Table 5. Consumer units with reference person age 55-64 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)... 9,790 510 1,112 934 796 1,492 1,309 996 1,182 1,459 Income before taxes 1/.................... $39,562 $1,827 $7,385 $12,406 $17,121 $25,065 $34,682 $44,454 $58,898 $107,092 Income after taxes 1/..................... 36,300 1,643 7,202 11,895 16,567 23,621 32,139 40,850 53,190 96,883 Age of reference person................... 59.5 59.3 60.5 60.2 60.5 59.5 59.3 59 58.9 58.6 Average number in consumer unit:.......... Persons.................................. 2.2 1.7 1.6 1.9 2.1 2.3 2.3 2.4 2.4 2.6 Children under 18........................ 0.2 0.2 0.1 0.2 0.2 0.3 0.2 0.2 0.1 0.2 Persons 65 and over...................... 0.1 0 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 Earners.................................. 1.3 0.8 0.5 0.9 1.1 1.3 1.4 1.6 1.9 2 Vehicles................................. 2.2 1.5 1.1 1.6 1.9 2.2 2.5 2.6 2.7 2.9 Percent distribution: Male..................................... 65 52 33 43 62 65 69 73 82 85 Female................................... 35 48 67 57 38 35 31 27 18 15 Percent homeowner........................ 80 66 56 64 72 82 84 91 92 94 With mortgage........................... 38 24 16 27 30 36 39 47 48 61 Without mortgage........................ 42 42 39 37 43 47 45 44 44 33 Renter................................... 20 34 44 36 28 18 16 9 8 6 Black.................................... 10 20 17 12 12 13 8 9 5 3 White and other.......................... 90 80 83 88 88 87 92 91 95 97 Elementary (1-8)......................... 12 15 33 20 18 11 8 9 3 2 High school (9-12)....................... 46 53 48 57 58 52 53 42 34 28 College.................................. 42 31 19 23 23 36 40 49 63 70 Never attended and other................. 0 1 1 0 1 1 0 0 0 1 At least one vehicle owned............... 89 74 66 81 89 92 97 98 98 95 Average annual expenditures............... $34,270 $19,335 $13,360 $18,924 $22,520 $25,376 $31,447 $37,491 $44,385 $73,135 Food..................................... 4,654 3,244 2,272 2,858 4,426 3,573 4,105 5,353 5,836 8,335 Food at home............................ 2,891 1,980 1,817 2,113 3,109 2,375 2,620 3,469 3,307 4,384 Cereals and bakery products............ 439 318 241 333 475 346 405 503 557 649 Cereals and cereal products........... 151 106 76 134 144 129 145 169 181 226 Bakery products....................... 288 212 165 199 330 217 260 334 376 423 Meats, poultry, fish, and eggs......... 800 645 611 572 979 631 720 1,072 794 1,094 Beef.................................. 251 196 195 155 249 183 227 401 266 357 Pork.................................. 178 142 180 139 274 142 173 206 158 182 Other meats........................... 99 80 68 65 129 76 80 136 102 142 Poultry............................... 132 100 80 92 175 111 120 163 118 205 Fish and seafood...................... 108 103 61 90 125 88 85 125 116 167 Eggs.................................. 33 24 28 31 26 30 35 41 32 41 Dairy products......................... 298 212 182 206 297 254 288 334 343 462 Fresh milk and cream.................. 123 107 91 100 123 117 115 122 146 160 Other dairy products.................. 175 105 90 106 174 137 173 212 197 302 Fruits and vegetables.................. 495 305 290 368 500 430 468 540 583 773 Fresh fruits.......................... 150 62 83 96 123 139 151 152 187 256 Fresh vegetables...................... 157 127 95 99 154 135 145 155 186 265 Processed fruits...................... 99 67 51 97 122 76 92 119 113 134 Processed vegetables.................. 89 48 61 77 100 79 80 114 97 120 Other food at home..................... 860 502 494 633 858 715 740 1,020 1,030 1,405 Sugar and other sweets................ 116 69 64 127 119 103 98 128 118 187 Fats and oils......................... 84 70 64 72 89 67 73 106 98 111 Miscellaneous foods................... 340 213 206 206 319 286 300 375 425 581 Nonalcoholic beverages................ 257 122 148 193 309 211 204 344 305 386 Food prep. by cu, out-of-town trips... 62 29 12 35 22 48 64 67 84 139 Food away from home..................... 1,762 1,264 455 746 1,317 1,198 1,485 1,885 2,529 3,951 Alcoholic beverages...................... 306 408 121 130 134 215 228 317 410 724 Housing.................................. 10,395 7,461 4,908 7,243 6,677 8,112 9,783 10,388 12,130 21,324 Shelter................................. 5,306 3,905 2,377 3,615 3,435 3,963 5,014 5,438 6,322 10,853 Owned dwellings........................ 3,774 2,199 1,130 1,898 2,064 2,592 3,388 4,163 4,992 8,777 Mortgage interest and charges......... 1,744 664 332 639 603 972 1,486 1,507 2,582 5,033 Property taxes........................ 1,127 637 433 737 660 832 1,195 1,254 1,405 2,259 Maintenance, rep., ins., oth. exp..... 903 898 366 522 801 788 707 1,402 1,006 1,484 Rented dwellings....................... 983 1,436 1,063 1,609 1,234 1,105 1,146 797 553 430 Other lodging.......................... 549 270 184 107 137 266 480 478 777 1,647 Utilities, fuels, and public services... 2,401 1,872 1,718 1,771 1,989 2,226 2,411 2,435 2,732 3,613 Natural gas............................ 322 244 201 218 273 308 340 350 345 495 Electricity............................ 958 737 730 725 775 876 952 928 1,099 1,453 Fuel oil and other fuels............... 112 123 72 93 129 112 126 117 101 133 Telephone.............................. 701 554 513 523 557 660 671 704 794 1,083 Water and other public services........ 308 215 202 212 255 271 323 337 394 448 Household operations.................... 379 632 92 131 170 218 316 339 379 1,030 Personal services...................... 56 357 1 2 11 30 38 82 39 94 Other household expenses............... 323 275 90 130 159 188 278 257 340 936 Housekeeping supplies................... 542 369 204 350 382 508 437 639 591 1,132 Laundry and cleaning supplies.......... 140 196 80 143 123 122 112 149 148 211 Other household products............... 233 108 71 87 162 200 210 252 242 581 Postage and stationery................. 170 65 53 120 97 186 115 238 201 340 Household furnishings and equipment..... 1,765 683 518 1,376 700 1,196 1,604 1,536 2,106 4,697 Household textiles..................... 137 64 44 79 16 147 96 243 211 251 Furniture.............................. 306 107 135 173 121 205 404 354 327 656 Floor coverings........................ 256 22 20 202 69 134 68 35 136 1,273 Major appliances....................... 171 206 139 128 192 164 168 111 188 234 Small appliances, misc. housewares..... 119 38 31 68 94 51 162 131 167 244 Miscellaneous household equipment...... 777 246 148 727 209 496 706 663 1,078 2,038 Apparel and services..................... 1,766 524 702 851 1,296 1,306 1,208 1,361 2,205 4,821 Men and boys............................ 422 121 135 254 357 254 324 309 491 1,172 Men, 16 and over....................... 349 120 130 182 248 226 294 263 426 929 Boys, 2 to 15.......................... 73 1 5 72 110 28 30 47 65 243 Women and girls......................... 788 190 327 319 519 695 477 616 770 2,379 Women, 16 and over..................... 723 171 308 275 455 617 383 558 722 2,273 Girls, 2 to 15......................... 65 19 19 44 64 78 93 58 48 106 Children under 2........................ 50 9 19 44 28 28 44 66 62 115 Footwear................................ 222 86 99 149 255 193 153 157 231 514 Other apparel products and services..... 284 119 122 85 137 136 211 213 652 641 Transportation........................... 5,974 3,671 1,899 2,588 4,473 4,454 5,402 7,587 7,141 12,871 Vehicle purchases (net outlay).......... 2,341 1,508 528 527 1,909 1,744 1,915 3,646 2,027 5,769 Cars and trucks, new................... 1,340 794 137 278 1,394 1,007 855 2,376 866 3,549 Cars and trucks, used.................. 993 596 391 249 515 736 1,060 1,263 1,150 2,220 Other vehicles......................... 8 117 0 0 0 2 1 6 11 0 Gasoline and motor oil.................. 1,036 615 488 751 794 907 1,115 1,198 1,352 1,610 Other vehicle expenses.................. 2,135 1,111 782 1,155 1,567 1,574 2,031 2,323 3,020 4,262 Vehicle finance charges................ 211 138 61 105 123 139 238 243 357 376 Maintenance and repairs................ 723 422 351 412 573 573 633 933 1,038 1,209 Vehicle insurance...................... 771 443 294 460 604 615 773 863 1,106 1,361 Veh. rent., leas., licen., oth. chges.. 430 109 76 178 267 247 387 284 519 1,317 Public transportation................... 462 437 100 156 202 229 340 420 742 1,230 Health care.............................. 2,013 1,048 1,380 1,750 1,575 1,672 2,050 2,290 2,674 2,848 Health insurance........................ 894 453 619 856 762 719 840 1,002 1,198 1,263 Medical services........................ 658 400 399 369 352 563 791 789 946 953 Drugs................................... 355 153 319 410 359 319 322 376 415 429 Medical supplies........................ 105 42 43 116 102 70 97 123 114 203 Entertainment............................ 1,645 808 693 706 863 1,301 1,907 1,949 2,019 3,289 Fees and admissions..................... 456 350 135 159 197 220 457 411 593 1,229 Television, radios, sound equipment..... 493 279 190 291 359 407 606 581 594 843 Pets, toys, and playground equipment.... 313 120 153 183 240 262 302 358 485 507 Other supplies, equip., and services.... 383 59 214 73 67 412 542 599 347 711 Personal care products and services...... 430 169 123 241 360 336 401 505 478 951 Reading.................................. 201 125 88 104 126 172 206 221 281 365 Education................................ 375 179 37 227 104 115 173 453 401 1,320 Tobacco products and smoking supplies.... 312 307 257 272 322 350 326 249 369 323 Miscellaneous............................ 923 633 418 376 679 747 1,024 1,151 1,369 1,462 Cash contributions....................... 1,300 247 156 727 339 906 967 1,313 2,110 3,464 Personal insurance and pensions.......... 3,977 510 305 851 1,147 2,120 3,667 4,353 6,962 11,037 Life and other personal insurance....... 576 212 134 205 290 418 472 621 785 1,487 Pensions and Social Security............ 3,401 298 171 645 856 1,702 3,195 3,732 6,176 9,550 Money income before taxes 1/.............. 39,562 1,827 7,385 12,406 17,121 25,065 34,682 44,454 58,898 107,092 Wages and salaries....................... 28,700 740 1,461 5,378 8,726 14,787 24,504 32,241 44,039 88,200 Self-employment income................... 2,050 (543) (66) 680 13 1,507 1,036 2,239 4,988 5,513 Soc. Sec., priv. and gov. retirement..... 6,284 998 4,279 4,857 6,964 6,802 6,870 8,083 6,345 7,873 Int., divid., rent. inc., property inc... 1,483 118 310 191 308 955 1,055 1,072 2,545 4,663 Unemp. and workers' compen., vet. ben.... 326 90 108 348 522 408 562 331 340 146 Pub. ass., supp. sec. inc., foodstamps... 415 333 1,243 716 481 360 346 322 27 82 Regular contributions for support........ 124 56 17 82 26 115 261 37 19 344 Other income............................. 179 35 34 153 81 131 49 128 595 271 Personal taxes 1/......................... 3,262 184 184 511 554 1,444 2,543 3,604 5,708 10,209 Federal income taxes..................... 2,369 93 20 281 295 977 1,812 2,493 4,248 7,736 State and local income taxes............. 641 9 7 118 102 226 547 609 1,158 2,083 Other taxes.............................. 252 82 156 112 157 241 184 502 302 389 Income after taxes 1/..................... 36,300 1,643 7,202 11,895 16,567 23,621 32,139 40,850 53,190 96,883 Net change in total assets and liabilities 729 (2,870) (762) (39) (3,323) 5,043 2,540 (3,186) 897 2,321 Net change in total assets............... 3,683 3,984 (22) 87 (942) 7,317 3,029 (1,353) 4,023 11,256 Net change in total liabilities.......... 2,954 6,854 740 126 2,381 2,274 489 1,833 3,126 8,935 Other money receipts...................... 873 388 251 79 97 693 600 1,679 1,122 2,124 Mortgage principal paid, owned property... (1,076) (414) (209) (721) (484) (544) (1,133) (1,005) (1,414) (2,786) Estimated market value of owned home...... 91,378 54,044 36,589 44,939 48,463 68,525 94,900 95,075 120,950 193,041 Est. monthly rental value of owned home... 623 414 291 385 422 497 657 634 834 1,135 Gifts of goods and services............... 1,423 665 449 707 596 952 1,077 1,640 1,889 3,656 Food.................................... 117 40 19 43 35 117 74 206 208 219 Housing................................. 327 240 103 142 119 267 234 378 538 709 Housekeeping supplies................. 62 30 12 39 24 79 41 107 71 116 Household textiles.................... 22 0 0 14 0 49 3 12 35 51 Appliances and misc. housewares....... 44 27 10 34 25 30 51 40 58 95 Major appliances.................... 7 0 2 2 0 14 9 7 5 15 Small appl. and misc. housewares.... 37 27 8 33 25 16 41 33 53 80 Miscellaneous household equipment..... 86 67 5 16 44 40 72 114 183 184 Other housing......................... 113 116 77 39 26 70 67 105 191 264 Apparel and services.................... 412 71 190 232 223 254 356 333 517 1,126 Males 2 and over...................... 111 41 33 78 35 58 102 96 153 304 Females 2 and over.................... 198 14 113 88 104 133 166 147 163 630 Children under 2...................... 43 8 13 28 23 26 43 55 56 102 Other apparel products and services... 60 8 32 38 61 37 44 36 146 90 Jewelry and watches................. 26 4 5 7 12 27 23 10 72 44 All other apparel products and serv. 34 4 26 31 49 10 22 26 73 46 Transportation.......................... 72 96 24 7 77 51 54 72 65 181 Health care............................. 28 19 7 20 2 18 31 32 41 59 Entertainment........................... 117 89 41 46 59 103 114 146 138 249 Toys, games, hobbies, and tricycles... 53 12 22 26 38 31 54 83 79 96 Other entertainment................... 65 76 20 20 21 72 60 63 58 154 Education............................... 184 5 6 137 6 46 13 365 80 764 All other gifts......................... 167 104 57 79 76 96 202 108 303 349 __________________________________________ 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.