Table 25. Consumer units with reference person under age 25 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 complete than to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 over Number of consumer units (in thousands)...... 6,214 1,461 1,089 871 687 961 526 618 Income before taxes a/ ...................... $17,547 $2,769 $7,174 $12,071 $17,162 $24,321 $34,391 $54,033 Income after taxes a/ ....................... 16,691 2,772 7,110 11,756 16,583 23,074 32,499 50,171 Age of the reference person.................. 21.4 20.4 20.9 21.5 21.9 22.3 22.1 22.6 Average number in consumer unit: Persons..................................... 1.8 1.3 1.5 1.6 1.9 2.1 2.3 2.8 Children under 18........................... .4 .2 .3 .3 .4 .4 .5 .6 Persons 65 and over......................... b/ b/ b/ b/ b/ b/ b/ b/ Earners..................................... 1.3 1.0 1.0 1.1 1.4 1.5 1.7 2.0 Vehicles.................................... 1.1 .5 .7 1.0 1.2 1.5 1.8 2.2 Percent distribution: Male........................................ 50 45 41 51 55 55 59 54 Female...................................... 50 55 59 49 45 45 41 46 Homeowner................................... 10 3 5 4 8 14 25 30 With mortgage.............................. 7 c/ 1 1 5 10 20 26 Without mortgage........................... 3 3 4 3 3 4 5 4 Renter...................................... 90 97 95 96 92 86 75 70 Black....................................... 11 13 14 12 11 10 5 8 White and other............................. 89 87 86 88 89 90 95 92 Elementary (1-8)............................ 2 1 2 2 3 2 3 2 High school (9-12).......................... 33 30 26 35 34 37 41 41 College..................................... 65 70 72 63 63 61 55 57 Never attended and other.................... c/ d/ d/ d/ d/ d/ 1 d/ At least one vehicle owned or leased........ 71 47 55 74 77 87 94 98 Average annual expenditures.................. $21,532 $11,596 $13,520 $18,138 $21,806 $27,698 $30,577 $43,178 Food........................................ 3,231 1,981 2,547 2,668 3,161 3,577 4,494 4,996 Food at home............................. 1,585 843 1,247 1,278 1,837 1,723 2,184 2,485 Cereals and bakery products............ 234 127 191 203 254 236 317 380 Cereals and cereal products.......... 86 49 67 64 87 88 134 142 Bakery products...................... 148 78 124 139 167 148 183 237 Meats, poultry, fish, and eggs......... 370 164 293 305 382 444 511 602 Beef................................. 121 40 75 105 132 144 180 219 Pork................................. 70 43 70 43 86 82 80 100 Other meats.......................... 51 26 39 44 46 61 64 86 Poultry.............................. 69 23 58 59 60 87 99 113 Fish and seafood..................... 41 21 37 33 44 46 58 58 Eggs................................. 19 12 14 21 14 22 30 26 Dairy products......................... 186 123 143 146 226 192 266 263 Fresh milk and cream................. 76 48 56 72 90 73 116 107 Other dairy products................. 110 75 88 74 136 120 151 156 Fruits and vegetables.................. 254 135 190 193 349 293 358 345 Fresh fruits......................... 75 48 52 57 101 82 102 105 Fresh vegetables..................... 67 40 49 45 88 80 99 93 Processed fruits..................... 69 24 56 56 121 77 93 85 Processed vegetables................. 42 23 33 34 39 53 64 62 Other food at home..................... 541 294 431 432 625 558 732 895 Sugar and other sweets............... 62 42 57 61 91 57 57 83 Fats and oils........................ 43 29 34 35 50 40 59 70 Miscellaneous foods.................. 260 110 219 194 255 297 371 455 Nonalcoholic beverages............... 151 91 101 123 204 135 221 249 Food prepared by consumer unit on out-of-town trips................... 24 22 21 19 24 28 25 38 Food away from home.................... 1,646 1,139 1,300 1,390 1,325 1,855 2,309 2,511 Alcoholic beverages......................... 375 298 190 342 364 462 493 581 Housing..................................... 6,457 3,280 4,189 5,510 7,298 8,007 9,453 12,948 Shelter.................................. 4,001 2,106 2,776 3,450 4,821 5,016 5,832 7,364 Owned dwellings........................ 467 112 98 61 237 635 1,137 1,951 Mortgage interest and charges........ 276 e/ 14 e/ 33 e/ 31 e/ 134 367 689 1,328 Property taxes....................... 104 83 53 17 44 128 177 338 Maintenance, repairs, insurance,other expenses............................ 87 e/ 15 e/ 12 e/ 14 e/ 58 140 271 285 Rented dwellings....................... 3,291 1,610 2,435 3,233 4,326 4,209 4,544 5,211 Other lodging.......................... 243 384 242 156 258 173 151 202 Utilities, fuels, and public services.... 1,130 542 741 1,074 1,301 1,485 1,713 2,044 Natural gas............................ 92 41 65 79 88 120 117 213 Electricity............................ 407 180 243 402 488 546 651 723 Fuel oil and other fuels............... 11 e/ 4 e/ 9 e/ 17 e/ 7 e/ 16 e/ 22 e/ 11 Telephone services..................... 553 292 385 519 648 706 823 941 Water and other public services........ 67 25 39 58 70 97 99 155 Household operations..................... 204 94 80 167 258 219 335 535 Personal services...................... 139 e/ 66 e/ 44 119 181 169 194 371 Other household expenses............... 65 28 36 48 77 49 142 164 Housekeeping supplies.................... 218 94 140 152 186 239 242 544 Laundry and cleaning supplies.......... 53 38 37 44 42 62 71 86 Other household products............... 93 31 56 67 99 107 88 238 Postage and stationery................. 72 26 46 41 45 70 83 221 Household furnishings and equipment...... 904 443 452 667 732 1,048 1,331 2,462 Household textiles..................... 45 34 27 63 24 65 34 68 Furniture.............................. 236 86 66 184 173 342 377 748 Floor coverings........................ 15 e/ 3 e/ 6 e/ 3 e/ 4 e/ 6 e/ 58 e/ 64 Major appliances....................... 107 33 41 60 56 140 101 417 Small appliances, miscellaneous housewares............................ 54 28 34 54 28 48 54 157 Miscellaneous household equipment...... 447 259 278 302 447 446 708 1,007 Apparel and services........................ 1,239 685 837 1,151 1,107 1,606 1,448 2,222 Men and boys............................. 246 103 123 134 195 325 294 656 Men, 16 and over....................... 220 93 113 119 e/ 143 306 e/ 266 577 Boys, 2 to 15.......................... 26 10 10 15 51 20 28 79 Women and girls.......................... 459 340 318 488 454 560 495 640 Women, 16 and over..................... 417 335 305 426 402 497 449 562 Girls, 2 to 15......................... 42 e/ 5 13 e/ 62 52 63 46 78 Children under 2......................... 96 e/ 37 e/ 45 e/ 99 e/ 92 134 e/ 121 179 Footwear................................. 241 e/ 74 e/ 205 240 e/ 197 353 e/ 293 362 Other apparel products and services...... 197 131 146 190 170 233 246 385 Transportation.............................. 4,838 2,211 1,872 4,322 4,888 7,312 7,027 11,224 Vehicle purchases (net outlay)........... 2,640 1,162 659 2,556 2,702 4,419 3,302 6,344 Cars and trucks, new................... 760 e/ 420 e/ 276 e/ 601 e/ 583 e/ 693 e/ 1,101 2,646 Cars and trucks, used.................. 1,803 741 383 1,955 1,891 3,550 2,120 3,513 Other vehicles......................... e/ 78 d/ d/ d/ e/ 228 e/ 176 e/ 81 e/ 184 Gasoline and motor oil................... 700 393 471 605 685 906 1,130 1,294 Other vehicle expenses................... 1,293 442 599 986 1,311 1,791 2,347 3,259 Vehicle finance charges................ 224 43 51 147 233 317 409 751 Maintenance and repairs................ 408 200 289 365 377 550 665 753 Vehicle insurance...................... 428 120 157 325 484 651 801 1,050 Vehicle rental, leases, licenses, other charges.............................. 234 79 103 149 217 273 472 704 Public transportation.................... 205 215 144 175 190 197 249 328 Health care................................. 532 193 206 362 639 771 979 1,245 Health insurance......................... 236 52 74 152 263 359 516 615 Medical services......................... 173 76 67 82 198 290 278 418 Drugs.................................... 92 46 43 107 147 82 137 160 Medical supplies......................... 31 e/ 19 23 e/ 21 32 39 48 52 Entertainment............................... 1,105 676 797 1,117 887 1,212 1,530 2,247 Fees and admissions...................... 275 211 239 266 217 268 390 476 Television, radios, sound equipment...... 464 259 338 452 465 562 674 857 Pets, toys, and playground equipment..... 175 65 112 253 102 185 232 391 Other entertainment supplies, equipment,and services.................. 191 141 107 146 102 197 234 523 Personal care products and services......... 281 171 188 233 261 348 342 496 Reading..................................... 69 51 56 62 75 70 103 114 Education................................... 1,234 1,555 1,729 978 1,211 1,207 689 491 Tobacco products and smoking supplies....... 220 115 128 219 239 301 315 405 Miscellaneous............................... 336 107 155 215 277 653 487 760 Cash contributions.......................... 238 77 171 158 164 251 291 870 Personal insurance and pensions............. 1,375 197 456 801 1,235 1,921 2,926 4,578 Life and other personal insurance........ 59 e/ 22 e/ 42 e/ 17 44 88 102 168 Pensions and Social Security............. 1,316 175 414 784 1,190 1,833 2,825 4,409 Sources of income and personal taxes: a/ Money income before taxes.................. 17,547 2,769 7,174 12,071 17,162 24,321 34,391 54,033 Wages and salaries....................... 15,369 2,076 5,071 9,571 14,223 22,134 31,335 50,271 Self-employment income................... 336 e/ 21 e/ 75 e/ 40 e/ 476 e/ 244 e/ 1,107 1,283 Social Security, private and government retirement................... 89 e/ 17 e/ 139 e/ 116 e/ 151 e/ 8 e/ 92 e/ 190 Interest, dividends, rental income, other property income................... 181 26 35 42 99 365 86 884 Unemployment and workers'' compensation, veterans'' benefits..................... 84 e/ 15 e/ 36 e/ 29 e/ 91 e/ 95 e/ 410 e/ 103 Public assistance, supplemental security, income, food stamps..................... 329 196 675 498 306 192 e/ 147 e/ 186 Regular contributions for support........ 641 211 562 1,150 1,029 690 e/ 459 726 Other income............................. 519 208 581 624 787 591 754 391 Personal taxes............................. 856 -3 63 315 579 1,247 1,892 3,863 Federal income taxes..................... 652 -7 38 235 422 949 1,415 3,022 State and local income taxes............. 197 3 23 78 150 288 456 819 Other taxes.............................. 7 c/ e/ 2 e/ 2 e/ 7 e/ 10 e/ 21 e/ 22 Income after taxes......................... 16,691 2,772 7,110 11,756 16,583 23,074 32,499 50,171 Net change in total assets and liabilities... 175 -357 797 -1,243 2,717 17 -2,568 2,086 Net change in total assets............... 2,631 429 1,255 150 4,675 1,749 4,529 11,244 Net change in total liabilities.......... 2,457 786 458 1,393 1,957 1,731 7,097 9,158 Other financial information: Other money receipts..................... 302 255 196 e/ 140 e/ 23 995 e/ 180 e/ 161 Mortgage principal paid on owned property................................ -162 e/ -3 e/ -16 e/ -7 e/ -39 -101 -189 -1,222 Estimated market value of owned home..... 7,813 4,071 2,409 e/ 1,995 3,776 7,401 15,829 32,686 Estimated monthly rental value of owned home.................................... 66 32 23 e/ 21 37 81 147 227 Gifts of goods and services................. 549 469 484 366 490 791 431 757 Food..................................... 20 e/ 39 e/ 19 18 e/ 24 e/ 6 e/ 4 e/ 14 Housing.................................. 159 178 116 114 118 189 141 218 Housekeeping supplies.................. 23 e/ 11 e/ 15 e/ 7 e/ 21 35 e/ 26 49 Household textiles..................... e/ 3 d/ e/ 9 d/ c/ c/ e/ 6 e/ 8 Appliances and miscellaneous housewares........................... 8 e/ 6 e/ 3 e/ 17 e/ 2 e/ 8 e/ 2 e/ 22 Major appliances..................... 5 e/ 4 e/ 2 e/ 12 d/ c/ d/ e/ 14 Small appliances and miscellaneous housewares......................... 4 e/ 2 e/ 1 e/ 5 e/ 2 e/ 8 e/ 2 e/ 9 Miscellaneous household equipment...... 44 28 32 12 15 106 17 85 Other housing.......................... 80 133 57 77 79 39 e/ 91 e/ 54 Apparel and services..................... 149 61 161 141 174 213 123 173 Males, 2 and over...................... 31 e/ 22 e/ 25 e/ 4 e/ 63 55 e/ 7 42 Females, 2 and over.................... 37 e/ 2 e/ 31 e/ 28 e/ 43 74 39 e/ 51 Children under 2....................... 35 c/ e/ 30 e/ 63 e/ 29 e/ 24 e/ 63 e/ 47 Other apparel products and services.... 47 e/ 38 e/ 75 e/ 46 e/ 40 e/ 60 e/ 13 e/ 32 Jewelry and watches.................. 26 e/ 33 e/ 31 e/ 46 e/ 7 e/ 22 e/ 13 e/ 11 All other apparel products and services............................ 21 e/ 5 e/ 44 c/ e/ 33 e/ 38 d/ e/ 21 Transportation........................... 64 42 15 20 9 195 25 156 Health care.............................. e/ 3 e/ 1 e/ 1 c/ e/ 1 e/ 2 e/ 15 e/ 6 Entertainment............................ 37 26 27 28 59 39 31 66 Toys, games, hobbies, and tricycles.... 14 6 e/ 9 e/ 13 e/ 12 e/ 12 e/ 16 42 Other entertainment.................... 23 20 19 15 47 26 15 24 Education................................ 56 e/ 87 e/ 108 e/ 13 e/ 47 e/ 38 e/ 22 e/ 14 All other gifts.......................... 61 34 36 33 58 108 69 110 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.