Table 3. Consumer units with reference person age 35-44 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1994-95 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)... 19,103 622 1,031 1,406 1,260 2,711 2,859 2,307 3,598 3,310 Income before taxes 1/.................... $45,398 ($30) $7,586 $12,655 $17,250 $24,714 $34,427 $44,419 $58,504 $103,188 Income after taxes 1/..................... 41,454 (548) 7,481 12,425 16,627 23,183 31,764 40,601 53,057 93,026 Age of reference person................... 39.3 39.4 39 39.1 39 39 39.2 39.3 39.5 39.8 Average number in consumer unit:.......... Persons.................................. 3.2 2.5 2.8 3.1 3.1 3 3.2 3.3 3.6 3.5 Children under 18........................ 1.4 1 1.2 1.4 1.3 1.3 1.3 1.3 1.5 1.4 Persons 65 and over...................... 0 0 0 0.1 0 0 0 0 0 0 Earners.................................. 1.7 1 0.9 1.1 1.4 1.5 1.7 1.9 2.1 2.1 Vehicles................................. 2.2 1.1 1 1.3 1.6 1.9 2.2 2.5 2.7 2.8 Percent distribution: Male..................................... 67 47 44 45 52 58 68 77 78 79 Female................................... 33 53 56 55 48 42 32 23 22 21 Percent homeowner........................ 65 38 26 33 38 50 65 74 84 90 With mortgage........................... 55 26 13 20 27 37 55 64 77 82 Without mortgage........................ 10 12 12 13 12 13 10 10 7 8 Renter................................... 35 62 74 67 62 50 35 26 16 10 Black.................................... 12 25 20 23 21 14 10 8 6 8 White and other.......................... 88 75 80 77 79 86 90 92 94 92 Elementary (1-8)......................... 4 4 10 8 9 6 3 2 1 1 High school (9-12)....................... 41 52 55 56 57 48 44 40 39 20 College.................................. 55 44 34 36 35 45 53 58 61 80 Never attended and other................. 0 0 1 0 0 0 0 0 0 0 At least one vehicle owned............... 91 64 67 74 85 93 96 96 96 96 Average annual expenditures............... $39,216 $20,827 $18,366 $20,624 $24,270 $27,612 $33,548 $40,467 $47,729 $67,391 Food..................................... 5,508 3,362 3,121 3,510 4,112 4,490 5,045 5,739 6,676 8,037 Food at home............................ 3,374 2,633 2,538 2,672 2,918 2,896 3,028 3,530 3,901 4,327 Cereals and bakery products............ 541 406 389 404 432 426 484 587 632 743 Cereals and cereal products........... 211 170 180 167 189 172 185 219 257 257 Bakery products....................... 330 237 209 237 243 254 300 369 375 485 Meats, poultry, fish, and eggs......... 903 715 768 822 936 831 872 867 988 1,025 Beef.................................. 282 191 219 261 303 247 328 273 313 287 Pork.................................. 182 173 175 166 203 173 179 187 196 172 Other meats........................... 125 105 91 111 123 120 116 125 140 146 Poultry............................... 171 133 144 141 173 157 138 163 184 227 Fish and seafood...................... 107 81 105 95 94 98 80 91 120 151 Eggs.................................. 36 32 34 48 41 36 31 29 35 43 Dairy products......................... 365 298 255 313 301 296 321 364 435 491 Fresh milk and cream.................. 156 139 134 152 138 145 139 159 179 174 Other dairy products.................. 209 159 121 161 164 151 182 205 256 318 Fruits and vegetables.................. 509 414 388 419 432 437 439 517 591 670 Fresh fruits.......................... 154 120 121 138 139 134 118 152 176 209 Fresh vegetables...................... 158 122 115 121 132 144 143 154 177 213 Processed fruits...................... 106 89 87 91 80 83 98 109 128 136 Processed vegetables.................. 91 83 63 68 80 76 79 102 110 111 Other food at home..................... 1,055 799 737 714 817 906 912 1,194 1,255 1,398 Sugar and other sweets................ 132 66 97 90 98 130 102 151 158 176 Fats and oils......................... 97 83 72 65 94 82 90 117 99 123 Miscellaneous foods................... 481 374 316 330 365 406 439 540 575 637 Nonalcoholic beverages................ 292 247 235 216 239 255 248 326 341 368 Food prep. by cu, out-of-town trips... 53 30 17 13 21 32 34 59 82 94 Food away from home..................... 2,134 729 584 838 1,194 1,594 2,017 2,209 2,774 3,710 Alcoholic beverages...................... 331 96 120 110 213 249 279 331 441 587 Housing.................................. 12,507 8,220 7,361 7,241 9,027 8,608 10,803 12,377 14,320 21,292 Shelter................................. 7,373 4,986 4,153 4,195 5,538 5,005 6,348 7,221 8,264 12,836 Owned dwellings........................ 5,022 2,501 1,293 1,253 2,366 2,245 3,967 5,088 6,665 10,623 Mortgage interest and charges......... 3,362 1,520 636 786 1,241 1,452 2,554 3,389 4,551 7,409 Property taxes........................ 990 515 272 295 420 460 762 1,021 1,331 2,055 Maintenance, rep., ins., oth. exp..... 670 466 386 172 705 333 651 677 783 1,159 Rented dwellings....................... 1,978 2,341 2,829 2,797 3,006 2,610 2,179 1,797 1,222 1,163 Other lodging.......................... 373 144 31 145 165 150 202 336 377 1,050 Utilities, fuels, and public services... 2,391 1,824 1,556 1,899 1,968 2,088 2,249 2,429 2,730 3,106 Natural gas............................ 288 208 202 276 208 241 274 292 314 382 Electricity............................ 958 831 639 735 791 852 910 977 1,083 1,218 Fuel oil and other fuels............... 91 43 48 48 60 81 86 109 120 112 Telephone.............................. 768 568 538 667 717 712 712 746 855 955 Water and other public services........ 287 173 128 173 192 202 267 305 359 439 Household operations.................... 639 235 156 142 303 297 391 509 814 1,600 Personal services...................... 407 94 82 75 212 209 262 335 571 941 Other household expenses............... 232 141 74 66 91 88 129 174 243 659 Housekeeping supplies................... 483 229 146 211 280 333 499 516 569 856 Laundry and cleaning supplies.......... 140 99 70 83 121 101 148 137 165 210 Other household products............... 217 87 57 80 117 140 198 219 263 432 Postage and stationery................. 125 43 20 48 42 92 154 159 141 215 Household furnishings and equipment..... 1,621 947 1,349 795 938 885 1,316 1,703 1,943 2,893 Household textiles..................... 122 196 58 20 86 43 124 155 151 199 Furniture.............................. 402 355 187 293 295 259 310 383 418 754 Floor coverings........................ 138 3 704 41 10 80 100 89 89 195 Major appliances....................... 167 92 119 145 220 109 164 173 178 216 Small appliances, misc. housewares..... 97 98 39 37 50 78 83 92 123 165 Miscellaneous household equipment...... 696 204 243 258 277 314 534 811 984 1,364 Apparel and services..................... 2,108 920 1,101 1,309 1,309 1,718 1,704 2,249 2,266 3,757 Men and boys............................ 537 107 162 335 384 424 493 538 588 978 Men, 16 and over....................... 359 57 56 170 273 303 370 344 401 642 Boys, 2 to 15.......................... 178 50 106 165 111 121 123 194 187 336 Women and girls......................... 812 276 415 385 395 723 587 911 897 1,524 Women, 16 and over..................... 612 171 304 225 277 588 408 684 653 1,214 Girls, 2 to 15......................... 200 105 111 159 118 135 178 226 243 310 Children under 2........................ 103 105 68 97 49 85 101 103 113 150 Footwear................................ 353 208 297 306 289 290 284 448 330 516 Other apparel products and services..... 302 224 158 186 192 197 240 250 340 589 Transportation........................... 7,132 2,478 3,043 4,325 4,100 5,100 6,228 7,686 8,799 11,886 Vehicle purchases (net outlay).......... 3,219 728 1,239 2,370 1,726 2,331 2,874 3,572 3,734 5,455 Cars and trucks, new................... 1,541 256 573 1,178 538 973 1,444 1,239 1,678 3,232 Cars and trucks, used.................. 1,625 471 665 1,191 1,184 1,356 1,377 2,234 1,988 2,110 Other vehicles......................... 53 0 0 0 4 2 54 100 68 113 Gasoline and motor oil.................. 1,189 606 664 664 841 982 1,237 1,296 1,466 1,573 Other vehicle expenses.................. 2,331 998 863 1,099 1,289 1,574 1,903 2,541 3,184 3,892 Vehicle finance charges................ 319 59 107 134 147 237 309 395 442 464 Maintenance and repairs................ 789 364 364 414 508 579 704 844 1,063 1,192 Vehicle insurance...................... 783 322 266 411 476 557 653 916 1,064 1,205 Veh. rent., leas., licen., oth. chges.. 441 253 125 138 157 202 237 387 615 1,030 Public transportation................... 391 147 277 192 244 213 213 277 415 967 Health care.............................. 1,623 1,105 748 785 1,077 1,280 1,479 1,809 1,970 2,465 Health insurance........................ 702 383 311 266 532 610 710 805 894 921 Medical services........................ 612 432 279 335 313 421 480 678 732 1,076 Drugs................................... 221 217 128 128 173 186 216 240 238 313 Medical supplies........................ 89 73 30 55 59 62 72 86 106 155 Entertainment............................ 2,051 972 1,107 766 1,011 1,450 1,583 1,948 2,770 3,670 Fees and admissions..................... 565 199 131 125 170 279 369 505 781 1,316 Television, radios, sound equipment..... 688 454 631 394 503 545 617 637 862 953 Pets, toys, and playground equipment.... 449 237 221 180 223 396 379 458 548 760 Other supplies, equip., and services.... 349 82 123 68 115 230 218 348 579 640 Personal care products and services...... 471 365 258 241 310 357 418 534 600 687 Reading.................................. 187 84 67 64 104 121 166 185 240 345 Education................................ 482 716 154 178 243 179 325 474 538 1,093 Tobacco products and smoking supplies.... 318 347 307 306 347 359 397 339 303 208 Miscellaneous............................ 942 1,376 435 498 606 712 892 988 1,121 1,344 Cash contributions....................... 936 244 181 333 345 666 765 882 1,416 1,667 Personal insurance and pensions.......... 4,622 540 362 959 1,466 2,322 3,464 4,925 6,269 10,354 Life and other personal insurance....... 444 196 54 166 228 242 323 476 607 885 Pensions and Social Security............ 4,177 344 308 793 1,238 2,080 3,141 4,450 5,662 9,470 Money income before taxes 1/.............. 45,398 (30) 7,586 12,655 17,250 24,714 34,427 44,419 58,504 103,188 Wages and salaries....................... 39,917 3,047 3,345 7,043 12,733 20,866 30,636 40,885 54,520 89,621 Self-employment income................... 2,867 (4,374) 78 1,167 1,175 1,177 1,748 1,977 2,331 10,017 Soc. Sec., priv. and gov. retirement..... 567 123 840 1,156 923 558 443 305 407 649 Int., divid., rent. inc., property inc... 549 70 72 140 92 145 283 364 403 1,986 Unemp. and workers' compen., vet. ben.... 397 92 216 291 641 789 512 320 306 197 Pub. ass., supp. sec. inc., foodstamps... 509 724 2,498 2,263 1,026 556 117 68 27 39 Regular contributions for support........ 425 220 355 356 579 532 535 314 403 377 Other income............................. 166 68 182 240 82 91 152 185 108 302 Personal taxes 1/......................... 3,944 519 105 231 622 1,531 2,663 3,817 5,448 10,162 Federal income taxes..................... 2,920 412 62 117 379 1,089 1,884 2,781 3,935 7,828 State and local income taxes............. 841 (5) 15 83 180 366 613 854 1,243 1,973 Other taxes.............................. 182 111 28 31 63 76 166 183 270 361 Income after taxes 1/..................... 41,454 (548) 7,481 12,425 16,627 23,183 31,764 40,601 53,057 93,026 Net change in total assets and liabilities (1,247) (948) 668 1,004 (5,486) (2,129) (3,207) (104) (3,682) 3,024 Net change in total assets............... 5,895 (1,151) 578 3,591 (1,549) 2,208 3,613 8,045 6,436 15,594 Net change in total liabilities.......... 7,142 (203) (90) 2,587 3,936 4,337 6,819 8,149 10,118 12,570 Other money receipts...................... 363 407 1,033 198 177 275 342 395 189 547 Mortgage principal paid, owned property... (1,643) (1,133) (306) (252) (595) (530) (932) (1,277) (1,926) (4,617) Estimated market value of owned home...... 74,437 42,462 21,114 22,464 31,477 36,694 56,157 73,939 97,198 157,796 Est. monthly rental value of owned home... 535 382 169 188 230 316 420 558 714 1,012 Gifts of goods and services............... 922 369 373 376 594 615 860 882 978 1,850 Food.................................... 69 5 28 23 14 55 66 63 67 158 Housing................................. 237 194 79 109 144 123 286 255 225 443 Housekeeping supplies................. 38 9 5 13 16 23 43 33 48 77 Household textiles.................... 10 0 10 1 15 4 12 8 16 11 Appliances and misc. housewares....... 22 84 6 3 10 15 28 14 13 44 Major appliances.................... 4 0 0 1 0 4 6 4 4 7 Small appl. and misc. housewares.... 18 84 6 3 10 12 22 11 10 37 Miscellaneous household equipment..... 78 25 34 3 19 30 80 128 95 146 Other housing......................... 89 75 24 89 84 50 123 72 53 166 Apparel and services.................... 254 82 119 169 268 240 230 286 260 361 Males 2 and over...................... 75 5 6 50 134 102 71 109 47 81 Females 2 and over.................... 82 5 48 34 33 74 70 80 128 121 Children under 2...................... 44 59 35 56 15 20 42 41 52 71 Other apparel products and services... 52 14 30 30 86 45 47 55 32 88 Jewelry and watches................. 23 14 7 5 9 20 14 21 25 52 All other apparel products and serv. 29 0 23 25 77 25 33 34 7 36 Transportation.......................... 42 9 14 4 15 19 34 34 68 85 Health care............................. 29 6 6 4 4 16 15 21 33 86 Entertainment........................... 96 23 15 19 61 65 79 93 96 226 Toys, games, hobbies, and tricycles... 31 14 4 11 31 21 35 29 39 46 Other entertainment................... 66 9 11 8 30 44 44 64 57 180 Education............................... 72 6 7 11 10 26 23 48 46 277 All other gifts......................... 124 44 105 35 78 71 126 82 183 213 __________________________________________ 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. 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.