Table 1201. Income before taxes: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 1995 ____________________________________________________________________________________________________________________________________ | | Complete reporting of income 1/ _ | ___________________________________________________________________________________________ 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).| 83,455 | 4,693 | 9,827 | 8,744 | 7,729 | 12,658 | 10,652 | 8,200 | 10,375 | 10,577 | | | | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | | | | | | | Income before taxes 2/................| $36,918 | $1,769 | $7,543 |$12,417 |$17,342 |$24,603 |$34,604 |$44,409 |$58,365 |$104,590 Income after taxes 2/.................| 33,864 | 1,679 | 7,415 | 12,094 | 16,716 | 23,250 | 32,044 | 40,989 | 52,919 | 93,570 Age of reference person...............| 48.1 | 45.3 | 54.8 | 53.5 | 51.2 | 48.1 | 44.6 | 44.9 | 44.6 | 46.1 | | | | | | | | | | Average number in consumer unit: | | | | | | | | | | Persons.............................| 2.5 | 1.8 | 1.8 | 2.1 | 2.2 | 2.5 | 2.7 | 2.8 | 3.1 | 3.1 Children under 18...................| .7 | .4 | .5 | .6 | .6 | .7 | .8 | .8 | .9 | .8 Persons 65 and over.................| .3 | .3 | .5 | .6 | .5 | .4 | .2 | .2 | .1 | .1 Earners.............................| 1.3 | .7 | .5 | .7 | 1.0 | 1.2 | 1.6 | 1.7 | 2.0 | 2.1 Vehicles............................| 1.9 | 1.0 | .9 | 1.3 | 1.6 | 1.9 | 2.3 | 2.5 | 2.7 | 2.8 | | | | | | | | | | Percent distribution: | | | | | | | | | | | | | | | | | | | | Sex of reference person: | | | | | | | | | | Male..............................| 62 | 47 | 34 | 47 | 57 | 64 | 69 | 76 | 76 | 79 Female............................| 38 | 53 | 66 | 53 | 43 | 36 | 31 | 24 | 24 | 21 | | | | | | | | | | Housing tenure: | | | | | | | | | | Homeowner.........................| 64 | 36 | 40 | 51 | 57 | 61 | 65 | 74 | 83 | 90 With mortgage...................| 38 | 13 | 10 | 14 | 24 | 31 | 42 | 52 | 66 | 73 Without mortgage................| 26 | 23 | 30 | 38 | 33 | 30 | 23 | 22 | 17 | 16 Renter............................| 36 | 64 | 60 | 49 | 43 | 39 | 35 | 26 | 17 | 10 | | | | | | | | | | Race of reference person: | | | | | | | | | | Black.............................| 11 | 19 | 18 | 12 | 12 | 12 | 8 | 9 | 5 | 6 White and other...................| 89 | 81 | 82 | 88 | 88 | 88 | 92 | 91 | 95 | 94 | | | | | | | | | | Education of reference person: | | | | | | | | | | Elementary (1-8)..................| 9 | 12 | 25 | 12 | 13 | 9 | 6 | 3 | 2 | 1 High school (9-12)................| 44 | 48 | 48 | 52 | 56 | 52 | 44 | 41 | 36 | 20 College...........................| 47 | 40 | 26 | 36 | 31 | 38 | 50 | 56 | 62 | 79 Never attended and other..........| (3) | 1 | 1 | 1 | (3) | (3) | (3) | (3) | (3) | (3) | | | | | | | | | | At least one vehicle owned..........| 86 | 57 | 59 | 79 | 85 | 92 | 95 | 96 | 96 | 96 | | | | | | | | | | Average annual expenditures.............| $33,597 |$14,743 |$14,096 |$18,914 |$22,617 |$26,730 |$33,321 |$38,521 |$48,879 | $69,311 | | | | | | | | | | Food..................................| 14.0 | 17.1 | 16.8 | 16.2 | 17.2 | 15.2 | 14.1 | 14.3 | 12.7 | 11.6 Food at home........................| 8.6 | 11.6 | 12.9 | 11.7 | 12.1 | 9.8 | 8.7 | 8.7 | 7.4 | 6.0 Cereals and bakery products.......| 1.4 | 1.9 | 2.0 | 1.8 | 1.8 | 1.5 | 1.4 | 1.4 | 1.2 | 1.0 Cereals and cereal products.....| .5 | .7 | .8 | .7 | .7 | .6 | .5 | .5 | .4 | .3 Bakery products.................| .8 | 1.2 | 1.2 | 1.1 | 1.1 | .9 | .9 | .8 | .7 | .6 Meats, poultry, fish, and eggs....| 2.3 | 3.4 | 3.6 | 3.3 | 3.6 | 2.6 | 2.3 | 2.2 | 1.8 | 1.4 Beef............................| .7 | 1.0 | 1.1 | .9 | 1.1 | .8 | .8 | .7 | .6 | .4 Pork............................| .5 | .6 | .9 | .7 | .9 | .6 | .5 | .5 | .3 | .3 Other meats.....................| .3 | .6 | .5 | .5 | .5 | .3 | .3 | .3 | .3 | .2 Poultry.........................| .4 | .5 | .6 | .6 | .6 | .5 | .4 | .4 | .3 | .3 Fish and seafood................| .3 | .5 | .4 | .4 | .4 | .3 | .2 | .3 | .2 | .2 Eggs............................| .1 | .1 | .2 | .2 | .2 | .1 | .1 | .1 | .1 | .1 | | | | | | | | | | Dairy products....................| .9 | 1.2 | 1.3 | 1.2 | 1.3 | 1.1 | 1.0 | .9 | .8 | .7 Fresh milk and cream............| .4 | .6 | .7 | .6 | .6 | .5 | .4 | .4 | .3 | .2 Other dairy products............| .5 | .7 | .7 | .7 | .7 | .6 | .6 | .6 | .5 | .4 Fruits and vegetables.............| 1.4 | 1.8 | 2.3 | 2.0 | 2.0 | 1.6 | 1.4 | 1.3 | 1.2 | 1.0 Fresh fruits....................| .4 | .6 | .8 | .6 | .6 | .5 | .4 | .4 | .4 | .3 Fresh vegetables................| .4 | .5 | .7 | .6 | .6 | .5 | .4 | .4 | .3 | .3 Processed fruits................| .3 | .4 | .5 | .4 | .4 | .3 | .3 | .3 | .2 | .2 Processed vegetables............| .2 | .3 | .4 | .4 | .3 | .3 | .2 | .3 | .2 | .1 | | | | | | | | | | Other food at home................| 2.7 | 3.2 | 3.7 | 3.3 | 3.4 | 3.0 | 2.6 | 2.8 | 2.5 | 2.0 Sugar and other sweets..........| .4 | .4 | .5 | .5 | .4 | .4 | .3 | .4 | .3 | .3 Fats and oils...................| .2 | .3 | .4 | .4 | .4 | .3 | .3 | .3 | .2 | .2 Miscellaneous foods.............| 1.2 | 1.5 | 1.6 | 1.4 | 1.4 | 1.3 | 1.2 | 1.3 | 1.1 | .9 Nonalcoholic beverages..........| .7 | .9 | 1.1 | .9 | 1.1 | .9 | .7 | .7 | .7 | .5 Food prepared by consumer unit | | | | | | | | | | on out-of-town trips...........| .1 | .1 | .1 | .1 | .1 | .1 | .1 | .1 | .2 | .2 Food away from home.................| 5.4 | 5.5 | 3.9 | 4.6 | 5.1 | 5.4 | 5.4 | 5.6 | 5.4 | 5.6 | | | | | | | | | | Alcoholic beverages...................| .9 | .7 | .7 | 1.0 | .8 | .8 | .7 | 1.0 | .9 | 1.0 | | | | | | | | | | Housing...............................| 31.5 | 38.6 | 38.6 | 35.7 | 32.8 | 31.5 | 31.4 | 29.2 | 29.6 | 30.6 Shelter.............................| 17.6 | 22.2 | 21.4 | 20.0 | 18.3 | 17.0 | 17.6 | 16.4 | 15.9 | 17.8 Owned dwellings...................| 11.1 | 8.3 | 6.8 | 8.2 | 8.4 | 8.6 | 10.3 | 10.8 | 12.3 | 14.6 Mortgage interest and charges...| 6.3 | 3.6 | 1.9 | 2.6 | 3.1 | 4.0 | 5.9 | 6.2 | 7.7 | 9.4 Property taxes..................| 2.7 | 2.6 | 2.7 | 3.0 | 2.5 | 2.3 | 2.5 | 2.4 | 2.7 | 3.2 | | | | | | | | | | Maintenance, repairs, | | | | | | | | | | insurance, other expenses......| 2.1 | 2.1 | 2.2 | 2.7 | 2.9 | 2.3 | 1.9 | 2.2 | 1.9 | 2.0 Rented dwellings..................| 5.3 | 12.8 | 14.1 | 10.8 | 8.9 | 7.8 | 6.4 | 4.5 | 2.6 | 1.5 Other lodging.....................| 1.1 | 1.1 | .6 | .9 | 1.0 | .7 | .9 | 1.0 | 1.0 | 1.7 Utilities, fuels, and public | | | | | | | | | | services...........................| 6.5 | 9.4 | 10.3 | 9.2 | 8.4 | 7.6 | 6.8 | 6.1 | 5.5 | 4.6 Natural gas.......................| .8 | 1.3 | 1.3 | 1.2 | 1.0 | .9 | .8 | .8 | .6 | .6 Electricity.......................| 2.5 | 3.7 | 4.1 | 3.7 | 3.3 | 3.1 | 2.7 | 2.3 | 2.2 | 1.8 Fuel oil and other fuels..........| .3 | .2 | .5 | .4 | .3 | .4 | .2 | .2 | .2 | .2 Telephone services................| 2.1 | 3.3 | 3.5 | 2.9 | 2.8 | 2.5 | 2.3 | 2.0 | 1.8 | 1.5 Water and other public services...| .8 | 1.0 | 1.0 | 1.0 | 1.0 | .8 | .8 | .8 | .7 | .6 Household operations................| 1.5 | 2.1 | 1.0 | 1.5 | 1.3 | 1.2 | 1.6 | 1.4 | 1.3 | 2.0 Personal services.................| .8 | 1.4 | .4 | .6 | .6 | .6 | 1.0 | .9 | .8 | .8 Other household expenses..........| .8 | .7 | .6 | .9 | .7 | .6 | .6 | .4 | .6 | 1.2 | | | | | | | | | | Housekeeping supplies...............| 1.4 | 1.2 | 1.5 | 1.6 | 1.4 | 1.5 | 1.4 | 1.4 | 1.2 | 1.3 Laundry and cleaning supplies.....| .4 | .4 | .4 | .5 | .5 | .4 | .4 | .3 | .3 | .3 Other household products..........| .6 | .4 | .7 | .6 | .6 | .7 | .6 | .6 | .5 | .7 Postage and stationery............| .4 | .3 | .4 | .4 | .4 | .4 | .5 | .5 | .4 | .4 Household furnishings and equipment.| 4.5 | 3.7 | 4.3 | 3.5 | 3.3 | 4.0 | 4.0 | 3.9 | 5.6 | 4.9 Household textiles................| .3 | .6 | .3 | .2 | .3 | .3 | .3 | .4 | .4 | .3 Furniture.........................| .9 | 1.1 | .7 | .9 | .8 | .9 | 1.0 | .9 | .9 | 1.1 Floor coverings...................| .6 | (4) | 1.5 | 5/.2 | .2 | .5 | .2 | .2 | 1.5 | .5 Major appliances..................| .5 | .6 | .6 | .5 | .6 | .6 | .6 | .4 | .5 | .3 Small appliances, miscellaneous | | | | | | | | | | housewares.......................| .3 | .3 | .2 | .3 | .2 | .3 | .4 | .2 | .3 | .3 Miscellaneous household equipment.| 1.8 | 1.1 | 1.0 | 1.5 | 1.2 | 1.5 | 1.7 | 1.7 | 2.1 | 2.3 | | | | | | | | | | Apparel and services..................| 5.3 | 4.6 | 5.3 | 4.9 | 5.2 | 5.5 | 5.0 | 5.4 | 5.0 | 5.5 Men and boys........................| 1.3 | 1.0 | 1.0 | .9 | 1.3 | 1.3 | 1.2 | 1.2 | 1.4 | 1.5 Men, 16 and over..................| 1.0 | .5 | .7 | .6 | 1.1 | 1.0 | 1.0 | .9 | 1.0 | 1.2 Boys, 2 to 15.....................| .3 | .5 | .3 | .2 | .2 | .3 | .2 | .3 | .4 | .3 Women and girls.....................| 2.1 | 1.4 | 1.9 | 1.8 | 1.8 | 2.3 | 1.9 | 2.5 | 1.9 | 2.2 Women, 16 and over................| 1.8 | 1.1 | 1.6 | 1.4 | 1.6 | 1.8 | 1.6 | 2.2 | 1.6 | 1.9 Girls, 2 to 15....................| .3 | .3 | .3 | .4 | .2 | .4 | .4 | .3 | .3 | .2 Children under 2....................| .2 | .3 | .4 | .3 | .2 | .2 | .3 | .2 | .2 | .2 Footwear............................| .9 | 1.0 | 1.2 | 1.2 | 1.0 | 1.0 | .7 | .9 | .7 | .7 Other apparel products and services.| .8 | .9 | .8 | .7 | .9 | .7 | .8 | .6 | .8 | .9 | | | | | | | | | | Transportation........................| 18.2 | 13.3 | 14.3 | 17.6 | 17.7 | 19.7 | 19.3 | 19.5 | 19.7 | 17.0 Vehicle purchases (net outlay)......| 8.0 | 3.6 | 5.2 | 7.5 | 7.4 | 9.2 | 8.4 | 9.1 | 8.8 | 7.3 | | | | | | | | | | Cars and trucks, new..............| 3.6 | 5/1.1 | 5/2.0 | 3.2 | 3.6 | 2.8 | 3.3 | 3.7 | 4.1 | 4.2 Cars and trucks, used.............| 4.3 | 2.5 | 3.1 | 4.3 | 3.8 | 6.3 | 5.2 | 5.1 | 4.5 | 3.1 Other vehicles....................| .1 | (6) | 5/.1 | (4) | (4) | 5/.1 | (4) | 5/.2 | 5/.2 | .1 Gasoline and motor oil..............| 3.0 | 3.2 | 3.2 | 3.3 | 3.3 | 3.4 | 3.4 | 3.2 | 3.1 | 2.4 Other vehicle expenses..............| 6.1 | 5.6 | 4.9 | 5.8 | 6.1 | 6.2 | 6.4 | 6.4 | 6.8 | 5.8 Vehicle finance charges...........| .8 | .5 | .4 | .4 | .7 | .8 | 1.0 | 1.0 | .9 | .7 Maintenance and repairs...........| 2.0 | 2.4 | 1.9 | 2.3 | 2.0 | 2.1 | 2.1 | 2.1 | 2.2 | 1.6 Vehicle insurance.................| 2.2 | 1.7 | 1.8 | 2.4 | 2.5 | 2.3 | 2.3 | 2.3 | 2.3 | 1.9 Vehicle rental, leases, licenses, | | | | | | | | | | other charges....................| 1.2 | .9 | .8 | .8 | .9 | 1.0 | 1.0 | 1.0 | 1.4 | 1.5 Public transportation...............| 1.1 | 1.0 | 1.0 | 1.0 | .9 | .9 | 1.0 | .8 | 1.0 | 1.5 | | | | | | | | | | Health care...........................| 5.2 | 5.7 | 8.4 | 7.9 | 7.1 | 6.5 | 5.0 | 5.1 | 4.4 | 3.6 Health insurance....................| 2.6 | 2.6 | 4.4 | 4.3 | 3.8 | 3.3 | 2.6 | 2.6 | 2.0 | 1.6 Medical services....................| 1.5 | 1.8 | 1.9 | 1.5 | 1.6 | 1.7 | 1.4 | 1.5 | 1.5 | 1.3 Drugs...............................| .9 | 1.1 | 1.9 | 1.7 | 1.4 | 1.3 | .7 | .7 | .6 | .5 Medical supplies....................| .3 | .2 | .3 | .4 | .3 | .3 | .2 | .3 | .2 | .2 | | | | | | | | | | Entertainment.........................| 5.0 | 4.9 | 4.7 | 4.7 | 4.0 | 4.6 | 5.3 | 5.0 | 5.1 | 5.5 Fees and admissions.................| 1.3 | 1.1 | .7 | 1.2 | .8 | .9 | 1.3 | 1.2 | 1.4 | 1.8 Television, radios, sound equipment.| 1.7 | 2.0 | 2.3 | 1.9 | 1.8 | 1.7 | 1.8 | 1.7 | 1.7 | 1.4 Pets, toys, and playground | | | | | | | | | | equipment..........................| 1.0 | .9 | .9 | .8 | .9 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 Other entertainment supplies, | | | | | | | | | | equipment, and services............| 1.0 | .8 | .8 | .8 | .5 | .9 | 1.2 | 1.0 | .9 | 1.2 | | | | | | | | | | Personal care products and services...| 1.3 | 1.3 | 1.3 | 1.4 | 1.3 | 1.4 | 1.4 | 1.4 | 1.2 | 1.1 | | | | | | | | | | Reading...............................| .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | | | | | | | | | | Education.............................| 1.4 | 3.6 | 1.7 | 1.0 | .7 | .7 | 1.1 | 1.1 | 1.3 | 2.1 | | | | | | | | | | Tobacco products and smoking supplies.| .8 | 1.4 | 1.4 | 1.1 | 1.2 | 1.2 | 1.0 | .7 | .7 | .4 | | | | | | | | | | Miscellaneous.........................| 2.4 | 5.0 | 2.0 | 2.5 | 2.6 | 2.6 | 3.0 | 2.6 | 2.2 | 1.9 | | | | | | | | | | Cash contributions....................| 3.1 | 1.2 | 2.3 | 2.4 | 3.6 | 2.7 | 2.4 | 2.7 | 3.7 | 3.6 | | | | | | | | | | Personal insurance and pensions.......| 10.5 | 2.2 | 2.0 | 3.1 | 5.3 | 7.1 | 9.8 | 11.5 | 12.8 | 15.6 Life and other personal insurance...| 1.1 | .9 | .7 | .8 | .9 | 1.0 | 1.1 | 1.1 | 1.2 | 1.4 Pensions and Social Security........| 9.3 | 1.2 | 1.2 | 2.4 | 4.4 | 6.2 | 8.7 | 10.4 | 11.6 | 14.2 | | | | | | | | | | Sources of income and personal taxes: 2/| | | | | | | | | | | | | | | | | | | | Money income before taxes.............| $36,918 | $1,769 | $7,543 |$12,417 |$17,342 |$24,603 |$34,604 |$44,409 |$58,365 |$104,590 Wages and salaries..................| 77.1 | 60.2 | 25.2 | 36.5 | 55.1 | 67.0 | 78.9 | 82.4 | 86.4 | 82.9 Self-employment income..............| 5.5 | -63.8 | .9 | 2.9 | 2.2 | 3.0 | 3.7 | 4.2 | 4.1 | 9.5 Social Security, private and | | | | | | | | | | government retirement..............| 11.8 | 54.3 | 49.2 | 42.8 | 33.2 | 23.0 | 12.7 | 9.2 | 5.5 | 4.2 Interest, dividends, rental income, | | | | | | | | | | other property income..............| 2.3 | 4.4 | 1.3 | 2.0 | 2.2 | 2.5 | 1.9 | 2.3 | 2.2 | 2.6 Unemployment and workers' | | | | | | | | | | compensation, veterans' benefits...| .8 | 5/2.9 | 1.7 | 1.5 | 1.9 | 1.6 | 1.1 | .7 | .6 | .2 Public assistance, supplemental | | | | | | | | | | security income, food stamps.......| 1.3 | 29.0 | 16.9 | 10.0 | 2.9 | 1.4 | .5 | .3 | .1 | .1 Regular contributions for support...| .7 | 8.3 | 3.1 | 2.5 | 1.8 | 1.0 | .9 | .4 | .5 | .3 Other income........................| .5 | 4.7 | 1.8 | 1.9 | .7 | .5 | .4 | .5 | .5 | .2 | | | | | | | | | | Personal taxes........................| 8.3 | 5.0 | 1.7 | 2.6 | 3.6 | 5.5 | 7.4 | 7.7 | 9.3 | 10.5 Federal income taxes................| 6.1 | 2.3 | .4 | 1.2 | 2.2 | 3.7 | 5.2 | 5.6 | 6.9 | 8.1 State and local income taxes........| 1.7 | 1.0 | .2 | .7 | .8 | 1.2 | 1.7 | 1.6 | 2.0 | 2.1 Other taxes.........................| .5 | 1.7 | 1.1 | .6 | .6 | .6 | .5 | .5 | .5 | .4 | | | | | | | | | | Income after taxes....................| 91.7 | 95.0 | 98.3 | 97.4 | 96.4 | 94.5 | 92.6 | 92.3 | 90.7 | 89.5 | | | | | | | | | | ____________________________________________________________________________________________________________________________________ 1/ See "Quintiles of income before taxes" table for expenditures and income of all consumer units and incomplete income reporters. 2/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 3/ Value less than 0.5. 4/ Value less than 0.05. 5/ Data are likely to have large sampling errors. 6/ No data reported.