Table 32. Midwestern region 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)...... 19,238 826 1,718 2,045 1,632 2,839 2,413 1,704 2,724 3,335 Income before taxes a/ ...................... $41,447 $1,369 $7,786 $12,313 $17,348 $24,571 $34,417 $44,199 $58,792 $102,268 Income after taxes a/ ....................... 38,224 1,353 7,649 12,014 16,625 23,423 32,257 40,732 53,925 92,576 Age of the reference person.................. 48.0 37.7 56.0 57.6 52.5 49.8 45.5 44.6 42.7 44.8 Average number in consumer unit: Persons..................................... 2.4 1.8 1.5 1.7 2.1 2.3 2.4 2.7 3.1 3.2 Children under 18........................... .7 .5 .3 .3 .5 .6 .6 .7 1.0 1.0 Persons 65 and over......................... .3 .1 .5 .6 .6 .5 .3 .2 .1 .1 Earners..................................... 1.4 1.0 .5 .7 .9 1.1 1.4 1.6 2.0 2.1 Vehicles.................................... 2.2 1.2 .9 1.4 1.5 2.0 2.2 2.6 2.9 3.1 Percent distribution: Male........................................ 58 48 32 40 49 58 65 64 68 71 Female...................................... 42 52 68 60 51 42 35 36 32 29 Homeowner................................... 68 29 42 57 55 64 69 74 81 93 With mortgage.............................. 40 14 7 11 18 26 41 48 63 78 Without mortgage........................... 28 15 35 46 36 38 28 25 19 15 Renter...................................... 32 71 58 43 45 36 31 26 19 7 Black....................................... 8 14 18 9 11 8 6 7 6 5 White and other............................. 92 86 82 91 89 92 94 93 94 95 Elementary (1-8)............................ 4 4 13 10 7 4 3 2 1 b/ High school (9-12).......................... 43 41 59 54 51 50 42 38 34 27 College..................................... 53 55 27 36 42 46 55 60 65 73 Never attended and other.................... b/ b/ 1 b/ c/ c/ b/ c/ c/ b/ At least one vehicle owned or leased........ 90 68 61 81 88 92 96 97 99 99 Average annual expenditures.................. $37,087 $18,875 $13,631 $20,059 $23,363 $28,025 $33,763 $37,466 $49,530 $70,638 Food........................................ 4,864 2,855 2,263 2,652 3,411 4,086 4,712 5,250 6,430 8,019 Food at home............................. 2,747 1,736 1,490 1,708 2,206 2,460 2,717 3,072 3,483 4,008 Cereals and bakery products............ 429 291 269 282 346 382 424 465 520 628 Cereals and cereal products.......... 146 89 98 95 122 126 158 159 167 212 Bakery products...................... 283 201 171 186 224 256 266 306 353 416 Meats, poultry, fish, and eggs......... 653 383 406 390 551 583 686 734 838 887 Beef................................. 207 124 117 103 163 191 214 232 306 262 Pork................................. 144 88 98 89 142 133 151 180 158 188 Other meats.......................... 98 67 61 73 84 77 109 107 119 132 Poultry.............................. 110 61 65 67 87 97 109 125 136 162 Fish and seafood..................... 70 d/ 21 42 40 54 57 75 65 91 116 Eggs................................. 25 23 23 19 23 27 28 24 29 28 Dairy products......................... 312 188 154 210 224 281 294 333 420 463 Fresh milk and cream................. 125 93 71 96 91 110 132 131 160 168 Other dairy products................. 187 95 83 114 133 171 163 202 260 295 Fruits and vegetables.................. 441 277 222 318 351 419 418 473 513 673 Fresh fruits......................... 138 77 61 117 107 132 126 146 157 219 Fresh vegetables..................... 126 80 69 92 97 117 120 121 149 198 Processed fruits..................... 96 71 52 61 76 87 88 114 106 156 Processed vegetables................. 80 49 40 48 72 84 84 92 100 101 Other food at home..................... 912 596 438 509 734 794 894 1,067 1,192 1,357 Sugar and other sweets............... 117 64 72 70 118 114 107 123 145 160 Fats and oils........................ 74 55 48 43 71 76 79 81 91 90 Miscellaneous foods.................. 426 259 194 224 318 355 424 535 544 671 Nonalcoholic beverages............... 248 193 111 155 193 212 245 276 356 339 Food prepared by consumer unit on out-of-town trips................... 47 26 12 18 34 37 40 53 57 97 Food away from home.................... 2,117 1,119 773 944 1,205 1,627 1,995 2,178 2,947 4,011 Alcoholic beverages......................... 324 229 114 157 190 267 275 275 460 622 Housing..................................... 11,262 5,900 5,302 6,839 7,774 8,789 9,960 11,475 14,236 20,605 Shelter.................................. 6,178 3,355 2,815 3,674 4,253 4,765 5,516 6,194 7,706 11,517 Owned dwellings........................ 4,172 1,406 970 1,805 1,917 2,600 3,433 4,190 5,743 9,643 Mortgage interest and charges........ 2,206 597 215 315 634 1,064 1,760 2,317 3,538 5,711 Property taxes....................... 1,084 339 421 718 648 842 831 1,104 1,313 2,238 Maintenance, repairs, insurance,other expenses............................ 882 470 334 772 634 695 842 769 891 1,694 Rented dwellings....................... 1,570 1,592 1,755 1,660 2,132 1,904 1,852 1,649 1,422 733 Other lodging.......................... 436 357 91 209 204 260 230 354 541 1,140 Utilities, fuels, and public services.... 2,379 1,257 1,595 1,843 1,953 2,185 2,349 2,509 2,820 3,357 Natural gas............................ 379 193 284 303 331 352 331 414 448 528 Electricity............................ 829 442 598 681 700 790 834 900 958 1,089 Fuel oil and other fuels............... 70 d/ 26 44 66 58 85 93 72 71 69 Telephone services..................... 824 492 521 608 648 715 833 826 985 1,236 Water and other public services........ 276 104 148 185 217 244 258 297 357 434 Household operations..................... 590 207 225 321 248 272 320 513 852 1,494 Personal services...................... 344 d/ 120 138 152 105 107 169 300 559 915 Other household expenses............... 246 87 87 169 143 166 151 213 293 580 Housekeeping supplies.................... 540 224 206 284 342 416 510 606 749 963 Laundry and cleaning supplies.......... 136 73 62 101 101 113 126 135 175 223 Other household products............... 251 91 86 110 155 195 239 296 354 458 Postage and stationery................. 153 60 57 73 87 108 146 175 220 281 Household furnishings and equipment...... 1,575 857 460 717 978 1,152 1,264 1,653 2,110 3,275 Household textiles..................... 119 135 39 78 68 85 63 64 181 254 Furniture.............................. 353 175 96 203 250 311 301 350 440 676 Floor coverings........................ 51 d/ 22 d/ 10 54 12 45 40 21 89 94 Major appliances....................... 167 136 44 84 144 131 184 217 213 258 Small appliances, miscellaneous housewares............................ 95 32 35 42 49 80 79 104 102 216 Miscellaneous household equipment...... 790 357 236 257 454 500 597 897 1,085 1,776 Apparel and services........................ 1,663 1,042 611 618 719 1,368 1,952 1,543 1,999 3,337 Men and boys............................. 443 310 91 120 176 281 626 390 538 966 Men, 16 and over....................... 350 168 60 78 108 211 550 306 412 798 Boys, 2 to 15.......................... 93 142 31 41 68 70 76 84 126 168 Women and girls.......................... 631 355 233 260 252 569 696 647 736 1,247 Women, 16 and over..................... 512 254 190 229 204 466 591 550 585 982 Girls, 2 to 15......................... 119 101 43 31 48 103 106 97 151 266 Children under 2......................... 60 d/ 38 d/ 15 d/ 22 d/ 26 46 71 95 73 105 Footwear................................. 298 d/ 206 184 105 115 312 371 216 370 508 Other apparel products and services...... 231 133 88 111 150 161 188 195 282 510 Transportation.............................. 6,814 3,725 1,736 4,089 4,329 5,262 6,498 7,305 9,232 12,410 Vehicle purchases (net outlay)........... 3,145 1,941 641 2,241 1,946 2,504 2,919 3,172 4,188 5,717 Cars and trucks, new................... 1,243 d/ 554 d/ 169 1,429 d/ 631 993 791 d/ 731 1,522 2,726 Cars and trucks, used.................. 1,861 1,387 461 802 1,307 1,407 2,101 2,328 2,651 2,949 Other vehicles......................... 41 c/ d/ 10 d/ 9 d/ 8 d/ 104 d/ 27 d/ 113 d/ 14 d/ 43 Gasoline and motor oil................... 1,054 600 393 586 726 906 1,107 1,259 1,444 1,621 Other vehicle expenses................... 2,264 1,033 601 1,099 1,365 1,641 2,215 2,556 3,280 4,171 Vehicle finance charges................ 336 192 37 108 177 200 386 382 527 641 Maintenance and repairs................ 644 339 243 416 411 482 609 774 886 1,082 Vehicle insurance...................... 733 358 216 451 519 605 772 804 1,043 1,163 Vehicle rental, leases, licenses, other charges.............................. 552 145 106 124 257 354 449 597 824 1,285 Public transportation.................... 351 151 101 164 293 210 256 317 319 901 Health care................................. 2,158 913 1,300 2,047 2,363 2,081 2,056 2,057 2,398 2,865 Health insurance......................... 1,016 377 662 1,000 1,135 1,111 1,005 993 1,073 1,200 Medical services......................... 596 268 236 436 493 461 513 611 789 1,023 Drugs.................................... 412 175 345 461 560 385 422 330 415 449 Medical supplies......................... 134 93 56 150 175 124 117 123 121 193 Entertainment............................... 2,043 881 527 1,194 987 1,470 1,773 2,041 3,106 3,962 Fees and admissions...................... 469 219 84 202 223 294 281 470 602 1,195 Television, radios, sound equipment...... 597 339 279 361 429 464 630 596 845 940 Pets, toys, and playground equipment..... 398 157 104 229 216 322 331 449 545 772 Other entertainment supplies, equipment,and services.................. 578 166 60 403 118 390 531 527 1,115 1,055 Personal care products and services......... 399 283 157 191 244 321 401 438 499 725 Reading..................................... 178 86 83 122 124 150 167 162 225 315 Education................................... 584 938 315 147 350 254 430 377 791 1,346 Tobacco products and smoking supplies....... 340 306 250 246 315 344 408 363 394 355 Miscellaneous............................... 932 630 417 610 576 791 912 839 1,280 1,548 Cash contributions.......................... 1,285 334 271 637 1,012 953 926 993 1,657 2,963 Personal insurance and pensions............. 4,242 754 284 509 969 1,888 3,294 4,349 6,824 11,566 Life and other personal insurance........ 400 455 112 118 218 306 335 330 572 821 Pensions and Social Security............. 3,842 299 172 390 751 1,582 2,959 4,018 6,252 10,746 Sources of income and personal taxes: a/ Money income before taxes.................. 41,447 1,369 7,786 12,313 17,348 24,571 34,417 44,199 58,792 102,268 Wages and salaries....................... 33,018 2,287 1,681 3,929 8,422 14,792 26,504 35,503 52,232 89,926 Self-employment income................... 2,109 -2,189 192 278 282 1,093 1,745 2,528 2,623 6,672 Social Security, private and government retirement................... 4,686 558 4,608 6,844 7,382 7,276 4,938 4,298 2,579 2,636 Interest, dividends, rental income, other property income................... 735 33 109 213 249 560 561 1,008 720 1,939 Unemployment and workers'' compensation, veterans'' benefits..................... 163 d/ 76 d/ 25 92 97 145 316 214 165 210 Public assistance, supplemental security, income, food stamps..................... 304 371 881 617 479 314 125 d/ 298 83 d/ 19 Regular contributions for support........ 219 82 60 185 231 271 154 265 296 263 Other income............................. 213 152 230 155 207 120 75 85 94 602 Personal taxes............................. 3,223 16 137 300 724 1,149 2,160 3,467 4,867 9,692 Federal income taxes..................... 2,326 -33 50 133 428 701 1,525 2,478 3,506 7,279 State and local income taxes............. 753 9 22 64 165 293 531 859 1,219 2,141 Other taxes.............................. 144 d/ 40 65 103 131 154 103 130 142 272 Income after taxes......................... 38,224 1,353 7,649 12,014 16,625 23,423 32,257 40,732 53,925 92,576 Net change in total assets and liabilities... -1,779 -2,929 -314 -1,562 -735 306 -2,522 -1,003 -217 -5,801 Net change in total assets............... 4,467 -1,326 48 -113 1,495 4,545 2,665 2,387 8,020 11,841 Net change in total liabilities.......... 6,246 1,603 362 1,449 2,230 4,240 5,187 3,390 8,238 17,642 Other financial information: Other money receipts..................... 589 d/ 2,725 d/ 31 62 158 136 501 385 979 1,114 Mortgage principal paid on owned property................................ -1,227 -328 -115 -201 -335 -657 -1,421 -1,036 -1,669 -3,174 Estimated market value of owned home..... 73,057 21,894 27,262 44,858 46,456 56,279 55,372 73,136 92,057 151,170 Estimated monthly rental value of owned home.................................... 534 178 212 335 369 401 448 546 669 1,049 Gifts of goods and services................. 1,064 612 296 548 637 634 954 689 1,376 2,504 Food..................................... 71 d/ 26 24 17 24 17 35 43 117 209 Housing.................................. 284 161 110 138 167 189 226 203 420 609 Housekeeping supplies.................. 44 d/ 21 15 23 23 39 40 35 61 84 Household textiles..................... 17 b/ d/ 1 d/ 3 d/ 15 13 17 d/ 15 27 36 Appliances and miscellaneous housewares........................... 33 d/ 8 d/ 2 17 d/ 11 25 40 25 32 85 Major appliances..................... 7 d/ 6 c/ b/ d/ 4 d/ 3 d/ 5 d/ 6 d/ 14 18 Small appliances and miscellaneous housewares......................... 25 d/ 1 d/ 2 16 d/ 7 22 35 19 17 66 Miscellaneous household equipment...... 76 14 53 22 44 63 46 88 85 173 Other housing.......................... 114 118 39 73 74 49 83 39 215 232 Apparel and services..................... 207 144 66 111 148 148 252 175 192 447 Males, 2 and over...................... 67 53 d/ 15 28 44 51 79 72 41 166 Females, 2 and over.................... 66 d/ 18 19 27 39 42 93 56 74 141 Children under 2....................... 28 d/ 1 d/ 10 d/ 16 d/ 10 20 47 d/ 22 33 55 Other apparel products and services.... 46 d/ 72 d/ 22 40 54 36 33 24 44 85 Jewelry and watches.................. 19 d/ 13 d/ 9 21 26 9 14 13 23 33 All other apparel products and services............................ 27 d/ 59 d/ 13 d/ 19 d/ 29 d/ 27 d/ 19 d/ 11 21 52 Transportation........................... 48 100 6 18 65 20 20 29 58 113 Health care.............................. 55 d/ 2 d/ 26 d/ 148 d/ 27 d/ 46 63 d/ 35 57 48 Entertainment............................ 101 44 26 55 78 64 124 74 126 202 Toys, games, hobbies, and tricycles.... 38 14 14 22 26 36 44 35 51 61 Other entertainment.................... 63 30 12 34 51 28 80 39 75 141 Education................................ 163 d/ 75 d/ 2 d/ 10 d/ 26 41 d/ 52 d/ 46 287 574 All other gifts.......................... 135 60 37 50 103 109 182 84 120 301 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.