Table 7. Housing tenure, type of area, race of reference person, and Hispanic origin of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998 Housing tenure Type of area Race of reference Hispanic origin of All person reference person Item consumer units Homeowner Renter Urban Rural White and Black Hispanic Non- other Hispanic _______________________________________________________________________________________ Number of consumer units (in thousands)...... 107,182 68,916 38,266 93,854 13,328 94,435 12,748 9,051 98,131 Income before taxes a/ ...................... $41,622 $50,578 $25,854 $42,965 $32,427 $43,066 $29,378 $31,073 $42,681 Income after taxes a/ ....................... 38,358 46,447 24,119 39,541 30,259 39,596 27,860 29,210 39,277 Age of the reference person.................. 47.6 52.1 39.6 47.2 50.9 48.0 45.1 41.8 48.2 Average number in consumer unit: Persons..................................... 2.5 2.7 2.2 2.5 2.6 2.5 2.8 3.2 2.4 Children under 18........................... .7 .7 .6 .7 .7 .6 1.0 1.2 .6 Persons 65 and over......................... .3 .4 .1 .3 .4 .3 .2 .2 .3 Earners..................................... 1.3 1.4 1.2 1.3 1.3 1.4 1.2 1.5 1.3 Vehicles.................................... 2.0 2.4 1.2 1.9 2.5 2.1 1.3 1.6 2.0 Percent distribution: Male........................................ 58 63 49 57 60 60 39 59 58 Female...................................... 42 37 51 43 40 40 61 41 42 Homeowner................................... 64 100 n.a 62 82 67 46 42 66 With mortgage.............................. 39 60 n.a 39 39 40 30 28 40 Without mortgage........................... 26 40 n.a 23 43 27 16 14 27 Renter...................................... 36 n.a. 100 38 18 33 54 58 34 Black....................................... 12 8 18 13 5 n.a. 100 6 12 White and other............................. 88 92 82 87 95 100 n.a. 94 88 Elementary (1-8)............................ 7 6 7 6 9 6 8 23 5 High school (9-12).......................... 39 37 41 37 50 37 50 45 38 College..................................... 54 56 51 56 41 56 42 30 56 Never attended and other.................... b/ b/ 1 b/ b/ b/ 1 2 b/ At least one vehicle owned or leased........ 87 95 72 86 94 89 71 81 87 Average annual expenditures.................. $35,535 $41,452 $24,859 $36,349 $29,813 $36,848 $25,796 $30,013 $36,044 Food........................................ 4,810 5,416 3,711 4,887 4,274 4,956 3,725 5,099 4,783 Food at home............................. 2,780 3,115 2,170 2,805 2,605 2,831 2,399 3,366 2,725 Cereals and bakery products............ 425 480 324 428 404 436 340 463 421 Cereals and cereal products.......... 146 161 120 148 136 148 134 172 144 Bakery products...................... 278 320 203 280 268 288 206 291 277 Meats, poultry, fish, and eggs......... 723 804 577 734 652 712 812 1,036 694 Beef................................. 218 244 171 220 208 222 192 339 207 Pork................................. 146 164 112 146 143 140 188 213 140 Other meats.......................... 92 103 72 92 92 93 84 125 89 Poultry.............................. 137 149 114 141 107 131 181 185 132 Fish and seafood..................... 98 108 79 101 73 93 131 114 96 Eggs................................. 32 34 29 33 29 32 36 60 30 Dairy products............................ 301 340 231 303 293 315 203 346 297 Fresh milk and cream................. 120 133 97 120 125 125 84 154 117 Other dairy products................. 181 207 134 183 168 189 120 192 180 Fruits and vegetables.................. 472 530 367 481 411 480 412 594 461 Fresh fruits......................... 149 169 113 154 114 153 121 207 144 Fresh vegetables..................... 145 160 117 149 118 148 119 201 140 Processed fruits..................... 101 115 77 103 90 101 102 107 101 Processed vegetables................. 76 86 60 75 88 77 70 79 76 Other food at home..................... 858 961 672 860 846 889 631 928 852 Sugar and other sweets............... 109 124 82 109 107 113 79 92 111 Fats and oils........................ 77 86 60 77 80 78 70 95 75 Miscellaneous foods.................. 388 433 306 390 371 403 278 411 386 Nonalcoholic beverages............... 231 251 194 229 240 237 186 285 226 Food prepared by consumer unit on out-of-town trips....................... 53 66 30 54 48 58 18 44 54 Food away from home...................... 2,030 2,301 1,540 2,082 1,669 2,125 1,326 1,733 2,058 Alcoholic beverages......................... 309 325 281 324 201 330 152 276 312 Housing..................................... 11,713 13,326 8,804 12,166 8,529 12,041 9,280 10,089 11,864 Shelter.................................. 6,680 7,191 5,761 7,076 3,896 6,877 5,224 6,148 6,730 Owned dwellings........................ 4,245 6,570 58 4,434 2,917 4,495 2,390 2,592 4,398 Mortgage interest and charges........ 2,455 3,798 35 2,583 1,550 2,580 1,525 1,642 2,530 Property taxes....................... 1,015 1,573 12 1,066 656 1,084 504 487 1,064 Maintenance, repairs, insurance,other expenses............................ 775 1,199 11 784 711 831 361 463 804 Rented dwellings....................... 1,978 29 5,488 2,163 670 1,888 2,644 3,337 1,852 Other lodging.......................... 458 592 216 479 309 494 191 218 480 Utilities, fuels, and public services...... 2,405 2,856 1,592 2,399 2,445 2,396 2,471 2,090 2,434 Natural gas............................ 284 347 170 305 135 277 337 274 285 Electricity............................ 921 1,109 582 897 1,094 919 933 729 939 Fuel oil and other fuels............... 85 118 26 68 203 91 41 33 90 Telephone services..................... 830 891 718 834 801 818 915 811 831 Water and other public services........ 285 390 96 295 212 290 245 243 289 Household operations..................... 546 687 291 577 326 575 326 347 564 Personal services...................... 260 304 181 274 160 267 207 214 264 Other household expenses............... 286 384 110 303 166 309 119 133 300 Housekeeping supplies...................... 482 599 268 485 463 514 244 392 490 Laundry and cleaning supplies.......... 118 136 84 116 132 121 95 139 116 Other household products............... 232 303 105 234 220 251 93 177 238 Postage and stationery................. 132 161 79 135 111 142 56 76 137 Household furnishings and equipment...... 1,601 1,993 892 1,629 1,400 1,679 1,015 1,111 1,646 Household textiles..................... 105 132 57 108 87 113 44 98 106 Furniture.............................. 377 468 214 386 319 393 264 300 385 Floor coverings........................ 144 186 69 152 89 149 109 18 156 Major appliances....................... 164 212 78 166 153 164 165 131 167 Small appliances, miscellaneous housewares............................ 80 96 52 82 68 86 39 70 81 Miscellaneous household equipment...... 729 899 422 736 684 775 394 496 751 Apparel and services........................ 1,674 1,855 1,345 1,724 1,321 1,673 1,675 1,934 1,649 Men and boys............................. 399 446 313 411 313 398 403 356 403 Men, 16 and over....................... 314 348 253 324 243 319 276 253 319 Boys, 2 to 15.......................... 85 98 61 87 70 79 127 103 83 Women and girls.......................... 651 753 468 669 526 664 560 722 645 Women, 16 and over..................... 548 629 402 566 424 560 456 563 547 Girls, 2 to 15......................... 103 124 66 104 102 103 105 160 98 Children under 2......................... 73 74 72 75 56 71 84 118 69 Footwear................................. 281 307 234 285 255 268 376 465 264 Other apparel products and services...... 270 276 258 284 170 272 252 273 270 Transportation.............................. 6,616 7,871 4,357 6,654 6,352 6,868 4,752 5,934 6,679 Vehicle purchases (net outlay)........... 2,964 3,560 1,892 2,961 2,990 3,071 2,175 2,834 2,976 Cars and trucks, new................... 1,383 1,846 550 1,410 1,191 1,435 998 1,104 1,409 Cars and trucks, used.................. 1,532 1,655 1,312 1,503 1,740 1,580 1,178 1,690 1,518 Other vehicles......................... 49 59 31 47 c/ 59 56 d/ c/ 41 50 Gasoline and motor oil................... 1,017 1,187 710 993 1,185 1,054 743 970 1,021 Other vehicle expenses................... 2,206 2,632 1,437 2,242 1,949 2,295 1,541 1,777 2,245 Vehicle finance charges................ 319 380 209 309 389 327 264 275 323 Maintenance and repairs................ 641 754 436 650 578 666 451 523 652 Vehicle insurance...................... 739 879 486 749 663 762 564 662 746 Vehicle rental, leases, licenses, other charges.................................. 507 619 305 534 318 540 262 318 524 Public transportation.................... 429 491 318 458 228 448 293 352 436 Health care................................. 1,903 2,392 1,022 1,873 2,109 2,015 1,069 1,096 1,977 Health insurance......................... 913 1,144 498 897 1,028 955 605 537 948 Medical services......................... 542 688 280 539 567 585 226 303 564 Drugs.................................... 346 436 183 336 412 366 196 193 360 Medical supplies......................... 102 124 62 102 102 110 42 64 105 Entertainment............................... 1,746 2,092 1,120 1,770 1,574 1,862 882 1,148 1,801 Fees and admissions...................... 449 556 256 471 289 486 175 234 468 Television, radios, sound equipment...... 535 586 442 553 407 550 421 506 538 Pets, toys, and playground equipment..... 329 415 175 330 321 354 150 185 343 Other entertainment supplies, equipment,and services.................. 433 536 247 415 558 473 137 222 452 Personal care products and services......... 401 462 290 413 319 403 388 333 407 Reading..................................... 161 195 99 166 123 173 72 62 170 Education................................... 580 609 527 627 251 611 349 319 604 Tobacco products and smoking supplies....... 273 276 268 263 344 284 194 138 285 Miscellaneous............................... 860 1,005 599 850 933 896 595 703 875 Cash contributions.......................... 1,109 1,408 572 1,161 747 1,181 575 537 1,162 Personal insurance and pensions............. 3,381 4,222 1,866 3,472 2,735 3,555 2,089 2,348 3,476 Life and other personal insurance........ 398 539 146 400 386 415 279 178 419 Pensions and Social Security............. 2,982 3,683 1,721 3,072 2,349 3,140 1,811 2,169 3,057 Sources of income and personal taxes: a/ Money income before taxes................ 41,622 50,578 25,854 42,965 32,427 43,066 29,378 31,073 42,681 Wages and salaries....................... 32,889 39,461 21,319 34,283 23,344 33,925 24,100 26,391 33,542 Self-employment income................... 2,239 2,955 979 2,236 2,261 2,435 578 1,270 2,336 Social Security, private and government retirement................... 4,618 6,217 1,805 4,499 5,439 4,796 3,112 1,974 4,884 Interest, dividends, rental income, other property income................... 871 1,235 230 894 712 959 129 129 946 Unemployment and workers'' compensation, veterans'' benefits..................... 193 201 179 194 188 187 246 222 190 Public assistance, supplemental security, income, food stamps..................... 330 148 652 338 277 265 884 582 305 Regular contributions for support........ 260 213 341 283 103 270 173 320 254 Other income............................. 221 149 349 238 103 229 155 183 225 Personal taxes.............................. 3,264 4,132 1,735 3,424 2,168 3,470 1,517 1,862 3,404 Federal income taxes..................... 2,472 3,104 1,359 2,602 1,578 2,636 1,076 1,471 2,572 State and local income taxes............. 630 780 365 660 421 661 367 345 658 Other taxes.............................. 162 248 11 161 169 172 73 46 174 Income after taxes.......................... 38,358 46,447 24,119 39,541 30,259 39,596 27,860 29,210 39,277 Net change in total assets and liabilities... -1,919 -2,895 -160 -1,965 -1,592 -1,884 -2,171 -2,047 -1,907 Net change in total assets............... 6,116 9,328 332 6,369 4,336 6,673 1,991 4,200 6,293 Net change in total liabilities.......... 8,035 12,223 492 8,334 5,928 8,557 4,162 6,247 8,199 Other financial information: Other money receipts....................... 463 615 188 481 332 513 89 90 497 Mortgage principal paid on owned property................................ -1,160 -1,782 -38 -1,189 -954 -1,244 -535 -549 -1,216 Estimated market value of owned home..... 80,523 124,724 918 81,993 70,170 85,887 40,786 47,335 83,584 Estimated monthly rental value of owned home.............................. 570 883 7 588 444 602 338 332 592 Gifts of goods and services................. 1,068 1,304 640 1,102 826 1,132 589 611 1,110 Food..................................... 84 116 27 87 65 92 30 34 89 Housing.................................. 314 341 265 314 311 335 154 177 327 Housekeeping supplies.................. 41 51 25 42 37 45 17 26 43 Household textiles..................... 16 20 8 17 11 18 c/ 4 c/ 12 17 Appliances and miscellaneous housewares............................... 30 37 16 29 30 33 5 21 30 Major appliances..................... 7 9 3 7 9 8 c/ 2 c/ 8 7 Small appliances and miscellaneous housewares........................... 22 27 13 22 22 25 c/ 3 13 23 Miscellaneous household equipment...... 71 89 38 72 65 77 24 28 75 Other housing.......................... 156 144 178 155 168 163 106 91 162 Apparel and services..................... 225 267 148 234 158 231 178 188 228 Males, 2 and over...................... 60 72 37 64 27 60 57 47 61 Females, 2 and over.................... 80 100 43 85 48 84 46 71 81 Children under 2....................... 32 38 23 32 39 33 30 28 33 Other apparel products and services.... 52 57 44 54 44 53 45 41 53 Jewelry and watches.................. 25 23 29 25 29 27 15 9 27 All other apparel products and services............................ 27 33 16 29 15 27 30 32 27 Transportation........................... 49 60 30 50 45 50 47 35 51 Health care.............................. 38 48 18 41 16 41 13 16 40 Entertainment............................ 85 109 42 88 64 92 36 54 88 Toys, games, hobbies, and tricycles.... 30 37 17 30 30 32 14 21 31 Other entertainment.................... 55 72 25 58 35 60 22 33 57 Education................................ 154 215 45 167 64 166 65 33 166 All other gifts.......................... 119 148 66 121 104 126 65 74 123 _________________________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.5. c/ Data are likely to have large sampling errors. d/ No data reported. n.a. Not applicable.