Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 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)...... 17,942 584 3,582 3,836 2,686 3,189 1,605 769 982 710 Income before taxes a/ ...................... $23,987 $2,814 $7,904 $12,312 $17,422 $24,294 $34,487 $44,543 $58,744 $115,019 Income after taxes a/ ....................... 22,764 2,529 7,764 12,029 17,049 23,602 32,979 41,441 53,963 104,467 Age of the reference person.................. 74.5 73.8 76.3 75.9 74.2 73.9 73.2 72.6 72.2 70.6 Average number in consumer unit: Persons..................................... 1.7 1.5 1.3 1.4 1.8 1.9 2.0 2.1 2.3 2.6 Children under 18........................... .1 b/ .1 c/ c/ .1 c/ c/ b/ .1 .2 .2 Persons 65 and over......................... 1.3 1.1 1.1 1.2 1.5 1.5 1.5 1.5 1.5 1.4 Earners..................................... .4 .3 .1 .2 .3 .5 .5 .8 1.0 1.5 Vehicles.................................... 1.6 1.1 .8 1.2 1.6 1.9 2.1 2.2 2.6 2.6 Percent distribution: Male........................................ 52 35 27 36 59 65 73 73 84 81 Female...................................... 48 65 73 64 41 35 27 27 16 19 Homeowner................................... 79 67 59 75 85 88 88 96 93 97 With mortgage.............................. 15 12 6 12 14 17 19 27 31 40 Without mortgage........................... 64 55 52 63 72 71 69 69 62 57 Renter...................................... 21 33 41 25 15 12 12 4 7 3 Black....................................... 8 18 14 8 6 7 6 2 3 3 White and other............................. 92 82 86 92 94 93 94 98 97 97 Elementary (1-8)............................ 18 25 34 20 17 15 7 4 3 4 High school (9-12).......................... 46 48 47 52 51 46 39 42 31 27 College..................................... 35 24 17 28 31 39 54 53 64 69 Never attended and other.................... 1 3 2 1 d/ 1 e/ d/ 1 d/ At least one vehicle owned or leased........ 82 62 58 77 90 92 94 95 98 98 Average annual expenditures.................. $25,598 $18,994 $13,024 $18,321 $23,288 $28,599 $32,087 $40,404 $45,507 $71,380 Food........................................ 3,659 2,556 2,145 2,651 3,526 3,964 5,454 5,569 5,789 7,985 Food at home............................. 2,391 1,779 1,598 1,893 2,421 2,652 3,416 3,191 3,254 4,032 Cereals and bakery products............ 379 262 259 304 382 427 542 518 500 585 Cereals and cereal products.......... 121 95 84 98 132 134 156 145 155 211 Bakery products...................... 258 167 176 206 250 293 387 372 346 375 Meats, poultry, fish, and eggs......... 601 501 399 469 620 665 864 767 797 1,035 Beef................................. 167 157 91 125 165 208 245 201 271 274 Pork................................. 139 102 109 116 154 148 199 136 138 211 Other meats.......................... 81 56 57 63 90 90 100 94 104 151 Poultry.............................. 104 101 75 82 95 108 168 129 132 160 Fish and seafood..................... 79 51 41 54 82 76 112 177 114 204 Eggs................................. 32 34 25 28 34 35 40 30 38 35 Dairy products......................... 264 199 179 219 254 301 345 348 375 455 Fresh milk and cream................. 108 85 76 98 102 123 143 139 133 170 Other dairy products................. 155 114 103 121 152 178 202 209 242 284 Fruits and vegetables.................. 450 334 306 368 418 509 629 548 615 843 Fresh fruits......................... 152 112 98 129 135 190 197 187 195 282 Fresh vegetables..................... 134 102 94 108 127 138 182 139 241 268 Processed fruits..................... 95 73 68 78 91 100 143 125 103 179 Processed vegetables................. 69 47 47 54 66 82 107 97 77 114 Other food at home..................... 697 482 456 533 747 749 1,036 1,011 966 1,114 Sugar and other sweets............... 102 70 70 80 98 114 164 130 131 152 Fats and oils........................ 75 54 56 57 83 77 115 73 127 104 Miscellaneous foods.................. 298 249 182 218 332 326 457 435 386 473 Nonalcoholic beverages............... 180 88 135 154 183 183 232 298 239 294 Food prepared by consumer unit on out-of-town trips................... 42 b/ 22 12 25 50 49 68 75 85 92 Food away from home...................... 1,268 777 546 758 1,105 1,312 2,038 2,377 2,535 3,953 Alcoholic beverages......................... 209 124 73 88 167 200 419 484 323 857 Housing..................................... 8,459 6,292 5,221 7,102 7,697 9,006 10,029 11,599 12,884 21,262 Shelter.................................. 4,202 3,500 2,502 3,836 3,877 4,313 5,152 4,978 6,245 10,261 Owned dwellings........................ 2,754 2,147 1,165 2,322 2,599 2,917 3,414 3,967 4,783 7,850 Mortgage interest and charges........ 616 457 190 453 463 665 692 1,142 1,474 2,194 Property taxes....................... 1,048 686 475 821 1,206 1,137 1,238 1,416 1,558 2,940 Maintenance, repairs, insurance,other expenses............................ 1,090 1,004 500 1,048 930 1,115 1,483 1,409 1,750 2,715 Rented dwellings....................... 1,093 1,202 1,271 1,298 999 1,013 1,296 473 767 b/ 377 Other lodging.......................... 355 152 65 216 278 383 441 538 695 2,035 Utilities, fuels, and public services.... 2,167 1,805 1,591 1,831 2,188 2,413 2,402 2,728 2,930 3,817 Natural gas............................ 311 262 226 266 328 349 330 428 384 519 Electricity............................ 853 768 638 738 864 928 923 1,065 1,175 1,423 Fuel oil and other fuels............... 126 b/ 66 102 98 129 153 146 133 160 206 Telephone services..................... 576 488 432 498 540 626 650 726 807 1,062 Water and other public services........ 301 221 193 232 326 357 353 377 405 607 Household operations..................... 473 208 308 421 306 499 486 622 801 1,693 Personal services...................... 110 b/ 8 170 144 b/ 35 b/ 105 b/ 108 b/ 55 b/ 84 b/ 120 Other household expenses............... 363 199 138 277 271 394 378 568 717 1,573 Housekeeping supplies.................... 441 229 258 368 436 508 561 532 657 1,014 Laundry and cleaning supplies.......... 100 41 66 90 88 99 134 110 161 258 Other household products............... 197 129 114 188 204 212 253 242 242 397 Postage and stationery................. 144 58 79 90 144 196 174 180 254 359 Household furnishings and equipment...... 1,175 550 561 647 890 1,275 1,428 2,738 2,251 4,477 Household textiles..................... 92 b/ 76 50 49 78 98 110 184 56 444 Furniture.............................. 218 b/ 159 82 113 155 168 221 293 608 1,367 Floor coverings........................ 170 e/ b/ 67 b/ 58 b/ 35 295 b/ 312 b/ 690 b/ 275 b/ 335 Major appliances....................... 137 b/ 63 94 101 129 130 190 223 238 316 Small appliances, miscellaneous housewares............................ 67 59 41 34 50 89 79 90 160 176 Miscellaneous household equipment...... 491 194 228 292 443 495 516 1,259 915 1,840 Apparel and services....................... 991 682 605 557 823 1,058 1,402 1,564 2,424 2,588 Men and boys............................. 202 133 109 103 132 201 316 385 588 613 Men, 16 and over....................... 178 b/ 104 99 87 114 181 282 303 560 542 Boys, 2 to 15.......................... 23 b/ 29 10 16 18 20 34 82 29 71 Women and girls.......................... 462 338 268 279 421 532 643 580 1,122 1,070 Women, 16 and over..................... 437 317 256 271 400 501 591 522 1,078 1,026 Girls, 2 to 15......................... 25 b/ 20 12 8 21 31 52 58 44 44 Children under 2......................... 21 b/ 1 b/ 9 b/ 12 b/ 10 b/ 32 b/ 58 b/ 33 b/ 43 b/ 19 Footwear................................. 160 b/ 148 122 80 136 161 225 358 310 331 Other apparel products and services...... 146 62 98 82 123 131 160 208 360 555 Transportation............................. 4,013 3,078 1,341 2,545 3,533 5,100 5,005 7,719 8,425 10,784 Vehicle purchases (net outlay)........... 1,595 b/ 1,388 399 937 1,338 2,156 1,939 3,778 3,998 b/ 3,353 Cars and trucks, new................... 815 b/ 601 b/ 149 b/ 478 540 1,084 1,562 2,499 1,359 b/ 1,746 Cars and trucks, used.................. 749 b/ 787 231 442 798 1,072 378 1,279 2,196 1,607 Other vehicles......................... b/ 32 d/ b/ 18 b/ 18 d/ d/ d/ d/ b/ 443 d/ Gasoline and motor oil................... 658 493 323 503 628 779 890 1,017 1,077 1,395 Other vehicle expenses................... 1,411 1,020 526 949 1,304 1,761 1,808 2,262 2,705 3,934 Vehicle finance charges................ 106 106 36 52 90 137 196 187 231 196 Maintenance and repairs................ 506 408 207 374 409 694 640 827 874 1,188 Vehicle insurance...................... 566 400 217 391 579 700 742 869 995 1,429 Vehicle rental, leases, licenses, other charges......................... 234 105 66 131 227 231 230 379 605 1,122 Public transportation.................... 349 177 94 156 263 404 368 663 646 2,102 Health care................................ 2,993 2,171 1,836 2,499 3,380 3,524 3,480 3,668 4,203 4,808 Health insurance......................... 1,560 1,147 1,000 1,344 1,665 1,893 1,870 1,858 2,226 2,055 Medical services......................... 599 406 279 399 752 681 568 808 1,116 1,625 Drugs.................................... 687 555 481 632 771 797 855 766 704 842 Medical supplies......................... 147 63 76 125 192 154 187 237 157 286 Entertainment.............................. 1,079 534 407 744 935 1,223 1,253 2,170 2,144 3,574 Fees and admissions...................... 308 143 75 135 252 314 450 503 702 1,666 Television, radios, sound equipment...... 366 263 198 278 356 447 439 428 588 902 Pets, toys, and playground equipment..... 211 99 99 137 223 265 216 379 420 537 Other entertainment supplies, equipment,and services.................. 194 28 35 194 105 196 148 861 435 469 Personal care products and services........ 360 252 217 281 296 432 424 582 642 805 Reading.................................... 177 115 78 130 162 206 245 242 364 431 Education.................................. 139 b/ 39 75 119 94 133 91 149 539 402 Tobacco products and smoking supplies...... 159 156 137 142 130 163 159 209 234 306 Miscellaneous.............................. 697 811 436 497 699 738 835 1,281 887 1,592 Cash contributions......................... 1,612 1,493 317 715 1,401 1,993 2,070 3,223 2,465 8,204 Personal insurance and pensions............ 1,052 693 137 250 445 857 1,220 1,945 4,184 7,784 Life and other personal insurance........ 354 359 126 208 310 454 355 427 1,054 949 Pensions and Social Security............. 698 334 10 42 136 404 866 1,519 3,129 6,835 Sources of income and personal taxes: a/ Money income before taxes................. 23,987 2,814 7,904 12,312 17,422 24,294 34,487 44,543 58,744 115,019 Wages and salaries....................... 5,297 274 105 373 1,053 2,991 6,220 11,791 21,979 56,451 Self-employment income................... 617 b/ -909 b/ -54 b/ 32 b/ 88 521 800 1,098 1,190 9,123 Social Security, private and government retirement................... 15,705 3,137 7,288 11,267 15,545 18,902 24,156 26,110 27,596 31,894 Interest, dividends, rental income, other property income................... 1,883 -6 90 305 512 1,488 2,710 4,958 6,847 15,901 Unemployment and workers'' compensation, veterans'' benefits..................... 99 b/ 4 b/ 21 37 b/ 43 102 173 b/ 396 b/ 337 b/ 275 Public assistance, supplemental security, income, food stamps..................... 212 203 379 220 84 140 302 b/ 76 b/ 112 b/ 218 Regular contributions for support........ 70 b/ 3 30 27 b/ 44 111 b/ 61 b/ 63 b/ 278 b/ 215 Other income............................. 106 b/ 108 46 52 b/ 53 39 b/ 64 b/ 50 b/ 405 b/ 942 Personal taxes............................. 1,224 285 140 283 373 691 1,509 3,102 4,781 10,552 Federal income taxes..................... 866 202 55 124 176 374 967 2,443 3,757 8,415 State and local income taxes............. 159 2 3 29 29 87 215 359 654 1,569 Other taxes.............................. 198 81 83 131 168 230 327 300 371 567 Income after taxes.......................... 22,764 2,529 7,764 12,029 17,049 23,602 32,979 41,441 53,963 104,467 Net change in total assets and liabilities.. 577 1,368 287 -110 622 769 -4,153 -2,726 6,380 10,329 Net change in total assets............... 1,948 2,127 570 -42 1,938 2,205 -1,076 634 8,280 17,890 Net change in total liabilities.......... 1,371 759 283 68 1,316 1,436 3,077 3,360 1,900 7,560 Other financial information: Other money receipts..................... 522 b/ 3,095 98 125 414 297 1,022 1,378 1,073 1,306 Mortgage principal paid on owned property................................ -413 -256 -108 -256 -284 -427 -641 -798 -942 -1,697 Estimated market value of owned home..... 87,997 65,705 49,002 66,347 85,944 102,852 104,341 115,159 133,179 232,234 Estimated monthly rental value of owned home.............................. 598 437 325 481 631 686 709 772 901 1,358 Gifts of goods and services................. 963 454 584 586 827 1,068 1,216 1,350 2,371 2,581 Food..................................... 50 b/ 5 14 28 69 62 71 124 39 142 Housing.................................. 239 167 185 148 177 278 200 301 441 879 Housekeeping supplies.................. 36 b/ 19 23 24 34 49 43 72 70 51 Household textiles..................... 16 b/ 12 13 5 b/ 8 23 21 b/ 18 b/ 7 b/ 90 Appliances and miscellaneous housewares............................ 26 b/ 10 18 8 13 23 36 b/ 33 56 158 Major appliances..................... 6 d/ b/ 1 b/ 1 b/ 4 b/ 4 b/ 7 b/ 7 b/ 8 b/ 77 Small appliances and miscellaneous housewares.......................... 19 b/ 10 17 6 b/ 9 19 29 b/ 26 48 b/ 81 Miscellaneous household equipment...... 56 56 35 28 29 62 60 110 181 173 Other housing.......................... 104 70 96 83 93 122 39 b/ 68 128 407 Apparel and services..................... 197 111 140 110 109 181 308 310 679 520 Males, 2 and over...................... 61 57 30 40 36 53 88 92 227 180 Females, 2 and over.................... 72 b/ 28 40 38 44 58 126 142 270 202 Children under 2....................... 20 b/ 1 b/ 9 b/ 12 b/ 10 b/ 29 b/ 57 b/ 33 b/ 43 b/ 16 Other apparel products and services.... 44 b/ 25 62 20 18 41 38 b/ 44 140 123 Jewelry and watches.................. 24 b/ 4 b/ 43 10 8 21 24 b/ 21 34 78 All other apparel products and services............................ 20 b/ 21 b/ 19 b/ 11 b/ 10 b/ 20 b/ 14 b/ 23 b/ 106 b/ 45 Transportation........................... 96 12 9 36 47 189 94 101 475 151 Health care.............................. 76 b/ 11 51 57 180 27 b/ 114 b/ 84 b/ 124 b/ 14 Entertainment............................ 86 b/ 57 45 35 94 116 107 160 161 181 Toys, games, hobbies, and tricycles.... 32 b/ 32 19 18 21 29 44 52 100 94 Other entertainment.................... 53 b/ 26 26 17 73 88 64 108 61 87 Education................................ 87 b/ 25 b/ 63 b/ 102 b/ 76 b/ 39 b/ 45 b/ 85 b/ 284 b/ 248 All other gifts.......................... 134 67 76 70 76 175 275 185 168 446 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Data are likely to have large sampling errors. c/ Value less than 0.05. d/ No data reported. e/ Value less than 0.5.