Table 2. By INCOME BEFORE TAXES: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1995 Complete reporting of income Complete Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 Item reporting than to to to to to to to and of income $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 Income before taxes 1/.................... $36,918 $1,769 $7,543 $12,417 $17,342 $24,603 $34,604 $44,409 $58,365 $104,590 Income after taxes 1/..................... 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........................ 0.7 0.4 0.5 0.6 0.6 0.7 0.8 0.8 0.9 0.8 Persons 65 and over...................... 0.3 0.3 0.5 0.6 0.5 0.4 0.2 0.2 0.1 0.1 Earners.................................. 1.3 0.7 0.5 0.7 1.0 1.2 1.6 1.7 2.0 2.1 Vehicles................................. 1.9 1.0 0.9 1.3 1.6 1.9 2.3 2.5 2.7 2.8 Percent distribution: Male..................................... 62 47 34 47 57 64 69 76 76 79 Female................................... 38 53 66 53 43 36 31 24 24 21 Percent 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 Black.................................... 11 19 18 12 12 12 8 9 5 6 White and other.......................... 89 81 82 88 88 88 92 91 95 94 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................. 0 1 1 1 0 0 0 0 0 0 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..................................... 4,691 2,519 2,374 3,073 3,883 4,065 4,710 5,499 6,229 8,030 Food at home............................ 2,886 1,705 1,823 2,208 2,732 2,612 2,907 3,359 3,598 4,142 Cereals and bakery products............ 455 286 280 340 418 406 479 525 563 661 Cereals and cereal products........... 169 103 112 130 169 159 174 203 201 225 Bakery products....................... 285 183 168 210 249 247 305 322 362 437 Meats, poultry, fish, and eggs......... 758 495 512 622 825 695 769 861 876 994 Beef.................................. 232 141 154 166 247 206 268 266 281 296 Pork.................................. 158 86 127 126 193 156 154 183 170 179 Other meats........................... 105 93 63 94 113 86 104 117 127 143 Poultry............................... 136 78 85 120 136 124 140 161 144 201 Fish and seafood...................... 95 76 56 84 101 93 70 103 121 136 Eggs.................................. 32 20 26 32 34 30 33 31 33 38 Dairy products......................... 311 178 185 235 286 283 320 365 395 452 Fresh milk and cream.................. 129 82 93 108 128 124 135 151 154 156 Other dairy products.................. 182 96 93 127 158 158 185 214 241 296 Fruits and vegetables.................. 467 268 318 377 442 428 463 519 563 679 Fresh fruits.......................... 148 85 106 117 137 140 136 157 176 229 Fresh vegetables...................... 141 72 92 104 134 133 145 156 168 209 Processed fruits...................... 97 60 66 81 92 82 100 107 118 140 Processed vegetables.................. 81 50 54 75 79 74 81 98 101 101 Other food at home..................... 894 479 528 633 761 799 877 1,089 1,201 1,355 Sugar and other sweets................ 119 54 73 95 99 110 112 156 146 185 Fats and oils......................... 84 48 59 73 84 75 86 103 97 106 Miscellaneous foods................... 394 220 226 267 324 345 388 489 547 601 Nonalcoholic beverages................ 250 136 155 175 238 233 242 286 336 359 Food prep. by cu, out-of-town trips... 46 21 15 24 16 36 49 55 74 105 Food away from home..................... 1,804 814 551 866 1,150 1,453 1,803 2,140 2,631 3,888 Alcoholic beverages...................... 302 102 102 194 180 219 243 378 459 677 Housing.................................. 10,571 5,687 5,441 6,745 7,407 8,417 10,461 11,243 14,454 21,211 Shelter................................. 5,909 3,275 3,020 3,774 4,142 4,557 5,868 6,318 7,793 12,312 Owned dwellings........................ 3,744 1,225 952 1,559 1,904 2,285 3,427 4,175 6,018 10,108 Mortgage interest and charges......... 2,117 535 263 487 696 1,073 1,962 2,396 3,777 6,491 Property taxes........................ 908 382 381 564 562 610 823 913 1,317 2,203 Maintenance, rep., ins., oth. exp..... 719 308 308 508 646 603 643 865 924 1,414 Rented dwellings....................... 1,790 1,885 1,988 2,038 2,023 2,074 2,131 1,751 1,280 1,034 Other lodging.......................... 375 166 80 177 215 198 311 393 495 1,170 Utilities, fuels, and public services... 2,179 1,386 1,458 1,749 1,891 2,043 2,255 2,345 2,706 3,205 Natural gas............................ 268 184 189 230 230 239 256 299 315 418 Electricity............................ 854 544 574 707 746 821 890 890 1,053 1,232 Fuel oil and other fuels............... 85 34 67 76 75 94 80 92 106 108 Telephone.............................. 709 483 490 542 623 668 758 761 876 1,012 Water and other public services........ 262 141 139 194 217 221 271 305 355 434 Household operations.................... 518 314 146 275 293 326 538 523 651 1,396 Personal services...................... 264 206 55 111 127 167 344 351 367 577 Other household expenses............... 254 108 91 164 166 159 195 172 284 819 Housekeeping supplies................... 465 171 212 294 327 413 479 543 569 927 Laundry and cleaning supplies.......... 118 60 54 90 104 116 120 131 140 195 Other household products............... 208 65 99 121 140 182 198 223 254 461 Postage and stationery................. 140 46 59 83 83 115 160 188 175 270 Household furnishings and equipment..... 1,499 541 605 654 755 1,078 1,320 1,513 2,735 3,372 Household textiles..................... 108 87 37 32 64 69 85 160 172 242 Furniture.............................. 319 156 103 165 181 236 317 364 420 789 Floor coverings........................ 212 5 205 37 52 140 59 83 757 328 Major appliances....................... 155 81 82 89 144 150 184 158 229 225 Small appliances, misc. housewares..... 91 50 35 47 52 70 117 79 122 202 Miscellaneous household equipment...... 614 163 144 283 263 413 560 669 1,035 1,587 Apparel and services..................... 1,771 680 747 920 1,187 1,471 1,656 2,079 2,437 3,810 Men and boys............................ 437 146 138 167 294 344 408 457 679 1,016 Men, 16 and over....................... 339 74 97 120 249 264 339 358 479 830 Boys, 2 to 15.......................... 98 71 42 47 45 79 69 99 200 186 Women and girls......................... 694 210 263 336 407 606 638 956 925 1,502 Women, 16 and over..................... 591 165 224 265 354 492 521 841 781 1,330 Girls, 2 to 15......................... 103 45 39 72 54 114 117 114 144 173 Children under 2........................ 84 50 56 52 48 65 107 94 105 147 Footwear................................ 287 144 172 229 231 271 236 335 334 519 Other apparel products and services..... 269 130 117 136 206 185 268 237 395 626 Transportation........................... 6,121 1,957 2,012 3,329 4,009 5,258 6,419 7,520 9,648 11,809 Vehicle purchases (net outlay).......... 2,676 524 734 1,423 1,684 2,463 2,813 3,486 4,304 5,089 Cars and trucks, new................... 1,193 155 282 611 816 755 1,085 1,432 2,014 2,899 Cars and trucks, used.................. 1,450 369 438 810 858 1,682 1,721 1,976 2,202 2,138 Other vehicles......................... 33 0 14 3 10 26 7 78 88 52 Gasoline and motor oil.................. 1,014 467 452 625 740 900 1,147 1,238 1,507 1,647 Other vehicle expenses.................. 2,063 818 684 1,096 1,381 1,666 2,135 2,472 3,326 4,031 Vehicle finance charges................ 267 78 55 72 159 225 321 401 443 506 Maintenance and repairs................ 675 352 267 430 454 573 692 811 1,096 1,137 Vehicle insurance...................... 726 250 249 448 570 611 778 882 1,102 1,320 Veh. rent., leas., licen., oth. chges.. 395 139 113 145 199 257 344 377 685 1,068 Public transportation................... 367 147 142 185 205 229 324 324 512 1,042 Health care.............................. 1,747 838 1,181 1,488 1,610 1,743 1,666 1,962 2,137 2,518 Health insurance........................ 864 383 615 808 861 885 876 997 979 1,108 Medical services........................ 502 261 267 282 370 449 468 574 743 908 Drugs................................... 293 159 261 323 317 336 242 289 295 338 Medical supplies........................ 87 35 38 75 62 74 80 102 120 164 Entertainment............................ 1,687 720 664 890 903 1,217 1,764 1,924 2,509 3,781 Fees and admissions..................... 447 166 104 227 192 235 421 462 703 1,276 Television, radios, sound equipment..... 561 297 324 364 404 445 588 656 819 959 Pets, toys, and playground equipment.... 349 138 126 149 195 292 367 413 542 721 Other supplies, equip., and services.... 331 119 110 149 113 244 388 393 445 825 Personal care products and services...... 430 188 182 274 299 366 450 542 599 769 Reading.................................. 170 70 67 96 112 142 180 191 244 351 Education................................ 478 534 238 189 162 194 375 437 655 1,446 Tobacco products and smoking supplies.... 272 213 197 199 276 309 324 275 339 258 Miscellaneous............................ 808 739 282 470 581 691 1,008 988 1,082 1,301 Cash contributions....................... 1,034 178 329 453 807 729 816 1,045 1,808 2,529 Personal insurance and pensions.......... 3,517 318 280 595 1,201 1,910 3,249 4,438 6,278 10,821 Life and other personal insurance....... 381 136 105 150 205 262 350 439 598 984 Pensions and Social Security............ 3,136 182 176 445 996 1,648 2,899 3,999 5,681 9,837 Money income before taxes 1/.............. 36,918 1,769 7,543 12,417 17,342 24,603 34,604 44,409 58,365 104,590 Wages and salaries....................... 28,474 1,065 1,901 4,531 9,548 16,487 27,288 36,593 50,413 86,673 Self-employment income................... 2,034 (1,128) 69 357 390 743 1,271 1,846 2,421 9,926 Soc. Sec., priv. and gov. retirement..... 4,355 960 3,708 5,311 5,766 5,657 4,384 4,082 3,237 4,361 Int., divid., rent. inc., property inc... 861 77 100 248 379 608 672 1,042 1,276 2,724 Unemp. and workers' compen., vet. ben.... 279 52 126 181 325 400 371 299 368 229 Pub. ass., supp. sec. inc., foodstamps... 462 513 1,272 1,243 501 341 167 147 65 90 Regular contributions for support........ 273 146 232 316 314 256 306 167 312 332 Other income............................. 180 83 135 231 120 111 144 232 273 255 Personal taxes 1/......................... 3,054 89 128 323 626 1,353 2,560 3,420 5,446 11,020 Federal income taxes..................... 2,235 40 28 154 378 911 1,812 2,467 4,000 8,434 State and local income taxes............. 640 18 13 89 144 298 573 729 1,183 2,195 Other taxes.............................. 179 31 87 79 104 145 175 224 263 391 Income after taxes 1/..................... 33,864 1,679 7,415 12,094 16,716 23,250 32,044 40,989 52,919 93,570 Net change in total assets and liabilities (974) 330 (1,135) (1,574) (1,318) (1,434) 779 (2,187) (1,331) (582) Net change in total assets............... 2,851 845 (578) 302 1,140 178 5,283 757 5,010 10,537 Net change in total liabilities.......... 3,825 515 557 1,876 2,458 1,613 4,504 2,944 6,341 11,119 Other money receipts...................... 535 217 190 125 273 655 225 603 515 1,661 Mortgage principal paid, owned property... (1,088) (407) (148) (210) (439) (474) (829) (1,145) (1,840) (3,679) Estimated market value of owned home...... 71,154 33,491 28,752 40,700 44,722 52,099 66,432 72,128 99,612 170,644 Est. monthly rental value of owned home... 496 243 212 305 337 393 468 533 716 1,049 Gifts of goods and services............... 1,036 445 341 520 659 694 933 1,094 1,346 2,772 Food.................................... 90 34 10 40 40 69 87 82 110 274 Housing................................. 266 185 101 157 159 168 239 281 348 664 Housekeeping supplies................. 41 12 13 17 16 37 37 50 49 113 Household textiles.................... 11 0 2 3 13 6 13 15 17 21 Appliances and misc. housewares....... 29 30 9 14 19 17 44 19 31 72 Major appliances.................... 5 0 0 3 7 8 5 3 5 9 Small appl. and misc. housewares.... 24 30 9 11 12 8 39 16 26 63 Miscellaneous household equipment..... 75 21 18 50 45 43 49 112 138 159 Other housing......................... 110 123 60 73 66 65 97 85 113 299 Apparel and services.................... 263 95 89 134 236 201 280 272 318 606 Males 2 and over...................... 72 27 18 25 54 63 88 74 88 162 Females 2 and over.................... 94 24 31 53 66 65 86 91 122 252 Children under 2...................... 40 23 24 26 21 27 52 37 58 77 Other apparel products and services... 57 20 17 30 96 45 53 70 50 115 Jewelry and watches................. 29 9 6 14 67 17 41 28 24 53 All other apparel products and serv. 28 11 11 17 29 28 12 42 26 62 Transportation.......................... 50 32 11 22 29 41 50 41 68 133 Health care............................. 26 15 43 10 5 20 18 28 37 46 Entertainment........................... 93 49 16 62 63 59 92 114 142 208 Toys, games, hobbies, and tricycles... 30 10 8 19 25 23 33 38 48 56 Other entertainment................... 63 40 8 43 38 36 59 76 94 152 Education............................... 124 6 18 17 42 51 41 130 134 581 All other gifts......................... 124 28 52 79 85 86 126 146 189 261 __________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary Note that all values have been rounded, and therefore some rounded values equal zero. When data are not reported or are not applicable (i.e., missing values), values are set to zero. Note also that some data are likely to have large sampling errors.