Table 3. Consumer units of two persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1992-93 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)... 26214 960 2163 2865 3052 4929 3597 2403 3204 3041 Income before taxes 1/.................... 36717 1744 7657 12667 17477 24729 34519 44439 58482 103394 Income after taxes 1/..................... 33382 1306 7577 12418 16844 23165 32018 40993 52126 90628 Age of reference person................... 53.1 46.3 54.1 59.5 58.2 55.2 51.8 49.1 48.7 49.2 Average number in consumer unit:.......... Persons.................................. 2 2 2 2 2 2 2 2 2 2 Children under 18........................ 0.1 0.4 0.2 0.1 0.1 0.1 0.1 0 0 0 Persons 65 and over...................... 0.6 0.3 0.6 0.9 0.9 0.8 0.5 0.4 0.3 0.2 Earners.................................. 1.2 0.9 0.7 0.7 0.9 1.1 1.4 1.5 1.7 1.8 Vehicles................................. 2.2 1.3 1.3 1.7 1.9 2.1 2.4 2.4 2.6 2.9 Percent distribution: Male..................................... 73 47 53 68 75 75 74 76 82 82 Female................................... 27 53 47 32 25 25 26 24 18 18 Percent homeowner........................ 72 46 52 64 68 71 74 77 81 91 With mortgage........................... 34 19 10 18 16 27 38 47 56 66 Without mortgage........................ 37 27 42 46 52 44 36 30 25 25 Renter................................... 28 54 48 36 32 29 26 23 19 9 Black.................................... 8 23 20 10 6 8 7 5 4 4 White and other.......................... 92 77 80 90 94 92 93 95 96 96 Elementary (1-8)......................... 11 22 28 28 18 10 4 3 2 1 High school (9-12)....................... 42 40 46 46 51 51 51 39 32 18 College.................................. 46 38 24 24 31 39 45 58 66 81 Never attended and other................. 0 1 3 1 0 0 0 0 0 0 At least one vehicle owned............... 93 74 71 89 93 96 98 98 98 97 Average annual expenditures............... 32073 18405 16171 19495 21433 25913 30334 37702 44329 65056 Food..................................... 4440 3546 3144 3057 3445 3883 4338 5287 5620 7086 Food at home............................ 2642 2584 2470 2192 2314 2582 2496 2898 2980 3247 Cereals and bakery products............ 404 403 313 339 380 403 396 468 439 478 Cereals and cereal products........... 134 158 115 115 138 143 129 138 132 146 Bakery products....................... 270 245 198 224 241 260 267 330 307 332 Meats, poultry, fish, and eggs......... 680 861 682 589 596 706 610 696 728 764 Beef.................................. 205 196 187 180 181 229 193 212 239 198 Pork.................................. 154 202 156 142 151 181 131 166 147 126 Other meats........................... 89 78 91 72 80 93 85 98 88 106 Poultry............................... 122 142 151 100 93 112 103 119 149 158 Fish and seafood...................... 84 203 71 63 62 65 75 75 77 156 Eggs.................................. 27 40 25 31 29 27 24 27 27 20 Dairy products......................... 285 242 265 248 252 276 281 315 313 345 Fresh milk and cream.................. 116 104 139 119 120 118 109 117 109 112 Other dairy products.................. 168 137 126 129 133 158 171 198 205 232 Fruits and vegetables.................. 458 441 413 375 410 442 403 501 511 624 Fresh fruits.......................... 142 131 123 111 121 140 125 151 154 216 Fresh vegetables...................... 143 131 148 110 128 127 120 161 163 213 Processed fruits...................... 97 90 78 89 92 102 87 108 106 113 Processed vegetables.................. 75 89 65 65 69 74 71 81 88 82 Other food at home..................... 816 637 798 641 676 755 806 918 990 1037 Sugar and other sweets................ 120 90 234 89 103 99 101 143 129 127 Fats and oils......................... 80 75 81 68 76 83 80 83 90 79 Miscellaneous foods................... 349 277 265 276 273 325 362 398 438 463 Nonalcoholic beverages................ 211 176 197 180 176 210 207 236 245 247 Food prep. by cu, out-of-town trips... 56 19 20 29 49 37 56 58 89 121 Food away from home..................... 1798 962 674 865 1130 1301 1842 2390 2639 3839 Alcoholic beverages...................... 358 126 155 176 168 218 326 481 498 979 Housing.................................. 9444 6291 5262 6427 6528 7860 8468 10802 12520 18616 Shelter................................. 5146 3577 2579 3342 3253 4065 4541 5887 7206 10776 Owned dwellings........................ 3270 1904 873 1695 1552 2294 2788 3739 5072 8500 Mortgage interest and charges......... 1630 769 198 640 422 783 1361 2043 2890 5099 Property taxes........................ 930 563 336 540 627 822 867 1006 1240 2000 Maintenance, rep., ins., oth. exp..... 711 572 338 515 503 689 560 691 942 1401 Rented dwellings....................... 1410 1471 1582 1443 1430 1475 1452 1665 1498 770 Other lodging.......................... 465 202 125 204 271 296 301 482 636 1506 Utilities, fuels, and public services... 2104 1673 1600 1840 1842 2011 2077 2227 2343 2942 Natural gas............................ 263 244 206 226 249 236 241 270 299 386 Electricity............................ 848 668 646 776 737 830 866 886 930 1116 Fuel oil and other fuels............... 114 90 98 106 112 120 113 116 128 120 Telephone.............................. 635 525 501 538 516 594 617 698 714 929 Water and other public services........ 243 146 148 194 227 231 239 258 272 390 Household operations.................... 348 231 144 224 269 256 263 340 403 929 Personal services...................... 77 62 59 89 80 52 77 80 51 146 Other household expenses............... 271 168 85 135 189 203 186 260 351 783 Housekeeping supplies................... 483 363 288 339 385 420 469 593 584 824 Laundry and cleaning supplies.......... 117 98 100 90 88 119 115 121 149 152 Other household products............... 232 189 119 152 198 196 215 294 255 444 Postage and stationery................. 135 76 69 97 100 106 139 178 181 228 Household furnishings and equipment..... 1363 447 652 682 778 1108 1118 1757 1983 3146 Household textiles..................... 111 52 66 47 70 112 91 140 113 266 Furniture.............................. 330 98 132 224 204 210 237 373 568 789 Floor coverings........................ 96 5 24 19 55 96 62 141 159 227 Major appliances....................... 163 71 97 97 111 163 153 216 211 271 Small appliances, misc. housewares..... 107 28 53 63 63 79 90 141 118 283 Miscellaneous household equipment...... 557 193 280 231 275 447 485 745 814 1311 Apparel and services..................... 1728 1243 1161 798 885 1482 1563 2019 2427 3673 Men and boys............................ 416 232 271 242 232 337 302 577 638 820 Men, 16 and over....................... 368 215 238 224 199 268 247 521 594 756 Boys, 2 to 15.......................... 48 17 33 18 34 70 55 56 43 64 Women and girls......................... 746 530 511 298 327 696 800 739 1047 1576 Women, 16 and over..................... 708 508 475 272 292 655 751 688 1011 1544 Girls, 2 to 15......................... 38 22 36 27 35 41 50 51 36 32 Children under 2........................ 41 45 18 22 25 45 33 46 46 81 Footwear................................ 221 268 261 123 159 231 191 255 208 339 Other apparel products and services..... 304 167 100 112 142 172 237 402 489 857 Transportation........................... 5755 3045 2485 3615 3894 4763 6178 6692 8314 10488 Vehicle purchases (net outlay).......... 2419 809 1053 1627 1544 1851 2868 2576 3807 4321 Cars and trucks, new................... 1409 126 598 471 613 847 1758 1777 2540 3090 Cars and trucks, used.................. 991 684 455 1149 916 997 1109 748 1211 1209 Other vehicles......................... 18 0 0 8 15 7 1 51 57 23 Gasoline and motor oil.................. 1014 741 595 718 824 1003 1055 1230 1259 1409 Other vehicle expenses.................. 1958 1372 749 1132 1339 1672 2028 2376 2710 3651 Vehicle finance charges................ 242 48 52 111 147 185 304 372 393 419 Maintenance and repairs................ 682 626 304 431 487 586 692 820 906 1190 Vehicle insurance...................... 714 390 316 468 545 663 765 876 937 1161 Veh. rent., leas., licen., oth. chges.. 319 308 76 123 160 237 268 308 473 881 Public transportation................... 365 121 88 138 188 237 226 509 538 1107 Health care.............................. 2158 1120 1397 2118 2555 2293 2141 2167 2061 2574 Health insurance........................ 1022 543 630 1148 1208 1178 1043 997 846 1078 Medical services........................ 597 233 399 375 565 537 642 709 701 944 Drugs................................... 414 286 325 524 516 468 356 350 368 389 Medical supplies........................ 124 59 43 71 266 109 100 111 146 163 Entertainment............................ 1581 1104 538 953 958 1191 1423 1977 2265 3479 Fees and admissions..................... 410 226 82 145 210 274 348 588 582 1127 Television, radios, sound equipment..... 507 348 275 335 353 425 482 660 682 894 Pets, toys, and playground equipment.... 310 100 126 175 174 251 322 405 455 622 Other supplies, equip., and services.... 354 430 55 298 221 241 271 324 546 836 Personal care products and services...... 429 271 344 275 355 364 433 460 547 734 Reading.................................. 198 91 67 112 135 161 205 269 274 383 Education................................ 286 386 122 135 269 197 212 208 402 704 Tobacco products and smoking supplies.... 273 303 276 251 269 272 292 297 303 215 Miscellaneous............................ 811 321 457 424 643 691 757 1014 1115 1536 Cash contributions....................... 1330 222 306 586 412 868 1017 1698 1762 4399 Personal insurance and pensions.......... 3281 335 456 567 917 1670 2982 4332 6222 10190 Life and other personal insurance....... 417 168 189 191 206 309 410 463 618 1015 Pensions and Social Security............ 2865 167 268 376 711 1360 2572 3869 5604 9176 Money income before taxes 1/.............. 36717 1744 7657 12667 17477 24729 34519 44439 58482 103394 Wages and salaries....................... 24626 1281 1957 3595 7115 12419 22770 32055 47629 77387 Self-employment income................... 2407 -1620 178 352 282 1054 1419 2643 3233 11636 Soc. Sec., priv. and gov. retirement..... 7041 897 3606 7430 8865 9385 7854 6512 4693 7360 Int., divid., rent. inc., property inc... 1780 79 150 283 577 1132 1616 2472 2282 6265 Unemp. and workers' compen., vet. ben.... 314 134 261 231 265 379 459 348 227 323 Pub. ass., supp. sec. inc., foodstamps... 239 787 1281 561 150 58 49 26 25 25 Regular contributions for support........ 209 108 149 104 127 244 231 297 208 311 Other income............................. 100 77 74 109 97 59 120 85 185 85 Personal taxes 1/......................... 3335 438 80 249 633 1564 2501 3446 6357 12766 Federal income taxes..................... 2494 270 -32 106 393 1092 1761 2491 4890 9968 State and local income taxes............. 625 61 14 50 117 297 491 712 1231 2269 Other taxes.............................. 216 107 98 93 124 175 249 243 235 529 Income after taxes 1/..................... 33382 1306 7577 12418 16844 23165 32018 40993 52126 90628 Net change in total assets and liabilities -1735 -266 554 3 -1635 -990 -3940 -5693 -1464 -1319 Net change in total assets............... 3446 179 865 -233 205 1202 318 3236 8527 15184 Net change in total liabilities.......... 5181 444 311 -237 1841 2193 4259 8930 9991 16503 Other money receipts...................... 506 46 53 170 175 470 332 331 965 1542 Mortgage principal paid, owned property... -779 -253 -93 -382 -285 -408 -616 -846 -1370 -2419 Estimated market value of owned home...... 77145 39931 35632 51948 56741 60722 71232 82709 96707 171252 Est. monthly rental value of owned home... 489 259 236 341 394 416 449 537 625 963 Gifts of goods and services............... 1170 524 488 478 683 870 959 1321 1833 2925 Food.................................... 96 59 23 29 35 38 90 111 212 249 Housing................................. 300 225 158 160 161 202 259 339 462 700 Housekeeping supplies................. 43 13 20 35 37 40 41 54 54 72 Household textiles.................... 19 17 5 5 5 17 20 37 20 40 Appliances and misc. housewares....... 40 17 10 13 20 34 35 59 55 105 Major appliances.................... 9 10 1 1 2 15 6 9 15 13 Small appl. and misc. housewares.... 32 6 9 11 18 18 28 50 40 92 Miscellaneous household equipment..... 80 71 25 48 49 60 93 98 136 130 Other housing......................... 117 108 98 60 51 52 71 91 196 352 Apparel and services.................... 327 110 146 140 170 377 278 395 440 656 Males 2 and over...................... 116 42 53 61 62 133 95 129 161 233 Females 2 and over.................... 121 31 50 38 58 149 103 166 158 242 Children under 2...................... 37 8 13 20 23 36 33 45 46 81 Other apparel products and services... 52 28 30 21 28 59 47 55 76 100 Jewelry and watches................. 21 8 2 11 14 23 24 21 29 40 All other apparel products and serv. 31 21 28 10 14 35 23 33 47 60 Transportation.......................... 69 7 8 30 22 30 41 93 129 227 Health care............................. 28 36 2 11 19 15 30 34 38 74 Entertainment........................... 95 35 21 42 56 93 97 131 135 189 Toys, games, hobbies, and tricycles... 41 9 6 23 24 45 49 62 58 57 Other entertainment................... 55 26 14 19 32 48 47 68 77 133 Education............................... 122 3 20 10 101 34 49 82 217 521 All other gifts......................... 134 49 109 56 118 83 116 137 200 309 __________________________________________ 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.