Table 36. Consumer units of two or more persons 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)......................| 59,663 | 1,794 | 3,402 | 4,999 | 5,248 | 8,947 | 7,480 | 6,283 | 10,128 | 11,383 Income before taxes(1).............| $46,085 | $1,866 | $7,692 | $12,597 | $17,426 | $24,726 | $34,858 | $44,619 | $58,581 |$106,303 Income after taxes(1)..............| 42,372 | 1,657 | 7,626 | 12,550 | 17,174 | 23,772 | 32,724 | 41,197 | 53,822 | 95,308 Age of reference person............| 46.8 | 44.2 | 47.8 | 50.2 | 51.9 | 49.5 | 45.8 | 44.4 | 43.9 | 45.4 Average number in consumer unit: | | | | | | | | | | Persons...........................| 3.1 | 2.9 | 2.9 | 3.0 | 2.9 | 3.0 | 3.2 | 3.3 | 3.3 | 3.2 Children under 18.................| 1.0 | 1.1 | 1.1 | 1.0 | .9 | .9 | 1.0 | 1.0 | 1.0 | .9 Persons 65 and over...............| .3 | .2 | .4 | .6 | .6 | .5 | .3 | .2 | .1 | .1 Earners...........................| 1.6 | 1.1 | .8 | .9 | 1.1 | 1.4 | 1.7 | 1.9 | 2.1 | 2.2 Vehicles..........................| 2.3 | 1.6 | 1.3 | 1.5 | 1.9 | 2.1 | 2.4 | 2.6 | 2.8 | 2.9 Percent distribution: | | | | | | | | | | Male..............................| 66 | 45 | 36 | 50 | 62 | 65 | 68 | 72 | 74 | 78 Female............................| 34 | 55 | 64 | 50 | 38 | 35 | 32 | 28 | 26 | 22 Percent homeowner.................| 71 | 46 | 45 | 53 | 61 | 64 | 69 | 76 | 82 | 89 With mortgage....................| 46 | 20 | 15 | 20 | 22 | 30 | 42 | 55 | 65 | 73 Without mortgage.................| 25 | 26 | 29 | 33 | 40 | 34 | 27 | 21 | 17 | 16 Renter............................| 29 | 54 | 55 | 47 | 39 | 36 | 31 | 24 | 18 | 11 Black.............................| 12 | 24 | 27 | 22 | 13 | 13 | 10 | 8 | 8 | 6 White and other...................| 88 | 76 | 73 | 78 | 87 | 87 | 90 | 92 | 92 | 94 Elementary (1-8)..................| 7 | 12 | 20 | 17 | 14 | 11 | 6 | 3 | 2 | 1 High school (9-12)................| 41 | 52 | 55 | 55 | 53 | 50 | 44 | 43 | 35 | 20 College...........................| 51 | 34 | 24 | 26 | 33 | 39 | 49 | 53 | 63 | 80 Never attended and other..........| (2)| 1 | 1 | 1 | (2)| (2)| (2)| (2)| (2)| (3) At least one vehicle owned........| 91 | 69 | 70 | 80 | 90 | 92 | 95 | 97 | 97 | 96 Average annual expenditures........| $41,635 | $24,231 | $19,651 | $21,042 | $25,048 | $29,786 | $35,760 | $42,144 | $49,338 | $73,079 Food..............................| 5,775 | 4,000 | 3,643 | 3,898 | 4,218 | 4,640 | 5,429 | 5,923 | 6,543 | 8,334 Food at home.....................| 3,583 | 2,947 | 2,765 | 2,947 | 3,008 | 3,212 | 3,472 | 3,627 | 3,832 | 4,488 Cereals and bakery products.....| 561 | 485 | 410 | 435 | 463 | 485 | 555 | 570 | 602 | 724 Cereals and cereal products....| 205 | 175 | 163 | 187 | 178 | 182 | 212 | 197 | 212 | 251 Bakery products................| 356 | 310 | 247 | 248 | 285 | 302 | 343 | 373 | 390 | 473 Meats, poultry, fish, and eggs..| 923 | 816 | 805 | 879 | 856 | 882 | 886 | 892 | 958 | 1,056 Beef...........................| 275 | 230 | 228 | 263 | 253 | 266 | 266 | 272 | 310 | 293 Pork...........................| 194 | 142 | 192 | 208 | 200 | 196 | 196 | 191 | 193 | 195 Other meats....................| 122 | 109 | 96 | 106 | 105 | 112 | 114 | 123 | 130 | 147 Poultry........................| 181 | 164 | 159 | 166 | 158 | 162 | 174 | 179 | 184 | 220 Fish and seafood...............| 110 | 134 | 90 | 93 | 99 | 102 | 92 | 89 | 103 | 161 Eggs...........................| 41 | 37 | 42 | 43 | 41 | 44 | 45 | 37 | 38 | 40 Dairy products..................| 395 | 320 | 280 | 312 | 309 | 351 | 394 | 410 | 430 | 497 Fresh milk and cream...........| 165 | 140 | 132 | 146 | 139 | 165 | 174 | 177 | 172 | 176 Other dairy products...........| 230 | 180 | 148 | 167 | 170 | 186 | 220 | 233 | 257 | 321 Fruits and vegetables...........| 585 | 449 | 434 | 490 | 512 | 530 | 548 | 554 | 608 | 773 Fresh fruits...................| 182 | 127 | 118 | 151 | 154 | 162 | 174 | 167 | 202 | 243 Fresh vegetables...............| 173 | 124 | 129 | 152 | 157 | 163 | 159 | 151 | 171 | 239 Processed fruits...............| 129 | 109 | 99 | 98 | 113 | 112 | 118 | 135 | 135 | 173 Processed vegetables...........| 100 | 89 | 88 | 89 | 89 | 93 | 98 | 102 | 101 | 118 Other food at home..............| 1,119 | 877 | 836 | 831 | 868 | 964 | 1,089 | 1,201 | 1,234 | 1,440 Sugar and other sweets.........| 144 | 103 | 118 | 109 | 121 | 128 | 144 | 149 | 161 | 174 Fats and oils..................| 102 | 96 | 88 | 102 | 103 | 98 | 103 | 96 | 106 | 110 Miscellaneous foods............| 503 | 384 | 358 | 343 | 379 | 431 | 476 | 556 | 566 | 658 Nonalcoholic beverages.........| 307 | 248 | 249 | 249 | 229 | 272 | 311 | 337 | 325 | 376 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 63 | 45 | 24 | 28 | 37 | 35 | 54 | 63 | 76 | 122 Food away from home..............| 2,191 | 1,053 | 878 | 951 | 1,210 | 1,428 | 1,957 | 2,296 | 2,711 | 3,846 Alcoholic beverages...............| 355 | 191 | 150 | 158 | 192 | 211 | 308 | 361 | 384 | 691 Housing...........................| 12,612 | 8,273 | 6,768 | 7,242 | 8,130 | 9,284 | 10,618 | 12,388 | 14,514 | 21,738 Shelter..........................| 6,862 | 4,546 | 3,514 | 3,759 | 4,200 | 4,841 | 5,603 | 6,677 | 7,890 | 12,423 Owned dwellings.................| 4,633 | 2,141 | 1,325 | 1,556 | 2,011 | 2,504 | 3,367 | 4,550 | 5,960 | 9,944 Mortgage interest and charges..| 2,712 | 996 | 515 | 645 | 743 | 1,157 | 1,848 | 2,773 | 3,742 | 6,296 Property taxes.................| 1,095 | 662 | 401 | 468 | 704 | 725 | 794 | 986 | 1,301 | 2,192 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 826 | 483 | 409 | 443 | 564 | 622 | 725 | 791 | 917 | 1,456 Rented dwellings................| 1,732 | 2,178 | 2,092 | 2,103 | 1,976 | 2,105 | 1,956 | 1,743 | 1,423 | 1,107 Other lodging...................| 498 | 226 | 97 | 100 | 213 | 232 | 280 | 385 | 508 | 1,371 Utilities, fuels, and public | | | | | | | | | | services......................| 2,725 | 2,137 | 2,031 | 2,112 | 2,297 | 2,445 | 2,611 | 2,758 | 2,979 | 3,542 Natural gas.....................| 336 | 266 | 254 | 252 | 281 | 310 | 314 | 336 | 346 | 458 Electricity.....................| 1,042 | 860 | 823 | 861 | 921 | 955 | 1,010 | 1,067 | 1,131 | 1,269 Fuel oil and other fuels........| 127 | 89 | 100 | 97 | 116 | 116 | 133 | 130 | 131 | 158 Telephone services..............| 886 | 709 | 645 | 680 | 710 | 777 | 855 | 877 | 992 | 1,173 Water and other public services.| 334 | 213 | 209 | 221 | 270 | 286 | 298 | 347 | 379 | 485 Household operations.............| 670 | 319 | 221 | 286 | 304 | 395 | 463 | 621 | 753 | 1,502 Personal services...............| 361 | 118 | 103 | 160 | 159 | 230 | 285 | 396 | 472 | 695 Other household expenses........| 309 | 201 | 118 | 126 | 146 | 166 | 178 | 224 | 281 | 806 Housekeeping supplies............| 594 | 405 | 311 | 355 | 447 | 475 | 508 | 618 | 683 | 908 Laundry and cleaning supplies...| 154 | 114 | 124 | 117 | 118 | 141 | 147 | 181 | 164 | 188 Other household products........| 270 | 191 | 128 | 174 | 180 | 207 | 227 | 284 | 339 | 405 Postage and stationery..........| 170 | 100 | 60 | 65 | 149 | 127 | 134 | 153 | 180 | 314 Household furnishings and | | | | | | | | | | equipment.....................| 1,760 | 866 | 692 | 729 | 882 | 1,128 | 1,434 | 1,714 | 2,208 | 3,363 Household textiles..............| 92 | 51 | 43 | 37 | 52 | 55 | 76 | 80 | 117 | 182 Furniture.......................| 405 | 148 | 164 | 159 | 223 | 215 | 313 | 348 | 506 | 861 Floor coverings.................| 123 | (4)22 | (4)35 | 32 | 28 | 111 | 122 | 141 | 159 | 208 Major appliances................| 210 | 124 | 145 | 111 | 147 | 165 | 230 | 182 | 245 | 319 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 111 | 168 | 45 | 41 | 67 | 79 | 77 | 77 | 147 | 207 Miscellaneous household | | | | | | | | | | equipment....................| 818 | 353 | 260 | 349 | 364 | 504 | 616 | 886 | 1,035 | 1,586 Apparel and services..............| 2,174 | 1,405 | 984 | 941 | 1,284 | 1,587 | 1,768 | 1,921 | 2,695 | 3,871 Men and boys.....................| 527 | 277 | 219 | 234 | 285 | 373 | 421 | 528 | 631 | 963 Men, 16 and over................| 404 | 186 | 141 | 145 | 212 | 266 | 320 | 393 | 487 | 788 Boys, 2 to 15...................| 122 | 91 | 78 | 89 | 73 | 106 | 102 | 135 | 144 | 175 Women and girls..................| 854 | 591 | 357 | 327 | 456 | 608 | 684 | 686 | 1,157 | 1,531 Women, 16 and over..............| 705 | 488 | 294 | 250 | 354 | 500 | 539 | 523 | 960 | 1,317 Girls, 2 to 15..................| 149 | 102 | 63 | 76 | 101 | 107 | 145 | 163 | 197 | 214 Children under 2.................| 113 | 47 | 95 | 64 | 76 | 110 | 93 | 145 | 133 | 142 Footwear.........................| 376 | 273 | 224 | 200 | 318 | 313 | 320 | 366 | 468 | 534 Other apparel products and | | | | | | | | | | services......................| 305 | 217 | 89 | 115 | 149 | 184 | 249 | 196 | 308 | 700 Transportation....................| 7,975 | 5,280 | 3,682 | 3,823 | 4,835 | 5,988 | 7,649 | 8,485 | 9,695 | 12,912 Vehicle purchases (net outlay)...| 3,548 | 2,965 | 1,838 | 1,612 | 2,149 | 2,762 | 3,677 | 3,866 | 4,256 | 5,377 Cars and trucks, new............| 1,560 | (4)539 | 601 | 453 | 526 | 1,057 | 1,463 | 1,602 | 1,985 | 3,026 Cars and trucks, used...........| 1,934 | 2,423 | 1,222 | 1,159 | 1,607 | 1,671 | 2,209 | 2,234 | 2,219 | 2,166 Other vehicles..................| 55 | (4)3 | (4)14 | (3)| (4)17 | (4)33 | (4)5 | (4)29 | 51 | 185 Gasoline and motor oil...........| 1,318 | 797 | 726 | 788 | 926 | 1,087 | 1,307 | 1,490 | 1,634 | 1,804 Other vehicle expenses...........| 2,649 | 1,240 | 963 | 1,238 | 1,551 | 1,880 | 2,383 | 2,790 | 3,291 | 4,623 Vehicle finance charges.........| 372 | 168 | 105 | 144 | 196 | 262 | 389 | 487 | 512 | 551 Maintenance and repairs.........| 822 | 423 | 330 | 484 | 493 | 657 | 768 | 821 | 975 | 1,354 Vehicle insurance...............| 884 | 380 | 354 | 441 | 594 | 691 | 858 | 955 | 1,115 | 1,374 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 572 | 269 | 175 | 170 | 268 | 269 | 368 | 527 | 690 | 1,345 Public transportation............| 460 | 279 | 155 | 185 | 209 | 260 | 282 | 339 | 514 | 1,108 Health care.......................| 2,108 | 1,199 | 1,356 | 1,565 | 2,069 | 2,094 | 2,043 | 2,209 | 2,231 | 2,614 Health insurance.................| 996 | 594 | 588 | 779 | 995 | 1,020 | 984 | 1,065 | 1,084 | 1,149 Medical services.................| 621 | 327 | 410 | 286 | 548 | 514 | 575 | 674 | 686 | 936 Drugs............................| 367 | 229 | 294 | 420 | 434 | 450 | 360 | 347 | 321 | 342 Medical supplies.................| 125 | 49 | 64 | 80 | 92 | 110 | 123 | 123 | 140 | 187 Entertainment.....................| 2,248 | 969 | 786 | 920 | 1,051 | 1,361 | 1,643 | 2,587 | 2,773 | 4,420 Fees and admissions..............| 557 | 215 | 122 | 145 | 230 | 251 | 358 | 463 | 690 | 1,379 Television, radios, sound | | | | | | | | | | equipment.....................| 661 | 335 | 373 | 425 | 444 | 509 | 599 | 723 | 797 | 1,008 Pets, toys, and playground | | | | | | | | | | equipment.....................| 420 | 206 | 165 | 208 | 198 | 282 | 376 | 396 | 547 | 735 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 609 | 213 | 126 | 142 | 179 | 319 | 309 | 1,006 | 739 | 1,298 Personal care products and | | | | | | | | | | services.......................| 638 | 325 | 338 | 365 | 412 | 504 | 618 | 654 | 725 | 1,011 Reading...........................| 185 | 86 | 80 | 79 | 111 | 133 | 158 | 170 | 223 | 347 Education.........................| 565 | 378 | 209 | 195 | 224 | 314 | 363 | 511 | 768 | 1,198 Tobacco products and smoking | | | | | | | | | | supplies.......................| 306 | 270 | 302 | 310 | 270 | 313 | 358 | 329 | 325 | 259 Miscellaneous.....................| 978 | 769 | 563 | 434 | 619 | 799 | 855 | 1,120 | 1,155 | 1,514 Cash contributions................| 1,163 | 678 | 334 | 375 | 518 | 669 | 916 | 1,140 | 1,207 | 2,654 Personal insurance and pensions...| 4,552 | 408 | 455 | 738 | 1,115 | 1,890 | 3,034 | 4,344 | 6,098 | 11,517 Life and other personal insurance| 467 | 179 | 160 | 207 | 267 | 331 | 340 | 426 | 567 | 937 Pensions and Social Security.....| 4,084 | 230 | 294 | 531 | 848 | 1,559 | 2,694 | 3,918 | 5,531 | 10,580 Money income before taxes.........| 46,085 | 1,866 | 7,692 | 12,597 | 17,426 | 24,726 | 34,858 | 44,619 | 58,581 | 106,303 Wages and salaries...............| 36,980 | 1,757 | 2,359 | 5,110 | 8,767 | 15,687 | 26,850 | 36,762 | 50,938 | 90,979 Self-employment income(1)........| 2,636 | -1,559 | 120 | 239 | 458 | 1,070 | 1,295 | 2,034 | 2,328 | 8,824 Social Security, private and | | | | | | | | | | government retireme...........| 4,483 | 521 | 2,672 | 4,812 | 6,770 | 6,399 | 5,234 | 4,236 | 3,407 | 3,542 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 809 | 61 | 75 | 123 | 170 | 377 | 449 | 705 | 1,102 | 2,114 Unemployment and workers.........| 236 | 70 | 102 | 186 | 219 | 269 | 254 | 318 | 251 | 237 Public assistance, supplemental | | | | | | | | | | security income,..............| 499 | 790 | 2,095 | 1,728 | 677 | 489 | 274 | 162 | 105 | 50 Regular contributions for support| 273 | 68 | 111 | 271 | 233 | 276 | 333 | 270 | 281 | 328 Other income.....................| 168 | 158 | 159 | 128 | 133 | 158 | 170 | 132 | 169 | 230 Personal taxes....................| 3,713 | 209 | 66 | 47 | 251 | 954 | 2,134 | 3,423 | 4,759 | 10,994 Federal income taxes.............| 2,802 | 108 | -35 | -67 | 76 | 643 | 1,550 | 2,583 | 3,628 | 8,496 State and local income taxes(1)..| 767 | 37 | 39 | 59 | 94 | 212 | 466 | 702 | 966 | 2,212 Other taxes......................| 144 | 64 | 62 | 56 | 81 | 99 | 119 | 137 | 165 | 286 Income after taxes................| 42,372 | 1,657 | 7,626 | 12,550 | 17,174 | 23,772 | 32,724 | 41,197 | 53,822 | 95,308 Net change in total assets and | | | | | | | | | | liabilities....................| -622 | 1,408 | -236 | -150 | -130 | -843 | -3,162 | -2,911 | -2,489 | 3,275 Net change in total assets(1)....| 6,181 | 3,972 | 786 | 1,087 | 1,486 | 2,351 | 3,103 | 4,639 | 6,727 | 17,941 Net change in total liabilities..| 6,803 | 2,565 | 1,022 | 1,236 | 1,616 | 3,194 | 6,266 | 7,550 | 9,216 | 14,667 Other money receipts..............| 504 | 85 | 146 | 213 | 199 | 271 | 309 | 422 | 796 | 1,040 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,231 | -563 | -367 | -325 | -381 | -578 | -800 | -1,179 | -1,586 | -2,893 Estimated market value of owned | | | | | | | | | | home...........................| 86,746 | 50,029 | 36,942 | 39,825 | 52,448 | 60,956 | 67,317 | 79,909 | 98,644 | 170,062 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 600 | 324 | 254 | 304 | 393 | 430 | 491 | 584 | 706 | 1,090 Gifts of goods and services.......| 1,210 | 751 | 587 | 474 | 723 | 711 | 890 | 991 | 1,515 | 2,424 Food.............................| 73 | 28 | 29 | 18 | 52 | 41 | 45 | 66 | 99 | 148 Housing..........................| 315 | 210 | 138 | 159 | 211 | 168 | 236 | 272 | 358 | 642 Housekeeping supplies...........| 46 | 26 | 21 | 15 | 32 | 32 | 34 | 49 | 50 | 85 Household textiles..............| 9 | (4)6 | 3 | 3 | 5 | 5 | 6 | 9 | 11 | 17 Appliances and miscellaneous | | | | | | | | | | housewares...................| 34 | (4)7 | 15 | 6 | 19 | 18 | 30 | 23 | 42 | 75 Major appliances...............| 8 | (5)| (4)4 | (4)2 | 10 | 3 | 12 | 7 | 12 | 12 Small appliances and | | | | | | | | | | miscellaneous housewares....| 26 | (4)7 | (4)11 | 4 | 9 | 16 | 18 | 17 | 29 | 64 Miscellaneous household | | | | | | | | | | equipment....................| 86 | 56 | 31 | 25 | 42 | 43 | 55 | 81 | 109 | 184 Other housing...................| 141 | 115 | 68 | 110 | 114 | 70 | 111 | 110 | 146 | 280 Apparel and services.............| 327 | 247 | 115 | 109 | 226 | 232 | 255 | 284 | 396 | 608 Males, 2 and over...............| 79 | 80 | 23 | 26 | 67 | 67 | 57 | 69 | 79 | 151 Females, 2 and over.............| 106 | 83 | 42 | 36 | 82 | 69 | 94 | 84 | 133 | 187 Children under 2................| 48 | 15 | 27 | 20 | 28 | 39 | 35 | 70 | 53 | 76 Other apparel products and | | | | | | | | | | services.....................| 94 | (4)69 | (4)22 | (4)27 | 49 | 56 | 69 | 60 | 131 | 195 Jewelry and watches............| 55 | (4)27 | (4)6 | (4)5 | (4)22 | 23 | 46 | 25 | 82 | 129 All other apparel products and | | | | | | | | | | services....................| 39 | (4)42 | (4)17 | (4)23 | (4)26 | 33 | 23 | 35 | 49 | 66 Transportation...................| 68 | 48 | 18 | 54 | 17 | 72 | 30 | 38 | 116 | 115 Health care......................| 30 | (4)6 | (4)77 | (4)7 | 20 | 17 | 13 | 26 | 26 | 63 Entertainment....................| 118 | 91 | 47 | 42 | 62 | 71 | 97 | 109 | 158 | 216 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 49 | (4)20 | (4)19 | (4)21 | 27 | 42 | 41 | 52 | 76 | 69 Other entertainment.............| 68 | 71 | 28 | 20 | 35 | 30 | 56 | 58 | 82 | 147 Education........................| 140 | (4)57 | (4)87 | 17 | 46 | 21 | 55 | 88 | 215 | 377 All other gifts..................| 139 | 65 | 76 | 68 | 88 | 89 | 159 | 109 | 148 | 257 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 1 Components of income and taxes are derived from "complete income reporters" only; see glossary. 2 Value less than 0.5. 3 Value less than 0.05. 4 Data are likely to have large sampling errors. 5 No data reported.