Table 29. Consumer units with reference person age 55 to 64 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _______________________________________________________________________________________________________________________________________ | | Complete reporting of income |___________________________________________________________________________________________________ Item | | | | | | | | | | | Total | Less | $5,000 | $10,000 | $15,000 | $20,000 | $30,000 | $40,000 | $50,000 | $70,000 | complete| than | to | to | to | to | to | to | to | and |reporting| $5,000 | $9,999 | $14,999 | $19,999 | $29,999 | $39,999 | $49,999 | $69,999 | over ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | | | Number of consumer units (in | | | | | | | | | | thousands)......................| 9,241 | 520 | 948 | 783 | 699 | 1,441 | 1,136 | 1,008 | 1,204 | 1,501 Income before taxes(1).............| $41,168 | $1,694 | $7,768 | $12,397 | $17,386 | $24,890 | $34,553 | $44,576 | $58,650 |$106,341 Income after taxes(1)..............| 37,636 | 1,306 | 7,612 | 12,160 | 16,684 | 23,748 | 32,288 | 40,762 | 53,913 | 94,450 Age of reference person............| 59.3 | 59.5 | 60.1 | 59.6 | 59.9 | 59.7 | 58.8 | 59.2 | 58.8 | 58.8 Average number in consumer unit: | | | | | | | | | | Persons...........................| 2.3 | 2.0 | 1.7 | 2.1 | 2.4 | 2.2 | 2.4 | 2.4 | 2.5 | 2.7 Children under 18.................| .2 | .2 | .1 | .3 | .4 | .3 | .2 | .2 | .2 | .2 Persons 65 and over...............| .1 | (2).1 | (2).1 | (2).1 | .1 | .1 | .1 | .1 | .1 | .1 Earners...........................| 1.4 | .7 | .5 | .8 | 1.2 | 1.2 | 1.6 | 1.7 | 1.9 | 2.1 Vehicles..........................| 2.3 | 1.8 | 1.2 | 1.6 | 1.9 | 2.1 | 2.5 | 2.4 | 2.9 | 3.3 Percent distribution: | | | | | | | | | | Male..............................| 63 | 44 | 34 | 44 | 55 | 58 | 70 | 71 | 76 | 84 Female............................| 37 | 56 | 66 | 56 | 45 | 42 | 30 | 29 | 24 | 16 Percent homeowner.................| 79 | 65 | 52 | 70 | 75 | 73 | 84 | 87 | 89 | 95 With mortgage....................| 40 | 23 | 18 | 24 | 30 | 28 | 44 | 50 | 56 | 60 Without mortgage.................| 39 | 42 | 34 | 46 | 44 | 46 | 40 | 37 | 33 | 35 Renter............................| 21 | 35 | 48 | 30 | 25 | 27 | 16 | 13 | 11 | 5 Black.............................| 11 | 21 | 23 | 17 | 12 | 9 | 6 | 8 | 8 | 4 White and other...................| 89 | 79 | 77 | 83 | 88 | 91 | 94 | 92 | 92 | 96 Elementary (1-8)..................| 10 | 14 | 28 | 18 | 8 | 10 | 11 | 5 | 3 | 1 High school (9-12)................| 43 | 54 | 50 | 52 | 54 | 48 | 42 | 46 | 35 | 22 College...........................| 47 | 31 | 20 | 29 | 38 | 41 | 47 | 48 | 61 | 76 Never attended and other..........| 1 | 1 | 1 | 2 | (3)| 1 | 1 | (3)| (3)| (3) At least one vehicle owned........| 89 | 70 | 67 | 86 | 91 | 93 | 94 | 91 | 97 | 98 Average annual expenditures........| $38,407 | $22,320 | $16,170 | $20,073 | $25,952 | $27,332 | $34,618 | $43,405 | $48,158 | $74,405 Food..............................| 5,323 | 3,965 | 2,941 | 3,128 | 4,002 | 4,069 | 4,822 | 6,229 | 6,215 | 8,716 Food at home.....................| 3,250 | 2,923 | 2,290 | 2,426 | 2,944 | 2,805 | 3,032 | 3,702 | 3,586 | 4,324 Cereals and bakery products.....| 486 | 375 | 313 | 375 | 464 | 394 | 471 | 543 | 533 | 664 Cereals and cereal products....| 157 | 120 | 103 | 168 | 166 | 124 | 145 | 160 | 171 | 201 Bakery products................| 329 | 255 | 210 | 207 | 298 | 271 | 325 | 383 | 362 | 463 Meats, poultry, fish, and eggs..| 848 | 1,073 | 624 | 721 | 770 | 755 | 767 | 850 | 920 | 1,082 Beef...........................| 242 | 304 | 192 | 211 | 224 | 224 | 209 | 258 | 291 | 276 Pork...........................| 179 | 167 | 147 | 179 | 155 | 156 | 188 | 147 | 183 | 233 Other meats....................| 115 | 98 | 85 | 94 | 97 | 98 | 117 | 121 | 129 | 152 Poultry........................| 162 | 214 | 104 | 156 | 153 | 121 | 137 | 191 | 172 | 211 Fish and seafood...............| 109 | 247 | 59 | 50 | 107 | 114 | 77 | 100 | 98 | 168 Eggs...........................| 39 | 43 | 38 | 33 | 35 | 42 | 39 | 33 | 47 | 43 Dairy products..................| 339 | 284 | 221 | 241 | 313 | 302 | 335 | 409 | 378 | 428 Fresh milk and cream...........| 129 | 107 | 97 | 108 | 133 | 132 | 126 | 148 | 139 | 140 Other dairy products...........| 210 | 177 | 125 | 133 | 180 | 170 | 209 | 261 | 239 | 289 Fruits and vegetables...........| 557 | 463 | 417 | 394 | 532 | 468 | 491 | 656 | 556 | 781 Fresh fruits...................| 180 | 142 | 99 | 135 | 162 | 161 | 154 | 204 | 196 | 262 Fresh vegetables...............| 177 | 155 | 143 | 117 | 174 | 141 | 155 | 205 | 155 | 264 Processed fruits...............| 115 | 92 | 97 | 90 | 114 | 91 | 94 | 143 | 119 | 153 Processed vegetables...........| 85 | 74 | 78 | 53 | 82 | 75 | 88 | 103 | 86 | 102 Other food at home..............| 1,021 | 729 | 714 | 695 | 865 | 885 | 968 | 1,245 | 1,199 | 1,369 Sugar and other sweets.........| 137 | 82 | 112 | 94 | 108 | 140 | 124 | 144 | 178 | 173 Fats and oils..................| 101 | 111 | 86 | 86 | 109 | 88 | 105 | 94 | 105 | 113 Miscellaneous foods............| 429 | 276 | 295 | 283 | 357 | 355 | 391 | 602 | 514 | 559 Nonalcoholic beverages.........| 286 | 226 | 206 | 212 | 252 | 261 | 291 | 325 | 316 | 363 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 67 | 33 | 15 | (2)19 | 39 | 41 | 56 | 80 | 86 | 162 Food away from home..............| 2,073 | 1,041 | 651 | 702 | 1,058 | 1,264 | 1,790 | 2,527 | 2,629 | 4,392 Alcoholic beverages...............| 372 | 308 | 147 | 106 | 145 | 235 | 330 | 494 | 461 | 750 Housing...........................| 11,204 | 7,804 | 5,674 | 7,472 | 8,910 | 8,207 | 10,082 | 11,949 | 13,118 | 20,394 Shelter..........................| 5,855 | 3,728 | 2,946 | 3,890 | 4,428 | 4,030 | 5,231 | 6,374 | 6,911 | 11,145 Owned dwellings.................| 4,058 | 2,206 | 1,291 | 2,146 | 2,764 | 2,222 | 3,747 | 4,849 | 5,271 | 8,542 Mortgage interest and charges..| 1,905 | 794 | 440 | 872 | 996 | 865 | 1,673 | 2,400 | 2,517 | 4,529 Property taxes.................| 1,179 | 879 | 423 | 588 | 907 | 729 | 1,020 | 1,340 | 1,530 | 2,357 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 974 | 534 | 428 | 685 | 861 | 628 | 1,054 | 1,109 | 1,224 | 1,657 Rented dwellings................| 1,183 | 1,355 | 1,580 | 1,574 | 1,466 | 1,620 | 1,065 | 933 | 854 | 641 Other lodging...................| 613 | 167 | 75 | 170 | 197 | 188 | 419 | 593 | 787 | 1,962 Utilities, fuels, and public | | | | | | | | | | services......................| 2,691 | 2,212 | 1,767 | 2,200 | 2,568 | 2,303 | 2,711 | 2,839 | 3,026 | 3,742 Natural gas.....................| 343 | 240 | 181 | 248 | 307 | 311 | 344 | 396 | 378 | 515 Electricity.....................| 1,020 | 890 | 712 | 872 | 978 | 890 | 1,038 | 1,041 | 1,166 | 1,336 Fuel oil and other fuels........| 135 | (2)115 | 103 | 116 | 167 | 121 | 171 | 148 | 121 | 148 Telephone services..............| 849 | 674 | 558 | 731 | 786 | 715 | 818 | 888 | 949 | 1,229 Water and other public services.| 343 | 294 | 213 | 233 | 330 | 265 | 340 | 365 | 413 | 515 Household operations.............| 406 | 318 | 95 | 156 | 200 | 403 | 190 | 362 | 413 | 1,044 Personal services...............| 83 | (2)125 | (2)0 | (2)15 | (2)1 | (2)278 | (2)20 | (2)40 | (2)45 | 115 Other household expenses........| 323 | 193 | 94 | 141 | 199 | 125 | 170 | 321 | 368 | 929 Housekeeping supplies............| 611 | 641 | 231 | 337 | 673 | 417 | 571 | 777 | 868 | 788 Laundry and cleaning supplies...| 139 | 110 | 81 | 96 | 116 | 119 | 136 | 193 | 146 | 187 Other household products........| 284 | 443 | 101 | 131 | 212 | 191 | 283 | 350 | 488 | 350 Postage and stationery..........| 188 | 88 | 49 | 110 | 346 | 107 | 153 | 233 | 234 | 251 Household furnishings and | | | | | | | | | | equipment.....................| 1,642 | 904 | 635 | 890 | 1,041 | 1,055 | 1,378 | 1,598 | 1,900 | 3,674 Household textiles..............| 97 | 62 | 25 | 56 | 56 | 55 | 73 | 92 | 113 | 246 Furniture.......................| 369 | 127 | 113 | 137 | 191 | 256 | 292 | 324 | 523 | 890 Floor coverings.................| 77 | (2)17 | (2)9 | (2)27 | (2)79 | (2)11 | (2)148 | (2)38 | (2)68 | 189 Major appliances................| 234 | 213 | 68 | 175 | 160 | 143 | 303 | 243 | 214 | 457 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 127 | 48 | 34 | 60 | 85 | 70 | 81 | 102 | 144 | 331 Miscellaneous household | | | | | | | | | | equipment....................| 737 | 436 | 387 | 436 | 470 | 520 | 481 | 798 | 839 | 1,561 Apparel and services..............| 1,675 | 1,127 | 643 | 1,007 | 872 | 1,230 | 1,302 | 1,650 | 2,367 | 3,187 Men and boys.....................| 377 | 250 | 87 | 265 | 213 | 242 | 319 | 439 | 621 | 646 Men, 16 and over................| 328 | 242 | (2)52 | 182 | 189 | 182 | 274 | 401 | 555 | 590 Boys, 2 to 15...................| 49 | (2)7 | 35 | 83 | 24 | 60 | 45 | 38 | 66 | 56 Women and girls..................| 722 | 528 | 295 | 368 | 312 | 536 | 512 | 727 | 881 | 1,525 Women, 16 and over..............| 658 | 511 | 272 | 333 | 259 | 501 | 478 | 686 | 804 | 1,363 Girls, 2 to 15..................| 65 | 17 | (2)23 | 36 | 53 | 35 | 34 | 42 | 77 | 161 Children under 2.................| 52 | (2)5 | (2)25 | (2)26 | (2)58 | 33 | 41 | 159 | 32 | 62 Footwear.........................| 293 | (2)132 | (2)193 | 258 | 178 | 216 | 193 | 215 | 492 | 488 Other apparel products and | | | | | | | | | | services......................| 231 | 213 | 42 | 91 | 111 | 204 | 236 | 110 | 341 | 467 Transportation....................| 7,242 | 4,327 | 3,178 | 3,132 | 4,871 | 5,598 | 7,271 | 7,870 | 8,453 | 14,210 Vehicle purchases (net outlay)...| 3,035 |(2)2,212 |(2)1,637 | (2)683 |(2)1,832 | 2,662 | 3,322 | 3,292 | 2,861 | 6,097 Cars and trucks, new............| 1,393 | (2)239 | (2)340 | (4)| (2)905 | 1,265 |(2)1,274 | 1,330 | 1,412 | 3,652 Cars and trucks, used...........| 1,634 | 1,974 | 1,297 | (2)683 | 927 | 1,397 | 2,049 | 1,961 | 1,449 | 2,399 Other vehicles..................| (2)8 | (4)| (4)| (2)0 | (4)| (4)| (4)| (4)| (4)| (2)47 Gasoline and motor oil...........| 1,222 | 824 | 573 | 780 | 973 | 1,041 | 1,306 | 1,376 | 1,522 | 1,880 Other vehicle expenses...........| 2,442 | 1,140 | 797 | 1,323 | 1,771 | 1,648 | 2,277 | 2,716 | 3,297 | 4,822 Vehicle finance charges.........| 292 | 171 | 75 | 123 | 264 | 218 | 303 | 347 | 395 | 514 Maintenance and repairs.........| 779 | 317 | 264 | 580 | 588 | 578 | 766 | 835 | 948 | 1,475 Vehicle insurance...............| 851 | 403 | 300 | 454 | 689 | 643 | 888 | 880 | 1,165 | 1,540 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 520 | 249 | 158 | 167 | 230 | 209 | 320 | 654 | 790 | 1,294 Public transportation............| 544 | 150 | 170 | 346 | 296 | 246 | 365 | 487 | 773 | 1,411 Health care.......................| 2,220 | 1,444 | 1,181 | 1,767 | 2,027 | 2,043 | 1,970 | 2,634 | 2,768 | 3,101 Health insurance.................| 963 | 495 | 446 | 839 | 959 | 847 | 925 | 990 | 1,357 | 1,325 Medical services.................| 694 | 624 | 369 | 476 | 577 | 541 | 484 | 1,038 | 803 | 1,078 Drugs............................| 428 | 261 | 292 | 393 | 378 | 542 | 409 | 424 | 477 | 474 Medical supplies.................| 136 | (2)64 | 74 | 59 | 112 | 114 | 152 | 182 | 132 | 225 Entertainment.....................| 2,006 | 1,086 | 617 | 895 | 1,221 | 1,066 | 1,704 | 3,493 | 2,347 | 3,911 Fees and admissions..............| 476 | 221 | 77 | 223 | 197 | 195 | 420 | 517 | 724 | 1,167 Television, radios, sound | | | | | | | | | | equipment.....................| 574 | 269 | 263 | 313 | 503 | 414 | 525 | 720 | 727 | 993 Pets, toys, and playground | | | | | | | | | | equipment.....................| 378 | 358 | 100 | 290 | 230 | 263 | 409 | 288 | 459 | 697 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 578 | 240 | 178 | 68 | 291 | 193 | 351 | 1,968 | 436 | 1,055 Personal care products and | | | | | | | | | | services.......................| 558 | 253 | 226 | 391 | 474 | 417 | 541 | 578 | 743 | 935 Reading...........................| 206 | 103 | 68 | 93 | 146 | 156 | 183 | 208 | 293 | 412 Education.........................| 391 | (2)111 | (2)43 | (2)113 | (2)266 | 101 | 311 | 457 | 704 | 947 Tobacco products and smoking | | | | | | | | | | supplies.......................| 305 | 295 | 261 | 313 | 285 | 305 | 363 | 318 | 324 | 271 Miscellaneous.....................| 1,106 | 606 | 596 | 390 | 934 | 1,225 | 1,038 | 1,415 | 1,372 | 1,501 Cash contributions................| 1,455 | 555 | 109 | 472 | 278 | 535 | 1,228 | 1,435 | 2,055 | 4,265 Personal insurance and pensions...| 4,344 | 334 | 485 | 793 | 1,520 | 2,146 | 3,474 | 4,674 | 6,936 | 11,803 Life and other personal insurance| 558 | 204 | 215 | 330 | 380 | 433 | 498 | 468 | 716 | 1,197 Pensions and Social Security.....| 3,786 | 130 | 270 | 463 | 1,140 | 1,713 | 2,976 | 4,206 | 6,221 | 10,606 Money income before taxes.........| 41,168 | 1,694 | 7,768 | 12,397 | 17,386 | 24,890 | 34,553 | 44,576 | 58,650 | 106,341 Wages and salaries...............| 30,380 | 1,145 | 1,646 | 4,693 | 9,044 | 16,041 | 25,021 | 32,240 | 45,214 | 86,661 Self-employment income(1)........| 2,064 | -972 | (2)118 | 329 | 930 | 1,069 | 1,465 | 2,498 | 3,930 | 5,398 Social Security, private and | | | | | | | | | | government retireme...........| 6,554 | 648 | 4,367 | 5,524 | 5,834 | 6,337 | 6,887 | 7,678 | 7,489 | 9,307 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 1,180 | 132 | 76 | 230 | 380 | 380 | 580 | 1,392 | 1,406 | 4,005 Unemployment and workers.........| 299 | (2)56 | 263 | (2)312 | 356 | 305 | (2)117 | 377 | 266 | 480 Public assistance, supplemental | | | | | | | | | | security income,..............| 451 | 524 | 1,126 | 1,106 | 596 | 501 | 315 | (2)181 | (2)170 | (2)51 Regular contributions for support| 110 | (2)73 | (2)21 | (2)112 | (2)85 | (2)75 | (2)70 | (2)132 | (2)84 | (2)258 Other income.....................| 130 | (2)89 | 150 | (2)91 | (2)160 | 181 | 96 | (2)79 | (2)90 | 182 Personal taxes....................| 3,533 | 388 | 156 | 237 | 701 | 1,142 | 2,265 | 3,815 | 4,737 | 11,891 Federal income taxes.............| 2,693 | 232 | 46 | 126 | 470 | 791 | 1,632 | 2,799 | 3,580 | 9,438 State and local income taxes(1)..| 666 | 97 | 20 | 37 | 130 | 215 | 410 | 790 | 937 | 2,172 Other taxes......................| 174 | (2)59 | 90 | 74 | 101 | 135 | 223 | 225 | 219 | 282 Income after taxes................| 37,636 | 1,306 | 7,612 | 12,160 | 16,684 | 23,748 | 32,288 | 40,762 | 53,913 | 94,450 Net change in total assets and | | | | | | | | | | liabilities....................| -1,150 | 3,796 | 794 | -29 | 1,999 | -3,928 | -4,644 | 1,485 | -738 | -2,930 Net change in total assets(1)....| 2,783 | 4,642 | 2,259 | 860 | 5,118 | 901 | -3,302 | 6,594 | 2,731 | 6,278 Net change in total liabilities..| 3,933 | 846 | 1,465 | 889 | 3,120 | 4,828 | 1,342 | 5,110 | 3,469 | 9,208 Other money receipts..............| 600 | (2)375 | (2)327 | (2)175 | (2)324 | 230 | 263 | 844 | 281 | 1,902 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,361 | -935 | -538 | -523 | -676 | -657 | -1,174 | -1,632 | -1,727 | -3,126 Estimated market value of owned | | | | | | | | | | home...........................| 97,629 | 75,598 | 33,393 | 57,368 | 76,384 | 73,860 | 89,864 | 106,369 | 114,075 | 186,356 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 652 | 415 | 265 | 420 | 526 | 490 | 614 | 749 | 783 | 1,170 Gifts of goods and services.......| 1,540 | 781 | 532 | 717 | 746 | 975 | 1,310 | 1,665 | 2,038 | 3,392 Food.............................| 79 | (2)22 | (2)17 | 35 | 37 | 49 | 59 | 96 | 124 | 176 Housing..........................| 370 | 197 | 194 | 211 | 171 | 210 | 194 | 430 | 350 | 948 Housekeeping supplies...........| 52 | (2)22 | (2)14 | 44 | 24 | 30 | 33 | 88 | 53 | 103 Household textiles..............| 15 | (2)5 | (2)2 | (2)2 | (2)7 | 6 | 6 | 19 | 24 | 45 Appliances and miscellaneous | | | | | | | | | | housewares...................| 56 | (2)18 | (2)13 | (2)22 | (2)27 | (2)21 | (2)33 | 43 | 59 | 164 Major appliances...............| 13 | (4)| (2)9 | (2)8 | (2)5 | (2)6 | (2)12 | 22 | 17 | 23 Small appliances and | | | | | | | | | | miscellaneous housewares....| 43 | (2)18 | (2)4 | (2)14 | (2)22 | (2)15 | (2)21 | 20 | 41 | 141 Miscellaneous household | | | | | | | | | | equipment....................| 116 | 98 | 90 | 54 | 35 | 108 | 61 | 154 | 94 | 250 Other housing...................| 131 | (2)53 | 76 | 90 | 78 | 45 | 61 | 127 | 122 | 385 Apparel and services.............| 386 | 332 | 141 | 197 | 206 | 255 | 368 | 450 | 607 | 635 Males, 2 and over...............| 95 | 184 | (2)38 | 45 | 48 | 68 | 90 | 90 | 166 | 136 Females, 2 and over.............| 140 | 64 | 63 | 64 | 52 | 102 | 137 | 135 | 172 | 286 Children under 2................| 50 | (2)5 | (2)25 | (2)21 | (2)55 | 33 | 41 | 159 | 21 | 60 Other apparel products and | | | | | | | | | | services.....................| 101 | (2)78 | (2)14 | (2)66 | (2)50 | (2)53 | (2)99 | (2)66 | (2)248 | 153 Jewelry and watches............| 47 | (2)27 | (4)| (2)13 | (2)11 | (2)7 | (2)52 | (2)4 | (2)145 | (2)93 All other apparel products and | | | | | | | | | | services....................| 55 | (2)51 | (2)14 | (2)54 | (2)40 | (2)46 | (2)48 | (2)61 | (2)103 | (2)60 Transportation...................| 84 | 61 | 15 | 8 | 20 | 67 | 57 | 46 | 104 | 253 Health care......................| 42 | (2)31 | (2)16 | (2)4 | (2)14 | (2)32 | (2)26 | (2)42 | (2)56 | 107 Entertainment....................| 167 | (2)77 | (2)51 | 101 | 103 | 96 | 182 | 175 | 268 | 296 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 76 | (2)14 | (2)18 | (2)82 | (2)66 | (2)66 | (2)79 | (2)96 | (2)84 | 106 Other entertainment.............| 91 | 63 | 33 | 19 | 38 | 30 | 103 | 79 | 185 | 191 Education........................| 158 | (2)3 | (2)17 | (2)27 | (2)133 | (2)29 | (2)127 | (2)245 | 275 | 379 All other gifts..................| 253 | 60 | 81 | 135 | 62 | 236 | 297 | 180 | 254 | 598 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Data are likely to have large sampling errors. 3 Value less than 0.5. 4 No data reported.