[Federal Register Volume 59, Number 101 (Thursday, May 26, 1994)]
[Unknown Section]
[Page 0]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 94-12463]
[[Page Unknown]]
[Federal Register: May 26, 1994]
OFFICE OF PERSONNEL MANAGEMENT
Report on Summer 1993 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas
AGENCY: Office of Personnel Management.
ACTION: Notice.
-----------------------------------------------------------------------
SUMMARY: This notice publishes the ``Report to OPM on Living Costs in
Hawaii, Guam and the Commonwealth of the Northern Mariana Islands,
Puerto Rico, United States Virgin Islands, and in the Washington, DC,
Area, March 1994,'' prepared by Runzheimer International under
Government contract OPM-90-0705. This report provides the basis for the
increases in certain cost-of-living allowances (COLA's) being proposed
by OPM in the notice of proposed rulemaking immediately preceding this
notice.
DATES: Consistent with the deadline on comments in response to the
notice of proposed rulemaking immediately preceding this notice, OPM
requests that comments on the report be submitted on or before July 25,
1994.
ADDRESSES: Send or deliver comments to Allan G. Hearne, Methodology
Development Branch, Office of Compensation Policy, Personnel Systems
and Oversight Group, Office of Personnel Management, room 6H31, 1900 E
Street NW., Washington, DC 20415.
FOR FURTHER INFORMATION CONTACT:
Allan G. Hearne, (202) 606-2838.
SUPPLEMENTARY INFORMATION: Under 5 CFR 591.206(c), COLA survey
summaries must be published in the Federal Register. Accordingly, OPM
is publishing the complete ``Report to OPM on Living Costs in Hawaii,
Guam and the Commonwealth of the Northern Mariana Islands, Puerto Rico,
United States Virgin Islands, and the Washington, DC, Area, March
1994,'' produced by Runzheimer International. The Runzheimer report
describes the surveys that were conducted for OPM in the summer of 1993
in Hawaii, Guam, Puerto Rico, the Virgin Islands, and the Washington,
DC, area. It also explains in detail the methodologies, calculations,
and findings.
OPM is publishing the survey results at this time to expedite the
implementation of potential COLA rate adjustments. This notice does not
cover the winter 1994 living-cost surveys conducted in Alaska. The
results of the winter 1994 surveys will be published in a separate
notice later this year after OPM has fully analyzed the results of the
Alaska surveys.
Based on the summer 1993 living-cost surveys, Runzheimer computed
index values of relative living costs in allowance areas using an index
scale where the living costs in the Washington, DC, area are set at
100. (See the Executive summary of the March 1994 Runzheimer report
accompanying this notice.) OPM notes that the summer surveys indicated
that COLA rates in three allowance areas are above levels otherwise
warranted. However, the Treasury, Postal Service, and General
Government Appropriations Act, 1992 (Pub. L. 102-141), bars any
reduction in COLA rates through December 31, 1995. Thus, the only rate
adjustments to be made are rate increases, as described in the notice
of proposed rulemaking immediately preceding this notice.
U.S. Office of Personnel Management.
James B. King,
Director.
Report to OPM on Living Costs In Hawaii, Guam and the Commonwealth of
the Northern Mariana Islands, Puerto Rico, United States Virgin
Islands, and in the Washington, DC Area
March 1994
Table of Contents
Executive Summary
1. Introduction
1.1 Report Objectives
1.2 Changes in This Year's Survey
1.3 Pricing Period
1.4 Living Cost Components
2. Overall Model
2.1 Measurement of Living-Cost Differences
2.1.1 Target Population: Federal Employees
2.1.2 Determination of Expenditure Patterns
2.1.2.1 Source of Expenditure Data
2.1.2.2 Income Level Adjustments
2.1.2.3 Family Size Considerations
2.1.2.4 Analysis of the 1988 Consumer Expenditure Survey
2.2 General Formulae and Applications
2.3 Data Collection Process
2.3.1 In-house Research Staff
2.3.2 Field Researchers--``Research Associates''
2.3.3 On-site Visits by Runzheimer Research Personnel
2.4 Editing and Quality Control Procedures
2.5 Pricing Surveys in Puerto Rico
2.6 Pricing Surveys in Hawaii County
2.7 Surveying the Washington, D.C., Area
3. Consumption Goods & Services
3.1 Component Overview
3.2 Marketbasket Research
3.2.1 Expenditure Research--Category Weightings
3.2.2 Expenditure Research--Subcategory and Item weightings
3.3 Marketbasket Item Specifications
3.3.1 Exchange and Commissary Expenditure Research
3.4 Goods & Services Data Collection Procedures
3.4.1 Data Collection Materials
3.4.2 Outlet Selection
3.4.3 Special Considerations in Guam and Kauai
3.5 Inclusion of Sales and Excise Taxes
3.6 Goods & Services Survey Results
4. Housing
4.1 Component Overview
4.2 Housing Model
4.2.1 Expenditure Research
4.2.2 Development of Housing Profiles
4.2.3 Living Community Selection
4.2.4 Identification and Quantification of Housing-Related
Expenses
4.2.4.1 Utilities
4.2.4.2 Real Estate Taxes
4.2.4.3 Owners/Renters Insurance
4.2.4.4 Maintenance
4.2.4.5 Telephone
4.3 Housing Data Collection Procedures
4.3.1 Homeowner Data Collection
4.3.2 Renter Data Collection
4.4 Housing Analysis
4.4.1 Homeowner Data Analysis
4.4.1.1 Data Trimming
4.4.1.2 Special Considerations
4.4.2 Rental Data Analysis
4.4.2.1 Data Trimming and Special Analyses
4.4.3 Analysis of Housing-Related Expenses
4.5 Housing Survey Results
5. Transportation
5.1 Component Overview
5.2 Private Transportation Methodology
5.2.1 Vehicle Selection and Pricing
5.2.2 Vehicle Trade Cycle
5.2.3 Fuel Performance and Type
5.2.3.1 Impact of Temperature upon Fuel Performance
5.2.3.2 Impact of Road Surface upon Fuel Performance
5.2.3.3 Impact of Gradient upon Fuel Performance
5.2.3.4 Overall Impact upon Fuel Performance
5.2.4 Vehicle Maintenance
5.2.5 Tires
5.2.6 License and Registration Fees, and Miscellaneous Tax
5.2.7 Depreciation
5.2.8 Finance Expense
5.2.9 Vehicle Insurance
5.3 Public Transportation Methodology
5.4 Transportation Survey Results
6. Miscellaneous Expenses
6.1 Component Overview
6.2 Miscellaneous Expense Model
6.2.1 Expenditure Research
6.2.2 Miscellaneous Expense Methodology
6.3 Miscellaneous Expense Data Collection Procedures
6.4 Miscellaneous Expense Survey Results
7. Final Results
7.1 Total Comparative Cost Indexes
7.2 General Comments
7.3 Recommendations
Appendix
Appendix 1 Consumer Expenditure Survey (CES)
Appendix 2 Marketbasket Descriptions
Appendix 3 Pricing Changes: Good & Services/Miscellaneous Expense/
Transportation/Housing Related
Appendix 4 Consumption Goods & Services Analysis
Appendix 5 Nonforeign Area Cost-of-Living Allowances Price Survey
Data and Background Survey Data Collection Procedures
Appendix 6 1992/1993 OPM Living Community Selection
Appendix 7 Housing Cost Analysis
Appendix 8 Housing Analysis
Appendix 9A Analysis of Home Sales Data
Appendix 9B Analysis of Rental Data
Appendix 10A Private Transportation Cost Analysis
Appendix 10B Auto Insurance Calculation Worksheet
Appendix 11 Transportation Analysis
Appendix 12 Miscellaneous Expense Analysis
Appendix 12 Multiple Survey Areas
Appendix 14 Component Expenditure Amounts & Total Comparative Cost
Indexes
Executive Summary
This report culminates the fourth living-cost comparison study
undertaken by Runzheimer International for the Office of Personnel
Management (OPM) under contract OPM-90-0705. The contract requires
Runzheimer to:
(1) Survey living costs in 7 cost-of-living allowance (COLA) areas
and the Washington, DC, area, and
(2) Compare living costs between the areas and the DC area.
To determine living costs in the identified areas and build this
report, Runzheimer researched over 3,000 outlets and gathered more than
12,000 price quotes.
This report presents the results of the living-cost surveys
conducted during the summer of 1993. The results of the winter 1994
living-cost surveys will be presented in a subsequent report to be
provided to OPM in mid-1994.
To ease interpretation of the research results, we display the
outcome of the comparisons as living-cost indexes in the table below.
In addition, the table shows living-cost indexes for federal employees
who have unlimited access to commissary and exchange facilities because
of their employment. The index for the Washington, DC, area (not shown)
is 100.00 because it is, by definition, the reference area.
Final Cost Comparison Indexes
------------------------------------------------------------------------
Local Commissary
Allowance area pricing & exchange
------------------------------------------------------------------------
City & Cnty of Honolulu, Hawaii............... 122.90 120.26
Hawaii Cnty, Hawaii........................... 109.63 NA
Kauai Cnty, Hawaii............................ 119.27 NA
Maui Cnty, Hawaii............................. 119.32 NA
Guam, CNMI*................................... 122.25 120.81
Puerto Rico................................... 103.00 102.17
U.S. Virgin Islands........................... 117.81 NA
------------------------------------------------------------------------
*Commonwealth of the Northern Mariana Islands.
NA=Not Applicable.
One of the changes OPM requested this year was to separate the
reporting of the summer and winter living-cost surveys. As noted
earlier, this has been done. The purpose of this change was to allow
OPM to adjust COLA where warranted in a more timely manner.
Another change was to combine the St. Croix and St. Thomas, Virgin
Island, data to form a single index for the U.S. Virgin Islands. This
change was made to address concerns about the quantity of data,
obtained in the Virgin Islands. Combining the two areas significantly
increases the data base and improves price comparisons.
For the 1993 summer surveys, OPM asked Runzheimer to change of its
data collection procedures and data analyses relative to last year's
surveys. Runzheimer also initiated other changes with OPM's approval.
Some of these changes included:
Using a moving average approach to introduce new Federal
employment weights;
Increasing the quantity of housing data obtained in
certain areas--most notably parts of the Virgin Islands;
Making minor changes in pricing sources for certain items
to refine the comparisons of D.C. and allowance area prices;
Taking into account the effects of the earthquake in Guam
by ensuring that goods & services pricing--most notably fresh produce--
was not abnormally skewed;
Taking into account the effects of Hurricane Iniki in
Kauai by ensuring that prices--particularly housing costs--were not
abnormally skewed;
Employing a new methodology for collecting and analyzing
Virgin Island, Guam, and Puerto Rico automobile insurance rates; and
Employing a new methodology for determining automobile
maintenance costs.
In addition, to monitor, fine-tune, and maintain effective control
of the data-gathering efforts in both the Pacific and Caribbean
regions, two of Runzheimer's senior research staff traveled to these
regions to visit retail outlets, Runzheimer research associates,
housing data sources, and living communities.
We discuss these and other adjustments in appropriate sections
throughout this report.
Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of
the Northern Mariana Islands, Puerto Rico, U.S. Virgin Islands, and in
the Washington, DC Area
1. Introduction
1.1 Report Objectives
This comprehensive report culminates data-gathering and research
work undertaken in 1993 as required by Task 2 of contract OPM-90-0705
between the Office of Personnel Management (OPM) and Runzheimer
International. The report details the results of Runzheimer
International's surveys of over 3,000 outlets to obtain more than
12,000 price quotes and the analyses of the data.
This is the fourth report Runzheimer has produced for OPM under
this contract. In 1990, in fulfillment of Task 1 of the contract,
Runzheimer worked with OPM to design a model for estimating comparative
living costs between the allowance areas and the Washington, D.C.,
area. Task 2 of the contract required that Runzheimer apply the model
by conducting living-cost surveys, analyzing the results, and
developing living-cost comparative indexes. On February 26, 1991, OPM
published that model and the results of the first surveys conducted
under the model in the Federal Register. On December 10, 1992, OPM
published in the Federal Register the second report, which covered the
summer 1991 and winter 1992 surveys. On August 30, 1993, OPM published
in the Federal Register the next report that covered the summer 1992
and winter 1993 surveys.
Unlike previous reports, this report provides only the results of
the summer 1993 surveys. This change was made to allow OPM the
opportunity to adjust COLA rates where warranted in a more timely
manner. Results of the 1994 winter surveys (i.e., the Alaska surveys)
will be presented in a separate report to be provided to OPM in mid-
1994.
The analyses in this report establish the comparative cost
differences between the allowance areas listed below and the
Washington, D.C., area. By law, Washington, D.C., is the base of
``reference'' area for the nonforeign-area COLA program.
1. City and County of Honolulu, Hawaii
2. Hawaii County, Hawaii
3. Kauai County, Hawaii
4. Maui County, Hawaii
5. Guam and the Commonwealth of the Northern Mariana Islands (CNMI)
6. Puerto Rico
7. U.S. Virgin Islands
Under OPM regulations, federal civilian employees who have
unlimited access to commissaries and post exchanges due to their
employment by the government may receive a different allowance rate
than other federal employees. This regulation does not apply to federal
employees who have limited access or unlimited access for other
reasons--e.g., being married to active or retired military personnel.
Task 2 of the OPM contract also required Runzheimer International
to calculate comparative living costs in the areas listed below and the
Washington, D.C., area for federal civilian employees who have access
to military commissaries and post exchanges.
1. City and County of Honolulu, HI
2. Guam/CNMI
3. Puerto Rico
1.2 Changes in This Year's Survey
Runzheimer and OPM made several changes to the surveys and
analyses, including--
reporting the results of the summer and winter surveys
separately;
using a moving average approach to introduce new Federal
employment weights;
combining St. Croix and St. Thomas data to produce indexes
for the Virgin Islands as a whole;
increasing the sample size of housing information in
several areas, including Hawaii, San Juan, St. Croix, and the Maryland
suburbs of the Washington, D.C., area;
developing a percent-to-market value formula to calculate
real estate taxes for San Juan because tax assessment data were no
longer available as a result of a decentralization of property tax
function in Puerto Rico;
increasing the comparability of automobile insurance in
the Virgin Islands, Guam, and Puerto Rico, compared with the
Washington, D.C., area;
surveying only the cash price at branded gas stations
unless only non-branded stations are available; and
more accurately defining the distinguishing differences
between family dining and fine dining.
Runzheimer has continued to include catalog sales in its survey.
Since the Sears catalogs have been discontinued. Runzheimer has
researched hundreds of catalogs to determine which are most
appropriate. Runzheimer researchers found that most catalogs have
uniform shipping charges. Only catalogs that sell merchandise in the
allowance areas and the Washington, D.C., area were used.
Appendix 3 identifies Goods & Services, Miscellaneous Expense, and
Housing Related pricing changes. Current housing data can be found in
appendix 9A and Appendix 9B. Other changes are discussed where
applicable in the report.
1.3 Pricing Period
Consistent with last year's tropical-area surveys. Runzheimer
collected data for the Hawaii, Guam/CNMI, Puerto Rico, and Virgin
Islands allowance areas (and the Washington, D.C., area) in August,
September, and October of 1993, pricing most items during August. Also
during August, our research associates priced durable goods, such as
cars, and, in October, items such as homeowner insurance, which depend
on the pricing of other items (i.e., housing).
To ensure consistent seasonable catalog pricing, Runzehimer used
spring/summer catalogs for the catalog items covered in these surveys.
1.4 Living Cost Components
In accordance with federal regulations, expense components
Runzheimer costed to develop analyses, comparisons, and the report
were:
1. Housing and Housing Related Expenses
2. Transportation
3. Consumption Goods & Services
4. Miscellaneous Expenses
Runzehimer factored sales, excise and property taxes into the
analysis where applicable. However, in keeping with previous reports,
we did not factor federal, state and local income taxes into the
analysis. Because income taxes significantly affect living-cost
analyses, Runzheimer and OPM are researching the issue of including
income taxes in future surveys.
Educational opportunities vary significantly among locations in
terms of availability, quality, and other factors. Runzheimer analyst
and OPM officials agree that, without additional information, attempts
to measure cost differences in education in the selected areas would be
highly subjective and would not add to the integrity of the model.
Therefore, education expense is not included in the model or surveys.
2. Overall Model
2.1 Measurement of Living-Cost Differences
The most common and most widely accepted way to measure living-cost
differences between and among locations is to select representative
items that people purchase in these locations and to calculate the
respective cost differences, combining them according to their
importance to one another (as measured by relative percentage of
expenditures). Runzheimer applied this methodology to compare the
living costs in each of the allowance areas with the living costs in
the Washington, D.C. area.
To move from this basic concept to computing comparative living
costs between each allowance area and the Washington, D.C., area,
Runzheimer followed five main processes or steps:
Step 1 Identify the segment of the population for which this
analysis is being targeted (i.e., the target population).
Step 2 Determine how these people spend their money.
Step 3 Select items to represent the expense categories for which
these people spend their money.
Step 4 Conduct pricing surveys of the selected items in each area.
Step 5 Analyze cost ratios for the selected items and aggregate
them according to the relative importance of each item.
2.1.1 Target Population: Federal Employees
Runzheimer's living-cost model measures living-cost differences for
non-military Federal employees having annual base salaries between
$10,000 and $80,000, the salary range of the 1990 General Schedule (GS)
of the Federal Government. Because living-cost differences may vary
depending on an employee's income level, Runzheimer designed its
analytical model to identify living costs at three income levels.
In its first report to OPM, Runzheimer used the salary distribution
of all General Schedule employees as of March 31, 1990, which OPM
supplied, to determine the income levels that most accurately represent
the Federal employee population. After analyzing the array of salary
data, Runzheimer picked the midpoints of the lower, middle and upper
thirds of the distribution as its three income levels ($18,000, $28,400
and $45,200 respectively).
Runzheimer applied the same income levels for this report as it did
for the first. In previous reports, Runzheimer recommended that OPM
consider introducing changes in income levels and weights on a gradual
basis. OPM agreed, and this year OPM introduced new Federal employment
weights that are based on a moving average. OPM has informed Runzheimer
that OPM plans to introduce other changes, such as in the
representative income levels and Consumer Expenditure Survey (CES)
weights, in future surveys.
Runzheimer uses Federal employment weights in the model in two
ways: (1) to combine survey data from multiple survey areas within a
single allowance area and (2) to combine relative living costs by
income level within each allowance area into a single index for the
area (as required by section 591.205(c) of title 5, Code of Federal
regulations).
OPM's moving average allows the gradual introduction of new
employment distribution data over time. The weights are based on a
three-year average of GS employment. Each year, the latest GS
employment data will be added to the three-year average, the oldest
data will be deleted, and a new three-year average will be computed.
This will keep the weights current while mitigating any fluctuations
due to short-term changes in Federal employment.
In this first application of the moving average, OPM is departing
slightly from the process described above in that the three employment
distributions used are for the periods of 1990, 1992, and 1993. The
1990 rather than 1991 employment distribution is used because the model
previously used 1990 data only. (See Appendix 13.)
2.1.2 Determination of Expenditure Patterns
2.1.2.1 Source of Expenditure Data
Conforming with last year's process, Runzheimer used the ``prepub''
statistical reports from the 1988 CES dated February 13, 1990 (see
Appendix 1) as the basis for weighting expenditure patterns.
2.1.2.2 Income Level Adjustments
Because the CES reflected 1988 expenditure levels, Runzheimer
reduced the three 1990 incomes back to 1988 levels before beginning the
expenditure analysis. To calculate estimated 1988 income levels,
Runzheimer used the average percentage salary increases of Federal
employees for the two-year period in question as supplied by OPM
officials (4.1% increase 1988-89 and 3.6% increase 1989-90, resulting
in a 7.85% two-year increase). This adjustment reduced the 1990 income
levels to estimated 1988 levels of $16,700, $26,300, and $41,900.
2.1.2.3 Family Size Considerations
A family size of 2.6 was inherent in the weighting scheme
Runzheimer employed to price all allowance areas. Derived from CES
research, the number represented an average for the nation.
2.1.2.4 Analysis of the 1988 Consumer Expenditure Survey
From the 1988 CES, Runzheimer used the statistical report entitled
``Table 2. Income before Taxes,'' which listed average expenditures for
families earning similar incomes, organized into eight income ranges.
Runzheimer analyzed these data to develop typical spending patterns for
the three income profiles identified in 2.1.2.2. (The table below
displays the results of the analysis.)
Seven income categories encompassed these three income profiles:
$10,000 to $14,999
$15,000 to $19,999
$20,000 to $29,999
$30,000 to $39,999
$40,000 to $49,999
$50,000 and over
All respondents combined
The 1988 CES grouped expenses into small, logical families of
items. For example, the report divided money spent by families on beef
into four groups: ground beef, roast, steak and other beef. The steak
and roast groupings were further separated into smaller clusters of
items (e.g., sirloin and round steak, chuck and round roast).
Drawing on this survey of expenditure data, Runzheimer sorted the
item groupings into the four main cost components specified in the OPM
regulations: Consumption Goods & Services, Transportation, Housing, and
Miscellaneous Expenses. Runzheimer observed that families in the lower
income ranges spent more of their money, as a percentage of total
expenses, on goods and services and housing than families in higher
income ranges. Also, families spent approximately the same percentage
of their total expenses on transportation, regardless of income.
Consequently, the Miscellaneous Expense component--which includes such
things as medical-care expenses, contributions, gifts to non-family
members, pension funds, long-term savings and investments, and life
insurance premiums--increased as a percentage of total expenses as
income increased.
To develop accurate and defensible weighting patterns for the three
income levels, Runzheimer performed linear regression analysis on the
selected 1988 CES data. Listed below are the results of Runzheimer's
analysis for the income ranges listed on the preceding page:
Component Expenses Expressed as a Percentage of Total Expenses
----------------------------------------------------------------------------------------------------------------
Income Goods &
Income Level 1991 Level 1988 Services Housing Transportation Misc. Total
(Est.) (percent) (percent) (percent) (percent) (percent)
----------------------------------------------------------------------------------------------------------------
$18,000........................ $16,700 39.59 24.35 20.76 15.30 100.00
28,400......................... 26,300 39.15 23.48 20.33 17.04 100.00
45,200......................... 41,900 38.74 22.66 19.94 18.66 100.00
----------------------------------------------------------------------------------------------------------------
Runzheimer further sorted Goods & Services into ten categories and
used linear regression techniques to provide ratios of renters to
homeowners at each income level. Statistics on these component
groupings appear later in this report.
2.2 General Formulae and Applications
An ```index'' is a mathematical way to compare one price (or set of
data) with another. For example, if a price index for a can of green
beans is 110, that means that a can of green beans costs 10% more in
the pricing area (i.e., allowance area) than in the reference area
(i.e., the Washington, D.C., area).
Runzheimer computed indexes for hundreds of items. To combine these
indexes, Runzheimer applied weights from the CES that reflected the
relative amount consumers normally spend on the items. For example, the
price of a can of green beans has a lower weight than the price of a
pound of apples because, according to the CES, people generally spend
less on canned green beans than on apples.
Runzheimer employed an indexing methodology known as Laspeyres to
derive total cost indexes for each of three income levels and for each
costed location. As applied to living-cost research, the Laspeyres
index reflects the expenditure patterns of the people in the reference
area (i.e., the Washington, D.C., area) to weight the prices. Because
detailed CES data by income level are not published for the Washington,
D.C., area, Runzheimer used nationwide CES data to compute weights.
Consequently, Runzheimer did not technically apply the Laspeyres index
methodology in its pure form. Nevertheless, Runzheimer firmly believes
that this nuance does not invalidate the price comparisons presented in
this report.
As described in the example above and in greater detail in sections
3.2 and 6.2, Runzheimer applied the Laspeyres methodology to compute
price indexes for the Goods & Services and the Miscellaneous Expenses
components, respectively. For the Transportation and the Housing
components, Runzheimer used a combination of a cost-build-up approach
and the Laspeyres methodology to compute component indexes.
In conformance with section 591.205(c), title 5, Code of Federal
Regulations, Runzheimer followed a five-step process to derive the
overall total indexes for each allowance area. First, Runzheimer used
the CES data and the income ranges described in section 2.1.2.4 above
to derive the amount of money consumers typically spend on each
component at each income level. These amounts appear in the table below
and in Appendix 14.
Typical Consumer Expenditures by Income Level and Component
--------------------------------------------------------------------------------------------------------------------------------------------------------
Income level Goods & services Own/rent Transportation Misc. Total
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower.................................................... $7,126 $4,383 $3,737 $2,754 $18,000
Middle................................................... 11,119 6,668 5,774 4,839 28,400
Upper.................................................... 17,510 10,242 9,013 8,434 45,200
--------------------------------------------------------------------------------------------------------------------------------------------------------
Note: Values may not total because of rounding.
Second, for each allowance area, Runzheimer multiplied the values
above by the component indexes for the allowance area. Because the
Housing component consisted of two indexes (one for owners and another
for renters), we produced two sets of total relative costs--one for
owners and another for renters.
Third, for each allowance area and income level, Runzheimer
combined the total relative costs for owners and renters using the
proportion of owners and renters as identified in the CES to weight the
costs. (See section 4.2.1) This produced an overall, average, relative
living cost at each income level in each allowance area.
Fourth, for each allowance area, the overall, average relative
costs by income level were combined using federal employment weights
based on the employment at each income level in the allowance area.
Applying the same allowance-area employment weights, Runzheimer
computed an overall, average cost for the reference area.
The last step was to divide the overall, average relative cost for
the allowance area by the overall, average cost for the reference area
to produce the final index. (See Appendix 14 for the calculations for
each index.)
2.3 Data Collection Process
As noted earlier, Runzheimer obtained price information on over
12,000 items from over 3,000 outlets. To accomplish this important
research effort, we selected the most efficient and effective
information-gathering approaches possible. This section describes the
various approaches.
2.3.1 In-house Research Staff
Runzheimer research personnel at its corporate headquarters in
Rochester, Wisconsin, played a major role in all data-collection
activities. These professionals:
Contacted manufacturers, trade associations, governmental
agencies, and retail establishments to ensure that suitable items were
selected and priced;
Contacted professionals in the real estate business in
each of the costed locations to obtain general information as well as
specific rental rates and home market values;
Conducted pricing surveys on site and by telephone for
many items;
Served as a liaison for field researchers;
Performed hundreds of quality control checks in
conformance with editing rules communicated by Runzheimer to OPM once
the data had been collected (these checks often involved verification
of the survey data through telephone calls as well as comparing current
data-gathering results with those from the 1992-1993 survey); and
Analyzed and computed the category, component and total
comparative cost indexes.
2.3.2 Field Researchers--``Research Associates''
Collection of most price data was best accomplished through
personal visits to retail outlets (e.g., grocery, clothing,
automobiles). For these activities, Runzheimer hired residents of each
allowance area as independent contractors (``research associates'').
For years, when measuring living costs for its clients, Runzheimer has
applied this approach to data collection in over 80 countries
worldwide.
To avoid any real or perceived conflicts of interest, Runzheimer
did not hire persons as research associates who were either employees
of the federal government, or who had immediate family who were
employees of the federal government.
2.3.3 On-site Visits by Runzheimer Research Personnel
Full-time Runzheimer research professionals travelled to selected
allowance areas to supervise data-collection activities and perform
various quality-control checks on the data as necessary. Each such
visit occurred during the pricing period.
The researchers visited living communities within the allowance
areas to look at housing accommodations personally and to talk with
local real estate professionals. They also visited numerous retail
outlets to verify item quality, selection and price levels in general.
In addition, these researches met with Runzheimer's research
associate(s) to answer any data-collection questions and to provide any
additional training and instruction as necessary.
2.4 Editing and Quality Control Procedures
Runzheimer's experience in measuring living-cost differences
enabled us to establish editing and quality-control procedures at all
stages of collecting and analyzing data. All data provided by research
associates were manually reviewed by analysts prior to being entered
into Runzheimer's computer system. Data elements were subsequently
checked through software programs.
Federal regulations in section 591.205(b)(1)(i), title 5, Code of
Federal Regulations, state that, ``Whenever possible, exact brands and
models are priced in each location.'' Every effort was made to satisfy
this objective. (See section 3.3 for a discussion of brand and model
selection.) Nevertheless, in a number of the allowance areas, the exact
brands and models were either not readily available or not available at
all. In these instances, editing decisions and substitutions were
needed.
Runzheimer defines ``editing'' as the removal and/or replacement of
a price quote based on consistent and logical criteria. In all areas,
Runzheimer was concerned that items of lesser or greater quality than
the item specified might inadvertently be included in the analysis and
bias the results. Therefore, any price quote that varied significantly
from other price quotes for the item was flagged, verified, and if
necessary, eliminated from the analysis.
Removing an item from a location analysis causes redistribution of
its weight to other items in its subcategory (or category when no
subcategory exists). Consequently, whenever possible, Runzheimer
avoided removing an unpriced item from a location analysis. When the
review process revealed a missing price for an item, Runzheimer
resurveyed to obtain a price wherever possible.
2.5 Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin
Islands
Three allowances areas have multiple survey areas within each
allowance areas. The three allowance areas are Hawaii County, Hawaii;
Puerto Rico; and the U.S. Virgin Islands. For each of these areas, OPM
provided Runzheimer GS employment distribution data based on the
moving-average approach described in section 2.1.1.
In the Hawaii County allowance area, two areas are surveyed: Hilo
and Kailua Kona. The OPM data indicated that approximately 82% of the
GS employees worked in the Hilo area, and the remaining 18% worked in
the Kailua Kona area. To combine prices from both cities, Runzheimer
used approximately an 82% Hilo and 18% Kailua Kona weighting. (See
Appendix 13.)
Similarly, in the Puerto Rico allowance area, two areas are
surveyed: Mayaguez and San Juan. The OPM data indicated that
approximately 84% of the GS workforce in Puerto Rico work at facilities
within or near the San Juan-Caguas-Areciro Consolidated Metropolitan
Statistical Area. The remaining 16% is distributed throughout Puerto
Rico without any particular concentration. However, more of these
remaining employees generally appeared to live closer to Mayaguez than
any other large Puerto Rican city. Therefore, with OPM's approval,
Mayaguez was chosen for the survey. To combine the prices from both
cities, Runzheimer used approximately an 84% San Juan and 16% Mayaguez
weighting.
As noted earlier, this year OPM asked Runzheimer to combine survey
data from St. Croix and St. Thomas, Virgin Islands. The same approach
used in Hawaii County and Puerto Rico was applied to the Virgin Islands
data. OPM's data indicated that approximately 46% of the GS employees
worked on St. Croix, and that the remaining 54% worked on St. Thomas
and St. John. Therefore, to combine the prices from these areas,
Runzheimer used approximately a 46% St. Croix and 54% St. Thomas/St.
John weighting.
2.6 Surveying the Washington, DC, Area
OPM defined the Washington, DC., area in the federal regulations as
the Washington DC-MD-VA Metropolitan Statistical Area. Because federal
employees who work in this area reside in Virginia, in Maryland, and in
the District of Columbia, Runzheimer selected retail outlets and living
communities from all three. Runzheimer's model gave equal weight to the
average prices in each geographic area.
Because of the size and diversity of the Washington, D.C., area,
Runzheimer conducted substantially more pricing surveys there than in
other areas. For the Goods & Services component, Runzheimer generally
surveyed to obtain six times as many price quotes in the Washington,
D.C., area as in the typical allowance area. For the Housing,
Transportation and Miscellaneous Expense components, data collection
was generally triple that of the typical allowance area.
3. Consumption Goods & Services
3.1 Component Overview
Based on the CES data, the Goods & Services component consisted of
ten categories of family expense:
Food at Home
Food Away from Home
Tobacco
Alcohol
Furnishings & Household Operations
Clothing
Domestic Services
Professional Services
Personal Care
Recreation
To aid in quality control and analysis of future pricings,
Runzheimer further subdivided four of the largest categories--food at
home, furnishings and household operations, clothing, and recreation--
into subcategories. Specific examples of products and services from
these four subdivided categories can be found below. These examples
only represent a minor portion of the total number of items (products
and services) Runzheimer priced within each subdivided category. (See
Appendix 2 for a complete description of all marketbasket items.)
Examples of Subcategories and Items Surveyed in the Four Major Goods &
Services Categories
Goods and Subcategories and items surveyed (examples)
services
category
------------------------------------------------------------------------
Food at Home.... Meats Cereals & Breads Groceries.
Pork Chops Cookies Coffee.
Whole Chicken Spaghetti Ketchup.
Ground Beef Cake Margarine.
Dairy Fruits &
Vegetables
Milk Apples
Cheddar Cheese Frozen Peas
Fresh Oranges
Furnishing and Services Furniture Misc. Household
Household Eqpt.
Operations.
Appliance Repair Living Room Chair
Supplies Major Appliances Hammer.
Toilet Tissue Kitchen Range Electric Drill.
Laundry Soap Refrigerator Lawn Trimmer.
Household Housewares &
Textiles
Bath Towel Small Appliance
Two-slice Toaster
Clothing........ Men's and Boy's Infant's
Boy's Jeans Disposable
Diapers
Man's Jeans Footwear
Women's and Man's Shoes
Girl's
Woman's Slacks Apparel Products
and Services
Girl's Blouse Coin Laundry
Girl's Jeans
Recreation...... Fees and TV, Radio and Entertainment.
Admissions Eqpt
Bowling Video Rental Board game.
Golf Pets Reading.
Pet Food Magazine.
From its ten categories of expense (which include the four
subdivided categories above), Runzheimer selected a marketbasket of
items on which to base its goods and services analysis. A
``marketbasket'' is a selected group of products and services that
represent hundred or even thousands of other items. Pricing every item
available to consumers in a given locale would be unnecessary and
inefficient.
Runzheimer selected typically purchased items and weighted these
according to their relative importance in terms of consumer expenditure
patterns. Each marketbasket item represented a specific group of
related expense items. Using CES data, we determined the relative
importance (weight) of each item. We compared the average price of each
marketbasket item in each allowance area with the average price in the
Washington, D.C., area. The price differences (expressed as indexes)
were aggregated based on the item, subcategory and category weighting,
resulting in a total Goods & Services component index at each income
level.
In 1991, OPM directed Runzheimer to include catalog pricing
(including applicable shipping costs) to reflect this common purchasing
option in allowance areas. OPM identified items to survey based on
comments received on the 1990 survey. Runzheimer identified items to
survey that were either unavailable or difficult to find in each
allowance area. Together, OPM and Runzheimer agreed to survey five
marketbasket items by catalog: For the 1992-1993 survey, OPM asked
Runzheimer to survey additional items by catalog; for example,
furniture. For this year's survey, Runzheimer has added additional
catalog items. For the 1992-1993 survey, Runzheimer found that the cost
to ship certain catalog items to Guam varied between catalog outlets.
With OPM's approval Runzheimer continued to price a private freight
company that specializes in shipments to Guam for shipping costs.
In each survey area, Runzheimer generally requested three price
quotes for each item (and sometimes more than three) from the local
economy--one from each of three different outlets. It should be
remembered that Hawaii County, Hawaii; Puerto Rico; and the Virgin
Islands each have two separate survey areas. Therefore, Runzheimer
generally doubled the number of price quotes obtained in these
allowance areas.
3.2 Marketbasket Research
3.2.1 Expenditure Research--Category Weightings
Ruzheimer tabulated the expense data from the 1988 Consumer
Expenditure Survey according to the ten categories of goods and
services. As in the component analysis, Runzheimer used the expense
data from the seven most appropriate income ranges as input into a
linear regression analysis. From that analysis, Runzheimer calculated
the category weightings for each income level as listed belows:
Category Weightings Expressed as a Percentage
------------------------------------------------------------------------
Category Lower Middle Upper
------------------------------------------------------------------------
Food at Home.............................. 25.52 22.38 19.35
Food Away from Home....................... 15.95 16.09 16.23
Tobacco................................... 3.13 2.54 1.96
Alcohol................................... 2.92 2.79 2.67
Furnishings & Hsld. Op.................... 14.35 15.95 17.49
Clothing.................................. 14.24 14.93 15.59
Domestic Service.......................... 1.78 1.79 1.81
Professional Services..................... 5.77 5.84 5.91
Personal Care............................. 3.57 3.47 3.38
Recreation................................ 12.77 14.22 15.61
-----------------------------
Totals.................................... 100.00 100.00 100.00
------------------------------------------------------------------------
3.2.2 Expenditure Research--Subcategory and Item Weightings
Runzheimer also drew upon the expense data from the 1988 CES to
determine proper subcategory and item weightings and to identify
marketbasket items. Logical groupings of family expenditures provided
the basis for subcategory and item weights. Unlike category weightings,
which vary by income level, subcategory and item weightings are
computed from national aggregate expenditures only (i.e., all three
income levels used the same set of subcategory and item weightings) as
this approach is most common in similar public and private sector cost-
of-living analyses.
Runzheimer's expenditure research process included procedures to
ensure that no marketbasket item had an overwhelmingly large or
insignificantly small item weighting.
3.3 Marketbasket Item Specifications
From each logical expense grouping, Runzheimer selected one or more
marketbasket items to represent all items in the grouping. When
selecting specific items for the marketbasket, Runzheimer worked to
satisfy these three criteria:
Items should be readily available in all locations if
possible or should be items of local significance.
Item price levels should logically represent the price
levels of unselected items in the ``logical grouping.''
Items should have the same or nearly the same application
in all locations.
Appendix 2 lists Runzheimer's marketbasket items. Once an item was
selected, Runzheimer's research analysts identified the specific brand
and/or model/size of each item available in all (or most) locations.
For some items, this involved contacting manufacturers, trade
associations, retail establishments, etc. For other items, isolating
specifications was quite straight forward because of their nature
(e.g., bread, nonprescription pain reliever). Appendix 3 identifies
changes in the current items selected for pricing in the Goods &
Services, Miscellaneous Expense, and Housing Related categories, along
with explanation for the changes.
3.3.1 Exchange and Commissary Expenditure Research
Runzheimer used the same marketbasket items to price commissaries
and exchanges as were used for the local pricings. We obtained one
price quote for each marketbasket item surveyed in these facilities.
Runzheimer did not assume that people with access to military
facilities made all purchases in these facilities. Instead, we used
OPM's 1980 Living Pattern Survey of federal employees to determine the
percentage of purchases that families typically make in military
facilities versus local outlets. For example, as the following table
shows, in Honolulu, 52.7% of Food at Home is purchased at a PX or
commissary. These percentages were used to aggregate the local and
commissary/exchange prices into one set of appropriate blended prices.
(The blended prices were compared to the local prices in the
Washington, DC, areas just as each allowance area's local prices were.)
Percentages of Purchases Made at PX/Commissaries
------------------------------------------------------------------------
Allowance Areas
Category --------------------------------
Guam Honolulu San Juan
------------------------------------------------------------------------
Food at Home........................... 70.0 52.7 29.1
Food Away.............................. 0.0 0.0 0.0
Tobacco................................ 64.0 84.0 65.0
Alcohol................................ 76.0 73.0 64.0
Furn. & Hsld. Op....................... 64.5 44.2 32.7
Clothing............................... 43.7 34.0 10.7
Domestic Service....................... 0.0 0.0 0.0
Professional Services.................. 0.0 0.0 0.0
Personal Care.......................... 49.3 33.3 7.3
Recreation............................. 49.7 32.7 15.7
------------------------------------------------------------------------
3.4 Goods & Services Data Collection Procedures
3.4.1 Data Collection Materials
The living-cost surveys conform with the provisions of the
Paperwork Reduction Act and are approved by the Office of Management
and Budget (OMB).
Runzheimer collected data with OMB-approved data collection
materials (see Appendix 5). All Runzheimer-developed worksheets
conformed to the OMB-approved materials.
3.4.2 Outlet Selection
Proper outlet selection is crucial to measuring living-cost
differences accurately because misjudgment can seriously affect survey
results. Runzheimer paid particular attention to choosing appropriate
outlets, focusing on three key guidelines to ensure proper outlet
selection.
First, for areas that had numerous outlets from which to choose,
Runzheimer identified targets in several different geographic areas.
For example, in the Washington, D.C., area, Runzheimer selected outlets
in and around six different geographic areas: that is, two areas in
Virginia, two in Maryland and two in the District of Columbia.
Runzheimer's second guideline was that for any one marketbasket
item, all outlets be similar in type. For example, wherever possible,
Runzheimer surveyed the prices of blue jeans at department stores,
hammers at hardware stores, and refrigerators at appliance stores.
Gathering prices for the same item from hardware stores in one area and
discount stores in another could have distorted price comparisons.
The last guideline involved the diversity of outlets in
Runzheimer's sample. We believe that pricing different items in
different types of outlets more accurately portrays living-cost
differences. For example, for efficiency, Runzheimer could have priced
all clothing items in department stores. However, to incorporate price
levels at other types of outlets that sell clothing items, whenever
possible, Runzheimer surveyed some items in men's and women's clothing
stores, some items in department stores, other items in shoe stores and
still other items in discount department stores.
Runzheimer's research analysts selected outlets on the basis of:
Personal experience of Runzheimer on-site research
associates and travelling researchers;
Informal telephone interviews with knowledgeable residents
in each area;
Yellow pages sections of area telephone books;
Area chambers of commerce and information bureaus; and
Experience gained from other surveys conducted by
Runzheimer.
Runzheimer obtains outlets from various sources because no one
source lists all outlets available. For example, in the allowance areas
especially, many outlets choose not to advertise in the yellow pages.
With new businesses constantly appearing (and old ones
disappearing), outlet selection will be an ongoing process. Also, one
can expect a portion of outlets to refuse to participate every year.
Therefore, updating Runzheimer's outlet sample is a necessary and
important part of each pricing survey.
An example of refining outlet selection for this year's survey is
the attention paid to defining the distinguishing differences between
restaurants categorized as appropriate for family dining and those
appropriate for fine dining. OPM developed a matrix which defined such
characteristics as menu selections, atmosphere, table setting, seating,
reservations, and AAA ratings. This allowed Runzheimer researchers to
compare apples to apples between the allowance areas and the
Washington, D.C., area. Also, OPM established guidelines directing
Runzheimer to survey 100% family restaurants for breakfast, roughly 75%
for lunch, and roughly 66% for dinner.
3.4.3 Special Considerations in Guam and Kauai
The effects of Typhoon Omar and Hurricane Iniki in 1992 on the
economies of Guam and Kauai, respectively, has been minimal over the
long term. At the time, Runzheimer officials worked with local research
associates to determine the impact of the storm on local prices.
This is not to say that the storms had no effect on the local
economies. Indeed, prices in these two areas for the 1993-1994 survey
have been re-examined carefully.
Of equal concern this year was the earthquake that rocked Guam
during August, causing considerable damage and seriously disrupting the
flow of fresh produce into the island. For a period of about two weeks,
all such produce had to be flown in at considerably higher cost.
Fortunately, when normal shipping channels reopened, ``normal'' pricing
was quickly restored, causing negligible affect on the Goods & Services
pricing. Also, a senior Runzheimer researcher from the headquarters
office traveled to Guam immediately following the earthquake to
determine the full extent of the impact on goods and services pricing.
3.5 Inclusion of Sales and Excise Taxes
For all items subject to sales tax, the appropriate amount of tax
was added prior to analysis. Runzheimer also included all applicable
sales, property and excise taxes to items that were part of other
living-cost components. For example, automobile purchase costs in
Puerto Rico include an excise tax based upon vehicle type and dealer's
acquisition cost. Runzheimer included this tax in computing the total
purchase price of a vehicle in Puerto Rico. (See sections 5.2.1 and
5.2.7.)
Runzheimer gathered applicable information on taxes by contacting
appropriate sources of information in the allowance areas, such as the
Excise Tax Officer of the St. Thomas Bureau of Internal Revenue.
Runzheimer also drew upon appropriate tax publications, such as the
State of Maryland's Sales and Use Tax Laws and Regulations and the
``General Excise Tax Law'' (Chapter 237) of the Hawaii Tax Reports.
3.6 Goods & Services Survey Results
In section 2.2 of this report, Runzheimer presented a detailed
explanation of the economic model used to analyze the price data. As it
applies to Goods & Services, the approach involved comparing the
average prices of marketbasket items in each allowance area with those
in the Washington, D.C., area. The resulting price ratios were
aggregated into subcategory and then category indexes using the
expenditure weightings derived from the 1988 CES.
In the area of professional services (accounting and legal fees),
Runzheimer and OPM noted the existence of a relatively few extreme
values that were either exceptionally low or high cost. In situations
such as this, statisticians frequently use the median or trim the data
in some manner to enhance reliability. Consequently, Runzheimer
recommended that the observations be ranked from low to high and that
the top and bottom 20% of the observations be ``trimmed'' (i.e.,
eliminated) from the data before averages or trends were calculated.
(Data were not trimmed if there were four or fewer observations.) OPM
agreed. These procedures reduce the influence of anomalies and make
survey results more stable from one year to the next.
Appendix 4 contains tables showing the ten category indexes, the
three weighting patterns, and the three total consumption Goods &
Services indexes for each allowance area. The Washington, D.C., area
does not require a table because it is, by definition, ``the reference
location'' where all category and component indexes equal 100.
4. Housing
4.1 Component Overview
The Housing component consists of expenses related to owning or
renting a dwelling. These include:
mortgage or rent payments,
utilities,
real estate taxes,
homeowner's or renter's insurance,
home maintenance, and
telephone.
At each of the three income levels, Runzheimer measured annual
housing costs under the two main housing categories: ownership and
rental.
4.2 Housing Model
4.2.1 Expenditure Research
Section 2.1.2.4 describes how Runzheimer analyzed the 1988 CES to
identify the portion of expenses attributable to each of the four
components. Runzheimer also used this survey to determine the national
average ratio of families who own, as opposed to rent, their
residences. Using the expense data from the seven most appropriate
income ranges as input into a linear regression analysis, Runzheimer
calculated own and rent weights:
Own/Rent Weightings
------------------------------------------------------------------------
Income Levels
--------------------------------------
Category Lower Middle Upper
(percent) (percent) (percent)
------------------------------------------------------------------------
Homeowner\1\..................... 37.10 46.91 62.86
Renter........................... 62.90 53.09 37.14
--------------------------------------
Totals....................... 100.00 100.00 100.00
------------------------------------------------------------------------
\1\With mortgage.
Runzheimer excluded expenditure data for homeowning families
without a mortgage because they were not typical of homeowners in the
base area or in the allowance areas with the largest concentrations of
federal employees.
The 1988 CES was also used to identify which home-maintenance items
to price and to establish the relative importance of those items.
4.2.2 Development of Housing Profiles
To compare housing costs accurately in all locations, Runzheimer
constructed a model to measure housing costs under six different
circumstances; that is, we identified six typical housing profiles and
matched these profiles to three income levels, as shown in the table
below. Runzheimer and OPM agreed that at least one criterion for the
owner profile should be the square footage of the home and at least one
criterion for the renter profile should be the number of bedrooms in
the rental unit. The profiles for homeowners and renters are:
Housing Profiles
------------------------------------------------------------------------
Income level Renter profile Owner profile
------------------------------------------------------------------------
Lower....................... 3-1-1 600\1\ sq. ft. 4-2-1 900 sq. ft.
apt.. Condo or detached
house.
Middle...................... 4-2-1 900 sq. ft. 5-3-1.5 1,300 sq.
apt.. ft. detached
house\2\
Upper....................... 4-2-2 or 5-3-2 1,100 7-3-2 1,700 sq. ft.
sq. ft. townhouse detached house.
or detached house.
------------------------------------------------------------------------
\1\Defined as ``Total rooms--Bedrooms--Baths and representative size.''
Total rooms excludes bathrooms, hallways, entrance areas, and closets
but includes bedrooms, living room, family room, kitchen, formal
dining room, and den/study. The representative size is roughly the
midpoint size for the range of housing surveyed at the income level.
\2\Row houses may be used in Northeast Washington, DC, where the
availability of single family detached homes is limited.
4.2.3 Living Community Selection
Runzheimer surveyed the same living communities and data sources
for the summer 1993 survey as it did for the 1992-1993 study with the
following exceptions:
broadened the housing survey for St. Croix, Virgin
Islands;
gathered comparable home-sale data from additional
appraisers in selected points in Maryland;
arranged for additional data sources for comparable home
sales at the upper income level in San Juan;
added a new on-line data source for comparable home-sale
prices for all the islands of Hawaii.
To gather data, our researchers contacted real estate brokers,
residential appraisers and other knowledgeable real estate
professionals in each area to obtain information on the predominant
age(s), size(s) and type(s) of housing in various communities and
housing subdivisions. When available and appropriate, Runzheimer
identified at least six communities (two at each income level) in each
allowance area. However, this goal was not achievable in some of the
smaller allowance areas. For the Washington, D.C., area, Runzheimer
selected at least nine communities (three at each income level) in
which to gather renter and homeowner data.
A table of living communities used for pricing can be found in
Appendix 6.
4.2.4 Identification and Quantification of Housing-Related Expenses
From the 1988 CES, Runzheimer identified and categorized housing-
related expense items into one of five groups:
utilities,
real estate taxes,
owners/renters insurance,
maintenance, and
telephone.
4.2.4.1 Utilities
For this study, Runzheimer classified electric, heat (oil or gas),
water and sewer as utilities. Although most utility companies had ready
access to current charges per unit of consumption and average
consumption patterns for all households, very few (if any) separated
consumption patterns by number of family members in a household or by
size/type of accommodation.
Runzheimer focused on average annual consumption experience per
household, gathering this information from utility companies serving
each allowance area and the Washington, D.C., area. Combining this
consumption data with current utility rates, Runzheimer computed
average annual utility costs for each of electric, gas or oil
(whichever Runzheimer found to be more widely used, if used at all),
water and sewer. Runzheimer then assigned this average consumption
pattern to the homeowner profile at the middle income level.
Because some utility costs vary by size of house and yard,
Runzheimer calculated a multiplier consistent with the standard home
sizes to arrive at utility rates for the other five profiles. The table
below shows the standard sizes and utility factors for each profile.
The standard sizes roughly equate to the reference size of each
profile. The formula to calculate each multiplier was:
Multiplier = 1+(.5 x (Standard square feet--1300)/1300)
The resulting utility multipliers are:
Utility Multipliers
----------------------------------------------------------------------------------------------------------------
Renter profile Owner profile
Income level ---------------------------------------------------------------------------
Square feet Multiplier Square feet Multiplier
----------------------------------------------------------------------------------------------------------------
Lower............................... 600 .73 900 .85
Middle.............................. 900 .85 1,300 1.00
Upper............................... 1,100 .92 1,700 1.15
----------------------------------------------------------------------------------------------------------------
4.2.4.2 Real Estate Taxes
For this study, Runzheimer contacted the city assessor in each
allowance area to obtain real estate tax information on the selected
living communities. (See Appendix 6 for a listing of the communities.)
Real estate tax formulas were obtained for most living communities;
however, Runzheimer's researchers found that in San Juan, PR, the
formulas do not always translate into the actual taxes paid by typical
property owners.
Therefore, in San Juan, Runzheimer undertook a comparative study of
current actual taxes paid by homeowners and their current home values.
Runzheimer then developed an average ratio for taxes paid to current
home values. This ratio was applied to the average home value in that
community to obtain an average real estate tax amount for the desired
homeowner profile.
4.2.4.3 Owners/Renters Insurance
As it did for previous surveys, Runzheimer undertook to gather
insurance-rate information for the allowance areas for both renter and
owner profiles. These rates represent coverage for structure and
contents for homeowners but contents only for renters.
Previous research conducted by Runzheimer, at the request of OPM,
found that insurance coverage for disasters, such as floods and
earthquakes, is not commonly purchased by allowance area residents.
Consequently, Runzheimer, with the concurrence of OPM, does not
consider these additional riders. (See Report to OPM on Living Costs in
Selected NonForeign Areas and in the Washington-D.C., Area, June 1992
at 57 FR 58556). Runzheimer notes, however, that OPM is reviewing the
results of the Federal Employee Housing and Living Patterns Survey as
they apply to this issue.
4.2.4.4 Maintenance
Many factors were involved in measuring the cost of maintaining a
home, including area climate, architecture and building materials, and
the cost of maintenance materials and labor. As it did for the previous
survey, Runzheimer priced such household maintenance commodities as
fire extinguisher, bathroom caulking and kitchen faucet. Pest control
service was priced in each allowance area surveyed.
Runzheimer developed maintenance costs based on the cost of
maintenance materials and labor rates in each area. Runzheimer's
approach to maintenance was the same as the approach to goods and
services, as explained below.
Runzheimer used expenditure data from the 1988 CES to identify the
national average home-maintenance expense, the maintenance items to
survey, and the appropriate item weighting. Because most, if not all,
maintenance items were included in rent, maintenance costs were not
added in the three renter profiles.
To compute home-maintenance cost differences between each allowance
area and the Washington, DC, area for the homeowner profiles,
Runzheimer obtained prices for selected building materials and labor
rates for maintenance work. For each area, Runzheimer computed the
relative cost (i.e., an index) for each maintenance item compared to
the cost of that item in the DC area. As with Goods & Services, the
results of the nationwide CES were used to weight these maintenance
indexes into an overall index for each area.
To combine maintenance indexes with the other homeowner costs,
which were expressed in dollar amounts, Runzheimer converted the
indexes to dollars. To do this, Runzheimer multiplied the maintenance
cost index for each area by the CES nationwide average maintenance cost
and assigned that cost to the middle-income homeowner profile.
Logically, maintenance costs for larger homes would be greater than
costs for middle-sized homes, while costs for smaller homes would be
less. Therefore, in this study, Runzheimer applied the same homeowner
multipliers used in the utilities model for the lower and upper income
profiles (.85 and 1.15 respectively) to recognize differences in
maintenance costs due to house size.
4.2.4.5 Telephone
Telephone expenses consisted of local service charges, possible
additional charges for local calls, and charges for long distance
calls. To measure estimated expenses for local service and local calls,
where available, Runzheimer surveyed the cost of touch-tone service
with unlimited calling.
To estimate long distance charges in all areas, Runzheimer surveyed
the cost of three ten-minute direct dial calls per month to large U.S.
mainland cities (i.e., Los Angeles, Chicago, and New York City).
Runzheimer measured the price of a call placed in the survey area at
the time of day necessary to be received in the respective city at 8:00
p.m. local time. In many areas, this resulted in pricing a combination
of daytime and evening-rate calls.
4.3 Housing Data Collection Procedures
As was done in previous years, Runzheimer collected housing
information from a variety of sources. Also as in previous years,
Runzheimer research personnel traveled to profiled communities in the
allowance areas to observe first hand the comparability of homes in one
area versus another and the appropriateness of individual housing units
for the profiled income level.
Last year, OPM modified the contract to require several additional
steps to increase the quantity and quality of housing data collected.
These extra steps were incorporated again this year and included
purchasing data from additional real estate listing services, making
greater use of assessor's records when other data were not available,
and contacting more real estate professionals to obtain additional home
sales, rental data, and market trend information.
4.3.1 Homeowner Data Collection
In the homeowner data-gathering phase, Runzheimer obtained sale
prices of homes (called ``comparable sales'') in the area that matched
the housing profiles. In the communities that were identified (see
section 4.2.3), Runzheimer tried to obtain all the comparable sales
during the 6-month period prior to the date of the survey. For the
surveys covered in this report, the home sales pricing period was
January 1993 through July 1993.
As was done last year, Runzheimer contacted knowledgeable and
helpful real estate professionals in each location and/or used real
estate sales data and listing services. The amount of data obtained
depended on the number of home sales in the community and the
availability of square footage and other information. This in turn
depended on the size of the community, the economic conditions, the
quality and quantity of the realty data available, and the willingness
and ability of local realty professionals and assessor offices to
provide data. If the comparable sales data obtained from the first data
sources were insufficient, Runzheimer contacted additional data sources
in the area to attempt to secure more sales data, if practical.
4.3.2 Renter Data Collection
In some cases, the same Realtors and brokers who assisted in our
profiling phase were very active in the rental markets as well. When
this occurred, Runzheimer obtained current rental rates and fees for
our profiled apartments, townhouses, and houses from these sources.
Runzheimer also contacted rental management firms that operate
apartment complexes matching the profile specifications. In large
metropolitan areas, such as the Washington, D.C., area where rental
complexes abound, our housing analysts conducted telephone surveys to
obtain current rental information.
OPM modified the contract last year to expand the level of effort
that Runzheimer expended in the collection of housing data. The result
both last year and this year was a marked increase in the quantity of
housing data collected for both rentals and sales.
Rental data were obtained from a variety of sources, e.g., brokers,
property managers, newspaper advertisements, and others. Analyses of
these data indicated that there are two separate rental markets--a
broker market and a non-broker market. Rental rates and estimates
provided by brokers generally exceed those obtained from other sources.
In each area, the quantity of data obtained from either source-type
varies significantly. Therefore, analyzing all of the rental data (both
broker and non-broker) together for an area and income level is
undesirable. Because OPM has no information on how federal employees
who rent generally secure their lodgings, Runzheimer applied equal
weights to the broker and non-broker data to compute the overall
average rental rate for the area and income level. (See Appendix 9B.)
4.4 Housing Analysis
4.4.1 Homeowner Data Analysis
One of the most important factors relating to the price of a home
is the number of square feet of living space. For each income profile
in each allowance area and the Washington, D.C., area, Runzheimer
computed that average price per square foot for the comparables. Except
as noted below, Runzheimer used this value times the reference square
footage for the profile to determine the average home value for the
profile.
Runzheimer experienced difficulties in obtaining housing data in
some areas. For example, despite several efforts to obtain more
detailed information from various sources, Runzheimer was able to
obtain very few comparable sales with square footage information for
home sales in Mayaguez. Also, as noted earlier in this report, OPM
elected to combine the St. Croix and St Thomas data to address concerns
about the number of home-sale observations obtained in the Virgin
Islands.
4.4.1.1 Data Trimming
Based on experience from the previous home-pricing surveys, last
year OPM modified the living-cost model as it applied to the analysis
of housing data. The modifications allowed the use of housing costs
trend data as well as current housing costs in the analysis of owner
and renter living costs. These analyses are consistent with section
591.205(b)(3) of title 5, Code of Federal Regulations, and result in
improved housing data results.
One of the modifications involves ``trimming'' the observations.
Runzheimer and OPM noted that a relatively few extreme values (values
that were either exceptionally low or high cost) could have a
significant influence on the average housing costs observed at an
income level within an area. Including these extreme values had the
potential to cause results to vary erratically from one year to the
next.
In situations such as this, statisticians frequently use the median
or trim the data in some manner to reduce its volatility. The use of
the median home value was not desirable because some areas had
relatively sparse data at one or more income levels. This could make
the median unstable from one year to the next.
Last year Runzheimer recommended, and OPM agreed, that the
observations be ranked from low to high on the basis of the cost per
square foot and that the top and bottom 20% of the observations be
``trimmed'' (i.e., eliminated) from the data before averages or trends
were calculated. (Data were not trimmed if there were four or fewer
observations.) These procedures reduce the influence of home sales
anomalies and make survey results more stable from one year to the
next.
4.4.1.2 Special Considerations
The new procedures also involved analyzing data in a more thorough
and integrated manner. The procedures required analyzing the current
housing survey data, analyzing the trends observed when these data were
compared with the previous survey's data, and comparing these trends
with the views obtained from real estate professionals in the area. How
and which data were used depended on the quality and quantity of data
collected and how the trends observed agreed among income levels and
with the views of local real estate professionals. These procedures are
discussed below.
Runzheimer sought to gather all of the appropriate comparable sales
data available in each area. As a minimum, Runzheimer sought to obtain
10 Realtor sales per community per income level or 20 per income level
per area. In many areas, the sales data exceeded the minimum.
If the minimum number could not be obtained or if highly divergent
trend data were observed among income levels in the area or as compared
with the views of local real estate professionals, additional analyses
were performed. These analyses were:
1. If the current data were significantly better than the previous
data (e.g., greater in quantity or more consistent), the current data
were used to the extent practical.
2. If at least three observations at each income level were
available, and the previous data were better than the current data or
the previous and current data were of equivalent quality, the change
(i.e., trend) in the average price was used to update the previous
data. This was done using one of the following procedures, depending on
the situation:
a. If data problems occurred at one income level only, the average
rate of change at the other two income levels was used to adjust the
previous prices for the affected income level.
b. If data problems occurred in two income levels, the rate of
change observed at the non-problem income level was used to adjust the
previous prices for the two affected income levels.
c. If data problems occurred at all income levels, the average rate
of change observed at all three income levels was used to adjust the
previous prices at all income levels.
3. If fewer than three observations were available at any income
and/or the data quality was questionable at all levels, all three
levels of current and previous survey data were merged. These data were
then analyzed by applying the procedures described in section 4.4.1.1
above to each set of merged data, and the average cost per square foot
was computed for each set of data and compared to estimate the overall
change in the area. This overall change was applied to the previous
average costs by income level to determine the current costs at each
income level for the area.
The areas for which these procedures were applied and the
calculations used are found in Appendix 9A.
4.4.2 Rental Data Analysis
Runzheimer assigned each rental quote data point to a single income
level, based on these criteria:
Assign one bedroom apartments to the lower income level.
Assign two bedroom apartments to the middle income level.
Assign townhouses and detached houses with a minimum of
two bedrooms to the upper income level.
4.4.2.1 Data Trimming and Special Analyses
In the analysis of rental data, Runzheimer applied the same
procedures used to trim the home sales data (see section 4.4.1.1)
except that data were ranked on the basis of monthly rental rates, not
cost per square foot. Also, as with home sales analyses, special
analyses were applied to rental data when the data where sparse or
highly divergent trends were observed among income levels. These
analyses were the same as those applied to home sales data (see section
4.4.1.2) except that if data were merged, overall estimates were based
on monthly rental rates, not the cost per square foot. (See Appendix 9B
for these analyses.)
4.4.3 Analysis of Housing-Related Expenses
Because section 4.2.4 covers the identification and quantification
of housing-related expenses, these topics are not repeated here.
However, it should be noted that Runzheimer incorporated home sale
prices from this study into the calculations of real estate taxes and
homeowner's insurance, which depend upon the value of the home.
4.5 Housing Survey Results
In the above sections, Runzheimer describes how it measured the
costs for maintenance, insurance, utilities, real estate taxes, rents,
and homeowner mortgages. Appendix 7 shows the cost of each of these
items, for renters and homeowners separately, in each allowance area
and in the Washington, D.C., area. For Hawaii County, Hawaii; Puerto
Rico; and the Virgin Islands, these costs are shown separately for each
of the survey areas within the allowance area.
Appendix 8 compares the total cost of these items in each allowance
area with the total cost of the same items in the Washington, D.C.,
area. Again, there are separate comparisons for renters and homeowners.
The final housing-cost comparisons take the form of indexes that
are used in Appendix 14 to derive the total, overall index for owners
and renters. (Refer to section 2.2 for a discussion of the general
formulae and how the component indexes are combined.)
5. Transportation
5.1 Component Overview
The Transportation component consisted of expenses related to
private and public transportation. The private transportation category
contained expenses related to owning and operating a vehicle in each
area. The public transportation category focused on the cost of air
fares from each location to a common point within the contiguous 48
states.
As in previous surveys, Runzheimer used national average
expenditure data to combine the private and public transportation
relative cost differences between each allowance area and the
Washington, D.C., area to arrive at a total Transportation component
index.
5.2 Private Transportation Methodology
Runzheimer determined that an accurate and reasonable approach to
measure transportation costs was to select and analyze three commonly
driven vehicles (a domestic auto, an import auto and a utility vehicle)
in all areas.
New vehicles were the basis for developing the transportation-cost
calculations. Although Runzheimer could have developed costs from the
premise that ``identical'' used vehicle would be purchased from auto
dealers in each location, Runzheimer believed that costing new vehicles
reduced the potential for inconsistencies due to value judgments
concerning used vehicles.
5.2.1 Vehicle Selection and Pricing
As mentioned above, Runzheimer selected and priced a domestic auto,
an import auto, and a utility vehicle as the basic vehicle types to
cost in all locations. We based our selection of these vehicle types on
their popularity in the United States as demonstrated by owner
registration data.
To select a specific make and model within each vehicle type,
Runzheimer identified the top-selling models in each car class. For
these models, Runzheimer's research associates collected new vehicle
prices.
At each auto dealership in the sample, Runzheimer recorded the
suggested retail prices of the three vehicles plus any additional
charges, such as shipping, excise tax, dealer prep, and additional
dealer markup. Runzheimer used the suggested retail prices (not
negotiated prices) in the analysis. Runzheimer also included
documentation fees as part of the new-vehicle costs in Hawaii.
Contacted dealerships explain that a documentation fee is charged on a
new-car purchase to cover paperwork costs. Runzheimer did not include a
fee for the Washington, D.C., area and other tropical areas because
dealers in those areas do not typically charge a documentation fee.
The three vehicles selected for analysis were:
Domestic Vehicle--Ford Taurus GL 4-door sedan 3.0L 6cyl
Utility Vehicle--Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl
Import Vehicle--Honda Civic DX 4-door sedan 1.5L 4 cyl
Runzheimer priced 1993 models in this survey. All vehicles were
equipped with standard options, such as automatic transmission, AM/FM
stereo radio and air conditioning.
Car dealers in the Washington, D.C., area do not recommend vehicle
rustproofing. However, it is suggested or recommended in allowance
areas. Therefore, we include rustproofing as an add-on in all allowance
areas, but not in the Washington, D.C., area.
5.2.2 Vehicle Trade Cycle
Calculating the cost to own and operate a vehicle requires that two
important factors be determined: miles driven and time period of
ownership. In the automobile industry, these two factors are known
collectively as a vehicle's ``trade cycle.'' The trade cycle is stated
as a length of time either in months or years, and the total number of
miles driven in that time period (e.g., four-year, 60,000-mile trade
cycle). This information is required to compute annual costs related to
fuel, oil, tires, maintenance and depreciation.
Conforming with previous living-cost reports, Runzheimer used a
four-year 60,000-mile trade cycle in all areas based upon the following
information:
The Internal Revenue Service has used this trade cycle for
many years to compute the allowable cents-per-mile reimbursement rate
for persons who drive their personal vehicle for business purposes.
The four-year time period coincides with the typical
length of a vehicle loan.
U.S. Department of Energy statistics for 1988 show that
the U.S. average for number of vehicles miles driven was: 18,595 per
household and 10,246 miles per vehicle.
Runzheimer has been unable to find conclusive statistics on average
annual miles driven per vehicle in any allowance area. In the past,
Runzheimer contacted car dealers to obtain their observations on
average odometer mileage on trade-in vehicles.
From the opinions gathered, we concluded that, in most cases, the
average annual miles driven in allowance locations appeared to be less
than or equal to 15,000. In the Washington, D.C., area, the opinions of
those contacted indicated an average annual mileage of 15,000 or more.
Therefore, without definitive statistics to prove otherwise, Runzheimer
set a standard used in all reports to date of 15,000 miles per year,
which results in a four-year, 60,000-mile trade cycle.
5.2.3 Fuel Performance and Type
To establish average fuel-performance ratings, Runzheimer selected
the ``city driving'' figures published by the Environmental Protection
Agency (EPA). Runzheimer chose the ``city'' instead of ``highway''
figures because all locations contained considerable stop-and-go
driving conditions. All vehicles included in this study used regular
unleaded fuel. Runzheimer obtained self-service cash prices at branded
stations only, and substituted full-service when self-service was not
available or only non-branded stations were available.
As in its second report to OPM, Runzheimer has included in its
analysis a number of fuel-performance factors; specifically,
temperature, road surface, and gradient. Based on our research of these
three factors, Runzheimer analysts developed fuel-performance
adjustment percentages in each allowance area.
5.2.3.1 Impact of Temperature upon Fuel Performance
Runzheimer consulted two published sources to develop its
adjustment percentages for this fuel-efficiency factor: Passenger Car
Fuel Economy: EPA and Road and The Weather Almanac (Ruffner & Blair).
Miles-per-gallon performance varies by ambient temperature. The lower
the temperature, the fewer miles-per-gallon achieved and vice versa. In
the EPA study, the temperature at which no adjustments to fuel
performance occur is 77 deg. F. Below that temperature, miles-per-
gallon achieved drops; above 77 deg., miles-per-gallon achieved
improves. To measure the effect temperature has on miles-per-gallon for
each allowance area, Runzheimer research average monthly temperatures
as reported in The Weather Almanac.
In each location and for each month, Runzheimer assigned the
appropriate shortfall factor from the EPA study based on the average
monthly temperature for each given location. After assigning factors to
each month, Runzheimer averaged the twelve factors for each location.
The results of these calculations are shown in section 5.2.3.4.
5.2.3.2 Impact of Road Surface upon Fuel Performance
For its analysis, Runzheimer assumed that federally controlled
roadways are typically composed of concrete and/or high-load asphalt
and that locally controlled roadways are typically composed of low-load
asphalt. EPA's research indicates that cars are generally more fuel-
efficient on the firmer, high-load surfaces than on the softer, low-
load surfaces.
Although traffic patterns and road usage certainly vary among
areas, Runzheimer could find no relevant studies of these issues.
Therefore, Runzheimer assumed that federally controlled roadways
generally support twice the traffic of or are used at least twice as
much as locally controlled roadways.
In each allowance area, Runzheimer researched the total mileage
falling into either the federal or local categories. For example,
Hawaii contains 1,456 miles of federally controlled roads and 2,606
miles of locally controlled roads. The usage assumption allowed
Runzheimer to increase federal road mileage by a factor of two.
Runzheimer applied the average low-load asphalt factor (which
reflects dry, wet, and snowy conditions) to the local mileage
percentage and the average concrete and/or high-load asphalt factor to
the federal mileage percentage to create a weighted average factor for
each area. The weighted factor for the allowance areas surveyed was
0.98. The Washington, D.C., area was assigned a factor of 1.00 on the
premise that the vast majority of traffic in that area travels on dry,
high-load surfaces. (See section 5.2.3.4 for application of this factor
in estimating overall MPG.)
5.2.3.3 Impact of Gradient upon Fuel Performance
Runzheimer consulted EPA's Passenger Car Fuel Economy: EPA and Road
to determine the effect of local topography (i.e. gradient) upon fuel
efficiency. EPA provides mileage factors based upon various gradients
ranging from less than 0.5% (essentially flat) to greater than 6%
(steep).
Runzheimer reviewed the topographic features of each area and found
a wide range of road conditions. However, Runzheimer was unable to find
information on the types of terrain drivers typically encounter in each
area or the number of miles drivers travel in each type of terrain.
Lacking such information, Runzheimer assumed that drivers in the
allowance areas generally travel roads having approximately the same
gradients that are found on average in the United States. Applying the
information from EPA's research, Runzheimer computed a fuel-performance
factor of 0.981 for this type of driving. This factor was assigned to
each allowance area. Runzheimer assigned a factor of 1.00 to the
Washington, D.C., area on the premise that the vast majority of traffic
in that area travels on major freeways and highways that are relatively
flat. (See section 5.2.3.4 for application of this factor in estimating
overall fuel efficiency.)
5.2.3.4 Overall Impact upon Fuel Performance
Runzheimer applied the results of the analyses described above to
``localize'' or make geographically sensitive adjustments to the EPA
average ratings and establish reasonable fuel-performance ratings for
each allowance area.
In the table below, the factor 1.00 means that no adjustment to EPA
fuel performance is appropriate. A factor of less than 1.00 means that
the estimated gasoline mileage in the area is less than the EPA
average. For example, the total adjustment factor for Guam is 0.95.
This means that the estimated gasoline mileage in Guam is 95% of the
EPA estimated average. Note that the adjustment factor for the
Washington, D.C., area (0.94) indicates that average gasoline mileage
in that area is below the EPA estimate also.
Summary of Fuel-Performance Adjustments
------------------------------------------------------------------------
Road
Location Temperature Surface Gradient Total
------------------------------------------------------------------------
Hawaii....................... 0.99 0.98 0.98 0.95
Guam......................... .99 .98 .98 .95
Puerto Rico.................. 1.01 .98 .98 .97
Virgin Islands............... 1.01 .98 .98 .97
Washington, D.C.............. .94 1.00 1.00 .94
------------------------------------------------------------------------
Note: These adjustments compound. That is, the Total adjustment is the
result of multiplying the three individual factors together for each
location/area.
5.2.4 Vehicle Maintenance
With OPM's concurrence, Runzheimer selected the five most common
maintenance service/repair jobs performed on vehicles as the basis for
vehicle maintenance analysis:
tune-up,
oil change,
automatic transmission fluid change,
flush/fill coolant, and
muffler installation.
Automobile manufacturers' recommended maintenance schedules were
used to determine the frequency of performing each of these maintenance
jobs. Maintenance schedules vary, depending on the driving conditions
typically encountered. Consistent with the assumptions used for fuel
economy and tire mileage, Runzheimer assumed that driving conditions in
the allowance areas were generally severe and used the maintenance
schedules that reflected that kind of driving. For the D.C. area,
Runzheimer assumed that driving conditions were normal and used the
maintenance schedules that reflected that kind of driving.
The recommended frequency of performing each of these jobs was
combined with the prices charged by local dealers and service stations
to compute an estimated annual maintenance expense.
For this year's survey, Runzheimer collected specific parts costs
and hourly labor costs in each location, three prices per item, per
location. Runzheimer used Chilton's Labor Guide and Parts Manual to
determine service times for each maintenance procedure, and used only
one service time per maintenance procedure. This will result in more
uniform prices within each location.
5.2.5 Tires
Research previously conducted by Runzheimer for OPM (see the June
1992 report) revealed that various factors (e.g., road quality/state of
repair, road composition) caused tread life (the average number of
miles a tire is expected to last) to be less in allowance areas than in
the Washington, D.C. area. Based on these findings, Runzheimer based
tire expenses on a 40,000-mile tread-life in allowance areas, and a
55,000-mile tread-life in the Washington, D.C., area.
5.2.6 License and Registration Fees, and Miscellaneous Tax
Runzheimer obtained information regarding appropriate license and
registration fees, and miscellaneous taxes (i.e., personal property tax
and motor vehicle registration tax) from each area. One-time fees and
miscellaneous taxes were divided equally over each vehicle's four-year
trade cycle. Sales and excise taxes were included in the purchase price
of each vehicle (see section 5.2.7.). Ongoing fees and taxes were
included as part of the annual costs.
5.2.7 Depreciation
From Runzheimer's experience, the single largest annual expense
related to owning and operating newer vehicles is vehicle depreciation,
the lost value of the vehicle as it ages and is driven. To calculate
average annual depreciation, Runzheimer divides the difference between
the purchase price and the residual value by the number of years the
vehicle is owned.
In the depreciation equation, Runzheimer used suggested retail
prices, plus any additional charges, such as shipping, excise tax,
dealer prep, and additional dealer markup. (Runzheimer did not believe
that negotiated prices could be collected on an equitable basis.) As
discussed earlier, the trade cycle was determined to be four years,
60,000 miles. Runzheimer research indicated that residual values were
the same in all areas. This research effort is explained below.
Runzheimer is aware that several firms and associations track and
publish weekly or monthly used-car and used-truck wholesale auction
prices. Some firms even publish projections of the future value of
today's new vehicles. Most publications provide several residual values
for each vehicle, depending on its condition at the time of trade-in
(e.g., clean, average, rough). Several common publications of this type
are Black Book, Kelley Blue Book, Automotive Market Report, and NADA
National Automobile Dealers Association). Unfortunately, these sources
only track prices for vehicles sold in the contiguous 48 states and
then publish broad-based average residual values for each vehicle.
To get specific information from sources knowledgeable about the
used vehicle markets in allowance areas, Runzheimer contacted auto
dealers and financial institutions in these areas. Most of the sources
with whom Runzheimer spoke said that they used the above-mentioned
publications as guides, just as dealers and financial institutions
across the United States used them.
Runzheimer found no conclusive evidence that used vehicles in
allowance areas were (on average) worth more or less than used vehicles
in the Washington, D.C., area. Therefore, we reported the same used
vehicle prices in all areas. An appropriate and logical source for
these values was the April 1993 issue of Black Book Official Finance/
Lease Guide for 1993 vehicles.
It should be noted for clarification that identical residual values
did not translate into identical depreciation amounts in all locations.
Depreciation amounts were higher in allowance areas than in the
Washington, D.C., area because new vehicle prices in all allowance
areas were higher. For example, new vehicle prices in Puerto Rico
averaged 50% more than Washington, D.C., prices.
5.2.8 Finance Expense
Runzheimer included the average annual cost of financing a vehicle
in the total cost of private transportation. Runzheimer surveyed
automobile dealerships in Puerto Rico and banks in all other areas for
their auto-loan interest rates, using a 48-month loan length with 80%
financing as the basis in all locations.
5.2.9 Vehicle Insurance
Runzheimer measured the cost of auto insurance in each location. To
determine the type of coverage to price, Runzheimer contacted insurance
agents in each area to obtain information on the typical policy. Listed
below are the most common coverages, limits, and deductibles for the
surveyed living-cost areas.
Bodily Injury--$100,000/$300,000
Property Damage--$50,000
Medical--$5,000
Uninsured Motorist--$100,000/$300,000
Comprehensive--$100 Deductible
Collision--$250 Deductible
Runzheimer found that insurance companies in Guam, Puerto Rico, and
the Virgin Islands provide slightly different limits and deductibles
than those listed above; therefore, Runzheimer and OPM agreed to
incorporate the premiums associated with these different limits and
deductibles into the indexes.
To do this, Runzheimer surveyed in the D.C. area the price of
insurance policies that were equivalent to the policy offered in the
allowance area. From this comparison, Runzheimer computed an index that
was applied to the price of the typical policy surveyed in the
Washington, DC, area. By applying this factor to the average price in
the D.C. area, Runzheimer was able to estimate the cost of equivalent
coverage in the allowance area. (See Appendix 10B.)
In all areas, Runzheimer attempted to identify the most ``popular''
automobile insurance companies by analyzing market-share reports
compiled by an industry rating bureau. The policy described above was
then priced again this year for each location. Two or three price
quotes were obtained for each area, totalled for each area, and
averaged together to produce the final number for this component in
each allowance area.
5.3 Public Transportation Methodology
As was done last year, Runzheimer surveyed the cost of air fares as
they relate to recreational travel. Runzheimer priced the lowest
available round-trip air fare from each allowance area and the
Washington, D.C., area to Los Angeles, California. Los Angeles was
selected because it is a common point approximately equidistant from
most of the allowance areas and the Washington, D.C., area. The cost of
the trip from each allowance area to Los Angeles was compared with the
cost of the trip from the Washington, D.C., area to Los Angeles to
compute the public transportation category indexes. (See Appendix 11.)
5.4 Transportation Survey Results
Runzheimer measured the costs for fuel, maintenance and oil, tires,
licensing, taxes, depreciation, finance, and insurance for three types
of automobiles in each allowance area and in the Washington, D.C., area
to determine typical private transportation costs. Appendix 10A shows
the cost of each of these items in each area. As with the housing
costs, private transportation costs for Hawaii County, Puerto Rico, and
the Virgin Islands, are shown separately for each of the survey areas
within these allowance areas. These data are combined to produce
composite costs for each allowance area using the respective federal
employment distributions. (See sections 2.5 and 2.6 for a discussion of
employment weighting in these two areas.)
Appendix 11 compares the total cost of the private transportation
items for each vehicle in each allowance area with the total cost of
the same items in the Washington, D.C., area. Appendix 11 also shows
how the private and public transportation indexes were combined using
expenditure weights derived from the CES data to produce final
transportation indexes.
The final transportation indexes are used in Appendix 14 to derive
the total overall index. (Refer to section 2.2 for a discussion of the
general formulae and how the component indexes are combined.)
6. Miscellaneous Expenses
6.1 Component Overview
The Miscellaneous Expense component consists primarily of four
unrelated groups of expenses:
Medical care,
Contributions (including gifts to non-family members),
Personal insurance, and
Savings and investments (including pensions).
Runzheimer believes that certain miscellaneous expense items should
not affect living-cost differences between locations. For example,
Runzheimer considers charitable contributions a personal choice, so we
include this expenditure as a constant amount in all locations. Based
on research into all of the expenses of this component, Runzheimer also
regards expenses related to personal insurance, savings and
investments, and pensions as constants, for reasons discussed in
section 6.2.2.
To measure the miscellaneous expenses, Runzheimer constructed a
pricing methodology similar to the one used in the Goods & Services
component. Runzheimer selected representative items for medical care,
priced them in all areas, and then computed a Miscellaneous Expense
component index based on the relative importance of costed items/
categories held constant.
6.2 Miscellaneous Expense Model
6.2.1 Expenditure Research
From the 1988 CES, Runzheimer tabulated the miscellaneous expense
data into logical expense groupings and then determined the appropriate
item weighting. The table on the following page lists the categories
that Runzheimer selected to price and their weights:
Miscellaneous Expense Categories & Weights
------------------------------------------------------------------------
Income level
--------------------------------
Categories Lower Middle
(percent) (percent) Upper
(percent)
------------------------------------------------------------------------
Medical Care........................... 43.41 31.56 22.40
Contributions (including gifts)\1\..... 12.38 14.90 16.85
Personal Insurance & Pensions\1\....... 44.21 53.54 60.75
--------------------------------
Totals........................... 100.00 100.00 100.00
------------------------------------------------------------------------
\1\Held constant.
6.2.2 Miscellaneous Expense Methodology
As stated in section 2.2, Runzheimer used the Laspeyres indexing
methodology to compute the Miscellaneous Expense component index. For
groups of items held constant, the model assumed a price ratio between
the allowance area and the Washington, D.C., area equal to 100.00%.
Runzheimer defined personal insurance and pensions as the portion
of a family's budget that was targeted for long-term financial
security. This is consistent with the definitions used by the CES, the
results of which are used as weights in the COLA model. In the CES,
money stored in a savings account or investment vehicle for future
expenditures (of goods and services, housing, or transportation) is
accounted for in the other component weightings.
In section 6.1, we noted that expenses related to personal
insurance were held constant for all locations. This was based on
information received from life insurance companies and OPM officials.
The life insurance companies contacted indicated that policies written
(and premiums charged) to persons within the United States and its
territories did not vary due to location. Runzheimer's research and
discussions with OPM officials also indicated that, in general, federal
employees in all areas received similar or identical benefits
packages--variations are generally due to personal preference.
Therefore, Runzheimer believed, and OPM concurred, that holding these
types of expenses constant was appropriate.
6.3 Miscellaneous Expense Data Collection Procedures
Medical care items were surveyed consistent with the approach used
in the Goods & Services component. For quality-control purposes,
Runzheimer used its in-house research staff to conduct much of this
survey.
The following medical-care items were priced in each allowance area
and in the Washington, D.C., area:
Nonprescription pain reliever.
Prescription drugs.
Vision check.
Dental service.
Doctor visit.
Hospital room.
Health insurance.
Runzheimer computed a Medical Care subcategory price index for each
item in each allowance area by comparing each local average price with
the Washington, D.C., area average prices. These indexes were combined
using weights derived from the CES to compute a Medical Care
subcategory index for each allowance area.
6.4 Miscellaneous Expense Survey Results
Appendix 12 contains the results of Runzheimer's data collection
and index calculations. As the appendix shows, the relative costs of
the majority of the items in the Miscellaneous Component are based on
surveyed prices. Therefore, the Miscellaneous Component index reflects
living-cost differences among areas. The cost of only two items--life
insurance/pensions and contributions--does not differ among areas.
Although these two items together have a significant weight, one should
keep in mind that the Miscellaneous Component has the smallest weight
of the four components.
Section 2.2 describes how the Miscellaneous Expense component
indexes are combined with the other component indexes to derive the
final index for each area.
7. Final Results
7.1 Total Comparative Cost Indexes
The total comparative cost indexes appear below. Appendix 14 shows
how each index was derived from the component indexes.
Final Cost Comparison Indexes
------------------------------------------------------------------------
Commissary
Allowance area Local and
pricing exchange
------------------------------------------------------------------------
City & Cnty of Honolulu, Hawaii................... 122.90 120.26
Hawaii Cnty, Hawaii............................... 109.63 NA
Kauai Cnty, Hawaii................................ 119.27 NA
Maui Cnty, Hawaii................................. 119.32 NA
Guam, CNMI\1\..................................... 122.25 120.81
Puerto Rico....................................... 103.00 102.17
U.S. Virgin Islands............................... 117.81 NA
------------------------------------------------------------------------
\1\Commonwealth of the Northern Mariana Islands.
NA=Not Applicable.
7.2 General Comments
Runzheimer's primary goal throughout its work on each study has
been to bring fairness and accuracy to the results. The scope of this
multi-year engagement has become more comprehensive by virtue of
special research projects, seasonal pricings, expanded marketbasket
pricings and other efforts. Runzheimer believes that living-cost
research is a dynamic process, not a static one, and that fresh
research and analysis will enhance further the quality of the survey
and the findings. Moreover, we believe that planned, ongoing
interaction with OPM will aid the process and improve accuracy.
7.3 Recommendations
As noted earlier in this report, Runzheimer and OPM are researching
the issue of including income taxes in the living-cost surveys and
analyses. We believe that the research will show that income taxes
represent a significant portion of living expenses--a portion that
varies from one area to the next.
As also noted in the report, Runzheimer recognizes that it applied
the same salary levels and CES data this year as it did in the 1990
surveys. We commend OPM for introducing new Federal employment weights
and urge OPM to continue with its plans to introduce gradually new CES
data and salary levels in future surveys.
Appendix 1.--Consumer Expenditure Survey (CES)
[By Income Before Taxes: Average annual expenditures and characteristics of all consumer units, Consumer
Expenditure Survey 1988, Feb. 13, 1990]
----------------------------------------------------------------------------------------------------------------
June 7, 1990
------------------------------------------------------------------------------------------
Item Total
complete $10,000 to $15,000 to $20,000 to $30,000 to $40,000 to $50,000 and
reporting $14,999 $19,999 $29,999 $39,999 $49,999 over
----------------------------------------------------------------------------------------------------------------
Number of consumer
units (in thousands) 81354 9433 8219 14586 10901 7198 12209
Number of sample
interviews.......... 30900 3500 3107 5496 4119 2849 4983
Consumer unit
characteristics:
Income before
taxes\1\.......... $28540 $12320 $17373 $24591 $34375 $44331 $74234
Income after
taxes\1\.......... 26149 11892 16345 22963 31660 40100 66345
Average number of
persons in
consumer unit..... 2.6 2.2 2.5 2.7 2.9 3.2 3.1
Age of reference
person............ 46.9 50.1 46.5 44.7 43.2 42.3 45.3
Average number in
consumer unit:
Earners.......... 1.4 0.9 1.2 1.5 1.8 2.0 2.1
Vehicles......... 2.0 1.4 1.9 2.2 2.6 2.7 3.1
Children under 18 0.7 0.6 0.7 0.7 0.9 1.0 0.8
Persons 65 and
over............ 0.3 0.5 0.4 0.3 0.2 0.1 0.1
Percent
distribution:
Male........... 66 57 64 71 78 82 87
Female......... 34 43 36 29 22 18 13
Homeowner with
mortgage...... 38 15 26 36 52 64 76
Homeowner
without
mortgage...... 24 32 26 25 18 14 14
Renter......... 39 53 47 39 30 21 11
Black.......... 11 12 10 10 5 6 4
White and other 89 88 90 90 95 94 96
Elementary (1-
8)............ 11 17 12 8 5 2 3
High school (9-
12)........... 44 51 54 48 42 40 24
College........ 44 31 34 44 53 58 73
Never attended
and other..... 1 1 1 0 0 0 0
At least one
vehicle owned... 86 84 91 95 96 97 97
Average annual
expenditures........ 26389.07 16788.64 19558.35 24896.36 31659.60 37562.00 52320.19
Food............... 3804.39 2777.33 3194.53 3765.02 4587.49 5281.61 6296.11
Food at home..... 2176.94 1809.23 1954.49 2174.01 2556.74 2906.55 3109.86
*Cereals and
bakery
products...... 317.03 266.20 274.62 320.55 375.38 417.06 450.19
*Cereals and
cereal
products.... 111.15 101.45 100.46 111.31 134.59 145.71 138.66
*Flour....... 4.83 6.43 4.59 4.99 5.06 4.15 4.17
*Prepared
flour mixes. 9.88 9.30 9.21 10.32 11.92 14.72 12.18
*Ready-to-eat
and cooked
cereals..... 73.49 65.38 65.31 72.80 89.56 98.06 92.85
*Rice........ 7.98 8.00 6.06 7.95 9.66 9.48 10.14
*Pasta,
cornmeal and
other
cereals..... 14.97 12.33 15.29 15.24 18.39 19.30 19.34
*Bakery
products...... 205.88 164.75 174.16 209.23 240.80 271.35 311.53
*Bread....... 65.72 58.48 61.24 68.58 72.19 78.50 86.03
*White
bread..... 35.48 32.79 33.61 38.12 39.98 39.46 42.54
*Bread,
other than
white..... 30.24 25.69 27.63 30.46 32.21 39.05 43.49
*Crackers and
cookies..... 51.76 41.43 42.92 53.39 60.40 75.75 77.18
*Cookies... 32.19 24.30 27.98 33.01 35.93 47.99 49.96
*Crackers.. 19.57 17.13 14.94 20.38 24.46 27.76 27.21
*Frozen and
refrigerated
bakery
products.... 13.55 10.10 10.54 13.12 15.29 17.64 24.89
*Other bakery
products.... 74.84 54.74 59.46 74.14 92.92 99.46 123.44
*Biscuits
and rolls. 26.62 18.31 20.95 27.08 30.87 38.69 45.14
*Cakes and
cupcakes.. 20.31 13.30 15.37 21.50 26.94 26.92 31.29
*Bread and
cracker
products.. 2.82 2.70 2.40 2.36 3.73 4.07 4.89
*Sweetrolls
, coffee
cakes,
doughnuts. 19.60 15.04 15.68 18.44 23.22 23.31 33.90
*Pies,
tarts,
turnovers. 5.48 5.38 5.07 4.76 8.16 6.48 8.22
*Meats,
poultry, fish
and eggs...... 560.01 477.38 555.07 541.91 635.94 699.55 812.35
*Beef........ 183.66 152.35 204.56 185.96 215.42 225.57 263.75
*Ground
beef...... 79.09 71.32 84.22 79.31 96.47 91.12 101.79
*Roast....... 33.40 28.09 34.54 34.19 35.85 40.13 50.81
*Chuck
roast..... 13.23 11.36 14.43 13.12 16.66 14.71 17.87
*Round
roast..... 9.13 7.79 10.19 8.42 8.80 15.67 13.71
*Other
roast..... 11.04 8.93 9.92 12.65 10.28 9.75 19.23
*Steak....... 59.01 41.47 71.43 61.32 70.25 77.08 93.67
*Round
steak..... 11.62 11.60 16.74 13.83 12.33 11.66 13.85
*Sirloin
steak..... 12.96 8.51 11.79 12.72 14.53 20.48 24.43
*Other
steak..... 34.42 21.36 42.90 34.77 43.40 44.94 55.39
*Other beef.. 12.17 11.47 14.37 11.14 12.84 17.24 17.48
*Pork.......... 114.19 104.51 108.16 108.24 132.60 131.31 157.61
*Bacon....... 20.23 24.20 17.46 18.44 23.15 18.48 25.09
*Pork chops.. 27.10 19.23 28.84 25.14 36.30 28.37 34.33
*Ham......... 27.43 25.79 27.94 28.11 31.54 35.35 39.08
*Ham, not
canned.... 24.47 21.68 25.11 26.25 28.62 29.58 36.43
*Canned ham 2.96 41.0 2.83 1.86 2.92 5.77 2.65
*Sausage..... 16.60 14.09 17.07 13.98 17.67 22.46 23.28
*Other pork.. 22.83 21.21 16.84 22.58 23.95 26.65 35.83
*Other meats... 83.61 71.60 75.58 79.96 98.98 113.62 118.21
*Frankfurters 17.37 15.97 17.17 17.77 19.56 21.76 22.58
*Lunch meats
(cold cuts). 58.88 49.13 49.48 56.28 71.83 80.88 86.21
*Bologna,
liverwurst
, salami.. 19.11 17.97 16.54 19.36 22.06 23.99 25.51
*Other
lunchmeats 39.78 31.16 32.94 36.92 49.77 56.89 60.70
*Lamb, organ
meats and
others...... 7.36 6.51 8.93 5.91 7.58 10.98 9.42
*Lamb and
organ
meats..... 6.17 5.97 5.33 4.82 7.57 8.63 8.50
*Mutton,
goat and
game...... 1.19 0.54 3.60 1.10 0.01 2.36 0.92
*Poultry....... 85.49 69.40 81.53 82.16 85.67 111.40 133.20
*Fresh and
frozen
chickens.... 66.41 55.25 66.61 65.26 66.71 81.88 96.35
*Fresh
whole
chicken... 17.24 17.03 17.44 20.11 14.32 16.24 23.38
*Fresh and
frozen
chicken
parts..... 49.17 38.22 49.18 45.15 52.39 65.64 72.97
*Other
poultry,
incl whole
frzn
chickens.... 19.08 14.15 14.91 16.91 18.96 29.52 36.85
*Fish and
seafood....... 65.24 50.44 57.57 56.89 74.24 86.03 109.89
*Canned fish
and seafood. 17.95 14.01 15.77 16.67 23.21 21.96 26.53
*Fresh and
frozen
shellfish... 14.98 5.89 17.35 14.09 15.81 18.33 32.78
*Fresh and
frozen
finfish..... 32.31 30.53 24.45 26.13 35.23 45.74 50.59
*Eggs.......... 27.83 29.08 27.68 28.69 29.02 31.61 29.68
*Dairy products.. 277.91 237.49 246.39 287.05 337.97 365.06 383.11
*Fresh milk and
cream......... 134.41 132.08 125.44 135.91 160.12 158.15 168.53
*Whole milk.. 52.12 58.46 57.48 57.54 55.58 44.53 55.37
*Other milk
and cream... 82.29 73.61 67.97 78.37 104.54 113.61 113.17
*Other dairy
products...... 143.50 105.41 120.95 151.15 177.85 206.92 214.57
*Butter...... 8.89 8.28 8.17 8.63 9.20 12.22 13.04
*Cheese...... 79.01 54.41 69.16 83.03 98.98 111.72 119.08
*Ice cream
and related
products.... 41.68 31.02 33.95 46.55 53.10 60.05 61.85
*Miscellaneou
s dairy
products.... 13.93 11.70 9.67 12.93 16.57 22.93 20.60
*Fruits and
vegetables...... 376.38 327.70 335.02 366.35 441.76 487.04 526.17
*Fresh fruits.. 120.98 102.64 104.99 116.33 148.47 156.62 172.21
*Apples...... 21.57 16.83 17.80 21.56 26.58 28.77 29.44
*Bananas..... 20.65 19.42 19.04 21.64 24.06 22.66 27.22
*Oranges..... 10.98 9.36 9.43 9.37 15.38 16.47 14.72
*Other fresh
fruits...... 67.78 57.02 58.71 63.75 82.45 88.72 100.83
*Fresh
vegetables.... 110.67 101.90 100.87 106.30 124.19 123.40 158.76
*Potatoes.... 16.61 13.93 17.56 15.59 19.18 20.55 22.24
*Lettuce..... 13.73 11.36 11.61 12.80 16.85 16.95 20.85
*Tomatoes.... 14.87 13.49 14.08 14.64 17.94 16.43 19.74
*Other fresh
vegetables.. 65.47 63.12 57.63 63.28 70.21 69.47 95.93
*Processed
fruits........ 86.81 75.04 80.64 82.22 98.04 126.19 121.27
*Frozen
fruits and
fruit juices 19.59 17.95 18.61 18.42 22.98 32.00 28.71
*Frozen
orange
juice..... 14.43 13.60 13.91 14.55 14.89 21.97 20.88
*Other
frozen
fruits and
juices.... 5.16 4.35 4.70 3.87 8.10 10.03 7.83
*Canned and
dried fruits 21.22 18.05 18.46 20.85 24.80 32.50 26.30
*Fresh,
canned or
bottled
fruit juices 46.00 39.04 43.58 42.95 50.26 61.68 66.26
*Processed
vegetables.... 57.92 48.13 48.52 61.49 71.05 80.82 73.92
*Frozen
vegetables.. 21.30 13.63 16.57 23.19 27.40 32.62 31.07
*Canned and
dried
vegetables
and juices.. 36.62 34.50 31.95 38.30 43.65 48.21 42.85
*Canned
beans..... 6.64 5.41 6.00 6.98 7.85 9.98 7.27
*Canned
corn...... 4.21 2.91 3.86 4.70 4.31 6.10 4.37
*Other
canned and
dried
veg., &
juices.... 25.77 26.17 22.09 26.62 31.49 32.12 31.21
*Other food at
home............ 645.61 500.46 543.39 658.15 765.69 937.83 938.05
*Sugar and
other sweets.. 80.66 65.44 64.53 82.49 97.73 122.23 111.61
*Candy and
chewing gum. 45.41 32.09 31.13 46.37 55.74 75.32 71.53
*Sugar....... 17.07 18.57 17.60 17.61 18.27 17.57 16.01
*Artificial
sweeteners.. 2.36 1.56 2.44 2.90 1.78 3.70 2.68
*Jams,
preserves,
other sweets 15.82 13.22 13.36 15.62 21.94 25.64 21.39
*Fats and oils. 56.65 48.51 45.63 59.62 69.18 76.24 70.54
*Margarine... 11.96 10.65 9.89 12.19 14.51 15.78 15.49
*Other fats,
oils, and
salad
dressing.... 31.66 26.57 26.33 32.32 37.90 45.04 38.58
*Nondairy
cream and
imitation
milk........ 4.49 4.53 3.64 4.91 4.72 5.00 4.89
*Peanut
butter...... 8.54 6.75 5.77 10.20 12.05 10.42 11.57
*Miscellaneous
foods......... 272.98 209.21 230.18 278.73 325.17 410.76 393.38
*Frozen
prepared
foods....... 46.13 34.31 44.35 47.46 54.87 69.97 66.80
*Frozen
meals..... 16.75 14.44 19.43 16.05 23.09 21.11 23.97
*Other
frozen
prepared
foods..... 29.39 19.87 24.92 31.41 31.78 48.86 42.82
*Canned and
packaged
soups....... 21.41 17.65 16.96 21.06 24.10 35.62 28.50
*Potato
chips, nuts,
and other
snacks...... 59.78 41.00 37.67 64.36 71.49 95.82 100.20
*Potato
chips and
other
snacks.... 46.79 30.06 31.54 53.75 55.18 74.06 77.26
*Nuts...... 12.99 10.94 6.13 10.61 16.31 21.76 22.94
*Condiments
and
seasonings.. 61.52 49.20 56.11 58.41 77.90 82.89 92.16
*Salt,
spices,
other
seasonings 12.31 10.17 11.24 11.99 14.15 14.15 20.09
*Olives,
pickles,
relishes.. 7.62 5.36 8.73 7.01 9.48 10.54 10.59
*Sauces and
gravies... 31.62 25.10 26.76 29.73 42.60 43.35 46.87
*Baking
needs and
misc.
products.. 9.97 8.58 9.38 9.67 11.67 14.85 14.61
*Other canned/
packaged
prepared
foods....... 84.14 67.05 75.08 87.44 96.82 126.46 105.73
*Salads and
desserts.. 13.23 11.82 12.59 11.96 17.20 18.07 18.37
*Baby food. 16.25 10.38 15.03 16.91 19.52 26.99 12.93
*Miscellane
ous
prepared
foods..... 54.66 44.85 47.47 58.57 60.10 81.41 74.43
*Nonalcoholic
beverages..... 204.37 164.51 186.49 210.29 233.06 283.11 287.11
*Cola........ 92.19 66.57 88.15 99.91 101.86 140.51 123.90
*Other
carbonated
drinks...... 32.62 23.55 29.15 28.70 40.86 43.90 53.99
*Coffee...... 40.93 38.84 38.48 38.15 43.16 47.73 54.95
*Roasted
coffee.... 25.27 22.96 23.27 24.63 26.36 31.15 34.98
*Instant
and freeze
dried
coffee.... 15.66 15.87 15.21 13.52 16.81 16.58 19.98
*Non-
carbonated
fruit
flavored
drinks...... 16.30 12.30 11.92 21.28 20.62 24.65 21.32
*Tea......... 11.18 10.67 8.25 11.36 13.49 15.33 13.42
*Other non-
alcoholic
beverages... 11.15 12.58 10.54 10.90 13.08 10.98 19.52
Food prepared
by cu on out
of town trips. 30.94 12.80 16.56 27.01 40.55 45.49 75.42
Food away from home 1627.45 968.10 1240.03 1591.02 2030.75 2375.06 3186.24
*Meals at
restaurants,
carry-outs &
other........... 1275.77 799.32 1039.21 1294.24 1591.66 1870.30 2351.22
*Lunch......... 499.88 277.04 407.25 514.76 619.15 709.45 956.78
*Dinner........ 549.30 339.39 440.28 550.06 662.77 822.65 1057.00
*Snacks and non
alcoholic
beverage...... 142.56 105.40 121.94 145.83 190.00 225.33 207.78
*Breakfast and
brunch........ 84.04 77.48 69.75 83.59 119.74 112.87 129.66
Board (including
at school)...... 43.62 6.74 7.89 27.65 36.46 39.33 153.00
Catered affairs 41.27 7.39 5.78 34.97 50.79 47.01 142.76
Food on out of
town trips.... 195.31 93.30 115.14 165.61 254.20 300.02 451.05
School lunches. 42.24 20.43 26.30 41.51 67.39 84.77 70.55
Meals as pay... 29.24 40.92 45.71 27.04 30.27 33.64 17.65
Alcoholic beverages 281.70 182.87 235.22 290.56 343.77 352.96 506.47
*At home......... 148.36 107.27 126.68 152.37 189.69 178.29 246.36
*Beer and ale.. 89.05 72.34 77.77 95.86 108.21 102.60 126.68
*Whiskey....... 12.73 12.89 5.93 13.17 16.76 13.43 21.68
*Wine.......... 32.15 13.69 26.16 31.70 40.94 46.88 70.20
*Other
alcoholic
beverages..... 14.43 8.35 16.82 11.65 23.78 15.38 27.80
Away from home... 133.34 75.61 108.54 138.19 154.08 174.67 260.11
*Beer and ale.. 37.50 20.21 32.77 39.59 40.20 53.06 62.61
*Wine.......... 18.54 12.05 15.72 19.17 18.68 24.52 38.32
*Other
alcoholic
beverages..... 58.12 36.45 50.81 60.89 71.66 67.59 113.53
Alcoholic
beverages
purchased on
trips......... 19.17 6.90 9.24 18.54 23.54 29.50 45.66
Housing............ 8069.13 5495.09 5946.80 7511.85 9260.40 10608.79 15719.12
Shelter.......... 4470.25 3043.10 3139.50 4124.86 5049.86 5901.40 8909.44
Owned dwellings 2554.04 961.15 1151.03 1976.74 2970.57 4060.42 6925.93
Mortgage
interest.... 1560.48 318.45 520.13 1051.78 1925.39 2783.87 4724.67
Mortgage
interest
and
charges... 1560.38 318.45 520.13 1051.78 1925.39 2783.87 4724.01
Prepayment
penalty
charges.
(own home) 0.10 0.00 0.00 0.00 0.00 0.00 0.66
Property
taxes....... 496.08 316.48 301.71 417.03 599.30 643.81 1125.91
Maintenance,
repairs,
insur, othr
expenses.... 497.48 326.23 329.20 507.92 445.87 632.74 1075.35
Homeowners
and
related
insurance. 151.74 102.72 105.11 139.48 163.01 200.84 313.16
Fire and
extended
coverage 4.98 3.14 4.17 8.42 3.90 7.28 4.94
Homeowner
s
insuranc
e....... 146.76 99.58 100.94 131.06 159.11 193.56 308.22
Ground rent.. 26.88 26.40 38.12 35.13 23.98 14.38 12.57
Maintenance
and repair
service..... 252.68 166.84 159.60 260.79 187.82 293.13 607.16
Painting
and
papering.. 52.01 34.57 12.75 55.29 21.09 49.82 144.99
Plumbing
and water
heating... 23.06 12.17 16.84 22.72 17.23 32.94 55.39
Heat, a/c,
electrical
work...... 42.03 40.31 20.65 28.44 44.68 61.59 90.02
Roofing and
gutters... 46.96 21.78 51.88 49.75 40.70 55.18 111.23
Other
repair/mai
ntenance
service... 78.78 53.15 53.69 101.29 54.90 85.14 164.91
Repair &
replace
hard
surface
flooring.. 8.14 4.68 2.92 2.46 7.98 6.77 33.94
Repair of
built-in
appliances 1.68 0.16 0.88 0.85 1.24 1.69 6.68
Maintenance/r
epair commod 65.41 28.29 25.78 71.76 70.93 122.37 141.50
Paints,
wallpaper
and
supplies.. 17.47 6.93 5.76 14.64 18.25 33.17 45.07
Tools and
equipment
for
painting
and
wallpaperi
ng........ 1.88 0.74 0.62 1.57 1.96 3.56 4.84
Plumbing
supplies
and
equipment. 5.65 2.25 3.48 6.92 6.24 11.04 11.40
Electrical
supplies,
heat/cool
equip..... 3.76 0.62 4.14 3.32 4.94 2.21 10.24
Materials
for hard
surface
floor,
repair and
replace... 1.85 0.82 0.03 1.32 0.66 5.63 5.85
Material
and
equipment
for roof/
gutters... 5.18 3.60 3.34 8.46 4.25 3.31 5.16
Materials
for
plaster,
panel,
siding,
windows,
doors,
screens,
awnings... 11.08 9.36 4.91 12.62 12.57 15.49 23.43
Materials
for patio,
walk,
fence,
drive,
masonry,
brick, and
stucco
work...... 2.12 0.28 0.61 6.99 0.71 2.30 3.03
Materials
for
landscapin
g
maintenanc
e......... 2.52 0.09 0.00 7.40 2.38 2.17 4.45
Miscellaneo
us
supplies/e
quipment.. 13.89 3.60 2.89 8.52 18.98 43.49 28.02
Materials
for
insulati
on,
other
maintena
nce/repa
ir...... 7.87 3.60 2.36 6.16 10.04 14.88 18.16
Materials
to
finish
basement
,
remodel
rms or
build
patios,
walks,
etc
(maint.,
rep.,
repl.)
(own
prop)... 6.02 0.00 0.53 2.36 8.95 28.61 9.86
Property
management and
security........ 0.74 1.98 0.53 0.72 0.13 1.95 0.79
Property
management.. 0.64 1.88 0.24 0.60 0.12 1.95 0.62
Management
and upkeep
serv for
security.... 0.10 0.10 0.28 0.13 0.01 0.00 0.18
Parking........ 0.04 0.00 0.06 0.03 0.00 0.07 0.17
Rented dwellings. 1469.41 1753.31 1777.24 1804.99 1563.71 1248.94 825.42
Rent........... 1428.30 1708.38 1718.30 1762.19 1521.88 1216.05 785.55
Rent as pay.... 17.34 25.29 32.67 15.87 14.30 0.70 9.59
Maintenance,
insurance and
other expenses 23.76 19.63 26.27 26.92 27.53 32.19 30.29
Tenant's
insurance... 8.68 4.34 9.22 9.27 12.89 10.61 10.03
Maintenance
and repair
services.... 9.01 10.32 13.18 11.46 9.64 6.78 12.67
Repair or
maintenanc
e service. 8.62 10.32 13.18 11.46 9.50 5.20 11.94
Materials
for
dwelling
under
constructi
on and
additions. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Repair &
replace
hard
surface
flooring.. 0.36 0.00 0.00 0.00 0.00 1.58 0.69
Repair of
built-in
appliances 0.03 0.00 0.00 0.00 0.14 0.00 0.05
Maintenance
and repair
comm........ 6.07 4.97 3.87 6.19 5.00 14.80 7.59
Paint,
wallpaper,
and
supplies.. 1.19 0.85 1.39 1.12 2.22 1.63 1.10
Tools and
equipment
for
painting
and
wallpaperi
ng........ 0.13 0.09 0.15 0.12 0.24 0.18 0.12
Materials
for
plast.,
panels,
roofing,
gutters,
etc....... 0.68 1.43 0.34 0.94 0.69 0.81 0.56
Materials
for patio,
walk,
fence,
driveway,
masonry,
brick &
stucco
work...... 0.02 0.06 0.00 0.01 0.00 0.06 0.02
Plumbing
supplies
and
equipment. 0.38 0.23 0.53 0.75 0.25 0.20 0.17
Electrical
supplies,
heat./cool
. equip... 0.92 1.10 0.18 0.03 0.11 8.91 0.01
Miscellaneo
us
supplies/e
quipment.. 1.84 2.07 0.79 2.69 1.08 1.80 3.41
Materials
for
insulation
, other
maintenanc
e and
repair.... 0.58 0.51 0.73 0.49 0.56 0.67 0.72
Termite/pes
t control
(cap.
improvemen
t)
(renter).. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Materials
for
additions,
finish
basements,
remodeling
rooms..... 1.08 1.44 0.07 1.89 0.26 0.24 2.69
Constructio
n mtls
jobs not
started... 0.18 0.12 0.00 0.31 0.26 0.89 0.00
Materials
for hard
surface
flooring.. 0.14 0.00 0.46 0.26 0.00 0.52 0.00
Materials
for
landscape
maintenanc
e......... 0.76 0.14 0.03 0.27 0.42 0.68 2.21
Other lodging.... 446.79 328.64 211.23 343.13 515.57 592.04 1158.09
Owned vacation
homes......... 78.26 147.93 26.59 48.70 89.46 52.59 199.82
Prepayment
penalty
charges (own
vac)........ 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Mortgage
interest.... 48.65 124.50 5.47 31.06 51.05 23.57 117.74
Property
taxes....... 16.90 12.09 14.93 9.58 21.13 16.99 45.43
Maintenance,
insurance
other
expenses.... 12.71 11.34 6.19 8.06 17.28 12.03 36.65
Homeowners
and
related
insurance. 3.07 1.77 1.42 2.32 2.69 1.79 10.56
Homeowner
s
insuranc
e....... 3.04 1.54 1.42 2.32 2.69 1.79 10.51
Fire/exte
nded
coverage 0.03 0.22 0.00 0.00 0.00 0.00 0.05
Ground rent 3.33 0.90 3.95 1.64 6.88 1.26 9.64
Maintenance
/repair
services.. 5.52 8.06 0.71 3.83 6.37 8.30 14.44
Repair/re
modeling
(service
)....... 5.52 8.06 0.71 3.83 6.37 8.30 14.44
Repair
and
replace
hard
surface
floor... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Maintenance
/repair
comm...... 0.39 0.61 0.11 0.28 0.11 0.23 0.70
Paints,
wallpape
r,
supplies 0.08 0.19 0.06 0.00 0.03 0.08 0.29
Tools/equ
ipment
for
painting
and
wallpape
ring.... 0.01 0.02 0.01 0.00 0.00 0.01 0.03
Materials
for
plastering
, panels,
roofing,
gutters
dnspouts,
siding
wdows,
drs.,
screens,
and
awnings... 0.05 0.00 0.00 0.02 0.00 0.03 0.32
Materials
for patio,
walk,
fence,
drive,
drive,
masonry,
brick,
stucco.... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Plumbing
supplies/e
quipment.. 0.02 0.04 0.00 0.00 0.03 0.07 0.05
Electrical
supplies,
heat./cool
equip..... 0.01 0.00 0.00 0.01 0.04 0.00 0.00
Miscellaneo
us
supplies/e
quipment.. 0.01 0.00 0.05 0.02 0.00 0.04 0.00
Materials
for
insulati
on/other
maint./r
epair... 0.01 0.00 0.05 0.00 0.00 0.04 0.00
Materials
for
finishin
g
basement
s
remodeli
ng rooms 0.00 0.00 0.00 0.02 0.00 0.00 0.00
Materials
for hard
surface
floor..... 0.20 0.35 0.00 0.23 0.00 0.00 0.00
Materials
for
landscapin
g
maintenanc
e......... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Property
management
and security 0.40 0.00 0.00 0.00 1.23 0.44 1.30
Property
management 0.40 0.00 0.00 0.00 1.23 0.44 1.30
Management
and upkeep
serv for
securit... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Parking...... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses for
other properties 154.47 101.84 74.84 137.28 169.04 223.95 390.55
Housing while
attending school 35.48 3.69 3.44 17.58 30.76 35.15 118.12
Lodging while out
of town......... 178.58 75.19 106.36 139.57 226.31 280.35 449.60
Utilities, fuels and
public services..... 1726.29 1412.79 1542.51 1711.07 1924.68 2089.22 2593.19
Natural gas........ 232.22 212.96 214.65 215.34 246.68 276.67 354.61
Util.--Natural
gas (renter).... 50.85 73.43 66.38 52.66 42.66 34.00 19.84
Util.--Natural
gas (own home).. 180.07 139.37 147.88 161.65 200.38 242.17 329.43
Util.--Natural
gas (own vac.).. 1.22 0.16 0.30 0.97 0.49 0.50 5.32
Util.--Natural
gas (rented
vac.)........... 0.08 0.00 0.09 0.05 0.15 0.00 0.02
Electricity........ 700.08 578.32 608.01 695.11 801.49 859.67 1048.84
Electricity
(renter)........ 169.94 222.94 196.59 197.41 178.88 122.29 74.86
Electricity (own
home)........... 524.87 350.24 408.24 493.70 618.75 733.65 957.87
Electricity (own
vac.)........... 5.03 4.75 2.86 3.92 3.40 3.70 15.87
Electricity
(rented vac.)... 0.25 0.39 0.32 0.09 0.45 0.02 0.25
Fuel oil and other
fuels............. 94.02 76.70 81.76 99.42 92.78 114.59 128.02
Fuel oil......... 55.60 38.86 47.89 54.62 53.00 82.53 89.36
Fuel oil
(renter)...... 5.21 5.93 6.49 5.91 6.38 3.26 4.78
Fuel oil (own
home)......... 49.96 32.34 41.40 48.50 46.57 79.27 82.89
Fuel oil (own
vac.)......... 0.38 0.59 0.00 0.21 0.05 0.00 1.69
Fuel oil
(rented vac.). 0.06 0.00 0.00 0.00 0.00 0.00 0.00
Coal............. 3.50 6.85 0.57 6.20 3.64 5.23 0.33
Coal (renter).. 0.55 1.20 0.20 0.94 0.98 0.00 0.00
Coal (own home) 2.95 5.66 0.37 5.26 2.66 5.23 0.33
Coal (own vac.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Coal (rented
vac.)......... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bottled gas...... 24.48 22.49 23.52 28.34 23.75 17.90 23.47
Gas, bottled/
tank (renter). 3.78 5.78 4.73 2.54 3.06 0.69 2.10
Gas, bottled/
tank (own
home)......... 18.58 15.77 17.30 24.49 19.10 12.94 15.42
Gas, bottled/
tank (own
vac.)......... 2.12 0.93 1.49 1.31 1.59 4.26 5.94
Gas, bottled/
tank (rented
vac.)......... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Wood and other
fuels........... 10.43 8.49 9.77 10.26 12.38 8.93 14.87
Wood/other
fuels (renter) 1.31 2.07 1.19 1.35 0.64 0.21 1.33
Wood/other
fuels (own
home)......... 9.05 6.42 8.57 8.71 11.74 8.64 13.42
Wood/other
fuels (own
vac.)......... 0.06 0.00 0.00 0.20 0.00 0.08 0.13
Wood/other
fuels (rented
vac.)......... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Telephone.......... 528.79 425.98 507.41 539.06 590.21 601.80 769.38
Water and other
public services... 171.19 118.83 130.68 162.14 193.53 236.49 292.34
Water/sewerage
maintenance..... 131.02 91.41 99.79 124.06 150.67 178.26 222.63
Water/sewer
maintenance
(renter)...... 18.53 20.04 17.05 22.99 18.20 15.51 8.91
Water/sewer
maintenance
(own home).... 111.57 69.24 82.52 100.46 131.51 161.47 212.17
Water/sewer
maintenance
(own vac.).... 0.83 1.83 0.22 0.52 0.96 1.29 1.43
Water/sewer
maintenance
(rented vac.). 0.09 0.30 0.00 0.08 0.00 0.00 0.13
Trash/garbage
collection...... 38.67 26.89 29.90 37.16 40.93 55.27 65.76
Trash/garb.
collection
(renter)...... 5.28 5.02 4.95 7.21 4.98 5.00 2.97
Trash/garb.
collection
(own home).... 33.31 21.88 24.79 29.91 35.69 50.26 62.64
Trash/garb.
collection
(own vac.).... 0.08 0.00 0.16 0.04 0.25 0.00 0.15
Trash/garb.
collection
(rented vac.). 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Septic tank
cleaning........ 1.50 0.52 0.98 0.92 1.94 2.96 3.95
Septic tank
cleaning
(renter)...... 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Septic tank
cleaning (own
home)......... 1.48 0.52 0.98 0.91 1.84 2.96 3.95
Septic tank
cleaning (own
vac.)......... 0.00 0.00 0.00 0.01 0.00 0.00 0.00
Septic tank
cleaning
(rented vac.). 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Household
operations........ 387.45 200.78 222.83 310.21 448.86 530.72 955.30
Personal services 176.53 82.78 119.28 166.06 275.08 311.41 321.27
Babysitting.... 74.62 42.11 58.03 85.19 133.19 114.65 115.47
Care for
elderly,
invalids,
handicapped,
etc........... 11.66 3.93 0.55 4.58 1.46 0.47 24.66
Day care
centers,
nursery/presch
ools.......... 90.25 36.75 60.69 76.28 140.43 196.28 181.13
Other household
expenses........ 210.92 118.00 103.56 144.16 173.78 219.31 634.03
Housekeeping
services...... 67.76 36.72 22.44 28.84 41.53 50.94 269.17
Gardening, lawn
care service.. 49.60 27.27 22.86 30.40 31.13 53.69 159.01
Water softening
service....... 2.81 2.73 0.76 2.19 2.95 4.10 7.63
Household
laundry/dry
cleaning, sent
out (non-
clothing) not
coin-operated. 1.63 1.04 0.41 1.66 2.63 2.53 3.39
Coin-operated
household
laundry/dry
cleaning (non-
cloth)........ 4.78 5.92 5.63 5.41 4.47 6.09 2.27
Other home
services...... 17.86 4.29 9.02 12.39 13.96 13.96 60.11
Termite/pest
control
products...... 0.20 0.05 0.09 0.09 0.25 0.12 0.21
Moving,
storage,
freight
express....... 26.46 10.87 10.32 23.78 32.08 46.84 56.17
Appliance
repair, incl.
service center 16.44 9.82 17.88 18.93 20.85 17.46 25.57
Reupholstering/
furniture
repair........ 13.85 10.37 5.31 13.68 15.55 11.69 32.30
Repairs/rentals
of lawn/garden
equipment hand/
power tools,/
other
household
equip......... 5.92 4.16 4.59 4.90 6.20 9.08 13.38
Appliance
rental........ 2.08 4.33 2.47 1.01 1.16 0.52 0.54
Rental of
office
equipment for
non-business
use........... 0.17 0.02 0.27 0.04 0.01 0.57 0.46
*Repair of
miscellaneous
household
equipment and
furnishings... 0.48 0.00 1.32 0.19 0.02 0.94 0.59
Rental and
installation
of
dishwashers,
range hoods,
and garbage
disposals..... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Housekeeping
supplies.......... 382.82 286.29 321.58 383.43 451.24 475.45 670.22
Laundry and
cleaning
supplies........ 106.44 80.46 104.37 109.27 131.66 129.47 162.63
*Soaps and
detergents.... 62.10 47.30 60.50 63.11 78.35 77.19 89.28
*Other laundry
cleaning
products...... 44.33 33.16 43.87 46.16 53.30 52.28 73.35
*Other household
products........ 157.48 125.55 115.86 149.94 183.61 201.65 316.09
*Cleansing and
toilet tissue,
paper towels
and napkins... 52.12 42.88 45.37 51.88 64.86 67.41 80.71
*Miscellaneous
household
products...... 67.89 47.17 44.38 58.26 85.63 108.96 139.90
*Lawn and
garden
supplies...... 37.47 35.50 26.12 39.79 33.12 25.27 95.48
*Postage and
stationery...... 118.89 80.28 101.35 124.23 135.97 144.33 191.50
*Stationery,
stationery
supplies,
giftwrap...... 54.40 30.49 36.05 45.35 55.09 74.49 105.20
*Postage....... 64.49 49.79 65.30 78.88 80.87 69.84 86.30
Housefurnishings
and equipment..... 1102.32 552.14 720.38 982.28 1385.76 1612.00 2590.97
Household
textiles........ 97.11 50.30 81.09 96.28 104.56 122.28 220.32
*Bathroom
linens........ 13.69 5.45 19.92 9.71 18.83 13.05 30.80
*Bedroom linens 38.11 28.28 35.77 36.81 33.56 50.47 77.56
*Kitchen and
dining room
linens........ 5.74 4.52 2.63 4.03 6.56 7.12 15.73
*Curtains and
draperies..... 26.56 5.34 12.12 28.90 26.44 39.44 71.25
*Slipcovers,
decorative
pillows....... 1.64 0.68 2.26 1.33 2.64 1.28 3.18
*Sewing
materials for
slipcovers,
curtains other
sewing
materials for
home use...... 10.32 4.80 7.95 14.65 15.39 9.43 19.15
Other linens... 1.05 1.25 0.43 0.84 1.13 1.50 2.65
Furniture........ 319.44 139.36 204.72 261.90 378.37 433.38 861.57
Mattress and
springs....... 41.86 18.62 32.81 39.28 57.01 62.91 93.05
Other bedroom
furniture..... 39.75 13.71 29.56 22.88 52.21 62.05 107.77
Sofas.......... 65.44 37.30 40.98 58.54 83.34 108.08 144.37
Living room
chairs........ 35.91 24.89 27.22 40.43 31.79 44.77 80.20
Living room
tables........ 20.16 6.73 15.46 15.21 26.54 27.03 50.94
Kitchen/dining
room furniture 58.64 14.86 34.82 22.79 61.09 56.39 226.46
Infants'
furniture..... 7.01 2.15 5.04 4.57 8.94 14.79 16.63
Outdoor
furniture..... 12.57 1.62 3.51 12.51 10.65 19.59 41.43
Occasional
furniture..... 38.12 19.48 15.32 45.67 46.80 37.77 100.73
Floor coverings.. 70.23 18.41 29.79 74.77 110.80 113.46 164.89
Wall-to-wall
carpet
(renter)...... 2.41 5.97 2.25 2.15 3.86 2.30 0.40
Wall-to-wall
carpet,
installed.
(renter).... 1.73 5.73 1.18 0.70 3.14 1.74 0.11
Wall-to-wall
carpet, not
installed
carpet
squares
(renter).... 0.68 0.24 1.07 1.45 0.72 0.56 0.28
Wall-to-wall
carpet
(replacement)
(own home).... 42.57 7.88 22.82 47.02 42.12 67.79 119.96
Wall-to-wall
carpet, not
installed
(replacement
), carpet
squares (own
home)....... 3.04 0.00 1.67 2.54 5.12 1.77 10.38
Wall-to-wall
carpet,
installed
(replacement
) (own home) 39.53 7.88 21.16 44.48 37.00 66.02 109.58
*Room size rugs
and other floor
covering, non-
permanent....... 25.25 4.56 4.71 25.60 64.82 43.36 44.54
Major appliances. 172.90 107.05 138.91 169.54 213.08 240.59 328.70
Dishwashers
(built-in)
garbage
disposals,
range hoods,
(renter)...... 0.24 0.14 0.00 0.13 0.00 1.78 0.28
Diswashers
(built-in),
garbage
disposals
range hoods,
(own home).... 10.05 2.93 8.48 9.60 10.34 17.42 24.58
Refrigerators/f
reezers
(renter)...... 11.18 9.98 16.09 15.96 17.11 7.86 6.21
Refrigerators/f
reezers (own
home)......... 39.29 12.75 24.85 37.05 50.93 48.84 96.50
Washing
machines
(renter)...... 6.56 8.33 5.97 6.26 7.85 5.99 7.42
Washing
machines (own
home)......... 17.96 8.84 12.50 16.47 23.46 26.73 32.83
Clothes dryers
(renter)...... 4.18 5.20 4.27 2.33 5.33 9.24 4.43
Clothes dryers
(own home).... 10.35 3.96 8.24 9.93 13.04 22.44 17.97
Cooking stoves/
ovens (renter) 2.87 3.80 0.69 4.28 8.30 2.05 0.50
Cooking stoves/
ovens (own
home)......... 19.55 8.87 11.48 14.47 26.94 30.02 47.04
Microwave ovens
(renter)...... 4.47 6.49 6.79 5.39 5.42 6.13 1.75
Microwave ovens
(own home).... 9.81 3.73 7.84 9.58 13.37 11.76 23.72
Portable
dishwasher
(renter)...... 0.31 0.00 2.28 0.26 0.23 0.00 0.00
Portable
dishwasher
(own home).... 1.33 1.60 0.00 0.96 0.00 3.87 4.10
Window air
conditioners
(renter)...... 2.43 2.03 1.99 4.99 0.60 0.52 0.54
Window air
conditioners
(own home).... 8.23 8.15 6.37 5.72 8.06 3.73 17.42
Electric floor
cleaning
equipment..... 14.62 9.85 9.39 19.58 17.20 17.77 25.74
Sewing machines 6.08 4.29 9.26 6.21 2.84 8.29 13.83
*Miscellaneous
household
appliances.... 3.39 *6.12 2.43 0.39 2.08 16.15 3.82
Small appliances,
misc. housewares 60.51 39.82 37.60 46.50 71.00 77.96 148.46
Housewares..... 39.14 25.14 21.57 26.52 45.46 47.51 105.70
Plastic
dinnerware.. 1.83 1.88 0.75 1.96 1.66 3.77 3.11
China and
other
dinnerware.. 10.31 5.50 4.06 7.51 16.10 15.23 23.76
Flatware..... 3.44 1.31 1.62 3.30 2.32 3.40 11.15
*Glassware... 9.79 2.40 3.19 4.54 11.70 9.13 36.70
*Silver
serving
pieces...... 0.27 1.17 0.01 0.03 0.05 1.04 0.11
Other serving
pieces...... 1.36 0.72 1.22 1.19 1.11 1.49 3.23
*Nonelectric
cookware.... 12.14 12.16 10.73 7.98 12.53 13.45 27.64
Small
appliances.. 21.37 14.69 16.03 19.98 25.54 30.44 42.76
Small
electric
kitchen
appliances 14.17 9.18 8.45 13.81 17.74 21.71 29.49
Portable
heating/co
oling
equipment. 7.20 5.50 7.58 6.17 7.80 8.73 13.26
Miscellaneous
household
equipment... 382.11 197.19 228.27 333.29 507.95 624.34 867.02
Window
coverings. 13.72 6.79 5.05 11.17 14.42 17.90 42.34
*Infants'
equipment. 3.77 2.50 0.85 4.72 3.47 2.88 11.27
*Laundry
and
cleaning
equip..... 8.52 3.29 10.67 6.53 12.57 7.17 20.96
Outdoor
equipment. 4.73 0.95 2.82 5.19 5.02 9.89 10.42
Clocks..... 5.46 1.68 10.69 4.27 3.57 7.24 10.26
*Lamps and
lighting
fixtures.. 28.40 48.71 9.81 21.24 50.72 42.07 46.18
*Other
household
decorative
items..... 80.30 34.55 27.19 64.72 147.93 129.25 186.25
*Telephones
and
accessorie
s......... 7.25 2.85 1.81 8.51 6.18 4.09 23.72
Lawn and
garden
equipment. 49.12 12.59 51.04 40.12 60.08 100.17 92.96
Power tools 14.39 4.43 4.76 19.44 15.74 26.15 31.17
*Small
misc.
furnishing
s......... 3.39 0.04 0.00 1.23 19.77 2.50 3.08
*Hand tools 13.67 3.23 6.51 12.61 23.57 42.42 18.17
*Indoor
plants,
fresh
flowers... 41.42 25.97 31.91 24.78 34.12 74.01 110.87
*Closet and
storage
items..... 4.62 0.89 0.73 1.25 4.26 4.50 18.01
Furniture
rental.... 3.02 2.83 3.13 2.49 1.75 2.14 3.24
Luggage.... 8.72 1.79 6.85 6.02 9.30 14.24 23.99
Computers
for home
use....... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Telephone
answering
devices... 4.23 1.77 3.22 3.95 3.81 8.37 8.57
Calculators 1.99 1.30 1.24 1.72 2.23 3.74 3.12
Business
equipment
for home
use....... 6.20 1.88 3.84 5.13 9.35 7.42 15.40
*Other
hardware.. 6.95 3.22 6.91 8.51 5.72 7.15 18.71
Smoke
alarms
(own home) 0.54 0.04 1.50 0.53 0.90 0.64 0.55
Smoke
alarms
(renter).. 0.15 0.00 0.05 0.23 0.06 0.02 0.61
Smoke
alarms
(own vac.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other
household
appliances
(own home) 4.25 3.99 1.52 4.45 2.27 7.43 9.60
Other
household
appliances
(renter).. 1.35 2.61 4.35 2.07 0.54 0.68 0.12
*Miscellane
ous
hsehold
equipment
and part.. 18.73 14.19 7.56 20.24 27.91 25.99 37.99
Apparel and
services........ 1537.27 886.12 1085.66 1406.15 1847.24 2396.00 3154.03
Men and boys... 400.67 196.95 260.75 349.53 429.04 666.47 943.93
Men, 16 and
over........ 318.80 142.16 202.12 271.44 340.48 533.15 772.68
Men's suits 41.20 15.86 13.23 30.69 36.93 63.99 133.12
Men's
sportcoats 15.57 3.80 5.33 7.90 17.97 25.65 53.04
*Men's
coats and
jackets... 29.30 8.90 10.79 22.27 26.54 54.07 86.61
*Men's
underwear. 9.72 9.49 9.05 7.71 13.05 10.40 17.16
*Men's
hosiery... 10.34 8.58 9.08 9.30 11.24 20.53 17.50
*Men's
nightwear. 2.89 1.31 0.88 4.49 4.01 1.80 6.37
*Men's
accessorie
s......... 22.88 10.30 14.64 15.23 20.45 47.19 56.32
Men's
sweaters
and vests. 17.65 7.09 7.08 13.16 18.88 25.26 50.07
Men's
active
sportswear 12.10 4.80 5.65 11.75 13.46 18.24 29.17
*Men's
shirts.... 74.17 45.37 55.60 68.02 88.29 133.41 139.09
*Men's
pants..... 70.76 22.61 60.87 65.68 75.41 105.22 163.08
*Men's
shorts/sho
rt sets... 8.29 2.05 6.73 12.56 9.31 20.61 12.89
Men's
uniforms.. 3.16 4.22 2.88 2.05 4.00 6.58 6.18
Men's other
clothing.. 0.77 0.80 0.31 0.62 0.95 0.18 2.09
Boys', 2 to
15.......... 81.86 54.79 58.63 78.09 88.56 133.33 171.25
*Boys'
coats and
jackets... 9.48 1.51 13.68 10.54 5.87 10.64 23.83
Boys'
sweaters.. 3.73 2.44 2.14 2.37 5.37 3.86 8.97
*Boys'
shirts.... 20.55 11.99 14.46 15.76 26.30 45.42 39.42
*Boys'
underwear. 1.55 0.53 0.89 1.61 4.81 1.15 2.25
*Boys'
nightwear. 2.79 2.28 1.04 4.28 3.30 6.20 2.71
*Boys'
hosiery... 3.99 4.43 3.84 4.63 3.97 2.81 7.29
*Boys'
accessorie
s......... 2.77 0.27 1.74 1.61 1.39 6.89 7.66
*Boys'
suits,
sportcoats
, vests... 3.00 1.85 0.38 2.93 1.45 11.49 6.29
*Boys'
pants..... 24.70 25.03 16.95 26.51 23.64 25.99 53.32
*Boys'
shorts,
short sets 3.91 1.70 0.58 3.69 5.66 8.08 6.96
Boys'
uniforms/a
ctive
sportwear. 5.10 2.59 2.69 3.84 6.38 10.48 11.92
Boys' other
clothing.. 0.29 0.17 0.22 0.31 0.43 0.32 0.63
Women and girls 608.90 353.66 425.05 550.45 771.19 950.02 1,190.33
Women, 16 and
over........ 509.83 281.24 376.82 458.04 648.56 773.35 992.62
*Women's
coats and
jackets... 33.49 9.89 12.77 21.91 41.71 80.18 66.72
*Women's
dresses... 83.27 47.32 56.32 65.67 81.62 111.38 185.83
*Women's
sportcoats
, tail.
jkts...... 0.84 0.19 0.68 0.04 0.11 2.69 1.44
*Women's
vests and
sweaters.. 36.74 23.54 35.67 42.26 35.17 62.71 63.75
*Women's
shirts,
tops,
blouses... 85.55 43.28 80.86 72.57 113.40 126.51 156.36
*Women's
skirts.... 29.28 17.84 18.33 25.37 22.72 59.17 65.45
*Women's
pants..... 66.85 33.21 51.28 64.99 108.85 94.87 107.29
*Women's
shorts,
shorts
sets...... 14.23 10.23 11.73 11.30 21.45 27.91 22.87
*Women's
active
sportswear 23.13 13.05 13.34 24.37 46.07 37.59 33.33
*Women's
sleepwear. 22.57 14.68 22.62 23.09 28.70 16.87 49.94
*Women's
undergarme
nts....... 24.38 16.17 21.05 21.01 35.71 28.83 45.68
Women's
hosiery... 25.85 17.40 22.30 25.51 32.18 34.56 46.47
Women's
suits..... 28.04 14.06 9.24 24.03 36.52 32.30 75.08
*Women's
accessorie
s......... 34.46 20.38 20.56 32.04 43.27 54.45 72.36
*Women's
uniforms.. 1.15 0.01 0.06 3.88 1.06 3.32 0.05
*Women's
other
clothing.. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Girls, 2 to
15.......... 99.08 72.42 48.23 92.41 122.63 176.67 197.71
Girls'
coats and
jackets... 7.95 4.80 3.68 10.81 8.51 12.90 13.03
Girls'
dresses,
suits..... 12.02 7.84 8.53 10.60 14.15 20.78 24.03
*Girls'
shirts/blo
uses/sweat
er........ 30.19 20.94 4.47 28.93 36.40 55.73 67.22
Girls'
skirts,
pants..... 16.37 11.46 12.37 15.81 23.92 24.70 27.91
Girls'
shorts,
shorts
sets...... 6.41 4.52 5.81 7.25 7.10 12.03 9.62
*Girls'
active
sportswear 9.32 9.69 3.04 6.23 9.77 22.73 19.94
Girls'
underwear
and
sleepwear. 5.92 4.52 4.77 5.32 8.10 8.51 11.05
*Girls'
hosiery... 4.88 3.68 3.11 3.94 7.41 11.90 6.67
*Girls'
accessorie
s......... 4.08 4.34 2.19 2.18 3.59 5.04 12.81
Girls'
uniforms.. 1.46 0.39 0.23 0.81 2.79 1.17 4.59
Girls'
other
clothing.. 0.48 0.25 0.05 0.53 0.87 1.19 0.84
Children
under 2..... 63.60 41.35 40.49 68.75 96.77 104.17 95.15
Infant coat/
jacket/snows
uit 9b...... 3.02 1.59 2.64 2.53 5.41 3.43 4.94
Infant coat/
jacket/snows
uit 9a...... 0.15 0.00 0.04 0.17 0.25 0.35 0.24
Infant
dresses/oute
rwear 9b.... 14.57 9.48 10.69 16.01 19.55 21.14 25.84
Infant
dresses/oute
rwear 9a.... 0.41 0.43 0.21 0.34 0.66 0.50 0.79
*Infants'
underwear... 36.68 25.00 21.97 40.50 58.19 65.47 47.23
Infant
nightwear/lo
ungewear 9b. 3.13 2.02 1.45 3.83 4.73 4.36 5.20
Infant
nightwear/lo
ungewear 9a. 0.06 0.01 0.00 0.10 0.07 0.12 0.12
Infant other
clothing.... 2.10 1.42 1.31 1.57 2.80 3.21 4.66
Infant
accessories
9b.......... 3.06 1.25 1.81 3.48 4.31 4.82 5.33
Infant
accessories
9a.......... 0.00 0.00 0.00 0.01 0.02 0.01 0.00
Infant
hosiery..... 0.41 0.17 0.37 0.22 0.76 0.76 0.80
*Footwear...... 204.13 141.42 205.46 203.00 253.61 332.12 299.98
*Men's,
footwear.... 62.95 41.07 76.93 78.61 78.10 109.06 72.77
*Boys',
footwear.... 18.19 16.18 9.58 16.18 30.82 14.64 32.55
*Women's
footwear.... 104.54 64.84 110.99 97.66 124.35 156.11 162.71
*Girls'
footwear.... 18.46 19.33 7.97 10.56 20.33 52.31 31.94
Other apparel
products and
services...... 259.97 152.73 153.92 234.41 296.64 343.22 624.63
Material for
making
clothes..... 8.12 6.03 5.93 9.10 8.26 10.87 15.93
Sewing
patterns and
notions..... 2.15 1.44 1.04 2.22 2.75 2.87 3.65
Watches...... 21.65 13.67 15.33 17.82 29.45 32.67 45.59
Jewelry...... 110.35 54.93 47.33 94.40 127.09 153.93 318.74
Shoe repair,
other shoe
service..... 3.46 1.31 2.01 3.19 4.34 4.75 8.11
Coin-operated
apparel
laundry/dry
clean....... 34.25 43.52 46.88 41.09 28.11 27.33 12.67
Apparel
alteration
and repair.. 6.05 3.29 2.54 4.69 6.48 6.95 16.68
Clothing
rental...... 4.77 2.56 2.20 7.80 5.77 4.83 8.96
Watch and
jewelry
repair...... 5.72 2.66 3.10 5.51 8.94 10.91 10.88
Apparel
laundry/dry
clean not
coin oper... 62.72 23.14 27.47 47.83 74.68 86.84 181.00
Clothing
storage..... 0.75 0.19 0.10 0.77 0.78 1.26 2.42
Transportation... 5,140.21 3,127.01 3,840.91 5,302.92 6,704.50 7,779.21 9,714.71
Vehicle
purchases (net
outlay)....... 2,388.19 1,413.38 1,745.63 2,485.58 3,248.39 3,839.91 4,573.46
Cars and
trucks, new. 1,391.73 565.06 984.79 1,223.08 1,894.51 2,685.18 3,007.38
New cars... 991.60 472.12 675.40 782.66 1,565.37 1,777.93 2,163.34
New trucks. 400.13 92.94 309.39 440.42 329.13 907.25 844.04
Cars and
trucks, used 971.12 831.68 750.44 1,221.87 1,330.29 1,132.30 1,504.86
Used cars.. 754.27 641.07 616.47 863.43 974.26 926.36 1,287.37
Used trucks 216.85 190.61 133.97 358.44 356.03 205.94 217.49
Other
vehicles.... 25.34 16.65 10.40 40.63 23.59 22.43 61.22
New
motorcycle
s......... 5.21 0.00 0.00 15.11 0.00 0.55 15.23
New
aircraft.. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Used
motorcycle
s......... 15.86 16.65 10.40 25.53 23.59 21.88 17.57
Used
aircraft.. 4.27 0.00 0.00 0.00 0.00 0.00 28.42
Gasoline and
motor oil..... 933.90 639.11 801.58 974.84 1,189.53 1,328.42 1,459.88
Gasoline..... 812.03 563.62 700.74 860.76 1,037.67 1,152.21 1,237.62
Diesel fuel.. 12.01 5.55 5.31 7.50 16.98 13.33 35.10
Gasoline on
out of town
trips....... 96.47 58.26 82.01 92.50 118.25 145.52 171.41
*Gasahol..... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Motor oil.... 12.55 10.76 12.86 13.24 15.80 16.23 14.25
Motol oil on
out of town
trips....... 0.85 0.91 0.66 0.83 0.82 1.13 1.49
Other vehicle
expenses...... 1,552.56 922.69 1,137.30 1,603.36 1,972.84 2,290.12 3,046.42
Vehicle
finance
charges..... 284.70 107.09 172.61 293.49 397.69 485.81 611.95
Automobile
finance
charges... 196.25 83.07 140.63 200.40 275.36 306.48 412.11
Truck
finance
charges... 71.94 21.29 29.70 77.35 107.00 155.35 144.14
Motorcycle
and plane
finance
charges... 1.67 0.12 0.39 1.51 3.20 4.92 2.34
Other
vehicle
finance
charges... 14.85 2.61 1.89 14.24 12.13 19.06 53.37
Maintenance
and repairs. 568.66 405.19 449.94 610.06 656.51 783.55 1,055.81
Coolant/add
itives/bra
kes, trans
fluids.... 7.15 5.91 7.62 7.65 8.94 9.47 8.01
Tires...... 86.22 55.96 70.42 84.47 115.02 134.28 144.92
*Parts/equi
p/accessor
ies....... 86.80 99.08 46.21 92.07 110.88 99.54 169.51
*Vehicle
products.. 3.92 2.28 2.52 4.57 6.07 5.55 7.35
*Misc. auto
repair/ser
vicing.... 17.18 9.56 10.82 27.74 18.43 28.65 24.87
Body work.. 34.71 22.67 29.98 38.37 32.79 33.62 84.44
Clutch,
transmissi
on repair. 34.54 16.04 32.54 41.79 43.59 42.05 61.22
Drive train
repair.... 7.58 1.64 4.70 12.07 6.41 10.31 16.45
Brake work. 33.05 19.72 23.74 32.66 38.01 48.21 61.30
Steering
repair.... 11.64 7.18 10.27 12.11 10.17 23.19 18.63
Cooling
system
repair.... 22.87 17.79 23.71 21.85 24.60 31.59 42.28
Motor tune-
up........ 40.07 26.28 29.50 35.55 42.71 54.54 91.82
Lubrication
, oil
change.... 24.67 17.90 21.17 24.21 30.88 32.99 45.55
Front end
alignment,
wheel
balance... 9.30 4.12 8.02 9.91 12.59 11.68 18.51
Shock
absorber
replacemen
t......... 6.01 2.55 3.04 7.11 5.80 7.10 15.43
Brake
adjustment 4.75 1.22 3.57 4.86 5.29 6.43 11.02
*Gas tank
repair,
replacemen
t......... 0.09 0.00 0.01 0.01 0.01 0.02 0.52
Minor
repair/ser
ve out-of-
town trip. 1.92 0.42 0.77 2.78 1.01 5.41 2.84
Repair
tires and
other
repair
work...... 29.23 18.16 24.27 31.48 33.68 43.76 48.81
Exhaust
system
repair.... 14.55 6.71 18.06 16.15 16.86 22.09 19.92
Electrical
system
repair.... 20.35 12.22 15.61 22.14 19.66 34.50 34.88
Motor repair/
replacement. 63.53 51.77 55.00 71.06 62.61 82.11 112.89
Auto repair
service
policy...... 8.54 6.01 8.38 9.44 10.51 16.46 14.61
Vehicle
insurance..... 515.06 314.32 409.50 544.70 665.71 728.25 958.57
Vehicle
rental
licenses and
other
charges..... 184.14 96.11 105.26 155.11 252.94 292.51 420.08
Leased and
rented
vehicles.. 68.54 25.20 27.47 42.79 96.33 124.51 195.33
Auto rental 44.36 19.82 22.04 28.67 65.00 90.57 110.70
Auto
rental,
out-of-
town trips 6.78 4.07 3.64 4.97 5.28 15.25 18.62
Truck
rental.... 12.51 0.54 1.21 6.70 22.25 13.41 45.18
Truck
rental,
out-of-
town trip. 3.99 0.77 0.23 1.77 2.33 4.78 17.45
Motorcycle
rental.... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Aircraft
rental.... 0.47 0.00 0.00 0.09 1.45 0.26 1.54
Motorcycle
rental out-
of-town... 0.04 0.00 0.00 0.00 0.00 0.00 0.26
Aircraft
rental/out-
of-town
trips..... 0.40 0.00 0.35 0.59 0.01 0.22 1.58
State/local
registration 67.04 45.21 49.91 70.39 96.23 99.31 112.03
Drivers
license..... 6.59 5.47 6.43 6.62 9.23 7.71 9.58
Vehicle
inspection.. 6.33 5.13 4.52 6.17 8.61 9.70 9.56
Parking fees. 20.50 8.41 7.38 14.30 23.35 30.90 59.74
*Tolls....... 5.96 0.92 2.04 6.67 6.82 7.92 18.48
Tolls on out-
of-town
trips....... 4.12 1.80 2.31 3.79 5.39 6.29 9.05
Towing
charges..... 5.05 3.97 5.21 4.38 6.97 6.18 6.32
Public
transportation 265.56 151.82 156.40 239.14 293.73 320.76 634.96
Airline fares 176.01 79.22 89.55 158.79 193.56 232.90 471.55
Intercity bus
fares....... 14.30 11.67 7.13 12.41 27.86 10.82 14.74
Intracity
mass transit
fares....... 41.07 44.70 42.94 38.53 32.98 34.12 64.33
Local trans.
out of town
trips....... 0.54 0.20 0.15 0.50 0.65 1.04 1.21
Taxi fares on
trips....... 4.86 1.76 1.32 4.47 5.86 9.39 10.88
Taxi fares... 5.89 5.76 5.59 6.42 8.41 3.74 7.36
Intercity
train fares. 9.04 3.31 6.07 8.18 4.87 14.49 22.78
Ship fares... 13.00 4.30 3.37 9.46 19.05 12.55 39.62
School bus... 0.86 0.91 0.29 0.38 0.49 1.70 2.48
Health care...... 1282.43 1385.50 1299.71 1328.49 1367.25 1531.77 1568.44
Health
insurance..... 473.36 480.42 474.00 537.14 475.48 543.90 518.80
Commercial
health
insurance... 165.28 118.03 170.96 208.24 195.72 255.42 207.76
Blue Cross/
Blue Shield. 116.52 120.47 102.86 127.18 114.09 111.37 146.61
Health
maintenance
plans
(HMO's)..... 48.48 27.40 44.11 57.95 67.51 84.53 66.81
Medicare
payments.... 78.60 130.87 101.55 71.71 41.13 31.51 32.52
Commercial
medicare
supplements
and other
health
insurance... 64.48 83.66 54.53 72.07 57.02 61.07 65.10
Medical
services...... 512.73 587.65 540.82 487.31 551.59 676.69 701.33
Physician's
services.... 149.19 147.96 158.15 160.54 202.90 205.76 154.17
Dental
services.... 150.89 111.17 96.11 150.62 192.81 211.77 291.66
Eye care
services.... 22.70 25.67 11.56 24.89 24.45 24.55 37.32
Service by
other than
physicians.. 22.62 11.11 10.65 32.64 33.87 28.23 37.72
Lab test,
xrays....... 26.78 23.57 29.34 26.95 25.75 28.61 43.93
Nurse,
therapy/misc
medical
service..... 4.21 1.24 -3.70 1.59 1.80 1.01 20.02
Hospital room 54.96 72.02 71.99 50.56 28.43 95.50 82.57
Hospital
services
other than
room........ 26.61 57.38 52.02 28.85 22.89 39.94 -0.69
Care in
convalescent
or nursing
home........ 40.86 129.58 105.34 4.48 2.60 18.57 14.65
*Repair of
medical
equipment... 0.05 0.00 0.00 0.00 0.00 0.00 0.00
Other medical
care
services.... 13.86 7.94 9.35 6.19 16.09 22.77 20.00
Drugs.......... 225.28 255.13 228.07 243.50 250.24 216.93 231.03
*Non-
prescription
drugs....... 65.79 71.19 57.80 74.26 86.34 75.99 72.99
Prescription
drugs....... 159.49 183.94 170.27 169.24 163.91 140.94 158.04
Medical
supplies...... 71.06 62.30 56.83 60.54 89.93 94.24 117.28
Eyeglasses... 45.18 38.08 36.80 44.92 56.67 64.90 76.60
*Topicals and
dressing.... 14.40 11.82 10.29 11.38 19.22 24.24 25.72
Medical
equipment
for general
use......... 5.29 4.78 4.32 1.83 4.67 4.14 5.12
Supportive/co
nval med.
equip....... 5.70 7.46 4.81 2.02 8.91 0.65 9.30
Rental of
medical
equipment... 0.50 0.16 0.61 0.38 0.47 0.31 0.55
*Hearing aids 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Entertainment.. 1348.90 802.34 856.00 1191.35 1510.43 1994.64 3148.34
Fees and
admissions.. 351.99 139.16 185.75 309.51 419.64 525.52 879.59
Recreation
expenses,
out of
town trips 17.85 6.68 9.72 19.86 20.46 28.40 38.78
Club
membership
dues and
fees...... 76.68 31.73 44.57 57.91 79.31 90.82 230.17
Fees for
participat
ion sports 46.90 22.19 29.18 46.82 63.52 68.77 102.29
Participant
sports out-
of-town
trips..... 18.96 5.94 9.50 15.44 23.16 34.10 44.73
Movie,
theater,
opera,
ballet.... 61.08 29.29 33.53 50.31 70.94 82.33 149.40
Movie, oth
admissions
out of
town...... 25.91 9.78 14.04 28.74 35.89 37.17 52.04
Admission
to
sporting
events.... 19.63 7.38 9.75 17.81 18.39 41.10 46.63
Admission
to sports
events out-
of-town... 25.91 9.78 14.04 28.74 35.89 37.17 52.04
Fees for
recreation
al
lessions.. 41.23 9.71 11.70 24.00 51.63 77.27 124.72
Oth ent
serv, out-
of-town
trip...... 17.85 6.68 9.72 19.86 20.46 28.40 38.78
Television,
radios and
sound
equipment... 422.50 296.54 322.08 416.12 493.78 576.29 788.05
Televisions 295.95 228.52 244.28 299.91 344.82 398.08 509.85
Community
antenna or
cable tv.. 137.94 110.11 118.89 142.38 161.32 184.08 218.51
*Black and
white tv.. 2.84 0.65 0.00 1.95 0.00 0.00 16.41
Color tv--
console... 23.60 16.77 20.77 28.58 27.00 24.27 31.30
Color tv--
portable/t
able model 43.50 36.42 37.50 48.29 39.51 54.93 71.38
Vcr's/video
disc
players... 47.70 38.08 36.49 41.57 69.42 66.10 95.51
Video
cassettes/
tapes/disc
s......... 13.44 8.31 8.72 11.97 18.39 21.56 28.99
Video games
hardware/s
oftware... 14.88 5.40 7.91 16.27 17.25 31.40 29.94
Repair of
tv/radio/s
ound
equipment. 10.43 8.54 11.52 8.32 10.43 15.74 17.75
Rental of
television
s......... 1.61 4.24 2.48 0.57 1.49 0.00 0.04
Radios, sound
equipment... 126.55 68.03 77.80 116.21 148.96 178.21 278.21
*Radios.... 4.84 1.81 1.57 3.99 7.25 8.26 11.80
*Phonograph
s......... 0.53 0.00 0.00 0.00 0.00 0.40 3.36
*Tape
recorders
and
players... 10.50 7.02 7.43 0.51 0.96 9.12 27.49
Sound
components
/component
systems... 28.64 22.73 17.34 35.08 23.87 45.24 62.93
*Misc sound
equipment. 0.16 0.55 0.09 0.00 0.24 0.00 0.35
*Sound
equip
accessorie
s......... 4.29 1.46 1.12 12.72 4.33 1.68 6.77
Record/tape
club...... 4.17 2.18 4.62 3.63 7.45 6.14 5.91
Records,
tapes,
needles,
styli..... 25.86 14.32 15.10 20.10 29.81 39.90 57.19
Rental of
vcr/radio/
sound
equip..... 1.59 0.70 1.56 1.98 1.54 0.39 1.40
Musical
instrument
s/accessor
ies....... 20.58 3.32 12.63 13.86 37.81 24.77 53.28
Rent/repair
music
instrument
s......... 2.12 0.30 1.16 1.62 1.95 4.09 5.25
Rental of
video
cass./tape
s/disc/fil
ms........ 23.27 13.65 15.18 22.74 33.76 38.22 42.49
Pets, toys and
playground
equip......... 242.26 134.73 182.82 234.32 336.90 354.45 457.26
Pets......... 136.31 77.25 119.89 125.55 183.79 180.89 259.08
*Pet food.. 66.61 53.55 46.56 63.13 93.51 83.41 108.50
*Pet-purch/
supplies/m
edicine... 25.23 5.71 43.99 24.37 29.83 28.53 49.96
Pet
services.. 10.64 4.26 4.40 9.06 14.74 19.11 26.24
Vet
services.. 33.84 13.73 24.94 28.99 45.71 49.75 74.38
Toys, games,
hobbies, and
tricycles... 102.96 57.26 62.55 107.09 149.80 167.96 187.24
Playground
equipment... 2.98 0.22 0.38 1.69 3.31 5.69 10.94
Other
entertainment
supplies,
equip., serv.. 332.16 231.90 165.36 231.39 260.12 538.39 1023.44
Unmotor boats
and trailers 24.02 2.29 0.00 22.31 7.09 46.24 96.99
Boats w/o
motor/boat
trailers.. 18.32 1.83 0.00 18.35 4.76 33.83 73.57
Trailer/oth
er
attachable
campers... 5.70 0.46 0.00 3.96 2.34 12.41 23.42
Powered
sports
vehicles.... 137.44 168.02 56.37 51.83 40.89 217.35 510.44
Motorized
camper
coach/othe
r vehicles 38.79 83.50 11.55 1.65 28.53 22.53 134.38
Purchase of
boat with
motor..... 98.65 84.52 44.82 50.19 12.36 194.81 376.06
Rental of
sports
vehicles.... 2.33 0.00 1.06 1.43 1.14 3.90 8.13
Rental non-
camper
trailer..... 0.06 0.00 0.00 0.23 0.02 0.00 0.09
Boat/trailer
rent out of
town........ 0.94 0.00 0.50 0.02 0.69 3.17 1.94
Rental camper/
oth vehicles
on trips.... 0.58 0.00 0.52 0.30 0.24 0.57 2.51
Rental of
boat........ 0.23 0.00 0.04 0.00 0.00 0.16 1.42
Rental of
campers oth
r.v......... 0.52 0.00 0.00 0.87 0.19 0.00 2.17
Outboard motors 1.28 1.43 1.35 0.11 0.51 0.22 5.79
Docking/landing
fees.......... 5.33 0.17 2.51 3.30 3.12 5.73 20.20
Sports
equipment..... 86.67 27.99 52.35 82.59 113.75 136.51 211.99
Athletic gear/
game tables/
ex. equip... 34.85 9.06 26.36 33.84 38.39 61.59 85.92
Bicycles..... 12.28 5.80 6.60 12.50 17.62 20.21 23.55
Camping
equipment... 3.26 1.35 1.33 1.45 4.94 4.43 9.21
Hunting and
fishing
equipment... 15.91 5.09 11.57 15.40 22.84 24.90 36.25
Winter sport
equipment... 4.86 0.94 2.24 3.99 5.69 3.92 16.95
Water sport
and misc.
sport
equipment... 13.20 3.66 4.03 12.31 22.46 17.71 34.87
Rental/repair
of misc
sports
equipment... 2.31 2.09 0.22 3.09 1.80 3.76 5.25
Photographic
equipment and
supplies...... 69.61 28.16 48.35 67.06 83.07 119.31 157.10
Film........... 19.96 9.29 13.73 20.05 22.90 32.28 43.61
*Other
photographic
supplies.... 0.64 2.38 1.01 0.26 0.15 0.24 1.17
Film
processing.. 25.21 10.72 15.21 23.97 28.28 41.48 59.82
Rent/repair
photo
equipment... 0.24 0.05 0.42 0.30 0.27 0.34 0.47
Photographic
equipment... 15.43 5.16 7.28 13.04 20.47 25.46 40.91
*Photographer
fees........ 8.12 0.56 10.71 9.45 11.00 19.51 11.12
*Fireworks..... 0.51 0.99 0.26 0.00 0.00 0.00 2.37
*Souvenirs..... 0.44 0.00 0.00 0.00 0.49 0.38 2.15
*Visual goods.. 0.76 0.00 0.00 0.42 0.67 0.00 3.83
*Pinball,
electronic
video games... 3.78 2.87 3.11 2.34 9.38 8.74 4.45
Personal care
products and
services.......... 345.68 249.04 282.21 324.70 420.30 478.79 651.43
Personal care
products........ 179.05 136.69 166.87 169.79 198.77 245.49 335.33
*Hair care
products...... 40.57 34.79 36.67 37.36 41.43 56.30 77.75
*Non-elec
articles for
the hair...... 4.26 3.55 2.64 5.57 4.31 6.79 8.37
Wigs and
hairpieces.... 1.07 0.47 0.91 0.59 1.50 0.34 2.71
*Oral hygiene
products,
articles...... 18.16 13.60 18.18 16.89 22.18 22.44 29.63
*Shaving needs. 8.49 8.31 12.14 8.22 9.09 11.31 13.16
*Comestic,
perfume, bath
prep.......... 77.63 55.67 73.62 72.41 90.11 102.03 148.23
*Deodorant,
feminie
hygiene, misc.
pers car...... 23.52 17.79 19.75 23.84 22.08 38.47 43.65
Electric
personal care
appliances.... 5.35 2.51 2.95 4.92 8.07 7.80 11.83
Personal care
services........ 166.63 112.35 115.34 154.91 221.54 233.30 316.10
*Personal care
services/femal
es............ 89.35 61.33 58.80 83.46 127.40 112.04 174.08
Personal care
services/males 77.12 50.83 56.42 71.27 93.93 120.95 141.78
Repair of
personal care
applicances... 0.16 0.19 0.11 0.18 0.21 0.31 0.24
Reading.......... 152.49 93.38 113.87 142.11 185.46 229.92 287.41
Newspapers..... 63.99 47.96 53.05 63.85 72.82 84.18 105.97
Magazines...... 38.92 21.42 31.03 38.54 45.36 65.91 71.63
*Newsletters... 0.04 0.00 0.00 0.00 0.00 0.42 0.00
Book thru book
clubs......... 10.63 6.87 8.72 8.86 15.44 16.33 21.60
Books not thru
book clubs.... 35.24 16.73 20.13 28.28 48.03 54.12 79.39
Encyclopedia
and oth sets
of refer books 3.67 0.40 0.95 2.57 3.81 8.97 8.81
Education........ 324.43 187.02 118.84 190.35 322.81 349.24 835.73
Sch books, supp
for day care,
nursery, oth.. 2.52 1.44 1.58 1.30 6.04 2.25 4.76
College tuition 176.75 91.59 47.50 99.69 186.76 125.89 458.90
Elementary/high
school tuition 53.20 6.10 10.62 25.10 34.39 97.91 204.78
Other school
tuition....... 15.29 8.32 17.55 9.00 13.94 21.58 31.48
Oth school
expenses incl
rentals....... 15.78 14.42 10.07 10.77 13.45 22.64 33.02
Sch bks/
supplies for
college....... 26.56 25.25 17.75 16.63 24.53 16.65 41.08
Sch bks/supp
for elem/high
sch........... 6.23 5.70 3.25 5.64 7.82 9.59 11.28
*School
supplies,
etc.--unspecif
ied........... 28.10 34.20 10.53 22.22 35.87 52.73 50.44
Tobacco products
and smoking
supplies........ 242.33 221.48 250.05 262.82 292.87 249.43 270.28
Cigarettes..... 224.61 197.67 235.29 244.22 273.20 230.82 251.80
Other tobacco
products...... 15.28 15.85 13.94 16.00 17.99 17.73 17.12
*Smoking
accessories... 2.44 7.96 0.82 2.60 1.69 0.88 1.37
*Marijuana..... 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Miscellaneous.... 597.58 345.77 474.63 553.17 769.62 811.02 1182.12
*Miscellaneous
fees,
parimutuel
losses........ 38.61 20.23 56.87 26.40 62.29 47.69 76.50
Legal fees..... 104.50 81.84 49.27 109.06 133.34 62.67 255.98
Funeral
expenses...... 49.32 44.70 82.98 57.05 13.57 49.05 18.62
Safety deposit
box rental.... 5.69 4.05 3.61 5.05 5.86 6.20 12.59
Checking
accounts, oth
bank services. 25.19 16.23 26.64 28.95 33.62 38.14 31.99
Cemetery lots
or vaults..... 17.66 14.30 25.91 12.86 13.74 12.52 18.29
Accounting fees 39.87 18.96 20.72 33.62 52.32 47.89 93.19
*Miscellaneous
personal
services...... 23.02 14.53 16.61 12.43 39.32 40.69 47.86
Finance chgs.
excl. mortgage
veh........... 203.45 89.63 149.53 217.35 284.11 321.25 408.61
Occupational
expenses...... 90.26 41.30 42.48 50.40 131.46 184.94 218.49
Cash
contributions... 730.19 352.83 486.72 529.28 781.16 956.30 2102.92
Cash contri non-
CU memb, inclu
alimony and
students at
college (Sec
22)........... 179.06 64.23 108.84 127.13 209.98 235.99 549.04
Gifts non-CU
members....... 149.99 70.48 52.77 109.45 161.57 162.57 485.66
Contributions
to charities.. 69.16 13.23 38.96 32.84 65.78 99.80 244.53
Contributions
to church..... 295.54 197.57 276.14 242.30 322.49 423.81 661.17
Contributions
to educa.
organizations. 17.97 1.07 2.76 2.95 12.56 12.48 89.44
Political
contributions. 7.29 0.89 1.75 2.38 6.73 10.74 30.82
Other
contributions. 11.18 5.37 5.50 12.23 2.05 10.90 42.27
Personal
insurance and
pensions........ 2532.36 682.85 1373.19 2097.59 3266.30 4542.32 6883.06
Life and other
personal
insurance..... 324.17 137.92 280.62 301.69 354.87 494.30 729.64
Life/endow/an
nuit/oth
pers ins.... 312.04 132.62 275.54 290.33 342.68 468.16 704.02
Other non-
health
insurance... 12.13 5.30 5.08 11.36 12.19 26.13 25.62
Retirement,
pensions,
social
security...... 2208.19 544.93 1092.57 1795.89 2911.44 4048.02 6153.42
Deduction for
government
retirement.. 65.36 4.38 25.17 48.33 82.39 119.99 211.42
Deductions
for railroad
retirement.. 6.23 0.00 1.33 0.24 19.12 16.29 13.24
Deductions
for private
pensions.... 156.10 11.73 39.55 84.28 160.98 328.55 564.77
Deductions
for self-
employment
IRA's and
Keogh plans. 297.28 36.24 78.45 181.88 333.32 494.25 1049.52
Deductions
for social
security.... 1683.21 492.58 948.07 1481.16 2315.63 3088.94 4314.48
----------------------------------------------------------------------------------------------------------------
\1\Components of income and taxes are derived from ``Complete income reporters'' only; see glossary.
Appendix 2.--Market Basket Descriptions
Food at Home:
Ground Beef.................. Price per Lb of regular ground beef. Average size package. Loose, pre-
packaged. Do not price lean.
Round Steak, boneless........ Price per Lb. Average size package.
1st choice: Boneless top round steak.
2nd choice: Boneless bottom round steak.
Round Roast, boneless........ Price per Lb. Average size package.
1st choice: Top round roast.
2nd choice: Rolled rump roast.
Pork Chops, bone in.......... Price per Lb. Average size package.
1st choice: Center cut, rib chops.
2nd choice: Loin chops.
Bacon, sliced................ Price for 16 Oz (1 Lb) package Oscar Mayer regular sliced bacon.
Chicken, whole............... Price per Lb of 1 whole fryer chicken. If whole fryer not available, price a
whole fryer chicken, cut-up.
Fish filet, frozen........... Price per Lb of frozen ocean whitefish filet.
1st choice: Cod or haddock.
2nd choice: Regional fish.
Please record fish type in comment section.
Tuna, canned................. Price for 6.13 Oz can chunk light, packed in water.
(Not fancy style.)
1st choice: Star Kist.
2nd choice: Chicken of the Sea.
Lunch meat................... Price for 8 Oz pkg., Oscar Mayer.
1st choice: bologna.
2nd choice: cotto salami or all-beef bologna.
Ham, canned.................. Price for 3 Lb tin of canned ham.
1st choice: Hormel.
2nd choice: Dubuque.
Do not price Hormel's supreme cut ham.
Frankfurters................. Price for 16 Oz (1 Lb) package, Oscar Mayer all beef frankfurters.
Eggs, large.................. Price for one dozen.
Fish, fresh.................. Price per Lb of a salmon steak.
Milk, 2%..................... Price for one gallon (128 fl. Oz), 2%. Lowest priced store brand.
Cheddar Cheese............... Price per Lb.
1st choice: Kraft Cracker Barrel, mild cheddar cheese.
2nd choice: Kraft Cracker Barrel, sharp yellow cheddar cheese.
Ice Cream.................... Price for \1/2\ gallon of Sealtest vanilla ice cream. Do not price ice milk.
Bread, white................. Price for 16 Oz loaf of a regional brand of sliced white bread. Do not price
store brand. Please record brand in comment section.
Spaghetti, dry............... Price for 16 Oz box or bag of spaghetti.
1st choice: Creamettes.
2nd choice: Muehler's.
3rd choice: Golden Grain.
4th choice: American Beauty.
Cereal....................... Price for box of Kellogg's Corn Flakes.
1st choice: 18 Oz box.
2nd choice: Different size box of Kellogg's Corn Flakes.
Cookies...................... Price for 16 Oz package of Nabisco Oreo Cookies.
Frozen Waffles............... Price Kellogg's Eggo Waffles, price 12 waffle package.
Hamburger Buns............... Price for 12 OZ (340 G) package of 8 sliced regional brand enriched white
hamburger buns. Do Not Price Store Brand. Please record brand in comment
section.
Donuts....................... Price for box of 12 Hostess glazed donuts.
Apples, fresh................ Price per LB of Red Delicious apples. If apples are priced by the bag, report
the price and weight of the bag--use the store's scale if necessary. Price
medium-size apples if possible.
Bananas, fresh............... Price per LB. If bananas are priced by the bunch, report the price and weight
of the bunch-use the store's scale if necessary.
Tomatoes, fresh.............. Price per LB. Price medium-size tomatoes if possible. Do Not Price Organic or
`Hydro' Fresh Tomatoes.
Potatoes..................... Price for 10 LB bag of lowest priced white potatoes. If 10 LB bag is not
available, substitute nearest size sack. Please price potatoes by the bag
since potatoes priced by the pound are not comparable to bagged potatoes.
Frozen Orange Juice.......... Price for 12 FL OZ (makes 48 FL OZ) can of Minute Maid frozen orange juice
concentrate.
Tomato Juice................. Price for 16 FL OZ can of tomato juice.
1st choice: Campbell's.
2nd choice: Libby's.
Peaches, canned.............. Price for 16 OZ can of sliced yellow cling peaches.
1st choice: Del Monte.
2nd choice: Libby's.
Peas, frozen................. Price for 16 OZ pkg. of Green Giant frozen peas. Do Not Price Peas With
Sauce.
Green Beans, canned.......... Price for 16 OZ can of cut Del Monte green beans.
Oranges, fresh............... Price per LB of Florida oranges. If oranges are priced by the bag or by the
orange, report the price and weigh a bag--using the store's scale if
possible. Price naval medium-size oranges if possible.
Lettuce, fresh............... Price for 1 head of iceberg lettuce. If lettuce is priced by weight, report
the price and also report the weight of an average head.
Celery, fresh................ Price for 1 bunch of celery. Do Not Price Celery Hearts.
Fruit Drink.................. Price for 46 FL OZ can.
1st choice: Hawaiian Punch.
2nd choice: HI-C, regular.
Soft Drink................... Price of 2 L (liter) plastic bottle.
1st choice: Coca-Cola.
2nd choice: Pepsi.
Coffee, ground............... Price for 13 OZ can of ground coffee.
1st choice: Folger's Drip Grind.
2nd choice: Maxwell House.
Canned Soup.................. Price for one can Campbell's soup.
1st choice: Vegetable 10\1/2\ OZ.
2nd choice: Chicken Noodle 10\3/4\ OZ.
Snack Food................... Price for 6 OZ bag or box of potato chips.
1st choice: Ruffles.
2nd choice: Lays Dip Chips.
Salt......................... Price for 26 OZ box of iodized salt.
1st choice: Morton.
2nd choice: Ivory
3rd choice: Private Label.
Ketchup...................... Price for 28 OZ plastic squeeze bottle of ketchup.
1st choice: Heinz.
2nd choice: Del Monte.
Cooking Oil.................. Price for 48 FL OZ bottle.
1st choice: Crisco.
2nd choice: Wesson.
Margarine.................... Price for 1 LB, four sticks.
1st choice: Blue Bonnet.
2nd choice: Parkay.
Frozen Dinner................ Price for 11.5 OZ (326 G) Swanson-Turkey, whipped potatoes, peas, and fruit
compote, frozen dinner.
Jello Gelatin................ Price for 3 OZ box of Jello Gelatin dessert.
Baby Food.................... Price for one 4.0 OZ jar of Gerber Second Foods strained vegetable or fruit.
Candy Bar.................... Price for one 2.07 OZ Snickers candy bar. If not available, price most
popular brand of same size.
Sugar, granulated............ Price for 5 LB bag of granulated cane or beet sugar, lowest price available.
Do Not Price Generic Sugar.
Bottled Water................ Price for one gallon (store brand) (128 FL OZ) bottled spring water. Do Not
Price Sparkling or Distilled Water.
Food Away From Home:
Breakfast.................... Price for typical breakfast, such as, bacon and 2 eggs or waffles, coffee and
juice. Report percentages added for tax, tip and service charge.
Lunch........................ Price for typical lunch, such as, chef's salad or cheeseburger platter and
small soft drink. Report percentages added for tax, tip and service charge.
Dinner....................... Price for typical dinner, such as, New York strip or seafood platter and
coffee. Report percentages added for tax, tip and service charge.
Fast Food Lunch/Dinner....... Average price of a meal at a fast food establishment. Price for typical meal,
such as, Big Mac or Whopper, medium french fries and medium coke.
Ice Cream Cone............... Price for regular (one scoop) vanilla ice cream cone.
Tobacco:
Cigarettes, king size........ Price for 1 carton (200 cigarettes) of Winston filter-kings soft pack. Do Not
Include Sales Tax.
Alcohol:
Beer at Home................. Price for a six-pack of 12 OZ cans of Budweiser (Puerto Rico--10 OZ). Do Not
Price Refrigerated Beer.
Wine at Home................. Price for 750 ML of Gallo white chablis blanc.
Beer Away.................... Price for glass of Budweiser/Miller Lite beer. List percent for tax.
Wine Away.................... Price of house white wine. List percent for tax.
Furnishings, Household
operations:
Appliance repair............. Price to replace oven thermostat control for Maytag Model #CRE9400. Include
hourly rate, trip charge and parts cost. Part Number #7430P010-60.
Housekeeping Services........ Price per hour for bi-weekly cleaning. House approximately 2,000 sq. ft.
Family size four. Please complete items in the Comment Section. Services
include the following:
Bathroom(s)--Sanitize walls, floor, counter tops, bathtub, stool
Kitchen--Sanitize walls, floor, counter tops, cabinets, appliances
Living Room & Dining Room--Dust, polish furniture and vacuum
Bedrooms--Dust, polish furniture and vacuum.
If other services are included, please note.
Moving....................... Price per hour for a within-city move, two men with enclosed van. Include any
van rental fees.
Toilet Tissue................ Price for a 4 roll pack
1st choice: Cottonelle.
2nd choice: Northern.
Pen.......................... Price for 10 pack Bic round stic medium pen.
Postage...................... Price for First Class postage for a letter.
Laundry Soap................. Price for 100 FL OZ of liquid household laundry detergent.
1st choice: Tide.
2nd choice: Cheer.
Plant Food................... Price for 8 OZ container of indoor plant food.
1st choice: Miracle Grow.
2nd choice: Peters.
Bed Sheet Set................ Price for one set queen-size no-iron cotton & polyester percale sheets (180
thread count). One set consists of one fitted sheet, one flat sheet and two
pillowcases. Do not price designer sheet sets. Price sheet sets with minimum
design.
Bath Towell.................. Price for a 27x50 inch Cannon Portofino bath towel made of 100% cotton.
Living Room Chair............ Price for a recliner chair, that is button backed with base construction of
15 zigzag springs.
1st choice: Lane.
2nd choice: Lazy Boy.
Do Not Price Special Order Fabric.
Bedroom Group................ Price for nightstand, headboard, 5-drawer chest, triple dresser with mirror.
Solid wood top, front mirror frame and headboard. Veneer sides. Drawer
construction should have French dovetail joints and dust plate.
Dining Room Table............ Price for table with center pedestal and four standard double rung chairs.
Table should have veneer top and double runners for leaves with both
portions of the table moveable.
Washing Machine.............. Price for large capacity washing machine with 4 water temperatures, 3 wash
cycles (regular, permanent press & knits/delicate), white porcelain tub,
self-clean lint filter, fabric softener dispenser and 2 speed combinations.
1st choice: Maytag Model #LAT7793.
2nd choice: General Electric Model #WWA7600R.
3rd choice: Whirlpool Model #LLR6233A.
Kitchen Range................ Price for 30-inch electric range with upswept cooktop, removable coil
elements, electronic clock with timer, oven light, delay-start cook control,
storage drawer, selfcleaning oven with two oven racks and a porcelain enamel
broiler pan.
1st choice: Maytag Model #CRE9400.
2nd choice: General Electric Model #JBP5565.
3rd choice: Whirlpool Model #RF385PXYW.
Refrigerator................. Price for no-frost top-mount 21 cubic ft. refrigerator with reversible doors
and energy saver switch, 4 split glass shelves, fixed glass crisper shelf
with 2 sealed/moisture controlled crisper drawers, double wall meat drawer.
Door contains 2 covered dairy compartments, 1 deep fixed bin, 4 deep
adjustable bins. Freezer has 2 adjustable wire shelves, 2 deep fixed door
bins and 4 ice trays.
1st choice: Maytag Model #RTD2100CAE.
2nd choice: General Electric Model #TBX22PAS.
3rd choice: Whirlpool Model #ET22RKXZ.
Vacuum....................... Price for upright vacuum cleaner with 6.5 amps, 120 volts, six above-the-
floor attachments, height adjustment, regular bag and 20-foot cord.
1st choice: Eureka Model #9334AT.
2nd choice: Hoover Model #U4671-910.
Two-slice Toaster............ Price for two-slice toaster, chrome body, wide slot with pastry defrost
setting.
1st choice: Proctor-Silex Model #T620B.
2nd choice: Black & Decker Model #T200.
Casserole Dish Set........... Price for Corning-Ware trio casserole set with 1 QT, 1.5 QT, and 2 QT dishes
and 3 covers (two plastic covers and one glass).
China........................ Price for the Corelle Impressions line Abundance pattern tableware set. Set
consists of 20 pieces: 4 dinner plates, 4 luncheon plates, 4 bowls, 4 cups,
and 4 saucers. The pattern is beige with a fruit and flower motif.
Electric Drill............... Price for 6.0 volt reversible cordless electric drill with overnight
recharge.
1st choice: Black & Decker Model #CD2000.
2nd choice: Skil Model #2305.
Lawn Trimmer................. Price for gas powered 31 CC two-cycle engine single line lawn trimmer with a
17 inch wide cut.
Red Roses, Fresh Cut......... Price for one dozen long stemmed, fresh cut red roses.
Hammer....................... Price for Stanley curved claw hammer with a 16 OZ head, wood handle, high
carbon steel head, black finish. Overall length 13\1/4\''.
1st choice: Model #51616.
2nd choice: Model #51416.
Window Shade................. Price 37\1/2\ inch wide window shade.
Toilet Lid Cover............. Price for Cannon Portofino standard toilet lid cover made of 100% nylon.
Clothing:
Man's Suit................... Price for two-piece single-breasted business suit of the type generally worn
to the office. Conservatively colored and styled with a fabric blend of 45%
wool and 55% polyester.
Man's Jeans.................. Price of straight leg regular fit jeans.
1st choice: Levi's #505.
2nd choice: Lee regular fit.
Do Not Price Bleached Jeans.
Man's Dress Shirt............ Price for white or solid color, long sleeve, button cuff, plain collar dress
shirt, approximately 35% cotton, 65% polyester. A dress shirt will have
exact collar and sleeve sizes. Example: 15\1/2\ collar, 34 sleeve.
Possible brands: Arrow, Van Heusen.
Man's Jacket................. Price for unlined Levi's jean jacket. Cotton denim with button front, two
chest pockets and two side pockets.
Boy's Jeans.................. Price of loose fit jeans (size 8-14).
1st choice: Levi's #560.
2nd choice: Lee loose fit.
Boy's Shirt.................. Price for screen-printed t-shirt commonly worn by boys ages 8 through 10
years (size 7-14). Pullover with crew neck, short sleeves and polyester/
cotton blend.
Possible brand: Ocean Pacific.
Man's Undershirt............. Price for white 100% cotton undershirts with short sleeves, set of three. If
not in set of three, report the number of undershirts in package.
Possible brands: Hanes, Fruit of the Loom.
Woman's Dress................ Price of misses mid-sleeve shirt waist dress appropriate for office attire.
Exclude any unusual ornamentation. The dress should be unlined and 100%
rayon.
Possible brands: Stewart Allen, Lesley Fay.
Woman's Blouse............... Price of 100% polyester, white, long sleeve, button front blouse with minimum
trim.
Possible brands: Wrapper, Girls, Girls, Girls.
Woman's Slacks............... Price for misses unlined slacks appropriate for office attire. The slacks
should be a blend of cotton and polyester without a belt.
Possible brands: Donnkenny, Alfred Dunner.
Woman's Sweater.............. Price for 100% cotton, crew neck sweater with rib knit cuffs and bottom.
Exclude any unusual ornamentation or patterns.
Woman's Jacket............... Price for unlined windbreaker.
Woman's Accessories.......... Price for split-grain, cowhide leather, checkbook clutch wallet.
Possible brands: Michael Stevens, Mundi.
Girl's Dress................. Price of cotton blend long-sleeve dress appropriate for school. Exclude extra
ornamentation. For girls ages 8 through 10 (size 7-14).
Possible brands: Carter's.
Girl's Jeans................. Price of Levi's #902 basic relaxed taper jean, two back pockets and two front
pockets. For girls ages 8 through 10 (size 7-14).
Girl's Blouse................ Price of cotton blend, white or solid color, long sleeve, button front
blouse. For girls ages 8 through 10 (size 7-14).
Possible brands: This Side Up.
Infant's Sleeper............. Price for one-piece sleeping garment with legs, covering the body including
the feet.
Possible brands: Gerber, Playskool.
Disposable Diaper............ Price for 44 count package Pampers, (child 12-18 LBS). Do Not Price Larger
Size Diapers.
Man's Shoes.................. Price for 100% leather wing tips.
Possible brands: Bostonian, Johnson and Murphy.
Woman's Shoes................ Price for woman's pump style shoes with enclosed heel and toe, leather uppers
and the rest of man-made materials. Heel height should be approximately two
inches.
Possible brands: 9 West, Candies.
Jewelry...................... Price for one pair 6mm 14k gold ball earrings for pierced ears.
Coin Laundry................. Price for one load of laundry using a regular size, top loading commercial
washing machine. DO NOT INCLUDE COST OF DRYING.
Dry Clean Man's Suit......... Price to dry clean a man's 2-piece business suit of typical fabric.
Domestic Service:
Day-Care..................... Price for one month of day-care for a three-year-old child (5 days a week,
about 8 hours per day). If monthly rate is not available, price per week.
Babysitter, per hour......... Average hourly rate for one child, age four years, evening, before midnight.
(Teenager in your home.) Do Not Price Babysitting Service. Special
Instructions: If typical for your area, you may wish to obtain quotes from
friends/acquaintances in your area who use teenager babysitters.
Professional Services:
Legal Services............... Hourly rate for general counsel.
Accounting Services.......... Hourly rate for individual tax work (not business).
Personal Care:
Woman's Cut and Styled Blow ``Regular service'' price for a woman's cut and styled blow dry. Include
Dry. wash. NO CURLING IRON IF EXTRA CHARGE.
Man's Haircut................ Price of a man's typical haircut. Do not include wash.
Lipstick..................... Price for one tube of Revlon lipstick.
1st choice: Moondrops.
2nd choice: Super Lustrous.
Shampoo...................... Price for 15 Fl Oz bottle of Revlon Flex shampoo for normal hair.
Recreation:
Bowling...................... Price for 1 game of open (nor non-league) bowling on Saturday night. Exclude
cost of shoe rental.
Golf......................... Price for 18 holes of golf on a weekend. If only 9 hole rate is available,
report twice the price. If only daily rate is available (unlimited number of
holes), report the Saturday or Sunday rate.
Movie Theater................ Typical adult price for regular length evening film. Report weekend evening
price if different from weekday.
Health Club.................. Price for regular individual membership for 1 year for existing member. Do
not include any initial fees assessed only to new members. If yearly rate is
not available, price per month.
Piano Lessons................ Price for private lesson for a beginner one-half hour in length.
Video Rental................. Price to rent one video tape of recently released movie, Saturday night (1
day) rate. Non-member fee.
Video Recorder............... Price for VCR with 4 video heads, double azimuth, unified TV/VCR remote, one-
year eight event timer, auto tracking, LED display, and HI-FI stereo.
1st choice: Zenith Model #VRL4110.
2nd choice: Sony Model #SLV700HF.
Compact Disk................. Regular price for a current best-selling CD. No sale Price. Do not price
double CD.
Example: Janet by Janet Jackson, Unplugged by Rod Stewart.
Please record title in comment section.
Compact Disk Player.......... Price 5 disc CD player with rotary changer system, 10 key access, 32 track
programming, 8 times oversampling, and a remote.
1st choice: Sony Model #CDPC535.
2nd choice: Panasonic-Technics Model #SLPD847.
Color Television............. Price for 20'' table model color TV with a remote, auto channel search,
closed captions, sleep timer, on-screen channel/time and menus, channel
flashback, and 181 channel tuning.
1st choice: Zenith Model #SLS2049.
2nd choice: Sony Model #KV20TS29.
Basic Cable Service.......... Price for one month of basic cable channel TV. Do Not Include Hookup Charges
or Premium Chanels
Veterinary Services.......... Typical fee for general office visit for a heartworm test for a small dog.
Include the cost of the office visit.
Pet Food..................... Price of 5.5 OZ can of cat food.
1st choice: Purina.
2nd choice: 9 Lives.
Film Developing.............. Price to process and print 35 millimeter, 24 exposure, 100 ASA color. Single
Prints Only Please.
Camera Film.................. Price for 35 millimeter, 24 exposure, 100 ASA Kodak camera film.
Tennis Balls................. Price for can of three heavy-duty felt, yellow, tennis balls.
1st choice: Wilson.
2nd choice: Penn.
Board Game................... Price for Monopoly board game by Parker Brothers. Do Not Price Deluxe
Edition.
Book......................... Price for top ten best selling paperback book.
Magazine..................... Price for a single copy of Time magazine.
Local Newspaper.............. Price for one year of the most common DAILY paper (including Sunday edition)
distributed in the area. Report the name of the newspaper in the comment
section.
Miscellaneous expense component:
Pain Reliever................ Price for 60 tablets of extra-strength Tylenol. Do Not Price Caplets or
Gelcaps.
Tetracycline, prescription... Price of 40 capsules of tetracycline, 250 milligram strength. Report price
for most common national brand sold.
Optometrist, office visit.... Typical fee for visual analysis including tonometry, refraction and glaucoma
screening.
Dentist, clean and check Charge for x-rays, exam and prophylaxis (light scaling and polishing) or
teeth. ``cleaning of teeth'' without special treatment of gums or teeth. Do Not
Price Initial Visit.
Doctor, office visit......... Typical fee, after the initial visit, for an office visit when medical advice
or simple treatment is needed. Do not include the charge for a regular
physical examination, injections, medication or lab tests (routine brief
visit). Price General Practitioner. Do Not Price Specialist.
Hospital Room................ Daily charge for a private room. Include food and routine care. Exclude cost
of operating room, surgery, medicine and lab fees.
Housing-related component:
Bathroom Caulking............ Please price an 8-ounce tube of white bathroom caulking, most popular brand.
Computation of Electric Bill. Average monthly consumption:
Customer service charge (single phase service):
Cost for first KWH:
Cost for over first KWH:
Other items included on bill:
Comments:
Computation of Gas Bill...... Average monthly consumption:
Customer service charge:
Cost for first Cu. Ft.:
Cost for over first Cu. Ft.:
Other items included on bill:
Comments:
Computation of Water Bill.... Average monthly consumption:
Customer service charge:
Cost for first ______ Gallons:
Cost for over ______ Gallons:
Other items included on bill:
Comments:
Electrical Outlet............ Please price a 2-plug grounded electrical outlet. Medium priced. Price
blister pack or cardboard mounted (individually packaged). Do Not Price
Loose Electric Outlet.
Possible brands: GE, Levitron.
Electrical Work.............. Price to add circuit breaker for dishwasher. Cut \3/4\ inch hole in wooden
floor for cable. Connect dishwasher directly to power box (power box is easy
to reach). Exclude Cost of Materials.
Fire Extinguisher............ Please price a fire extinguisher with a UL rating of 10BC, 2.5 pound size.
Suggested brand: Kidde.
Interior Painting............ Price to paint 12' 14' living room with 8' ceilings. Walls are plaster or
drywall in good repair. Two standard sized sash windows, one picture window,
one standard wood door. Rooms have simple wood baseboards and trim. Existing
paint is latex, flat white, smooth finish, about three years old. Trim paint
is latex, white, gloss enamel, about three years old. Walls and trim require
no surface preparation. Obtain labor rate per hour, flat charge if any, and
estimated time to complete job.
Latex Interior Paint......... Please price one gallon white, interior flat latex paint. Price a national
brand with one coat coverage.
Possible brands: Dutch Boy, Glidden.
Pest Control................. Price for basic pest control maintenance (one visit). Price follow-up
maintenance only, not the initial application.
Unclog Drain................. Price to unclog kitchen sink drain by mechanical means (snake, auger, etc.).
Only include pipe removal to access trap if necessary.
Kitchen Faucet............... Price a Peerless single control chrome-plated faucet with spray. Faucet is
solid brass and stainless steel quality construction with copper waterways,
washerless design and triple chrome plating. Warrantied for as long as the
home is owned.
Real Estate Taxes............ Call the local tax assessor office and/or local tax collector/treasurer for
each living community in the report. Request the current real property tax
rate, any special charges that are added to the tax bill and any homestead
credits that might be deducted from the bill. Ask when properties were last
assessed and what base year tax rate should be applied to. Request
information as to what month rates are certified and when bills are mailed.
Verify any significant increases or decreases from previous records.
Long Distance Telephone...... Price the cost of a 10 minute call received on a weekday, at each location at
8:00 p.m. (local time); direct dial from the location being surveyed to each
of the following cities; New York, Chicago and Los Angeles. Include any
federal, state, local or excise tax that is applicable.
Telephone Service............ Obtain monthly cost for unmeasured service, for touchtone service, and for
tax.
Homeowner Insurance.......... For each living community surveyed based on income level, secure the annual
premium for HO-2 type coverage. If the company does not refer to the
coverage as HO-2, obtain the cost for a mid-level coverage (i.e., in-between
a comprehensive coverage and a basic coverage), contents not at replacement
cost, that covers ``named perils on building and contents.'' Some companies
refer to this as their ``standard homeowner's coverage.''
Renter Insurance............. For each living community surveyed based on income level, provide renter
housing profile and insurance cost (semiannual or other). Assume HO-4-type
coverage.
Homeowners
The profiles for each of the home
sizes costed are as follows:
Low.......................... 900 (Sq. Ft.)
Mid.......................... 1,300 (Sq. Ft.)
High......................... 1,700 (Sq. Ft.)
The worksheet components for data
collection are as follows:
(1) Address
(2) Selling Price
(3) Sale Date
(4) Age
(5) Room Count (broken down
into bedrooms and baths)
(6) Square Footage
(7) Price Per Square Foot
Information was collected through
various sources--Real Estate
Professionals, Appraisers, MLS
data, assessors' offices and
private sources.
Data Collection for Aged
Mortgages
The worksheet components for data
collection for aged mortgages
are as follows:
(1) Address
(2) Selling Price
(3) Sale Date
(4) Age
(5) Room Count (broken down
into bedrooms and baths)
(6) Square Footage
(7) Price Per Square Foot
Transportation Component
Vehicles..................... 1993 Honda Civic DX four door sedan, 1.5 liter 4 Cylinder.
1993 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.
1993 Chevrolet S10 Blazer Two Door, four wheel drive, 4.3 Liter 6 Cylinder.
Base Price................... Obtain the base price (Manufacturer's Suggested Retail Price) for each
vehicle.
Options...................... For each vehicle, price the following options: air conditioning, AM/FM stereo
radio, power steering, tinted glass, power disc brakes, rustproofing and
other options.
Fees......................... For each vehicle, price the following options: destination charge, shipping
charge, dealer markup, documentation fees and other one-time fees.
Taxes........................ For each vehicle, price the following taxes: excise tax, import/customs tax,
use tax, sales tax and other one-time taxes.
Specifications............... For each vehicle, obtain the following information: length, wheelbase, tires,
curb weight, horsepower, fuel type and fuel performance (mpg).
Depreciation................. For each vehicle, compute the residual value after 12, 24, 36 and 48 months
respectively.
Gasoline..................... For each station name/brand, price regular unleaded self-service.
Tune-up...................... For each vehicle, price a basic tune-up. Include parts and labor for the
following: replace spark plugs, PCV value, fuel filter, air filter, and
breather filter. Check distributor cap, rotor, timing, and idle.
Oil Change................... For each vehicle, price an oil change. Include parts and labor for the
following: drain old oil, replace oil filter and refill with five quarts of
10W30 SG grade oil. If SG grade is unavailable, price SF grade oil.
Change Automatic Transmission For each vehicle, price to change automatic transmission fluid. Include parts
Fluid. and labor for the following: remove transmission pan, drain transmission
fluid, replace transmission filter, replace transmission pan gasket, replace
transmission fluid, and test vehicle.
Coolant Flush and Fill....... For each vehicle, price to flush and fill engine coolant. Include parts and
labor for the following: remove old coolant, flush contaminants, and replace
with new coolant.
Muffler System............... For each vehicle, price a complete muffler system. Include parts and labor
for the following: install all parts after the catalytic converter. These
parts include midpipes, clamps, muffler, and tailpipes.
In Hawaii and the Virgin Islands, obtain parts costs from a NAPA dealer in
the appropriate area. Obtain installation/labor costs from service stations
or vehicle dealerships.
C.V. Joint Boots............. For each vehicle, price C.V. (Constant Velocity) Joint Boot replacement.
Price should include parts and labor for the following: replace two front
rubber boots. Cost does not include joint replacement.
Miscellaneous Tax............ For each vehicle, price miscellaneous tax. Tell how rate is determined, give
formula for new vehicle purchase, give formula for subsequent year (2 to 5)
and explain billing.
Tires........................ Price a P175/70R13 for the Honda Civic. Price a P205/70R14 for the Ford
Tauraus L. Price a P235/R15 for the Chevrolet S10 Blazer in DC area. In
Guam, Goodyear tires were unavailable, used the average of two comparable
brands.
License and Registration..... For each vehicle, price title fee, passenger vehicle registration fees, plate
fees, inspection fees, administration/clerical/other fees and local added
fees. Specify if one-time or annual. List any exceptions if the Blazer is
not registered as a passenger vehicle.
Automobile Finance........... Obtain the rate for a four-year loan based on a downpayment of 20 percent.
Assume the loan applicant is a current bank customer who will make payments
by cash/check and not by automatic deduction from the account.
Automobile Insurance......... For each vehicle, price insurance coverage identified below. Assume that
vehicles are used in commuting 15 miles/day, 12,000 miles/year and that the
driver is a 35-year-old married male with no accidents or violations in the
last five years. When there is a geographic difference, obtain rates for two
different living communities. Include related expense fees and taxes.
Bodily Injury$100,000/$300,000.
Property Damage$25,000.
Medical$15,000 or Personal Injury Protection $50,000.
Uninsured Motorist$100/$300,000 (unavailable in Virgin Islands and Puerto
Rico).
Comprehensive$100 Deductible.
$Collision$250 deductible.
Round-Trip Airfare........... Price for lowest cost round-trip ticket to Los Angeles, CA. Disregard
restrictions.
----------------------------------------------------------------------------------------------------------------
Appendix 3.--Pricing Changes, Goods and Services/Miscellaneous Expenses/
Housing Related
------------------------------------------------------------------------
Previous Current Reason
------------------------------------------------------------------------
1. Color Television:
Zenith SJ2063...... Zenith SLS2049......... New Model Number.
Sony KV20TS29.......... Additional item.
2. Video Recorder:
Zenith VRJ415...... Zenith VRL4110......... New Model Number.
Sony SLV700HF.......... Additional item.
3. CD Player:
Sony CDP297........ Sony CDPC535........... New Model Number.
Kenwood DP2030..... Technics SLPD847....... Technics available in
all areas.
Kenwood hard to find.
4. Washing Machine:
Maytag A7500....... Maytag LAT7793......... New Model Number.
GE WWA7678M........ GE WWA7600R............ New Model Number.
Whirlpool LA5300XT. Whirlpool LLR6233A..... New Model Number.
5. Kitchen Range:
Maytag CRE305...... Maytag CRE9400......... New Model Number.
GE JBS26P.......... GE JBP5565............. New Model Number.
Whirlpool RF3105XX. Whirlpool RF385PXYW.... New Model Number.
Kenmore 91721...... ....................... Eliminated.
6. Refrigerator:
Maytag RTD19A...... Maytag RTD2100CAE...... New Model Number.
GE TBX19ZP......... GE TBX22PAS............ New Model Number.
Whirlpool ET18DKXXN Whirlpool ET22RKXZ..... New Model Number.
Amana TX20QB....... ....................... Eliminated.
7. Vacuum:
Eureka 2034........ Eureka 9334AT.......... New Model Number.
Hoover U4671-910....... Additional item.
8. Two-Slice Toaster:
Proctor-Silex T2042 Black & Decker T200.... More comparable level.
9. Casserole Dish Set
(Corning-Ware):
2 QT. Casserole Trio Casserole Set..... More popular.
Dish.
10. China (Corelle):
Design Images (16 Impressions-Abundance.. Discontinued.
pc.).
Natural Design (16 (20 pc. set)........... Discontinued.
pc.).
11. Electric Drill:
Black & Decker Black & Decker CD 2000. New model-cordless
#7144. more popular.
Black & Decker Skil #2305............. More comparable 2nd
#7190. choice.
Black & Decker ....................... Eliminated.
#7193.
12. Hammer:
Stanley 51416.......... Additional item.
13. Lawn and Garden:
Hyponex Potting Miracle Grow Plant Food Hard to fine correct
Soil. (8 oz container). size of Hyponex and
Peters Plant Food (8 oz price range too wide.
container). Additional item.
14. Compact Disc (from
Audio Cassette-CD more
popular):
``Ropin' the Wind'' ``Janet'' by Janet Current bestselling
by Garth Brooks. Jackson. titles.
``Adrenalize'' by ``Unplugged'' by Rod
Def Leppard. Stewart.
15. Tennis Balls:
Penn (3 pk.)........... Additional item.
16. Bath Towel:
27x50 inch 27x50 inch Cannon...... Less plush.
Fieldcrest.
Royal Crest bath Portofino bath towel...
towel.
17. Bath Rug:
24x36 inch oblong Cannon Portofino Easier to find with
bathmat. standard, toilet lid less variation than a
cover made of 100% bathmat.
nylon.
18. Man's Jeans:
Levi's 501......... Lee Regular Fit........ More comparable items
(no buttonfly).
19. Man's Undershirt:
Jockey (3 pk.)..... Hanes (3 pk.).......... More popular.
Fruit of the Loom (3 Additional item.
pk.).
20. Boy's Jeans:
Levi's 501......... Levi's 560 loose fit... More comparable items
(no buttonfly).
Levi's 506......... Lee Loose Fit.......... Loose fit more
popular.
21. Woman's Dress:
Price for long Price for Misses mid- More available and is
sleeve shirtwaist sleeve shirtwaist a more specific
dress appropriate dress appropriate for description.
for office attire. office attire. Exclude
Exclude any any unusual
unusual ornamentation. The
ornamentation. The dress should be
dress should be a unlined and 100% Rayon.
blend of cotton Possible Brands:
and polyester. Stewart Allen.
Lesley Fay.
22. Woman's Slacks:
Price for the type Price for Misses More available and is
(materials and unlined slacks a more specific
styles) most appropriate for office description.
commonly used for attire. The slacks
office wear. should be blend of
cotton and polyester
without a belt.
Possible Brands:
Donnkenny.
Alfred Dunner.
23. Woman's Sweater:
Price in catalog....... Per request of OPM.
24. Woman's
Accessories:
Price for split Price for split-grain, Amity wallet difficult
grain, cowhide cowhide leather, to find.
leather, Amity checkbook clutch
checkbook clutch wallet.
wallet. Possible Brands:
Michael Stevens.
Mundi.
25. Potatoes:
Lowest price 10 lb. Lowest price 10 lb. bag More specific item.
bag. of white potatoes.
26. Lettuce, fresh:
1 head............. 1 head of Iceberg More specific
lettuce. description.
27. Oranges, fresh:
Navel medium size Florida navel medium- More specific
oranges. size oranges. description and are
available in all
areas.
28. Peaches, canned:
29 oz can of Del 16 oz can of Del Monte More popular than
Monte peaches. sliced peaches. peach halves.
16 oz can of Libby Most common size.
sliced peaches.
29. Tomato Juice:
Libby's 46 fl oz Campbell's 46 fl oz can Switch Campbell's to
can. first choice; it is
more common in
Washington, DC.
Campbell's 46 fl oz Libby's 46 fl oz can... ......................
can.
30. Fruit Drink:
46 fl oz can of Hi- 46 fl oz of Hawaiian Switch Hawaiian Punch
C. Punch. to first choice; it
is more common in
Washington, DC.
46 fl oz can of 46 fl oz can of Hi-C... ......................
Hawaiian Punch.
31. Coffee, ground:
13 oz can of Maxwell Additional item.
House.
32. Ketchup:
14 oz bottle of 28 oz plastic squeeze Most common and
Heinz. bottle of Heinz. popular size.
28 oz plastic squeeze Additional item.
bottle of Del Monte.
33. Cake:
Price one frosted Price Hostess Glazed Available in all the
undecorated 9-inch Donuts (box of 12). areas. Comparable
chocolate two cake too hard to
layer cake. find.
34. Bread:
Price for a 16 oz Price for a 16 oz loaf Per request of OPM.
loaf of store of a regional brand of
brand sliced white sliced white bread.
bread.
35. Cereal:
Box of Kellogg's Corn Additional item.
Flakes other than the
18 oz box.
36. Pain Reliever:
Bottle of 100 Bottle of 60 Tylenol 100 tablet bottles
Tylenol tablets. tablets. hard to find in
Washington, DC.
37. Laundry Soap:
64 fl oz of Tide 100 fl oz of Tide No common size in
liquid. liquid. powdered detergent.
64 fl oz of Wisk 100 fl oz of Cheer Change in size.
liquid. liquid.
38. Pet Food:
................... Purina 5.5 oz can of Additional item--
cat food. available in all
areas.
Nine Lives 6 oz can Nine Lives 5.5 oz can Most common size.
of cat food. of cat food.
39. Bottled Water:
One gallon of One gallon of bottled More specific
bottled store store brand spring description--availabl
brand drinking water. e in all areas.
water.
40. Snack Food:
16 oz bag of potato 6 oz bag of Ruffles.... Most common size and
chips. brand is available in
all areas.
................... 6 oz bag of Lays Dip Additional item.
Chips.
41. Sirloin Steak:
Pound of flat bone ....................... Dropped--too much red
steak. meat.
Pound of round bone ....................... Dropped--too much red
streak. meat.
42. Round Steak,
boneless:
Pound of eye round Pound of boneless More comparable cut.
steak. bottom round steak.
43. Chuck Roast,
boneless:
Pound of arm pot ....................... Dropped--too much red
roast. meat.
44. Round Roast,
boneless:
Pound of tip roast. Pound of rolled rump Comparable second
roast. choice.
45. Fish, fresh:
Pound of a commonly Pound of salmon steak.. More specific--
purchased fresh available in all
fish. areas.
46. Cheddar Cheese:
Pound of store Pound of Kraft Cracker Specific brand
brand mild cheddar Barrel mild cheddar available in all
cheese. cheese. areas.
Pound of Kraft Cracker Addition
Barrel sharp yellow
cheddar cheese.
47. Refrigerated
Biscuits:
Price for 10 oz 12 pack of Kellogg's Available in all
tube of Pillsbury Eggo waffles. areas.
Hungry Jack Refrigerated biscuits
biscuits. hard to find.
48. Fish Filet, frozen:
Price per pound of Price per lb of frozen Additional choice of
frozen Cod fillet. ocean whitefish filet. white fish.
Price per pound of 1st choice: Cod or Better substititue
frozen Pollack Haddock. description for some
filet. 2nd choice: Regional of the areas.
Fish Please record
fish type in Comment
Section.
49. Frozen Orange
Juice:
12 oz can of frozen 12 oz can of frozen Specific brand
concentrate--store Minute Maid available in all
brand. concentrate. areas.
50. Ice Cream:
Half gallon of Half gallon of Sealtest Specific brand
store brand vanilla ice cream. available in all
vanilla ice cream. areas.
51. Disposable Diapers:
Pampers 54 count Pampers 44 count More commonly found.
package (child 8- package (child 12-18
14 lbs.). lbs.).
52. Newspaper:
Single copy of the Home delivery of most Home delivery more
most common daily common daily paper for common.
paper. one year.
53. Electrical Outlet:
Price a 2-plug Price a 2-plug grounded More specific
grounded electrical outlet. description.
electrical outlet. Medium price. Price
Medium price. blister pack or card
board mounted
(individually
packaged). DO NOT
PRICE LOOSE ELECTRICAL
OUTLET.
Possible Brands:
GE.
Levitron.
54. Accounting:
Average rate to Hourly rate for OPM request.
complete tax form individual tax work
1040 and schedule (NOT BUSINESS).
A (include state).
55. Homeowner
insurance:
HO--5 type coverage HO--2 type coverage, or HO--5 not always
equivalent mid-level available in
coverage (i.e. in allowance areas.
between a
comprehensive coverage
and a basic coverage).
------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Honolulu, HI; Date Prepared: 10-Jan-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 142.18 25.52 36.28 22.38 31.82 19.35 27.51
2. Food Away From
Home................ 112.82 15.95 17.99 16.09 18.15 16.23 18.31
3. Tobacco........... 111.82 3.13 3.50 2.54 2.84 1.96 2.19
4. Alcohol........... 118.65 2.92 3.46 2.79 3.31 2.67 3.17
5. Furnishings & Hsld
Op.................. 112.68 14.35 16.17 15.95 17.97 17.49 19.71
6. Clothing.......... 103.58 14.24 14.75 14.93 15.46 15.59 16.15
7. Domestic Services. 77.82 1.78 1.39 1.79 1.39 1.81 1.41
8. Professional
Services............ 109.94 5.77 6.34 5.84 6.42 5.91 6.50
9. Personal Care..... 108.99 3.57 3.89 3.47 3.78 3.38 3.68
10. Recreation....... 105.69 12.77 13.50 14.22 15.03 15.61 16.50
------------------------------------------------------------------------------------------
Total weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total indexes:
Lower........ ........... ........... 117.27 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 116.7 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 115.3
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Hilo, HI; Date Prepared: 17-Dec-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 133.21 25.52 34.00 22.38 29.81 19.35 25.78
2. Food Away From
Home................ 101.92 15.95 16.26 16.09 16.40 16.23 16.54
3. Tobacco........... 98.58 3.13 3.09 2.54 2.50 1.96 1.93
4. Alcohol........... 107.59 2.92 3.14 2.79 3.00 2.67 2.87
5. Furnishings & Hsld
Op.................. 104.13 14.35 14.94 15.95 16.61 17.49 18.21
6. Clothing.......... 100.35 14.24 14.29 14.93 14.98 15.59 15.64
7. Domestic Services. 74.55 1.78 1.33 1.79 1.33 1.81 1.35
8. Professional
Services............ 87.79 5.77 5.07 5.84 5.13 5.91 5.19
9. Personal Care..... 103.11 3.57 3.68 3.47 3.58 3.38 3.49
10. Recreation....... 91.85 12.77 11.73 14.22 13.06 15.61 14.34
------------------------------------------------------------------------------------------
Total weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total indexes: ........... ........... ........... ........... 106.40 ........... ...........
Lower........ ........... ........... 107.53 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 106.40 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 105.34
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Kailua Kona, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 134.79 25.52 34.40 22.38 30.17 19.35 26.08
2. Food Away From
Home................ 117.05 15.95 18.67 16.09 18.83 16.23 19.00
3. Tobacco........... 110.28 3.13 3.45 2.54 2.80 1.96 2.16
4. Alcohol........... 109.75 2.92 3.20 2.79 3.06 2.67 2.93
5. Furnishings & Hsld
Op.................. 115.63 14.35 16.59 15.95 18.44 17.49 20.22
6. Clothing.......... 97.33 14.24 13.86 14.93 14.53 15.59 15.17
7. Domestic Services. 92.98 1.78 1.66 1.79 1.66 1.81 1.68
8. Professional
Services............ 90.01 5.77 5.19 5.84 5.26 5.91 5.32
9. Personal Care..... 100.30 3.57 3.58 3.47 3.48 3.38 3.39
10. Recreation....... 104.09 12.77 13.29 14.22 14.80 15.61 16.25
------------------------------------------------------------------------------------------
Total weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total indexes:
Lower........ ........... ........... 113.89 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 113.03 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 112.20
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Hawaii County Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Total indexes
--------------------------------------
Location Weights Lower Middle Upper
income income income
----------------------------------------------------------------------------------------------------------------
Hilo, HI.................................................... 82.25 107.53 106.40 105.34
Kailua Kona, HI............................................. 17.75 113.89 113.03 112.20
---------------------------------------------------
Total Weight.......................................... 100.00 ........... ........... ...........
Composite Indexes..................................... ........... 108.66 107.58 106.56
----------------------------------------------------------------------------------------------------------------
Consumption Goods & Services Analysis
[Location: Kauai County, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower Income MIddle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home..... 148.26 25.52 37.84 22.38 33.18 19.35 28.69
2. Food Away From
Home................ 120.29 15.95 19.19 16.09 19.35 16.23 19.52
3. Tobacco.......... 116.59 3.13 3.65 2.54 2.96 1.96 2.29
4. Alcohol.......... 122.31 2.92 3.57 2.79 3.41 2.67 3.27
5. Furnishings &
Hsld Op............. 110.93 14.35 15.92 15.95 17.69 17.49 19.40
6. Clothing......... 93.80 14.24 13.36 14.93 14.00 15.59 14.62
7. Domestic Services 101.15 1.78 1.80 1.79 1.81 1.81 1.83
8. Professional
Services............ 90.04 5.77 5.20 5.84 5.26 5.91 5.32
9. Personal Care.... 109.16 3.57 3.90 3.47 3.79 3.38 3.69
10. Recreation....... 104.82 12.77 13.39 14.22 14.91 15.61 16.36
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 117.82 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 116.36 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 114.99
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Maui County, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower Income MIddle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home..... 149.16 25.52 38.07 22.38 33.38 19.35 28.86
2. Food Away From
Home................ 117.00 15.95 18.66 16.09 18.83 16.23 18.99
3. Tobacco.......... 118.28 3.13 3.70 2.54 3.00 1.96 2.32
4. Alcohol.......... 116.59 2.92 3.40 2.79 3.25 2.67 3.11
5. Furnishings &
Hsld Op............. 111.62 14.35 16.02 15.95 17.80 17.49 19.52
6. Clothing......... 108.19 14.24 15.41 14.93 16.15 15.59 16.87
7. Domestic Services 105.45 1.78 1.88 1.79 1.89 1.81 1.91
8. Professional
Services............ 97.49 5.77 5.63 5.84 5.69 5.91 5.76
9. Personal Care.... 120.44 3.57 4.30 3.47 4.18 3.38 4.07
10. Recreation....... 109.21 12.77 13.95 14.22 15.53 15.61 17.05
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 121.02 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 119.70 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 118.46
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Guam; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower Income MIddle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home..... 133.43 25.52 34.05 22.38 29.86 19.35 25.82
2. Food Away From
Home................ 104.02 15.95 16.59 16.09 16.74 16.23 16.88
3. Tobacco.......... 72.45 3.13 2.27 2.54 1.84 1.96 1.42
4. Alcohol.......... 103.05 2.92 3.01 2.79 2.88 2.67 2.75
5. Furnishings &
Hsld Op............. 132.32 14.35 18.99 15.95 21.11 17.49 23.14
6. Clothing......... 96.05 14.24 13.68 14.93 14.34 15.59 14.97
7. Domestic Services 116.23 1.78 2.07 1.79 2.08 1.81 2.10
8. Professional
Services............ 114.31 5.77 6.60 5.84 6.68 5.91 6.76
9. Personal Care.... 115.55 3.57 4.13 3.47 4.01 3.38 3.91
10. Recreation....... 119.19 12.77 15.22 14.22 16.95 15.61 18.61
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 116.61 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 116.49 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 116.36
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Mayaguez, PR; Date Prepared: 17-Dec-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food at Home...... 99.03 25.52 25.27 22.38 22.16 19.35 19.16
2. Food Away From
Home................ 94.02 15.95 15.00 16.09 15.13 16.23 15.26
3. Tobacco........... 100.03 3.13 3.13 2.54 2.54 1.96 1.96
4. Alcohol........... 116.05 2.92 3.39 2.79 3.24 2.67 3.10
5. Furnishings & Hsld
Op.................. 96.46 14.35 13.84 15.95 15.39 17.49 16.87
6. Clothing.......... 89.55 14.24 12.75 14.93 13.37 15.59 13.96
7. Domestic Services. 46.82 1.78 0.83 1.79 0.84 1.81 0.85
8. Professional
Services............ 46.95 5.77 2.71 5.84 2.74 5.91 2.77
9. Personal Care..... 73.19 3.57 2.61 3.47 2.54 3.38 2.47
10. Recreation....... 92.62 12.77 11.83 14.22 13.17 15.61 14.46
------------------------------------------------------------------------------------------
Total Weights........ ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 91.36 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 91.12 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 90.86
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: San Juan, PR; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food at Home...... 105.28 25.52 26.87 22.38 23.56 19.35 20.37
2. Food Away From
Home................ 105.61 15.95 16.84 16.09 16.99 16.23 17.14
3. Tobacco........... 93.37 3.13 2.92 2.54 2.37 1.96 1.83
4. Alcohol........... 120.98 2.92 3.53 2.79 3.38 2.67 3.23
5. Furnishings & Hsld
Op.................. 105.19 14.35 15.09 15.95 16.78 17.49 18.40
6. Clothing.......... 97.50 14.24 13.88 14.93 14.56 15.59 15.20
7. Domestic Services. 64.69 1.78 1.15 1.79 1.16 1.81 1.17
8. Professional
Services............ 62.05 5.77 3.58 5.84 3.62 5.91 3.67
9. Personal Care..... 86.61 3.57 3.09 3.47 3.01 3.38 2.93
10. Recreation....... 102.84 12.77 13.13 14.22 14.62 15.61 16.05
------------------------------------------------------------------------------------------
Total Weights........ ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 100.08 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 100.05 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 99.99
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Puerto Rico Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Total indexes
--------------------------------------
Location Weights Lower Middle Upper
income income income
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................ 84.09 100.08 100.05 99.99
Mayaguez, PR................................................ 15.91 91.36 91.12 90.86
---------------------------------------------------
Total Weight.......................................... 100.00 ........... ........... ...........
Composite Indexes..................................... ........... 98.69 98.63 98.54
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: St. Croix, VI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 120.21 25.52 30.68 22.38 26.90 19.35 23.26
2. Food Away From
Home................ 106.36 15.95 16.96 16.09 17.11 16.23 17.26
3. Tobacco........... 64.42 3.13 2.02 2.54 1.64 1.96 1.26
4. Alcohol........... 90.30 2.92 2.64 2.79 2.52 2.67 2.41
5. Furnishings & Hsld
Op.................. 116.60 14.35 16.73 15.95 18.60 17.49 20.39
6. Clothing.......... 92.08 14.24 13.11 14.93 13.75 15.59 14.36
7. Domestic Services. 65.58 1.78 1.17 1.79 1.17 1.81 1.19
8. Professional
Services............ 96.71 5.77 5.58 5.84 5.65 5.91 5.72
9. Personal Care..... 104.26 3.57 3.72 3.47 3.62 3.38 3.52
10. Recreation....... 96.60 12.77 12.34 14.22 13.74 15.61 15.08
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 104.95 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 104.70 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 104.45
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: St. Thomas, VI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 128.89 25.52 32.89 22.38 28.85 19.35 24.94
2. Food Away From
Home................ 108.81 15.95 17.36 16.09 17.51 16.23 17.66
3. Tobacco........... 62.88 3.13 1.97 2.54 1.60 1.96 1.23
4. Alcohol........... 114.84 2.92 3.35 2.79 3.20 2.67 3.07
5. Furnishings & Hsld
Op.................. 119.06 14.35 17.09 15.95 18.99 17.49 20.82
6. Clothing.......... 85.22 14.24 12.14 14.93 12.72 15.59 13.29
7. Domestic Services. 94.75 1.78 1.69 1.79 1.70 1.81 1.71
8. Professional
Services............ 99.21 5.77 5.72 5.84 5.79 5.91 5.86
9. Personal Care..... 110.82 3.57 3.96 3.47 3.85 3.38 3.75
10. Recreation....... 112.57 12.77 14.38 14.22 16.01 15.61 17.57
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 110.55 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 110.27 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 109.90
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Virgin Islands Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower Middle Upper
Location Weights income income income
----------------------------------------------------------------------------------------------------------------
St. Croix, VI............................................... 45.73 104.95 104.70 104.45
St. Thomas, VI.............................................. 54.27 110.55 110.22 109.90
---------------------------------------------------
Total Weight.......................................... 100.00 ........... ........... ...........
Composite Indexes..................................... ........... 107.99 107.70 107.41
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Honolulu Blend,* HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 136.48 25.52 34.83 22.38 30.54 19.35 26.41
2. Food Away From
Home................ 112.82 15.95 17.99 16.09 18.15 16.23 18.31
3. Tobacco........... 63.08 3.13 1.97 2.54 1.60 1.96 1.24
4. Alcohol........... 113.01 2.92 3.30 2.79 3.15 2.67 3.02
5. Furnishings & Hsld
Op.................. 103.59 14.35 14.87 15.95 16.52 17.49 18.12
6. Clothing.......... 93.65 14.24 13.34 14.93 13.98 15.59 14.60
7. Domestic Services. 77.83 1.78 1.39 1.79 1.39 1.81 1.41
8. Professional
Services............ 109.95 5.77 6.34 5.84 6.42 5.91 6.50
9. Personal Care..... 93.52 3.57 3.34 3.47 3.25 3.38 3.16
10. Recreation....... 101.05 12.77 12.90 14.22 14.37 15.61 15.77
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 110.27 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 109.37 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 108.54
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.
Consumption Goods and Services Analysis
[Location: San Juan Blend,* PR; Date Prepared: 08-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 96.39 25.52 24.60 22.38 21.57 19.35 18.65
2. Food Away From
Home................ 105.61 15.95 16.84 16.09 16.99 16.23 17.14
3. Tobacco........... 67.36 3.13 2.11 2.54 1.71 1.96 1.32
4. Alcohol........... 120.98 2.92 3.53 2.79 3.38 2.67 3.23
5. Furnishings & Hsld
Op.................. 101.31 14.35 14.54 15.95 16.16 17.49 17.72
6. Clothing.......... 97.49 14.24 13.88 14.93 14.56 15.59 15.20
7. Domestic Services. 64.69 1.78 1.15 1.79 1.16 1.81 1.17
8. Professional
Services............ 62.05 5.77 3.58 5.84 3.62 5.91 3.67
9. Personal Care..... 86.13 3.57 3.07 3.47 2.99 3.38 2.91
10. Recreation....... 100.88 12.77 12.88 14.22 14.35 15.61 15.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 96.18 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 96.49 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 96.76
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.
Consumption Goods and Services Analysis
[Location: Guam Blend,* Date Prepared: 11-Jan-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Food At Home...... 93.31 25.52 23.81 22.38 20.88 19.35 18.06
2. Food Away From
Home................ 104.82 15.95 16.59 16.09 16.74 16.23 16.88
3. Tobacco........... 48.76 3.13 1.53 2.54 1.24 1.96 0.96
4. Alcohol........... 103.05 2.92 3.01 2.79 2.88 2.67 2.75
5. Furnishings & Hsld
Op.................. 179.05 14.35 25.69 15.95 28.56 17.49 31.32
6. Clothing.......... 88.79 14.24 12.64 14.93 13.26 15.59 13.84
7. Domestic Services. 116.23 1.78 2.07 1.79 2.08 1.81 2.10
8. Professional
Services............ 114.31 5.77 6.60 5.84 6.68 5.91 6.76
9. Personal Care..... 105.12 3.57 3.75 3.47 3.65 3.38 3.55
10. Recreation....... 118.87 12.77 15.18 14.22 16.90 15.61 18.56
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 110.87 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 112.87 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 114.78
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.
Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection
Procedures
Survey Description
The following information will be provided to the participants
verbally or in writing. Participants who are familiar with the program
and the survey may be provided with less information as appropriate.
Purpose
The Federal Government pays Cost-Of-Living-Allowances (COLA) in
Alaska, Hawaii, and certain U.S. territories and possessions. Living
cost differences are determined by comparing costs of goods, services,
housing, transportation, and other items in the allowance area with the
cost of the same or similar items and services in the Washington DC
area. The U.S. Office of Personnel Management (OPM) is responsible for
the operation of the COLA program.
Data Collection
OPM, or its representatives, conducts annual Price Surveys to
determine living cost differences. Local governments, retail outlets,
realty firms, and businesses providing professional and other services
to be surveyed are identified through the use of full-scale Background
Surveys, conducted approximately once every five years. Participation
in the Price Surveys is voluntary. Data are collected by telephone and/
or personal interview
Wherever practical and appropriate, the price of each good or
service is obtained from at least three outlets in each allowance area
and at least six outlets in the reference area (i.e., the Washington,
DC, area). Realty data may be obtained from one or multiple sources, as
appropriate.
Release of Information
The price data collected from participating firms may be made
available to Congress or to the general public upon request. This
includes the name of the company and prices of items or services
surveyed. The names of proprietors, managers, or other individuals who
provide price information generally will not be made public. However,
the Government may release the names of individuals who, on the basis
of their expertise, provide opinions or estimates.
Public Burden Information
Public burden reporting for this collection of information is
estimated to vary from 1 to 20 minutes per response. Send comments
regarding the burden estimate or any other aspect of this collection of
information, including suggestion for reducing this burden to Reports
and Forms Management Officer, U.S. Office of Personnel Management, 1900
E Street, N.W., Room 6410, Washington, DC, 20415; and to the Office of
Management and Budget, Paperwork Reduction Project (3206-0199),
Washington, DC, 20503.
Interview Guidelines
Three types of information are collected in price surveys: price of
goods and services, rental prices and related information, and home
owner prices and related information. The following are the typical
interview questions used to collect these data.
Price Information Collection
1. What is the regular (non-sale) price of ________ (a specific
item or service)?
Examples of items include, but are not limited to:
Chuck Roast, Bone In.
Price per pound. Average size package (e.g., not a `family' or
`bonus' pack).
1st choice: Arm pot roast.
2nd Choice: Eye roast.
Peas, Frozen.
Price for 10 ounce package.
1st choice: Bird's Eye.
2nd Choice: Major brand of equivalent quality.
Men's Jeans.
Price for one pair of blue jeans.
1st choice: Levi's #501 jeans.
2nd Choice: Equivalent quality jeans.
Automobile, New.
`Sticker' price of current year model Honda Civic DX, four door
sedan, 1.5 liter, four cylinder engine. (Price options, fees,
financing, and taxes separately.)
Example of services include, but are not limited to:
Restaurant Service.
Price of seafood platter--mixed seafood (e.g., not `steak and
lobster' or `crab leg' platter). If salad and side dish not included
with entree, price house salad and baked potato or order of french
fries. Include price of coffee, tax, and 15 percent tip.
Film Developing.
Price to process and print 35 millimeter, 24 exposure, 100 ASA
color roll film. Single prints only, standard size and finish.
Doctor, Office Visit.
Typical fee, after the initial visit, for an office visit when
medical advice or simple treatment is all that is needed. Do not
include the charge for a complete physical examination, injections,
medication, laboratory tests, or similar services.
Oil Change.
Price of a regular oil change including oil and filter for a
current year model Honda Civic DX sedan, 1.5 liter, 4 cylinder engine.
2. Prices of many of the items can be obtained ``off-the-shelf''
without assistance. Occasionally, when a specific item is not
available, assistance from sales or other personnel may be required to
identify and price substitution items of comparable quality and
quantity.
3. Prices of most services are obtained by telephone or personal
interview. A few services are priced with little or no assistance. For
example, prices may be obtainable from a displayed price schedule,
list, or menu.
Housing Component--Rental Information Collection
1. Describe the location, size, layout, number and types of rooms,
and square footage of your rental units.
2. Are they apartments, duplexes, town houses, detached houses, or
other types of units? Describe.
3. Are there additional amenities (e.g., pool, sauna, tennis
courts, gym)? If so, describe.
4. What is the monthly rent? What is the amount of the security
deposit (if any)? What other kinds of fees or assessments are there?
5. Are utilities included? Which ones? If you can, please provide
information on average monthly or annual costs of utilities paid by
tenants.
6. Are term leases usually required? What are the conditions and
penalties associated with the lease?
7. Are there any special restrictions or other factors we should
know about (e.g., seasonal tourist trade)?
Housing Component--Information Collection for Comparable Sales
1. Describe the location, size, layout, number and types of rooms,
and square footage of some of your recent home sales.
2. Were they condominiums, duplexes, town houses, detached houses,
or other types of dwellings? Describe.
3. Were there any atypical characteristics (e.g., extra large lot
sizes, beach front, desirable/undesirable locations)?
4. Are there additional amenities provided by the developer,
homeowners association, or similar community group (e.g., pool, sauna,
tennis courts, gym)? If so, describe facilities and charges.
5. What was the selling price and date of sale?
6. What are the real estate taxes?
7. Do you have any data on utilities relating to these homes?
8. In the past year or so, what has been the average appreciation
rate of property in this community? Looking back over the past six
years, has this rate changed? How?
9. Describe current market conditions (e.g., soft, booming, so-so).
How has this affected housing prices? Describe the housing market over
the past six years.
10. Are there any special considerations or other factors we should
know about (e.g., retirement/tourist trade) that might affect the
housing market in this community?
BILLING CODE 6325-01-M
TN26MY94.000
TN26MY94.001
TN26MY94.002
BILLING CODE 6325-01-C
Nonforeign Area Cost-of-Living Allowances Background Survey Data
Collection Procedures
Survey Description
The following information will be provided to the participants
verbally or in writing. Participants who are familiar with the program
and the survey may be provided with less information as appropriate.
Purpose
The Federal Government pays Cost-Of-Living-Allowances (COLA) in
Alaska, Hawaii, and certain U.S. territories and possessions. Living
cost differences are determined by comparing costs of goods, services,
housing, transportation, and other items in the allowance area with the
cost of the same or similar items and services in the Washington, DC,
area. The U.S. Office of Personnel Management (OPM) is responsible for
the operation of the COLA program. OPM, or its representative, conducts
annual surveys to determine living cost differences. OPM conducts full-
scale Background Surveys approximately once every five years to review
the appropriateness of items, services, and businesses covered in the
annual Price surveys. Elements of the Background Survey may be repeated
annually on a limited basis as part of the maintenance of and
preparation for the annual Price Surveys.
OPM uses the Background Survey to identify the services, items,
quantities, outlets, and locations that will be surveyed to collect
living cost data within the allowance areas and the Washington, DC,
area. The Background Survey also is used to collect information on
local trade practices, consumer buying patterns, taxes and fees, and
other economic characteristics related to living costs.
Data Collection
Full-scale Background Surveys are conducted approximately once
every five years. OPM identifies major manufacturers, local
governments, retail outlets, realty firms, and businesses providing
professional services to be surveyed on the basis of business volume
and local prominence. Participation is voluntary. Data are collected by
telephone and/or personal interview.
Confidentiality
All data collected are used only for the purposes described above.
The Government pledges to hold all micro or ``raw'' data collected in
confidence. Names of participating businesses and institutions may be
released. Names of individuals are not released. Summary data will be
made available to the public only to the extent that micro data cannot
be associated with data sources.
Public Burden Information
Public burden reporting for this collection of information is
estimated to vary from 5 minutes to 30 minutes per response. Send
comments regarding the burden estimate or any other aspect of this
collection of information, including suggestion for reducing this
burden to Reports and Forms Management Officer, U.S. Office of
Personnel Management, 1900 E Street, N.W., Room CHP 500, Washington,
DC, 20415; and to the Office of Management and Budget, Paperwork
Reduction Project (3206-0199), Washington, DC, 20503.
Interview Guidelines
Seven types of information are collected in background surveys.
Information is collected on products and services, outlet availability
and usage, transportation, local taxes and fees, mortgage, real estate,
and other topics related to the measurement of living costs (e.g.,
specialized information from local chambers of commerce, colleges, and
universities). The following are the typical interview questions used
to collect these data.
Product or Service Information
1. As a major manufacturer/supplier of ________________ (a specific
product or service, e.g., women's apparel), please identify your items/
services that are most popular (e.g., your `volume sellers').
2. Which of these items are apt to be readily available in the
following geographic locations: Alaska (i.e., Anchorage, Fairbanks, and
Juneau); Hawaii; Guam; Puerto Rico; the Virgin Islands; and Washington,
DC, and suburbs?
3. If the items or services are not universally available, are
there other items or services that are of similar function, quality,
quantity, size, and type that can be substituted?
4. Is there anything else we should know about your product or
service? Are there recommendations you wish to make that would help us
in our data collection?
Outlet Availability and Usage (Retail)
1. What is your product or service? What is the address(es) of your
establishment(s)? If you have multiple locations, which locations have
the greatest sales volumes (i.e., are most utilized by consumers)?
2. What are your store/office hours? Do these vary by locations?
3. Is your full line of products or services available at all
locations?
4. Is there anything else we should know about your outlet(s) or
recommendations you wish to make?
Transportation Information--Private and Public Services
1. What type of transportation services do you provide (e.g., taxi,
bus, subway)?
2. What geographic areas do you service? Which routes are `typical'
or most heavily utilized?
3. What is your rate structure? Does it vary by time of day or
season?
4. Is there anything else we should know about transportation usage
and services in your area? Are there recommendations you wish to make
about our data collection?
Transportation Information--Private Use and Maintenance
1. What types of driving are most common in your area? What is the
annual distance driven?
2. What types roads and highways are common in your area? What are
the road surfaces and conditions?
3. Are there unusual climatic or other factors that affect the fuel
economy, maintenance, and depreciation of vehicles?
4. Is there anything else we should know about private
transportation usage and maintenance in your area? Are there
suggestions or recommendations you wish to make?
Local Taxes and Fees
1. What types of taxes, licenses, or fees does your State,
territory, or local jurisdiction levy on real estate; personal
property; sales (including sales of property); automobiles; utilities;
or other goods, services, or transactions?
2. Who levies these taxes, licenses or fees (i.e., State,
territory, county, city, other jurisdiction)?
3. What are the rates or schedules for these? How often and when
are they levied? Do the rates/schedules vary by location, season, or
other factors?
4. Is there anything else we should know about taxes and fees in
your area? Are there suggestions or recommendations you wish to make?
Mortgage Information
1. What forms of home financing are most common in ________________
(the allowance area or Washington, DC metropolitan area)? (Do not
include second mortgages.)
2. What are the typical conditions and limitations on loans?
3. What is the typical amount(s) of down payment required? What are
the terms and rates?
4. Are there special subsidies or other practices that influence
home financing in your area?
5. Looking back 6 years, what types of changes have occurred that
affect home financing?
6. Is there anything else we should know about home financing in
your area? Are there suggestions or recommendations you wish to make
that would help us in our data collection?
Real Estate Information
1. What is the availability of housing in ________________ (the
allowance area or Washington, DC metropolitan area)? Of principal
interest is housing for typical salary and wage earners (as
distinguished from retirees, tourists, or other special groups) for
persons with low, moderate, and high incomes.
2. Describe the communities within your area in which persons
________________ (specify occupation/income characteristics) typically
live. If appropriate, identify separate communities for renters and
home owners. Where are these communities located relative to the major
Federal activities in the area?
3. Describe the type of housing (e.g., apartment, condominium, town
house, detached house).
4. For each type of housing, what are the usual number of rooms,
bedrooms, baths, total square footage, lot size, type of construction,
and similar characteristics?
5. What types of utilities are available and typically used in
these communities: sewer, water, natural gas, electricity, others?
6. Are there any unusual factors that might affect maintenance
requirements in your area?
7. Looking back six years, describe the changes that significantly
affected the housing market (both rental and owner markets).
8. Is there anything else we should know about the housing market
in your area? Are there suggestions or recommendations you wish to make
concerning our data collection?
Other Types of Information
Occasionally, it is necessary to collect information from colleges,
universities, chambers of commerce, trade associations, and other
groups on specific subjects relating to the analysis of living costs.
For example, a university known to be involved in home energy research
may be contacted to determine whether there are consumption data by
region or allowance area that could have application in the COLA
program.
When such data are collected, the purpose and basic structure of
the interview will follow the patterns shown above. The substance,
however, will vary with the subject matter.
BILLING CODE 6325-01-M
TN26MY94.003
BILLING CODE 6325-01-C
Appendix 6.--1993/1994 OPM Living Community Selection
----------------------------------------------------------------------------------------------------------------
Low Middle High
----------------------------------------------------------------------------------------------------------------
City and County of
Honolulu, Hawaii:
Homeowner.............. Waianae.................... Kaneohe................... Mililani Town.
Wahiawa.................... Pearl City................ Kailua.
Renter................. Waianae.................... Wahiawa................... Mililani Town.
Makiki..................... Kaneohe................... Aiea.
Hawaii County, Hawaii:
Hilo, Hawaii:
Homeowner.............. Hilo....................... Hilo...................... Hilo.
Renter................. Hilo....................... Hilo...................... Hilo.
Kailua Kona, Hawaii:
Homeowner.............. Kailua Kona................ Kailua Kona............... Kailua Kona.
Renter................. Kailua Kona................ Kailua Kona............... Kailua Kona.
Kauai, Hawaii:
Homeowner.............. Lihue...................... Lihue..................... Princeville.
Kapaa...................... Kappa..................... Kalaheo.
Renter................. Lihue...................... Lihue..................... Princeville.
Hanamaulu.................. Kapaa..................... Poipu.
Hanapepe................... Wailua....................
Maui, Hawaii:
Homeowner.............. Wailuku.................... Lahaina................... Lahaina.
Kahului.................... Kihei.....................
Renter................. Kahului.................... Kahului................... Lahaina.
Wailuku.................... Wailuku................... Kihei.
Lahaina...................
Guam:
Homeowner.............. Dededo..................... Dededo.................... Dededo.
Yigo...................... Barrigada Heights.
Renter................. Agana...................... Agana..................... Jonestown.
Agat/Santa Rita............ Yigo...................... Pago Bay.
Puerto Rico:
Homeowner.............. Alturas.................... Alturas................... Miradero.
Sultana................... Sultana.
Renter................. Mayaguez................... Alturas................... Miradero.
Terrace.................... Sultana...................
San Juan, Puerto Rico:
Homeowner.............. Carolina................... Carolina.................. Guaynabo.
Bayamon.................... VA Hospital Area.......... Hato Rey.
Renter................. Carolina................... Old San Juan.............. Old San Juan.
Isla Verde................. Isla Verde................ Condado.
St. Croix, Virgin Islands:
Homeowner.............. Christiansted.............. Christiansted............. Christiansted.
Frederiksted Area.......... Frederiksted Area......... Frederiksted Area.
Renter................. Christiansted.............. Christiansted............. Christiansted.
Frederiksted Area.......... Frederiksted Area.........
St. Thomas, Virgin Islands:
Homeowner.............. Charlotte Amalie........... Charlotte Amalie.......... Charlotte Amalie.
Renter................. Charlotte Amalie........... Charlotte Amalie.......... Charlotte Amalie.
Washington DC, District of
Columbia:
Homeowner.............. Northeast DC............... Northeast DC.............. Northwest DC.**
Renter................. Northeast DC............... Northeast DC.............. Northwest DC.**
Washington DC, Maryland:
Homeowner.............. Suitland................... Gaithersburg.............. Rockville.
Renter................. Capitol Heights............ Germantown................ Rockville.
Washington DC, Virginia:
Homeowner.............. Woodbridge................. Dale City................. Springfield.
Renter................. Woodbridge................. Fairfax/Falls Church...... Alexandria.
----------------------------------------------------------------------------------------------------------------
**Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park and Adams Morgan.
Housing Cost Analysis
[Location: Honolulu, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category
-----------------------------------------------------------------------------
Lower income Middle income Upper
Annual costs ---------------------------------------------------- income
------------- Renter
Owner Renter Owner Renter Owner
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 390 ........... 459 ........... 528 ...........
Insurance......................... 807 444 1347 444 1749 444
Utilities......................... 1117 1012 1250 1117 1382 1179
Real Estate Taxes................. 587 ........... 1004 ........... 1123 ...........
Housing........................... 13067 9792 21196 11664 24249 15288
-----------------------------------------------------------------------------
Total Annual Cost........... 15968 11248 25283 13225 29031 16911
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Hilo HI, Date Prepared: 16-Dec-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category
-----------------------------------------------------------------------------
Lower income Middle income Upper
Annual costs ---------------------------------------------------- income
------------- Renter
Owner Renter Owner Renter Owner
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 354 ........... 417 ........... 480 ...........
Insurance......................... 675 371 717 371 783 440
Utilities......................... 1313 1177 1482 1313 1652 1392
Real Estate Taxes................. 404 ........... 547 ........... 703 ...........
Housing........................... 8269 6204 11195 8376 13066 10416
-----------------------------------------------------------------------------
Total Annual Cost........... 11015 7752 14358 10060 16684 12248
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Kailua Kona, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category
-----------------------------------------------------------------------------
Lower income Middle income Upper
Annual costs ---------------------------------------------------- income
------------- Renter
Owner Renter Owner Renter Owner
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 349 ........... 411 ........... 473 ...........
Insurance......................... 694 444 834 444 1023 444
Utilities......................... 1313 1177 1482 1313 1652 1392
Real Estate Taxes................. 533 ........... 814 ........... 984 ...........
Housing........................... 9939 8136 14180 9612 16939 12600
-----------------------------------------------------------------------------
Total Annual Cost........... 12828 9757 17721 11369 21071 14436
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis Hawaii County Composite
[Summer 1993 Survey, Date Prepared: 24-Feb-94]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Hilo, HI............. 82.25 11,015 7,752 14,358 10,060 16,684 12,248
Kailua Kona, HI...... 17.75 12,828 9,757 17,721 11,369 21,071 14,436
------------------------------------------------------------------------------------------
Total Weight... 100.00
Hawaii County,
HI Cost....... ........... 11,337 8,108 14,955 10,292 17,463 12,636
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Kauai County, HI, Date Prepared: 24-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 323 ........... 380 ........... 437 ...........
Insurance......................... 720 444 835 444 1025 444
Utilities......................... 1324 1186 1496 1324 1669 1404
Real Estate Taxes................. 493 ........... 673 ........... 862 ...........
Housing........................... 11122 11052 14349 12600 17734 18132
-----------------------------------------------------------------------------
Total Annual Cost........... 13982 12682 17733 14368 21727 19980
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Maui County, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 354 ........... 416 ........... 478 ...........
Insurance......................... 215 168 382 173 373 190
Utilities......................... 1565 1393 1781 1565 1996 1666
Real Estate Taxes................. 588 ........... 826 ........... 1074 ...........
Housing........................... 11648 7620 16523 9564 20105 13200
-----------------------------------------------------------------------------
Total Annual Cost........... 14370 9181 19928 11302 24026 15056
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Guam, Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 464 ........... 546 ........... 628 ...........
Insurance......................... 2266 81 2738 163 3474 325
Utilities......................... 1778 1630 1963 1778 2148 1864
Real Estate Taxes................. 229 ........... 281 ........... 578 ...........
Housing........................... 9954 9636 13018 12600 17811 21000
-----------------------------------------------------------------------------
Total Annual Cost........... 14691 11347 18546 14541 24639 23189
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Mayaguez, PR, Date Prepared: 03-Nov-03; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 201 ........... 236 ........... 271 ...........
Insurance......................... 324 136 538 221 804 298
Utilities......................... 1000 906 1117 1000 1235 1055
Real Estate Taxes................. 0 ........... 304 ........... 329 ...........
Housing........................... 3939 4980 6312 7272 9185 11784
-----------------------------------------------------------------------------
Total Annual Cost................. 5464 6022 8507 8493 11824 13137
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: San Juan, PR, Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 275 ........... 324 ........... 373 ...........
Insurance......................... 324 136 494 221 883 298
Utilities......................... 1020 926 1137 1020 1255 1075
Real Estate Taxes................. 382 ........... 524 ........... 946 ...........
Housing........................... 3970 8736 5438 12816 9823 22716
-----------------------------------------------------------------------------
Total Annual Cost........... 5971 9798 7917 14057 13280 24089
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Puerto Rico Composite
[Date Prepared: 24-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
San Juan, PR......... 84.09 5,971 9,798 7,917 14,057 13,280 24,089
Mayaguez, PR......... 15.91 5,464 6,022 8,507 8,493 11,824 13,137
------------------------------------------------------------------------------------------
Total Weight... 100.00
Puerto Rico
Cost.......... 5,890 9,197 8,011 13,172 13,048 22,347
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: St Croix, VI; Date Prepared: 24-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 329 ........... 387 ........... 445 ...........
Insurance......................... 1762 390 2717 390 3647 705
Utilities......................... 1755 1557 2002 1755 2249 1870
Real Estate Taxes................. 590 ........... 952 ........... 1223 ...........
Housing........................... 8242 8148 12708 12924 14156 16332
-----------------------------------------------------------------------------
Total Annual Cost........... 12678 10095 18766 15069 21720 18907
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: St Thomas, VI; Date Prepared: 03-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 337 ........... 397 ........... 457 ...........
Insurance......................... 2179 390 3102 390 4361 705
Utilities......................... 1755 1557 2002 1755 2249 1870
Real Estate Taxes................. 780 ........... 1189 ........... 1419 ...........
Housing........................... 10074 9408 14340 11736 16729 16572
-----------------------------------------------------------------------------
Total Annual Cost........... 15125 11355 21030 13881 25215 19147
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Virgin Islands Composite
[Summer 1993 Survey; Date Prepared: 24-Feb-94]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
St. Croix, VI........ 45.73 12,678 10,095 18,766 15,069 21,720 18,907
St. Thomas, VI....... 54.27 15,125 11,355 21,030 13,881 25,215 19,147
------------------------------------------------------------------------------------------
Total Weight..... 100.00
Puerto Rico Cost..... ........... 14,006 10,779 19,995 14,424 23,617 19,037
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington, DC, MD; Date Prepared: 04-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 308 ........... 362 ........... 416 ...........
Insurance......................... 317 131 383 131 817 171
Utilities......................... 2226 1954 2567 2226 2907 2385
Real Estate Taxes................. 627 ........... 917 ........... 2314 ...........
Housing........................... 6164 5484 8115 7152 17531 18528
-----------------------------------------------------------------------------
Total annual cost........... 9642 7569 12344 9509 23985 21084
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington, DC, MD; Date Prepared: 04-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 316 ........... 372 ........... 428 ...........
Insurance......................... 185 101 207 120 348 145
Utilities......................... 2394 2103 2757 2394 3121 2563
Real Estate Taxes................. 1320 ........... 1274 ........... 2620 ...........
Housing........................... 6223 6312 7616 9168 13081 12948
-----------------------------------------------------------------------------
Total annual cost........... 10438 8516 12226 11682 19598 15656
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington, DC, VA; Date Prepared: 04-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Maintenance....................... 250 ........... 294 ........... 338 ...........
Insurance......................... 154 95 188 95 229 115
Utilities......................... 2216 1946 2553 2216 2890 2373
Real Estate Taxes................. 1479 ........... 1892 ........... 2545 ...........
Housing........................... 6193 7044 8316 9156 11914 11844
-----------------------------------------------------------------------------
Total annual cost........... 10292 9085 13243 11467 17916 14332
----------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Washington DC Composite
[Summer 1993 Pricing: Date Prepared: 04-Nov-93; 02:16 PM]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Washington, DC, DC... 33.34 9,642 7,569 12,344 9,509 23,985 21,084
Washington, DC, MD... 33.33 10,438 8,516 12,226 11,682 19,598 15,656
Washington, DC, VA... 33.33 10,292 9,085 13,243 11,467 17,916 14,332
------------------------------------------------------------------------------------------
Total Weight... 100.00
Composite Cost. 10,124 8,390 12,604 10,886 20,500 17,024
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Honolulu, HI, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:55 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 15,968 10,124 157.72 11,248 8,390 134.06
Middle Income..................... 25,283 12,604 200.60 13,225 10,886 121.49
Upper Income...................... 29,031 20,500 141.61 16,911 17,024 99.34
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Hawaii County, HI, Summer 1993 Survey: Date Prepared: 24-Feb-94; 12:25 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 11,337 10,124 111.98 8,108 8,390 96.64
Middle Income..................... 14,955 12,604 118.65 10,292 10,886 94.54
Upper Income...................... 17,463 20,500 85.19 12,636 17,024 74.22
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Kauai County, HI, Summer 1993 Survey: Date Prepared: 24-Feb-94; 01:25 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 13,982 10,124 138.11 12,682 8,390 151.16
Middle Income..................... 17,733 12,604 140.69 14,368 10,886 131.99
Upper Income...................... 21,727 20,500 105.99 19,980 17,024 117.36
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Maui County, HI, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:56 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 14,370 10,124 141.94 9,181 8,390 109.43
Middle Income..................... 19,928 12,604 158.11 11,302 10,886 103.82
Upper Income...................... 24,026 20,500 117.20 15,056 17,024 88.44
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Guam, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:53 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 14,691 10,124 145.11 11,347 8,390 135.24
Middle Income..................... 18,546 12,604 147.14 14,541 10,886 133.58
Upper Income...................... 24,639 20,500 120.19 23,189 17,024 136.21
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Puerto Rico, Summer 1993 Survey: Date Prepared: 24-Feb-94; 03:12 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 5,890 10,124 58.18 9,197 8,390 109.62
Middle Income..................... 8,011 12,604 63.56 13,172 10,886 121.00
Upper Income...................... 13,048 20,500 63.65 22,347 17,024 131.27
----------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Virgin Islands, Summer 1993 Survey: Date Prepared: 24-Feb-94; 02:44 PM]
----------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------
Total Total Cost Total Total Cost
Annual Cost DC Area Index Annual Cost DC Area Index
----------------------------------------------------------------------------------------------------------------
Lower Income...................... 14,006 10,124 138.34 10,779 8,390 128.47
Middle Income..................... 19,995 12,604 158.64 14,424 10,886 132.50
Upper Income...................... 23,617 20,500 115.20 19,037 17,024 111.82
----------------------------------------------------------------------------------------------------------------
Appendix 9A.--Analysis of Home Sales Data
----------------------------------------------------------------------------------------------------------------
Previous Current
Location ---------------------------------------------------- Change Percent Final value
OBS Average OBS Average (percent) adj.
----------------------------------------------------------------------------------------------------------------
City and County of
Honolulu, Hawaii:
Lower............ 25 $211,347 46 $202,041 -4.4 NA $202,041
Middle........... 48 329,693 41 245,973 -25.4 -0.6 \1\327,715
Upper............ 78 363,460 96 374,918 3.2 NA 374,918
Notes: Real estate professionals state that market is stable. Change at middle level is not consistent with
change at lower and upper levels nor with professionals' opinions. Data are stronger at lower and upper
levels. Therefore, last year's middle value is adjusted by average rate of change at lower and upper levels.
----------------------------------------------------------------------------------------------------------------
Hilo, Hawaii:
Lower............ 15 $130,743 23 $127,854 -2.2 NA $127,854
Middle........... 16 162,903 36 172,185 5.7 NA 172,185
Upper............ 21 197,863 18 225,335 13.9 1.7 \1\201,227
Notes: Real estate professionals state that housing market is soft. Trends vary greatly among income levels.
Trends at upper level are incongruous with trends at other two levels and with opinions of real estate
professionals. Therefore, last year's upper value is adjusted by the average rate of change at lower and
middle levels.
----------------------------------------------------------------------------------------------------------------
Kailua Kona, Hawaii:
Lower............ 13 $159,867 24 $153,666 -3.9 NA $153,666
Middle........... 22 222,950 26 219,245 -1.7 NA 219,245
Upper............ 26 261,018 36 261,902 0.3 NA 261,902
Notes: Real Estate professionals believe market is stable. Data are more numerous this year and are good.
Changes nearly uniform among levels. Therefore, no adjustments made.
----------------------------------------------------------------------------------------------------------------
Kauai, Hawaii:
Lower............ 9 $171,792 13 $144,810 -15.7 0.1 \1\$171,964
Middle........... 3 221,624 10 221,858 0.1 NA 221,858
Upper............ 10 273,921 21 221,986 -19.0 0.1 \1\274,195
Notes: Real estate professionals believe prices are generally stable except at upper level, where prices
declined. Professionals say market not affected by Hurricane Iniki, but condition of properties at sale is
not known. Decreases could reflect short-term fluctuations due to storm damage. Therefore, change at middle
level used to adjust last year's values at lower and upper levels because change is more consistent with
professionals' opinions.
----------------------------------------------------------------------------------------------------------------
Maui, Hawaii:
Lower............ 7 $207,913 18 $180,099 -13.4 NA $180,099
Middle........... 19 275,925 34 255,476 -7.4 NA 255,476
Upper............ 8 346,925 6 369,274 6.4 -10.4 \1\310,845
Notes: Real estate professionals state housing prices are declining because of the slower U.S. economy, lack
of tourism, and decrease in foreign investments. Therefore, the average change at the lower and middle levels
is used to adjust the previous year's value at the upper level.
----------------------------------------------------------------------------------------------------------------
Guam:
Lower............ 3 $130,855 26 $144,738 10.6 NA $144,738
Middle........... 6 162,534 15 189,280 16.5 NA 189,280
Upper............ 3 309,777 13 258,978 -16.4 NA 258,978
Notes: Real estate professionals believe that market is soft and that prices have declined in the past year.
Typhoon Omar does not appear to have adversely affected market. Quantity of data is significantly greater
this year at all income levels. Data are good. Therefore, no adjustments made.
----------------------------------------------------------------------------------------------------------------
Mayaguez, Puerto
Rico:
Lower............ 2 $61,459 1 $65,106 5.9 -0.9 \1\$60,906
Middle........... 5 98,484 5 100,737 2.3 -0.9 \1\97,598
Upper............ 4 143,298 4 130,169 -9.2 -0.9 \1\142,008
(\2\) (\2\) (\2\)
(\3\) (\3\) (\3\)
Notes: Real estate professionals indicate that market has been very slow and prices have been flat. Data are
sparse at all levels. Therefore, previous and current year's data are merged separately and the overall
change for the two sets of merged data is used to adjust the previous year's values at each level.
----------------------------------------------------------------------------------------------------------------
San Juan, Puerto
Rico:
Lower............ 79 $62,271 147 $61,389 -1.4 NA $61,389
Middle........... 23 84,721 48 84,084 -0.8 NA 84,084
Upper............ 31 151,946 31 151,878 0.0 NA 151,878
Notes: Real estate professionals believe that prices are stable. Change is fairly uniform among income levels.
Number of observations in current survey exceed previous survey at the lower and middle levels. Since this
year's data are more numerous and change is consistent with professional opinions, no adjustments are made.
----------------------------------------------------------------------------------------------------------------
St Croix, Virgin
Islands:
Lower............ 10 $103,635 6 $78,705 -24.1 9.0 $112,962
Middle........... 5 151,866 8 174,161 14.7 NA 174,161
Upper............ 3 188,037 5 194,004 3.2 NA 194,004
Notes: Real estate professionals believe market is very slow. Data are sparse at all income levels, and trends
vary widely among levels and differ from real estate professionals opinions. Trend at lower income level
incongruous with trends at other two levels and also with professional's opinions. Therefore, the previous
year's value at the lower income is adjusted by the average rate of change at middle and upper income level.
----------------------------------------------------------------------------------------------------------------
St Thomas, Virgin
Islands:
Lower............ 9 $128,930 11 $139,680 8.3 NA $139,680
Middle........... 6 183,591 2 217,997 18.7 8.3 \1\198,829
Upper............ 3 214,173 5 241,196 12.6 8.3 \1\231,949
Notes: Real estate professionals believe market is declining. Data are sparse at middle and upper levels.
Therefore, the rate of change at lower level is used to adjust previous values at middle and upper levels.
----------------------------------------------------------------------------------------------------------------
Washington DC,
District of Columbia
Summer 1993 Survey:
Lower............ 46 $88,083 38 $97,218 10.4 8.2 \1\$95,306
Middle........... 40 115,960 34 108,433 -6.5 8.2 \1\125,469
Upper............ 30 250,512 56 302,515 20.8 8.2 \1\271,054
Notes: Real estate professionals state that prices have remained stable. Data are generally less numerous than
previous data. Trends vary significantly among levels and are not consistent with professionals' opinions.
Therefore, average rate of the change at all three income levels is used to adjust last year's data.
----------------------------------------------------------------------------------------------------------------
Washington DC,
Maryland Summer 1993
Survey:
Lower............ 9 $104,832 14 $95,031 -9.3 NA $95,031
Middle........... 8 125,723 12 174,538 38.8 -7.5 \1\116,294
Upper............ 13 211,667 19 199,750 -5.6 NA 199,750
Notes: Real estate professionals indicate that market has been slow and prices stable. Change at middle level
is greater than what professionals believe is likely. Therefore, change at lower and upper income levels are
averaged and used to adjust last year's middle value.
----------------------------------------------------------------------------------------------------------------
Washington DC,
Virginia Summer 1993
Survey:
Lower............ 45 $95,184 40 $94,563 -0.7 NA $94,563
Middle........... 81 125,047 66 126,984 1.5 NA 126,984
Upper............ 114 182,325 139 181,917 -0.2 NA 181,917
Notes: Real estate professionals say that the market is slow. Data are numerous at all income levels. Data are
good, and rates of change appear consistent with professionals' opinions. Therefore, no adjustments are made.
----------------------------------------------------------------------------------------------------------------
\1\Adjusted.
\2\Overall average = -0.3 percent.
\3\Merged average = -0.9 percent.
Appendix 9B.--Analysis of Rental Data
--------------------------------------------------------------------------------------------------------------------------------------------------------
Previous Current
------------------------------------------------------------------ Percent Percent Final
Location Nonbroker change adjustment value
OBS Average OBS Broker Average
--------------------------------------------------------------------------------------------------------------------------------------------------------
City and county of Honolulu, Hawaii:
Lower........................................... 68 $750 218 $795 $836 $816 8.8 NA $816
Middle.......................................... 42 960 140 993 950 972 1.3 NA 972
Upper........................................... 69 1,384 479 1,266 1,281 1,274 -7.9 NA 1,274
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft, especially for house rentals. Observed trends support this. Number of observations significantly
greater this year. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Hilo, Hawaii:
Lower........................................... 16 $584 21 $414 $619 $517 -11.5 NA $517
Middle.......................................... 19 716 39 552 844 698 -2.5 NA 698
Upper........................................... 37 878 143 685 1,050 868 -1.1 NA 868
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft and that prices are stable or declining. Number of observations greater this year, particularly at
upper level. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Kailua Kona, Hawaii:
Lower........................................... 17 $734 76 $617 $738 $678 -7.6 NA $678
Middle.......................................... 22 883 58 727 875 801 -9.3 NA 801
Upper........................................... 27 1,111 97 925 1,175 1,050 -5.5 NA 1,050
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft and that prices are stable or declining. Number of observations significantly greater this year at
all levels. Current data are good. Therefore, no adjustments are made.
========================================================================================================================================================
Kauai, Hawaii:
Lower........................................... 15 $811 19 $600 $800 $800B -1.4 13.6 $921*
Middle.......................................... 20 906 25 1,000 1,100 1,050 15.9 NA 1,050
Upper........................................... 22 1,358 56 1,643 1,379 1,511 11.3 NA 1,511
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Adjusted by average at middle and upper levels
B=Broker only because less than 3 non-broker samples.
Notes: Realty professionals indicate greater demand for rentals as a result of Iniki but believe prices are stable. (This agrees with broker data
trends.) Current data are good at middle and upper income levels but are weaker at lower income levels. Therefore, previous year's rate at lower level
is adjusted by the average of the rates of change at the middle and upper income levels.
========================================================================================================================================================
Maui, Hawaii:
Lower........................................... 33 $650 52 $601 $669 $635 -2.3 NA $635
Middle.......................................... 51 847 60 708 885 797 -5.9 NA 797
Upper........................................... 71 1,085 84 1,020 1,179 1,100 1.4 NA 1,100
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that prices are stable or declining. Tourism is low, and this is depressing the rental market. Number of
observations are greater this year than last year. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Guam:
Lower........................................... 16 $749 24 $749 $856 $803 7.2 NA $803
Middle.......................................... 20 1,061 35 980 1,119 1.050 -1.0 NA 1,050
Upper........................................... 39 1,559 63 1,421 2,079 1,750 12.3 NA 1,750
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicated that rental prices were declining earlier in the year but now are increasing perhaps because of increased
homeowner insurance costs as a result of typhoon Omar. Professionals believe tourism is down, that this reduces demand and partially offsets rent
increases that might otherwise occur. Number of observations greater this year. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Mayaguez, Puerto Rico:
Lower........................................... 10 $408 8 $600 $490 490B 20.1 1.6 $415*
Middle.......................................... 22 596 10 588 638 613 2.9 1.6 606*
Upper........................................... 10 967 25 760 820 790 -18.3 1.6 982*
--------------------------------------------------------------------------------------------------------------------------------------------------------
B=Broker only because less than 3 non-broker samples.
Overall average: 1.6%.
*Adjusted by overall average.
Notes: Realty professionals indicate that market is stable but tight because of college student population and demand for units. Data trends are
divergent, even among broker data. Therefore, rates of change at all three levels are averaged and result (1.6%) used to adjust last year's results by
income level.
========================================================================================================================================================
San Juan, Puerto Rico:
Lower........................................... 29 $684 36 $708 $747 $728 6.4 NA $728
Middle.......................................... 34 1,079 50 1,185 950 1,068 -1.0 NA 1,068
Upper........................................... 50 1,996 98 1,831 1,955 1,893 -5.2 NA 1,893
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate rental market is stable or decreasing. Number of observations greater this year, particularly at upper level.
Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
St Croix, Virgin Islands:
Lower........................................... 4 $697 80 $714 $644 $679 -2.6 NA $679
Middle.......................................... 4 1,129 49 840 754 797 -29.4 -4.6 1,077
Upper........................................... 19 1,457 39 1,427 1,295 1,361 -6.6 NA 1,361
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals say that rental rates are declining. However, change at middle income level is incongruous with change at other two levels
and beyond what realty professionals would expect. Therefore, rates of change at lower and upper income levels are averaged and used to adjust previous
year's rate at middle income level.
========================================================================================================================================================
St. Thomas, Virgin Islands:
Lower........................................... 32 $735 62 $643 $925 $784 6.7 NA $784
Middle.......................................... 25 1,069 60 930 1,025 978 -8.5 NA 978
Upper........................................... 22 1,530 44 1,273 1,488 1,381 -9.7 NA 1,381
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals believe prices are declining because rental availability is at peak since hurricane Hugo. Number of observations greater
this year at all levels. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Washington DC, District of Columbia Summer 1993
Survey:
Lower........................................... 99 $485 160 $451 $463 $457 -5.8 NA $457
Middle.......................................... 54 643 69 592 600 596 -7.3 NA 596
Upper........................................... 34 1,594 55 1,450 1,638 1,544 -3.1 NA 1,544
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable and that rental availability is good. However, trends indicate market is declining. Number of
observations greater this year. Current data are good. Therefore, no adjustments are made.
========================================================================================================================================================
Washington DC, Maryland, Summer 1993 Survey:
Lower........................................... 54 $535 63 $514 $538 $526 -1.7 NA $526
Middle.......................................... 33 763 41 783 744 764 -0.1 NA 764
Upper........................................... 62 961 105 980 1,777 1,079 -12.3 NA 1,079
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable, that turnover is high, but that townhouses and houses for rent are scarce (mainly affects
upper level). Number of observations is greater this year. Current data are good. Therefore, no adjustments made.
========================================================================================================================================================
Washington, DC, Virginia Summer 1993 Survey:
Lower........................................... 37 $571 36 $573 $600 $587 2.8 NA $587
Middle.......................................... 105 752 138 781 744 763 1.5 NA 763
Upper........................................... 115 1,033 238 979 994 987 -4.5 NA 987
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable and that availability is good. Number of observations is greater this year, particularly at
upper level. Current data are good. Therefore, no adjustments made.
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Honolulu, HI; Date Prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 804 1148 1507
Maintenance/oil.......................................................... 399 413 458
Tires.................................................................... 112 144 161
License and registration................................................. 80 94 103
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3176 3596 4353
Finance expense.......................................................... 792 870 1076
Insurance................................................................ 1716 1629 1936
--------------------------------------
Total annual cost.................................................. 7079 7894 9594
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Hilo, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 861 1229 1613
Maintenance/oil.......................................................... 413 446 433
Tires.................................................................... 112 144 162
License and registration................................................. 62 71 77
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3176 3596 4353
Finance expense.......................................................... 730 802 992
Insurance................................................................ 1624 1547 1808
--------------------------------------
Total annual cost.................................................. 6978 7835 9438
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Kailua Kona, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 942 1345 1765
Maintenance/oil.......................................................... 367 413 432
Tires.................................................................... 112 144 162
License and registration................................................. 62 71 77
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3176 3596 4353
Finance expense.......................................................... 751 825 1020
Insurance................................................................ 1597 1539 1816
--------------------------------------
Total annual cost.................................................. 7007 7933 9625
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Hawaii Composite; Summer 1993 Survey; Date Prepared: 17-Feb-94]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Location Weights 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Hilo, HI.................................................... 82.25 6978 7835 9438
Kailua Kona, HI............................................. 17.75 7007 7933 9625
---------------------------------------------------
Total Weight.......................................... 100.000 ........... ........... ...........
Composite cost.............................................. ........... 6983 7852 9471
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Kauai, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 862 1232 1616
Maintenance/oil.......................................................... 341 363 404
Tires.................................................................... 112 144 162
License and registration................................................. 68 79 86
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3176 3596 4353
Finance expense.......................................................... 847 931 1151
Insurance................................................................ 1424 1367 1642
--------------------------------------
Total annual cost.................................................. 6830 7712 9414
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Maui, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 852 1217 1597
Maintenance/oil.......................................................... 414 424 456
Tires.................................................................... 112 144 162
License and registration................................................. 68 79 86
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3176 3596 4353
Finance expense.......................................................... 765 840 1039
Insurance................................................................ 1577 1503 1760
--------------------------------------
Total annual cost.................................................. 6964 7803 9453
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Guam; Date Prepared: 24-Mar-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 736 1052 1381
Maintenance/oil.......................................................... 330 352 398
Tires.................................................................... 92 139 136
License and registration................................................. 28 31 33
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3093 3752 4075
Finance expense.......................................................... 852 984 1125
Insurance................................................................ 1631 1617 2075
--------------------------------------
Total annual cost.................................................. 6762 7927 9223
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Mayaguez, PR; Date Prepared: 24-Mar-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 564 806 1057
Maintenance/oil.......................................................... 249 255 287
Tires.................................................................... 87 114 120
License and registration................................................. 88 88 88
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3451 4523 4987
Finance expense.......................................................... 1060 1304 1498
Insurance................................................................ 1104 1227 1300
--------------------------------------
Total annual cost.................................................. 6603 8317 9337
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: San Juan, PR; Date Prepared: 24-Mar-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 514 734 964
Maintenance/oil.......................................................... 286 322 341
Tires.................................................................... 87 114 120
License and registration................................................. 88 88 88
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 3451 4523 4987
Finance expense.......................................................... 972 1195 1373
Insurance................................................................ 1245 1385 1471
--------------------------------------
Total annual cost.................................................. 6643 8361 9344
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Puerto Rico Composite; Summer 1993 Survey; Date Prepared: 24-Mar-94]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Location Weights 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................ 84.09 6643 8361 9344
Mayaguez, PR................................................ 15.91 6603 8317 9337
---------------------------------------------------
Total weight.......................................... 100.00 ........... ........... ...........
Composite cost........................................ ........... 6637 8354 9343
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: St Croix VI, Date Prepared: 24-Mar-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 584 834 1095
Maintenance/oil.......................................................... 260 285 290
Tires.................................................................... 87 114 120
License and registration................................................. 35 44 54
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 2997 3749 3934
Finance expense.......................................................... 904 1066 1191
Insurance................................................................ 2087 2242 3152
--------------------------------------
Total annual cost.................................................. 6954 8334 9836
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: St Thomas, VI; Date Prepared: 24-Mar-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4WD 2dr
----------------------------------------------------------------------------------------------------------------
Fuel..................................................................... 664 949 1246
Maintenance/oil.......................................................... 329 363 384
Tires.................................................................... 87 114 120
License and registration................................................. 35 44 54
Miscellaneous tax........................................................ 0 0 0
Depreciation............................................................. 2997 3749 3934
Finance expense.......................................................... 867 1023 1142
Insurance................................................................ 1571 1427 2834
--------------------------------------
Total annual cost.................................................. 6550 7669 9714
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis, Virgin Islands Composite
[Date Prepared: 24-Mar-94; Summer 1993 Survey]
------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Location Weights 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4wd 2 dr
------------------------------------------------------------------------
St. Croix, VI....... 45.73 6954 8334 9836
St. Thomas, VI...... 54.27 6550 7669 9714
---------------------------------------------------
Total Weight.. 100.00 ........... ........... ...........
Composite Cost ........... 6735 7973 9770
------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington, DC, DC; Date Prepared: 21-Oct-93; Summer 1993
Survey]
------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4wd 2 dr
------------------------------------------------------------------------
Fuel............................. 596 851 1117
Maintenance/Oil.................. 376 402 432
Tires............................ 71 91 102
License & Registration........... 74 74 74
Miscellaneous Tax................ 0 0 0
Depreciation..................... 2491 3163 3392
Finance Expense.................. 487 575 657
Insurance........................ 1048 995 1263
--------------------------------------
Total Annual Cost.......... 5143 6151 7037
------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington, DC, MD; Date Prepared: 22-Oct-93; Summer 1993
Survey]
------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4wd 2 dr
------------------------------------------------------------------------
Fuel............................. 585 835 1096
Maintenance/Oil.................. 413 434 439
Tires............................ 70 90 101
License & Registration........... 48 48 48
Miscellaneous Tax................ 0 0 0
Depreciation..................... 2455 3121 3296
Finance Expense.................. 490 579 655
Insurance........................ 983 976 1146
--------------------------------------
Total Annual Cost.......... 5044 6083 6781
------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington, DC, VA; Date Prepared: 21-Oct-93; Summer 1993
Survey]
------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Category 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4wd 2 dr
------------------------------------------------------------------------
Fuel............................. 586 837 1099
Maintenance/Oil.................. 376 382 427
Tires............................ 70 90 101
License & Registration........... 71 71 71
Miscellaneous Tax................ 284 312 412
Depreciation..................... 2384 3036 3201
Finance Expense.................. 445 526 596
Insurance........................ 734 710 837
--------------------------------------
Total Annual Cost.......... 4950 5964 6744
------------------------------------------------------------------------
Private Transportation Cost Analysis, Washington, DC Composite
[Date Prepared: 22-Oct-93; Summer 1993 Survey]
------------------------------------------------------------------------
Annual costs
--------------------------------------
Honda Civic Ford Taurus Chevrolet
Location Weights 1.5L 4 cyl 3.0L 6 cyl S10 Blazer
DX 4 dr GL 4 dr 4.3L 6 cyl
sedan sedan 4wd 2 dr
------------------------------------------------------------------------
Washington DC, DC... 33.34 5143 6151 7037
Washington DC, MD... 33.33 5044 6083 6781
Washington DC, VA... 33.33 4950 5964 6744
---------------------------------------------------
Total Weight.. 100.00 ........... ........... ...........
Composite Cost ........... 5046 6066 6854
------------------------------------------------------------------------
BILLING CODE 6325-01-M
TN26MY94.004
TN26MY94.005
TN26MY94.006
TN26MY94.007
TN26MY94.008
Billing Code 6325-01-C
Transportation Analysis
[Location: Honolulu, HI; Date Prepared: 05-Nov-93; Summer 1993 Survey]
------------------------------------------------------------------------
Total
Vehicle annual cost Total cost Index
DC area
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 7079 5046 140.29
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7894 6066 130.14
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9594 6854 139.98
--------------------------------------
Average Index.............. ........... ........... 136.80
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 136.80 94.80 129.69 94.32 129.03 93.55 127.98
Public Transportation 83.02 5.20 4.32 5.68 4.72 6.45 5.35
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 134.01 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 133.75 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 133.33
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Hawaii County, HI; Date Prepared: 17-Feb-94; Summer 1993
Survey]
------------------------------------------------------------------------
Total
Vehicle annual cost Total cost Index
DC area
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6983 5046 138.39
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7852 6066 129.44
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9471 6854 138.18
--------------------------------------
Average Index.............. ........... ........... 135.34
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 135.34 94.80 128.30 94.32 127.65 93.55 126.61
Public Transportation 87.54 5.20 4.55 5.68 4.97 6.45 5.65
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 132.85 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 132.62 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 132.26
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Kauai County, HI; Date prepared: 22-Oct-93; Summer 1993
Survey]
------------------------------------------------------------------------
Total Total cost
Vehicle annual cost DC area Index
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6830 5046 135.35
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7712 6066 127.13
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9414 6854 137.35
--------------------------------------
Average Index.............. ........... ........... 133.28
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 133.28 94.80 126.35 94.32 125.71 93.55 124.68
Public Transportation 87.46 5.20 4.55 5.68 4.97 6.45 5.64
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 130.90 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 130.68 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 130.32
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Maui County, HI; Date prepared: 22-Oct-93; Summer 1993
Survey]
------------------------------------------------------------------------
Total Total cost
Vehicle annual cost DC area Index
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6964 5046 138.01
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7803 6066 128.64
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9453 6854 137.92
--------------------------------------
Average Index.............. ........... ........... 134.86
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 134.86 94.80 127.85 94.32 127.20 93.55 126.16
Public Transportation 88.02 5.20 4.58 5.68 5.00 6.45 5.68
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 132.43 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 132.20 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 131.84
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Guam; Date prepared: 24-Mar-94; Summer 1993 Survey]
------------------------------------------------------------------------
Total
Vehicle annual cost Total cost Index
DC area
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6762 5046 134.01
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7927 6066 130.68
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9223 6854 134.56
------------
Average Index................ ........... ........... 133.08
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 133.08 94.80 126.16 94.32 125.52 93.55 124.50
Public Transportation 184.60 5.20 9.60 5.68 10.49 6.45 11.91
------------------------------------------------------------------------------------------
Total Weights.... ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes: ........... ........... ........... ........... ........... ........... ...........
Lower.......... ........... ........... 135.76 ........... ........... ........... ...........
Middle......... ........... ........... ........... ........... 136.01 ........... ...........
Upper.......... ........... ........... ........... ........... ........... ........... 136.41
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Puerto Rico; Date prepared: 24-Mar-94; Summer 1993 Survey]
------------------------------------------------------------------------
Total
Vehicle annual cost Total cost Index
DC area
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6637 5046 131.53
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 8354 6066 137.72
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9343 6854 136.31
------------
Average Index................ ........... ........... 135.19
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 135.19 94.80 128.16 94.32 127.51 93.55 126.47
Public Transportation 104.84 5.20 5.45 5.68 5.95 6.45 6.76
------------------------------------------------------------------------------------------
Total Weights.... ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower.......... ........... ........... 133.61 ........... ........... ........... ...........
Middle......... ........... ........... ........... ........... 133.46 ........... ...........
Upper.......... ........... ........... ........... ........... ........... ........... 133.23
----------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Virgin Islands; Date prepared: 24-Mar-94; Summer 1993 Survey]
------------------------------------------------------------------------
Total
Vehicle annual cost Total cost Index
DC area
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4
Cyl............................. 6735 5046 133.47
2. Ford Taurus GL 4 Dr Sedan 3.0L
6 Cyl........................... 7973 6066 131.44
3. Chevy S10 Blazer 4WD 2 Dr 4.3L
6 Cyl........................... 9770 6854 142.54
--------------------------------------
Average Index.............. 135.82
------------------------------------------------------------------------
Transportation Summary
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
Private
Transportation...... 135.82 94.80 128.76 94.32 128.11 93.55 127.06
Public Transportation 107.96 5.20 5.61 5.68 6.13 6.45 6.96
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... ........... 100.00
Total Indexes:
Lower........ ........... ........... 134.37 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 134.24 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 134.02
----------------------------------------------------------------------------------------------------------------
Public Transportation Cost Analysis Summary Program
[Summer 1993 Survey; Date prepared: 17-Feb-94]
------------------------------------------------------------------------
Public
Location transportation Total cost Index
cost DC area
------------------------------------------------------------------------
Honolulu, HI.................. 480 578 83.02
Hawaii County, HI............. 506 578 87.54
Kauai County, HI.............. 506 578 87.46
Maui County, HI............... 509 578 88.02
Guam.......................... 1067 578 184.60
Puerto Rico................... 606 578 104.84
Virgin Islands................ 624 578 107.96
------------------------------------------------------------------------
Public Transportation Composites
[Summer 1993 Survey; Date prepared: 24-Feb-94]
------------------------------------------------------------------------
Location Weights Cost
------------------------------------------------------------------------
San Juan, PR.................................. 84.09 599
Mayaguez, PR.................................. 15.91 646
-------------------------
Total Weight.............................. 100.00 ...........
-------------------------
Puerto Rico Cost.......................... ........... 606
========================================================================
Hilo, HI...................................... 82.25 506
Kailua Kona, HI............................... 17.75 506
-------------------------
Total Weight.............................. 100.00 ...........
-------------------------
Hawaii County, HI Cost.................... ........... 506
========================================================================
St. Croix, VI................................. 45.73 623
St. Thomas, VI................................ 54.27 624
-------------------------
Total Weight.............................. 100.00 ...........
-------------------------
Virgin Islands Cost....................... ........... 624
------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: Honolulu, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 110.03
Nonprescription pain reliever..... 8.3467 5.2772 1.5817 5.0 7.91 ...........
Tetracycline...................... 5.9867 5.3406 1.1210 12.0 13.45 ...........
Vision Check...................... 74.8800 48.1667 1.5546 6.0 9.33 ...........
Dental Service.................... 114.2233 95.5333 1.1956 17.0 20.33 ...........
Doctor Visit...................... 41.5900 48.2222 0.8625 17.0 14.66 ...........
Hospital Room..................... 582.4000 475.3125 1.2253 6.0 7.35 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 110.03 43.41 47.76 31.56 34.73 22.40 24.65
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.... ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower.......... ........... ........... 104.35 ........... ........... ........... ...........
Middle......... ........... ........... ........... ........... 103.17 ........... ...........
Upper.......... ........... ........... ........... ........... ........... ........... 102.25
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: Hilo, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 116.92
Nonprescription pain reliever..... 7.6100 5.2772 1.4421 5.0 7.21 ...........
Tetracycline...................... 7.3633 5.3406 1.3787 12.0 16.54 ...........
Vision Check...................... 61.5667 48.1667 1.2782 6.0 7.67 ...........
Dental Service.................... 116.6533 95.5333 1.2211 17.0 20.76 ...........
Doctor Visit...................... 39.8600 48.2222 0.8266 17.0 14.05 ...........
Hospital Room..................... 1084.7200 475.3125 2.2821 6.0 13.69 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.0 ...........
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
1. Medical Care...... 116.92 43.41 50.75 31.56 36.90 22.40 26.19
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 107.34 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 105.34 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 103.79
Miscellaneous Expense Analysis
[Location: Kailua Kona, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 135.28
Nonprescription pain reliever..... 8.2760 5.2772 1.5683 5.0 7.84 ...........
Tetracycline...................... 7.3367 5.3406 1.3738 12.0 16.49 ...........
Vision Check...................... 68.2000 48.1667 1.4159 6.0 8.50 ...........
Dental Service.................... 160.5067 95.5333 1.6801 17.0 28.56 ...........
Doctor Visit...................... 67.2533 48.2222 1.3947 17.0 23.71 ...........
Hospital Room..................... 1044.1600 475.3125 2.1968 6.0 13.18 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 135.28 43.41 58.73 31.56 42.69 22.40 30.30
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 115.32 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 111.13 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 107.90
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Hawaii County Composite
[Summer 1993 Survey; Date prepared: 24-Feb-94]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
Hilo, HI.................... 82.25 107.34 105.34 103.79
Kailua Kona, HI............. 17.75 115.32 111.13 107.90
-------------------------------------------
Total Weight.......... 100.00 ......... ......... .........
Composite indexes..... ......... 108.76 106.37 104.52
------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: Kauai County, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 117.27
Nonprescription pain reliever..... 8.2767 5.2772 1.5684 5.0 7.84 ...........
Tetracycline...................... 7.6500 5.3406 1.4324 12.0 17.19 ...........
Vision Check...................... 63.7867 48.1667 1.3243 6.0 7.95 ...........
Dental Service.................... 119.7467 95.5333 1.2535 17.0 21.31 ...........
Doctor Visit...................... 53.3867 48.2222 1.1071 17.0 18.82 ...........
Hospital Room..................... 566.8000 475.3125 1.1925 6.0 7.16 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 117.27 43.41 50.91 31.56 37.01 22.40 26.27
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 107.50 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 105.45 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 103.87
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: Maui County, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... 127.32
Nonprescription pain reliever..... 8.4167 5.2772 1.5949 5.0 7.97 ...........
Tetracycline...................... 6.8467 5.3406 1.2820 12.0 15.38 ...........
Vision Check...................... 60.7367 48.1667 1.2610 6.0 7.57 ...........
Dental Service.................... 139.7333 95.5333 1.4627 17.0 24.87 ...........
Doctor Visit...................... 61.2967 48.2222 1.2711 17.0 21.61 ...........
Hospital Room..................... 1023.3600 475.3125 2.1530 6.0 12.92 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 127.32 43.41 55.27 31.56 40.18 22.40 28.52
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.......... ........... ........... 111.86 ........... ........... ........... ...........
Middle......... ........... ........... ........... ........... 108.62 ........... ...........
Upper.......... ........... ........... ........... ........... ........... ........... 106.12
Miscellaneous Expense Analysis
[Location: Guam; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category Index Development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 103.18
Nonprescription pain reliever..... 9.5967 5.2772 1.8185 5.0 9.09 ...........
Tetracycline...................... 4.9333 5.3406 0.9237 12.0 11.08 ...........
Vision Check...................... 20.0000 48.1667 0.4152 6.0 2.49 ...........
Dental Service.................... 157.6667 95.5333 1.6504 17.0 28.06 ...........
Doctor Visit...................... 35.6667 48.2222 0.7396 17.0 12.57 ...........
Hospital Room..................... 229.1000 475.3125 0.4820 6.0 2.89 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.00 37.00 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
1. Medical Care...... 103.18 43.41 44.79 31.56 32.56 22.40 23.11
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower.......... ........... ........... 101.38 ........... ........... ........... ...........
Middle......... ........... ........... ........... ........... 101.00 ........... ...........
Upper.......... ........... ........... ........... ........... ........... ........... ...........
Miscellaneous Expense Analysis
[Location: Mayaguez, PR; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 70.41
Nonprescription pain reliever..... 4.7233 5.2772 0.8950 5.0 4.48 ...........
Tetracycline...................... 3.6000 5.3406 0.6741 12.0 8.09 ...........
Vision check...................... 26.6667 48.1667 0.5536 6.0 3.32 ...........
Dental service.................... 45.0000 95.5333 0.4710 17.0 8.01 ...........
Doctor visit...................... 20.0000 48.2222 0.4147 17.0 7.05 ...........
Hospital room..................... 194.5000 475.3125 0.4092 6.0 2.46 ...........
Health insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 70.41 43.41 30.56 31.56 22.22 22.40 15.77
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins./
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 87.15
Middle....... ........... ........... ........... ........... 90.66
Upper........ ........... ........... ........... ........... ........... ........... 93.37
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: San Juan, PR; Date prepared: 05-Nov-93; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 78.09
Nonprescription pain reliever..... 5.7017 5.2772 1.0804 5.0 5.40
Tetracycline...................... 3.2633 5.3406 0.6110 12.0 7.33
Vision Check...................... 31.6667 48.1667 0.6574 6.0 3.94
Dental Service.................... 62.3333 95.5333 0.6525 17.0 11.09
Doctor Visit...................... 30.6667 48.2222 0.6359 17.0 10.81 ...........
Hospital Room..................... 200.0000 475.3125 0.4208 6.0 2.52 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weight Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 78.09 43.41 33.90 31.56 24.65 22.40 17.49
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00
Total Indexes:
Lower........ ........... ........... 90.49 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 93.09 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 95.09
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Puerto Rico Composite
[Summer 1993 survey; Date prepared: 24-Feb-94]
------------------------------------------------------------------------
Total indexes
-------------------------------------------
Location Lower Middle Upper
Weights income income income
------------------------------------------------------------------------
San Juan, PR................ 84.09 90.49 93.09 95.09
Mayaguez, PR................ 15.91 87.15 90.66 93.37
-------------------------------------------
Total weight.......... 100.00 ......... ......... .........
Composite indexes..... ......... 89.96 92.70 94.82
------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: St. Croix, VI; Date prepared: 28-Feb-94; Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 94.63
Nonprescription pain reliever..... 6.5780 5.2772 1.2465 5.0 6.23 ...........
Tetracycline...................... 5.3300 5.3406 0.9980 12.0 11.98 ...........
Vision Check...................... 45.0000 48.1667 0.9343 6.0 5.61 ...........
Dental Service.................... 67.5000 95.5333 0.7066 17.0 12.01 ...........
Doctor Visit...................... 50.0000 48.2222 1.0369 17.0 17.63 ...........
Hospital Room..................... 330.0000 475.3125 0.6943 6.0 4.17 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 94.63 43.41 41.08 31.56 29.87 22.40 21.20
2. Cash Contributions 100.000 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... ........... ........... ........... 97.67 ...........
Middle....... ........... ........... ........... ........... ........... 98.31 ...........
Upper........ ........... ........... ........... ........... ........... 98.80 ...........
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis
[Location: St Thomas, VI; Date prepared: 28-Feb-94 Summer 1993 Survey]
----------------------------------------------------------------------------------------------------------------
Category index development
-----------------------------------------------------------------------------
Category/Item Price DC
Price area Ratio Weights Subtot Index
----------------------------------------------------------------------------------------------------------------
Medical Care...................... ........... ........... ........... ........... ........... 115.96
Nonprescription pain reliever..... 8.2233 5.2772 1.5583 5.0 7.79 ...........
Tetracycline...................... 10.9167 5.3406 2.0441 12.0 24.53 ...........
Vision Check...................... 46.6667 48.1667 0.9689 6.0 5.81 ...........
Dental Service.................... 86.3333 95.5333 0.9037 17.0 15.36 ...........
Doctor Visit...................... 56.6667 48.2222 1.1751 17.0 19.98 ...........
Hospital Room..................... 435.0000 475.3125 0.9152 6.0 5.49 ...........
Health Insurance.................. 1.0000 1.0000 1.0000 37.0 37.00 ...........
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Total index development
------------------------------------------------------------------------------------------
Categories Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights Subtot Weights Subtot Weights Subtot
----------------------------------------------------------------------------------------------------------------
1. Medical Care...... 115.96 43.41 50.34 31.56 36.60 22.40 25.98
2. Cash Contributions 100.00 12.38 12.38 14.90 14.90 16.85 16.85
3. Personal Ins/
Pension............. 100.00 44.21 44.21 53.54 53.54 60.75 60.75
------------------------------------------------------------------------------------------
Total Weights.. ........... 100.00 ........... 100.00 ........... 100.00 ...........
Total Indexes:
Lower........ ........... ........... 106.93 ........... ........... ........... ...........
Middle....... ........... ........... ........... ........... 105.04 ........... ...........
Upper........ ........... ........... ........... ........... ........... ........... 103.58
----------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Virgin Islands Composite
[Summer 1993 Survey; Date prepared: 24-Feb-94]
------------------------------------------------------------------------
Total indexes
-------------------------------------------
Location Lower Middle Upper
Weights income income income
------------------------------------------------------------------------
St. Croix, VI............... 45.73 97.67 98.31 98.80
St. Thomas, VI.............. 54.27 106.93 105.04 103.58
-------------------------------------------
Total weight.......... 100.00 ......... ......... .........
Composite indexes..... ......... 102.70 101.96 101.39
------------------------------------------------------------------------
Appendix 13.--Federal Employment Weights Within a Single Allowance Area;
Multiple Survey Areas
[Summer 1993 Survey; Date prepared: 24-Feb-94]
------------------------------------------------------------------------
Location 1990 1992 1993 Average Weights
------------------------------------------------------------------------
Hawaii County:
Hilo, HI..... 231 243 250 241 82.25
Kailua Kona,
HI.......... 58 47 52 52 17.75
------------------------------------------------------
Total...... ......... ......... ......... 293 100.00
------------------------------------------------------------------------
Puerto Rico:
San Juan, PR. 2932 5074 5135 4380 84.09
Mayaguez, PR. 1257 625 606 829 15.91
------------------------------------------------------
Total...... ......... ......... ......... 5209 100.00
------------------------------------------------------------------------
Virgin Islands:
St. Croix, VI 209 148 142 166 45.73
St. Thomas,
VI.......... 221 180 190 197 54.27
------------------------------------------------------
Total...... ......... ......... ......... 363 100.00
------------------------------------------------------------------------
Federal Employment Weights Within a Single Allowance Area; Multiple Income Levels
[Summer 1993 Survey; Date prepared: 24-Feb-94]
----------------------------------------------------------------------------------------------------------------
Location Income level 1990 1992 1993 Average Weights
----------------------------------------------------------------------------------------------------------------
Honolulu, HI.................. Low...................... 5307 4789 4346 4814 35.59
Middle................... 4496 4567 4540 4534 33.52
Upper.................... 3946 4248 4344 4179 30.89
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 13527 100.00
----------------------------------------------------------------------------------------------------------------
Hawaii County, HI............. Low...................... 102 129 122 118 36.09
Middle................... 114 133 145 131 40.06
Upper.................... 73 77 85 78 23.85
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 327 100.00
----------------------------------------------------------------------------------------------------------------
Kauai County, HI.............. Low...................... 51 53 71 58 25.66
Middle................... 97 94 94 95 42.04
Upper.................... 70 71 78 73 32.30
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 226 100.00
----------------------------------------------------------------------------------------------------------------
Maui County, HI............... Low...................... 26 29 37 31 23.13
Middle................... 52 61 56 56 41.80
Upper.................... 46 44 51 47 35.07
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 134 100.00
----------------------------------------------------------------------------------------------------------------
Guam.......................... Low...................... 949 1010 1061 1007 49.39
Middle................... 593 650 696 646 31.68
Upper.................... 334 387 437 386 18.93
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 2039 100.00
----------------------------------------------------------------------------------------------------------------
Puerto Rico................... Low...................... 1763 2535 2330 2209 42.32
Middle................... 1592 2133 2287 2004 38.39
Upper.................... 834 1047 1140 1007 19.29
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 5220 100.00
----------------------------------------------------------------------------------------------------------------
Virgin Islands................ Low...................... 214 125 128 156 42.86
Middle................... 153 139 133 142 39.01
Upper.................... 63 64 71 66 18.13
---------------------------------------------------------------------------------
Total................... ......................... ......... ......... ......... 364 100.00
----------------------------------------------------------------------------------------------------------------
Appendix 14.--Component Expenditure Amounts
[Date prepared: 24-Mar 93]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Indexes Amounts
---------------------------------------------------------------------------------------------------
Incomes CG&S Own Rent Trn Misc CG&S Own Rent Trn Misc
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts.................................. 18,000 39.59 24.35 24.35 20.76 15.30 7,126 4,383 4,383 3,737 2,754
28,400 39.15 23.48 23.48 20.33 17.04 11,119 6,668 6,668 5,774 4,839
45,200 38.74 22.66 22.66 19.94 18.66 17,510 10,242 10,242 9,013 8,434
Location:
Honolulu, HI\1\................................. Lower 117.27 157.72 134.06 134.01 104.35 8,357 6,913 5,876 5,008 2,874
Middle 116.17 200.60 121.49 133.75 103.17 12,917 13,376 8,101 7,723 4,992
Upper 115.13 141.61 99.34 133.33 102.25 20,159 14,504 10,174 12,017 8,624
Hawaii County, HI............................... Lower 108.66 111.98 96.64 132.85 108.76 7,743 4,908 4,236 4,965 2,995
Middle 107.58 118.65 94.54 132.62 106.37 11,962 7,912 6,304 7,657 5,147
Upper 106.56 85.19 74.22 132.26 104.52 18,659 8,725 7,602 1,1921 8,815
Kauai County, HI................................ Lower 117.82 138.11 151.16 130.90 107.50 8,396 6,053 6,625 4,892 2,961
Middle 116.36 140.69 131.99 130.68 105.45 12,938 9,381 8,801 7,545 5,103
Upper 114.99 105.99 117.36 130.32 103.87 20,135 10,855 12,020 11,746 8,760
Maui County, HI................................. Lower 121.02 141.94 109.43 132.43 111.86 8,624 6,221 4,796 4,949 3,081
Middle 119.70 158.11 103.82 132.20 108.62 13,309 10,543 6,923 7,633 5,256
Upper 118.46 117.20 88.44 131.84 106.12 20,742 12,004 9,058 11,883 8,950
Guam............................................ Lower 116.61 145.11 135.24 135.76 101.38 8,310 6,360 5,928 5,073 2,792
Middle 116.49 147.14 133.58 136.01 101.00 12,953 9,811 8,907 7,853 4,887
Upper 116.36 120.19 136.21 136.41 100.71 20,375 12,310 13,951 12,295 8,494
Puerto Rico..................................... Lower 98.69 58.18 109.62 133.61 89.96 7,033 2,550 4,805 4,993 2,477
Middle 98.63 63.56 121.00 133.46 92.70 10,967 4,238 8,068 7,706 4,486
Upper 98.54 63.65 131.27 133.23 94.82 17,254 6,519 13,445 12,008 7,997
Virgin Islands.................................. Lower 107.99 138.34 128.47 134.37 102.70 7,695 6,063 5,631 5,021 2,828
Middle 107.70 158.64 132.50 134.24 101.96 11,975 10,578 8,835 7,751 4,934
Upper 107.41 115.20 111.82 134.02 101.39 18,807 11,799 11,453 12,079 8,551
--------------------------------------------------------------------------------------------------------------------------------------------------------
\1\City and county.
Component Expenditure Amounts (Incorporating Military Prices)
[Date prepared: 24, Mar. 93]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Indexes Amounts
-------------------------------------------------------------------------------------------------------------
Incomes CG&S Own Rent TRN Misc. CG&S Own Rent TRN Misc.
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts........................ 18,000 39.59 24.35 24.35 20.76 15.30 7,126 4,383 4,383 3,737 2,754
28,400 39.15 23.48 23.48 20.33 17.04 11,119 6,668 6,668 5,774 4,839
45,200 38.74 22.66 22.66 19.94 18.66 17,510 10,242 10,242 9,013 8,434
Location:
Honolulu, HI (City and County) (Mil).. Lower 110.27 157.72 134.06 134.01 104.35 7,858 6,913 5,876 5,008 2,874
Middle 109.37 200.60 121.49 133.75 103.17 12,161 13,376 8,101 7,723 4,992
Upper 108.54 141.61 99.34 133.33 102.25 19,005 14,504 10,174 12,017 8,624
Guam (Mil)............................ Lower 110.87 145.11 135.24 135.76 101.38 7,901 6,360 5,928 5,073 2,792
Middle 112.87 147.14 133.58 136.01 101.00 12,550 9,811 8,907 7,853 4,887
Upper 114.78 120.19 136.21 136.41 100.71 20,098 12,310 13,951 12,295 8,494
Puerto Rico (Mil)..................... Lower 96.18 58.18 109.62 133.61 89.96 6,854 2,550 4,805 4,993 2,477
Middle 96.49 63.56 121.00 133.46 92.70 10,729 4,238 8,068 7,706 4,486
Upper 96.76 63.65 131.27 133.23 94.82 16,943 6,519 13,445 12,008 7,997
--------------------------------------------------------------------------------------------------------------------------------------------------------
Total Comparative Cost Indexes
[Date Prepared: 24-Mar-94]
----------------------------------------------------------------------------------------------------------------
Income
Location and Inc wghts Own Rent Total WDC Index
----------------------------------------------------------------------------------------------------------------
Lower............................. 18000 37.10 62.90 ........... ........... ...........
Middle............................ 28400 46.91 53.09 ........... ........... ...........
Upper............................. 45200 62.86 37.14 ........... ........... ...........
Honolulu, HI (City and County):
Lower......................... 35.59 23152 22115 22500 18000 ...........
Middle........................ 33.52 39008 33733 36208 28400 ...........
Upper......................... 30.89 55304 50974 53696 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 36731 29888 122.90
-----------------------------------------------------------------------------
Hawaii County, HI:
Lower......................... 36.09 20611 19939 20188 18000 ...........
Middle........................ 40.06 32678 31070 31824 28400 ...........
Upper......................... 23.85 48120 46997 47703 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 31412 28653 109.63
----------------------------------------------------------------------------------------------------------------
Kauai County, HI:
Lower......................... 25.66 22302 22874 22662 18000 ...........
Middle........................ 42.04 34967 34387 34659 28400 ...........
Upper......................... 32.20 51496 52661 51929 45200 ...........
-----------------------------------------------------------------------------
99.90 ........... ........... 37107 31113 119.27
----------------------------------------------------------------------------------------------------------------
Maui County, HI:
Lower......................... 23.13 22875 21450 21979 18000 ...........
Middle........................ 41.80 36741 33121 34819 28400 ...........
Upper......................... 35.07 53579 50633 52485 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 38045 31886 119.32
----------------------------------------------------------------------------------------------------------------
Guam:
Lower......................... 49.39 22535 22103 22263 18000 ...........
Middle........................ 31.68 35504 34600 35024 28400 ...........
Upper......................... 18.93 53474 55115 54083 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 32329 26444 122.25
----------------------------------------------------------------------------------------------------------------
Puerto Rico:
Lower......................... 42.32 17053 19308 18471 18000 ...........
Middle........................ 38.39 27397 31227 29430 28400 ...........
Upper......................... 19.29 43778 50704 46350 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 28056 27239 103.00
----------------------------------------------------------------------------------------------------------------
Virgin Islands:
Lower......................... 42.86 21607 21175 21335 18000 ...........
Middle........................ 39.01 35238 33495 34313 28400 ...........
Upper......................... 18.13 51236 50890 51107 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... ........... 31795 26988 117.81
----------------------------------------------------------------------------------------------------------------
Total Comparative Cost Indexes (Incorporating Military Prices)
[Date Prepared: 24-Mar-94]
----------------------------------------------------------------------------------------------------------------
Income
Location and Inc wghts Own Rent Total WDC Index
----------------------------------------------------------------------------------------------------------------
Lower............................. 18000 37.10 62.90 ........... ........... ...........
Middle............................ 28400 46.91 53.09 ........... ........... ...........
Upper............................. 45200 62.86 37.14 ........... ........... ...........
Honolulu, HI (City and County)
(MIL):
Lower......................... 35.59 22653 21616 22001 18000 ...........
Middle........................ 33.52 38252 32977 35452 284000 ...........
Upper......................... 30.89 54150 49820 52542 452000 ...........
-----------------------------------------------------------------------------
100 ........... ........... 35944 29888 120.26
-----------------------------------------------------------------------------
Guam (MIL):
Lower......................... 49.39 22126 21694 21854 18000 ...........
Middle........................ 31.68 35101 34197 34621 28400 ...........
Upper......................... 18.93 53197 54838 53806 45200 ...........
-----------------------------------------------------------------------------
100.00 ........... 31947 26444 120.81
-----------------------------------------------------------------------------
Puerto Rico (MIL):
Lower......................... 42.32 16874 19129 18292 18000 ...........
Middle........................ 38.39 27159 30989 29192 28400 ...........
Upper......................... 19.29 43467 50393 46039 45200
-----------------------------------------------------------------------------
100.00 ........... ........... 27829 27239 102.17
----------------------------------------------------------------------------------------------------------------
[FR Doc. 94-12463 Filed 5-25-94; 8:45 am]
BILLING CODE 6325-01-M