Average Annual Expenditures of all Consumer Units, by Region and Size of Unit statistics


								1997		1997		1997		1997		1997			1998		1998		1998		1998		1998
	1991,	1992,	1993,	1994,	1995,	1996,	1997											1998
Item	all	all	all	all	all	all	all		Region					Size of consumer unit				all		Region					Size of consumer unit
	consumer	consumer	consumer	consumer	consumer	consumer	consumer											consumer
	units	units	units	units	units	units	units	Northeast	Midwest	South	West	One	Two or more	Two	Three	Four	Five+	units	Northeast	Midwest	South	West	One	Two or more	Two	Three	Four	Five+
												person	person	persons	persons	persons	persons						person	person	persons	persons	persons	persons

Number of consumer units (in thousands)	97,918	100,019	100,049	102,210	103,024	104,212	105,576	21,090	25,228	36,832	22,426	30,330	75,246	32,491	16,558	15,412	10,785	107,182	20,886	25,348	37,339	23,609	30,684	76,498	33,234	17,353	15,105	10,806
Income before taxes 1/..	33,901	33,854	34,868	36,838	36,948	38,014	39,926	43,336	39,222	35,691	44,368	22,174	47,172	43,003	47,628	54,619	48,449	41,622	45,333	40,920	38,397	44,036	22,956	49,427	44,997	49,949	57,189	51,415
Income after taxes 1/	30,729	30,786	31,890	33,755	33,893	34,864	36,684	40,166	35,904	33,292	39,839	20,163	43,429	39,146	43,848	50,707	45,345	38,358	42,015	37,627	35,776	39,921	20,917	45,651	41,389	45,764	52,937	48,470
Age of reference person.	47.5	47.6	47.8	47.6	48.0	47.7	47.7	48.1	48.8	47.7	46.2	50.1	46.8	53.2	43.8	40.6	40.5	47.6	48.7	48.1	47.5	46.3	50.2	46.6	52.9	43.5	40.3	41
Average number in consumer unit:
Persons.	2.6	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.7	1	3.1	2	3	4	5.6	2.5	2.5	2.5	2.5	2.6	1	3.1	2	3	4	5.5
Children under 18	0.7	0.7	0.7	0.7	0.7	0.7	0.7	0.6	0.7	0.7	0.8	n.a.	1	0.1	0.8	1.7	2.9	0.7	0.6	0.7	0.7	0.7	n.a.	1	0.1	0.8	1.7	2.9
Persons 65 and over.	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.5	0.2	0.1	0.1	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.5	0.2	0.1	0.1
Earners.	1.4	1.3	1.3	1.3	1.3	1.3	1.3	1.3	1.4	1.3	1.4	0.6	1.6	1.2	1.8	2	2.2	1.3	1.3	1.4	1.3	1.4	0.6	1.6	1.2	1.7	2	2.2
Vehicles	2.0	1.9	1.9	1.9	1.9	1.9	2	1.6	2.2	1.9	2.1	1	2.4	2.2	2.4	2.5	2.5	2	1.7	2.2	1.9	2	1	2.3	2.2	2.4	2.5	2.6
Percent distribution:
Male.	65	64	63	62	63	60	59	57	62	58	59	42	66	67	60	68	67	58	58	60	56	59	43	64	65	60	66	64
Female..	35	36	37	38	37	40	41	43	38	42	41	58	34	33	40	32	33	42	42	40	44	41	57	36	35	40	34	36
Percent homeowner	63	61	63	63	64	64	64	59	69	66	58	45	71	74	67	74	67	64	61	69	67	58	45	72	73	69	76	70
With mortgage	39	36	37	37	38	38	38	35	39	39	39	19	46	36	48	59	52	39	35	40	39	39	19	47	36	50	61	55
Without mortgage	25	25	26	26	26	26	26	25	29	28	20	26	26	37	19	15	15	26	25	29	28	19	26	25	37	19	15	14
Renter..	37	39	37	37	36	36	36	41	31	34	42	55	29	26	33	26	33	36	39	31	33	42	55	28	27	31	24	30
Black	11	11	12	11	11	12	12	11	9	19	5	12	12	8	15	13	17	12	11	9	19	5	11	12	9	15	12	17
White and other..	89	89	88	89	89	88	88	89	91	81	95	88	88	92	85	87	83	88	89	91	81	95	89	88	91	85	88	83
Elementary (1-8).	10	10	10	8	9	8	7	7	6	9	7	9	7	8	6	5	8	7	6	5	8	7	8	6	6	5	5	8
High school (9-12)..	43	43	43	43	44	41	39	42	41	41	32	35	41	40	40	40	49	39	39	43	41	31	35	40	40	39	38	44
College.	46	46	47	48	47	50	53	51	52	50	60	56	52	52	54	55	42	54	54	53	51	61	56	53	53	55	56	47
Never attended and other..	1	0	0	0	0	0	/2	/2	/2	/2	/2	/2	/2	/2	/2	/2	1	b/	b/	b/	b/	1	b/	b/	b/	b/	b/	1
At least one vehicle owned	86	86	86	86	86	85	87	79	89	89	88	73	92	93	92	92	91	87	79	89	89	88	72	93	93	91	93	93

Average annual expenditures	$29,614	$29,846	$30,692	$31,751	$32,277	$33,797	$34,819	$36,070	$33,791	$32,226	$39,037	$20,923	$40,358	$36,617	$40,926	$45,225	$43,929	$35,535	$37,535	$34,513	$32,958	$38,938	$21,483	$41,158	$36,973	$41,388	$47,020	$45,569
Food.	4,271	4,273	4,399	4,411	4,505	4,698	4,801	5,358	4,631	4,426	5,077	2,579	5,663	4,886	5,513	6,463	7,177	4,810	5,146	4,737	4,450	5,159	2,640	5,673	4,672	5,701	6,623	7,488
Food at home.	2,651	2,643	2,735	2,712	2,803	2,876	2,880	2,970	2,739	2,771	3,125	1,354	3,470	2,787	3,370	4,101	4,860	2,780	2,917	2,725	2,592	3,016	1,408	3,325	2,604	3,307	3,935	4,797
Cereals and bakery products	404	411	434	429	441	447	453	504	446	415	474	218	544	423	522	666	781	425	461	431	386	448	214	508	387	491	633	747
Cereals and cereal products..	145	141	160	162	165	166	161	177	154	149	175	72	196	142	186	243	311	146	158	150	128	162	71	176	121	162	229	299
Bakery products..	259	270	274	267	276	281	292	326	292	266	299	146	348	281	336	423	470	278	303	281	258	286	143	332	266	330	404	448
Meats, poultry, fish, and eggs	709	687	734	732	752	737	743	789	663	753	774	309	911	717	877	1,056	1,361	723	785	687	710	729	332	879	673	863	979	1,423
Beef.	228	210	234	227	228	215	224	214	207	235	233	88	276	211	264	326	428	218	234	226	207	215	88	270	208	256	291	462
Pork.	144	156	154	156	156	157	157	141	153	173	150	65	193	156	182	218	289	146	146	149	153	131	63	179	141	181	199	268
Other meats	102	94	98	94	104	99	96	112	101	88	90	42	117	88	117	138	179	92	105	99	83	87	44	111	84	105	128	182
Poultry.	122	123	131	137	138	144	145	177	119	141	151	61	177	137	175	213	257	137	155	112	137	146	63	166	119	162	204	272
Fish and seafood.	81	77	87	89	97	88	89	108	58	85	110	37	108	94	103	120	146	98	113	73	97	112	56	115	91	123	114	179
Eggs.	31	28	30	30	30	34	33	36	25	31	41	15	39	33	37	41	61	32	33	27	32	38	18	38	30	35	43	61
Dairy products.	294	302	295	289	297	312	314	327	308	290	345	152	376	294	361	461	537	301	324	301	273	327	152	361	275	366	434	524
Fresh milk and cream	129	134	128	127	123	132	128	130	129	119	140	60	155	115	144	190	243	120	121	121	112	132	58	145	102	144	184	228
Other dairy products	165	168	167	162	174	180	186	198	179	171	205	92	222	178	217	270	294	181	203	180	161	196	94	216	173	222	250	296
Fruits and vegetables	429	428	444	437	457	490	476	525	430	438	541	245	565	486	542	629	753	472	514	445	425	539	258	557	469	549	643	726
Fresh fruits..	133	127	137	133	144	153	150	169	146	131	170	83	176	159	158	194	235	149	161	145	126	180	86	174	151	166	200	225
Fresh vegetables.	127	127	132	135	137	147	143	162	122	125	176	72	170	151	177	172	218	145	161	129	131	171	78	172	148	167	191	228
Processed fruits.	97	100	96	93	96	110	102	115	92	93	116	56	120	98	115	145	162	101	113	96	92	111	59	118	95	125	140	152
Processed vegetables	72	74	79	76	80	80	80	79	70	89	79	34	98	79	92	118	137	76	80	75	75	77	35	93	76	92	113	121
Other food at home	815	814	827	825	856	889	895	825	892	876	991	430	1,075	867	1,066	1,289	1,428	858	833	862	798	973	451	1,020	800	1,037	1,246	1,376
Sugar and other sweets.	101	102	113	105	112	114	114	109	116	115	117	52	138	116	125	166	188	109	109	115	95	125	62	128	103	129	150	173
Fats and oils.	72	72	78	79	82	83	81	85	73	81	86	37	98	83	92	110	136	77	77	75	75	82	39	92	73	91	105	138
Miscellaneous foods.	375	384	365	362	377	391	403	346	408	387	476	194	484	362	505	601	663	388	362	387	365	450	202	462	347	476	596	617
Nonalcoholic beverages.	224	213	225	233	240	252	245	228	240	253	251	120	293	243	280	348	389	231	226	234	222	247	118	276	217	279	329	382
Food prepared by cunsumer unit on
out-of-town trips..	42	43	46	46	45	49	52	57	55	40	62	26	62	63	64	65	52	53	58	51	42	70	31	62	59	63	66	66
Food away from home	1,620	1,631	1,664	1,698	1,702	1,823	1,921	2,388	1,892	1,655	1,952	1,225	2,193	2,099	2,144	2,362	2,318	2,030	2,229	2,011	1,859	2,144	1,232	2,348	2,067	2,394	2,689	2,691
Alcoholic beverages.	297	301	268	278	277	309	309	379	306	229	377	246	334	405	289	285	255	309	368	284	249	378	298	313	364	310	253	245
Housing.	9,252	9,477	9,636	10,106	10,465	10,747	11,272	12,480	10,532	9,877	13,255	7,586	12,750	11,541	12,896	14,346	13,890	11,713	13,173	11,035	10,321	13,354	7,843	13,264	12,059	13,149	15,228	14,379
Shelter	5,191	5,411	5,415	5,686	5,932	6,064	6,344	7,539	5,653	5,070	8,089	4,742	6,990	6,249	7,183	7,885	7,645	6,680	8,042	6,043	5,392	8,198	4,817	7,428	6,687	7,438	8,551	8,121
Owned dwellings	3,280	3,310	3,331	3,492	3,754	3,783	3,935	4,704	3,785	3,059	4,818	2,003	4,713	4,044	4,637	5,789	5,311	4,245	5,105	4,108	3,387	4,989	2,073	5,116	4,337	5,080	6,457	5,696
Mortgage interest and charges	1,932	1,968	1,878	1,919	2,107	2,114	2,225	2,351	1,955	1,779	3,143	941	2,743	2,031	2,806	3,634	3,518	2,455	2,616	2,168	2,051	3,259	1,000	3,038	2,216	3,223	4,125	3,752
Property taxes	789	782	825	922	932	939	971	1,569	1,088	630	838	550	1,141	1,113	1,105	1,260	1,110	1,015	1,662	1,090	687	884	561	1,198	1,148	1,137	1,380	1,194
Maintenance, repair, insurance, other
expenses	559	560	628	651	716	729	738	784	742	650	836	512	830	900	727	895	684	775	828	851	649	845	512	880	973	720	952	751
Rented dwellings..	1,588	1,761	1,714	1,799	1,786	1,864	1,983	2,298	1,477	1,694	2,731	2,512	1,770	1,650	2,025	1,586	2,005	1,978	2,356	1,517	1,638	2,675	2,471	1,780	1,749	1,878	1,576	2,002
Other lodging..	323	340	370	395	392	417	426	536	391	317	541	227	506	555	521	510	329	458	581	417	368	534	272	532	601	480	518	423
Utilities, fuels, and public services	1,990	1,984	2,112	2,189	2,193	2,347	2,412	2,480	2,452	2,463	2,220	1,563	2,755	2,458	2,808	3,035	3,168	2,405	2,460	2,401	2,519	2,179	1,536	2,753	2,481	2,770	3,025	3,186
Natural gas.	250	252	279	283	268	291	301	396	446	185	238	197	343	311	338	373	402	284	373	401	171	258	181	325	289	318	358	402
Electricity.	803	787	836	861	870	907	909	830	834	1,094	762	555	1,051	942	1,066	1,155	1,210	921	831	854	1,143	723	570	1,062	959	1,040	1,176	1,251
Fuel oil and other fuels	102	92	99	98	87	108	108	255	115	55	48	66	124	119	127	137	120	85	225	70	48	36	54	98	97	90	115	88
Telephone	618	623	658	690	708	772	809	785	778	839	817	583	900	789	954	995	1,016	830	814	801	858	828	581	929	839	990	991	1,022
Water and other public services..	217	230	241	257	260	268	286	215	279	290	355	161	336	296	323	375	420	285	217	274	299	334	149	339	296	332	385	422
Household operations..	448	487	469	490	508	522	548	473	458	534	745	265	663	447	735	986	738	546	504	496	551	627	271	656	427	756	1,018	693
Personal services.	211	242	228	230	258	259	263	219	248	249	346	57	346	86	460	648	524	260	254	273	251	264	58	340	92	465	665	451
Other household expenses	237	245	241	260	250	263	285	254	210	286	399	208	316	361	275	337	215	286	250	224	300	364	213	315	335	291	353	241
Housekeeping supplies.	424	433	410	393	430	464	455	418	485	427	501	222	545	496	529	664	552	482	446	475	488	514	267	567	568	501	613	601
Laundry and cleaning supplies.	116	118	103	109	110	119	116	111	112	117	122	48	142	112	145	175	185	118	105	128	110	130	55	143	123	129	163	199
Other household products	185	195	194	174	194	205	210	187	224	204	226	96	254	230	232	331	254	232	197	204	272	232	120	277	301	228	293	251
Postage and stationery..	123	119	113	110	125	140	129	119	149	106	152	78	149	154	152	158	113	132	143	143	106	151	92	148	144	144	158	152
Household furnishings and equipment..	1,200	1,162	1,230	1,348	1,403	1,350	1,512	1,570	1,484	1,383	1,699	794	1,798	1,892	1,641	1,776	1,788	1,601	1,721	1,620	1,371	1,837	952	1,860	1,898	1,684	2,021	1,778
Household textiles	100	92	102	100	100	76	79	86	78	64	99	44	93	100	83	96	85	105	105	96	85	148	67	121	115	99	156	121
Furniture	294	316	317	318	327	321	387	424	354	386	392	220	455	478	385	496	435	377	411	351	317	471	203	447	437	437	519	396
Floor coverings	115	71	87	120	177	101	78	102	85	63	72	29	97	141	76	59	49	144	157	233	103	101	96	164	222	68	169	118
Major appliances..	132	141	143	149	155	162	169	145	160	187	173	84	203	217	184	200	199	164	189	149	172	145	106	187	178	190	194	201
Small appliances, miscellaneous
housewares	81	84	87	81	85	84	92	91	95	75	117	56	106	99	106	135	85	80	81	73	78	91	45	94	92	99	95	91
Miscellaneous household equipment	477	458	493	581	557	607	707	723	711	608	847	361	844	857	807	791	935	729	778	717	616	881	436	847	853	791	888	851
Apparel and services	1,735	1,710	1,676	1,644	1,704	1,752	1,729	1,916	1,707	1,620	1,755	866	2,065	1,703	2,053	2,420	2,695	1,674	1,848	1,624	1,623	1,652	961	1,957	1,541	2,064	2,398	2,488
Men and boys.	429	450	426	395	425	423	407	432	446	350	432	197	489	352	533	607	671	399	462	414	352	399	203	477	339	507	608	682
Men, 16 and over..	345	369	335	305	329	330	323	347	353	271	351	185	377	323	428	424	395	314	367	333	265	323	188	364	314	396	396	430
Boys, 2 to 15..	84	80	90	90	96	93	84	85	93	79	80	12	112	30	105	183	276	85	95	81	87	76	15	113	25	111	212	252
Women and girls.	706	680	658	652	660	718	680	722	713	648	657	382	797	705	793	905	926	651	686	638	655	628	395	753	637	764	929	854
Women, 16 and over	607	586	566	552	559	607	574	624	592	547	552	366	655	670	661	643	617	548	580	528	559	523	380	615	598	641	661	563
Girls, 2 to 15.	99	94	93	100	101	111	106	98	121	101	105	16	142	35	132	262	309	103	107	110	96	105	15	139	39	123	268	291
Children under 2 years old	82	78	79	80	81	82	77	80	63	69	103	11	103	44	139	149	161	73	57	59	88	79	12	97	40	134	138	167
Footwear..	242	231	249	254	278	298	315	339	298	323	298	162	373	294	344	483	511	281	299	298	268	266	159	329	236	340	412	493
Other apparel products and services..	277	272	264	264	259	230	250	343	186	231	266	113	303	308	243	276	426	270	345	215	258	281	192	301	290	319	311	291
Transportation	5,151	5,228	5,453	6,044	6,016	6,382	6,457	5,830	6,367	6,473	7,120	3,239	7,753	6,860	8,223	8,856	8,147	6,616	6,540	6,290	6,612	7,039	3,331	7,934	6,684	8,609	9,198	8,925
Vehicle purchases (net outlay).	2,111	2,189	2,319	2,725	2,639	2,815	2,736	2,040	2,784	3,055	2,811	1,244	3,337	2,958	3,588	3,788	3,449	2,964	2,816	2,774	3,242	2,860	1,362	3,607	2,768	4,162	4,439	4,132
Cars and trucks, new.	1,078	1,131	1,216	1,391	1,194	1,209	1,229	973	1,216	1,486	1,062	650	1,462	1,493	1,489	1,619	1,107	1,383	1,475	1,107	1,518	1,385	590	1,701	1,379	2,124	1,986	1,611
Cars and trucks, used	1,013	1,022	1,079	1,290	1,411	1,568	1,464	1,052	1,544	1,541	1,633	578	1,820	1,400	2,061	2,121	2,290	1,532	1,323	1,618	1,656	1,430	721	1,858	1,368	1,965	2,399	2,437
Other vehicles.	20	36	24	44	34	38	43	/3 15	24	29	115	17	54	65	/3 39	49	/3 53	49	c/ 18	49	69	45	52	48	21	72	c/ 53	c/ 84
Gasoline and motor oil	995	973	977	986	1,006	1,082	1,098	979	1,107	1,112	1,174	567	1,311	1,116	1,364	1,512	1,532	1,017	896	1,034	1,035	1,077	529	1,213	1,050	1,227	1,377	1,460
Other vehicle expenses	1,741	1,776	1,843	1,953	2,016	2,058	2,230	2,223	2,131	2,062	2,624	1,148	2,666	2,319	2,814	3,146	2,799	2,206	2,216	2,149	2,024	2,545	1,144	2,632	2,300	2,834	2,947	2,885
Vehicle finance charges.	282	256	244	235	261	276	293	214	307	335	281	100	370	305	416	411	440	319	247	318	368	308	115	401	309	446	495	482
Maintenance and repairs.	614	612	620	680	653	645	682	584	659	657	838	391	798	691	798	965	883	641	574	615	629	746	392	740	678	778	796	794
Vehicle insurance.	614	629	678	690	713	698	755	808	684	727	831	417	891	790	961	1,019	906	739	822	680	683	816	393	877	780	918	989	955
Vehicle rental, leases, licenses, other
charges	231	279	301	347	390	440	501	617	480	343	674	239	607	533	640	751	571	507	572	535	345	675	243	613	534	691	667	655
Public transportation.	304	290	314	381	355	427	393	587	345	243	511	280	439	467	457	410	367	429	612	333	311	557	297	482	565	386	436	447
Health care	1,554	1,634	1,776	1,755	1,732	1,770	1,841	1,709	1,903	1,902	1,793	1,249	2,078	2,301	1,915	1,938	1,857	1,903	1,773	2,008	1,985	1,774	1,220	2,177	2,459	1,913	2,061	1,888
Health insurance	656	725	800	815	860	827	881	871	912	931	775	575	1,005	1,160	939	884	812	913	909	946	940	839	562	1,054	1,177	969	985	909
Medical services	555	533	574	571	511	543	531	480	521	502	638	369	596	548	583	666	664	542	464	550	570	559	350	619	646	536	670	600
Drugs..	252	278	301	286	280	303	320	240	357	367	277	240	352	458	280	269	263	346	299	383	386	284	244	386	506	311	288	272
Medical supplies	92	97	101	83	80	97	108	119	113	102	102	65	125	136	113	119	118	102	102	130	89	92	64	117	129	97	118	108
Entertainment.	1,472	1,500	1,626	1,567	1,612	1,834	1,813	1,769	1,915	1,561	2,153	1,011	2,133	1,969	2,118	2,462	2,191	1,746	1,772	1,850	1,521	1,964	999	2,044	1,907	1,840	2,392	2,304
Fees and admissions	378	379	414	439	433	459	471	528	468	358	604	296	541	468	517	698	575	449	516	427	365	545	267	522	504	470	599	554
Television, radios, sound equipment..	468	492	590	533	542	561	577	581	560	570	605	394	651	563	669	770	718	535	603	513	492	565	346	610	556	551	712	725
Pets, toys, and playground equipment.	271	274	293	289	322	335	327	320	325	299	378	166	389	354	379	442	440	329	328	377	295	334	157	398	362	370	499	410
Other supplies, equipment, and
services..	356	355	328	306	315	479	439	340	561	334	565	155	552	583	553	553	459	433	325	533	370	520	229	514	485	449	582	615
Personal care products and services	399	387	385	397	403	513	528	521	506	544	530	305	616	573	631	654	668	401	395	368	402	441	250	461	441	425	510	510
Reading.	163	162	166	165	163	159	164	192	170	130	186	125	179	197	171	181	136	161	201	170	125	173	120	177	193	162	182	149
Education..	447	426	455	460	471	524	571	772	512	449	647	447	620	421	743	830	736	580	815	598	409	622	399	652	465	745	838	823
Tobacco products and smoking supplies.	276	275	268	259	269	255	264	260	302	268	217	169	302	266	339	303	350	273	301	315	274	202	175	312	272	338	338	359
Miscellaneous.	860	765	715	749	766	855	847	821	824	806	965	694	909	871	1,085	841	845	860	887	855	723	1,059	676	934	900	851	1,073	978
Cash contributions..	950	958	961	960	925	940	1,001	765	989	1,057	1,145	811	1,077	1,242	927	980	951	1,109	888	1,089	1,113	1,322	923	1,184	1,389	1,072	963	1,040
Personal insurance and pensions.	2,787	2,750	2,908	2,957	2,967	3,060	3,223	3,298	3,128	2,883	3,819	1,597	3,879	3,381	4,024	4,665	4,031	3,381	3,427	3,291	3,152	3,798	1,648	4,076	3,628	4,210	4,963	3,995
Life and other personal insurance.	356	353	399	398	374	353	379	386	361	421	322	170	463	431	474	543	426	398	445	397	416	330	153	497	497	442	554	505
Pensions and Social Security	2,431	2,397	2,509	2,559	2,593	2,707	2,844	2,912	2,767	2,461	3,497	1,427	3,416	2,950	3,550	4,122	3,605	2,982	2,982	2,894	2,736	3,468	1,496	3,579	3,131	3,768	4,409	3,490
Sources of income and personal taxes: a/
Money income before taxes 1/..	33,901	33,854	34,868	36,838	36,948	38,014	39,926	43,336	39,222	35,691	44,368	22,174	47,172	43,003	47,628	54,619	48,449	41,622	45,333	40,920	38,397	44,036	22,956	49,427	44,997	49,949	57,189	51,415
Wages and salaries..	25,553	25,064	26,494	27,795	28,497	29,560	31,506	35,003	31,049	27,989	34,514	15,230	38,150	30,785	40,565	48,939	41,347	32,889	36,419	32,663	30,359	33,987	15,754	40,054	32,181	42,988	50,568	45,072
Self-employment income.	2,552	2,490	2,119	2,452	2,038	2,318	1,969	2,057	1,896	1,220	3,130	890	2,410	2,188	2,234	2,475	3,257	2,239	2,301	1,953	1,816	3,075	1,070	2,728	2,728	2,316	3,152	2,788
Social Security, private and government
retirement..	3,584	3,887	4,034	4,203	4,356	4,334	4,531	4,412	4,829	4,740	4,004	4,400	4,584	7,925	2,947	1,496	1,359	4,618	4,739	4,610	4,768	4,318	4,529	4,656	7,979	2,819	1,616	1,489
Interest, dividends, rental income,
and other property income..	1,164	1,130	1,029	1,160	862	761	822	655	661	682	1,339	760	847	1,263	667	516	334	871	838	733	676	1,311	819	893	1,391	694	452	274
Unemployment and workers' compensation,
veterans' benefits	245	341	309	316	280	213	206	250	172	178	247	163	224	187	216	248	312	193	255	139	144	266	125	221	191	208	261	282
Public assistance, supplemental security,
income, food stamps.	389	471	468	483	462	437	382	435	262	381	462	203	455	260	471	430	1,060	330	342	356	252	411	200	385	200	389	461	858
Regular contributions for support..	284	336	282	287	273	243	293	288	210	336	316	285	297	182	359	355	465	260	239	224	253	320	257	261	167	309	259	483
Other income..	130	136	133	142	180	148	217	236	143	165	356	243	206	212	169	159	314	221	200	242	129	349	203	229	161	226	421	170
Personal taxes 1/.	3,172	3,068	2,978	3,083	3,055	3,150	3,241	3,170	3,318	2,399	4,529	2,011	3,744	3,857	3,780	3,912	3,104	3,264	3,319	3,294	2,622	4,115	2,040	3,775	3,609	4,185	4,252	2,945
Federal income taxes	2,431	2,286	2,217	2,288	2,235	2,372	2,468	2,280	2,405	1,918	3,538	1,537	2,848	3,009	2,929	2,824	2,269	2,472	2,352	2,357	2,128	3,172	1,550	2,857	2,720	3,232	3,220	2,157
State and local income taxes.	612	624	601	629	641	665	645	719	768	379	872	400	745	686	727	925	689	630	689	790	366	809	399	726	683	778	837	617
Other taxes	128	157	160	166	179	113	129	172	145	102	119	74	151	161	124	163	146	162	278	147	129	134	90	192	205	175	195	171
Income after taxes 1/	30,729	30,786	31,890	33,755	33,893	34,864	36,684	40,166	35,904	33,292	39,839	20,163	43,429	39,146	43,848	50,707	45,345	38,358	42,015	37,627	35,776	39,921	20,917	45,651	41,389	45,764	52,937	48,470
Net change in total assets and liabilities	478	-1,529	-2,185	-562	-986	-1,689	1,105	2,677	793	537	908	-991	1,949	1,455	4,466	1,514	198	-1,919	-2,490	-2,982	395	-3,929	511	-2,893	-1,074	-5,374	-4,247	-2,611
Net change in total assets	3,005	3,045	4,381	3,960	3,097	4,049	5,886	7,444	4,371	4,890	7,760	1,051	7,835	6,917	10,338	9,286	4,684	6,116	5,700	4,370	5,397	9,494	3,822	7,036	7,015	6,883	7,484	6,721
Net change in total liabilities.	2,526	4,574	6,567	4,522	4,083	5,738	4,781	4,767	3,578	4,353	6,852	2,042	5,885	5,462	5,872	7,772	4,486	8,035	8,191	7,352	5,003	13,424	3,311	9,929	8,089	12,258	11,730	9,332
Other financial information:.
Other money receipts.	317	400	435	567	461	309	458	308	434	451	637	347	503	543	463	617	281	463	398	535	441	477	344	510	745	508	244	164
Mortgage principal paid, owned property	-578	-844	-898	-1,107	-1,064	-960	-1,051	-1,059	-1,115	-889	-1,238	-441	-1,297	-1,014	-1,334	-1,677	-1,550	-1,160	-1,200	-1,157	-1,134	-1,167	-497	-1,425	-1,205	-1,278	-1,900	-1,677
Estimated market value of owned home	67,519	66,530	66,719	68,759	71,751	73,168	76,480	85,578	71,719	58,943	102,082	42,908	90,012	89,884	84,470	96,194	90,071	80,523	91,991	73,048	65,099	102,796	46,109	94,327	92,910	88,171	104,253	94,694
Estimated monthly rental value of owned
home	413	416	435	462	496	503	538	581	533	462	627	324	624	623	583	676	612	570	642	536	503	650	340	663	648	635	725	667
Gifts of goods and services	1,000	968	993	1,008	987	1,119	1,059	1,188	1,063	953	1,110	837	1,147	1,291	1,294	899	835	1,068	1,269	1,002	880	1,258	801	1,174	1,325	1,179	1,046	877
Food	79	76	77	84	88	62	68	78	68	62	68	42	78	86	98	60	47	84	122	72	52	115	47	99	117	93	102	50
Housing	272	276	267	262	250	280	273	297	288	245	280	209	299	301	343	294	227	314	361	261	274	393	227	348	360	387	361	231
Housekeeping supplies..	41	39	36	38	38	40	37	39	48	30	32	29	40	44	33	45	30	41	41	41	35	52	27	47	47	49	49	41
Household textiles..	13	13	12	16	10	8	8	10	8	7	9	8	8	11	7	6	6	16	21	16	14	16	11	18	19	9	34	8
Appliances and miscellaneous
housewares..	30	31	28	26	27	30	27	31	33	24	23	23	29	33	25	31	20	30	37	28	26	30	18	34	40	40	24	21
Major appliances..	6	7	7	5	5	8	6	8	6	6	7	6	6	7	5	8	5	7	11	8	4	7	4	8	11	9	4	6
Small appliances and miscellaneous
housewares	24	24	21	21	23	22	21	23	28	18	16	17	22	26	20	23	15	22	26	20	22	22	13	26	29	31	21	15
Miscellaneous household equipment..	73	70	77	65	66	81	66	65	74	57	73	45	74	87	87	61	35	71	86	59	60	86	60	75	83	85	68	47
Other housing.	116	123	113	117	109	120	135	152	124	128	142	104	147	127	192	151	136	156	177	117	138	210	113	174	171	204	185	114
Apparel and services..	259	254	251	246	258	296	252	272	242	252	246	158	289	319	293	220	285	225	262	209	218	218	184	240	241	246	245	224
Males 2 and over.	72	78	80	64	70	78	61	62	71	54	61	39	70	79	72	56	59	60	66	58	55	63	50	64	68	60	51	76
Females 2 and over..	99	87	90	94	94	99	81	88	91	73	78	56	91	105	83	70	87	80	107	75	70	75	54	90	93	90	108	56
Children under 2.	36	37	36	35	39	41	33	35	27	30	40	11	41	37	40	47	44	32	25	28	40	33	12	41	29	53	45	53
Other apparel products and services	52	53	46	53	55	78	77	86	53	96	66	52	87	98	98	47	94	52	63	47	53	47	69	46	50	44	43	40
Jewelry and watches..	27	29	24	26	27	44	49	51	31	64	42	27	57	55	75	25	/3 79	25	28	13	29	29	47	16	21	18	11	9
All other apparel products and
services..	25	24	21	27	29	34	29	35	22	32	24	24	30	43	23	22	/3 15	27	35	34	24	18	22	29	29	26	32	31
Transportation..	56	51	53	56	48	60	57	44	52	52	82	45	61	84	74	27	24	49	48	49	35	74	30	57	73	53	20	67
Health care..	29	24	42	35	22	43	30	22	22	20	64	36	28	31	21	40	13	38	23	48	29	53	71	24	30	29	13	17
Entertainment	70	73	80	84	86	110	99	96	114	88	103	91	102	119	106	75	82	85	97	90	80	78	57	97	125	73	75	78
Toys, games, hobbies, and tricycles	28	28	31	32	29	40	41	33	51	39	40	27	46	54	48	34	39	30	36	36	25	26	23	33	45	25	23	19
Other entertainment.	43	45	50	51	57	70	58	63	62	49	63	64	56	65	58	41	43	55	60	53	55	53	34	64	80	47	52	59
Education.	116	107	116	114	120	128	155	257	152	114	132	114	172	192	248	113	82	154	209	166	109	165	68	189	244	188	123	114
All other gifts.	118	106	107	127	114	140	125	122	125	119	136	142	118	158	111	69	75	119	147	108	83	162	118	119	136	111	107	97

1/ Components of income and taxes are derived from "complete income reporters" only.

Source: U.S. Bureau of Labor Statistics,Consumer Expenditures in 1998, and earlier reports.

http://stats.bls.gov:80/csxhome.htm

*Consumer Expenditure Survey Program

This program consists of two surveys -- the quarterly Interview survey and the Diary survey that provide information on thebuying habits of American consumers, including data on their expenditures, income, and consumer unit (families and singleconsumers) characteristics.

Annual income and expenditures integrated from the Interview and Diary surveys in varying detail, classified byincome, age, consumer unit size, and other demographic characteristics of consumer units, since 1984. Annual income and expenditures from the Interview and Diary surveys by selected consumer unit characteristics, since1980.

Quarterly Interview survey data by selected consumer unit characteristics, since 1984.

Coverage

* The surveys target the total noninstitutionalized population (urban and rural) of the United States in 1980, 1984 andthereafter. The surveys targeted the urban noninstitutionalized population in 1981 through 1983. * The data are collected in independent quarterly Interview and weekly Diary surveys of approximately 5,000 samplehouseholds. Each survey has its own independent sample, and each collects data on household income andsocioeconomic characteristics. * The Interview survey includes monthly out-of-pocket expenditures such as housing, apparel, transportation, health care,insurance, and entertainment. * The Diary survey includes weekly expenditures of frequently purchased items such as food and beverages, tobacco,personal care products, and nonprescription drugs and supplies.

*EXPENDITURES

Expenditures consist of the transaction costs, including excise and sales taxes, of goods and services acquired during theinterview or recordkeeping period. Expenditure estimates include expenditures for gifts, but exclude purchases or portionsof purchases directly assignable to business purposes. Also excluded are periodic credit or installment payments on goodsor services already acquired. The full cost of each purchase is recorded even though full payment may not have been made atthe date of purchase. The order of the expenditures listed here follows the order of presentation in published CE tables.

The major expenditure categories are:

Food Housing Apparel and Services Transportation Health Care Entertainment Other Expenditures

FOOD

Food at home refers to the total expenditures for food at grocery stores or other food stores and food prepared by theconsumer unit on trips. It excludes the purchase of nonfood items.

Cereals and cereal products includes ready-to-eat and cooked cereals, pasta, flour, prepared flour mixes, and other cerealproducts such as cornmeal, corn starch, and rice.

Bakery products includes bread (white and other than white), crackers and cookies, biscuits and rolls, cakes, cupcakes,bread and cracker products, pies, tarts, sweet rolls, coffeecakes, doughnuts, and other frozen and refrigerated bakeryproducts such as cookies, bread and cake dough, and batter.

Beef includes ground beef, roasts, steaks, veal, and other cuts of beef, excluding canned beef.

Pork includes bacon, pork chops, ham (including canned), roasts, sausage, and other cuts of pork.

Other meats includes frankfurters; lunch meats such as bologna, liverwurst, and salami; also lamb, mutton, goat, game, andorgan meats.

Poultry includes fresh and frozen chickens and other fresh and frozen poultry (Cornish hens, turkey, duck, etc.).

Fish and seafood includes canned fish and seafood and fresh or frozen finfish and shellfish.

Eggs includes fresh eggs as well as powdered eggs and egg substitutes.

Fresh milk and cream includes fresh whole milk and other fresh milk such as buttermilk and fresh cream (including tablecream, whipping cream, fresh sour cream, and fresh sour cream dressing).

Other dairy products includes butter, cheese, ice cream products, yogurt, powdered milk, condensed and evaporated milk,liquid and powdered diet beverages, malted milk, milk shakes, chocolate milk, and other specified dairy products.

Fresh fruits includes all fresh fruits.

Fresh vegetables includes all fresh vegetables.

Processed fruits includes all frozen fruits and fruit juices, canned and dried fruits, and canned or bottled fruit juices.

Processed vegetables includes canned, dried, and frozen vegetables, and vegetable juices.

Sugar and other sweets includes sugar, candy and chewing gum, artificial sweeteners, jams, jellies, preserves, fruit butters,syrup, fudge mixes, icings, and other sweets.

Fats and oils includes margarine, shortening and salad dressings, nondairy cream substitutes and imitation milk, and peanutbutter.

Miscellaneous foods includes frozen prepared meals and other foods, canned and packaged soups, potato chips, nuts andother snacks, condiments and seasonings, olives, pickles, relishes, sauces and gravies, baking needs and other specifiedcondiments, other canned and packaged prepared foods, salads, desserts, and baby foods.

Nonalcoholic beverages includes diet and nondiet carbonated drinks (cola, fruit, and other carbonated drinks), coffee(roasted, instant, and freeze dried), tea (loose, instant, and ready-to-drink), and other nonalcoholic beverages, includingnoncarbonated fruit drinks, breakfast substitutes, chocolate flavored powders, and other specified nonalcoholic beverages.

Food away from home includes all meals (breakfast, lunch, brunch, and dinner) at restaurants, carryouts, and vendingmachines, including tips, plus meals as pay, special catered affairs such as weddings, bar mitzvahs, and confirmations, andmeals away from home on trips.

Alcoholic beverages includes beer and ale, wine, whiskey, gin, vodka, rum, and other alcoholic beverages.

HOUSING

Owned dwellings includes interest on mortgages, property taxes and insurance, refinancing and prepayment charges, groundrent, expenses for property management/security, homeowners' insurance, fire insurance and extended coverage, expensesfor repairs and maintenance contracted out, and expenses of materials for owner-performed repairs and maintenance fordwellings used or maintained by the consumer unit. Mortgage principal repayments are payments of loans and are shown inOther financial information.

Rented dwellings includes rent paid for dwellings, rent received as pay, parking fees, maintenance, and other expenses.

Other lodging includes all expenses for vacation homes, school, college, hotels, motels, cottages, trailer camps, and otherlodging while out of town.

Utilities, fuels, and public services includes natural gas, electricity, fuel oil, wood, kerosene, coal, bottled gas, water,garbage and trash collection, sewerage maintenance, septic tank cleaning, telephone charges, and other public services.

Domestic services includes babysitters, day care tuition, care of invalids, and domestic and other duties.

Other household expenses includes housekeeping services, gardening and lawn care services, coin-operated laundry andappliances and other household equipment, repair of computer systems for home use, reupholstering and furniture repair,rental and repair of lawn and gardening tools, and rental of other household equipment.

Housekeeping and garden supplies includes laundry and cleaning supplies, cleaning and toilet tissues, stationery supplies,postage, miscellaneous household products, and lawn and garden supplies.

Household textiles includes bathroom, bedroom, kitchen, dining room, and other linens, curtains and drapes, slipcovers anddecorative pillows, and sewing materials.

Furniture includes living room, dining room, kitchen, bedroom, nursery, porch, lawn, and other outdoor furniture.

Floor coverings includes installation and replacement of wall-to-wall carpets, room-size rugs, and other soft floorcoverings.

Major appliances includes refrigerators, freezers, dishwashers, stoves, ovens, garbage disposals, vacuum cleaners,microwaves, air-conditioners, sewing machines, washing machines and dryers, and floor cleaning equipment.

Small appliances/miscellaneous housewares includes small electrical kitchen appliances, portable heating and coolingequipment, china and other dinnerware, flatware, glassware, silver and other serving pieces, nonelectric cookware, andplastic dinnerware. Excludes personal care appliances.

Miscellaneous household equipment includes typewriters, luggage, lamps and other light fixtures, window coverings,clocks, lawnmowers and gardening equipment, other hand and power tools, telephone answering devices, telephoneaccessories, computers and computer hardware for home use, computer software and accessories for home use, calculators,office equipment for home use, floral arrangements and house plants, rental of furniture, closet and storage items, householddecorative items, infants' equipment, outdoor equipment, smoke alarms, other household appliances, and smallmiscellaneous furnishings.

APPAREL AND SERVICES

Men's and boys' apparel includes coats, jackets, sweaters, vests, sportcoats, tailored jackets, trousers, slacks, shorts andshort sets, sportswear, shirts, underwear, nightwear, hosiery, uniforms, and other accessories.

Women's and girls' apparel includes coats, jackets, furs, sportcoats, tailored jackets, sweaters, vests, blouses, shirts,dresses, dungarees, culottes, slacks, shorts, sportswear, underwear, nightwear, uniforms, hosiery, and other accessories.

Apparel for children under 2 includes coats, jackets, snowsuits, underwear, diapers, dresses, crawlers, sleeping garments,hosiery, footwear, and other accessories for children under 2.

Footwear includes articles such as shoes, slippers, boots, and other similar items. It excludes footwear for children under 2and special footwear used for sports such as bowling or golf shoes.

Other apparel products and services includes material for making clothes, shoe repair, alterations and repairs, sewingpatterns and notions, clothing rental, clothing storage, dry cleaning, sent out laundry, watches, jewelry, and repairs towatches and jewelry.

TRANSPORTATION

Vehicle purchases (net outlay) includes the net outlay (purchase price minus trade-in value) on new and used domestic andimported cars and trucks; other vehicles include attachable campers, trailers, motorcycles, and private planes.

Vehicle finance charges includes the dollar amount of interest paid for a loan contracted for the purchase of vehiclesdescribed above.

Gasoline and motor oil includes gasoline, diesel fuel, and motor oil.

Maintenance and repairs includes tires, batteries, tubes, lubrication, filters, coolant, additives, brake and transmissionfluids, oil change, brake adjustment and repair, front-end alignment, wheel balancing, steering repair, shock absorberreplacement, clutch and transmission repair, electrical system repair, exhaust system repair, body work and painting, motorrepair, repair to cooling system, drive train repair, drive shaft and rear-end repair, tire repair, other maintenance andservices, and auto repair policies.

Vehicle insurance includes the premium paid for insuring cars, trucks, and other vehicles.

Public transportation includes fares for mass transit, buses, trains, airlines, taxis, private school buses, and boats.

Vehicle rent, licenses, and other charges includes leased and rented cars, trucks, motorcycles, and aircraft, inspectionfees, State and local registration, drivers' license fees, parking fees, towing charges, and tolls.

HEALTH CARE

Health insurance includes health maintenance plans (HMO's), Blue Cross/Blue Shield, commercial health insurance,Medicare, Medicare supplemental insurance, and other health insurance.

Medical services includes hospital room and services, physicians' services, service of a practitioner other than physician,eye and dental care, lab tests, X-rays, nursing, therapy services, care in convalescent or nursing home, and other medicalcare.

Drugs includes prescription and nonprescription drugs, internal and respiratory over-the-counter drugs.

Medical supplies includes topicals and dressings, antiseptics, bandages, cotton, first aid kits, contraceptives, syringes, icebags, thermometers, sunlamps, vaporizers, heating pads, medical appliances such as braces, canes, crutches, and walkers,eyeglasses, and hearing aids, rental and repair of medical equipment.

ENTERTAINMENT

Fees and admissions includes fees for participant sports; admissions to sporting events, movies, concerts, plays; health,swimming, tennis and country club memberships, and other social recreational and fraternal organizations; recreationallessons or instruction; rental of movies, and recreation expenses on trips.

Television, radio, and sound equipment includes television sets, video recorders, video cassettes, tapes, disks, diskplayers, video game hardware, video game cartridges, cable TV, radios, phonographs, tape recorders and players, soundcomponents, records and tapes, and records and tapes through record clubs, musical instruments, and rental and repair of TVand sound equipment.

Pets, toys, hobbies, and playground equipment includes pet food, pet services, veterinary expenses, toys, games, hobbies,tricycles, and playground equipment.

Other entertainment equipment and services includes indoor exercise equipment, athletic shoes, bicycles, trailers,campers, camping equipment, rental of campers and trailers, hunting and fishing equipment, sports equipment, winter sportsequipment, water sports equipment, boats, boat motors and boat trailers, rental of boats, landing and docking fees, rental andrepair of sports equipment, photographic equipment, film and film processing, photographer fees, repair and rental of photoequipment, fireworks, pinball and electronic video games.

OTHER EXPENDITURES

Personal care products and services includes products for the hair, oral hygiene products, shaving needs, cosmetics andbath products, electric personal care appliances, other personal care products, personal care services for males and females.

Reading includes subscriptions for newspapers, magazines, and books through book clubs; purchase of single copynewspapers and magazines, newsletters, books, and encyclopedias and other reference books.

Education includes tuition, fees, textbooks, supplies, and equipment for public and private nursery schools, elementary andhigh schools, colleges and universities, and other schools.

Tobacco products and smoking supplies includes cigarettes, cigars, snuff, loose smoking tobacco, chewing tobacco, andsmoking accessories such as cigarette or cigar holders, pipes, flints, lighters, pipe cleaners, and other smoking products andaccessories.

Miscellaneous includes safety deposit box rental, checking account fees and other bank services, legal fees, accounting fees,funerals, cemetery lots, union dues, occupational expenses, and finance charges other than for mortgage and vehicles.

Cash contributions includes cash contributed to persons or organizations outside the consumer unit including alimony andchild support payments, care of students away from home, and contributions to religious, educational, charitable, or politicalorganizations.

Life, endowment, annuities, and other personal insurance includes premiums for whole life and term insurance;endowments; income and other life insurance; mortgage guarantee insurance; mortgage life insurance; premiums for personalliability, accident and disability, and other nonhealth insurance other than for homes and vehicles.

Retirement, pensions, and Social Security includes all Social Security contributions paid by employees; employee'scontributions to railroad retirement, government retirement, and private pension programs; retirement programs forself-employed.INCOME AND PERSONAL TAXES

Income is the combined income of all consumer unit members 14 years of age or over during the 12 months preceding theinterview. The components of income are described below. The order of the definitions of income and personal taxesfollows the order of presentation in published CE tables.

For a definition of Complete income reporters or Quintiles of income, see the Characteristics section above.

Money income before taxes is the total money earnings and selected money receipts during the 12 months prior to theinterview date. It includes the following components:

Wages and salaries includes total money earnings for all consumer unit members, 14 years of age and over, from all jobs,including civilian wages and salaries, Armed Forces pay and allowances, piece-rate payments, commissions, tips, NationalGuard or Reserve pay (received for training periods), and cash bonuses before deductions for taxes, pensions, union dues,etc.

Self-employment income includes net business and farm income, which consists of net income (gross receipts minusoperating expenses) from a profession or unincorporated business or from the operation of a farm by an owner, tenant, orsharecropper. If the business or farm is a partnership, only an appropriate share of net income is recorded. Losses are alsorecorded.

Social Security, private and government retirement includes the following: (1) payments by the Federal Governmentmade under retirement, survivors', and disability insurance programs to retired persons, to dependents of deceased insuredworkers, or to disabled workers; and (2) private pensions or retirement benefits received by retired persons or theirsurvivors, either directly or through an insurance company.

Interest, dividends, rental income, and other property income includes interest income on savings or bonds; paymentsmade by a corporation to its stockholders, periodic receipts from estates or trust funds; net income or loss from the rental ofproperty, real estate, or farms, and net income or loss from roomers or boarders.

Unemployment and workers' compensation and veterans' benefits includes income from unemployment compensationand workers' compensation, and veterans' payments including educational benefits, but excluding military retirement.

Public assistance, supplemental security income, and food stamps includes public assistance or welfare, including moneyreceived from job training grants; supplemental security income paid by Federal, State, and local welfare agencies tolow-income persons who are age 65 or over, blind, or disabled; and the value of food stamps obtained.

Regular contributions for support includes alimony and child support as well as any regular contributions from personsoutside the consumer unit.

Other income includes money income from care of foster children, cash scholarships, fellowships, or stipends not based onworking; and meals and rent as pay.

Federal income taxes includes Federal income taxes withheld in survey year to pay for income earned in survey year plusadditional taxes paid in survey year to cover any underpayment or underwithholding of taxes in the year prior to the survey.

State and local income taxes includes State and local income taxes withheld in survey year to pay for income earned insurvey year plus additional taxes paid in survey year to cover any underpayment or underwithholding of taxes in year priorto survey.

Other taxes includes personal property and other personal taxes paid, including Social Security taxes for the self-employedpaid in the survey year to cover any underpayment or underwithholding of taxes in the year prior to the survey.

OTHER FINANCIAL INFORMATION

The items here are not part of expenditures or income. They are provided for additional information.

Net change in assets includes changes in savings and checking accounts; purchases of securities (stocks, bonds, or mutualfunds) in the year which they were held to the end of the year, sales of securities which were purchased in a prior year;changes in the balances of money owed to the consumer unit (CU); sales and purchases, and repairs and improvements toown dwelling occupied by the CU; vacation home, recreational property, unimproved land and other property owned by theCU; changes in investments in unincorporated family businesses and farms; amounts received or reimbursements from thesale of vehicles; principal amounts of trust held on own dwelling, vacation home, and other properties owned by the CU; andsurrender of insurance policies. This value has a positive or negative sign to indicate increase or decrease in assets.

Net change in liabilities includes changes in mortgage principal on own dwelling occupied by the consumer unit (CU),vacation home, recreational property, unimproved land and other property owned by the CU; payments of mortgage interestdue before either survey year of the survey period; money owed on purchases of cars, trucks, and other vehicles, and moneyowed to other creditors such as department stores, banks, credit unions, finance companies, insurance companies, doctors,dentists, and other medical practitioners. This value has a positive or negative sign to indicate increases or decreases inliabilities.

Other money receipts includes lump-sum payment from estates, trusts, insurance, sale of house furnishings, refunds fromoverpayment on Social Security, refunds from insurance policies, and refunds from property taxes.

Mortgage principal paid on owned property includes the reduction of mortgage principal on a mortgage obtained prior tothe interview quarter for a home or any other property. This is not included in homeowner costs, but is repayment of a loan.

Gifts of goods and services includes gift expenditures for persons outside of the consumer unit: (1) clothing for females andmales over 2 years of age, and infants under 2 years of age; (2) jewelry and watches; (3) small appliances andmiscellaneous housewares; (4) blankets, sheets, towels, and table linens; and (5) all other gifts. These items have alreadybeen defined. Their values are given so they can be subtracted from the expenditure totals if the value of consumption withinthe household is desired.

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https://allcountries.org/uscensus/733_average_annual_expenditures_of_all_consumer.html

These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.

Copyright � 2019 Photius Coutsoukis and Information Technology Associates, all rights reserved.

733. Average Annual Expenditures of all Consumer Units, by Region and Size of Unit