Table 37. Consumer units of two persons 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)...... 26,092 696 1,533 2,341 2,792 4,627 3,286 2,364 3,664 4,787 Income before taxes a/ ...................... $43,996 $1,694 $7,751 $12,552 $17,468 $24,576 $34,716 $44,353 $58,801 $106,238 Income after taxes a/ ....................... 40,262 1,325 7,696 12,294 17,053 23,631 32,601 40,817 53,874 94,214 Age of the reference person.................. 53.0 46.7 54.9 59.9 60.6 56.4 53.0 49.2 47.8 47.9 Average number in consumer unit: Persons..................................... 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Children under 18........................... .1 .3 .2 .1 .1 .1 .1 .1 b/ b/ Persons 65 and over......................... .5 .3 .6 .9 1.0 .8 .6 .4 .3 .1 Earners..................................... 1.2 .9 .7 .7 .7 1.0 1.2 1.5 1.6 1.8 Vehicles.................................... 2.2 1.5 1.6 1.8 1.8 2.0 2.3 2.4 2.6 2.8 Percent distribution: Male........................................ 66 51 44 58 66 64 70 65 69 76 Female...................................... 34 49 56 42 34 36 30 35 31 24 Homeowner................................... 72 46 50 65 71 71 72 74 78 86 With mortgage.............................. 36 17 12 20 16 24 33 41 52 66 Without mortgage........................... 36 29 39 45 55 47 39 33 26 20 Renter...................................... 28 54 50 35 29 29 28 26 22 14 Black....................................... 8 18 17 14 8 10 8 7 4 4 White and other............................. 92 82 83 86 92 90 92 93 96 96 Elementary (1-8)............................ 7 10 20 18 14 8 6 2 1 c/ High school (9-12).......................... 39 50 49 53 50 47 39 39 31 19 College..................................... 54 39 29 28 35 44 55 59 67 81 Never attended and other.................... c/ d/ 2 1 d/ c/ d/ c/ c/ c/ At least one vehicle owned or leased........ 94 74 79 87 94 93 97 98 99 98 Average annual expenditures.................. $38,626 $24,065 $18,843 $21,214 $24,082 $28,605 $33,733 $41,578 $46,557 $69,773 Food........................................ 4,925 3,764 3,375 3,255 3,798 4,282 4,831 5,286 5,456 7,247 Food at home............................. 2,802 2,332 2,380 2,324 2,463 2,667 2,947 2,894 2,898 3,374 Cereals and bakery products............ 426 333 345 357 388 408 471 447 423 504 Cereals and cereal products.......... 138 114 120 127 138 123 155 128 140 161 Bakery products...................... 288 220 226 230 250 285 316 320 283 343 Meats, poultry, fish, and eggs......... 703 650 671 638 663 692 740 716 684 772 Beef................................. 205 167 151 194 194 219 220 237 196 209 Pork................................. 154 108 193 152 151 160 171 139 144 149 Other meats.......................... 91 71 86 87 83 82 93 92 94 109 Poultry.............................. 127 116 123 114 113 116 136 129 126 150 Fish and seafood..................... 93 155 83 62 89 82 88 87 95 125 Eggs................................. 32 33 35 30 34 34 34 32 29 31 Dairy products......................... 300 239 265 263 267 283 304 318 319 346 Fresh milk and cream................. 114 98 111 118 117 110 121 110 112 115 Other dairy products................. 186 141 153 144 151 172 184 208 207 231 Fruits and vegetables.................. 491 393 383 412 412 482 504 468 485 655 Fresh fruits......................... 157 137 104 132 118 164 158 149 157 214 Fresh vegetables..................... 154 120 119 124 133 141 162 136 153 218 Processed fruits..................... 99 87 88 78 86 90 104 103 101 127 Processed vegetables................. 81 49 72 79 74 86 80 81 74 96 Other food at home..................... 883 717 716 654 732 803 928 944 988 1,097 Sugar and other sweets............... 113 100 96 81 87 109 128 115 134 129 Fats and oils........................ 82 74 72 67 80 80 95 83 79 92 Miscellaneous foods.................. 379 308 306 289 311 349 401 398 422 470 Nonalcoholic beverages............... 244 183 217 189 203 220 246 289 279 285 Food prepared by consumer unit on out-of-town trips................... 64 52 25 28 51 44 58 59 74 121 Food away from home...................... 2,123 1,432 996 930 1,335 1,615 1,885 2,391 2,557 3,872 Alcoholic beverages......................... 407 335 222 146 210 264 335 414 543 813 Housing..................................... 12,012 8,151 6,819 7,575 7,640 8,817 10,451 12,419 13,906 21,493 Shelter.................................. 6,580 4,665 3,450 3,934 3,885 4,606 5,586 6,496 7,690 12,506 Owned dwellings........................ 4,245 2,381 1,398 2,159 2,017 2,574 3,294 3,972 5,260 9,373 Mortgage interest and charges........ 2,180 985 461 810 494 944 1,364 2,049 2,989 5,760 Property taxes....................... 1,114 713 491 737 821 855 934 1,040 1,240 2,043 Maintenance, repairs, insurance,other expenses............................ 950 683 446 612 703 775 996 883 1,031 1,570 Rented dwellings....................... 1,747 2,094 1,919 1,548 1,580 1,718 1,935 2,039 1,850 1,514 Other lodging.......................... 587 190 133 226 288 314 357 485 580 1,619 Utilities, fuels, and public services.... 2,463 1,899 1,821 2,023 2,184 2,293 2,349 2,565 2,675 3,156 Natural gas............................ 299 216 199 238 287 301 259 308 332 376 Electricity............................ 934 796 748 828 890 903 909 966 969 1,095 Fuel oil and other fuels............... 110 e/ 54 89 127 105 115 118 124 97 111 Telephone services..................... 819 644 597 604 629 696 792 878 939 1,149 Water and other public services........ 301 189 188 226 274 277 271 290 338 425 Household operations..................... 449 311 301 334 269 334 304 448 419 909 Personal services...................... 90 e/ 83 149 172 94 132 73 97 46 e/ 31 Other household expenses............... 358 228 153 163 175 201 231 350 373 878 Housekeeping supplies.................... 533 255 294 372 373 480 549 613 650 743 Laundry and cleaning supplies.......... 126 81 83 88 86 106 132 146 153 171 Other household products............... 242 116 138 201 194 206 209 315 287 330 Postage and stationery................. 166 58 73 82 93 168 207 152 210 242 Household furnishings and equipment...... 1,988 1,021 952 913 928 1,105 1,663 2,297 2,471 4,179 Household textiles..................... 129 104 68 58 70 90 106 131 143 266 Furniture.............................. 448 208 160 170 205 208 394 395 649 992 Floor coverings........................ 204 e/ 41 e/ 31 e/ 77 e/ 37 65 182 244 145 636 Major appliances....................... 201 115 147 208 112 137 242 202 251 271 Small appliances, miscellaneous housewares............................ 105 47 57 44 60 66 98 80 149 208 Miscellaneous household equipment...... 901 506 489 356 444 538 640 1,245 1,133 1,805 Apparel and services....................... 1,690 1,440 888 710 805 1,243 1,571 1,880 2,197 3,043 Men and boys............................. 349 168 215 148 157 232 309 384 415 708 Men, 16 and over....................... 319 133 184 120 131 192 284 354 395 678 Boys, 2 to 15.......................... 29 35 31 29 27 40 25 29 20 30 Women and girls.......................... 707 896 310 275 259 557 681 797 960 1,228 Women, 16 and over..................... 668 847 282 254 223 523 628 761 927 1,171 Girls, 2 to 15......................... 39 49 28 22 36 33 52 36 33 57 Children under 2......................... 45 e/ 64 e/ 38 e/ 36 e/ 29 49 57 47 28 58 Footwear................................. 272 e/ 163 202 148 221 237 258 399 295 362 Other apparel products and services...... 318 148 124 103 138 169 266 253 499 687 Transportation............................. 7,067 3,458 2,591 3,949 4,446 5,586 6,693 8,377 9,024 11,630 Vehicle purchases (net outlay)........... 3,011 e/ 1,111 809 1,725 1,935 2,473 2,988 4,016 3,835 4,660 Cars and trucks, new................... 1,512 d/ e/ 270 e/ 816 752 1,165 1,583 1,898 1,917 2,697 Cars and trucks, used.................. 1,447 1,111 507 909 1,183 1,280 1,393 2,056 1,861 1,794 Other vehicles......................... 53 d/ e/ 31 d/ d/ e/ 28 e/ 12 e/ 62 e/ 56 e/ 169 Gasoline and motor oil................... 1,104 702 711 770 801 931 1,114 1,242 1,389 1,503 Other vehicle expenses................... 2,427 1,386 902 1,326 1,483 1,811 2,280 2,696 3,194 4,140 Vehicle finance charges................ 322 163 90 117 165 217 350 387 494 529 Maintenance and repairs................ 728 500 324 485 483 638 725 817 904 1,069 Vehicle insurance...................... 816 472 328 531 598 700 818 885 1,085 1,158 Vehicle rental, leases, licenses, other charges......................... 561 251 160 192 237 256 387 606 712 1,383 Public transportation.................... 525 260 169 128 227 370 311 423 606 1,327 Health care................................ 2,484 1,413 1,831 2,334 2,978 2,671 2,358 2,360 2,286 2,747 Health insurance......................... 1,195 669 911 1,244 1,423 1,397 1,222 1,037 1,121 1,127 Medical services......................... 627 332 418 396 666 548 450 635 621 1,025 Drugs.................................... 521 340 402 596 714 608 531 511 409 430 Medical supplies......................... 142 73 100 99 175 118 156 176 135 165 Entertainment.............................. 2,018 1,051 704 920 1,038 1,361 1,450 2,170 2,618 4,189 Fees and admissions...................... 519 353 156 132 255 340 350 464 696 1,186 Television, radios, sound equipment...... 585 383 308 313 369 480 585 541 744 969 Pets, toys, and playground equipment..... 380 175 159 170 235 300 295 459 490 682 Other entertainment supplies, equipment,and services.................. 534 140 82 305 178 241 221 706 689 1,351 Personal care products and services........ 490 534 374 305 313 390 569 470 519 757 Reading.................................... 205 117 91 101 133 162 179 187 250 383 Education.................................. 424 431 357 102 237 312 270 479 568 788 Tobacco products and smoking supplies...... 277 321 287 275 216 242 320 321 296 271 Miscellaneous.............................. 937 1,049 628 373 458 792 779 1,205 1,193 1,492 Cash contributions......................... 1,486 1,275 253 512 926 893 1,265 1,640 1,493 3,358 Personal insurance and pensions............ 4,204 725 421 657 885 1,591 2,661 4,370 6,209 11,562 Life and other personal insurance........ 482 314 180 255 316 344 353 678 568 867 Pensions and Social Security............. 3,722 411 241 402 569 1,246 2,308 3,692 5,640 10,694 Sources of income and personal taxes: a/ Money income before taxes................. 43,996 1,694 7,751 12,552 17,468 24,576 34,716 44,353 58,801 106,238 Wages and salaries....................... 31,480 1,381 1,948 3,705 5,531 12,428 21,335 32,789 46,893 86,969 Self-employment income................... 2,457 -1,865 146 215 489 698 1,291 1,840 2,041 9,192 Social Security, private and government retirement................... 7,952 1,101 3,881 7,446 10,594 10,182 10,444 7,880 6,931 5,909 Interest, dividends, rental income, other property income................... 1,326 74 158 150 224 618 910 1,255 2,149 3,477 Unemployment and workers'' compensation, veterans'' benefits..................... 189 e/ 34 87 137 165 183 188 280 239 205 Public assistance, supplemental security, income, food stamps..................... 230 603 1,286 668 142 114 138 e/ 38 e/ 75 e/ 65 Regular contributions for support........ 175 e/ 190 101 132 198 222 247 142 184 117 Other income............................. 187 e/ 175 144 100 125 130 162 128 289 304 Personal taxes............................. 3,733 369 56 258 415 946 2,115 3,536 4,927 12,024 Federal income taxes..................... 2,865 293 -41 113 228 623 1,541 2,709 3,872 9,437 State and local income taxes............. 685 27 24 54 77 165 372 663 872 2,240 Other taxes.............................. 183 e/ 50 72 92 110 157 202 165 184 347 Income after taxes.......................... 40,262 1,325 7,696 12,294 17,053 23,631 32,601 40,817 53,874 94,214 Net change in total assets and liabilities.. -339 17,688 -880 -445 1,784 860 -733 2,190 -42 -6,340 Net change in total assets............... 6,767 18,131 482 421 2,896 3,234 3,961 5,838 10,674 15,296 Net change in total liabilities.......... 7,106 443 1,362 867 1,112 2,374 4,694 3,648 10,716 21,636 Other financial information: Other money receipts..................... 775 e/ 2,634 69 164 421 249 790 726 1,126 1,488 Mortgage principal paid on owned property................................ -1,140 -483 -348 -465 -351 -521 -718 -1,137 -1,265 -3,075 Estimated market value of owned home..... 90,612 55,257 46,155 58,684 65,484 73,499 75,550 81,934 95,910 167,372 Estimated monthly rental value of owned home.............................. 633 374 300 416 487 508 542 609 692 1,118 Gifts of goods and services................. 1,321 609 708 465 582 887 1,083 1,259 1,714 2,794 Food..................................... 114 e/ 10 26 28 51 56 81 131 143 283 Housing.................................. 338 272 184 122 148 185 289 372 402 734 Housekeeping supplies.................. 52 e/ 17 32 24 31 37 52 79 56 89 Household textiles..................... 17 e/ 9 e/ 5 e/ 3 e/ 5 13 26 e/ 19 19 32 Appliances and miscellaneous housewares............................ 39 e/ 13 e/ 31 7 18 21 43 39 38 92 Major appliances..................... 10 d/ d/ e/ 2 12 e/ 3 15 e/ 25 e/ 3 17 Small appliances and miscellaneous housewares.......................... 29 e/ 13 e/ 31 e/ 5 e/ 6 18 28 14 35 74 Miscellaneous household equipment...... 95 62 46 28 26 48 60 103 137 229 Other housing.......................... 134 172 71 59 67 65 109 132 152 293 Apparel and services..................... 263 136 146 186 113 226 240 269 289 482 Males, 2 and over...................... 68 e/ 39 55 41 19 66 59 76 75 118 Females, 2 and over.................... 99 e/ 35 42 60 37 65 117 107 109 196 Children under 2....................... 34 e/ 33 e/ 13 e/ 34 29 33 25 39 28 58 Other apparel products and services.... 61 e/ 30 e/ 36 51 29 62 39 47 77 110 Jewelry and watches.................. 23 e/ 24 e/ 5 e/ 7 e/ 6 21 20 14 24 56 All other apparel products and services............................ 38 e/ 6 e/ 31 e/ 44 e/ 23 41 e/ 19 e/ 33 53 54 Transportation........................... 90 38 22 20 47 134 56 63 133 141 Health care.............................. 33 e/ 4 e/ 17 e/ 8 e/ 27 20 14 25 37 84 Entertainment............................ 125 69 60 35 66 85 96 148 169 247 Toys, games, hobbies, and tricycles.... 48 e/ 19 24 21 25 39 42 44 76 82 Other entertainment.................... 77 50 36 14 41 45 54 104 93 165 Education................................ 191 e/ 14 e/ 180 e/ 20 e/ 67 40 54 103 352 536 All other gifts.......................... 167 66 72 46 64 142 253 149 188 288 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.05. c/ Value less than 0.5. d/ No data reported. e/ Data are likely to have large sampling errors.