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, 1999 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)...... 108,465 70,469 37,996 95,174 13,291 95,293 13,172 9,111 99,354 Income before taxes a/ ...................... $43,951 $53,056 $27,514 $45,597 $32,414 $45,688 $30,427 $33,803 $44,955 Income after taxes a/ ....................... 40,652 48,921 25,723 42,071 30,708 42,166 28,865 31,468 41,561 Age of the reference person.................. 47.9 52.1 40.1 47.5 50.9 48.3 44.9 41.2 48.5 Average number in consumer unit: Persons..................................... 2.5 2.6 2.3 2.5 2.5 2.5 2.7 3.5 2.4 Children under 18........................... .7 .7 .7 .7 .6 .6 .9 1.3 .6 Persons 65 and over......................... .3 .4 .2 .3 .4 .3 .2 .2 .3 Earners..................................... 1.3 1.4 1.2 1.4 1.3 1.4 1.3 1.6 1.3 Vehicles.................................... 1.9 2.3 1.2 1.9 2.4 2.0 1.3 1.6 2.0 Percent distribution: Male........................................ 55 59 47 54 58 57 39 57 55 Female...................................... 45 41 53 46 42 43 61 43 45 Homeowner................................... 65 100 n.a 63 82 68 47 44 67 With mortgage.............................. 38 59 n.a 38 37 39 29 30 39 Without mortgage........................... 27 41 n.a 24 45 28 17 14 28 Renter...................................... 35 n.a. 100 37 18 32 53 56 33 Black....................................... 12 9 19 13 5 n.a. 100 4 13 White and other............................. 88 91 81 87 95 100 n.a. 96 87 Elementary (1-8)............................ 6 6 7 6 10 6 8 22 5 High school (9-12).......................... 39 38 41 38 49 38 48 45 38 College..................................... 55 56 52 57 41 56 44 32 57 Never attended and other.................... b/ b/ b/ b/ b/ b/ b/ 1 b/ At least one vehicle owned or leased........ 87 95 73 86 92 89 73 82 88 Average annual expenditures.................. $36,995 $42,753 $26,310 $37,871 $30,817 $38,323 $27,340 $33,044 $37,356 Food........................................ 5,031 5,580 4,009 5,145 4,262 5,149 4,146 5,493 4,986 Food at home............................. 2,915 3,205 2,376 2,949 2,688 2,948 2,665 3,556 2,854 Cereals and bakery products............ 448 495 361 455 405 454 405 495 444 Cereals and cereal products.......... 160 172 137 162 143 159 168 204 156 Bakery products...................... 288 323 224 292 262 295 236 291 288 Meats, poultry, fish, and eggs......... 749 808 638 758 687 732 878 1,097 716 Beef................................. 220 245 173 218 237 219 225 331 210 Pork................................. 157 172 129 156 158 151 200 230 150 Other meats.......................... 97 106 81 98 90 98 94 128 94 Poultry.............................. 136 142 125 141 105 131 172 206 129 Fish and seafood..................... 106 111 98 112 67 100 151 142 103 Eggs................................. 32 33 32 33 29 32 36 60 30 Dairy products......................... 322 357 257 323 319 334 233 377 317 Fresh milk and cream................. 122 132 104 121 132 127 87 165 118 Other dairy products................. 200 226 153 202 187 207 146 211 199 Fruits and vegetables.................. 500 549 407 509 436 508 439 663 484 Fresh fruits......................... 152 169 121 158 119 156 128 216 147 Fresh vegetables..................... 149 162 124 151 130 153 116 224 141 Processed fruits..................... 113 125 90 116 94 114 108 134 111 Processed vegetables................. 86 93 72 84 93 85 86 89 85 Other food at home..................... 896 995 713 905 841 921 710 924 894 Sugar and other sweets............... 112 124 89 111 113 114 96 111 112 Fats and oils........................ 84 91 69 84 83 83 87 104 82 Miscellaneous foods.................. 420 468 330 426 379 434 312 393 422 Nonalcoholic beverages............... 242 264 201 243 236 247 201 279 239 Food prepared by consumer unit on out-of-town trips................... 39 48 24 41 29 43 14 38 40 Food away from home.................... 2,116 2,376 1,633 2,196 1,574 2,201 1,482 1,937 2,132 Alcoholic beverages......................... 318 320 313 335 202 339 158 269 322 Housing..................................... 12,057 13,647 9,105 12,550 8,526 12,380 9,707 11,001 12,154 Shelter.................................. 7,016 7,552 6,022 7,429 4,057 7,225 5,501 6,778 7,038 Owned dwellings........................ 4,525 6,926 71 4,720 3,127 4,780 2,675 3,186 4,647 Mortgage interest and charges........ 2,547 3,905 29 2,677 1,617 2,670 1,660 1,918 2,605 Property taxes....................... 1,123 1,717 23 1,172 779 1,193 620 634 1,168 Maintenance, repairs, insurance,other expenses............................ 854 1,304 19 871 731 918 395 635 874 Rented dwellings....................... 2,027 56 5,681 2,211 705 1,936 2,683 3,420 1,899 Other lodging.......................... 465 569 270 498 226 509 142 171 491 Utilities, fuels, and public services.... 2,377 2,796 1,600 2,376 2,391 2,374 2,403 2,124 2,401 Natural gas............................ 270 334 151 288 143 267 296 228 274 Electricity............................ 899 1,068 585 878 1,049 900 894 743 914 Fuel oil and other fuels............... 74 103 22 59 181 79 41 30 78 Telephone services..................... 849 905 745 854 812 837 934 872 847 Water and other public services........ 285 386 97 295 207 291 239 251 288 Household operations..................... 666 837 348 710 349 695 457 470 684 Personal services...................... 323 376 224 342 184 328 283 269 328 Other household expenses............... 343 461 124 368 165 367 173 201 356 Housekeeping supplies.................... 498 606 298 499 491 516 362 445 503 Laundry and cleaning supplies.......... 121 138 89 119 138 120 131 158 118 Other household products............... 250 319 121 252 236 262 156 211 253 Postage and stationery................. 127 148 88 129 117 134 75 77 132 Household furnishings and equipment...... 1,499 1,856 836 1,536 1,237 1,570 984 1,184 1,529 Household textiles..................... 114 141 63 117 93 117 93 110 114 Furniture.............................. 365 433 240 383 238 374 304 352 366 Floor coverings........................ 44 62 10 45 32 47 22 27 45 Major appliances....................... 183 233 91 185 168 188 147 158 185 Small appliances, miscellaneous housewares............................ 102 129 51 105 82 108 53 85 103 Miscellaneous household equipment...... 692 859 381 701 624 736 364 453 714 Apparel and services........................ 1,743 1,926 1,403 1,818 1,224 1,725 1,877 2,071 1,712 Men and boys............................. 421 478 315 435 323 428 369 525 411 Men, 16 and over....................... 328 375 241 343 229 342 224 391 322 Boys, 2 to 15.......................... 93 103 74 93 95 86 145 134 89 Women and girls.......................... 655 741 495 679 490 645 726 651 655 Women, 16 and over..................... 548 621 410 569 407 544 574 479 554 Girls, 2 to 15......................... 107 120 85 111 84 101 152 172 101 Children under 2......................... 67 65 70 68 56 66 72 114 62 Footwear................................. 303 320 272 315 226 282 464 490 285 Other apparel products and services...... 297 321 251 320 127 304 245 291 297 Transportation.............................. 7,011 8,118 4,959 6,973 7,288 7,275 5,106 6,801 7,031 Vehicle purchases (net outlay)........... 3,305 3,807 2,375 3,221 3,909 3,434 2,374 3,362 3,300 Cars and trucks, new................... 1,628 2,008 922 1,644 1,510 1,728 903 1,352 1,653 Cars and trucks, used.................. 1,641 1,749 1,442 1,540 2,365 1,665 1,471 1,959 1,612 Other vehicles......................... 36 50 c/ 11 36 c/ 34 41 d/ c/ 50 35 Gasoline and motor oil................... 1,055 1,209 768 1,036 1,187 1,096 757 1,116 1,049 Other vehicle expenses................... 2,254 2,645 1,528 2,289 2,007 2,333 1,683 1,979 2,279 Vehicle finance charges................ 320 376 218 309 400 328 267 276 325 Maintenance and repairs................ 664 770 468 674 592 690 475 586 671 Vehicle insurance...................... 756 888 512 768 674 779 591 672 764 Vehicle rental, leases, licenses, other charges.............................. 513 612 329 537 342 535 350 445 519 Public transportation.................... 397 456 289 427 185 412 292 344 402 Health care................................. 1,959 2,441 1,065 1,934 2,134 2,078 1,093 1,119 2,036 Health insurance......................... 923 1,151 498 905 1,050 972 564 534 958 Medical services......................... 558 706 283 561 534 602 239 313 580 Drugs.................................... 370 447 226 359 445 388 235 211 385 Medical supplies......................... 109 136 58 109 106 116 56 62 113 Entertainment............................... 1,891 2,298 1,135 1,921 1,674 2,022 936 1,245 1,950 Fees and admissions...................... 459 567 258 490 236 498 175 253 478 Television, radios, sound equipment...... 608 669 495 623 499 615 558 554 613 Pets, toys, and playground equipment..... 346 423 202 336 411 375 131 211 358 Other entertainment supplies, equipment,and services.................. 478 640 179 472 527 534 72 226 502 Personal care products and services......... 408 471 291 419 337 409 401 404 409 Reading..................................... 159 193 98 164 126 170 81 71 168 Education................................... 635 672 565 688 250 666 410 366 659 Tobacco products and smoking supplies....... 300 294 312 287 391 313 208 172 312 Miscellaneous............................... 867 1,030 564 872 834 908 570 637 888 Cash contributions.......................... 1,181 1,544 507 1,209 982 1,269 541 678 1,227 Personal insurance and pensions............. 3,436 4,219 1,985 3,555 2,586 3,620 2,107 2,718 3,502 Life and other personal insurance........ 394 525 152 402 343 406 308 191 413 Pensions and Social Security............. 3,042 3,693 1,833 3,153 2,243 3,214 1,799 2,528 3,089 Sources of income and personal taxes: a/ Money income before taxes.................. 43,951 53,055 27,514 45,596 32,414 45,688 30,420 33,803 44,955 Wages and salaries....................... 34,456 40,808 22,987 36,198 22,242 35,692 24,828 28,917 35,004 Self-employment income................... 2,603 3,503 980 2,529 3,128 2,804 1,043 1,753 2,687 Social Security, private and government retirement................... 4,798 6,395 1,915 4,654 5,805 5,017 3,088 1,754 5,099 Interest, dividends, rental income, other property income................... 1,104 1,575 256 1,184 544 1,234 99 138 1,200 Unemployment and workers'' compensation, veterans'' benefits..................... 177 177 176 168 233 176 177 230 171 Public assistance, supplemental security, income, food stamps..................... 320 171 590 334 222 267 737 646 288 Regular contributions for support........ 262 225 328 277 155 267 222 196 268 Other income............................. 230 201 282 251 83 231 225 169 236 Personal taxes............................. 3,299 4,135 1,791 3,527 1,706 3,522 1,562 2,334 3,395 Federal income taxes..................... 2,513 3,136 1,389 2,705 1,170 2,692 1,121 1,880 2,576 State and local income taxes............. 616 741 389 652 359 648 362 387 638 Other taxes.............................. 170 258 13 170 176 182 79 68 181 Income after taxes......................... 40,652 48,921 25,723 42,071 30,708 42,166 28,865 31,468 41,561 Net change in total assets and liabilities... 142 587 -684 -80 1,727 402 -1,741 -403 192 Net change in total assets............... 6,478 9,976 -10 6,668 5,117 7,011 2,621 6,679 6,460 Net change in total liabilities.......... 6,336 9,389 674 6,748 3,390 6,609 4,363 7,082 6,268 Other financial information: Other money receipts..................... 651 724 517 667 543 703 275 222 691 Mortgage principal paid on owned property................................ -1,366 -2,069 -64 -1,400 -1,124 -1,465 -655 -743 -1,424 Estimated market value of owned home..... 87,582 133,912 1,657 89,409 74,498 93,698 43,341 51,018 90,935 Estimated monthly rental value of owned home.................................... 592 910 3 609 469 626 345 366 613 Gifts of goods and services................. 1,083 1,321 642 1,124 801 1,142 655 749 1,114 Food..................................... 83 109 35 91 24 90 29 35 87 Housing.................................. 292 350 184 297 257 307 180 172 303 Housekeeping supplies.................. 41 47 28 41 41 43 25 25 42 Household textiles..................... 17 21 9 18 10 18 c/ 10 c/ 11 17 Appliances and miscellaneous housewares........................... 32 43 12 33 27 35 10 16 34 Major appliances..................... 9 10 5 9 7 9 c/ 2 c/ 2 9 Small appliances and miscellaneous housewares......................... 24 33 7 24 21 26 8 14 25 Miscellaneous household equipment...... 66 83 35 67 59 70 38 26 70 Other housing.......................... 136 156 99 138 119 141 97 95 140 Apparel and services..................... 210 236 161 216 165 209 212 256 205 Males, 2 and over...................... 54 66 32 56 39 56 41 54 54 Females, 2 and over.................... 71 83 48 72 61 71 72 73 71 Children under 2....................... 33 38 24 32 38 32 39 40 32 Other apparel products and services.... 52 49 57 55 27 51 60 90 48 Jewelry and watches.................. 27 21 37 29 8 28 14 44 25 All other apparel products and services............................ 25 28 20 26 19 22 46 46 23 Transportation........................... 63 79 33 63 66 65 52 60 64 Health care.............................. 40 53 16 39 45 45 7 7 43 Entertainment............................ 98 120 58 101 75 107 34 50 103 Toys, games, hobbies, and tricycles.... 32 39 19 32 32 34 14 26 32 Other entertainment.................... 66 81 39 70 43 73 20 24 70 Education................................ 166 224 59 184 36 179 73 62 176 All other gifts.......................... 131 150 96 131 131 140 69 108 133 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.