Table 39. Consumer units of four persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 _____________________________________________________________________________________________________________________________ | | Complete reporting of income |_________________________________________________________________________________________ | | | | | | | | | | Total | Less | $10,000 | $15,000 | $20,000 | $30,000 | $40,000 | $50,000 | $70,000 | complete| than | to | to | to | to | to | to | and |reporting| $10,000 | $14,999 | $19,999 | $29,999 | $39,999 | $49,999 | $69,999 | over ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ | | | | | | | | | Number of consumer units (in | | | | | | | | | thousands)......................| 12,156 | 833 | 789 | 739 | 1,365 | 1,488 | 1,412 | 2,601 | 2,931 Income before taxes(1).............| $52,764 | $5,558 | $12,453 | $17,453 | $25,051 | $35,246 | $44,582 | $58,351 |$106,718 Income after taxes(1)..............| 48,711 | 5,587 | 12,904 | 17,450 | 24,230 | 33,020 | 41,017 | 53,985 | 96,880 Age of reference person............| 40.6 | 38.5 | 38.9 | 37.6 | 40.1 | 38.8 | 39.8 | 40.8 | 43.9 Average number in consumer unit: | | | | | | | | | Persons...........................| 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 Children under 18.................| 1.7 | 2.0 | 2.0 | 1.9 | 1.7 | 1.6 | 1.7 | 1.6 | 1.5 Persons 65 and over...............| .1 | (2).1 | .1 | (2).1 | .1 | (3)| .1 | .1 | .1 Earners...........................| 2.0 | 1.2 | 1.2 | 1.5 | 1.8 | 2.1 | 2.1 | 2.2 | 2.4 Vehicles..........................| 2.5 | 1.5 | 1.4 | 1.9 | 2.2 | 2.6 | 2.7 | 3.0 | 2.9 Percent distribution: | | | | | | | | | Male..............................| 69 | 33 | 40 | 54 | 69 | 72 | 80 | 78 | 78 Female............................| 31 | 67 | 60 | 46 | 31 | 28 | 20 | 22 | 22 Percent homeowner.................| 73 | 38 | 42 | 44 | 56 | 68 | 78 | 88 | 94 With mortgage....................| 59 | 22 | 27 | 29 | 39 | 51 | 65 | 77 | 82 Without mortgage.................| 14 | 16 | 15 | 15 | 18 | 17 | 14 | 11 | 12 Renter............................| 27 | 62 | 58 | 56 | 44 | 32 | 22 | 12 | 6 Black.............................| 12 | 32 | 31 | 17 | 14 | 9 | 7 | 9 | 6 White and other...................| 88 | 68 | 69 | 83 | 86 | 91 | 93 | 91 | 94 Elementary (1-8)..................| 6 | 14 | 18 | 10 | 9 | 6 | 4 | 2 | 1 High school (9-12)................| 41 | 64 | 57 | 58 | 54 | 51 | 45 | 34 | 19 College...........................| 53 | 21 | 25 | 31 | 36 | 43 | 51 | 64 | 80 Never attended and other..........| (4)| 1 | (5)| 1 | (4)| (5)| (5)| (5)| (5) At least one vehicle owned........| 92 | 63 | 71 | 88 | 93 | 96 | 97 | 98 | 97 Average annual expenditures........| $46,543 | $23,959 | $21,604 | $24,610 | $30,281 | $38,576 | $43,486 | $50,099 | $74,702 Food..............................| 6,693 | 4,829 | 4,607 | 4,560 | 4,899 | 6,148 | 6,669 | 7,167 | 8,874 Food at home.....................| 4,191 | 3,741 | 3,280 | 3,364 | 3,485 | 4,022 | 4,185 | 4,287 | 5,040 Cereals and bakery products.....| 683 | 514 | 521 | 456 | 545 | 663 | 658 | 732 | 857 Cereals and cereal products....| 254 | 225 | 250 | 178 | 232 | 269 | 226 | 251 | 300 Bakery products................| 429 | 289 | 271 | 278 | 313 | 394 | 433 | 481 | 557 Meats, poultry, fish, and eggs..| 1,076 | 1,078 | 990 | 1,049 | 1,032 | 1,096 | 1,003 | 1,077 | 1,153 Beef...........................| 327 | 304 | 274 | 308 | 317 | 349 | 314 | 347 | 333 Pork...........................| 224 | 247 | 288 | 229 | 219 | 226 | 216 | 224 | 210 Other meats....................| 141 | 139 | 112 | 110 | 129 | 139 | 142 | 149 | 156 Poultry........................| 216 | 238 | 173 | 243 | 187 | 211 | 195 | 212 | 246 Fish and seafood...............| 125 | 113 | 98 | 119 | 133 | 117 | 93 | 107 | 169 Eggs...........................| 43 | 37 | 46 | 40 | 47 | 54 | 42 | 38 | 39 Dairy products..................| 476 | 353 | 327 | 340 | 387 | 478 | 502 | 488 | 581 Fresh milk and cream...........| 203 | 163 | 185 | 156 | 189 | 217 | 230 | 205 | 206 Other dairy products...........| 273 | 190 | 142 | 185 | 197 | 261 | 272 | 283 | 374 Fruits and vegetables...........| 643 | 607 | 526 | 565 | 508 | 554 | 609 | 636 | 835 Fresh fruits...................| 192 | 173 | 159 | 162 | 143 | 163 | 177 | 188 | 263 Fresh vegetables...............| 180 | 174 | 183 | 153 | 156 | 160 | 148 | 176 | 233 Processed fruits...............| 155 | 133 | 96 | 150 | 122 | 126 | 161 | 156 | 201 Processed vegetables...........| 115 | 127 | 87 | 100 | 87 | 106 | 122 | 116 | 138 Other food at home..............| 1,313 | 1,189 | 915 | 954 | 1,013 | 1,232 | 1,413 | 1,354 | 1,614 Sugar and other sweets.........| 165 | 148 | 114 | 115 | 125 | 174 | 184 | 162 | 198 Fats and oils..................| 111 | 104 | 83 | 108 | 108 | 115 | 107 | 106 | 125 Miscellaneous foods............| 614 | 624 | 417 | 459 | 458 | 534 | 665 | 636 | 763 Nonalcoholic beverages.........| 352 | 289 | 288 | 238 | 289 | 356 | 364 | 376 | 409 Food prepared by consumer unit | | | | | | | | | on out-of-town tr...........| 70 | 25 | (2)14 | 34 | 33 | 53 | 92 | 75 | 119 Food away from home..............| 2,501 | 1,088 | 1,327 | 1,195 | 1,415 | 2,125 | 2,484 | 2,880 | 3,834 Alcoholic beverages...............| 307 | 65 | 73 | 159 | 170 | 219 | 301 | 299 | 566 Housing...........................| 14,193 | 8,159 | 7,766 | 8,678 | 9,547 | 11,112 | 12,448 | 14,918 | 22,908 Shelter..........................| 7,821 | 4,321 | 4,257 | 4,720 | 5,306 | 5,943 | 6,857 | 7,953 | 13,029 Owned dwellings.................| 5,702 | 1,611 | 1,680 | 1,905 | 2,545 | 3,764 | 4,884 | 6,522 | 11,025 Mortgage interest and charges..| 3,700 | 928 | 1,063 | 1,247 | 1,417 | 2,436 | 3,391 | 4,208 | 7,217 Property taxes.................| 1,201 | 432 | 359 | 388 | 612 | 732 | 925 | 1,411 | 2,308 Maintenance, repairs, | | | | | | | | | insurance, other expenses...| 802 | 251 | 258 | 270 | 517 | 595 | 568 | 902 | 1,500 Rented dwellings................| 1,599 | 2,566 | 2,518 | 2,695 | 2,615 | 1,928 | 1,599 | 987 | 704 Other lodging...................| 520 | 143 | (2)59 | 119 | 146 | 251 | 375 | 445 | 1,301 Utilities, fuels, and public | | | | | | | | | services......................| 2,983 | 2,291 | 2,329 | 2,381 | 2,580 | 2,759 | 2,915 | 3,096 | 3,742 Natural gas.....................| 379 | 353 | 309 | 229 | 290 | 370 | 358 | 361 | 515 Electricity.....................| 1,143 | 896 | 881 | 972 | 1,020 | 1,080 | 1,155 | 1,220 | 1,343 Fuel oil and other fuels........| 131 | (2)66 | 69 | 83 | 113 | 122 | 147 | 146 | 168 Telephone services..............| 955 | 762 | 827 | 828 | 870 | 866 | 889 | 964 | 1,185 Water and other public services.| 376 | 215 | 243 | 268 | 287 | 321 | 366 | 406 | 532 Household operations.............| 999 | 345 | 209 | 410 | 390 | 562 | 616 | 1,066 | 2,174 Personal services...............| 687 | 167 | 125 | 356 | 285 | 431 | 490 | 833 | 1,354 Other household expenses........| 311 | 177 | 83 | 54 | 105 | 131 | 127 | 233 | 820 Housekeeping supplies............| 654 | 304 | 244 | 378 | 401 | 506 | 695 | 776 | 954 Laundry and cleaning supplies...| 175 | 96 | 71 | 156 | 151 | 168 | 225 | 177 | 202 Other household products........| 318 | 88 | 121 | 140 | 158 | 236 | 311 | 423 | 490 Postage and stationery..........| 161 | 120 | 52 | 82 | 92 | 102 | 160 | 177 | 262 Household furnishings and | | | | | | | | | equipment.....................| 1,736 | 898 | 727 | 789 | 870 | 1,343 | 1,364 | 2,026 | 3,009 Household textiles..............| 101 | 43 | 32 | 38 | 39 | 72 | 71 | 114 | 198 Furniture.......................| 460 | 91 | 187 | 338 | 231 | 339 | 316 | 472 | 894 Floor coverings.................| 79 | (2)37 | (2)24 | (2)11 | (2)11 | (2)36 | (2)58 | 92 | 171 Major appliances................| 199 | 95 | 62 | 146 | 153 | 215 | 141 | 228 | 296 Small appliances, miscellaneous | | | | | | | | | housewares...................| 145 | 370 | 61 | 28 | 65 | 105 | 62 | 162 | 242 Miscellaneous household | | | | | | | | | equipment....................| 752 | 263 | 360 | 228 | 371 | 575 | 716 | 957 | 1,209 Apparel and services..............| 2,490 | 1,009 | 1,228 | 1,419 | 1,568 | 2,294 | 2,310 | 2,786 | 3,737 Men and boys.....................| 636 | 205 | 335 | 249 | 413 | 601 | 706 | 761 | 868 Men, 16 and over................| 437 | (2)98 | 168 | 123 | 256 | 443 | 475 | 511 | 643 Boys, 2 to 15...................| 199 | 107 | 167 | 126 | 157 | 158 | 232 | 250 | 225 Women and girls..................| 932 | 364 | 238 | 438 | 537 | 761 | 815 | 1,144 | 1,496 Women, 16 and over..............| 672 | 243 | 138 | 250 | 323 | 516 | 560 | 818 | 1,171 Girls, 2 to 15..................| 261 | 121 | 100 | 188 | 214 | 245 | 255 | 326 | 325 Children under 2.................| 154 | 45 | 215 | 174 | 183 | 106 | 176 | 149 | 159 Footwear.........................| 444 | 225 | (2)230 | 378 | 273 | 487 | 416 | 527 | 562 Other apparel products and | | | | | | | | | services......................| 323 | 168 | 209 | 180 | 162 | 338 | 196 | 206 | 651 Transportation....................| 8,830 | 5,783 | 3,755 | 4,479 | 6,569 | 8,577 | 7,733 | 9,505 | 13,273 Vehicle purchases (net outlay)...| 3,859 | 3,581 | 1,612 | 1,782 | 3,115 | 4,470 | 3,074 | 3,946 | 5,402 Cars and trucks, new............| 1,584 | (2)389 | (2)721 | (2)488 |(2)1,002 | 990 | (2)992 | 2,062 | 2,866 Cars and trucks, used...........| 2,233 | 3,192 | 891 | 1,294 | 1,958 | 3,453 | 2,052 | 1,863 | 2,484 Other vehicles..................| 41 | (5)| (5)| (5)| (2)155 | (2)26 | (2)31 | (2)20 | (2)53 Gasoline and motor oil...........| 1,527 | 809 | 831 | 1,049 | 1,223 | 1,451 | 1,630 | 1,807 | 1,921 Other vehicle expenses...........| 3,034 | 1,194 | 1,144 | 1,324 | 2,014 | 2,453 | 2,794 | 3,410 | 5,053 Vehicle finance charges.........| 407 | 155 | 170 | 214 | 273 | 404 | 495 | 526 | 508 Maintenance and repairs.........| 961 | 361 | 393 | 398 | 812 | 756 | 806 | 1,092 | 1,558 Vehicle insurance...............| 974 | 380 | 391 | 536 | 689 | 884 | 977 | 1,106 | 1,469 Vehicle rental, leases, | | | | | | | | | licenses, other charges......| 692 | 298 | 189 | 175 | 240 | 410 | 517 | 686 | 1,518 Public transportation............| 410 | 199 | 168 | 324 | 216 | 203 | 234 | 342 | 897 Health care.......................| 1,936 | 765 | 700 | 1,011 | 1,561 | 1,896 | 2,211 | 2,255 | 2,605 Health insurance.................| 889 | 386 | 342 | 431 | 616 | 950 | 1,090 | 1,096 | 1,110 Medical services.................| 649 | 248 | 153 | 333 | 524 | 568 | 708 | 689 | 1,012 Drugs............................| 280 | 94 | 175 | 215 | 346 | 279 | 303 | 317 | 296 Medical supplies.................| 118 | 37 | 31 | 32 | 75 | 99 | 110 | 153 | 187 Entertainment.....................| 2,674 | 901 | 1,292 | 1,014 | 1,246 | 1,746 | 3,454 | 2,831 | 4,560 Fees and admissions..............| 697 | 143 | 103 | 210 | 240 | 409 | 461 | 736 | 1,577 Television, radios, sound | | | | | | | | | equipment.....................| 761 | 439 | 456 | 485 | 492 | 694 | 763 | 841 | 1,089 Pets, toys, and playground | | | | | | | | | equipment.....................| 469 | 134 | 197 | 193 | 271 | 404 | 432 | 509 | 781 Other entertainment supplies, | | | | | | | | | equipment and serv............| 747 | 185 | 536 | 127 | 243 | 239 | 1,798 | 745 | 1,114 Personal care products and | | | | | | | | | services.......................| 692 | 333 | 338 | 394 | 463 | 549 | 662 | 703 | 1,120 Reading...........................| 184 | 63 | 44 | 55 | 89 | 136 | 148 | 195 | 365 Education.........................| 804 | 224 | 165 | 206 | 328 | 424 | 651 | 898 | 1,693 Tobacco products and smoking | | | | | | | | | supplies.......................| 312 | 294 | 368 | 307 | 400 | 424 | 287 | 288 | 237 Miscellaneous.....................| 889 | 596 | 544 | 528 | 721 | 836 | 1,046 | 933 | 1,134 Cash contributions................| 1,025 | 299 | 58 | 382 | 535 | 758 | 1,097 | 1,099 | 1,919 Personal insurance and pensions...| 5,514 | 639 | 666 | 1,418 | 2,185 | 3,457 | 4,468 | 6,222 | 11,709 Life and other personal insurance| 541 | 150 | 130 | 227 | 292 | 343 | 422 | 630 | 1,035 Pensions and Social Security.....| 4,974 | 488 | 536 | 1,192 | 1,893 | 3,114 | 4,046 | 5,592 | 10,674 Money income before taxes.........| 52,764 | 5,558 | 12,453 | 17,453 | 25,051 | 35,246 | 44,582 | 58,351 | 106,718 Wages and salaries...............| 47,090 | 3,618 | 6,197 | 13,585 | 20,572 | 32,063 | 40,321 | 53,959 | 96,041 Self-employment income(1)........| 2,476 |(2)-1310 | (2)166 | 758 | 1,059 | 1,030 | 1,910 | 1,751 | 6,918 Social Security, private and | | | | | | | | | government retireme...........| 1,453 | 596 | 2,100 | 1,475 | 2,048 | 775 | 1,249 | 1,192 | 1,914 Interest, dividends, rental | | | | | | | | | income, other proper..........| 481 | 54 | (2)78 | (2)93 | 101 | 201 | 273 | 631 | 1,095 Unemployment and workers.........| 291 | (2)78 | (2)347 | 226 | 448 | 306 | 311 | 377 | 188 Public assistance, supplemental | | | | | | | | | security income,..............| 500 | 2,132 | 3,000 | 791 | 445 | 304 | (2)83 | (2)41 | (2)26 Regular contributions for support| 315 | (2)130 | 350 | 395 | 207 | 331 | 282 | 326 | 385 Other income.....................| 158 | 260 | 216 | (2)130 | 171 | 234 | 154 | 75 | 151 Personal taxes....................| 4,053 | -29 | -451 | 3 | 821 | 2,226 | 3,565 | 4,365 | 9,838 Federal income taxes.............| 2,986 | -139 | -473 | -158 | 507 | 1,621 | 2,577 | 3,232 | 7,425 State and local income taxes(1)..| 930 | 8 | 3 | 114 | 253 | 539 | 845 | 1,003 | 2,135 Other taxes......................| 137 | 102 | (2)19 | 46 | 61 | 65 | 143 | 129 | 277 Income after taxes................| 48,711 | 5,587 | 12,904 | 17,450 | 24,230 | 33,020 | 41,017 | 53,985 | 96,880 Net change in total assets and | | | | | | | | | liabilities....................| 145 | -743 | 963 | -2,465 | -981 | -643 | -4,514 | -4,546 | 8,167 Net change in total assets(1)....| 8,539 | 993 | 2,837 | 572 | 4,991 | 7,178 | 5,632 | 3,166 | 22,737 Net change in total liabilities..| 8,394 | 1,735 | 1,874 | 3,037 | 5,971 | 7,821 | 10,146 | 7,712 | 14,570 Other money receipts..............| 561 | (2)11 | (2)222 | (2)63 | 159 | 131 | 189 | 1,514 | 672 Mortgage principal paid on owned | | | | | | | | | property.......................| -1,607 | -452 | -377 | -413 | -719 | -923 | -1,290 | -1,777 | -3,330 Estimated market value of owned | | | | | | | | | home...........................| 91,895 | 27,052 | 28,432 | 34,174 | 40,955 | 59,699 | 75,224 | 102,759 | 180,418 Estimated monthly rental value of | | | | | | | | | owned home.....................| 642 | 252 | 235 | 257 | 328 | 463 | 589 | 741 | 1,136 Gifts of goods and services.......| 1,039 | 492 | 421 | 553 | 497 | 846 | 808 | 1,061 | 1,883 Food.............................| 62 | (2)23 | (2)15 | (2)30 | 37 | 30 | 45 | 63 | 125 Housing..........................| 333 | 153 | 198 | 189 | 197 | 315 | 252 | 344 | 551 Housekeeping supplies...........| 48 | (2)19 | (2)9 | (2)13 | 27 | 29 | 43 | 57 | 85 Household textiles..............| 7 | (2)2 | (2)1 | (2)2 | (2)2 | 6 | 3 | 8 | 13 Appliances and miscellaneous | | | | | | | | | housewares...................| 40 | (2)15 | (2)2 | (2)8 | (2)14 | 46 | (2)15 | 56 | 71 Major appliances...............| 9 | (2)14 | (5)| (2)5 | (2)3 | (2)9 | (2)4 | (2)20 | 5 Small appliances and | | | | | | | | | miscellaneous housewares....| 31 | (2)1 | (2)2 | (2)4 | (2)11 | 37 | (2)11 | 36 | 66 Miscellaneous household | | | | | | | | | equipment....................| 70 | 20 | 42 | (2)42 | 15 | 55 | 77 | 73 | 123 Other housing...................| 169 | 97 | 144 | 124 | 139 | 178 | 115 | 150 | 258 Apparel and services.............| 292 | (2)45 | 115 | 177 | 140 | 264 | 243 | 276 | 537 Males, 2 and over...............| 54 | (2)2 | (2)32 | (2)19 | 25 | 57 | 57 | 41 | 97 Females, 2 and over.............| 82 | (2)7 | (2)25 | (2)62 | 44 | 66 | 75 | 105 | 127 Children under 2................| 56 | (2)12 | (2)58 | (2)28 | 38 | 35 | 73 | 66 | 74 Other apparel products and | | | | | | | | | services.....................| 100 | (2)23 | (2)1 | (2)67 | (2)34 | (2)106 | (2)37 | 64 | 240 Jewelry and watches............| 67 | (2)0 | (2)1 | (2)46 | (2)30 | (2)44 | (2)6 | (2)42 | (2)184 All other apparel products and | | | | | | | | | services....................| 34 | (2)23 | (2)1 | (2)21 | (2)4 | (2)61 | (2)31 | (2)22 | 56 Transportation...................| 34 | 24 | 3 | 4 | 11 | 20 | 38 | 40 | 62 Health care......................| 24 | (2)3 | (2)0 | (2)13 | (2)5 | (2)14 | (2)20 | (2)15 | 64 Entertainment....................| 93 | (2)46 | (2)32 | (2)3 | 44 | 92 | 88 | 104 | 160 Toys, games, hobbies, and | | | | | | | | | tricycles....................| 44 | (2)16 | (2)11 | (5)| (2)23 | (2)40 | (2)38 | 56 | 75 Other entertainment.............| 49 | 31 | 21 | (2)3 | 21 | 53 | 50 | 49 | 85 Education........................| 108 | (2)43 | (2)29 | (2)110 | (2)15 | (2)39 | (2)39 | 144 | 230 All other gifts..................| 92 | 155 | 29 | 26 | 47 | 72 | 84 | 75 | 155 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 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 0.05. 4 Value less than 0.5. 5 No data reported.