[Federal Register Volume 62, Number 57 (Tuesday, March 25, 1997)]
[Notices]
[Pages 14190-14273]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 97-7362]
Federal Register / Vol. 62, No. 57 / Tuesday, March 25, 1997 /
Notices
[[Page 14190]]
OFFICE OF PERSONNEL MANAGEMENT
Report on 1996 Surveys Used to Determine Cost-of-Living
Allowances in Nonforeign Areas
AGENCY: Office of Personnel Management.
ACTION: Notice.
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SUMMARY: This notice publishes the ``Report on 1996 Surveys Used to
Determine Cost-of-Living Allowances in Nonforeign Areas.'' The surveys
were conducted by Runzheimer International under contract with the
Office of Personnel Management (OPM). The analyses and report were
prepared by OPM. The results of the surveys are used to determine cost-
of-living allowances (COLA's) paid to General Schedule, U.S. Postal
Service, and certain other Federal employees in Alaska, Hawaii, Guam
and the Commonwealth of the Northern Mariana Islands, Puerto Rico, and
the U.S. Virgin Islands. This report provides the basis for the
increases in certain COLA rates being published by OPM in the interim
rulemaking immediately preceding this notice.
DATES: Comments must be received on or before June 23, 1997.
ADDRESSES: Send or deliver comments to Donald J.Winstead, Assistant
Director for 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, or email comments over
the Internet to [email protected].
FOR FURTHER INFORMATION CONTACT: Donald L. Paquin, (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, the Office of Personnel
Management (OPM) is publishing the complete ``Report On 1996 Surveys
Used to Determine Cost-of-Living Allowances in Nonforeign Areas'' with
this notice. The surveys were conducted by Runzheimer International
under Government contract OPM-95-97012. OPM performed the analyses of
survey data and prepared this report, which explains in detail the
methodologies, calculations, and findings of the 1996 COLA surveys.
Survey Results
OPM 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.) The
results of the surveys show that the COLA rate for Kauai, HI, should be
increased from its current level of 20.0 percent to 22.5 percent and
that the COLA rate for the U.S. Virgin Islands should be increased from
17.5 percent to 20.0 percent. The survey results also show that the
COLA rates for three areas are currently at the appropriate levels, and
that the COLA rates in seven areas are above levels warranted by the
living-cost indexes. 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, 1998.
Therefore, OPM is not proposing any COLA rate reductions.
Comments on Prior Surveys
OPM published the report on the Summer 1994 surveys in Hawaii,
Guam, Puerto Rico, U.S. Virgin Islands, and the Washington, DC, area in
the Federal Register (60 FR 61332) on November 29, 1995. OPM published
the report on the Winter 1995 surveys in Alaska and the Washington, DC,
area in the Federal Register (61 FR 4070) on February 2, 1996. OPM
received 6 comments on the Summer 1994 surveys and 77 comments on the
Winter 1995 surveys.
Most of the commenters believed the surveys did not fully consider
the expenses incurred in the allowance areas. Many noted
dissimilarities between the allowance areas and the Washington, DC,
area that they felt were either not accounted for in the surveys or
that affected the accuracy of the results of the surveys. These
differences included --
--Goods and services typically found in the Washington, DC, area that
are not available in the allowance areas, the cost to obtain these
goods and services in the allowance areas (e.g., shipping fees), and
the quality of the goods and services that are available;
--Goods and services typically purchased in the allowance areas that
are not typically purchased in the Washington, DC, area;
--Variations in spending patterns between the Washington, DC, area and
the allowance areas;
--Hardships encountered under adverse climate conditions;
--Climate influences on automobile purchase, maintenance, and
insurance;
--The frequency and cost of air travel in the allowance areas and the
use of Los Angeles for comparison in the measurement of air fares;
--Transportation alternatives (e.g., bus, train, subway) available in
the Washington, DC, area that are not available or are limited in the
allowance areas;
--House size, selection, necessary features, purchase price, storage
needs, and maintenance as determined by climate and availability;
--The additional need for travel, lodging, and out-of-pocket expenses
for quality medical care in the allowance areas;
--Recreational expenses in the allowance areas; and
--Out-of-area colleges and quality of local schools.
OPM has committed itself to two major initiatives that it believes
will serve as a forum for examining many of the concerns raised by the
commenters and lead to significant improvements in the COLA survey
process. These two initiatives are discussed below.
Safe Harbor Process and Report to Congress
OPM has entered into a memorandum of understanding with litigants
in the cases of Alaniz v. Office of Personnel Management and
Karamatsu v. United States that commits OPM and the plaintiffs to a
``Safe Harbor'' process for conducting studies relating to the COLA
program and the compensation of Federal employees in the allowance
areas. The purpose is to resolve issues that have long been contended
in the COLA program and to assist OPM as it prepares its report to
Congress on the COLA program, which is required by the Treasury, Postal
Service, and General Government Appropriations Act, 1992 (Public Law
102-141), as amended. That report is currently due by March 1, 1998.
OPM anticipates that the studies will examine many of the issues raised
by the comments on the Summer 1994 and Winter 1995 survey reports and
will produce a number of valuable recommendations for improving the
COLA program.
COLA Partnership
OPM has established a pilot project to involve agencies and
employee representatives directly in a partnership to help plan and
conduct COLA surveys, explore ways to improve the COLA program, and to
help everyone, including OPM, better understand issues related to the
compensation of Federal employees in the COLA areas. (Final regulations
for the pilot project were published on November 21, 1996, at 61 FR
59173.) Under the 2-year pilot project, five partnership committees are
being formed--one each in Alaska, Hawaii, Guam, Puerto Rico, and the
U.S. Virgin Islands. Regulations also allow for the formation of
subcommittees in
[[Page 14191]]
the individual allowance areas. Committee functions are expected to
include:
--Advising and assisting OPM in planning living-cost surveys;
--Observing data collection during the surveys;
--Advising and assisting OPM in the review of survey data;
--Advising OPM on the COLA program, including survey methodology and
other compensation issues relating to the allowance areas;
--Assisting OPM in the dissemination of information to affected
employees about the living-cost surveys and the COLA program.
As with the studies being conducted for OPM's report to Congress,
we anticipate that the committees may examine some of the issues raised
by the comments on the Summer 1994 and Winter 1995 survey reports and
will produce valuable recommendations for improving the COLA program.
Impact of COLA Changes
As with previous reports, most of the commenters were Federal
employees concerned about the impact of deep reductions in COLA rates.
They cited various financial commitments, such as home purchase, that
were made assuming COLA rates would be relatively stable. Several
commenters thought that significant reductions would have an adverse
effect on the local economy of the allowance area and that significant
reductions would cause recruitment and retention problems. As noted
earlier, Public Law 102-141, as amended, prohibits OPM from reducing
COLA rates through December 31, 1998.
General Comments
A number of commenters maintained that the salary averages used
for the surveys did not consider other sources of income besides
General Schedule salaries. They believe this resulted in an
artificially low salary average, especially for the Washington, DC,
area. OPM uses the General Schedule average salaries because it is the
predominant pay system for employees in the allowance areas and in the
Washington, DC, area. The COLA is a percentage of Federal pay, not
total family income. Therefore, OPM believes the approach used is
appropriate. However, the number of income levels used in the COLA
model and the dollar amounts assigned to those income levels are
subjects that may be researched further.
A few commenters asked whether OPM adjusted the calculations of
the percent of General Schedule workforce in each income group in each
area to reflect special rates or shift differentials. OPM included
special rates because special rates are one type of basic pay, and the
COLA is paid as a percentage of basic pay. OPM did not include premium
pay, such as shift differentials, because these are not part of basic
pay.
Several commenters felt the COLA program should take into
consideration the hardships endured in some of the allowance areas. OPM
believes the COLA model adequately measures differences in monetary
costs due to conditions in the allowance areas, although improvements
and refinements in the model may be possible. For example, OPM is
researching certain additional items, particularly those that might be
purchased more frequently in remote areas. These items include air
transportation, out-of-area college and university education, and
extraordinary medical expenses. OPM is looking at ways the tangible
cost of these items might be included in the COLA model and plans to
address this issue in its report to Congress. OPM believes, however,
that employees are compensated for nonmonetary factors such as hardship
and inconvenience under the post differential program and that such
factors should not be covered under the COLA program.
A few commenters objected to the inclusion of sales taxes in the
COLA model. The commenters argued that it would also be necessary to
compare the level of Government services available in each area. OPM
disagrees. The effect on living costs of any differences in the levels
of Government services attributable to differences in sales tax
revenues is probably not measurable. Sales tax, on the other hand, is a
recognizable consumer expense. Therefore, OPM believes it is
appropriate to include sales tax in the prices of the items it surveys.
Several commenters felt that some of the field researchers should
be Federal employees. They believe non-Federal employees have a desire
to cut Federal pay, which they view as a conflict of interest. OPM does
not believe there was such a bias, and both OPM and Runzheimer utilized
a number of quality assurance procedures, including callbacks and close
data review, to assure that the prices collected were accurate. OPM
also notes that, under the COLA partnership pilot project, data will be
collected by Federal employees from the Washington, DC, area with
observers from the COLA areas. Therefore, beginning with the 1997
surveys, non-Federal field researchers will not be involved in the
survey process.
Some commenters believe more data should be collected directly
from Federal employees. OPM notes that it has collected data directly
from Federal employees in the past and may explore this issue with the
COLA partnership committees and under the MOU Safe Harbor process. OPM
anticipates addressing this as part of its report to Congress.
Several commenters stated that OPM should publish additional
survey data (e.g., outlets surveyed, basic price data) in the report.
Publishing this volume of information is not practical and would make
the report too cumbersome and complex.
A few commenters noted that the date appearing at the top of the
Federal Register pages containing the Winter report read ``1994''
instead of ``1996.'' This was a printer's error.
Some commenters want OPM to consider higher non-Federal pay when
setting COLA rates. The law bases COLA's on living costs, not pay
levels. It also specifically bars payment of locality pay in the COLA
areas. Therefore, OPM cannot take into consideration higher non-Federal
pay in the COLA areas.
Several commenters contend that the COLA calculations should
account for locality pay received in the Washington, DC, area. OPM
recognizes that General Schedule employees in the Washington, DC, area
receive a locality pay adjustment under 5 U.S.C. 5304. Whether this
adjustment should be considered in the calculation of COLA's is an
issue OPM plans to address in its report to Congress.
Some commenters think Federal employees in the Washington, DC,
area are overgraded and that COLA's should be increased to account for
this overgrading. Grade levels vary among areas and may be higher on
average in the DC area because of the nature of the work typically
performed in this area. If it is found that overgrading is a problem in
any area, including the DC area, the solution is to properly classify
the positions--not to adjust pay or allowances.
Many commenters suggested that OPM use data published by the
American Chamber of Commerce Researchers Association (ACCRA). ACCRA
does not publish living-cost comparisons for all of the COLA areas, nor
does the ACCRA methodology conform with OPM's regulations, which were
developed subsequent to the settlement of Hector Arana, et al., v.
United States. Therefore, OPM does not use ACCRA data.
Several commenters suggested a need to survey more than once a
year. As OPM stated in an earlier Federal Register notice (60 FR
46749), OPM does not believe there is significant
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seasonal variation in relative prices for most local consumer items in
the allowance areas compared to those in the Washington, DC, area.
There is evidence of seasonal variation in some prices, such as hotel
and motel lodging, but these are not typical local consumer items.
There is also seasonal variation in the prices of other items, such as
fresh fruits and vegetables, but that kind of variation is seen in both
the allowance areas and in the Washington, DC, area. Therefore,
relative price differences do not change significantly by season. For
this reason and because COLA surveys are costly and can be a public
burden, OPM does not believe it is appropriate to conduct COLA surveys
more frequently.
Some commenters objected to OPM's practice of making changes in
the model based on comments received without an additional comment
period to review the changes. They also requested that OPM forgo making
changes in the methodology while the joint research effort is under
way. During the Safe Harbor process and the COLA partnership pilot
project, OPM plans generally to avoid making substantive policy changes
in the COLA program and, instead, wait until after OPM has completed
its research, received public comment on it, and delivered its report
to Congress. This does not mean that OPM will make no changes, and
certainly there are administrative changes relating to survey coverage
that must be made for each survey. However, the reader will note that
OPM has made relatively few changes in this year's surveys compared
with the previous surveys.
Overall Living Cost Model
A number of commenters stated that Washington, DC, should not be
the base area for comparisons of living costs. They believe a less
expensive area should be used. OPM is required by law to use the
Washington, DC, area as the base for living-cost comparisons.
Some commenters felt that local spending patterns should be used
in pricing consumption goods and services. To compare living costs
between areas, OPM assigned a common set of weights to each item,
category, and component. These weights reflect how consumers spend
their money and were used to derive comparative indexes measuring
overall living costs. OPM used Bureau of Labor Statistics (BLS)
nationwide Consumer Expenditure Survey (CES) data for these weights. As
discussed in the report, the COLA model uses an indexing methodology.
As the report also notes, it would be preferable to use Washington, DC,
consumer expenditure data. Washington, DC, CES data, however, are not
available by income level, and OPM regulations require measurement of
living costs at multiple income levels. On the other hand, nationwide
CES data are arrayed by income level. Therefore, OPM used these data in
the COLA model. CES data are also available for Honolulu and Anchorage;
but as with the Washington, DC, data, the Honolulu and Anchorage data
are not available by income level. BLS CES data are not available for
any other nonforeign area, and OPM knows of no other source of
comprehensive consumer expenditure information by income level suitable
for use in the COLA model. Therefore, the use of local weights is not
practical.
Commenters also suggested that OPM explore the use of cross-
weighted measures, such as Fisher's ideal index. Since cross-weighted
indexes use local area weights as well as reference area weights, the
use of these approaches would face the same problems as would the use
of local weights alone (as is described above). However, the type of
measurement used and the source of CES data may also be topics for
further research.
Goods and Services Component
A number of commenters cited the lack of locally available goods
and services, and many commenters said that they had to purchase items
by catalog. OPM included catalog prices for selected items in the
surveys. Additional costs of shipping and excise taxes were added to
the catalog pricing where applicable.
A number of commenters felt that the surveys should recognize that
allowance area employees purchase goods and services that are either
not needed in the Washington, DC, area or are needed less frequently.
Generally, the COLA model compares the cost of an item in an allowance
area with the cost for the same item in the DC area. OPM believes this
is consistent with the settlement of Arana, in which the plaintiffs
asked that OPM adopt a methodology that compared specified brands,
models, and sizes whenever possible. Nevertheless, the COLA model does
reflect some differences between areas. For example, the model assumes
that cars in Alaska have certain accessories, such as engine block
heaters, that are not common in the DC area. Also, differences in home
construction (e.g., triple-pane windows and greater wall insulation
common in Alaska) are included in the model to the extent that these
differences are reflected in real estate prices. OPM anticipates
researching related issues and plans to address them in its report to
Congress.
A number of commenters felt that the surveys should recognize that
there are a limited number of restaurant choices in the allowance areas
as compared with the Washington, DC, area. The surveys measure this
indirectly to the extent that restaurant prices reflect competition.
The commenters also felt that high quality local restaurants and foods
should be surveyed. The comparison of non-chain restaurants is
difficult and would seem to be inconsistent with Arana.
Some commenters believe more brands and models of items should be
surveyed. As described in section 2.4.1 of the report, items to be
surveyed are identified according to their importance in terms of
consumer expenditures. OPM surveys nearly 200 representative items and
believes these adequately reflect typical consumer expenditures.
Housing Component
A number of commenters objected to the inclusion of historical
housing data in the surveys. The commenters objected to the use of
these data because they believe (1) the resulting allowance would
compensate employees for historical rather than current living costs,
(2) the weights used to combine the data were from a limited
demographic profile (i.e., the 1992/93 Federal Employee Housing and
Living-Patterns Survey), and (3) much of the historical home price data
were from living communities outside the area where COLA recipients
reside.
Historical housing data are based on purchase prices and interest
rates over a 10-year period. We first used these data in the summer
1994 surveys; however, we had stated our intention to do so in earlier
Federal Register notices on the COLA program. (See 55 FR 1372 and 57 FR
58559.) The reason OPM uses historical data is that relatively few
Federal employees purchase a home in any given year. By using home sale
prices and interest rates gathered over a 10-year period, the COLA
model better emulates the typical Federal employee's housing expenses
than if only the current year's purchase information were used.
OPM believes its use of the results of the 1992/93 Federal
Employee Housing and Living Patterns Survey is appropriate. OPM
received over 16,000 responses to the employee survey from the
allowance areas. Although in a universe survey such as this, there is
always the potential for a nonresponse bias, we find the results
concerning home tenure to be reasonable when compared with data from
other sources
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such as Census data and data published by the Chicago Title and Trust
Company. Therefore, we believe it is appropriate to use the weights
derived from the employee survey to combine housing cost data.
As one commenter noted, some of the historical housing data came
from communities that are no longer surveyed. Although we made changes
in 1994 in response to employee suggestions and in light of the
employee survey results, we believe our earlier community selections
were appropriate. For example, we previously included Mililani Town in
our Honolulu surveys. Mililani Town was the most frequent place of
residence reported in the employee survey. Because of limited survey
resources, we dropped Mililani Town (and others) in order to survey
communities in and closer to Honolulu, as suggested by comments on the
results of the 1993 living-cost surveys. It would be a mistake,
however, to say that places such as Mililani Town are not
representative of where Federal employees live, and we believe it is
reasonable to use historical data from such communities.
Although it might be possible to collect historical data only for
those communities now surveyed, we do not believe this is necessary or
desirable. Community changes were made in many survey areas, including
the Washington, DC, area. Additional historical housing data would have
to be collected in each of these areas, and this would be costly and
burdensome to the public. Even so, we believe the final living-cost
comparisons for the allowance areas would remain essentially unchanged
because similar changes in community selection also were made in the
Washington, DC, metropolitan area, again using the results of the
employee survey.
Some commenters suggested that using the employee survey results
to select housing communities violated the agreement in Arana because
COLA area employees live in undesirable neighborhoods as a result of
low COLA rates. Other commenters suggested that housing communities
selected in Anchorage were inappropriate because many employees live
outside of the survey area. OPM believes it is appropriate to use both
the results of the employee survey and a methodology that compares the
costs of housing of similar sizes and in similar communities among the
various diverse areas covered by the surveys. However, we anticipate
that the housing methodology, community selection, and housing
characteristics will be subjects of study during the MOU Safe Harbor
process and among the issues considered by the COLA Partnership
Committees.
Several commenters stated that the housing costs in Anchorage were
not accurate and provided other data that showed higher median values.
OPM's contractor obtained the prices for houses that met specified
profile characteristics (e.g., size) for lower, middle, and upper
income levels. These prices were collected from real estate
professionals and various listing services. The data provided by the
commenters did not sufficiently identify the characteristics of the
sold houses for OPM to evaluate effectively these data relative to the
data that OPM's contractor reported.
Several commenters said that climate conditions (such as high
humidity, high rainfall, sunlight intensity, airborne salt, snow, and
cold weather) resulted in more frequent and higher home maintenance
costs in the allowance areas than in the Washington, DC, area. OPM has
conducted some preliminary studies of these issues, anticipates
researching them further, and plans to provide the results in its
report to Congress.
Several commenters noted that most Alaskan houses have ``Arctic
entrances'' for the removal of coats and boots, and felt that the
surveys should take this into consideration. The home purchase price
data collected reflect local home sales and include the cost of any
special features common to dwellings in each area.
Several commenters noted that military troops are provided a
housing allowance and felt that civilian employees should receive the
same. The law does not provide a separate housing allowance for
civilian Federal employees. However, as described in the report,
relative differences in housing costs between the allowance areas and
the Washington, DC, area are taken into consideration in determining
COLA rates.
A few commenters suggested that long-distance telephone
calculations be based on the local time of the call. OPM based this
calculation on the time the call was received on the assumption that
most long distance callers timed their calls for the convenience of the
receiver rather than the caller. Moreover, making the opposite
assumption could have resulted in some anomalies. For example, a long
distance call placed at 8 p.m. in Honolulu would be received in New
York at 1 or 2 a.m.
Transportation Component
A number of commenters stated that private transportation costs
are greater in the allowance areas because of the high cost of
automobiles and increased auto maintenance resulting from poor roads,
rough terrain, salt air, and harsh weather. Many also felt that
automobile insurance premiums are higher in the allowance areas.
The COLA model takes into consideration automobile purchase price,
maintenance, insurance, and depreciation. Purchase costs and insurance
are based on price data obtained in each area. Maintenance is also
based on local price data, and the model assumes that certain types of
maintenance occur more frequently in the allowance areas than in the DC
area. For example, the model assumes that tires wear out faster in the
allowance areas than in the Washington, DC, area, and that tires have
to be purchased more frequently in the allowance areas. The model also
includes the severe driving maintenance schedule for the allowance
areas and the standard schedule for the Washington, DC, area.
Depreciation is based on the difference between the new car value and
the value of the car 4 years later, as reflected in popular guides such
as the National Automobile Dealers Association Official Used Car Guide
and the Kelly Blue Book. The model assumes that used car prices are
constant among areas, except in Fairbanks and Nome. Since new car
prices are typically higher in the allowance areas, this assumption
translates into a typically higher depreciation rate for new cars in
the allowance areas relative to the DC area. For Fairbanks and Nome,
the model uses 90 percent of the used car value to reflect an even
higher depreciation cost related to increased wear in these areas
caused by the severe climate.
A number of commenters think that OPM should have used negotiated
prices in its survey of new cars. These same commenters also believe
used car prices should be included in the surveys. As stated in the
report, it is not feasible to collect information on negotiated prices.
Negotiated prices are influenced by factors such as negotiating skills,
timing, and dealer overstock, and we expect that dealers would be
reluctant to disclose what they would accept as the final purchase
price for the vehicles surveyed. Likewise, OPM believes it highly
unlikely that OPM could price comparable used cars, in terms of make,
model and condition, in each of the allowance areas and in the
Washington, DC, area. Therefore, as stated in the report, OPM does not
survey the price of used cars.
Many commenters felt that pick-up trucks and four-wheel drive
vehicles should be priced, especially for the
[[Page 14194]]
Alaska surveys. As stated in the report, OPM surveys the cost of owning
and operating a four-wheel drive Chevy Blazer, which is a ``utility''
vehicle. OPM believes the vehicles currently surveyed are adequate for
measuring price differences for new vehicles.
Several commenters raised issues related to mass transportation
systems (e.g., bus, train, subway), which are limited or not available
in the allowance areas. As explained in the report, OPM does not survey
municipal mass transportation. The cost of bus, train, subway, or taxi
service is not part of the surveys because the service available in
many allowance areas is not comparable to the service available in the
DC area. Instead, OPM compares the cost of round-trip airfares from the
allowance areas with the cost of round-trip airfares from the
Washington, DC, area to the same destinations.
A number of commenters objected to the selection of Los Angeles as
the common destination point for comparing airfares. They stated that
the Los Angeles routes are highly competitive, which results in lower
fares compared with other destinations, and that Los Angeles is not
typical of flight destinations from the allowance areas. For the 1996
surveys, OPM included additional travel destinations. There are now six
destinations for which airfares from the allowance areas and the
Washington, DC, area are collected: Chicago, Los Angeles, Miami, New
York, Seattle, and St. Louis.
Some commenters stated that the model did not measure true air
transportation costs. The commenters stated that inter-island travel,
travel within Alaska, and travel to the contiguous 48 States requires
more frequent use of air transportation. The current model assumes that
the typical Federal employee puts 15,000 miles per year on a car, but
many Federal employees in the allowance areas may drive less than that,
particularly in some of the smaller allowance areas. On the other hand,
these employees may fly more frequently. If so, it may be appropriate
to make adjustments in the COLA model to reflect these differences. OPM
plans to study further the issue of transportation costs by mode of
transportation for its report to Congress.
Miscellaneous Component
A number of commenters felt that the medical expense portion of
the Miscellaneous Component fails to reflect the higher out-of-pocket
expenses that Federal employees in the allowance areas frequently
incur. The commenters cited several possible causes for this, including
higher costs not covered by insurance carriers, the absence of health
maintenance organizations in several allowance areas, and the need to
travel outside the area to obtain some medical services. OPM is
researching health cost issues and plans to include the results of its
research in its report to Congress.
One commenter stated that employees in the allowance areas have to
save at a higher rate to afford the down payment for a house or car or
to pay for college/university education. The commenter said that OPM
should take this into consideration and use the Goods and Services
Component index to adjust the amount of money saved relative to
Washington, DC. As noted in the report, savings made for the purpose of
future purchases of housing, durable goods, and similar items are
accounted for in the category or component weight associated with the
item.
The commenter also stated that the COLA model should take into
consideration the fact that COLA's do not count towards retirement. The
commenter believes Federal employees have to invest at a higher rate in
pensions and other savings vehicles to afford to retire in the
allowance areas. Under sections 8331(3) and 8401(4) of title 5, United
States Code, allowances (including COLA's) are explicitly excluded from
basic pay in the computation of Federal annuities under the Civil
Service Retirement System and the Federal Employees' Retirement System.
OPM believes it would be inappropriate to adjust COLA rates to take
into consideration that which the law has specifically excluded.
Therefore, OPM does not plan to adopt this recommendation at this time
but plans to address it in its report to Congress.
Office of Personnel Management.
James B. King,
Director.
Table of Contents
Executive Summary
1. Introduction
1.1 Report Objectives
1.2 Changes in This Year's Survey
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 Market Basket
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 Runzheimer Data Collection
2.5.2 Data Collection Materials
2.5.3 Inclusion of Sales and Excise Taxes
2.5.4 Runzheimer's Onsite Visits
2.5.5 Surveying the Washington, DC, Area
2.6 Step 5: Analyzing Data and Computing Indexes
2.6.1 Indexes and Weights
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 Survey Results
3.2.1 Exchange and Commissary Expenditure Research
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 Expenses
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 Taxes
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
[[Page 14195]]
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--1996
Appendix 2: Federal Employment Weights
Appendix 3: Consumer Expenditure Survey (CES) Item Expenditures
Appendix 4: CES Category and Component Expenditures
Appendix 5: Item Descriptions
Appendix 6: Principal Pricing Changes
Appendix 7: OMB-Approved Survey Materials
Appendix 8: Consumption Goods and Services Analysis and Summary
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 Summary
Appendix 15: Private Transportation Cost Analysis
Appendix 16: Auto Insurance Calculation Worksheet
Appendix 17: Air Fares Cost Analysis
Appendix 18: Transportation Analysis
Appendix 19: Transportation Summary
Appendix 20: Miscellaneous Expense Analysis--Category Index
Development
Appendix 21: Miscellaneous Expense Summary
Appendix 22: Component Expenditures
Appendix 23: Final Indexes
Executive Summary
Cost-of-living allowances (COLA's) are paid to Federal employees in
nonforeign areas in consideration of living costs higher than in the
Washington, DC, area. OPM conducts living costs surveys in order to set
the COLA rates. This report provides the results of the 1996 living-
cost surveys and compares living costs in nonforeign COLA areas to
those in the Washington, DC, area.
Survey data were collected for the Office of Personnel Management
(OPM) by Runzheimer International under contract OPM- 95-97012.
Runzheimer is a Wisconsin-based firm specializing in cost-of-living
information. The contract required Runzheimer to survey living costs in
Alaska, Hawaii, Guam, Puerto Rico, the U.S. Virgin Islands, and the
Washington, DC, area. OPM analyzed the survey data and produced this
report.
For this study, approximately 2,800 outlets were contacted and more
than 20,000 prices collected on about 200 items representing typical
consumer purchases. These data were then combined by OPM using consumer
expenditure information developed by the Bureau of Labor Statistics.
The final result of the study is a series of living-cost indexes, shown
in the table below, that compare living costs in the allowance areas to
those in the Washington, DC, 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
------------------------------------------------------------------------
Allowance area Index
------------------------------------------------------------------------
Anchorage, Alaska............................................. 104.84
Fairbanks, Alaska............................................. 109.90
Juneau, Alaska................................................ 110.57
The rest of the State of Alaska............................... 129.24
City and County of Honolulu, Hawaii........................... 121.95
Hawaii County, Hawaii......................................... 111.89
Kauai County, Hawaii.......................................... 121.36
Maui County, Hawaii........................................... 119.53
Guam/CNMI*, Local Retail...................................... 121.88
Guam/CNMI, Commissary/Exchange................................ 116.06
Puerto Rico................................................... 102.01
U.S. Virgin Islands........................................... 119.25
------------------------------------------------------------------------
*CNMI=Commonwealth of the Northern Mariana Islands
1. Introduction
1.1 Report Objectives
This report provides the results of the February 1996 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
allowance areas listed below. By law, Washington, DC, is the base or
``reference'' area for the nonforeign area cost-of-living allowance
(COLA) program.
1. Anchorage, Alaska
2. Fairbanks, Alaska
3. Juneau, Alaska
4. The rest of the State of Alaska
5. City and County of Honolulu, Hawaii
6. Hawaii County, Hawaii
7. Kauai County, Hawaii
8. Maui County, Hawaii
9. Guam and the Commonwealth of the Northern Mariana Islands (CNMI)
10.Puerto Rico
11.U.S. Virgin Islands
1.2 Changes in This Year's Survey
This year OPM contracted with Runzheimer International to collect
price data. In previous surveys, most of the analyses of the data were
performed by the contractor. This year, OPM performed all analyses.
Appendix 6 lists the other major changes made for this survey relative
to the previous survey. Among the key changes were the following:
--Airline fares to Chicago, Los Angeles, Miami, New York, and St. Louis
were surveyed. Previously, only fares to Los Angeles were surveyed.
--Several new survey items were added, including charge card annual
fees, charge card finance charges, funeral services, motor scooters,
personal water crafts, and parcel post fees. (Also see appendix 6.)
--The living community of Mayaguez, Puerto Rico, was removed from the
survey.
1.3 Pricing Period
The prices were collected in the allowance areas and in the
Washington, DC, area in February 1996. As with the previous surveys,
the prices of some items--those dependent upon the pricing of other
items--were collected slightly later (e.g., in March 1996). In
addition, individual item prices not meeting OPM's and Runzheimer's
quality control procedures were resurveyed in April and used to verify
or replace the original prices.
As done in previous surveys, some catalog sales were included in
the survey. Only catalogs that sell merchandise in both the allowance
areas and the Washington, DC, area were used. To ensure consistent
seasonal catalog pricing, winter catalogs were used for all catalog
items surveyed.
2. The COLA Model
2.1 Measurement of Living-Cost Differences
The COLA model measures living-cost differences between the
allowance areas and the Washington, DC, area by selecting
representative items that people purchase in these locations,
calculating their respective cost differences, and combining them
according to their importance to each other (as measured by relative
percentage of expenditures). This involves the following major steps:
Step 1: Identify the segment of the population for which the
analysis is targeted (i.e., typical Federal white-collar employees).
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 for
each selected item.
Step 4: Conduct pricing surveys of the selected items in each area.
Step 5: Compute price ratios for the surveyed 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 typical Federal
white-
[[Page 14196]]
collar employees who have annual base salaries between approximately
$12,000 and $88,000, 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 1995
distribution of salaries for General Schedule employees in all of the
allowance areas combined. OPM divided this distribution into three
income groups of equal size and identi fied the minimum, maximum, and
median salary in each group. The median values were then rounded to the
nearest $100 to produce the three representative income levels of
$21,600, $32,900, and $50,300. OPM compared living costs at each of
these three income levels to produce three sets of estimated
expenditures for each allowance area and for the Washington, DC, area.
OPM combined these estimated expenditures into a single overall index
for each allowance area using the employment weights described below.
2.2.2 Federal Employment Weights
OPM used the minimum and maximum values of each income group and
the 1995 distribution of General Schedule employees by salary in each
allowance area to derive employment weights. These were combined with
similar data from 1993 and 1994 to produce a relatively stable moving
average. (OPM introduced moving averages last year to lessen the impact
of new data.) From these averages, OPM calculated the percentage of the
General Schedule workforce in each income group in each area. These
percentages were the weights used to combine estimated expenditures to
compute the final index. Appendix 2 shows the General Schedule
employment distributions and how the percentage weights were derived.
Appendix 23 shows how the weights were used in the final calculations.
2.3 Step 2: Estimating How People Spend Their Money
2.3.1 Consumer Expenditure Survey
Expenditure patterns used in the calculations are based on national
data from the Consumer Expenditure Survey (CES). OPM obtained from the
Bureau of Labor Statistics ``prepublished'' CES results for 1991, 1992,
and 1994. 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.
CES data are used in two ways: to identify appropriate items for
the survey and to derive item, category, and component weights. The
item weights are not income-sensitive. 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
Appendices 3 and 4. As with the Federal employment weights, the 3 years
of CES data were combined to produce a relatively stable moving
average.
2.3.2 Expenditure Categories and Components
The CES is grouped into small, logical families of items. For
example, pre-published data for beef are grouped into four
subcategories: ground beef, roast, steak and other. The steak and roast
groupings were further separated into smaller clusters of items (e.g.,
sirloin and round steak, chuck and round roast). OPM separated the CES
items into the four main cost components specified in OPM's
regulations: Consumption Goods and Services, Transportation, Housing,
and Miscellaneous Expenses. To develop weighting patterns for the three
income levels, OPM 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. OPM
converted these expenditures to percentages of total expenditures for
the four components to produce the values shown in the table below.
These were the weights 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, DC, area.
---------------------------------------------------------------------------
\1\The midpoint of the moving average of CES data was 1992.
Therefore, for the purposes of these regressions, OPM adjusted
Federal salaries to reflect 1992 pay rates. OPM used the pay
increases for 1993 (3.7%), 1994 (0.0%) and 1995 (2.0%), to deflate
the 1995 salaries. This produced adjusted Federal salaries of
$20,400, $31,100, and $47,550 for use in the regression equations.
Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses
----------------------------------------------------------------------------------------------------------------
1992
adjusted Goods and Housing Transportation Misc. Total
1995 income level income services (percent) (percent) (percent) (percent)
level* (percent)
----------------------------------------------------------------------------------------------------------------
$21,600........................ $20,400 39.62 25.72 18.48 16.18 100.00
32,900......................... 31,100 38.97 24.46 18.22 18.35 100.00
50,300......................... 47,550 38.37 23.28 17.98 20.37 100.00
----------------------------------------------------------------------------------------------------------------
*Income levels are adjusted as described in footnote 1.
(Values may not total because of rounding.)
Goods and Services Component items were further separated 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 Market Basket
As noted above, CES items were grouped into ``clusters'' of
expenses to determine which items to survey. These clusters were chosen
so that no market basket item would have an overwhelmingly large or an
insignificantly small item weight.
For each of these clusters, a set of items to price was identified.
Collectively, these items are called a ``market basket.'' Because it
would have been impractical to survey all of the thousands of items
consumers might buy, the market basket contains representative items,
such as cheddar cheese, that represents itself and the many other
related items that
[[Page 14197]]
consumers purchase (e.g., edam, gouda, jack, swiss, etc). The market
basket that OPM and Runzheimer used had approximately 200 items ranging
from table salt to new cars to home purchases.
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. For example, a 10.5-ounce can of Campbell's
vegetable soup was selected for the survey because it is representative
of canned and packaged soups, is a commonly-purchased brand, and is
found in all areas. Appendix 5 provides a list of the items surveyed
and their descriptions.
Changes in the item list and descriptions are an important aspect
of the COLA survey. These changes are necessary to improve the survey
and keep the item descriptions current. For this survey, several of the
items or descriptions were changed. The major changes and the reasons
for each are listed in Appendix 6.
2.4.2 Geographic Coverage and Outlet Selection
Just as it is important to select commonly-purchased items and
survey the same items in all areas, it is important to select outlets
frequented by consumers and find equivalent outlets in all areas. This
involves 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.
In Nome, for example, the whole city is surveyed because Nome is a
small city, and Federal employees live throug hout the city. For other
areas, 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 living
communities in which housing costs were priced. Runzheimer then
identified outlets within a normal shopping radius of these housing
communities. Outlets within a living community or within an adjoining
living community were generally considered to be within a normal
shopping radius.
2.4.2.2 Similarity of Outlets
Whenever possible, Runzheimer selected popular outlets that were
comparable to outlets in other areas. For example, Runzheimer surveyed
the price of grocery items at supermarkets in all areas because most
people purchase their groceries at such stores and because supermarkets
are found in nearly all areas.\2\ The selection of comparable outlets
is 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, Runzheimer surveyed groceries at
two kinds of supermarkets (i.e., full-service supermarkets and
``warehouse-type'' supermarkets) because both types of supermarkets
are common in this area. Runzheimer did not survey ``warehouse-
type'' supermarkets in any other area because they are relatively
uncommon and probably not well frequented by Federal employees.
---------------------------------------------------------------------------
Although major supermarkets, department stores, and discount stores
represented a sizable portion of the survey, outlets were also selected
to represent the diversity of consumer shopping options. For example,
department stores could have been used for pricing all clothing items
surveyed. However, this would not have reflected the range of consumer
choices. Therefore, some clothing items were priced 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. Eleven item prices were surveyed
by catalog. Catalog pricing allowed the comparison of comparable items
that would have been difficult to price otherwise. All catalog prices
included any charges for shipping and handling and all applicable
taxes.
2.5 Step 4: Surveying Prices
As noted earlier, Runzheimer obtained over 20,000 prices on about
200 items from approximately 2,800 outlets. In each survey area,
Runzheimer was required to get at least three price quotes for each
item, if practical. There were certain exception items. For example,
essentially all of the available home sales and rental data meeting the
survey 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, DC, area has six survey communities, Runzheimer was
required to get at least 18 price quotes for most items in this area,
if practical.
2.5.1 Runzheimer Data Collection
Most of the price data were collected onsite by Runzheimer's
Research Associates (RA's). The RA's were independent contractors hired
by Runzheimer 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, Runzheimer refrained from hiring
research associates who were either employees of the Federal Government
or who had immediate family members who were employees of the Federal
Government. Runzheimer also collected price data by telephone and
through on- line computer services. In addition, Runzheimer performed
numerous quality control checks, often verifying survey data through
telephone calls and comparing current data-gathering results with those
from earlier surveys.
2.5.2 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 Runzheimer-developed worksheets or other
survey materials conformed with those approved by OMB.
2.5.3 Inclusion of Sales and Excise Taxes
For all items subject to sales and/or excise taxes, the appropriate
amount of tax was added prior to analysis. Runzheimer gathered
applicable information on taxes by contacting appropriate sources of
information in the allowance areas and the Washington, DC, area.
2.5.4 Runzheimer's Onsite Visits
Full-time Runzheimer 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 allow ance
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
[[Page 14198]]
obtained general information about the local economy.
2.5.5 Surveying the Washington, DC, Area
As noted earlier, Runzheimer was required to get more price quotes
in the DC area than in the allowance areas because of the size and
diversity of the DC metropolitan area and because DC is the basis for
all comparisons. 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 outlets surveyed were within a
normal shopping radius of the housing communities identified in
Appendix 9. Survey data from each of the six DC survey areas were
combined using equal weights.
2.6 Step 5: Analyzing Data and Computing Indexes
2.6.1 Indexes and Weights
2.6.1.1 Indexes
Nonforeign area COLA's 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.
An index is a way to state the difference between two prices (or sets
of prices). For example, if a can of corn costs $1.00 in the allowance
area and 80 cents in the DC area, canned corn is 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
OPM computed indexes for hundreds of items. As briefly described in
section 2.3, OPM used weights derived from the CES to combine these
indexes. These weights reflected the relative amount consumers normally
spend on different items. For example, the price of a can of corn has a
lower weight than the price of a pound of apples because, according to
the CES, people generally spend less on canned corn than on apples.
The COLA model uses a fixed-weight indexing methodology. 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, OPM also computed income sensitive
category and component weights. This allowed the combination of
comparative price data in a manner that reflected the spending patterns
of people at each income level. The way data were combined varied among
the components.
For the Goods and Services and Miscellaneous Expense compo nents,
OPM 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, OPM used the same approach in combination with a
cost-build-up approach. For example, 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) of 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, OPM used the CES data and the income ranges described in
section 2.2.1 to determine how much money consumers typically spend on
each component at each income level. These amounts appear in the table
below and in Appendix 22. 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....................................... $8,558 $5,556 $3,992 $3,495 $21,600
Middle...................................... 12,821 8,047 5,994 6,037 32,900
Upper....................................... 19,300 11,710 9,044 10,246 50,300
----------------------------------------------------------------------------------------------------------------
(Note: Values may not total because of rounding.)
Second, for each allowance area, OPM 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, OPM 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, OPM computed a single overall average expenditure for each
allowance area by combining the income level expenditures 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, OPM
also computed a single overall dollar expenditure value for the DC
area.
The final step was to divide the overall dollar expenditure for the
allowance area by the overall 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 23.
3. Consumption Goods and Services
3.1 Categories and Category Weights
Based on the CES data, OPM identified ten categories of expenses
within the Goods and Services Component. Using linear regression
analyses and the CES data, OPM identified the portion of total Goods
and Services expenditures that the typical
[[Page 14199]]
consumer spends in each category at various income levels. The
categories and the relative expenditures are shown in the table below:
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..................... 27.04 24.04 21.15
Food Away from Home.............. 13.60 14.16 14.71
Tobacco.......................... 3.09 2.55 2.02
Alcohol.......................... 2.66 2.64 2.62
Furnishings and Household
Operations...................... 14.98 15.99 16.97
Clothing......................... 13.54 14.22 14.87
Domestic Service................. 1.73 1.94 2.14
Professional Services............ 6.95 7.01 7.07
Personal Care.................... 3.62 3.52 3.43
Recreation....................... 12.80 13.93 15.02
--------------
Totals..................... 100.00 100.00 100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)
3.2 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
market basket 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 Component indexes. The Washington, DC, area is not shown
because it is, by definition, the reference area. Therefore, the DC
indexes are 100.
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 Runzheimer 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. & 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.
4. Housing
4.1 Component Overview
The Housing Component consists of the following expenses related to
owning or renting a dwelling:
--mortgage or rent payments,
--utilities,
--real estate taxes,
--homeowner's or renter's insurance,
--home maintenance, and
--telephone expenses.
At each of the three income levels, the annual housing costs for
homeowners and renters were measured separately. The results were then
combined using as weights the percentages of owners and renters
reported by the CES.
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 at each income
level. Using the tenure data by income range as input into a linear
regression analysis, OPM calculated the owner and rent weights shown
below and in Appendix 23. OPM excluded data for home owning families
without a mortgage because they were not typical of Federal homeowners
in the base area or in the allowance areas.
[[Page 14200]]
Table 4-1.--Owner/Renter Weights
------------------------------------------------------------------------
Income levels
--------------------------------------
Category Lower Middle Upper
(percent) (percent) (percent)
------------------------------------------------------------------------
Homeowner with mortgage.......... 37.97 47.13 61.21
Renter........................... 62.03 52.87 38.79
--------------
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. For Runzheimer's data collection, OPM required 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. Runzheimer collected additional
information when available. Unfortunately, the quantity and type of
additional data varied markedly from one area to the next and was
completely unavailable in some areas. Therefore, OPM could not use the
additional data.
Table 4-2.--Housing Profiles
----------------------------------------------------------------------------------------------------------------
Income level Renter profile Owner profile
----------------------------------------------------------------------------------------------------------------
Lower.............................. 3 rooms, 1 BR, 1 bath, 600 sq. ft. 4 rooms, 2 BR, 1 bath, 900 sq. ft.
apartment. condo or detached house.
Middle............................. 4 rooms, 2 BR, 1 bath, 900 sq. ft. 5 rooms, 3 BR, 1 bath, 1,300 sq. ft.
apartment. detached house (rowhouse in NE DC).
Upper.............................. 4 rooms, 2 BR, 2 baths, 1,100 sq. ft. 7 rooms, 3 BR, 2 baths, 1,700 sq.
townhouse or detached house. ft. detached 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, Runzheimer obtained rental
rates on any unit, regardless of its size, that otherwise met the
profile characteristics. For home sales, Runzheimer 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 was used at more than one income level. Application of
the other criteria (i.e., number and type 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 section 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. 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
allowance areas due to the relatively few home sales and rental
opportunities in these areas. In such areas, OPM directed Runzheimer to
collect prices for the entire survey area or allowance area rather than
in specific communities. This was done in Fairbanks, Juneau, Nome,
Hilo, Kailua Kona, Kauai, Maui, Guam, 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 were
categorized into one of five groups in the COLA model. These groups
were--
--utilities,
--real estate taxes,
--owners/renters insurance,
--maintenance, and
--telephone expenses.
4.2.4.1 Utilities
Electricity, oil, gas, water, and sewer were the utilities used in
the model. Most utility companies were 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 was
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 were calculated by assuming
that utility use increases or decreases at half 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, Runzheimer obtained the price of each of the types of
utilities noted above. Runzheimer used average annual consumption per
household
[[Page 14201]]
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.
In the DC area, Runzheimer was unable to obtain estimates for
electricity usage for houses heated by gas or oil. However, Runzheimer
was able to obtain kilowatt usage for all-electric houses. In order to
avoid potential double counting of utility costs, OPM used the all-
electric data for the DC area. This was not a problem in the warm-area
COLA areas where there is little heat expense. It also was not a
problem in Alaska where most consumers use gas or oil heat, not
electric heat.
4.2.4.2 Real Estate Taxes
For this study, Runzheimer 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 all living communities and applied to the
home values for each income level.
4.2.4.3 Owners/Renters Insurance
Homeowners' insurance rates were gathered for each of the survey
areas for both renter and owner profiles. For renters, the following
estimated content values were used: $25,000 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 median 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 the land represents a greater proportion of property
value, 50 percent was used.
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
insurance was priced for all of the allowance areas in Hawaii and in
Guam, Puerto Rico, and the U.S. Virgin Islands.
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 done in previous surveys, Runzheimer 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. In the
Nome area, however, pest control was not priced because local sources
indicated it is not necessary. The maintenance commodities priced were
bathroom caulking, a 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, OPM 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 multi pliers 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
at these income levels.
4.2.4.5 Telephone Expenses
Telephone expenses 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,
Runzheimer surveyed the cost of touch- tone service with unlimited
calling in each area.
To estimate long distance charges in all areas, Runzheimer surveyed
the cost of three 10-minute direct dial calls per month to large U.S.
mainland cities (i.e., Los Angeles, Chicago, and New York City).
Runzheimer measured the price of a call placed in the survey area at
the time of day necessary to be received in the respective city at 8:00
p.m. local time. In many areas, this resulted in pricing a combination
of daytime and evening-rate calls.
4.3 Housing Data Collection Procedures
As done in previous years, Runzheimer collected housing information
mainly from real estate professionals, various listing services, and
advertisements. In addition, Runzheimer 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
surveyed in the Washington, DC, area.
4.3.1 Homeowner Data Collection
Runzheimer surveyed selling prices of homes that matched the
housing profiles in each living community and obtained as many of these
selling prices as possible for sales that occurred during the 12-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, Runzheimer
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 was 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.
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. As was done last year,
OPM used the median home value. The median is the middle value in a
rank-ordered set of
[[Page 14202]]
observations. OPM used this approach 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 prices.
For each income profile in each allowance area and the Washington,
DC, area, OPM 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 home purchase price for the
profile.
As was done last year, OPM also used historical housing data in
addition to data collected in this survey. 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 58617.
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 estimated annual principal
plus interest payments by income level in each area. To combine these
data, OPM used 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 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
OPM assigned each rental quote to a single income level based on
the criteria stated in section 4.2.2. 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
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 analyzed broker and non-broker data
separately by income level. As with the housing data analyses, OPM used
the median rental values. For each income level, OPM separately ranked
rental rates from low to high 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 applied equal
weights to the broker and non-broker 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 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 22 to
derive the total, overall indexes for owners and renters.
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 common points within the contiguous 48
States.
5.2 Private Transportation Methodology
As done in previous surveys, OPM analyzed automobile trans
portation 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 judgments that would be required.
5.2.1 Vehicle Selection and Pricing
The same three models of automobiles that were surveyed in previous
years were surveyed again this year:
Domestic-Ford Taurus GL 4-door sedan 3.0L 6 cyl.
Import-Honda Civic DX 4-door sedan 1.5L 4 cyl.
Utility-Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl.
For each model car, Runzheimer 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 1996. All vehicles were equipped with standard
options, such as automatic transmission, AM/FM stereo radio, and air
conditioning. In Alaska locations, special additional equipment was
included in new-vehicle prices (i.e., engine-block heaters and heavy-
duty batteries). Snow tires were also priced in Alaska. (See section
5.2.5.) 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 Anchorage,
for example, documentation fees were also included as part of the new-
vehicle costs.
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, OPM used a four-year, 60,000-
mile trade cycle in all areas.
5.2.3 Fuel Performance and Type
All vehicles included in this study used regular unleaded fuel.
Runzheimer surveyed self-service cash prices of unleaded regular
gasoline at name-brand gas stations in the Washington, DC, area and in
all allowance areas, except those in Alaska. In consideration of the
harsh climate in the Alaska allowance areas, full-service cash prices
were surveyed.
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'' figures instead of ``highway''
figures are used because all locations contained considerable stop-and-
go driving conditions. As in previous COLA surveys, OPM 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,
[[Page 14203]]
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.F miles-
per-gallon achieved improves. The model uses the average monthly
temperatures for each allowance area and the 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 Table 5-1.
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 high-load asphalt and that
locally controlled roadways are typically composed of low-load asphalt.
EPA's research indicates that cars are generally more fuel-efficient on
the firmer, high-load surfaces than on the softer, low-load surfaces.
Although traffic patterns and road usage 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, Alaska contains
5,512 miles of Federally controlled roads and 7,120 miles of locally
controlled roads. The usage assumption increased Federal road mileage
by a factor of two for the Alaska allowance areas.
The average low-load asphalt factor (which reflects dry, wet, and
snowy conditions) was applied to the local mileage percentage, and the
average concrete and/or high-load asphalt factor was applied to the
Federal mileage percentage to produce two weighted average factors--one
for the Alaskan allowance areas and another for the other allowance
areas. These factors are shown in Table 5-1. The Washington, DC, area
was assigned a factor of 1.00 on the premise that the vast majority of
traffic in that area travels on dry, high-load surfaces. 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 0.98 was computed for this type of driving. This factor was
assigned to each allowance area. For the 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
OPM applied the factors described above to make adjustments in 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 in 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 Juneau is 0.84.
This means that the estimated gasoline mileage in Juneau is 84 percent
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.
Table 5-1.--Summary of Fuel-Performance Adjustments
----------------------------------------------------------------------------------------------------------------
Road
Location Temperature surface Gradient Total
----------------------------------------------------------------------------------------------------------------
Anchorage................................................... 0.88 0.96 0.98 0.83
Fairbanks................................................... 0.85 0.96 0.98 0.80
Juneau...................................................... 0.89 0.96 0.98 0.84
Nome........................................................ 0.85 0.96 0.98 0.80
Hawaii...................................................... 0.99 0.98 0.98 0.95
Virgin Islands.............................................. 1.01 0.98 0.98 0.97
Puerto Rico................................................. 1.01 0.98 0.98 0.97
Guam........................................................ 0.99 0.98 0.98 0.95
Washington, DC.............................................. 0.94 1.00 1.00 0.94
----------------------------------------------------------------------------------------------------------------
5.2.4 Vehicle Maintenance
As done in the previous surveys, Runzheimer 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.
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
[[Page 14204]]
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. Runzheimer
collected the cost of the complete maintenance service or repair job
for each vehicle. For example, the cost of a complete oil change was
collected for each vehicle including the total charge for parts and the
total charge for labor.
In the Alaska and DC areas, constant velocity joint (CVJ) boots
replacement was also included in the cost of vehicle maintenance.
Previous research conducted for OPM revealed varying replacement cycles
among the Alaska allowance areas and between the Alaska areas and the
DC area: Anchorage and Juneau-- every 45,000 miles (3 years), Nome--
every 30,000 miles (2 years), Fairbanks--every 15,000 miles (1 year),
and the Washington, DC, area--every 60,000 miles (4 years). The cost of
replacement for all three vehicle types was factored into the indexes
based upon the frequency of the replacement. In Fairbanks, for example,
100 percent of the cost was included because previous research
indicated annual replacement was the norm.
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.
Runzheimer 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. Previous research indicated that four extra
studded snow tires would be required for all three vehicles in the
Alaska allowance areas. Therefore, Runzheimer surveyed the cost of
extra wheels, extra tires, and installing studs for all vehicles in
Anchorage, Fairbanks, Juneau, and Nome.
5.2.6 License and Registration Fees and Miscellaneous Taxes
Runzheimer obtained information regarding license registration
fees, miscellaneous taxes, and personal property taxes (where
applicable). License and registration fees were included as part of the
annual cost of owning an automobile. Miscellaneous and personal-
property taxes were computed for each year of the vehicle's 4-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. In the COLA model, total depreciation is calculated by
subtracting from the purchase price the estimated residual value (used
car value) 4 years later. This value is then divided by four to produce
an annual depreciation amount.
As described earlier, the new car price was the manufacturer's
suggested retail price plus any additional charges, such as shipping,
dealer prep, additional dealer markup, excise tax, and sales tax. As
done in previous surveys, the used car value was based on information
from sources such as the Black Book Official Finance/Lease Guide for
1994. Although such sources only track prices of vehicles sold in the
contiguous 48 States, previous research performed by Runzheimer did not
indicate that used cars in allowance areas were (on average) worth more
or less than used cars in the DC area, except for Fairbanks and Nome.
For Fairbanks and Nome, 90 percent of the projected residual values
were used to reflect the more severe conditions.
It should be noted that identical residual values did not result in
identical depreciation amounts. Depreciation amounts were generally
higher in the allowance areas than in the Washington, DC, area because
new car prices were generally higher in the allowance areas.
5.2.8 Finance Expense
The COLA model assumes that new car purchases are financed.
Therefore, Runzheimer surveyed banks in all areas to obtain their auto-
loan interest rates for a 48-month loan with 80 percent financing. OPM
computed the finance cost for each vehicle in each area and included it
in the annual cost of owning and operating an automobile.
5.2.9 Vehicle Insurance
Runzheimer surveyed the cost of car insurance in each location.
Consistent with the previous year's survey, Runzheimer 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, Runzheimer 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.
Runzheimer found that some insurance companies in 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 Runzheimer also to
survey in the DC area the cost of insurance that was comparable to that
offered in these allowance areas. The costs 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 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, Runzheimer surveyed 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 fare is the only item priced for the Other Transportation Costs
Category. For this item, OPM priced the lowest priced round-trip air
fare on a major carrier with a 2-week advance purchase and a 1-week
stay over. Trips were priced from each allowance area and the
Washington, DC, area to Chicago, Los Angeles, Miami, New York, Seattle,
and St. Louis. These cities were selected to
[[Page 14205]]
represent a range of travel destinations coast- to-coast for COLA area
and DC area Federal employees. The costs of the trips from each
allowance area were averaged and compared with the average cost of the
trips from the DC area to compute the category indexes. The fares are
shown in Appendix 17.
5.4 Transportation Component Analyses
OPM 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 19. Likewise, OPM compared the cost of air fares for
each area with those for the DC area and computed a cost index. These
indexes are shown in Appendices 17 and 19. OPM 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 vary by income level and were
used to combine the Automobile Expense Category index with the Other
Transportation Costs index by area to derive the overall Transportation
Component index for the area. The weights, computations, and final
Transportation Component indexes are shown in Appendix 19.
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.
OPM 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
OPM used CES data to determine the appropriate weights for each of
the items and categories in the Miscellaneous Component. The category
weights are shown in the following table and in Appendix 21. Item
weights are shown in Appendix 20.
Table 6-1.--Miscellaneous Expense Categories and Weights
------------------------------------------------------------------------
Income level
--------------------------------------
Categories Lower Middle Upper
(percent) (percent) (percent)
------------------------------------------------------------------------
Medical Care..................... 41.36 31.40 24.04
Contributions.................... 16.52 17.18 17.67
Personal Insurance and Retirement
Contributions................... 42.11 51.42 58.29
--------------
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
Runzheimer 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:
--nonprescription pain reliever
--prescription drugs
--contact lenses
--dental service
--doctor visit
--hospital room
--health insurance
Runzheimer surveyed the cost of these items in both the allowance
areas and in the DC area. OPM compared the prices to produce an index
for each item in each area, then combined these indexes using CES
weights to produce a single Medical Care Category index for each area.
The COLA model assumes 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 use of the Goods and Services index
is 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.
6.4 Miscellaneous Expense Analyses
As with the Goods and Services Component, the indexes for each of
the Miscellaneous Component categories were combined using CES weights
to produce component indexes by income level for each area. These
indexes are shown in Appendix 21. Section 2.6 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 23 shows
how each index was derived from the component indexes.
Table 7-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
Allowance area Index
------------------------------------------------------------------------
Anchorage, Alaska............................................ 104.84
Fairbanks, Alaska............................................ 109.90
Juneau, Alaska............................................... 110.57
The rest of Alaska........................................... 129.24
City and County of Honolulu, Hawaii.......................... 121.95
Hawaii County, Hawaii........................................ 111.89
Kauai County, Hawaii......................................... 121.36
Maui County, Hawaii.......................................... 119.53
Guam/CNMI*, Local Retail..................................... 121.88
Guam/CNMI, Commissary/Exchange............................... 116.06
Puerto Rico.................................................. 102.01
[[Page 14206]]
U.S. Virgin Islands.......................................... 119.25
------------------------------------------------------------------------
*CNMI=Commonwealth of the Northern Mariana Islands
Appendix 1.--Publication in the Federal Register of Results of
Nonforeign Area Living-Cost Surveys: 1990-1996
------------------------------------------------------------------------
Citation Title Contents
------------------------------------------------------------------------
56 FR 7902................ Office of Personnel Results of summer
Management: Cost-of- 1990 living-cost
Living Allowances surveys conducted in
and Post Alaska, Hawaii,
Differentials Guam, Puerto Rico,
(Nonforeign Areas). and the U.S. Virgin
Islands.
57 FR 58556............... Office of Personnel Results of summer
Management: Report 1991 and winter 1992
on 1991/1992 Surveys living-cost surveys
Used to Determine conducted in Alaska,
Cost-of-Living Hawaii, Guam, Puerto
Allowances in Rico, and the U.S.
Nonforeign Areas. Virgin Islands.
58 FR 45558............... Office of Personnel Results of summer
Management: Report 1992 and winter 1993
on 1992/1993 Surveys living-cost surveys
Used to Determine conducted in Alaska,
Cost-of-Living Hawaii, Guam, Puerto
Allowances in Rico, and the U.S.
Nonforeign Areas. Virgin Islands.
58 FR 27316............... Office of Personnel Results of summer
Management: Report 1993 living-cost
on Summer 1993 surveys conducted in
Surveys Used to Hawaii, Guam, Puerto
Determine Cost-of- Rico, and the U.S.
Living Allowances in Virgin Islands.
Nonforeign Areas.
59 FR 45066............... Office of Personnel Results of winter
Management: Report 1994 living-cost
on Winter 1994 surveys conducted in
Surveys Used to Alaska.
Determine Cost-of-
Living Allowances in
Alaska.
60 FR 61332............... Office of Personnel Results of summer
Management: Report 1994 living-cost
on Summer 1994 surveys conducted in
Surveys Used to Hawaii, Guam, Puerto
Determine Cost-of- Rico, and the U.S.
Living Allowances in Virgin Islands.
Selected Nonforeign
Areas.
61 FR 4070................ Office of Personnel Results of winter
Management: Report 1995 living-cost
on Winter 1995 surveys conducted in
Surveys Used to Alaska.
Determine Cost-of-
Living Allowances in
Alaska.
------------------------------------------------------------------------
Appendix 2.--Multiple Survey Areas: 1996 Survey
[Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
Location 1993 1994 1995 Average Weights
----------------------------------------------------------------------------------------------------------------
Hawaii County
Hilo............................................ 250 292 286 276 82.88
Kona............................................ 52 60 58 57 17.12
-------------
Total....................................... .......... .......... .......... 333 100.00
=============
Virgin Islands
St. Croix....................................... 142 151 154 149 46.42
St. Thomas/St. John............................. 190 166 160 172 53.58
-------------
Total....................................... .......... .......... .......... 321 100.00
----------------------------------------------------------------------------------------------------------------
Multiple Income Levels: 1996 Survey
[Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
Location and income level 1993 1994 1995 Average Weights
----------------------------------------------------------------------------------------------------------------
Anchorage:
Lower........................................... 1,638 1,609 1,540 1,596 26.44
Middle.......................................... 2,090 1,971 1,754 1,938 32.11
Upper........................................... 2,400 2,583 2,522 2,502 41.45
Totals........................................ .......... .......... .......... 6,036 100.00
=============
Fairbanks:
Lower........................................... 400 444 388 411 33.28
Middle.......................................... 467 442 446 452 36.60
Upper........................................... 318 392 405 372 30.12
Totals........................................ .......... .......... .......... 1,235 100.00
=============
Juneau:
Lower........................................... 139 145 139 141 19.89
[[Page 14207]]
Middle.......................................... 245 220 203 223 31.45
Upper........................................... 334 360 341 345 48.66
Totals........................................ .......... .......... .......... 709 100.00
=============
Rest of Alaska:
Lower........................................... 444 414 349 402 25.62
Middle.......................................... 759 722 703 728 46.40
Upper........................................... 391 445 481 439 27.98
Totals........................................ .......... .......... .......... 1,569 100.00
=============
Honolulu:
Lower........................................... 4,346 4,239 4,140 4,242 32.68
Middle.......................................... 4,540 4,171 3,952 4,221 32.52
Upper........................................... 4,344 4,689 4,514 4,516 34.80
Totals........................................ .......... .......... .......... 12,979 100.00
=============
Hawaii:
Lower........................................... 122 165 139 142 36.69
Middle.......................................... 145 154 164 154 39.79
Upper........................................... 85 91 98 91 23.52
Totals........................................ .......... .......... .......... 387 100.00
=============
Kauai:
Lower........................................... 71 81 73 75 30.24
Middle.......................................... 94 84 76 85 34.28
Upper........................................... 78 89 97 88 35.48
Totals........................................ .......... .......... .......... 248 100.00
=============
Maui:
Lower........................................... 37 39 35 37 25.52
Middle.......................................... 56 56 59 57 39.31
Upper........................................... 51 51 51 51 35.17
Totals........................................ .......... .......... .......... 145 100.00
=============
Guam/CNMI:
Lower........................................... 1,061 1,060 947 1,023 47.12
Middle.......................................... 696 681 669 682 31.41
Upper........................................... 437 498 464 466 21.47
Totals........................................ .......... .......... .......... 2,171 100.00
=============
Puerto Rico:
Lower........................................... 2,330 2,428 2,370 2,376 40.66
Middle.......................................... 2,287 2,184 2,166 2,212 37.86
Upper........................................... 1,140 1,321 1,303 1,255 21.48
Totals........................................ .......... .......... .......... 5,843 100.00
=============
Virgin Islands:
Lower........................................... 128 114 98 113 35.31
Middle.......................................... 133 128 133 131 40.94
Upper........................................... 71 75 83 76 23.75
Totals........................................ .......... .......... .......... 320 100.00
----------------------------------------------------------------------------------------------------------------
Appendix 3--Consumer Expenditure Surveys
[Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
Total complete reporting
---------------------------------------------------------------
1991 1992 1994 Average
----------------------------------------------------------------------------------------------------------------
Average Before Tax Income....................... 33,901.00 33,854.00 36,838.00 34,864.33
Average annual expenditures..................... 30,487.29 30,527.49 32,762.99 31,259.26
Food.......................................... 4,366.88 4,358.56 4,526.94 4,417.46
Food at home................................ 2,724.89 2,684.35 2,764.21 2,724.48
Cereals and bakery products............... 413.81 418.15 439.36 423.77
Cereals and cereal products............. 149.01 144.15 166.94 153.37
Flour................................. 6.61 7.21 7.93 7.25
Prepared flour mixes.................. 14.67 13.62 13.20 13.83
Ready-to-eat and cooked cereals....... 90.13 88.39 102.02 93.51
Rice.................................. 14.49 12.67 15.47 14.21
Pasta, cornmeal and other cereal
products............................. 23.11 22.27 28.32 24.57
[[Page 14208]]
Bakery products......................... 264.80 274.00 272.42 270.41
Bread................................. 76.98 77.58 77.20 77.25
White bread......................... 38.93 38.04 38.02 38.33
Bread, other than white............. 38.04 39.54 39.17 38.92
Crackers and cookies.................. 65.09 67.10 64.36 65.52
Cookies............................. 41.15 40.75 43.78 41.89
Crackers............................ 23.94 26.34 20.58 23.62
Frozen and refrigerated bakery
products............................. 19.33 21.06 22.16 20.85
Other bakery products................. 103.40 108.27 108.70 106.79
Biscuits and rolls.................. 34.12 35.55 37.26 35.64
Cakes and cupcakes.................. 29.49 31.67 31.12 30.76
Bread and cracker products.......... 4.14 4.70 4.68 4.51
Sweetrolls, coffee cakes, doughnuts. 24.05 24.93 23.08 24.02
Pies, tarts, turnovers.............. 11.61 11.41 12.55 11.86
Meats, poultry, fish, and eggs............ 725.06 687.17 728.89 713.71
Beef.................................... 238.59 210.36 226.73 225.23
Ground beef........................... 89.66 87.67 89.79 89.04
Roast................................. 42.62 37.74 37.79 39.38
Chuck roast......................... 16.81 13.48 12.10 14.13
Round roast......................... 12.63 12.96 14.18 13.26
Other roast......................... 13.18 11.30 11.51 12.00
Steak................................. 87.83 69.00 85.81 80.88
Round steak......................... 16.56 14.63 16.44 15.88
Sirloin steak....................... 23.58 17.72 24.09 21.80
Other steak......................... 47.68 36.65 45.28 43.20
Other beef............................ 18.47 15.95 13.34 15.92
Pork.................................... 146.62 155.56 154.66 152.28
Bacon................................. 21.28 20.47 23.01 21.59
Pork chops............................ 35.26 34.88 37.47 35.87
Ham................................... 38.92 42.73 36.74 39.46
Ham, not canned..................... 35.84 38.98 33.91 36.24
Canned ham.......................... 3.08 3.75 2.84 3.22
Sausage............................... 21.01 23.29 22.63 22.31
Other pork............................ 30.15 34.19 34.80 33.05
Other meats............................. 102.91 94.58 94.34 97.28
Frankfurters.......................... 23.87 21.19 19.13 21.40
Lunch meats (cold cuts)............... 70.13 63.56 65.67 66.45
Bologna, liverwurst, salami......... 23.75 22.91 23.25 23.30
Other lunchmeats.................... 46.39 40.65 42.41 43.15
Lamb, organ meats and others.......... 8.91 9.84 9.54 9.43
Lamb and organ meats................ 7.89 8.74 9.31 8.65
Mutton, goat and game............... 1.02 1.10 0.24 0.79
Poultry................................. 123.67 123.39 135.32 127.46
Fresh and frozen chickens............. 92.17 91.28 107.49 96.98
Fresh whole chicken................. 24.27 19.61 NA 21.94
Fresh and frozen whole chicken...... NA NA 29.05 29.05
Fresh and frozen chicken parts...... 67.90 71.67 78.44 72.67
Other poultry, incl. whole frozen
chickens............................. 31.50 32.10 NA 31.80
Other poultry......................... NA NA 27.83 27.83
Fish and seafood........................ 81.51 74.99 87.13 81.21
Canned fish and seafood............... 18.40 17.46 15.60 17.15
Fresh and frozen shellfish............ 25.27 21.36 NA 23.32
Fresh and frozen finfish.............. 37.83 36.17 NA 37.00
Fresh fish and shellfish.............. NA NA 48.29 48.29
Frozen fish and shellfish............. NA NA 23.23 23.23
Eggs.................................... 31.77 28.30 30.72 30.26
Dairy products............................ 306.57 307.10 297.87 303.85
Fresh milk and cream.................... 134.72 136.59 131.98 134.43
Whole milk............................ 49.88 47.69 NA 48.79
Other milk and cream.................. 84.84 88.90 NA 86.87
Fresh milk, all types................. NA NA 123.44 123.44
Cream................................. NA NA 8.55 8.55
Other dairy products.................... 171.85 170.52 165.88 169.42
Butter................................ 10.62 9.71 11.78 10.70
Cheese................................ 90.15 87.72 84.78 87.55
Ice cream and related products........ 50.47 51.93 48.15 50.18
Miscellaneous dairy products.......... 20.61 21.16 21.17 20.98
Fruits and vegetables..................... 437.70 435.20 446.10 439.67
Fresh fruits............................ 132.65 129.17 135.12 132.31
[[Page 14209]]
Apples................................ 26.69 26.64 25.34 26.22
Bananas............................... 27.62 26.48 30.25 28.12
Oranges............................... 12.28 13.23 16.05 13.85
Other fresh fruits.................... 66.06 62.82 63.49 64.44
Fresh vegetables........................ 131.09 127.84 138.99 132.64
Potatoes.............................. 25.25 24.56 28.24 26.02
Lettuce............................... 15.51 16.33 17.65 16.50
Tomatoes.............................. 21.64 19.85 21.59 21.03
Other fresh vegetables................ 68.69 67.10 71.52 69.10
Processed fruits........................ 99.35 102.67 95.31 99.11
Frozen fruits and fruit juices........ 22.09 21.35 16.38 19.94
Frozen orange juice................. 14.09 13.34 9.57 12.33
Other frozen fruits and juices...... 7.99 8.01 6.81 8.00
Canned and dried fruits............... 24.23 23.48 21.11 23.86
Fresh, canned or bottled fruit juices. 53.03 57.83 57.83 55.43
Processed vegetables.................... 74.61 75.53 76.68 75.61
Frozen vegetables..................... 26.45 25.46 24.78 25.56
Canned and dried vegetables and juices 48.16 50.07 51.90 50.04
Canned beans........................ 9.26 10.09 10.61 9.99
Canned corn......................... 6.29 7.40 6.99 6.89
Other canned and dried veg. and
juices............................. 32.61 32.59 34.30 32.60
Other food at home........................ 841.75 836.73 851.99 843.49
Sugar and other sweets.................. 104.62 106.24 110.67 107.18
Candy and chewing gum................. 59.10 62.86 66.52 62.83
Sugar................................. 20.80 18.12 18.30 19.07
Artificial sweeteners................. 3.23 3.24 3.57 3.35
Jams, preserves, other sweets......... 21.48 22.02 22.28 21.93
Fats and oils........................... 73.12 73.79 80.76 75.89
Margarine............................. 14.31 14.56 14.68 14.52
Other fats, oils, and salad dressing.. 39.96 40.94 47.48 40.45
Nondairy cream and imitation milk..... 6.56 6.75 6.71 6.67
Peanut butter......................... 12.30 11.53 11.89 11.91
Miscellaneous foods..................... 387.81 393.26 369.77 383.61
Frozen prepared foods................. 71.21 73.99 65.79 70.33
Frozen meals........................ 25.00 22.99 20.54 22.84
Other frozen prepared foods......... 46.21 51.01 45.25 47.49
Canned and packaged soups............. 26.23 25.44 30.21 27.29
Potato chips, nuts, and other snacks.. 78.66 78.63 75.91 77.73
Potato chips and other snacks....... 62.03 62.34 59.81 61.39
Nuts................................ 16.63 16.29 16.10 16.34
Condiments and seasonings............. 87.93 90.44 82.47 86.95
Salt, spices, other seasonings...... 19.15 20.79 19.68 19.87
Olives, pickles, relishes........... 11.05 10.82 10.76 10.88
Sauces and gravies.................. 42.03 43.55 38.05 41.21
Baking needs and misc. products..... 15.71 15.29 13.98 14.99
Other canned and packaged prepared
foods................................ 123.78 124.75 115.39 121.31
Salads and desserts................. 17.87 20.42 19.30 19.15
Baby food........................... 23.56 24.11 27.68 25.12
Miscellaneous prepared foods........ 82.35 80.22 68.41 76.99
Nonalcoholic beverages.................. 233.06 219.33 241.81 231.40
Cola.................................. 92.26 86.71 93.27 90.75
Other carbonated drinks............... 39.32 40.41 40.20 39.98
Coffee................................ 42.59 40.13 43.29 42.00
Roasted coffee...................... 25.35 24.56 29.20 26.37
Instant and freeze dried coffee..... 17.24 15.57 14.09 15.63
Noncarbonated fruit flavored drinks... 25.74 20.15 NA 22.95
Noncarbonated fruit flavored drinks,
inc. non-frozen lemonade............. NA NA 23.02 23.02
Tea................................... 14.66 14.26 16.75 15.22
Nonalcoholic beer.................... NA NA 0.76 0.76
Other nonalcoholic beverages.......... 18.51 17.68 24.52 20.24
Food prepared by consumer unit on out-of-
town trips............................. 43.13 44.12 48.98 45.41
Food away from home......................... 1,641.99 1,674.21 1,762.72 1,692.97
Meals at restaurants, carry-outs and other 1,300.05 1,344.40 1,363.26 1,335.90
Lunch................................... 463.89 476.89 475.88 472.22
Dinner.................................. 601.50 619.67 668.88 630.02
Snacks and nonalcoholic beverages....... 133.59 141.35 110.46 128.47
Breakfast and brunch.................... 101.08 106.49 108.05 105.21
Board (including at school)............... 43.00 46.92 50.40 46.77
Catered affairs........................... 46.07 40.77 55.38 47.41
[[Page 14210]]
Food on out-of-town trips................. 178.84 167.14 213.45 186.48
School lunches............................ 46.89 47.40 54.93 49.74
Meals as pay.............................. 27.13 27.58 25.30 26.67
Alcoholic beverages........................... 313.94 321.12 296.57 310.54
At home..................................... 166.77 177.01 175.40 173.06
Beer and ale.............................. 87.98 99.54 108.74 98.75
Whiskey................................... 17.07 14.23 14.25 15.18
Wine...................................... 45.33 43.11 36.06 41.50
Other alcoholic beverages................. 16.38 20.13 16.36 17.62
Away from home.............................. 147.17 144.11 121.17 137.48
Beer and ale.............................. 46.76 48.77 42.50 46.01
Wine...................................... 25.57 22.95 16.74 21.75
Other alcoholic beverages................. 46.66 47.06 30.22 41.31
Alcoholic beverages purchased on trips.... 28.19 25.34 31.71 28.41
Housing....................................... 9,325.13 9,528.41 10,189.41 9,680.98
Shelter..................................... 5,208.28 5,431.78 5,695.83 5,445.30
Owned dwellings........................... 3,279.50 3,307.24 3,464.04 3,350.26
Mortgage interest and charges........... 1,951.95 1,984.40 1,925.26 1,953.87
Mortgage interest..................... 1,880.31 1,856.78 1,825.30 1,854.13
Interest paid, home equity loan....... 33.34 63.99 44.67 47.33
Interest paid, home equity line of
credit............................... 37.94 63.32 54.73 52.00
Prepayment penalty charges............ 0.36 0.31 0.56 0.41
Property taxes.......................... 767.69 760.97 879.41 802.69
Maintenance, repairs, insurance, other
expenses............................... 559.86 561.86 659.37 593.70
Homeowners and related insurance...... 164.20 176.37 209.07 183.21
Fire and extended coverage.......... 3.84 5.02 6.34 5.07
Homeowners insurance................ 160.36 171.35 202.73 178.15
Ground rent........................... 33.78 33.40 40.26 35.81
Maintenance and repair services....... 278.55 268.09 312.65 286.43
Painting and papering............... 39.24 37.27 43.27 39.93
Plumbing and water heating.......... 31.48 34.02 36.45 33.98
Heat, a/c, electrical work.......... 45.96 53.14 55.08 51.39
Roofing and gutters................. 54.11 40.98 48.91 48.00
Other repair and maintenance
services (old)..................... 99.93 91.16 NA 95.55
Other repair and maintenance
services........................... NA NA 112.39 112.39
Repair and replacement of hard
surface flooring................... 6.47 10.16 14.76 10.46
Repair of built-in appliances....... 1.36 1.36 1.78 1.50
Maintenance and repair commodities.... 69.18 63.89 75.59 69.55
Paints, wallpaper and supplies...... 16.27 16.50 18.95 17.24
Tools and equipment for painting and
wallpapering....................... 1.75 1.77 2.04 1.85
Plumbing supplies and equipment..... 7.65 5.96 8.57 7.39
Electrical supplies, heating and
cooling equipment.................. 3.44 7.13 5.86 5.48
Materials for hard surface flooring,
repair/replacement................. 2.17 3.13 5.08 3.46
Materials and equipment for roof and
gutters............................ 6.61 6.20 5.94 6.25
Materials for plaster, panelling,
siding, doors, etc................. 10.86 7.29 12.78 10.31
Materials for patio, walk, fence,
driveway, etc...................... 0.55 0.67 0.52 0.58
Materials for landscaping
maintenance........................ 1.77 1.15 1.48 1.47
Miscellaneous supplies and equipment 18.11 14.08 14.37 15.52
Material for insulation, other
maint., and repair............... 12.55 7.84 10.19 10.19
Materials to finish basements,
remodelling, etc................. 5.56 6.24 4.18 5.33
Property management and security...... 13.44 20.12 21.59 18.38
Property management................. 8.61 13.24 12.78 11.54
Management and upkeep services for
security........................... 4.84 6.88 8.81 6.84
Parking............................... 0.70 NA 0.21 0.46
Rented dwellings.......................... 1,609.43 1,787.19 1,828.52 1,741.71
Rent.................................... 1,538.23 1,714.30 1,755.05 1,669.19
Rent as pay............................. 44.87 37.09 42.31 41.42
Maintenance, insurance and other
expenses............................... 26.33 35.80 31.16 31.10
Tenant's insurance.................... 9.76 9.16 9.65 9.52
Maintenance and repair services....... 9.96 11.88 11.56 11.13
Repair or maintenance services (old) 9.49 11.52 NA 10.51
Repair or maintenance services...... NA NA 10.37 10.37
Repair and replacement of hard
surface flooring................... 0.38 0.29 1.05 0.57
Repair of built-in appliances....... 0.08 0.07 0.13 0.09
Maintenance and repair commodities.... 6.61 14.76 9.95 10.44
Paint, wallpaper, and supplies...... 2.07 1.70 2.09 1.95
Tools and equipment for painting and
wallpapering....................... 0.22 0.18 0.22 0.21
Materials for plastering, panels,
roofing, gutters, etc.............. 0.43 2.86 1.23 1.51
Materials for patio, walk, fence,
driveway, etc...................... 0.02 0.04 0.09 0.05
[[Page 14211]]
Plumbing supplies and equipment..... 0.25 0.55 0.70 0.50
Electrical supplies, heating and
cooling equipment.................. 0.34 0.26 1.36 0.65
Miscellaneous supplies and equipment 2.17 7.71 3.41 4.43
Material for insulation, other
maintenance and repair........... 0.82 1.51 1.13 1.15
Termite and pest control (capital
improvement)..................... NA NA NA NA
Materials for additions, finishing
basements, etc................... 1.34 5.90 1.67 2.97
Construction materials for jobs
not started...................... 0.01 0.30 0.61 0.31
Material for hard surface flooring.. 0.59 0.90 0.54 0.68
Material for landscape maintenance.. 0.53 0.55 0.31 0.46
Other lodging............................. 319.35 337.35 403.28 353.33
Owned vacation homes.................... 92.13 115.29 122.14 109.85
Mortgage interest and charges......... 39.20 54.55 43.30 45.68
Mortgage interest................... 38.93 50.60 39.56 43.03
Interest paid, home equity loan..... 0.02 1.06 0.43 0.50
Interest paid, home equity line of
credit............................. 0.26 2.88 3.31 2.15
Prepayment penalty charge........... NA NA NA NA
Property taxes........................ 37.77 42.04 51.02 43.61
Maintenance, insurance, and other
expenses............................. 15.17 18.70 27.82 20.56
Homeowners and related insurance.... 3.79 4.10 7.66 5.18
Homeowners insurance.............. 3.65 3.86 7.35 4.95
Fire and extended coverage........ 0.14 0.24 0.31 0.23
Ground rent......................... 2.32 1.75 3.62 2.56
Maintenance and repair services..... 5.25 7.53 11.87 8.22
Repair and remodeling services
(old)............................ 5.14 7.39 NA 6.27
Repair and remodeling services.... NA NA 11.40 11.40
Repair and replacement of hard
surface flooring................. 0.11 0.15 0.47 0.24
Maintenance and repair commodities.. 0.53 1.97 1.35 1.28
Paints, wallpaper, supplies....... 0.15 1.31 0.16 0.54
Tools and equipment for painting
and wallpapering................. 0.02 0.14 0.02 0.06
Materials for plaster., panel.,
roof., gutters, etc.............. 0.05 0.07 0.10 0.07
Material for patio, walk, fence,
drive, masonry, etc.............. 0.00 0.01 NA 0.01
Plumbing supplies and equipment... 0.05 0.32 0.05 0.14
Electrical supplies, heating and
cooling equipment................ 0.09 0.03 NA 0.06
Miscellaneous supplies and
equipment........................ 0.12 0.09 0.99 0.40
Material for insulation, other
maintenance and repair......... 0.04 0.09 0.99 0.37
Material for finishing basements
& remodeling rooms............. 0.08 NA NA 0.08
Materials for hard surface
flooring......................... NA NA 0.03 0.03
Materials for landscaping
maintenance...................... 0.06 NA NA 0.06
Property management and security.... 3.19 3.35 3.27 3.27
Property management............... 1.96 2.25 2.36 2.19
Management and upkeep services for
security......................... 1.23 1.10 0.91 1.08
Parking............................. 0.09 NA 0.06 0.08
Housing while attending school.......... 59.66 54.71 59.54 57.97
Lodging on out-of-town trips............ 167.56 167.34 221.60 185.50
Utilities, fuels, and public services....... 1,961.13 1,962.49 2,170.32 2,031.31
Natural gas............................... 240.89 246.97 280.09 255.98
Utility--natural gas (renter)........... 50.96 55.98 60.54 55.83
Utility--natural gas (owned home)....... 189.11 189.86 216.97 198.65
Utility--natural gas (owned vacation)... 0.82 1.07 2.53 1.47
Utility--natural gas (rented vacation).. NA 0.06 0.05 0.06
Electricity............................... 791.57 770.65 846.21 802.81
Electricity (renter).................... 189.36 201.59 207.80 199.58
Electricity (owned home)................ 595.84 562.26 630.39 596.16
Electricity (owned vacation)............ 6.00 6.59 7.36 6.65
Electricity (rented vacation)........... 0.37 0.20 0.65 0.41
Fuel oil and other fuels.................. 103.30 93.93 98.11 98.45
Fuel oil................................ 62.83 55.61 59.27 59.24
Fuel oil (renter)..................... 5.61 7.00 6.49 6.37
Fuel oil (owned home)................. 56.67 48.25 52.38 52.43
Fuel oil (owned vacation)............. 0.51 0.36 0.40 0.42
Fuel oil (rented vacation)............ 0.04 NA NA 0.04
Coal.................................... 4.66 2.50 1.66 2.94
Coal (renter)......................... 0.26 0.05 0.55 0.29
Coal (owned home)..................... 4.38 2.44 1.12 2.65
Coal (owned vacation)................. 0.02 0.02 NA 0.02
Coal (rented vacation)................ NA NA NA NA
Bottled gas............................. 27.47 27.18 30.68 28.44
Gas, btld/tank (renter)............... 4.19 4.79 4.19 4.39
Gas, btld/tank (owned home)........... 21.14 20.75 23.43 21.77
[[Page 14212]]
Gas, btld/tank (owned vacation)....... 2.11 1.64 3.03 2.26
Gas, btld/tank (rented vacation)...... 0.02 NA 0.04 0.03
Wood and other fuels.................... 8.35 8.64 6.49 7.83
Wood/other fuels (renter)............. 1.37 1.59 0.61 1.19
Wood/other fuels (owned home)......... 6.92 6.71 5.81 6.48
Wood/other fuels (owned vacation)..... 0.05 0.34 0.06 0.15
Wood/other fuels (rented vacation).... NA NA NA NA
Telephone services........................ 608.50 619.87 688.52 638.96
Telephone (old)......................... 48.22 0.00 NA 24.11
Telephone services in home city,
excluding car phones................... 560.28 619.87 674.31 618.15
Telephone services for mobile car phones NA NA 14.21 14.21
Water and other public services........... 216.87 231.08 257.41 235.12
Water and sewerage maintenance.......... 159.33 160.22 182.67 167.41
Water/sewer maint. (renter)........... 22.04 24.38 26.75 24.39
Water/sewer maint. (owned home)....... 136.19 133.69 154.37 141.42
Water/sewer maint. (owned vacation)... 1.09 2.10 1.50 1.56
Water/sewer maint. (rented vacation).. 0.01 0.05 0.04 0.03
Trash and garbage collection............ 55.90 69.38 73.48 66.25
Trash/garb. coll. (renter)............ 7.26 7.37 9.37 8.00
Trash/garb. coll. (owned home)........ 47.64 59.92 62.61 56.72
Trash/garb. coll. (owned vacation).... 1.00 2.09 1.45 1.51
Trash/garb. coll. (rented vacation)... NA 0.01 0.04 0.02
Septic tank cleaning.................... 1.65 1.47 1.26 1.46
Septic tank clean. (renter)........... 0.07 0.11 0.01 0.06
Septic tank clean. (owned home)....... 1.57 1.29 1.23 1.36
Septic tank clean. (owned vacation)... 0.01 0.07 NA 0.04
Septic tank clean. (rented vacation).. NA NA 0.01 0.01
Household operations........................ 451.97 487.20 499.86 479.68
Personal services......................... 224.86 253.05 240.70 239.54
Babysitting............................. 83.78 85.92 81.17 84.85
Care for elderly, invalids, handicapped,
etc.................................... 26.56 43.92 19.24 29.91
Day-care centers, nursery, and
preschools............................. 114.51 123.21 140.29 126.00
Other household expenses.................. 227.11 234.15 259.16 240.14
Housekeeping services................... 77.46 71.70 82.83 77.33
Gardening, lawn care service............ 60.85 64.99 69.73 65.19
Water softening service................. 2.72 3.28 2.65 2.88
Household laundry, dry cleaning, sent
out (nonclothing)...................... 2.21 2.32 1.79 2.11
Coin-operated laundry and dry cleaning
(nonclothing).......................... 4.91 5.58 5.40 5.30
Services for termite/pest control
maintenance............................ NA NA 7.46 7.46
Other home services..................... 16.79 18.38 20.11 18.43
Termite/pest control products........... 0.22 0.29 0.29 0.27
Moving, storage, freight express........ 22.73 24.37 27.54 24.88
Appliance repair, including service
center................................. 16.96 15.88 15.24 16.03
Reupholstering, furniture repair........ 11.51 18.56 11.03 13.70
Repair/rental of lawn/garden equipment,
tools, etc............................. 5.78 3.74 9.20 6.24
Appliance rental........................ 1.28 1.86 1.55 1.56
Rental of office equipment for
nonbusiness use........................ 0.17 0.13 0.31 0.20
Repair of misc. household equipment and
furnishings............................ 2.34 1.89 2.46 2.23
Repair of computer systems for
nonbusiness use........................ 1.19 1.19 1.57 1.32
Rental/installation of dishwashers,
range hoods, etc....................... NA NA NA NA
Housekeeping supplies....................... 451.34 462.61 424.30 446.08
Laundry and cleaning supplies............. 123.66 123.97 117.94 121.86
Soaps and detergents.................... 73.49 70.41 66.49 70.13
Other laundry cleaning products......... 50.17 53.56 51.45 51.73
Other household products.................. 197.81 211.79 187.75 199.12
Cleansing and toilet tissue, paper
towels and napkins..................... 62.60 60.52 60.17 61.10
Miscellaneous household products........ 91.22 94.75 80.66 88.88
Lawn and garden supplies................ 44.00 56.52 46.92 49.15
Postage and stationery.................... 129.87 126.85 118.61 125.11
Stationery, stationery supplies,
giftwraps.............................. 66.09 62.59 62.86 63.85
Postage................................. 63.78 64.26 55.74 61.26
Household furnishings and equipment......... 1,252.41 1,184.33 1,399.10 1,278.61
Household textiles........................ 107.35 94.56 106.15 102.69
Bathroom linens......................... 24.61 15.62 13.89 18.04
Bedroom linens.......................... 39.34 43.17 52.67 45.06
Kitchen and dining room linens.......... 4.76 7.84 7.27 6.62
Curtains and draperies.................. 18.09 19.11 19.08 18.76
Slipcovers, decorative pillows.......... 1.36 1.42 2.08 1.62
Sewing material for slipcovers,
curtains, etc.......................... 18.17 6.54 10.11 11.61
[[Page 14213]]
Other linens............................ 1.04 0.86 1.04 0.98
Furniture................................. 297.24 316.15 323.70 312.36
Mattress and springs.................... 35.82 38.97 44.00 39.60
Other bedroom furniture................. 46.24 57.57 53.64 52.48
Sofas................................... 65.48 70.67 76.89 71.01
Living room chairs...................... 34.99 30.70 34.47 33.39
Living room tables...................... 14.24 17.63 14.27 15.38
Kitchen, dining room furniture.......... 46.11 42.37 49.61 46.03
Infants' furniture...................... 7.58 6.74 6.04 6.79
Outdoor furniture....................... 13.59 11.02 12.29 12.30
Occasional furniture.................... 33.18 40.48 32.50 35.39
Floor coverings........................... 128.97 61.08 131.65 107.23
Wall-to-wall carpeting (renter)......... 2.02 2.57 2.50 2.36
Wall-to-wall carpet, installed
(renter)............................. 1.56 2.05 2.12 1.91
Wall-to-wall carpet, not installed
carpet squares (renter).............. 0.46 0.52 0.38 0.45
Wall-to-wall carpet (replacement) (owned
home).................................. 34.99 29.06 34.44 32.83
Wall-to-wall carpet, not installed,
carpet squares (owner)............... 2.91 1.89 1.81 2.20
Wall-to-wall carpet, installed
(replacement) (owner)................ 32.08 27.17 32.63 30.63
Room size rugs and other floor covering,
nonpermanent........................... 91.96 29.45 94.72 72.04
Major appliances.......................... 131.98 144.89 152.32 143.06
Dishwashers (built-in), garbage
disposals, etc. (renter)............... 0.98 0.16 0.75 0.63
Dishwashers (built-in), garbage
disposals, etc. (owner)................ 9.54 7.21 10.97 9.24
Refrigerators, freezers (renter)........ 7.51 8.38 6.90 7.60
Refrigerators, freezers (owned home).... 25.85 33.30 38.91 32.69
Washing machines (renter)............... 4.28 6.28 6.05 5.54
Washing machines (owned home)........... 17.22 15.85 14.39 15.82
Clothes dryers (renter)................. 2.34 3.35 4.04 3.24
Clothes dryers (owned home)............. 7.05 9.78 9.31 8.71
Cooking stoves, ovens (renter).......... 2.18 3.11 2.42 2.57
Cooking stoves, ovens (owned home)...... 13.20 14.81 22.97 16.99
Microwave ovens (renter)................ 2.09 3.09 3.35 2.84
Microwave ovens (owned home)............ 4.85 4.74 6.48 5.36
Portable dishwasher (renter)............ 0.14 0.11 0.08 0.11
Portable dishwasher (owned home)........ 0.24 1.15 0.49 0.63
Window air conditioners (renter)........ 1.12 1.18 2.83 1.71
Window air conditioners (owned home).... 7.61 3.31 3.93 4.95
Electric floor cleaning equipment....... 15.03 13.63 13.92 14.19
Sewing machines......................... 5.19 5.15 2.92 4.42
Miscellaneous household appliances...... 5.56 10.29 1.61 5.82
Small appliances, miscellaneous housewares 83.38 86.46 85.73 85.19
Housewares.............................. 57.82 62.47 60.60 60.30
Plastic dinnerware.................... 1.79 1.61 1.60 1.67
China and other dinnerware............ 11.56 11.60 11.63 11.60
Flatware.............................. 4.07 3.97 5.16 4.40
Glassware............................. 7.08 13.59 8.14 9.60
Silver serving pieces................. 3.83 1.35 1.31 2.16
Other serving pieces.................. 1.78 1.59 1.63 1.67
Nonelectric cookware.................. 11.67 11.66 15.22 12.85
Tableware, nonelectric kitchenware.... 16.02 17.08 15.92 16.34
Small appliances........................ 25.56 23.99 25.13 24.89
Small electric kitchen appliances..... 18.05 18.75 18.19 18.33
Portable heating and cooling equipment 7.52 5.23 6.94 6.56
Miscellaneous household equipment......... 503.48 481.19 599.55 528.07
Window coverings........................ 12.79 17.37 14.48 14.88
Infants' equipment...................... 10.62 5.52 7.46 7.87
Laundry and cleaning equip.............. 9.19 10.99 11.25 10.48
Outdoor equipment....................... 6.20 4.83 5.48 5.50
Clocks.................................. 4.45 3.38 5.32 4.38
Lamps and lighting fixtures............. 22.80 26.10 36.98 28.63
Other household decorative items........ 107.69 111.16 119.06 112.64
Telephones and accessories.............. 62.21 20.55 38.10 40.29
Lawn and garden equipment............... 39.58 43.15 53.17 45.30
Power tools............................. 13.25 16.15 13.51 14.30
Small miscellaneous furnishings......... 5.23 1.15 1.88 2.75
Hand tools.............................. 11.71 14.07 9.88 11.89
Indoor plants, fresh flowers............ 57.80 53.49 52.70 54.66
Closet and storage items................ 6.99 12.21 8.33 9.18
Rental of furniture..................... 3.36 3.67 4.53 3.85
Luggage................................. 7.49 7.04 8.00 7.51
[[Page 14214]]
Computers and computer hardware
nonbusiness use........................ 63.64 63.66 115.01 80.77
Computer software/accessories for
nonbusiness use........................ 8.69 9.48 20.05 12.74
Telephone answering devices............. 5.00 4.64 3.95 4.53
Calculators............................. 2.56 1.57 2.35 2.16
Business equipment for home use......... 5.02 4.23 4.75 4.67
Other hardware.......................... 11.83 13.74 25.27 16.95
Smoke alarms (owned home)............... 0.38 0.47 0.86 0.57
Smoke alarms (renter)................... 0.09 0.06 0.15 0.10
Smoke alarms (owned vacation)........... NA NA NA NA
Other household appliances (owned home). 4.63 4.40 6.69 5.24
Other household appliances (renter)..... 0.87 0.99 1.36 1.07
Miscellaneous household equipment and
parts.................................. 19.42 27.08 28.95 25.15
Apparel and services.......................... 1,801.23 1,732.90 1,688.22 1,740.78
Men and boys................................ 448.88 436.86 418.74 434.83
Men, 16 and over.......................... 357.81 353.05 320.76 343.87
Men's suits............................. 39.20 43.98 32.42 38.53
Men's sportcoats, tailored jackets...... 13.84 12.04 13.87 13.25
Men's coats and jackets................. 30.48 26.12 29.56 28.72
Men's underwear......................... 12.26 14.13 12.90 13.10
Men's hosiery........................... 12.60 13.73 10.30 12.21
Men's nightwear......................... 6.24 5.84 2.73 4.94
Men's accessories....................... 34.42 33.64 29.43 32.50
Men's sweaters and vests................ 13.47 13.11 14.23 13.60
Men's active sportswear................. 12.15 11.96 11.96 12.02
Men's shirts............................ 87.10 87.25 79.19 84.51
Men's pants............................. 77.09 70.18 62.55 69.94
Men's shorts, shorts sets............... 13.53 16.40 15.91 15.28
Men's uniforms.......................... 5.00 3.70 3.35 4.02
Men's costumes.......................... 0.42 0.98 2.34 1.25
Boys, 2 to 15............................. 91.07 83.82 97.98 90.96
Boys' coats and jackets................. 4.36 5.73 6.61 5.57
Boys' sweaters.......................... 3.09 2.70 2.76 2.85
Boys' shirts............................ 21.80 19.50 21.53 20.94
Boys' underwear......................... 4.96 4.89 4.57 4.81
Boys' nightwear......................... 2.21 2.83 2.13 2.39
Boys' hosiery........................... 4.97 4.26 3.75 4.33
Boys' accessories....................... 4.58 5.19 7.57 5.78
Boys' suits, sportcoats, vests.......... 0.51 2.13 6.10 2.91
Boys' pants............................. 24.72 19.41 21.77 21.97
Boys' shorts, shorts sets............... 11.51 9.03 12.15 10.90
Boys' uniforms, active sportswear....... 7.43 7.30 7.76 7.50
Boys' costumes.......................... 0.93 0.85 1.30 1.03
Women and girls............................. 724.73 703.40 653.73 693.95
Women, 16 and over........................ 624.19 607.23 552.35 594.59
Women's coats and jackets............... 40.55 58.80 49.54 49.63
Women's dresses......................... 118.10 89.96 81.37 96.48
Women's sportcoats, tailored jackets.... 6.02 3.90 4.15 4.69
Women's vests and sweaters.............. 46.00 40.43 32.73 39.72
Women's shirts, tops, blouses........... 114.03 106.20 96.49 105.57
Women's skirts.......................... 28.63 21.52 19.13 23.09
Women's pants........................... 69.35 79.18 58.46 69.00
Women's shorts, shorts sets............. 20.40 23.33 23.01 22.25
Women's active sportswear............... 28.54 32.91 24.30 28.58
Women's sleepwear....................... 20.98 25.33 24.72 23.68
Women's undergarments................... 27.53 33.13 24.46 28.37
Women's hosiery......................... 27.13 25.01 25.02 25.72
Women's suits........................... 33.54 30.71 37.27 33.84
Women's accessories..................... 38.59 33.98 49.54 40.70
Women's uniforms........................ 1.47 1.82 0.42 1.24
Women's costumes........................ 3.34 1.01 1.73 2.03
Girls, 2 to 15............................ 100.53 96.17 101.38 99.36
Girls' coats and jackets................ 6.71 7.65 7.23 7.20
Girls' dresses, suits................... 13.87 13.23 13.99 13.70
Girls' shirts, blouses, sweaters........ 23.20 22.42 25.48 23.70
Girls' skirts and pants................. 15.56 14.87 16.06 15.50
Girls' shorts, shorts sets.............. 8.41 9.83 9.07 9.10
Girls' active sportswear................ 10.66 8.41 6.56 8.54
Girls' underwear and sleepwear.......... 6.16 6.26 7.49 6.64
Girls' hosiery.......................... 6.09 5.05 5.82 5.65
[[Page 14215]]
Girls' accessories...................... 5.49 4.50 4.55 4.85
Girls' uniforms......................... 2.26 1.86 2.15 2.09
Girls' costumes......................... 2.12 2.08 2.98 2.39
Children under 2............................ 85.67 80.39 83.32 83.13
Infant coat, jacket, snowsuit............. 2.99 3.25 2.69 2.98
Infant dresses, outerwear................. 17.87 20.75 22.30 20.31
Infant underwear.......................... 51.00 46.85 49.15 49.00
Infant nightwear, loungewear.............. 3.11 4.26 3.94 3.77
Infant accessories........................ 5.15 5.28 5.23 5.22
Infant hosiery............................ 0.10 NA NA 0.10
Footwear.................................... 258.04 243.05 258.43 253.17
Men's footwear............................ 72.47 73.53 84.05 76.68
Boys' footwear............................ 29.42 31.65 34.18 31.75
Women's footwear.......................... 128.82 115.47 113.26 119.18
Girls' footwear........................... 27.33 22.41 26.94 25.56
Other apparel products and services......... 283.91 269.19 274.00 275.70
Material for making clothes............... 9.10 8.58 7.24 8.31
Sewing patterns and notions............... 3.00 2.56 2.57 2.71
Watches................................... 20.45 20.47 24.45 21.79
Jewelry................................... 121.45 108.73 108.96 113.05
Shoe repair and other shoe service........ 4.27 3.47 3.16 3.63
Coin-operated apparel laundry and dry
cleaning................................. 37.63 38.61 37.33 37.86
Apparel alteration and repair............. 6.23 6.02 6.90 6.38
Clothing rental........................... 4.02 3.56 3.75 3.78
Watch and jewelry repair.................. 6.94 5.54 5.99 6.16
Apparel laundry and dry cleaning not coin
operated................................. 69.99 70.94 73.18 71.37
Clothing storage.......................... 0.83 0.71 0.47 0.67
Transportation................................ 5,235.41 5,232.14 6,075.53 5,514.36
Vehicle purchases (net outlay).............. 2,154.04 2,167.03 2,703.01 2,341.36
Cars and trucks, new...................... 1,072.55 1,095.97 1,333.33 1,167.28
New cars................................ 749.65 749.56 727.70 742.30
New trucks.............................. 322.90 346.42 605.63 424.98
Cars and trucks, used..................... 1,060.67 1,033.39 1,320.82 1,138.29
Used cars............................... 742.29 737.98 866.68 782.32
Used trucks............................. 318.39 295.42 454.14 355.98
Other vehicles............................ 20.82 37.66 48.85 35.78
New motorcycles......................... 2.87 18.06 25.77 15.57
New aircraft............................ NA NA NA NA
Used motorcycles........................ 17.95 9.04 23.09 16.69
Used aircraft........................... NA 10.57 NA 10.57
Gasoline and motor oil...................... 998.10 972.68 989.97 986.92
Gasoline.................................. 884.83 868.13 877.48 876.81
Diesel fuel............................... 9.23 9.86 9.16 9.42
Gasoline on out-of-town trips............. 91.98 82.43 90.64 88.35
Gasohol................................... NA NA 0.18 0.18
Motor oil................................. 11.31 11.44 11.60 11.45
Motor oil on out-of-town trips............ 0.74 0.83 0.92 0.83
Other vehicle expenses...................... 1,775.67 1,805.62 1,989.07 1,856.79
Vehicle finance charges................... 280.20 258.96 238.49 259.22
Automobile finance charges.............. 190.05 169.13 139.82 166.33
Truck finance charges................... 75.90 71.72 86.72 78.11
Motorcycle and plane finance charges.... 0.50 1.93 1.05 1.16
Other vehicle finance charges........... 13.76 16.18 10.90 13.61
Maintenance and repairs................... 641.71 627.51 700.79 656.67
Coolant, additives, brake, transmission
fluids................................. 6.94 6.77 6.32 6.68
Tires - purchased, replaced, installed.. 85.76 92.70 89.79 89.42
Parts, equipment, and accessories....... 100.00 75.63 111.43 95.69
Vehicle audio equipment, excluding labor NA NA 5.45 5.45
Vehicle products........................ 3.19 3.14 5.28 3.87
Misc. auto repair, servicing............ 22.31 20.13 33.34 25.26
Body work and painting.................. 30.35 32.21 36.88 33.15
Clutch, transmission repair............. 35.98 34.71 46.56 39.08
Drive shaft and rear-end repair......... 6.97 7.96 5.94 6.96
Brake work.............................. 42.57 43.87 43.70 43.38
Repair to steering or front-end......... 12.69 15.62 18.42 15.58
Repair to engine cooling system......... 24.02 24.59 22.60 23.74
Motor tune-up........................... 46.97 46.95 42.86 45.59
Lube, oil change, and oil filters....... 33.01 35.54 39.86 36.14
Front-end alignment, wheel balance...... 11.64 12.40 NA 12.02
[[Page 14216]]
Front-end alignment, wheel balance and
rotation............................... NA NA 9.78 9.78
Shock absorber replacement.............. 9.13 8.25 7.04 8.14
Brake adjustment........................ 6.83 5.13 3.89 5.28
Gas tank repair, replacement............ 1.18 1.60 2.52 1.77
Repair tires and other repair work...... 33.15 33.63 27.94 31.57
Vehicle air conditioning repair......... NA NA 14.87 14.87
Exhaust system repair................... 18.36 18.29 20.56 19.07
Electrical system repair................ 26.00 28.19 31.39 28.53
Motor repair, replacement............... 79.50 73.60 69.19 74.10
Auto repair service policy.............. 5.18 6.60 5.17 5.65
Vehicle insurance......................... 619.68 638.83 698.00 652.17
Vehicle rental, leases, licenses, other
charges.................................. 234.08 280.31 351.79 288.73
Leased and rented vehicles.............. 95.89 125.45 196.83 139.39
Rented vehicles....................... 33.77 32.93 39.82 35.51
Auto rental......................... 12.42 8.36 6.03 8.94
Auto rental, out-of-town trips...... 15.41 16.16 26.09 19.22
Truck rental........................ 2.10 2.71 1.68 2.16
Truck rental, out-of-town trips..... 2.49 5.20 4.61 4.10
Motorcycle rental................... NA NA NA NA
Aircraft rental..................... 0.27 0.24 0.16 0.22
Motorcycle rental, out-of-town trips 0.50 0.07 0.09 0.22
Aircraft rental, out-of-town trips.. 0.58 0.20 1.16 0.65
Leased vehicles....................... 62.11 92.52 157.01 103.88
Car lease payments.................. 47.74 69.08 104.24 73.69
Cash downpayment (car lease)........ 2.12 8.22 9.84 6.73
Termination fee (car lease)......... 0.16 0.14 0.44 0.25
Truck lease payments................ 11.01 12.47 38.15 20.54
Cash downpayment (truck lease)...... 1.09 1.52 4.30 2.30
Termination fee (truck lease)....... NA 1.08 0.03 0.56
State and local registration............ 75.17 87.09 82.74 81.67
Driver's license........................ 7.27 7.41 7.34 7.34
Vehicle inspection...................... 8.31 9.03 8.78 8.71
Parking fees............................ 23.86 23.01 27.47 24.78
Parking fees (old).................... 1.34 0.00 NA 0.67
Parking fees in home city, excluding
residence............................ 19.97 20.52 24.17 21.55
Parking fees, out-of-town trips....... 2.54 2.49 3.30 2.78
Tolls................................... 8.71 10.98 10.47 10.05
Tolls on out-of-town trips.............. 4.51 4.18 4.69 4.46
Towing charges.......................... 4.89 5.02 5.37 5.09
Automobile service clubs................ 5.48 8.14 8.10 7.24
Public transportation....................... 307.60 286.82 393.48 329.30
Airline fares............................. 183.39 173.89 253.06 203.45
Intercity bus fares....................... 7.84 10.90 11.57 10.10
Intracity mass transit fares.............. 54.01 48.57 49.28 50.62
Local trans. on out-of-town trips......... 3.34 8.74 10.19 7.42
Taxi fares on trips....................... 17.17 5.14 5.99 9.43
Taxi fares................................ 6.78 6.46 8.23 7.16
Intercity train fares..................... 14.66 17.38 17.13 16.39
Ship fares................................ 19.63 14.54 36.91 23.69
School bus................................ 0.77 1.21 1.12 1.03
Health care................................... 1,563.01 1,653.66 1,768.03 1,661.57
Health insurance............................ 652.12 727.65 818.43 732.73
Commercial health insurance............... 213.85 232.16 251.06 232.36
Blue Cross, Blue Shield................... 148.51 173.35 159.34 160.40
Health maintenance plans (HMO's).......... 95.76 90.57 127.97 104.77
Medicare payments......................... 101.70 111.33 157.72 123.58
Commercial medicare supplements........... 92.29 120.24 122.35 111.63
Medical services............................ 561.20 546.03 567.28 558.17
Physician's services...................... 179.39 170.75 159.89 170.01
Dental services........................... 179.38 174.32 194.50 182.73
Eyecare services.......................... 25.60 29.20 29.81 28.20
Service by professionals other than
physician................................ 29.83 32.66 32.95 31.67
Lab tests, x-rays......................... 25.91 31.35 25.73 27.66
Hospital room............................. 36.47 37.42 44.70 39.53
Hospital service other than room.......... 53.30 44.63 54.60 50.84
Medical care in retirement community...... NA NA NA NA
Care in convalescent or nursing home...... 21.05 13.48 13.21 15.91
Repair of medical equipment............... NA NA NA NA
Other medical care services............... 8.07 12.24 11.88 6.77
[[Page 14217]]
Drugs....................................... 258.20 284.99 294.24 279.14
Nonprescription drugs..................... 73.86 80.16 84.17 79.40
Prescription drugs........................ 184.34 204.83 210.08 199.75
Medical supplies............................ 91.49 94.98 88.07 91.51
Eyeglasses and contact lenses............. 59.02 57.35 54.20 56.86
Hearing aids.............................. 3.50 7.13 0.94 3.86
Topicals and dressings.................... 21.63 24.32 24.55 23.50
Medical equipment for general use......... 2.32 2.25 2.41 2.33
Supportive and convalescent medical
equipment................................ 3.48 2.85 3.82 3.38
Rental of medical equipment............... 0.35 0.35 0.72 0.47
Rental of supportive, convalescent medical
equipment................................ 1.19 0.74 1.43 1.12
Entertainment................................. 1,523.49 1,525.52 1,619.28 1,556.10
Fees and admissions......................... 384.49 375.11 451.13 403.58
Recreation expenses, out-of-town trips.... 16.61 15.32 22.00 17.98
Social, recreation, civic club membership. 84.15 85.24 87.17 77.42
Fees for participant sports............... 69.06 61.15 73.87 68.03
Participant sports, out-of-town trips..... 20.12 21.17 27.40 22.90
Movie, theater, opera, ballet............. 66.54 64.92 78.89 70.12
Movie, other admissions, out-of-town trips 19.72 27.20 37.79 28.24
Admission to sporting events.............. 20.69 22.94 32.52 25.38
Admission to sports events, out-of-town
trips.................................... 17.42 9.08 12.59 13.03
Fees for recreational lessons............. 53.57 52.76 56.90 54.41
Other entertainment services, out-of-town
trips.................................... 16.61 15.32 22.00 17.98
Television, radios, sound equipment......... 476.38 493.86 545.23 505.16
Televisions............................... 328.75 331.31 376.08 345.38
Community antenna or cable tv........... 180.20 188.40 209.78 192.79
Black and white tv...................... 1.81 3.06 2.23 2.37
Color tv - console...................... 18.13 21.37 25.51 21.67
Color tv - portable, table model........ 44.32 41.51 54.63 46.82
VCR's and video disc players............ 40.40 31.41 32.98 34.93
Video cassettes, tapes, and discs....... 17.60 18.88 22.55 19.68
Video game hardware and software........ 15.04 16.25 19.24 16.84
Repair of tv, radio, and sound equipment 10.23 9.60 8.79 9.54
Rental of televisions................... 1.03 0.81 0.36 0.73
Radios, sound equipment................... 147.62 162.55 169.15 159.77
Radios.................................. 10.24 10.71 9.05 10.00
Phonographs............................. 0.60 0.87 NA 0.74
Tape recorders and players.............. 5.75 5.32 5.86 5.64
Sound components and component systems.. 30.53 35.56 31.51 32.53
Miscellaneous sound equipment........... 0.34 1.68 1.51 1.18
Sound equipment accessories............. 3.22 4.28 4.83 4.11
Compact disc, tape, record and video
mail order clubs....................... 8.04 8.97 13.11 10.04
Records, CDs, audio tapes, needles...... 29.54 31.01 37.80 32.78
Rental of VCR, radio, and sound
equipment.............................. 0.70 0.79 0.35 0.61
Musical instruments and accessories..... 16.03 20.45 17.62 18.03
Rental and repair of musical instruments 2.42 2.11 2.06 2.20
Rental of video cassettes, tapes, films,
and discs.............................. 40.22 40.79 45.45 42.15
Pets, toys, and playground equipment........ 286.11 281.46 305.98 291.18
Pets...................................... 168.99 167.12 177.55 171.22
Pet food................................ 85.02 84.94 82.75 84.24
Pet purchase, supplies, medicine........ 23.73 24.72 29.36 25.94
Pet services............................ 16.52 13.87 16.52 15.64
Vet services............................ 43.72 43.58 48.92 45.41
Toys, games, hobbies, and tricycles....... 112.46 112.38 125.48 116.77
Playground equipment...................... 4.66 1.96 2.95 3.19
Other entertainment supplies, equipment, and
services................................... 376.51 375.10 316.93 356.18
Unmotored recreational vehicles........... 14.05 33.20 29.18 25.48
Boat without motor and boat trailers.... 3.85 14.72 5.16 7.91
Trailer and other attachable campers.... 10.20 18.48 24.02 17.57
Motorized recreational vehicles........... 154.19 142.45 81.72 126.12
Motorized camper coaches and other
vehicles............................... 75.13 77.70 43.13 76.42
Purchase of boat with motor............. 79.05 64.75 38.58 60.79
Rental of recreational vehicles........... 3.71 1.90 2.42 2.68
Rental noncamper trailer................ 0.03 0.05 0.13 0.07
Boat and trailer rental, out-of-town
trips.................................. 2.13 0.47 0.74 1.11
Rental of campers, etc. on out-of-town
trips (old)............................ NA NA NA NA
Rental of campers on out-of-town trips.. 0.17 0.54 0.39 0.37
Rental of other vehicles on out-of-town
trips.................................. 1.09 0.40 0.66 0.72
Rental of boat.......................... 0.02 0.05 0.10 0.06
[[Page 14218]]
Rental of campers, other r.v.'s......... 0.27 0.39 0.40 0.33
Outboard motors........................... 1.91 2.17 2.05 2.04
Docking and landing fees.................. 4.50 5.77 5.05 5.11
Sports, recreation and exercise equipment. 111.11 102.67 115.10 109.63
Athletic gear, game tables, and exercise
equipment.............................. 45.33 45.98 54.37 48.56
Bicycles................................ 19.23 16.46 14.10 16.60
Camping equipment....................... 4.50 3.77 3.61 3.96
Hunting and fishing equipment........... 20.54 16.92 20.58 19.35
Winter sports equipment................. 5.30 3.19 4.99 4.49
Water and miscellaneous sport equipment. 14.50 14.68 15.51 14.59
Rental and repair of misc. sports
equipment.............................. 1.70 1.68 1.95 1.78
Photographic equipment and supplies....... 81.69 81.66 74.17 79.17
Film.................................... 21.01 20.32 20.48 20.60
Other photographic supplies............. 1.43 0.17 0.31 0.64
Film processing......................... 28.58 27.09 28.34 28.00
Repair and rental of photographic
equipment.............................. 0.55 0.39 0.33 0.42
Photographic equipment.................. 14.65 13.47 12.63 13.58
Photographer fees....................... 15.47 20.23 12.09 15.93
Fireworks................................. 1.08 0.63 0.76 0.82
Souvenirs................................. 0.45 1.21 0.49 0.72
Visual goods.............................. 1.09 0.57 1.49 1.05
Pinball, electronic video games........... 2.72 2.88 4.50 3.37
Personal care products and services........... 418.96 408.21 414.76 413.98
Personal care products...................... 228.19 223.41 235.24 228.95
Hair care products........................ 45.03 42.44 49.23 45.57
Nonelectric articles for the hair......... 6.41 5.35 7.26 6.34
Wigs and hairpieces....................... 1.77 1.23 0.89 1.30
Oral hygiene products, articles........... 27.93 28.07 25.52 27.17
Shaving needs............................. 10.65 9.46 12.64 10.92
Cosmetics, perfume, bath preparation...... 98.28 103.29 106.82 102.80
Deodorants, feminine hygiene, misc.
personal care............................ 32.28 28.78 28.40 29.82
Electric personal care appliances......... 5.85 4.80 4.46 5.04
Personal care services...................... 190.77 184.80 179.53 185.03
Personal care service for females......... 103.69 98.60 89.46 97.25
Personal care service for males........... 86.99 86.08 89.94 87.67
Repair of personal care appliances........ 0.09 0.12 0.12 0.11
Reading....................................... 168.07 165.57 171.39 168.34
Newspapers.................................. 70.41 70.60 70.94 70.51
Magazines................................... 39.74 38.78 39.53 39.26
Newsletters................................. 0.27 0.67 0.15 0.36
Books thru book clubs....................... 12.22 10.56 11.44 11.41
Books not thru book clubs................... 40.22 41.38 47.99 43.20
Encyclopedia and other sets of reference
books...................................... 5.21 3.58 1.33 3.37
Education..................................... 433.88 423.79 469.39 442.35
College tuition............................. 230.54 237.86 275.33 247.91
Elementary and high school tuition.......... 65.77 69.99 65.45 67.07
Other schools tuition....................... 39.08 16.39 15.34 23.60
Other school expenses including rentals..... 17.66 18.40 19.50 18.52
School books, supplies, equipment for
college.................................... 37.22 36.94 39.14 37.77
School books, supplies, etc. for elementary
high school................................ 6.41 6.89 9.71 7.67
School books, supplies, etc. for day care,
nursery, other............................. 3.11 3.64 3.49 3.41
School supplies, etc. - unspecified......... 34.10 33.67 41.43 36.40
Tobacco products and smoking supplies......... 277.79 278.59 261.81 272.73
Cigarettes.................................. 255.97 256.67 238.23 250.29
Other tobacco products...................... 18.68 19.51 21.96 20.05
Smoking accessories......................... 3.14 2.41 1.62 2.39
Miscellaneous................................. 877.79 794.63 810.79 827.74
Miscellaneous fees, pari-mutuel losses...... 48.28 60.93 50.63 53.28
Legal fees.................................. 80.65 88.62 119.22 96.16
Funeral expenses............................ 54.07 51.73 91.97 65.92
Safe deposit box rental..................... 6.18 5.88 5.79 5.95
Checking accounts, other bank service
charges.................................... 25.63 26.45 27.69 26.59
Cemetery lots, vaults, maintenance fees..... 15.42 16.64 19.45 17.17
Accounting fees............................. 46.16 47.58 44.90 46.21
Miscellaneous personal services............. 32.25 41.90 27.76 33.97
Finance charges excluding mortgage and
vehicle.................................... 253.58 227.00 228.84 236.47
Occupational expenses....................... 99.47 109.07 94.19 100.91
Expenses for other properties............... 207.48 110.86 94.77 137.70
Interest paid, home equity line of credit
(other property)........................... 1.77 0.80 0.50 1.02
[[Page 14219]]
Credit card memberships..................... 6.86 7.17 5.08 6.37
Cash contributions............................ 1,040.14 1,020.99 1,066.81 1,042.65
Cash contributions to non-CU memb., incl.
child sup., etc............................ 277.71 240.72 292.68 270.37
Gifts of cash, stocks and bonds to non-CU
members.................................... 219.98 249.31 228.78 232.69
Contributions to charity.................... 97.36 105.65 102.81 101.94
Contributions to church..................... 407.43 378.37 404.30 396.70
Contributions to educational organizations.. 21.71 31.50 22.66 25.29
Contributions to political organizations.... 7.64 7.22 8.33 7.73
Other contributions......................... 8.31 8.21 7.25 7.92
Personal insurance and pensions............... 3,141.56 3,083.40 3,404.08 3,209.68
Life and other personal insurance........... 353.85 354.24 413.43 373.84
Life, endowment, annuity, other personal
insurance................................ 340.55 342.74 395.89 359.73
Other nonhealth insurance................. 13.30 11.50 17.54 14.11
Pensions and Social Security................ 2,787.71 2,729.16 2,990.65 2,835.84
Deductions for government retirement...... 80.17 77.00 84.07 80.41
Deductions for railroad retirement........ 4.55 3.03 5.38 4.32
Deductions for private pensions........... 268.34 264.82 324.08 285.75
Non-payroll deposit to retirement plans... 334.61 337.62 331.09 334.44
Deductions for Social Security............ 2,100.03 2,046.70 2,246.03 2,130.92
----------------------------------------------------------------------------------------------------------------
*Data might not be statistically significant.
Source: Bureau of Labor Statistics
Appendix 4--Consumer Expenditure Surveys
[Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
$10,000 to $15,000 to $20,000 to $30,000 to $40,000 to $50,000 and
$14,999 $19,999 $29,999 $39,999 $49,999 over
----------------------------------------------------------------------------------------------------------------
Average income before taxes:
1991........................ $12,340.00 $17,301.00 $24,816.00 $34,402.00 $44,548.00 $79,902.00
1992........................ 12,437.00 17,420.00 24,560.00 34,439.00 44,442.00 81,602.00
1994........................ 12,340.00 17,229.00 24,721.00 34,402.00 44,388.00 84,162.24
Average............... 12,372.33 17,316.67 24,699.00 34,414.33 44,459.33 81,888.75
Goods and services:
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 20,967.26
1994........................ 6,989.07 8,346.77 10,014.51 12,274.85 14,404.18 21,193.80
Average............... 6,995.78 8,514.88 9,977.06 12,477.12 14,983.02 21,253.22
Food at home:
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
1994........................ 2,219.92 2,437.04 2,597.85 2,833.99 3,175.54 3,797.84
Average............... 2,182.78 2,429.71 2,557.94 2,859.48 3,254.49 3,812.79
Food away from home:
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
1994........................ 822.30 1,089.35 1,334.07 1,820.82 2,211.78 3,383.08
Average............... 869.80 1,124.95 1,352.22 1,798.79 2,294.03 3,209.49
Alcohol:
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
1994........................ 135.15 215.61 287.46 347.42 327.07 495.08
Average............... 158.81 229.20 294.11 350.19 368.81 549.68
Domestic Service:
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
1994........................ 85.17 111.05 203.94 235.13 310.43 489.65
Average............... 135.72 116.72 174.52 229.11 327.63 506.13
Furnishings & household
operations:
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
1994........................ 1,128.53 1,178.62 1,521.80 1,938.32 2,574.21 4,075.65
Average............... 1,036.27 1,224.88 1,525.34 1,991.82 2,454.34 3,883.98
Clothing:
1991........................ 1,093.80 1,178.28 1,325.86 1,951.82 2,186.30 3,520.50
[[Page 14220]]
1992........................ 889.14 1,093.68 1,563.66 1,603.41 2,267.24 3,394.31
1994........................ 790.15 1,079.54 1,464.58 1,672.99 1,890.64 3,188.54
Average............... 924.36 1,117.17 1,451.37 1,742.74 2,114.73 3,367.78
Recreation:
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
1994........................ 828.97 1,060.46 1,342.40 1,741.22 2,128.85 3,451.76
Average............... 769.38 1,062.27 1,305.21 1,792.12 2,248.56 3,437.36
Personal Care:
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
1994........................ 256.43 286.31 348.68 454.00 491.54 693.28
Average............... 258.16 310.59 363.32 436.65 515.70 706.18
Tobacco:
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
1994........................ 222.20 250.93 280.57 340.50 295.12 278.18
Average............... 240.86 281.73 289.65 328.51 324.01 290.53
Professional Services:
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
1994........................ 500.25 637.86 633.16 890.46 999.00 1,340.74
Average............... 419.65 617.67 663.38 947.70 1,080.72 1,489.30
Housing:
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
1994........................ 5,231.62 5,948.47 6,764.14 7,878.29 9,000.79 12,785.95
Average............... 4,998.73 5,611.12 6,430.02 7,548.69 8,853.73 12,586.99
Transportation:
1991........................ 3,108.18 3,296.23 4,641.29 5,764.38 7,119.40 9,201.49
1992........................ 2,830.29 3,352.10 4,803.28 5,744.17 6,992.50 9,305.77
1994........................ 2,757.80 4,313.27 5,598.36 6,010.98 8,886.15 10,415.29
Average............... 2,898.76 3,653.87 5,014.31 5,839.84 7,666.02 9,640.85
Private transportation:
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
1994........................ 2,560.05 4,021.24 5,343.02 5,696.30 8,493.93 9,583.58
Average............... 2,738.91 3,437.36 4,782.68 5,558.35 7,313.84 8,927.64
Air fares & other
transportation expenses:
1991........................ 155.82 177.34 206.58 290.42 310.28 666.00
1992........................ 125.98 180.14 232.97 239.37 354.03 641.93
1994........................ 197.75 292.03 255.34 314.68 392.22 831.71
Average............... 159.85 216.50 231.63 281.49 352.18 713.21
Miscellaneous:
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
1994........................ 2,567.73 3,238.07 4,336.49 6,018.55 7,526.50 13,270.22
Average............... 2,643.04 3,227.99 4,334.62 5,863.64 7,455.91 12,950.16
Health care:
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
1994........................ 1,484.32 1,666.38 1,578.60 1,761.97 2,007.63 2,447.22
Average............... 1,414.49 1,580.48 1,595.19 1,695.60 1,884.04 2,282.44
Cash contributions:
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
1994........................ 396.39 455.67 771.77 1,049.71 1,005.01 2,428.04
Average............... 556.94 539.73 729.31 915.73 1,138.44 2,453.91
Personal insurance:
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
1994........................ 687.02 1,116.02 1,986.12 3,206.87 4,513.86 8,394.96
Average............... 671.61 1,107.78 2,010.12 3,252.31 4,433.43 8,213.81
Consumer units:
1991........................ 9,252 7,821 13,467 11,079 8,019 17,833
[[Page 14221]]
1992........................ 10,053 8,294 14,616 10,448 7,967 18,181
1994........................ 9,780 7,851 13,975 10,922 8,280 20,609
Percentage of Owners with
Mortgage:
1991........................ 16% 23% 32% 46% 58% 73%
1992........................ 15% 23% 31% 44% 58% 71%
1994........................ 14% 17% 31% 44% 53% 68%
Percentage of Renters:
1991........................ 48% 46% 43% 32% 25% 13%
1992........................ 50% 45% 43% 33% 25% 14%
1994........................ 49% 47% 42% 34% 25% 15%
Owners as Percentage of Renters
Plus Owners with Mortgages:
1991........................ 25.00% 33.33% 42.67% 58.97% 69.88% 84.88%
1992........................ 23.08% 33.82% 41.89% 57.14% 69.88% 83.53%
1994........................ 22.22% 26.56% 42.47% 56.41% 67.95% 81.93%
Average............... 23.43% 31.24% 42.34% 57.51% 69.24% 83.45%
Renters as Percentage of Renters
Plus Owners with Mortgages:
1991........................ 75.00% 66.67% 57.33% 41.03% 30.12% 15.12%
1992........................ 76.92% 66.18% 58.11% 42.86% 30.12% 16.47%
1994........................ 77.78% 73.44% 57.53% 43.59% 32.05% 18.07%
76.57% 68.76% 57.66% 42.49% 30.76% 16.55%
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.
Source: Bureau of Labor Statistics
Appendix 5:--Item Descriptions
----------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------
Food at Home:
Ground Beef............................. Price per lb. of fresh not frozen average size package of regular
ground beef with no more than 25% fat content. Do not price lean,
ground chuck, ground round, frozen beef et cetera. Do not price
family-pack, value-pack, super-saver pack, or equivalent.
Round Steak, Boneless................... Price per lb. of an average size package. Do not price family-
pack, value-pack, super-saver pack or equivalent. Do not price
frozen steak. Order of choice: Boneless beef round, Boneless top
round, Boneless bottom round.
Round Roast, Boneless................... Price per lb. of an average size package. Do not price family-
pack, value-pack, super-saver pack or equivalent. Do not price
frozen roast. Order of choice: Boneless rolled rump, Sirloin tip
rolled, Boneless top round.
Pork Chops, Bone In..................... Price per lb. of an average size package. Do not price family-
pack, value-pack, super-saver pack or equivalent. Do not price
frozen chops. Order of choice: Center cut, rib chop; Loin chops
with bone.
Bacon, Sliced........................... 16 OZ (1LB) package, regular sliced bacon. Do not price Canadian
bacon, extra thick sliced, or extra lean. Order of choice: Oscar
Mayer, Hormel, Armour, Dubuque.
Chicken, Whole.......................... Price per lb. of fresh whole fryer chicken. Do not price family-
pack, value-pack, super-saver pack or equivalent. Do not price
frozen chicken or roasters.
Fish Filet, Frozen...................... Price per lb. of frozen ocean whitefish filet. Do not price
breaded filets. Do not price family-pack, value-pack, super-saver
pack or equivalent. Order of choice: Cod, Haddock, Snapper, Mahi-
Mahi.
Tuna, Canned............................ Chunk light, packed in water (Not fancy style). Order of choice:
Star Kist, Chicken of the Sea, Bumble Bee.
Lunch Meat.............................. 8 OZ pkg., Oscar Mayer. Order of choice: Bologna, Cotto Salami.
Ham, Canned............................. 3 LB tin of canned ham. Do not price Hormel's supreme cut ham or
equivalent. Order of choice: Hormel, Dubuque, Bar-S.
Frankfurter............................. All beef 16 OZ (1LB) package. Do not price chicken, turkey, extra
lean, or fat free frankfurters. Order of choice: Oscar Mayer,
Hormel, Dubuque, Ballpark.
Eggs, Large............................. 1 dozen. Order of choice: local brand, regional brand.
Fish, Fresh............................. Price per lb. of salmon steak. Do not price special prepared
skinless or boneless varieties. Do not price family-pack, value-
pack, super-save pack, or equivalent.
Milk, 2%................................ Gallon (128 FL OZ) store brand, 2%.
Cheddar Cheese.......................... 10 OZ package mild cheddar cheese. Order of choice: Kraft Cracker
Barrel, Tillamook.
Ice Cream............................... 1/2 gallon (2 QT) of store brand vanilla ice cream. Do not price
ice milk or frozen yogurt.
Bread, White............................ 16 OZ loaf of sliced white bread. Do not price store brand. Order
of choice: Wonder, Sunbeam, Holsum, Regional brand.
Spaghetti, Dry.......................... 16 OZ box or bag. Order of choice: Creamettes, American Beauty,
Mission, Golden Grain, San Georgio.
Cereal.................................. 20 OZ box of cereal. Do not price significantly larger or smaller
size. Order of choice: Post Raisin Bran, Kellogg's Raisin Bran,
Kellogg's Frosted Mini-Wheats.
Cookies................................. 18 - 20 OZ package. Order of choice: Nabisco Oreo Cookies, Keebler
Chips Deluxe, Nabisco Chips Ahoy.
Frozen Waffles.......................... Package of frozen waffles. Order of choice: Kellogg's Eggo.
[[Page 14222]]
Hamburger Buns.......................... Package of 8 sliced enriched white hamburger buns. Do not price
store brand, whole wheat or sesame seed buns. Order of choice:
Wonder, Sunbeam, Regional brand.
Cake.................................... Package of two cellophane wrapped, cream-filled sponge cake
deserts. Do not price fresh baked desserts, boxed, or family
packs. Order of choice: Hostess Twinkie, Krispy Kreme, Hostess
Cupcake, Dolly Madison Zinger.
Apples, Fresh........................... Price per LB of apples, loose (not in bag). If only bagged apples
are available, report the weight of the bag. Order of choice: Red
delicious, Golden delicious.
Bananas, Fresh.......................... Price per lb. of bananas. If sold by bunch report price and weight
of bunch.
Tomatoes, Fresh......................... Price per lb. of medium-size tomatoes. Do not price organic,
'hydro', plum, or extra fancy tomatoes.
Potatoes................................ 10 LB bag of Russet baking potatoes. Do not price loose potatoes.
If 10 lb bag is not available, substitute nearest size bag and
note price and size. Do not price, white, red or new potatoes.
Frozen Orange Juice..................... 12 FL OZ (makes 48 FL OZ) of frozen orange juice concentrate. Do
not price calcium fortified, pulp free, country style etc. Order
of choice: Minute Maid, Sunkist, Whole Sun.
Fruit Juice............................. 48 ounce bottle of cranberry juice. Do not price frozen or boxed
drink or drink in significantly different size bottle. Order of
choice: Ocean Spray Cranberry Cocktail, Ocean Spray Cranapple.
Peaches, Canned......................... 16 OZ can sliced yellow cling peaches. Order of choice: Libby's,
Del Monte.
Peas, Frozen............................ 16 OZ package of frozen peas. Do not price peas with sauce or
Green Giant Select. Order of choice: Green Giant, Birdseye,
Hanover.
Green Beans, Canned..................... 14.5 OZ can of cut green beans. Do not price French style or
canned vegetable mixtures. Order of choice: Del Monte, Green
Giant.
Oranges, Fresh.......................... Price per lb. of loose NAVEL oranges. If only bagged oranges are
available, also report the weight of the bag. Order of choice:
California navel, Florida navel.
Lettuce, Fresh.......................... Price per lb. of iceberg lettuce. If lettuce is sold by the head,
report the price and weight of an average head. Find equivalent-
size heads at each store.
Celery, Fresh........................... Price per lb. for celery. Do not price celery hearts or Pascal
type celery. If celery is only sold by the bunch, report the
price and the weight of an average bunch. Find equivalent size
bunches at each store.
Fruit Drink............................. 46 FL OZ can. Do not price plastic bottles, powdered mixes, or
individual serving sized drinks. Order of choice: Hawaiian Punch,
Hi-C regular.
Soft Drink.............................. 2 liter plastic bottle. Order of choice: Coca-Cola, Pepsi.
Coffee, Ground.......................... 13 OZ can ground coffee. Do not price decaffeinated or special
roasts. Order of choice: Folger's Drip, Maxwell House, Hill's
Bros.
Canned Soup............................. 1 can Campbell's soup. Do not price hearty, reduced fat or salt
free varieties. Order of choice: Vegetable, Chicken Noodle,
Vegetable Beef, Turkey Noodle, Chicken and Rice.
Snack Food.............................. 6 OZ bag or box of potato chips. Order of choice: Ruffles, Lays.
Salt.................................... 26 OZ box of iodized salt. Do not price sea-salt, kosher-style
salt etc. Order of choice: Morton, Ivory, Regional brand, Store
brand.
Ketchup................................. 28 OZ plastic squeeze bottle. Order of choice: Heinz.
Cooking Oil............................. 48 FL OZ bottle. Order of choice: Crisco, Wesson, Mazola.
Margarine............................... 4 sticks (1 LB). Order of choice: Blue Bonnet, Parkay.
Frozen Dinner........................... Swanson 11.5 OZ (326 G) frozen turkey dinner. Dinner should
include whipped potatoes, peas, and fruit compote. Do not price
Hungry Man or equivalent extra-portion sizes.
Jello Gelatin........................... 3 OZ box gelatin dessert. Order of choice: Jell-O, Royal.
Baby Food............................... 4 OZ jar strained vegetables or fruit. Order of choice: Gerber
Second Foods, Heinz.
Candy Bar............................... Regular size candy bar ranging in weight from 1.55 oz to 2.13 oz.
Do not price king-size or multi-pack candy bars. Order of choice:
Snickers, Hershey's, Mars, 3-Musketeers, Butterfinger.
Sugar, Granulated....................... 5 LB bag of granulated cane or beet sugar. Do not price superfine
or generic. Order of choice: Non-store brand, Store brand.
Bottled Water........................... 1 gallon (128 FL OZ) bottled spring water (store brand). Do not
price sparkling or distilled water.
Food Away from Home:
Breakfast............................... Two strips of bacon or 2 sausages, 2 eggs, toast, and coffee or
juice. Report percentages added for tax, tip and service charge.
Order of choice: Denny's, Bob Evans, Any equivalent restaurant.
Lunch................................... Cheeseburger platter with fries and small soft drink. Report
percentages added for tax, tip and service charge. Order of
choice: Denny's, Sizzlers, Any equivalent restaurant.
Pizza Lunch............................. 1 personal size cheese pizza (or 1 slice of cheese pizza). Include
small soft drink and gratuity. Do not price salad. Order of
choice: Pizza Hut, Any equivalent restaurant.
Dinner.................................. New York Strip, small side dish (e.g., rice or potato), side salad
or salad bar, and coffee. Meal should not include dessert. Report
percentages added for tax, tip and service charge. Order of
choice: Denny's, Sizzlers, Any equivalent restaurant.
Pizza Dinner............................ 1 12-inch diameter cheese pizza with regular crust (not thin or
extra thick) and no extra toppings. Include small drink and
gratuity. Do not price salad. Order of choice: Pizza Hut, Any
equivalent restaurant.
Fast Food Meal.......................... Big Mac or Whopper, medium french fries, and medium coke. Price a
combo meal, if a suitable one is offered. Order of choice:
MacDonalds, Burger King, Any equivalent outlet.
Ice Cream Cone.......................... Regular (1 scoop) vanilla ice cream cone. Do not price frozen
yogurt. Order of choice: Baskin-Robbins, Any equivalent outlet.
Tobacco:
Cigarettes, King Size................... 1 carton (200 cigarettes) of Winston filter kings soft pack. Do
not price generic brand.
Alcohol:
Beer At Home............................ Six-pack of Budweiser 12 OZ cans (Puerto Rico - 10 OZ cans.) Do
not price refrigerated beer unless that is all that is available.
Wine At Home............................ 1.5 L of Chablis blanc. Order of choice: Gallo, Inglenook.
Beer Away............................... Glass of Budweiser/Miller Lite beer.
Wine Away............................... Price 1 glass of house white wine.
[[Page 14223]]
Furnishings, Household Operations:
Lawn Care Service....................... Price to cut and trim a 1/4 acre lot on a weekly basis. Do not
include other yard services (e.g. fertilizing, raking, or
watering).
Housekeeping Services................... Price per hour for bi-weekly cleaning. House approximately 2,000
sq. ft. Family size four. Services include--Bathroom(s): sanitize
walls, floor, counter tops, bathtub, stool; Kitchen: sanitize
walls, counter tops, cabinets, appliances; Living and Dining
Room; dust, polish furniture, and vacuum; Bedroom; polish
furniture and vacuum. If other services are included please note.
Report the number of cleaners and estimated number of hours to
complete service.
Moving.................................. Price per hour for a within-city move, two men with enclosed van.
Include any van rental fees. Do not include any extra insurance
options or specialty packaging options. Note number of men if
other than two used.
Toilet Tissue........................... 4 roll pack. Do not price family-pack, double pack, value-pack,
super-saver size package, or equivalent. Order of choice:
Cottonelle, Northern, Charmin.
Pen..................................... 10 pack round stick medium pen. Order of choice: Bic, Papermate.
Parcel Post............................. Cost to United States Parcel of mailing a 5 lb. package to each of
the following cities: Chicago, Los Angeles, New York.
Laundry Soap............................ 100 FL OZ of liquid household laundry detergent. Do not price
detergent with bleach or whiteners. Order of choice: Tide, Cheer,
Wisk, Surf.
Plant Food.............................. 8 OZ container of indoor plant food. Order of choice: Miracle
Grow.
Bed Sheet Set........................... 1 set queen-size no-iron cotton & polyester percale sheets (180
thread count). 1 set consists of 1 fitted sheet, 1 flat sheet,
and two pillowcases. Do not price designer sheet sets. Price
sheet sets with minimum design. Order of choice: Fieldcrest, New
Concept, Dan Rivers, Colour Forum, Available brand.
Bath Towel.............................. 27x50 inch bath towel made of 100% cotton. Order of choice:
Cannon, Heir Loom, Fieldcrest, Royal Velvet.
Dining Room Table....................... Pedestal oak veneer tabletop with 4 spindled hardwood chairs.
Living Room Chair....................... Recliner.
Bedroom Set............................. Include items such as chest, nightstand, and bed frame.
Washing Machine......................... Super 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. Order
of choice: Maytag Model #LAT960, General Electric Model
#WWSR3090T, Whirlpool Model #LSC8244D.
Kitchen Range........................... 30-inch electric range with upswept cook-top, 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. Order of choice: Maytag
Model #CRE9500, General Electric Model #JBP47GV, Whirlpool Model
#RF385PXDQ.
Refrigerator............................ No-frost top-mount 20.5 to 21.5 cubic ft. refrigerator with
reversible doors, glass shelves, moisture controlled crisper
drawers, and meat drawer. Door contains 1 or more covered
compartments and adjustable bins. Freezer has adjustable door
bins and ice trays. Do not price models with ice makers, chilled
water dispensers, or other extra features. Order of choice:
Maytag Model #RTD2100DAE, General Electric Model #TBX21ZAX,
Whirlpool Model #ET21DKXD.
Vacuum.................................. Upright vacuum cleaner with 6.5 to 7.5 amps, 120 volts, six above-
the-floor attachments, height adjustment, regular bag and 20 to
25 foot cord. Order of choice: Eureka Model #9334AT, Hoover Model
#U4263-930, Hoover Model #U4293-930, Eureka Model #9205.
Two-slice Toaster....................... Two-slice toaster, chrome body, wide slot with pastry defrost
setting. Order of choice: Proctor Silex Model #T620B, Proctor
Silex Model #22100.
Baking Dish............................. 8 inch square glass baking dish (any color). Do not include cover
or lid. Order of choice: Pyrex, Anchor Hocking.
China................................... Corelle 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.
Order of choice: Corelle Impressions, New Corelle.
Electric Drill.......................... Reversible, variable speed, 7 to 9 volt, cordless electric drill
with 3 hour recharge. Order of choice: Black and Decker Model
#9052, Skil Model #2236.
Red Roses, Fresh Cut.................... 1 dozen long stemmed, fresh cut red roses. Do not price boxed or
arranged
Hammer.................................. Curved claw hammer with a 16 OZ head, wood handle, high carbon
steel head, black finish. Overall length 13 1/4''. Please price
an inexpensive hammer. Do not price hammers with non-wooden
handles or hammers typically used by carpenter. Order of choice:
Stanley Model #51616, Vaughan Model #F16.
Area Rug................................ 8'x11' oval, braided rug
Snow Blower............................. Four cycle, 8 to 9 HP two-stage gas snow thrower. Order of choice:
Honda Model #H5828KITA, Simplicity Model #970M, Toro Model
#38540.
Lawn Trimmer............................ Gas powered, 30 or 31 CC two-cycle engine single line lawn trimmer
with a 17 or 18 inch wide cut.
Window Shade............................ Light-filtering, unfringed 37.5 width window shade.
Clothing:
Man's Jeans............................. Regular loose fit inexpensive, non-designer jeans. Do not price
bleached, stone-washed or designer jeans. Order of choice:
Wranglers, Lee's regular fit.
Man's Dress Shirt....................... 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 inch
collar, 34 inch sleeve. Order of choice: Arrow, Van Heusen, Moose
Creek, Pour Homme.
Boy's Jeans............................. Regular fit (size 9-14), inexpensive jeans. Do not price bleached,
stone-washed or designer jeans. Wranglers, Lee's, Rustlers.
Boy's T-shirt........................... Screen-printed t-shirt commonly worn by boys ages 8 thru 10 (size
7-14). Pullover with crew neck, short sleeves and polyester/
cotton blend. Order of choice: Ocean Pacific, Team Shirts (NFL),
Miller, Hanes.
[[Page 14224]]
Man's Undershirt........................ White 100% cotton undershirts with short sleeves, set of three. If
not in set of three, report the number of undershirts in package.
Order of choice: Fruit of the Loom, Hanes.
Man's Insulated Underwear Top........... White light weight, crew neck thermal underwear top of cotton and
polyester. Order of choice: J.E. Morgan, Hanes.
Man's Suit.............................. Double-breasted suit in worsted wool. Ventless back.
Man's Jacket............................ Denim jacket. Relaxed fit and machine washable.
Man's Parka............................. Park with polyester & cotton shell. Lower body nylon lining.
Detachable hood, multiple pockets and drawstring at waist.
Woman's Dress........................... Sleeved shirtwaist dress appropriate for office attire. Exclude
any unusual ornamentation. Dress should be unlined and 100% rayon
or 100% polyester. Order of choice: Stewart Allen, Lesley Fay,
California Design, Perception, Store label.
Woman's Blouse.......................... 100% polyester, white, long sleeve, button front blouse with
minimum trim. Order of choice: Wrapper, Girls Girls Girls,
Christy Jill, Jacelyn Ferrare, Bill Blass.
Woman's Slacks.......................... Misses unlined slacks appropriate for office attire. The slacks
should be a blend of cotton and polyester without a belt. Order
of choice: Donnkenny, Alfred Dunner, Fundamental Things,
Counterpart, Jump.
Woman's Accessory....................... Split-grain, cowhide leather, checkbook clutch wallet. Do not
price eel skin, snake skin or other varieties. Order of choice:
Michael Stevens, Mundi, Cadillac, Amity, Buxton.
Girl's Dress............................ Cotton blend long-sleeve dress appropriate for school. Exclude
extra ornamentation. For girls ages 8 through 10 (size 7-14).
Order of choice: Carter's, JoLene, Bendina, Jazz Kids, Byer.
Girl's Jeans............................ Jeans, for girls ages 8 through 10 years (size 7-14). Order of
choice: Zenna, Rider, Lee, Bongo.
Girl's Knit Top......................... Knit long sleeve pullover of cotton/poly blend. For girls ages 8
thru 10 (size 7-14). Order of choice: Spumoni, Hot Shots, Lee,
New Moves, Freeze Frames.
Woman's Coat............................ 100% wool, double-breasted coat.
Woman's Jacket.......................... Hooded slicker. Zip front design lined in 100% cotton. PVC vinyl
shell.
Woman's Sweater......................... Cotton knit crewneck pullover sweater. Machine wash.
Infant's Sleeper........................ One-piece sleeping garment with legs, covering the body including
the feet. Order of choice: Gerber, Playskool, Health Tex, Carter,
Fruit of the Loom.
Disposable Diaper....................... 36 count package disposable diapers, (child 12-18 LBS). Do not
price larger size diapers. Order of choice: Pampers, Luv's,
Huggies.
Man's Shoes............................. 100% leather wing tips. Order of choice: Bostonian, Rockport,
Giorgio Brutini.
Woman's Shoes........................... Woman's pump style shoes with enclosed heel and toe, leather
uppers and the rest of man-made materials. Heel height should be
approximately two inches. Order of choice: Naturalizer, Capezio,
Calico.
Man's Boots............................. 8 inch waterproof, insulated leather boot with Cambrelle lining.
Order of choice: Timberland, Sorel, Donner.
Woman's Boots........................... Calf height boot with pile or fleece lining, urethane upper, side
zipper, broad-based one-inch heel, and non-skid traction sole.
Order of choice: Naturalizer, Timberland, Sorel.
Jewelry................................. 1 pair 6mm 14K gold ball earrings for pierced ears.
Coin Laundry............................ 1 load of laundry using a regular size, top loading commercial
washing machine. Do not include cost of drying.
Dry Clean Man's Suit.................... Dry clean a man's 2-piece suit of typical fabric.
Domestic Service:
Day-care................................ 1 month of day-care for a 3-year-old child (5 days a week, about 8
hours per day). If monthly rate is not available: 1) obtain
weekly rate and record in the comment section 2) multiply weekly
rate by 4.33 to obtain monthly rate 3) record monthly rate in the
regular price field.
Babysitter.............................. Average hourly rate for 1 child, age four years, evening, before
midnight. (Teenager in your home.) Do not price commercial baby-
sitting service. Special Instructions: If typical for your area,
you may wish to obtain quotes from friends who use teenage
babysitters.
Professional Services:
Legal Services.......................... Fee for a standard residential real estate closing. Fee should
include all paperwork and attendance at the lending institution
closing.
Accounting Services..................... Hourly rate for individual tax work (not business). Price rate for
Federal 1040 tax form service with typical itemized deductions.
Charge Card Finance Charges............. Finance charges on a major charge card through a local bank.
Assume average monthly balance is $1500. Please report the
financial charges on the first month's balance of $1500. Do Not
include principal payments or annual fees. Annual fees are
reported separately, but both charges must be obtained for the
same card. Order of choice: Mastercard, VISA.
Charge Card Annual Fee.................. Annual fee on major charge card through local bank. Note: Finance
charges are reported separately, but both charges must be
obtained for the same card. Order of choice: Mastercard, VISA.
Funeral Services........................ The charge for a direct cremation. Includes removal of remains,
local transportation to crematory, necessary body care and
minimal services of the staff. Do not include the fee for the
crematory, container or use of facilities and staff.
Personal Care:
Woman's Cut And Styled Blow Dry......... Regular service for a woman's cut and styled blow dry. Include
wash but do not include curling iron if extra.
Man's Haircut........................... Man's typical haircut. Do not include wash.
Lipstick................................ 1 tube of lipstick. Order of choice: Revlon Super Lustrous, Revlon
Moondrops, L'Oreal.
Shampoo................................. 15 ounce bottle of shampoo for normal hair. Order of choice:
Suave, VO5, White Rain.
Recreation:
Bowling................................. 1 game of open (or non-league) 10-pin bowling on Saturday night.
Exclude cost of shoe rental. If priced by the hour, report the
estimated number of games per hour. Do not price duck-pin
bowling.
[[Page 14225]]
Golf.................................... 18 holes of golf on a weekend. Do not price par 3 courses. Do not
include golf-cart rental, or special early-bird or off hours
pricing in cost. 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. Please ask if the
course is publicly-owned or privately-owned and record this
information in the comment section.
Movie Theater........................... Typical adult price for regular length, current-release (currently
advertised on television) evening film. Report weekend evening
price if different from weekday.
Health Club............................. Regular individual membership for 1 year for existing member. Do
not include any initial fees assessed only to new members or any
special offers provided only to new members. If yearly rate is
not available, price per month and note as a monthly rate.
Services must include free weights, cardiovascular equipment,
aerobic classes, and tennis or racquetball court(s). Note if pool
or other significant services are also offered.
Piano Lessons........................... Private lesson for a beginner one-half hour in length.
Downhill Skiing......................... 1 lift ticket on Saturday.
Roller Skating.......................... 1 session of open skating on Saturday night. Exclude cost of skate
rental.
Video Rental............................ Price to rent 1 video tape of recently released movie, Saturday
night (1 day or minimum rental period) rate. Non-member fee.
Video Recorder.......................... VCR with 4 video heads, double azimuth, unified TV/VCR remote, one-
year eight event timer, auto tracking, LED display, and HI-FI
stereo. Order of choice: Zenith Model #VR4205, Sony Model
#SLV740, JVC Model #HRJ620.
Compact Disc............................ Regular price for a current best-selling CD. Do not price double
CD's. Order of choice: Jagged Little Pill, Waiting to Exhale.
Compact Disc Player..................... 5 disc CD player with rotary changer system, 10 key access, 32
track programming, 8 times over sampling, and a remote. Order of
choice: Sony Model #CDPC745, Technics Model #SLPD887, JVC Model
#XLF215TN.
Color Television........................ 20 inch 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. Order of choice:
Zenith Model #SR2031, Sony Model #KV20TS32, JVC Model #C20CL6.
Basic Cable Service..................... 1 month of basic cable channel TV. Report the number of channels
offered. If basic service provides 12 or fewer channels, price
the next level of service. Do not include hookup charges or
premium (e.g., movie) channels. Convert monthly cost to price per
channel per month.
Veterinary Services..................... Typical fee for general office visit for a small dog.
Pet Food................................ 5.5 OZ can of cat food. Order of choice: Purina, 9 Lives, Whiska,
Friskies.
Film Developing......................... Price to process and print 35 millimeter, 24 exposure, 100 ASA
color. Regular size (3 X 5) single prints only.
Camera Film............................. 35 millimeter, 24 exposure, 100 ASA Kodak camera film in single
pack.
Tennis Balls............................ Can of three heavy-duty felt, yellow, tennis balls. Order of
choice: Wilson, Penn.
Board Game.............................. Board game. Do not price deluxe edition. Order of choice:
Monopoly, Sorry, Scrabble.
All-terrain Vehicle..................... All terrain sports vehicle with four-wheel drive and a 250 to 300
CC (approximate sizes) engine. Do not price industrial ATV's
(similar to sports model but heavier duty) or ``Arctic Cat''
models. Order of choice: Honda Model #TRX399FW, Suzuki Model
#250LT4WDT, Polaris Model #W968040, Kawasaki Model #KLF300C.
Personal Water Craft.................... Sit-down jet ski. Order of choice: SkiDoo, Arti Cat Tiger Shark
Montego, Polaris SL700 Model #B964066, Kawasaki 750SS Model
#JH750E, Seadoo Model #SPX8777.
Motor Scooter........................... 50 CC scooter. 1 seater with electric start, oil injection 2-
stroke engine. Order of choice: Yamaha JOG Model #CY50, Honda
Elite Model #SA50.
Book.................................... Store price (not publisher's price unless that is the store price)
for top selling paperback book. Order of choice: Waiting to
Exhale, Eyes of a Child, Hidden Jewel.
Magazine................................ Store price (not publisher's price unless that is the store price)
for a single copy. Order of choice: Time, Newsweek, U.S. News &
World Report.
Regional Newspaper...................... 1 year of home delivery of the largest selling daily regional
paper (including Sunday edition) distributed in the area. Do not
include tip. In Alaska, price the major Anchorage newspaper. In
Hawaii, price the major Honolulu newspaper.
Miscellaneous Expense Component:
Non-aspirin Pain Reliever............... 60 tablets of extra-strength Tylenol. Do not price caplets or
gelcaps.
Tetracycline Prescription............... 40 capsules of tetracycline, 250 milligram strength.
Contact Lenses.......................... 1 year supply of soft 2 week replacement contact lenses. Order of
choice: Medalists, Sequence, AcuVue, NewVue, Precision.
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. Do not price specialist or
oral surgeon.
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 semi-private room. Include food and routine
care. Exclude cost of operating room, surgery, medicine, lab
fees, etc. Do not price speciality rooms, e.g., those in cardiac
care units.
Housing-Related Component:
Electric Bill........................... Average monthly consumption in KWH and dollars; customer service
charge; cost for first xxx KWH; cost for over first xxx KWH.
Gas/Oil Bill............................ Average monthly consumption in cu. ft./gallons and dollars;
customer service charge; cost for first cu. ft./gallons; Cost for
over first xxx cu. ft/gallons.
Water Bill.............................. Average monthly consumption in gallons and dollars; customer
service charge; cost for first xxx gallons; cost for over xxx
gallons.
[[Page 14226]]
Real Estate Taxes....................... 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. Report when properties were last assessed and what
base year tax rate should be applied to the assessment. Report
when rates are certified and when bills are mailed.
Bathroom Caulking....................... 5.5 OZ plastic tube of latex white bathroom caulking. Do not price
caulking gun cartridge. Order of choice: DAP Kwik Seal, Red
Devil, GE Silicone II.
Electrical Outlet....................... 2-plug 15-amp (duplex) grounded electrical outlet. This is a
standard wall outlet or plug commonly found in homes. Price
blister pack or cardboard mounted (individually packaged) only.
Do not price loose electric outlet. Order of choice: GE,
Levitron, Eagle.
Electrical Work......................... Labor 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). Report price per hour, estimated
time for job, & travel. Exclude cost of materials.
Fire Extinguisher....................... Fire extinguisher with a UL rating of 10 BC, 2.5 lb. size. Order
of choice: Kidde, First Alert.
Interior Painting....................... Labor to paint 12' x 14' living room with 8' ceilings. Walls are
plaster or drywall in good repair. Two standard sized sash
windows, 1 picture window, 1 standard wood door. Rooms have
simple wood baseboards and trim. Existing paint is latex, flat
white, smooth finish, about 3 yrs old. Trim paint is latex,
white, gloss enamel, about 3 yrs old. Walls and trim require no
surface preparation. Report price per hour, estimated time for
job, and travel. If flat charge, report estimated time to
complete job. Do not include materials.
Latex Interior Paint.................... 1 gallon white, interior flat latex paint. Price a national brand
with 1 coat coverage. Order of choice: Dutch Boy, Glidden, Ben
Moore, Sherwin Williams, Martin-Senior, Pittsburgh, Benjamin
Moore.
Pest Control............................ Basic pest control maintenance (1 visit to control crawling
insects, not wood eating), based on the inside of a 1,200 sq. ft.
single story home. Price follow-up maintenance only, not the
initial application.
Unclog Drain............................ Labor to unclog kitchen sink drain by mechanical means (snake,
auger, etc.). Don't include trap removal. Assume clog is in the
plumbing inside the house, not in the yard. Obtain hourly rate,
estimated time for job, and travel. Exclude cost of materials,
and extra charge for excess travel, overtime, weekend or
emergencies.
Kitchen Faucet.......................... Single control chrome-plated faucet with spray. Faucet is solid
brass and stainless steel quality construction with copper
waterways, washer less design, and triple chrome plating. Faucet
sprayer should sit in a separate holder. Do not price decorator
or ``in the deck'' models (sprayer sits in a hole in the faucet
base or ``deck''). Warrantied for as long as the home is owned.
If pricing Brand 2 (Delta), a 2-year warranty is acceptable.
Order of choice: Peerless 8500-ECP, Delta 400.
Mortgage Interest....................... Current interest rate for a 30-year loan on the average house
assuming 80 percent financing.
Homeowner Insurance..................... Report 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........................ Report price of HO-4 type coverage; assume value of contents at
$25,000 for lower and middle income, and $30,000 for upper
income.
Long Distance Call...................... 10 minute calls received on a weekday in New York, Chicago, and
Los Angeles at 8:00 p.m. (local time); direct dial from the
location being surveyed to these three cities. Include any
federal, state, local or excise tax that is applicable.
Telephone Service....................... Monthly cost for unmeasured touch tone service. Include tax. Do
not include options such as call waiting, call forwarding or fees
for equipment rental.
Homeowners and Renters:
Homeowners.............................. Selling price, sale date, age, room count (when available), square
footage, and price per square foot for selected income profile
houses. Information was collected from various sources, including
real estate professionals, appraisers, MLS data, assessors'
offices, and private sources.
Renters................................. Monthly rent for 1-bedroom and 2-bedroom apartments, and for 2 and
3-bedroom detached houses or townhouses, along with estimates of
the prevailing range of rental rates in each area (low, median,
and high). To the extent practical, obtain square footage of the
unit, total room count, whether utilities are included, and
special amenities. Obtain overall rental rate trends in the area.
Obtain data from brokers and non-brokers.
Transportation Component:
Vehicles................................ 1996 Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder.
1996 Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3
Liter 6 Cylinder.
1996 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.
Gasoline................................ Gallon of self-service unleaded regular gasoline. In Alaska, use
full-service price.
Tune-up................................. Basic tune-up for each vehicle. Include replacing spark plugs (do
not price platinum), check distributor cap, and rotor. Check and
adjust ignition timing. Adjust idle speed. Inspect air cleaner.
Do not include cost to replace PVC valve, fuel filter or air
filter. Sales tax should not be included in price.
Oil Change.............................. Oil change for each vehicle. Include parts and labor for the
following: drain old oil, replace oil filter and refill with
appropriate number of quarts of 10W30 SG grade oil. If SG grade
not available, price SF grade oil.
ATF Change.............................. Price to change automatic transmission fluid in each vehicle.
Include parts and labor for the following: drain and replace
transmission fluid and test vehicle. Include filter and pan
gasket replacement.
Coolant Flush and Fill.................. Price to flush and fill engine coolant in each vehicle. Include
parts and labor for the following: remove old coolant, flush
contaminants, and replace with new coolant.
Muffler System.......................... Complete muffler system for each vehicle. Include parts and labor
for the following: install all parts after the catalytic
converter. These parts include mid pipes, clamps, muffler, and
tail pipes.
One-Time Taxes.......................... Report any one-time sales or other taxes associated with a new car
purchase for each vehicle.
Annual Misc. Taxes...................... Annual miscellaneous tax (e.g., personal property tax, use tax,
etc.) for each vehicle. Report how rate is determined, give
formula for new vehicle purchase, give formula for subsequent
year (2 to 5) and explain billing.
[[Page 14227]]
Regular Tires........................... Black Side Wall P175/70R13 for the Honda Civic. Order of choice:
Goodyear Invicta GL, Michelin LX1, BF Goodrich Touring TA.
Black Side Wall P205/75R15 for Chevrolet blazer. Order of choice:
Goodyear Wrangler AT, Michelin XCHF, BF Goodrich Radial TA.
Black Side Wall P205/65R15 for the Ford Taurus GL. Order of
choice: Goodyear Invicta GL, Michelin XW4, BF Goodrich Touring
TA.
License And Registration................ Title fee (including lien fee), passenger vehicle registration
fees, plate fees, inspection fees (safety and emissions),
administration/clerical/other fees and local added fees for each
vehicle.
Automobile Finance...................... The interest rate for a 4-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.................... Coverage identified below. Assume that vehicles are used in
commuting 15 miles one-way per day, 15,000 mi/yr and that the
driver is a 35-year-old married male with no accidents or
violations in the last 5 years. Include related expense fees and
taxes. Include applicable safety feature discounts. COVERAGES (BI
100/300,000 PD 25,000 Med 15,000 or PIP 50,000 UM 100/300,000.
Com 100 deductible. Col 250 ded). If these deductibles are not
available, price the policy with the closest coverage available.
CVJ Boots............................... The replacement of the inner and outer CVJ Boots (constant
velocity joint) on both front wheels for a 3-year old (1993)
edition of each vehicle.
Studded Snow Tire....................... Studded P175/70R13, P205/65R15, and P205/75R15 snow tire for Honda
Civic DX, Ford Taurus GL, and Chevy Blazer, respectively. Order
of choice: Goodyear Ultra Grip, Michelin XM+SA Alpin, BF Goodrich
Trailmaker Plus.
Residual Value.......................... Retail value of a 48-month old edition of each vehicle.
Round Trip Airfare...................... Lowest cost round trip tickets offered by major airlines to
Chicago, Los Angeles, Miami, New York, Seattle, and St. Louis.
Daytime departure, maximum 14-day advance purchase, and minimum 7-
day stay over. Disregard other restrictions.
----------------------------------------------------------------------------------------------------------------
Appendix 6.--Principal Pricing Changes
[Goods and Services/Miscellaneous Expenses/Housing Related]
------------------------------------------------------------------------
Current Previous Reason
------------------------------------------------------------------------
1. Charge card annual fee....... Not surveyed...... New item.
2. Charge card finance charges.. Not surveyed...... New item.
3. Funeral services............. Not surveyed...... New item.
4. Motor scooter................ Not surveyed...... New item.
5. Personal water craft......... Not surveyed...... New item.
6. Parcel post.................. Not surveyed...... New item.
7. Accounting service; Federal Accounting Change improves
1040 tax form service with service; price comparison.
typical itemized deductions. unspecified
personal tax
service.
8. Area rug..................... Toilet lid cover.. Change improves
brand comparison
and better
representation of
consumer
expenditure
survey.
9. Baking dish.................. Casserole dish set Change improves
brand comparison.
10. Boy's jeans; discount store. Boy's jeans; More widely used
department store. outlet.
11. Contact lenses.............. Optometrist visit. Change improves
price comparison.
12. Fruit juice; cranberry...... Tomato juice...... More
representative of
a fruit juice
purchase.
13. Girl's knit top............. Girl's blouse..... More widely
purchased item.
14. Hospital room; semi-private. Hospital room; More typical of
private. hospital stays.
15. Lawn care service........... Appliance repair.. Change improves
price comparison
and better
representation of
consumer
expenditure
survey.
16. Legal services; real estate Legal services; More widely used
closing. general counsel. service.
17. Man's jeans; discount store. Man's jeans; More widely used
department store. outlet.
18. Round trip airfare; multiple Round trip Expands cost
areas. airfare; Los information base.
Angeles.
19. Snack cake.................. Donuts............ Change improves
brand comparison.
20. Tune-up without PVC valve, Tune-up with PVC Change improves
fuel filter, and air filter valve, fuel price comparison
replacement. filter, and air and facilitates
filter data collection.
replacement.
21. Basic cable service; price Basic cable Change improves
per channel per month. service; monthly price comparison.
rate.
------------------------------------------------------------------------
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
[[Page 14228]]
surveyed are identified through the use of full-scale Background
Surveys, conducted approximately once every five years.
Participation in the Price Surveys is voluntary. Data are collected
by telephone and/or personal interview.
Wherever practical and appropriate, the price of each good or
service is obtained from at least three outlets in each allowance
area and at least six outlets in the reference area (i.e., the
Washington, DC, area). Realty data may be obtained from one or
multiple sources, as appropriate.
Release of Information
The price data collected from participating firms may be made
available to Congress or to the general public upon request. This
includes the name of the company and prices of items or services
surveyed. The names of proprietors, managers, or other individuals
who provide price information generally will not be made public.
However, the Government may release the names of individuals who, on
the basis of their expertise, provide opinions or estimates.
Public Burden Information
Public burden reporting for this collection of information is
estimated to vary from 1 to 20 minutes per response. Send comments
regarding the burden estimate or any other aspect of this collection
of information, including suggestion for reducing this burden to
Reports and Forms Management Officer, U.S. Office of Personnel
Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415;
and to the Office of Management and Budget, Paperwork Reduction
Project (3206090199), 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).
lst Choice: Arm pot roast.
2nd Choice: Eye roast.
Peas, Frozen.
Price for 10 ounce package.
lst Choice: Bird's Eye.
2nd Choice: Major brand of equivalent quality.
Men's Jeans.
Price for one pair of blue jeans.
1st Choice: Levi's #501 jeans.
2nd Choice: Equivalent quality jeans.
Automobile, New.
`Sticker' price of current year model Honda Civic, DX, four door
sedan, 1.5 liter, four cylinder engine. (Price options, fees,
financing, and taxes separately.)
Example of services include, but are not limited to:
Woman's Haircut and Styling.
`Regular service' price for a woman's cut and styled 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 if 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 or your rental units.
2. Are they apartments, duplexes, town houses, detached houses,
or other types of units? Describe.
3. Are there additional amenities (e.g., pool, sauna, tennis
courts, gym)? If so, describe.
4. What is the monthly rent? What is the amount of the security
deposit (if any)? What other kinds of fees or assessments are there?
5. Are utilities included? Which ones? If you can, please
provide information on average monthly or annual costs of utilities
paid by tenants.
6. Are term leases usually required? What are the conditions and
penalties associated with the lease?
7. Are there any special restrictions or other factors we should
know about (e.g., seasonal tourist trade)?
Housing Component--Information Collection for Comparable Sales
1. Describe the location, size, layout, number and types of
rooms, and square footage of some of your recent home sales.
2. Were they condominiums, duplexes, town houses, detached
houses, or other types of dwellings? Describe.
3. Were there any atypical characteristics (e.g., extra large
lot sizes, beach front, desirable/undesirable locations)?
4. Are there additional amenities provided by the developer,
homeowners association, or similar community group (e.g., pool,
sauna, tennis courts, gym)? If so, describe facilities and charges.
5. What was the selling price and date of sale?
6. What are the real estate taxes?
7. Do you have any data on utilities relating to these homes?
8. In the past year or so, what has been the average
appreciation rate of property in this community? Looking back over
the past six years, has this rate changed? How?
9. Describe current market conditions (e.g., soft, booming, so-
so). How has this affected housing prices? Describe the housing
market over the past six years.
10. Are there any special considerations or other factors we
should know about (e.g., retirement/tourist trade) that might affect
the housing market in this community?
BILLING CODE 6325-01-F
[[Page 14229]]
[GRAPHIC] [TIFF OMITTED] TN25MR97.016
[[Page 14230]]
[GRAPHIC] [TIFF OMITTED] TN25MR97.017
[[Page 14231]]
[GRAPHIC] [TIFF OMITTED] TN25MR97.018
[[Page 14232]]
[GRAPHIC] [TIFF OMITTED] TN25MR97.019
BILLING CODE 6325-01-C
[[Page 14233]]
Nonforeign Area Cost-of-Living Allowances Background Survey Data
Collection Procedures
Survey Description
The following information will be provided to the participants
verbally or in writing. Participants who are familiar with the
program and the survey may be provided with less information as
appropriate.
Purpose
The Federal Government pays cost-of-living allowances (COLA) in
Alaska, Hawaii, and certain U.S. territories and possessions. Living
cost differences are determined by comparing costs of goods,
services, housing, transportation, and other items in the allowance
area with the cost of the same or similar items and services in the
Washington, DC, area. The U.S. Office of Personnel Management (OPM)
is responsible for the operation of the COLA program. OPM, or its
representative, conducts annual surveys to determine living cost
differences. OPM conducts full-scale Background Surveys
approximately once every five years to review the appropriateness of
items, services, and businesses covered in the annual Price surveys.
Elements of the Background Survey may be repeated annually on a
limited basis as part of the maintenance of and preparation for the
annual Price Surveys.
OPM uses the Background Survey to identify the services, items,
quantities, outlets, and locations that will be surveyed to collect
living cost data within the allowance areas and the Washington, DC,
area. The Background Survey also is used to collect information on
local trade practices, consumer buying patterns, taxes and fees, and
other economic characteristics related to living costs.
Data Collection
Full-scale Background Surveys are conducted approximately once
every five years. OPM identifies major manufacturers, local
governments, retail outlets, realty firms, and businesses providing
professional services to be surveyed on the basis of business volume
and local prominence. Participation is voluntary. Data are collected
by telephone and/or personal interview.
Confidentiality
All data collected are used only for the purposes described
above. The Government pledges to hold all micro or ``raw'' data
collected in confidence. Names of participating businesses and
institutions may be released. Names of individuals are not released.
Summary data will be made available to the public only to the extent
that micro data cannot be associated with data sources.
Public Burden Information
Public burden reporting for this collection of information is
estimated to vary from 5 minutes to 30 minutes per response. Send
comments regarding the burden estimate or any other aspect of this
collection of information, including suggestion for reducing this
burden to Reports and Forms Management Officer, U.S. Office of
Personnel Management, 1900 E Street NW., Room CHP 500, Washington,
DC 20415; and to the Office of Management and Budget, Paperwork
Reduction Project (3206090199), 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 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 of roads and highways are common in your area?
What are the road surfaces and conditions?
3. Are there unusual climatic or other factors that affect the
fuel economy, maintenance, and depreciation of vehicles?
4. Is there anything else we should know about private
transportation usage and maintenance in your area? Are there
suggestions or recommendations you wish to make?
Local Taxes and Fees
1. What types of taxes, licenses, or fees does your State,
territory, or local jurisdiction levy on real estate; personal
property; sales (including sales of property); automobiles;
utilities; or other goods, services, or transactions?
2. Who levies these taxes, licenses or fees (i.e., State,
territory, county, city, other jurisdiction)?
3. What are the rates or schedules for these? How often and when
are they levied? Do the rates/schedules vary by location, season, or
other factors?
4. Is there anything else we should know about taxes and fees in
your area? Are there suggestions or recommendations you wish to
make?
Mortgage Information
1. What forms of home financing are most common in
____________________________________ (the allowance area or
Washington DC metropolitan area)? (Do not include second mortgages.)
2. What are the typical conditions and limitations on loans?
3. What is the typical amount(s) of down payment required? What
are the terms and rates?
4. Are there special subsidies or other practices that influence
home financing in your area?
5. Looking back six 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).
[[Page 14234]]
4. For each type of housing, what are the usual number of rooms,
bedrooms, baths, total square footage, lot size, type of
construction, and similar characteristics?
5. What types of utilities are available and typically used in
these communities: sewer, water, natural gas, electricity, other?
6. Are there any unusual factors that might affect maintenance
requirements in your area?
7. Looking back 6 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-F
[[Page 14235]]
[GRAPHIC] [TIFF OMITTED] TN25MR97.020
BILLING CODE 6325-01-C
[[Page 14236]]
Appendix 8--Consumption Goods and Services Analysis
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Categories Category -----------------------------------------------------------------------
indexes Weights* Subtotal Weights* Subtotal Weights* Subtotal
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
1. Food At Home......... 112.18 27.04 30.33 24.04 26.97 21.15 23.73
2. Food Away From Home.. 114.92 13.60 15.63 14.16 16.27 14.71 16.90
3. Tobacco.............. 109.72 3.09 3.39 2.55 2.80 2.02 2.22
4. Alcohol.............. 112.15 2.66 2.98 2.64 2.96 2.62 2.94
5. Furnishings and
Household Operations... 103.17 14.98 15.45 15.99 16.50 16.97 17.51
6. Clothing............. 97.88 13.54 13.25 14.22 13.92 14.87 14.55
7. Domestic Services.... 85.15 1.73 1.47 1.94 1.65 2.14 1.82
8. Professional Services 98.26 6.95 6.83 7.01 6.89 7.07 6.95
9. Personal Care........ 101.48 3.62 3.67 3.52 3.57 3.43 3.48
10. Recreation.......... 114.89 12.80 14.71 13.93 16.00 15.02 17.26
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 107.71 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 107.53 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 107.36
=============
Fairbanks, AK:
1. Food At Home......... 111.54 27.04 30.16 24.04 26.81 21.15 23.59
2. Food Away From Home.. 123.76 13.60 16.83 14.16 17.52 14.71 18.21
3. Tobacco.............. 101.67 3.09 3.14 2.55 2.59 2.02 2.05
4. Alcohol.............. 111.49 2.66 2.97 2.64 2.94 2.62 2.92
5. Furnishings and
Household Operations... 108.94 14.98 16.32 15.99 17.42 16.97 18.49
6. Clothing............. 108.62 13.54 14.71 14.22 15.45 14.87 16.15
7. Domestic Services.... 75.77 1.73 1.31 1.94 1.47 2.14 1.62
8. Professional Services 122.36 6.95 8.50 7.01 8.58 7.07 8.65
9. Personal Care........ 99.99 3.62 3.62 3.52 3.52 3.43 3.43
10. Recreation.......... 143.48 12.80 18.37 13.93 19.99 15.02 21.55
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 115.93 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 116.29 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 116.66
=============
Juneau, AK:
1. Food At Home......... 118.98 27.04 32.17 24.04 28.60 21.15 25.16
2. Food Away From Home.. 127.90 13.60 17.39 14.16 18.11 14.71 18.81
3. Tobacco.............. 93.07 3.09 2.88 2.55 2.37 2.02 1.88
4. Alcohol.............. 109.03 2.66 2.90 2.64 2.88 2.62 2.86
5. Furnishings and
Household Operations... 104.68 14.98 15.68 15.99 16.74 16.97 17.76
6. Clothing............. 106.68 13.54 14.44 14.22 15.17 14.87 15.86
7. Domestic Services.... 88.80 1.73 1.54 1.94 1.72 2.14 1.90
8. Professional Services 102.98 6.95 7.16 7.01 7.22 7.07 7.28
9. Personal Care........ 117.43 3.62 4.25 3.52 4.13 3.43 4.03
10. Recreation.......... 146.20 12.80 18.71 13.93 20.37 15.02 21.96
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 117.12 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 117.31 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 117.50
=============
Nome, AK:
1. Food At Home......... 162.32 27.04 43.89 24.04 39.02 21.15 34.33
2. Food Away From Home.. 127.70 13.60 17.37 14.16 18.08 14.71 18.78
3. Tobacco.............. 112.38 3.09 3.47 2.55 2.87 2.02 2.27
4. Alcohol.............. 129.90 2.66 3.46 2.64 3.43 2.62 3.40
5. Furnishings and
Household Operations... 134.95 14.98 20.22 15.99 21.58 16.97 22.90
6. Clothing............. 131.72 13.54 17.83 14.22 18.73 14.87 19.59
7. Domestic Services.... 115.71 1.73 2.00 1.94 2.24 2.14 2.48
8. Professional Services 89.87 6.95 6.25 7.01 6.30 7.07 6.35
9. Personal Care........ 110.82 3.62 4.01 3.52 3.90 3.43 3.80
10. Recreation.......... 173.63 12.80 22.22 13.93 24.19 15.02 26.08
-------------
[[Page 14237]]
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 140.72 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 140.34 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 139.98
=============
Honolulu, HI:
1. Food At Home......... 135.40 27.04 36.61 24.04 32.55 21.15 28.64
2. Food Away From Home.. 122.05 13.60 16.60 14.16 17.28 14.71 17.95
3. Tobacco.............. 113.11 3.09 3.50 2.55 2.88 2.02 2.28
4. Alcohol.............. 108.90 2.66 2.90 2.64 2.87 2.62 2.85
5. Furnishings and
Household Operations... 104.89 14.98 15.71 15.99 16.77 16.97 17.80
6. Clothing............. 94.67 13.54 12.82 14.22 13.46 14.87 14.08
7. Domestic Services.... 90.18 1.73 1.56 1.94 1.75 2.14 1.93
8. Professional Services 107.59 6.95 7.48 7.01 7.54 7.07 7.61
9. Personal Care........ 85.45 3.62 3.09 3.52 3.01 3.43 2.93
10. Recreation.......... 119.19 12.80 15.26 13.93 16.60 15.02 17.90
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 115.53 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 114.71 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 113.97
=============
Hilo, HI:
1. Food At Home......... 137.68 27.04 37.23 24.04 33.10 21.15 29.12
2. Food Away From Home.. 114.98 13.60 15.64 14.16 16.28 14.71 16.91
3. Tobacco.............. 107.87 3.09 3.33 2.55 2.75 2.02 2.18
4. Alcohol.............. 114.39 2.66 3.04 2.64 3.02 2.62 3.00
5. Furnishings and
Household Operations... 103.18 14.98 15.46 15.99 16.50 16.97 17.51
6. Clothing............. 101.56 13.54 13.75 14.22 14.44 14.87 15.10
7. Domestic Services.... 67.36 1.73 1.17 1.94 1.31 2.14 1.44
8. Professional Services 93.13 6.95 6.47 7.01 6.53 7.07 6.58
9. Personal Care........ 107.88 3.62 3.91 3.52 3.80 3.43 3.70
10. Recreation.......... 117.98 12.80 15.10 13.93 16.43 15.02 17.72
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 115.10 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 114.16 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 113.26
=============
Kailua Kona, HI:
1. Food At Home......... 131.75 27.04 35.63 24.04 31.67 21.15 27.87
2. Food Away From Home.. 126.04 13.60 17.14 14.16 17.85 14.71 18.54
3. Tobacco.............. 107.90 3.09 3.33 2.55 2.75 2.02 2.18
4. Alcohol.............. 113.72 2.66 3.02 2.64 3.00 2.62 2.98
5. Furnishings and
Household Operations... 97.94 14.98 14.67 15.99 15.66 16.97 16.62
6. Clothing............. 99.79 13.54 13.51 14.22 14.19 14.87 14.84
7. Domestic Services.... 91.96 1.73 1.59 1.94 1.78 2.14 1.97
8. Professional Services 102.79 6.95 7.14 7.01 7.21 7.07 7.27
9. Personal Care........ 90.66 3.62 3.28 3.52 3.19 3.43 3.11
10. Recreation.......... 138.27 12.80 17.70 13.93 19.26 15.02 20.77
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 117.01 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 116.56 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 116.15
=============
Kauai County, HI:
1. Food At Home......... 146.62 27.04 39.65 24.04 35.25 21.15 31.01
2. Food Away From Home.. 136.39 13.60 18.55 14.16 19.31 14.71 20.06
3. Tobacco.............. 119.63 3.09 3.70 2.55 3.05 2.02 2.42
4. Alcohol.............. 112.24 2.66 2.99 2.64 2.96 2.62 2.94
[[Page 14238]]
5. Furnishings and
Household Operations... 108.05 14.98 16.19 15.99 17.28 16.97 18.34
6. Clothing............. 102.33 13.54 13.86 14.22 14.55 14.87 15.22
7. Domestic Services.... 71.70 1.73 1.24 1.94 1.39 2.14 1.53
8. Professional Services 106.07 6.95 7.37 7.01 7.44 7.07 7.50
9. Personal Care........ 98.85 3.62 3.58 3.52 3.48 3.43 3.39
10. Recreation.......... 129.70 12.80 16.60 13.93 18.07 15.02 19.48
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 123.73 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 122.78 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 121.89
=============
Maui County, HI:
1. Food At Home......... 136.12 27.04 36.81 24.04 32.72 21.15 28.79
2. Food Away From Home.. 133.24 13.60 18.12 14.16 18.87 14.71 19.60
3. Tobacco.............. 116.64 3.09 3.60 2.55 2.97 2.02 2.36
4. Alcohol.............. 116.97 2.66 3.11 2.64 3.09 2.62 3.06
5. Furnishings and
Household Operations... 110.27 14.98 16.52 15.99 17.63 16.97 18.71
6. Clothing............. 100.98 13.54 13.67 14.22 14.36 14.87 15.02
7. Domestic Services.... 84.56 1.73 1.46 1.94 1.64 2.14 1.81
8. Professional Services 97.35 6.95 6.77 7.01 6.82 7.07 6.88
9. Personal Care........ 105.20 3.62 3.81 3.52 3.70 3.43 3.61
10. Recreation.......... 126.68 12.80 16.22 13.93 17.65 15.02 19.03
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 120.09 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 119.45 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 118.87
=============
Guam:
1. Food At Home......... 128.12 27.04 34.64 24.04 30.80 21.15 27.10
2. Food Away From Home.. 123.12 13.60 16.74 14.16 17.43 14.71 18.11
3. Tobacco.............. 77.80 3.09 2.40 2.55 1.98 2.02 1.57
4. Alcohol.............. 101.35 2.66 2.70 2.64 2.68 2.62 2.66
5. Furnishings and
Household Operations... 119.21 14.98 17.86 15.99 19.06 16.97 20.23
6. Clothing............. 105.81 13.54 14.33 14.22 15.05 14.87 15.73
7. Domestic Services.... 86.75 1.73 1.50 1.94 1.68 2.14 1.86
8. Professional Services 100.03 6.95 6.95 7.01 7.01 7.07 7.07
9. Personal Care........ 118.07 3.62 4.27 3.52 4.16 3.43 4.05
10. Recreation.......... 126.43 12.80 16.18 13.93 17.61 15.02 18.99
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 117.57 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 117.46 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 117.37
=============
Guam Blend:**
1. Food At Home......... 89.20 27.04 24.12 24.04 21.44 21.15 18.87
2. Food Away From Home.. 123.12 13.60 16.74 14.16 17.43 14.71 18.11
3. Tobacco.............. 56.89 3.09 1.76 2.55 1.45 2.02 1.15
4. Alcohol.............. 94.01 2.66 2.50 2.64 2.48 2.62 2.46
5. Furnishings and
Household Operations... 108.85 14.98 16.31 15.99 17.41 16.97 18.47
6. Clothing............. 94.80 13.54 12.84 14.22 13.48 14.87 14.10
7. Domestic Services.... 86.75 1.73 1.50 1.94 1.68 2.14 1.86
8. Professional Services 100.03 6.95 6.95 7.01 7.01 7.07 7.07
9. Personal Care........ 111.21 3.62 4.03 3.52 3.91 3.43 3.81
10. Recreation.......... 116.43 12.80 14.90 13.93 16.22 15.02 17.49
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 101.65 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 102.51 .......... ..........
[[Page 14239]]
Upper........... .......... .......... .......... .......... .......... .......... 103.39
=============
Puerto Rico:
1. Food At Home......... 102.23 27.04 27.64 24.04 24.58 21.15 21.62
2. Food Away From Home.. 107.64 13.60 14.64 14.16 15.24 14.71 15.83
3. Tobacco.............. 93.64 3.09 2.89 2.55 2.39 2.02 1.89
4. Alcohol.............. 116.10 2.66 3.09 2.64 3.07 2.62 3.04
5. Furnishings and
Household Operations... 95.57 14.98 14.32 15.99 15.28 16.97 16.22
6. Clothing............. 90.51 13.54 12.26 14.22 12.87 14.87 13.46
7. Domestic Services.... 89.13 1.73 1.54 1.94 1.73 2.14 1.91
8. Professional Services 102.10 6.95 7.10 7.01 7.16 7.07 7.22
9. Personal Care........ 86.75 3.62 3.14 3.52 3.05 3.43 2.98
10. Recreation.......... 110.71 12.80 14.17 13.93 15.42 15.02 16.63
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 100.79 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 100.79 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 100.80
=============
St. Croix, VI:
1. Food At Home......... 117.61 27.04 31.80 24.04 28.27 21.15 24.87
2. Food Away From Home.. 131.30 13.60 17.86 14.16 18.59 14.71 19.31
3. Tobacco.............. 72.84 3.09 2.25 2.55 1.86 2.02 1.47
4. Alcohol.............. 104.96 2.66 2.79 2.64 2.77 2.62 2.75
5. Furnishings and
Household Operations... 116.92 14.98 17.51 15.99 18.70 16.97 19.84
6. Clothing............. 96.28 13.54 13.04 14.22 13.69 14.87 14.32
7. Domestic Services.... 40.34 1.73 0.70 1.94 0.78 2.14 0.86
8. Professional Services 106.28 6.95 7.39 7.01 7.45 7.07 7.51
9. Personal Care........ 105.81 3.62 3.83 3.52 3.72 3.43 3.63
10. Recreation.......... 124.48 12.80 15.93 13.93 17.34 15.02 18.70
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 113.10 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 113.17 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 113.26
=============
St. Thomas, VI:
1. Food At Home......... 127.65 27.04 34.52 24.04 30.69 21.15 27.00
2. Food Away From Home.. 129.20 13.60 17.57 14.16 18.29 14.71 19.01
3. Tobacco.............. 69.65 3.09 2.15 2.55 1.78 2.02 1.41
4. Alcohol.............. 107.08 2.66 2.85 2.64 2.83 2.62 2.81
5. Furnishings and
Household Operations... 117.63 14.98 17.62 15.99 18.81 16.97 19.96
6. Clothing............. 95.30 13.54 12.90 14.22 13.55 14.87 14.17
7. Domestic Services.... 73.38 1.73 1.27 1.94 1.42 2.14 1.57
8. Professional Services 127.30 6.95 8.85 7.01 8.92 7.07 9.00
9. Personal Care........ 124.10 3.62 4.49 3.52 4.37 3.43 4.26
10. Recreation.......... 124.14 12.80 15.89 13.93 17.29 15.02 18.65
-------------
Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........
-------------
Total indexes:
Lower........... .......... .......... 118.11 .......... .......... .......... ..........
Middle.......... .......... .......... .......... .......... 117.95 .......... ..........
Upper........... .......... .......... .......... .......... .......... .......... 117.84
----------------------------------------------------------------------------------------------------------------
*Numbers might not add to 100 due to rounding.
**Local Retail and Commissary/Exchange
[[Page 14240]]
Consumption Goods and Services Analysis--Composites
[1996 Survey]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
Hilo, HI.................... 82.88 115.10 114.16 113.26
Kailua Kona, HI............. 17.12 117.01 116.56 116.15
------------
Total weight............ 100.00 ......... ......... .........
------------
Hawaii County, HI...... ......... 115.43 114.57 113.75
============
St. Croix, VI............... 46.42 113.10 113.17 113.26
St. Thomas, VI.............. 53.58 118.11 117.95 117.84
------------
Total weight............ 100.00 ......... ......... .........
------------
Virgin Islands......... ......... 115.78 115.73 115.71
------------------------------------------------------------------------
Appendix 9.--OPM Living Community List
----------------------------------------------------------------------------------------------------------------
Low Middle High
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Homeowner........................ North Anchorage........ North Anchorage........ South Anchorage.*
Renter........................... North Anchorage........ North Anchorage........ South Anchorage.*
--------------------------------------
*The line between North and South Anchorage is set by Tudor Road.
======================================
Fairbanks, AK:
Homeowner........................ Fairbanks.............. Fairbanks.............. Fairbanks.
Renter........................... Fairbanks.............. Fairbanks.............. Fairbanks.
Juneau, AK:
Homeowner........................ Juneau/Mendenhall...... Juneau/Mendenhall...... Juneau/Mendenhall.
Renter........................... Juneau/Mendenhall...... Juneau/Mendenhall...... Juneau/Mendenhall.
Nome, AK:
Homeowner........................ Nome................... Nome................... Nome.
Renter........................... Nome................... Nome................... Nome.
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.
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.
[[Page 14241]]
Renter........................... St. Croix.............. St. Croix.............. St. Croix.
St. Thomas:
Homeowner........................ St. Thomas............. St. Thomas............. St. Thomas.
Renter........................... St. Thomas............. St. Thomas............. St. Thomas.
Washington, DC DC:
Homeowner........................ Southeast DC........... Northeast DC........... Northwest DC.*
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/Silver Rockville.
Suitland. Spring.
Renter........................... Capitol Heights/ Hyattsville/College Rockville.
Suitland. Park.
Washington, DC VA:
Homeowner........................ Woodbridge/Dale City... Springfield............ Alexandria.
Renter........................... Woodbridge/Dale City... Alexandria............. Arlington.
----------------------------------------------------------------------------------------------------------------
Appendix 10--Historical Home Market Values and Interest Rates
----------------------------------------------------------------------------------------------------------------
Interest rate
Area Year (percent) Income level Market value Annual P&I*
----------------------------------------------------------------------------------------------------------------
Anchorage, AK................ 1986 10.000 Lower............ $87,974 $7,411.56
.............. .............. Middle........... 116,993 9,856.32
.............. .............. Upper............ 143,284 12,071.28
1987 9.375 Lower............ 81,024 6,469.56
.............. .............. Middle........... 109,147 8,715.12
.............. .............. Upper............ 130,227 10,398.36
1988 10.500 Lower............ 74,218 6,517.44
.............. .............. Middle........... 101,300 8,895.60
.............. .............. Upper............ 117,190 10,291.08
1989 11.125 Lower............ 67,538 6,235.80
.............. .............. Middle........... 93,454 8,628.72
.............. .............. Upper............ 112,532 10,390.20
1990 10.250 Lower............ 60,784 5,229.00
.............. .............. Middle........... 87,071 7,490.40
.............. .............. Upper............ 114,783 9,874.32
1992 9.000 Lower............ 65,700 5,074.92
.............. .............. Middle........... 96,200 7,430.88
.............. .............. Upper............ 139,400 10,767.84
1993 8.125 Lower............ 70,902 5,053.92
.............. .............. Middle........... 99,073 7,061.88
.............. .............. Upper............ 130,815 9,324.48
1994 7.625 Lower............ 72,216 4,906.92
.............. .............. Middle........... 99,099 6,733.56
.............. .............. Upper............ 124,780 8,478.60
1995 8.625 Lower............ 83,286 6,218.76
.............. .............. Middle........... 102,089 7,622.76
.............. .............. Upper............ 134,580 10,048.80
1996 7.125 Lower............ 83,646 5,409.96
.............. .............. Middle........... 112,671 7,287.24
.............. .............. Upper............ 139,689 9,034.68
Fairbanks, AK................ 1986 10.000 Lower............ 78,982 6,654.00
.............. .............. Middle........... 102,726 8,654.40
.............. .............. Upper............ 140,199 11,811.36
1987 9.375 Lower............ 71,839 5,736.24
.............. .............. Middle........... 97,958 7,821.72
.............. .............. Upper............ 131,833 10,526.64
1988 10.500 Lower............ 64,696 5,681.28
.............. .............. Middle........... 93,191 8,183.52
.............. .............. Upper............ 123,467 10,842.24
1989 11.125 Lower............ 57,553 5,313.96
.............. .............. Middle........... 88,424 8,164.32
.............. .............. Upper............ 115,101 10,627.44
1990 10.250 Lower............ 50,604 4,353.24
.............. .............. Middle........... 83,619 7,193.40
.............. .............. Upper............ 107,143 9,217.08
1992 9.000 Lower............ 70,851 5,472.84
.............. .............. Middle........... 101,400 7,832.52
.............. .............. Upper............ 137,000 10,582.44
1993 8.125 Lower............ 69,498 4,953.84
[[Page 14242]]
.............. .............. Middle........... 101,478 7,233.36
.............. .............. Upper............ 115,787 8,253.24
1994 7.625 Lower............ 76,302 5,184.60
.............. .............. Middle........... 112,580 7,649.64
.............. .............. Upper............ 127,829 8,685.72
1995 8.708 Lower............ 68,940 5,186.76
.............. .............. Middle........... 84,240 6,337.80
.............. .............. Upper............ 108,426 8,157.48
1996 7.125 Lower............ 72,918 4,716.12
.............. .............. Middle........... 92,625 5,990.76
.............. .............. Upper............ 115,855 7,493.16
Juneau, AK................... 1986 10.000 Lower............ 90,811 7,650.60
.............. .............. Middle........... 107,283 9,038.28
.............. .............. Upper............ 127,114 10,708.92
1987 9.375 Lower............ 83,909 6,699.96
.............. .............. Middle........... 100,846 8,052.36
.............. .............. Upper............ 120,885 9,652.44
1988 10.500 Lower............ 76,441 6,712.68
.............. .............. Middle........... 93,787 8,235.96
.............. .............. Upper............ 113,874 9,999.84
1989 11.125 Lower............ 68,797 6,352.08
.............. .............. Middle........... 86,284 7,966.68
.............. .............. Upper............ 106,131 9,799.20
1990 10.250 Lower............ 78,429 6,746.88
.............. .............. Middle........... 99,227 8,536.08
.............. .............. Upper............ 123,324 10,609.08
1992 9.000 Lower............ 89,470 6,911.04
.............. .............. Middle........... 114,400 8,836.68
.............. .............. Upper............ 146,300 11,300.76
1993 8.125 Lower............ 87,570 6,241.92
.............. .............. Middle........... 115,518 8,234.04
.............. .............. Upper............ 134,232 9,568.08
1994 7.625 Lower............ 92,826 6,307.32
.............. .............. Middle........... 117,364 7,974.72
.............. .............. Upper............ 140,760 9,564.36
1995 8.625 Lower............ 102,879 7,681.80
.............. .............. Middle........... 138,723 10,358.16
.............. .............. Upper............ 163,812 12,231.48
1996 7.125 Lower............ 114,255 7,389.72
.............. .............. Middle........... 143,767 9,298.44
.............. .............. Upper............ 169,507 10,963.20
Nome, AK..................... 1986 10.000 Lower............ 84,057 7,081.56
.............. .............. Middle........... 111,159 9,364.80
.............. .............. Upper............ 133,735 11,266.80
1987 9.375 Lower............ 81,367 6,497.04
.............. .............. Middle........... 107,602 8,591.76
.............. .............. Upper............ 129,445 10,335.96
1988 10.500 Lower............ 78,763 6,916.56
.............. .............. Middle........... 104,159 9,146.76
.............. .............. Upper............ 125,312 11,004.24
1989 11.125 Lower............ 76,243 7,039.56
.............. .............. Middle........... 100,826 9,309.36
.............. .............. Upper............ 121,302 11,199.96
1990 10.250 Lower............ 73,803 6,348.96
.............. .............. Middle........... 97,600 8,396.16
.............. .............. Upper............ 117,420 10,101.12
1992 9.000 Lower............ 71,100 5,492.04
.............. .............. Middle........... 97,500 7,531.32
.............. .............. Upper............ 122,400 9,454.68
1993 8.125 Lower............ 56,453 4,023.96
.............. .............. Middle........... 77,415 5,518.08
.............. .............. Upper............ 97,186 6,927.36
1994 7.625 Lower............ 82,365 5,596.56
.............. .............. Middle........... 112,948 7,674.60
.............. .............. Upper............ 141,794 9,634.68
1995 8.625 Lower............ 81,711 6,101.16
.............. .............. Middle........... 118,027 8,812.80
.............. .............. Upper............ 154,343 11,524.44
1996 7.125 Lower............ 80,856 5,229.48
.............. .............. Middle........... 119,171 7,707.60
.............. .............. Upper............ 139,213 9,003.84
[[Page 14243]]
Honolulu, HI................. 1986 10.250 Lower............ 97,229 8,364.24
.............. .............. Middle........... 134,257 11,549.52
.............. .............. Upper............ 154,513 13,292.04
1987 10.375 Lower............ 107,837 9,373.08
.............. .............. Middle........... 158,027 13,735.56
.............. .............. Upper............ 190,786 16,582.92
1988 11.000 Lower............ 118,445 10,828.56
.............. .............. Middle........... 181,797 16,620.48
.............. .............. Upper............ 227,059 20,758.44
1989 10.500 Lower............ 154,366 13,555.68
.............. .............. Middle........... 239,426 21,025.20
.............. .............. Upper............ 263,331 23,124.36
1990 10.250 Lower............ 216,113 18,591.24
.............. .............. Middle........... 335,197 28,835.52
.............. .............. Upper............ 379,283 32,628.12
1991 9.125 Lower............ 207,000 16,168.56
.............. .............. Middle........... 310,700 24,268.44
.............. .............. Upper............ 370,600 28,947.12
1992 8.125 Lower............ 211,347 15,064.80
.............. .............. Middle........... 329,693 23,500.44
.............. .............. Upper............ 363,460 25,907.28
1993 7.125 Lower............ 202,041 13,067.40
.............. .............. Middle........... 327,715 21,195.60
.............. .............. Upper............ 374,918 24,248.52
1994 9.333 Lower............ 251,919 20,041.44
.............. .............. Middle........... 331,695 26,388.00
.............. .............. Upper............ 394,706 31,400.76
1996 7.025 Lower............ 228,111 14,606.04
.............. .............. Middle........... 318,199 20,374.32
.............. .............. Upper............ 398,412 25,510.44
Hilo, HI..................... 1986 10.250 Lower............ 50,459 4,340.76
.............. .............. Middle........... 71,995 6,193.44
.............. .............. Upper............ 97,783 8,411.88
1987 10.375 Lower............ 59,435 5,166.00
.............. .............. Middle........... 82,183 7,143.24
.............. .............. Upper............ 106,098 9,221.88
1988 11.000 Lower............ 68,410 6,254.28
.............. .............. Middle........... 92,371 8,444.88
.............. .............. Upper............ 114,412 10,459.92
1989 10.500 Lower............ 77,386 6,795.60
.............. .............. Middle........... 102,559 9,006.24
.............. .............. Upper............ 122,727 10,777.32
1990 10.250 Lower............ 67,714 5,825.16
.............. .............. Middle........... 108,821 9,361.44
.............. .............. Upper............ 164,283 14,132.52
1991 9.125 Lower............ 134,100 10,474.44
.............. .............. Middle........... 180,700 14,114.28
.............. .............. Upper............ 204,000 15,934.20
1992 8.125 Lower............ 130,743 9,319.32
.............. .............. Middle........... 162,903 11,611.68
.............. .............. Upper............ 197,863 14,103.60
1993 7.125 Lower............ 127,854 8,269.20
.............. .............. Middle........... 173,095 11,195.28
.............. .............. Upper............ 202,018 13,065.96
1994 9.333 Lower............ 114,696 9,124.68
.............. .............. Middle........... 162,500 12,927.72
.............. .............. Upper............ 196,146 15,604.32
1996 7.000 Lower............ 115,750 7,392.84
.............. .............. Middle........... 164,711 10,519.92
.............. .............. Upper............ 183,841 11,741.76
Kailua Kona, HI.............. 1986 10.250 Lower............ 77,097 6,632.28
.............. .............. Middle........... 107,594 9,255.84
.............. .............. Upper............ 119,902 10,314.60
1987 10.375 Lower............ 88,880 7,725.36
.............. .............. Middle........... 122,387 10,637.76
.............. .............. Upper............ 140,297 12,194.52
1988 11.000 Lower............ 100,662 9,202.80
.............. .............. Middle........... 137,180 12,541.44
.............. .............. Upper............ 160,692 14,691.00
1989 10.500 Lower............ 112,444 9,874.32
.............. .............. Middle........... 151,973 13,345.56
[[Page 14244]]
.............. .............. Upper............ 181,087 15,902.16
1990 10.250 Lower............ 134,609 11,579.88
.............. .............. Middle........... 189,900 16,336.32
.............. .............. Upper............ 225,100 19,364.40
1991 9.130 Lower............ 154,800 12,096.60
.............. .............. Middle........... 204,100 15,949.08
.............. .............. Upper............ 256,700 20,059.44
1992 8.125 Lower............ 159,867 11,395.32
.............. .............. Middle........... 222,950 15,891.84
.............. .............. Upper............ 261,018 18,605.28
1993 7.125 Lower............ 153,666 9,938.64
.............. .............. Middle........... 219,245 14,180.16
.............. .............. Upper............ 261,902 16,939.08
1994 9.333 Lower............ 152,235 12,111.00
.............. .............. Middle........... 215,826 17,169.96
.............. .............. Upper............ 224,128 17,830.44
1996 6.958 Lower............ 144,434 9,186.12
.............. .............. Middle........... 191,923 12,206.40
.............. .............. Upper............ 220,752 14,039.88
Kauai County, HI............. 1986 10.250 Lower............ 68,105 5,858.76
.............. .............. Middle........... 88,032 7,572.96
.............. .............. Upper............ 105,494 9,075.24
1987 10.375 Lower............ 78,576 6,829.80
.............. .............. Middle........... 106,294 9,238.92
.............. .............. Upper............ 121,318 10,544.88
1988 11.000 Lower............ 91,046 8,323.68
.............. .............. Middle........... 124,556 11,387.28
.............. .............. Upper............ 145,581 13,309.44
1989 10.500 Lower............ 103,516 9,090.24
.............. .............. Middle........... 142,818 12,541.56
.............. .............. Upper............ 177,900 15,622.32
1990 10.250 Lower............ 177,351 15,256.80
.............. .............. Middle........... 233,846 20,116.80
.............. .............. Upper............ 295,854 25,451.04
1991 9.125 Lower............ 174,336 13,617.12
.............. .............. Middle........... 229,900 17,957.16
.............. .............. Upper............ 290,800 22,714.08
1992 8.125 Lower............ 171,792 12,245.28
.............. .............. Middle........... 221,624 15,797.28
.............. .............. Upper............ 273,921 19,524.96
1993 7.125 Lower............ 171,964 11,122.08
.............. .............. Middle........... 221,858 14,349.12
.............. .............. Upper............ 274,195 17,734.08
1994 9.333 Lower............ 163,350 12,995.64
.............. .............. Middle........... 222,196 17,677.20
.............. .............. Upper............ 255,000 20,287.08
1996 6.958 Lower............ 176,907 11,251.32
.............. .............. Middle........... 228,147 14,510.28
.............. .............. Upper............ 265,084 16,859.40
Maui County, HI.............. 1986 10.250 Lower............ 91,748 7,892.64
.............. .............. Middle........... 121,737 10,472.52
.............. .............. Upper............ 153,091 13,169.76
1987 10.375 Lower............ 100,293 8,717.40
.............. .............. Middle........... 133,911 11,639.40
.............. .............. Upper............ 168,401 14,637.24
1988 11.000 Lower............ 121,107 11,071.92
.............. .............. Middle........... 160,693 14,691.00
.............. .............. Upper............ 202,081 18,474.84
1989 10.500 Lower............ 151,384 13,293.84
.............. .............. Middle........... 200,866 17,639.04
.............. .............. Upper............ 252,601 22,182.12
1990 10.250 Lower............ 174,092 14,976.36
.............. .............. Middle........... 230,996 19,871.64
.............. .............. Upper............ 290,491 24,989.64
1991 9.125 Lower............ 210,651 16,453.68
.............. .............. Middle........... 279,500 21,831.36
.............. .............. Upper............ 351,494 27,454.80
1992 8.125 Lower............ 207,913 14,820.00
.............. .............. Middle........... 275,925 19,667.88
.............. .............. Upper............ 346,925 24,728.76
1993 7.125 Lower............ 180,099 11,648.28
[[Page 14245]]
.............. .............. Middle........... 255,476 16,523.40
.............. .............. Upper............ 310,845 20,104.56
1994 9.333 Lower............ 180,000 14,320.32
.............. .............. Middle........... 250,588 19,936.08
.............. .............. Upper............ 278,443 22,152.12
1996 7.000 Lower............ 192,575 12,299.64
.............. .............. Middle........... 260,593 16,643.88
.............. .............. Upper............ 283,138 18,083.76
Guam......................... 1986 10.250 Lower............ 65,363 5,622.84
.............. .............. Middle........... 79,689 6,855.36
.............. .............. Upper............ 170,384 14,657.40
1987 10.375 Lower............ 74,841 6,505.08
.............. .............. Middle........... 91,802 7,979.40
.............. .............. Upper............ 188,786 16,409.16
1988 11.000 Lower............ 84,271 7,704.36
.............. .............. Middle........... 103,920 9,500.64
.............. .............. Upper............ 207,287 18,950.76
1989 10.375 Lower............ 93,709 8,145.12
.............. .............. Middle........... 116,079 10,089.48
.............. .............. Upper............ 225,735 19,620.72
1990 10.500 Lower............ 103,174 9,060.24
.............. .............. Middle........... 128,151 11,253.60
.............. .............. Upper............ 244,245 21,448.32
1991 10.125 Lower............ 113,491 9,662.04
.............. .............. Middle........... 140,966 12,001.08
.............. .............. Upper............ 268,670 22,873.20
1992 9.491 Lower............ 130,855 10,554.60
.............. .............. Middle........... 162,534 13,109.88
.............. .............. Upper............ 309,777 24,986.28
1993 7.750 Lower............ 144,738 9,954.48
.............. .............. Middle........... 189,280 13,017.84
.............. .............. Upper............ 258,978 17,811.36
1994 10.050 Lower............ 133,452 11,290.32
.............. .............. Middle........... 188,240 15,925.44
.............. .............. Upper............ 244,375 20,674.56
1996 7.875 Lower............ 130,746 9,100.80
.............. .............. Middle........... 180,074 12,534.36
.............. .............. Upper............ 224,347 15,616.08
Puerto Rico.................. 1986 10.250 Lower............ 56,323 4,845.24
.............. .............. Middle........... 68,989 5,934.84
.............. .............. Upper............ 99,857 8,590.32
1987 10.625 Lower............ 60,266 5,346.36
.............. .............. Middle........... 73,818 6,548.64
.............. .............. Upper............ 106,847 9,478.80
1988 10.875 Lower............ 64,485 5,837.04
.............. .............. Middle........... 78,985 7,149.48
.............. .............. Upper............ 114,326 10,348.44
1989 10.375 Lower............ 70,934 6,165.48
.............. .............. Middle........... 86,884 7,551.84
.............. .............. Upper............ 122,329 10,632.72
1990 10.375 Lower............ 78,027 6,782.04
.............. .............. Middle........... 95,572 8,307.00
.............. .............. Upper............ 134,562 11,696.04
1991 8.875 Lower............ 82,800 6,324.48
.............. .............. Middle........... 100,255 7,657.68
.............. .............. Upper............ 141,100 10,777.44
1992 8.125 Lower............ 62,271 4,438.68
.............. .............. Middle........... 84,721 6,038.88
.............. .............. Upper............ 151,946 10,830.72
1993 7.125 Lower............ 61,389 3,970.44
.............. .............. Middle........... 84,084 5,438.28
.............. .............. Upper............ 151,878 9,822.96
1994 8.750 Lower............ 66,843 5,048.16
.............. .............. Middle........... 102,232 7,720.92
.............. .............. Upper............ 143,633 10,847.64
1996 7.792 Lower............ 69,714 4,813.92
.............. .............. Middle........... 107,367 7,413.96
.............. .............. Upper............ 168,385 11,627.40
St. Croix, VI................ 1986 10.250 Lower............ 48,995 4,214.88
.............. .............. Middle........... 63,491 5,461.80
.............. .............. Upper............ 107,730 9,267.60
[[Page 14246]]
1987 12.000 Lower............ 54,140 5,346.12
.............. .............. Middle........... 70,157 6,927.72
.............. .............. Upper............ 119,042 11,754.96
1988 12.000 Lower............ 66,051 6,522.36
.............. .............. Middle........... 85,592 8,451.96
.............. .............. Upper............ 145,231 14,341.08
1989 11.750 Lower............ 64,730 6,272.52
.............. .............. Middle........... 83,880 8,128.20
.............. .............. Upper............ 142,326 13,791.84
1990 11.250 Lower............ 80,912 7,544.28
.............. .............. Middle........... 104,850 9,776.28
.............. .............. Upper............ 177,908 16,588.32
1991 10.250 Lower............ 85,281 7,336.32
.............. .............. Middle........... 110,500 9,505.80
.............. .............. Upper............ 187,500 16,129.80
1992 9.500 Lower............ 103,635 8,365.68
.............. .............. Middle........... 151,866 12,258.96
.............. .............. Upper............ 188,037 15,178.68
1993 8.375 Lower............ 112,962 8,242.44
.............. .............. Middle........... 174,161 12,708.00
.............. .............. Upper............ 194,004 14,155.92
1994 9.083 Lower............ 77,409 6,024.00
.............. .............. Middle........... 128,076 9,966.84
.............. .............. Upper............ 210,035 16,344.96
1996 9.042 Lower............ 86,304 6,691.32
.............. .............. Middle........... 124,863 9,680.88
.............. .............. Upper............ 180,796 14,017.44
St. Thomas, VI............... 1986 10.250 Lower............ 92,023 7,916.40
.............. .............. Middle........... 116,437 10,016.52
.............. .............. Upper............ 138,973 11,955.24
1987 12.000 Lower............ 103,617 10,231.80
.............. .............. Middle........... 131,108 12,946.44
.............. .............. Upper............ 156,484 15,452.28
1988 12.000 Lower............ 121,129 11,961.12
.............. .............. Middle........... 153,265 15,134.40
.............. .............. Upper............ 182,929 18,063.60
1989 11.750 Lower............ 126,943 12,301.20
.............. .............. Middle........... 160,622 15,564.84
.............. .............. Upper............ 191,710 18,577.32
1990 11.250 Lower............ 122,500 11,422.08
.............. .............. Middle........... 155,000 14,452.32
.............. .............. Upper............ 185,000 17,249.64
1991 10.250 Lower............ 126,900 10,916.64
.............. .............. Middle........... 180,700 15,544.80
.............. .............. Upper............ 210,800 18,134.28
1992 9.000 Lower............ 128,930 9,959.04
.............. .............. Middle........... 183,591 14,181.24
.............. .............. Upper............ 214,173 16,543.56
1993 8.250 Lower............ 139,680 10,074.00
.............. .............. Middle........... 198,829 14,339.88
.............. .............. Upper............ 231,949 16,728.48
1994 9.083 Lower............ 106,533 8,290.44
.............. .............. Middle........... 190,164 14,798.52
.............. .............. Upper............ 195,381 15,204.60
1996 8.292 Lower............ 137,936 9,987.00
.............. .............. Middle........... 197,134 14,273.16
.............. .............. Upper............ 187,673 13,588.08
Washington, DC (DC).......... 1986 10.250 Lower............ 64,778 5,572.56
.............. .............. Middle........... 99,213 8,534.88
.............. .............. Upper............ 173,448 14,921.04
1987 10.250 Lower............ 70,543 6,068.52
.............. .............. Middle........... 113,015 9,722.16
.............. .............. Upper............ 187,324 16,114.68
1988 10.500 Lower............ 76,327 6,702.60
.............. .............. Middle........... 126,817 11,136.48
.............. .............. Upper............ 202,310 17,765.88
1989 9.625 Lower............ 82,128 6,701.52
.............. .............. Middle........... 140,619 11,474.40
.............. .............. Upper............ 218,495 17,829.00
1990 9.875 Lower............ 87,877 7,325.52
.............. .............. Middle........... 140,974 11,751.84
[[Page 14247]]
.............. .............. Upper............ 235,975 19,671.24
1991 9.250 Lower............ 90,104 7,116.12
.............. .............. Middle........... 144,550 11,416.08
.............. .............. Upper............ 242,000 19,112.40
1992 8.313 Lower............ 90,828 6,589.32
.............. .............. Middle........... 127,270 9,233.04
.............. .............. Upper............ 241,230 17,500.56
1993 7.375 Lower............ 93,369 6,190.80
.............. .............. Middle........... 115,021 7,626.48
.............. .............. Upper............ 286,564 19,000.56
1994 8.677 Lower............ 82,242 6,170.04
.............. .............. Middle........... 104,657 7,851.72
.............. .............. Upper............ 305,541 22,922.64
1996 7.625 Lower............ 73,177 4,972.20
.............. .............. Middle........... 110,425 7,503.12
.............. .............. Upper............ 290,563 19,743.24
Washington, DC (MD).......... 1986 10.250 Lower............ 60,029 5,164.08
.............. .............. Middle........... 92,955 7,996.56
.............. .............. Upper............ 110,600 9,514.44
1987 10.125 Lower............ 66,032 5,621.64
.............. .............. Middle........... 102,250 8,705.04
.............. .............. Upper............ 121,660 10,357.56
1988 10.375 Lower............ 73,295 6,370.68
.............. .............. Middle........... 113,498 9,865.20
.............. .............. Upper............ 135,043 11,737.80
1989 10.000 Lower............ 81,357 6,854.04
.............. .............. Middle........... 125,983 10,613.64
.............. .............. Upper............ 149,898 12,628.44
1990 9.875 Lower............ 89,493 7,460.28
.............. .............. Middle........... 138,581 11,552.28
.............. .............. Upper............ 164,888 13,745.28
1991 8.750 Lower............ 93,475 7,059.48
.............. .............. Middle........... 144,748 10,931.88
.............. .............. Upper............ 169,958 12,835.80
1992 8.313 Lower............ 104,198 7,559.28
.............. .............. Middle........... 131,118 9,512.28
.............. .............. Upper............ 207,502 15,053.64
1993 7.375 Lower............ 92,655 6,143.52
.............. .............. Middle........... 118,911 7,884.36
.............. .............. Upper............ 204,264 13,543.68
1994 8.688 Lower............ 90,963 6,831.24
.............. .............. Middle........... 167,349 12,567.72
.............. .............. Upper............ 214,030 16,073.40
1996 6.896 Lower............ 109,369 6,912.12
.............. .............. Middle........... 222,845 14,083.80
.............. .............. Upper............ 224,792 14,206.80
Washington, DC (VA).......... 1986 10.250 Lower............ 70,857 6,095.52
.............. .............. Middle........... 79,954 6,878.16
.............. .............. Upper............ 132,568 11,404.20
1987 10.125 Lower............ 76,526 6,515.04
.............. .............. Middle........... 86,350 7,351.44
.............. .............. Upper............ 143,173 12,189.00
1988 10.500 Lower............ 83,413 7,324.92
.............. .............. Middle........... 94,122 8,265.36
.............. .............. Upper............ 156,059 13,704.36
1989 9.500 Lower............ 90,086 7,271.88
.............. .............. Middle........... 101,652 8,205.60
.............. .............. Upper............ 168,544 13,605.24
1990 10.000 Lower............ 97,293 8,196.60
.............. .............. Middle........... 109,784 9,249.00
.............. .............. Upper............ 182,028 15,335.28
1991 8.938 Lower............ 103,462 7,947.48
.............. .............. Middle........... 117,650 9,037.44
.............. .............. Upper............ 187,000 14,364.60
1992 8.250 Lower............ 100,103 7,219.56
.............. .............. Middle........... 126,315 9,110.04
.............. .............. Upper............ 182,810 13,184.52
1993 7.500 Lower............ 94,905 6,370.44
.............. .............. Middle........... 126,874 8,516.40
.............. .............. Upper............ 181,705 12,196.92
1994 8.698 Lower............ 99,657 7,490.88
[[Page 14248]]
.............. .............. Middle........... 167,876 12,618.72
.............. .............. Upper............ 228,191 17,152.44
1996 7.083 Lower............ 108,327 6,976.80
.............. .............. Middle........... 169,472 10,914.84
.............. .............. Upper............ 206,918 13,326.60
----------------------------------------------------------------------------------------------------------------
*Principal and interest assumes 80 financing.
Appendix 11.--Historical Housing Data
----------------------------------------------------------------------------------------------------------------
Lower Middle Upper
Year Weights amounts Subtotal amounts Subtotal amounts Subtotal
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
1986.................... 6.31 7,411.56 467.67 9,856.32 621.93 12,071.28 761.70
1987.................... 6.77 6,469.56 437.99 8,715.12 590.01 10,398.36 703.97
1988.................... 8.19 6,517.44 533.78 8,895.60 728.55 10,291.08 842.84
1989.................... 7.03 6,235.80 438.38 8,628.72 606.60 10,390.20 730.43
1990.................... 7.72 5,229.00 403.68 7,490.40 578.26 9,874.32 762.30
1992.................... 8.32 5,074.92 422.23 7,430.88 618.25 10,767.84 895.88
1993.................... 10.08 5,053.92 509.44 7,061.88 711.84 9,324.48 939.91
1994.................... 12.92 4,906.92 633.97 6,733.56 869.98 8,478.60 1,095.44
1995.................... 13.78 6,218.76 856.95 7,622.76 1,050.42 10,048.80 1,384.72
1996.................... 18.88 5,409.96 1,021.40 7,287.24 1,375.83 9,034.68 1,705.75
-------------
Totals................ 100.00 .......... 5,725.49 .......... 7,751.67 .......... 9,822.94
=============
Fairbanks, AK:
1986.................... 6.31 6,654.00 419.87 8,654.40 546.09 11,811.36 745.30
1987.................... 6.77 5,736.24 388.34 7,821.72 529.53 10,526.64 712.65
1988.................... 8.19 5,681.28 465.30 8,183.52 670.23 10,842.24 887.98
1989.................... 7.03 5,313.96 373.57 8,164.32 573.95 10,627.44 747.11
1990.................... 7.72 4,353.24 336.07 7,193.40 555.33 9,217.08 711.56
1992.................... 8.32 5,472.84 455.34 7,832.52 651.67 10,582.44 880.46
1993.................... 10.08 4,953.84 499.35 7,233.36 729.12 8,253.24 831.93
1994.................... 12.92 5,184.60 669.85 7,649.64 988.33 8,685.72 1,122.20
1995.................... 13.78 5,186.76 714.74 6,337.80 873.35 8,157.48 1,124.10
1996.................... 18.88 4,716.12 890.40 5,990.76 1,131.06 7,493.16 1,414.71
-------------
Totals................ 100.00 .......... 5,212.83 .......... 7,248.66 .......... 9,178.00
=============
Juneau, AK:
1986.................... 6.31 7,650.60 482.75 9,038.28 570.32 10,708.92 675.73
1987.................... 6.77 6,699.96 453.59 8,052.36 545.14 9,652.44 653.47
1988.................... 8.19 6,712.68 549.77 8,235.96 674.53 9,999.84 818.99
1989.................... 7.03 6,352.08 446.55 7,966.68 560.06 9,799.20 688.88
1990.................... 7.72 6,746.88 520.86 8,536.08 658.99 10,609.08 819.02
1992.................... 8.32 6,911.04 575.00 8,836.68 735.21 11,300.76 940.22
1993.................... 10.08 6,241.92 629.19 8,234.04 829.99 9,568.08 964.46
1994.................... 12.92 6,307.32 814.91 7,974.72 1,030.33 9,564.36 1,235.72
1995.................... 13.78 7,681.80 1,058.55 10,358.16 1,427.35 12,231.48 1,685.50
1996.................... 18.88 7,389.72 1,395.18 9,298.44 1,755.55 10,963.20 2,069.85
-------------
Totals................ 100.00 .......... 6,926.35 .......... 8,787.47 .......... 10,551.84
=============
Nome, AK:
1986.................... 6.31 7,081.56 446.85 9,364.80 590.92 11,266.80 710.94
1987.................... 6.77 6,497.04 439.85 8,591.76 581.66 10,335.96 699.74
1988.................... 8.19 6,916.56 566.47 9,146.76 749.12 11,004.24 901.25
1989.................... 7.03 7,039.56 494.88 9,309.36 654.45 11,199.96 787.36
1990.................... 7.72 6,348.96 490.14 8,396.16 648.18 10,101.12 779.81
1992.................... 8.32 5,492.04 456.94 7,531.32 626.61 9,454.68 786.63
1993.................... 10.08 4,023.96 405.62 5,518.08 556.22 6,927.36 698.28
1994.................... 12.92 5,596.56 723.08 7,674.60 991.56 9,634.68 1,244.80
1995.................... 13.78 6,101.16 840.74 8,812.80 1,214.40 11,524.44 1,588.07
1996.................... 18.88 5,229.48 987.33 7,707.60 1,455.19 9,003.84 1,699.92
-------------
Totals................ 100.00 .......... 5,851.90 .......... 8,068.31 .......... 9,896.80
=============
Honolulu, HI:
1986.................... 6.31 8,364.24 527.78 11,549.52 728.77 13,292.04 838.73
1987.................... 6.77 9,373.08 634.56 13,735.56 929.90 16,582.92 1,122.66
[[Page 14249]]
1988.................... 8.19 10,828.56 886.86 16,620.48 1,361.22 20,758.44 1,700.12
1989.................... 7.03 13,555.68 952.96 21,025.20 1,478.07 23,124.36 1,625.64
1990.................... 7.72 18,591.24 1,435.24 28,835.52 2,226.10 32,628.12 2,518.89
1991.................... 8.32 16,168.56 1,345.22 24,268.44 2,019.13 28,947.12 2,408.40
1992.................... 10.08 15,064.80 1,518.53 23,500.44 2,368.84 25,907.28 2,611.45
1993.................... 12.92 13,067.40 1,688.31 21,195.60 2,738.47 24,248.52 3,132.91
1994.................... 13.78 20,041.44 2,761.71 26,388.00 3,636.27 31,400.76 4,327.02
1996.................... 18.88 14,606.04 2,757.62 20,374.32 3,846.67 25,510.44 4,816.37
-------------
Totals................ 100.00 .......... 14,508.79 .......... 21,333.44 .......... 25,102.19
=============
Hilo, HI:
1986.................... 6.31 4,340.76 273.90 6,193.44 390.81 8,411.88 530.79
1987.................... 6.77 5,166.00 349.74 7,143.24 483.60 9,221.88 624.32
1988.................... 8.19 6,254.28 512.23 8,444.88 691.64 10,459.92 856.67
1989.................... 7.03 6,795.60 477.73 9,006.24 633.14 10,777.32 757.65
1990.................... 7.72 5,825.16 449.70 9,361.44 722.70 14,132.52 1,091.03
1991.................... 8.32 10,474.44 871.47 14,114.28 1,174.31 15,934.20 1,325.73
1992.................... 10.08 9,319.32 939.39 11,611.68 1,170.46 14,103.60 1,421.64
1993.................... 12.92 8,269.20 1,068.38 11,195.28 1,446.43 13,065.96 1,688.12
1994.................... 13.78 9,124.68 1,257.38 12,927.72 1,781.44 15,604.32 2,150.28
1996.................... 18.88 7,392.84 1,395.77 10,519.92 1,986.16 11,741.76 2,216.84
-------------
Totals................ 100.00 .......... 7,595.69 .......... 10,480.69 .......... 12,663.07
=============
Kailua Kona, HI:
1986.................... 6.31 6,632.28 418.50 9,255.84 584.04 10,314.60 650.85
1987.................... 6.77 7,725.36 523.01 10,637.76 720.18 12,194.52 825.57
1988.................... 8.19 9,202.80 753.71 12,541.44 1,027.14 14,691.00 1,203.19
1989.................... 7.03 9,874.32 694.16 13,345.56 938.19 15,902.16 1,117.92
1990.................... 7.72 11,579.88 893.97 16,336.32 1,261.16 19,364.40 1,494.93
1991.................... 8.32 12,096.60 1,006.44 15,949.08 1,326.96 20,059.44 1,668.95
1992.................... 10.08 11,395.32 1,148.65 15,891.84 1,601.90 18,605.28 1,875.41
1993.................... 12.92 9,938.64 1,284.07 14,180.16 1,832.08 16,939.08 2,188.53
1994.................... 13.78 12,111.00 1,668.90 17,169.96 2,366.02 17,830.44 2,457.03
1996.................... 18.88 9,186.12 1,734.34 12,206.40 2,304.57 14,039.88 2,650.73
-------------
Totals................ 100.00 .......... 10,125.75 .......... 13,962.24 .......... 16,133.11
=============
Kauai, HI:
1986.................... 6.31 5,858.76 369.69 7,572.96 477.85 9,075.24 572.65
1987.................... 6.77 6,829.80 462.38 9,238.92 625.47 10,544.88 713.89
1988.................... 8.19 8,323.68 681.71 11,387.28 932.62 13,309.44 1,090.04
1989.................... 7.03 9,090.24 639.04 12,541.56 881.67 15,622.32 1,098.25
1990.................... 7.72 15,256.80 1,177.82 20,116.80 1,553.02 25,451.04 1,964.82
1991.................... 8.32 13,617.12 1,132.94 17,957.16 1,494.04 22,714.08 1,889.81
1992.................... 10.08 12,245.28 1,234.32 15,797.28 1,592.37 19,524.96 1,968.12
1993.................... 12.92 11,122.08 1,436.97 14,349.12 1,853.91 17,734.08 2,291.24
1994.................... 13.78 12,995.64 1,790.80 17,677.20 2,435.92 20,287.08 2,795.56
1996.................... 18.88 11,251.32 2,124.25 14,510.28 2,739.54 16,859.40 3,183.05
-------------
Totals................ 100.00 .......... 11,049.92 .......... 14,586.41 .......... 17,567.43
=============
Maui, HI:
1986.................... 6.31 7,892.64 498.03 10,472.52 660.82 13,169.76 831.01
1987.................... 6.77 8,717.40 590.17 11,639.40 787.99 14,637.24 990.94
1988.................... 8.19 11,071.92 906.79 14,691.00 1,203.19 18,474.84 1,513.09
1989.................... 7.03 13,293.84 934.56 17,639.04 1,240.02 22,182.12 1,559.40
1990.................... 7.72 14,976.36 1,156.17 19,871.64 1,534.09 24,989.64 1,929.20
1991.................... 8.32 16,453.68 1,368.95 21,831.36 1,816.37 27,454.80 2,284.24
1992.................... 10.08 14,820.00 1,493.86 19,667.88 1,982.52 24,728.76 2,492.66
1993.................... 12.92 11,648.28 1,504.96 16,523.40 2,134.82 20,104.56 2,597.51
1994.................... 13.78 14,320.32 1,973.34 19,936.08 2,747.19 22,152.12 3,052.56
1996.................... 18.88 12,299.64 2,322.17 16,643.88 3,142.36 18,083.76 3,414.21
-------------
Totals................ 100.00 .......... 12,749.00 .......... 17,249.37 .......... 20,664.82
=============
Guam:
1986.................... 6.31 5,622.84 354.80 6,855.36 432.57 14,657.40 924.88
1987.................... 6.77 6,505.08 440.39 7,979.40 540.21 16,409.16 1,110.90
1988.................... 8.19 7,704.36 630.99 9,500.64 778.10 18,950.76 1,552.07
1989.................... 7.03 8,145.12 572.60 10,089.48 709.29 19,620.72 1,379.34
[[Page 14250]]
1990.................... 7.72 9,060.24 699.45 11,253.60 868.78 21,448.32 1,655.81
1991.................... 8.32 9,662.04 803.88 12,001.08 998.49 22,873.20 1,903.05
1992.................... 10.08 10,554.60 1,063.90 13,109.88 1,321.48 24,986.28 2,518.62
1993.................... 12.92 9,954.48 1,286.12 13,017.84 1,681.90 17,811.36 2,301.23
1994.................... 13.78 11,290.32 1,555.81 15,925.44 2,194.53 20,674.56 2,848.95
1996.................... 18.88 9,100.80 1,718.23 12,534.36 2,366.49 15,616.08 2,948.32
-------------
Totals................ 100.00 .......... 9,126.17 .......... 11,891.84 .......... 19,143.17
=============
Puerto Rico:
1986.................... 6.31 4,845.24 305.73 5,934.84 374.49 8,590.32 542.05
1987.................... 6.77 5,346.36 361.95 6,548.64 443.34 9,478.80 641.71
1988.................... 8.19 5,837.04 478.05 7,149.48 585.54 10,348.44 847.54
1989.................... 7.03 6,165.48 433.43 7,551.84 530.89 10,632.72 747.48
1990.................... 7.72 6,782.04 523.57 8,307.00 641.30 11,696.04 902.93
1991.................... 8.32 6,324.48 526.20 7,657.68 637.12 10,777.44 896.68
1992.................... 10.08 4,438.68 447.42 6,038.88 608.72 10,830.72 1,091.74
1993.................... 12.92 3,970.44 512.98 5,438.28 702.63 9,822.96 1,269.13
1994.................... 13.78 5,048.16 695.64 7,720.92 1,063.94 10,847.64 1,494.80
1996.................... 18.88 4,813.92 908.87 7,413.96 1,399.76 11,627.40 2,195.25
-------------
Totals................ 100.00 .......... 5,193.84 .......... 6,987.73 .......... 10,629.31
=============
St. Croix, VI:
1986.................... 6.31 4,214.88 265.96 5,461.80 344.64 9,267.60 584.79
1987.................... 6.77 5,346.12 361.93 6,927.72 469.01 11,754.96 795.81
1988.................... 8.19 6,522.36 534.18 8,451.96 692.22 14,341.08 1,174.53
1989.................... 7.03 6,272.52 440.96 8,128.20 571.41 13,791.84 969.57
1990.................... 7.72 7,544.28 582.42 9,776.28 754.73 16,588.32 1,280.62
1991.................... 8.32 7,336.32 610.38 9,505.80 790.88 16,129.80 1,342.00
1992.................... 10.08 8,365.68 843.26 12,258.96 1,235.70 15,178.68 1,530.01
1993.................... 12.92 8,242.44 1,064.92 12,708.00 1,641.87 14,155.92 1,828.94
1994.................... 13.78 6,024.00 830.11 9,966.84 1,373.43 16,344.96 2,252.34
1996.................... 18.88 6,691.32 1,263.32 9,680.88 1,827.75 14,017.44 2,646.49
-------------
Totals................ 100.00 .......... 6,797.44 .......... 9,701.64 .......... 14,405.10
=============
St. Thomas, VI:
1986.................... 6.31 7,916.40 499.52 10,016.52 632.04 11,955.24 754.38
1987.................... 6.77 10,231.80 692.69 12,946.44 876.47 15,452.28 1,046.12
1988.................... 8.19 11,961.12 979.62 15,134.40 1,239.51 18,063.60 1,479.41
1989.................... 7.03 12,301.20 864.77 15,564.84 1,094.21 18,577.32 1,305.99
1990.................... 7.72 11,422.08 881.78 14,452.32 1,115.72 17,249.64 1,331.67
1991.................... 8.32 10,916.64 908.26 15,544.80 1,293.33 18,134.28 1,508.77
1992.................... 10.08 9,959.04 1,003.87 14,181.24 1,429.47 16,543.56 1,667.59
1993.................... 12.92 10,074.00 1,301.56 14,339.88 1,852.71 16,728.48 2,161.32
1994.................... 13.78 8,290.44 1,142.42 14,798.52 2,039.24 15,204.60 2,095.19
1996.................... 18.88 9,987.00 1,885.55 14,273.16 2,694.77 13,588.08 2,565.43
-------------
Totals................ 100.00 .......... 10,160.04 .......... 14,267.47 .......... 15,915.87
=============
Washington, DC (DC):
1986.................... 6.31 5,572.56 351.63 8,534.88 538.55 14,921.04 941.52
1987.................... 6.77 6,068.52 410.84 9,722.16 658.19 16,114.68 1,090.96
1988.................... 8.19 6,702.60 548.94 11,136.48 912.08 17,765.88 1,455.03
1989.................... 7.03 6,701.52 471.12 11,474.40 806.65 17,829.00 1,253.38
1990.................... 7.72 7,325.52 565.53 11,751.84 907.24 19,671.24 1,518.62
1991.................... 8.32 7,116.12 592.06 11,416.08 949.82 19,112.40 1,590.15
1992.................... 10.08 6,589.32 664.20 9,233.04 930.69 17,500.56 1,764.06
1993.................... 12.92 6,190.80 799.85 7,626.48 985.34 19,000.56 2,454.87
1994.................... 13.78 6,170.04 850.23 7,851.72 1,081.97 22,922.64 3,158.74
1996.................... 18.88 4,972.20 938.75 7,503.12 1,416.59 19,743.24 3,727.52
-------------
Totals................ 100.00 .......... 6,193.15 .......... 9,187.12 .......... 18,954.85
=============
Washington, DC (MD):
1986.................... 6.31 5,164.08 325.85 7,996.56 504.58 9,514.44 600.36
1987.................... 6.77 5,621.64 380.59 8,705.04 589.33 10,357.56 701.21
1988.................... 8.19 6,370.68 521.76 9,865.20 807.96 11,737.80 961.33
1989.................... 7.03 6,854.04 481.84 10,613.64 746.14 12,628.44 887.78
1990.................... 7.72 7,460.28 575.93 11,552.28 891.84 13,745.28 1,061.14
1991.................... 8.32 7,059.48 587.35 10,931.88 909.53 12,835.80 1,067.94
[[Page 14251]]
1992.................... 10.08 7,559.28 761.98 9,512.28 958.84 15,053.64 1,517.41
1993.................... 12.92 6,143.52 793.74 7,884.36 1,018.66 13,543.68 1,749.84
1994.................... 13.78 6,831.24 941.34 12,567.72 1,731.83 16,073.40 2,214.91
1996.................... 18.88 6,912.12 1,305.01 14,083.80 2,659.02 14,206.80 2,682.24
-------------
Totals................ 100.00 .......... 6,675.39 .......... 10,817.73 .......... 13,444.16
=============
Washington, DC (VA):
1986.................... 6.31 6,095.52 384.63 6,878.16 434.01 11,404.20 719.61
1987.................... 6.77 6,515.04 441.07 7,351.44 497.69 12,189.00 825.20
1988.................... 8.19 7,324.92 599.91 8,265.36 676.93 13,704.36 1,122.39
1989.................... 7.03 7,271.88 511.21 8,205.60 576.85 13,605.24 956.45
1990.................... 7.72 8,196.60 632.78 9,249.00 714.02 15,335.28 1,183.88
1991.................... 8.32 7,947.48 661.23 9,037.44 751.92 14,364.60 1,195.13
1992.................... 10.08 7,219.56 727.73 9,110.04 918.29 13,184.52 1,329.00
1993.................... 12.92 6,370.44 823.06 8,516.40 1,100.32 12,196.92 1,575.84
1994.................... 13.78 7,490.88 1,032.24 12,618.72 1,738.86 17,152.44 2,363.61
1996.................... 18.88 6,976.80 1,317.22 10,914.84 2,060.72 13,326.60 2,516.06
-------------
Totals................ 100.00 .......... 7,131.08 .......... 9,469.61 .......... 13,787.17
----------------------------------------------------------------------------------------------------------------
Appendix 12.--Summary of Rental Analyses
--------------------------------------------------------------------------------------------------------------------------------------------------------
1996 Data medians
-----------------------------------------------------------------------------------------------
B&NB Non-Brkr Broker
-----------------------------------------------------------------------------------------------
# $ # $ # $
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Low................................................. 126 $525 117 $550 9 $500
Middle.............................................. 216 650 207 650 9 650
High................................................ 143 1,013 113 1,000 30 1,025
Fairbanks, AK:
Low................................................. 106 531 98 525 8 537
Middle.............................................. 173 672 165 650 8 694
High................................................ 216 866 198 850 18 882
Juneau, AK:
Low................................................. 43 725 34 750 9 700
Middle.............................................. 58 875 49 900 9 850
High................................................ 83 1,238 65 1,250 18 1,225
Nome, AK:
Low................................................. 6 638 2 625 4 650
Middle.............................................. 8 869 4 875 4 863
High................................................ 10 994 4 1,000 6 988
Honolulu, HI:
Low................................................. 226 775 208 750 18 800
Middle.............................................. 125 948 107 895 18 1,000
High................................................ 333 1,263 297 1,150 36 1,375
Hilo, HI:
Low................................................. 40 463 31 400 9 525
Middle.............................................. 40 575 31 475 9 675
High................................................ 147 713 129 650 18 775
Kailua Kona, HI:
Low................................................. 125 664 116 625 9 703
Middle.............................................. 104 730 95 635 9 825
High................................................ 142 1,029 124 990 18 1,068
Kauai, HI:
Low................................................. 48 563 39 525 9 600
Middle.............................................. 30 688 21 625 9 750
High................................................ 392 881 374 800 18 963
Maui, HI:
Low................................................. 155 650 146 650 9 650
Middle.............................................. 134 763 125 725 9 800
High................................................ 555 950 537 900 18 1,000
Guam:
Low................................................. 51 650 42 600 9 700
Middle.............................................. 103 888 94 750 9 1,025
High................................................ 153 1,075 135 1,000 18 1,150
Puerto Rico:
Low................................................. 30 593 12 499 18 688
[[Page 14252]]
Middle.............................................. 40 966 22 808 18 1,125
High................................................ 53 1,525 19 1,550 34 1,500
St. Croix, VI:
Low................................................. 37 525 28 450 9 600
Middle.............................................. 36 700 27 600 9 800
High................................................ 47 925 29 650 18 1,200
St. Thomas, VI:
Low................................................. 39 775 30 700 9 850
Middle.............................................. 34 975 25 850 9 1,100
High................................................ 28 1,463 10 1,400 18 1,525
Washington, DC (DC)
Low................................................. 253 438 244 425 9 450
Middle.............................................. 186 573 177 595 9 550
High................................................ 140 1,275 122 1,000 18 1,550
Washington, DC (MD)
Low................................................. 77 545 68 540 9 550
Middle.............................................. 127 678 118 655 9 700
High................................................ 120 1,113 102 1,075 18 1,150
Washington, DC (VA)
Low................................................. 42 628 33 605 9 650
Middle.............................................. 226 862 217 823 9 900
High................................................ 157 1,188 139 1,125 18 1,250
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appendix 13--Housing Cost Analysis
[1996 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------------------------------------
Lower income Middle income Upper income
-----------------------------------------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Maintenance......................................... $317 .............. $373 .............. $429 ..............
Insurance........................................... 286 $101 316 $101 359 $109
Utilities........................................... 2,226 1,955 2,565 2,226 2,903 2,384
Real estate taxes................................... 1,509 .............. 1,850 .............. 2,439 ..............
Housing............................................. 5,725 6,300 7,752 7,800 9,823 12,156
-----------------
Total annual cost............................... 10,063 8,356 12,856 10,127 15,953 14,649
=================
Fairbanks, AK:
Maintenance......................................... 375 .............. 442 .............. 508 ..............
Insurance........................................... 260 120 282 120 306 131
Utilities........................................... 2,651 2,325 3,057 2,651 3,464 2,840
Real estate taxes................................... 1,110 .............. 1,398 .............. 1,854 ..............
Housing............................................. 5,213 6,372 7,249 8,064 9,178 10,392
-----------------
Total annual cost............................... 9,609 8,817 12,428 10,835 15,310 13,363
=================
Juneau, AK:
Maintenance......................................... 366 .............. 431 .............. 496 ..............
Insurance........................................... 266 123 271 123 311 129
Utilities........................................... 2,563 2,246 2,959 2,563 3,355 2,748
Real estate taxes................................... 1,344 .............. 1,812 .............. 2,139 ..............
Housing............................................. 6,926 8,700 8,787 10,500 10,552 14,856
-----------------
Total annual cost............................... 11,465 11,069 14,260 13,186 16,853 17,733
=================
Nome, AK:
Maintenance......................................... 379 .............. 446 .............. 513 ..............
Insurance........................................... 337 147 423 147 473 154
Utilities........................................... 3,687 3,210 4,284 3,687 4,882 3,966
Real estate taxes................................... 878 .............. 1,269 .............. 1,659 ..............
Housing............................................. 5,852 7,656 8,068 10,428 9,897 11,928
-----------------
Total annual cost............................... 11,133 11,013 14,490 14,262 17,424 16,048
=================
[[Page 14253]]
Honolulu, HI:
Maintenance......................................... 422 .............. 497 .............. 571 ..............
Insurance........................................... 694 397 971 399 1,325 466
Utilities........................................... 1,768 1,576 2,008 1,768 2,247 1,880
Real estate taxes................................... 678 .............. 974 .............. 1,222 ..............
Housing............................................. 14,509 9,300 21,333 11,376 25,102 15,156
-----------------
Total annual cost............................... 18,071 11,273 25,783 13,543 30,467 17,502
=================
Hilo, HI:
Maintenance......................................... 458 .............. 539 .............. 619 ..............
Insurance........................................... 781 579 808 579 821 732
Utilities........................................... 1,956 1,735 2,232 1,956 2,507 2,085
Real estate taxes................................... 332 .............. 545 .............. 695 ..............
Housing............................................. 7,596 5,556 10,481 6,900 12,663 8,556
-----------------
Total annual cost............................... 11,123 7,870 14,605 9,435 17,305 11,373
=================
Kailua Kona, HI:
Maintenance......................................... 425 .............. 500 .............. 574 ..............
Insurance........................................... 786 625 817 625 874 732
Utilities........................................... 1,956 1,735 2,232 1,956 2,507 2,085
Real estate taxes................................... 499 .............. 782 .............. 819 ..............
Housing............................................. 10,126 7,968 13,962 8,760 16,133 12,348
-----------------
Total annual cost............................... 13,792 10,328 18,293 11,341 20,907 15,165
=================
Kauai County, HI:
Maintenance......................................... 369 .............. 434 .............. 499 ..............
Insurance........................................... 811 579 1,006 579 1,279 705
Utilities........................................... 1,988 1,761 2,270 1,988 2,553 2,119
Real estate taxes................................... 462 .............. 675 .............. 793 ..............
Housing............................................. 11,050 6,756 14,586 8,256 17,567 10,572
-----------------
Total annual cost............................... 14,680 9,096 18,971 10,823 22,691 13,396
=================
Maui County, HI:
Maintenance......................................... 463 .............. 544 .............. 626 ..............
Insurance........................................... 597 610 778 610 854 732
Utilities........................................... 1,671 1,489 1,898 1,671 2,124 1,777
Real estate taxes................................... 490 .............. 737 .............. 835 ..............
Housing............................................. 12,749 7,800 17,249 9,156 20,665 11,400
-----------------
Total annual cost............................... 15,970 9,899 21,206 11,437 25,104 13,909
=================
Guam:
Maintenance......................................... 553 .............. 650 .............. 748 ..............
Insurance........................................... 1,398 388 1,930 386 2,320 459
Utilities........................................... 1,962 1,785 2,184 1,962 2,406 2,066
Real estate taxes................................... 391 .............. 527 .............. 741 ..............
Housing............................................. 9,126 7,800 11,892 10,656 19,143 12,900
-----------------
Total annual cost............................... 13,430 9,973 17,183 13,004 25,358 15,425
=================
Puerto Rico:
Maintenance......................................... 167 .............. 197 .............. 227 ..............
Insurance........................................... 402 239 614 239 1,001 273
Utilities........................................... 1,075 975 1,201 1,075 1,326 1,134
Real estate taxes................................... 0 .............. 9 .............. 627 ..............
Housing............................................. 5,194 7,116 6,988 11,592 10,629 18,300
-----------------
Total annual cost............................... 6,838 8,330 9,009 12,906 13,810 19,707
=================
St. Croix, VI:
Maintenance......................................... 343 .............. 404 .............. 464 ..............
Insurance........................................... 1,838 850 2,632 850 3,617 1,020
Utilities........................................... 1,881 1,665 2,151 1,881 2,420 2,007
Real estate taxes................................... 393 .............. 773 .............. 1,388 ..............
[[Page 14254]]
Housing............................................. 6,797 6,300 9,702 8,400 14,405 11,100
-----------------
Total annual cost............................... 11,252 8,815 15,662 11,131 22,294 14,127
=================
St. Thomas, VI:
Maintenance......................................... 310 .............. 365 .............. 420 ..............
Insurance........................................... 2,684 625 3,717 625 3,803 1,020
Utilities........................................... 1,881 1,665 2,151 1,881 2,420 2,007
Real estate taxes................................... 612 .............. 1,239 .............. 1,278 ..............
Housing............................................. 10,160 9,300 14,267 11,700 15,916 17,556
-----------------
Total annual cost............................... 15,647 11,590 21,739 14,206 23,837 20,583
=================
Washington, DC (DC):
Maintenance......................................... 329 .............. 387 .............. 445 ..............
Insurance........................................... 199 107 274 107 685 125
Utilities........................................... 2,037 1,795 2,341 2,037 2,644 2,179
Real estate taxes................................... 474 .............. 722 .............. 2,851 ..............
Housing............................................. 6,193 5,256 9,187 6,876 18,955 15,300
-----------------
Total annual cost............................... 9,232 7,158 12,911 9,020 25,580 17,604
=================
Washington, DC (MD):
Maintenance......................................... 329 .............. 387 .............. 445 ..............
Insurance........................................... 227 96 225 96 238 105
Utilities........................................... 1,855 1,645 2,118 1,855 2,382 1,978
Real estate taxes................................... 1,237 .............. 1,811 .............. 2,758 ..............
Housing............................................. 6,675 6,540 10,818 8,136 13,444 13,356
-----------------
Total annual cost............................... 10,323 8,281 15,359 10,087 19,267 15,439
=================
Washington, DC (VA):
Maintenance......................................... 329 .............. 387 .............. 445 ..............
Insurance........................................... 175 92 202 91 228 104
Utilities........................................... 2,062 1,821 2,363 2,062 2,664 2,202
Real estate taxes................................... 1,369 .............. 1,964 .............. 2,718 ..............
Housing............................................. 7,131 7,536 9,470 10,344 13,787 14,256
-----------------
Total annual cost............................... 11,066 9,449 14,386 12,497 19,842 16,562
--------------------------------------------------------------------------------------------------------------------------------------------------------
Housing Cost Analysis--Composites
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------------------------
Location Weights Lower income Middle income Upper income
-----------------------------------------------------------------
Owner Renter Owner Renter Owner Renter
----------------------------------------------------------------------------------------------------------------
Hilo, HI........................... 82.88 $11,123 $7,870 $14,605 $9,435 $17,305 $11,373
Kailua Kona, HI.................... 17.12 13,792 10,328 18,293 11,341 20,907 15,165
------------
Total weight................... 100.00 ......... ......... ......... ......... ......... .........
------------
Hawaii County, HI............. ......... 11,580 8,291 15,236 9,761 17,922 12,022
============
St. Croix, VI...................... 46.42 11,252 8,815 15,662 11,131 22,294 14,127
St. Thomas, VI..................... 53.58 15,647 11,590 21,739 14,206 23,837 20,583
------------
Total weight................... 100.00 ......... ......... ......... ......... ......... .........
------------
Virgin Islands................ ......... 13,607 10,302 18,918 12,779 23,121 17,586
============
Washington, DC, DC................. 33.34 9,232 7,158 12,911 9,020 25,580 17,604
Washington, DC, MD................. 33.33 10,323 8,281 15,359 10,087 19,267 15,439
Washington, DC, VA................. 33.33 11,066 9,449 14,386 12,497 19,842 16,562
------------
[[Page 14255]]
Total weight................... 100.00 ......... ......... ......... ......... ......... .........
------------
DC area....................... ......... 10,207 8,296 14,219 10,535 21,563 16,535
----------------------------------------------------------------------------------------------------------------
Appendix 14--Housing Analysis
[1996 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Owners Renters
-----------------------------------------------------------------------------------------------
Total annual Total cost DC Total annual Total cost DC
cost area Index cost area Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Lower income........................................ $10,063 $10,207 98.59 $8,356 $8,296 100.72
Middle income....................................... 12,856 14,219 90.41 10,127 10,535 96.13
Upper income........................................ 15,953 21,563 73.98 14,649 16,535 88.59
-----------------
Fairbanks, AK:
Lower income........................................ 9,609 10,207 94.14 8,817 8,296 106.28
Middle income....................................... 12,428 14,219 87.40 10,835 10,535 102.85
Upper income........................................ 15,310 21,563 71.00 13,363 16,535 80.82
-----------------
Juneau, AK:
Lower income........................................ 11,465 10,207 112.32 11,069 8,296 133.43
Middle income....................................... 14,260 14,219 100.29 13,186 10,535 125.16
Upper income........................................ 16,853 21,563 78.16 17,733 16,535 107.25
-----------------
Nome, AK:
Lower income........................................ 11,133 10,207 109.07 11,013 8,296 132.75
Middle income....................................... 14,490 14,219 101.91 14,262 10,535 135.38
Upper income........................................ 17,424 21,563 80.81 16,048 16,535 97.05
-----------------
Honolulu, HI:
Lower income........................................ 18,071 10,207 177.05 11,273 8,296 135.88
Middle income....................................... 25,783 14,219 181.33 13,543 10,535 128.55
Upper income........................................ 30,467 21,563 141.29 17,502 16,535 105.85
-----------------
Hawaii County, HI:
Lower income........................................ 11,580 10,207 113.45 8,291 8,296 99.94
Middle income....................................... 15,236 14,219 107.15 9,761 10,535 92.65
Upper income........................................ 17,922 21,563 83.11 12,022 16,535 72.71
-----------------
Kauai County, HI:
Lower income........................................ 14,680 10,207 143.82 9,096 8,296 109.64
Middle income....................................... 18,971 14,219 133.42 10,823 10,535 102.73
Upper income........................................ 22,691 21,563 105.23 13,396 16,535 81.02
-----------------
Maui County, HI:
Lower income........................................ 15,970 10,207 156.46 9,899 8,296 119.32
Middle income....................................... 21,206 14,219 149.14 11,437 10,535 108.56
Upper income........................................ 25,104 21,563 116.42 13,909 16,535 84.12
-----------------
Guam:
Lower income........................................ 13,430 10,207 131.58 9,973 8,296 120.21
Middle income....................................... 17,183 14,219 120.85 13,004 10,535 123.44
Upper income........................................ 25,358 21,563 117.60 15,425 16,535 93.29
-----------------
Puerto Rico:
Lower income........................................ 6,838 10,207 66.99 8,330 8,296 100.41
Middle income....................................... 9,009 14,219 63.36 12,906 10,535 122.51
Upper income........................................ 13,810 21,563 64.04 19,707 16,535 119.18
-----------------
Virgin Islands:
Lower income........................................ 13,607 10,207 133.31 10,302 8,296 124.18
Middle income....................................... 18,918 14,219 133.05 12,779 10,535 121.30
Upper income........................................ 23,121 21,563 107.23 17,586 16,535 106.36
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 14256]]
Appendix 15--Private Transportation Cost Analysis
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Annual costs
-----------------------------------------------
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
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Fuel........................................................ $1,016 $1,524 $1,905
Maintenance/oil............................................. 921 917 859
Tires....................................................... 94 124 129
License and registration.................................... 38 38 38
Miscellaneous tax........................................... 50 50 50
Depreciation................................................ 1,975 3,430 2,753
Finance expense............................................. 614 845 934
Insurance................................................... 1,401 1,146 1,349
-----------------
Total annual cost....................................... 6,109 8,074 8,017
=================
Fairbanks, AK:
Fuel........................................................ 971 1,456 1,820
Maintenance/oil............................................. 817 760 797
Tires....................................................... 103 135 139
License and registration.................................... 38 38 38
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,782 3,622 2,657
Finance expense............................................. 787 936 962
Insurance................................................... 1,307 1,103 1,461
-----------------
Total annual cost....................................... 6,805 8,050 7,874
=================
Juneau, AK:
Fuel........................................................ 926 1,388 1,735
Maintenance/oil............................................. 850 786 827
Tires....................................................... 106 138 131
License and registration.................................... 38 38 38
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,373 3,195 2,554
Finance expense............................................. 695 830 927
Insurance................................................... 831 730 1,056
-----------------
Total annual cost....................................... 5,819 7,105 7,268
=================
Nome, AK:
Fuel........................................................ 1,300 1,950 2,438
Maintenance/oil............................................. 749 746 822
Tires....................................................... 128 177 166
License and registration.................................... 38 38 38
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,710 4,242 3,736
Finance expense............................................. 650 877 966
Insurance................................................... 1,001 937 1,251
-----------------
Total annual cost....................................... 6,576 8,967 9,417
=================
Honolulu, HI:
Fuel........................................................ 805 1,208 1,510
Maintenance/oil............................................. 413 447 475
Tires....................................................... 111 134 164
License and registration.................................... 81 96 110
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,432 3,087 2,983
Finance expense............................................. 792 913 1,121
Insurance................................................... 2,100 2,150 2,608
-----------------
Total annual cost....................................... 6,734 8,035 8,971
=================
Hilo, HI:
Fuel........................................................ 846 1,269 1,586
Maintenance/oil............................................. 470 473 509
Tires....................................................... 109 156 128
License and registration.................................... 51 65 74
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,635 3,105 3,534
Finance expense............................................. 823 909 1,212
[[Page 14257]]
Insurance................................................... 2,349 2,064 2,410
-----------------
Total annual cost....................................... 7,283 8,041 9,453
=================
Kailua Kona, HI:
Fuel........................................................ 925 1,387 1,734
Maintenance/oil............................................. 498 449 477
Tires....................................................... 86 164 105
License and registration.................................... 51 65 74
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,747 3,212 3,456
Finance expense............................................. 900 992 1,279
Insurance................................................... 2,348 2,064 2,421
-----------------
Total annual cost....................................... 7,555 8,333 9,546
=================
Kauai, HI:
Fuel........................................................ 856 1,284 1,606
Maintenance/oil............................................. 524 491 519
Tires....................................................... 104 155 159
License and registration.................................... 54 66 76
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,934 4,005 4,500
Finance expense............................................. 914 1,118 1,446
Insurance................................................... 2,278 2,165 2,116
-----------------
Total annual cost....................................... 7,664 9,284 10,422
=================
Maui, HI:
Fuel........................................................ 875 1,313 1,641
Maintenance/oil............................................. 557 532 560
Tires....................................................... 104 151 123
License and registration.................................... 64 75 86
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,155 3,241 3,863
Finance expense............................................. 735 934 1,271
Insurance................................................... 2,168 1,895 2,250
-----------------
Total annual cost....................................... 6,658 8,141 9,794
=================
Guam:
Fuel........................................................ 789 1,184 1,480
Maintenance/oil............................................. 515 555 573
Tires....................................................... 91 143 132
License and registration.................................... 24 28 30
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,979 4,435 3,694
Finance expense............................................. 877 1,141 1,230
Insurance................................................... 1,504 1,895 1,952
-----------------
Total annual cost....................................... 6,779 9,381 9,091
=================
Puerto Rico:
Fuel........................................................ 605 907 1,134
Maintenance/oil............................................. 337 323 346
Tires....................................................... 90 128 105
License and registration.................................... 88 88 100
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,680 3,891 3,406
Finance expense............................................. 1,063 1,346 1,521
Insurance................................................... 1,788 1,942 2,173
-----------------
Total annual cost....................................... 6,651 8,625 8,785
=================
St. Croix, VI:
Fuel........................................................ 553 830 1,037
Maintenance/oil............................................. 366 396 444
Tires....................................................... 128 191 177
[[Page 14258]]
License and registration.................................... 50 59 71
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,486 3,956 4,907
Finance expense............................................. 904 1,209 1,661
Insurance................................................... 1,943 2,854 3,473
-----------------
Total annual cost....................................... 6,430 9,495 11,770
=================
St. Thomas, VI:
Fuel........................................................ 777 1,165 1,457
Maintenance/oil............................................. 430 457 497
Tires....................................................... 85 127 97
License and registration.................................... 50 59 71
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,886 3,956 3,113
Finance expense............................................. 846 1,036 1,106
Insurance................................................... 1,565 2,451 2,511
-----------------
Total annual cost....................................... 6,639 9,251 8,852
=================
Washington, DC (DC):
Fuel........................................................ 612 918 1,147
Maintenance/oil............................................. 294 309 260
Tires....................................................... 76 91 114
License and registration.................................... 74 74 107
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,452 3,163 3,166
Finance expense............................................. 671 781 973
Insurance................................................... 1,421 1,348 1,596
-----------------
Total annual cost....................................... 5,600 6,684 7,363
=================
Washington, DC (MD):
Fuel........................................................ 614 922 1,152
Maintenance/oil............................................. 286 253 257
Tires....................................................... 78 86 98
License and registration.................................... 85 85 112
Miscellaneous tax........................................... 0 0 0
Depreciation................................................ 2,106 3,127 2,773
Finance expense............................................. 598 751 883
Insurance................................................... 1,413 1,243 1,496
-----------------
Total annual cost....................................... 5,180 6,467 6,771
=================
Washington, DC (VA):
Fuel........................................................ 568 852 1,065
Maintenance/oil............................................. 302 309 288
Tires....................................................... 76 92 98
License and registration.................................... 48 53 53
Miscellaneous tax........................................... 391 419 609
Depreciation................................................ 2,216 3,159 2,485
Finance expense............................................. 645 795 883
Insurance................................................... 755 678 758
-----------------
Total annual cost....................................... 5,001 6,357 6,239
----------------------------------------------------------------------------------------------------------------
Private Transportation Cost Analysis--Composites
[1996 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........................................ 82.88 $7,283 $8,041 $9,453
[[Page 14259]]
Kailua Kona, HI................................. 17.12 7,555 8,333 9,546
-----------------
Total weight................................ 100.00 .............. .............. ..............
-----------------
Hawaii County, HI.......................... .............. 7,330 8,091 9,469
=================
St. Croix, VI................................... 46.42 6,430 9,495 11,770
St. Thomas, VI.................................. 53.58 6,639 9,251 8,852
-----------------
Total weight................................ 100.00 .............. .............. ..............
-----------------
Virgin Islands............................. .............. 6,542 9,364 10,207
=================
Washington, DC, DC.............................. 33.34 5,600 6,684 7,363
Washington, DC, MD.............................. 33.33 5,180 6,467 6,771
Washington, DC, VA.............................. 33.33 5,001 6,357 6,239
-----------------
Total weight................................ 100.00 .............. .............. ..............
-----------------
DC area.................................... .............. 5,260 6,503 6,791
----------------------------------------------------------------------------------------------------------------
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 100/300...................... 121.50 121.50 121.50 BI 100/300......... 323.74 313.74 307.20
PD 25........................... 81.00 81.00 81.00 PD 25.............. 129.26 125.26 123.06 ......... ......... .........
Med/PIP......................... 25.00 25.00 25.00 Med/PIP............ ......... ......... ......... ......... ......... .........
UM 15/30........................ 8.00 8.00 8.00 UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100.......................... 375.00 489.50 515.00 CM 100............. 266.06 250.66 380.34 ......... ......... .........
CL 200.......................... 793.50 1,024.50 1,076.50 CL 250............. 591.40 545.14 671.06 ......... ......... .........
--------------------------------- ------------
Totals*................... 1,371.00 1,716.50 1,794.00 Totals*........ 1,310.46 1,234.80 1,481.66 104.62 139.01 121.08
MD
BI 100/300......... 351.50 344.93 333.98
PD 25.............. 135.60 133.44 128.72 ......... ......... .........
Med/PIP............ ......... ......... ......... ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 218.80 151.87 264.47 ......... ......... .........
CL 250............. 458.63 355.60 469.46 ......... ......... .........
------------
Totals*........ 1,164.53 985.84 1,196.63 117.73 174.12 149.92
VA
BI 100/300......... 210.58 211.92 199.12
PD 25.............. 86.75 87.35 81.20 ......... ......... .........
Med/PIP............ ......... ......... ......... ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 115.07 82.87 151.60 ......... ......... .........
CL 250............. 249.53 206.15 284.45 ......... ......... .........
------------
Totals*........ 661.93 588.29 716.37 207.12 291.78 250.43
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 121.50 121.50 121.50 BI 100/300......... 323.74 313.74 307.20 ......... ......... .........
PD 25........................... 81.00 81.00 81.00 PD 25.............. 129.26 125.26 123.06 ......... ......... .........
Med/PIP......................... 25.00 25.00 25.00 Med/PIP............ 39.26 41.74 43.14 ......... ......... .........
UM 100/300...................... 108.07 153.69 132.53 UM 100/300......... 71.14 71.14 71.14 74.43 98.89 86.14
CM 100.......................... 375.00 489.50 515.00 CM 100............. 266.06 250.66 380.34 ......... ......... .........
CL 200.......................... 793.50 1,024.50 1,076.50 CL 250............. 591.40 545.14 671.06 ......... ......... .........
--------------------------------- ------------
Totals**.................. 1,504.07 1,895.19 1,951.53 Totals**....... 1,420.86 1,347.68 1,595.94 ......... ......... .........
[[Page 14260]]
MD
BI 100/300......... 351.50 344.93 333.98 ......... ......... .........
PD 25.............. 135.60 133.44 128.72 ......... ......... .........
Med/PIP............ 94.71 97.24 124.94 ......... ......... .........
UM 100/300......... 124.70 124.70 124.70 146.81 217.13 186.95
CM 100............. 218.80 151.87 264.47 ......... ......... .........
CL 250............. 458.63 355.60 469.46 ......... ......... .........
------------
Totals**....... 1,383.94 1,207.78 1,446.27 ......... ......... .........
VA
BI 100/300......... 210.58 211.92 199.12 ......... ......... .........
PD 25.............. 86.75 87.35 81.20 ......... ......... .........
Med/PIP............ 36.78 39.18 41.77 ......... ......... .........
UM 100/300......... 49.71 49.71 49.71 102.96 145.04 124.49
CM 100............. 115.07 82.87 151.60 ......... ......... .........
CL 250............. 249.53 206.15 284.45 ......... ......... .........
------------
Totals**....... 748.42 677.18 807.85 ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and reference area, except for Uninsured Motorist (UM), for which equivalent coverage could
not be priced. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical or Personal Injury Protection and
Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust reference area UM premiums for
each of the reference area survey locations. These values were then averaged and used as the adjusted allowance area UM premium.
*Less Med/PIP and UM
**Including Med/PIP and UM
Auto Insurance Calculation Worksheet--Special Limits Adjustments
[Location: Puerto Rico]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--original values Reference area--special limits Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 250.34 250.34 250.34 BI 100/300......... 323.74 313.74 307.20 ......... ......... .........
PD 25........................... 110.10 110.10 110.10 PD 25.............. 129.26 125.26 123.06 ......... ......... .........
Med/PIP......................... 6.04 6.04 6.04 Med/PIP............ ......... ......... .........
UM 100/300...................... ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100.......................... 915.84 1,017.77 1,213.20 CM 100............. 266.06 250.66 380.34 ......... ......... .........
CL 250.......................... 375.68 398.54 443.86 CL 250............. 591.40 545.14 671.06 ......... ......... .........
--------------------------------- ------------
Totals*................... 1,651.96 1,776.75 2,017.50 Totals*........ 1,310.46 1,234.80 1,481.66 126.06 143.89 136.16
MD
BI 100/300......... 351.50 344.93 333.98 ......... ......... .........
PD 25.............. 135.60 133.44 128.72 ......... ......... .........
Med/pip............ ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 218.80 151.87 264.47 ......... ......... .........
CL 250............. 458.63 355.60 469.46 ......... ......... .........
------------
Totals*........ 1,164.53 985.84 1,196.63 141.86 180.23 168.60
VA
BI 100/300......... 210.58 211.92 199.12 ......... ......... .........
PD 25.............. 86.75 87.35 81.20 ......... ......... .........
Med/PIP............ ......... ......... .........
UM 100/300......... ......... ......... ......... ......... ......... .........
CM 100............. 115.07 82.87 151.60 ......... ......... .........
CL 250............. 249.53 206.15 284.45 ......... ......... .........
------------
Totals*........ 661.93 588.29 716.37 249.57 302.02 281.63
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 250.34 250.34 250.34 BI 100/300......... 323.74 313.74 307.20 ......... ......... .........
PD 25........................... 110.10 110.10 110.10 PD 25.............. 129.26 125.26 123.06 ......... ......... .........
Med/PIP......................... 6.04 6.04 6.04 Med/PIP............ 39.26 41.74 43.14 ......... ......... .........
UM 100/300...................... 130.21 159.08 149.03 UM 100/300......... 71.14 71.14 71.14 89.68 102.36 96.86
CM 100.......................... 915.84 1,017.77 1,213.20 CM 100............. 266.06 250.66 380.34 ......... ......... .........
CL 250.......................... 375.68 398.54 443.86 CL 250............. 591.40 545.14 671.06 ......... ......... .........
--------------------------------- ------------
Totals**.................. 1,788.21 1,941.87 2,172.57 Totals**....... 1,420.86 1,347.68 1,595.94 ......... ......... .........
[[Page 14261]]
MD
BI 100/300......... 351.50 344.93 333.98 ......... ......... .........
PD 25.............. 135.60 133.44 128.72 ......... ......... .........
Med/PIP............ 94.71 97.24 124.94 ......... ......... .........
UM 100/300......... 124.70 124.70 124.70 176.90 224.75 210.24
CM 100............. 218.80 151.87 264.47 ......... ......... .........
CL 250............. 458.63 355.60 469.46 ......... ......... .........
------------
Totals**....... 1,383.94 1,207.78 1,446.27 ......... ......... .........
VA
BI 100/300......... 210.58 211.92 199.12 ......... ......... .........
PD 25.............. 86.75 87.35 81.20 ......... ......... .........
Med/PIP............ 36.78 39.18 41.77 ......... ......... .........
UM 100/300......... 49.71 49.71 49.71 124.06 150.13 140.00
CM 100............. 115.07 82.87 151.60 ......... ......... .........
CL 250............. 249.53 206.15 284.45 ......... ......... .........
------------
Totals**....... 748.42 677.18 807.85 ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and reference area, except for Uninsured Motorist (UM), for which equivalent coverage could
not be priced. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical or Personal Injury Protection and
Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust reference area UM premiums for
each of the reference area survey locations. These values were then averaged and used as the adjusted allowance area UM premium.
*Less Med/PIP and UM
**Including Med/PIP and UM
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........................ 155.93 155.93 155.93 BI 25/50........... 246.40 239.74 234.40 63.28 65.04 66.52
PD 10........................... 160.96 160.96 160.96 PD 10.............. 121.26 118.60 115.14 132.74 135.72 139.80
Med/PIP......................... 40.24 40.24 40.24 Med/PIP............ ......... ......... ......... ......... ......... .........
UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... .........
CM 250/500...................... 349.59 483.89 641.83 CM 500............. 212.86 202.26 302.34 164.23 239.24 212.29
CL 500/1000..................... 736.90 1,256.49 1,661.41 CL 500............. 444.74 411.86 499.40 165.69 305.08 332.68
--------------------------------- ------------
Totals*................... 1,403.38 2,057.27 2,620.13 Totals*........ 1,025.26 972.46 1,151.28 136.88 211.55 227.58
MD
BI 25/40........... 260.66 254.47 251.56 59.82 61.28 61.99
PD 10.............. 134.08 131.43 129.01 120.05 122.47 124.77
Med/PIP............ ......... ......... ......... ......... ......... .........
UM 25/40........... ......... ......... ......... ......... ......... .........
CM 500............. 158.32 115.62 219.60 220.81 418.52 292.27
CL 500............. 372.70 292.15 436.02 197.72 430.08 381.04
------------
Totals*........ 925.76 793.67 1,036.19 151.59 259.21 252.86
VA
BI 25/50........... 155.40 156.10 146.62 100.34 99.89 106.35
PD 20.............. 86.38 86.98 80.83 186.34 185.05 199.13
Med/PIP............ ......... ......... ......... ......... ......... .........
UM 25/50........... ......... ......... ......... ......... ......... .........
CM 500............. 86.27 61.08 111.32 405.23 792.22 576.56
CL 500............. 205.38 167.85 236.30 358.80 748.58 703.09
------------
Totals*........ 533.43 472.01 575.07 263.09 435.85 455.62
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 208.81 209.04 207.71 BI 100/300......... 323.74 313.74 307.20 204.86 204.06 204.35
PD 25........................... 165.34 165.02 164.78 PD 25.............. 129.26 125.26 123.06 171.58 170.00 172.04
Med/PIP......................... 40.24 40.24 40.24 Med/PIP............ 39.26 41.74 43.14 ......... ......... .........
UM 100/300...................... 139.06 230.13 234.57 UM 100/300......... 71.14 71.14 71.14 97.38 150.50 161.90
CM 100.......................... 462.13 630.60 818.15 CM 100............. 266.06 250.66 380.34 436.95 599.68 807.42
CL 250.......................... 927.33 1,578.56 2,007.08 CL 250............. 591.40 545.14 671.06 979.89 1,663.11 2,232.48
--------------------------------- ------------
Totals**.................. 1,942.91 2,853.59 3,472.53 Totals**....... 1,420.86 1,347.68 1,595.94 1,890.66 2,787.35 3,578.19
[[Page 14262]]
MD
BI 100/300......... 351.50 344.93 333.98 210.27 211.37 207.03
PD 25.............. 135.60 133.44 128.72 162.79 163.42 160.60
Med/PIP............ 94.71 97.24 124.94 ......... ......... .........
UM 100/300......... 124.70 124.70 124.70 189.03 323.23 315.32
CM 100............. 218.80 151.87 264.47 483.13 635.61 772.97
CL 250............. 458.63 355.60 469.46 906.80 1,529.36 1,788.83
------------
Totals**....... 1,383.94 1,207.78 1,446.27 1,952.02 2,862.99 3,244.75
VA
BI 100/300......... 210.58 211.92 199.12 211.30 211.69 211.76
PD 25.............. 86.75 87.35 81.20 161.65 161.64 161.69
Med/PIP............ 36.78 39.18 41.77 ......... ......... .........
UM 100/300......... 49.71 49.71 49.71 130.78 216.66 226.49
CM 100............. 115.07 82.87 151.60 466.30 656.51 874.06
CL 250............. 249.53 206.15 284.45 895.31 1,543.20 1,999.94
------------
Totals**....... 748.42 677.18 807.85 1,865.34 2,789.70 3,473.94
--------------------------------------------------------------------------------------------------------------------------------------------------------
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 in each survey location and the results
averaged to estimate the cost of equivalent coverage in the allowance area. The exceptions are Uninsured Motorist (UM) premiums, which were adjusted
using the relative total cost of premiums (less Medical and Personal Injury Protection coverage where applicable), and Medical premiums, which were
not adjusted because they were comparable to reference area coverage.
*Less Med/PIP and UM
**Including Med/PIP and UM
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........................ 138.33 138.33 138.33 BI 25/50........... 246.40 239.74 234.40 56.14 57.70 59.01
PD 10........................... 139.33 139.33 139.33 PD 10.............. 121.26 118.60 115.14 114.90 117.48 121.01
Med/PIP......................... 38.23 38.23 38.23 Med................ ......... ......... ......... ......... ......... .........
UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... .........
CM 250/500...................... 293.75 396.87 430.57 CM 500............. 212.86 202.26 302.34 138.00 196.22 142.41
CL 500/1000..................... 555.31 1,090.00 1,182.05 CL 500............. 444.74 411.86 499.40 124.86 264.65 236.69
--------------------------------- ------------
Totals*................... 1,126.72 1,764.53 1,890.28 Totals*........ 1,025.26 972.46 1,151.28 109.90 181.45 164.19
MD
BI 25/40........... 260.66 254.47 251.56 53.07 54.36 54.99
PD 10.............. 134.08 131.43 129.01 103.92 106.01 108.00
Med................ ......... ......... ......... ......... ......... .........
UM 25/40........... ......... ......... ......... ......... ......... .........
CM 500............. 158.32 115.62 219.60 185.54 343.25 196.07
CL 500............. 372.70 292.15 436.02 149.00 373.10 271.10
------------
Totals*........ 925.76 793.67 1,036.19 121.71 222.33 182.43
VA
BI 25/50........... 155.40 156.10 146.62 89.02 88.62 94.35
PD 20.............. 86.38 86.98 80.83 161.30 160.19 172.37
Med................ ......... ......... ......... ......... ......... .........
UM 25/50........... ......... ......... ......... ......... ......... .........
CM 500............. 86.27 61.08 111.32 340.50 649.75 386.79
CL 500............. 205.38 167.85 236.30 270.38 649.39 500.23
------------
Totals*........ 533.43 472.01 575.07 211.22 373.83 328.70
--------------------------------------------------------------------------------------------------------------------------------------------------------
Allowance area--adjusted values Reference area--normal limits Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
DC
BI 100/300...................... 185.25 185.44 184.27 BI 100/300......... 323.74 313.74 307.20 181.75 181.03 181.28
PD 25........................... 143.12 142.85 142.63 PD 25.............. 129.26 125.26 123.06 148.52 147.16 148.91
Med/PIP......................... 38.23 38.23 38.23 Med/PIP............ 39.26 41.74 43.14 ......... ......... .........
UM 100/300...................... 111.65 197.39 169.23 UM 100/300......... 71.14 71.14 71.14 78.18 129.08 116.80
CM 100.......................... 388.31 517.20 548.85 CM 100............. 266.06 250.66 380.34 367.16 491.85 541.64
CL 250.......................... 698.82 1,369.39 1,427.98 CL 250............. 591.40 545.14 671.06 738.42 1,442.71 1,588.33
--------------------------------- ------------
Totals**.................. 1,565.38 2,450.50 2,511.19 Totals**....... 1,420.86 1,347.68 1,595.94 1,514.03 2,391.83 2,576.96
[[Page 14263]]
MD
BI 100/300......... 351.50 344.93 333.98 186.54 187.50 183.66
PD 25.............. 135.60 133.44 128.72 140.92 141.46 139.02
Med/PIP............ 94.71 97.24 124.94 ......... ......... .........
UM 100/300......... 124.70 124.70 124.70 151.77 277.25 227.49
CM 100............. 218.80 151.87 264.47 405.96 521.29 518.55
CL 250............. 458.63 355.60 469.46 683.36 1,326.74 1,272.71
------------
Totals**....... 1,383.94 1,207.78 1,446.27 1,568.55 2,454.24 2,341.43
VA
BI 100/300......... 210.58 211.92 199.12 187.46 187.80 187.87
PD 25.............. 86.75 87.35 81.20 139.93 139.93 139.96
Med/PIP............ 36.78 39.18 41.77 ......... ......... .........
UM 100/300......... 49.71 49.71 49.71 105.00 185.83 163.40
CM 100............. 115.07 82.87 151.60 391.81 538.45 586.37
CL 250............. 249.53 206.15 284.45 674.68 1,338.72 1,422.90
------------
Totals**....... 748.42 677.18 807.85 1,498.88 2,390.73 2,500.50
--------------------------------------------------------------------------------------------------------------------------------------------------------
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 in each survey location and the results
averaged to estimate the cost of equivalent coverage in the allowance area. The exceptions are Uninsured Motorist (UM) premiums, which were adjusted
using the relative total cost of premiums (less Medical and Personal Injury Protection coverage where applicable), and Medical premiums, which were
not adjusted because they were comparable to reference area coverage.
*Less Med/PIP and UM
**Including Med/PIP and UM
Appendix 17--Air Fares Cost Analysis
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Average
Location allowance area Average DC Index
air fares area air fares
----------------------------------------------------------------------------------------------------------------
Anchorage, AK................................................... $673 $334 201.50
Fairbanks, AK................................................... 768 334 229.94
Juneau, AK...................................................... 708 334 211.98
Nome, AK........................................................ 1,337 334 400.30
Honolulu, HI.................................................... 586 334 175.45
Hawaii County, HI............................................... 733 334 219.46
Kauai, HI....................................................... 741 334 221.86
Maui, HI........................................................ 741 334 221.86
Guam............................................................ 1,267 334 379.34
Puerto Rico..................................................... 435 334 130.24
Virgin Islands.................................................. 561 334 167.96
----------------------------------------------------------------------------------------------------------------
Air Fares--Composites
[1996 Survey]
------------------------------------------------------------------------
Location Weights Costs
------------------------------------------------------------------------
Hilo, HI................................ 82.88 $731
Kailua Kona, HI......................... 17.12 741
-----------------
Total............................... 100.00 ..............
-----------------
Hawaii County, HI cost.............. .............. 733
=================
St. Croix, VI........................... 46.42 572
St. Thomas, VI.......................... 53.58 552
-----------------
Total............................... 100.00 ..............
-----------------
Virgin Islands cost................. .............. 561
------------------------------------------------------------------------
Appendix 18--Transportation Analysis
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Total annual Total cost DC
cost area Index
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... $6,109 $5,316 114.92
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,074 6,560 123.08
[[Page 14264]]
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 8,017 6,863 116.81
-----------------
Average index........................................... .............. .............. 118.27
=================
Fairbanks, AK:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,805 5,316 128.01
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,050 6,560 122.71
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 7,874 6,863 114.73
-----------------
Average index........................................... .............. .............. 121.82
=================
Juneau, AK:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 5,819 5,316 109.46
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 7,105 6,560 108.31
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 7,268 6,863 105.90
-----------------
Average index........................................... .............. .............. 107.89
=================
Nome, AK:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,576 5,316 123.70
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,967 6,560 136.69
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 9,417 6,863 137.21
-----------------
Average index........................................... .............. .............. 132.53
=================
Honolulu, HI:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,734 5,260 128.02
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,035 6,503 123.56
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 8,971 6,791 132.10
-----------------
Average index........................................... .............. .............. 127.89
=================
Hawaii County, HI:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 7,330 5,260 139.35
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,091 6,503 124.42
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 9,469 6,791 139.43
-----------------
Average index........................................... .............. .............. 134.40
=================
Kauai County, HI:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 7,664 5,260 145.70
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 9,284 6,503 142.76
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 10,422 6,791 153.47
-----------------
Average index........................................... .............. .............. 147.31
=================
Maui County, HI:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,658 5,260 126.58
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,141 6,503 125.19
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 9,794 6,791 144.22
-----------------
Average index........................................... .............. .............. 132.00
=================
Guam:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,779 5,260 128.88
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 9,381 6,503 144.26
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 9,091 6,791 133.87
-----------------
Average index........................................... .............. .............. 135.67
=================
Puerto Rico:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,651 5,260 126.44
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 8,625 6,503 132.63
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 8,785 6,791 129.36
-----------------
Average index........................................... .............. .............. 129.48
=================
Virgin Islands:
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl....................... 6,542 5,260 124.37
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl..................... 9,364 6,503 144.00
[[Page 14265]]
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl..................... 10,207 6,791 150.30
-----------------
Average index........................................... .............. .............. 139.56
----------------------------------------------------------------------------------------------------------------
Appendix 19--Transportation Summary
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category -----------------------------------------------------------------
indexes Weights Subtotal Weights Subtotal Weights Subtotal
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
Private transportation......... 118.27 95.23 112.63 94.58 111.86 93.96 111.13
Air fares and other
transportation expenses....... 201.50 4.77 9.61 5.42 10.92 6.04 12.17
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 122.24 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 122.78 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 123.30
============
Fairbanks, AK:
Private transportation......... 121.82 95.23 116.01 94.58 115.22 93.96 114.46
Air fares and other
transportation expenses....... 229.94 4.77 10.97 5.42 12.46 6.04 13.89
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 126.98 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 127.68 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 128.35
============
Juneau, AK:
Private transportation......... 107.89 95.23 102.74 94.58 102.04 93.96 101.37
Air fares and other
transportation expenses....... 211.98 4.77 10.11 5.42 11.49 6.04 12.80
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 112.85 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 113.53 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 114.17
============
Nome, AK:
Private transportation......... 132.53 95.23 126.21 94.58 125.35 93.96 124.53
Air fares and other
transportation expenses....... 400.30 4.77 19.09 5.42 21.70 6.04 24.18
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 145.30 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 147.05 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 148.71
============
Honolulu, HI:
Private transportation......... 127.89 95.23 121.79 94.58 120.96 93.96 120.17
Air fares and other
transportation expenses....... 175.45 4.77 8.37 5.42 9.51 6.04 10.60
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 130.16 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 130.47 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 130.77
============
Hawaii County, HI:
Private transportation......... 134.40 95.23 127.99 94.58 127.12 93.96 126.28
Air fares and other
transportation expenses....... 219.46 4.77 10.47 5.42 11.89 6.04 13.26
------------
[[Page 14266]]
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 138.46 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 139.01 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 139.54
============
Kauai County, HI:
Private transportation......... 147.31 95.23 140.28 94.58 139.33 93.96 138.41
Air fares and other
transportation expenses....... 221.86 4.77 10.58 5.42 12.02 6.04 13.40
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 150.86 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 151.35 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 151.81
============
Maui County, HI:
Private transportation......... 132.00 95.23 125.70 94.58 124.85 93.96 124.03
Air fares and other
transportation expenses....... 221.86 4.77 10.58 5.42 12.02 6.04 13.40
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 136.28 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 136.87 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 137.43
============
Guam:
Private transportation......... 135.67 95.23 129.20 94.58 128.32 93.96 127.48
Air fares and other
transportation expenses....... 379.34 4.77 18.09 5.42 20.56 6.04 22.91
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 147.29 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 148.88 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 150.39
============
Puerto Rico:
Private transportation......... 129.48 95.23 123.30 94.58 122.46 93.96 121.66
Air fares and other
transportation expenses....... 130.24 4.77 6.21 5.42 7.06 6.04 7.87
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 129.51 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 129.52 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 129.53
============
Virgin Islands:
Private transportation......... 139.56 95.23 132.90 94.58 132.00 93.96 131.13
Air fares and other
transportation expenses....... 167.96 4.77 8.01 5.42 9.10 6.04 10.14
------------
Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........
------------
Total indexes:
Lower.................... ......... ......... 140.91 ......... ......... ......... .........
Middle................... ......... ......... ......... ......... 141.10 ......... .........
Upper.................... ......... ......... ......... ......... ......... ......... 141.27
----------------------------------------------------------------------------------------------------------------
Appendix 20--Miscellaneous Expense Analysis--Category Index Development
[1996 Survey]
----------------------------------------------------------------------------------------------------------------
Price DC
Price area Ratio Weights Subtotal Index
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
[[Page 14267]]
Medical care.................. ........... ........... ........... ........... ........... 112.24
Non-aspirin pain reliever..... $5.79 $6.11 0.95 4.78 4.53 ...........
Tetracycline.................. 7.96 6.20 1.28 12.02 15.42 ...........
Dentist clean/check........... 149.33 103.28 1.45 15.65 22.63 ...........
Doctor office visit........... 61.00 53.11 1.15 14.56 16.72 ...........
Hospital room................. 684.00 506.97 1.35 3.39 4.57 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 166.00 213.83 0.78 5.51 4.28 ...........
--------------
Fairbanks, AK:
Medical care.................. ........... ........... ........... ........... ........... 114.72
Non-aspirin pain reliever..... 5.75 6.11 0.94 4.78 4.50 ...........
Tetracycline.................. 6.97 6.20 1.12 12.02 13.50 ...........
Dentist clean/check........... 172.33 103.28 1.67 15.65 26.11 ...........
Doctor office visit........... 65.00 53.11 1.22 14.56 17.82 ...........
Hospital room................. 503.00 506.97 0.99 3.39 3.36 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 206.67 213.83 0.97 5.51 5.33 ...........
--------------
Juneau, AK:
Medical care.................. ........... ........... ........... ........... ........... 112.95
Non-aspirin pain reliever..... 6.94 6.11 1.14 4.78 5.43 ...........
Tetracycline.................. 8.73 6.20 1.41 12.02 16.91 ...........
Dentist clean/check........... 151.67 103.28 1.47 15.65 22.98 ...........
Doctor office visit........... 52.67 53.11 0.99 14.56 14.44 ...........
Hospital room................. 600.00 506.97 1.18 3.39 4.01 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 197.33 213.83 0.92 5.51 5.08 ...........
--------------
Nome, AK:
Medical care.................. ........... ........... ........... ........... ........... 132.83
Non-aspirin pain reliever..... 6.94 6.11 1.14 4.78 5.43 ...........
Tetracycline.................. 14.75 6.20 2.38 12.02 28.58 ...........
Dentist clean/check........... 176.50 103.28 1.71 15.65 26.75 ...........
Doctor office visit........... 65.00 53.11 1.22 14.56 17.82 ...........
Hospital room................. 653.00 506.97 1.29 3.39 4.37 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 225.00 213.83 1.05 5.51 5.80 ...........
--------------
Honolulu, HI:
Medical care.................. ........... ........... ........... ........... ........... 104.83
Non-aspirin pain reliever..... 6.72 6.11 1.10 4.78 5.26 ...........
Tetracycline.................. 5.95 6.20 0.96 12.02 11.53 ...........
Dentist clean/check........... 143.05 103.28 1.39 15.65 21.68 ...........
Doctor office visit........... 47.73 53.11 0.90 14.56 13.08 ...........
Hospital room................. 623.61 506.97 1.23 3.39 4.17 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 194.67 213.83 0.91 5.51 5.02 ...........
--------------
Hilo, HI:
Medical care.................. ........... ........... ........... ........... ........... 101.13
Non-aspirin pain reliever..... 7.10 6.11 1.16 4.78 5.56 ...........
Tetracycline.................. 6.46 6.20 1.04 12.02 12.51 ...........
Dentist clean/check........... 112.77 103.28 1.09 15.65 17.09 ...........
Doctor office visit........... 48.79 53.11 0.92 14.56 13.38 ...........
Hospital room................. 551.00 506.97 1.09 3.39 3.68 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 187.17 213.83 0.88 5.51 4.82 ...........
--------------
Kailua Kona, HI:
Medical care.................. ........... ........... ........... ........... ........... 112.85
Non-aspirin pain reliever..... 6.73 6.11 1.10 4.78 5.27 ...........
Tetracycline.................. 5.56 6.20 0.90 12.02 10.77 ...........
Dentist clean/check........... 173.96 103.28 1.68 15.65 26.36 ...........
Doctor office visit........... 64.41 53.11 1.21 14.56 17.66 ...........
Hospital room................. 512.00 506.97 1.01 3.39 3.42 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 205.33 213.83 0.96 5.51 5.29 ...........
--------------
Kauai County, HI:
[[Page 14268]]
Medical care.................. ........... ........... ........... ........... ........... 111.44
Non-aspirin pain reliever..... 9.05 6.11 1.48 4.78 7.08 ...........
Tetracycline.................. 6.95 6.20 1.12 12.02 13.47 ...........
Dentist clean/check........... 157.98 103.28 1.53 15.65 23.94 ...........
Doctor office visit........... 49.82 53.11 0.94 14.56 13.66 ...........
Hospital room................. 611.83 506.97 1.21 3.39 4.09 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 198.34 213.83 0.93 5.51 5.11 ...........
--------------
Maui County, HI:
Medical care.................. ........... ........... ........... ........... ........... 109.52
Non-aspirin pain reliever..... 6.86 6.11 1.12 4.78 5.37 ...........
Tetracycline.................. 5.85 6.20 0.94 12.02 11.33 ...........
Dentist clean/check........... 162.98 103.28 1.58 15.65 24.70 ...........
Doctor office visit........... 60.85 53.11 1.15 14.56 16.68 ...........
Hospital room................. 375.50 506.97 0.74 3.39 2.51 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 187.93 213.83 0.88 5.51 4.84 ...........
--------------
Guam:
Medical care.................. ........... ........... ........... ........... ........... 119.30
Non-aspirin pain reliever..... 8.64 6.11 1.41 4.78 6.76 ...........
Tetracycline.................. 4.58 6.20 0.74 12.02 8.88 ...........
Dentist clean/check........... 192.33 103.28 1.86 15.65 29.14 ...........
Doctor office visit........... 63.33 53.11 1.19 14.56 17.36 ...........
Hospital room................. 259.00 506.97 0.51 3.39 1.73 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 440.00 213.83 2.06 5.51 11.34 ...........
--------------
Puerto Rico:
Medical care.................. ........... ........... ........... ........... ........... 79.42
Non-aspirin pain reliever..... 5.79 6.11 0.95 4.78 4.53 ...........
Tetracycline.................. 3.92 6.20 0.63 12.02 7.59 ...........
Dentist clean/check........... 73.33 103.28 0.71 15.65 11.11 ...........
Doctor office visit........... 26.67 53.11 0.50 14.56 7.31 ...........
Hospital room................. 173.33 506.97 0.34 3.39 1.16 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 140.83 213.83 0.66 5.51 3.63 ...........
--------------
St. Croix, VI:
Medical care.................. ........... ........... ........... ........... ........... 91.44
Non-aspirin pain reliever..... 7.66 6.11 1.25 4.78 5.99 ...........
Tetracycline.................. 5.65 6.20 0.91 12.02 10.95 ...........
Dentist clean/check........... 68.33 103.28 0.66 15.65 10.35 ...........
Doctor office visit........... 38.33 53.11 0.72 14.56 10.51 ...........
Hospital room................. 550.00 506.97 1.08 3.39 3.68 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 227.59 213.83 1.06 5.51 5.86 ...........
--------------
St. Thomas, VI:
Medical care.................. ........... ........... ........... ........... ........... 115.61
Non-aspirin pain reliever..... 7.99 6.11 1.31 4.78 6.25 ...........
Tetracycline.................. 14.62 6.20 2.36 12.02 28.33 ...........
Dentist clean/check........... 82.75 103.28 0.80 15.65 12.54 ...........
Doctor office visit........... 61.25 53.11 1.15 14.56 16.79 ...........
Hospital room................. 345.00 506.97 0.68 3.39 2.31 ...........
Health Insurance.............. 100.00 100.00 1.00 44.10 44.10 ...........
Contact Lenses................ 206.00 213.83 0.96 5.51 5.31 ...........
----------------------------------------------------------------------------------------------------------------
Appendix 21--Miscellaneous Expense Analysis--Total Index Development
[1996 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income Middle income Upper income
Category -----------------------------------------------------------------------------
indexes Weights* Subtotal Weights* Subtotal Weights* Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
1. Medical care.......................................... 112.24 41.36 46.42 31.40 35.24 24.04 26.98
[[Page 14269]]
2. Cash contributions:
Lower income......................................... 107.71 16.52 17.79 ........... ........... ........... ...........
Middle income........................................ 107.53 ........... ........... 17.18 18.47 ........... ...........
Upper income......................................... 107.36 ........... ........... ........... ........... 17.67 18.97
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 106.32 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 105.13 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 104.24
==============
Fairbanks, AK:
1. Medical care.......................................... 114.72 41.36 47.45 31.40 36.02 24.04 27.58
2. Cash contributions:
Lower income......................................... 115.93 16.52 19.15 ........... ........... ........... ...........
Middle income........................................ 116.29 ........... ........... 17.18 19.98 ........... ...........
Upper income......................................... 116.66 ........... ........... ........... ........... 17.67 20.61
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 108.71 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 107.42 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 106.48
==============
Juneau, AK:
1. Medical care.......................................... 112.95 41.36 46.72 31.40 35.47 24.04 27.15
2. Cash contributions:
Lower income......................................... 117.12 16.52 19.35 ........... ........... ........... ...........
Middle income........................................ 117.31 ........... ........... 17.18 20.15 ........... ...........
Upper income......................................... 117.50 ........... ........... ........... ........... 17.67 20.76
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 108.18 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 107.04 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 106.20
==============
Nome, AK:
1. Medical care.......................................... 132.83 41.36 54.94 31.40 41.71 24.04 31.93
2. Cash contributions:
Lower income......................................... 140.72 16.52 23.25 ........... ........... ........... ...........
Middle income........................................ 140.34 ........... ........... 17.18 24.11 ........... ...........
Upper income......................................... 139.98 ........... ........... ........... ........... 17.67 24.73
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 120.30 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 117.24 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 114.95
==============
Honolulu, HI:
1. Medical care.......................................... 104.83 41.36 43.36 31.40 32.92 24.04 25.20
2. Cash contributions:
Lower income......................................... 115.53 16.52 19.09 ........... ........... ........... ...........
Middle income........................................ 114.71 ........... ........... 17.18 19.71 ........... ...........
Upper income......................................... 113.97 ........... ........... ........... ........... 17.67 20.14
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 104.56 ........... ........... ........... ...........
[[Page 14270]]
Middle......................................... ........... ........... ........... ........... 104.05 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 103.63
==============
Hilo, HI:
1. Medical care.......................................... 101.13 41.36 41.83 31.40 31.75 24.04 24.31
2. Cash contributions:
Lower income......................................... 115.10 16.52 19.01 ........... ........... ........... ...........
Middle income........................................ 114.16 ........... ........... 17.18 19.61 ........... ...........
Upper income......................................... 113.26 ........... ........... ........... ........... 17.67 20.01
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 102.95 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 102.78 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 102.61
==============
Kailua Kona, HI:
1. Medical care.......................................... 112.85 41.36 46.67 31.40 35.43 24.04 27.13
2. Cash contributions:
Lower income......................................... 117.01 16.52 19.33 ........... ........... ........... ...........
Middle income........................................ 116.56 ........... ........... 17.18 20.03 ........... ...........
Upper income......................................... 116.15 ........... ........... ........... ........... 17.67 20.52
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 108.11 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 106.88 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 105.94
==============
Kauai County, HI:
1. Medical care.......................................... 111.44 41.36 46.09 31.40 34.99 24.04 26.79
2. Cash contributions:
Lower income......................................... 123.73 16.52 20.44 ........... ........... ........... ...........
Middle income........................................ 122.78 ........... ........... 17.18 21.09 ........... ...........
Upper income......................................... 121.89 ........... ........... ........... ........... 17.67 21.54
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 108.64 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 107.50 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 106.62
==============
Maui County, HI:
1. Medical care.......................................... 109.52 41.36 45.30 31.40 34.39 24.04 26.33
2. Cash contributions:
Lower income......................................... 120.09 16.52 19.84 ........... ........... ........... ...........
Middle income........................................ 119.45 ........... ........... 17.18 20.52 ........... ...........
Upper income......................................... 118.87 ........... ........... ........... ........... 17.67 21.00
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 107.25 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 106.33 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 105.62
==============
Guam:
1. Medical care.......................................... 119.30 41.36 49.34 31.40 37.46 24.04 28.68
2. Cash contributions:
Lower income......................................... 117.57 16.52 19.42 ........... ........... ........... ...........
Middle income........................................ 117.46 ........... ........... 17.18 20.18 ........... ...........
Upper income......................................... 117.37 ........... ........... ........... ........... 17.67 20.74
[[Page 14271]]
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 110.87 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 109.06 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 107.71
==============
Puerto Rico:
1. Medical care.......................................... 79.42 41.36 32.85 31.40 24.94 24.04 19.09
2. Cash contributions:
Lower income......................................... 100.79 16.52 16.65 ........... ........... ........... ...........
Middle income........................................ 100.79 ........... ........... 17.18 17.32 ........... ...........
Upper income......................................... 100.80 ........... ........... ........... ........... 17.67 17.81
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 91.61 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 93.68 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 95.19
==============
St. Croix, VI:
1. Medical care.......................................... 91.44 41.36 37.82 31.40 28.71 24.04 21.98
2. Cash contributions:
Lower income......................................... 113.10 16.52 18.68 ........... ........... ........... ...........
Middle income........................................ 113.17 ........... ........... 17.18 19.44 ........... ...........
Upper income......................................... 113.26 ........... ........... ........... ........... 17.67 20.01
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 98.61 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 99.57 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 100.28
==============
St. Thomas, VI:
1. Medical care.......................................... 115.61 41.36 47.82 31.40 36.30 24.04 27.79
2. Cash contributions:
Lower income......................................... 118.11 16.52 19.51 ........... ........... ........... ...........
Middle income........................................ 117.95 ........... ........... 17.18 20.26 ........... ...........
Upper income......................................... 117.84 ........... ........... ........... ........... 17.67 20.82
3. Personal insurance/pensions........................... 100.00 42.11 42.11 51.42 51.42 58.29 58.29
--------------
Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........
--------------
Total indexes:
Lower.......................................... ........... ........... 109.44 ........... ........... ........... ...........
Middle......................................... ........... ........... ........... ........... 107.98 ........... ...........
Upper.......................................... ........... ........... ........... ........... ........... ........... 106.90
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Numbers might not add to 100 due to rounding.
Miscellaneous Expense Analysis--Composites
[1996 Survey]
------------------------------------------------------------------------
Total indexes
--------------------------------
Location Weights Lower Middle Upper
income income income
------------------------------------------------------------------------
Hilo, HI.................... 82.88 102.95 102.78 102.61
Kailua Kona, HI............. 17.12 108.11 106.88 105.94
------------
Total weight............ 100.00 ......... ......... .........
------------
[[Page 14272]]
Hawaii County, HI...... ......... 103.83 103.48 103.18
============
St. Croix, VI............... 46.42 98.61 99.57 100.28
St. Thomas, VI.............. 53.58 109.44 107.98 106.90
------------
Total weight............ 100.00 ......... ......... .........
------------
Virgin Islands......... ......... 104.41 104.08 103.83
------------------------------------------------------------------------
Appendix 22--Component Expenditure Amounts
[1996 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Indexes Amounts
Incomes -----------------------------------------------------------------------------------------
CG&S Own Rent Trn Misc CG&S Own Rent Trn Misc
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts 21,600................. 39.62 25.72 25.72 18.48 16.18 $8,558 $5,556 $5,556 $3,992 $3,495
32,900................. 38.97 24.46 24.46 18.22 18.35 12,821 8,047 8,047 5,994 6,037
50,300................. 38.37 23.28 23.28 17.98 20.37 19,300 11,710 11,710 9,044 10,246
==========================
Anchorage, AK........................ Lower.................. 107.71 98.59 100.72 122.24 106.32 9,218 5,478 5,596 4,880 3,716
Middle................. 107.53 90.41 96.13 122.78 105.13 13,786 7,275 7,736 7,359 6,347
Upper.................. 107.36 73.98 88.59 123.30 104.24 20,720 8,663 10,374 11,151 10,680
--------------------------
Fairbanks, AK........................ Lower.................. 115.93 94.14 106.28 126.98 108.71 9,921 5,230 5,905 5,069 3,799
Middle................. 116.29 87.40 102.85 127.68 107.42 14,910 7,033 8,276 7,653 6,485
Upper.................. 116.66 71.00 80.82 128.35 106.48 22,515 8,314 9,464 11,608 10,910
--------------------------
Juneau, AK........................... Lower.................. 117.12 112.32 133.43 112.85 108.18 10,023 6,240 7,413 4,505 3,781
Middle................. 117.31 100.29 125.16 113.53 107.04 15,040 8,070 10,072 6,805 6,462
Upper.................. 117.50 78.16 107.25 114.17 106.20 22,678 9,153 12,559 10,326 10,881
--------------------------
Nome, AK............................. Lower.................. 140.72 109.07 132.75 145.30 120.30 12,043 6,060 7,376 5,800 4,204
Middle................. 140.34 101.91 135.38 147.05 117.24 17,993 8,201 10,894 8,814 7,078
Upper.................. 139.98 80.81 97.05 148.71 114.95 27,016 9,463 11,365 13,449 11,778
--------------------------
Honolulu, HI......................... Lower.................. 116.08 177.05 135.88 130.16 104.65 9,934 9,837 7,549 5,196 3,658
Middle................. 115.26 181.33 128.55 130.47 104.14 14,777 14,592 10,344 7,820 6,287
Upper.................. 114.51 141.29 105.85 130.77 103.72 22,100 16,545 12,395 11,827 10,627
--------------------------
Hawaii County, HI.................... Lower.................. 115.43 113.45 99.94 138.46 103.83 9,878 6,303 5,553 5,527 3,629
Middle................. 114.57 107.15 92.65 139.01 103.48 14,689 8,622 7,456 8,332 6,247
Upper.................. 113.75 83.11 72.71 139.54 103.18 21,954 9,732 8,514 12,620 10,572
--------------------------
Kauai County, HI..................... Lower.................. 123.73 143.82 109.64 150.86 108.64 10,589 7,991 6,092 6,022 3,797
Middle................. 122.78 133.42 102.73 151.35 107.50 15,742 10,736 8,267 9,072 6,490
Upper.................. 121.89 105.23 81.02 151.81 106.62 23,525 12,322 9,487 13,730 10,924
--------------------------
Maui County, HI...................... Lower.................. 120.09 156.46 119.32 136.28 107.25 10,277 8,693 6,629 5,440 3,748
Middle................. 119.45 149.14 108.56 136.87 106.33 15,315 12,001 8,736 8,204 6,419
Upper.................. 118.87 116.42 84.12 137.43 105.62 22,942 13,633 9,850 12,429 10,822
--------------------------
Guam (Local Retail).................. Lower.................. 117.57 131.58 120.21 147.29 110.87 10,062 7,311 6,679 5,880 3,875
Middle................. 117.46 120.85 123.44 148.88 109.06 15,060 9,725 9,933 8,924 6,584
Upper.................. 117.37 117.60 93.29 150.39 107.71 22,652 13,771 10,924 13,601 11,036
--------------------------
Guam (Comm.&Exch.)................... Lower.................. 101.65 131.58 120.21 147.29 110.87 8,699 7,311 6,679 5,880 3,875
Middle................. 102.51 120.85 123.44 148.88 109.06 13,143 9,725 9,933 8,924 6,584
Upper.................. 103.39 117.60 93.29 150.39 107.71 19,954 13,771 10,924 13,601 11,036
--------------------------
Puerto Rico.......................... Lower.................. 100.79 66.99 100.41 129.51 91.61 8,626 3,722 5,579 5,170 3,202
Middle................. 100.79 63.36 122.51 129.52 93.68 12,922 5,099 9,858 7,763 5,655
Upper.................. 100.80 64.04 119.18 129.53 95.19 19,454 7,499 13,956 11,715 9,753
--------------------------
Virgin Islands....................... Lower.................. 115.78 133.31 124.18 140.91 104.41 9,908 7,407 6,899 5,625 3,649
Middle................. 115.73 133.05 121.30 141.10 104.08 14,838 10,707 9,761 8,458 6,283
Upper.................. 115.71 107.23 106.36 141.27 103.83 22,332 12,557 12,455 12,776 10,638
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 14273]]
Appendix 23--Total Comparative Cost Indexes
[1996 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Income
Income Weights Own Rent Total WDC Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower........................... 21,600 37.97 62.03 .......... .......... ..........
Middle.......................... 32,900 47.13 52.87 .......... .......... ..........
Upper........................... 50,300 61.21 38.79 .......... .......... ..........
===================================
Anchorage, AK................................. Lower........................... 26.44 $23,292 $23,410 $23,365 $21,600 ..........
Middle.......................... 32.11 34,767 35,228 35,011 32,900 ..........
Upper........................... 41.45 51,214 52,925 51,878 50,300 ..........
................................ 100.00 .......... .......... 38,923 37,125 104.84
-----------------------------------
Fairbanks, AK................................. Lower........................... 33.28 24,019 24,694 24,438 21,600 ..........
Middle.......................... 36.60 36,081 37,324 36,738 32,900 ..........
Upper........................... 30.12 53,347 54,497 53,793 50,300 ..........
................................ 100.00 .......... .......... 37,782 34,380 109.90
-----------------------------------
Juneau, AK.................................... Lower........................... 19.89 24,549 25,722 25,277 21,600 ..........
Middle.......................... 31.45 36,377 38,379 37,435 32,900 ..........
Upper........................... 48.66 53,038 56,444 54,359 50,300 ..........
................................ 100.00 .......... .......... 43,252 39,119 110.57
-----------------------------------
Nome, AK...................................... Lower........................... 25.62 28,107 29,423 28,923 21,600 ..........
Middle.......................... 46.40 42,086 44,779 43,510 32,900 ..........
Upper........................... 27.98 61,706 63,608 62,444 50,300 ..........
................................ 100.00 .......... .......... 45,071 34,873 129.24
-----------------------------------
Honolulu, HI.................................. Lower........................... 32.68 28,625 26,337 27,206 21,600 ..........
Middle.......................... 32.52 43,476 39,228 41,230 32,900 ..........
Upper........................... 34.80 61,099 56,949 59,489 50,300 ..........
................................ 100.00 .......... .......... 43,001 35,262 121.95
-----------------------------------
Hawaii County, HI............................. Lower........................... 36.69 25,337 24,587 24,872 21,600 ..........
Middle.......................... 39.79 37,890 36,724 37,274 32,900 ..........
Upper........................... 23.52 54,878 53,660 54,406 50,300 ..........
................................ 100.00 .......... .......... 36,753 32,847 111.89
-----------------------------------
Kauai County, HI.............................. Lower........................... 30.24 28,399 26,500 27,221 21,600 ..........
Middle.......................... 34.28 42,040 39,571 40,735 32,900 ..........
Upper........................... 35.48 60,501 57,666 59,401 50,300 ..........
................................ 100.00 .......... .......... 43,271 35,656 121.36
-----------------------------------
Maui County, HI............................... Lower........................... 25.52 28,158 26,094 26,878 21,600 ..........
Middle.......................... 39.31 41,939 38,674 40,213 32,900 ..........
Upper........................... 35.17 59,826 56,043 58,359 50,300 ..........
................................ 100.00 .......... .......... 43,192 36,136 119.53
-----------------------------------
Guam (Local Retail)........................... Lower........................... 47.12 27,128 26,496 26,736 21,600 ..........
Middle.......................... 31.41 40,293 40,501 40,403 32,900 ..........
Upper........................... 21.47 61,060 58,213 59,956 50,300 ..........
................................ 100.00 .......... .......... 38,161 31,311 121.88
-----------------------------------
Guam (Comm.&Exch.)............................ Lower........................... 47.12 25,765 25,133 25,373 21,600 ..........
Middle.......................... 31.41 38,376 38,584 38,486 32,900 ..........
Upper........................... 21.47 58,362 55,515 57,258 50,300 ..........
................................ 100.00 .......... .......... 36,338 31,311 116.06
-----------------------------------
Puerto Rico................................... Lower........................... 40.66 20,720 22,577 21,872 21,600 ..........
Middle.......................... 37.86 31,439 36,198 33,955 32,900 ..........
Upper........................... 21.48 48,421 54,878 50,926 50,300 ..........
................................ 100.00 .......... .......... 32,687 32,043 102.01
-----------------------------------
Virgin Islands................................ Lower........................... 35.31 26,589 26,081 26,274 21,600 ..........
Middle.......................... 40.94 40,286 39,340 39,786 32,900 ..........
Upper........................... 23.75 58,303 58,201 58,263 50,300 ..........
................................ 100.00 .......... .......... 39,403 33,042 119.25
--------------------------------------------------------------------------------------------------------------------------------------------------------
[FR Doc. 97-7362 Filed 3-24-97; 8:45 am]
BILLING CODE 6325-01-F