Table 26. Consumer units with reference person age 25 to 34 by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 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)...... 15,547 656 831 1,139 1,312 2,482 2,381 1,783 2,600 2,364 Income before taxes a/ ...................... $42,111 $1,729 $7,691 $12,425 $17,340 $24,779 $34,333 $44,136 $58,073 $100,414 Income after taxes a/ ....................... 38,896 1,594 7,736 12,436 17,047 23,578 31,896 40,828 53,739 90,427 Age of the reference person.................. 29.7 29.5 29.2 29.1 29.5 29.4 29.6 29.6 29.9 30.7 Average number in consumer unit: Persons..................................... 2.8 2.5 2.4 2.8 2.8 2.8 2.7 2.7 3.0 2.9 Children under 18........................... 1.1 1.1 1.2 1.4 1.2 1.1 1.0 .9 1.1 .9 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.5 .9 .9 1.1 1.2 1.4 1.5 1.7 1.8 1.9 Vehicles.................................... 1.8 1.1 .8 1.1 1.4 1.6 1.9 1.9 2.3 2.5 Percent distribution: Male........................................ 58 37 35 38 49 57 64 63 67 68 Female...................................... 42 63 65 62 51 43 36 37 33 32 Homeowner................................... 43 15 14 16 23 31 46 48 64 71 With mortgage.............................. 37 8 6 10 15 22 39 43 59 66 Without mortgage........................... 6 7 7 7 8 9 7 5 5 5 Renter...................................... 57 85 86 84 77 69 54 52 36 29 Black....................................... 13 21 23 23 21 15 10 12 8 7 White and other............................. 87 79 77 77 79 85 90 88 92 93 Elementary (1-8)............................ 3 4 6 9 7 3 3 1 1 1 High school (9-12).......................... 36 47 52 49 48 46 36 30 25 19 College..................................... 61 48 41 42 45 51 61 69 75 80 Never attended and other.................... c/ 1 1 c/ d/ d/ d/ d/ c/ d/ At least one vehicle owned or leased........ 89 62 55 77 82 89 94 95 97 98 Average annual expenditures.................. $37,295 $19,014 $16,209 $20,597 $22,853 $26,930 $33,647 $39,915 $47,330 $66,806 Food........................................ 5,070 2,969 3,089 3,306 3,908 3,981 4,750 5,633 5,925 7,639 Food at home............................. 2,795 1,704 1,914 2,389 2,264 2,328 2,591 3,035 3,271 3,741 Cereals and bakery products............ 418 226 324 346 355 343 367 481 484 559 Cereals and cereal products.......... 165 105 136 148 149 136 153 186 192 197 Bakery products...................... 254 121 189 198 206 208 214 295 292 363 Meats, poultry, fish, and eggs......... 706 486 487 626 643 611 665 714 815 905 Beef................................. 210 116 155 178 170 180 209 222 260 251 Pork................................. 132 77 79 147 127 115 133 130 149 157 Other meats.......................... 94 46 55 86 74 94 83 111 109 112 Poultry.............................. 143 135 98 122 142 107 134 134 159 206 Fish and seafood..................... 95 77 71 63 95 86 78 86 106 145 Eggs................................. 31 34 29 30 35 28 28 31 31 34 Dairy products......................... 313 205 242 259 225 256 290 354 377 408 Fresh milk and cream................. 126 100 113 104 99 105 127 140 148 147 Other dairy products................. 187 105 129 154 126 151 163 213 229 261 Fruits and vegetables.................. 452 302 290 394 377 364 405 445 524 674 Fresh fruits......................... 136 103 88 135 106 108 126 122 156 204 Fresh vegetables..................... 140 88 85 125 111 108 128 134 147 234 Processed fruits..................... 101 60 68 71 87 86 83 114 126 138 Processed vegetables................. 76 50 49 63 73 63 68 75 94 97 Other food at home..................... 906 486 571 764 664 754 864 1,042 1,071 1,195 Sugar and other sweets............... 105 71 68 74 93 90 103 113 123 133 Fats and oils........................ 73 53 32 67 72 61 71 84 80 94 Miscellaneous foods.................. 452 211 302 348 299 362 444 545 536 605 Nonalcoholic beverages............... 234 132 151 253 177 210 213 259 274 285 Food prepared by consumer unit on out-of-town trips................... 42 19 e/ 18 21 22 30 34 41 58 79 Food away from home.................... 2,275 1,265 1,175 917 1,644 1,653 2,159 2,598 2,654 3,898 Alcoholic beverages......................... 410 333 180 255 326 289 314 362 469 823 Housing..................................... 12,415 7,287 5,847 7,285 8,063 9,205 11,187 12,819 15,233 22,123 Shelter.................................. 7,421 4,866 3,460 4,305 4,843 5,546 6,700 7,624 8,838 13,440 Owned dwellings........................ 3,685 868 450 637 877 1,484 2,996 3,564 5,639 9,575 Mortgage interest and charges........ 2,569 549 240 361 509 923 2,040 2,602 4,005 6,810 Property taxes....................... 681 127 129 184 185 299 526 570 993 1,841 Maintenance, repairs, insurance,other expenses............................ 435 e/ 192 e/ 80 92 183 262 430 391 641 924 Rented dwellings....................... 3,472 3,876 2,958 3,504 3,855 3,934 3,582 3,881 2,897 3,040 Other lodging.......................... 265 e/ 122 e/ 53 164 112 128 122 179 302 824 Utilities, fuels, and public services.... 2,220 1,525 1,344 1,721 1,839 1,973 2,177 2,280 2,616 2,996 Natural gas............................ 247 124 123 177 206 227 222 269 294 358 Electricity............................ 794 594 561 688 713 733 792 811 907 957 Fuel oil and other fuels............... 53 e/ 29 e/ 14 e/ 39 e/ 23 37 59 64 68 84 Telephone services..................... 899 692 560 666 750 792 888 917 1,035 1,229 Water and other public services........ 227 86 87 150 147 183 216 219 312 367 Household operations..................... 761 259 301 292 337 406 508 711 1,064 1,856 Personal services...................... 556 186 196 230 255 312 381 545 802 1,280 Other household expenses............... 205 73 106 62 82 93 127 167 262 576 Housekeeping supplies.................... 442 183 292 258 192 278 432 568 565 702 Laundry and cleaning supplies.......... 121 38 62 105 84 95 120 140 164 145 Other household products............... 202 109 194 96 67 125 198 264 237 338 Postage and stationery................. 120 e/ 36 36 57 41 57 114 164 163 220 Household furnishings and equipment...... 1,570 455 450 709 852 1,003 1,370 1,636 2,150 3,129 Household textiles..................... 92 e/ 35 18 87 28 69 77 103 152 128 Furniture.............................. 457 136 149 233 255 294 358 412 566 1,056 Floor coverings........................ 30 e/ 19 e/ 4 e/ 12 e/ 18 11 26 29 32 77 Major appliances....................... 154 97 e/ 30 84 116 113 150 137 260 209 Small appliances, miscellaneous housewares............................ 80 22 16 49 38 76 85 75 92 139 Miscellaneous household equipment...... 758 146 233 245 397 441 674 880 1,048 1,520 Apparel and services........................ 2,016 1,616 863 1,222 1,306 1,697 2,226 2,028 2,251 3,103 Men and boys............................. 505 415 153 210 283 386 611 525 582 810 Men, 16 and over....................... 379 e/ 243 e/ 90 115 201 230 473 396 438 699 Boys, 2 to 15.......................... 126 172 62 94 82 156 138 129 144 111 Women and girls.......................... 657 602 227 549 413 557 684 610 739 1,027 Women, 16 and over..................... 530 490 141 438 247 419 578 468 616 893 Girls, 2 to 15......................... 128 112 86 111 166 138 106 142 123 134 Children under 2......................... 159 e/ 105 e/ 145 82 64 103 201 179 178 238 Footwear................................. 349 e/ 319 e/ 159 209 311 364 404 355 426 333 Other apparel products and services...... 346 174 178 172 235 286 327 358 325 695 Transportation.............................. 7,085 3,477 2,807 4,366 4,473 5,140 6,893 7,794 8,983 11,962 Vehicle purchases (net outlay)........... 3,303 1,727 e/ 1,327 2,488 2,098 2,413 3,312 3,649 4,000 5,395 Cars and trucks, new................... 1,197 e/ 203 e/ 421 e/ 616 e/ 441 580 941 e/ 653 1,851 3,039 Cars and trucks, used.................. 2,048 1,523 906 1,843 1,650 1,810 2,230 2,974 2,084 2,244 Other vehicles......................... 58 d/ d/ e/ 30 e/ 7 e/ 23 e/ 141 e/ 21 e/ 65 e/ 112 Gasoline and motor oil................... 1,060 597 476 697 784 914 1,074 1,139 1,340 1,494 Other vehicle expenses................... 2,359 987 791 996 1,413 1,599 2,214 2,672 3,289 4,153 Vehicle finance charges................ 426 175 80 114 230 260 439 526 661 703 Maintenance and repairs................ 605 371 277 381 486 473 551 705 777 886 Vehicle insurance...................... 721 301 201 336 450 546 777 811 947 1,166 Vehicle rental, leases, licenses, other charges.............................. 607 140 233 165 248 320 448 631 905 1,397 Public transportation.................... 363 166 213 185 179 214 294 334 354 919 Health care................................. 1,230 480 329 661 771 972 1,146 1,508 1,657 1,949 Health insurance......................... 613 179 139 303 421 504 610 795 822 905 Medical services......................... 384 197 88 185 206 303 327 470 512 671 Drugs.................................... 162 81 84 122 109 123 150 168 206 257 Medical supplies......................... 71 e/ 23 e/ 18 52 35 42 59 76 117 116 Entertainment............................... 1,869 981 699 1,069 1,021 1,232 1,402 1,932 2,706 3,516 Fees and admissions...................... 430 149 122 177 162 239 301 473 581 1,017 Television, radios, sound equipment...... 638 373 330 389 474 533 614 642 798 983 Pets, toys, and playground equipment..... 377 181 158 259 245 236 298 414 544 641 Other entertainment supplies, equipment,and services.................. 425 278 89 244 140 224 189 403 782 875 Personal care products and services......... 406 347 263 216 220 282 350 542 521 594 Reading..................................... 135 59 54 73 61 94 115 134 176 275 Education................................... 479 609 678 428 361 447 419 594 398 558 Tobacco products and smoking supplies....... 280 196 252 281 301 303 321 285 274 241 Miscellaneous............................... 816 343 561 391 399 575 803 971 1,051 1,357 Cash contributions.......................... 737 e/ 99 e/ 152 154 184 503 513 767 926 1,951 Personal insurance and pensions............. 4,346 219 435 890 1,458 2,209 3,208 4,545 6,761 10,716 Life and other personal insurance........ 243 e/ 70 76 75 94 155 156 196 406 550 Pensions and Social Security............. 4,103 149 359 814 1,364 2,055 3,052 4,350 6,356 10,165 Sources of income and personal taxes: a/ Money income before taxes.................. 42,111 1,729 7,691 12,425 17,340 24,779 34,333 44,136 58,073 100,414 Wages and salaries....................... 38,942 1,456 3,998 9,517 15,296 22,698 32,076 41,430 54,914 93,457 Self-employment income................... 1,565 -914 e/ 199 287 481 649 897 1,864 2,226 4,631 Social Security, private and government retirement................... 276 e/ 148 926 497 e/ 196 204 147 e/ 70 249 414 Interest, dividends, rental income, other property income................... 285 31 e/ 32 60 77 96 173 132 197 1,189 Unemployment and workers'' compensation, veterans'' benefits..................... 171 e/ 34 e/ 132 105 319 291 240 93 98 119 Public assistance, supplemental security, income, food stamps..................... 371 686 1,898 1,240 523 318 136 e/ 61 e/ 118 e/ 50 Regular contributions for support........ 291 115 271 436 262 246 435 325 164 310 Other income............................. 209 174 235 283 186 277 230 161 107 246 Personal taxes............................. 3,215 136 -45 -10 293 1,201 2,437 3,308 4,335 9,987 Federal income taxes..................... 2,458 128 -73 -110 125 851 1,856 2,488 3,352 7,813 State and local income taxes............. 683 -16 26 78 147 321 539 753 897 1,931 Other taxes.............................. 74 e/ 24 e/ 2 e/ 22 21 30 42 66 85 243 Income after taxes......................... 38,896 1,594 7,736 12,436 17,047 23,578 31,896 40,828 53,739 90,427 Net change in total assets and liabilities... -2,389 93 3,675 -620 52 1,696 104 1,202 -6,932 -11,927 Net change in total assets............... 8,527 7,294 1,892 173 1,300 4,071 6,716 8,725 5,907 28,475 Net change in total liabilities.......... 10,916 7,201 -1,782 793 1,248 2,376 6,613 7,523 12,839 40,402 Other financial information: Other money receipts..................... 932 e/ 215 e/ 271 37 188 130 286 231 1,464 3,642 Mortgage principal paid on owned property................................ -802 -186 -115 -136 -212 -302 -1,214 -664 -1,027 -1,829 Estimated market value of owned home..... 48,948 10,920 9,118 12,236 12,650 22,193 38,762 43,617 70,628 129,859 Estimated monthly rental value of owned home.................................... 380 85 83 101 123 181 330 373 572 895 Gifts of goods and services................. 748 661 365 377 377 652 754 772 860 1,226 Food..................................... 37 e/ 38 e/ 16 e/ 17 e/ 6 30 30 42 41 75 Housing.................................. 262 202 73 161 151 175 247 270 337 460 Housekeeping supplies.................. 41 e/ 34 e/ 11 e/ 19 e/ 13 17 40 59 49 79 Household textiles..................... 10 d/ c/ e/ 8 e/ 1 e/ 1 e/ 7 e/ 28 e/ 14 e/ 15 Appliances and miscellaneous housewares........................... 21 e/ 2 e/ 2 e/ 32 e/ 9 e/ 9 25 18 19 49 Major appliances..................... 2 e/ 2 d/ e/ 4 e/ 6 e/ 3 e/ 3 d/ e/ 2 e/ 2 Small appliances and miscellaneous housewares......................... 19 e/ 1 e/ 2 e/ 29 e/ 3 e/ 6 22 18 17 47 Miscellaneous household equipment...... 70 e/ 12 7 44 46 30 66 77 61 184 Other housing.......................... 119 154 54 57 82 117 109 88 194 134 Apparel and services..................... 206 307 116 67 101 267 197 217 210 268 Males, 2 and over...................... 50 e/ 156 e/ 14 e/ 16 e/ 6 62 50 45 36 88 Females, 2 and over.................... 47 e/ 45 e/ 22 e/ 17 46 39 34 58 62 65 Children under 2....................... 44 e/ 20 e/ 53 e/ 19 e/ 10 40 64 49 45 55 Other apparel products and services.... 65 e/ 86 e/ 27 e/ 15 e/ 39 125 50 65 67 59 Jewelry and watches.................. 42 e/ 28 e/ 15 e/ 10 e/ 28 92 39 39 36 38 All other apparel products and services............................ 23 e/ 58 e/ 12 e/ 5 e/ 11 e/ 34 e/ 11 e/ 26 e/ 31 e/ 22 Transportation........................... 28 12 4 9 17 26 41 20 30 51 Health care.............................. 7 e/ 1 c/ e/ 5 e/ 2 e/ 8 e/ 7 e/ 10 e/ 14 e/ 7 Entertainment............................ 72 33 e/ 24 30 35 54 53 66 102 149 Toys, games, hobbies, and tricycles.... 24 e/ 7 e/ 12 e/ 8 e/ 13 17 24 25 36 43 Other entertainment.................... 48 26 13 22 22 37 29 41 66 107 Education................................ 34 e/ 10 e/ 79 e/ 43 e/ 28 39 e/ 7 e/ 27 e/ 37 e/ 51 All other gifts.......................... 101 58 53 45 38 53 172 119 89 165 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. n.a. Not applicable.