black.................................... 12 22 25 26 19 14 11 7 6 4 White and other.......................... 88 78 75 74 81 86 89 93 94 96 Elementary (1-8)......................... 4 15 12 12 8 4 2 2 2 1 High school (9-12)....................... 37 45 53 52 55 44 40 35 29 14 College.................................. 58 40 33 35 37 52 58 63 69 85 Never attended and other................. 0 0 1 0 0 0 0 0 0 0 At least one vehicle owned............... 91 65 61 78 89 92 95 99 97 96 Average annual expenditures............... 37812 16069 14613 19121 22456 27079 33819 41353 48645 70457 Food..................................... 5428 2971 3129 3649 4064 4353 5125 5981 6603 8031 Food at home............................ 3320 2209 2467 2427 2764 2884 3207 3561 3771 4459 Cereals and bakery products............ 513 360 332 385 419 413 492 549 610 702 Cereals and cereal products........... 187 104 146 126 170 162 179 203 216 245 Bakery products....................... 326 257 186 259 249 251 313 346 394 457 Meats, poultry, fish, and eggs......... 858 701 752 683 777 818 826 860 893 1117 Beef.................................. 284 186 239 213 235 275 293 287 309 352 Pork.................................. 173 202 207 144 178 170 175 157 163 196 Other meats........................... 123 119 98 91 128 102 119 139 130 151 Poultry............................... 147 97 121 129 121 158 120 151 169 179 Fish and seafood...................... 97 72 63 64 84 81 83 92 89 202 Eggs.................................. 34 25 25 43 30 32 37 34 33 36 Dairy products......................... 385 267 283 297 305 339 369 427 434 506 Fresh milk and cream.................. 170 126 130 147 143 165 168 196 180 189 Other dairy products.................. 215 141 153 150 162 174 201 231 253 317 Fruits and vegetables.................. 512 303 362 354 386 463 493 566 564 733 Fresh fruits.......................... 155 78 94 100 107 138 148 195 165 234 Fresh vegetables...................... 148 88 115 113 114 142 142 150 157 212 Processed fruits...................... 121 70 83 73 95 101 115 124 142 187 Processed vegetables.................. 88 66 71 68 69 83 87 97 100 99 Other food at home..................... 1052 577 737 708 878 850 1027 1158 1271 1401 Sugar and other sweets................ 128 68 84 106 98 91 125 150 159 165 Fats and oils......................... 86 43 60 60 83 83 76 96 100 108 Miscellaneous foods................... 499 268 333 311 384 403 496 553 619 666 Nonalcoholic beverages................ 287 185 249 217 282 235 278 305 329 357 Food prep. by cu, out-of-town trips... 51 12 11 15 31 38 52 54 63 105 Food away from home..................... 2108 761 662 1223 1301 1470 1919 2421 2832 3572 Alcoholic beverages...................... 309 93 85 205 199 264 310 246 337 657 Housing.................................. 11889 6584 5898 6950 7609 8736 10577 12288 14884 21464 Shelter................................. 6984 4146 3700 4108 4454 5016 6029 7088 8763 12887 Owned dwellings........................ 4782 1756 1220 1622 1784 2501 3727 5208 6945 10922 Mortgage interest and charges......... 3275 1169 742 1009 1184 1577 2547 3660 4921 7465 Property taxes........................ 877 362 280 334 348 484 670 887 1325 1927 Maintenance, rep., ins., oth. exp..... 631 225 198 280 251 440 511 661 700 1530 Rented dwellings....................... 1839 2239 2431 2426 2492 2321 2052 1576 1303 984 Other lodging.......................... 362 151 48 60 178 194 250 304 514 981 Utilities, fuels, and public services... 2172 1492 1519 1724 1811 1920 2074 2337 2533 2843 Natural gas............................ 267 175 223 207 221 210 250 276 314 383 Electricity............................ 892 575 614 710 747 779 859 948 1045 1191 Fuel oil and other fuels............... 89 71 35 46 56 98 80 113 124 92 Telephone.............................. 661 532 491 594 609 628 629 694 732 784 Water and other public services........ 262 140 155 166 178 205 256 306 319 393 Household operations.................... 631 229 111 183 224 277 358 589 880 1828 Personal services...................... 377 121 70 63 126 153 223 387 573 1037 Other household expenses............... 254 109 41 119 98 124 135 202 307 791 Housekeeping supplies................... 546 320 220 300 322 390 499 635 691 924 Laundry and cleaning supplies.......... 150 159 82 107 104 111 144 184 178 202 Other household products............... 247 96 97 107 153 165 222 293 313 453 Postage and stationery................. 149 64 40 87 65 114 133 159 199 270 Household furnishings and equipment..... 1556 397 348 635 798 1133 1618 1639 2018 2981 Household textiles..................... 127 42 39 47 35 116 105 187 136 254 Furniture.............................. 413 126 72 171 282 221 415 480 501 870 Floor coverings........................ 89 25 32 19 36 23 264 46 108 75 Major appliances....................... 167 63 55 96 116 105 216 148 211 289 Small appliances, misc. housewares..... 92 28 22 25 41 56 75 102 129 200 Miscellaneous household equipment...... 667 112 129 278 288 611 543 675 933 1292 Apparel and services..................... 2309 960 967 1613 1340 1581 2087 2105 2775 4738 Men and boys............................ 584 194 227 412 333 413 505 593 713 1146 Men, 16 and over....................... 423 87 173 249 245 285 329 413 486 995 Boys, 2 to 15.......................... 161 106 54 164 87 129 176 179 227 151 Women and girls......................... 973 424 399 591 464 556 943 800 1287 2057 Women, 16 and over..................... 767 363 341 452 340 410 772 542 1003 1723 Girls, 2 to 15......................... 206 61 58 139 124 146 171 259 284 335 Children under 2........................ 96 71 81 71 69 80 88 84 102 176 Footwear................................ 302 141 123 321 203 253 323 298 271 548 Other apparel products and services..... 354 130 137 218 271 279 228 330 402 810 Transportation........................... 6316 2394 1891 2788 3986 4654 5710 7341 8513 11135 Vehicle purchases (net outlay).......... 2634 631 449 974 1422 1730 2237 3206 3706 5185 Cars and trucks, new................... 1336 177 186 489 946 623 712 1516 1930 3369 Cars and trucks, used.................. 1266 454 263 479 473 1093 1514 1609 1762 1714 Other vehicles......................... 32 0 0 6 2 14 11 81 14 101 Gasoline and motor oil.................. 1191 636 572 674 1012 1091 1188 1418 1487 1507 Other vehicle expenses.................. 2163 924 715 953 1380 1634 2016 2464 2882 3718 Vehicle finance charges................ 344 82 66 159 213 258 321 445 476 560 Maintenance and repairs................ 765 358 305 359 543 582 772 870 1034 1150 Vehicle insurance...................... 715 382 270 324 450 584 672 854 946 1116 Veh. rent., leas., licen., oth. chges.. 339 103 74 110 175 211 250 295 426 892 Public transportation................... 327 202 155 187 172 198 269 253 438 725 Health care.............................. 1544 557 538 731 894 1305 1566 1905 1925 2423 Health insurance........................ 599 227 211 321 325 590 702 701 690 839 Medical services........................ 648 227 199 239 331 477 580 865 857 1132 Drugs................................... 200 79 86 117 177 160 198 228 242 301 Medical supplies........................ 97 23 43 53 61 79 86 111 137 152 Entertainment............................ 1926 715 570 725 910 1176 1611 2595 2538 3751 Fees and admissions..................... 507 150 107 125 138 250 392 517 731 1283 Television, radios, sound equipment..... 605 344 229 349 383 470 530 672 811 1000 Pets, toys, and playground equipment.... 370 125 151 186 247 236 330 456 484 647 Other supplies, equip., and services.... 445 96 83 65 143 220 359 950 512 821 Personal care products and services...... 498 235 160 303 350 377 458 521 600 906 Reading.................................. 192 104 59 77 108 130 168 211 261 362 Education................................ 530 227 111 176 260 265 370 708 769 1113 Tobacco products and smoking supplies.... 337 324 346 324 372 371 362 341 357 234 Miscellaneous............................ 1060 483 350 406 506 768 876 1311 1457 1946 Cash contributions....................... 1042 118 70 186 308 658 812 1083 1410 2719 Personal insurance and pensions.......... 4431 304 440 987 1551 2441 3786 4717 6215 10979 Life and other personal insurance....... 435 112 103 140 184 305 412 450 559 947 Pensions and Social Security............ 3997 192 337 847 1366 2137 3374 4267 5655 10032 Money income before taxes 1/.............. 42901 2102 7781 12396 17500 24616 34422 44596 58573 106692 Wages and salaries....................... 36549 1671 3114 7950 13989 21401 31124 40400 53325 85324 Self-employment income................... 3936 -1063 473 1150 962 1312 1651 2499 2675 18066 Soc. Sec., priv. and gov. retirement..... 449 132 887 668 654 401 260 349 442 503 Int., divid., rent. inc., property inc... 628 53 61 52 131 200 248 592 979 2078 Unemp. and workers' compen., vet. ben.... 372 163 363 479 603 457 484 289 370 130 Pub. ass., supp. sec. inc., foodstamps... 427 836 2475 1568 530 334 79 48 98 48 Regular contributions for support........ 404 159 237 377 522 447 425 364 536 310 Other income............................. 134 151 170 151 111 64 152 54 148 234 Personal taxes 1/......................... 4347 -4 102 238 732 1817 3250 4148 5951 13539 Federal income taxes..................... 3284 -117 14 77 495 1325 2397 3037 4427 10663 State and local income taxes............. 906 -3 45 92 195 397 717 940 1290 2574 Other taxes.............................. 157 117 43 70 42 96 136 171 234 302 Income after taxes 1/..................... 38554 2106 7679 12157 16769 22798 31173 40448 52622 93153 Net change in total assets and liabilities -1866 -708 -665 -6149 -2089 -723 -5165 -5386 1894 735 Net change in total assets............... 5626 -886 1567 -472 -1219 2141 1499 934 12069 20732 Net change in total liabilities.......... 7492 -179 2232 5677 871 2865 6664 6320 10175 19997 Other money receipts...................... 340 87 5 118 464 108 381 331 450 692 Mortgage principal paid, owned property... -1296 -769 -256 -329 -318 -524 -718 -1004 -1669 -4182 Estimated market value of owned home...... 74005 23973 20722 27897 29862 39976 60132 80561 101850 169357 Est. monthly rental value of owned home... 468 184 153 177 214 276 388 542 656 960 Gifts of goods and services............... 980 298 244 603 435 758 910 857 1271 2011 Food.................................... 82 18 15 37 33 46 76 85 146 137 Housing................................. 292 92 72 83 79 242 233 257 428 636 Housekeeping supplies................. 48 13 4 35 19 36 43 64 56 89 Household textiles.................... 13 2 6 0 1 28 7 15 12 28 Appliances and misc. housewares....... 25 0 7 5 10 20 21 25 30 60 Major appliances.................... 5 0 5 3 1 5 4 3 5 11 Small appl. and misc. housewares.... 20 0 2 1 9 16 17 22 26 49 Miscellaneous household equipment..... 91 5 9 17 15 87 63 78 156 184 Other housing......................... 115 72 47 25 34 70 100 75 174 274 Apparel and services.................... 277 102 111 319 158 214 354 188 273 499 Males 2 and over...................... 62 21 25 89 29 38 87 50 62 103 Females 2 and over.................... 112 24 49 88 72 83 166 66 118 199 Children under 2...................... 41 46 29 22 45 28 45 41 43 58 Other apparel products and services... 61 11 7 120 12 66 56 31 50 138 Jewelry and watches................. 35 6 3 14 9 37 17 20 34 111 All other apparel products and serv. 26 5 4 106 4 29 38 11 15 27 Transportation.......................... 42 3 2 5 17 26 25 36 55 126 Health care............................. 19 5 3 10 5 20 20 20 21 37 Entertainment........................... 73 19 23 51 30 45 70 75 106 135 Toys, games, hobbies, and tricycles... 29 3 9 38 14 19 30 29 38 48 Other entertainment................... 44 16 14 13 16 26 40 46 69 87 Education............................... 88 3 3 14 8 52 46 92 129 255 All other gifts......................... 107 56 16 85 104 113 85 103 114 188 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary