Report on Summer 1994 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas
[Federal Register: November 29, 1995 (Volume 60, Number 229)]
[Notices ]
[Page 61331-61417]
From the Federal Register Online via GPO Access [wais.access.gpo.gov]
[DOCID:fr29no95-93]
[[Page 61331]]
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Part III
Office of Personnel Management
_______________________________________________________________________
Report on Summer 1994 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas; Notice
[[Page 61332]]
OFFICE OF PERSONNEL MANAGEMENT
Report on Summer 1994 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas
AGENCY: Office of Personnel Management.
ACTION: Notice.
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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, August 25, 1995,'' prepared by Jack Faucett Associates under
Government contract OPM-94-BP-3816.
DATES: Comments must be received on or before January 29, 1996.
ADDRESSES: Send or deliver comments to Allan G. Hearne, Salary Systems
Division, Office of Compensation Policy, Human Resources Systems
Service, Office of Personnel Management, Room 6H31, 1900 E Street NW.,
Washington, DC 20415, or FAX to (202) 606-4264.
FOR FURTHER INFORMATION CONTACT:
Allan G. Hearne, (202) 606-2838.
SUPPLEMENTARY INFORMATION: Sections 591.205(d) and 591.206(c) of title
5, Code of Federal Regulations, require that nonforeign area cost-of-
living allowance (COLA) survey summaries and calculations 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 in the Washington, DC, Area, August 25, 1995,'' produced
by Jack Faucett Associates under contract with OPM. This report
explains in detail the methodologies, calculations, and findings of the
summer 1994 living-cost surveys.
Survey Results. Jack Faucett Associates computed index values of
relative living costs in the allowance areas using an index scale where
the living costs in the Washington, DC, area equal 100. (See the
Executive Summary of the report.) OPM notes that the summer survey
indices showed that the COLA rates for all of the allowance areas are
above levels warranted by the indices. However, the Treasury, Postal
Service and General Government Appropriations Act, 1992 (Pub. L. 102-
141), as amended, prohibits reductions in COLA rates through December
31, 1996. Therefore, OPM is not proposing any adjustments in the COLA
rates in these allowance areas at this time.
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
August 1995.
Table of Contents
Executive Summary
1. Introduction
1.1 Report Objectives
1.2 Changes in This Year's Survey
1.2.1 Three-Year CES Moving Average
1.2.2 New Living Communities
1.2.3 Historical Housing Data
1.3 Pricing Period
2. The COLA Model
2.1 Measurement of Living-Cost Differences
2.2 Step 1: Identifying the Target Population
2.2.1 Federal Salaries
2.2.2 Federal Employment Weights
2.3 Step 2: Estimating How People Spend Their Money
2.3.1 Consumer Expenditure Survey (CES)
2.3.2 Expenditure Categories and Components
2.4 Step 3: Selecting Items and Outlets
2.4.1 Item Selections--The Marketbasket
2.4.2 Geographic Coverage and Outlet Selection
2.4.2.1 Geographic Areas
2.4.2.2 Similarity of Outlets
2.4.2.3 Catalog Pricing
2.5 Step 4: Surveying Prices
2.5.1 In-House Research Staff
2.5.2 Field Researchers ``Research Associates''
2.5.3 Data Collection Materials
2.5.4 Inclusion of Sales and Excise Taxes
2.5.5 JFA's Onsite Visits
2.5.6 Special Considerations in Selected Areas
2.5.6.1 Pricing Surveys in Hawaii County, Puerto Rico, and the
Virgin Islands
2.5.6.2 Surveying the Washington, D.C., Area
2.6 Step 5: Analyzing Data and Computing Indexes
2.6.1 General Formulae
2.6.1.1 Indexes
2.6.1.2 Item Weights
2.6.1.3 Category and Component Weights
2.6.2 Computing the Overall Index
3. Consumption Goods and Services
3.1 Categories and Category Weights
3.2 Goods and Services Data Collection--Special Considerations
3.2.1 Exchange and Commissary Expenditure Research
3.2.2 Restaurant Pricing
3.3 Goods and Services Survey Results
4. Housing
4.1 Component Overview
4.2 Housing Model
4.2.1 Expenditure Research
4.2.2 Housing Profiles
4.2.3 Living Community Selection
4.2.4 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 Home 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
4.4.2 Rental Data Analysis
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
5.2.10 Overall Annual Costs
5.3 Other Transportation Costs--Air Fares
5.4 Transportation Component Analyses
6. Miscellaneous Expenses
6.1 Component Overview
6.2 Component Weights
6.3 Component Categories
6.3.1 Medical Expense Category
6.3.2 Contributions Category
6.3.3 Personal Insurance and Retirement Category
6.4 Miscellaneous Expense Analyses
7. Final Results
7.1 Total Comparative Cost Indexes
List of Appendices
Appendix 1: Publication in the Federal Register of Results of
Nonforeign Area Living-Cost Surveys: 1990-1994
Appendix 2: Federal Employment Weights
Appendix 3: Consumer Expenditure Surveys (CES) Item Weights
Appendix 4: CES Category and Component Weights
Appendix 5: Item Descriptions
Appendix 6: Pricing Changes
Appendix 7: OMB-Approved Survey Materials
Appendix 8: Consumption Goods and Services Analysis
Appendix 9: OPM Living Community List
Appendix 10: Historical Home Market Values and Interest Rates
Appendix 11: Historical Housing Data
Appendix 12: Rental Data Analyses
Appendix 13: Housing Cost Analysis
Appendix 14: Housing Analysis
Appendix 15: Private Transportation Cost Analysis
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Appendix 16: Auto Insurance Calculation Worksheet
Appendix 17: Air Fares and Other Transportation Expenses Cost
Analysis
Appendix 18: Transportation Analysis
Appendix 19: Miscellaneous Expense Analysis
Appendix 20: Final Indexes
Executive Summary
This report provides the results of the summer 1994 living-cost
surveys and compares living costs in certain Pacific and Caribbean
nonforeign cost-of-living allowance (COLA) areas relative to the
Washington, DC, area.
The surveys and analyses were conducted by Jack Faucett Associates
(JFA), an economics consulting firm located in Bethesda, Maryland, and
its subcontractor, Runzheimer International, a Wisconsin-based firm
specializing in the collection and analysis of cost-of-living
information. The study was conducted for the Office of Personnel
Management (OPM) under contract OPM-94-BP-3816. The contract requires
JFA to:
(1) Survey living costs in seven allowance areas and in the
Washington, DC, area, and
(2) Compare living costs between the allowance areas and the DC
area.
For this study, JFA and Runzheimer researched more than 3,000
outlets and gathered more than 12,000 prices on more than 200 items
representing typical consumer purchases. These prices were then
combined using consumer expenditure information developed by the Bureau
of Labor Statistics. The final results of the study are a series of
living-cost indexes, shown in the table below, which show the living-
costs in each of the allowance areas relative to the Washington, D.C.,
area. The index for the DC area (not shown) is 100.00 because it is, by
definition, the reference area.
Table E-1.--Final Cost Comparison Indexes
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Allowance area Index
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City and County of Honolulu, Hawaii.......................... 119.56
Hawaii County, Hawaii........................................ 112.56
Kauai County, Hawaii......................................... 116.35
Maui County, Hawaii.......................................... 118.84
Guam/CNMI, Local Retail...................................... 119.39
Guam/CNMI, Commissary/Exchange............................... 113.40
Puerto Rico.................................................. 99.63
U.S. Virgin Islands.......................................... 112.08
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CNMI = Commonwealth of the Northern Mariana Islands
OPM implemented a number of improvements for the summer 1994
survey. These included:
--Using a moving average to introduce new weights based on the results
of the Bureau of Labor Statistics Consumer Expenditure Surveys;
--Using new representative income levels based on the 1994 distribution
of salaries of Federal employees in the allowance areas;
--Selecting new living communities based on the results of the 1992
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased
and previously purchased homes;
--Using the median home value in place of trimming and trend analyses
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures
for cash contributions.
These changes as well as the data collection and analysis
procedures already employed in the survey are discussed in the various
sections of this report.
1. Introduction
1.1 Report Objectives
This comprehensive report culminates data collection and research
work undertaken in summer 1994 as required by Tasks 1 and 2 of contract
OPM-94-BP-3816 between the Office of Personnel Management (OPM) and
Jack Faucett Associates (JFA). This report only provides the results of
the summer 1994 surveys. A listing of earlier reports that provided the
results of previous surveys is shown in Appendix 1.
The analyses show the comparative living-cost differences between
the Washington, DC, area and the following allowance areas:
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
By law, Washington, DC, is the base or ``reference'' area for the
nonforeign area cost-of-living allowance (COLA) program.
The contract also required JFA to analyze living-costs of Federal
civilian employees in Guam who have access to military commissaries and
exchanges. Under OPM regulations, employees who have unlimited access
to commissaries and exchanges because of their Federal civilian
employment are paid a COLA rate that takes into consideration such
purchasing privileges. These regulations do not apply to Federal
employees who have limited access to commissaries and exchanges or who
have access for other reasons, e.g., military dependents or retired
military personnel.
1.2 Changes in This Year's Survey
One of the obvious changes this year was OPM's selection of a new
contractor for living-cost surveys and analyses: JFA. JFA subcontracted
a substantial portion of the work to Runzheimer International, OPM's
previous contractor for the COLA program.
OPM directed JFA to make several changes to the survey and
analyses. Some of the key changes this year included:
--Using a moving average to introduce new weights based on the results
of the Bureau of Labor Statistics Consumer Expenditure Surveys (CES);
--Using new representative incomes based on the 1994 distribution of
salaries of Federal employees in the allowance areas;
--Selecting new living communities based on the results of the 1992
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased
and previously purchased units;
--Using the median home value in place of trimming and trend analyses
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures
for cash contributions.
Three of these changes are discussed further below. The other
changes are discussed where applicable in the report.
1.2.1 Three-Year CES Moving Average
One change was the introduction of a three-year moving average of
CES data in calculating the weights used to combine price indexes. In
prior years, expenditure weights were based on the 1988 CES, and OPM
wanted to use more current CES information.
Rather than simply replacing the 1988 CES data with the most recent
(1992) CES data, OPM implemented a system that would allow the gradual
introduction of new CES data over time, thereby reducing the impact
that short-term changes in CES might have on the living-cost indexes.
In future surveys, OPM plans to include current CES information and
drop the oldest CES data to maintain a three-year moving average.
Appendices 3 and 4 show the CES data used in this study.
1.2.2 New Living Communities
Another change was the selection of new living communities based on
the results of the 1992 Federal Employee Housing and Living Patterns
Survey. In
[[Page 61334]]
that survey, employees were asked to provide their residential zip
codes. OPM used this information to refine community selection.
Two types of changes were made. In areas with relatively large
concentrations of Federal employees and sufficient housing data, OPM
selected communities to reflect the areas where Federal employees
typically lived. On Oahu, for example, these changes generally resulted
in the selection of communities within or close to Honolulu proper. In
other areas where concentrations of Federal employees were not as
evident or where obtaining a sufficient quantity of housing data had
been difficult in previous surveys, OPM expanded the survey community
to cover a larger area. For example, the entire island was surveyed for
housing in Guam, Kauai, Maui, St. Croix, and St. Thomas.
The updated list of communities is provided in Appendix 9. These
are the communities in which house sales and rental rates were
collected. The communities were also used to determine the normal
shopping radius and the outlets at which prices were collected.
1.2.3 Historical Housing Data
A third change was the incorporation of historical housing data to
reflect not only the prices paid for recent home purchases but also for
homes purchased in prior years. Appendix 10 shows the home market
values, interest rates, and annual principal and interest payments for
each area by year and income level. Appendix 11 shows how the principal
and interest payments were combined using weights based on the percent
of Federal employees presumed to have purchased their homes in each
given year. The weights were derived from the results of the 1992
Federal Employee Housing and Living Patterns Survey.
1.3 Pricing Period
The prices were collected in the allowance areas and in the
Washington, D.C., area in August 1994. As with the previous surveys,
the prices of some items--those dependent upon the pricing of other
items--were collected slightly later (i.e., in September and October
1994) In addition, individual item prices not meeting OPM's quality
control procedures were resurveyed in October and used to verify or
replace the original prices.
As was done in previous surveys, JFA included some catalog sales in
its survey. Only catalogs that sell merchandise in both the allowance
areas and the Washington, D.C. area were used. To ensure consistent
seasonal catalog pricing, JFA used spring/summer catalogs for the
catalog items surveyed.
2. The COLA Model
2.1 Measurement of Living-Cost Differences
A common and 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). The COLA
model applies this methodology to compare the living costs in each of
the allowance areas with the living costs in the Washington, DC, area.
Moving from this basic concept to computing comparative living
costs between each allowance area and the Washington, DC, area involves
five main steps:
Step 1: Identify the segment of the population for which the
analysis is targeted (i.e., the target population).
Step 2: Estimate how these people spend their money.
Step 3: Select items to represent the types of expenditures people
usually make and outlets at which people typically make purchases.
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.
2.2 Step 1: Identifying the Target Population
The study estimates living-cost differences for nonmilitary Federal
employees who have annual base salaries between approximately $12,000
and $87,000, the range of the General Schedule. Because living costs
may vary depending on an employee's income level, living costs are
analyzed at three income levels.
2.2.1 Federal Salaries
To determine the appropriate income levels, OPM analyzed the 1994
distribution of salaries for all General Schedule employees in all of
the allowance areas combined. OPM divided this distribution into three
groups of equal size and identified the median salary in each of the
groups. These values were then rounded to the nearest $100 to produce
the three representative income levels of $20,800, $31,500, and
$48,300.
The study analyzes living costs at each of these three income
levels. The results are three sets of estimated expenditures for each
allowance area and for the Washington, D.C., area. To combine these
estimated expenditures into a single overall index for the area, JFA
used employment weights provided by OPM.
2.2.2 Federal Employment Weights
As with the income levels, the OPM employment weights were derived
from the distribution of General Schedule employees by salary level.
Using the salary parameters identified in the income analysis described
above, OPM determined the number of General Schedule employees in each
salary group in each allowance area. Using a moving average similar to
that used with the CES data (see section 1.2.1), OPM combined these
data with the same type of information for the previous two years and
calculated the percent of the General Schedule workforce in each income
group in each area. These percentages were the weights that JFA used.
In addition, OPM provided General Schedule employment weights to
combine data in the three allowance areas in which two separate
locations are surveyed. Those allowance areas are: Hawaii County,
Hawaii; Puerto Rico; and the U.S. Virgin Islands. These areas are
described in greater detail in section 2.5.6.1.
For these areas, OPM identified the number of General Schedule
employees associated with each survey location and then combined this
information with similar information from the previous two years again
using a moving average. The employment counts were converted to
percentages representing the proportion of the General Schedule
population represented by each of the survey locations. JFA used the
percentages as weights to combine the survey data from each survey
area.
Appendix 2 shows the General Schedule employment distributions and
how the percentage weights were derived.
2.3 Step 2: Estimating How People Spend Their Money
2.3.1 Consumer Expenditure Survey (CES)
Expenditure patterns for employees for all areas, including the
Washington, D.C., area, are based on national data from the CES. OPM
obtained from the Bureau of Labor Statistics ``prepublished'' CES
results for 1988, 1991, and 1992. As discussed in section 1.2.1, these
three years of CES data were combined using a moving average.
CES data are used in two ways: to identify appropriate items for
survey
[[Page 61335]]
and to derive item, category, and component weights. The item weights
are not income sensitive. However, aggregated CES data are analyzed by
income level to derive category and component weights. These weights
are income sensitive. The CES data used in this study are shown in
Appendix 3 and 4.
The Bureau of Labor Statistics has advised OPM that
``prepublished'' CES data may not be statistically significant. To
OPM's knowledge, however, it is the only source of comprehensive
consumer expenditure information by income level. Therefore, it is used
in the model.
2.3.2 Expenditure Categories and Components
The CES groups 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).
Using the CES data, the items were sorted into the four main cost
components specified in OPM regulations: Consumption Goods and
Services, Transportation, Housing, and Miscellaneous Expenses. To
develop weighting patterns for the three income levels, JFA performed
linear regression analyses on the CES data shown in Appendix 3.\1\
These analyses produced estimated expenditures at the three income
levels identified in section 2.2.1 above. JFA converted these
expenditures to percentages of total expenditures for the four
components to produce the values shown in the table below. The values
were the weights JFA used to combine the expenditures for each of the
components into an overall value for each income level in each
allowance area and the Washington, D.C., area.
Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses
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Income Goods and Trans-
Income level 1994 level 1991 services Housing portation Misc. Total
adjusted (percent) (percent) (percent) (percent) (percent)
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$20,800........................... $19,250 40.10 25.01 18.93 15.96 100.00
31,500............................ 29,150 39.47 23.98 18.66 17.88 100.00
48,300............................ 44,700 38.87 23.01 18.41 19.71 100.00
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(Values may not total because of rounding.)
Goods and services items were further sorted into ten categories
and linear regression techniques were used to estimate expenditures on
these ten categories by income level. The weights for these categories
are shown in section 3.1. The same technique was also used to compute
category weights for the Transportation and Miscellaneous Components
and to produce ratios of renters to homeowners at each income level.
2.4 Step 3: Selecting Items and Outlets
2.4.1 Item Selections--The Marketbasket
As noted above, CES items were grouped into ``clusters'' of
expenses to determine which items to survey. These clusters were chosen
so that no marketbasket item would have overwhelmingly large or
insignificantly small item weight.
For each of these clusters, a set of items to price was identified.
Collectively, these items are called a ``marketbasket.'' Because it
would have been impractical to survey all of the thousands of items
consumers might buy, the marketbasket contains representative items,
such as cheddar cheese, that represent itself and the many other
related items that consumers purchase (e.g., Edam, Gouda, Jack, Swiss,
et cetera). JFA's marketbasket had more than 200 items ranging from
table salt to new cars to home purchases.
The items selected were representative of other similar items,
commonly purchased, and readily available in all areas. For example, a
10.5-ounce can of Campbell's vegetable soup was selected for survey
because it is representative of canned and packaged soups, is a
commonly-purchased brand, and is found in all areas. Whenever
practical, the item description included the exact brand, model, type,
and size, so that exactly the same items could be priced in all areas
if possible. Appendix 5 provides a list of the items surveyed and their
descriptions.
Changes to the item list and descriptions are an important aspect
of the COLA survey. These changes are necessary to improve the survey
and keep the items and descriptions current. For this survey, JFA
changed several of the items or descriptions. The changes and the
reasons for each are listed in Appendix 6.
2.4.2 Geographic Coverage and Outlet Selection
Just as it was important to select commonly-purchased items and
survey the same items in all areas, it was important to select outlets
frequented by consumers and find equivalent outlets in all areas. This
involved deciding which geographic areas to survey and which outlets to
survey within these geographic areas.
2.4.2.1 Geographic Areas
For some areas, the choice of which area(s) to survey was obvious.
On St. Thomas, for example, the whole island is surveyed because St.
Thomas is a relatively small island and Federal employees live
throughout the island.
\1\The midpoint of the moving average of CES data was 1991.
Therefore, for the purposes of these regressions, OPM provided
adjusted Federal salaries to reflect 1991 pay rates. OPM used the
pay increases for 1992 (4.2%), 1993 (3.7%), and 1994 (0.0%) to
deflate the 1994 salaries. This produced adjusted Federal salaries
of $19,250, $29,150, and $44,700 for use in the regression
equations.
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For other areas, those with multiple communities from which to
choose, specific communities had to be identified. To do this, OPM used
the results of the 1992 Federal Employee Housing and Living Patterns
Survey. Among other things, that survey obtained information on where
Federal employees lived. OPM used this information to select the
communities in which housing costs would be priced. JFA then identified
outlets within a normal shopping radius of these housing communities.
2.4.2.2 Similarity of Outlets
Whenever possible, JFA selected popular outlets that were
comparable to outlets in all areas. For example, JFA surveyed the price
of grocery items at supermarkets in all areas because most people
purchase their groceries at such stores and because supermarkets are
[[Page 61336]]
found in all areas.\2\ The selection of comparable outlets was
particularly important because comparing the prices of items purchased
at dissimilar outlets would be inappropriate (e.g., comparing the price
of a box of cereal at a supermarket with one sold at a convenience
store).
\2\In the Washington, DC, area, JFA surveyed groceries at two
kinds of supermarkets (i.e., full-service supermarkets and
``warehouse-type'' supermarkets) because both types of grocery
stores are common in this area. JFA did not survey ``warehouse-
type'' grocery stores in any other area because they are relatively
uncommon and not frequented by most Federal employees.
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Although major supermarkets, department stores, and discount stores
represented a sizable portion of the survey, JFA also selected outlets
to represent the diversity of consumer shopping. For example, JFA could
have used department stores for pricing all clothing items surveyed.
This would not, however, have reflected the range of consumer choices.
Therefore, JFA also priced some clothing items in men's and women's
clothing stores, other clothing items in department stores, others in
shoe stores, and still others in discount stores. For each item, the
same type of outlet (e.g., clothing store, discount store, department
store) was selected in each area whenever possible.
2.4.2.3 Catalog Pricing
A limited amount of catalog pricing was included in the survey to
reflect this common purchasing option. Eight item prices were surveyed
by catalog. OPM selected these items based on comments it received from
Federal employees. Catalog pricing also allowed the comparison of
comparable items that would have been difficult to price otherwise. Of
course, all catalog prices included any charges for shipping and
handling and all applicable taxes.
2.5 Step 4: Surveying Prices
As noted earlier, JFA obtained approximately 12,000 prices on more
than 200 items from 3,000 outlets. In each survey area, JFA attempted
to get at least three price quotes for each item, with certain
exceptions. For example, essentially all of the available home sales
and rental data meeting the specifications were obtained. For other
items, such as utilities and real estate tax rates, only one quote was
obtained in each area because these items have uniform rates within an
area. Because the Washington, D.C., area has six survey communities,
JFA attempted to get at least 18 price quotes for most items in this
area.
To accomplish this, JFA used various information-gathering
approaches. These are described below.
2.5.1 In-House Research Staff
JFA's research personnel, and those of Runzheimer, its
subcontractor, 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 at common types of outlets;
--Contacted real estate professionals in each survey area to obtain
general information as well as specific rental rates and home market
values;
--Conducted pricing surveys onsite and by telephone;
--Served as a liaison for field researchers who collected price
information onsite;
--Performed hundreds of quality control checks, often verifying survey
data through telephone calls and comparing current data-gathering
results with those from earlier surveys; and
--Analyzed and computed the item, category, component, and total
comparative cost indexes.
2.5.2 Field Researchers--``Research Associates''
Most of the price data were collected onsite by Research Associates
(RA's). The RA's were independent contractors, hired by JFA to visit
retail outlets in each area and collect prices. All of these RA's were
residents of the area. To avoid any real or perceived conflicts of
interest, JFA refrained from hiring research associates who were either
employees of the Federal government or who had immediate family who
were employees of the Federal government.
2.5.3 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). The OMB-approved survey collection materials are
found in Appendix 7. All JFA-developed worksheets or other survey
materials conformed with those approved by OMB.
2.5.4 Inclusion of Sales and Excise Taxes
For all items subject to sales and/or excise tax, the appropriate
amount of tax was added prior to analysis. JFA gathered applicable
information on taxes by contacting appropriate sources of information
in the allowance areas and the Washington, DC, area. JFA also used
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.
2.5.5 JFA's Onsite Visits
Full-time JFA research professionals traveled to each allowance
area to supervise data collection activities and perform various
quality control checks as necessary. These visits all occurred during
the pricing period so that these professionals could answer any of the
RA's data collection questions or provide additional training and
instruction if necessary.
The researchers visited living communities within the allowance
areas to look at housing and to talk with local real estate
professionals. They also visited numerous retail outlets to verify that
comparable items were being priced at comparable outlets. In addition,
they obtained general information about the local economy.
2.5.6 Special Considerations in Selected Areas
2.5.6.1 Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin
Islands
Three allowance areas have multiple survey areas: Hawaii County,
Hawaii; Puerto Rico; and the U.S. Virgin Islands. In Hawaii County,
surveys were conducted in Hilo and in the Kailua Kona area. In Puerto
Rico, surveys were conducted in San Juan and in Mayaguez; and in the
Virgin Islands, surveys were conducted on St. Croix and St. Thomas.
The survey data for each of these separate survey areas had to be
combined to represent the allowance area overall. To do this, OPM
provided JFA with weights based on the distribution of General Schedule
employees in these areas. These weights are shown in Appendix 2 and are
computed using three years of data and the moving-average approach
described earlier.
2.5.6.2 Surveying the Washington, DC, Area
As noted earlier, JFA attempted to get more price quotes in the DC
area than in the allowance areas because of the size and diversity of
the Washington metropolitan area. For the purposes of the COLA surveys,
the DC area was divided into six survey areas: two in the District of
Columbia, two in Maryland, and two in Virginia. The specific areas
surveyed were within a normal shopping radius of the housing
communities identified in Appendix 9. Survey data from each of the six
DC
[[Page 61337]]
survey areas were combined using equal weights.
2.6 Step 5: Analyzing Data and Computing Indexes
2.6.1 General Formulae
2.6.1.1 Indexes
Nonforeign area COLAS are derived from the living-cost indexes.
These indexes are mathematical comparisons of living costs in the
allowance areas compared with living costs in the Washington, DC, area.
At the most fundamental level, an index is a way to state the
difference between two prices (or sets of prices). For example, if a
can of green beans costs $1.00 in the allowance area and 80 cents in
the DC area, green beans are 25 percent more expensive in the allowance
area than in DC. That difference can also be stated as a price index of
125.
2.6.1.2 Item Weights
JFA computed indexes for hundreds of items. To combine these
indexes, JFA used weights derived from the CES. These weights reflected
the relative amount consumers normally spend on different 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 green beans than on apples.
The COLA model uses a fixed-weight indexing methodology. This means
that the same expenditure weights are used in the reference area (i.e.,
the DC area) and in the allowance areas. The weights used are based on
the expenditure patterns of consumers nationwide as reported by the
CES. This is the only source, of which OPM is aware, that provides
expenditure information by income level.
2.6.1.3 Category and Component Weights
As described in section 2.3.2, JFA also computed income sensitive
category and component weights. This allowed the combination of item
prices in a manner that reflected the different spending patterns of
people at different income levels. How this was accomplished differed
among the components.
For the Goods and Services and Miscellaneous Expense components,
JFA simply combined indexes within each category using the CES weights
to derive an overall index for the category. The category indexes were
then combined into an overall component index using the income-
sensitive category weights described above.
For the Transportation and Housing Components, JFA used the above
approach in combination with a cost-build-up approach. For example, for
each area the annual cost of owning and operating an automobile was
computed by taking individual prices (e.g., automobile financing,
insurance, gas and oil, and maintenance) and computing an overall
dollar cost for each area. These costs were compared with those in the
DC area to compute the Private Transportation Category index. This
index was then combined with the Other Transportation Category index
using income sensitive category weights to compute an overall
Transportation Component index for each area.
2.6.2 Computing the Overall Index
The item, category, and component indexes were combined using the
process prescribed in Section 591.205(c), title 5, Code of Federal
Regulations. That is a five-step process that involves converting the
indexes to dollar values and weighting these, combining them, and
comparing them to compute a final weighted average index. The process
is described below.
First, JFA used the CES data and the income ranges described in
section 2.2.1 to determine the amount of money consumers typically
spend on each component at each income level. These amounts appear in
the table below and in Appendix 20. They were derived by taking the
component weights shown in Table 2-1 times the representative income
levels described in section 2.2.1.
Table 2-2.--Typical Consumer Expenditures by Income Level and Component
----------------------------------------------------------------------------------------------------------------
Goods and
Income level services Own/rent Transportation Misc. Total
----------------------------------------------------------------------------------------------------------------
Lower....................................... $8,341 $5,202 $3,938 $3,320 $20,800
Middle...................................... 12,433 7,555 5,879 5,634 31,500
Upper....................................... 18,775 11,114 8,892 9,520 48,300
----------------------------------------------------------------------------------------------------------------
(Note: Values may not total because of rounding.)
Second, for each allowance area, JFA multiplied the dollar 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), two sets of total relative costs were produced--one for
owners and another for renters.
Third, for each allowance area and income level, JFA combined the
total relative costs for owners and renters using as weights the
proportion of owners and renters as identified in the CES. (See section
4.2.1.) This produced an overall expenditure dollar amount for each
income level in each allowance area.
Fourth, JFA computed a single overall average expenditure for each
allowance area by combining the income level expenditures and using the
allowance area General Schedule employment distribution as weights.
This produced a single overall dollar expenditure value for the
allowance area. Using the same General Schedule employment weights, JFA
also computed a single overall dollar expenditure value for the DC
area.
The final step was to divide the overall average dollar expenditure
for the allowance area by the overall average dollar expenditure for
the DC area to compute a final index. These indexes are shown in the
last section of this report and in Appendix 20.
3. Consumption Goods and Services
3.1 Categories and Category Weights
Based on the CES data, JFA identified ten categories of expenses
within the Goods and Services Component. Using linear regression
analyses and the CES data, JFA identified the portion of total Goods
and Services expenditures that the typical consumer spends in each
category at various income levels. The categories and the relative
expenditures are shown in the table below:
[[Page 61338]]
Table 3-1.--Category Weights Expressed as a Percentage of Goods and
Services Expenditures by Income Level
------------------------------------------------------------------------
Income levels
Category ---------------------------------------
Lower Middle Upper
------------------------------------------------------------------------
Food at Home.................... 26.40 23.49 20.65
Food Away from Home............. 14.42 14.73 15.04
Tobacco......................... 3.15 2.59 2.05
Alcohol......................... 2.77 2.73 2.69
Furnishings and Hsld. Op........ 14.71 15.79 16.85
Clothing........................ 13.97 14.65 15.30
Domestic Service................ 1.76 1.90 2.04
Professional Services........... 6.48 6.65 6.82
Personal Care................... 3.62 3.52 3.43
Recreation...................... 12.72 13.94 15.14
---------------------------------------
Totals.................... 100.00 100.00 100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)
3.2 Goods and Services Data Collection--Special Considerations
3.2.1 Exchange and Commissary Expenditure Research
Executive Order 10000, as amended, requires OPM to adjust COLA
rates when employees have special purchasing privileges, such as
unlimited access to commissaries and exchanges. In Guam, employees have
such access, so OPM directed JFA to price the same marketbasket of
Goods and Services items at the commissaries and exchanges in Guam as
it used for the local retail pricing. One price quote was obtained for
each marketbasket item found in these facilities.
It was not assumed that people with access to military facilities
made all purchases in these facilities. Instead, the results of an OPM
survey of Federal employees was used to determine the percentage of
purchases that families typically make in military facilities versus
local outlets. For example, as the following table shows, it is
estimated that employees with commissary/exchange access in Guam,
purchase approximately 70% of their Food at Home items at a commissary
and purchase the remaining 30% of such items in local retail outlets.
Table 3-2.--Percentages of Purchases Made at the Commissaries and
Exchanges in Guam
------------------------------------------------------------------------
Category Percentage
------------------------------------------------------------------------
Food at Home................................................ 70.0
Food Away................................................... 0.0
Tobacco..................................................... 64.0
Alcohol..................................................... 76.0
Furnishings. and Hsld. Op................................... 64.5
Clothing.................................................... 43.7
Domestic Service............................................ 0.0
Professional Services....................................... 0.0
Personal Care............................................... 49.3
Recreation.................................................. 49.7
------------------------------------------------------------------------
These percentages were used to aggregate the local retail and
commissary/exchange prices into one set of appropriate, blended prices,
hereinafter referred to as the Commissary/PX prices. The blended prices
were compared to the local retail prices in the Washington, DC, area to
compute Commissary/PX Goods and Services Category indexes, which were
then combined using CES weights to derive an overall Commissary/PX
Goods and Services Component index. Just as with the Guam Local Retail
Goods and Services Component index, the Guam Commissary/PX Goods and
Services Component index was combined with the indexes for the Housing,
Transportation and Miscellaneous Expense Components to derive a single,
overall Commissary/PX index for the Guam allowance area.
3.2.2 Restaurant Pricing
To ensure comparison of prices at comparable restaurants among
areas, OPM asked JFA to classify the restaurants it surveyed into two
groups: family dining and fine dining. JFA used such characteristics as
menu selections, atmosphere, table setting, seating, reservations, and
American Automobile Association rating to make these distinctions. In
addition, OPM also directed JFA to survey 100% of selected family
restaurants for breakfast, approximately 75% for lunch, and about 67%
for dinner. This allowed comparison of meal prices at a comparable mix
of restaurants in all areas.
3.3 Goods and Services Survey Results
Section 2.6 of this report provides a detailed explanation of the
economic model used to analyze the price data. As it applies to Goods
and Services, the approach involved comparing the average prices of
marketbasket items in each allowance area with those in the Washington,
DC, area. The resulting price ratios were aggregated into subcategory
and then category indexes using the moving-average expenditure weights
derived from the CES data.
Appendix 8 shows for each allowance area ten category indexes, the
weights used at each of the three income levels, and the overall Goods
and Services indexes. The Washington, DC, area is not shown because it
is, by definition, the reference area. Therefore, the DC indexes are
100.
4. Housing
4.1 Component Overview
The Housing component consists of expenses related to owning or
renting a dwelling. These are--
--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, JFA measured separately the
annual housing costs for homeowners and renters. The results were then
combined using as weights the percentages of owners and renters
reported by the CES.
[[Page 61339]]
4.2 Housing Model
4.2.1 Expenditure Research
The CES was used to determine the national average ratio of
families who own, as opposed to rent, their residences. Using the
expense data by income range as input into a linear regression
analysis, JFA calculated the owner and rent weights shown below. JFA
excluded expenditure data for home owning families without a mortgage
because they were not typical of homeowners in the base area or in the
allowance areas.
Table 4-1.--Owner/Renter Weights
------------------------------------------------------------------------
Income levels
--------------------------------------
Category Lower Middle Upper
(percent) (percent) (percent)
------------------------------------------------------------------------
Homeowner with mortgage.......... 38.41 47.46 61.67
Renter........................... 61.59 52.54 38.33
--------------------------------------
Totals..................... 100.00 100.00 100.00
------------------------------------------------------------------------
The CES data were also used to identify which home-maintenance
items to price and to establish the relative importance of those items.
4.2.2 Housing Profiles
To compare housing costs in all locations, six typical housing
profiles are used and are assigned to the three income levels, as shown
in the table below. OPM requested that at least one criterion for the
owner profile be the square footage of the home and at least one
criterion for the renter profile be the number of bedrooms in the
rental unit.
Table 4-2.--Housing Profiles
----------------------------------------------------------------------------------------------------------------
Income level Renter profile Owner profile
----------------------------------------------------------------------------------------------------------------
Lower................................. 3 rooms, 1 BR, 1 bath, 600 sq. 4 rooms, 2 BR, 1 bath, 900 sq. ft. condo
ft. apartment. or detached house.
Middle................................ 4 rooms, 2 BR, 1 bath, 900 sq. 5 rooms, 3 BR, 1 bath, 1,300 sq. ft.
ft. apartment. detached house (rowhouse in NE DC).
Upper................................. 4 rooms, 2 BR, 2 baths, 1,100 7 rooms, 3 BR, 2 baths, 1,700 sq. ft.
sq. ft. townhouse or detached detached house.
house.
----------------------------------------------------------------------------------------------------------------
The home sizes stated above are the representative sizes used for
certain calculations in the model. They are not, however, the only size
surveyed for each profile. For rentals, JFA obtained rental rates on
any unit, regardless of its size, that otherwise meet the profile
characteristics. For home sales, JFA obtained the prices of homes
within size range and otherwise meeting the profile specifications. The
size ranges are shown below:
Table 4-3.--Home Sizes Surveyed
------------------------------------------------------------------------
Income level Range
------------------------------------------------------------------------
Lower............................ 600 to 1,200 sq. ft.
Middle........................... 1,000 to 1,600 sq. ft.
Upper............................ 1,400 to 2,300 sq. ft.
------------------------------------------------------------------------
It should be noted that although the size ranges overlap, no home
sale observation could be used at more than one income level.
Application of the other criteria (i.e., number and types of rooms)
ensured that each observation was assigned to the appropriate income
level even though its size was common to two income levels.
4.2.3 Living Community Selection
As discussed briefly in sections 1.2.2 and 2.4.2.1, OPM identified
the living communities to be surveyed based on the results of the 1992
Federal Employee Housing and Living Patterns Survey. This resulted in
many survey community changes in both the allowance areas and in the
Washington, DC, area. The communities surveyed are identified in
Appendix 9.
As with previous surveys, nine homeowner and nine renter
communities were identified for the Washington, DC, area--one for each
income level in each of the three areas (DC, Maryland, and Virginia).
In the allowance areas, up to three homeowner and three renter
communities were identified--one for each income level.
The three-community owner/renter goal was not achievable in many of
the smaller allowance areas due to the relatively few home sales and
rental opportunities in these areas. In such areas, OPM directed JFA to
collect prices for the entire survey area or allowance area rather than
in specific communities. This was done in Hilo, Kailua Kona, Kauai,
Maui, Guam, Mayaguez, St. Croix, and St. Thomas. In these areas, all
home sales and/or rental rates meeting the housing profile
characteristics for the particular income group were included in the
analysis.
4.2.4 Housing-Related Expenses
Based on the CES data, housing-related expense items are
categorized into one of five groups in the COLA model. These groups
are--
--utilities,
--real estate taxes,
--owners/renters insurance,
--maintenance, and
--telephone.
4.2.4.1 Utilities
Electricity, oil, gas, water, and sewer are the utilities used in
the model. Most utility companies are able to provide current charges
per unit of consumption and average consumption patterns for all
households. The companies were not, however, able to provide separate
consumption patterns by the size or type of housing.
Because many utility costs vary by size of house, a factor is
needed to derive the utility rates at each of the home profiles. The
table below shows the standard square foot sizes and utility factors
used for each home profile. The factors are calculated by assuming that
utility use increases or decreases at half
[[Page 61340]]
the rate that square footage increases or decreases.
Table 4-4.--Utility Factors
------------------------------------------------------------------------
Renter profile Owner profile
Income level -----------------------------------
Sq. ft. Factor Sq. ft. Factor
------------------------------------------------------------------------
Lower............................... 600 .73 900 .85
Middle.............................. 900 .85 1,300 1.00
Upper............................... 1,100 .92 1,700 1.15
------------------------------------------------------------------------
In each area, JFA obtained the price of each of the types of
utilities noted above. JFA used average annual consumption per
household information gathered from utility companies serving each area
to compute average annual utility costs. The above factors were then
used to adjust the total annual utility costs for each of the various
housing profiles.
4.2.4.2 Real Estate Taxes
For this study, JFA contacted the city assessors in each allowance
area and in the Washington, DC, area to obtain real estate tax
information on the living communities surveyed. Real estate tax
formulas were obtained for most living communities. Actual or
representative tax amounts were obtained in other communities (e.g.,
Puerto Rico) where formulas were not available or directly applicable.
4.2.4.3 Owners/Renters Insurance
Homeowners' insurance rates are gathered for each of the survey
areas for both renter and owner profiles. For renters, the following
estimated content values were used: $20,000 at the lower and middle
income levels and $30,000 at the upper income level.
For homeowners, the cost of insurance was dependent on the average
home values calculated as part of this survey. In most areas, it was
assumed that the structure was equal to 80 percent of the total home
value. In Hawaii, where land prices tend to be higher, it was assumed
that the structure was equal to 50 percent of the total home value.
Previous research, conducted by Runzheimer International for OPM,
found that insurance coverage for disasters, such as floods and
earthquakes, were not widely purchased in the allowance areas.
Therefore, the COLA model does not include these additional riders.
(See Report to OPM on Living Costs in Selected NonForeign Areas and in
the Washington, DC Area, June 1992 at 57 FR 58556). Hurricane and
typhoon coverage, however, is common in Hawaii, Guam, and the U.S.
Virgin Islands, and was included either in the insurance quote obtained
or priced as a separate rider and added to the total insurance costs
for these areas.
4.2.4.4 Home Maintenance
Estimated home maintenance expense was computed for each of the
homeowner profiles. Maintenance costs were not added in the three
renter profiles because most, if not all, maintenance expenses are
covered by the landlord.
As was done in previous surveys, JFA priced both home maintenance
services as well as home maintenance commodities, using the CES
information to identify items to price and the weights associated with
these items. The maintenance service items priced were interior
painting, plumbing repair, electrical repair, and pest control. The
maintenance commodities priced were bathroom caulking, kitchen faucet
set, an electrical outlet, latex interior paint, and a fire
extinguisher.
To compute home maintenance cost differences between each allowance
area and the Washington, DC, area for the homeowner profiles, an index
was computed for each maintenance item by comparing the allowance area
price to the DC area price. As with the Goods and Services Component
items, the CES data were used to weight these maintenance indexes into
an overall home maintenance index for each area.
To combine the maintenance indexes with the other homeowner costs,
which were expressed in dollar amounts, JFA converted the indexes to
dollars by multiplying the index for each area by the average
maintenance expense reported in the CES. This cost was assigned to the
middle-income homeowner profile.
Logically, maintenance costs for larger homes would generally be
greater than costs for middle-sized homes, while costs for smaller
homes would generally be less. Therefore, the same homeowner
multipliers used in the utilities model for the lower and upper income
profiles (.85 and 1.15 respectively) are applied to recognize
differences in maintenance costs due to house size.
4.2.4.5 Telephone
Telephone expense consisted of local service charges, additional
charges for local calls (if applicable), and charges for long distance
calls. To measure estimated expenses for local service and local calls,
JFA surveyed the cost of touch-tone service with unlimited calling in
each area.
To estimate long distance charges in all areas, JFA 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). JFA
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, JFA collected housing information
mainly from real estate professionals, various listings services, and
advertisements. In addition, JFA personnel traveled to each of the
surveyed communities to assess the compatibility of the housing
community with the income level for which the data were used and to
ensure that homes in these communities were comparable to those in the
Washington, DC, area.
4.3.1 Homeowner Data Collection
JFA obtained selling prices of homes that matched the housing
profiles in each living community. JFA obtained as many of these
selling prices as possible for sales that occurred during the 6-month
period prior to the date of the survey.
The amount of data obtained depended on the number of home sales in
the community and the availability of square footage and other housing
profile information. This in turn depended on the size of the
community, economic conditions, quality and quantity of the realty data
available, and the willingness and ability of local realty
professionals and assessor offices to provide data.
If sales data obtained from the preliminary data sources did not
meet specified contract minimums, JFA contacted additional data sources
in the area to attempt to secure more sales data, if practical. In this
manner, either all or a sizeable portion of the home sales in each area
were surveyed.
4.3.2 Renter Data Collection
Rental data also were obtained from a variety of sources, e.g.,
brokers, rental management firms, property managers, newspaper
advertisements, and other listings. Analyses of these data revealed
what appeared to be two separate rental markets: a broker market and a
non-broker market. Rental rates and estimates provided by brokers
generally exceeded those obtained from other sources. The methodology
used to analyze these two data sets is discussed in section 4.4.2.
[[Page 61341]]
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. In the past, OPM directed
the contractor to rank housing data high to low and trim equal numbers
of observations from both ends of the data. The average of the
remaining values was then used. This year, OPM changed the methodology
and used the median home value rather than trimming and averaging. The
median is the middle value in a rank-ordered set of observations. The
purpose of either approach is to reduce the volatility of the housing
data from one survey to the next because a relatively few extremely
high or low home prices could significantly influence average housing
costs.
For each income profile in each allowance area and the Washington,
DC, area, JFA computed the median price per square foot for the
comparables. This value was then multiplied by the reference square
footage for the profile to determine the average home value for the
profile.
Another change that OPM made this year was to ask JFA to use
historical housing data in addition to data collected this year. These
data are found in Appendix 10 of this report. The historical data are
from previous living-cost surveys that were published in the Federal
Register beginning with the 1990 report. (See Appendix 1 for a listing
of these publications). The data for the period prior to 1990 were
published with the results of the 1991-1992 living cost surveys at 57
FR 58618. All housing values are based on the community selections and
analytical methodologies used at the time of each respective survey.
The historical housing data used were the estimated annual
principal plus interest payments by income level in each area. To
combine these data, OPM supplied JFA with weights that were derived
from the 1992 Federal Employee Housing and Living Patterns Survey.
These weights reflect the proportion of Federal employee homeowners by
year of purchase or acquisition in all allowance areas and in the
Washington, DC, area. The historical housing weights and analyses are
shown in Appendix 11.
4.4.2 Rental Data Analysis
JFA assigned each rental quote data point to a single income level,
based on the following criteria:
--One bedroom apartments: Lower Income Level,
--Two bedroom apartments: Middle Income Level, and
--Townhouses and detached houses with a minimum of two bedrooms: Upper
Income Level.
As discussed earlier, there were essentially two sources of rental
information: broker and non-broker sources. In each area, the quantity
of data obtained from either source-type varied significantly.
Therefore, analyzing all of the rental data (both broker and non-
broker) together for an area and income level was undesirable.
Instead, OPM instructed JFA to analyze broker and non-broker data
separately by income level. As with the housing data analyses, OPM
changed from the use of trimming and averaging to the use of the
median. Therefore, for each income level, JFA ranked the rental rates
from low to high separately for broker and non-broker data. The median
values for broker and non-broker data for each group were determined
and then averaged to compute a single rental value for each income
level. Because OPM has no information on how the Federal employees who
rent generally secure their lodgings, OPM requested that JFA apply
equal weights to the broker and nonbroker data to compute an overall
average rental rate for the area and income level. The broker and non-
broker medians and final results are shown in Appendix 12.
4.5 Housing Survey Results
In the above sections, the processes used for determining the costs
for maintenance, insurance, utilities, real estate taxes, rents, and
homeowner mortgages were described. Appendix 13 shows the cost of each
of these items for renters and homeowners in each allowance area and in
the Washington, DC, area.
Appendix 14 compares the total cost of these items by income level
in each allowance area with the total cost of the same items by income
level in the Washington, DC, 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 20 to derive the total, overall index for owners
and renters. (Refer to Section 2.6 for a discussion of the general
formulae and how the component indexes are combined.)
5. Transportation
5.1 Component Overview
The transportation component consists of two categories: Automobile
Expense and Other Transportation Costs. The Automobile Expense Category
reflects costs relating to owning and operating a car in each area. The
Other Transportation Costs Category is represented by the cost of air
travel from each location to a common point within the contiguous 48
states.
5.2 Private Transportation Methodology
As was done in previous surveys, JFA analyzed automobile
transportation costs for three commonly purchased vehicles: a domestic
auto, an import auto, and a utility vehicle. New car costs were used
for these analyses because it was believed that pricing used vehicles
of equivalent quality in each area could introduce inconsistencies
because of the value judgements that would be required.
5.2.1 Vehicle Selection and Pricing
The three vehicles selected for analysis were:
Domestic--Ford Taurus GL 4-door sedan 3.0L 6 cyl,
Import--Honda Civic DX 4-door sedan 1.5L 4 cyl, and
Utility--Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl.
These are the same models that were surveyed in previous years and
were selected based on their popularity in the United States as
demonstrated by owner registration data.
For each model car, JFA collected new vehicle prices at dealerships
in each area and from secondary sources, such as the Kelly Blue Book.
All prices were based on the manufacturers' suggested retail prices
(MSRP) for 1994. (OPM did not believe it was feasible to collect
information on the negotiated price for these vehicles.) All vehicles
were equipped with standard options, such as automatic transmission,
AM/FM stereo radio and air conditioning.
In addition to the MSRP, the price included additional charges such
as shipping, dealer preparation, additional dealer markup, excise tax,
sales tax, and any other one-time taxes or charges. In Hawaii, for
example, documentation fees were also included as part of the new-
vehicle costs.
Rustproofing was priced in all areas, including the Washington, DC,
area. In previous surveys, the contractor found that auto dealers in
the DC area did not recommend vehicle rustproofing, although it was a
commonly suggested option in the allowance areas. This year, the
information collected suggested that rustproofing was a commonly
offered option in all areas. Therefore, OPM directed JFA to include the
cost of rustproofing in the DC area as well as the allowance areas.
[[Page 61342]]
5.2.2 Vehicle Trade Cycle
Calculating the cost of owning and operating a vehicle requires
knowing the miles driven and how long the car is owned. 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 (in months or years) and the total number of miles driven in that
time period. This information is used in the model to compute annual
costs related to fuel, oil, tires, maintenance, and depreciation.
As with the previous living-cost analyses, JFA used a four-year,
60,000-mile trade cycle in all areas. This was based upon the following
information:
--The Internal Revenue Service uses this trade cycle 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; and
--U.S. Department of Energy statistics for 1988 show that the annual
average for number of vehicle miles driven in the United States was
18,595 per household and 10,246 miles per vehicle.
5.2.3 Fuel Performance and Type
All vehicles included in this study used regular unleaded fuel. JFA
surveyed self-service cash prices of unleaded regular gasoline at name-
brand gas stations in each area.
To establish average fuel-performance ratings, the COLA model uses
the ``city driving'' figures published by the U.S. Environmental
Protection Agency (EPA). The ``city'' instead of ``highway'' figures
are used because all locations contained considerable stop-and-go
driving conditions.
As in previous COLA surveys, JFA included in its analysis the
following fuel-performance factors: temperature, road surface, and
gradient. These factors are based on research previously conducted for
OPM. This research and the factors are discussed below.
5.2.3.1 Impact of Temperature Upon Fuel Performance
Gas mileage is affected by temperature. The lower the temperature,
the fewer miles-per-gallon achieved and vice versa. According to the
EPA's Passenger Car Fuel Economy: EPA and Road, 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. The model uses the average monthly
temperatures for each allowance area and the Washington, DC, area as
reported in The Weather Almanac, published by Ruffner and Blair.
For each location and month, the model uses the appropriate factor
from the EPA study based on the average monthly temperature for the
area. These factors are then averaged to derive a single overall factor
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 the model, it is assumed that Federally controlled roadways are
typically composed of concrete and/or highload 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 vary among areas, previous
research conducted for OPM produced no relevant findings regarding this
issue. Therefore, the model uses the assumption 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, the total mileage falling into either the
Federal or local categories was collected. For example, Hawaii contains
1,456 miles of Federally controlled roads and 2,606 miles of locally
controlled roads. The usage assumption increased Federal road mileage
by a factor of two.
The average low-load asphalt factor (which reflects dry, wet, and
snowy conditions) is applied to the local mileage percentage, and the
average concrete and/or high-load asphalt factor is applied to the
Federal mileage percentage to produce a weighted average factor for
each area. The weighted factor is 0.98 for the allowance areas. The
Washington, DC, area is assigned a factor of 1.00 on the premise that
the vast majority of traffic in that area travels on dry, high-load
surfaces. The application of these factors is described in section
5.2.3.4.
5.2.3.3 Impact of Gradient Upon Fuel Performance
The effect of gradient on gas mileage is also estimated from EPA's
Passenger Car Fuel Economy: EPA and Road. Local topography (i.e.,
gradient) affects fuel efficiency. EPA provides mileage factors based
upon various gradients ranging from less than 0.5% (essentially flat)
to greater than 6% (steep).
In research previously conducted for OPM, the contractor reviewed
the topographic features of each area and found a wide range of road
conditions. However, the contractor was unable to find relevant
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, the contractor assumed that drivers in the
allowance areas generally traveled roads having approximately the same
gradients that are found on average in the United States.
Applying the information from EPA's research, a fuel-performance
factor of 0.981 was computed for this type of driving. This factor was
assigned to each allowance area. For the Washington, DC, area, a factor
of 1.00 was used on the premise that the vast majority of traffic in
that area travels on major freeways and highways that are relatively
flat. The application of these factors is described in the next
section.
5.2.3.4 Overall Impact Upon Fuel Performance
JFA applied the factors described above to make adjustments to the
average gas mileage ratings for each type of automobile surveyed for
each allowance area and for the Washington, DC, area. The adjustment
factors compound--that is, the total adjustment is the result of
multiplying the three individual factors together for each 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 DC area
(0.94) indicates that average gasoline mileage in that area is also
below the EPA estimate.
[[Page 61343]]
Table 5-1.--Summary of Fuel-Performance Adjustments
----------------------------------------------------------------------------------------------------------------
Road
Location Temperature surface Gradient Total
----------------------------------------------------------------------------------------------------------------
Hawaii...................................................... 0.99 0.98 0.98 0.95
Guam........................................................ 0.99 0.98 0.98 0.95
Puerto Rico................................................. 1.01 0.98 0.98 0.97
Virgin Islands.............................................. 1.01 0.98 0.98 0.97
Washington, DC.............................................. 0.94 1.00 1.00 0.94
----------------------------------------------------------------------------------------------------------------
5.2.4 Vehicle Maintenance
As was done in the previous surveys, JFA surveyed the cost of five
common maintenance services and repairs performed on the vehicles
surveyed. The services and repairs were--
--Tuneup,
--Oil change,
--Automatic transmission fluid change,
--Flush/fill coolant, and
--Muffler/exhaust pipe replacement.
Where appropriate, the 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, it was
assumed that driving conditions in the allowance areas are generally
severe, and the maintenance schedules used reflected that kind of
driving. For the DC area, it was assumed that driving conditions were
normal, and the maintenance schedules used for that area 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. As with previous
surveys, JFA collected specific parts costs and hourly labor costs in
each location and used Chilton's Labor Guide and Parts Manual to
determine service times and parts required for each maintenance
procedure.
5.2.5 Tires
Research previously conducted for OPM revealed that various factors
(e.g., road quality/state of repair, road composition) appeared to
reduce tread life (i.e., the average number of miles a tire is expected
to last) in the allowance areas compared with the Washington, DC, area.
Based on this research, the model uses tire expense based on a 40,000-
mile tread life in allowance areas and a 55,000-mile tread life in the
DC area.
JFA priced the cost of a new set of tires, including mounting and
balancing and all applicable taxes, in each area. This cost was
converted into an annual cost by dividing the estimated number of
annual miles driven by the expected tread life and multiplying this by
the new tire price.
5.2.6 License and Registration Fees, and Miscellaneous Tax
JFA obtained information regarding license registration fees and
personal property tax (where applicable). License and registration fees
were included as part of the annual cost of owning an automobile.
Personal property tax was computed for each year of the vehicle's four-
year trade cycle using the vehicle's estimated used-car value for each
year. The resulting four personal property tax values were then
averaged, and that average was included as part of the annual cost of
owning an automobile.
As stated in section 5.2.1, sales and excise taxes were included in
the purchase price of the vehicle and were accounted for under the
annual vehicle purchase and finance costs.
5.2.7 Depreciation
The single largest annual expense related to owning and operating a
new car is depreciation--the lost value of the vehicle as it ages and
is driven. Total depreciation is calculated by subtracting from the
purchase price the estimated residual value (used car value) four years
later. This value is then divided by 4 to produce an annual
depreciation amount.
As described earlier, the new car price is the manufacturer's
suggested retail price plus any additional charges, such as shipping,
dealer prep, additional dealer markup, excise tax, and sales tax. As
was done in previous surveys, the used car value was based on
information from the Black Book Official Finance/Lease Guide for 1994.
Although this source only tracks prices of vehicles sold in the
contiguous 48 states, research performed by the previous OPM contractor
produced no conclusive evidence that used cars in allowance areas were
(on average) worth more or less than used cars in the DC area.
Therefore, consistent with previous surveys, the used car prices for
each make and model were held constant among the areas.
It should be noted that identical residual values did not result in
identical depreciation amounts. Depreciation amounts were higher in the
allowance areas than in the Washington, DC, area because new car prices
are higher in the allowance areas.
5.2.8 Finance Expense
For the model, it is assumed that new car purchases are financed.
Therefore, JFA surveyed banks in all areas to obtain their auto-loan
interest rates for a 48-month loan with 80 percent financing. The
finance cost for each vehicle in each area was computed and included in
the annual cost of owning and operating an automobile.
5.2.9 Vehicle Insurance
JFA surveyed the cost of car insurance in each location. Consistent
with the previous year's survey, JFA used the following common
coverages, limits, and deductibles:
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.
In each survey area, JFA identified the common automobile insurance
companies and attempted to obtain three insurance price quotes for each
type of car surveyed. These quotes were averaged by type of car to
produce estimated insurance costs for each area.
JFA found that some insurance companies in Hawaii and Kauai
Counties, Hawaii; Guam; Puerto Rico; and the Virgin Islands did not
offer the coverages, limits, and deductibles shown above. To allow the
comparison of the cost of these different policies with DC costs, OPM
directed JFA also to survey in the DC area the cost of insurance that
was comparable to that offered in these allowance areas. The cost of
these equivalent policies were then compared to derive adjustment
factors that could be applied to the cost of the standard coverages,
limits, and deductibles shown above. By applying
[[Page 61344]]
these factors to the DC area average price, the cost of equivalent
coverage was estimated for these particular allowance areas. The
factors and their derivation are shown in Appendix 16.
5.2.10 Overall Annual Costs
As described above, JFA measured the annual 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, DC, area. These costs were then summed to determine
the overall annual costs by area for owning and operating each type of
automobile. Appendix 15 shows these costs for each area by type of
vehicle.
5.3 Other Transportation Costs--Air Fares
Air fares are the only item priced for the Other Transportation
Costs Category. For this item, JFA priced the lowest available round-
trip air fare from each allowance area and the Washington, DC, 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, DC, area. The cost of the trip from each allowance
area to Los Angeles was compared with the cost of the trip from the DC
area to Los Angeles to compute the category indexes. These fares are
shown in Appendix 17.
5.4 Transportation Component Analyses
JFA compared the total cost of private auto transportation for each
vehicle in each allowance area with the total cost for the same vehicle
in the DC area. These comparisons are expressed as indexes and are
shown in Appendix 18. The indexes were then averaged to produce a
single Automobile Expense Category index for each allowance area.
Likewise, JFA compared the cost of air fares for each area with
those for the DC area and computed a cost index. These indexes are also
shown in Appendix 18. That appendix also shows how the auto and air
transportation indexes are combined using expenditure weights derived
from the CES data to produce final transportation indexes.
JFA used national average expenditure data to derive weights that
reflected how much consumers typically spend to own and operate an
automobile versus other transportation expenses. These weights were
used to combine the Automobile Expense Category index with the Other
Transportation Cost index by area to derive the overall Transportation
Component index for the area. The weights, computations, and final
indexes are also shown in Appendix 18. The Transportation Component
indexes are used in Appendix 20 to derive the total overall index.
6. Miscellaneous Expenses
6.1 Component Overview
The Miscellaneous Expense component consists of three categories of
expenses:
--Medical care,
--Contributions (including gifts to non-family members),
--Personal insurance and retirement contributions/ investments.
JFA used an approach similar to that used for the Goods and
Services Component to derive the indexes for each of these categories
and the Miscellaneous Component overall.
6.2 Component Weights
JFA used CES data to determine the appropriate weights for each of
the items and categories in the Miscellaneous Component. The following
table shows the category weights. Item weights are shown in Appendix
19.
Table 6-1.--Miscellaneous Expense Categories and Weights
------------------------------------------------------------------------
Income level
--------------------------------------
Categories Lower Middle Upper
(percent) (percent) (percent)
------------------------------------------------------------------------
Medical Care..................... 41.50 31.33 23.51
Contributions.................... 15.80 16.85 17.65
Personal Insurance and Retirement
Contributions................... 42.70 51.82 58.83
--------------------------------------
Totals....................... 100.00 100.00 100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)
6.3 Component Categories
6.3.1 Medical Expense Category
JFA surveyed the price of medical care items using essentially the
same approach it used for the Goods and Services Component items. The
following medical-care items were priced in each allowance area and in
the Washington, DC, area. (See Appendix 5 for item descriptions).
--Nonprescription pain reliever
--Prescription drugs
--Vision check
--Dental service
--Doctor visit
--Hospital room
--Health insurance
JFA surveyed the cost of these items in both the allowance areas
and in the Washington, DC, area and compared the prices to produce an
index for each item in each area. JFA combined these indexes using CES
weights to produce a single Medical Care Category index for each area.
It should be noted that for the model, it is assumed that the cost
of health insurance is constant among areas because the choice of
Federal health coverage is to a large extent a matter of personal
preference. Therefore, the index for this item is 100.00.
6.3.2 Contributions Category
The index for the Contributions Category is the Goods and Services
Component index for the area. The Goods and Services index is used
based on the assumption that the relative level of contributions is
roughly equivalent to that reflected by the Goods and Services index.
6.3.3 Personal Insurance and Retirement Category
The index for personal insurance and retirement contributions and
investments is assumed to be constant among areas. The cost of Federal
Employees Group Life Insurance is a matter of personal preference and
is constant in all areas for the same age, salary, and benefit option
combinations. Likewise, retirement contributions are a matter of
personal preference and the minimum contribution requirements are
constant among areas for equivalent salary levels.
[[Page 61345]]
6.4 Miscellaneous Expense Analyses
As with the Goods and Services Component, the indexes for each of
the Miscellaneous Component categories are combined using CES weights
to produce a single component index for each area. These indexes are
shown in Appendix 19.
Section 2.5 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 20 shows
how each index was derived from the component indexes.
Table 7-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
Allowance area Index
------------------------------------------------------------------------
City and County of Honolulu, Hawaii.......................... 119.56
Hawaii County, Hawaii........................................ 112.56
Kauai County, Hawaii......................................... 116.35
Maui County, Hawaii.......................................... 118.84
Guam/CNMI, Local Retail...................................... 119.39
Guam/CNMI, Commissary/Exchange............................... 113.40
Puerto Rico.................................................. 99.63
U.S. Virgin Islands.......................................... 112.08
------------------------------------------------------------------------
CNMI=Commonwealth of the Northern Mariana Islands.
Appendix 1.--Publication in the Federal Register of Results of
Nonforeign Area Living-Cost Surveys: 1990-1994
------------------------------------------------------------------------
Citation Title Contents
------------------------------------------------------------------------
56 FR 7902............. Office of Personnel Results of summer 1990
Management: Cost-of- living-cost surveys
Living Allowances and conducted in Alaska,
Post Differentials Hawaii, Guam, Puerto
(Nonforeign areas). Rico, and the U.S.
Virgin Islands.
57 FR 58556............ Office of Personnel Results of summer 1991
Management: Report on and winter 1992
1991/1992 Surveys Used living-cost surveys
to Determine Cost-of- conducted in Alaska,
Living Allowances in Hawaii, Guam, Puerto
Nonforeign Areas. Rico, and the U.S.
Virgin Islands.
58 FR 45558............ Office of Personnel Results of summer 1992
Management: Report on and winter 1993
1992/1993 Surveys Used living-cost surveys
to Determine Cost-of- conducted in Alaska,
Living Allowances in Hawaii, Guam, Puerto
Nonforeign Areas. Rico, and the U.S.
Virgin Islands.
58 FR 27316............ Office of Personnel Results of summer 1993
Management: Report on living-cost surveys
Summer 1993 Surveys conducted in Hawaii,
Used to Determine Cost- Guam, Puerto Rico,
of-Living Allowances and the U.S. Virgin
in Nonforeign Areas. Islands.
59 FR 45066............ Office of Personnel Results of winter 1994
Management: Report on living-cost surveys
Winter 1994 Surveys conducted in Alaska.
Used to Determine Cost-
of-Living Allowances
in Alaska.
------------------------------------------------------------------------
Appendix 2.--Multiple Survey Areas: Summer 1994 Survey
[Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
Location 1992 1993 1994 Average Weights
----------------------------------------------------------------------------------------------------------------
Hawaii County:
Hilo, HI............................................. 243 250 292 262 83.17
Kailua Kona, HI...................................... 47 52 60 53 16.83
------------------------------------------------------
Total.............................................. ......... ......... ......... 315 100.00
======================================================
Puerto Rico:
San Juan, PR......................................... 5074 5135 5235 5148 88.90
Mayaguez, PR......................................... 625 606 698 643 11.10
------------------------------------------------------
Total.............................................. ......... ......... ......... 5791 100.00
======================================================
Virgin Islands:
St. Croix, VI........................................ 148 142 151 147 45.09
St. Thomas, VI....................................... 180 190 166 179 54.91
------------------------------------------------------
Total.............................................. ......... ......... ......... 326 100.00
----------------------------------------------------------------------------------------------------------------
Multiple Income Levels: Summer 1994 Survey
[Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
Location and income level 1992 1993 1994 Average Weights
----------------------------------------------------------------------------------------------------------------
Honolulu, HI:
Low.................................................. 4789 4346 4239 4458 33.49
Middle............................................... 4567 4540 4171 4426 33.25
Upper................................................ 4248 4344 4689 4427 33.26
------------------------------------------------------
Total.............................................. ......... ......... ......... 13311 100.00
======================================================
[[Page 61346]]
Hawaii County, HI:
Low.................................................. 129 122 165 139 37.87
Middle............................................... 133 145 154 144 39.24
Upper................................................ 77 85 91 84 22.89
------------------------------------------------------
Total.............................................. ......... ......... ......... 367 100.00
======================================================
Kauai County, HI:
Low.................................................. 53 71 81 68 28.57
Middle............................................... 94 94 84 91 38.24
Upper................................................ 71 78 89 79 33.19
------------------------------------------------------
Total.............................................. ......... ......... ......... 238 100.00
======================================================
Maui County, HI:
Low.................................................. 29 37 39 35 24.65
Middle............................................... 61 56 56 58 40.84
Upper................................................ 44 51 51 49 34.51
------------------------------------------------------
Total.............................................. ......... ......... ......... 142 100.00
======================================================
Guam:
Low.................................................. 1010 1061 1060 1044 48.31
Middle............................................... 650 696 681 676 31.28
Upper................................................ 387 437 498 441 20.41
------------------------------------------------------
Total.............................................. ......... ......... ......... 2161 100.00
======================================================
Puerto Rico:
Low.................................................. 2535 2330 2428 2431 41.91
Middle............................................... 2133 2287 2184 2201 37.94
Upper................................................ 1047 1140 1321 1169 20.15
------------------------------------------------------
Total.............................................. ......... ......... ......... 5801 100.00
======================================================
Virgin Islands:
Low.................................................. 125 128 114 122 37.54
Middle............................................... 139 133 128 133 40.92
Upper................................................ 64 71 75 70 21.54
------------------------------------------------------
Total.............................................. ......... ......... ......... 325 100.00
----------------------------------------------------------------------------------------------------------------
Appendix 3.--Consumer Expenditure Surveys
[Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
Total complete reporting
---------------------------------------------------
1988 1991 1992 Average
----------------------------------------------------------------------------------------------------------------
Average Before Tax Income................................... 28,540.00 33,901.00 33,854.00 32,098.33
Average annual expenditures................................. 26,389.07 30,487.29 30,527.49 29,134.62
Food...................................................... 3,804.39 4,366.88 4,358.56 4,176.61
Food at home............................................ 2,176.94 2,724.89 2,684.35 2,528.73
Cereals and bakery products*.......................... 317.03 413.81 418.15 383.00
Cereals and cereal products*........................ 111.15 149.01 144.15 134.77
Flour*............................................ 4.83 6.61 7.21 6.22
Prepared flour mixes*............................. 9.88 14.67 13.62 12.72
Ready-to-eat and cooked cereals*.................. 73.49 90.13 88.39 84.00
Rice*............................................. 7.98 14.49 12.67 11.71
Pasta, cornmeal and other cereal products*........ 14.97 23.11 22.27 20.12
Bakery products*.................................... 205.88 264.80 274.00 248.23
Bread*............................................ 65.72 76.98 77.58 73.43
White bread*.................................... 35.48 38.93 38.04 37.48
Bread, other than white*........................ 30.24 38.04 39.54 35.94
Crackers and cookies*............................. 51.76 65.09 67.10 61.32
Cookies*........................................ 32.19 41.15 40.75 38.03
Crackers*....................................... 19.57 23.94 26.34 23.28
Frozen and refrigerated bakery products*.......... 13.55 19.33 21.06 17.98
Other bakery products*............................ 74.84 103.40 108.27 95.50
Biscuits and rolls*............................. 26.62 34.12 35.55 32.10
[[Page 61347]]
Cakes and cupcakes*............................. 20.31 29.49 31.67 27.16
Bread and cracker products*..................... 2.82 4.14 4.70 3.89
Sweetrolls, coffee cakes, doughnuts*............ 19.60 24.05 24.93 22.86
Pies, tarts, turnovers*......................... 5.48 11.61 11.41 9.50
Meats, poultry, fish, and eggs*....................... 560.01 725.06 687.17 657.41
Beef*............................................... 183.66 238.59 210.36 210.87
Ground beef*...................................... 79.09 89.66 87.67 85.47
Roast*............................................ 33.40 42.62 37.74 37.92
Chuck roast*.................................... 13.23 16.81 13.48 14.51
Round roast*.................................... 9.13 12.63 12.96 11.57
Other roast*.................................... 11.04 13.18 11.30 11.84
Steak*............................................ 59.01 87.83 69.00 71.95
Round steak*.................................... 11.62 16.56 14.63 14.27
Sirloin steak*.................................. 12.96 23.58 17.72 18.09
Other steak*.................................... 34.42 47.68 36.65 39.58
Other beef*....................................... 12.17 18.47 15.95 15.53
Pork*............................................... 114.19 146.62 155.56 138.79
Bacon*............................................ 20.23 21.28 20.47 20.66
Pork chops*....................................... 27.10 35.26 34.88 32.41
Ham*.............................................. 27.43 38.92 42.73 36.36
Ham, not canned*................................ 24.47 35.84 38.98 33.10
Canned ham*..................................... 2.96 3.08 3.75 3.26
Sausage*.......................................... 16.60 21.01 23.29 20.30
Other pork*....................................... 22.83 30.15 34.19 29.06
Other meats*........................................ 83.61 102.91 94.58 93.70
Frankfurters*..................................... 17.37 23.87 21.19 20.81
Lunch meats (cold cuts)*.......................... 58.88 70.13 63.56 64.19
Bologna, liverwurst, salami*.................... 19.11 23.75 22.91 21.92
Other lunchmeats*............................... 39.78 46.39 40.65 42.27
Lamb, organ meats and others*..................... 7.36 8.91 9.84 8.70
Lamb and organ meats*........................... 6.17 7.89 8.74 7.60
Mutton, goat and game*.......................... 1.19 1.02 1.10 1.10
Poultry*............................................ 85.49 123.67 123.39 110.85
Fresh and frozen chickens*........................ 66.41 92.17 91.28 83.29
Fresh whole chicken*............................ 17.24 24.27 19.61 20.37
Fresh and frozen chicken parts*................. 49.17 67.90 71.67 62.91
Other poultry, incl. whole frozen chickens*....... 19.08 31.50 32.10 27.56
Fish and seafood*................................... 65.24 81.51 74.99 73.91
Canned fish and seafood*.......................... 17.95 18.40 17.46 17.94
Fresh and frozen shellfish*....................... 14.98 25.27 21.36 20.54
Fresh and frozen finfish*......................... 32.31 37.83 36.17 35.44
Eggs*............................................... 27.83 31.77 28.30 29.30
Dairy products*....................................... 277.91 306.57 307.10 297.19
Fresh milk and cream*............................... 134.41 134.72 136.59 135.24
Whole milk*....................................... 52.12 49.88 47.69 49.90
Other milk and cream*............................. 82.29 84.84 88.90 85.34
Other dairy products*............................... 143.50 171.85 170.52 161.96
Butter*........................................... 8.89 10.62 9.71 9.74
Cheese*........................................... 79.01 90.15 87.72 85.63
Ice cream and related products*................... 41.68 50.47 51.93 48.03
Miscellaneous dairy products*..................... 13.93 20.61 21.16 18.57
Fruits and vegetables*................................ 376.38 437.70 435.20 416.43
Fresh fruits*....................................... 120.98 132.65 129.17 127.60
Apples*........................................... 21.57 26.69 26.64 24.97
Bananas*.......................................... 20.65 27.62 26.48 24.92
Oranges*.......................................... 10.98 12.28 13.23 12.16
Other fresh fruits*............................... 67.78 66.06 62.82 65.55
Fresh vegetables*................................... 110.67 131.09 127.84 123.20
Potatoes*......................................... 16.61 25.25 24.56 22.14
Lettuce*.......................................... 13.73 15.51 16.33 15.19
Tomatoes*......................................... 14.87 21.64 19.85 18.79
Other fresh vegetables*........................... 65.47 68.69 67.10 67.09
Processed fruits*................................... 86.81 99.35 102.67 96.28
Frozen fruits and fruit juices*................... 19.59 22.09 21.35 21.01
Frozen orange juice*............................ 14.43 14.09 13.34 13.95
Other frozen fruits and juices*................. 5.16 7.99 8.01 7.05
Canned and dried fruits*.......................... 21.22 24.23 23.48 22.98
Fresh, canned or bottled fruit juices*............ 46.00 53.03 57.83 52.29
Processed vegetables*............................... 57.92 74.61 75.53 69.35
[[Page 61348]]
Frozen vegetables*................................ 21.30 26.45 25.46 24.40
Canned and dried vegetables and juices*........... 36.62 48.16 50.07 44.95
Canned beans*................................... 6.64 9.26 10.09 8.66
Canned corn*.................................... 4.21 6.29 7.40 5.97
Other canned and dried veg. and juices*......... 25.77 32.61 32.59 30.32
Other food at home*................................... 645.61 841.75 836.73 774.70
Sugar and other sweets*............................. 80.66 104.62 106.24 97.17
Candy and chewing gum*............................ 45.41 59.10 62.86 55.79
Sugar*............................................ 17.07 20.80 18.12 18.66
Artificial sweeteners*............................ 2.36 3.23 3.24 2.94
Jams, preserves, other sweets*.................... 15.82 21.48 22.02 19.77
Fats and oils*...................................... 56.65 73.12 73.79 67.85
Margarine*........................................ 11.96 14.31 14.56 13.61
Other fats, oils, and salad dressing*............. 31.66 39.96 40.94 37.52
Nondairy cream and imitation milk*................ 4.49 6.56 6.75 5.93
Peanut butter*.................................... 8.54 12.30 11.53 10.79
Miscellaneous foods*................................ 272.98 387.81 393.26 351.35
Frozen prepared foods*............................ 46.13 71.21 73.99 63.78
Frozen meals*................................... 16.75 25.00 22.99 21.58
Other frozen prepared foods*.................... 29.39 46.21 51.01 42.20
Canned and packaged soups*........................ 21.41 26.23 25.44 24.36
Potato chips, nuts, and other snacks*............. 59.78 78.66 78.63 72.36
Potato chips and other snacks*.................. 46.79 62.03 62.34 57.05
Nuts*........................................... 12.99 16.63 16.29 15.30
Condiments and seasonings*........................ 61.52 87.93 90.44 79.96
Salt, spices, other seasonings*................. 12.31 19.15 20.79 17.42
Olives, pickles, relishes*...................... 7.62 11.05 10.82 9.83
Sauces and gravies*............................. 31.62 42.03 43.55 39.07
Baking needs and misc. products................. 9.97 15.71 15.29 13.66
Other canned and packaged prepared foods*......... 84.14 123.78 124.75 110.89
Salads and desserts*............................ 13.23 17.87 20.42 17.17
Baby food*...................................... 16.25 23.56 24.11 21.31
Miscellaneous prepared foods*................... 54.66 82.35 80.22 72.41
Nonalcoholic beverages*............................. 204.37 233.06 219.33 218.92
Cola*............................................. 92.19 92.26 86.71 90.39
Other carbonated drinks*.......................... 32.62 39.32 40.41 37.45
Coffee*........................................... 40.93 42.59 40.13 41.22
Roasted coffee*................................. 25.27 23.35 24.56 25.06
Instant and freeze dried coffee*................ 15.66 17.24 15.57 16.16
Noncarbonated fruit flavored drinks*.............. 16.30 25.74 20.15 20.73
Tea*.............................................. 11.18 14.66 14.26 13.37
Nonalcoholic beer*................................ NA NA NA NA
Other nonalcoholic beverages*..................... 11.15 18.51 17.68 15.78
Food prepared by consumer unit on out-of-town trips. 30.94 43.13 44.12 39.40
Food away from home..................................... 1,627.45 1,641.99 1,674.21 1,647.88
Meals at restaurants, carry-outs and other*........... 1,275.77 1,300.05 1,344.40 1,306.74
Lunch*.............................................. 499.88 463.89 476.89 480.22
Dinner*............................................. 549.30 601.50 619.67 590.16
Snacks and nonalcoholic beverages*.................. 142.56 133.59 141.35 139.17
Breakfast and brunch*............................... 84.04 101.08 106.49 97.20
Board (including at school)........................... 43.62 43.00 46.92 44.51
Catered affairs....................................... 41.27 46.07 40.77 42.70
Food on out-of-town trips............................. 195.31 178.84 167.14 180.43
School lunches........................................ 42.24 46.89 47.40 45.51
Meals as pay.......................................... 29.24 27.13 27.58 27.98
Alcoholic beverages..................................... 281.70 313.94 321.12 305.59
At home*.............................................. 148.36 166.77 177.01 164.05
Beer and ale*....................................... 89.05 87.98 99.54 92.19
Whiskey*............................................ 12.73 17.07 14.23 14.68
Wine*............................................... 32.15 45.33 43.11 40.20
Other alcoholic beverages*.......................... 14.43 16.38 20.13 16.98
Away from home........................................ 133.34 147.17 144.11 141.54
Beer and ale*....................................... 37.50 46.76 48.77 44.34
Wine*............................................... 18.54 25.57 22.95 22.35
Other alcoholic beverages*.......................... 58.12 46.66 47.06 50.61
Alcoholic beverages purchased on trips.............. 19.17 28.19 25.34 24.23
Housing................................................... 8,069.13 9,325.13 9,528.41 8,974.22
Shelter................................................. 4,470.25 5,208.28 5,431.78 5,036.77
Owned dwellings....................................... 2,554.04 3,279.50 3,307.24 3,046.93
[[Page 61349]]
Mortgage interest and charges....................... 1,560.48 1,951.95 1,984.40 1,832.28
Mortgage interest................................. 1,560.38 1,880.31 1,856.78 1,765.82
Interest paid, home equity loan................... NA 33.34 63.99 48.67
Interest paid, home equity line of credit......... NA 37.94 63.32 50.63
Prepayment penalty charges........................ 0.10 0.36 0.31 0.26
Property taxes...................................... 496.08 767.69 760.97 674.91
Maintenance, repairs, insurance, and other expenses. 497.48 559.86 561.86 539.73
Homeowners and related insurance.................. 151.74 164.20 176.37 164.10
Fire and extended coverage...................... 4.98 3.84 5.02 4.61
Homeowners insurance............................ 146.76 160.36 171.35 159.49
Ground rent....................................... 26.88 33.78 33.40 31.35
Maintenance and repair services................... 252.68 278.55 268.09 266.44
Painting and papering........................... 52.01 39.24 37.27 42.84
Plumbing an water heating....................... 23.06 31.48 34.02 29.52
Heat, a/c, electrical work...................... 42.03 45.96 53.14 47.04
Roofing and gutters............................. 46.96 54.11 40.98 47.35
Other repair and maintenance services........... 78.78 99.93 91.16 89.96
Repair and replacement of hard surface flooring. 8.14 6.47 10.16 8.26
Repair of built-in appliances................... 1.68 1.36 1.36 1.47
Maintenance and repair commodities................ 65.41 69.18 63.89 66.16
Paints, wallpaper and supplies.................. 17.47 16.27 16.50 16.75
Tools and equipment for painting and
wallpapering................................... 1.88 1.75 1.77 1.80
Plumbing supplies and equipment................. 5.65 7.65 5.96 6.42
Electrical supplies, heating and cooling
equipment...................................... 3.76 3.44 7.13 4.78
Materials for hard surface flooring, repair and
replac......................................... 1.85 2.17 3.13 2.38
Materials and equipment for roof and gutters.... 5.18 6.61 6.20 6.00
Materials for plaster., panel., siding, wind.,
doors, screens, awn............................ 11.08 10.86 7.29 9.74
Materials for patio, walk, fence, drive.,
mason., brick, stucco work..................... 2.12 0.55 0.67 1.11
Materials for landscaping maintenance........... 2.52 1.77 1.15 1.81
Miscellaneous supplies and equipment............ 13.89 18.11 14.08 15.36
Material for insulation, other maint., and
repair....................................... 7.87 12.55 7.84 9.42
Materials to finish base., remodel rooms or
build patios, walks, etc..................... 6.02 5.56 6.24 5.94
Property management and security.................. 0.74 13.44 20.12 11.43
Property management............................. 0.64 8.61 13.24 7.50
Management and upkeep services for security..... 0.10 4.84 6.88 3.94
Parking........................................... 0.04 0.70 NA 0.37
Rented dwellings...................................... 1,469.41 1,609.43 1,787.19 1,622.01
Rent................................................ 1,428.30 1,538.23 1,714.30 1,560.28
Rent as pay......................................... 17.34 44.87 37.09 33.10
Maintenance, insurance and other expenses........... 23.76 26.33 35.80 28.63
Tenant's insurance................................ 8.68 9.76 9.16 9.20
Maintenance and repair services................... 9.01 9.96 11.88 10.28
Repair or maintenance service................... 8.62 9.49 11.52 9.88
Repair and replacement of hard surface flooring. 0.36 0.38 0.29 0.34
Repair of built-in appliances................... 0.03 0.08 0.07 0.06
Maintenance and repair commodities................ 6.07 6.61 14.76 9.15
Paint, wallpaper, and supplies.................. 1.19 2.07 1.70 1.65
Tools and equipment for painting and
wallpapering................................... 0.13 0.22 0.18 0.18
Materials for plastering, panels, roofing,
gutters, etc................................... 0.68 0.43 2.86 1.32
Materials for patio, walk, fence, drive,
masonry, brick and stucco work................. 0.02 0.02 0.04 0.03
Plumbing supplies and equipment................. 0.38 0.25 0.55 0.39
Electrical supplies, heating and cooling
equipment...................................... 0.92 0.34 0.26 0.51
Miscellaneous supplies and equipment............ 1.84 2.17 7.71 3.91
Material for insulation, other maintenance and
repair....................................... 0.58 0.82 1.51 0.97
Termite and pest control (capital improvement) 0.00 NA NA 0.00
Materials for additions, finishing base.,
remodeling rooms............................. 1.08 1.34 5.90 2.77
Construction materials for jobs not started... 0.18 0.01 0.30 0.16
Material for hard surface flooring.............. 0.14 0.59 0.90 0.54
Material for landscape maintenance.............. 0.76 0.53 0.55 0.61
Other lodging......................................... 446.79 319.35 337.35 367.83
Owned vacation homes................................ 78.26 92.13 115.29 95.23
Mortgage interest and charges..................... NA 39.20 54.55 46.88
Mortgage interest............................... 48.65 38.93 50.60 46.06
Interest paid, home equity loan................. NA 0.02 1.06 0.54
Interest paid, home equity line of credit....... NA 0.26 2.88 1.57
Prepayment penalty charge....................... 0.00 NA NA 0.00
Property taxes.................................... 16.90 37.77 42.04 32.24
Maintenance, insurance, and other expenses........ 12.71 15.17 18.70 15.53
Homeowners and related insurance................ 3.07 3.79 4.10 3.65
[[Page 61350]]
Homeowners insurance.......................... 3.04 3.65 3.86 3.52
Ground rent..................................... 3.33 2.32 1.75 2.47
Maintenance and repair services................. 5.52 5.25 7.53 6.10
Repair and remodeling services................ 5.52 5.14 7.39 6.02
Repair and replacement of hard surface
flooring..................................... 0.00 0.11 0.15 0.09
Maintenance and repair commodities.............. 0.39 0.53 1.97 0.96
Paints, wallpaper, supplies................... 0.08 0.15 1.31 0.51
Tools and equipment for painting and
wallpapering................................. 0.01 0.02 0.14 0.06
Materials for plaster., panel., roof.,
gutters, downspouts, sid., wind., door,...... 0.05 0.05 0.07 0.06
Material for patio, walk, fence, drive,
masonry, brick, stucco....................... 0.00 0.00 0.01 0.00
Plumbing supplies and equipment............... 0.02 0.05 0.32 0.13
Electrical supplies, heating and cooling
equipment.................................... 0.01 0.09 0.03 0.04
Miscellaneous supplies and equipment.......... 0.01 0.12 0.09 0.07
Material for insulation, other maintenance
and repair................................. 0.01 0.04 0.09 0.05
Material for finishing basements and
remodeling rooms........................... 0.00 0.08 NA 0.04
Materials for hard surface flooring........... 0.20 NA NA 0.20
Materials for landscaping maintenance......... 0.00 0.06 NA 0.03
Property management and security................ 0.40 3.19 3.35 2.31
Property management........................... 0.40 1.96 2.25 1.54
Management and upkeep services for security... 0.00 1.23 1.10 0.78
Parking......................................... 0.00 0.09 NA 0.05
Housing while attending school........................ 35.48 59.66 54.71 49.95
Lodging on out-of-town trips.......................... 178.58 167.56 167.34 171.16
Utilities, fuels, and public services..................... 1,726.29 1,961.13 1,962.49 1,883.30
Natural gas............................................. 232.22 240.89 246.97 240.03
Utility-natural gas (renter).......................... 50.85 50.96 55.98 52.60
Utility-natural gas (owned home)...................... 180.07 189.11 189.86 186.35
Utility-natural gas (owned vacation).................. 1.22 0.82 1.07 1.04
Utility-natural gas (rented vacation)................. 0.08 NA 0.06 0.07
Electricity............................................. 700.08 791.57 770.65 754.10
Electricity (renter).................................. 169.94 189.36 201.59 186.96
Electricity (owned home).............................. 524.87 595.84 562.26 560.99
Electricity (owned vacation).......................... 5.03 6.00 6.59 5.87
Electricity (rented vacation)......................... 0.25 0.37 0.20 0.27
Fuel oil and other fuels................................ 94.02 103.30 93.93 97.08
Fuel oil.............................................. 55.60 62.83 55.61 58.01
Fuel oil (renter)................................... 5.21 5.61 7.00 5.94
Fuel oil (owned home)............................... 49.96 56.67 48.25 51.63
Fuel oil (owned vacation)........................... 0.38 0.51 0.36 0.42
Fuel oil (rented vacation).......................... 0.06 0.04 NA 0.05
Coal.................................................. 3.50 4.66 2.50 3.55
Coal (renter)....................................... 0.55 0.26 0.05 0.29
Coal (owned home)................................... 2.95 4.38 2.44 3.26
Coal (owned vacation)............................... 0.00 0.02 0.02 0.01
Coal (rented vacation).............................. 0.00 NA NA 0.00
Bottled gas........................................... 24.48 27.47 27.18 26.38
Gas, btld/tank (renter)............................. 3.78 4.19 4.79 4.25
Gas, btld/tank (owned home)......................... 18.58 21.14 20.75 20.16
Gas, btld/tank (owned vacation)..................... 2.12 2.11 1.64 1.96
Gas, btld/tank (rented vacation).................... 0.00 0.02 NA 0.01
Wood and other fuels.................................. 10.43 8.35 8.64 9.14
Wood/other fuels (renter)........................... 1.31 1.37 1.59 1.42
Wood/other fuels (owned home)....................... 9.05 6.92 6.71 7.56
Wood/other fuels (owned vacation)................... 0.06 0.05 0.34 0.15
Wood/other fuels (rented vacation).................. 0.00 NA NA 0.00
Telephone services.................................... 528.79 608.50 619.87 585.72
Telephone (old)..................................... NA 48.22 0.00 24.11
Telephone services in home city, excluding mobile
car phones......................................... NA 560.28 619.87 590.08
Telephone services for mobile car phones............ NA NA NA NA
Water and other public services....................... 171.19 216.87 231.08 206.38
Water and sewerage maintenance...................... 131.02 159.33 160.22 150.19
Water/sewer maint. (renter)....................... 18.53 22.04 24.38 21.65
Water/sewer maint. (owned home)................... 111.57 136.19 133.69 127.15
Water/sewer maint. (owned vacation)............... 0.83 1.09 2.10 1.34
Water/sewer maint. (rented vacation).............. 0.09 0.01 0.05 0.05
Trash and garbage collection........................ 38.67 55.90 69.38 54.65
Trash/garb. coll. (renter)........................ 5.28 7.26 7.37 6.64
[[Page 61351]]
Trash/garb. coll. (owned home).................... 33.31 47.64 59.92 46.96
Trash/garb. coll. (owned vacation)................ 0.08 1.00 2.09 1.06
Trash/garb. coll. (rented vacation)............... 0.00 NA 0.01 0.01
Septic tank cleaning................................ 1.50 1.65 1.47 1.54
Septic tank clean. (renter)....................... 0.01 0.07 0.11 0.06
Septic tank clean. (owned home)................... 1.48 1.57 1.29 1.45
Septic tank clean. (owned vacation)............... 0.00 0.01 0.07 0.03
Septic tank clean. (rented vacation).............. 0.00 NA NA 0.00
Household operations.................................. 387.45 451.97 487.20 442.21
Personal services................................... 176.53 224.86 253.05 218.15
Babysitting....................................... 74.62 83.78 85.92 81.44
Care for elderly, invalids, handicapped, etc...... 11.66 26.56 43.92 27.38
Day-care centers, nursery, and preschools......... 90.25 114.51 123.21 109.32
Other household expenses............................ 210.92 227.11 234.15 224.06
Housekeeping services............................. 67.76 77.46 71.70 72.31
Gardening, lawn care service...................... 49.60 60.85 64.99 58.48
Water softening service........................... 2.81 2.72 3.28 2.94
Household laundry, dry cleaning, sent out
(nonclothing) not coin operated.................. 1.63 2.21 2.32 2.05
Coin-operated household laundry and dry cleaning
(nonclothing).................................... 4.78 4.91 5.58 5.09
Other home services............................... 17.86 16.79 18.38 17.68
Termite/pest control products..................... 0.20 0.22 0.29 0.24
Moving, storage, freight express.................. 26.46 22.73 24.37 24.52
Appliance repair, including service center........ 16.44 16.96 15.88 16.43
Reupholstering, furniture repair.................. 13.85 11.51 18.56 14.64
Repair/rental of lawn/garden equip., hand/power
tools, other house. equip........................ 5.92 5.78 3.74 5.15
Appliance rental.................................. 2.08 1.28 1.86 1.74
Rental of office equipment for nonbusiness use.... 0.17 0.17 0.13 0.16
Repair of miscellaneous household equipment and
furnishings*..................................... 0.48 2.34 1.89 1.57
Repair of computer systems for nonbusiness use.... 0.88 1.19 1.19 1.09
Rental/installation of dishwashers, range hoods,
and garbage disposals............................ 0.00 NA NA 0.00
Housekeeping supplies*.............................. 382.82 451.34 462.61 432.26
Laundry and cleaning supplies*.................... 106.44 123.66 123.97 118.02
Soaps and detergents*............................. 62.10 73.49 70.41 68.67
Other laundry cleaning products*.................. 44.33 50.17 53.56 49.35
Other household products*........................... 157.48 197.81 211.79 189.03
Cleansing and toilet tissue, paper towels and
napkins*......................................... 52.12 62.60 60.52 58.41
Miscellaneous household products*................. 67.89 91.22 94.75 84.62
Lawn and garden supplies*......................... 37.47 44.00 56.52 46.00
Postage and stationery*............................. 118.90 129.87 126.85 125.20
Stationery, stationery supplies, giftwraps*....... 54.40 66.09 62.59 61.03
Postage*.......................................... 64.49 63.78 64.26 64.18
Household furnishings and equipment................. 1,102.32 1,252.41 1,184.33 1,179.69
Household textiles................................ 97.11 107.35 94.56 99.67
Bathroom linens*................................ 13.69 24.61 15.62 17.97
Bedroom linens*................................. 38.11 39.34 43.17 40.21
Kitchen and dining room linens*................. 5.74 4.76 7.84 6.11
Curtains and draperies.......................... 26.56 18.09 19.11 21.25
Silpcovers, decorative pillows.................. 1.64 1.36 1.42 1.47
Sewing material for slipcovers, curtains, other
sewing mater, for the home*.................... 10.32 18.17 6.54 11.68
Other linens.................................... 1.05 1.04 0.86 0.98
Furniture......................................... 319.44 297.24 316.15 310.94
Mattress and springs............................ 41.86 35.82 38.97 38.88
Other bedroom furniture......................... 39.75 46.24 57.57 47.85
Sofas........................................... 65.44 65.48 70.67 67.20
Living room chairs.............................. 35.91 34.99 30.70 33.87
Living room tables.............................. 20.16 14.24 17.63 17.34
Kitchen, dining room furniture.................. 58.64 46.11 42.37 49.04
Infants' furniture.............................. 7.01 7.58 6.74 7.11
Outdoor furniture............................... 12.57 13.59 11.02 12.39
Occasional furniture............................ 38.12 33.18 40.48 37.26
Floor coverings................................... 70.23 128.97 61.08 86.76
Wall-to-wall carpeting (renter)................. 2.41 2.02 2.57 2.33
Wall-to-wall carpet, installed (renter)....... 1.73 1.56 2.05 1.78
Wall-to-wall carpet, not installed carpet
squares (renter)............................. 0.68 0.46 0.52 0.55
Wall-to-wall carpet (replacement) (owned home).. 42.57 34.99 29.06 35.54
Wall-to-wall carpet, not installed (replace.),
carp. squar. (owned home).................... 3.04 2.91 1.89 2.61
Wall-to-wall carpet, installed (replacement)
(owned home)................................. 39.53 32.08 27.17 32.93
Room size rugs and other floor covering,
nonpermanent*.................................. 25.25 91.96 29.45 48.89
[[Page 61352]]
Major appliances.................................. 172.90 131.98 144.89 149.92
Dishwashers (built-in), garbage disposals, range
hoods, (renter)................................ 0.24 0.98 0.16 0.46
Dishwashers (built-in), garbage disposals, range
hoods, (owned home)............................ 10.05 9.54 7.21 8.93
Refrigerators, freezers (renter)................ 11.18 7.51 8.38 9.02
Refrigerators, freezers (owned home)............ 39.29 25.85 33.30 32.81
Washing machines (renter)....................... 6.56 4.28 6.28 5.71
Washing machines (owned home)................... 17.96 17.22 15.85 17.01
Clothes dryers (renter)......................... 4.18 2.34 3.35 3.29
Clothes dryers (owned home)..................... 10.35 7.05 9.78 9.06
Cooking stoves, ovens (renter).................. 2.87 2.18 3.11 2.72
Cooking stoves, ovens (owned home).............. 19.55 13.20 14.81 15.85
Microwave ovens (renter)........................ 4.47 2.09 3.09 3.22
Microwave ovens (owned home).................... 9.81 4.85 4.74 6.47
Portable dishwasher (renter).................... 0.31 0.14 0.11 0.19
Portable dishwasher (owned home)................ 1.33 0.24 1.15 0.91
Window air conditioners (renter)................ 2.43 1.12 1.18 1.58
Window air conditioners (owned home)............ 8.23 7.61 3.31 6.38
Electric floor cleaning equipment............... 14.62 15.03 13.63 14.43
Sewing machines................................. 6.08 5.19 5.15 5.47
Miscellaneous household appliances*............. 3.39 5.56 10.29 6.41
Small appliances, miscellaneous housewares........ 60.51 83.38 86.46 76.78
Housewares...................................... 39.14 57.82 62.47 53.14
Plastic dinnerware............................ 1.83 1.79 1.61 1.74
China and other dinnerware.................... 10.31 11.56 11.60 11.16
Flatware...................................... 3.44 4.07 3.97 3.83
Glassware*.................................... 9.79 7.08 13.59 10.15
Silver serving pieces*........................ 0.27 3.83 1.35 1.82
Other serving pieces.......................... 1.36 1.78 1.59 1.58
Nonelectric cookware*......................... 12.14 11.67 11.66 11.82
Tableware, nonelectric kitchenware*........... NA 16.02 17.08 16.55
Small appliances................................ 21.37 25.56 23.99 23.64
Small electric kitchen appliances............. 14.17 18.05 18.75 16.99
Portable heating and cooling equipment........ 7.20 7.52 5.23 6.65
Miscellaneous household equipment................. 382.11 503.48 481.19 455.59
Window coverings................................ 13.72 12.79 17.37 14.63
Infants' equipment*............................. 3.77 10.62 5.52 6.64
Laundry and cleaning equip.*.................... 8.52 9.19 10.99 9.57
Outdoor equipment............................... 4.73 6.20 4.83 5.25
Clocks.......................................... 5.46 4.45 3.38 4.43
Lamps and lighting fixtures*.................... 28.40 22.80 26.10 25.77
Other household decorative items*............... 80.30 107.69 111.16 99.72
Telephones and accessories*..................... 7.25 62.21 20.55 30.00
Lawn and garden equipment....................... 49.12 39.58 43.15 43.95
Power tools..................................... 14.39 13.25 16.15 14.60
Small miscellaneous furnishings*................ 3.39 5.23 1.15 3.26
Hand tools*..................................... 13.67 11.71 14.07 13.15
Indoor plants, fresh flowers*................... 41.42 57.80 53.49 50.90
Closet and storage items*....................... 4.62 6.99 12.21 7.94
Rental of furniture............................. 3.02 3.36 3.67 3.35
Luggage......................................... 8.72 7.49 7.04 7.75
Computers and computer hardware nonbusiness use. 39.86 63.64 63.66 55.72
Computer software and accessories for
nonbusiness use................................ 7.36 8.69 9.48 8.51
Telephone answering devices..................... 4.23 5.00 4.64 4.62
Calculators..................................... 1.99 2.56 1.57 2.04
Business equipment for home use................. 6.20 5.02 4.23 5.15
Other hardware*................................. 6.95 11.83 13.74 10.84
Smoke alarms (owned home)....................... 0.54 0.38 0.47 0.46
Smoke alarms (renter)........................... 0.15 0.09 0.06 0.10
Smoke alarms (owned vacation)................... 0.00 NA NA 0.00
Other household appliances (owned home)......... 4.25 4.63 4.40 4.43
Other household appliances (renter)............. 1.35 0.87 0.99 1.07
Miscellaneous household equipment and parts*.... 18.73 19.42 27.08 21.74
Apparel and services...................................... 1,537.27 1,801.23 1,732.90 1,690.47
Men and boys............................................ 400.67 448.88 436.86 428.80
Men, 16 and over...................................... 318.80 357.81 353.05 343.22
Men's suits......................................... 41.20 39.20 43.98 41.46
Men's sportcoats, tailored jackets.................. 15.57 13.84 12.04 13.82
Men's coats and jackets*............................ 29.30 30.48 26.12 28.63
Men's underwear*.................................... 9.72 12.26 14.13 12.04
[[Page 61353]]
Men's hosiery*...................................... 10.34 12.60 13.73 12.22
Men's nightwear*.................................... 2.89 6.24 5.84 4.99
Men's accessories*.................................. 22.88 34.42 33.64 30.31
Men's sweaters and vests............................ 17.65 13.47 13.11 14.74
Men's active sportswear............................. 12.10 12.15 11.96 12.07
Men's shirts*....................................... 74.17 87.10 87.25 82.84
Men's pants*........................................ 70.76 77.09 70.18 72.68
Men's shorts, shorts sets*.......................... 8.29 13.53 16.40 12.74
Men's uniforms...................................... 3.16 5.00 3.70 3.95
Men's costumes...................................... 0.77 0.42 0.98 0.72
Boys, 2 to 15......................................... 81.86 91.07 83.82 85.58
Boys' coats and jackets*............................ 9.48 4.36 5.73 6.52
Boys' sweaters...................................... 3.73 3.09 2.70 3.17
Boys' shirts*....................................... 20.55 21.80 19.50 20.62
Boys' underwear*.................................... 1.55 4.96 4.89 3.80
Boys' nightwear*.................................... 2.79 2.21 2.83 2.61
Boys' hosiery*...................................... 3.99 4.97 4.26 4.41
Boys' accessories*.................................. 2.77 4.58 5.19 4.18
Boys' suits, sportcoats, vests*..................... 3.00 0.51 2.13 1.88
Boys' pants*........................................ 24.70 24.72 19.41 22.94
Boys' shorts, shorts sets*.......................... 3.91 11.51 9.03 8.15
Boys' uniforms, active sportwear.................... 5.10 7.43 7.30 6.61
Boys' costumes...................................... 0.29 0.93 0.85 0.69
Women and girls....................................... 608.90 724.73 703.40 679.01
Women, 16 and over.................................. 509.83 624.19 607.23 580.42
Women's coats and jackets*........................ 33.49 40.55 58.80 44.28
Women's dresses*.................................. 83.27 118.10 89.96 97.11
Women's sportcoats, tailored jackets*............. 0.84 6.02 3.90 3.59
Women's vests and sweaters*....................... 36.74 46.00 40.43 41.06
Women's shirts, tops, blouses*.................... 85.55 114.03 106.20 101.93
Women's skirts*................................... 29.28 28.63 21.52 26.48
Women's pants*.................................... 66.85 69.35 79.18 71.79
Women's shorts, shorts sets*...................... 14.23 20.40 23.33 19.32
Women's active sportswear*........................ 23.13 28.54 32.91 28.19
Women's sleepwear*................................ 22.57 20.98 25.33 22.96
Women's undergarments*............................ 24.38 27.53 33.13 28.35
Women's hosiery................................... 25.85 27.13 25.01 26.00
Women's suits..................................... 28.04 33.54 30.71 30.76
Women's accessories*.............................. 34.46 38.59 33.98 35.68
Women's uniforms*................................. 1.15 1.47 1.82 1.48
Women's costumes.................................. 0.00 3.34 1.01 1.45
Girls, 2 to 15...................................... 99.08 100.53 96.17 98.59
Girls' coats and jackets.......................... 7.95 6.71 7.65 7.44
Girls' dresses, suits............................. 12.02 13.87 13.23 13.04
Girls' shirts, blouses, sweaters*................. 30.19 23.20 22.42 25.27
Girls' skirts and pants........................... 16.37 15.56 14.87 15.60
Girls' shorts, shorts sets........................ 6.41 8.41 9.83 8.22
Girls' active sportswear*......................... 9.32 10.66 8.41 9.46
Girls' underwear and sleepwear.................... 5.92 6.16 6.26 6.11
Girls' hosiery*................................... 4.88 6.09 5.05 5.34
Girls' accessories*............................... 4.08 5.49 4.50 4.69
Girls' uniforms................................... 1.46 2.26 1.86 1.86
Girls' costumes................................... NA 2.12 2.08 2.10
Children under 2.................................... 63.60 85.67 80.39 76.55
Infant coat, jacket, snowsuit....................... 3.17 2.99 3.25 3.14
Infant dresses, outerwear........................... 14.98 17.87 20.75 17.87
Infant underwear*................................... 36.68 51.00 46.85 44.84
Infant nightwear, loungewear........................ 3.19 3.11 4.26 3.52
Infant accessories.................................. 3.06 5.15 5.28 4.50
Infant hosiery...................................... 0.41 0.10 NA 0.10
Footwear*............................................. 204.13 258.04 243.05 235.07
Men's footwear*..................................... 62.95 72.47 73.53 69.65
Boys' footwear*..................................... 18.19 29.42 31.65 26.42
Women's footwear*................................... 104.54 128.82 115.47 116.28
Girls' footwear*.................................... 18.46 27.33 22.41 22.73
Other apparel products and services................... 259.97 283.91 269.19 271.02
Material for making clothes......................... 8.12 9.10 8.58 8.60
Sewing patterns and notions......................... 2.15 3.00 2.56 2.57
Watches............................................. 21.65 20.45 20.47 20.86
[[Page 61354]]
Jewelry............................................. 110.35 121.45 108.73 113.41
Shoe repair and other shoe service.................. 3.46 4.27 3.47 3.73
Coin-operated apparel laundry and dry cleaning...... 34.25 37.63 38.61 36.83
Apparel alteration and repair....................... 6.05 6.23 6.02 6.10
Clothing rental..................................... 4.77 4.02 3.56 4.12
Watch and jewelry repair............................ 5.72 6.94 5.54 6.07
Apparel laundry and dry cleaning not coin operated.. 62.72 69.99 70.94 67.88
Clothing storage.................................... 0.75 0.83 0.71 0.76
Transportaiton............................................ 5,140.21 5,235.41 5,232.14 5,202.59
Vehicle purchases (net outlay).......................... 2,388.19 2,154.04 2,167.03 2,236.42
Cars and trucks, new.................................. 1,391.73 1,072.55 1,095.97 1,186.75
New cars............................................ 991.60 749.65 749.56 830.27
New trucks.......................................... 400.13 322.90 346.42 356.48
Cars and trucks, used................................. 971.12 1,060.67 1,033.39 1,021.73
Used cars........................................... 754.27 742.29 737.98 744.85
Used trucks......................................... 216.85 318.39 295.42 276.89
Other vehicles........................................ 25.34 20.82 37.66 27.94
New motorcycles..................................... 5.21 2.87 18.06 8.71
New aircraft........................................ 0.00 NA NA 0.00
Used motorcycles.................................... 15.86 17.95 9.04 14.28
Used aircraft....................................... 4.27 NA 10.57 7
Gasoline and motor oil.................................. 933.90 998.10 972.68 968.23
Gasoline.............................................. 812.03 884.83 868.13 855.00
Diesel fuel........................................... 12.01 9.23 9.86 10.37
Gasoline on out-of-town trips......................... 96.47 91.98 82.43 90.29
Gasohol*.............................................. 0.00 NA NA 0.00
Motor oil............................................. 12.55 11.31 11.44 11.77
Motor oil on out-of town trips........................ 0.85 0.74 0.83 0.81
Other vehicle expenses.................................. 1,552.56 1,775.67 1,805.62 1,711.28
Vehicle finance charges............................... 284.70 280.20 258.96 274.62
Automobile finance charges.......................... 196.25 190.05 169.13 185.14
Truck finance charges............................... 71.94 75.90 71.72 73.19
Motorcycle and plane finance charges................ 1.67 0.50 1.93 1.37
Other vehicle finance charges....................... 14.85 13.76 16.18 14.93
Maintenance and repairs............................... 568.66 641.71 627.51 612.63
Coolant, additives, brake, transmission fluids...... 7.15 6.94 6.77 6.95
Tires--purchased, replaced, installed............... 86.22 85.76 92.70 88.23
Parts, equipment and accessories*................... 86.80 100.00 75.63 87.48
Vehicle products*................................... 3.92 3.19 3.14 3.42
Misc. auto repair, servicing*....................... 17.18 22.31 20.13 19.87
Body work and painting.............................. 34.71 30.35 32.21 32.42
Clutch, transmission repair......................... 34.54 35.98 34.71 35.08
Drive shaft and rear-end repair..................... 7.58 6.97 7.96 7.50
Brake work.......................................... 33.05 42.57 43.87 39.83
Repair to steering or front-end..................... 11.64 12.69 15.62 13.32
Repair to engine cooling system..................... 22.87 24.02 24.59 23.83
Motor tune-up....................................... 40.07 46.97 46.95 44.66
Lube, oil change, and oil filters................... 24.67 33.01 35.54 31.07
Front-end alignment, wheel balance.................. 9.30 11.64 12.40 11.11
Shock absorber replacement.......................... 6.01 9.13 8.25 7.80
Brake adjustment.................................... 4.75 6.83 5.13 5.57
Gas tank repair, re-................................
placement*.......................................... 0.09 1.18 1.60 0.96
Repair tires and other repair work.................. 29.23 33.15 33.63 32.00
Exhaust system repair............................... 14.55 18.36 18.29 17.07
Electrical system repair............................ 20.35 26.00 28.19 24.85
Motor repair, replacement........................... 63.53 79.50 73.60 72.21
Autor repair service policy......................... 8.54 5.18 6.60 6.77
Vehicle insurance..................................... 515.06 619.68 638.83 591.19
Vehicle rental, leases, licenses, other charges....... 184.14 234.08 280.31 232.84
Leased and rented vehicles.......................... 68.54 95.89 125.45 96.63
Rented vehicles................................... NA 33.77 32.93 33.35
Auto rental..................................... 44.36 12.42 8.36 21.71
Auto rental, out-of-town trips.................. 6.78 15.41 16.16 12.78
Truck rental.................................... 12.51 2.10 2.71 5.77
Truck rental, out-of-town trips................. 3.99 2.49 5.20 3.89
Motorcycle rental............................... 0.00 NA NA 0.00
Aircraft rental................................. 0.47 0.27 0.24 0.33
Motorcycle rental, out-of-town trips............ 0.04 0.50 0.07 0.20
[[Page 61355]]
Aircraft rental, out-of-town trips.............. 0.40 0.58 0.20 0.39
Leased vehicles................................... NA 62.11 92.52 77.32
Car lease payments.............................. NA 47.74 69.08 58.41
Cash downpayment (car lease).................... NA 2.12 8.22 5.17
Termination fee (car lease)..................... NA 0.16 0.14 0.15
Truck lease payments............................ NA 11.01 12.47 11.74
Cash downpayment (truck lease).................. NA 1.09 1.52 1.31
Termination fee (truck lease)................... NA NA 1.08 1.08
State and local registration...................... 67.04 75.17 87.09 76.43
Driver's license.................................. 6.59 7.27 7.41 7.09
Vehicle inspection................................ 6.33 8.31 9.03 7.89
Parking fees...................................... 20.50 23.86 23.01 22.46
Parking fees (old).............................. NA 1.34 0.00 0.67
Parking fees in home city, excluding residence.. NA 19.97 20.52 20.25
Parking fees, out-of-town trips................. NA 2.54 2.49 2.52
Tolls*............................................ 5.96 8.71 10.98 8.55
Tolls on out-of-town trips........................ 4.12 4.51 4.18 4.27
Towing charges.................................... 5.05 4.89 5.02 4.99
Automobile service clubs.......................... NA 5.48 8.14 6.81
Public transportation............................... 265.56 307.60 286.82 286.66
Airline fares..................................... 176.01 183.39 173.89 177.76
Intercity bus fares............................... 14.30 7.84 10.90 11.01
Intracity mass transit fares...................... 41.07 54.01 48.57 47.88
Local trans. on out-of-town trips................. 0.54 3.34 8.74 4.21
Taxi fares on trips............................... 4.86 17.17 5.14 9.06
Taxi fares........................................ 5.89 6.78 6.46 6.38
Intercity train fares............................. 9.04 14.66 17.38 13.69
Ship fares........................................ 13.00 19.63 14.54 15.72
School bus........................................ 0.86 0.77 1.21 0.95
Health care......................................... 1,282.43 1,563.01 1,653.66 1,499.70
Health insurance.................................. 473.36 652.12 727.65 617.71
Commercial health insurance..................... 165.28 213.85 232.16 203.76
Blue Cross, Blue Shield......................... 116.52 148.51 173.35 146.13
Health maintenance plans (HMO's).................. 48.48 95.76 90.57 78.27
Medicare payments................................. 78.60 101.70 111.33 97.21
Commercial medicare supplements................... 64.48 92.29 120.24 92.34
Medical services.................................... 512.73 561.20 546.03 539.99
Physician's services.............................. 149.19 179.39 170.75 166.44
Dental services................................... 150.89 179.38 174.32 168.20
Eyecare services.................................. 22.70 25.60 29.20 25.83
Nursing, therapy, and misc. medical services (old) 4.21 0.44 NA 2.33
Service by professionals other than physician..... 22.62 29.39 32.66 28.22
Lab tests, x-rays................................. 26.78 25.91 31.35 28.01
Hospital room..................................... 54.96 36.47 37.42 42.95
Hospital service other than room.................. 26.61 53.30 44.63 41.51
Medical care in retirement community.............. NA NA NA NA
Care in convalescent or nursing home.............. 40.86 21.05 13.48 25.13
Repair of medical equipment*...................... 0.05 NA NA 0.05
Other medical care services....................... 13.86 8.07 12.24 11.39
Drugs............................................... 225.28 258.20 284.99 256.16
Nonprescription drugs*............................ 65.79 73.86 80.16 73.27
Prescription drugs................................ 159.49 184.34 204.83 182.89
Medical supplies.................................... 71.06 91.49 94.98 85.84
Eyeglasses and contact lenses..................... 45.18 59.02 57.35 53.85
Hearing aids*..................................... 0.00 3.50 7.13 3.54
Topicals and dressings*........................... 14.40 21.63 24.32 20.12
Medical equipment for general use................. 5.29 2.32 2.25 3.29
Supportive and convalescent medical equipment..... 5.70 3.48 2.85 4.01
Rental of medical equipment....................... 0.50 0.35 0.35 0.40
Rental of supportive, convalescent medical
equipment........................................ NA 1.19 0.74 0.97
Entertainment....................................... 1,348.90 1,523.49 1,525,52 1,465.97
Fees and admissions............................... 351.99 384.49 375.11 370.53
Recreation expenses, out-of-town trips.......... 17.85 16.61 15.32 16.59
Club membership dues and fees (old)............. 76.68 24.30 NA 50.49
Social, recreation, civic club membership....... NA 59.85 85.24 72.55
Fees for participant sports..................... 46.90 69.06 61.15 59.04
Participant sports, out-of-town trips........... 18.96 20.12 21.17 20.08
Movie, theater, opera, ballet................... 61.08 66.54 64.92 64.18
Movie, other admissions, out-of-town trips...... 25.91 19.72 27.20 24.28
[[Page 61356]]
Admission to sporting events.................... 19.63 20.69 22.94 21.09
Admission to sports events, out-of-town trips... 25.91 17.42 9.08 17.47
Fees for recreational lessons................... 41.23 53.57 52.76 49.19
Other entertainment services, out-of-town trips. 17.85 16.61 15.32 16.59
Television, radios, sound equipment............... 422.50 476.38 493.86 464.25
Televisions..................................... 295.95 328.75 331.31 318.67
Community antenna or cable tv................. 137.94 180.20 188.40 168.85
Black and white tv*........................... 2.84 1.81 3.06 2.57
Color tv--console............................. 23.60 18.13 21.37 21.03
Color tv--portable, table model............... 43.50 44.32 41.51 43.11
VCRs and video disc players................... 47.70 40.40 31.41 39.84
Video cassettes, tapes, and discs............. 13.44 17.60 18.88 16.64
Video game hardware and software.............. 14.88 15.04 16.25 15.39
Repair of tv, radio, and sound equipment...... 10.43 10.23 9.60 10.09
Rental of televisions......................... 1.61 1.03 0.81 1.15
Radios, sound equipment......................... 126.55 147.62 162.55 145.57
Radios*........................................... 4.84 10.24 10.71 8.60
Phonographs*...................................... 0.53 0.60 0.87 0.67
Tape recorders and players*....................... 10.50 5.75 5.32 7.19
Sound components and component systems............ 28.64 30.53 35.56 31.58
Miscellaneous sound equipment..................... 0.16 0.34 1.68 0.73
Sound equipment accessories*...................... 4.29 3.22 4.28 3.93
Compact disc, tape, record and video mail order
clubs............................................ 4.17 8.04 8.97 7.06
Records, CDs, audio tapes, needles................ 25.86 29.54 31.01 28.80
Rental of VCR, radio, and sound equipment......... 1.59 0.70 0.79 1.03
Musical instruments and accessories............... 20.58 16.03 20.45 19.02
Rental and repair of musical instruments.......... 2.12 2.42 2.11 2.22
Rental of video cassettes, tapes, films, and discs 23.27 40.22 40.79 34.76
Pets, toys, and playground equipment................ 242.26 286.11 281.46 269.94
Pets.............................................. 136.31 168.99 167.12 157.47
Pet food*....................................... 66.61 85.02 84.94 78.86
Pet purchase, supplies, medicine*............... 25.23 23.73 24.72 24.56
Pet services.................................... 10.64 16.52 13.87 13.68
Vet services.................................... 33.84 43.72 43.58 40.38
Toys, games, hobbies, and tricycles............... 102.96 112.46 112.38 109.27
Playground equipment.............................. 2.98 4.66 1.96 3.20
Other entertainment supplies, equipment, and
services........................................... 332.16 376.51 375.10 361.26
Unmotored recreational vehicles................... 24.02 14.05 33.20 23.76
Boat without motor and boat trailers............ 18.32 3.85 14.72 12.30
Trailer and other attachable campers............ 5.70 10.20 18.48 11.46
Motorized recreational vehicles................... 137.44 154.19 142.45 144.69
Motorized camper coaches and other vehicles..... 38.79 75.13 77.70 63.87
Purchase of boat with motor..................... 98.65 79.05 64.75 80.82
Rental of recreational vehicles................... 2.33 3.71 1.90 2.65
Rental noncamper trailer........................ 0.06 0.03 0.05 0.05
Boat and trailer rental, out-of-town trips...... 0.94 2.13 0.47 1.18
Rental of campers and other vehicles on out-of-
town trips (old)............................... 0.58 NA NA 0.58
Rental of campers on out-of-town trips.......... NA 0.17 0.54 0.36
Rental of other vehicles on out-of-town trips... NA 1.09 0.40 0.75
Rental of boat.................................. 0.23 0.02 0.05 0.10
Rental of campers, other r.v.'s................. 0.52 0.27 0.39 0.39
Outboard motors................................... 1.28 1.91 2.17 1.79
Docking and landing fees.......................... 5.33 4.50 5.77 5.20
Sports, recreation and exercise equipment......... 86.67 111.11 102.67 100.15
Athletic gear, game tables, and exercise
equipment...................................... 34.85 45.33 45.98 42.05
Bicycles........................................ 12.28 19.23 16.46 15.99
Camping equipment............................... 3.26 4.50 3.77 3.84
Hunting and fishing equipment................... 15.91 20.54 16.92 17.79
Winter sports equipment......................... 4.86 5.30 3.19 4.45
Water and miscellaneous sport equipment......... 13.20 14.50 14.68 14.13
Rental and repair of misc. sports equipment..... 2.31 1.70 1.68 1.90
Photographic equipment and supplies............... 69.61 81.69 81.66 77.65
Film............................................ 19.96 21.01 20.32 20.43
Other photographic supplies*.................... 0.64 1.43 0.17 0.75
Film processing................................. 25.21 28.58 27.09 26.96
Repair and rental of photographic equipment..... 0.24 0.55 0.39 0.39
Photographic equipment.......................... 15.43 14.65 13.47 14.52
Photographer fees*.............................. 8.12 15.47 20.23 14.61
Fireworks*........................................ 0.51 1.08 0.63 0.74
[[Page 61357]]
Souvenirs*........................................ 0.44 0.45 1.21 0.70
Visual goods*..................................... 0.76 1.09 0.57 0.81
Pinball, electronic video games*.................. 3.78 2.72 2.88 3.13
Personal care products and services................. 345.68 418.96 408.21 390.95
Personal care products............................ 179.05 228.19 223.41 210.22
Hair care products*............................. 40.57 45.03 42.44 42.68
Nonelectric articles for the hair*.............. 4.26 6.41 5.35 5.34
Wigs and hairpieces............................. 1.07 1.77 1.23 1.36
Oral hygiene products, articles*................ 18.16 27.93 28.07 24.72
Shaving needs*.................................. 8.49 10.65 9.46 9.53
Cosmetics, perfume, bath preparation*........... 77.63 98.28 103.29 93.07
Deodorants, feminine hygiene, misc. personal
care*.......................................... 23.52 32.28 28.78 28.19
Electric personal care appliances............... 5.35 5.85 4.80 5.33
Personal care services............................ 166.63 190.77 184.80 180.73
Personal care service for females*.............. 89.35 103.69 98.60 97.21
Personal care service for males................. 77.12 86.99 86.08 83.40
Repair of personal care appliances.............. 0.16 0.09 0.12 0.12
Reading............................................. 152.49 168.07 165.57 162.04
Newspapers........................................ 63.99 70.41 70.60 68.33
Magazines......................................... 38.92 39.74 38.78 39.15
Newsletters*...................................... 0.04 0.27 0.67 0.33
Books thru book clubs............................. 10.63 12.22 10.56 11.14
Books not thru book clubs......................... 35.24 40.22 41.38 38.95
Encyclopedia and other sets of reference books.... 3.67 5.21 3.58 4.15
Education........................................... 324.43 433.88 423.79 394.03
College tuition................................... 176.75 230.54 237.86 215.05
Elementary and high school tuition................ 53.20 65.77 69.99 62.99
Other schools tuition............................. 15.29 39.08 16.39 23.59
Other school expenses including rentals........... 15.78 17.66 18.40 17.28
School books, supplies, equipment for college..... 26.56 37.22 36.94 33.57
School books, supplies, equipment for elementary
high school...................................... 6.23 6.41 6.89 6.51
School books, supplies, equipment for day care,
nursery, other................................... 2.52 3.11 3.64 3.09
School supplies, etc.--unspecified*............... 28.10 34.10 33.67 31.96
Tobacco products and smoking supplies............... 242.33 277.79 278.59 266.24
Cigarettes........................................ 224.61 255.97 256.67 245.75
Other tobacco products............................ 15.28 18.68 19.51 17.82
Smoking accessories*.............................. 2.44 3.14 2.41 2.66
Miscellaneous....................................... 597.58 877.79 794.63 756.67
Miscellaneous fees, pari-mutuel losses*........... 38.61 48.28 60.93 49.27
Legal fees........................................ 104.50 80.65 88.62 91.26
Funeral expenses.................................. 49.32 54.07 51.73 51.71
Safe deposit box rental........................... 5.69 6.18 5.88 5.92
Checking accounts, other bank service charges..... 25.19 25.63 26.45 25.76
Cemetery lots, vaults, maintenance fees........... 17.66 15.42 16.64 16.57
Accounting fees................................... 39.87 46.16 47.58 44.54
Miscellaneous personal services*.................. 23.02 32.25 41.90 32.39
Finance charges excluding mortgage and vehicle.... 203.45 253.58 227.00 228.01
Occupational expenses............................. 90.26 99.47 109.07 99.60
Expenses for other properties..................... NA 207.48 110.86 159.17
Interest paid, home equity line of credit (other
property)........................................ NA 1.77 0.80 1.29
Credit card memberships........................... NA 6.86 7.17 7.02
Cash contributions.................................. 730.19 1,040.14 1,020.99 930.44
Cash contributions to non-CU memb., incl. stud.,
alim., and child sup............................. 179.06 277.71 240.72 232.50
Gifts of cash, stocks and bonds to non-CU members. 149.99 219.98 249.31 206.43
Contributions to charity.......................... 69.16 97.36 105.65 90.72
Contributions to church........................... 295.54 407.43 378.37 360.45
Contributions to educational organizations........ 17.97 21.71 31.50 23.73
Contributions to political organizations.......... 7.29 7.64 7.22 7.38
Other contributions............................... 11.18 8.31 8.21 9.23
Personal insurance and pensions..................... 2,532.36 3,141.56 3,083.40 2,919.11
Life and other personal insurance................... 324.17 353.85 354.24 344.09
Life, endowment, annuity, other personal insurance 312.04 340.55 342.74 331.78
Other nonhealth insurance......................... 12.13 13.30 11.50 12.31
Pensions and Social Security........................ 2,208.19 2,787.71 2,729.16 2,575.02
Deductions for government retirement.............. 65.36 80.17 77.00 74.18
Deductions for railroad retirement................ 6.23 4.55 3.03 4.60
Deductions for private pensions................... 156.10 268.34 264.82 229.75
Non-payroll deposit to retirement plans........... 297.28 334.61 337.62 323.17
[[Page 61358]]
Deductions for Social Security.................... 1,683.21 2,100.03 2,046.70 1,943.31
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.
Source: Bureau of Labor Statistics.
Appendix 4.--Consumer Expenditure Surveys
[Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
$10,000 $15,000 $20,000 $30,000 $40,000
to to to to to $50,000
$14,999 $19,000 $29,000 $39,000 $49,999 and over
----------------------------------------------------------------------------------------------------------------
Average income before taxes:
1988...................................... $12,320 $17,373 $24,591 $34,375 $44,331 $74,234
1991...................................... 12,430 17,301 24,816 34,402 44,548 79,902
1992...................................... 12,437 17,420 24,560 34,439 44,442 81,602
Average................................. 12,369 17,365 24,656 34,405 44,440 78,579
Goods and services:
1988...................................... 6,597.54 7,756.96 9,611.82 12,243.04 14,412.54 19,712.67
1991...................................... 7,262.65 8,319.82 9,715.90 13,134.61 14,944.06 21,598.60
1992...................................... 6,735.63 8,878.05 10,200.76 12,021.89 15,600.83 20,967.28
Average................................. 6,865.27 8,318.28 9,842.83 12,466.51 14,985.81 20,759.52
Food at home:
1988...................................... 1,809.23 1,954.49 2,174.01 2,556.74 2,906.55 3,109.86
1991...................................... 2,267.82 2,379.01 2,517.57 2,959.22 3,321.94 3,841.29
1992...................................... 2,060.61 2,473.08 2,558.40 2,785.24 3,265.99 3,799.25
Average................................. 2,945.89 2,268.86 2,416.66 2,767.07 3,164.83 3,583.47
Food away from home:
1988...................................... 968.10 1,240.03 1,591.02 2,030.75 2,375.06 3,186.24
1991...................................... 945.30 1,084.27 1,316.78 1,803.69 2,316.13 3,113.47
1992...................................... 841.79 1,201.22 1,405.80 1,771.87 2,354.17 3,131.93
Average................................. 918.40 1,175.17 1,437.87 1,868.77 2,348.45 3,143.88
Alcohol:
1988...................................... 182.87 235.22 290.56 343.77 352.96 506.47
1991...................................... 140.42 248.53 270.50 389.51 404.39 563.87
1992...................................... 200.85 223.45 324.37 313.65 374.96 590.09
Average................................. 174.71 235.73 295.14 348.98 377.44 553.48
Domestic services:
1988...................................... 82.78 119.28 166.06 275.08 311.41 321.27
1991...................................... 170.38 109.83 171.63 229.79 273.86 469.21
1992...................................... 151.62 129.29 147.99 222.40 398.61 559.53
Average................................. 134.93 119.47 161.89 242.42 327.96 450.00
Furnishings & household operations:
1988...................................... 956.43 1,145.52 1,509.87 2,010.78 2,306.76 3,895.22
1991...................................... 1,009.62 1,125.48 1,466.95 2,104.83 2,361.30 3,924.40
1992...................................... 970.65 1,370.53 1,587.26 1,932.32 2,427.52 3,651.88
Average................................. 978.90 1,213.84 1,521.36 2,015.98 2,365.19 3,823.83
Clothing:
1988...................................... 886.12 1,085.66 1,406.15 1,847.24 2,396.00 3,154.03
1991...................................... 1,093.80 1,178.28 1,325.86 1,951.82 2,186.30 3,520.50
1992...................................... 889.14 1,093.68 1,563.66 1,603.41 2,267.24 3,394.31
Average................................. 956.35 1,119.21 1,431.89 1,800.82 2,283.18 3,356.28
Recreation:
1988...................................... 895.72 969.87 1,333.46 1,695.89 2,224.56 3,435.75
1991...................................... 723.92 980.12 1,270.25 1,908.30 2,058.64 3,485.92
1992...................................... 755.24 1,146.23 1,302.99 1,726.85 2,558.20 3,374.39
Average................................. 791.63 1,032.07 1,302.23 1,777.01 2,280.47 3,432.02
Personal Care:
1988...................................... 249.04 282.21 324.70 420.30 478.79 651.43
1991...................................... 288.37 304.89 364.44 450.76 527.30 722.72
1992...................................... 229.68 340.56 376.85 405.19 528.27 702.54
Average................................. 255.70 309.22 355.33 425.42 511.45 692.23
Tobacco:
1988...................................... 221.48 250.05 262.82 292.87 249.43 270.28
1991...................................... 257.39 306.61 291.80 323.27 355.15 293.08
1992...................................... 242.99 287.66 296.57 321.75 321.76 300.33
[[Page 61359]]
Average................................. 240.62 281.44 283.73 312.63 308.78 287.90
Professional Services:
1988...................................... 345.77 474.63 553.17 769.62 811.02 1,182.12
1991...................................... 365.63 602.80 720.12 1,013.42 1,139.05 1,664.14
1992...................................... 393.06 612.35 636.87 939.21 1,104.11 1,463.01
Average................................. 368.15 563.26 636.72 907.42 1,018.06 1,436.42
Housing:
1988...................................... 4,455.88 4,682.00 5,835.92 6,974.54 7,990.62 11,502.63
1991...................................... 4,700.82 5,318.86 6,091.15 7,384.48 8,488.72 12,253.50
1992...................................... 5,063.74 5,566.03 6,434.77 7,383.31 9,071.67 12,721.51
Average................................. 4,740.15 5,188.96 6,120.61 7,247.44 8,517.00 12,159.21
Transportation:
1988...................................... 3,127.01 3,840.91 5,302.92 6,704.50 7,779.21 9,714.71
1991...................................... 3,130.14 3,362.28 4,700.00 5,872.44 7,226.89 9,442.91
1992...................................... 2,853.92 3,398.88 4,904.01 5,824.45 7,113.95 9,664.47
Average................................. 3,037.02 3,534.02 4,969.31 6,133.80 7,373.35 9,607.36
Private transportation:
1988...................................... 2,949.99 3,657.04 5,020.99 6,314.44 7,333.94 8,884.42
1991...................................... 2,952.36 3,118.89 4,434.71 5,473.96 6,809.12 8,535.49
1992...................................... 2,704.31 3,171.96 4,570.31 5,504.80 6,638.47 8,663.84
Average................................. 2,868.89 3,315.96 4,675.34 5,764.40 6,927.18 8,694.58
Air fares and other transportation expenses:
1988...................................... 177.02 183.87 281.93 390.06 445.27 830.29
1991...................................... 177.78 243.39 265.29 398.48 417.77 907.42
1992...................................... 149.61 226.92 334.70 319.65 475.48 1,000.63
Average................................. 168.14 218.06 293.97 369.40 446.17 912.78
Miscellaneous:
1988...................................... 2,421.18 3,159.62 3,955.36 5,414.71 7,030.39 10,544.42
1991...................................... 2,831.11 3,165.50 4,318.05 5,771.11 7,086.75 12,656.03
1992...................................... 2,530.29 3,280.40 4,349.33 5,801.25 7,754.49 12,924.24
Average................................. 2,594.19 3,201.84 4,207.58 5,662.36 7,290.54 12,044.90
Health care:
1988...................................... 1,385.50 1,299.71 1,328.49 1,367.25 1,531.77 1,568.44
1991...................................... 1,350.11 1,422.83 1,559.13 1,612.87 1,690.72 2,137.27
1992...................................... 1,409.04 1,652.24 1,647.83 1,711.96 1,953.77 2,262.82
Average................................. 1,381.55 1,458.26 1,511.82 1,564.03 1,725.42 1,989.51
Cash contributions:
1988...................................... 352.83 486.72 529.28 781.16 956.30 2,102.92
1991...................................... 764.72 647.89 728.00 863.26 986.19 2,418.40
1992...................................... 509.71 515.63 688.17 834.21 1,424.12 2,515.30
Average................................. 542.42 550.08 648.48 826.21 1,122.20 2,345.54
Personal insurance:
1988...................................... 682.85 1,373.19 2,097.59 3,266.30 4,542.32 6,883.06
1991...................................... 716.28 1,094.78 2,030.92 3,294.98 4,409.84 8,100.36
1992...................................... 611.54 1,112.53 2,013.33 3,255.08 4,376.60 8,146.12
Average................................. 670.22 1,193.50 2,047.28 3,272.12 4,442.92 7,709.85
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.
Source: Bureau of Labor Statistics.
Appendix 5.--Item 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.
[[Page 61360]]
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 fluid oz.),
2%. Lowest priced
store brand.
Cheddar Cheese................................ Price for 10 oz.
package.
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 20 oz.
package of Nabisco
Oreo Cookies.
Frozen Waffles................................ Price Kellogg's Eggo
Waffles, price 12
waffle package.
Hamburger Buns................................ Price for 12 oz.
(340 grams) 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
Hostess chocolate
covered 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 fluid
oz. (makes 48 fluid
oz.) can of Minute
Maid frozen orange
juice concentrate.
Tomato Juice.................................. Price for 46 fluid
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 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
navel 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 fluid
oz. can.
1st choice: Hawaiian
Punch.
2nd choice: HI-C
regular.
Soft Drink.................................... Price for 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.
[[Page 61361]]
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 fluid
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 grams) Swanson-
Turkey, whipped
potatoes, peas, and
fruit compote,
frozen dinner.
Jello Gelatin................................. Price for 3 oz. box
of Jello Gelatin
desert.
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
fluid 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 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.
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
digital clock and
heating probe for
Maytagoven Model
#CRE9400ACL, Serial
#1000100HB, Series
#10. Include hourly
rate, trip charge
and parts cost.
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)--Sanitiz
e walls, floor,
counter tops,
bathtub, stool.
Kitchen--Sanitize
walls, floor,
counter tops,
cabinets,
appliances.
Living Room & Dining
Room--Dust, polish
furniture and
vaccum.
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 fluid
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 a
minimum design.
Bath Towel.................................... Price for a 2750
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 or English
dovetail joints and
dust plate.
[[Page 61362]]
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,
8 wash cycles, 4
water levels, white
porcelain tub, self-
clean lint filter,
fabric softener
dispenser and 2
speed combinations.
1st choice: Maytag
Model #LAT9604.
2nd choice: General
Electric Model
#WWA8600.
3rd choice:
Whirlpool Model
#LLR6233B.
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,
self-cleaning oven
with two oven racks
and a porcelain
enamel broiler pan.
1st choice: Maytag
Model #CRE9400.
2nd choice: General
Electric Model
#JBP55GS.
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
#ET22PKXB.
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 #U4671-930.
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 for 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.
[[Page 61363]]
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-sleve
dress appropriate
for school. Exclude
extra
ornamentation. For
girls ages 8
through 10 (size 7-
14).
Possible brand:
Carter's.
Girl's Jeans.................................. Price of Levi's #550
jean. For girls
ages 8 through 10
years (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 years
(size 7-14).
Possible brand: 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 40 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, Johnston
and Murphy.
Woman's Shoes................................. Price for woman's
pump style shoes
with encolsed 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
teenage
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 Dry............... ``Regular service''
price for a woman's
cut and styled blow
dry. Include 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: Super
Lustrous.
2nd choice:
Moondrops.
Shampoo....................................... Price for 15 fluid
oz. bottle of
Revlon Flex shampoo
for normal hair.
Recreation:
Bowling....................................... Price for 1 game of
open (or 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 #VRm4120.
2nd choice: Sony
Model #SLV720HF.
Compact Disc.................................. Regular price for a
current best-
selling CD. Not
sale price. Do not
price double CD.
Example: VS. by
Pearl Jam, Purple
by Stone Temple
Pilots.
Please record title
in comment section.
Compact Disc 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 #CDPC545.
2nd choice:
Panasonic-Technics
Model #SLPD867.
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 #SM52049.
2nd choice: Sony
Model #KV20TS29.
Basic Cable Service........................... Price for one month
of basic cable
channel TV. Do not
include hookup
charges or premium
channels.
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 for 5.5 oz.
can of cat food.
[[Page 61364]]
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 teeth................ Charge for x-rays,
exam and
prophylaxis (light
scaling and
polishing) or
``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............................. Price a 5.5 ounce
plastic tube of
latex white
bathroom caulking.
This is not a caulk
gun cartridge.
Possible Brand: DAP
Kwik Seal Tub &
Tile.
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'
x 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, Gildden.
Pest Control.................................. Price for basic pest
control maintenance
(one visit to
control crawling
insects, not wood
eating), based on
the inside of a
1,200 sq. ft.
single story home.
Price followup
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.
[[Page 61365]]
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 community
surveyed based on
income level,
secure the annual
renewal premium for
HO-2 type coverage.
If the company does
not refer to the
coverage as HO-2
obtain the cost for
a comprehensive
coverage that
covers ``all risk
for dwelling and
named peril for
contents'' with
contents at
replacement value.
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...................................... 1994 Honda Civic DX
four door sedan,
1.5 Liter 4
Cylinder.
1994 Ford Taurus GL
four door sedan,
3.0 Liter 6
Cylinder.
1994 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
valve, 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 Fluid........... For each vehicle,
price to change
automatic
transmission fluid.
Include parts and
labor for the
following: remove
transmission pan,
drain transmission
fluid, replace
transmission
filter, replace
transmission pan
gasket, replace
transmission fluid,
and test vehicle.
[[Page 61366]]
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 mid
pipes, clamps,
muffler, and tail
pipes.
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/
70R15 for the Ford
Taurus L. Price a
P235/R15 for the
Chevrolet S10
Blazer in DC area.
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 down
payment 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.
Comprehensive, $100
Deductible.
Collision, $250
Deductible.
Round-Trip Airfare............................ Price for lowest
cost round trip
ticket to Los
Angeles, CA.
Disregard
restrictions.
------------------------------------------------------------------------
Appendix 6.--Pricing Changes
[Foods and Services/Miscellaneous Expenses/Housing Related]
------------------------------------------------------------------------
Previous Current Reason
------------------------------------------------------------------------
1. Cheddar Cheese:
Per pound............... 10 oz. package...... New packaging.
2. Donuts:
12 glazed............... 10 chocolate covered Discontinued.
3. Appliance Repair:
Price to replace oven Price to replace More comparable
thermostat control for digital clock and item.
Maytag Model #CRE9400. heating probe for
Include hourly rate, Maytag Model
trip charge, and parts #CRE9400ACL, Serial
cost. Part Number #1000100HB, Series
#7430P010-60. #10. Include hourly
rate, trip charge,
and parts cost..
4. Washing Machine:
3 wash cycles........... 8 wash cycles....... Better description.
Maytag #LAT7793......... Maytag #LAT9604..... New model number.
General Electric General Electric New model Number.
#WWA7600R. #WWA8600.
Whirlpool #LLR6233A..... Whirlpool #LLR6233B. New model number.
5. Kitchen Range:
General Electric General Electric Model number
#JBP5565. #JBP55GS. clarification.
6. Refrigerator:
Whirlpool #ET22RKXZ..... Whirlpool #ET22RKXB. New model number.
7. Vacuum:
Hoover #U4671-910....... Hoover #U4671-930... New model number.
8. Girl's Jeans:
Price of Levi's #902 Price of Levi's Discontinued.
basic relaxed taper #550..
jean, two back pockets
and two front pockets.
9. Disposable Diapers:
44 count................ 40 count............ Product marketing
change.
10. Video Recorder:
Zenith #VRL4110......... Zenith #VRM4120..... New model number.
Sony #SLV700HF.......... Sony #SLV720HF...... New model number.
11. Compact Disc:
``Janet'' by Janet ``VS.'' by Pearl Jam Current bestselling
Jackson. titles.
``Unplugged'' by Rod ``Purple'' by Stone
Stewart. Temple Pilots.
12. Compact Disc Player:
Sony #CDPC535........... Sony #CDPC545....... New model number.
Panisonic-Technics Panisonic-Technics New model number.
#SLPD847. #SLPS867.
13. Color Television:
Zenith #SLS2049......... Zenith #SMS2049..... New model number.
14. Bathroom Caulking:
[[Page 61367]]
Price an 8 ounce tube of Price a 5.5 ounce New Size and more
specific white bathroom plastic tube of description.
caulking, most popular latex white
brand. bathroom caulking.
(Not a caulk gun
cartridge.)
Suggested brand:
DAP KWIK SEAL Tub &
Tile.
15. Interior Painting:
Obtain labor rate, per Flat charge for More specific
hour, flat charge, if painting standard discription.
any, and estimated time living room. If
to complete the job. flat fee
unavailable, obtain
hourly rate and the
total hours
necessary to
complete job.
------------------------------------------------------------------------
Appendix 7--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 representative, 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 suggestions for reducing this burden to
Reports and Forms Management Officer, U.S. Office of Personnel
Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415;
and to the Office of Management and Budget, Paperwork Reduction
Project (3206-0199), Washington, DC 20503.
Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection
Procedures
Interview Guidelines
Three types of information are collected in Price surveys: Price
of goods and services, rental rates and related information, and
home 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 Civil 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:
Woman's Haircut and Styling.
``Regular service'' price for a woman's cut and style blow dry.
Include wash, but do not include use of curling iron if there is an
extra charge.
Unclog Drain.
Price to unclog kitchen drain by mechanical means (snake, auger,
etc.). Only include pipe removal of necessary to access trap.
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 your recent home sales.
[[Page 61368]]
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-U-M
[[Page 61369]]
[GRAPHIC][TIFF OMITTED]TN29NO95.000
[[Page 61370]]
[GRAPHIC][TIFF OMITTED]TN29NO95.001
[[Page 61371]]
[GRAPHIC][TIFF OMITTED]TN29NO95.002
[[Page 61372]]
[GRAPHIC][TIFF OMITTED]TN29NO95.003
BILLING CODE 6325-01-C
[[Page 61373]]
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 suggestions for reducing this
burden to Reports and Forms Management Officer, U.S. Office of
Personnel Management, 1900 E Street, NW., Room CHP 500, Washington,
DC, 20415; and to the Office of Management and Budget, Paperwork
Reduction Project (3206-0199), Washington, DC, 20503.
Nonforeign Area Cost-of-Living Allowances Background Survey Data
Collection Procedures
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 and 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 location?
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 these 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,
[[Page 61374]]
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, other?
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-U-M
[[Page 61375]]
[GRAPHIC][TIFF OMITTED]TN29NO95.004
BILLING CODE 6325-01-U-M
[[Page 61376]]
Appendix 8.--Consumption Goods and Services Analysis
[Location: Honolulu, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 138.56 26.40 36.59 23.49 32.55 20.65 28.61
2. Food Away From Home...................................... 109.22 14.42 15.75 14.73 16.09 15.04 16.42
3. Tobacco.................................................. 106.01 3.15 3.34 2.59 2.75 2.05 2.17
4. Alcohol.................................................. 109.81 2.77 3.04 2.73 3.00 2.69 2.95
5. Furnishings and Household Operations..................... 114.96 14.71 16.91 15.79 18.15 16.85 19.37
6. Clothing................................................. 104.13 13.97 14.55 14.65 15.25 15.30 15.94
7. Domestic Services........................................ 99.58 1.76 1.75 1.90 1.89 2.04 2.03
8. Professional Services.................................... 113.85 6.48 7.37 6.65 7.57 6.82 7.77
9. Personal Care............................................ 110.26 3.62 3.99 3.52 3.89 3.43 3.78
10. Recreation............................................... 102.47 12.72 13.04 13.94 14.29 15.14 15.51
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 116.33 ........... ........... ........... ...........
Middle:................................................ ........... ........... ........... ........... 115.43 ........... ...........
Upper:................................................. ........... ........... ........... ........... ........... ........... 114.55
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Hilo, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 135.04 26.40 35.66 23.49 31.73 20.65 27.88
2. Food Away From Home...................................... 113.98 14.42 16.44 14.73 16.79 15.04 17.14
3. Tobacco.................................................. 103.76 3.15 3.27 2.59 2.69 2.05 2.13
4. Alcohol.................................................. 102.46 2.77 2.84 2.73 2.80 2.69 2.76
5. Furnishings and Household Operations..................... 118.21 14.71 17.39 15.79 18.66 16.85 19.91
6. Clothing................................................. 97.91 13.97 13.68 14.65 14.34 15.30 14.98
7. Domestic Services........................................ 69.62 1.76 1.22 1.90 1.32 2.04 1.42
8. Professional Services.................................... 104.03 6.48 6.74 6.65 6.92 6.82 7.10
9. Personal Care............................................ 112.19 3.62 4.06 3.52 3.95 3.43 3.85
10. Recreation............................................... 109.91 12.72 13.98 13.94 15.33 15.14 16.64
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 115.28 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 114.53 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 113.81
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Kailua Kona, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 133.51 26.40 35.25 23.49 31.37 20.65 27.56
2. Food Away From Home...................................... 124.38 14.42 17.94 14.73 18.32 15.04 18.70
3. Tobacco.................................................. 100.94 3.15 3.18 2.59 2.62 2.05 2.07
4. Alcohol.................................................. 112.56 2.77 3.11 2.73 3.07 2.69 3.03
5. Furnishings and Household Operations..................... 108.09 14.71 15.90 15.79 17.07 16.85 18.21
6. Clothing................................................. 103.52 13.97 14.46 14.65 15.16 15.30 15.84
7. Domestic Services........................................ 97.88 1.76 1.72 1.90 1.86 2.04 1.99
8. Professional Services.................................... 104.48 6.48 6.77 6.65 6.95 6.82 7.13
9. Personal Care............................................ 113.86 3.62 4.12 3.52 4.01 3.43 3.90
10. Recreation............................................... 107.02 12.72 13.62 13.94 14.92 15.14 16.20
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.0 ...........
------------------------------------------------------------------------------------------
[[Page 61377]]
Total Indexes:
Lower.................................................. ........... ........... 116.07 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 115.35 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 114.63
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Hawaii County Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total indexes
--------------------------------------
Location Weights Lower Middle Upper
income income income
----------------------------------------------------------------------------------------------------------------
Hilo, HI.................................................... 83.17 115.28 114.53 113.81
Kailua Kona, HI............................................. 16.83 116.07 115.35 114.63
---------------------------------------------------
Total Weight............................................ 100.00 ........... ........... ...........
---------------------------------------------------
Composite Indexes....................................... ........... 115.41 114.67 113.95
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Kauai County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 146.40 26.40 38.66 23.49 34.39 20.65 30.22
2. Food Away From Home...................................... 112.38 14.42 16.21 14.73 16.56 15.04 16.90
3. Tobacco.................................................. 108.60 3.15 3.42 2.59 2.81 2.05 2.22
4. Alcohol.................................................. 106.68 2.77 2.95 2.73 2.91 2.69 2.87
5. Furnishings and Household Operations..................... 108.87 14.71 16.01 15.79 17.19 16.85 18.34
6. Clothing................................................. 101.99 13.97 14.25 14.65 14.94 15.30 15.61
7. Domestic Services........................................ 81.30 1.76 1.43 1.90 1.54 2.04 1.66
8. Professional Services.................................... 108.00 6.48 7.00 6.65 7.18 6.82 7.37
9. Personal Care............................................ 113.98 3.62 4.13 3.52 4.02 3.43 3.91
10. Recreation............................................... 118.84 12.72 15.12 13.94 16.57 15.14 17.99
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 119.18 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 118.11 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 117.09
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Maui County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 141.63 26.40 37.40 23.49 33.27 20.65 29.24
2. Food Away From Home...................................... 121.22 14.42 17.48 14.73 17.86 15.04 18.23
3. Tobacco.................................................. 107.83 3.15 3.39 2.59 2.79 2.05 2.21
4. Alcohol.................................................. 110.66 2.77 3.06 2.73 3.02 2.69 2.98
5. Furnishings and Household Operations..................... 122.95 14.71 18.08 15.79 19.41 16.85 20.71
6. Clothing................................................. 102.60 13.97 14.34 14.65 15.03 15.30 15.70
7. Domestic Services........................................ 80.12 1.76 1.41 1.90 1.52 2.04 1.63
8. Professional Services.................................... 108.08 6.48 7.00 6.65 7.19 6.82 7.38
9. Personal Care............................................ 119.17 3.62 4.32 3.52 4.20 3.43 4.09
10. Recreation............................................... 108.14 12.72 13.76 13.94 15.08 15.14 16.37
------------------------------------------------------------------------------------------
[[Page 61378]]
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 120.24 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 119.37 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 118.54
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Guam; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 125.92 26.40 33.25 23.49 29.58 20.65 26.00
2. Food Away From Home...................................... 109.05 14.42 15.73 14.73 16.07 15.04 16.40
3. Tobacco.................................................. 72.53 3.15 2.28 2.59 1.88 2.05 1.49
4. Alcohol.................................................. 103.82 2.77 2.87 2.73 2.83 2.69 2.79
5. Furnishings and Household Operations..................... 138.20 14.71 20.33 15.79 21.82 16.85 23.28
6. Clothing................................................. 96.01 13.97 13.42 14.65 14.06 15.30 14.69
7. Domestic Services........................................ 118.50 1.76 2.08 1.90 2.25 2.04 2.41
8. Professional Services.................................... 95.77 6.48 6.20 6.65 6.37 6.82 6.54
9. Personal Care............................................ 121.82 3.62 4.41 3.52 4.29 3.43 4.18
10. Recreation............................................... 121.10 12.72 15.41 13.94 16.89 15.14 18.33
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 115.98 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 116.04 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 116.11
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Mayaguez, PR; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 104.58 26.40 27.61 23.49 24.57 20.65 21.59
2. Food Away From Home...................................... 88.23 14.42 12.72 14.73 13.00 15.04 13.27
3. Tobacco.................................................. 107.39 3.15 3.38 2.59 2.78 2.05 2.20
4. Alcohol.................................................. 108.70 2.77 3.01 2.73 2.97 2.69 2.92
5. Furnishing and Household Operations...................... 99.71 14.71 14.66 15.79 15.74 16.85 16.80
6. Clothing................................................. 98.09 13.97 13.71 14.65 14.37 15.30 15.01
7. Domestic Services........................................ 58.95 1.76 1.04 1.90 1.12 2.04 1.20
8. Professional Services.................................... 56.14 6.48 3.64 6.65 3.73 6.82 3.83
9. Personal Care............................................ 71.78 3.62 2.60 3.52 2.53 3.43 2.46
10. Recreation............................................... 86.69 12.72 11.03 13.94 12.09 15.14 13.12
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 93.40 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 92.90 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 92.40
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: San Juan, PR; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 101.08 26.40 26.69 23.49 23.75 20.65 20.87
[[Page 61379]]
2. Food Away From Home...................................... 108.86 14.42 15.70 14.73 16.04 15.04 16.37
3. Tobacco.................................................. 110.75 3.15 3.49 2.59 2.87 2.05 2.27
4. Alcohol.................................................. 118.45 2.77 3.28 2.73 3.23 2.69 3.19
5. Furnishings and Household Operations..................... 105.12 14.71 15.46 15.79 16.60 16.85 17.71
6. Clothing................................................. 107.85 13.97 15.07 14.65 15.80 15.30 16.50
7. Domestic Services........................................ 62.32 1.76 1.10 1.90 1.18 2.04 1.27
8. Professional Services.................................... 78.84 6.48 5.11 6.65 5.24 6.82 5.38
9. Personal Care............................................ 96.36 3.62 3.49 3.52 3.40 3.43 3.30
10. Recreation............................................... 107.75 12.72 13.71 13.94 15.03 15.14 16.31
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 103.10 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 103.14 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 103.17
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Puerto Rico Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total indexes
--------------------------------------
Location Weights Lower Middle Upper
income income income
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................ 88.90 103.10 103.14 103.17
Mayaguez, PR................................................ 11.10 93.40 92.90 92.40
---------------------------------------------------
Total Weight............................................ 100.00 ........... ........... ...........
---------------------------------------------------
Composite Indexes....................................... ........... 102.02 102.00 101.97
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: St. Croix, VI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 121.97 26.40 32.20 23.49 28.65 20.65 25.18
2. Food Away From Home...................................... 107.78 14.42 15.54 14.73 15.88 15.04 16.21
3. Tobacco.................................................. 68.53 3.15 2.16 2.59 1.78 2.05 1.40
4. Alcohol.................................................. 100.33 2.77 2.78 2.73 2.74 2.69 2.70
5. Furnishings & Household Operations....................... 120.56 14.71 17.73 15.79 19.03 16.85 20.31
6. Clothing................................................. 81.43 13.97 11.38 14.65 11.93 15.30 12.46
7. Domestic Services........................................ 60.82 1.76 1.07 1.90 1.15 2.04 1.24
8. Professional Services.................................... 88.93 6.48 5.76 6.65 5.92 6.82 6.07
9. Personal Care............................................ 98.88 3.62 3.58 3.52 3.49 3.43 3.39
10. Recreation............................................... 101.11 12.72 12.86 13.94 14.10 15.14 15.31
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 105.06 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 104.67 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 104.27
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: St. Thomas; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 117.46 26.40 31.01 23.49 27.60 20.65 24.25
[[Page 61380]]
2. Food Away From Home...................................... 110.01 14.42 15.86 14.73 16.21 15.04 16.54
3. Tobacco.................................................. 60.96 3.15 1.92 2.59 1.58 2.05 1.25
4. Alcohol.................................................. 112.02 2.77 3.10 2.73 3.06 2.69 3.01
5. Furnishings & Household Operations....................... 118.29 14.71 17.40 15.79 18.68 16.85 19.93
6. Clothing................................................. 84.70 13.97 11.83 14.65 12.40 15.30 12.96
7. Domestic Services........................................ 81.95 1.76 1.44 1.90 1.56 2.04 1.67
8. Professional Services.................................... 118.25 6.48 7.66 6.65 7.87 6.82 8.07
9. Personal Care............................................ 113.47 3.62 4.11 3.52 4.00 3.43 3.89
10. Recreation............................................... 109.28 12.72 13.90 13.94 15.24 15.14 16.54
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 108.23 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 108.20 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 108.11
--------------------------------------------------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Cost Analysis
[Virgin Islands Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total indexes
--------------------------------------
Location Weights Lower Middle Upper
income income income
----------------------------------------------------------------------------------------------------------------
St. Croix, VI............................................... 45.09 105.06 104.67 104.27
St. Thomas, VI.............................................. 54.91 108.23 108.20 108.11
---------------------------------------------------
Total Weights........................................... 100.00 ........... ........... ...........
---------------------------------------------------
Composite Indexes....................................... ........... 106.80 106.61 106.38
----------------------------------------------------------------------------------------------------------------
Consumption Goods and Services Analysis
[Location: Guam Blend*; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home............................................. 87.95 26.40 23.22 23.49 20.66 20.65 18.16
2. Food Away From Home...................................... 109.05 14.42 15.73 14.73 16.07 15.04 16.40
3. Tobacco.................................................. 51.99 3.15 1.64 2.59 1.35 2.05 1.06
4. Alcohol.................................................. 103.82 2.77 2.87 2.73 2.83 2.69 2.79
5. Furnishings and Household Operations..................... 120.01 14.71 17.65 15.79 18.95 16.85 20.22
6. Clothing................................................. 89.49 13.97 12.50 14.65 13.11 15.30 13.70
7. Domestic Services........................................ 118.50 1.76 2.08 1.90 2.25 2.04 2.41
8. Professional Services.................................... 95.77 6.48 6.20 6.65 6.37 6.82 6.54
9. Personal Care............................................ 110.89 3.62 4.02 3.52 3.91 3.43 3.80
10. Recreation............................................... 110.43 12.72 14.05 13.94 15.40 15.14 16.72
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total Indexes:
Lower.................................................. ........... ........... 99.96 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... 100.90 ........... ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 101.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange
Appendix 9.--OPM Living Community List
----------------------------------------------------------------------------------------------------------------
Low Middle High
----------------------------------------------------------------------------------------------------------------
Washington DC DC:
Homeowner........................ Southeast DC........... Northeast DC........... Northwest DC.*
[[Page 61381]]
Renter........................... Southeast DC........... Northeast DC........... Northwest DC.*
----------------------------------------------------------------------------------------------------------------
*Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park, and Adams Morgan.
================================================================================================================
Washington DC MD:
Homeowner........................ Capitol Heights/....... Gaithersburg/.......... Rockville.
Suitland............... Silver Spring..........
Renter........................... Capitol Heights/....... Hyattsville/........... Rockville.
Suitland............... College Park...........
Washington DC VA:
Homeowner........................ Woodbridge/............ Springfield............ Alexandria.
Dale City*............. .....................
Renter........................... Woodbridge............. Alexandria............. Arlington.
Honolulu:
Homeowner........................ Ewa Beach.............. Kaneohe................ Manoa/Kaimuki
Waipahu................ Pearl City............. Kailua*.
Renter........................... Pearl Harbor Area*..... Alakea................. Manoa.
Kalihi................. Kaneohe................ Aiea.
----------------------------------------------------------------------------------------------------------------
*Pearl Harbor Area excludes Aiea.
================================================================================================================
Hawaii County--Hilo:
Homeowner........................ Hilo................... Hilo................... Hilo.
Renter........................... Hilo................... Hilo................... Hilo.
Hawaii County--Kailua Kona:
Homeowner........................ Kailua Kona............ Kailua Kona............ Kailua Kona.
Renter........................... Kailua Kona............ Kailua Kona............ Kailua Kona.
Kauai:
Homeowner........................ Kauai.................. Kauai.................. Kauai.
Renter........................... Kauai.................. Kauai.................. Kauai.
Maui:
Homeowner........................ Maui................... Maui................... Maui.
Renter........................... Maui................... Maui................... Maui.
Guam:
Homeowner........................ Guam................... Guam................... Guam.
Renter........................... Guam................... Guam................... Guam.
Puerto Rico--Mayaguez:
Homeowner........................ Mayaguez............... Mayaguez............... Mayaguez.
Renter........................... Mayaguez............... Mayaguez............... Mayaguez.
Puerto Rico--San Juan:
Homeowner........................ Carolina............... Rio Piedras*........... Guaynabo.
Bayamon................ VA Hospital Area....... Hato Rey.
Renter........................... Carolina............... Rio Piedras............ Old San Juan.
Rio Piedras Area....... Isla Verde**........... Condado.
----------------------------------------------------------------------------------------------------------------
*Rio Piedras excludes VA Hospital Area. **Isla Verde excludes the area on the Boulevard.
================================================================================================================
St. Croix:
Homeowner........................ St. Croix.............. St. Croix.............. St. Croix.
Renter........................... St. Croix.............. St. Croix.............. St. Croix.
St. Thomas:
Homeowner........................ St. Thomas............. St. Thomas............. St. Thomas.
Renter........................... St. Thomas............. St. Thomas............. St. Thomas.
----------------------------------------------------------------------------------------------------------------
Appendix 10.--Historical Home Market Values and Interest Rates
----------------------------------------------------------------------------------------------------------------
Interest
Area Year rate Income level Market Annual P &
(percent) value I*
----------------------------------------------------------------------------------------------------------------
Honolulu, HI......................... 1985 10.250 Lower................ 86,657 7,455
Middle............... 110,500 9,506
Upper................ 118,220 10,170
1986 10.250 Lower................ 97,229 8,364
Middle............... 134,257 11,550
Upper................ 154,513 13,292
1987 10.375 Lower................ 107,837 9,373
Middle............... 158,027 13,736
Upper................ 190,786 16,583
1988 11.000 Lower................ 118,445 10,829
Middle............... 181,797 16,620
Upper................ 227,059 20,758
[[Page 61382]]
1989 10.500 Lower................ 154,366 13,556
Middle............... 239,426 21,025
Upper................ 263,331 23,124
1990 10.250 Lower................ 216,113 18,591
Middle............... 335,197 28,836
Upper................ 379,283 32,628
1991 9.125 Lower................ 207,000 16,169
Middle............... 310,700 24,268
Upper................ 370,600 28,947
1992 8.125 Lower................ 211,347 15,065
Middle............... 329,693 23,500
Upper................ 363,460 25,907
1993 7.125 Lower................ 202,041 13,067
Middle............... 327,715 21,196
Upper................ 374,918 24,249
1994 9.333 Lower................ 251,919 20,042
Middle............... 331,695 26,389
Upper................ 394,706 31,402
Hilo, HI............................. 1985 10.250 Lower................ 41,496 3,570
Middle............... 61,798 5,316
Upper................ 89,463 7,696
1986 10.250 Lower................ 50,459 4,341
Middle............... 71,995 6,193
Upper................ 97,783 8,412
1987 10.375 Lower................ 59,435 5,166
Middle............... 82,183 7,143
Upper................ 106,098 9,222
1988 11.000 Lower................ 68,410 6,254
Middle............... 92,371 8,445
Upper................ 114,412 10,460
1989 10.500 Lower................ 77,386 6,796
Middle............... 102,559 9,006
Upper................ 122,727 10,777
1990 10.250 Lower................ 67,714 5,825
Middle............... 108,821 9,361
Upper................ 164,283 14,133
1991 9.125 Lower................ 134,100 10,474
Middle............... 180,700 14,114
Upper................ 204,000 15,934
1992 8.125 Lower................ 130,743 9,319
Middle............... 162,903 11,612
Upper................ 197,863 14,104
1993 7.125 Lower................ 127,854 8,269
Middle............... 173,095 11,195
Upper................ 202,018 13,066
1994 9.333 Lower................ 114,696 9,125
Middle............... 162,500 12,928
Upper................ 196,146 15,605
Kailua Kona, HI...................... 1985 10.250 Lower................ 65,336 5,621
Middle............... 92,833 7,986
Upper................ 99,504 8,560
1986 10.250 Lower................ 77,097 6,632
Middle............... 107,594 9,256
Upper................ 119,902 10,315
1987 10.375 Lower................ 88,880 7,725
Middle............... 122,387 10,638
Upper................ 140,297 12,194
1988 11.000 Lower................ 100,662 9,203
Middle............... 137,180 12,541
Upper................ 160,692 14,691
1989 10.500 Lower................ 112,444 9,874
Middle............... 151,973 13,346
Upper................ 181,087 15,902
1990 10.250 Lower................ 134,609 11,580
Middle............... 189,900 16,336
Upper................ 225,100 19,364
1991 9.130 Lower................ 154,800 12,097
Middle............... 204,100 15,949
Upper................ 256,700 20,059
1992 8.125 Lower................ 159,867 11,395
Middle............... 222,950 15,892
[[Page 61383]]
Upper................ 261,018 18,605
1993 7.125 Lower................ 153,666 9,939
Middle............... 219,245 14,180
Upper................ 261,902 16,939
1994 9.333 Lower................ 152,235 12,111
Middle............... 215,826 17,171
Upper................ 224,128 17,831
Kauai County, HI..................... 1985 10.250 Lower................ 55,280 4,756
Middle............... 69,756 6,001
Upper................ 95,904 8,250
1986 10.250 Lower................ 68,105 5,859
Middle............... 88,032 7,573
Upper................ 105,494 9,075
1987 10.375 Lower................ 78,576 6,830
Middle............... 106,294 9,239
Upper................ 121,318 10,545
1988 11.000 Lower................ 91,046 8,324
Middle............... 124,556 11,387
Upper................ 145,581 13,309
1989 10.500 Lower................ 103,516 9,090
Middle............... 142,818 12,542
Upper................ 177,900 15,622
1990 10.250 Lower................ 177,351 15,257
Middle............... 233,846 20,117
Upper................ 295,854 25,451
1991 9.125 Lower................ 174,336 13,617
Middle............... 229,900 17,957
Upper................ 290,800 22,714
1992 8.125 Lower................ 171,792 12,245
Middle............... 221,624 15,797
Upper................ 273,921 19,525
1993 7.125 Lower................ 171,964 11,122
Middle............... 221,858 14,349
Upper................ 274,195 17,734
1994 9.333 Lower................ 163,350 12,996
Middle............... 222,196 17,677
Upper................ 255,000 20,287
Maui County, HI...................... 1985 10.250 Lower................ 83,407 7,175
Middle............... 110,670 9,520
Upper................ 139,174 11,973
1986 10.250 Lower................ 91,748 7,893
Middle............... 121,737 10,473
Upper................ 153,091 13,170
1987 10.375 Lower................ 100,293 8,717
Middle............... 133,911 11,639
Upper................ 168,401 14,637
1988 11.000 Lower................ 121,107 11,072
Middle............... 160,693 14,691
Upper................ 202,081 18,475
1989 10.500 Lower................ 151,384 13,294
Middle............... 200,866 17,639
Upper................ 252,601 22,182
1990 10.250 Lower................ 174,092 14,976
Middle............... 230,996 19,872
Upper................ 290,491 24,990
1991 9.125 Lower................ 210,651 16,454
Middle............... 279,500 21,831
Upper................ 351,494 27,455
1992 8.125 Lower................ 207,913 14,820
Middle............... 275,925 19,668
Upper................ 346,925 24,729
1993 7.125 Lower................ 180,099 11,648
Middle............... 255,476 16,523
Upper................ 310,845 20,105
1994 9.333 Lower................ 180,000 14,320
Middle............... 250,588 19,936
Upper................ 278,443 22,152
Guam................................. 1985 10.250 Lower................ 59,421 5,112
Middle............... 72,445 6,232
Upper................ 154,895 13,325
1986 10.250 Lower................ 65,363 5,623
[[Page 61384]]
Middle............... 79,689 6,855
Upper................ 170,384 14,657
1987 10.375 Lower................ 74,841 6,505
Middle............... 91,802 7,979
Upper................ 188,786 16,409
1988 11.000 Lower................ 84,271 7,704
Middle............... 103,920 9,501
Upper................ 207,287 18,951
1989 10.375 Lower................ 93,709 8,145
Middle............... 116,079 10,089
Upper................ 225,735 19,621
1990 10.500 Lower................ 103,174 9,060
Middle............... 128,151 11,254
Upper................ 244,245 21,448
1991 10.125 Lower................ 113,491 9,662
Middle............... 140,966 12,001
Upper................ 268,670 22,873
1992 9.491 Lower................ 130,855 10,555
Middle............... 162,534 13,110
Upper................ 309,777 24,986
1993 7.750 Lower................ 144,738 9,954
Middle............... 189,280 13,018
Upper................ 258,978 17,811
1994 10.050 Lower................ 133,452 11,290
Middle............... 188,240 15,925
Upper................ 244,375 20,675
Mayaguez, PR......................... 1985 10.250 Lower................ 38,650 3,325
Middle............... 54,110 4,655
Upper................ 82,465 7,094
1986 10.250 Lower................ 42,515 3,657
Middle............... 59,521 5,120
Upper................ 90,711 7,803
1987 10.625 Lower................ 47,616 4,224
Middle............... 66,663 5,914
Upper................ 101,597 9,013
1988 10.875 Lower................ 53,807 4,870
Middle............... 75,329 6,819
Upper................ 114,804 10,392
1989 10.375 Lower................ 57,035 4,957
Middle............... 79,849 6,940
Upper................ 121,693 10,577
1990 10.375 Lower................ 93,898 8,162
Middle............... 116,409 10,118
Upper................ 196,696 17,097
1991 8.875 Lower................ 57,600 4,400
Middle............... 92,300 7,050
Upper................ 134,300 10,258
1992 8.125 Lower................ 61,459 4,381
Middle............... 98,484 7,020
Upper................ 143,298 10,214
1993 7.125 Lower................ 60,906 3,939
Middle............... 97,598 6,312
Upper................ 142,008 9,185
1994 8.750 Lower................ 71,307 5,385
Middle............... 92,079 6,954
Upper................ 128,571 9,710
San Juan, PR......................... 1985 10.250 Lower................ 52,638 4,528
Middle............... 64,476 5,547
Upper................ 93,324 8,028
1986 10.250 Lower................ 56,323 4,845
Middle............... 68,989 5,935
Upper................ 99,857 8,590
1987 10.625 Lower................ 60,266 5,346
Middle............... 73,818 6,549
Upper................ 106,847 9,479
1988 10.875 Lower................ 64,485 5,837
Middle............... 78,985 7,150
Upper................ 114,326 10,348
1989 10.375 Lower................ 70,934 6,166
Middle............... 86,884 7,552
Upper................ 122,329 10,633
[[Page 61385]]
1990 10.375 Lower................ 78,027 6,782
Middle............... 95,572 8,307
Upper................ 134,562 11,696
1991 8.875 Lower................ 82,800 6,324
Middle............... 100,255 7,658
Upper................ 141,100 10,777
1992 8.125 Lower................ 62,271 4,439
Middle............... 84,721 6,039
Upper................ 151,946 10,831
1993 7.125 Lower................ 61,389 3,970
Middle............... 84,084 5,438
Upper................ 151,878 9,823
1994 8.750 Lower................ 66,843 5,048
Middle............... 102,232 7,721
Upper................ 143,633 10,848
St Croix, VI......................... 1985 10.250 Lower................ 47,893 4,120
Middle............... 62,064 5,339
Upper................ 105,308 9,059
1986 10.250 Lower................ 48,995 4,215
Middle............... 63,491 5,462
Upper................ 107,730 9,268
1987 12.000 Lower................ 54,140 5,346
Middle............... 70,157 6,928
Upper................ 119,042 11,755
1988 12.000 Lower................ 66,051 6,522
Middle............... 85,592 8,452
Upper................ 145,231 14,341
1989 11.750 Lower................ 64,730 6,273
Middle............... 83,880 8,128
Upper................ 142,326 13,792
1990 11.250 Lower................ 80,912 7,544
Middle............... 104,850 9,776
Upper................ 177,908 16,588
1991 10.250 Lower................ 85,281 7,336
Middle............... 110,500 9,506
Upper................ 187,500 16,130
1992 9.500 Lower................ 103,635 8,366
Middle............... 151,866 12,259
Upper................ 188,037 15,179
1993 8.375 Lower................ 112,962 8,242
Middle............... 174,161 12,708
Upper................ 194,004 14,156
1994 9.083 Lower................ 77,409 6,024
Middle............... 128,076 9,967
Upper................ 210,035 16,345
St. Thomas, VI....................... 1985 10.250 Lower................ 77,330 6,652
Middle............... 97,846 8,417
Upper................ 116,784 10,046
1986 10.250 Lower................ 92,023 7,916
Middle............... 116,437 10,017
Upper................ 138,973 11,955
1987 12.000 Lower................ 103,617 10,232
Middle............... 131,108 12,946
Upper................ 156,484 15,452
1988 12.000 Lower................ 121,129 11,961
Middle............... 153,265 15,134
Upper................ 182,929 18,064
1989 11.750 Lower................ 126,943 12,301
Middle............... 160,622 15,565
Upper................ 191,710 18,577
1990 11.250 Lower................ 122,500 11,422
Middle............... 155,000 14,452
Upper................ 185,000 17,250
1991 10.250 Lower................ 126,900 10,917
Middle............... 180,700 15,545
Upper................ 210,800 18,134
1992 9.000 Lower................ 128,930 9,959
Middle............... 183,591 14,181
Upper................ 214,173 16,544
1993 8.250 Lower................ 139,680 10,074
Middle............... 198,829 14,340
[[Page 61386]]
Upper................ 231,949 16,729
1994 9.083 Lower................ 106,533 8,290
Middle............... 190,164 14,799
Upper................ 195,381 15,205
Washington, DC (DC).................. 1985 10.250 Lower................ 58,996 5,075
Middle............... 90,194 7,759
Upper................ 160,600 13,816
1986 10.250 Lower................ 64,778 5,573
Middle............... 99,213 8,535
Upper................ 173,448 14,921
1987 10.250 Lower................ 70,543 6,069
Middle............... 113,015 9,722
Upper................ 187,324 16,115
1988 10.500 Lower................ 76,327 6,703
Middle............... 126,817 11,136
Upper................ 202,310 17,766
1989 9.625 Lower................ 82,128 6,702
Middle............... 140,619 11,474
Upper................ 218,495 17,829
1990 9.875 Lower................ 87,877 7,326
Middle............... 140,974 11,752
Upper................ 235,975 19,671
1991 9.250 Lower................ 88,200 6,966
Middle............... 141,500 11,175
Upper................ 236,900 18,710
1992 8.500 Lower................ 93,573 6,907
Middle............... 138,580 10,229
Upper................ 231,948 17,121
1993 7.125 Lower................ 95,306 6,164
Middle............... 125,469 8,115
Upper................ 271,054 17,531
1994 8.708 Lower................ 85,158 6,407
Middle............... 104,117 7,834
Upper................ 284,087 21,374
Washington, DC (MD).................. 1985 10.250 Lower................ 54,572 4,695
Middle............... 84,505 7,270
Upper................ 100,545 8,649
1986 10.250 Lower................ 60,029 5,164
Middle............... 92,955 7,997
Upper................ 110,600 9,514
1987 10.125 Lower................ 66,032 5,622
Middle............... 102,250 8,705
Upper................ 121,660 10,358
1988 10.375 Lower................ 73,295 6,371
Middle............... 113,498 9,865
Upper................ 135,043 11,738
1989 10.000 Lower................ 81,357 6,854
Middle............... 125,983 10,614
Upper................ 149,898 12,628
1990 9.875 Lower................ 89,493 7,460
Middle............... 138,581 11,552
Upper................ 164,888 13,745
1991 8.750 Lower................ 90,835 6,860
Middle............... 140,660 10,623
Upper................ 167,361 12,640
1992 8.375 Lower................ 103,563 7,557
Middle............... 136,513 9,961
Upper................ 203,337 14,837
1993 7.250 Lower................ 95,031 6,223
Middle............... 116,294 7,616
Upper................ 199,750 13,081
1994 8.833 Lower................ 92,394 7,031
Middle............... 184,249 14,020
Upper................ 222,377 16,922
Washington, DC (VA).................. 1985 10.250 Lower................ 65,608 5,644
Middle............... 74,031 6,369
Upper................ 122,748 10,559
1986 10.250 Lower................ 70,857 6,096
Middle............... 79,954 6,878
Upper................ 132,568 11,404
1987 10.125 Lower................ 76,526 6,515
[[Page 61387]]
Middle............... 86,350 7,351
Upper................ 143,173 12,189
1988 10.500 Lower................ 83,413 7,325
Middle............... 94,122 8,265
Upper................ 156,059 13,704
1989 9.500 Lower................ 90,086 7,272
Middle............... 101,652 8,206
Upper................ 168,544 13,605
1990 10.000 Lower................ 97,293 8,197
Middle............... 109,784 9,249
Upper................ 182,028 15,335
1991 8.875 Lower................ 99,823 7,625
Middle............... 114,400 8,738
Upper................ 183,600 14,024
1992 8.375 Lower................ 105,021 7,663
Middle............... 127,582 9,309
Upper................ 183,294 13,374
1993 7.250 Lower................ 94,563 6,193
Middle............... 126,984 8,316
Upper................ 181,917 11,914
1994 8.792 Lower................ 96,048 7,281
Middle............... 169,078 12,818
Upper................ 240,108 18,202
----------------------------------------------------------------------------------------------------------------
*Principal and interest assumes 80% financing.
Appendix 11.--Historical Housing Data
----------------------------------------------------------------------------------------------------------------
Lower Middle Upper
Year Weights amounts Subtotal amounts Subtotal amounts Subtotal
----------------------------------------------------------------------------------------------------------------
Honolulu:
1985........................... 6.31 7,455 470.41 9,506 599.83 10,170 641.73
1986........................... 6.77 8,364 566.24 11,550 781.94 13,292 899.87
1987........................... 8.19 9,373 767.65 13,736 1,124.98 16,583 1,358.15
1988........................... 7.03 10,829 761.28 16,620 1,168.39 20,758 1,459.29
1989........................... 7.72 13,556 1,046.52 21,025 1,623.13 23,124 1,785.17
1990........................... 8.32 18,591 1,546.77 28,836 2,399.16 32,628 2,714.65
1991........................... 10.08 16,169 1,629.84 24,268 2,446.21 28,947 2,917.86
1992........................... 12.92 15,065 1,946.40 23,500 3,036.20 25,907 3,347.18
1993........................... 13.78 13,067 1,800.63 21,196 2,920.81 24,249 3,341.51
1994........................... 18.88 20,042 3,783.93 26,389 4,982.24 31,402 5,928.70
----------------------------------------------------------------------------
Total........................ 100.00 ......... 14,320 ......... 21,083 ......... 24,394
============================================================================
Hilo:
1985........................... 6.31 3,570 225.27 5,316 335.44 7,696 485.62
1986........................... 6.77 4,341 293.89 6,193 419.27 8,412 569.49
1987........................... 8.19 5,166 423.10 7,143 585.01 9,222 755.28
1988........................... 7.03 6,254 439.66 8,445 593.68 10,460 735.34
1989........................... 7.72 6,796 524.65 9,006 695.26 10,777 831.98
1990........................... 8.32 5,825 484.64 9,361 778.84 14,133 1,175.87
1991........................... 10.08 10,474 1,055.78 14,114 1,422.69 15,934 1,606.15
1992........................... 12.92 9,319 1,204.01 11,612 1,500.27 14,104 1,822.24
1993........................... 13.78 8,269 1,139.47 11,195 1,542.67 13,066 1,800.49
1994........................... 18.88 9,125 1,722.80 12,928 2440.81 15,605 2,946.22
----------------------------------------------------------------------------
Total........................ 100.00 ......... 7,513 ......... 10,314 ......... 12,729
============================================================================
Kailua Kona:
1985........................... 6.31 5,621 354.69 7,986 503.92 8,560 540.14
1986........................... 6.77 6,632 448.99 9,256 626.63 10,315 698.33
1987........................... 8.19 7,725 632.68 10,638 871.25 12,194 998.69
1988........................... 7.03 9,203 646.97 12,541 881.63 14,691 1,032.78
1989........................... 7.72 9,874 762.27 13,346 1,030.31 15,902 1,227.63
1990........................... 8.32 11,580 963.46 16,336 1,359.16 19,364 1,611.08
1991........................... 10.08 12,097 1,219.38 15,949 1,607.66 20,059 2,021.95
1992........................... 12.92 11,395 1,472.23 15,892 2,053.25 18,605 2,403.77
1993........................... 13.78 9,939 1,369.59 14,180 1,954.00 16,939 2,334.19
1994........................... 18.88 12,111 2,286.56 17,171 3,241.88 17,831 3,366.49
----------------------------------------------------------------------------
[[Page 61388]]
Totals....................... 100.00 ......... 10,157 ......... 14,130 ......... 16,235
============================================================================
Kauai:
1985........................... 6.31 4,756 300.10 6,001 378.66 8,250 520.58
1986........................... 6.77 5,859 396.65 7,573 512.69 9,075 614.38
1987........................... 8.19 6,830 559.38 9,239 756.67 10,545 863.64
1988........................... 7.03 8,324 585.18 11,387 800.51 13,309 935.62
1989........................... 7.72 9,090 701.75 12,542 968.241 15,622 1,206.02
1990........................... 8.32 15,257 1,269.38 20,117 1,673.73 25,451 2,117.52
1991........................... 10.08 13,617 1,372.59 17,957 1,810.07 22,714 2,289.57
1992........................... 12.92 12,245 1,582.05 15,797 2,040.97 19,525 2,522.63
1993........................... 13.78 11,122 1,532.61 14,349 1,977.29 17,734 2,443.75
1994........................... 18.88 12,996 2,453.64 17,677 3,337.42 20,287 3,830.19
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 10,753 ......... 14,256 ......... 17,344
============================================================================
Maui:
1985........................... 6.31 7,175 452.74 9,520 600.71 11,973 755.50
1986........................... 6.77 7,893 534.36 10,473 709.02 13,170 891.61
1987........................... 8.19 8,717 713.92 11,639 953.23 14,637 1,198.77
1988........................... 7.03 11,072 778.36 14,691 1,032.78 18,475 1,298.79
1989........................... 7.72 13,294 1,026.30 17,639 1,361.73 22,182 1,712.45
1990........................... 8.32 14,976 1,246.00 19,872 1,653.35 24,990 2,079.17
1991........................... 10.08 16,454 1,658.56 21,831 2,200.56 27,455 2,767.46
1992........................... 12.92 14,820 1,914.74 19,668 2,541.11 24,729 3,194.99
1993........................... 13.78 11,648 1,605.09 16,523 2,276.87 20,105 2,770.47
1994........................... 18.88 14,320 2,703.62 19,936 3,763.92 22,152 4,182.30
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 12,634 ......... 17,093 ......... 20,852
============================================================================
Guam:
1985........................... 6.31 5,112 322.57 6,232 393.24 13,325 840.81
1986........................... 6.77 5,623 380.68 6,855 464.08 14,657 992.28
1987........................... 8.19 6,505 532.76 7,979 653.48 16,409 1,343.90
1988........................... 7.03 7,704 541.59 9,501 667.92 18,951 1,332.26
1989........................... 7.72 8,145 628.79 10,089 778.87 19,621 1,514.74
1990........................... 8.32 9,060 753.79 11,254 936.33 21,448 1,784.47
1991........................... 10.08 9,662 973.93 12,001 1,209.70 22,873 2,305.60
1992........................... 12.92 10,555 1,363.71 13,110 1,693.81 24,986 3,228.19
1993........................... 13.78 9,954 1,371.66 13,018 1,793.88 17,811 2,454.36
1994........................... 18.88 11,290 2,131.55 15,925 3,006.64 20,675 3,903.44
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 9,001 ......... 11,598 ......... 19,700
============================================================================
Mayaguez:
1985........................... 6.31 3,325 209.81 4,655 293.73 7,094 447.63
1986........................... 6.77 3,657 247.58 5,120 346.62 7,803 528.26
1987........................... 8.19 4,224 345.95 5,914 484.36 9,013 738.16
1988........................... 7.03 4,870 342.36 6,819 479.38 10,392 730.56
1989........................... 7.72 4,957 382.68 6,940 535.77 10,577 816.54
1990........................... 8.32 8,162 679.08 10,118 841.82 17,097 1,422.47
1991........................... 10.08 4,400 443.52 7,050 710.64 10,258 1,034.01
1992........................... 12.92 4,381 566.03 7,020 906.98 10,214 1,319.65
1993........................... 13.78 3,939 542.79 6,312 869.79 9,185 1,265.69
1994........................... 18.88 5,385 1,016.69 6,954 1,312.92 9,710 1,833.25
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 4,776 ......... 6,782 ......... 10,136
============================================================================
San Juan:
1985........................... 6.31 4,528 285.72 5,547 350.02 8,028 506.57
1986........................... 6.77 4,845 328.01 5,935 401.80 8,590 581.54
1987........................... 8.19 5,346 437.84 6,549 536.36 9,479 776.33
1988........................... 7.03 5,837 410.34 7,150 502.65 10,348 727.46
1989........................... 7.72 6,166 476.02 7,552 583.01 10,633 820.87
1990........................... 8.32 6,782 564.26 8,307 691.14 11,696 973.11
1991........................... 10.08 6,324 637.46 7,658 771.93 10,777 1,086.32
1992........................... 12.92 4,439 573.52 6,039 780.24 10,831 1,399.37
1993........................... 13.78 3,970 547.07 5,438 749.36 9,823 1,353.61
1994........................... 18.88 5,048 953.06 7,721 1,457.72 10,848 2,048.10
----------------------------------------------------------------------------
[[Page 61389]]
Totals....................... 100.00 ......... 5,213 ......... 6,824 ......... 10,273
============================================================================
St. Croix:
1985........................... 6.31 4,120 259.97 5,339 336.89 9,059 571.62
1986........................... 6.77 4,215 285.36 5,462 369.78 9,268 627.44
1987........................... 8.19 5,346 437.84 6,928 567.40 11,755 962.73
1988........................... 7.03 6,522 458.50 8,452 594.18 14,341 1,008.17
1989........................... 7.72 6,273 484.28 8,128 627.48 13,792 1,064.74
1990........................... 8.32 7,544 627.66 9,776 813.36 16,588 1,380.12
1991........................... 10.08 7,336 739.47 9,506 958.20 16,130 1,625.90
1992........................... 12.92 8,366 1,080.89 12,259 1,583.86 15,179 1,961.13
1993........................... 13.78 8,242 1,135.75 12,708 1,751.16 14,156 1,950.70
1994........................... 18.88 6,024 1,137.33 9,967 1,881.77 16,345 3,085.94
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 6,647 ......... 9,484 ......... 14,238
============================================================================
St. Thomas:
1985........................... 6.31 6,652 419.74 8,417 531.11 10,046 633.90
1986........................... 6.77 7,916 535.91 10,017 678.15 11,955 809.35
1987........................... 8.19 10,232 838.00 12,946 1,060.28 15,452 1,265.52
1988........................... 7.03 11,961 840.86 15,134 1,063.92 18,064 1,269.90
1989........................... 7.72 12,301 949.64 15,565 1,201.62 18,577 1,434.14
1990........................... 8.32 11,422 950.31 14,452 1,202.41 17,250 1,435.20
1991........................... 10.08 10,917 1,100.43 15,545 1,566.94 18,134 1,827.91
1992........................... 12.92 9,959 1,286.70 14,181 1,832.19 16,544 2,137.48
1993........................... 13.78 10,074 1,388.20 14,340 1,976.05 16,729 2,305.26
1994........................... 18.88 8,290 1,565.15 14,799 2,794.05 15,205 2,870.70
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 9,875 ......... 13,907 ......... 15,989
============================================================================
DC-DC:
1985........................... 6.31 5,075 320.23 7,759 489.59 13,816 871.79
1986........................... 6.77 5,573 377.29 8,535 577.82 14,921 1,010.15
1987........................... 8.19 6,069 497.05 9,722 796.23 16,115 1,319.82
1988........................... 7.03 6,703 471.22 11,136 782.86 17,766 1,248.95
1989........................... 7.72 6,702 517.39 11,474 885.79 17,829 1,376.40
1990........................... 8.32 7,326 609.52 11,752 977.77 19,671 1,636.63
1991........................... 10.08 6,966 702.17 11,175 1,126.44 18,710 1,885.97
1992........................... 12.92 6,907 892.38 10,229 1,321.59 17,121 2,212.03
1993........................... 13.78 6,164 849.40 8,115 1,118.25 17,531 2,415.77
1994........................... 18.88 6,407 1,209.64 7,834 1,479.06 21,374 4,035.41
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 6,446 ......... 9,555 ......... 18,013
============================================================================
DC-MD:
1985........................... 6.31 4,695 296.25 7,270 458.74 8,649 545.75
1986........................... 6.77 5,164 349.60 7,997 541.40 9,514 644.10
1987........................... 8.19 5,622 460.44 8,705 712.94 10,358 848.32
1988........................... 7.03 6,371 447.88 9,865 693.51 11,738 825.18
1989........................... 7.72 6,854 529.13 10,614 819.40 12,628 974.88
1990........................... 8.32 7,460 620.67 11,552 961.13 13,745 1,143.58
1991........................... 10.08 6,860 691.49 10,623 1,070.80 12,640 1,274.11
1992........................... 12.92 7,557 976.36 9,961 1,286.96 14,837 1,916.94
1993........................... 13.78 6,223 857.53 7,616 1,049.48 13,081 1,802.56
1994........................... 18.88 7,031 1,327.45 14,020 2,646.98 16,922 3,194.87
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 6,557 ......... 10,241 ......... 13,170
============================================================================
DC-VA:
1985........................... 6.31 5,644 356.14 6,369 401.88 10,559 666.27
1986........................... 6.77 6,096 412.70 6,878 465.64 11,404 772.05
1987........................... 8.19 6,515 533.58 7,351 602.05 12,189 998.28
1988........................... 7.03 7,325 514.95 8,265 581.03 13,704 963.39
1989........................... 7.72 7,272 561.40 8,206 633.50 13,605 1,050.31
1990........................... 8.32 8,197 681.99 9,249 769.52 15,335 1,275.87
1991........................... 10.08 7,625 768.60 8,738 880.79 14,024 1,413.62
1992........................... 12.92 7,663 990.06 9,309 1,202.72 13,374 1,727.92
1993........................... 13.78 6,193 853.40 8,316 1,145.94 11,914 1,641.75
1994........................... 18.88 7,281 1,374.65 12,818 2,420.04 18,202 3,436.54
----------------------------------------------------------------------------
Totals....................... 100.00 ......... 7,047 ......... 9,103 ......... 13,946
----------------------------------------------------------------------------------------------------------------
[[Page 61390]]
Appendix 12.--Rental Data Analyses
--------------------------------------------------------------------------------------------------------------------------------------------------------
B&BN Non-Brkr Broker
--------------------------------------------------------------------------------------------------
Change Change Change
# $ (percent) # $ (percent) # $ (percent)
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honolulu:
Low.............................................. 217 $773 -5.3 205 $795 0.0 12 $750 -10.3
Middle........................................... 168 925 -4.8 156 925 -6.8 12 925 -2.6
High............................................. 309 1250 -1.9 285 1200 -5.2 24 1300 1.5
Hilo:
Low.............................................. 52 567 9.7 46 520 25.6 6 613 -1.0
Middle........................................... 72 698 0.0 66 695 25.9 6 700 -17.1
High............................................. 156 880 1.4 144 860 25.5 12 900 -14.3
Kailua Kona:
Low.............................................. 103 669 -1.3 97 661 7.2 6 677 -8.3
Middle........................................... 78 775 -3.2 72 781 7.5 6 769 -12.1
High............................................. 103 1003 -4.5 91 964 4.2 12 1042 -11.3
Kauai:
Low.............................................. 67 688 -25.3 61 700 16.7 6 675 -15.6
Middle........................................... 74 794 -24.4 68 788 -21.2 6 800 -27.3
High............................................. 212 1075 -28.9 200 1050 -36.1 12 1100 -15.2
Maui:
Low.............................................. 255 625 -1.6 249 650 8.2 6 600 -10.3
Middle........................................... 253 800 0.4 247 750 5.9 6 850 -4.0
High............................................. 128 975 -11.4 116 950 -6.9 12 1000 -15.2
Guam:
Low.............................................. 23 763 -5.0 17 725 -3.2 6 800 -6.5
Middle........................................... 59 900 -14.3 53 900 -8.2 6 900 -19.6
High............................................. 70 1250 -28.6 58 1300 -8.5 12 1200 -42.3
Mayaguez:
Low.............................................. 14 425 2.4 7 450 -25.0 7 400 -18.4
Middle........................................... 14 550 -9.2 7 600 2.0 7 500 -21.6
High............................................. 16 725 -26.2 5 850 11.8 11 600 -26.8
San Juan:
Low.............................................. 18 451 -38.0 6 388 -45.2 12 513 -31.3
Middle........................................... 25 913 -14.5 13 800 -32.5 12 1025 7.9
High............................................. 54 1400 -26.0 28 1300 -29.0 26 1500 -23.3
St. Croix:
Low.............................................. 92 548 -19.3 86 600 -16.0 6 495 -23.1
Middle........................................... 68 600 -44.3 62 600 -28.6 6 600 -20.4
High............................................. 57 1000 -26.5 40 1000 -29.9 17 1000 -22.8
St. Thomas:
Low.............................................. 104 663 -15.4 98 650 1.1 6 675 -27.0
Middle........................................... 89 857 -12.4 83 875 -5.9 6 838 -18.2
High............................................. 83 1300 -5.9 71 1200 -5.7 12 1400 -5.9
Washington, DC:
Low.............................................. 237 415 -10.4 231 399 -10.7 6 430 -10.2
Middle........................................... 127 530 -13.7 121 535 -14.8 6 525 -12.5
High............................................. 110 1349 -7.6 94 1198 5.1 16 1500 -15.7
DC--Maryland:
Low.............................................. 71 525 -4.4 65 525 0.4 6 525 -8.7
Middle........................................... 117 650 -17.1 111 650 -18.6 6 650 -16.8
High............................................. 114 950 -7.9 102 975 -4.5 12 925 -11.1
DC--Virginia:
Low.............................................. 51 583 -2.3 45 590 -0.7 6 575 -4.2
Middle........................................... 257 863 11.5 251 775 -4.0 6 950 28.4
High............................................. 149 1225 19.6 137 1150 16.8 12 1300 22.3
--------------------------------------------------------------------------------------------------------------------------------------------------------
---------
Appendix 13.--Housing Cost Analysis
[Location: Honolulu, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $358 .............. $421 .............. $484 ..............
Insurance............................................... 750 $329 1,059 329 1,377 $392
Utilities............................................... 1,608 1,435 1,824 1,608 2,041 1,709
Real estate taxes....................................... 746 .............. 1,027 .............. 1,249 ..............
[[Page 61391]]
Housing................................................. 14,320 9,276 21,083 11,100 24,394 15,000
-----------------------------------------------------------------------------------------------
Total annual cost................................... 17,782 11,040 25,414 13,037 29,545 17,101
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Hilo, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $271 .............. $319 .............. $367 ..............
Insurance............................................... 604 $395 740 $395 912 $413
Utilities............................................... 1,598 1,424 1,816 1,598 2,034 1,700
Real estate taxes....................................... 635 .............. 1,041 .............. 1,327 ..............
Housing................................................. 7,513 6,804 10,314 8,376 12,729 10,560
-----------------------------------------------------------------------------------------------
Total annual cost................................... 10,621 8,623 14,230 10,369 17,369 12,673
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Kailua Kona, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $295 .............. $347 .............. $399 ..............
Insurance............................................... 794 $395 975 $395 1,038 $413
Utilities............................................... 1,751 1,556 1,996 1,751 2,241 1,866
Real estate taxes....................................... 954 .............. 1,495 .............. 1,565 ..............
Housing................................................. 10,157 8,028 14,130 9,300 16,235 12,036
-----------------------------------------------------------------------------------------------
Total annual cost................................... 13,951 9,979 18,943 11,446 21,478 14,315
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Hawaii County Composite
[Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Hilo, HI.............................................. 83.17 $10,621 $8,623 $14,230 $10,369 $17,369 $12,673
Kailua Kona, HI....................................... 16.83 13,951 9,979 18,943 11,446 21,478 14,315
-------------------------------------------------------------------------------------------------
Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............
=================================================================================================
Hawaii County, HI cost............................ ............ 11,181 8,851 15,023 10,550 18,061 12,949
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Kauai County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $302 .............. $355 .............. $408 ..............
[[Page 61392]]
Insurance............................................... 837 $454 1,014 $454 1,158 $550
Utilities............................................... 1,758 1,560 2,005 1,758 2,252 1,873
Real estate taxes....................................... 547 .............. 808 .............. 954 ..............
Housing................................................. 10,753 8,256 14,256 9,528 17,344 12,900
-----------------------------------------------------------------------------------------------
Total annual cost................................... 14,197 10,270 18,438 11,740 22,116 15,323
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Maui County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $388 .............. $456 .............. $524 ..............
Insurance............................................... 691 $394 930 $447 1,065 $538
Utilities............................................... 1,610 1,433 1,831 1,610 2,052 1,713
Real estate taxes....................................... 665 .............. 1,000 .............. 1,133 ..............
Housing................................................. 12,634 7,500 17,093 9,600 20,852 11,700
-----------------------------------------------------------------------------------------------
Total annual cost................................... 15,988 9,327 21,310 11,657 25,626 13,951
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Guam, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $428 .............. $504 .............. $580 ..............
Insurance............................................... 1,758 $293 2,479 $293 3,218 $440
Utilities............................................... 2,288 2,084 2,543 2,288 2,798 2,407
Real estate taxes....................................... 420 .............. 593 .............. 770 ..............
Housing................................................. 9,001 9,156 11,598 10,800 19,700 15,000
-----------------------------------------------------------------------------------------------
Total annual cost................................... 13,895 11,533 17,717 13,381 27,066 17,847
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Mayaguez, PR, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Fire and extended coverage.................... 0.03 0.14 0.24 0.14
Insurance............................................... 449 $260 565 $206 817 $239
Utilities............................................... 1,036 941 1,153 1,036 1,271 1,090
Real estate taxes....................................... 0 .............. 230 .............. 721 ..............
Housing................................................. 4,776 5,100 6,782 6,600 10,136 8,700
-----------------------------------------------------------------------------------------------
Total annual cost................................... 6,434 6,247 8,934 7,842 13,180 10,029
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61393]]
Housing Cost Analysis
[Location: San Juan, PR, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $164 .............. $193 .............. $222 ..............
Insurance............................................... 348 $205 535 $205 783 $277
Utilities............................................... 1,086 987 1,209 1,086 1,332 1,143
Real estate taxes....................................... 0 .............. 367 .............. 924 ..............
Housing................................................. 5,213 5,412 6,824 10,956 10,273 16,800
-----------------------------------------------------------------------------------------------
Total annual cost................................... 6,811 6,604 9,128 12,247 13,534 18,220
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Puerto Rico Composite
[Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
San Juan, PR.......................................... 88.90 $6,811 $6,604 $9,128 $12,247 $13,534 $18,220
Mayaguez, PR.......................................... 11.10 6,434 6,247 8,934 7,842 13,180 10,029
-------------------------------------------------------------------------------------------------
Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............
=================================================================================================
Puerto Rico cost.................................. ............ 6,769 6,564 9,106 11,758 13,495 17,311
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: St. Croix, VI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $207 .............. $244 .............. $281 ..............
Insurance............................................... 1,604 $582 2,590 $582 4,183 $654
Utilities............................................... 1,530 1,363 1,737 1,530 1,945 1,627
Real estate taxes....................................... 393 .............. 773 .............. 1,388 ..............
Housing................................................. 6,647 6,576 9,484 7,200 14,238 12,000
-----------------------------------------------------------------------------------------------
Total annual cost................................... 10,381 8,521 14,828 9,312 22,035 14,281
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: St. Thomas, VI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $216 .............. $254 .............. $292 ..............
Insurance............................................... 2,591 $512 4,166 $512 4,260 $762
Utilities............................................... 1,530 1,363 1,737 1,530 1,945 1,627
Real estate taxes....................................... 611 .............. 1,239 .............. 1,278 ..............
Housing................................................. 9,875 7,956 13,907 10,284 15,989 15,600
-----------------------------------------------------------------------------------------------
Total annual cost................................... 14,823 9,831 21,303 12,326 23,764 17,989
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61394]]
Housing Cost Analysis-- Virgin Islands Composite
[Summr 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
St. Croix, VI......................................... 45.09 $10,381 $8,521 $14,828 $9,312 $22,035 $14,281
St. Thomas, VI........................................ 54.91 14,823 9,831 21,303 12,326 23,764 17,989
-------------------------------------------------------------------------------------------------
Total weight...................................... 100.000 ............ ............ ............ ............ ............ ............
=================================================================================================
Puerto Rico cost.................................. ............ 12,820 9,240 18,383 10,967 22,984 16,317
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington DC, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $312 .............. $367 .............. $422 ..............
Insurance............................................... 212 $79 261 $79 730 $98
Utilities............................................... 1,579 1,402 1,801 1,579 2,023 1,683
Real estate taxes....................................... 530 .............. 712 2,439 .............. ..............
Housing................................................. 6,446 4,980 9,555 6,360 18,013 16,188
-----------------------------------------------------------------------------------------------
Total annual cost................................... 9,079 6,641 12,696 8,018 23,627 17,969
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington, DC, MD, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $319 .............. $375 .............. $431 ..............
Insurance............................................... 237 $59 294 $59 355 $69
Utilities............................................... 2,062 1,820 2,366 2,062 2,669 2,204
Real estate taxes....................................... 1,254 .............. 2,501 .............. 3,018 ..............
Housing................................................. 6,557 6,300 10,241 7,800 13,170 11,400
-----------------------------------------------------------------------------------------------
Total annual cost................................... 10,429 8,179 15,777 9,921 19,643 13,673
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis
[Location: Washington, DC, VA, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Category Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance............................................. $286 .............. $336 .............. $386 ..............
Insurance............................................... 208 $126 304 $126 410 $148
Utilities............................................... 1,932 1,712 2,208 1,932 2,483 2,061
Real estate taxes....................................... 1,211 .............. 2,132 .............. 3,027 ..............
Housing................................................. 7,047 6,996 9,103 10,356 13,946 14,700
-----------------------------------------------------------------------------------------------
Total annual cost................................... 10,684 8,834 14,083 12,414 20,252 16,909
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61395]]
Housing Cost Analysis--Washington DC Composite
[Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Washington DC, DC..................................... 33.34 $9,079 $6,461 $12,696 $8,018 $23,627 $17,969
Washington DC, MD..................................... 33.33 10,429 8,179 15,777 9,921 19,643 13,673
Washington DC, VA..................................... 33.33 10,684 8,834 14,083 12,414 20,252 16,909
-------------------------------------------------------------------------------------------------
Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............
=================================================================================================
Composite cost.................................... ............ 10,064 7,825 14,185 10,117 21,174 16,184
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appendix 14.--Housing Analysis
[Location: Honolulu, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $17,782 $10,064 176.69 $11,040 $7,825 141.09
Middle income........................................... 25,414 14,185 179.16 13,037 10,117 128.86
Upper income............................................ 29,545 21,174 139.53 17,101 16,184 105.67
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Hawaii County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $11,181 $10,064 111.10 $8,851 $7,825 113.11
Middle income........................................... 15,023 14,185 105.91 10,550 10,117 104.28
Upper income............................................ 18,061 21,174 85.30 12,949 16,184 80.01
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Kauai County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $14,197 $10,064 141.07 $10,270 $7,825 131.25
Middle income........................................... 18,438 14,185 129.98 11,740 10,117 116.04
Upper income............................................ 22,116 21,174 104.45 15,323 16,184 94.68
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Maui County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $15,988 $10,064 158.86 $9,327 $7,825 119.19
Middle income........................................... 21,310 14,185 150.23 11,657 10,117 115.22
Upper income............................................ 25,626 21,174 121.03 13,951 16,184 86.20
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61396]]
Housing Analysis
[Location: Guam, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $13,895 $10,064 138.07 $11,533 $7,825 147.39
Middle income........................................... 17,717 14,185 124.90 13,381 10,117 132.26
Upper income............................................ 27,066 21,174 127.83 17,847 16,184 110.28
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Puerto Rico, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $6,769 $10,064 67.26 $6,564 $7,825 83.88
Middle income........................................... 9,106 14,185 64.19 11,758 10,117 116.22
Upper income............................................ 13,495 21,174 63.73 17,311 16,184 106.96
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Analysis
[Location: Virgin Islands, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................ $12,820 $10,064 127.38 $9,240 $7,825 118.08
Middle income........................................... 18,383 14,185 129.59 10,967 10,117 108.40
Upper income............................................ 22,984 21,174 108.55 16,317 16,184 100.82
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appendix 15.--Private Transportation Cost Analysis
[Location: Honolulu, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L4 cyl DX 4 3.0L 6 cyl GL Blazer 4.3L 6
dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $822 $1,192 $1,490
Maintenance/oil................................................. 424 476 505
Tires........................................................... 110 141 153
License and registration........................................ 101 115 124
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,786 3,405 2,815
Finance expense................................................. 739 859 901
Insurance....................................................... 1,788 1,752 1,903
-----------------------------------------------
Total annual costs.......................................... 6,770 7,940 7,891
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Hilo, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $882 $1,279 $1,599
Maintenance/oil................................................. 416 422 449
Tires........................................................... 120 168 178
License and registration........................................ 101 115 124
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 3,629 3,201 3,631
Finance expense................................................. 919 851 1,082
[[Page 61397]]
Insurance....................................................... 2,024 2,171 2,366
-----------------------------------------------
Total annual cost........................................... 8,091 8,207 9,429
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Kailua Kona, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $936 $1,358 $1,697
Maintenance/oil................................................. 444 510 478
Tires........................................................... 95 174 139
License and registration........................................ 101 115 124
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,631 3,421 3,613
Finance expense................................................. 755 914 1,106
Insurance....................................................... 1,457 1,368 1,742
-----------------------------------------------
Total annual cost........................................... 6,419 7,860 8,899
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis--Hawaii Composite
[Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Location Weights Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Hilo, HI........................................ 83.17 $8,091 $8,207 $9,429
Kailua Kona, HI................................. 16.83 6,419 7,860 8,899
---------------------------------------------------------------
Total weight................................ 100.00 .............. .............. ..............
===============================================================
Composite cost.............................. .............. 7,810 8,149 9,340
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Kauai, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $882 $1,279 $1,599
Maintenance/oil................................................. 386 427 467
Tires........................................................... 75 112 95
License and registration........................................ 101 115 124
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 3,463 3,441 4,298
Finance expense................................................. 851 857 1,153
Insurance....................................................... 1,327 1,274 1,596
-----------------------------------------------
Total annual cost........................................... 7,085 7,505 9,332
----------------------------------------------------------------------------------------------------------------
[[Page 61398]]
Private Transportation Cost Analysis
[Location: Maui, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $893 $1,295 $1,618
Maintenance/oil................................................. 439 524 500
Tires........................................................... 113 140 149
License and registration........................................ 101 115 124
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,631 3,175 3,907
Finance expense................................................. 786 904 1,209
Insurance....................................................... 1,825 1,825 2,063
-----------------------------------------------
Total annual cost........................................... 6,788 7,978 9,570
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Guam Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $784 $1,137 $1,421
Maintenance/oil................................................. 295 327 414
Tires........................................................... 83 125 203
License and registration........................................ 23 25 27
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,504 4,261 2,818
Finance expense................................................. 834 1,223 1,092
Insurance....................................................... 1,088 1,587 1,879
-----------------------------------------------
Total annual cost........................................... 5,611 8,685 7,854
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Mayaguez, PR, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $619 897 $1,121
Maintenance/oil................................................. 284 310 429
Tires........................................................... 68 147 113
License and registration........................................ 88 88 88
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,980 3,641 3,619
Finance expense................................................. 937 1,091 1,265
Insurance....................................................... 1,224 1,447 1,666
-----------------------------------------------
Total annual cost........................................... 6,200 7,621 8,301
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: San Juan, PR, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $592 $858 $1,073
Maintenance/oil................................................. 289 308 352
Tires........................................................... 57 96 135
License and registration........................................ 88 88 88
Miscellaneous tax............................................... 0 0 0
[[Page 61399]]
Depreciation.................................................... 3,056 3,622 3,594
Finance expense................................................. 954 1,087 1,260
Insurance....................................................... 1,416 1,616 1,829
-----------------------------------------------
Total annual cost........................................... 6,452 7,675 8,331
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis--Puerto Rico Composite
[Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Location Weights Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
San Juan, PR.................................... 88.90 $6,452 $7,675 $8,331
Mayaguez, PR.................................... 11.10 6,200 7,621 8,301
---------------------------------------------------------------
Total weight................................ 100.00 .............. .............. ..............
===============================================================
Composite cost.............................. .............. 6,424 7,669 8,328
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: St. Croix, VI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $608 $881 1,102
Maintenance/oil................................................. 323 278 396
Tires........................................................... 80 143 133
License and registration........................................ 47 56 68
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,809 3,554 3,241
Finance expense................................................. 936 1,115 1,231
Insurance....................................................... 1,876 2,262 2,745
-----------------------------------------------
Total annual cost........................................... 6,679 8,289 8,916
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: St. Thomas, VI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $629 $912 $1,140
Maintenance/oil................................................. 345 396 437
Tires........................................................... 86 110 126
License and registration........................................ 47 56 68
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 3,020 3,651 4,121
Finance expense................................................. 862 997 1,251
Insurance....................................................... 1,429 1,477 2,466
-----------------------------------------------
Total annual cost........................................... 6,418 7,599 9,609
----------------------------------------------------------------------------------------------------------------
[[Page 61400]]
Private Transportation Cost Analysis--Virgin Islands Composite
[Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Location Weights Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
St. Croix, VI................................... 45.09 $6,679 $8,289 $8,916
St. Thomas, VI.................................. 54.91 6,418 7,599 9,609
---------------------------------------------------------------
Total weight................................ 100.00 .............. .............. ..............
===============================================================
Composite cost.............................. .............. 6,536 7,910 9,297
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington DC, DC Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $649 $941 $1,177
Maintenance/oil................................................. 444 449 507
Tires........................................................... 48 75 87
License and registration........................................ 69 69 102
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,836 3,311 2,887
Finance expense................................................. 568 639 694
Insurance....................................................... 1,558 1,616 1,994
-----------------------------------------------
Total annual cost........................................... 6,172 7,100 7,448
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington, DC, MD, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $633 $918 $1,147
Maintenance/oil................................................. 389 400 426
Tires........................................................... 78 104 106
License and registration........................................ 39 39 39
Miscellaneous tax............................................... 0 0 0
Depreciation.................................................... 2,602 3,130 2,725
Finance expense................................................. 530 608 665
Insurance....................................................... 956 982 1,096
-----------------------------------------------
Total annual costs.......................................... 5,227 6,181 6,204
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis
[Location: Washington DC, VA, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Category Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................ $622 $902 $1,127
Maintenance/oil................................................. 406 489 464
Tires........................................................... 54 72 96
License and registration........................................ 52 52 52
Miscellaneous tax............................................... 297 340 491
Depreciation.................................................... 2,673 3,213 2,701
Finance expense................................................. 497 570 609
[[Page 61401]]
Insurance....................................................... 729 719 773
-----------------------------------------------
Total annual cost........................................... 5,330 6,357 6,313
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis--Washington DC Composite
[Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
Location Weights Honda Civic Ford Taurus Chevrolet S10
1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6
4 dr sedan 4 dr sedan cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Washington DC, DC............................... 33.34 $6,172 $7,100 $7,448
Washington DC, MD............................... 33.33 5,227 6,181 6,204
Washington DC, VA............................... 33.33 5,330 6,357 6,313
---------------------------------------------------------------
Total weight................................ 100.00 .............. .............. ..............
===============================================================
Composite cost.............................. .............. 5,576 6,546 6,655
----------------------------------------------------------------------------------------------------------------
Appendix 16.--Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: Guam]
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
DC
BI 25/50........................ 160.33 160.33 160.33 BI 25/50........... 517.40 517.40 504.30 30.99 30.99 31.79
PD 20........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... .........
Med 2........................... 17.67 17.67 17.67 Med................ ......... ......... ......... ......... ......... .........
UM 25/50........................ ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... .........
CM 100.......................... 265.67 422.33 573.33 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 200.......................... 576.67 893.33 1,028.67 CL 250............. 542.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total*.................... 1,002.67 1,475.99 1,762.33 Total.......... 1,310.90 1,367.75 1,748.30 76.49 107.91 100.80
MD
BI 25/40........... 465.80 465.80 465.80 34.42 34.42 34.42
PD 10.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/40........... ......... ......... ......... ......... ......... .........
CM 500............. 125.70 149.62 179.92 ......... ......... .........
CL 500............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total.......... 916.80 950.62 1,034.50 109.37 155.27 170.36
VA
BI 25/50........... 276.97 282.83 264.97 57.89 56.69 60.51
PD 20.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/50........... ......... ......... ......... ......... ......... .........
CM 500............. 100.73 105.94 139.24 ......... ......... .........
CL 500............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total.......... 619.23 628.35 664.97 161.92 234.90 265.02
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 176.67 174.93 175.14 BI 100/300......... 638.61 648.61 627.16 197.89 200.99 199.39
PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... .........
Med 2........................... 17.67 17.67 17.67 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... 50.95 79.17 84.32 UM 100/300......... 71.35 71.35 71.35 54.57 77.00 71.92
CM 100.......................... 265.67 422.33 573.33 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 200.......................... 576.67 893.33 1,028.67 CL 250............. 542.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total**................... 1,087.63 1,587.43 1,879.14 Total.......... 1,503.46 1,570.31 1,942.51 ......... ......... .........
MD
BI 100/300......... 423.30 400.08 400.08 145.70 137.71 137.71
PD 50.............. In BI In BI In BI ......... ......... .........
[[Page 61402]]
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 47.55 60.15 61.55 52.00 93.39 104.85
CM 100............. 125.70 149.62 179.92 ......... ......... .........
CL 250............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total.......... 921.85 945.05 1,030.33 ......... ......... .........
VA
BI 100/300......... 322.05 328.25 311.25 186.43 186.08 188.33
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 28.58 28.58 28.75 46.28 67.13 76.19
CM 100............. 100.73 105.94 139.24 ......... ......... .........
CL 250............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total.......... 692.89 702.35 740.00 ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable BI/PD coverage was priced in the allowance and in the reference area, and premiums were compared to derive indexes. These indexes were
used to estimate the cost of equivalent coverage in allowance area. Uninsured Motorist premiums were adjusted using the relative total cost of
premiums (less Medical coverage where applicable), and Medical premiums were not adjusted because they were not part of the reference area normal
coverage.
*Less Medical.
**Including Medical.
Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: Mayaguez]
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
DC
BI 100/300...................... 153.77 153.77 153.77 BI 100/300......... 638.61 648.61 627.16 ......... ......... .........
PD 50........................... 133.83 133.83 133.83 PD 50.............. In BI In BI In BI ......... ......... .........
Med 5........................... 5.40 5.40 5.40 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100.......................... 414.23 558.53 700.27 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 250.......................... 459.77 523.60 598.03 CL 250............. 542.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total*.................... 1,161.60 1,369.73 1,585.90 Total............ 1,432.11 1,498.96 1,871.16 81.11 91.38 84.75
MD
BI 100/300......... 423.30 400.08 400.08 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 125.70 149.62 179.92 ......... ......... .........
CL 250............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total............ 874.30 884.90 968.78 132.86 154.79 163.70
VA
Bl 100/300......... 322.05 328.25 311.25 ......... ......... .........
PD 50.............. In Bl In Bl In Bl ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 100.73 105.94 139.24 ......... ......... .........
CL 250............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total............ 664.31 673.77 711.25 174.86 203.29 222.97
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 153.77 153.77 153.77 BI 100/300......... 638.61 648.61 627.16 ......... ......... .........
PD50............................ 133.83 133.83 133.83 PD50............... In BI In BI In BI ......... ......... .........
Med 2........................... 5.40 5.40 5.40 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... 57.01 72.14 75.11 UM 100/30.......... 71.35 71.35 71.35 57.87 65.20 60.47
CM 100.......................... 414.23 558.53 700.27 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 200.......................... 459.77 523.6 598.03 CL 250............. 524.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total**..................... 1,224.01 1,447.27 1,666.41 Total............ 1,503.46 1,570.31 1,942.51 ......... ......... .........
MD
BI 100/300......... 423.30 400.08 400.08 ......... ......... .........
PD50............... In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/30.......... 47.55 60.15 61.55 63.18 93.11 100.76
CM 100............. 125.70 149.62 179.92 ......... ......... .........
CL 250............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total............ 921.85 945.05 1,030.33 ......... ......... .........
VA ......... ......... ......... ......... ......... .........
BI 100/300......... 322.05 328.25 311.25 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
[[Page 61403]]
UM 100/30.......... 28.58 28.58 28.75 49.97 58.10 64.10
CM 100............. 100.73 105.94 139.24 ......... ......... .........
CL 250............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total............ 692.89 702.35 740.00 ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced
in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less than Medical and Uninsured Motorist
premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference area Uninsured Motorist premiums.
*Less Medical
**Including Medical
Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: San Juan]
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
DC
BI 100/300...................... 180.80 180.80 180.80 BI 100/300......... 638.61 648.61 627.16 ......... ......... .........
PD 50........................... 151.30 151.30 151.30 PD 50.............. In BI In BI In BI ......... ......... .........
Med 5........................... 7.67 7.67 7.67 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100.......................... 549.50 689.73 840.00 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 250.......................... 460.90 505.67 566.73 CL 250............. 542.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total*.................... 1,342.50 1,527.50 1,738.83 Total............ 1,432.11 1,498.96 1,871.16 93.74 101.90 92.93
MD
BI 100/300......... 423.30 400.08 400.08 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 125.70 149.62 179.92 ......... ......... .........
CL 250............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total............ 874.30 884.90 968.78 153.55 172.62 179.49
VA
BI 100/300......... 322.05 328.25 311.25 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 100.73 105.94 139.24 ......... ......... .........
CL 250............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total............ 664.31 673.77 711.25 202.09 226.71 244.48
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 180.80 180.80 180.80 BI 100/300......... 638.61 648.61 627.16 ......... ......... .........
PD 50........................... 151.30 151.30 151.30 PD 500............. In BI In BI In BI ......... ......... .........
Med 2........................... 7.67 7.67 7.67 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... 65.89 80.44 82.35 UM 100/300......... 71.35 71.35 71.35 66.89 72.71 66.30
CM 100.......................... 549.50 689.73 840.00 CM 100............. 251.26 261.91 441.14 ......... ......... .........
CL 200.......................... 460.90 505.67 566.73 CL 250............. 542.24 588.44 802.86 ......... ......... .........
--------------------------------- -----------------------------------------------------------------
Total**..................... 1,416.06 1,615.61 1,828.85 Total............ 1,503.46 1,570.31 1,942.51 ......... ......... .........
MD
BI 100/300......... 423.30 400.08 400.08 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 47.55 60.15 61.55 73.01 103.83 110.47
CM 100............. 125.70 149.62 179.92 ......... ......... .........
CL 250............. 325.30 335.20 388.78 ......... ......... .........
-----------------------------------------------------------------
Total............ 921.85 945.05 1,030.33 ......... ......... .........
VA
BI 100/300......... 322.05 328.25 311.25 ......... ......... .........
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 28.58 28.58 28.75 57.76 64.79 70.29
CM 100............. 100.73 105.94 139.24 ......... ......... .........
CL 250............. 241.53 239.58 260.76 ......... ......... .........
-----------------------------------------------------------------
Total............ 692.89 702.35 740.00 ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced
in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical and Uninsured Motorist
premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference are Uninsured Motorist premiums.
*Less Medical
**Including Medical
[[Page 61404]]
Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: St. Croix]
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
DC
BI 10/20........................ 339.61 336.76 296.00 BI 25/50........... 517.40 517.40 504.30 65.64 65.09 58.70
PD 10........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... .........
Med 5........................... 41.17 40.84 40.00 Med................ ......... ......... ......... ......... ......... .........
UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... .........
CM 250.......................... 392.07 422.37 571.34 CM 500............. 171.92 164.82 307.50 228.05 256.26 185.80
CL 500.......................... 781.63 984.36 1,321.19 CL 500............. 432.14 443.99 579.63 180.87 221.71 227.94
--------------------------------- -----------------------------------------------------------------
Total*...................... 1,513.31 1,743.49 2,188.53 Total.............. 1,121.46 1,126.21 1,391.43 134.94 154.81 157.29
MD
BI 25/40........... 465.80 465.80 465.80 72.91 72.30 63.55
PD 10.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/40........... ......... ......... ......... ......... ......... .........
CM 500............. 109.20 107.30 155.30 359.04 393.63 367.89
CL 500............. 364.80 337.80 423.20 214.26 291.40 312.19
-----------------------------------------------------------------
Total.............. 939.80 910.90 1,044.30 161.02 191.40 209.57
VA
BI 25/50........... 276.97 282.83 264.97 122.62 119.07 111.71
PD 20.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/50........... ......... ......... ......... ......... ......... .........
CM 500............. 73.95 77.50 106.47 530.18 544.99 536.62
CL 500............. 211.03 208.87 225.78 370.39 471.28 585.17
-----------------------------------------------------------------
Total.............. 561.95 569.20 597.22 269.30 306.31 366.45
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 374.23 367.42 323.25 BI 100/300......... 638.61 648.61 627.16 419.17 422.16 368.11
PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... .........
Med 2........................... 41.17 40.84 40.00 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... 83.27 104.38 115.52 UM 100/300......... 71.35 71.35 71.35 96.28 110.46 112.22
CM 100.......................... 519.46 612.50 742.92 CM 100............. 251.26 261.91 441.14 573.01 671.17 819.65
CL 200.......................... 857.46 1,136.83 1,523.21 CL 250............. 542.24 588.44 802.86 980.77 1,304.62 1,830.01
--------------------------------- -----------------------------------------------------------------
Total**..................... 1,875.58 2,261.96 2,745.00 Total.............. 1,503.46 1,570.31 1,942.51 2,069.23 2,508.41 3,130.00
MD
BI 100/300......... 423.30 400.08 400.08 308.62 289.25 254.24
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 47.55 60.15 61.55 76.57 115.13 128.99
CM 100............. 125.70 149.62 179.92 451.31 588.96 661.92
CL 250............. 325.30 335.20 388.78 697.00 976.78 1,213.73
-----------------------------------------------------------------
Total.............. 921.85 945.05 1,030.33 1,533.50 1,970.11 2,258.88
VA
BI 100/300......... 322.05 328.25 311.25 394.89 390.84 347.70
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N./A N/A ......... ......... .........
UM 100/300......... 28.58 28.58 28.75 76.96 87.54 105.36
CM 100............. 100.73 105.94 139.24 534.05 577.37 747.19
CL 250............. 241.53 239.58 260.76 894.60 1,129.09 1,525.88
-----------------------------------------------------------------
Total.............. 692.89 702.35 740.00 1,900.50 2,184.84 2,726.13
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of
coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent
coverage in allownace area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less
Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference to normal coverage.
*Less Medical
**Including Medical
Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: St. Thomas]
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
DC
BI 10/20........................ 277.81 278.39 296.00 BI 25/50........... 517.40 517.40 504.30 53.69 53.81 58.70
PD 10........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... .........
Med 5........................... 38.20 38.19 48.00 Med................ ......... ......... ......... ......... ......... .........
UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... .........
CM 250.......................... 304.29 293.46 388.00 CM 500............. 171.92 164.82 307.50 177.00 178.05 126.18
[[Page 61405]]
CL 500.......................... 563.66 555.77 1,289.00 CL 500............. 432.14 443.99 579.63 130.43 125.18 222.38
--------------------------------- -----------------------------------------------------------------
Total*...................... 1,145.76 1,127.62 1,973.00 Total.......... 1,121.46 1,126.21 1,391.43 102.17 100.13 141.80
MD
BI 25/40........... 465.80 465.80 465.80 59.64 59.77 63.55
PD 10.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/40........... ......... ......... ......... ......... ......... .........
CM 500............. 109.20 107.30 155.30 278.65 273.49 249.84
CL 500............. 364.80 337.80 423.20 154.51 164.53 304.58
--------------------------------- -----------------------------------------------------------------
Total.......... 939.80 910.90 1,044.30 121.92 123.79 188.93
VA
BI 25/50........... 276.97 282.83 264.97 100.30 98.43 111.71
PD 20.............. In BI In BI In BI ......... ......... .........
Med................ ......... ......... ......... ......... ......... .........
UM 25/50........... ......... ......... ......... ......... ......... .........
CM 500............. 73.95 77.50 106.47 411.48 378.66 364.42
CL 500............. 211.03 208.87 225.78 267.10 266.08 570.91
--------------------------------- -----------------------------------------------------------------
Total.......... 561.95 569.20 597.22 203.89 198.11 330.36
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 306.13 303.73 323.35 BI 100/300......... 638.61 648.61 627.16 342.89 348.99 368.11
PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... .........
Med 2........................... 38.20 38.19 48.00 Med................ N/A N/A N/A ......... ......... .........
UM 100/300...................... 63.05 67.51 104.15 UM 100/300......... 71.35 71.35 71.35 72.90 71.44 101.17
CM 100.......................... 403.16 425.56 504.52 CM 100............. 251.26 261.91 441.14 444.72 466.33 556.63
CL 200.......................... 618.34 641.85 1,486.10 CL 250............. 542.24 588.44 802.85 707.27 736.59 1,785.43
--------------------------------- -----------------------------------------------------------------
Total**................... 1,428.87 1,476.84 2,466.11 Total.......... 1,503.46 1,570.31 1,942.51 1,567.77 1,623.34 2,811.34
MD
BI 100/300......... 423.30 400.08 400.08 252.46 239.11 254.24
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 47.55 60.15 61.55 57.97 74.46 116.29
CM 100............. 125.70 149.62 179.92 350.27 409.20 449.51
CL 250............. 325.30 335.20 388.78 502.63 551.49 1,184.16
-----------------------------------------------------------------
Total.......... 921.85 945.05 1,030.33 1,163.33 1,274.27 2,004.20
VA
BI 100/300......... 322.05 328.25 311.25 323.03 323.10 347.70
PD 50.............. In BI In BI In BI ......... ......... .........
Med................ N/A N/A N/A ......... ......... .........
UM 100/300......... 28.58 28.58 28.75 58.27 56.62 94.98
CM 100............. 100.73 105.94 139.24 414.48 401.15 507.42
CL 250............. 241.53 239.58 260.76 645.13 637.48 1,488.70
--------------------------------------------------------------------------------------
Total.......... 692.89 702.35 740.00 1,440.91 1,418.35 2,438.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of
coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent
coverage in allowance area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less
Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference are normal coverage.
*Less Medical
**Including Medical
Appendix 17.--Air Fares and Other Transportation Expenses Cost Analysis Summary Program
[Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Air fares and
other Total cost DC
Location transportation area Index
expenses cost
----------------------------------------------------------------------------------------------------------------
Honolulu, HI.................................................... $289 $441 65.53
Hawaii County, HI............................................... 427 441 96.83
Kauai County, HI................................................ 419 441 95.01
Maui County, HI................................................. 429 441 97.28
Guam............................................................ 1171 441 265.53
Puerto Rico..................................................... 639 441 144.90
Virgin Islands.................................................. 697 441 158.05
----------------------------------------------------------------------------------------------------------------
[[Page 61406]]
Air Fares and Other Transportation Expenses Composites
[Summer 1994 Survey]
------------------------------------------------------------------------
Location Weights Cost
------------------------------------------------------------------------
San Juan, PR............................ 88.90 $639
Mayaguez, PR............................ 11.10 639
-------------------------------
Total Weight........................ 100.00 ..............
===============================
Puerto Rico cost........................ .............. 639
Hilo, HI................................ 83.17 429
Kailua Kona, HI......................... 16.83 419
-------------------------------
Total Weight........................ 100.00 ..............
===============================
Hawaii County, HI cost.................. .............. 427
St. Croix, VI........................... 45.09 697
St. Thomas, VI.......................... 54.91 697
-------------------------------
Total Weight........................ 100.00 ..............
===============================
Virgin Islands cost..................... .............. 697
------------------------------------------------------------------------
Appendix 18.--Transportation Analysis
[Location: Honolulu, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... 6,770 5,576 121.41
2. Fort Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,940 6,546 121.30
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 7,891 6,655 118.57
-----------------------------------------------
Average index............................................... .............. .............. 120.43
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 120.43 94.64 113.98 93.54 112.65 92.47 111.36
Air fares and other transportation expenses.................. 65.53 5.36 3.51 6.46 4.23 7.53 4.93
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 117.49 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 116.88 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 116.29
--------------------------------------------------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Hawaii County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $7,810 $5,576 140.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 8,149 6,546 124.49
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,340 6,655 140.35
-----------------------------------------------
Average index............................................... .............. .............. 134.97
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 134.97 94.64 127.74 93.54 126.26 92.47 124.81
[[Page 61407]]
Air fares and other transportation expenses.................. 96.83 5.36 5.19 6.46 6.25 7.53 7.29
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 132.93 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 132.51 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 132.10
--------------------------------------------------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Kauai County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4cyl............................ $7,085 $5,576 127.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,505 6,546 114.65
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,332 6,655 140.23
-----------------------------------------------
Average index............................................... .............. .............. 127.31
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 127.31 94.64 120.49 93.54 119.09 92.47 117.72
Air fares and other transportation expenses.................. 95.01 5.36 5.09 6.46 6.13 7.53 7.15
------------------------------------------------------------------------------------------
Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 125.58 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 125.22 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 124.87
--------------------------------------------------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Maui County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,788 $5,576 121.74
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,978 6,546 121.88
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,570 6,655 143.80
-----------------------------------------------
Average index............................................... .............. .............. 129.14
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 129.14 94.64 122.22 93.54 120.80 92.47 119.42
Air fares and other transportation expenses.................. 97.28 5.36 5.21 6.46 6.28 7.53 7.32
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 127.43 ........... ........... ........... ...........
[[Page 61408]]
Middle................................................. ........... ........... ........... ........... 127.08 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 126.74
--------------------------------------------------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Guam; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $5,611 $5,576 100.63
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 8,685 6,546 132.68
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 7,854 6,655 118.02
-----------------------------------------------
Average index............................................... .............. .............. 117.11
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 117.11 94.64 110.84 93.54 109.55 92.47 108.29
Air fares and other transportation expenses.................. 265.53 5.36 14.22 6.46 17.14 7.53 19.99
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 125.06 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 126.69 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 128.28
--------------------------------------------------------------------------------------------------------------------------------------------------------
Transportation Analysis
[Location: Puerto Rico; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,424 $5,576 115.21
2. Ford Taurus GL 4 dr Sedan 3.0L 6 cyl......................... 7,669 6,549 117.16
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 8,328 6,655 125.14
-----------------------------------------------
Average index............................................... .............. .............. 119.17
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 119.17 94.64 112.79 93.54 111.48 92.47 110.20
Air Fares and other transportation expenses.................. 144.90 5.36 7.76 6.46 9.35 7.53 10.31
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 120.55 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 120.83 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 121.11
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61409]]
Transportation Analysis
[Location: Virgin Islands; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
Vehicle cost area Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,536 $5,576 117.22
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,910 6,546 120.84
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,297 6,655 139.70
-----------------------------------------------
Average index............................................... .............. .............. 125.92
----------------------------------------------------------------------------------------------------------------
Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation....................................... 125.92 94.64 119.18 93.54 117.79 92.47 116.44
Air fares and other transportation expenses.................. 158.05 5.36 8.47 6.46 10.20 7.53 11.90
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 127.65 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 127.99 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 128.34
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appendix 19--Miscellaneous Expense Analysis--Category Index Development
[Location: Honolulu, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 104.94
Nonprescription pain reliever..... 8.3800 5.5800 1.5018 4.9 7.36 ...........
Tetracycline...................... 5.9200 5.3000 1.1170 12.2 13.66 ...........
Vision check...................... 67.2400 51.1700 1.3141 5.5 7.17 ...........
Dental service.................... 128.0000 108.5600 1.1791 16.1 18.97 ...........
Doctor visit...................... 38.9600 55.8300 0.6978 15.9 11.11 ...........
Hospital room..................... 581.5000 445.2300 1.3061 4.1 5.37 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 104.94 41.50 43.55 31.33 32.87 23.51 24.68
2. Cash contributions:
Lower income............................................. 116.33 15.80 18.38 0.00 0.00 0.00 0.00
Middle income............................................ 115.43 0.00 0.00 16.85 19.45 0.00 0.00
Upper income............................................. 114.55 0.00 0.00 0.00 0.00 17.65 20.22
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 104.63 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 104.14 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: Hilo, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 105.53
Nonprescription pain reliever..... 7.4600 5.5800 1.3369 4.9 6.55 ...........
[[Page 61410]]
Tetracycline...................... 6.6000 5.3000 1.2453 12.2 15.23 ...........
Vision check...................... 67.6000 51.1700 1.3211 5.5 7.21 ...........
Dental service.................... 133.0000 108.5600 1.2251 16.1 19.71 ...........
Doctor visit...................... 37.0000 55.8300 0.6627 15.9 10.55 ...........
Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 105.53 41.50 43.79 31.33 33.06 23.51 24.81
2. Cash contributions:
Lower income............................................. 115.28 15.80 18.21 0.00 0.00 0.00 0.00
Middle income............................................ 114.53 0.00 0.00 16.85 19.30 0.00 0.00
Upper income............................................. 113.81 0.00 0.00 0.00 0.00 17.65 20.09
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 104.70 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 104.18 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: Kailua Kona, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 116.44
Nonprescription pain reliever..... 8.5700 5.5800 1.5358 4.9 7.53 ...........
Tetracycline...................... 7.1400 5.3000 1.3472 12.2 16.48 ...........
Vision check...................... 65.0000 51.1700 1.2703 5.5 6.94 ...........
Dental service.................... 156.7000 108.5600 1.4434 16.1 23.22 ...........
Doctor visit...................... 57.3300 55.8300 1.0269 15.9 16.35 ...........
Hospital room..................... 500.0000 445.2300 1.1230 4.1 4.62 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 116.44 41.50 48.32 31.33 36.48 23.51 27.38
2. Cash contributions:
Lower income............................................. 116.07 15.80 18.34 0.00 0.00 0.00 0.00
Middle income............................................ 115.35 0.00 0.00 16.85 19.44 0.00 0.00
Upper income............................................. 114.63 0.00 0.00 0.00 0.00 17.65 20.24
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 109.36 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 107.74 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 106.45
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61411]]
Miscellaneous Expense Analysis--Hawaii County Composite
[Summer 1994 Survey]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
Hilo, HI.................... 83.17 104.70 104.18 103.73
Kailua Kona, HI............. 16.83 109.36 107.74 106.45
-------------------------------------------
Total weight............ 100.00 ......... ......... .........
Composite indexes....... ......... 105.48 104.78 104.19
------------------------------------------------------------------------
Miscellaneous Expense Account--Category Index Development
[Location: Kauai County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 110.96
Nonprescription pain reliever..... 8.6200 5.5800 1.5448 4.9 7.57 ...........
Tetracycline...................... 7.3700 5.3000 1.3906 12.2 17.01 ...........
Vision check...................... 63.0000 51.1700 1.2312 5.5 6.72 ...........
Dental service.................... 142.6700 108.5600 1.3142 16.1 21.15 ...........
Doctor visit...................... 42.9000 55.8300 0.7684 15.9 12.23 ...........
Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 110.96 41.50 46.05 31.33 34.76 23.51 26.09
2. Cash contributions:
Lower income............................................. 119.18 15.80 18.83 0.00 0.00 0.00 0.00
Middle income............................................ 118.11 0.00 0.00 16.85 19.90 0.00 0.00
Upper income............................................. 117.09 0.00 0.00 0.00 0.00 17.65 20.67
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 107.58 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 106.48 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 105.59
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: Maui County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 114.37
Nonprescription pain reliever..... 9.3100 5.5800 1.6685 4.9 8.18 ...........
Tetracycline...................... 6.5600 5.3000 1.2377 12.2 15.14 ...........
Vision check...................... 55.7300 51.1700 1.0891 5.5 5.95 ...........
Dental service.................... 159.4200 108.5600 1.4685 16.1 23.63 ...........
Doctor visit...................... 53.2700 55.8300 0.9541 15.9 15.19 ...........
Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
[Location: Maui County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 114.37 41.50 47.46 31.33 35.83 23.51 26.89
[[Page 61412]]
2. Cash contributions: ........... ........... ........... ........... ........... ........... 0.00
Lower income............................................. 120.24 15.80 19.00 0.00 0.00 0.00 0.00
Middle income............................................ 119.37 0.00 0.00 16.85 20.11 0.00 0.00
Upper income............................................. 118.54 0.00 0.00 0.00 0.00 17.65 20.93
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 109.16 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 107.76 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 106.65
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: Guam; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 100.03
Nonprescription pain reliever..... 9.6100 5.5800 1.7222 4.9 8.44 ...........
Tetracycline...................... 4.3000 5.3000 0.8113 12.2 9.92 ...........
Vision check...................... 20.0000 51.1700 0.3909 5.5 2.13 ...........
Dental service.................... 172.0000 108.5600 1.5844 16.1 25.49 ...........
Doctor visit...................... 37.3300 55.8300 0.6686 15.9 10.64 ...........
Hospital room..................... 229.0000 445.2300 0.5143 4.1 2.11 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 100.03 41.50 41.51 31.33 31.34 23.51 23.52
2. Cash contributions:
Lower income............................................. 115.98 15.80 18.33 0.00 0.00 0.00 0.00
Middle income............................................ 116.04 0.00 0.00 16.85 19.55 0.00 0.00
Upper income............................................. 116.11 0.00 0.00 0.00 0.00 17.65 20.50
3. Personal Insurance/Pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 102.54 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 102.71 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 102.85
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: Mayaguez, PR; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 76.60
Nonprescription pain reliever..... 5.9500 5.5800 1.0663 4.9 5.22 ...........
Tetracycline...................... 3.4300 5.3000 0.6472 12.2 7.92 ...........
Vision check...................... 26.6700 51.1700 0.5212 5.5 2.85 ...........
Dental service.................... 73.3300 108.5600 0.6755 16.1 10.87 ...........
Doctor visit...................... 21.6700 55.8300 0.3881 15.9 6.18 ...........
Hospital room..................... 245.0000 445.2300 0.5503 4.1 2.26 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
[[Page 61413]]
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 76.60 41.50 31.79 31.33 24.00 23.51 18.01
2. Cash contributions:
Lower income............................................. 93.40 15.80 14.76 0.00 0.00 0.00 0.00
Middle income............................................ 92.90 0.00 0.00 16.85 15.65 0.00 0.00
Upper income............................................. 92.40 0.00 0.00 0.00 0.00 17.65 16.31
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 89.25 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 91.47 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 93.15
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: San Juan, PR; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 77.79
Nonprescription pain reliever..... 5.5100 5.5800 0.9875 4.9 4.84 ...........
Tetracycline...................... 3.4300 5.3000 0.6472 12.2 7.92 ...........
Vision check...................... 32.5000 51.1700 0.6351 5.5 3.47 ...........
Dental service.................... 65.0000 108.5600 0.5987 16.1 9.63 ...........
Doctor visit...................... 30.0000 55.8300 0.5373 15.9 8.55 ...........
Hospital room..................... 225.0000 445.2300 0.5054 4.1 2.08 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 77.79 41.50 32.28 31.33 24.37 23.51 18.29
2. Cash contributions:
Lower income............................................. 103.10 15.80 16.29 0.00 0.00 0.00 0.00
Middle income............................................ 103.14 0.00 0.00 16.85 17.38 0.00 0.00
Upper income............................................. 103.17 0.00 0.00 0.00 0.00 17.65 18.21
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights............................................ ........... 100.000 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower.................................................. ........... ........... 91.27 ........... ........... ........... ...........
Middle................................................. ........... ........... ........... ........... 93.57 ........... ...........
Upper.................................................. ........... ........... ........... ........... ........... ........... 95.33
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Puerto Rico Composite
[Summer 1994 Survey]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
San Juan, PR................ 88.90 91.27 93.57 95.33
Mayaguez, PR................ 11.10 89.25 91.47 93.15
-------------------------------------------
Total weight.......... 100.00 ......... ......... .........
Composite indexes..... ......... 91.05 93.34 95.09
------------------------------------------------------------------------
[[Page 61414]]
Miscellaneous Expense Analysis--Category Index Development
[Location: St. Croix, VI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price Area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 84.45
Nonprescription pain reliever..... 6.1600 5.5800 1.1039 4.9 5.41 ...........
Tetracycline...................... 5.9300 5.3000 1.1189 12.2 13.68 ...........
Vision check...................... 46.6700 51.1700 0.9121 5.5 4.98 ...........
Dental service.................... 57.3300 108.5600 0.5281 16.1 8.50 ...........
Doctor visit...................... 30.0000 55.8300 0.5373 15.9 8.55 ...........
Hospital room..................... 220.0000 445.2300 0.4941 4.1 2.03 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 84.45 41.50 35.04 31.33 26.46 23.51 19.86
2. Cash contributions:
Lower income............................................. 105.06 15.80 16.60 0.00 0.00 0.00 0.00
Middle income............................................ 104.67 0.00 0.00 16.85 17.64 0.00 0.00
Upper income............................................. 104.27 0.00 0.00 0.00 0.00 17.65 18.41
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 94.34 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 95.92 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 97.10
--------------------------------------------------------------------------------------------------------------------------------------------------------
Miscellaneous Expense Analysis--Category Index Development
[Location: St. Thomas, VI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Category/item Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Medical care...................... ........... ........... ........... ........... ........... 126.87
Nonprescription pain reliever..... 8.0500 5.5800 1.4427 4.9 7.07 ...........
Tetracycline...................... 16.1400 5.3000 3.0453 12.2 37.24 ...........
Vision check...................... 45.0000 51.1700 0.8794 5.5 4.80 ...........
Dental service.................... 97.0000 108.5600 0.8935 16.1 14.38 ...........
Doctor visist..................... 63.3300 55.8300 1.1343 15.9 18.06 ...........
Hospital room..................... 435.0000 445.2300 0.9770 4.1 4.02 ...........
Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ...........
----------------------------------------------------------------------------------------------------------------
Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care.............................................. 126.87 41.50 52.65 31.33 39.74 23.51 29.83
2. Cash contributions:
Lower income............................................. 108.23 15.80 17.10 0.00 0.00 0.00 0.00
Middle income............................................ 108.20 0.00 0.00 16.85 18.23 0.00 0.00
Upper income............................................. 108.11 0.00 0.00 0.00 0.00 17.65 19.09
3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83
------------------------------------------------------------------------------------------
Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
------------------------------------------------------------------------------------------
Total indexes:
Lower................................................ ........... ........... 112.45 ........... ........... ........... ...........
Middle............................................... ........... ........... ........... ........... 109.79 ........... ...........
Upper................................................ ........... ........... ........... ........... ........... ........... 107.75
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 61415]]
Miscellaneous Expense Analysis--Virgin Islands Composite
[Summer 1994 Survey]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
St. Croix, VI............... 45.09 94.34 95.92 97.10
St. Thomas, VI.............. 54.91 112.45 109.79 107.75
-------------------------------------------
Total weight.......... 100.00 ......... ......... .........
Composite indexes..... 104.28 103.54 102.95
------------------------------------------------------------------------
BILLING CODE 6325-01-U-M
[[Page 61416]]
[GRAPHIC][TIFF OMITTED]TN29NO95.005
[[Page 61417]]
[GRAPHIC][TIFF OMITTED]TN29NO95.006
[FR Doc. 95-28905 Filed 11-28-95; 8:45 am]
BILLING CODE 6325-01-U-M
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