Table 5. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1992-93 Complete reporting of income Complete Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to and of income $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over __________________________________________________________________________________________ Number of consumer units (in thousands)... 12494 969 882 829 1685 1812 1874 2301 2142 Income before taxes 1/.................... 47864 6642 12344 17482 25037 34907 44869 58854 112634 Income after taxes 1/..................... 43400 6465 12383 17025 23722 32266 41001 53647 99079 Age of reference person................... 40 38.2 37.2 39 38 39.6 39.3 41.2 43.5 Average number in consumer unit:.......... Persons.................................. 4 4 4 4 4 4 4 4 4 Children under 18........................ 1.7 2.1 2.1 1.8 1.7 1.7 1.7 1.6 1.5 Persons 65 and over...................... 0.1 0.1 0.1 0.1 0.1 0.1 0 0 0 Earners.................................. 2 1 1.1 1.6 1.9 2.1 2.2 2.3 2.4 Vehicles................................. 2.6 1.3 1.4 2 2.5 2.7 3 3.1 3.1 Percent distribution: Male..................................... 76 44 45 72 73 80 85 85 83 Female................................... 24 56 55 28 27 20 15 15 17 Percent homeowner........................ 72 35 33 52 63 74 78 89 94 With mortgage........................... 60 21 21 36 48 59 68 79 85 Without mortgage........................ 12 13 12 16 15 15 10 10 9 Renter................................... 28 65 67 48 37 26 22 11 6 Black.................................... 12 29 25 17 15 8 8 7 5 White and other.......................... 88 71 75 83 85 92 92 93 95 Elementary (1-8)......................... 6 13 19 11 8 5 2 2 1 High school (9-12)....................... 45 60 58 57 57 45 51 37 20 College.................................. 50 26 22 32 35 50 47 62 79 Never attended and other................. 0 1 1 0 0 0 0 0 0 At least one vehicle owned............... 94 70 80 94 95 99 98 99 97 Average annual expenditures............... 42650 19569 19020 25727 30065 35965 42780 50427 75611 Food..................................... 6194 4002 3750 4622 4973 5463 6515 7461 8396 Food at home............................ 3912 3221 2939 3275 3397 3667 4053 4485 4609 Cereals and bakery products............ 636 466 550 447 525 592 648 746 790 Cereals and cereal products........... 233 214 241 161 198 223 240 266 260 Bakery products....................... 403 252 309 286 327 370 408 480 530 Meats, poultry, fish, and eggs......... 1016 1082 831 997 934 922 1010 1128 1081 Beef.................................. 322 344 268 339 361 298 335 309 324 Pork.................................. 223 247 187 209 198 223 214 269 210 Other meats........................... 144 142 120 136 114 122 157 187 139 Poultry............................... 181 188 139 155 158 157 179 202 217 Fish and seafood...................... 105 121 70 120 69 79 90 123 139 Eggs.................................. 41 40 47 36 34 42 34 38 53 Dairy products......................... 443 358 331 352 402 438 483 500 492 Fresh milk and cream.................. 200 185 185 146 191 219 214 208 206 Other dairy products.................. 243 172 146 206 211 219 269 293 286 Fruits and vegetables.................. 582 436 402 483 488 481 569 669 796 Fresh fruits.......................... 170 120 93 115 145 142 158 209 243 Fresh vegetables...................... 167 129 126 136 142 141 151 194 226 Processed fruits...................... 137 84 106 126 107 101 140 155 199 Processed vegetables.................. 108 103 77 106 94 97 119 111 128 Other food at home..................... 1235 880 824 996 1047 1234 1344 1441 1449 Sugar and other sweets................ 154 118 113 147 125 137 174 177 178 Fats and oils......................... 102 96 85 105 92 99 104 118 101 Miscellaneous foods................... 593 403 397 459 495 596 646 711 690 Nonalcoholic beverages................ 327 255 214 256 296 354 364 354 367 Food prep. by cu, out-of-town trips... 59 9 16 29 39 48 55 81 113 Food away from home..................... 2282 781 811 1347 1576 1797 2462 2976 3787 Alcoholic beverages...................... 313 133 85 247 230 292 300 446 443 Housing.................................. 13170 6911 7191 8583 9273 10807 12567 15023 23603 Shelter................................. 7288 3598 4179 4729 4933 6112 6888 8260 13381 Owned dwellings........................ 5314 1442 1119 2218 2827 4298 4979 6866 11431 Mortgage interest and charges......... 3603 875 716 1344 1854 2887 3402 4765 7812 Property taxes........................ 1034 364 213 524 490 820 947 1290 2280 Maintenance, rep., ins., oth. exp..... 677 203 190 350 483 591 630 811 1340 Rented dwellings....................... 1530 2065 3028 2409 1917 1608 1536 844 690 Other lodging.......................... 445 91 32 102 189 206 373 550 1259 Utilities, fuels, and public services... 2571 2015 1893 2107 2332 2370 2488 2839 3424 Natural gas............................ 323 285 220 214 249 288 308 379 466 Electricity............................ 1043 819 778 885 978 973 1016 1124 1359 Fuel oil and other fuels............... 116 69 53 85 114 120 126 126 157 Telephone.............................. 771 615 643 709 742 691 716 834 988 Water and other public services........ 318 227 198 215 250 299 322 376 455 Household operations.................... 875 297 235 320 481 524 871 1067 2018 Personal services...................... 600 207 146 243 379 406 658 840 1132 Other household expenses............... 275 89 88 77 102 118 213 228 886 Housekeeping supplies................... 641 315 307 557 452 543 653 779 963 Laundry and cleaning supplies.......... 172 136 135 117 136 185 171 192 216 Other household products............... 312 126 107 353 197 220 364 384 471 Postage and stationery................. 156 52 65 86 119 138 118 202 277 Household furnishings and equipment..... 1795 686 578 870 1075 1258 1666 2077 3817 Household textiles..................... 162 84 46 98 93 119 164 125 375 Furniture.............................. 499 248 193 229 389 384 474 521 1024 Floor coverings........................ 79 37 8 37 117 49 62 95 129 Major appliances....................... 185 162 99 127 138 199 142 214 283 Small appliances, misc. housewares..... 121 60 34 53 62 77 108 130 280 Miscellaneous household equipment...... 750 95 198 325 276 431 717 992 1727 Apparel and services..................... 2433 1667 1183 1722 1760 1989 2447 2678 4044 Men and boys............................ 617 314 187 321 420 598 722 721 981 Men, 16 and over....................... 431 249 73 233 271 392 496 505 735 Boys, 2 to 15.......................... 186 64 113 88 150 206 226 217 246 Women and girls......................... 953 658 469 617 615 687 905 1069 1722 Women, 16 and over..................... 704 540 316 482 398 520 648 753 1328 Girls, 2 to 15......................... 249 118 153 135 217 167 256 315 394 Children under 2........................ 159 210 127 163 180 158 147 147 163 Footwear................................ 392 340 224 468 353 331 376 406 510 Other apparel products and services..... 312 144 175 153 192 214 298 335 667 Transportation........................... 7615 3025 3281 4367 6084 7013 7521 8613 13456 Vehicle purchases (net outlay).......... 3365 1241 1205 1819 2656 3259 3121 3572 6449 Cars and trucks, new................... 1778 418 541 235 806 950 1594 1766 5139 Cars and trucks, used.................. 1542 824 657 1584 1823 2222 1455 1804 1217 Other vehicles......................... 44 0 8 0 27 87 71 3 93 Gasoline and motor oil.................. 1378 796 818 1024 1273 1286 1508 1547 1872 Other vehicle expenses.................. 2550 847 1131 1343 1945 2273 2662 3067 4425 Vehicle finance charges................ 385 106 121 188 302 390 484 482 567 Maintenance and repairs................ 852 290 520 538 640 749 921 1042 1357 Vehicle insurance...................... 892 337 355 456 695 869 877 1118 1475 Veh. rent., leas., licen., oth. chges.. 421 115 136 161 308 264 380 424 1026 Public transportation................... 323 140 127 181 210 195 230 426 710 Health care.............................. 1911 763 637 1335 1765 1949 2056 2115 2906 Health insurance........................ 800 288 261 654 673 953 855 851 1177 Medical services........................ 742 261 207 367 750 671 805 824 1239 Drugs................................... 249 165 117 245 251 219 264 283 310 Medical supplies........................ 120 49 52 69 92 107 132 156 180 Entertainment............................ 2510 880 841 1139 1389 1841 2982 3487 4440 Fees and admissions..................... 604 141 96 165 232 384 539 787 1529 Television, radios, sound equipment..... 730 472 431 430 518 701 727 848 1153 Pets, toys, and playground equipment.... 416 203 230 248 262 394 466 560 589 Other supplies, equip., and services.... 760 64 84 296 376 362 1249 1291 1170 Personal care products and services...... 548 305 224 395 393 494 555 663 849 Reading.................................. 198 71 74 96 133 159 198 265 359 Education................................ 705 253 91 340 246 486 579 835 1811 Tobacco products and smoking supplies.... 358 333 297 411 415 371 370 385 277 Miscellaneous............................ 951 651 520 636 690 911 1040 1055 1419 Cash contributions....................... 911 152 165 490 412 564 936 1164 2120 Personal insurance and pensions.......... 4832 425 680 1345 2302 3627 4713 6237 11489 Life and other personal insurance....... 559 194 141 199 378 512 552 647 1131 Pensions and Social Security............ 4273 231 539 1146 1924 3115 4161 5591 10357 Money income before taxes 1/.............. 47864 6642 12344 17482 25037 34907 44869 58854 112634 Wages and salaries....................... 40687 2010 5960 12558 21338 30244 41405 53987 92515 Self-employment income................... 3868 384 393 784 959 1967 1612 2319 15603 Soc. Sec., priv. and gov. retirement..... 1093 689 1136 1640 1349 1254 493 989 1346 Int., divid., rent. inc., property inc... 677 72 50 104 139 383 478 619 2339 Unemp. and workers' compen., vet. ben.... 436 293 496 592 441 446 574 338 387 Pub. ass., supp. sec. inc., foodstamps... 666 3045 3779 892 373 185 82 61 18 Regular contributions for support........ 306 122 433 785 309 350 187 257 267 Other income............................. 131 27 96 128 129 78 39 283 160 Personal taxes 1/......................... 4465 177 -39 458 1315 2641 3868 5207 13555 Federal income taxes..................... 3320 9 -89 278 923 1942 2768 3764 10459 State and local income taxes............. 955 23 37 160 317 555 917 1181 2693 Other taxes.............................. 190 145 13 19 76 144 183 263 404 Income after taxes 1/..................... 43400 6465 12383 17025 23722 32266 41001 53647 99079 Net change in total assets and liabilities -5728 -541 -1415 -14687 -4760 -344 -8447 -6566 -8419 Net change in total assets............... 5819 1356 851 -12096 1799 5631 7714 7703 16461 Net change in total liabilities.......... 11547 1897 2266 2591 6559 5975 16161 14269 24880 Other money receipts...................... 606 2929 74 779 149 303 211 324 970 Mortgage principal paid, owned property... -1646 -442 -215 -407 -577 -814 -1043 -2092 -4852 Estimated market value of owned home...... 86693 24990 25129 38902 42458 64774 76053 105054 201381 Est. monthly rental value of owned home... 544 180 172 267 299 446 540 701 1081 Gifts of goods and services............... 931 255 555 453 556 645 788 1073 2028 Food.................................... 72 15 19 51 12 40 73 85 178 Housing................................. 320 113 189 132 261 194 212 382 692 Housekeeping supplies................. 53 12 31 24 43 38 35 81 93 Household textiles.................... 17 6 1 0 3 2 14 4 67 Appliances and misc. housewares....... 28 4 10 7 28 18 17 32 64 Major appliances.................... 6 3 8 3 7 2 4 12 8 Small appl. and misc. housewares.... 22 2 2 4 21 16 13 20 56 Miscellaneous household equipment..... 101 4 75 26 89 59 75 163 173 Other housing......................... 121 86 72 75 99 77 72 102 295 Apparel and services.................... 231 68 279 149 168 188 249 233 373 Males 2 and over...................... 64 16 31 16 36 48 72 74 126 Females 2 and over.................... 84 13 134 79 55 44 92 85 138 Children under 2...................... 51 21 32 34 42 60 64 51 66 Other apparel products and services... 33 18 83 20 35 36 21 23 43 Jewelry and watches................. 13 1 1 5 7 9 15 16 27 All other apparel products and serv. 20 17 81 15 27 27 6 7 16 Transportation.......................... 42 3 5 9 22 96 34 28 82 Health care............................. 14 3 0 1 10 9 7 27 30 Entertainment........................... 75 19 50 27 24 49 71 112 150 Toys, games, hobbies, and tricycles... 28 6 42 15 11 20 36 38 43 Other entertainment................... 46 12 9 12 13 29 35 74 108 Education............................... 96 12 2 3 8 28 39 90 391 All other gifts......................... 81 22 10 80 51 41 103 116 132 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. Note that all values have been rounded, and therefore some rounded values equal zero. This is particularly evident in the characteristics section. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.