Table 1. Quintiles of income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1999 Complete reporting of income Incomple All te Item consumer reporting units Total Lowest Second Third Fourth Highest of complete 20 20 20 20 20 income reporting percent percent percent percent percent Number of consumer units (in thousands)...... 108,465 81,692 16,307 16,351 16,332 16,341 16,361 26,773 Lower limit.................................. n.a. n.a. n.a. $12,504 $24,184 $40,470 $66,476 n.a. Income before taxes a/ ...................... $43,951 $43,951 $7,264 $18,033 $31,876 $52,331 $110,105 a/ Income after taxes a/ ....................... 40,652 40,652 7,101 17,576 30,186 48,607 99,656 a/ Age of the reference person.................. 47.9 47.9 51.6 51.6 46.5 44.1 45.9 47.8 Average number in consumer unit: Persons..................................... 2.5 2.5 1.8 2.2 2.5 2.8 3.1 2.6 Children under 18........................... .7 .7 .4 .6 .7 .8 .8 .7 Persons 65 and over......................... .3 .3 .4 .5 .3 .2 .1 .3 Earners..................................... 1.3 1.4 .7 .9 1.3 1.8 2.0 1.3 Vehicles.................................... 1.9 2.0 1.0 1.6 2.0 2.4 2.8 1.8 Percent distribution: Male........................................ 55 55 37 50 57 64 69 54 Female...................................... 45 45 63 50 43 36 31 46 Homeowner................................... 65 64 43 55 63 73 88 67 With mortgage.............................. 38 38 11 19 35 54 72 37 Without mortgage........................... 27 26 31 36 28 19 17 30 Renter...................................... 35 36 57 45 37 27 12 33 Black....................................... 12 11 18 14 10 9 6 14 White and other............................. 88 89 82 86 90 91 94 86 Elementary (1-8)............................ 6 6 14 10 5 2 1 6 High school (9-12).......................... 39 38 47 49 41 33 21 41 College..................................... 55 55 38 41 54 65 78 53 Never attended and other.................... b/ b/ b/ b/ b/ b/ c/ b/ At least one vehicle owned or leased........ 87 88 66 85 94 96 98 85 Average annual expenditures.................. $36,995 $39,143 $16,750 $24,840 $33,029 $45,998 $75,015 $30,787 Food........................................ 5,031 5,216 2,715 3,773 4,799 6,218 8,568 4,581 Food at home............................. 2,915 3,010 1,834 2,472 2,832 3,637 4,273 2,683 Cereals and bakery products............ 448 461 292 372 424 555 661 418 Cereals and cereal products.......... 160 163 110 138 156 192 218 153 Bakery products...................... 288 298 181 234 268 363 443 265 Meats, poultry, fish, and eggs......... 749 758 504 655 713 911 1,008 726 Beef................................. 220 219 139 180 202 274 302 222 Pork................................. 157 157 104 149 154 193 187 155 Other meats.......................... 97 99 70 89 95 119 124 92 Poultry.............................. 136 140 95 110 131 168 195 127 Fish and seafood..................... 106 109 69 95 99 122 161 99 Eggs................................. 32 33 26 32 34 35 38 31 Dairy products......................... 322 338 199 267 319 411 492 285 Fresh milk and cream................. 122 128 85 105 129 153 169 107 Other dairy products................. 200 210 114 162 191 258 323 178 Fruits and vegetables.................. 500 515 318 436 487 589 744 462 Fresh fruits......................... 152 158 99 130 148 175 235 140 Fresh vegetables..................... 149 153 94 133 144 173 220 137 Processed fruits..................... 113 116 69 99 109 134 171 105 Processed vegetables................. 86 88 56 73 86 107 119 80 Other food at home..................... 896 938 520 742 887 1,171 1,369 793 Sugar and other sweets............... 112 119 72 98 114 147 164 94 Fats and oils........................ 84 85 53 78 84 101 107 81 Miscellaneous foods.................. 420 438 225 335 415 561 654 376 Nonalcoholic beverages............... 242 254 153 207 241 311 355 214 Food prepared by consumer unit on out-of-town trips................... 39 43 17 24 34 52 90 28 Food away from home.................... 2,116 2,206 882 1,301 1,968 2,580 4,295 1,897 Alcoholic beverages......................... 318 348 161 224 280 385 687 245 Housing..................................... 12,057 12,314 6,197 8,446 10,424 13,892 22,589 11,341 Shelter.................................. 7,016 7,061 3,584 4,720 5,990 7,890 13,110 6,877 Owned dwellings........................ 4,525 4,506 1,355 2,069 3,322 5,274 10,496 4,582 Mortgage interest and charges........ 2,547 2,517 463 733 1,758 3,246 6,376 2,639 Property taxes....................... 1,123 1,080 468 680 833 1,119 2,298 1,255 Maintenance, repairs, insurance,other expenses............................ 854 909 424 655 731 909 1,822 688 Rented dwellings....................... 2,027 2,081 2,076 2,421 2,392 2,200 1,316 1,861 Other lodging.......................... 465 475 153 229 277 416 1,298 433 Utilities, fuels, and public services.... 2,377 2,368 1,549 1,971 2,272 2,670 3,377 2,406 Natural gas............................ 270 262 162 227 234 292 394 296 Electricity............................ 899 888 617 771 869 991 1,193 933 Fuel oil and other fuels............... 74 77 50 71 81 76 104 67 Telephone services..................... 849 851 559 671 825 975 1,227 841 Water and other public services........ 285 290 161 229 262 337 459 268 Household operations..................... 666 717 248 391 389 740 1,818 508 Personal services...................... 323 357 98 195 179 419 890 219 Other household expenses............... 343 361 149 196 210 320 927 289 Housekeeping supplies.................... 498 549 248 384 486 697 928 377 Laundry and cleaning supplies.......... 121 131 76 121 123 159 177 97 Other household products............... 250 278 110 171 236 370 501 183 Postage and stationery................. 127 140 62 93 126 168 250 97 Household furnishings and equipment...... 1,499 1,619 569 981 1,288 1,896 3,356 1,173 Household textiles..................... 114 125 42 92 117 122 250 87 Furniture.............................. 365 391 145 232 328 432 815 288 Floor coverings........................ 44 46 27 17 32 51 104 36 Major appliances....................... 183 190 82 154 160 215 340 164 Small appliances, miscellaneous housewares............................ 102 114 38 61 88 148 236 69 Miscellaneous household equipment...... 692 752 235 424 563 928 1,611 530 Apparel and services........................ 1,743 1,871 788 1,339 1,760 1,985 3,478 1,427 Men and boys............................. 421 451 148 246 455 496 910 349 Men, 16 and over....................... 328 352 100 177 349 378 755 271 Boys, 2 to 15.......................... 93 99 48 69 107 119 155 77 Women and girls.......................... 655 707 345 583 625 743 1,237 531 Women, 16 and over..................... 548 594 302 497 519 615 1,037 436 Girls, 2 to 15......................... 107 113 42 86 106 128 200 95 Children under 2......................... 67 74 35 49 70 98 119 48 Footwear................................. 303 327 140 297 386 358 452 246 Other apparel products and services...... 297 311 120 164 223 290 759 253 Transportation.............................. 7,011 7,222 2,790 4,752 6,384 8,998 13,170 6,374 Vehicle purchases (net outlay)........... 3,305 3,407 1,218 2,277 2,899 4,346 6,287 2,995 Cars and trucks, new................... 1,628 1,616 485 1,061 1,041 1,834 3,652 1,666 Cars and trucks, used.................. 1,641 1,756 729 1,208 1,805 2,470 2,565 1,291 Other vehicles......................... 36 35 d/ 4 d/ 8 d/ 53 41 70 38 Gasoline and motor oil................... 1,055 1,071 505 759 1,079 1,350 1,661 1,004 Other vehicle expenses................... 2,254 2,335 902 1,461 2,119 2,898 4,291 2,010 Vehicle finance charges................ 320 329 88 166 319 490 583 293 Maintenance and repairs................ 664 711 350 515 659 838 1,190 526 Vehicle insurance...................... 756 781 323 552 757 964 1,308 682 Vehicle rental, leases, licenses, other charges.............................. 513 514 143 227 384 606 1,210 509 Public transportation.................... 397 408 164 255 286 403 931 365 Health care................................. 1,959 2,042 1,248 1,912 1,960 2,222 2,862 1,716 Health insurance......................... 923 945 600 899 959 1,049 1,217 854 Medical services......................... 558 579 266 447 522 650 1,009 492 Drugs.................................... 370 398 307 472 372 375 463 293 Medical supplies......................... 109 119 75 93 106 148 173 77 Entertainment............................... 1,891 1,978 812 1,083 1,555 2,405 4,030 1,636 Fees and admissions...................... 459 482 149 211 320 562 1,164 389 Television, radios, sound equipment...... 608 632 340 468 564 761 1,024 536 Pets, toys, and playground equipment..... 346 368 160 210 292 490 687 283 Other entertainment supplies, equipment,and services.................. 478 496 162 193 378 593 1,155 428 Personal care products and services......... 408 447 217 304 428 507 778 315 Reading..................................... 159 169 78 112 144 185 328 129 Education................................... 635 593 459 265 335 520 1,385 765 Tobacco products and smoking supplies....... 300 315 236 291 329 390 329 255 Miscellaneous............................... 867 936 353 576 800 1,069 1,878 668 Cash contributions.......................... 1,181 1,341 301 637 1,045 1,574 3,145 692 Personal insurance and pensions............. 3,436 4,352 395 1,126 2,786 5,647 11,788 643 Life and other personal insurance........ 394 408 133 209 311 450 936 353 Pensions and Social Security............. 3,042 3,944 262 917 2,475 5,197 10,852 290 Sources of income and personal taxes: a/ Money income before taxes.................. 43,951 43,951 7,264 18,033 31,876 52,327 110,105 a/ Wages and salaries....................... 34,456 34,456 2,431 9,427 23,507 44,725 92,062 a/ Self-employment income................... 2,603 2,603 -142 616 1,426 1,953 9,149 a/ Social Security, private and government retirement................... 4,798 4,798 3,850 6,622 5,468 4,057 3,990 a/ Interest, dividends, rental income, other property income................... 1,104 1,104 83 323 565 795 3,752 a/ Unemployment and workers'' compensation, veterans'' benefits..................... 177 177 46 170 283 204 179 a/ Public assistance, supplemental security, income, food stamps..................... 320 320 634 488 221 157 102 a/ Regular contributions for support........ 262 262 202 244 262 303 298 a/ Other income............................. 230 230 160 142 143 133 572 a/ Personal taxes............................. 3,299 3,299 162 457 1,690 3,724 10,449 a/ Federal income taxes..................... 2,513 2,513 85 248 1,201 2,783 8,236 a/ State and local income taxes............. 616 616 19 101 339 770 1,847 a/ Other taxes.............................. 170 170 58 108 150 171 366 a/ Income after taxes......................... 40,652 40,652 7,101 17,576 30,186 48,607 99,656 a/ Net change in total assets and liabilities... 142 -274 422 -290 -675 -2,842 2,014 1,410 Net change in total assets............... 6,478 6,430 822 1,182 4,102 5,997 20,020 6,626 Net change in total liabilities.......... 6,336 6,703 399 1,471 4,777 8,839 18,007 5,216 Other financial information: Other money receipts..................... 651 799 395 231 278 839 2,249 201 Mortgage principal paid on owned property................................ -1,366 -1,409 -1,210 -475 -887 -1,338 -3,130 -1,238 Estimated market value of owned home..... 87,582 84,050 37,499 52,091 65,680 87,481 177,298 98,358 Estimated monthly rental value of owned home.................................... 592 584 273 403 486 656 1,103 615 Gifts of goods and services................. 1,083 1,143 502 679 905 1,109 2,520 930 Food..................................... 83 86 20 21 56 68 264 76 Housing.................................. 292 306 139 197 235 310 649 257 Housekeeping supplies.................. 41 47 18 24 49 58 86 26 Household textiles..................... 17 18 7 14 17 17 38 13 Appliances and miscellaneous housewares........................... 32 36 11 22 28 39 77 24 Major appliances..................... 9 9 6 9 6 14 9 8 Small appliances and miscellaneous housewares......................... 24 27 5 14 22 25 68 17 Miscellaneous household equipment...... 66 72 22 52 59 70 159 49 Other housing.......................... 136 133 81 86 83 126 288 145 Apparel and services..................... 210 230 107 170 229 237 407 159 Males, 2 and over...................... 54 59 32 33 57 60 114 41 Females, 2 and over.................... 71 81 31 71 76 71 154 47 Children under 2....................... 33 36 18 21 35 39 67 25 Other apparel products and services.... 52 54 26 44 61 67 72 45 Jewelry and watches.................. 27 28 14 16 36 38 35 23 All other apparel products and services............................ 25 26 d/ 12 29 25 29 37 22 Transportation........................... 63 68 40 47 52 73 126 50 Health care.............................. 40 46 39 47 34 29 81 22 Entertainment............................ 98 107 45 67 78 123 221 74 Toys, games, hobbies, and tricycles.... 32 34 15 23 31 47 54 25 Other entertainment.................... 66 73 30 44 47 76 167 49 Education................................ 166 153 43 36 64 127 495 206 All other gifts.......................... 131 148 69 94 157 142 276 84 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.