Table 38. Consumer units of three persons 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)...... 13,075 438 684 852 868 1,794 1,590 1,344 2,343 3,161 Income before taxes a/ ...................... $51,118 $1,302 $7,778 $12,627 $17,428 $24,619 $34,301 $44,398 $58,620 $107,833 Income after taxes a/ ....................... 47,076 879 7,977 12,712 17,353 24,251 32,647 41,520 54,226 96,650 Age of the reference person.................. 43.2 37.9 42.8 42.0 43.2 43.7 42.5 42.6 42.3 45.4 Average number in consumer unit: Persons..................................... 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 Children under 18........................... .8 1.2 1.2 1.1 .9 .8 .8 .8 .7 .6 Persons 65 and over......................... .2 b/ .1 .2 .2 .3 .3 .2 .1 .1 .1 Earners..................................... 1.8 1.1 .9 1.2 1.4 1.5 1.7 1.9 2.1 2.2 Vehicles.................................... 2.4 1.5 1.1 1.5 1.7 2.0 2.4 2.6 2.7 3.1 Percent distribution: Male........................................ 58 32 24 40 43 52 59 66 67 72 Female...................................... 42 68 76 60 57 48 41 34 33 28 Homeowner................................... 68 38 34 38 47 55 68 71 80 91 With mortgage.............................. 50 22 15 20 23 28 42 54 67 78 Without mortgage........................... 18 15 18 18 23 27 25 17 13 13 Renter...................................... 32 62 66 62 53 45 32 29 20 9 Black....................................... 13 22 34 27 23 17 10 9 9 6 White and other............................. 87 78 66 73 77 83 90 91 91 94 Elementary (1-8)............................ 5 10 12 10 14 9 5 4 2 c/ High school (9-12).......................... 40 56 60 62 53 52 45 36 31 22 College..................................... 55 33 28 28 33 38 49 60 67 78 Never attended and other.................... c/ 1 1 c/ 0 1 c/ d/ d/ d/ At least one vehicle owned or leased........ 92 66 65 76 87 91 97 98 98 99 Average annual expenditures.................. $44,909 $24,631 $19,274 $20,185 $26,383 $29,920 $34,942 $42,312 $51,206 $75,072 Food........................................ 6,089 4,496 3,764 3,280 4,537 4,880 5,268 6,151 6,422 8,841 Food at home............................. 3,499 3,205 2,711 2,308 3,008 3,191 3,059 3,624 3,658 4,400 Cereals and bakery products............ 530 487 467 332 432 478 480 574 553 643 Cereals and cereal products.......... 181 185 177 124 149 170 174 197 171 215 Bakery products...................... 349 302 290 208 283 308 306 376 382 428 Meats, poultry, fish, and eggs......... 898 1,063 750 657 787 850 810 917 910 1,061 Beef................................. 271 249 213 195 233 255 228 275 288 334 Pork................................. 185 214 196 158 199 189 169 180 191 189 Other meats.......................... 110 149 84 96 95 125 102 115 102 118 Poultry.............................. 170 222 132 108 139 144 157 179 171 213 Fish and seafood..................... 126 183 85 68 84 101 121 126 123 172 Eggs................................. 36 45 39 33 38 36 33 43 35 35 Dairy products......................... 389 323 281 276 351 337 336 378 409 510 Fresh milk and cream................. 151 147 116 138 127 131 134 157 158 181 Other dairy products................. 238 176 165 137 224 206 201 222 251 330 Fruits and vegetables.................. 583 554 424 347 518 514 525 574 584 779 Fresh fruits......................... 177 194 113 102 173 152 172 152 171 243 Fresh vegetables..................... 179 166 132 118 179 149 147 169 185 244 Processed fruits..................... 130 108 99 74 103 112 121 135 125 179 Processed vegetables................. 97 86 80 53 63 102 85 118 103 113 Other food at home..................... 1,100 777 789 696 919 1,012 908 1,181 1,201 1,407 Sugar and other sweets............... 134 118 129 94 145 111 111 135 146 159 Fats and oils........................ 95 93 75 55 83 101 74 101 104 113 Miscellaneous foods.................. 519 298 331 287 410 484 429 565 566 694 Nonalcoholic beverages............... 297 243 242 246 266 275 251 327 327 339 Food prepared by consumer unit on out-of-town trips................... 55 b/ 25 b/ 12 b/ 14 14 40 43 53 58 102 Food away from home.................... 2,590 1,292 1,053 973 1,530 1,688 2,209 2,527 2,764 4,441 Alcoholic beverages......................... 355 329 96 117 266 234 238 266 411 645 Housing..................................... 13,782 8,728 7,319 7,472 8,806 9,213 10,880 12,446 15,244 22,480 Shelter.................................. 7,840 5,241 4,018 4,188 4,862 5,067 6,086 6,910 8,482 13,208 Owned dwellings........................ 5,343 2,055 1,395 1,349 1,781 2,305 3,574 4,463 6,282 11,000 Mortgage interest and charges........ 3,318 1,331 554 701 799 1,164 2,152 2,792 4,165 6,992 Property taxes....................... 1,170 475 461 323 647 585 794 980 1,244 2,337 Maintenance, repairs, insurance,other expenses............................ 856 249 380 325 335 556 627 691 872 1,672 Rented dwellings....................... 2,012 2,975 2,525 2,741 2,875 2,581 2,281 2,159 1,715 1,035 Other lodging.......................... 485 211 b/ 97 98 206 180 232 288 485 1,173 Utilities, fuels, and public services.... 2,734 2,121 2,056 1,966 2,175 2,393 2,556 2,583 2,896 3,555 Natural gas............................ 309 239 235 205 266 257 266 295 317 424 Electricity............................ 1,020 783 870 822 842 929 976 982 1,057 1,251 Fuel oil and other fuels............... 87 b/ 91 b/ 44 b/ 43 60 91 118 65 81 110 Telephone services..................... 983 851 725 676 777 846 894 915 1,062 1,288 Water and other public services........ 336 158 182 220 230 269 302 325 380 482 Household operations..................... 826 367 215 283 394 364 536 693 865 1,720 Personal services...................... 509 250 136 208 262 240 374 501 599 933 Other household expenses............... 316 117 79 76 131 124 162 191 267 788 Housekeeping supplies.................... 581 260 443 298 319 402 428 579 693 904 Laundry and cleaning supplies.......... 138 95 102 131 124 129 105 152 161 155 Other household products............... 285 130 299 108 139 187 219 233 309 489 Postage and stationery................. 159 b/ 35 42 58 55 86 103 194 224 259 Household furnishings and equipment...... 1,801 739 588 738 1,056 988 1,274 1,682 2,308 3,093 Household textiles..................... 127 51 18 15 150 87 57 107 145 243 Furniture.............................. 456 280 48 289 313 304 304 367 514 812 Floor coverings........................ 44 b/ 1 b/ 32 b/ 3 b/ 7 18 44 51 52 78 Major appliances....................... 201 b/ 75 142 98 235 149 139 200 267 262 Small appliances, miscellaneous housewares............................ 112 28 23 25 80 59 73 101 150 204 Miscellaneous household equipment...... 862 305 326 309 270 372 656 857 1,181 1,494 Apparel and services........................ 2,121 1,295 1,102 1,187 1,342 1,642 1,976 1,789 2,132 3,421 Men and boys............................. 501 190 205 141 229 507 403 443 558 818 Men, 16 and over....................... 386 b/ 87 b/ 98 b/ 81 95 348 291 332 451 702 Boys, 2 to 15.......................... 116 103 107 60 134 158 112 112 106 116 Women and girls.......................... 776 623 394 584 442 507 720 686 777 1,257 Women, 16 and over..................... 644 525 272 485 251 331 630 566 658 1,107 Girls, 2 to 15......................... 133 98 122 98 190 175 91 120 119 150 Children under 2......................... 152 b/ 79 b/ 190 b/ 96 75 100 174 143 140 218 Footwear................................. 368 b/ 200 205 219 391 333 490 290 355 462 Other apparel products and services...... 324 203 108 147 205 196 188 228 303 666 Transportation.............................. 8,931 3,832 3,270 4,112 5,202 6,412 6,431 9,991 11,215 13,740 Vehicle purchases (net outlay)........... 4,286 b/ 1,603 1,360 1,996 2,472 3,165 2,328 5,427 5,989 6,279 Cars and trucks, new................... 1,998 d/ b/ 275 b/ 453 b/ 300 1,172 b/ 570 1,627 3,169 4,010 Cars and trucks, used.................. 2,213 1,603 1,085 1,523 1,968 1,976 1,734 3,613 2,768 2,162 Other vehicles......................... 75 d/ d/ b/ 21 b/ 203 b/ 17 b/ 25 b/ 186 b/ 52 b/ 107 Gasoline and motor oil................... 1,287 830 694 723 892 1,002 1,242 1,362 1,498 1,735 Other vehicle expenses................... 2,958 1,220 1,122 1,295 1,677 2,021 2,572 2,817 3,347 4,903 Vehicle finance charges................ 460 251 94 146 284 278 495 504 614 655 Maintenance and repairs................ 823 279 410 598 530 610 682 849 873 1,278 Vehicle insurance...................... 983 527 401 400 632 735 911 997 1,115 1,499 Vehicle rental, leases, licenses, other charges.............................. 692 162 218 151 231 397 484 467 746 1,470 Public transportation.................... 401 179 94 98 161 224 289 385 381 823 Health care................................. 2,038 1,563 918 1,126 1,570 1,782 1,927 2,048 2,302 2,724 Health insurance......................... 961 655 372 513 772 932 964 1,132 1,017 1,203 Medical services......................... 619 584 272 289 388 450 490 492 811 923 Drugs.................................... 350 245 238 268 346 330 382 335 330 426 Medical supplies......................... 110 b/ 79 36 56 64 71 91 89 144 172 Entertainment............................... 2,171 1,380 741 733 966 1,275 1,850 1,634 2,884 3,689 Fees and admissions...................... 495 289 107 92 171 200 296 398 534 1,086 Television, radios, sound equipment...... 705 548 332 407 466 542 630 681 820 1,012 Pets, toys, and playground equipment..... 419 294 178 147 202 265 310 363 572 675 Other entertainment supplies, equipment,and services.................. 551 249 125 86 128 269 614 192 958 915 Personal care products and services......... 499 445 224 230 276 364 438 537 494 798 Reading..................................... 175 94 50 52 86 100 122 160 213 319 Education................................... 767 469 266 166 545 427 402 352 802 1,672 Tobacco products and smoking supplies....... 367 419 404 333 394 342 389 370 405 328 Miscellaneous............................... 1,082 644 321 273 813 693 1,117 1,119 1,070 1,813 Cash contributions.......................... 1,185 b/ 199 338 287 283 651 698 1,101 1,378 2,437 Personal insurance and pensions............. 5,345 738 461 817 1,297 1,906 3,205 4,348 6,234 12,166 Life and other personal insurance........ 475 495 160 157 203 267 342 368 445 953 Pensions and Social Security............. 4,870 243 300 660 1,094 1,639 2,863 3,979 5,789 11,213 Sources of income and personal taxes: a/ Money income before taxes.................. 51,118 1,302 7,778 12,627 17,428 24,619 34,301 44,398 58,620 107,833 Wages and salaries....................... 44,103 2,126 3,010 7,562 11,955 17,911 28,289 39,258 53,397 95,491 Self-employment income................... 2,535 b/ -2391 b/ 162 469 540 1,070 1,070 1,319 2,064 7,269 Social Security, private and government retirement................... 2,656 332 1,889 2,734 3,478 4,273 3,593 2,806 1,885 2,016 Interest, dividends, rental income, other property income................... 633 b/ 8 b/ 51 62 98 161 158 238 485 1,931 Unemployment and workers'' compensation, veterans'' benefits..................... 193 b/ 26 b/ 133 b/ 58 154 170 301 162 177 259 Public assistance, supplemental security, income, food stamps..................... 381 761 1,954 1,337 666 428 288 b/ 138 b/ 44 b/ 25 Regular contributions for support........ 389 156 384 253 368 481 512 308 414 365 Other income............................. 229 b/ 283 195 b/ 152 170 123 89 169 154 477 Personal taxes............................. 4,042 423 -199 -85 76 368 1,654 2,878 4,395 11,183 Federal income taxes..................... 3,119 292 -236 -174 -63 159 1,139 2,158 3,297 8,952 State and local income taxes............. 748 -17 -9 62 101 149 418 583 892 1,848 Other taxes.............................. 175 b/ 149 b/ 45 27 38 61 96 137 206 382 Income after taxes......................... 47,076 879 7,977 12,712 17,353 24,251 32,647 41,520 54,226 96,650 Net change in total assets and liabilities... -3,785 2,272 1,272 -1,127 2,554 803 -296 -4,321 -8,974 -8,461 Net change in total assets............... 7,730 10,497 2,870 1,137 3,961 5,298 6,279 7,001 4,541 15,995 Net change in total liabilities.......... 11,514 8,224 1,599 2,264 1,407 4,495 6,575 11,322 13,516 24,455 Other financial information: Other money receipts..................... 699 b/ 2,061 119 b/ 61 124 253 329 336 1,198 1,188 Mortgage principal paid on owned property................................ -1,371 -541 -248 -374 -415 -489 -945 -1,085 -1,408 -3,068 Estimated market value of owned home..... 89,977 41,610 30,875 33,472 41,269 48,361 63,355 77,438 93,652 177,712 Estimated monthly rental value of owned home.................................... 635 276 235 245 322 384 467 561 707 1,169 Gifts of goods and services................. 1,245 655 435 363 428 699 782 1,008 1,320 2,555 Food..................................... 105 b/ 31 b/ 16 b/ 11 b/ 11 36 32 102 80 280 Housing.................................. 386 272 125 101 151 244 209 427 432 717 Housekeeping supplies.................. 54 b/ 9 b/ 10 b/ 11 b/ 11 58 29 59 51 104 Household textiles..................... 22 d/ c/ c/ c/ b/ 3 b/ 3 23 24 60 Appliances and miscellaneous housewares........................... 42 d/ b/ 3 b/ 2 b/ 12 19 b/ 17 32 91 67 Major appliances..................... 9 d/ b/ 1 d/ b/ 10 b/ 7 b/ 2 b/ 9 b/ 17 12 Small appliances and miscellaneous housewares......................... 33 d/ b/ 2 b/ 2 b/ 2 b/ 12 b/ 15 23 75 55 Miscellaneous household equipment...... 80 b/ 10 b/ 22 b/ 18 17 45 34 136 78 151 Other housing.......................... 189 253 90 69 111 118 126 176 188 335 Apparel and services..................... 249 b/ 140 207 76 106 134 248 228 265 421 Males, 2 and over...................... 57 b/ 11 36 b/ 7 b/ 33 26 41 39 40 139 Females, 2 and over.................... 78 b/ 40 48 b/ 19 b/ 22 60 58 104 82 127 Children under 2....................... 62 b/ 15 b/ 119 b/ 33 b/ 26 35 80 57 47 92 Other apparel products and services.... 52 b/ 74 b/ 5 b/ 18 b/ 25 b/ 13 68 28 97 64 Jewelry and watches.................. 17 b/ 10 b/ 5 b/ 5 b/ 7 b/ 3 b/ 6 b/ 12 47 22 All other apparel products and services............................ 34 b/ 65 c/ b/ 12 b/ 18 b/ 10 b/ 63 b/ 16 b/ 50 42 Transportation........................... 60 10 4 88 8 37 21 42 79 112 Health care.............................. 38 b/ 1 b/ 14 b/ 24 b/ 5 b/ 80 b/ 52 b/ 12 26 49 Entertainment............................ 86 b/ 19 b/ 33 b/ 26 48 63 65 51 117 150 Toys, games, hobbies, and tricycles.... 29 b/ 4 b/ 20 b/ 15 b/ 6 24 30 25 33 44 Other entertainment.................... 57 b/ 15 b/ 14 11 42 39 34 26 85 105 Education................................ 197 b/ 82 b/ 7 b/ 2 b/ 42 b/ 39 b/ 37 b/ 36 198 586 All other gifts.......................... 125 100 29 35 57 65 118 111 122 240 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Data are likely to have large sampling errors. c Value less than 0.5. d No data reported. n.a. Not applicable.