Table 2. Income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997 _______________________________________________________________________________________________________________________________________ | | 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)......................| 84,991 | 4,178 | 8,904 | 9,096 | 7,424 | 12,415 | 10,392 | 7,949 | 11,930 | 12,705 Income before taxes(2).............| $39,926 | $2,050 | $7,708 | $12,411 | $17,393 | $24,599 | $34,583 | $44,396 | $58,249 |$107,170 Income after taxes(2)..............| 36,684 | 2,015 | 7,668 | 12,264 | 17,009 | 23,538 | 32,123 | 40,655 | 53,145 | 96,037 Age of reference person............| 47.8 | 39.9 | 54.6 | 54.6 | 51.1 | 48.6 | 45.1 | 44.4 | 44.3 | 45.5 Average number in consumer unit: | | | | | | | | | | Persons...........................| 2.5 | 1.8 | 1.7 | 2.1 | 2.3 | 2.4 | 2.6 | 2.8 | 3.0 | 3.1 Children under 18.................| .7 | .5 | .4 | .6 | .6 | .6 | .7 | .8 | .9 | .9 Persons 65 and over...............| .3 | .2 | .5 | .6 | .5 | .4 | .2 | .2 | .2 | .1 Earners...........................| 1.3 | .8 | .5 | .7 | 1.0 | 1.2 | 1.5 | 1.7 | 1.9 | 2.1 Vehicles..........................| 2.0 | 1.0 | .9 | 1.3 | 1.7 | 1.8 | 2.2 | 2.4 | 2.7 | 3.0 Percent distribution: | | | | | | | | | | Male..............................| 59 | 41 | 34 | 41 | 54 | 59 | 64 | 68 | 72 | 76 Female............................| 41 | 59 | 66 | 59 | 46 | 41 | 36 | 32 | 28 | 24 Percent homeowner.................| 64 | 31 | 40 | 53 | 57 | 58 | 62 | 72 | 81 | 88 With mortgage....................| 38 | 12 | 10 | 14 | 20 | 26 | 40 | 51 | 64 | 72 Without mortgage.................| 25 | 19 | 30 | 39 | 37 | 31 | 23 | 21 | 17 | 15 Renter............................| 36 | 69 | 60 | 47 | 43 | 42 | 38 | 28 | 19 | 12 Black.............................| 11 | 18 | 18 | 16 | 12 | 13 | 11 | 8 | 8 | 6 White and other...................| 89 | 82 | 82 | 84 | 88 | 87 | 89 | 92 | 92 | 94 Elementary (1-8)..................| 8 | 9 | 22 | 13 | 12 | 8 | 5 | 3 | 1 | 1 High school (9-12)................| 39 | 41 | 46 | 52 | 49 | 44 | 40 | 37 | 32 | 19 College...........................| 53 | 49 | 31 | 34 | 39 | 48 | 55 | 60 | 67 | 80 Never attended and other..........| (3)| 1 | 1 | (3)| (3)| (3)| (3)| (3)| (3)| (4) At least one vehicle owned or | | | | | | | | | | leased.........................| 88 | 57 | 62 | 78 | 88 | 92 | 94 | 97 | 98 | 98 Average annual expenditures........| 36,146 | 16,545 | 15,154 | 18,737 | 23,940 | 27,836 | 34,376 | 40,779 | 48,417 | 71,656 Food..............................| 4,902 | 2,711 | 2,601 | 3,006 | 3,764 | 4,109 | 4,888 | 5,429 | 6,220 | 8,279 Food at home.....................| 2,970 | 1,714 | 1,853 | 2,155 | 2,634 | 2,701 | 3,062 | 3,221 | 3,556 | 4,315 Cereals and bakery products.....| 465 | 277 | 275 | 322 | 412 | 421 | 489 | 506 | 549 | 691 Cereals and cereal products....| 166 | 96 | 99 | 127 | 159 | 142 | 184 | 168 | 196 | 237 Bakery products................| 299 | 181 | 175 | 195 | 253 | 278 | 305 | 338 | 353 | 453 Meats, poultry, fish, and eggs..| 756 | 452 | 498 | 604 | 726 | 728 | 774 | 774 | 880 | 1,024 Beef...........................| 226 | 120 | 134 | 178 | 212 | 219 | 238 | 238 | 291 | 292 Pork...........................| 161 | 76 | 121 | 155 | 165 | 161 | 164 | 160 | 171 | 203 Other meats....................| 99 | 60 | 64 | 71 | 94 | 92 | 100 | 115 | 114 | 135 Poultry........................| 146 | 90 | 96 | 120 | 133 | 132 | 147 | 152 | 169 | 207 Fish and seafood...............| 91 | 82 | 57 | 52 | 88 | 88 | 88 | 76 | 99 | 150 Eggs...........................| 34 | 24 | 25 | 29 | 35 | 36 | 37 | 33 | 36 | 38 Dairy products..................| 329 | 190 | 195 | 242 | 281 | 295 | 332 | 374 | 395 | 487 Fresh milk and cream...........| 134 | 81 | 85 | 107 | 122 | 132 | 143 | 153 | 154 | 173 Other dairy products...........| 195 | 109 | 109 | 135 | 159 | 163 | 189 | 221 | 242 | 314 Fruits and vegetables...........| 485 | 289 | 317 | 361 | 433 | 444 | 479 | 496 | 565 | 735 Fresh fruits...................| 154 | 94 | 94 | 112 | 126 | 147 | 154 | 153 | 197 | 226 Fresh vegetables...............| 145 | 79 | 98 | 106 | 137 | 139 | 138 | 135 | 159 | 231 Processed fruits...............| 105 | 65 | 70 | 74 | 100 | 83 | 103 | 112 | 122 | 164 Processed vegetables...........| 82 | 51 | 55 | 69 | 71 | 74 | 84 | 96 | 88 | 113 Other food at home..............| 935 | 506 | 569 | 626 | 782 | 813 | 987 | 1,072 | 1,167 | 1,378 Sugar and other sweets.........| 118 | 62 | 84 | 77 | 101 | 100 | 127 | 127 | 152 | 170 Fats and oils..................| 83 | 51 | 59 | 66 | 89 | 76 | 92 | 84 | 96 | 105 Miscellaneous foods............| 425 | 222 | 242 | 264 | 357 | 373 | 451 | 501 | 532 | 633 Nonalcoholic beverages.........| 254 | 139 | 168 | 193 | 199 | 232 | 267 | 302 | 310 | 347 Food prepared by consumer unit | | | | | | | | | | on out-of-town tr...........| 55 | 33 | 17 | 26 | 36 | 32 | 50 | 59 | 77 | 123 Food away from home..............| 1,932 | 997 | 748 | 851 | 1,129 | 1,408 | 1,826 | 2,208 | 2,664 | 3,964 Alcoholic beverages...............| 330 | 180 | 145 | 128 | 190 | 256 | 319 | 363 | 417 | 699 Housing...........................| 11,348 | 5,993 | 5,587 | 6,878 | 8,047 | 8,782 | 10,653 | 12,359 | 14,380 | 21,816 Shelter..........................| 6,339 | 3,446 | 2,980 | 3,765 | 4,376 | 4,832 | 6,004 | 6,969 | 7,827 | 12,590 Owned dwellings.................| 3,933 | 1,255 | 976 | 1,591 | 1,878 | 2,253 | 3,243 | 4,454 | 5,793 | 9,898 Mortgage interest and charges..| 2,235 | 578 | 320 | 529 | 686 | 1,059 | 1,770 | 2,657 | 3,643 | 6,193 Property taxes.................| 947 | 390 | 321 | 512 | 674 | 640 | 734 | 990 | 1,251 | 2,199 Maintenance, repairs, | | | | | | | | | | insurance, other expenses...| 751 | 286 | 336 | 550 | 519 | 554 | 739 | 808 | 899 | 1,506 Rented dwellings................| 1,980 | 2,003 | 1,910 | 2,048 | 2,292 | 2,371 | 2,536 | 2,137 | 1,540 | 1,266 Other lodging...................| 426 | 189 | 94 | 126 | 206 | 208 | 225 | 378 | 494 | 1,425 Utilities, fuels, and public | | | | | | | | | | services......................| 2,408 | 1,386 | 1,568 | 1,835 | 2,136 | 2,218 | 2,403 | 2,599 | 2,933 | 3,478 Natural gas.....................| 298 | 150 | 194 | 222 | 270 | 279 | 300 | 337 | 348 | 437 Electricity.....................| 900 | 544 | 601 | 732 | 830 | 842 | 891 | 973 | 1,080 | 1,235 Fuel oil and other fuels........| 109 | 49 | 89 | 86 | 96 | 98 | 107 | 111 | 126 | 163 Telephone services..............| 809 | 511 | 516 | 594 | 696 | 742 | 834 | 859 | 1,001 | 1,168 Water and other public services.| 292 | 132 | 168 | 202 | 245 | 258 | 271 | 319 | 378 | 475 Household operations.............| 562 | 206 | 187 | 315 | 304 | 354 | 359 | 500 | 754 | 1,496 Personal services...............| 273 | 74 | 79 | 135 | 141 | 174 | 179 | 271 | 433 | 674 Other household expenses........| 289 | 132 | 108 | 179 | 163 | 180 | 180 | 228 | 320 | 822 Housekeeping supplies............| 485 | 240 | 250 | 301 | 347 | 394 | 482 | 524 | 651 | 833 Laundry and cleaning supplies...| 125 | 63 | 78 | 86 | 104 | 109 | 128 | 145 | 162 | 179 Other household products........| 222 | 111 | 110 | 142 | 148 | 160 | 207 | 238 | 326 | 399 Postage and stationery..........| 138 | 67 | 63 | 74 | 94 | 125 | 146 | 141 | 164 | 254 Household furnishings and | | | | | | | | | | equipment.....................| 1,554 | 713 | 602 | 662 | 885 | 985 | 1,405 | 1,767 | 2,214 | 3,420 Household textiles..............| 82 | 41 | 29 | 40 | 49 | 54 | 64 | 80 | 113 | 196 Furniture.......................| 380 | 144 | 135 | 151 | 224 | 203 | 310 | 373 | 580 | 935 Floor coverings.................| 83 | (5)21 | (5)21 | 16 | 24 | 26 | 129 | 137 | 96 | 190 Major appliances................| 174 | 76 | 94 | 103 | 132 | 136 | 220 | 167 | 225 | 292 Small appliances, miscellaneous | | | | | | | | | | housewares...................| 100 | 160 | 40 | 48 | 69 | 69 | 95 | 77 | 137 | 197 Miscellaneous household | | | | | | | | | | equipment....................| 735 | 271 | 283 | 305 | 386 | 497 | 588 | 932 | 1,064 | 1,610 Apparel and services..............| 1,786 | 948 | 769 | 771 | 1,184 | 1,363 | 1,772 | 1,778 | 2,614 | 3,442 Men and boys.....................| 423 | 187 | 153 | 184 | 238 | 294 | 414 | 471 | 616 | 874 Men, 16 and over................| 338 | 142 | 126 | 131 | 179 | 214 | 343 | 359 | 506 | 724 Boys, 2 to 15...................| 85 | 45 | 27 | 54 | 59 | 80 | 72 | 112 | 111 | 150 Women and girls..................| 699 | 311 | 318 | 289 | 467 | 558 | 682 | 672 | 1,051 | 1,336 Women, 16 and over..............| 591 | 252 | 290 | 245 | 390 | 485 | 560 | 528 | 903 | 1,134 Girls, 2 to 15..................| 108 | 59 | 28 | 45 | 77 | 73 | 122 | 144 | 148 | 202 Children under 2.................| 84 | 24 | 42 | 37 | 67 | 78 | 92 | 93 | 120 | 129 Footwear.........................| 326 | 263 | 179 | 168 | 297 | 261 | 339 | 343 | 450 | 494 Other apparel products and | | | | | | | | | | services......................| 255 | 164 | 77 | 92 | 114 | 173 | 246 | 199 | 377 | 609 Transportation....................| 6,669 | 2,540 | 2,218 | 3,146 | 4,234 | 5,249 | 7,139 | 8,444 | 9,436 | 12,387 Vehicle purchases (net outlay)...| 2,856 | 944 | 872 | 1,260 | 1,728 | 2,276 | 3,382 | 4,074 | 4,085 | 4,900 Cars and trucks, new............| 1,310 | (5)60 | (5)224 | 544 | 408 | 976 | 1,579 | 1,682 | 1,915 | 2,865 Cars and trucks, used...........| 1,500 | 884 | 637 | 717 | 1,296 | 1,256 | 1,779 | 2,328 | 2,115 | 1,901 Other vehicles..................| 47 | (6)| (5)11 | (4)| (5)24 | (5)44 | (5)25 | (5)64 | 55 | 134 Gasoline and motor oil...........| 1,110 | 546 | 490 | 646 | 841 | 963 | 1,181 | 1,331 | 1,547 | 1,758 Other vehicle expenses...........| 2,312 | 857 | 711 | 1,090 | 1,448 | 1,753 | 2,288 | 2,681 | 3,319 | 4,683 Vehicle finance charges.........| 305 | 96 | 55 | 90 | 161 | 234 | 360 | 447 | 510 | 530 Maintenance and repairs.........| 720 | 316 | 253 | 452 | 514 | 600 | 699 | 739 | 981 | 1,369 Vehicle insurance...............| 779 | 256 | 260 | 400 | 553 | 666 | 849 | 915 | 1,114 | 1,374 Vehicle rental, leases, | | | | | | | | | | licenses, other charges......| 508 | 188 | 143 | 148 | 220 | 253 | 381 | 581 | 714 | 1,410 Public transportation............| 390 | 193 | 145 | 150 | 217 | 257 | 288 | 358 | 485 | 1,046 Health care.......................| 1,898 | 842 | 1,219 | 1,563 | 1,830 | 1,918 | 1,820 | 2,052 | 2,214 | 2,642 Health insurance.................| 900 | 351 | 594 | 799 | 858 | 918 | 859 | 981 | 1,133 | 1,137 Medical services.................| 544 | 256 | 253 | 282 | 520 | 494 | 496 | 625 | 650 | 981 Drugs............................| 342 | 186 | 303 | 391 | 373 | 400 | 346 | 322 | 309 | 342 Medical supplies.................| 113 | 50 | 69 | 90 | 80 | 106 | 118 | 125 | 123 | 183 Entertainment.....................| 1,868 | 752 | 648 | 832 | 1,062 | 1,274 | 1,514 | 2,054 | 2,654 | 4,300 Fees and admissions..............| 490 | 208 | 126 | 145 | 226 | 274 | 366 | 496 | 668 | 1,382 Television, radios, sound | | | | | | | | | | equipment.....................| 596 | 300 | 298 | 397 | 457 | 512 | 591 | 681 | 768 | 996 Pets, toys, and playground | | | | | | | | | | equipment.....................| 339 | 142 | 132 | 164 | 191 | 257 | 309 | 360 | 539 | 654 Other entertainment supplies, | | | | | | | | | | equipment and serv............| 442 | 102 | 93 | 126 | 187 | 231 | 248 | 517 | 678 | 1,268 Personal care products and | | | | | | | | | | services.......................| 551 | 216 | 255 | 329 | 402 | 497 | 594 | 571 | 708 | 957 Reading...........................| 171 | 74 | 70 | 93 | 113 | 141 | 159 | 170 | 233 | 346 Education.........................| 548 | 676 | 385 | 293 | 287 | 354 | 398 | 499 | 722 | 1,131 Tobacco products and smoking | | | | | | | | | | supplies.......................| 271 | 210 | 215 | 248 | 272 | 263 | 321 | 286 | 316 | 262 Miscellaneous.....................| 888 | 532 | 479 | 441 | 662 | 705 | 881 | 1,207 | 1,170 | 1,456 Cash contributions................| 1,085 | 568 | 232 | 381 | 828 | 999 | 841 | 1,176 | 1,188 | 2,635 Personal insurance and pensions...| 3,830 | 303 | 331 | 629 | 1,066 | 1,926 | 3,077 | 4,390 | 6,145 | 11,304 Life and other personal insurance| 387 | 96 | 123 | 169 | 214 | 295 | 306 | 360 | 571 | 921 Pensions and Social Security.....| 3,444 | 207 | 208 | 460 | 852 | 1,630 | 2,770 | 4,030 | 5,574 | 10,382 Money income before taxes.........| 39,926 | 2,050 | 7,708 | 12,411 | 17,393 | 24,599 | 34,583 | 44,396 | 58,249 | 107,170 Wages and salaries...............| 31,506 | 1,810 | 1,923 | 4,601 | 9,007 | 15,951 | 26,776 | 36,400 | 50,263 | 92,804 Self-employment income(2)........| 1,969 | -1,175 | 87 | 258 | 392 | 1,148 | 1,363 | 1,899 | 2,174 | 7,618 Social Security, private and | | | | | | | | | | government retireme...........| 4,531 | 535 | 4,000 | 5,797 | 6,521 | 5,944 | 4,783 | 4,320 | 3,618 | 3,547 Interest, dividends, rental | | | | | | | | | | income, other proper..........| 822 | 69 | 88 | 167 | 307 | 487 | 640 | 1,049 | 1,299 | 2,240 Unemployment and workers.........| 206 | 60 | 115 | 174 | 179 | 260 | 182 | 243 | 250 | 261 Public assistance, supplemental | | | | | | | | | | security income,..............| 382 | 442 | 1,136 | 944 | 438 | 278 | 226 | 102 | 127 | (5)45 Regular contributions for support| 293 | 109 | 166 | 265 | 284 | 361 | 363 | 235 | 317 | 358 Other income.....................| 217 | 200 | 194 | 205 | 265 | 170 | 249 | 147 | 201 | 297 Personal taxes....................| 3,241 | 35 | 40 | 147 | 384 | 1,061 | 2,460 | 3,741 | 5,104 | 11,133 Federal income taxes.............| 2,468 | -21 | -22 | 25 | 177 | 728 | 1,837 | 2,820 | 3,963 | 8,710 State and local income taxes(2)..| 645 | 8 | 15 | 51 | 120 | 233 | 511 | 762 | 978 | 2,153 Other taxes......................| 129 | 48 | 47 | 71 | 86 | 100 | 112 | 159 | 163 | 270 Income after taxes................| 36,684 | 2,015 | 7,668 | 12,264 | 17,009 | 23,538 | 32,123 | 40,655 | 53,145 | 96,037 Net change in total assets and | | | | | | | | | | liabilities....................| 489 | 2,099 | -511 | 75 | 1,099 | -604 | -2,776 | -854 | -1,093 | 6,665 Net change in total assets(2)....| 5,405 | 2,803 | 657 | 658 | 1,369 | 2,780 | 2,436 | 4,593 | 6,924 | 19,422 Net change in total liabilities..| 4,916 | 704 | 1,168 | 583 | 271 | 3,384 | 5,212 | 5,447 | 8,018 | 12,757 Other money receipts..............| 526 | 342 | 115 | 235 | 269 | 286 | 485 | 475 | 950 | 1,138 Mortgage principal paid on owned | | | | | | | | | | property.......................| -1,048 | -227 | -229 | -265 | -351 | -460 | -778 | -1,122 | -1,579 | -3,113 Estimated market value of owned | | | | | | | | | | home...........................| 75,617 | 31,752 | 29,125 | 41,527 | 50,613 | 54,246 | 60,653 | 75,991 | 99,082 | 172,497 Estimated monthly rental value of | | | | | | | | | | owned home.....................| 533 | 211 | 218 | 317 | 367 | 397 | 447 | 570 | 718 | 1,118 Gifts of goods and services.......| 1,069 | 645 | 529 | 546 | 655 | 764 | 1,007 | 907 | 1,536 | 2,198 Food.............................| 65 | 34 | 19 | 20 | 47 | 44 | 49 | 60 | 99 | 152 Housing..........................| 277 | 189 | 164 | 159 | 185 | 181 | 224 | 258 | 343 | 609 Housekeeping supplies...........| 40 | 17 | 21 | 23 | 23 | 31 | 39 | 42 | 46 | 83 Household textiles..............| 9 | 7 | 6 | 4 | 4 | 6 | 6 | 10 | 13 | 19 Appliances and miscellaneous | | | | | | | | | | housewares...................| 30 | (5)19 | 12 | 11 | 21 | 21 | 27 | 23 | 40 | 72 Major appliances...............| 7 | (5)2 | (5)2 | (5)3 | 10 | 2 | 7 | 6 | 12 | 13 Small appliances and | | | | | | | | | | miscellaneous housewares....| 23 | (5)17 | 11 | 8 | 12 | 19 | 20 | 17 | 28 | 59 Miscellaneous household | | | | | | | | | | equipment....................| 69 | 32 | 34 | 25 | 33 | 52 | 54 | 59 | 111 | 154 Other housing...................| 129 | 114 | 91 | 95 | 104 | 72 | 99 | 123 | 133 | 281 Apparel and services.............| 258 | 146 | 94 | 116 | 143 | 199 | 279 | 229 | 425 | 474 Males, 2 and over...............| 61 | 30 | 25 | 24 | 46 | 52 | 58 | 63 | 61 | 135 Females, 2 and over.............| 82 | 70 | 38 | 34 | 48 | 64 | 94 | 83 | 123 | 141 Children under 2................| 33 | (5)15 | 14 | 16 | 29 | 27 | 38 | 40 | 45 | 53 Other apparel products and | | | | | | | | | | services.....................| 81 | (5)31 | (5)18 | (5)43 | (5)19 | 56 | 88 | 42 | 196 | 145 Jewelry and watches............| 50 | (5)21 | (5)7 | (5)3 | (5)4 | (5)20 | (5)60 | (5)22 | (5)154 | 97 All other apparel products and | | | | | | | | | | services....................| 31 | (5)10 | (5)10 | (5)40 | (5)15 | 36 | 28 | (5)20 | 43 | 48 Transportation...................| 62 | 26 | 15 | 57 | 20 | 93 | 28 | 40 | 138 | 76 Health care......................| 31 | (5)9 | (5)20 | (5)6 | 61 | 17 | 22 | 40 | 26 | 68 Entertainment....................| 102 | 38 | 55 | 35 | 77 | 78 | 133 | 89 | 136 | 190 Toys, games, hobbies, and | | | | | | | | | | tricycles....................| 42 | (5)11 | (5)17 | (5)19 | (5)22 | 32 | 50 | 39 | 78 | 65 Other entertainment.............| 60 | 26 | 38 | 16 | 55 | 46 | 83 | 50 | 58 | 125 Education........................| 141 | (5)142 | 83 | 88 | (5)55 | 47 | 49 | 94 | 224 | 388 All other gifts..................| 133 | 60 | 78 | 65 | 66 | 104 | 223 | 99 | 147 | 241 ___________________________________|_________|_________|_________|_________|_________|_________|_________|_________|_________|_________ 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.