Table 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1993-94 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)... 19,047 639 1,027 1,433 1,241 2,688 2,845 2,525 3,499 3,151 Income before taxes 1/.................... $45,298 $557 $7,520 $12,554 $17,423 $24,454 $34,496 $44,418 $58,345 $106,301 Income after taxes 1/..................... 41,190 28 7,418 12,387 16,777 22,874 31,764 40,372 52,693 95,271 Age of reference person................... 39.3 39.2 39 39.1 38.6 39 39.3 39.1 39.4 39.8 Average number in consumer unit:.......... Persons.................................. 3.3 2.6 2.7 3 2.9 3.1 3.2 3.4 3.5 3.6 Children under 18........................ 1.4 1.1 1.2 1.4 1.3 1.3 1.3 1.4 1.5 1.5 Persons 65 and over...................... 0 0 0 0 0 0 0 0 0 0 Earners.................................. 1.7 1 0.9 1.1 1.4 1.6 1.8 1.9 2 2.1 Vehicles................................. 2.2 1 1.2 1.3 1.6 2 2.3 2.6 2.8 2.8 Percent distribution: Male..................................... 67 44 44 43 60 62 67 74 79 81 Female................................... 33 56 56 57 40 38 33 26 21 19 Percent homeowner........................ 65 30 27 30 38 52 68 76 83 92 With mortgage........................... 56 20 17 18 28 41 59 69 77 83 Without mortgage........................ 9 10 10 12 10 11 10 8 6 9 Renter................................... 35 70 73 70 62 48 32 24 17 8 Black.................................... 11 28 19 24 19 13 10 8 6 7 White and other.......................... 89 72 81 76 81 87 90 92 94 93 Elementary (1-8)......................... 3 5 8 8 6 6 2 1 0 0 High school (9-12)....................... 39 47 55 54 53 49 41 37 33 17 College.................................. 58 48 37 38 41 45 57 61 66 82 Never attended and other................. 0 0 0 0 0 0 0 0 0 0 At least one vehicle owned............... 91 68 69 74 86 94 96 97 97 97 Average annual expenditures............... $38,754 $17,494 $17,327 $19,198 $23,546 $27,273 $34,154 $40,247 $47,265 $67,895 Food..................................... 5,578 2,876 3,128 3,726 4,119 4,639 5,102 5,686 6,791 7,996 Food at home............................ 3,421 2,223 2,449 2,874 3,010 3,086 3,104 3,455 4,021 4,215 Cereals and bakery products............ 555 327 353 443 448 461 497 593 660 731 Cereals and cereal products........... 216 153 168 202 180 180 186 220 249 277 Bakery products....................... 339 175 185 241 268 280 311 374 411 454 Meats, poultry, fish, and eggs......... 909 696 823 845 902 962 811 858 1,013 974 Beef.................................. 294 132 258 273 286 334 280 272 331 298 Pork.................................. 186 184 194 180 224 193 173 172 196 176 Other meats........................... 120 71 97 116 117 117 111 129 133 126 Poultry............................... 171 162 164 157 151 176 132 163 198 194 Fish and seafood...................... 105 114 76 75 90 109 82 92 119 146 Eggs.................................. 35 33 35 43 36 34 33 31 37 33 Dairy products......................... 376 248 245 319 314 299 342 378 470 479 Fresh milk and cream.................. 165 139 130 155 146 149 151 177 191 182 Other dairy products.................. 211 109 115 163 168 150 191 201 279 297 Fruits and vegetables.................. 520 382 337 452 469 439 446 538 624 663 Fresh fruits.......................... 156 105 88 147 144 135 127 168 185 199 Fresh vegetables...................... 160 131 121 150 160 140 139 146 186 201 Processed fruits...................... 111 71 67 90 91 86 95 120 144 141 Processed vegetables.................. 93 77 62 64 74 78 85 104 109 122 Other food at home..................... 1,061 569 692 816 876 925 1,009 1,087 1,253 1,368 Sugar and other sweets................ 138 73 103 104 119 133 137 128 157 172 Fats and oils......................... 98 76 72 84 93 90 98 102 100 121 Miscellaneous foods................... 472 259 288 377 359 392 454 468 587 615 Nonalcoholic beverages................ 297 143 216 234 284 276 281 322 329 356 Food prep. by cu, out-of-town trips... 55 17 12 16 22 34 38 66 82 104 Food away from home..................... 2,157 653 679 852 1,110 1,553 1,998 2,231 2,770 3,782 Alcoholic beverages...................... 346 114 159 152 226 231 284 312 473 617 Housing.................................. 12,240 6,912 5,987 6,988 8,419 8,476 10,585 12,422 14,421 21,323 Shelter................................. 7,133 4,316 3,567 4,042 5,161 4,874 6,342 7,343 8,251 12,278 Owned dwellings........................ 4,894 1,609 1,121 1010 2,011 2,265 4,263 5,292 6,486 10,415 Mortgage interest and charges......... 3,317 905 677 601 1,325 1,471 2,784 3,661 4,430 7,228 Property taxes........................ 940 327 207 257 388 439 758 1,022 1,255 2,011 Maintenance, rep., ins., oth. exp..... 637 377 237 151 299 355 721 610 801 1,176 Rented dwellings....................... 1,854 2,577 2,352 2,877 2,982 2,464 1,858 1,666 1,294 885 Other lodging.......................... 385 130 94 155 168 144 221 384 471 978 Utilities, fuels, and public services... 2,368 1,755 1,664 1,783 1,841 2,057 2,253 2,438 2,671 3,170 Natural gas............................ 291 207 215 233 200 238 275 296 336 400 Electricity............................ 949 741 672 690 735 829 904 1,010 1,056 1,258 Fuel oil and other fuels............... 99 49 81 58 70 86 101 107 118 129 Telephone.............................. 747 588 548 645 647 695 699 718 821 961 Water and other public services........ 281 170 148 157 189 209 274 307 340 422 Household operations.................... 675 194 193 162 310 333 349 592 801 1,821 Personal services...................... 428 81 112 101 210 237 217 329 580 1,100 Other household expenses............... 247 113 81 61 100 96 132 263 221 721 Housekeeping supplies................... 483 151 156 223 271 359 426 494 644 804 Laundry and cleaning supplies.......... 141 61 65 89 98 119 144 135 170 205 Other household products............... 229 52 63 85 120 151 186 244 312 413 Postage and stationery................. 113 39 27 49 53 88 95 116 163 186 Household furnishings and equipment..... 1,582 496 407 778 836 854 1,216 1,555 2,054 3,250 Household textiles..................... 125 24 31 23 90 52 125 121 183 230 Furniture.............................. 394 245 101 269 259 223 297 296 516 806 Floor coverings........................ 99 28 14 9 22 34 90 97 99 269 Major appliances....................... 167 64 89 119 134 133 163 160 212 236 Small appliances, misc. housewares..... 110 22 28 48 47 70 75 113 115 256 Miscellaneous household equipment...... 688 113 145 311 284 342 465 768 930 1,453 Apparel and services..................... 2,111 971 824 1,146 1,370 1,669 1,776 2,187 2,251 3,885 Men and boys............................ 565 252 179 296 374 374 527 649 596 1,027 Men, 16 and over....................... 374 201 73 189 250 257 321 415 440 676 Boys, 2 to 15.......................... 191 52 106 107 125 117 206 234 156 351 Women and girls......................... 835 311 346 382 550 743 607 840 852 1,632 Women, 16 and over..................... 614 209 251 247 442 625 429 594 595 1,210 Girls, 2 to 15......................... 220 102 95 135 108 119 178 246 257 423 Children under 2........................ 92 89 58 56 38 86 90 72 129 127 Footwear................................ 306 110 110 236 222 292 326 324 312 437 Other apparel products and services..... 314 208 132 175 186 174 226 301 363 661 Transportation........................... 6,774 2,430 3,354 3,075 3,833 4,907 6,676 7,502 8,251 11,053 Vehicle purchases (net outlay).......... 2,878 633 1,420 1,289 1,479 2,012 3,197 3,359 3,463 4,495 Cars and trucks, new................... 1,420 250 376 578 113 931 1,301 1,762 1,634 2,910 Cars and trucks, used.................. 1,408 384 1044 711 1,366 1,062 1,806 1,571 1,779 1,464 Other vehicles......................... 49 0 0 0 0 19 90 26 50 122 Gasoline and motor oil.................. 1,207 635 719 680 855 1,079 1,247 1,300 1,419 1,624 Other vehicle expenses.................. 2,329 995 970 912 1,279 1,599 2,034 2,588 2,941 4,087 Vehicle finance charges................ 323 55 80 118 160 205 307 448 479 457 Maintenance and repairs................ 816 326 425 343 490 631 749 938 1,014 1,276 Vehicle insurance...................... 785 404 273 347 451 570 733 858 1,033 1,259 Veh. rent., leas., licen., oth. chges.. 404 211 192 103 178 194 245 344 414 1,095 Public transportation................... 361 167 245 194 220 217 198 255 429 847 Health care.............................. 1,669 1,062 741 793 1,097 1,401 1,576 1,846 1,900 2,633 Health insurance........................ 684 375 301 296 537 627 701 756 782 975 Medical services........................ 666 422 256 362 327 506 560 752 743 1,199 Drugs................................... 223 219 160 92 167 200 235 242 252 287 Medical supplies........................ 96 45 24 44 66 70 80 95 122 172 Entertainment............................ 2,111 839 812 759 1,005 1,425 1,745 2,011 2,851 4,007 Fees and admissions..................... 568 192 115 115 186 264 382 526 758 1,396 Television, radios, sound equipment..... 702 341 398 380 468 587 684 691 835 1,087 Pets, toys, and playground equipment.... 423 215 171 187 192 313 396 465 517 718 Other supplies, equip., and services.... 419 92 129 77 159 262 282 329 742 807 Personal care products and services...... 483 339 243 245 285 351 456 506 590 766 Reading.................................. 195 97 82 78 102 128 179 204 243 355 Education................................ 467 602 144 70 266 197 389 434 594 993 Tobacco products and smoking supplies.... 331 245 394 313 356 376 383 319 322 261 Miscellaneous............................ 967 364 855 592 544 688 866 1,039 1,152 1,526 Cash contributions....................... 873 191 227 335 393 466 617 898 1,183 1,871 Personal insurance and pensions.......... 4,606 452 378 926 1,532 2,319 3,521 4,882 6,242 10,606 Life and other personal insurance....... 436 165 97 138 174 278 330 461 574 896 Pensions and Social Security............ 4,171 287 280 788 1,357 2,041 3,191 4,421 5,668 9,710 Money income before taxes 1/.............. 45,298 557 7,520 12,554 17,423 24,454 34,496 44,418 58,345 106,301 Wages and salaries....................... 39,932 3,034 2,972 7,586 12,686 20,781 30,448 41,450 54,253 92,678 Self-employment income................... 2,797 (3,776) 137 872 1,402 1,260 1,853 1,517 2,555 9,877 Soc. Sec., priv. and gov. retirement..... 492 70 929 1019 631 460 447 255 346 559 Int., divid., rent. inc., property inc... 599 22 118 110 144 162 267 323 469 2,310 Unemp. and workers' compen., vet. ben.... 440 157 419 432 690 795 644 357 291 152 Pub. ass., supp. sec. inc., foodstamps... 493 796 2,508 2,122 1,023 488 64 109 35 31 Regular contributions for support........ 417 183 333 331 652 422 630 288 304 473 Other income............................. 130 72 104 83 194 87 142 118 92 223 Personal taxes 1/......................... 4,108 529 103 167 646 1,580 2,732 4,046 5,652 11,030 Federal income taxes..................... 3,090 427 18 89 422 1,145 2,009 2,957 4,127 8,638 State and local income taxes............. 859 14 23 42 178 370 610 912 1,261 2,094 Other taxes.............................. 159 89 62 35 46 65 113 176 264 299 Income after taxes 1/..................... 41,190 28 7,418 12,387 16,777 22,874 31,764 40,372 52,693 95,271 Net change in total assets and liabilities (2,921) -1354 -1159 2,315 (6,927) (1,427) (9,154) (1,896) (9,022) 5,692 Net change in total assets............... 7,778 -600 974 4,758 (1,841) 3,762 858 10,738 7,976 23,935 Net change in total liabilities.......... 10,698 755 2,132 2,443 5,085 5,189 10,012 12,634 16,999 18,243 Other money receipts...................... 482 1,061 2,984 153 112 130 449 363 297 474 Mortgage principal paid, owned property... (1,395) -532 -389 -224 -500 -463 -912 (1,297) (1,452) (4,026) Estimated market value of owned home...... 71,836 21,461 18,727 18,750 26,785 35,293 61,343 74,203 91,962 157,641 Est. monthly rental value of owned home... 510 187 152 164 216 302 449 550 669 987 Gifts of goods and services............... 904 224 369 475 595 548 753 798 1,033 1,883 Food.................................... 66 4 30 34 49 62 69 44 68 126 Housing................................. 271 57 74 159 148 157 233 220 274 635 Housekeeping supplies................. 41 3 11 28 38 25 35 35 63 66 Household textiles.................... 14 0 11 2 2 5 3 22 15 38 Appliances and misc. housewares....... 23 3 7 4 12 19 21 26 30 40 Major appliances.................... 6 0 0 1 0 4 3 3 13 12 Small appl. and misc. housewares.... 17 3 7 4 12 15 19 23 17 28 Miscellaneous household equipment..... 106 9 15 52 15 56 87 65 105 304 Other housing......................... 86 42 30 74 81 53 87 72 61 187 Apparel and services.................... 240 29 112 123 283 140 195 280 268 410 Males 2 and over...................... 73 6 25 44 134 35 51 113 58 122 Females 2 and over.................... 91 4 50 33 91 47 71 92 130 151 Children under 2...................... 37 10 15 23 14 33 38 39 45 59 Other apparel products and services... 39 8 23 23 44 25 35 36 35 78 Jewelry and watches................. 22 8 5 4 7 12 11 20 29 57 All other apparel products and serv. 17 0 18 19 38 13 24 16 7 21 Transportation.......................... 42 16 13 14 12 21 38 50 75 61 Health care............................. 32 2 0 8 12 23 11 7 44 99 Entertainment........................... 91 15 36 27 59 78 77 81 109 175 Toys, games, hobbies, and tricycles... 35 12 11 18 22 22 36 43 46 52 Other entertainment................... 56 3 25 10 38 57 41 39 63 123 Education............................... 56 8 18 5 4 14 24 34 53 211 All other gifts......................... 105 93 86 104 28 51 106 81 143 165 __________________________________________ 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.