Table 2000. Education of reference person: Shares of average annual expenditures and sources of income, Consumer Expenditure Survey, 1996 _______________________________________________________________________________________________________________________________ | | | | | Less than college graduate | College graduate | | | _____________________________________________ _______________________________ | | | | | | | | | | All | | | | High | | | | Item |consumer| | Less | | school | | | | Master's, | units | | than | High |graduate|Associate| |Bachelor's| profes- | | Total | high | school | with | degree | Total | degree | sional, | | | school |graduate| some | | | | doctorate | | |graduate| |college | | | | | | | | | 1/ | | | | | | | | | | | | | _______________________________________________________________________________________________________________________________ | | | | | | | | | Number of consumer units (in thousands).|104,212 | 79,437 | 19,268 | 32,509 | 19,768 | 7,892 | 24,774 | 16,003 | 8,771 | | | | | | | | | Consumer unit characteristics: | | | | | | | | | | | | | | | | | | Income before taxes 2/................|$38,014 |$31,511 |$20,063 |$33,094 |$35,153 | $44,282 |$58,380 | $53,193 | $67,867 Income after taxes 2/.................| 34,864 | 29,159 | 19,173 | 30,677 | 32,148 | 40,237 | 52,730 | 48,541 | 60,391 Age of reference person...............| 47.7 | 48.3 | 55.7 | 48.2 | 42.8 | 44.6 | 45.8 | 44.6 | 48.0 | | | | | | | | | Average number in consumer unit: | | | | | | | | | Persons.............................| 2.5 | 2.6 | 2.7 | 2.6 | 2.4 | 2.6 | 2.5 | 2.5 | 2.5 Children under 18...................| .7 | .7 | .8 | .7 | .6 | .8 | .6 | .6 | .6 Persons 65 and over.................| .3 | .3 | .6 | .3 | .2 | .2 | .2 | .2 | .2 Earners.............................| 1.3 | 1.3 | 1.0 | 1.3 | 1.4 | 1.5 | 1.5 | 1.5 | 1.5 Vehicles............................| 1.9 | 1.8 | 1.5 | 1.9 | 1.9 | 2.2 | 2.1 | 2.1 | 2.2 | | | | | | | | | Percent distribution: | | | | | | | | | | | | | | | | | | Sex of reference person: | | | | | | | | | Male..............................| 60 | 58 | 53 | 59 | 59 | 61 | 68 | 66 | 70 Female............................| 40 | 42 | 47 | 41 | 41 | 39 | 32 | 34 | 30 | | | | | | | | | Housing tenure: | | | | | | | | | Homeowner.........................| 64 | 62 | 58 | 65 | 57 | 66 | 70 | 68 | 74 With mortgage...................| 38 | 34 | 21 | 36 | 37 | 47 | 49 | 48 | 52 Without mortgage................| 26 | 28 | 37 | 29 | 20 | 20 | 21 | 20 | 22 Renter............................| 36 | 38 | 42 | 35 | 43 | 34 | 30 | 32 | 26 | | | | | | | | | Race of reference person: | | | | | | | | | Black.............................| 12 | 14 | 17 | 14 | 12 | 11 | 6 | 6 | 6 White and other...................| 88 | 86 | 83 | 86 | 88 | 89 | 94 | 94 | 94 | | | | | | | | | Education of reference person: | | | | | | | | | Elementary (1-8)..................| 8 | 10 | 43 | n.a. | n.a. | n.a. | n.a. | n.a. | n.a. High school (9-12)................| 41 | 54 | 55 | 100 | n.a. | n.a. | n.a. | n.a. | n.a. College...........................| 50 | 35 | n.a. | n.a. | 100 | 100 | 100 | 100 | 100 Never attended and other..........| (3) | (3) | 2 | n.a. | n.a. | n.a. | n.a. | n.a. | n.a. | | | | | | | | | At least one vehicle owned..........| 85 | 83 | 73 | 85 | 86 | 89 | 92 | 91 | 93 | | | | | | | | | Average annual expenditures.............|$33,797 |$29,225 |$21,458 |$29,705 |$32,462 | $38,301 |$48,245 | $45,723 | $52,812 | | | | | | | | | Food..................................| 13.9 | 14.8 | 16.8 | 14.8 | 14.1 | 13.5 | 12.1 | 12.2 | 11.9 Food at home........................| 8.5 | 9.5 | 12.5 | 9.5 | 8.4 | 7.8 | 6.6 | 6.7 | 6.4 Cereals and bakery products.......| 1.3 | 1.5 | 1.9 | 1.5 | 1.3 | 1.2 | 1.1 | 1.1 | 1.0 Cereals and cereal products.....| .5 | .5 | .7 | .5 | .5 | .4 | .4 | .4 | .4 Bakery products.................| .8 | .9 | 1.1 | .9 | .8 | .8 | .7 | .7 | .7 Meats, poultry, fish, and eggs....| 2.2 | 2.6 | 3.6 | 2.7 | 2.0 | 1.9 | 1.5 | 1.5 | 1.4 Beef............................| .6 | .8 | 1.1 | .8 | .6 | .6 | .4 | .4 | .3 Pork............................| .5 | .6 | .9 | .6 | .4 | .4 | .3 | .3 | .3 Other meats.....................| .3 | .3 | .5 | .4 | .3 | .3 | .2 | .2 | .2 Poultry.........................| .4 | .5 | .7 | .5 | .4 | .4 | .3 | .3 | .3 Fish and seafood................| .3 | .3 | .3 | .3 | .2 | .2 | .2 | .2 | .2 Eggs............................| .1 | .1 | .2 | .1 | .1 | .1 | .1 | .1 | .1 | | | | | | | | | Dairy products....................| .9 | 1.0 | 1.3 | 1.0 | .9 | .9 | .7 | .7 | .7 Fresh milk and cream............| .4 | .5 | .6 | .4 | .4 | .4 | .3 | .3 | .3 Other dairy products............| .5 | .6 | .7 | .6 | .5 | .5 | .5 | .5 | .4 Fruits and vegetables.............| 1.5 | 1.6 | 2.1 | 1.5 | 1.4 | 1.3 | 1.2 | 1.2 | 1.2 Fresh fruits....................| .5 | .5 | .6 | .5 | .4 | .4 | .4 | .4 | .4 Fresh vegetables................| .4 | .5 | .7 | .4 | .5 | .4 | .3 | .3 | .4 Processed fruits................| .3 | .3 | .4 | .3 | .3 | .3 | .3 | .3 | .3 Processed vegetables............| .2 | .3 | .4 | .3 | .2 | .2 | .2 | .2 | .2 | | | | | | | | | Other food at home................| 2.6 | 2.9 | 3.6 | 2.9 | 2.7 | 2.5 | 2.1 | 2.1 | 2.1 Sugar and other sweets..........| .3 | .4 | .5 | .4 | .3 | .4 | .3 | .3 | .3 Fats and oils...................| .2 | .3 | .4 | .3 | .2 | .2 | .2 | .2 | .2 Miscellaneous foods.............| 1.2 | 1.2 | 1.5 | 1.2 | 1.2 | 1.1 | 1.0 | 1.0 | .9 Nonalcoholic beverages..........| .7 | .8 | 1.1 | .9 | .7 | .7 | .6 | .6 | .6 Food prepared by consumer unit | | | | | | | | | on out-of-town trips...........| .1 | .1 | .1 | .1 | .2 | .2 | .2 | .2 | .2 Food away from home.................| 5.4 | 5.3 | 4.3 | 5.3 | 5.7 | 5.8 | 5.5 | 5.5 | 5.5 | | | | | | | | | Alcoholic beverages...................| .9 | .8 | .6 | .8 | .9 | 1.1 | 1.0 | 1.0 | 1.0 | | | | | | | | | Housing...............................| 31.8 | 31.4 | 33.0 | 30.8 | 31.5 | 30.7 | 32.7 | 32.8 | 32.5 Shelter.............................| 17.9 | 17.3 | 17.8 | 16.8 | 17.8 | 17.2 | 19.3 | 19.3 | 19.1 | | | | | | | | | Owned dwellings...................| 11.2 | 10.2 | 8.7 | 10.1 | 10.8 | 11.3 | 13.2 | 13.0 | 13.4 Mortgage interest and charges...| 6.3 | 5.5 | 3.8 | 5.3 | 6.4 | 6.9 | 7.7 | 7.6 | 7.9 Property taxes..................| 2.8 | 2.6 | 2.5 | 2.7 | 2.5 | 2.5 | 3.1 | 3.2 | 3.1 Maintenance, repairs, | | | | | | | | | insurance, other expenses......| 2.2 | 2.1 | 2.3 | 2.2 | 1.9 | 1.9 | 2.3 | 2.2 | 2.5 Rented dwellings..................| 5.5 | 6.1 | 8.5 | 5.7 | 5.8 | 4.8 | 4.3 | 4.6 | 3.8 Other lodging.....................| 1.2 | 1.0 | .6 | .9 | 1.2 | 1.1 | 1.8 | 1.7 | 1.9 Utilities, fuels, and public | | | | | | | | | services...........................| 6.9 | 7.7 | 9.7 | 7.7 | 6.8 | 6.4 | 5.6 | 5.7 | 5.4 Natural gas.......................| .9 | .9 | 1.2 | 1.0 | .8 | .8 | .7 | .7 | .7 Electricity.......................| 2.7 | 3.0 | 3.9 | 3.1 | 2.7 | 2.5 | 2.0 | 2.1 | 1.9 Fuel oil and other fuels..........| .3 | .4 | .6 | .4 | .3 | .2 | .2 | .2 | .2 Telephone services................| 2.3 | 2.4 | 3.0 | 2.4 | 2.3 | 2.1 | 2.0 | 2.0 | 1.9 Water and other public services...| .8 | .9 | 1.1 | .8 | .8 | .8 | .7 | .7 | .6 Household operations................| 1.5 | 1.3 | .9 | 1.3 | 1.4 | 1.7 | 2.0 | 1.9 | 2.1 Personal services.................| .8 | .7 | .3 | .7 | .7 | .9 | .9 | 1.0 | .8 Other household expenses..........| .8 | .6 | .5 | .6 | .7 | .8 | 1.1 | .9 | 1.3 | | | | | | | | | Housekeeping supplies...............| 1.4 | 1.4 | 1.5 | 1.5 | 1.3 | 1.4 | 1.2 | 1.1 | 1.5 Laundry and cleaning supplies.....| .4 | .4 | .5 | .4 | .4 | .4 | .2 | .2 | .2 Other household products..........| .6 | .7 | .6 | .8 | .6 | .6 | .5 | .5 | .6 Postage and stationery............| .4 | .4 | .3 | .3 | .4 | .4 | .5 | .4 | .7 Household furnishings and equipment.| 4.0 | 3.7 | 3.1 | 3.5 | 4.2 | 3.9 | 4.6 | 4.7 | 4.4 Household textiles................| .2 | .2 | .2 | .2 | .2 | .2 | .2 | .3 | .2 Furniture.........................| .9 | .9 | .8 | .8 | 1.0 | .9 | 1.1 | 1.1 | 1.0 Floor coverings...................| .3 | .2 | .2 | .2 | .3 | .1 | .5 | .7 | .1 Major appliances..................| .5 | .5 | .5 | .5 | .5 | .5 | .4 | .4 | .5 Small appliances, miscellaneous | | | | | | | | | housewares.......................| .2 | .2 | .2 | .2 | .2 | .3 | .3 | .3 | .2 Miscellaneous household equipment.| 1.8 | 1.7 | 1.2 | 1.7 | 1.9 | 1.9 | 2.0 | 1.9 | 2.3 | | | | | | | | | Apparel and services..................| 5.2 | 5.2 | 5.2 | 4.6 | 5.3 | 6.9 | 5.1 | 5.1 | 4.9 Men and boys........................| 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.4 | 1.3 | 1.3 | 1.3 Men, 16 and over..................| 1.0 | .9 | .8 | .8 | .9 | 1.1 | 1.1 | 1.1 | 1.1 Boys, 2 to 15.....................| .3 | .3 | .3 | .3 | .3 | .3 | .2 | .2 | .2 Women and girls.....................| 2.1 | 2.1 | 2.1 | 1.7 | 2.1 | 3.3 | 2.1 | 2.1 | 2.1 Women, 16 and over................| 1.8 | 1.8 | 1.7 | 1.4 | 1.8 | 2.9 | 1.8 | 1.8 | 1.9 | | | | | | | | | Girls, 2 to 15....................| 0.3 | 0.4 | 0.4 | 0.3 | 0.3 | 0.4 | 0.3 | 0.3 | 0.3 Children under 2....................| .2 | .3 | .3 | .3 | .2 | .3 | .2 | .2 | .2 Footwear............................| .9 | 1.0 | 1.0 | .9 | 1.0 | 1.0 | .7 | .8 | .6 Other apparel products and services.| .7 | .6 | .6 | .6 | .7 | .8 | .7 | .7 | .7 | | | | | | | | | Transportation........................| 18.9 | 19.5 | 19.7 | 19.9 | 18.9 | 19.4 | 17.8 | 18.4 | 16.8 Vehicle purchases (net outlay)......| 8.3 | 8.9 | 9.4 | 9.2 | 8.1 | 8.8 | 7.3 | 7.9 | 6.5 Cars and trucks, new..............| 3.6 | 3.3 | 2.2 | 3.5 | 3.6 | 4.0 | 4.1 | 4.0 | 4.1 Cars and trucks, used.............| 4.6 | 5.4 | 7.2 | 5.4 | 4.4 | 4.7 | 3.2 | 3.8 | 2.3 Other vehicles....................| .1 | .1 | (4) | .3 | 5/.1 | 5/.1 | 5/.1 | 5/.1 | 5/.1 Gasoline and motor oil..............| 3.2 | 3.5 | 3.8 | 3.5 | 3.3 | 3.2 | 2.7 | 2.8 | 2.5 Other vehicle expenses..............| 6.1 | 6.2 | 5.5 | 6.3 | 6.4 | 6.4 | 6.0 | 5.9 | 6.0 Vehicle finance charges...........| .8 | .9 | .8 | 1.0 | .9 | 1.0 | .6 | .6 | .6 Maintenance and repairs...........| 1.9 | 1.9 | 1.8 | 1.8 | 2.1 | 2.1 | 1.9 | 1.9 | 1.8 Vehicle insurance.................| 2.1 | 2.2 | 2.1 | 2.2 | 2.2 | 2.0 | 1.9 | 1.9 | 1.9 Vehicle rental, leases, licenses, | | | | | | | | | other charges....................| 1.3 | 1.2 | .7 | 1.2 | 1.2 | 1.3 | 1.6 | 1.5 | 1.7 Public transportation...............| 1.3 | 1.0 | 1.0 | .9 | 1.1 | 1.0 | 1.8 | 1.8 | 1.8 | | | | | | | | | Health care...........................| 5.2 | 5.6 | 6.8 | 5.6 | 4.9 | 5.1 | 4.6 | 4.6 | 4.7 Health insurance....................| 2.4 | 2.6 | 3.4 | 2.7 | 2.2 | 2.2 | 2.1 | 2.1 | 2.1 Medical services....................| 1.6 | 1.6 | 1.5 | 1.7 | 1.5 | 1.8 | 1.6 | 1.6 | 1.6 Drugs...............................| .9 | 1.0 | 1.6 | 1.0 | .9 | .8 | .7 | .6 | .7 Medical supplies....................| .3 | .3 | .4 | .3 | .3 | .2 | .3 | .3 | .3 | | | | | | | | | Entertainment.........................| 5.4 | 5.4 | 4.0 | 5.9 | 5.7 | 5.0 | 5.5 | 5.6 | 5.2 Fees and admissions.................| 1.4 | 1.1 | .6 | 1.0 | 1.3 | 1.3 | 2.0 | 2.0 | 1.8 Television, radios, sound equipment.| 1.7 | 1.7 | 1.8 | 1.7 | 1.7 | 1.7 | 1.5 | 1.6 | 1.5 Pets, toys, and playground | | | | | | | | | equipment..........................| 1.0 | 1.0 | .8 | 1.1 | 1.0 | .9 | 1.0 | 1.0 | 1.0 Other entertainment supplies, | | | | | | | | | equipment, and services............| 1.4 | 1.6 | .8 | 2.1 | 1.7 | 1.1 | 1.0 | 1.1 | .9 | | | | | | | | | Personal care products and services...| 1.5 | 1.6 | 1.5 | 1.5 | 1.6 | 1.6 | 1.4 | 1.5 | 1.4 | | | | | | | | | Reading...............................| .5 | .4 | .3 | .4 | .5 | .4 | .6 | .6 | .6 | | | | | | | | | Education.............................| 1.5 | 1.2 | 0.6 | 0.9 | 1.8 | 1.8 | 2.2 | 2.1 | 2.5 | | | | | | | | | Tobacco products and smoking supplies.| .8 | 1.0 | 1.4 | 1.1 | .8 | .7 | .3 | .3 | .2 | | | | | | | | | Miscellaneous.........................| 2.5 | 2.6 | 2.6 | 2.9 | 2.5 | 2.3 | 2.3 | 2.3 | 2.4 | | | | | | | | | Cash contributions....................| 2.8 | 2.5 | 2.0 | 2.9 | 2.3 | 2.0 | 3.4 | 3.1 | 3.9 | | | | | | | | | Personal insurance and pensions.......| 9.1 | 8.0 | 5.5 | 7.9 | 9.2 | 9.5 | 11.0 | 10.4 | 12.1 Life and other personal insurance...| 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 Pensions and Social Security........| 8.0 | 7.0 | 4.5 | 6.9 | 8.2 | 8.5 | 9.9 | 9.3 | 10.9 | | | | | | | | | Sources of income and personal taxes: 2/| | | | | | | | | | | | | | | | | | Money income before taxes.............|$38,014 |$31,511 |$20,063 |$33,094 |$35,153 | $44,282 |$58,380 | $53,193 | $67,867 Wages and salaries..................| 77.8 | 75.4 | 60.4 | 76.0 | 79.1 | 82.9 | 81.8 | 82.6 | 80.6 Self-employment income..............| 6.1 | 5.2 | 2.8 | 5.2 | 6.5 | 5.6 | 7.6 | 6.7 | 8.7 Social Security, private and | | | | | | | | | government retirement..............| 11.4 | 13.9 | 27.6 | 13.5 | 9.6 | 8.1 | 7.2 | 7.2 | 7.3 Interest, dividends, rental income, | | | | | | | | | other property income..............| 2.0 | 1.9 | 1.6 | 2.1 | 2.0 | 1.3 | 2.2 | 2.1 | 2.3 Unemployment and workers' | | | | | | | | | compensation, veterans' benefits...| .6 | .8 | 1.2 | .8 | .7 | .5 | .2 | .2 | .2 Public assistance, supplemental | | | | | | | | | security income, food stamps.......| 1.2 | 1.7 | 5.2 | 1.5 | .6 | .7 | .2 | .2 | .1 Regular contributions for support...| .6 | .7 | .6 | .6 | .9 | .6 | .5 | .6 | .4 Other income........................| .4 | .4 | .6 | .3 | .6 | .4 | .3 | .3 | .3 | | | | | | | | | Personal taxes........................| 8.3 | 7.5 | 4.4 | 7.3 | 8.5 | 9.1 | 9.7 | 8.7 | 11.0 Federal income taxes................| 6.2 | 5.5 | 3.1 | 5.2 | 6.6 | 7.0 | 7.5 | 6.7 | 8.6 State and local income taxes........| 1.8 | 1.7 | 1.0 | 1.8 | 1.7 | 1.8 | 1.9 | 1.7 | 2.1 Other taxes.........................| .3 | .3 | .3 | .3 | .3 | .4 | .3 | .3 | .3 | | | | | | | | | Income after taxes....................| 91.7 | 92.5 | 95.6 | 92.7 | 91.5 | 90.9 | 90.3 | 91.3 | 89.0 | | | | | | | | | _______________________________________________________________________________________________________________________________ 1/ Beginning in 1996, this column does not include reference persons with Associate degrees 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. n.a. Not applicable.