Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996 ____________________________________________________________________________________________________________________________________________________________________________________ | | | | | Complete reporting of income 1/ | | All consumer |_________________________________________________________________________________________| Incomplete Item | units | | | | | | | reporting of | |Total complete| Lowest 20 | Second 20 | Third 20 | Fourth 20 | Highest 20 | income | | reporting | percent | percent | percent | percent | percent | ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________ | | | | | | | | Number of consumer units (in thousands).....................| 104,212| 82,629| 16,491| 16,525| 16,520| 16,534| 16,559| 21,583 Lower limit.................................................| $0| $0| $0| $11,311| $21,581| $36,020| $58,367| $0 Income before taxes 1/......................................| $38,014| $38,014| $6,542| $16,204| $28,321| $46,296| $92,523| $0 Income after taxes 1/.......................................| 34,864| 34,864| 6,365| 15,796| 26,544| 42,447| 83,003| 0 Age of reference person.....................................| 47.7| 47.9| 50.7| 52.3| 47.1| 44.2| 45.0| 47.1 Average number in consumer unit: | | | | | | | | Persons....................................................| 2.5| 2.5| 1.8| 2.3| 2.6| 2.9| 3.1| 2.6 Children under 18..........................................| 0.7| 0.7| 0.4| 0.6| 0.7| 0.8| 0.9| 0.7 Persons 65 and over........................................| 0.3| 0.3| 0.4| 0.6| 0.3| 0.2| 0.1| 0.3 Earners....................................................| 1.3| 1.4| 0.6| 0.9| 1.3| 1.8| 2.1| 1.3 Vehicles...................................................| 1.9| 1.9| 1.0| 1.5| 2.0| 2.5| 2.8| 1.7 Percent distribution: | | | | | | | | Male.......................................................| 60| 60| 38| 52| 62| 71| 78| 60 Female.....................................................| 40| 40| 62| 48| 38| 29| 22| 40 Percent homeowner..........................................| 64| 64| 40| 57| 60| 74| 86| 64 With mortgage.............................................| 38| 38| 11| 20| 33| 55| 71| 37 Without mortgage..........................................| 26| 26| 29| 36| 28| 20| 16| 27 Renter.....................................................| 36| 36| 60| 43| 40| 26| 14| 36 Black......................................................| 12| 11| 18| 13| 11| 9| 6| 13 White and other............................................| 88| 89| 82| 87| 89| 91| 94| 87 Elementary (1-8)...........................................| 8| 8| 17| 13| 7| 4| 1| 7 High school (9-12).........................................| 41| 40| 47| 49| 44| 38| 23| 46 College....................................................| 50| 51| 35| 38| 49| 59| 76| 47 Never attended and other...................................| 0| 0| 1| 0| 0| 0| 0| 0 At least one vehicle owned.................................| 85| 86| 62| 84| 92| 95| 96| 80 Average annual expenditures.................................| $33,797| $35,591| $15,896| $22,799| $30,402| $41,965| $66,794| $27,167 Food.......................................................| 4,698| 4,913| 2,665| 3,702| 4,520| 5,782| 7,890| 3,964 Food at home..............................................| 2,876| 2,999| 1,918| 2,525| 2,824| 3,426| 4,299| 2,457 Cereals and bakery products..............................| 447| 467| 296| 378| 441| 536| 686| 378 Cereals and cereal products.............................| 166| 172| 119| 145| 167| 187| 241| 144 Bakery products.........................................| 281| 295| 177| 233| 274| 349| 445| 234 Meats, poultry, fish, and eggs...........................| 737| 758| 522| 688| 696| 854| 1,031| 664 Beef....................................................| 215| 220| 150| 206| 195| 259| 288| 199 Pork....................................................| 157| 160| 114| 152| 155| 183| 198| 146 Other meats.............................................| 99| 101| 70| 80| 97| 113| 147| 90 Poultry.................................................| 144| 151| 104| 130| 138| 171| 211| 122 Fish and seafood........................................| 88| 91| 55| 84| 75| 94| 150| 76 Eggs....................................................| 34| 35| 29| 37| 36| 35| 38| 31 Dairy products...........................................| 312| 330| 203| 264| 333| 376| 473| 251 Fresh milk and cream....................................| 132| 139| 96| 120| 149| 159| 171| 110 Other dairy products....................................| 180| 191| 107| 144| 184| 217| 302| 142 Fruits and vegetables....................................| 490| 504| 316| 450| 475| 548| 729| 444 Fresh fruits............................................| 153| 158| 91| 143| 150| 174| 232| 138 Fresh vegetables........................................| 147| 148| 98| 134| 133| 154| 219| 147 Processed fruits........................................| 110| 115| 71| 98| 111| 129| 165| 92 Processed vegetables....................................| 80| 83| 56| 74| 82| 91| 114| 68 Other food at home.......................................| 889| 940| 581| 745| 880| 1,111| 1,380| 719 Sugar and other sweets..................................| 114| 121| 76| 100| 121| 146| 164| 91 Fats and oils...........................................| 83| 87| 67| 83| 83| 95| 106| 71 Miscellaneous foods.....................................| 391| 415| 241| 323| 389| 504| 620| 308 Nonalcoholic beverages..................................| 252| 264| 175| 210| 254| 303| 377| 213 Food prepared by consumer unit on out-of-town trips.....| 49| 52| 23| 28| 34| 64| 112| 37 Food away from home.......................................| 1,823| 1,914| 747| 1,177| 1,696| 2,356| 3,591| 1,506 Alcoholic beverages........................................| 309| 333| 149| 200| 311| 366| 640| 225 Housing....................................................| 10,747| 10,899| 5,514| 7,551| 9,340| 12,436| 19,625| 10,206 Shelter...................................................| 6,064| 6,058| 3,060| 4,071| 5,047| 6,856| 11,241| 6,084 Owned dwellings..........................................| 3,783| 3,791| 1,055| 1,829| 2,560| 4,646| 8,850| 3,749 Mortgage interest and charges...........................| 2,114| 2,139| 335| 674| 1,259| 2,815| 5,603| 2,018 Property taxes..........................................| 939| 922| 374| 599| 675| 1,013| 1,946| 1,005 Maintenance, repairs, insurance, other expenses.........| 729| 730| 347| 557| 626| 817| 1,301| 726 Rented dwellings.........................................| 1,864| 1,850| 1,834| 2,076| 2,245| 1,796| 1,303| 1,915 Other lodging............................................| 417| 417| 171| 166| 243| 415| 1,088| 419 Utilities, fuels, and public services.....................| 2,347| 2,359| 1,549| 2,006| 2,253| 2,677| 3,306| 2,300 Natural gas..............................................| 291| 290| 199| 242| 275| 310| 424| 296 Electricity..............................................| 907| 902| 605| 797| 868| 1,033| 1,206| 929 Fuel oil and other fuels.................................| 108| 112| 85| 100| 109| 123| 142| 93 Telephone services.......................................| 772| 780| 513| 641| 750| 892| 1,100| 745 Water and other public services..........................| 268| 276| 147| 225| 252| 319| 434| 238 Household operations......................................| 522| 547| 190| 261| 402| 621| 1,258| 427 Personal services........................................| 259| 274| 63| 98| 225| 389| 596| 198 Other household expenses.................................| 263| 272| 127| 163| 177| 232| 663| 229 Housekeeping supplies.....................................| 464| 508| 242| 405| 426| 588| 878| 314 Laundry and cleaning supplies............................| 119| 128| 74| 106| 130| 160| 172| 87 Other household products.................................| 205| 224| 100| 170| 187| 268| 394| 142 Postage and stationery...................................| 140| 156| 68| 129| 109| 160| 312| 85 Household furnishings and equipment.......................| 1,350| 1,427| 472| 808| 1,213| 1,693| 2,942| 1,081 Household textiles.......................................| 76| 78| 33| 53| 67| 88| 151| 66 Furniture................................................| 321| 322| 100| 183| 248| 389| 688| 316 Floor coverings..........................................| 101| 110| 23| 25| 122| 181| 200| 69 Major appliances.........................................| 162| 171| 74| 115| 165| 190| 312| 127 Small appliances, miscellaneous housewares...............| 84| 91| 34| 59| 75| 97| 192| 60 Miscellaneous household equipment........................| 607| 653| 209| 372| 536| 748| 1,400| 442 Apparel and services.......................................| 1,752| 1,874| 775| 1,194| 1,542| 2,223| 3,632| 1,337 Men and boys..............................................| 423| 448| 154| 262| 380| 557| 885| 337 Men, 16 and over.........................................| 330| 351| 115| 199| 300| 427| 715| 257 Boys, 2 to 15............................................| 93| 97| 39| 63| 80| 130| 171| 80 Women and girls...........................................| 718| 769| 354| 475| 610| 915| 1,492| 544 Women, 16 and over.......................................| 607| 656| 318| 410| 513| 750| 1,288| 442 Girls, 2 to 15...........................................| 111| 113| 35| 64| 98| 165| 203| 102 Children under 2..........................................| 82| 86| 32| 66| 65| 143| 125| 70 Footwear..................................................| 298| 307| 147| 227| 293| 363| 503| 270 Other apparel products and services.......................| 230| 264| 88| 164| 194| 246| 626| 116 Transportation.............................................| 6,382| 6,602| 2,817| 4,217| 6,007| 8,039| 11,912| 5,542 Vehicle purchases (net outlay)............................| 2,815| 2,922| 1,331| 1,842| 2,755| 3,463| 5,209| 2,406 Cars and trucks, new.....................................| 1,209| 1,255| 395| 542| 1,042| 1,519| 2,770| 1,033 Cars and trucks, used....................................| 1,568| 1,621| 935| 1,289| 1,679| 1,931| 2,269| 1,364 Other vehicles...........................................| 38| 46| 2| 11| 34| 13| 169| 9 Gasoline and motor oil....................................| 1,082| 1,106| 524| 776| 1,065| 1,430| 1,732| 989 Other vehicle expenses....................................| 2,058| 2,147| 746| 1,360| 1,934| 2,716| 3,971| 1,724 Vehicle finance charges..................................| 276| 285| 75| 154| 274| 406| 518| 238 Maintenance and repairs..................................| 645| 688| 280| 448| 686| 858| 1,166| 486 Vehicle insurance........................................| 698| 717| 254| 516| 679| 918| 1,217| 622 Vehicle rental, leases, licenses, other charges..........| 440| 456| 137| 242| 295| 534| 1,070| 379 Public transportation.....................................| 427| 428| 216| 239| 254| 430| 1,000| 423 Health care................................................| 1,770| 1,831| 1,111| 1,759| 1,839| 2,022| 2,421| 1,543 Health insurance..........................................| 827| 842| 509| 828| 862| 937| 1,072| 770 Medical services..........................................| 543| 559| 293| 471| 527| 660| 841| 486 Drugs.....................................................| 303| 324| 263| 375| 351| 306| 322| 226 Medical supplies..........................................| 97| 107| 46| 84| 99| 119| 186| 62 Entertainment..............................................| 1,834| 1,940| 685| 967| 1,534| 2,505| 4,004| 1,444 Fees and admissions.......................................| 459| 475| 142| 212| 312| 518| 1,189| 398 Television, radios, sound equipment.......................| 561| 580| 308| 428| 519| 698| 944| 491 Pets, toys, and playground equipment......................| 335| 364| 139| 208| 325| 434| 711| 237 Other entertainment supplies, equipment and services......| 479| 522| 96| 119| 377| 855| 1,160| 319 Personal care products and services........................| 513| 540| 258| 364| 507| 661| 909| 418 Reading....................................................| 159| 165| 76| 108| 145| 185| 311| 137 Education..................................................| 524| 501| 427| 236| 286| 493| 1,061| 613 Tobacco products and smoking supplies......................| 255| 264| 187| 251| 305| 312| 266| 218 Miscellaneous..............................................| 855| 919| 440| 702| 865| 1,046| 1,541| 613 Cash contributions.........................................| 940| 1,090| 464| 558| 818| 1,211| 2,395| 369 Personal insurance and pensions............................| 3,060| 3,719| 328| 990| 2,383| 4,684| 10,187| 539 Life and other personal insurance.........................| 353| 370| 122| 214| 281| 434| 798| 288 Pensions and Social Security..............................| 2,707| 3,349| 206| 776| 2,102| 4,251| 9,389| 251 Money income before taxes 1/...............................| 38,014| 38,014| 6,542| 16,204| 28,321| 46,296| 92,523| 0 Wages and salaries........................................| 29,560| 29,560| 1,989| 8,084| 20,576| 38,665| 78,324| 0 Self-employment income....................................| 2,318| 2,318| -78| 356| 1,058| 2,200| 8,037| 0 Social Security, private and government retirement........| 4,334| 4,334| 3,211| 6,178| 5,142| 3,682| 3,458| 0 Interest, dividends, rental income, other property income.| 761| 761| 74| 306| 548| 851| 2,024| 0 Unemployment and workers' compensation, veterans' benefits| 213| 213| 97| 212| 257| 278| 219| 0 Public assistance, supplemental security income, food | | | | | | | | stamps.................................................| 437| 437| 953| 700| 335| 156| 45| 0 Regular contributions for support.........................| 243| 243| 155| 222| 226| 349| 262| 0 Other income..............................................| 148| 148| 143| 146| 180| 114| 154| 0 Personal taxes 1/..........................................| 3,150| 3,150| 177| 408| 1,776| 3,849| 9,520| 0 Federal income taxes......................................| 2,372| 2,372| 111| 251| 1,312| 2,897| 7,272| 0 State and local income taxes..............................| 665| 665| 36| 94| 376| 821| 1,996| 0 Other taxes...............................................| 113| 113| 30| 64| 88| 131| 253| 0 Income after taxes 1/......................................| 34,864| 34,864| 6,365| 15,796| 26,544| 42,447| 83,003| 0 Net change in total assets and liabilities.................| -1,689| -2,242| -655| -1,479| -3,902| -2,993| -2,177| 427 Net change in total assets................................| 4,049| 4,142| 185| 1,447| 868| 6,449| 11,737| 3,691 Net change in total liabilities...........................| 5,738| 6,384| 839| 2,926| 4,770| 9,442| 13,914| 3,264 Other money receipts.......................................| 309| 377| 157| 211| 211| 407| 900| 48 Mortgage principal paid on owned property..................| -960| -961| -232| -348| -592| -1,167| -2,460| -958 Estimated market value of owned home.......................| 73,168| 72,393| 32,118| 46,227| 56,317| 79,855| 147,208| 76,134 Estimated monthly rental value of owned home...............| 503| 503| 224| 362| 404| 573| 948| 506 Gifts of goods and services................................| 1,119| 1,175| 575| 793| 869| 1,234| 2,399| 930 Food......................................................| 62| 61| 26| 35| 49| 68| 129| 67 Housing...................................................| 280| 297| 155| 212| 206| 305| 608| 217 Housekeeping supplies....................................| 40| 43| 19| 34| 33| 48| 83| 31 Household textiles.......................................| 8| 8| 4| 8| 6| 8| 14| 7 Appliances and miscellaneous housewares..................| 30| 33| 12| 23| 33| 25| 72| 21 Major appliances........................................| 8| 8| 2| 7| 9| 9| 12| 8 Small appliances and miscellaneous housewares...........| 22| 25| 10| 16| 24| 16| 60| 13 Miscellaneous household equipment........................| 81| 89| 39| 48| 61| 97| 200| 53 Other housing............................................| 120| 124| 82| 99| 72| 127| 240| 105 Apparel and services......................................| 296| 324| 125| 262| 246| 343| 644| 202 Males, 2 and over........................................| 78| 81| 42| 63| 80| 74| 145| 68 Females, 2 and over......................................| 99| 108| 41| 98| 80| 109| 211| 70 Children under 2.........................................| 41| 43| 14| 24| 31| 67| 80| 32 Other apparel products and services......................| 78| 92| 27| 77| 55| 93| 208| 32 Jewelry and watches.....................................| 44| 53| 7| 50| 24| 42| 142| 14 All other apparel products and services.................| 34| 39| 21| 27| 31| 51| 66| 18 Transportation............................................| 60| 64| 36| 29| 29| 85| 143| 43 Health care...............................................| 43| 43| 50| 27| 68| 22| 47| 42 Entertainment.............................................| 110| 122| 56| 71| 105| 140| 237| 68 Toys, games, hobbies, and tricycles......................| 40| 45| 19| 31| 49| 62| 66| 20 Other entertainment......................................| 70| 76| 37| 40| 56| 78| 171| 48 Education.................................................| 128| 113| 51| 36| 45| 133| 297| 186 All other gifts...........................................| 140| 150| 77| 121| 121| 138| 294| 105 ____________________________________________________________|______________|______________|______________|______________|______________|______________|______________|______________ 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.