Table 10. Origin of reference person: Average annual expenditures and characteristics of all consumer units, Consumer Expenditure Survey, 1995 All Total Non-Hispanic Item consumer Hispanic Non- less Afro- Afro- units Hispanic American American ____________________________________________________ Number of consumer units (in thousands)... 103,123 8,000 95,123 84,870 10,254 Income before taxes 1/.................... $36,918 $27,203 $37,791 $39,189 $25,460 Income after taxes 1/..................... 33,864 25,561 34,610 35,818 23,961 Age of reference person................... 48.0 40.8 48.6 48.9 46.1 Average number in consumer unit:.......... Persons.................................. 2.5 3.4 2.5 2.4 2.8 Children under 18........................ 0.7 1.3 0.6 0.6 1.0 Persons 65 and over...................... 0.3 0.2 0.3 0.3 0.2 Earners.................................. 1.3 1.5 1.3 1.4 1.1 Vehicles................................. 1.9 1.6 2.0 2.0 1.2 Percent distribution: Male..................................... 62 64 62 65 44 Female................................... 38 36 38 35 56 Percent homeowner........................ 64 41 66 69 44 With mortgage........................... 38 27 39 40 26 Without mortgage........................ 26 14 27 28 19 Renter................................... 36 59 34 31 56 Black.................................... 11 3 12 1 100 White and other.......................... 89 97 88 99 0 Elementary (1-8)......................... 9 24 7 7 10 High school (9-12)....................... 44 45 44 42 56 College.................................. 47 29 49 50 34 Never attended and other................. 0 2 0 0 0 At least one vehicle owned............... 86 78 86 88 69 Average annual expenditures............... $32,264 $26,744 $32,729 $33,868 $23,433 Food..................................... 4,505 4,677 4,490 4,639 3,322 Food at home............................ 2,803 3,370 2,753 2,803 2,367 Cereals and bakery products............ 441 454 440 450 361 Cereals and cereal products........... 165 203 162 162 158 Bakery products....................... 276 251 278 288 204 Meats, poultry, fish, and eggs......... 752 1,097 722 708 833 Beef.................................. 228 331 218 220 207 Pork.................................. 156 229 150 141 212 Other meats........................... 104 121 102 102 102 Poultry............................... 138 205 132 128 163 Fish and seafood...................... 97 148 93 90 115 Eggs.................................. 30 62 27 27 34 Dairy products......................... 297 347 292 304 200 Fresh milk and cream.................. 123 179 118 122 86 Other dairy products.................. 174 168 174 182 114 Fruits and vegetables.................. 457 593 445 453 377 Fresh fruits.......................... 144 202 139 142 112 Fresh vegetables...................... 137 185 133 137 107 Processed fruits...................... 96 117 94 94 89 Processed vegetables.................. 80 89 79 80 68 Other food at home..................... 856 879 854 887 596 Sugar and other sweets................ 112 96 114 117 90 Fats and oils......................... 82 113 80 80 73 Miscellaneous foods................... 377 386 376 393 243 Nonalcoholic beverages................ 240 258 239 247 177 Food prep. by cu, out-of-town trips... 45 27 47 51 13 Food away from home..................... 1,702 1,308 1,736 1,836 954 Alcoholic beverages...................... 277 197 284 303 138 Housing.................................. 10,458 9,212 10,564 10,886 7,932 Shelter................................. 5,928 5,566 5,959 6,157 4,317 Owned dwellings........................ 3,749 2,352 3,866 4,119 1,771 Mortgage interest and charges......... 2,104 1,520 2,153 2,297 963 Property taxes........................ 930 466 969 1,036 419 Maintenance, rep., ins., oth. exp..... 715 367 744 787 389 Rented dwellings....................... 1,788 3,100 1,678 1,591 2,397 Other lodging.......................... 391 113 415 447 149 Utilities, fuels, and public services... 2,191 1,957 2,210 2,209 2,218 Natural gas............................ 268 223 272 266 325 Electricity............................ 869 693 884 888 852 Fuel oil and other fuels............... 86 19 92 98 42 Telephone.............................. 708 796 700 692 772 Water and other public services........ 259 225 262 266 228 Household operations.................... 509 317 525 552 299 Personal services...................... 258 212 262 269 207 Other household expenses............... 250 104 263 283 92 Housekeeping supplies................... 430 387 433 459 236 Laundry and cleaning supplies.......... 110 160 106 107 98 Other household products............... 194 158 197 210 94 Postage and stationery................. 125 70 130 141 44 Household furnishings and equipment..... 1,401 986 1,437 1,509 862 Household textiles..................... 100 59 104 111 47 Furniture.............................. 327 274 331 330 338 Floor coverings........................ 177 122 182 201 33 Major appliances....................... 155 117 158 157 169 Small appliances, misc. housewares..... 85 50 88 94 41 Miscellaneous household equipment...... 557 363 573 616 234 Apparel and services..................... 1,704 1,719 1,702 1,682 1,860 Men and boys............................ 425 422 425 432 372 Men, 16 and over....................... 329 309 331 344 224 Boys, 2 to 15.......................... 96 113 94 87 148 Women and girls......................... 660 506 674 670 707 Women, 16 and over..................... 559 398 573 571 589 Girls, 2 to 15......................... 101 108 101 99 118 Children under 2........................ 81 158 74 72 87 Footwear................................ 278 334 273 252 443 Other apparel products and services..... 259 298 256 257 251 Transportation........................... 6,014 5,114 6,090 6,284 4,492 Vehicle purchases (net outlay).......... 2,638 2,470 2,653 2,718 2,116 Cars and trucks, new................... 1,198 868 1,225 1,252 1,004 Cars and trucks, used.................. 1,406 1,601 1,390 1,429 1,067 Other vehicles......................... 34 0 37 36 45 Gasoline and motor oil.................. 1,006 890 1,015 1,053 706 Other vehicle expenses.................. 2,015 1,436 2,064 2,140 1,436 Vehicle finance charges................ 260 173 268 269 253 Maintenance and repairs................ 653 477 668 689 501 Vehicle insurance...................... 712 527 728 756 496 Veh. rent., leas., licen., oth. chges.. 389 259 400 426 186 Public transportation................... 355 318 358 373 235 Health care.............................. 1,732 1,055 1,789 1,878 1,057 Health insurance........................ 860 477 893 931 572 Medical services........................ 512 394 521 557 223 Drugs................................... 280 139 292 301 217 Medical supplies........................ 80 45 83 88 45 Entertainment............................ 1,612 1,058 1,659 1,747 936 Fees and admissions..................... 433 231 450 486 147 Television, radios, sound equipment..... 542 459 549 553 516 Pets, toys, and playground equipment.... 322 173 335 362 120 Other supplies, equip., and services.... 315 195 325 346 153 Personal care products and services...... 403 369 406 411 372 Reading.................................. 162 74 170 182 73 Education................................ 471 292 487 520 215 Tobacco products and smoking supplies.... 269 142 279 292 178 Miscellaneous............................ 766 526 787 828 450 Cash contributions....................... 925 378 971 1,016 593 Personal insurance and pensions.......... 2,964 1,932 3,051 3,200 1,816 Life and other personal insurance....... 373 189 389 394 345 Pensions and Social Security............ 2,591 1,743 2,663 2,807 1,470 Money income before taxes 1/.............. 36,918 27,203 37,791 39,189 25,460 Wages and salaries....................... 28,474 22,582 29,003 29,982 20,369 Self-employment income................... 2,034 842 2,141 2,330 474 Soc. Sec., priv. and gov. retirement..... 4,355 1,446 4,616 4,832 2,713 Int., divid., rent. inc., property inc... 861 218 919 1,014 84 Unemp. and workers' compen., vet. ben.... 279 354 272 278 219 Pub. ass., supp. sec. inc., foodstamps... 462 1,313 386 285 1,280 Regular contributions for support........ 273 184 281 287 229 Other income............................. 180 264 173 181 94 Personal taxes 1/......................... 3,054 1,642 3,180 3,371 1,500 Federal income taxes..................... 2,235 1,208 2,327 2,467 1,091 State and local income taxes............. 640 364 665 700 356 Other taxes.............................. 179 69 188 204 53 Income after taxes 1/..................... 33,864 25,561 34,610 35,818 23,961 Net change in total assets and liabilities (969) (714) (990) (1,079) (256) Net change in total assets............... 3,102 2,759 3,131 3,344 1,368 Net change in total liabilities.......... 4,071 3,473 4,122 4,423 1,624 Other money receipts...................... 462 58 496 548 62 Mortgage principal paid, owned property... (1,063) (525) (1,108) (1,185) (467) Estimated market value of owned home...... 71,655 41,049 74,229 79,446 31,046 Est. monthly rental value of owned home... 496 297 512 543 259 Gifts of goods and services............... 986 493 1,028 1,082 595 Food.................................... 88 28 93 99 41 Housing................................. 250 88 264 282 115 Housekeeping supplies................. 38 18 39 43 13 Household textiles.................... 10 6 11 11 6 Appliances and misc. housewares....... 27 6 29 32 11 Major appliances.................... 5 1 5 5 5 Small appl. and misc. housewares.... 23 4 24 26 7 Miscellaneous household equipment..... 66 21 70 77 16 Other housing......................... 108 39 114 120 68 Apparel and services.................... 258 246 259 261 242 Males 2 and over...................... 70 41 72 74 56 Females 2 and over.................... 94 86 94 96 84 Children under 2...................... 40 76 36 36 35 Other apparel products and services... 55 42 56 55 68 Jewelry and watches................. 27 8 28 31 6 All other apparel products and serv. 29 34 28 24 62 Transportation.......................... 48 23 50 54 20 Health care............................. 22 3 24 25 11 Entertainment........................... 86 37 91 98 30 Toys, games, hobbies, and tricycles... 29 22 30 32 13 Other entertainment................... 57 15 61 66 17 Education............................... 120 15 129 137 59 All other gifts......................... 114 52 119 125 76 __________________________________________ 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.