Table 40. Consumer units of five or more persons by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Complete reporting of income Item Total Less $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to and reporting $10,000 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over Number of consumer units (in thousands)...... 8,042 476 527 550 1,181 1,027 863 1,493 1,925 Income before taxes a/ ...................... $52,363 $3,706 $12,680 $17,530 $24,843 $34,300 $44,617 $58,447 $110,500 Income after taxes a/ ....................... 49,457 3,635 12,640 17,950 24,441 33,061 43,039 55,014 102,544 Age of the reference person.................. 41.0 42.1 40.6 40.6 39.2 39.1 40.0 41.1 43.6 Average number in consumer unit: Persons..................................... 5.6 5.8 5.7 5.5 5.6 5.5 5.5 5.6 5.5 Children under 18........................... 2.9 3.3 3.0 3.1 3.1 2.9 2.8 2.8 2.6 Persons 65 and over......................... .1 .1 .1 .2 .1 .1 .1 .1 .1 Earners..................................... 2.2 1.6 1.6 1.6 1.8 2.2 2.2 2.5 2.7 Vehicles.................................... 2.6 1.5 1.5 1.7 2.2 2.5 2.8 2.9 3.5 Percent distribution: Male........................................ 62 40 43 53 63 63 65 66 70 Female...................................... 38 60 57 47 37 37 35 34 30 Homeowner................................... 69 43 37 35 57 62 72 82 92 With mortgage.............................. 55 28 18 21 42 47 58 70 81 Without mortgage........................... 14 15 20 14 15 15 14 12 11 Renter...................................... 31 57 63 65 43 38 28 18 8 Black....................................... 15 26 26 25 19 14 18 11 7 White and other............................. 85 74 74 75 81 86 82 89 93 Elementary (1-8)............................ 9 16 24 21 13 9 7 4 3 High school (9-12).......................... 43 62 61 52 56 49 43 38 24 College..................................... 47 21 14 25 30 42 49 57 73 Never attended and other.................... b/ 1 1 2 1 c/ b/ b/ c/ At least one vehicle owned or leased........ 93 71 78 82 92 98 96 98 99 Average annual expenditures.................. $48,258 $25,984 $23,005 $26,689 $32,167 $39,481 $43,086 $53,532 $79,084 Food........................................ 7,870 6,016 4,769 5,436 5,751 7,488 7,236 8,536 10,910 Food at home............................. 5,057 4,152 3,789 3,897 4,196 5,047 4,618 5,617 6,174 Cereals and bakery products............ 780 623 546 579 629 734 693 883 1,004 Cereals and cereal products.......... 310 331 248 247 253 295 282 346 362 Bakery products...................... 470 292 298 332 376 438 411 537 642 Meats, poultry, fish, and eggs......... 1,449 1,411 1,259 1,233 1,211 1,452 1,267 1,689 1,607 Beef................................. 456 383 352 305 335 454 411 671 477 Pork................................. 291 324 231 288 257 315 291 271 318 Other meats.......................... 181 158 164 122 151 177 140 229 212 Poultry.............................. 273 210 319 241 252 266 237 296 305 Fish and seafood..................... 184 274 129 212 147 161 136 166 236 Eggs................................. 63 64 65 66 70 78 52 56 59 Dairy products......................... 566 449 365 385 465 605 515 641 698 Fresh milk and cream................. 238 188 170 213 200 280 201 265 272 Other dairy products................. 328 261 194 172 266 324 313 375 426 Fruits and vegetables.................. 784 596 599 670 659 822 683 801 989 Fresh fruits......................... 250 177 187 187 209 260 211 259 331 Fresh vegetables..................... 234 203 181 222 210 273 201 230 266 Processed fruits..................... 174 104 125 140 143 156 162 181 239 Processed vegetables................. 126 111 106 121 96 133 109 130 153 Other food at home..................... 1,477 1,073 1,021 1,029 1,231 1,435 1,461 1,603 1,876 Sugar and other sweets............... 193 154 118 170 160 197 161 218 241 Fats and oils........................ 137 112 133 116 128 134 146 143 146 Miscellaneous foods.................. 681 442 475 483 571 681 706 742 842 Nonalcoholic beverages............... 401 346 272 239 330 378 400 430 515 Food prepared by consumer unit on out-of-town trips................... 66 d/ 19 d/ 22 d/ 21 43 45 47 70 133 Food away from home.................... 2,814 1,865 980 1,539 1,556 2,441 2,618 2,919 4,735 Alcoholic beverages......................... 266 242 143 63 135 152 199 220 547 Housing..................................... 14,580 8,934 8,061 9,229 10,887 12,331 13,456 15,242 22,691 Shelter.................................. 8,193 4,966 4,690 5,266 5,746 6,918 7,375 8,485 13,110 Owned dwellings........................ 5,732 2,333 1,286 1,491 2,852 4,175 4,916 6,587 11,304 Mortgage interest and charges........ 3,793 1,440 688 827 1,725 2,745 3,254 4,565 7,544 Property taxes....................... 1,157 426 304 342 601 794 928 1,277 2,351 Maintenance, repairs, insurance,other expenses............................ 782 467 294 321 526 636 734 745 1,408 Rented dwellings....................... 2,081 2,582 3,332 3,714 2,796 2,552 2,195 1,454 894 Other lodging.......................... 380 d/ 51 d/ 71 d/ 61 98 191 264 444 912 Utilities, fuels, and public services.... 3,121 2,385 2,266 2,430 2,819 2,924 3,158 3,285 3,882 Natural gas............................ 374 337 277 332 328 357 380 340 484 Electricity............................ 1,206 1,012 947 964 1,121 1,129 1,207 1,246 1,456 Fuel oil and other fuels............... 84 d/ 54 d/ 42 d/ 49 78 47 83 132 101 Telephone services..................... 1,039 697 752 824 935 1,020 1,079 1,098 1,275 Water and other public services........ 417 286 248 261 357 371 408 469 565 Household operations..................... 790 227 140 247 374 476 674 977 1,593 Personal services...................... 516 d/ 147 d/ 51 d/ 181 265 320 495 723 940 Other household expenses............... 274 80 89 66 109 156 179 255 654 Housekeeping supplies.................... 718 462 367 359 480 696 667 669 1,150 Laundry and cleaning supplies.......... 223 167 140 194 211 234 197 224 280 Other household products............... 327 184 163 127 174 343 288 296 564 Postage and stationery................. 167 111 d/ 65 37 95 119 182 149 306 Household furnishings and equipment...... 1,758 893 598 927 1,468 1,317 1,582 1,825 2,955 Household textiles..................... 138 89 48 57 101 55 128 209 213 Furniture.............................. 413 177 153 149 336 286 421 471 683 Floor coverings........................ 54 d/ 31 d/ 9 d/ 6 d/ 6 38 23 28 158 Major appliances....................... 202 191 178 154 145 143 218 175 300 Small appliances, miscellaneous housewares............................ 100 54 29 28 80 71 123 66 187 Miscellaneous household equipment...... 851 351 180 533 800 725 669 876 1,414 Apparel and services........................ 2,748 1,889 1,970 1,913 2,172 2,725 2,450 2,274 4,175 Men and boys............................. 773 450 296 486 513 899 707 625 1,254 Men, 16 and over....................... 495 213 d/ 159 255 296 593 446 390 855 Boys, 2 to 15.......................... 278 237 137 231 217 305 262 235 399 Women and girls.......................... 903 586 716 551 604 766 890 763 1,451 Women, 16 and over..................... 601 410 525 335 311 498 552 504 1,029 Girls, 2 to 15......................... 303 176 191 216 294 268 337 259 422 Children under 2......................... 183 d/ 218 205 d/ 161 173 194 212 131 193 Footwear................................. 586 459 506 495 678 640 467 473 727 Other apparel products and services...... 303 176 247 221 203 226 174 283 550 Transportation.............................. 9,363 4,357 4,152 5,104 6,215 7,156 8,433 10,899 15,563 Vehicle purchases (net outlay)........... 4,355 1,894 1,829 2,395 2,914 2,719 3,540 5,301 7,604 Cars and trucks, new................... 1,741 d/ 206 d/ 252 d/ 843 d/ 867 d/ 590 d/ 1,137 1,004 4,778 Cars and trucks, used.................. 2,566 1,688 1,577 1,552 2,018 2,128 2,381 4,146 2,771 Other vehicles......................... 48 c/ c/ c/ d/ 28 c/ d/ 22 d/ 150 d/ 55 Gasoline and motor oil................... 1,550 892 859 1,060 1,225 1,414 1,599 1,746 2,140 Other vehicle expenses................... 3,011 1,328 1,080 1,402 1,899 2,678 3,031 3,504 4,865 Vehicle finance charges................ 515 243 107 251 337 498 465 692 771 Maintenance and repairs................ 880 328 377 334 568 873 954 1,043 1,327 Vehicle insurance...................... 998 396 411 579 653 904 1,037 1,146 1,556 Vehicle rental, leases, licenses, other charges.............................. 619 360 184 238 340 403 575 624 1,212 Public transportation.................... 447 243 383 246 177 346 262 347 954 Health care................................. 1,972 829 668 1,009 1,241 1,736 1,999 2,361 3,136 Health insurance......................... 930 404 308 472 636 813 1,095 1,112 1,389 Medical services......................... 605 209 115 213 337 484 494 762 1,104 Drugs.................................... 314 168 209 269 208 293 294 362 432 Medical supplies......................... 124 d/ 47 d/ 36 55 60 147 116 124 212 Entertainment............................... 2,352 1,455 929 1,028 1,279 1,614 2,108 2,864 4,050 Fees and admissions...................... 565 306 136 199 228 258 408 560 1,286 Television, radios, sound equipment...... 766 424 493 471 585 679 732 853 1,114 Pets, toys, and playground equipment..... 433 243 221 256 299 357 378 505 673 Other entertainment supplies, equipment,and services.................. 589 481 80 102 166 320 590 946 977 Personal care products and services......... 571 497 292 291 353 414 455 654 925 Reading..................................... 149 67 52 67 69 101 102 178 291 Education................................... 798 158 198 245 308 401 599 957 1,746 Tobacco products and smoking supplies....... 388 288 349 345 389 418 387 444 379 Miscellaneous............................... 975 377 304 392 557 838 880 1,357 1,549 Cash contributions.......................... 1,159 d/ 349 331 376 595 1,058 554 1,443 2,260 Personal insurance and pensions............. 5,066 525 786 1,193 2,217 3,050 4,228 6,105 10,861 Life and other personal insurance........ 495 265 146 147 250 253 363 633 978 Pensions and Social Security............. 4,571 260 640 1,046 1,967 2,797 3,865 5,472 9,883 Sources of income and personal taxes: a/ Money income before taxes.................. 52,363 3,706 12,680 17,530 24,843 34,300 44,617 58,447 110,500 Wages and salaries....................... 46,263 2,779 7,481 12,089 20,374 29,186 38,759 52,107 101,236 Self-employment income................... 2,488 -2,062 d/ 275 d/ 550 1,015 2,153 3,153 3,328 4,904 Social Security, private and government retirement................... 1,599 1,129 1,550 1,739 1,670 1,258 958 1,530 2,168 Interest, dividends, rental income, other property income................... 261 d/ 23 d/ 6 d/ 12 67 114 124 169 791 Unemployment and workers'' compensation, veterans'' benefits..................... 256 d/ 63 d/ 66 377 162 447 332 361 163 Public assistance, supplemental security, income, food stamps..................... 845 1,454 2,859 2,173 1,140 567 570 409 191 Regular contributions for support........ 426 d/ 95 d/ 243 d/ 462 247 387 419 438 672 Other income............................. 225 d/ 225 d/ 200 d/ 127 167 d/ 189 302 105 374 Personal taxes............................. 2,906 71 41 -420 403 1,240 1,578 3,433 7,956 Federal income taxes..................... 2,118 8 -147 -487 176 791 1,131 2,465 6,076 State and local income taxes............. 644 27 25 -3 175 334 364 764 1,635 Other taxes.............................. 145 d/ 37 d/ 162 d/ 69 51 114 83 204 245 Income after taxes......................... 49,457 3,635 12,640 17,950 24,441 33,061 43,039 55,014 102,544 Net change in total assets and liabilities... -1,003 -4,689 -808 715 1,717 1,577 -2,403 -1,359 -2,777 Net change in total assets............... 7,234 -3,867 3,702 1,259 4,618 5,035 7,551 10,385 12,847 Net change in total liabilities.......... 8,237 822 4,510 543 2,901 3,458 9,954 11,743 15,624 Other financial information: Other money receipts..................... 201 d/ 59 d/ 29 d/ 8 57 64 304 104 528 Mortgage principal paid on owned property................................ -1,643 -572 -226 -772 -729 -944 -1,087 -2,129 -3,349 Estimated market value of owned home..... 91,724 42,973 25,943 28,700 54,328 58,544 68,617 101,411 183,299 Estimated monthly rental value of owned home.................................... 653 294 215 205 358 469 547 759 1,236 Gifts of goods and services................. 813 341 328 418 440 480 676 929 1,517 Food..................................... 55 d/ 16 d/ 25 d/ 21 d/ 17 66 26 83 91 Housing.................................. 223 68 91 125 193 129 226 263 351 Housekeeping supplies.................. 40 d/ 26 d/ 14 d/ 15 d/ 15 22 44 31 84 Household textiles..................... 9 b/ d/ 1 d/ 11 d/ 2 d/ 9 d/ 5 d/ 21 d/ 8 Appliances and miscellaneous housewares........................... 18 d/ 3 c/ d/ 2 d/ 13 d/ 5 d/ 41 d/ 11 33 Major appliances..................... 5 c/ c/ c/ d/ 7 b/ d/ 6 d/ 4 11 Small appliances and miscellaneous housewares......................... 13 d/ 3 c/ d/ 2 d/ 6 d/ 5 d/ 36 d/ 8 22 Miscellaneous household equipment...... 42 d/ 13 d/ 2 d/ 14 17 17 49 67 70 Other housing.......................... 115 d/ 27 74 82 147 76 87 133 156 Apparel and services..................... 224 129 88 179 108 133 218 227 400 Males, 2 and over...................... 59 d/ 28 d/ 15 d/ 19 31 23 46 53 133 Females, 2 and over.................... 53 d/ 68 d/ 5 d/ 21 12 22 89 55 88 Children under 2....................... 58 d/ 15 d/ 39 d/ 31 d/ 47 73 d/ 31 54 96 Other apparel products and services.... 53 d/ 17 d/ 29 d/ 109 d/ 18 d/ 16 d/ 52 66 84 Jewelry and watches.................. 13 d/ 1 d/ 10 d/ 6 d/ 2 d/ 2 d/ 2 d/ 8 40 All other apparel products and services............................ 40 d/ 17 d/ 19 d/ 102 d/ 15 d/ 14 d/ 49 d/ 58 d/ 44 Transportation........................... 49 23 18 22 31 9 16 67 105 Health care.............................. 16 d/ 3 d/ 3 c/ d/ 1 d/ 14 d/ 1 d/ 23 41 Entertainment............................ 81 d/ 35 d/ 23 d/ 26 42 51 42 92 169 Toys, games, hobbies, and tricycles.... 21 d/ 7 d/ 8 d/ 3 d/ 8 11 d/ 15 40 34 Other entertainment.................... 60 d/ 28 d/ 14 23 34 40 27 52 135 Education................................ 75 d/ 7 d/ 3 d/ 13 d/ 17 d/ 13 d/ 70 70 206 All other gifts.......................... 89 59 78 32 31 66 77 104 154 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.