Table 31. Northeastern 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)...... 15,590 888 1,344 1,510 1,372 1,994 1,716 1,390 2,178 3,197 Income before taxes a/ ...................... $46,809 $2,134 $7,760 $12,421 $17,371 $24,422 $34,374 $44,203 $58,614 $118,241 Income after taxes a/ ....................... 43,242 1,515 7,831 12,277 16,845 23,115 32,453 41,033 54,641 107,215 Age of the reference person.................. 49.2 38.7 56.5 59.9 56.8 51.5 46.7 44.2 44.7 45.7 Average number in consumer unit: Persons..................................... 2.4 1.9 1.7 1.8 2.0 2.2 2.4 2.4 2.9 3.1 Children under 18........................... .6 .5 .4 .4 .4 .4 .6 .6 .8 .8 Persons 65 and over......................... .3 .2 .5 .6 .7 .6 .3 .2 .1 .1 Earners..................................... 1.3 .9 .5 .6 .8 1.0 1.4 1.5 1.9 2.1 Vehicles.................................... 1.7 .7 .8 1.0 1.2 1.5 1.8 2.0 2.3 2.5 Percent distribution: Male........................................ 57 47 33 36 49 56 58 60 68 74 Female...................................... 43 53 67 64 51 44 42 40 32 26 Homeowner................................... 61 22 31 48 54 61 61 66 76 84 With mortgage.............................. 36 10 6 14 12 20 33 44 59 67 Without mortgage........................... 26 12 25 34 42 41 28 21 17 17 Renter...................................... 39 78 69 52 46 39 39 34 24 16 Black....................................... 11 18 16 12 13 11 11 9 8 7 White and other............................. 89 82 84 88 87 89 89 91 92 93 Elementary (1-8)............................ 6 7 17 14 11 5 5 2 2 b/ High school (9-12).......................... 40 50 52 52 51 48 42 35 35 22 College..................................... 54 43 30 33 38 46 53 63 63 77 Never attended and other.................... b/ c/ b/ c/ c/ 1 b/ c/ b/ c/ At least one vehicle owned or leased........ 81 43 45 67 75 84 88 91 95 95 Average annual expenditures.................. $39,881 $18,212 $15,581 $21,074 $23,632 $27,784 $34,544 $40,948 $49,373 $75,318 Food........................................ 5,654 3,113 2,878 3,229 3,779 4,273 5,034 6,399 6,957 9,344 Food at home............................. 3,204 1,817 2,043 2,115 2,395 2,795 2,869 3,683 4,170 4,407 Cereals and bakery products............ 503 279 332 336 412 440 443 613 627 679 Cereals and cereal products.......... 175 122 118 121 128 154 153 238 219 221 Bakery products...................... 328 157 213 216 283 287 290 375 408 458 Meats, poultry, fish, and eggs......... 851 634 543 546 627 744 743 943 1,156 1,141 Beef................................. 245 148 147 150 169 209 202 259 379 329 Pork................................. 155 76 125 103 124 140 141 167 215 191 Other meats.......................... 113 52 80 75 87 103 97 118 159 150 Poultry.............................. 170 171 89 104 106 170 156 206 202 231 Fish and seafood..................... 133 151 76 85 109 88 114 155 158 198 Eggs................................. 36 36 26 30 32 35 33 38 43 42 Dairy products......................... 367 175 243 253 305 311 369 416 461 484 Fresh milk and cream................. 137 79 95 96 128 118 149 151 162 170 Other dairy products................. 230 97 148 157 177 192 220 265 299 315 Fruits and vegetables.................. 578 350 333 400 413 518 516 637 715 840 Fresh fruits......................... 181 121 108 123 131 161 160 221 211 259 Fresh vegetables..................... 177 113 101 127 124 153 168 184 223 253 Processed fruits..................... 134 63 76 91 95 126 120 135 160 208 Processed vegetables................. 86 52 48 59 64 78 67 97 121 119 Other food at home..................... 905 379 592 580 638 783 799 1,075 1,212 1,263 Sugar and other sweets............... 123 57 71 80 79 96 106 173 192 149 Fats and oils........................ 85 53 57 61 75 73 78 105 109 106 Miscellaneous foods.................. 403 141 263 244 269 376 360 487 520 574 Nonalcoholic beverages............... 242 97 188 178 185 209 216 245 326 328 Food prepared by consumer unit on out-of-town trips................... 52 31 14 16 31 28 38 65 65 107 Food away from home.................... 2,450 1,297 835 1,115 1,383 1,477 2,165 2,715 2,787 4,936 Alcoholic beverages......................... 411 379 135 192 311 285 304 408 422 832 Housing..................................... 13,360 6,891 5,986 8,551 9,118 9,867 11,548 12,844 15,610 24,170 Shelter.................................. 8,124 4,438 3,696 5,136 5,500 5,860 7,097 7,724 9,500 14,748 Owned dwellings........................ 5,176 1,571 1,081 2,253 2,356 3,064 3,891 4,653 6,790 11,625 Mortgage interest and charges........ 2,597 745 289 510 594 963 1,755 2,501 3,848 6,589 Property taxes....................... 1,734 556 586 1,054 1,236 1,329 1,448 1,490 2,056 3,372 Maintenance, repairs, insurance,other expenses............................ 845 270 206 690 526 772 688 662 886 1,664 Rented dwellings....................... 2,414 2,717 2,447 2,577 2,901 2,492 2,919 2,666 2,108 1,808 Other lodging.......................... 534 150 168 306 243 304 287 405 603 1,314 Utilities, fuels, and public services.... 2,439 1,304 1,371 1,806 1,964 2,254 2,362 2,541 2,832 3,550 Natural gas............................ 358 149 199 311 339 369 369 385 361 488 Electricity............................ 820 433 437 608 650 756 755 840 1,004 1,202 Fuel oil and other fuels............... 219 83 113 162 219 218 207 224 255 308 Telephone services..................... 825 556 534 601 592 702 804 876 951 1,207 Water and other public services........ 217 83 87 124 165 208 227 215 262 344 Household operations..................... 591 226 176 294 338 318 330 490 597 1,467 Personal services...................... 281 d/ 99 d/ 69 d/ 120 145 143 136 305 345 665 Other household expenses............... 310 127 106 174 193 175 195 184 251 802 Housekeeping supplies.................... 544 182 219 326 308 439 463 548 745 938 Laundry and cleaning supplies.......... 115 38 58 83 83 108 95 131 174 150 Other household products............... 271 96 98 160 133 194 200 242 385 522 Postage and stationery................. 158 49 63 82 92 138 167 176 186 266 Household furnishings and equipment...... 1,663 741 524 988 1,008 996 1,297 1,542 1,936 3,468 Household textiles..................... 127 101 71 61 127 65 104 106 157 229 Furniture.............................. 404 240 56 236 124 234 378 317 431 933 Floor coverings........................ 59 d/ 52 d/ 13 d/ 59 16 67 24 35 30 144 Major appliances....................... 210 d/ 58 101 232 175 194 154 233 163 364 Small appliances, miscellaneous housewares............................ 107 31 21 33 62 46 51 96 225 205 Miscellaneous household equipment...... 756 260 261 366 505 390 586 753 930 1,592 Apparel and services........................ 2,012 1,092 765 902 1,410 1,124 1,872 1,880 2,426 3,965 Men and boys............................. 493 199 135 110 144 248 490 479 629 1,113 Men, 16 and over....................... 390 d/ 154 107 73 96 182 376 341 516 919 Boys, 2 to 15.......................... 103 46 28 37 48 67 114 139 113 195 Women and girls.......................... 765 508 324 446 852 349 577 713 980 1,378 Women, 16 and over..................... 660 457 300 385 769 295 460 626 822 1,202 Girls, 2 to 15......................... 105 50 24 61 83 54 117 87 158 176 Children under 2......................... 71 d/ 63 d/ 35 d/ 48 d/ 55 d/ 41 33 80 72 146 Footwear................................. 342 d/ 115 152 154 220 212 424 290 437 606 Other apparel products and services...... 341 206 119 144 139 274 348 317 309 722 Transportation.............................. 6,506 2,628 2,156 3,025 3,477 4,446 6,270 7,469 8,866 11,740 Vehicle purchases (net outlay)........... 2,733 d/ 1,121 d/ 934 1,220 1,149 1,646 2,655 3,499 4,040 4,828 Cars and trucks, new................... 1,380 d/ 441 d/ 406 d/ 384 d/ 657 d/ 589 1,360 1,653 1,761 2,956 Cars and trucks, used.................. 1,350 680 528 829 492 1,056 1,295 1,844 2,279 1,864 Other vehicles......................... d/ 3 c/ c/ d/ 7 c/ d/ 1 c/ d/ 1 c/ d/ 8 Gasoline and motor oil................... 908 433 328 450 533 681 905 1,045 1,274 1,493 Other vehicle expenses................... 2,295 726 707 1,028 1,425 1,729 2,148 2,347 3,054 4,264 Vehicle finance charges................ 249 89 38 67 95 149 264 354 423 426 Maintenance and repairs................ 648 222 240 325 585 587 616 639 827 1,056 Vehicle insurance...................... 839 278 272 432 522 638 849 873 1,099 1,489 Vehicle rental, leases, licenses, other charges.............................. 558 137 157 205 223 355 419 482 705 1,293 Public transportation.................... 570 349 187 327 370 391 562 578 498 1,155 Health care................................. 1,839 822 992 1,421 1,915 2,075 1,743 1,611 1,982 2,546 Health insurance......................... 883 390 634 786 997 1,084 842 726 901 1,075 Medical services......................... 521 254 129 182 349 473 493 482 649 967 Drugs.................................... 325 149 168 358 456 413 317 302 304 342 Medical supplies......................... 110 d/ 29 60 95 113 105 92 101 128 163 Entertainment............................... 1,867 813 695 896 1,029 1,246 1,636 1,784 2,339 3,702 Fees and admissions...................... 524 203 172 168 214 254 406 493 626 1,240 Television, radios, sound equipment...... 677 359 330 416 503 536 547 716 829 1,148 Pets, toys, and playground equipment..... 349 105 123 155 248 277 288 346 512 609 Other entertainment supplies, equipment,and services.................. 318 147 70 156 64 179 396 229 373 705 Personal care products and services......... 452 225 200 340 323 360 394 445 542 755 Reading..................................... 210 103 72 113 127 154 174 222 245 405 Education................................... 782 992 502 406 164 555 531 423 727 1,752 Tobacco products and smoking supplies....... 328 249 211 242 267 266 359 435 445 360 Miscellaneous............................... 893 398 436 386 510 634 1,023 874 1,044 1,624 Cash contributions.......................... 1,164 94 266 809 362 834 736 1,239 1,658 2,419 Personal insurance and pensions............. 4,403 412 288 564 840 1,665 2,922 4,916 6,108 11,703 Life and other personal insurance........ 447 102 71 186 190 212 269 788 549 958 Pensions and Social Security............. 3,956 309 217 378 650 1,453 2,652 4,129 5,559 10,744 Sources of income and personal taxes: a/ Money income before taxes.................. 46,809 2,134 7,760 12,421 17,371 24,422 34,374 44,203 58,614 118,241 Wages and salaries....................... 37,715 1,435 1,692 3,644 6,851 14,166 26,548 38,018 51,877 103,179 Self-employment income................... 2,437 d/ -616 d/ 184 d/ 201 526 737 752 1,212 2,068 8,857 Social Security, private and government retirement................... 4,790 570 4,214 7,014 8,202 8,002 5,695 3,939 3,185 2,662 Interest, dividends, rental income, other property income................... 877 19 71 257 665 675 457 412 752 2,476 Unemployment and workers'' compensation, veterans'' benefits..................... 222 d/ 20 154 152 214 267 328 260 248 222 Public assistance, supplemental security, income, food stamps..................... 346 458 1,106 837 484 235 207 d/ 7 170 114 Regular contributions for support........ 215 d/ 69 138 103 296 170 251 119 220 354 Other income............................. 208 d/ 178 202 214 134 171 136 236 94 376 Personal taxes............................. 3,567 620 -71 145 526 1,308 1,921 3,170 3,972 11,026 Federal income taxes..................... 2,606 533 -149 12 268 754 1,213 2,150 2,838 8,513 State and local income taxes............. 694 -8 4 1 93 258 449 775 876 2,006 Other taxes.............................. 267 d/ 95 73 132 165 296 259 245 259 506 Income after taxes......................... 43,242 1,515 7,831 12,277 16,845 23,115 32,453 41,033 54,641 107,215 Net change in total assets and liabilities... -2,276 -2,582 1,579 3,693 -2,119 -351 -3,395 -2,529 -4,415 -5,731 Net change in total assets............... 6,012 -2,103 2,093 4,936 -2,543 1,413 2,535 6,137 7,187 17,973 Net change in total liabilities.......... 8,288 480 514 1,243 -424 1,764 5,930 8,666 11,603 23,704 Other financial information: Other money receipts..................... 643 d/ 78 133 28 199 536 905 694 215 1,693 Mortgage principal paid on owned property................................ -1,250 -315 -172 -336 -512 -561 -789 -1,042 -1,612 -3,232 Estimated market value of owned home..... 90,653 31,576 36,997 51,901 58,750 75,029 64,251 77,137 100,030 185,021 Estimated monthly rental value of owned home.................................... 644 217 246 403 475 544 502 586 770 1,194 Gifts of goods and services................. 1,309 601 443 696 536 715 1,038 1,118 1,374 3,033 Food..................................... 128 d/ 30 d/ 15 40 14 30 123 102 80 398 Housing.................................. 362 238 120 251 192 203 228 325 403 779 Housekeeping supplies.................. 49 d/ 5 d/ 13 22 29 38 43 60 76 80 Household textiles..................... 21 d/ 2 d/ 17 d/ 6 d/ 14 d/ 4 d/ 22 d/ 19 d/ 6 58 Appliances and miscellaneous housewares........................... 50 d/ 2 d/ 1 d/ 38 d/ 51 39 d/ 22 d/ 51 106 71 Major appliances..................... 19 c/ d/ 1 d/ 37 d/ 46 d/ 24 d/ 14 d/ 37 d/ 7 10 Small appliances and miscellaneous housewares......................... 32 d/ 2 b/ d/ 2 d/ 5 15 d/ 8 d/ 14 99 61 Miscellaneous household equipment...... 82 47 14 28 28 34 46 113 101 192 Other housing.......................... 161 181 74 157 70 88 95 83 114 379 Apparel and services..................... 278 91 135 122 117 206 181 304 340 575 Males, 2 and over...................... 69 d/ 29 37 28 21 30 40 90 114 130 Females, 2 and over.................... 107 11 d/ 29 26 52 73 56 98 111 281 Children under 2....................... 34 d/ 6 d/ 19 d/ 42 d/ 15 d/ 17 d/ 17 52 21 75 Other apparel products and services.... 68 d/ 45 d/ 50 d/ 26 d/ 30 85 68 63 93 88 Jewelry and watches.................. 35 d/ 32 d/ 13 d/ 11 d/ 9 80 27 38 34 44 All other apparel products and services............................ 32 d/ 12 d/ 37 d/ 15 d/ 21 d/ 5 d/ 41 d/ 26 d/ 59 44 Transportation........................... 57 58 6 23 30 31 61 45 36 140 Health care.............................. 19 d/ 11 d/ 3 d/ 13 d/ 5 d/ 49 d/ 31 d/ 4 13 24 Entertainment............................ 114 d/ 46 35 100 75 79 89 113 138 207 Toys, games, hobbies, and tricycles.... 39 d/ 8 13 15 23 32 42 53 67 54 Other entertainment.................... 75 38 22 85 52 47 47 60 71 154 Education................................ 217 d/ 89 d/ 90 d/ 73 d/ 21 d/ 77 d/ 93 d/ 53 241 664 All other gifts.......................... 134 39 39 74 83 39 232 173 123 247 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.