Table 6. Consumer units with reference person age 65 and over 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 to 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)... 18,353 960 4,380 3,730 2,599 2,942 1,435 936 685 686 Income before taxes 1/.................... $22,375 ($1,987) $7,644 $12,287 $17,332 $24,283 $34,671 $44,461 $57,554 $125,274 Income after taxes 1/..................... 21,187 (2,770) 7,587 11,819 16,855 23,395 33,262 42,514 52,630 113,617 Age of reference person................... 74.6 75.3 76.6 75 74.6 73.4 72 72.7 72.8 72.3 Average number in consumer unit:.......... Persons.................................. 1.7 1.3 1.3 1.5 1.8 2 2.2 2.2 2.4 2.2 Children under 18........................ 0.1 0 0.1 0.1 0.1 0.1 0.1 0.2 0.2 0.1 Persons 65 and over...................... 1.3 1.1 1.1 1.3 1.5 1.6 1.5 1.5 1.5 1.4 Earners.................................. 0.4 0.2 0.1 0.2 0.3 0.4 0.8 0.8 1.1 1.3 Vehicles................................. 1.4 0.9 0.8 1.3 1.5 1.8 2.1 2.2 2.3 2 Percent distribution: Male..................................... 53 36 28 46 61 70 78 79 73 77 Female................................... 47 64 72 54 39 30 22 21 27 23 Percent homeowner........................ 79 64 60 81 85 90 88 86 84 98 With mortgage........................... 14 11 7 11 15 19 24 23 20 27 Without mortgage........................ 64 53 53 70 71 71 64 64 64 71 Renter................................... 21 36 40 19 15 10 12 14 16 2 Black.................................... 8 15 15 7 5 6 4 4 3 3 White and other.......................... 92 85 85 93 95 94 96 96 97 97 Elementary (1-8)......................... 23 34 41 21 20 16 12 7 5 1 High school (9-12)....................... 48 44 46 51 54 54 43 46 33 24 College.................................. 29 20 13 28 25 29 44 47 61 74 Never attended and other................. 1 2 1 1 0 1 0 0 0 0 At least one vehicle owned............... 79 51 52 82 88 92 96 94 98 94 Average annual expenditures............... $23,182 $13,691 $11,970 $17,886 $22,021 $26,418 $33,831 $35,344 $48,211 $62,182 Food..................................... 3,474 2,158 1,997 2,828 3,455 3,983 5,224 5,279 6,073 7,309 Food at home............................ 2,395 1,750 1,593 2,104 2,504 2,713 3,383 3,479 3,310 3,819 Cereals and bakery products............ 394 319 251 342 458 440 612 549 481 535 Cereals and cereal products........... 134 102 90 115 159 147 196 206 158 171 Bakery products....................... 260 218 161 226 299 294 416 343 322 364 Meats, poultry, fish, and eggs......... 592 449 400 543 618 662 787 882 696 1,051 Beef.................................. 167 95 109 145 180 196 174 281 218 387 Pork.................................. 133 85 110 114 126 157 210 144 125 215 Other meats........................... 84 106 49 86 104 87 96 104 103 110 Poultry............................... 105 63 74 107 96 106 132 221 112 181 Fish and seafood...................... 74 78 34 64 75 87 145 92 108 121 Eggs.................................. 29 22 24 27 36 30 31 39 31 37 Dairy products......................... 265 191 200 233 275 279 373 343 395 375 Fresh milk and cream.................. 112 98 96 105 112 120 142 121 130 135 Other dairy products.................. 154 94 105 128 164 160 231 221 265 240 Fruits and vegetables.................. 443 333 303 396 433 484 618 650 687 723 Fresh fruits.......................... 148 99 107 131 139 156 228 234 195 248 Fresh vegetables...................... 131 90 90 117 133 152 180 171 181 213 Processed fruits...................... 94 87 60 77 99 103 120 144 153 168 Processed vegetables.................. 71 57 45 72 63 73 91 101 159 94 Other food at home..................... 700 456 438 590 719 848 992 1,055 1,051 1,136 Sugar and other sweets................ 106 65 72 101 95 127 144 151 172 151 Fats and oils......................... 81 55 69 74 81 88 94 94 111 112 Miscellaneous foods................... 287 195 170 234 309 339 421 451 426 503 Nonalcoholic beverages................ 189 122 117 155 208 241 263 271 283 268 Food prep. by cu, out-of-town trips... 37 20 11 26 26 53 70 88 60 102 Food away from home..................... 1,079 408 404 724 951 1,269 1,841 1,801 2,763 3,489 Alcoholic beverages...................... 175 74 61 108 148 256 275 277 412 560 Housing.................................. 7,605 5,152 4,682 6,288 6,859 8,442 10,587 10,504 16,084 16,209 Shelter................................. 3,693 2,795 2,382 3,084 3,380 4,050 5,325 5,324 5,956 8,388 Owned dwellings........................ 2,353 1,544 1,056 2,007 2,176 2,891 3,766 3,287 3,537 6,593 Mortgage interest and charges......... 449 309 184 226 342 515 982 724 719 1,918 Property taxes........................ 1,010 831 445 845 1,012 1,266 1,648 1,263 1,535 2,470 Maintenance, rep., ins., oth. exp..... 893 404 427 937 822 1,109 1,136 1,300 1,284 2,206 Rented dwellings....................... 965 978 1,283 886 823 697 1,054 1,220 1,277 172 Other lodging.......................... 376 272 43 191 381 462 505 817 1,141 1,622 Utilities, fuels, and public services... 1,999 1,586 1,424 1,909 2,045 2,232 2,489 2,471 2,812 3,073 Natural gas............................ 294 218 217 277 346 333 320 367 324 440 Electricity............................ 792 643 563 758 764 921 1,047 932 1,117 1,157 Fuel oil and other fuels............... 137 106 111 124 153 160 169 169 184 92 Telephone.............................. 510 430 371 477 515 523 627 668 775 880 Water and other public services........ 266 189 162 273 267 294 325 335 412 504 Household operations.................... 446 237 218 356 325 480 793 443 1,013 1,706 Personal services...................... 88 3 56 78 37 89 308 69 89 208 Other household expenses............... 359 233 162 278 288 391 485 375 925 1,498 Housekeeping supplies................... 448 192 261 347 409 579 754 764 669 865 Laundry and cleaning supplies.......... 99 73 46 67 107 155 140 169 148 166 Other household products............... 200 86 140 139 173 271 333 311 228 453 Postage and stationery................. 149 33 76 141 129 154 280 284 293 246 Household furnishings and equipment..... 1,019 343 397 592 700 1,102 1,227 1,501 5,635 2,177 Household textiles..................... 83 15 106 40 76 76 105 164 90 169 Furniture.............................. 160 102 74 90 151 227 297 168 403 379 Floor coverings........................ 244 0 17 47 52 106 54 127 3,896 27 Major appliances....................... 138 56 78 116 92 178 252 142 258 409 Small appliances, misc. housewares..... 66 31 29 41 57 75 124 138 177 141 Miscellaneous household equipment...... 328 139 93 259 271 440 395 762 811 1,053 Apparel and services..................... 931 582 467 519 913 1,147 1,436 1,745 1,728 2,827 Men and boys............................ 206 125 71 87 223 307 390 460 318 518 Men, 16 and over....................... 183 123 50 78 210 282 344 409 278 473 Boys, 2 to 15.......................... 22 2 21 9 13 25 46 50 40 45 Women and girls......................... 408 228 227 250 393 467 589 799 789 1,198 Women, 16 and over..................... 379 221 211 235 358 429 529 736 749 1,164 Girls, 2 to 15......................... 29 7 16 15 35 38 60 63 40 34 Children under 2........................ 17 10 5 12 19 20 33 26 36 46 Footwear................................ 152 133 108 84 157 222 211 221 269 151 Other apparel products and services..... 148 86 55 87 121 130 213 240 315 914 Transportation........................... 3,584 1,433 1,259 2,757 3,713 4,578 5,993 5,806 7,215 9,497 Vehicle purchases (net outlay).......... 1,303 206 316 931 1,437 1,894 2,490 2,366 2,443 3,053 Cars and trucks, new................... 695 0 104 505 863 867 1,414 1,732 1,597 1,270 Cars and trucks, used.................. 608 206 211 427 572 1,028 1,076 633 846 1,784 Other vehicles......................... 0 0 0 0 2 0 0 0 0 0 Gasoline and motor oil.................. 616 406 311 528 620 768 945 978 1,032 1,072 Other vehicle expenses.................. 1,271 621 520 1,069 1,283 1,599 1,965 1,847 2,629 3,047 Vehicle finance charges................ 68 33 28 37 54 92 124 197 167 111 Maintenance and repairs................ 463 181 179 444 422 569 785 594 985 1,105 Vehicle insurance...................... 528 357 209 475 592 626 755 794 1,055 1,057 Veh. rent., leas., licen., oth. chges.. 212 50 104 113 215 312 302 262 422 774 Public transportation................... 394 200 113 229 373 317 594 615 1,111 2,325 Health care.............................. 2,695 1,914 1,902 2,483 3,001 3,150 3,024 3,562 3,596 4,136 Health insurance........................ 1,521 904 1,067 1,467 1,740 1,733 1,784 2,111 2,018 1,991 Medical services........................ 531 567 336 423 559 596 548 688 810 1,399 Drugs................................... 558 380 453 516 610 709 581 635 666 617 Medical supplies........................ 85 63 46 78 92 113 111 128 102 128 Entertainment............................ 936 687 348 835 816 975 1,515 1,536 1,985 2,816 Fees and admissions..................... 330 220 60 257 282 306 530 626 826 1,564 Television, radios, sound equipment..... 332 234 180 300 318 362 518 480 639 651 Pets, toys, and playground equipment.... 157 113 84 124 151 184 226 233 284 402 Other supplies, equip., and services.... 118 120 25 154 65 123 240 196 235 199 Personal care products and services...... 342 174 178 304 282 364 614 519 671 814 Reading.................................. 163 92 73 135 158 209 233 279 311 358 Education................................ 147 12 18 55 108 115 496 269 538 693 Tobacco products and smoking supplies.... 135 104 95 109 148 157 211 185 208 119 Miscellaneous............................ 614 508 345 595 666 618 769 900 920 1,341 Cash contributions....................... 1,384 601 358 557 1,040 1,548 1,961 2,410 4,934 7,990 Personal insurance and pensions.......... 996 201 187 313 714 876 1,493 2,074 3,536 7,514 Life and other personal insurance....... 332 151 160 251 322 344 466 370 633 1,475 Pensions and Social Security............ 664 50 27 62 392 532 1,028 1,704 2,902 6,039 Money income before taxes 1/.............. 22,375 (1,987) 7,644 12,287 17,332 24,283 34,671 44,461 57,554 125,274 Wages and salaries....................... 4,277 115 94 514 1,456 2,889 8,659 13,421 16,948 39,594 Self-employment income................... 978 (5,422) 4 105 54 325 415 790 4,300 25,306 Soc. Sec., priv. and gov. retirement..... 14,304 3,013 7,020 10,762 14,346 18,943 21,503 23,678 26,894 35,377 Int., divid., rent. inc., property inc... 2,264 (9) 93 451 997 1,715 3,406 5,732 7,662 23,809 Unemp. and workers' compen., vet. ben.... 162 1 36 82 187 173 267 271 888 381 Pub. ass., supp. sec. inc., foodstamps... 248 276 365 274 157 133 115 89 224 662 Regular contributions for support........ 64 31 10 48 69 27 279 34 315 26 Other income............................. 79 8 20 53 65 77 26 445 323 118 Personal taxes 1/......................... 1,188 784 56 468 476 888 1,409 1,947 4,924 11,657 Federal income taxes..................... 800 572 18 225 243 495 806 1,351 3,791 8,903 State and local income taxes............. 180 150 5 113 69 117 189 254 694 1,756 Other taxes.............................. 209 62 33 130 165 276 413 342 439 998 Income after taxes 1/..................... 21,187 (2,770) 7,587 11,819 16,855 23,395 33,262 42,514 52,630 113,617 Net change in total assets and liabilities 283 975 (1,156) (32) (811) 1,611 6,442 (3,571) 2,557 (1,245) Net change in total assets............... 531 609 (676) 337 (1,013) 1,347 8,200 (1,722) 2,214 (3,114) Net change in total liabilities.......... 248 (366) 479 369 (202) (264) 1,759 1,848 (343) (1,869) Other money receipts...................... 665 35 328 189 379 1,576 476 248 219 4,870 Mortgage principal paid, owned property... (472) (344) (125) (177) (262) (422) (931) (862) (654) (3,796) Estimated market value of owned home...... 81,675 64,273 38,518 72,445 77,925 92,991 108,300 101,080 132,481 264,456 Est. monthly rental value of owned home... 525 412 295 485 529 622 674 667 751 1,191 Gifts of goods and services............... 855 669 425 544 821 810 1,234 1,784 1,876 2,750 Food.................................... 65 63 18 29 60 41 168 53 232 301 Housing................................. 212 120 145 131 151 202 414 402 565 424 Housekeeping supplies................. 38 7 20 21 26 52 97 59 73 85 Household textiles.................... 20 0 47 1 14 13 10 38 24 40 Appliances and misc. housewares....... 26 4 8 12 19 29 66 86 76 42 Major appliances.................... 7 0 3 4 6 16 9 22 2 3 Small appl. and misc. housewares.... 19 4 5 8 14 13 57 65 74 39 Miscellaneous household equipment..... 58 9 11 81 45 77 81 107 138 75 Other housing......................... 69 99 59 16 47 31 161 113 255 183 Apparel and services.................... 179 67 67 88 168 232 319 387 305 648 Males 2 and over...................... 52 40 22 20 56 69 114 99 101 115 Females 2 and over.................... 71 13 22 41 59 114 103 186 135 190 Children under 2...................... 16 7 5 12 17 20 32 25 31 43 Other apparel products and services... 39 6 19 14 35 30 70 77 37 300 Jewelry and watches................. 22 6 2 11 14 14 26 38 23 253 All other apparel products and serv. 18 0 17 4 21 15 44 40 14 47 Transportation.......................... 49 33 20 31 47 75 46 74 69 208 Health care............................. 53 246 48 54 67 33 7 8 9 61 Entertainment........................... 68 22 27 47 70 68 94 199 168 153 Toys, games, hobbies, and tricycles... 25 5 9 16 28 33 36 46 45 91 Other entertainment................... 43 17 18 31 42 35 59 153 123 61 Education............................... 65 3 4 31 70 60 54 165 249 448 All other gifts......................... 163 117 96 133 189 98 131 495 277 507 __________________________________________ 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.