Allowances and differentials: living allowances in nonforeign areas; report on 1997 surveys; availability,

As Enacted ( Federal Register)

Cited in

[Federal Register: October 21, 1998 (Volume 63, Number 203)]

[Notices]

[Page 56432-56507]

From the Federal Register Online via GPO Access [wais.access.gpo.gov]

[DOCID:fr21oc98-134]

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OFFICE OF PERSONNEL MANAGEMENT

Report on 1997 Surveys Used to Determine Cost-of-Living Allowances in Nonforeign Areas

AGENCY: Office of Personnel Management.

ACTION: Notice.

SUMMARY: This notice publishes the ``Report on 1997 Surveys Used to Determine Cost-of-Living Allowances in Nonforeign Areas.'' The results of the surveys are used to determine cost-of-living allowances (COLAs) 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 an increase in the COLA rate for the City and County of Honolulu, Hawaii, allowance area being published by OPM in the interim rulemaking immediately preceding this notice.

DATES: Comments must be received on or before February 18, 1999.

ADDRESSES: Comments may be sent or delivered to Donald J. Winstead, Assistant Director for Compensation Administration, Workforce Compensation and Performance Service, Office of Personnel Management, Room 7H31, 1900 E Street NW., Washington, DC 20415-8200, FAX: (202) 606-4264, or email at cola@opm.gov.

FOR FURTHER INFORMATION CONTACT: Donald L. Paquin, (202) 606-2838, FAX: (202) 606-4264, or email at cola@opm.gov.

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 1997 Surveys Used to Determine Cost-of-Living Allowances in Nonforeign Areas'' with this notice. This report explains in detail the methodologies, calculations, and findings of the 1997 COLA surveys.

Results of Surveys. 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 the Honolulu allowance area should be increased from its current level of 22.5 percent to 25 percent. The survey results also show that the COLA rate for one area is currently at the appropriate level and that the COLA rates in 10 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, 2000. Therefore, OPM is not proposing any COLA rate reductions.

Comments on 1996 Report. OPM published the report on the 1996 surveys conducted in Alaska, Hawaii, Guam, Puerto Rico, the U.S. Virgin Islands, and the Washington, DC, area in the Federal Register (62 FR 14190) on March 25, 1997. Twelve respondents submitted comments on the report. 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; --House size, selection, necessary features, purchase price, storage needs, and maintenance as affected 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 the quality of local schools. OPM is participating in two major initiatives concerning the COLA program. Many of these and other concerns are being considered under one or both of these initiatives. These two initiatives are discussed below. Memorandum of Understanding and Report to Congress. In 1996, OPM entered into a memorandum of understanding (MOU) with litigants in the cases of Alaniz v. Office of Personnel Management and Karamatsu v. United States. The MOU committed 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 of the Safe Harbor process is to resolve COLA issues that have long been contested and to assist OPM as it prepares a report to Congress on the COLA program. That report, required by the Treasury, Postal Service, and General Government Appropriations Act, 1992 (Public Law 102-141), as amended, is due by March 1, 2000. OPM anticipates that the studies will examine many of the issues raised by comments on the survey reports and will produce a number of valuable recommendations for improving the COLA program. COLA Partnership. In November 1996, OPM established a pilot project to involve agencies and employee representatives directly in a partnership to help plan and conduct COLA surveys, to 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. Under the 2-year pilot project, five partnership committees were formed--one each in Alaska, Hawaii, Guam, Puerto Rico, and the U.S. Virgin Islands. There were also four subcommittees formed to represent individual allowance areas. Committee/subcommittee functions 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 will examine some of the issues raised by the comments on the survey reports and will provide many recommendations for improving the COLA program.

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Program Changes during MOU Research and Pilot Project

During the Safe Harbor process and the COLA partnership pilot project, OPM plans generally to avoid making substantive policy changes in the COLA program. OPM intends to first complete its research, receive public comment, and deliver its report to Congress. This does not mean that OPM will make no changes. There are administrative changes relating to survey coverage that must be made for each survey, and OPM may implement other improvements in response to comments it receives. As with the 1996 surveys, OPM has made a few changes in this year's surveys compared with previous years. These are discussed in the report.

Comments on Partnership

The Alaska COLA Partnership Committee submitted comments in regard to its decision not to participate in the 1997 COLA surveys in Alaska. The Alaska Committee felt that OPM had not provided sufficient time for the committee to become knowledgeable enough to make sound decisions and to solve problems related to the survey. They noted that the Partnership Pilot Project was effective November 21, 1996, but it was not until May that OPM met with the Committee in advance of the July survey. The Alaska Committee, as well as one other commenter, also felt that OPM was not working with the Committee in good faith or in the spirit of a partnership. The Committee felt that it was being asked to ``rubber stamp'' a survey that would not reflect actual cost-of-living differences between Washington, DC, and Alaska. The Committee members stated that they wanted ``to work towards building a true partnership with OPM in order to find an equitable COLA process.'' Six other commenters similarly asked that OPM not relegate the Alaska Committee to an advisory role, but accept the Committee as a full partner in evaluating COLAs. The commenters requested that OPM delay the survey until the partnership issues were resolved. OPM agrees that more lead time between the establishment of the COLA Partnership Committees and the 1997 surveys would have been desirable. The amount of time it took to launch the committees was much greater than OPM had expected. OPM had not anticipated the significant amount of time required by many agencies and unions to nominate committee members and/or approve their release for committee work. As a result, OPM delayed the surveys, originally scheduled to be conducted during the period January-March, until July. Delaying the surveys further was not deemed acceptable. Despite the short lead time, OPM encouraged the partnership committees to participate in the survey. We believe the local knowledge and perspective offered by the committees would benefit the surveying of outlets and items in their region. The committees would also be able to offer preliminary feedback, based on their experience in assisting OPM in the survey, on survey procedures. Participation would additionally provide an opportunity for the committees to familiarize OPM with COLA issues unique to their area. We also believe that by participating in the survey, committees would become more knowledgeable about the survey process and that that knowledge would be valuable in understanding and examining the various elements of the COLA rate- setting process. OPM addressed the role of the partnership committees in the publication of its final COLA Partnership Pilot Project regulations on November 21, 1996 (61 FR 59173). The following is excerpted from the discussion of comments in those regulations: No two partnerships look exactly alike, and OPM believes that establishment of these committees will result in a more collaborative relationship among affected agencies and employees with respect to this complex and often contentious program. By statute and Executive order, however, OPM has the final authority for conducting COLA surveys and administering the COLA program. If a consensus cannot be reached on an issue or if the views of one COLA committee differ from those of another on the same issue, OPM must still conduct surveys and set COLA rates. Nevertheless, this does not mean that we cannot use partnership to improve the COLA program. OPM plans to accommodate suggestions whenever practical and consistent with the laws and regulations that govern the COLA program. We certainly do not expect the committees to ``rubber stamp'' our proposals. Instead, we plan to listen carefully to and seriously consider all of the information and advice that will be provided. We know there is much we can learn that will help us improve the surveys and the way we administer the program, and we look forward to having frank and open discussions with the other committee members. It is our hope that we can reach a consensus on the vast majority of issues that will face us. As several commenters said, the partnership process will not work unless there is a sincere commitment from all parties, including OPM, to share ideas, listen to others, learn from what is said, and find areas of agreement. OPM is committed to this process.

Overall Living Cost Model

Several commenters stated that the surveys compare only prices, not total living costs. Two commenters said the surveys should consider other factors, such as cultural differences, individual needs, isolation from friends and family, and other hidden costs. Another commenter stated that Alaska was unique and should be evaluated based on Alaska costs and needs. The COLA model compares the cost of an item in an allowance area with the cost for the same brand, model, and size of item in the Washington, DC area. OPM believes this model is consistent with the settlement of Hector Arana, et al., v. United States, 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. Intangible influences on living costs, such as cultural differences and isolation from family, are very difficult to quantify objectively. This is, however, one of the MOU research topics, and OPM plans to discuss this issue in its report to Congress. One commenter said that OPM's price comparison methodology is not an accurate method for comparing cost-of-living differences. Under the MOU and as part of the COLA Partnership Pilot Project, OPM is studying various ways of improving the price comparison methodology for its report to Congress. Another commenter suggested an alternative method of cost comparison under which employees with similar individual and family situations in the comparison areas would be selected to maintain a detailed record of expenses for a given period of time. OPM does not believe this approach is practical. One commenter disagreed with OPM's inclusion of sale taxes in the COLA model. The commenter said that taxes are purchases of services, not part of the price of items, and that areas with

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lower taxes receive fewer services. As such, the commenter argued, OPM should compare the services being provided in its calculations or, if the services are not measurable, should not measure the sales tax that pays for those services. This issue was originally raised in comments on the 1995 surveys and responded to by OPM in the 1996 survey notice. As stated in the notice, OPM believes that the effect on living costs of any area differences in community programs and services due to differences in sales tax revenues probably cannot be measured. Revenues for community services or programs may originate from many sources other than sales taxes, including State and local income taxes, corporate taxes and subsidies, property and other taxes, user fees, lottery revenues, civil penalties, and Federal funds. Furthermore, the sales tax is a direct consumer expense. Regardless of the services that are supported by the sales tax, it is a cost that the consumer must pay. For that reason, OPM continues to believe that it is appropriate to include the sales tax in the prices of the items surveyed. The same commenter said that using the Consumer Expenditure Survey (CES) is inappropriate because it assumes DC and Alaska consumers spend their money in the same manner. As stated in the report, OPM uses the nationwide CES data because OPM knows of no other source of comprehensive consumer expenditure information by income level suitable for use in the COLA model. One of the topics being researched under the MOU is the possible use of local CES data, including Anchorage CES data, in the COLA model. OPM anticipates including the results of this research in its report to Congress. One commenter noted how much more expensive it was in Alaska compared to Wyoming. OPM is required by law to use Washington, DC, as the reference area for living-cost comparisons.

Goods and Services

One commenter said that there are fewer department stores in Alaska and that sales at these stores are infrequent. Two commenters noted that one of the fast food restaurants in the survey advertised a sale item at one price, but the price in Alaska was much higher. The survey compares only non-sale prices of identical items from similar outlets, which we believe is consistent with Arana. One commenter felt that Alaskans are more likely than Washington, DC, residents to incur expenses related to snow removal and other winter conditions. One of the research topics under the MOU concerns expenses unique to each allowance area and to the Washington, DC, area. OPM plans to include the results of this MOU research in its report to Congress. The same commenter thought OPM should publish with the report the prices for all items. More than 18,000 prices were collected in the 1997 surveys. Publishing this volume of information is not practical. One commenter said OPM should examine additional fees charged by mail order companies to ship to Alaska or Hawaii. OPM included catalog prices for selected items in the surveys. Additional costs for shipping and excise taxes, if any, were added to the catalog pricing where applicable. The same commenter said that in Alaska the cost of lettuce is by the pound, not by the head, as is charged elsewhere in the U.S. For comparison purposes, where lettuce is sold by the head, OPM collects the price and weight of an average head and converts the price to price per pound. The commenter also said OPM should examine the cost of dairy products in Alaska. OPM collects price data for milk, cheese, eggs, ice cream, and margarine in each of the allowance areas for use in the comparisons. Two commenters noted the high cost of goods and services on Prince of Wales Island in Alaska. Prince of Wales Island is in the Rest of Alaska allowance area, and OPM notes that, as have the previous surveys, the results of the 1997 survey show that the maximum allowable COLA rate (25 percent) should continue to be paid in this allowance area.

Housing

One commenter felt that OPM's calculations should allow for Alaskans having larger homes because of Arctic entrances and extra storage needs. The home purchase price data collected reflect local home sales, which in turn should reflect the cost of any special features common to dwellings in each area. The same commenter stated that Alaskan homes require more frequent maintenance because of the harsh winters and the composition of houses. The commenter also stated that house heating systems wear out more quickly in Alaska. One of the key research topics under the MOU is housing costs, and the possible application of a ``rental equivalence approach,'' which is the approach the Bureau of Labor Statistics uses for measuring change in housing costs for the Consumer Price Index. OPM will include the findings of this MOU research in its report to Congress. One commenter noted that housing is scarce and thereby expensive in Thorne Bay, Alaska. Thorne Bay is in the Rest of Alaska allowance area, and as OPM noted earlier, COLA surveys have consistently shown that payment of the maximum COLA rate is warranted in that area.

Transportation Component

One commenter stated that Alaskans have a higher accident rate and incur higher insurance and repair costs because of icy roads. The same commenter felt that a fuel adjustment should be made because Alaskans need to warm up their cars in the morning, using more fuel. The commenter also said that OPM should include the cost of changing to and from snow tires in its calculations. 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. For the 1997 surveys, OPM also priced the cost of mounting and balancing snow tires and the cost of switching mounted snow tires and street tires on a semi-annual basis. 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. Although OPM does not take into consideration the effect of extended periods of idling on fuel consumption,

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OPM does take into consideration the effect of climate on gas mileage. (See section 5.2.3.1 of the report.) In the case of Alaska, the COLA model assumes that automobiles there generally get fewer miles per gallon than equivalent automobiles in the Washington, DC, area. Several commenters stated that travel by air is more necessary, and therefore more frequent, in Alaska. The current model assumes that the typical Federal employee puts 15,000 miles per year on a car. 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. Transportation is one of the MOU research topics, and OPM plans to include this research in its report to Congress. One commenter noted that DC residents have Metro costs subsidized by tax dollars. 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 roundtrip airfares from the allowance areas with the cost of roundtrip airfares from the Washington, DC, area to the same destinations.

Miscellaneous Component

Several commenters felt that the medical expense portion of the Miscellaneous Component fails to reflect high out-of-pocket expenses they believe 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. Medical expense is one of the research topics under the MOU, and OPM plans to include this research in its report to Congress. OPM also notes that in the analysis of the results of the 1997 survey, OPM used average employee Federal health benefit expense by area. These data indicate that, with the exception of Puerto Rico, these expenses are higher in the allowance areas than in the Washington, DC, area.

General Comments

One commenter asked that OPM consider the effect significant reductions would have on the local economy of the allowance area. Another commenter believed that the results of the survey would end COLAs in the more populous areas of Alaska. This is not quite accurate. If COLA rates were based on the results of the 1997 survey, employees in both Juneau and Fairbanks would continue to receive COLAs, though at a lower rate. However, as noted earlier, COLA reductions are prohibited by law until December 31, 2000. In addition, OPM has the authority to reduce COLA rates gradually. Two commenters cited the scarcity of higher education choices in Alaska and the expenses of having family members attend out-of-state schools. Education is an MOU research topic, and OPM will report on this research in its report to Congress. One commenter noted that DC residents have free access to many recreational opportunities on the Mall in Washington, DC, such as museums and concerts. OPM believes each area offers recreational opportunities that are unique to that area, such as beaches, rivers, mountains, parks, or museums, as well as various leisure activities. Some of the recreational choices require paid admission, and others are free. Surveying everything is not feasible. OPM surveys the cost related to a number of recreational activities for which a fee is charged, including movie theaters, video rentals, golf, and bowling. Two commenters noted that they had only a short time in which to prepare comments on the notice. In response to similar comments on the previous survey, OPM had increased the comment period for the notice from 60 to 90 days. For this report, OPM is further increasing the comment period from 90 to 120 days. One commenter requested to be placed on a mailing list and notified of COLA publications. OPM does not maintain a mailing list for employee notification on COLA issues. OPM does employ several other means outside Federal Register publication for disseminating this information to Federal employees. These include agency, union, and Partnership Committee notification; agency postings; and publication on OPM's Internet web page (www.opm.gov) and the nonforeign area COLA web page (www.opm.gov/cola).

Clarification and Correction of the 1996 Report

In preparing its report on the 1997 surveys, OPM discovered discrepancies in section 4.2.2, section 5.2.5, and Appendix 8 of the 1996 report. These discrepancies are discussed below, and OPM addressed them in the 1997 report. OPM notes that the clarifications and corrections had no effect on any COLA rate. Section 4.2.2 did not fully describe the procedures used to assign home sales observations to the appropriate income level. As stated in the report, Runzheimer was unable to obtain on a consistent basis across areas information on number and types of rooms for home sales. Therefore, in assigning home sales observations to each income level, Runzheimer relied primarily on living community and home size. In areas where discrete communities were assigned to each income level, Runzheimer used all observations, regardless of room count and type, that met the size range specification shown in Table 4-3. As shown in table 4-3, these size ranges overlap. Therefore, in areas where the same communities were used at more than one income level, Runzheimer relied on room count and type to assign home sales in the size range overlap to the appropriate income level. When such information was not available, as was the case in St. Thomas, Runzheimer assigned homes in the 600 to 1,100 square foot range to the lower income level, homes in the 1,101 to 1,500 square foot range to the middle income level, and homes in the 1,501 to 2,300 square foot range to the upper income level. Table 4-2 also implied that OPM used the prices of condominiums and rowhouses at the lower and middle income levels. This was not correct. To allow the comparison of the same type of housing across areas, OPM used the prices only of detached, single family homes in all areas. Some of these homes, particularly in the Virgin Islands, probably had apartment units within them, but this level of detail was not available. Section 5.2.5 stated that, in addition to the price of studded snow tires, Runzheimer surveyed the extra cost of wheels (i.e., rims) in each of the Alaska COLA areas. In comparing the results of the 1997 survey with those of the 1996 survey, OPM found that the extra cost of rims was not obtained in the 1996 survey. In the 1997 survey, OPM did price rims in Alaska, as well as the cost of mounting and balancing snow tires and the cost of switching mounted snow tires and street tires on a semi-annual basis, although the quantity of data was limited. For the coming surveys, OPM is improving the item description, which will address this problem. In Appendix 8, the Consumption Goods and Services indexes for

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Honolulu, HI, did not agree with the indexes in Appendix 22. The Honolulu indexes in Appendix 22 were the correct indexes and were used to determine the final index for Honolulu. Therefore, the final total comparative cost index for Honolulu was correct. Office of Personnel Management. Janice R. Lachance, Director.

Table of Contents

Executive Summary

Introduction

1.1 Report Objectives

1.2 The COLA Partnership Pilot Project and 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

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 Data Collection

2.5.2 Inclusion of Sales and Excise Taxes

2.5.3 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 Private Education (K-12) Category

6.3.3 Contributions Category

6.3.4 Personal Insurance and Retirement Category

6.4 Miscellaneous Expense Analyses 7. Final Results

7.1 Total Comparative Cost Indexes

List of Appendices

Appendix 1: Publication in the Federal Register of Results of Nonforeign Area Living-Cost Surveys: 1990--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: Consumption Goods and Services Analysis and Summary Appendix 8: OPM Living Community List Appendix 9: Historical Home Market Values and Interest Rates Appendix 10: Historical Housing Data Appendix 11: Rental Data Analyses Appendix 12: Housing Cost Analysis Appendix 13: Housing Summary Appendix 14: Private Transportation Cost Analysis Appendix 15: Auto Insurance Calculation Worksheet Appendix 16: Air Fares Cost Analysis Appendix 17: Transportation Analysis Appendix 18: Transportation Summary Appendix 19: Miscellaneous Expense Analysis--Category Index Development Appendix 20: Miscellaneous Expense Summary Appendix 21: Component Expenditures Appendix 22: Final Indexes

Executive Summary

Cost-of-living allowances (COLAs) are paid to Federal employees in nonforeign areas in consideration of living costs higher than in the Washington, DC, area. OPM conducts living-cost surveys in order to set the COLA rates. This report provides the results of the summer 1997 living-cost surveys and compares living costs in nonforeign COLA areas to those in the Washington, DC, area. Survey data were collected by the Office of Personnel Management (OPM) under the COLA Partnership Pilot Project, a 2-year pilot project that was established to test and evaluate a new approach in the administration of the COLA program, including the conduct of living- cost surveys. Surveys were conducted 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. In the interest of expediting COLA rate increases, OPM is publishing this report at the same time it is discussing the survey results with the COLA Partnership Pilot Project Committees and Subcommittees. If, as a result of these discussions, OPM implements changes that affect the results of the 1997 survey, OPM will describe these changes and the results in a future Federal Register notice. For this study, over 3,500 outlets were contacted and over 18,000 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............................................. 102.93 Fairbanks, Alaska............................................. 107.57 Juneau, Alaska................................................ 111.54 The rest of the State of Alaska............................... 126.64 City and County of Honolulu, Hawaii........................... 126.78 Hawaii County, Hawaii......................................... 110.85 Kauai County, Hawaii.......................................... 114.92 Maui County, Hawaii........................................... 118.84 Guam/CNMI*, Local Retail...................................... 121.77 Guam/CNMI, Commissary/Exchange................................ 118.23 Puerto Rico................................................... 105.42 U.S. Virgin Islands........................................... 119.09

*CNMI=Commonwealth of the Northern Mariana Islands
Introduction

1.1 Report Objectives

This report provides the results of the Summer 1997 surveys. A listing of

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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 program.
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 In the interest of expediting COLA rate increases, OPM is publishing this report at the same time it is discussing the survey results with the committees and subcommittees established under the COLA Partnership Pilot Project. OPM will have these discussions in the near future. If, as a result of these discussions, OPM implements changes that affect the results of the 1997 survey, OPM will describe these changes in a future Federal Register notice.

1.2. The COLA Partnership Pilot Project and Changes in This Year's Survey

In November 1996, OPM established the COLA Partnership Pilot Project, a 2-year pilot project designed to assist OPM in the administration of the COLA program. (See 61 FR 59173.) Under the pilot project, COLA Partnership Pilot Project Committees and Subcommittees were established in Alaska, Hawaii, Guam, Puerto Rico, and the U.S. Virgin Islands. The committees and subcommittees are composed of four representatives of Federal unions, four representatives from Federal agencies in each local area, plus two OPM representatives. All of the Committees and Subcommittees, except the Alaska Committee, worked with OPM in planning the COLA surveys, observing OPM data collection, and advising OPM on the COLA program and on compensation issues relating to the COLA areas. The Alaska COLA Partnership Committee elected not to be involved in survey planning and data collection observation because it believed there had not been sufficient time to become knowledgeable about the COLA program and to resolve issues prior to the survey. Agency and employee representatives in some Alaska areas, however, worked with OPM on an informal basis. Prior to the surveys, OPM central office staff traveled to each of the COLA areas to discuss with the Committees and Subcommittees survey plans and specifications. OPM adopted several changes in response to Committee/Subcommittee recommendations. Appendix 6 lists significant changes made for this survey relative to the previous survey. Among the key changes are the following: --Private education (K-12) was surveyed in all areas, and ``use factors'' derived from the results of the 1992/93 Federal Employee Housing and Living Patterns Survey were used to reflect the mix by area of Federal employees whose children attend private schools and those who attend public schools. --Average employee Federal health benefit expense was estimated by area and used in place of the fixed amount used in previous surveys. --Several other new survey items were added, including windshield replacement, cellular phone service, hospital attendant, and air ambulance insurance.\1\

\1\Hospital attendant and air ambulance insurance were surveyed in all areas, but were used in index calculations only in two areas because these services were not available in other areas. Hospital attendant prices were added to the cost of the hospital room in Puerto Rico, and air ambulance insurance premiums were added to the cost of Federal health benefits premiums in the U.S. Virgin Islands.

--Omaha, NE, was added to the list of destinations for pricing air fares. --Rental and home sales data were collected for new housing communities on Oahu. --Outlet specifications were changed for certain items, such as restaurant meals, to provide a more consistent mix of outlet types across areas. Another change compared with previous surveys is that a private contractor no longer collected price data. Instead, under the COLA Partnership Pilot Project, OPM central office staff collected these data, usually with the assistance of local observers from the COLA Partnership Committees and Subcommittees. OPM found this to be a very beneficial and informative process. OPM staff has gained a much better understanding of local conditions and issues and believes that the Committees, Subcommittees, and observers also have gained a better understanding of the COLA program. In addition to the above changes, OPM collected data on several test items and in two test areas: the Waimea/Waikoloa area on the Island of Hawaii and on St. John, U.S. Virgin Islands. OPM will be discussing the results of these tests with the Committees and Subcommittees in the near future. Since these test data were not used in the calculation of living-cost indexes, they are not discussed in this report.

1.3 Pricing Period

Although OPM implemented the COLA Partnership Pilot Project in November 1996, it took much longer than expected to establish the COLA Partnership Committees and Subcommittees. Therefore, it was necessary to delay the surveys from the February time frame in which OPM originally planned to conduct the survey. The Committees and Subcommittees were established in early spring, 1997; and in April and May 1997, OPM central office staff traveled to each of the COLA areas to discuss with the Committees and Subcommittees plans for the 1997 living-cost surveys. As noted above, OPM adopted several changes in response to Committee and Subcommittee recommendations. In July and August 1997, OPM central office staff returned to the COLA areas to collect living-cost data. During roughly the same time frame, OPM staff collected data in the Washington, DC, area. The prices of some items-- those dependent upon the pricing of other items--were collected later. Limitations on OPM staffing resources and budget allocations also extended the pricing period on these few items. As 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, summer catalogs were used for all catalog items surveyed. Because the surveys were conducted during the summer months, winter items, such as downhill skiing, were not surveyed.
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

[[Page 56438]]

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-collar employees who have annual base salaries between approximately $12,400 and $90,100, the range of the 1996 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 1996 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 identified 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 $22,300, $34,000, and $51,500. 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 1996 distribution of General Schedule employees by salary in each allowance area to derive employment weights. These were combined with similar data from 1994 and 1995 to produce a moving average. (OPM uses moving averages to lessen index changes caused by the introduction of new weights over time.) 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 21 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 1992, 1994, and 1995. 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: (1) to identify appropriate items for the survey and (2) 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 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.\2\ 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.

\2\The midpoint of the moving average of CES data was 1994. Therefore, for the purposes of these regressions, OPM adjusted Federal salaries to reflect 1994 pay rates. OPM used the pay increases for 1995 (2.0%) and 1996 (2.0%) to deflate the 1996 salaries. This produced adjusted Federal salaries of $21,450, $32,700, and $49,500 for use in the regression equations.

Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses

1994 adjusted Goods and Housing Transportation Misc.

Total 1996 income level

income services (percent) (percent) (percent) (percent) level* (percent)

$22,300........................ $21,450

38.90

26.03

18.72

16.34 100.00 34,000......................... 32,700

38.18

24.67

18.54

18.61 100.00 51,500......................... 49,500

37.52

23.43

18.38

20.68 100.00

*Income levels are adjusted as described in footnote 2. (Values may not total because of rounding.)

Goods and Services Component items were further separated into 10 categories, and linear regression techniques were used to estimate expenditures on these 10 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.

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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 consumers purchase (e.g., edam, gouda, jack, swiss, etc). The market basket that OPM 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. On St. Thomas, for example, essentially the whole island is surveyed because the island is not that large and Federal employees live throughout the island. For other areas, specific communities had to be identified. To do this, OPM relied mainly on 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, in consultation with the COLA Partnership Committees and Subcommittees, to select the living communities in which housing costs were priced. OPM, again in consultation with the Committees and Subcommittees, 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, OPM and the Committees/Subcommittees selected outlets that were popular with consumers and that were comparable to outlets in other areas. For example, grocery items were surveyed at supermarkets in all areas because most people purchase their groceries at such stores and because supermarkets are found in nearly all areas.\3\ 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).

\3\Groceries were surveyed at two kinds of supermarkets (i.e., full-service supermarkets and ``warehouse-type'' supermarkets) in areas where both types of supermarkets were common and within a normal shopping radius of the living communities surveyed. OPM notes, however, that some areas do not have warehouse-type supermarkets. Membership stores, such as Costco, were not surveyed in any area.

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. As noted earlier, OPM obtained over 18,000 prices on about 200 items from over 3,500 outlets. In each survey area, OPM attempted to get three price quotes for most items. There were certain exceptions. 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, OPM attempted to get 18 price quotes for most items in this area. 2.5.1 Data Collection To avoid possible conflicts of interest, price data were collected in each area by OPM central office staff. In all of the COLA areas, except Anchorage, a data collection observer, usually designated by the local COLA Partnership Committee or Subcommittee, accompanied OPM staff and advised and assisted in contacting outlets, matching items, selecting substitutes, and generally informing OPM staff on living costs and related compensation issues. OPM found this to be a very informative process. Most data were collected onsite in stores, repair shops, etc. However, many items, such as insurance, home maintenance services, and private education expenses, were priced by telephone. Some items, such as property tax rates, were collected from web sites on the Internet. OPM also purchased home sales and some rental data from various sources. 2.5.2 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. OPM gathered applicable information on taxes by contacting appropriate sources of information in the allowance areas and the Washington, DC, area. 2.5.3 Surveying the Washington, DC, Area As noted above, OPM attempted 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

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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 8. Survey data from each of the six DC survey areas were combined using equal weights. As in the COLA areas, OPM central office staff collected data onsite and by phone in the DC area. Due to funding limitations, allowance area data collection observers did not travel to the DC area to observe and assist in data collection.

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 components, 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 21. 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....................................... $8,675 $5,805

$4,175

$3,644 $22,300 Middle...................................... 12,981

8,388

6,304

6,327 34,000 Upper....................................... 19,323 12,066

9,466

10,650 51,500

(Note: Values may not total because of rounding here and in Table 2-1.)

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), total relative costs were produced separately for owners and 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 22.
Consumption Goods and Services

3.1 Categories and Category Weights

Based on the CES data, OPM identified 10 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 consumer spends in each category at various income levels. The categories and the relative expenditures are shown in the table below:

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Table 3-1.--Category Weights Expressed as a Percentage of Goods and Services Expenditures by Income Level

Income levels Category

-------------------------------------- Lower

Middle Upper

Food at Home.....................

26.85

23.89

21.11 Food Away from Home..............

13.59

14.26

14.88 Tobacco..........................

2.91

2.41

1.95 Alcohol..........................

2.49

2.52

2.54 Furnishings and Household Operations......................

15.19

16.35

17.45 Clothing.........................

13.34

13.95

14.53 Domestic Service.................

1.80

2.03

2.23 Professional Services............

6.97

6.81

6.66 Personal Care....................

3.58

3.49

3.41 Recreation.......................

13.28

14.29

15.24

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 7 shows for each allowance area 10 category indexes, the weights used at each of the 3 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, some employees have such access, so OPM priced the same market basket 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 market basket item found in these facilities. Employees who have access to military facilities make some of their purchases in these facilities and make other purchases elsewhere. Therefore, OPM used the results of a survey of Federal employees to determine the percentage of purchases that families typically make in military facilities versus local outlets. For example, as the following table shows, 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.
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 rental weights shown below and in Appendix 22. OPM excluded data for homeowning families without a mortgage because they were not typical of Federal homeowners in the base area or in the allowance areas.

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Table 4-1.--Owner/Renter Weights

Income levels

Category

Lower

Middle Upper (percent) (percent) (percent)

Homeowner with mortgage..........

38.60

48.05

62.17 Renter...........................

61.40

51.95

37.83

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--three for homeowners and three for renters. These profiles are shown in Table 4.2. One owner and one renter profile was assigned to each income level. OPM attempted to collect information on the living area, numbers and types of rooms, and other information that might influence home sale or rental prices. This information was rarely available for rental units, so OPM relied on bedroom count and living community to segregate rental prices by income level. The additional information shown in Table 4.2, however, was used during the interview of rental brokers to collect broker data. Information about characteristics of houses sold was also difficult to collect on a consistent basis across all areas. Although detailed information about the houses sold was available for many areas, it was not available for other areas, including the District of Columbia and the Maryland suburbs of the Washington, DC, area. The only housing characteristics that were consistently available across all areas were house type and size. OPM surveyed only the prices of single family detached houses in each area and relied mainly on house size and living community to segregate homes sales by income level.\4\ As shown in Table 4.2, these size ranges overlap. Therefore, when housing was priced in the same living community at two or more income levels, the additional information was used to separate home sales observations into the appropriate income level so that no single home sale observation was used at more than one income level.

\4\ In the U.S. Virgin Islands, many of the houses surveyed had apartments within them. Since this is a very common characteristic of housing in that area, exclusion of the price of housing with apartments was not feasible. It is also likely that some of the home sale prices obtained in other areas, including the Washington, DC, area were for housing that had basement or ``mother-in-law'' apartments, although the sources OPM used did not provide that information.

Table 4-2.--Housing Profiles

Renters

Owners

Income level

Additional

Additional Key Characteristic Information Key Characteristic Information

Lower......................... 1 bedroom apartment 3 rooms total, 1 Detached house, 4 rooms total, 2 bath; Reference 600 to 1,200

bedrooms, 1 bath; size: 600 sq. ft.. sq.ft..

Reference size: 900 sq. ft. Middle........................ 2 bedroom apartment 4 rooms total, 2 Detached house, 5 rooms total, 3 baths; Reference 1,000 to 1,600 bedrooms, 1 bath; size: 900 sq. ft.. sq.ft..

Reference size: 1,300 sq. ft. Upper......................... 2 bedroom townhouse 4 rooms total, 2 Detached house, 7 rooms total, 3 or detached house. baths; Reference 1,400 to 2,300 bedrooms, 2 size: 1,100 sq. sq.ft..

baths; Reference ft..

size: 1700 sq. ft.

The reference sizes in Table 4.2 are used for the calculation of utility costs in the model. (See section 4.2.4.1.) As noted above, they are not the only sizes surveyed for each profile. 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 and in consultation with the COLA Partnership Committees and Subcommittees. The communities surveyed are identified in Appendix 8. 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 collected 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 characteristics for the particular income group were included in the analysis. For most areas in which discrete living communities were identified, OPM used zip code boundaries. The exceptions were Anchorage and San Juan. In Anchorage, OPM used the multiple listing service location codes that realtors commonly use in that area. In San Juan, OPM used the name of the municipio or community. 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,

[[Page 56443]]

--Maintenance, and --Telephone expenses. 4.2.4.1 Utilities Electricity, oil, gas, and water were the utilities used in the model. Many 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 4-3.--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, OPM obtained the price of each of the types of utilities noted above. Where available, OPM also gathered from local utility companies average annual consumption data per household information. The local rates and consumption information were used 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, OPM was unable to obtain estimates for electricity usage for houses heated by gas or oil. However, OPM 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, OPM contacted the local tax assessors or municipal web sites on the Internet to obtain real estate tax information on the living communities surveyed. These real estate tax formulas were applied to the median home values for each income level to estimate annual real estate taxes. For San Juan, however, OPM was able to obtain only general information about home assessment values. This information verified data collected during the 1996 survey, which indicated that property taxes were very low in Puerto Rico. Therefore, OPM used the 1996 San Juan property tax expense in this year's calculations. 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. At the request of the Guam COLA Partnership Committee, OPM also collected, on a test basis, renter insurance rates at other levels of coverage. OPM has not had the opportunity to examine these test data in detail. Therefore, they were not used in these calculations. OPM may test price such coverage again in the coming survey. 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. Hurricane insurance was priced for all of the allowance areas in Hawaii and in Guam, Puerto Rico, and the U.S. Virgin Islands. This year, at the request of the Hawaii COLA Partnership Committee, OPM attempted to collect flood insurance information in Hawaii, particularly information on how frequently this type of coverage is required by lenders. The information OPM obtained was sparse and inconclusive. OPM will attempt to collect more information in the coming survey. In research previously conducted for OPM, the contractor found that insurance coverage for disasters, such as floods and earthquakes, was not widely purchased in the allowance areas. Therefore, the COLA model does not include these additional riders. (See section 4.2.4.3 of the Report to OPM on Living Costs in Selected Nonforeign Areas and in the Washington, DC, Area, December 10, 1992, at 57 FR 58556). 4.2.4.4 Home Maintenance Estimated home maintenance expense was computed for each of the homeowner and renter profiles. In previous surveys, OPM used maintenance costs for owners only on the premise that most, if not all, maintenance expenses are covered by the landlord. It was pointed out, however, that this assumption resulted in a mathematical error, albeit a very small one, because of the way OPM uses CES data. Therefore, this year OPM derived from the CES separate home maintenance expenditure amounts for both owners and renters. Not surprisingly, the CES indicates that renters spend relatively little on home maintenance compared with homeowners. As done in previous surveys, OPM 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. At the request of the Hawaii COLA Partnership Committee, OPM also attempted to collect, on a test basis, the cost of termite bait treatment systems. OPM found that this service is not common in some allowance areas nor in the Washington, DC, area. Therefore, the test data were not used. OPM may test price this service again in future surveys. To compute home maintenance cost differences between each allowance area and the Washington, DC, area for the homeowner and renter 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 and renter 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 for owners and renters separately. This cost was assigned to the middle-income homeowner and renter 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 owner and renter multipliers used in the utilities model were applied to recognize differences in maintenance costs due to house size at the various income levels.

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4.2.4.5 Telephone Expenses Telephone expenses consisted of local service charges, additional charges for local calls (if applicable), charges for long distance calls, and basic cellular phone service. To measure estimated expenses for local service and local calls, OPM surveyed the cost of touch-tone service with unlimited calling in each area. To estimate long distance charges in all areas, OPM priced from a major long distance provider 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). As in previous surveys, OPM priced 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. This year, OPM also priced cellular phone service. In each area, OPM priced the basic monthly plan for such service. Weights were derived from CES data to account for the portion consumers spend on regular phone service and cellular phone service. These weights were then used to combine the prices of these two types of phone service.

4.3 Housing Data Collection Procedures

OPM collected home sales information from multiple listing type services and rental information mainly from rental brokers and advertisements. 4.3.1 Homeowner Data Collection OPM obtained the selling prices of homes that matched the housing profiles in each living community for home sales that occurred roughly during the 12-month period preceding and including the survey month. The amount of data obtained depended on the number of home sales in the community and the availability of square footage and other information on housing characteristics. 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 to provide data. Relatively large quantities of home sales data were obtained in all areas except Nome and St. Thomas. In Nome, home sales were extremely limited because Nome is not very large. In St. Thomas, home sales were limited because, at the time of the survey, there was no readily available and comprehensive source of home sales data that provided home size (i.e., square footage) information. OPM obtained a limited amount of St. Thomas home sales information, as well as more general home sale trend information. Analysis of the home sales information indicated that prices on St. Thomas had fallen sharply, but the more general trend information indicated that lower average prices were probably caused by the sale of hurricane damaged properties. It is not OPM's policy to price uninhabitable or severely damaged homes. Therefore, OPM held home prices on St. Thomas constant by using the previous year's data. Identifying houses that were uninhabitable, severely damaged, or otherwise in need of significant repairs was impossible for most areas, given the limited amount of information available from the listing services. As discussed in section 4.4.1 below, OPM uses the median rather than the average home value to compute housing costs. (The median is the middle value in a rank-ordered set of observations and tends to be less sensitive than the average to unusually low or high values at the ends of a range of data.) Nevertheless, in some of the data bases OPM purchased, the quantity of exceptionally low priced homes had a significant effect on the median. Therefore, in all areas OPM trimmed home sale prices that were $30,000 or less, recognizing that $30,000 was probably a conservative price threshold for most areas. No trimming was done at the upper end of the data, even though there were a few very expensive homes in some of the data bases, particularly in Hawaii. OPM plans to review the issue of data trimming with the COLA Partnership Committees and Subcommittees. 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. For each income profile in each allowance area and the Washington, DC, area, OPM computed price per square foot for each of the comparables and determined the median price per square foot. The median was used 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. The median price per square foot was then multiplied by the reference square footage for the income level to determine the home purchase price. 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 9 of this report. For all areas except Oahu, 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. For Oahu, OPM obtained additional historical housing data. As discussed earlier in this report, OPM, at the recommendation of the Hawaii COLA Partnership Committee, surveyed housing prices in new living communities on Oahu. Because OPM's historical data did not cover these communities, OPM obtained and used this additional historical price data.\5\

\5\The Honolulu historical data covered the period from 1988 to 1997. For this year's calculations, OPM needed data for 1987 as well. These data were extrapolated using the relationship of the newly obtained historical data to the previously obtained historical data for 1988.

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 10. 4.4.2 Rental Data Analysis OPM assigned each rental quote to a single income level based on the criteria shown in Table 4-2. 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.

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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 11. As noted in that appendix, OPM found inexplicable rental price trends in some of the data, particularly in the broker data. For example, the median broker rental price at the middle income level was sometimes less than that quoted at the lower income level. Therefore, OPM adjusted the rental data to address these anomalies.

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 12 shows the cost of each of these items for renters and homeowners in each allowance area and in the Washington, DC, area. Appendix 13 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 21 to derive the total, overall indexes for owners and renters.
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 in previous surveys, OPM analyzed automobile transportation costs for three commonly purchased vehicles: a domestic auto, an import auto, and a utility vehicle. New car costs were used for these analyses because it was believed that pricing used vehicles of equivalent quality in each area could introduce inconsistencies because of the value 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, OPM collected new vehicle prices at dealerships in each area. 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 4-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. OPM collected self-service cash prices of unleaded regular gasoline at name-brand gas stations in the Washington, DC, area and in all allowance areas. In Alaska, OPM obtained both the full-service and self-service gasoline prices at stations that offered both and averaged the prices. 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, the fewer miles-per-gallon achieved, and vice versa. According to 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

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concrete and/or high-load asphalt factor was applied to the Federal mileage percentage to produce two weighted average factors--one for the Alaska 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 0.98was 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 table 5-1, 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

0.980.83 Fairbanks...................................................

0.85

0.96

0.980.80 Juneau......................................................

0.89

0.96

0.980.84 Nome........................................................

0.85

0.96

0.980.80 Hawaii......................................................

0.99

0.980.980.95 Virgin Islands..............................................

1.01

0.980.980.97 Puerto Rico.................................................

1.01

0.980.980.97 Guam........................................................

0.99

0.980.980.95 Washington, DC..............................................

0.94

1.00

1.00

0.94

5.2.4 Vehicle Maintenance OPM surveyed the cost of 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, --Muffler/exhaust pipe replacement, --Constant velocity joint (CVJ) boot replacement, and --Windshield replacement. The automobile manufacturers' recommended maintenance schedules were used to determine the frequency of performing each of the first five 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 are normal, and the maintenance schedules used for that area reflected that kind of driving. The recommended frequency of performing each of these jobs was combined with the prices charged by local dealers and service stations to compute an estimated annual maintenance expense. OPM 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. Previous research conducted for OPM revealed varying replacement cycles for constant velocity joint (CVJ) boots 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). OPM used the Washington, DC, area frequency of repair for the other (i.e., non-Alaska) COLA areas. In each area, 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. To determine the frequency of replacement of windshields, OPM contacted local dealers and automobile repair shops. Based on the information obtained, OPM determined that windshield replacement was much more frequent in Alaska than in the other allowance areas or the Washington, DC, area. Therefore, OPM assumed that windshields had to be replaced every 2 years in the Alaska areas but rarely (i.e., never) in the other areas or in the DC area during the 4-year trade cycle used in the COLA model. Windshield replacement, however, is normally covered by the owner's automotive insurance. Therefore, OPM used the deductible rather than the

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surveyed price of windshield replacement, since the deductible was always less than the replacement prices. 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. OPM 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 (but not in the DC area). Therefore, OPM surveyed the prices of studded snow tires for all vehicles in Anchorage, Fairbanks, Juneau, and Nome. OPM also priced the cost of rims and switching snow and street tires semi-annually in these Alaska areas. 5.2.6 License and Registration Fees and Miscellaneous Taxes OPM obtained information regarding license and 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. The used car value was based on information from sources such as the Kelly Blue Book. Although such sources track prices of vehicles sold only in the contiguous 48 States, previous research performed by a contractor for OPM 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 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, OPM 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 OPM surveyed the cost of car insurance in each location. Consistent with the previous year's survey, the following common coverages, limits, and deductibles were used:

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, OPM 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. As had been reported in previous surveys, OPM 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 surveyed 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 coverage 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 15. The procedure used this year was much simpler than that used in previous surveys. Sensitivity analysis indicated that the new procedure produced essentially the same results, and the simpler procedure requires less information from the insurance companies. Therefore, it reduces the public burden of the survey. 5.2.10 Overall Annual Costs As described above, OPM 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 14 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 surveyed 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, St. Louis, and Omaha, NE. These cities were selected to 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 16.

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 17. 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 16 and 18. OPM used national average expenditure data to derive weights that

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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 18.
Miscellaneous Expenses

6.1 Component Overview

The Miscellaneous Expense component consists of four categories of expenses: --Medical care. --Private education (K-12). --Contributions (including gifts to non-family members). --Personal insurance and retirement contributions/investments.

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 20. Item weights are shown in Appendix 19.

Table 6-1.--Miscellaneous Expense Categories and Weights

Income level

Categories

Lower

Middle Upper (percent) (percent) (percent)

Medical Care.....................

40.74

30.79

23.66 Private Education (K-12).........

.87

1.23

1.48 Contributions....................

16.07

16.56

16.91 Personal Insurance and Retirement Contributions...................

42.31

51.42

57.95

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 OPM 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 --Federal health insurance In addition, OPM surveyed the price of hospital attendant services and air ambulance insurance on a test basis in each area. OPM found that hospital attendant services were only available in Puerto Rico, where hospital services are significantly different from those in the Washington, DC, area. Therefore, OPM added the price of daily hospital attendant service to that of a hospital room in Puerto Rico. Air ambulance insurance was found to be available only in the Virgin Islands, where on-island hospital services are limited. Therefore, OPM added the price of air ambulance insurance to the price of health insurance in the Virgin Islands. To address comments OPM had received on previous surveys and to allow the use of air ambulance insurance in this fashion, OPM dropped the constant $100 that had been used for health insurance in previous surveys.\6\ Instead, OPM used Federal employee health benefit enrollment information from OPM's Central Personnel Data File along with Federal health benefit premiums to compute average health benefit expense by areas. These expenses varied by area, and OPM used these averages rather than assuming that costs were constant among areas.

\6\In previous surveys, it had been assumed that the cost of health insurance was constant among areas because the choice of Federal health coverage was considered to be, by and large, a matter of personal preference. Therefore, in those surveys, the index for this item was 100.00.

OPM surveyed the cost of the health care 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. 6.3.2 Private Education (K-12) Category Private education (K-12) was added this year at the recommendation of the Puerto Rico COLA Partnership Committee. Since not everyone sends their children to private school, OPM derived use factors from the results of the 1992/93 Federal Employee Housing and Living Patterns Survey. The following table shows these factors and the resulting adjustment of price indexes by area. The factors reflect the relative extent to which Federal employees make use of private education in the COLA areas compared with the Washington, DC, area. For example, the table indicates a use factor of 4.1066 for Puerto Rico because about 54 percent of Federal employees with school age children there send at least one child to private school compared with about 13 percent for the DC area.

Table 6-2.--Summary of Private Education Use Factors and Indexes

Employees w/children in private schools

Price index Location

Use factor Price index w/use Local area DC area

factor

Anchorage......................................

10.34

13.23 0.7816

55.53

43.40 Fairbanks......................................

8.56

13.23 0.6470

41.59

26.91 Juneau.........................................

12.43

13.23 0.9395

57.30

53.84

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Nome...........................................

8.08

13.23 0.6107

38.42

23.46 Honolulu.......................................

26.86

13.23 2.0302 113.03 229.48 Hilo*..........................................

18.94

13.23 1.4316

44.23

63.32 Kona*..........................................

18.94

13.23 1.4316

87.03 124.59 Kauai..........................................

22.46

13.23 1.6977

95.72 162.50 Maui...........................................

20.39

13.23 1.5412

89.05 137.24 Guam...........................................

42.26

13.23 3.1943

90.95 290.52 Puerto Rico....................................

54.33

13.23 4.1066

66.85 274.52 St. Croix......................................

57.27

13.23 4.3288

90.26 390.72 St. Thomas.....................................

51.90

13.23 3.9229

95.78 375.74

*Use data available only for Hawaii County.

6.3.3 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. 6.3.4 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 20. 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.
Final Results

7.1 Total Comparative Cost Indexes

The total comparative cost indexes appear below. Appendix 22 shows how each index was derived from the component indexes.

Table 7-1.--Final Cost Comparison Indexes

Allowance area

Index

Anchorage, Alaska............................................ 102.93 Fairbanks, Alaska............................................ 107.57 Juneau, Alaska............................................... 111.54 The rest of Alaska........................................... 126.64 City and County of Honolulu, Hawaii.......................... 126.78 Hawaii County, Hawaii........................................ 110.85 Kauai County, Hawaii......................................... 114.92 Maui County, Hawaii.......................................... 118.84 Guam/CNMI*, Local Retail..................................... 121.77 Guam/CNMI, Commissary/Exchange............................... 118.23 Puerto Rico.................................................. 105.42 U.S. Virgin Islands.......................................... 119.09

*CNMI=Commonwealth of the Northern Mariana Islands

Appendix 1.--Publication in the Federal Register of Results of Nonforeign Area Living-Cost Surveys: 1990-1997

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.

[[Page 56450]]

62 FR 14190............... Office of Personnel Results of 1996 Management: Report living-cost surveys on 1996 Surveys Used conducted in Alaska, to Determine Cost-of- Hawaii, Guam, Puerto Living Allowances in Rico, and the U.S. Nonforeign Areas. Virgin Islands.

Appendix 2.--Multiple Survey Areas:1997 Survey [Federal Employment Weights Within a Single Allowance Area]

Location

1994

1995

1996 Average Weights

Hawaii County

Hilo............................................

310

304

308

307 75.99

Kona............................................

99

97

96

97 24.01

Total....................................... .......... .......... ..........

404 100.00

Virgin Islands

St. Croix.......................................

151

154

166

157 48.76

St. Thomas/St. John.............................

166

160

170

165 51.24

Total....................................... .......... .......... ..........

322 100.00

Multiple Income Levels: 1997 Survey [Federal Employment Weights Within a Single Allowance Area]

Location and income level

1994

1995

1996 Average Weights

Anchorage:

Lower........................................... 1,609 1,540 1,445 1,531 26.11

Middle.......................................... 1,971 1,754 1,719 1,815 30.95

Upper........................................... 2,583 2,522 2,448 2,518 42.94 Totals........................................ .......... .......... .......... 5,864 100.00

Fairbanks:

Lower...........................................

444

388

449

427 33.54

Middle..........................................

442

446

456

448 35.19

Upper...........................................

392

405

397

398 31.26 Totals........................................ .......... .......... .......... 1,273 99.99

Juneau:

Lower...........................................

145

139

126

137 19.77

Middle..........................................

220

203

199

207 29.87

Upper...........................................

360

341

346

349 50.36 Totals........................................ .......... .......... ..........

693 100.00

Rest of Alaska:

Lower...........................................

414

349

363

375 24.32

Middle..........................................

722

703

687

704 45.65

Upper...........................................

445

481

462

463 30.03 Totals........................................ .......... .......... .......... 1,542 100.00

Honolulu:

Lower........................................... 4,239 4,140 4,453 4,277 33.20

Middle.......................................... 4,171 3,952 4,009 4,044 31.40

Upper........................................... 4,689 4,514 4,476 4,560 35.40 Totals........................................ .......... .......... .......... 12,881 100.00

Hawaii:

Lower...........................................

165

139

152

152 37.16

Middle..........................................

154

164

163

160 39.12

Upper...........................................

91

98101

97 23.72 Totals........................................ .......... .......... ..........

409 100.00

Kauai:

Lower...........................................

81

73

59

71 29.10

Middle..........................................

84

76

80

80 32.79

Upper...........................................

89

97

92

93 38.11 Totals........................................ .......... .......... ..........

244 100.00

[[Page 56451]]

Maui:

Lower...........................................

39

35

35

36 24.66

Middle..........................................

56

59

62

59 40.41

Upper...........................................

51

51

51

51 34.93 Totals........................................ .......... .......... ..........

146 100.00

Guam/CNMI:

Lower........................................... 1,060

947

873

960 46.00

Middle..........................................

681

669

640

663 31.77

Upper...........................................

498

464

430

464 22.23 Totals........................................ .......... .......... .......... 2,087 100.00

Puerto Rico:

Lower........................................... 2,428 2,370 2,281 2,360 40.42

Middle.......................................... 2,184 2,166 2,177 2,176 37.27

Upper........................................... 1,321 1,303 1,286 1,303 22.32 Totals........................................ .......... .......... .......... 5,839 100.01

Virgin Islands:

Lower...........................................

114

98123

112 34.67

Middle..........................................

128

133

137

133 41.18

Upper...........................................

75

83

76

78 24.15 Totals........................................ .......... .......... ..........

323 100.00

Appendix 3--Consumer Expenditure Surveys [Pre-published Data for All Consumer Units Nationwide*]

Total complete reporting

1992

1994

1995

Average

Average Before Tax Income....................... 33,854.00 36,838.00 36,948.00 35,880.00 Average annual expenditures..................... 30,527.49 32,762.99 33,610.38 32,300.29 Food..........................................

4,358.56

4,526.94

4,690.51

4,525.34

Food at home................................

2,684.35

2,764.21

2,885.982,778.18 Cereals and bakery products...............

418.15

439.36

454.64

437.38 Cereals and cereal products.............

144.15

166.94

169.16

160.08 Flour.................................

7.21

7.93

8.93

8.02 Prepared flour mixes..................

13.62

13.20

13.29

13.37 Ready-to-eat and cooked cereals.......

88.39

102.02

99.83

96.75 Rice..................................

12.67

15.47

19.43

15.86 Pasta, cornmeal and other cereal products.............................

22.27

28.32

27.68

26.09 Bakery products.........................

274.00

272.42

285.49

277.30 Bread.................................

77.58

77.20

78.18

77.65 White bread.........................

38.04

38.02

38.37

38.14 Bread, other than white.............

39.54

39.17

39.81

39.51 Crackers and cookies..................

67.10

64.36

70.09

67.18 Cookies.............................

40.75

43.78

46.76

43.76 Crackers............................

26.34

20.58

23.33

23.42 Frozen and refrigerated bakery products.............................

21.06

22.16

22.42

21.88 Other bakery products.................

108.27

108.70

114.79

110.59 Biscuits and rolls..................

35.55

37.26

39.48

37.43 Cakes and cupcakes..................

31.67

31.12

36.15

32.98 Bread and cracker products..........

4.70

4.68

4.45

4.61 Sweetrolls, coffee cakes, doughnuts.

24.93

23.08

21.57

23.19 Pies, tarts, turnovers..............

11.41

12.55

13.14

12.37 Meats, poultry, fish, and eggs............

687.17

728.89

758.30

724.79 Beef....................................

210.36

226.73

232.15

223.08 Ground beef...........................

87.67

89.79

87.81

88.42 Roast.................................

37.74

37.79

40.70

38.74 Chuck roast.........................

13.48

12.10

12.54

12.71 Round roast.........................

12.96

14.18

13.55

13.56 Other roast.........................

11.30

11.51

14.62

12.48 Steak.................................

69.00

85.81

87.57

80.79 Round steak.........................

14.63

16.44

18.92

16.66 Sirloin steak.......................

17.72

24.09

22.70

21.50 Other steak.........................

36.65

45.28

45.95

42.63 Other beef............................

15.95

13.34

16.06

15.12 Pork....................................

155.56

154.66

157.51

155.91 Bacon.................................

20.47

23.01

20.26

21.25

[[Page 56452]]

Pork chops............................

34.88

37.47

39.03

37.13 Ham...................................

42.73

36.74

38.51

39.33 Ham, not canned.....................

38.9833.91

36.23

36.37 Canned ham..........................

3.75

2.84

2.28

2.96 Sausage...............................

23.29

22.63

21.35

22.42 Other pork............................

34.19

34.80

38.36

35.78 Other meats.............................

94.58

94.34

105.31

98.08 Frankfurters..........................

21.19

19.13

22.78

21.03 Lunch meats (cold cuts)...............

63.56

65.67

71.55

66.93 Bologna, liverwurst, salami.........

22.91

23.25

25.15

23.77 Other lunch meats...................

40.65

42.41

46.40

43.15 Lamb, organ meats and others..........

9.84

9.54

10.9810.12 Lamb and organ meats................

8.74

9.31

8.92

8.99 Mutton, goat and game...............

1.10

0.24

2.06

1.13 Poultry.................................

123.39

135.32

136.43

131.71 Fresh and frozen chickens.............

91.28

107.49

105.79

101.52 Fresh whole chicken.................

19.61

NA

NA

NA Fresh and frozen whole chicken......

NA

29.05

28.37

25.68 Fresh and frozen chicken parts......

71.67

78.44

77.43

75.85 Other poultry, incl. whole frozen chickens.............................

32.10

NA

NA

NA Other poultry.........................

NA

27.83

30.64

30.19 Fish and seafood........................

74.99

87.13

95.34

85.82 Canned fish and seafood...............

17.46

15.60

17.95

17.00 Fresh and frozen shellfish............

21.36

NA

NA

21.36 Fresh and frozen finfish..............

36.17

NA

NA

36.17 Fresh fish and shellfish..............

NA

48.29

50.11

49.20 Frozen fish and shellfish.............

NA

23.23

27.28

25.26 Eggs....................................

28.30

30.72

31.55

30.19 Dairy products............................

307.10

297.87

311.48

305.48 Fresh milk and cream....................

136.59

131.98129.41

132.66 Whole milk............................

47.69

NA

NA

NA Other milk and cream..................

88.90

NA

NA

NA Fresh milk, all types.................

NA

123.44

119.84

121.64 Cream.................................

NA

8.55

9.56

9.06 Other dairy products....................

170.52

165.88

182.07

172.82 Butter................................

9.71

11.78

13.03

11.51 Cheese................................

87.72

84.78

93.13

88.54 Ice cream and related products........

51.93

48.15

53.06

51.05 Miscellaneous dairy products..........

21.16

21.17

22.85

21.73 Fruits and vegetables.....................

435.20

446.10

467.45

449.58 Fresh fruits............................

129.17

135.12

148.22

137.50 Apples................................

26.64

25.34

29.9827.32 Bananas...............................

26.48

30.25

31.09

29.27 Oranges...............................

13.23

16.05

16.21

15.16 Other fresh fruits....................

62.82

63.49

70.94

65.75 Fresh vegetables........................

127.84

138.99

140.83

135.89 Potatoes..............................

24.56

28.24

28.75

27.18 Lettuce...............................

16.33

17.65

18.31

17.43 Tomatoes..............................

19.85

21.59

21.89

21.11 Other fresh vegetables................

67.10

71.52

71.89

70.17 Processed fruits........................

102.67

95.31

96.9898.32 Frozen fruits and fruit juices........

21.35

16.38

17.35

18.36 Frozen orange juice.................

13.34

9.57

9.19

10.70 Other frozen fruits and juices......

8.01

6.81

8.15

7.66 Canned and dried fruits...............

23.48

21.11

20.11

21.57 Fresh, canned or bottled fruit juices.

57.83

57.83

59.52

58.39 Processed vegetables....................

75.53

76.68

81.42

77.88 Frozen vegetables.....................

25.46

24.78

29.55

26.60 Canned and dried vegetables and juices

50.07

51.90

51.88

51.28 Canned beans........................

10.09

10.61

11.26

10.65 Canned corn.........................

7.40

6.99

6.80

7.06 Other canned and dried veg. and juices.............................

32.59

34.30

33.80

33.56 Other food at home........................

836.73

851.99

894.10

860.94 Sugar and other sweets..................

106.24

110.67

119.49

112.13 Candy and chewing gum.................

62.86

66.52

73.02

67.47 Sugar.................................

18.12

18.30

17.88

18.10 Artificial sweeteners.................

3.24

3.57

4.56

3.79 Jams, preserves, other sweets.........

22.02

22.28

24.02

22.77 Fats and oils...........................

73.79

80.76

83.63

79.39

[[Page 56453]]

Margarine.............................

14.56

14.68

13.13

14.12 Other fats, oils, and salad dressing..

40.94

47.48

51.88

46.77 Nondairy cream and imitation milk.....

6.75

6.71

6.96

6.81 Peanut butter.........................

11.53

11.89

11.66

11.69 Miscellaneous foods.....................

393.26

369.77

394.39

385.81 Frozen prepared foods.................

73.99

65.79

69.94

69.91 Frozen meals........................

22.99

20.54

21.71

21.75 Other frozen prepared foods.........

51.01

45.25

48.22

48.16 Canned and packaged soups.............

25.44

30.21

31.92

29.19 Potato chips, nuts, and other snacks..

78.63

75.91

84.32

79.62 Potato chips and other snacks.......

62.34

59.81

65.63

62.59 Nuts................................

16.29

16.10

18.69

17.03 Condiments and seasonings.............

90.44

82.47

89.18

87.36 Salt, spices, other seasonings......

20.79

19.68

20.55

20.34 Olives, pickles, relishes...........

10.82

10.76

10.13

10.57 Sauces and gravies..................

43.55

38.05

41.78

41.13 Baking needs and misc. products.....

15.29

13.9816.71

15.33 Other canned and packaged prepared foods................................

124.75

115.39

119.03

119.72 Salads and desserts.................

20.42

19.30

23.19

20.97 Baby food...........................

24.11

27.68

25.42

25.74 Miscellaneous prepared foods........

80.22

68.41

70.42

73.02 Nonalcoholic beverages..................

219.33

241.81

250.31

237.15 Cola..................................

86.71

93.27

94.76

91.58 Other carbonated drinks...............

40.41

40.20

43.28

41.30 Coffee................................

40.13

43.29

47.76

43.73 Roasted coffee......................

24.56

29.20

32.11

28.62 Instant and freeze dried coffee.....

15.57

14.09

15.65

15.10 Noncarbonated fruit flavored drinks...

20.15

NA

NA

NA Noncarbonated fruit flavored drinks, inc. non-frozen lemonade.............

NA

23.02

25.18

22.78 Tea...................................

14.26

16.75

16.01

15.67 Nonalcoholic beer....................

NA

0.76

1.17

0.97 Other nonalcoholic beverages..........

17.68

24.52

22.13

21.44 Food prepared by consumer unit on out-of- town trips.............................

44.12

48.9846.29

46.46

Food away from home.........................

1,674.21

1,762.72

1,804.53

1,747.15 Meals at restaurants, carry-outs and other

1,344.40

1,363.26

1,426.22

1,377.96 Lunch...................................

476.89

475.88

499.50

484.09 Dinner..................................

619.67

668.88

691.44

660.00 Snacks and nonalcoholic beverages.......

141.35

110.46

126.30

126.04 Breakfast and brunch....................

106.49

108.05

108.98107.84 Board (including at school)...............

46.92

50.40

58.40

51.91 Catered affairs...........................

40.77

55.38

37.05

44.40 Food on out-of-town trips.................

167.14

213.45

204.85

195.15 School lunches............................

47.40

54.93

49.47

50.60 Meals as pay..............................

27.58

25.30

28.53

27.14 Alcoholic beverages...........................

321.12

296.57

301.83

306.51

At home.....................................

177.01

175.40

179.33

177.25 Beer and ale..............................

99.54

108.74

94.20

100.83 Whiskey...................................

14.23

14.25

12.83

13.77 Wine......................................

43.11

36.06

54.77

44.65 Other alcoholic beverages.................

20.13

16.36

17.53

18.01

Away from home..............................

144.11

121.17

122.51

129.26 Beer and ale..............................

48.77

42.50

36.61

42.63 Wine......................................

22.95

16.74

22.55

20.75 Other alcoholic beverages.................

47.06

30.22

33.33

36.87 Alcoholic beverages purchased on trips....

25.34

31.71

30.02

29.02 Housing.......................................

9,528.41 10,189.41 10,576.9810,098.27

Shelter.....................................

5,431.78

5,695.83

5,912.61

5,680.07 Owned dwellings...........................

3,307.24

3,464.04

3,750.08

3,507.12 Mortgage interest and charges...........

1,984.40

1,925.26

2,120.77

2,010.14 Mortgage interest.....................

1,856.78

1,825.30

1,997.99

1,893.36 Interest paid, home equity loan.......

63.99

44.67

56.26

54.97 Interest paid, home equity line of credit...............................

63.32

54.73

66.06

61.37 Prepayment penalty charges............

0.31

0.56

0.46

0.44 Property taxes..........................

760.97

879.41

909.28

849.89 Maintenance, repairs, insurance, other expenses...............................

561.86

659.37

720.02

647.08 Homeowners and related insurance......

176.37

209.07

224.86

203.43 Fire and extended coverage..........

5.02

6.34

7.31

6.22 Homeowners insurance................

171.35

202.73

217.55

197.21 Ground rent...........................

33.40

40.26

33.61

35.76

[[Page 56454]]

Maintenance and repair services.......

268.09

312.65

366.16

315.63 Painting and papering...............

37.27

43.27

38.26

39.60 Plumbing and water heating..........

34.02

36.45

32.01

34.16 Heat, a/c, electrical work..........

53.14

55.08

75.83

61.35 Roofing and gutters.................

40.9848.91

66.13

52.01 Other repair and maintenance services (old).....................

91.16

NA

NA

NA Other repair and maintenance services...........................

NA

112.39

136.51

113.35 Repair and replacement of hard surface flooring...................

10.16

14.76

15.56

13.49 Repair of built-in appliances.......

1.36

1.78

1.86

1.67 Maintenance and repair commodities....

63.89

75.59

70.72

70.07 Paints, wallpaper and supplies......

16.50

18.95

19.73

18.39 Tools and equipment for painting and wallpapering.......................

1.77

2.04

2.12

1.98 Plumbing supplies and equipment.....

5.96

8.57

7.42

7.32 Electrical supplies, heating and cooling equipment..................

7.13

5.86

4.97

5.99 Materials for hard surface flooring, repair/replacement.................

3.13

5.08

3.33

3.85 Materials and equipment for roof and gutters............................

6.20

5.94

4.96

5.70 Materials for plaster, paneling, siding, doors, etc.................

7.29

12.78

10.72

10.26 Materials for patio, walk, fence, driveway, etc......................

0.67

0.52

0.59

0.59 Materials for landscaping maintenance........................

1.15

1.48

1.66

1.43 Miscellaneous supplies and equipment

14.08

14.37

15.22

14.56 Material for insulation, other maint., and repair...............

7.84

10.19

11.05

9.69 Materials to finish basements, remodeling, etc..................

6.24

4.18

4.17

4.86 Property management and security......

20.12

21.59

24.67

22.13 Property management.................

13.24

12.78

18.44

14.82 Management and upkeep services for security...........................

6.88

8.81

6.22

7.30 Parking...............................

NA

0.21

0.00

0.11 Rented dwellings..........................

1,787.19

1,828.52

1,786.70

1,800.80 Rent....................................

1,714.30

1,755.05

1,716.57

1,728.64 Rent as pay.............................

37.09

42.31

48.19

42.53 Maintenance, insurance and other expenses...............................

35.80

31.16

21.94

29.63 Tenant's insurance....................

9.16

9.65

7.50

8.77 Maintenance and repair services.......

11.88

11.56

5.29

9.58 Repair or maintenance services (old)

11.52

NA

NA

NA Repair or maintenance services......

NA

10.37

4.97

8.95 Repair and replacement of hard surface flooring...................

0.29

1.05

0.25

0.53 Repair of built-in appliances.......

0.07

0.13

0.07

0.09 Maintenance and repair commodities....

14.76

9.95

9.15

11.29 Paint, wallpaper, and supplies......

1.70

2.09

1.62

1.80 Tools and equipment for painting and wallpapering.......................

0.18

0.22

0.17

0.19 Materials for plastering, panels, roofing, gutters, etc..............

2.86

1.23

0.87

1.65 Materials for patio, walk, fence, driveway, etc......................

0.04

0.09

0.04

0.06 Plumbing supplies and equipment.....

0.55

0.70

1.35

0.87 Electrical supplies, heating and cooling equipment..................

0.26

1.36

0.37

0.66 Miscellaneous supplies and equipment

7.71

3.41

4.00

5.04 Material for insulation, other maintenance and repair...........

1.51

1.13

1.51

1.38 Termite and pest control (capital improvement).....................

NA

NA

0.00

0.00 Materials for additions, finishing basements, etc...................

5.90

1.67

2.44

3.34 Construction materials for jobs not started......................

0.30

0.61

0.04

0.32 Material for hard surface flooring..

0.90

0.54

0.27

0.57 Material for landscape maintenance..

0.55

0.31

0.47

0.44 Other lodging.............................

337.35

403.28

375.83

372.15 Owned vacation homes....................

115.29

122.14

110.00

115.81 Mortgage interest and charges.........

54.55

43.30

38.31

45.39 Mortgage interest...................

50.60

39.56

36.36

42.17 Interest paid, home equity loan.....

1.06

0.43

0.15

0.55 Interest paid, home equity line of credit.............................

2.88

3.31

1.80

2.66 Prepayment penalty charge...........

NA

NA

NA

NA Property taxes........................

42.04

51.02

48.11

47.06 Maintenance, insurance, and other expenses.............................

18.70

27.82

23.58

23.37 Homeowners and related insurance....

4.10

7.66

5.66

5.81 Homeowners insurance..............

3.86

7.35

5.53

5.58 Fire and extended coverage........

0.24

0.31

0.14

0.23 Ground rent.........................

1.75

3.62

2.15

2.51 Maintenance and repair services.....

7.53

11.87

11.13

10.18 Repair and remodeling services (old)............................

7.39

NA

NA

NA Repair and remodeling services....

NA

11.40

11.07

9.95 Repair and replacement of hard surface flooring.................

0.15

0.47

0.06

0.23 Maintenance and repair commodities..

1.97

1.35

2.35

1.89 Paints, wallpaper, supplies.......

1.31

0.16

0.58

0.68

[[Page 56455]]

Tools and equipment for painting and wallpapering.................

0.14

0.02

0.06

0.07 Materials for plaster., panel., roof., gutters, etc..............

0.07

0.10

0.51

0.23 Material for patio, walk, fence, drive, masonry, etc..............

0.01

NA

NA

0.01 Plumbing supplies and equipment...

0.32

0.05

0.07

0.15 Electrical supplies, heating and cooling equipment................

0.03

NA

NA

0.03 Miscellaneous supplies and equipment........................

0.09

0.99

0.29

0.46 Material for insulation, other maintenance and repair.........

0.09

0.99

0.29

0.46 Material for finishing basements & remodeling rooms.............

NA

NA

NA

0.00 Materials for hard surface flooring.........................

NA

0.03

0.84

0.44 Materials for landscaping maintenance......................

NA

NA

NA

0.00 Property management and security....

3.35

3.27

2.28

2.97 Property management...............

2.25

2.36

1.51

2.04 Management and upkeep services for security.........................

1.10

0.91

0.77

0.93 Parking.............................

NA

0.06

NA

0.06 Housing while attending school..........

54.71

59.54

56.69

56.98 Lodging on out-of-town trips............

167.34

221.60

209.14

199.36

Utilities, fuels, and public services.......

1,962.49

2,170.32

2,180.19

2,104.33 Natural gas...............................

246.97

280.09

268.59

265.22 Utility--natural gas (renter)...........

55.9860.54

60.43

58.98 Utility--natural gas (owned home).......

189.86

216.97

206.77

204.53 Utility--natural gas (owned vacation)...

1.07

2.53

1.25

1.62 Utility--natural gas (rented vacation)..

0.06

0.05

0.14

0.08 Electricity...............................

770.65

846.21

854.21

823.69 Electricity (renter)....................

201.59

207.80

201.80

203.73 Electricity (owned home)................

562.26

630.39

643.72

612.12 Electricity (owned vacation)............

6.59

7.36

7.78

7.24 Electricity (rented vacation)...........

0.20

0.65

0.92

0.59 Fuel oil and other fuels..................

93.93

98.11

85.56

92.53 Fuel oil................................

55.61

59.27

48.19

54.36 Fuel oil (renter).....................

7.00

6.49

3.92

5.80 Fuel oil (owned home).................

48.25

52.38

43.76

48.13 Fuel oil (owned vacation).............

0.36

0.40

0.47

0.41 Fuel oil (rented vacation)............

NA

NA

0.04

0.04 Coal....................................

2.50

1.66

2.47

2.21 Coal (renter).........................

0.05

0.55

0.10

0.23 Coal (owned home).....................

2.44

1.12

2.37

1.98 Coal (owned vacation).................

0.02

NA

NA

0.02 Coal (rented vacation)................

NA

NA

NA

0.00 Bottled gas.............................

27.18

30.68

28.71

28.86 Gas, btld/tank (renter)...............

4.79

4.19

4.12

4.37 Gas, btld/tank (owned home)...........

20.75

23.43

21.80

21.99 Gas, btld/tank (owned vacation).......

1.64

3.03

2.78

2.48 Gas, btld/tank (rented vacation)......

NA

0.04

0.02

0.03 Wood and other fuels....................

8.64

6.49

6.19

7.11 Wood/other fuels (renter).............

1.59

0.61

0.80

1.00 Wood/other fuels (owned home).........

6.71

5.81

5.36

5.96 Wood/other fuels (owned vacation).....

0.34

0.06

0.04

0.15 Wood/other fuels (rented vacation)....

NA

NA

NA

0.00 Telephone services........................

619.87

688.52

709.69

672.69 Telephone (old).........................

0.00

NA

NA

NA Telephone services in home city, excluding car phones...................

619.87

674.31

683.24

659.14 Telephone services for mobile car phones

NA

14.21

26.45

20.33 Water and other public services...........

231.08

257.41

262.14

250.21 Water and sewerage maintenance..........

160.22

182.67

188.59

177.16 Water/sewer maint. (renter)...........

24.38

26.75

26.25

25.79 Water/sewer maint. (owned home).......

133.69

154.37

160.72

149.59 Water/sewer maint. (owned vacation)...

2.10

1.50

1.47

1.69 Water/sewer maint. (rented vacation)..

0.05

0.04

0.16

0.08 Trash and garbage collection............

69.38

73.48

71.56

71.47 Trash/garb. coll. (renter)............

7.37

9.37

8.40

8.38 Trash/garb. coll. (owned home)........

59.92

62.61

62.16

61.56 Trash/garb. coll. (owned vacation)....

2.09

1.45

0.96

1.50 Trash/garb. coll. (rented vacation)...

0.01

0.04

0.05

0.03 Septic tank cleaning....................

1.47

1.26

1.99

1.57 Septic tank clean. (renter)...........

0.11

0.01

0.02

0.05 Septic tank clean. (owned home).......

1.29

1.23

1.88

1.47 Septic tank clean. (owned vacation)...

0.07

NA

0.08

0.08 Septic tank clean. (rented vacation)..

NA

0.01

NA

0.01

Household operations........................

487.20

499.86

517.87

501.64

[[Page 56456]]

Personal services.........................

253.05

240.70

263.71

252.49 Babysitting.............................

85.92

81.17

78.64

81.91 Care for elderly, invalids, handicapped, etc....................................

43.92

19.24

32.74

31.97 Day-care centers, nursery, and preschools.............................

123.21

140.29

152.33

138.61 Other household expenses..................

234.15

259.16

254.16

249.16 Housekeeping services...................

71.70

82.83

86.51

80.35 Gardening, lawn care service............

64.99

69.73

63.82

66.18 Water softening service.................

3.28

2.65

3.12

3.02 Household laundry, dry cleaning, sent out (nonclothing)......................

2.32

1.79

1.78

1.96 Coin-operated laundry and dry cleaning (nonclothing)..........................

5.58

5.40

4.72

5.23 Services for termite/pest control maintenance............................

NA

7.46

12.01

9.73 Other home services.....................

18.38

20.11

16.38

18.29 Termite/pest control products...........

0.29

0.29

0.13

0.24 Moving, storage, freight express........

24.37

27.54

27.59

26.50 Appliance repair, including service center.................................

15.88

15.24

15.45

15.52 Reupholstering, furniture repair........

18.56

11.03

11.54

13.71 Repair/rental of lawn/garden equipment, tools, etc.............................

3.74

9.20

5.85

6.26 Appliance rental........................

1.86

1.55

1.76

1.72 Rental of office equipment for nonbusiness use........................

0.13

0.31

0.35

0.26 Repair of misc. household equipment and furnishings............................

1.89

2.46

1.982.11 Repair of computer systems for nonbusiness use........................

1.19

1.57

1.18

1.31 Rental/installation of dishwashers, range hoods, etc.......................

NA

NA

NA

0.00

Housekeeping supplies.......................

462.61

424.30

465.39

450.77 Laundry and cleaning supplies.............

123.97

117.94

117.93

119.95 Soaps and detergents....................

70.41

66.49

66.92

67.94 Other laundry cleaning products.........

53.56

51.45

51.00

52.00 Other household products..................

211.79

187.75

207.85

202.46 Cleansing and toilet tissue, paper towels and napkins.....................

60.52

60.17

65.62

62.10 Miscellaneous household products........

94.75

80.66

74.41

83.27 Lawn and garden supplies................

56.52

46.92

67.82

57.09 Postage and stationery....................

126.85

118.61

139.62

128.36 Stationery, stationery supplies, giftwraps..............................

62.59

62.86

68.49

64.65 Postage.................................

64.26

55.74

71.12

63.71

Household furnishings and equipment.........

1,184.33

1,399.10

1,500.92

1,361.45 Household textiles........................

94.56

106.15

107.85

102.85 Bathroom linens.........................

15.62

13.89

17.82

15.78 Bedroom linens..........................

43.17

52.67

47.70

47.85 Kitchen and dining room linens..........

7.84

7.27

9.73

8.28 Curtains and draperies..................

19.11

19.08

18.51

18.90 Slipcovers, decorative pillows..........

1.42

2.08

1.38

1.63 Sewing material for slipcovers, curtains, etc..........................

6.54

10.11

11.54

9.40 Other linens............................

0.86

1.04

1.18

1.03 Furniture.................................

316.15

323.70

320.03

319.96 Mattress and springs....................

38.97

44.00

41.99

41.65 Other bedroom furniture.................

57.57

53.64

52.39

54.53 Sofas...................................

70.67

76.89

69.70

72.42 Living room chairs......................

30.70

34.47

35.69

33.62 Living room tables......................

17.63

14.27

17.12

16.34 Kitchen, dining room furniture..........

42.37

49.61

48.99

46.99 Infants' furniture......................

6.74

6.04

6.46

6.41 Outdoor furniture.......................

11.02

12.29

10.46

11.26 Occasional furniture....................

40.48

32.50

37.23

36.74 Floor coverings...........................

61.08

131.65

211.89

134.87 Wall-to-wall carpeting (renter).........

2.57

2.50

4.40

3.16 Wall-to-wall carpet, installed (renter).............................

2.05

2.12

3.79

2.65 Wall-to-wall carpet, not installed carpet squares (renter)..............

0.52

0.38

0.61

0.50 Wall-to-wall carpet (replacement) (owned home)..................................

29.06

34.44

33.43

32.31 Wall-to-wall carpet, not installed, carpet squares (owner)...............

1.89

1.81

2.20

1.97 Wall-to-wall carpet, installed (replacement) (owner)................

27.17

32.63

31.24

30.35 Room size rugs and other floor covering, nonpermanent...........................

29.45

94.72

174.05

99.41 Major appliances..........................

144.89

152.32

155.56

150.92 Dishwashers (built-in), garbage disposals, etc. (renter)...............

0.16

0.75

1.00

0.64 Dishwashers (built-in), garbage disposals, etc. (owner)................

7.21

10.97

9.72

9.30 Refrigerators, freezers (renter)........

8.38

6.90

6.34

7.21 Refrigerators, freezers (owned home)....

33.30

38.91

41.01

37.74 Washing machines (renter)...............

6.28

6.05

4.51

5.61 Washing machines (owned home)...........

15.85

14.39

15.37

15.20 Clothes dryers (renter).................

3.35

4.04

2.99

3.46 Clothes dryers (owned home).............

9.78

9.31

11.07

10.05

[[Page 56457]]

Cooking stoves, ovens (renter)..........

3.11

2.42

2.79

2.77 Cooking stoves, ovens (owned home)......

14.81

22.97

18.73

18.84 Microwave ovens (renter)................

3.09

3.35

3.29

3.24 Microwave ovens (owned home)............

4.74

6.48

5.74

5.65 Portable dishwasher (renter)............

0.11

0.08

0.21

0.13 Portable dishwasher (owned home)........

1.15

0.49

0.64

0.76 Window air conditioners (renter)........

1.18

2.83

3.08

2.36 Window air conditioners (owned home)....

3.31

3.93

9.56

5.60 Electric floor cleaning equipment.......

13.63

13.92

13.86

13.80 Sewing machines.........................

5.15

2.92

4.88

4.32 Miscellaneous household appliances......

10.29

1.61

0.75

4.22 Small appliances, miscellaneous housewares

86.46

85.73

90.94

87.71 Housewares..............................

62.47

60.60

67.05

63.37 Plastic dinnerware....................

1.61

1.60

1.69

1.63 China and other dinnerware............

11.60

11.63

12.23

11.82 Flatware..............................

3.97

5.16

4.46

4.53 Glassware.............................

13.59

8.14

7.26

9.66 Silver serving pieces.................

1.35

1.31

2.20

1.62 Other serving pieces..................

1.59

1.63

1.26

1.49 Nonelectric cookware..................

11.66

15.22

16.70

14.53 Tableware, nonelectric kitchenware....

17.08

15.92

21.25

18.08 Small appliances........................

23.99

25.13

23.90

24.34 Small electric kitchen appliances.....

18.75

18.19

16.55

17.83 Portable heating and cooling equipment

5.23

6.94

7.34

6.50 Miscellaneous household equipment.........

481.19

599.55

614.64

565.13 Window coverings........................

17.37

14.48

11.21

14.35 Infants' equipment......................

5.52

7.46

8.08

7.02 Laundry and cleaning equip..............

10.99

11.25

12.49

11.58 Outdoor equipment.......................

4.83

5.48

4.61

4.97 Clocks..................................

3.38

5.32

3.28

3.99 Lamps and lighting fixtures.............

26.10

36.9833.94

32.34 Other household decorative items........

111.16

119.06

158.39

129.54 Telephones and accessories..............

20.55

38.10

16.02

24.89 Lawn and garden equipment...............

43.15

53.17

44.68

47.00 Power tools.............................

16.15

13.51

16.39

15.35 Small miscellaneous furnishings.........

1.15

1.88

2.64

1.89 Hand tools..............................

14.07

9.88

11.9811.98 Indoor plants, fresh flowers............

53.49

52.70

49.20

51.80 Closet and storage items................

12.21

8.33

8.09

9.54 Rental of furniture.....................

3.67

4.53

3.62

3.94 Luggage.................................

7.04

8.00

10.25

8.43 Computers and computer hardware nonbusiness use........................

63.66

115.01

145.69

108.12 Computer software/accessories for nonbusiness use........................

9.48

20.05

19.51

16.35 Telephone answering devices.............

4.64

3.95

3.74

4.11 Calculators.............................

1.57

2.35

2.10

2.01 Business equipment for home use.........

4.23

4.75

4.63

4.54 Other hardware..........................

13.74

25.27

16.69

18.57 Smoke alarms (owned home)...............

0.47

0.86

1.32

0.88 Smoke alarms (renter)...................

0.06

0.15

0.18

0.13 Smoke alarms (owned vacation)...........

NA

NA

NA

0.00 Other household appliances (owned home).

4.40

6.69

4.94

5.34 Other household appliances (renter).....

0.99

1.36

1.10

1.15 Miscellaneous household equipment and parts..................................

27.08

28.95

19.90

25.31 Apparel and services..........................

1,732.90

1,688.22

1,770.53

1,730.55

Men and boys................................

436.86

418.74

437.23

430.94 Men, 16 and over..........................

353.05

320.76

339.22

337.68 Men's suits.............................

43.9832.42

33.44

36.61 Men's sportcoats, tailored jackets......

12.04

13.87

13.43

13.11 Men's coats and jackets.................

26.12

29.56

31.87

29.18 Men's underwear.........................

14.13

12.90

19.04

15.36 Men's hosiery...........................

13.73

10.30

14.66

12.90 Men's nightwear.........................

5.84

2.73

3.93

4.17 Men's accessories.......................

33.64

29.43

32.09

31.72 Men's sweaters and vests................

13.11

14.23

12.51

13.28 Men's active sportswear.................

11.96

11.96

10.37

11.43 Men's shirts............................

87.25

79.19

78.33

81.59 Men's pants.............................

70.18

62.55

65.60

66.11 Men's shorts, shorts sets...............

16.40

15.91

18.79

17.03 Men's uniforms..........................

3.70

3.35

4.01

3.69

[[Page 56458]]

Men's costumes..........................

0.982.34

1.14

1.49 Boys, 2 to 15.............................

83.82

97.9898.01

93.27 Boys' coats and jackets.................

5.73

6.61

11.14

7.83 Boys' sweaters..........................

2.70

2.76

1.94

2.47 Boys' shirts............................

19.50

21.53

21.66

20.90 Boys' underwear.........................

4.89

4.57

5.52

4.99 Boys' nightwear.........................

2.83

2.13

0.81

1.92 Boys' hosiery...........................

4.26

3.75

4.69

4.23 Boys' accessories.......................

5.19

7.57

5.72

6.16 Boys' suits, sportcoats, vests..........

2.13

6.10

3.30

3.84 Boys' pants.............................

19.41

21.77

23.82

21.67 Boys' shorts, shorts sets...............

9.03

12.15

12.16

11.11 Boys' uniforms, active sportswear.......

7.30

7.76

6.45

7.17 Boys' costumes..........................

0.85

1.30

0.81

0.99

Women and girls.............................

703.40

653.73

694.23

683.79 Women, 16 and over........................

607.23

552.35

591.01

583.53 Women's coats and jackets...............

58.80

49.54

45.93

51.42 Women's dresses.........................

89.96

81.37

93.51

88.28 Women's sportcoats, tailored jackets....

3.90

4.15

4.49

4.18 Women's vests and sweaters..............

40.43

32.73

31.47

34.88 Women's shirts, tops, blouses...........

106.20

96.49

106.16

102.95 Women's skirts..........................

21.52

19.13

22.83

21.16 Women's pants...........................

79.18

58.46

72.07

69.90 Women's shorts, shorts sets.............

23.33

23.01

25.21

23.85 Women's active sportswear...............

32.91

24.30

29.46

28.89 Women's sleepwear.......................

25.33

24.72

22.66

24.24 Women's undergarments...................

33.13

24.46

31.17

29.59 Women's hosiery.........................

25.01

25.02

21.93

23.99 Women's suits...........................

30.71

37.27

33.78

33.92 Women's accessories.....................

33.9849.54

46.86

43.46 Women's uniforms........................

1.82

0.42

2.00

1.41 Women's costumes........................

1.01

1.73

1.48

1.41 Girls, 2 to 15............................

96.17

101.38

103.22

100.26 Girls' coats and jackets................

7.65

7.23

6.84

7.24 Girls' dresses, suits...................

13.23

13.99

13.73

13.65 Girls' shirts, blouses, sweaters........

22.42

25.48

20.64

22.85 Girls' skirts and pants.................

14.87

16.06

17.94

16.29 Girls' shorts, shorts sets..............

9.83

9.07

9.989.63 Girls' active sportswear................

8.41

6.56

12.65

9.21 Girls' underwear and sleepwear..........

6.26

7.49

7.67

7.14 Girls' hosiery..........................

5.05

5.82

4.87

5.25 Girls' accessories......................

4.50

4.55

4.61

4.55 Girls' uniforms.........................

1.86

2.15

1.94

1.98 Girls' costumes.........................

2.08

2.982.35

2.47

Children under 2............................

80.39

83.32

83.72

82.48 Infant coat, jacket, snowsuit.............

3.25

2.69

3.30

3.08 Infant dresses, outerwear.................

20.75

22.30

23.32

22.12 Infant underwear..........................

46.85

49.15

48.46

48.15 Infant nightwear, loungewear..............

4.26

3.94

3.78

3.99 Infant accessories........................

5.28

5.23

4.86

5.12 Infant hosiery............................

NA

NA

NA

0.00

Footwear....................................

243.05

258.43

287.27

262.92 Men's footwear............................

73.53

84.05

103.76

87.11 Boys' footwear............................

31.65

34.18

28.94

31.59 Women's footwear..........................

115.47

113.26

121.72

116.82 Girls' footwear...........................

22.41

26.94

32.85

27.40

Other apparel products and services.........

269.19

274.00

268.09

270.43 Material for making clothes...............

8.58

7.24

5.46

7.09 Sewing patterns and notions...............

2.56

2.57

2.13

2.42 Watches...................................

20.47

24.45

20.37

21.76 Jewelry...................................

108.73

108.96

109.19

108.96 Shoe repair and other shoe service........

3.47

3.16

2.88

3.17 Coin-operated apparel laundry and dry cleaning.................................

38.61

37.33

40.94

38.96 Apparel alteration and repair.............

6.02

6.90

5.90

6.27 Clothing rental...........................

3.56

3.75

3.46

3.59 Watch and jewelry repair..................

5.54

5.99

5.41

5.65 Apparel laundry and dry cleaning not coin operated.................................

70.94

73.18

71.82

71.98 Clothing storage..........................

0.71

0.47

0.52

0.57 Transportation................................

5,232.14

6,075.53

6,123.07

5,810.25

[[Page 56459]]

Vehicle purchases (net outlay)..............

2,167.03

2,703.01

2,677.81

2,515.95 Cars and trucks, new......................

1,095.97

1,333.33

1,188.62

1,205.97 New cars................................

749.56

727.70

688.75

722.00 New trucks..............................

346.42

605.63

499.87

483.97 Cars and trucks, used.....................

1,033.39

1,320.82

1,456.39

1,270.20 Used cars...............................

737.98866.68

963.07

855.91 Used trucks.............................

295.42

454.14

493.32

414.29 Other vehicles............................

37.66

48.85

32.80

39.77 New motorcycles.........................

18.06

25.77

17.64

20.49 New aircraft............................

NA

NA

NA

0.00 Used motorcycles........................

9.04

23.09

15.16

15.76 Used aircraft...........................

10.57

NA

NA

10.57

Gasoline and motor oil......................

972.68

989.97

1,014.48

992.38 Gasoline..................................

868.13

877.48

904.95

883.52 Diesel fuel...............................

9.86

9.16

10.91

9.98 Gasoline on out-of-town trips.............

82.43

90.64

86.11

86.39 Gasohol...................................

NA

0.18

NA

0.18 Motor oil.................................

11.44

11.60

11.64

11.56 Motor oil on out-of-town trips............

0.83

0.92

0.87

0.87

Other vehicle expenses......................

1,805.62

1,989.07

2,064.09

1,952.93 Vehicle finance charges...................

258.96

238.49

267.24

254.90 Automobile finance charges..............

169.13

139.82

154.84

154.60 Truck finance charges...................

71.72

86.72

99.05

85.83 Motorcycle and plane finance charges....

1.93

1.05

1.36

1.45 Other vehicle finance charges...........

16.18

10.90

11.9813.02 Maintenance and repairs...................

627.51

700.79

675.26

667.85 Coolant, additives, brake, transmission fluids.................................

6.77

6.32

5.79

6.29 Tires - purchased, replaced, installed..

92.70

89.79

90.02

90.84 Parts, equipment, and accessories.......

75.63

111.43

64.20

83.75 Vehicle audio equipment, excluding labor

NA

5.45

10.74

8.10 Vehicle products........................

3.14

5.28

3.89

4.59 Misc. auto repair, servicing............

20.13

33.34

36.88

30.12 Body work and painting..................

32.21

36.88

32.55

33.88 Clutch, transmission repair.............

34.71

46.56

45.07

42.11 Drive shaft and rear-end repair.........

7.96

5.94

6.61

6.84 Brake work..............................

43.87

43.70

48.70

45.42 Repair to steering or front-end.........

15.62

18.42

20.05

18.03 Repair to engine cooling system.........

24.59

22.60

24.32

23.84 Motor tune-up...........................

46.95

42.86

43.84

44.55 Lube, oil change, and oil filters.......

35.54

39.86

44.30

39.90 Front-end alignment, wheel balance......

12.40

NA

NA

NA Front-end alignment, wheel balance and rotation...............................

NA

9.78

11.19

11.12 Shock absorber replacement..............

8.25

7.04

6.987.42 Brake adjustment........................

5.13

3.89

3.18

4.07 Gas tank repair, replacement............

1.60

2.52

1.73

1.95 Repair tires and other repair work......

33.63

27.94

34.28

31.95 Vehicle air conditioning repair.........

NA

14.87

15.01

14.94 Exhaust system repair...................

18.29

20.56

20.9819.94 Electrical system repair................

28.19

31.39

30.57

30.05 Motor repair, replacement...............

73.60

69.19

68.10

70.30 Auto repair service policy..............

6.60

5.17

6.27

6.01 Vehicle insurance.........................

638.83

698.00

726.03

687.62 Vehicle rental, leases, licenses, other charges..................................

280.31

351.79

395.56

342.55 Leased and rented vehicles..............

125.45

196.83

230.89

184.39 Rented vehicles.......................

32.93

39.82

38.99

37.25 Auto rental.........................

8.36

6.03

7.41

7.27 Auto rental, out-of-town trips......

16.16

26.09

26.90

23.05 Truck rental........................

2.71

1.68

1.13

1.84 Truck rental, out-of-town trips.....

5.20

4.61

3.35

4.39 Motorcycle rental...................

NA

NA

NA

0.00 Aircraft rental.....................

0.24

0.16

NA

0.20 Motorcycle rental, out-of-town trips

0.07

0.09

0.12

0.09 Aircraft rental, out-of-town trips..

0.20

1.16

0.09

0.48 Leased vehicles.......................

92.52

157.01

191.89

147.14 Car lease payments..................

69.08

104.24

125.21

99.51 Cash down payment (car lease).......

8.22

9.84

12.91

10.32 Termination fee (car lease).........

0.14

0.44

0.28

0.29 Truck lease payments................

12.47

38.15

51.07

33.90 Cash down payment (truck lease).....

1.52

4.30

2.13

2.65

[[Page 56460]]

Termination fee (truck lease).......

1.08

0.03

0.29

0.47 State and local registration............

87.09

82.74

89.55

86.46 Driver's license........................

7.41

7.34

7.34

7.36 Vehicle inspection......................

9.03

8.78

9.52

9.11 Parking fees............................

23.01

27.47

27.86

26.11 Parking fees (old)....................

0.00

NA

NA

0.00 Parking fees in home city, excluding residence............................

20.52

24.17

24.09

22.93 Parking fees, out-of-town trips.......

2.49

3.30

3.77

3.19 Tolls...................................

10.9810.47

12.04

11.16 Tolls on out-of-town trips..............

4.18

4.69

4.76

4.54 Towing charges..........................

5.02

5.37

5.11

5.17 Automobile service clubs................

8.14

8.10

8.49

8.24

Public transportation.......................

286.82

393.48

366.69

349.00 Airline fares.............................

173.89

253.06

234.86

220.60 Intercity bus fares.......................

10.90

11.57

14.61

12.36 Intracity mass transit fares..............

48.57

49.28

49.60

49.15 Local trans. on out-of-town trips.........

8.74

10.19

9.25

9.39 Taxi fares on trips.......................

5.14

5.99

5.43

5.52 Taxi fares................................

6.46

8.23

7.61

7.43 Intercity train fares.....................

17.38

17.13

19.01

17.84 Ship fares................................

14.54

36.91

25.86

25.77 School bus................................

1.21

1.12

0.47

0.93 Health care...................................

1,653.66

1,768.03

1,746.75

1,722.81

Health insurance............................

727.65

818.43

864.44

803.51 Commercial health insurance...............

232.16

251.06

234.49

239.24 Blue Cross, Blue Shield...................

173.35

159.34

170.15

167.61 Health maintenance plans (HMO's)..........

90.57

127.97

150.70

123.08 Medicare payments.........................

111.33

157.72

175.97

148.34 Commercial medicare supplements...........

120.24

122.35

133.13

125.24

Medical services............................

546.03

567.28

501.51

538.27 Physician's services......................

170.75

159.89

140.03

156.89 Dental services...........................

174.32

194.50

192.07

186.96 Eyecare services..........................

29.20

29.81

29.82

29.61 Service by professionals other than physician................................

32.66

32.95

38.29

34.63 Lab tests, x-rays.........................

31.35

25.73

22.15

26.41 Hospital room.............................

37.42

44.70

32.45

38.19 Hospital service other than room..........

44.63

54.60

28.76

42.66 Medical care in retirement community......

NA

NA

NA

0.00 Care in convalescent or nursing home......

13.48

13.21

8.79

11.83 Repair of medical equipment...............

NA

NA

NA

0.00 Other medical care services...............

12.24

11.88

9.16

11.09

Drugs.......................................

284.99

294.24

293.39

290.87 Nonprescription drugs.....................

80.16

84.17

86.92

83.75 Prescription drugs........................

204.83

210.08

206.47

207.13

Medical supplies............................

94.9888.07

87.41

90.15 Eyeglasses and contact lenses.............

57.35

54.20

55.05

55.53 Hearing aids..............................

7.13

0.94

NA

4.04 Topicals and dressings....................

24.32

24.55

23.49

24.12 Medical equipment for general use.........

2.25

2.41

2.90

2.52 Supportive and convalescent medical equipment................................

2.85

3.82

4.61

3.76 Rental of medical equipment...............

0.35

0.72

0.34

0.47 Rental of supportive, convalescent medical equipment................................

0.74

1.43

1.02

1.06 Entertainment.................................

1,525.52

1,619.28

1,687.41

1,610.74

Fees and admissions.........................

375.11

451.13

447.26

424.50 Recreation expenses, out-of-town trips....

15.32

22.00

22.61

19.98 Social, recreation, civic club membership.

85.24

87.17

80.62

84.34 Fees for participant sports...............

61.15

73.87

69.49

68.17 Participant sports, out-of-town trips.....

21.17

27.40

27.94

25.50 Movie, theater, opera, ballet.............

64.92

78.89

75.36

73.06 Movie, other admissions, out-of-town trips

27.20

37.79

42.78

35.92 Admission to sporting events..............

22.94

32.52

31.57

29.01 Admission to sports events, out-of-town trips....................................

9.08

12.59

14.26

11.98 Fees for recreational lessons.............

52.76

56.90

60.02

56.56 Other entertainment services, out-of-town trips....................................

15.32

22.00

22.61

19.98

Television, radios, sound equipment.........

493.86

545.23

560.84

533.31 Televisions...............................

331.31

376.08

376.88

361.42 Community antenna or cable tv...........

188.40

209.78

220.04

206.07 Black and white tv......................

3.06

2.23

2.51

2.60 Color tv - console......................

21.37

25.51

27.65

24.84

[[Page 56461]]

Color tv - portable, table model........

41.51

54.63

47.71

47.95 VCR's and video disc players............

31.41

32.9829.11

31.17 Video cassettes, tapes, and discs.......

18.88

22.55

25.44

22.29 Video game hardware and software........

16.25

19.24

15.27

16.92 Repair of tv, radio, and sound equipment

9.60

8.79

7.99

8.79 Rental of televisions...................

0.81

0.36

1.16

0.78 Radios, sound equipment...................

162.55

169.15

183.96

171.89 Radios..................................

10.71

9.05

12.59

10.78 Phonographs.............................

0.87

NA

NA

0.87 Tape recorders and players..............

5.32

5.86

12.77

7.98 Sound components and component systems..

35.56

31.51

33.69

33.59 Miscellaneous sound equipment...........

1.68

1.51

0.64

1.28 Sound equipment accessories.............

4.28

4.83

4.82

4.64 Compact disc, tape, record and video mail order clubs.......................

8.97

13.11

13.35

11.81 Records, CDS, audio tapes, needles......

31.01

37.80

40.00

36.27 Rental of VCR, radio, and sound equipment..............................

0.79

0.35

0.28

0.47 Musical instruments and accessories.....

20.45

17.62

20.47

19.51 Rental and repair of musical instruments

2.11

2.06

1.86

2.01 Rental of video cassettes, tapes, films, and discs..............................

40.79

45.45

43.48

43.24

Pets, toys, and playground equipment........

281.46

305.98348.78

312.07 Pets......................................

167.12

177.55

223.00

189.22 Pet food................................

84.94

82.75

86.92

84.87 Pet purchase, supplies, medicine........

24.72

29.36

57.03

37.04 Pet services............................

13.87

16.52

20.41

16.93 Vet services............................

43.58

48.92

58.65

50.38 Toys, games, hobbies, and tricycles.......

112.38

125.48

123.52

120.46 Playground equipment......................

1.96

2.95

2.26

2.39

Other entertainment supplies, equipment, and services...................................

375.10

316.93

330.53

340.85 Unmotored recreational vehicles...........

33.20

29.18

30.46

30.95 Boat without motor and boat trailers....

14.72

5.16

3.63

7.84 Trailer and other attachable campers....

18.48

24.02

26.84

23.11 Motorized recreational vehicles...........

142.45

81.72

77.55

100.57 Motorized camper coaches and other vehicles...............................

77.70

43.13

36.43

52.42 Purchase of boat with motor.............

64.75

38.58

41.12

48.15 Rental of recreational vehicles...........

1.90

2.42

3.01

2.44 Rental noncamper trailer................

0.05

0.13

0.14

0.11 Boat and trailer rental, out-of-town trips..................................

0.47

0.74

1.24

0.82 Rental of campers, etc. on out-of-town trips (old)............................

NA

NA

NA

0.00 Rental of campers on out-of-town trips..

0.54

0.39

0.36

0.43 Rental of other vehicles on out-of-town trips..................................

0.40

0.66

1.03

0.70 Rental of boat..........................

0.05

0.10

0.01

0.05 Rental of campers, other r.v.'s.........

0.39

0.40

0.24

0.34 Outboard motors...........................

2.17

2.05

0.44

1.55 Docking and landing fees..................

5.77

5.05

4.76

5.19 Sports, recreation and exercise equipment.

102.67

115.10

115.57

111.11 Athletic gear, game tables, and exercise equipment..............................

45.9854.37

51.11

50.49 Bicycles................................

16.46

14.10

13.23

14.60 Camping equipment.......................

3.77

3.61

7.30

4.89 Hunting and fishing equipment...........

16.92

20.58

17.87

18.46 Winter sports equipment.................

3.19

4.99

3.73

3.97 Water and miscellaneous sport equipment.

14.68

15.51

20.52

16.90 Rental and repair of misc. sports equipment..............................

1.68

1.95

1.83

1.82 Photographic equipment and supplies.......

81.66

74.17

87.03

80.95 Film....................................

20.32

20.48

20.91

20.57 Other photographic supplies.............

0.17

0.31

0.40

0.29 Film processing.........................

27.09

28.34

29.72

28.38 Repair and rental of photographic equipment..............................

0.39

0.33

0.30

0.34 Photographic equipment..................

13.47

12.63

12.58

12.89 Photographer fees.......................

20.23

12.09

23.10

18.47 Fireworks.................................

0.63

0.76

2.69

1.36 Souvenirs.................................

1.21

0.49

0.18

0.63 Visual goods..............................

0.57

1.49

1.76

1.27 Pinball, electronic video games...........

2.88

4.50

7.07

4.82 Personal care products and services...........

408.21

414.76

429.80

417.59

Personal care products......................

223.41

235.24

229.70

229.45 Hair care products........................

42.44

49.23

42.18

44.62 Nonelectric articles for the hair.........

5.35

7.26

4.70

5.77 Wigs and hairpieces.......................

1.23

0.89

0.89

1.00 Oral hygiene products, articles...........

28.07

25.52

23.92

25.84

[[Page 56462]]

Shaving needs.............................

9.46

12.64

13.06

11.72 Cosmetics, perfume, bath preparation......

103.29

106.82

112.96

107.69 Deodorants, feminine hygiene, misc. personal care............................

28.78

28.40

28.04

28.41 Electric personal care appliances.........

4.80

4.46

3.94

4.40

Personal care services......................

184.80

179.53

200.11

188.15 Personal care service for females.........

98.60

89.46

107.59

98.55 Personal care service for males...........

86.08

89.94

92.24

89.42 Repair of personal care appliances........

0.12

0.12

0.28

0.17 Reading.......................................

165.57

171.39

170.42

169.13

Newspapers..................................

70.60

70.94

71.14

70.89

Magazines...................................

38.78

39.53

38.06

38.79

Newsletters.................................

0.67

0.15

0.27

0.36

Books thru book clubs.......................

10.56

11.44

10.29

10.76

Books not thru book clubs...................

41.38

47.99

48.9846.12

Encyclopedia and other sets of reference books......................................

3.58

1.33

1.67

2.19 Education.....................................

423.79

469.39

477.94

457.04

College tuition.............................

237.86

275.33

271.57

261.59

Elementary and high school tuition..........

69.99

65.45

76.52

70.65

Other schools tuition.......................

16.39

15.34

14.55

15.43

Other school expenses including rentals.....

18.40

19.50

17.94

18.61

School books, supplies, equipment for college....................................

36.94

39.14

36.93

37.67

School books, supplies, etc. for elementary high school................................

6.89

9.71

8.71

8.44

School books, supplies, etc. for day care, nursery, other.............................

3.64

3.49

1.99

3.04

School supplies, etc. - unspecified.........

33.67

41.43

49.73

41.61 Tobacco products and smoking supplies.........

278.59

261.81

271.59

270.66

Cigarettes..................................

256.67

238.23

244.94

246.61

Other tobacco products......................

19.51

21.96

25.50

22.32

Smoking accessories.........................

2.41

1.62

1.15

1.73 Miscellaneous.................................

794.63

810.79

808.33

804.58

Miscellaneous fees, pari-mutuel losses......

60.93

50.63

53.69

55.08

Legal fees..................................

88.62

119.22

99.93

102.59

Funeral expenses............................

51.73

91.97

86.77

76.82

Safe deposit box rental.....................

5.88

5.79

5.47

5.71

Checking accounts, other bank service charges....................................

26.45

27.69

27.35

27.16

Cemetery lots, vaults, maintenance fees.....

16.64

19.45

14.55

16.88

Accounting fees.............................

47.58

44.90

41.35

44.61

Miscellaneous personal services.............

41.90

27.76

23.44

31.03

Finance charges excluding mortgage and vehicle....................................

227.00

228.84

244.92

233.59

Occupational expenses.......................

109.07

94.19

115.56

106.27

Expenses for other properties...............

110.86

94.77

90.93

98.85

Interest paid, home equity line of credit (other property)...........................

0.80

0.50

0.15

0.48

Credit card memberships.....................

7.17

5.08

4.23

5.49 Cash contributions............................

1,020.99

1,066.81

1,034.59

1,040.80

Cash contributions to non-CU memb., incl. child sup., etc............................

240.72

292.68

256.97

263.46

Gifts of cash, stocks and bonds to non-CU members....................................

249.31

228.78

198.88

225.66

Contributions to charity....................

105.65

102.81

97.57

102.01

Contributions to church.....................

378.37

404.30

428.54

403.74

Contributions to educational organizations..

31.50

22.66

40.51

31.56

Contributions to political organizations....

7.22

8.33

3.69

6.41

Other contributions.........................

8.21

7.25

8.44

7.97 Personal insurance and pensions...............

3,083.40

3,404.08

3,520.62

3,336.03

Life and other personal insurance...........

354.24

413.43

382.39

383.35 Life, endowment, annuity, other personal insurance................................

342.74

395.89

369.76

369.46 Other nonhealth insurance.................

11.50

17.54

12.63

13.89

Pensions and Social Security................

2,729.16

2,990.65

3,138.23

2,952.68 Deductions for government retirement......

77.00

84.07

81.20

80.76 Deductions for railroad retirement........

3.03

5.38

6.53

4.98 Deductions for private pensions...........

264.82

324.08

399.84

329.58 Non-payroll deposit to retirement plans...

337.62

331.09

352.23

340.31 Deductions for Social Security............

2,046.70

2,246.03

2,298.44

2,197.06

*Data might not be statistically significant. Source: Bureau of Labor Statistics

[[Page 56463]]

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: 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 1995........................ 12,420.00 17,341.00 24,603.00 34,606.00 44,408.00 81,698.83 Average............... 12,399.00 17,330.00 24,628.00 34,482.33 44,412.67 82,487.69 Goods and services: 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 1995........................ 7,340.81 8,788.33 10,287.78 12,679.10 14,447.22 21,289.89 Average............... 7,021.84 8,671.05 10,167.68 12,325.28 14,817.41 21,150.32

Food at home: 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 1995........................ 2,205.73 2,732.23 2,611.14 2,906.99 3,358.72 3,871.65 Average............... 2,162.09 2,547.45 2,589.13 2,842.07 3,266.75 3,822.91

Food away from home: 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 1995........................ 866.36 1,148.01 1,454.82 1,803.04 2,139.09 3,265.04 Average............... 843.48 1,146.19 1,398.23 1,798.58 2,235.01 3,260.02

Alcohol: 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 1995........................ 194.58 179.17 218.69 242.44 378.37 568.80 Average............... 176.86 206.08 276.84 301.17 360.13 551.32

Domestic Service: 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 1995........................ 111.01 126.23 166.25 343.84 349.86 473.43 Average............... 115.93 122.19 172.73 267.12 352.97 507.54

Furnishings & household operations: 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 1995........................ 1,109.71 1,246.51 1,649.53 1,999.62 2,229.32 4,360.44 Average............... 1,069.63 1,265.22 1,586.20 1,956.75 2,410.35 4,029.32

Clothing: 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 1995........................ 923.981,186.11 1,469.03 1,658.21 2,075.29 3,128.63 Average............... 867.76 1,119.78 1,499.09 1,644.87 2,077.72 3,237.16

Recreation: 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 1995........................ 988.13 1,015.06 1,357.80 1,942.08 2,113.61 3,445.93 Average............... 857.45 1,073.92 1,334.40 1,803.38 2,266.89 3,424.03

Personal Care: 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 1995........................ 272.68 299.08 362.99 450.49 541.39 685.06 Average............... 252.93 308.65 362.84 436.56 520.40 693.63

Tobacco: 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 1995........................ 198.73 275.38 309.00 324.43 274.74 297.88 Average............... 221.31 271.32 295.38 328.89 297.21 292.13

Professional Services: 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 1995........................ 469.90 580.55 688.53 1,007.96 986.83 1,193.04 Average............... 454.40 610.25 652.85 945.88 1,029.981,332.26 Housing: 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 1995........................ 5,523.22 6,036.42 6,602.85 8,126.79 9,423.94 13,031.92 Average............... 5,272.86 5,850.31 6,600.59 7,796.13 9,165.47 12,846.46

[[Page 56464]]

Transportation: 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 6,010.988,886.15 10,415.29 1995........................ 3,326.35 4,016.68 5,281.03 6,411.15 7,505.49 10,725.91 Average............... 2,971.48 3,894.02 5,227.56 6,055.43 7,794.71 10,148.99

Private transportation: 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 1995........................ 3,141.90 3,812.35 5,051.61 6,087.00 7,181.50 9,948.58 Average............... 2,802.09 3,668.52 4,988.31 5,762.70 7,437.97 9,398.67

Air fares & other transportation expenses: 1992........................ 125.98180.14 232.97 239.37 354.03 641.93 1994........................ 197.75 292.03 255.34 314.68 392.22 831.71 1995........................ 184.45 204.33 229.42 324.15 323.99 777.33 Average............... 169.39 225.50 239.24 292.73 356.75 750.32 Miscellaneous: 1992........................ 2,554.32 3,313.71 4,382.17 5,857.42 7,895.29 13,169.05 1994........................ 2,574.86 3,285.99 4,378.03 6,077.48 7,606.33 13,486.24 1995........................ 2,572.70 3,626.25 4,410.77 5,771.32 7,520.24 13,325.24 Average............... 2,567.29 3,408.65 4,390.32 5,902.07 7,673.95 13,326.84

Education, K-12, Private: 1992........................

24.03

33.31

32.84

56.17 140.80 244.81 1994........................

7.13

47.92

41.54

58.93

79.83 216.02 1995........................

38.05

9.99

45.96

39.93

75.34 252.12 Average...............

23.07

30.41

40.11

51.68

98.66 237.65

Health care: 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 1995........................ 1,485.92 1,612.11 1,724.73 1,666.17 1,959.982,329.26 Average............... 1,459.76 1,643.58 1,650.39 1,713.37 1,973.79 2,346.43

Cash contributions: 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 1995........................ 452.91 804.69 730.13 816.26 1,046.00 2,171.79 Average............... 453.00 592.00 730.02 900.06 1,158.38 2,371.71

Personal insurance: 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 1995........................ 595.82 1,199.46 1,909.95 3,248.96 4,438.92 8,572.07 Average............... 631.46 1,142.67 1,969.80 3,236.97 4,443.13 8,371.05 Consumer units: 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 1995........................

8,725

7,724 12,643 10,648

8,191 20,952 Percentage of Owners with Mortgage: 1992........................

15%

23%

31%

44%

58%

71% 1994........................

14%

17%

31%

44%

53%

68% 1995........................

14%

24%

31%

42%

52%

70% Percentage of Renters: 1992........................

50%

45%

43%

33%

25%

14% 1994........................

49%

47%

42%

34%

25%

15% 1995........................

49%

43%

39%

35%

26%

13% Owners with Mortgages as Percentage of Renters Plus Owners with Mortgages: 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% 1995........................ 22.22% 35.82% 44.29% 54.55% 66.67% 83.78% Average............... 22.51% 32.07% 42.88% 56.03% 68.17% 83.08% Renters as Percentage of Renters Plus Owners with Mortgages: 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% 1995........................ 77.78% 64.18% 55.71% 45.45% 33.33% 16.22% 77.49% 67.93% 57.12% 43.97% 31.83% 16.92%

*Data may not be statistically significant.

[[Page 56465]]

Source: Bureau of Labor Statistics

Appendix 5:--Item Descriptions

Accounting services -- Hourly rate for individual tax work (not business). Price rate for preparing Federal 1040 and Schedule A tax forms with typical itemized deductions. Price separately and note in comments the charge for preparing equivalent state or local tax forms.

Apples, fresh -- Price per LB of apples, loose (not in bag). If only bagged apples are available, report the weight of the bag. Note quality in comments. Order of choice: Red delicious, Golden delicious.

Area rug -- 8 X11 braided rug. 100% wool or wool blend. Order of choice: JC Penney's, L L Bean.

ATV -- Price for 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 TRX399FW, Suzuki 250LT4WDT, Polaris W968040.

Automobile finance -- Price 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.

Baby food -- 4 OZ jar strained vegetables or fruit. Order of choice: Gerber, Second Foods, Heinz.

Babysitter -- Average hourly rate for one child, age four years, evening, before midnight. (Teenager in your home.) Do not price commercial baby-sitting service. Special Instructions: If feasible, obtain quotes from the observer or committee of acquaintances who use teenage babysitters.

Bacon, sliced -- 16 OZ (1LB) package USDA grade, regular sliced bacon. Do not price Canadian bacon, extra thick sliced, or extra lean. Order of choice: Oscar Mayer, Hormel, Armour.

Baking dish -- 8'' square glass baking dish (any color). Do not include cover or lid. Order of choice: Pyrex Anchor Hocking.

Bananas, fresh -- Price per pound of bananas. If sold by bunch report price and weight of bunch. Note quality in comments section. Order of choice: Available Variety.

Basic cable service -- Price for one month of lowest level of service for cable TV. Report the number of channels offered. If 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.

Bath towel -- 27x50'' bath towel made of 100% cotton. Order of choice: Cannon, Heir Loom, Fieldcrest.

Bathroom caulking -- Price a 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.

Bed sheet set -- One set queen-size no-iron cotton & polyester percale sheets (180 thread count). One set consists of one fitted sheet, one flat sheet, and two pillowcases. Do not price designer sheet sets. Price sheet sets with minimum design. Record in comments price for 200 thread count set. Order of choice: Fieldcrest, New Concept, Dan Rivers.

Bedroom set -- Price for 5 piece oak bedroom set--vertical mirror, triple dresser, 5 drawer chest, nightstand, full/queen headboard. Include shipping and handling. Order of choice: JC Penney's, Damark.

Bedroom set test -- Price for 5 piece oak bedroom set--vertical mirror, triple dresser, 5 drawer chest, nightstand, full/queen headboard.

Beer at home -- Six-pack of 12 OZ cans (Puerto Rico - 10 OZ cans.) Do not price refrigerated beer unless that is all that is available. Order of choice: Budweiser.

Beer away -- Glass of Budweiser/Miller Lite beer. Order of choice: Budweiser, Miller Lite.

Board game -- Price for board game. Do not price deluxe edition. Order of choice: Monopoly, Sorry, Scrabble.

Book -- Store price (not publisher's price unless that is the store price) for top selling paperback book. Order of choice: Sudden Prey, Moonlight Become You, Rapture of Canaan.

Bottled water -- 1 gallon (128 FL OZ) bottled spring water. Do not price sparkling or distilled water. Order of choice: Store brand

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.

Boy's jeans -- Regular fit (size 9-14), inexpensive jeans. Do not price bleached, stone-washed or designer jeans. Order of choice: Wranglers, Rustlers, Lee's.

Boy's polo shirt -- Knit polo shirt with collar, solid color, preferably without embroidered emblem. Size 7-14. Do not price Izod, Polo or equivalent brands. Order of choice: Penney's, Sears.

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.

Bread, white -- 16 OZ loaf of sliced white bread. Do not price store brand. Order of choice: Wonder, Sunbeam.

Breakfast -- Price for a breakfast consisting of 2 strips of bacon or 2 sausages, 2 eggs, toast, and coffee or juice. Report percentages added for tax. Order of choice: Denny's, Bob Evans.

Broker rental low -- Obtain monthly rent for three room, one bedroom , one bath apartments (average size roughly 600 sq ft.). Obtain three price estimates of the prevailing range of rental rates in area (low, median & high). To the extent practical, obtain square footage, age of the unit, total room count, whether utilities are included, and special amenities.

Broker rental mid -- Obtain monthly rent for four room, two bedroom , one bath apartments (average size roughly 900 sq ft.) .Obtain three price estimates of the prevailing range of rental rates in area (low, median & high). To the extent practical, obtain square footage, age of the unit, total room count, whether utilities are included, and special amenities.

Broker rental upr -- Obtain monthly rent for four room, two bedroom , two bath townhouse or detached house (average size roughly 1100 sq ft.). Obtain three price estimates of the prevailing range of rental rates in area (low, median & high). To the extent practical, obtain square footage, age of the unit, total room count, whether utilities are included, and special amenities.

Camera film -- Price for 35 millimeter, 24 exposure, 100 ASA Kodak camera film in single pack. Order of choice: Kodak.

Candy bar -- Price for ONE regular size candy bar. The weight of a regular size candy bar could range from 1.55 oz to 2.13 oz. Do not price king-size or multi-pack candy bars. Order of choice: Snickers, Hersheys, Mars.

Canned soup -- One can Campbell's soup, regular size (approximately 10 oz). Do not price hearty, reduced fat or salt free varieties. Order of choice: Campbell's Vegetable, Campbell's Chicken Noodle, Campbell's Vegetable Beef.

Celery, fresh -- Price per pound 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. Note quality in comments. Order of choice: Available Brand

Cereal -- 20 OZ box of cereal. Do not price significantly larger or smaller size. Order of choice: Post Raisin Bran, Kelloggs Raisin Bran.

Charge card annl fee -- Annual fee on major charge card through local bank. Note: Finance charges are reported as Charge Card Finance (See item description immediately below). Both charges must be obtained for the same card. Order of choice: Mastercard, Visa.

[[Page 56466]]

Charge card finance -- Finance charges on a major charge card through a local bank Record Annual Percentage Rate. Please report the financial charges on the first month's balance of $1500. Do Not include principal payments. Note: Annual fees are reported as Charge Card Annl Fee (See item description immediately above). Both charges must be obtained for the same card. Do not price special introductory rates. Order of choice: Mastercard, Visa.

Cheddar cheese -- 10 OZ package cheese. Price mild cheddar if available. Order of choice: Kraft, Cracker Barrel, Tillamook.

Chevy atf change -- Price to change automatic transmission fluid in a one year old Chevrolet Blazer, similar to current year model. Include parts and labor for the following: drain and replace transmission fluid and test vehicle. Include filter and pan gasket replacement.

Chevy blazer -- Chevrolet Blazer, current year model. T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder. Order of choice: Chevrolet Blazer T10.

Chevy coolant serv -- Price to flush and fill engine coolant in a one year old Chevrolet Blazer, similar to current year model. Include parts and labor for the following: remove old coolant, flush contaminants, and replace with new coolant.

Chevy cvj boots -- Price the replacement of the inner and outer CVJ (constant velocity joint) Boots on both front wheels for a 3-year old Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder.

Chevy license/reg -- Price 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 a current year Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder.

Chevy min insurance -- DC AND VI ONLY. 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 fees and taxes. Include applicable safety feature discounts. COVERAGES (BI minimum avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 250 deductible. Col 500 ded.. If these deductibles are not avail., price the policy with the closest coverage.

Chevy misc taxes -- Price annual miscellaneous tax (e.g., personal property tax, use tax, etc) for a current year model Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder. Report how rate is determined, give formula for new vehicle purchase, give formula for subsequent year (2 to 5) and explain billing.

Chevy muffler -- Price complete muffler system for a 4-year old Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder. Include parts and labor for the following: install all parts after the catalytic converter. These parts include mid pipes, clamps, muffler, and tail pipes.

Chevy oil change -- Price oil change for a one year old Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3 Liter 6 Cylinder. Include parts and labor for the following: drain old oil, replace oil filter and refill with appropriate number of qts of 10W30 SG grade oil. If SG grade not available, price SF grade oil.

Chevy reg insurance -- Price 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 avail., price the policy with the closest coverage avail.

Chevy regular tires -- Price a Black Side Wall P205/75R15 for Chevrolet blazer. Order of choice: Goodyear Wrangler AT, Michelin XCHF, BF Goodrich Radial TA.

Chevy snow tire -- Price for a studded P205/75R15 snow tire, for the Chevy Blazer. Order of choice: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF Goodrich Trailmaker Plus.

Chevy tire change -- Price for removing street tires, and installing mounted snow tires on all four wheels.

Chevy tune-up -- Price basic tune-up for a one year old Chevrolet Blazer. Include replacing spark plugs (do not price platinum), check distributor cap, and rotor. Check and adjust ignition timing. Adjust idle. Inspect air cleaner. Do not include cost to replace PVC valve, fuel filter or air filter. Sales tax should not be included in price.

Chevy value - 4 yr -- Retail value of a 4 yr old Chevrolet Blazer.

Chevy windshield rpl -- Cost to replace windshield on 1 year old Chevy Blazer, meeting item description. Ask outlet about the frequency of windshield replacement and record in comments. Price at specialty shop or, if not available, at dealer.

Chicken, whole -- Price per pound of USDA grade fresh whole fryer chicken. Price store brand if available, otherwise record brand. Do not price family-pack, value-pack, super-saver pack or equivalent; frozen chicken or roasters. Price store brand if available. Order of choice: Whole fryer, Whole fryer (cut-up).

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.

Cigarettes king size -- 1 carton (200 cigarettes) of filter kings soft pack. Do not price generic brand. Order of choice: Winston.

Coffee, ground -- 13 OZ can ground coffee. Do not price decaffeinated or special roasts. Order of choice: Folger's, Maxwell House, Hills Bros.

Coin laundry -- One load of laundry using a regular size, top loading commercial washing machine. Do not include cost of drying.

Color television -- 20'' table model color TV with a remote, auto channel search, closed captions, sleep timer, on-screen channel/ time and menus, channel flashback, and 181 channel tuning. Order of choice: Sony KV20TS32, JVC C20CL6, Zenith SR2031.

Compact disc -- Regular price for a current best-selling CD. Do not price double CD's Order of choice: Wu-Tang Forever, Traveling w/o Moving, God's Property.

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 CDPC745, JVC SLPD887, Technics XLF215TN.

Contact lenses -- Price for 1 year supply of soft 2 week replacement contact lenses Order of choice: Medalists, Sequence, AcuVue.

Cookies -- 18 - 20 OZ package. Order of choice: Nabisco Oreo Cookies, Keebler Chips Deluxe, Nabisco Chips Ahoy.

Cooking oil -- 48 FL OZ bottle. Order of choice: Crisco, Wesson, Mazola.

Day-care -- One month of day-care for a three-year-old child (5 days a week, about 10 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. Price at day care center in a Federal building (but not on a military base) if available.

Dentist clean/check -- 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.

Dining table -- Pedestal oak veneer tabletop with 4 standard spindled hardwood chairs. Include shipping and handling. Order of choice: JC Penney's, Damark.

Dining table test -- Pedestal oak veneer tabletop with 4 standard spindled hardwood chairs.

Dinner -- Price for a dinner consisting of a New York Strip, small side dish (e.g., rice or potato), side salad or salad bar, and coffee. Meal should not include dessert. Order of choice: Denny's type, TGIF type, Chart House type.

Disposable diaper -- 34 count package of Stage 2 disposable diapers, (child 12-18 LBS). Do not price jumbo, overnight or larger size diapers. Order of choice: Pampers, Luv's, Huggies.

[[Page 56467]]

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.

Drill, cord-type -- 3/8'' Reversible, variable speed 3 amp (1200 rpm. max ) electric drill with 6' cord. This is a typical homeowner type drill. Do not price Makita, Dewalt, Milwaukee, or similar brands used by professionals. Order of choice: Black & Decker 7152.

Drill, cordless -- 3/8'' Reversible, variable speed, 7 to 9 volt, cordless electric drill with 3 hour recharge. This is a typical homeowner type drill. Do not price Makita, Dewalt, Milwaukee, or similar brands used by professionals. Order of choice: Black & Decker 9052, Skil 2236.

Dry clean man's suit -- Dry clean a man's 2-piece suit of typical fabric. Do not price for silk, suede or other unusual materials.

Education, K-12 priv -- Cost of tuition, books and uniforms (if required) for K-12 education at a private school.

Eggs, large -- One dozen. Do not price brown eggs. Order of choice: Local brand, Regional Brand.

Electric bill -- Average monthly cost including all additional charges. Record in comments the average monthly consumption in KWH, cost for first xxx KWH, and cost over xxx KWH. If monthly amounts vary, based on time of year, obtain data on annual basis. In Alaska assume oil or gas for heating. In all other areas, assume all electric homes.

Electrical outlet -- Price 2-plug 15-amp (duplex) grounded electrical outlet. Note: 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 or 20 amp outlet. Order of choice: GE, Levitron, Eagle.

Electrical work -- Price of labor to add circuit breaker for dishwasher. Cut 3/4'' 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. Inquire whether outlet is a licensed contractor.

Fast food -- Price for a Big Mac, medium french fries, and medium soft drink. Pizza: one personal size cheese pizza (or one slice of cheese pizza). Include small soft drink. Do not price salad. Report percentages added for tax. Order of choice: McDonalds type, Pizza Hut type.

Film developing -- Price to process and print 35 millimeter, 24 exposure, 100 ASA color. Regular size (3 X 5) single prints only. Price at local lab with 2-3 day service, do not price Kodak or mail order service.

Fire extinguisher -- Fire extinguisher with a UL rating of 10 BC, 2.5 pound size. Do not price an ABC type extinguisher. Order of choice: Kidde, First Alert.

Fish filet, frozen -- Price per pound 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.

Fish, fresh -- Price per pound of salmon steak. Do not price previously frozen (PF) or specially prepared skinless or boneless varieties. Do not price family-pack, value-pack, super-save pack, or equivalent. Order of choice: Salmon steak.

Ford atf change -- Price to change automatic transmission fluid in a one year old Ford. Include parts and labor for the following: drain and replace transmission fluid and test vehicle. Include filter and pan gasket replacement.

Ford coolant serv -- Price to flush and fill engine coolant in a one year old Ford Taurus. Include parts and labor for the following: remove old coolant, flush contaminants, and replace with new coolant.

Ford CVJ boots -- Price the replacement of the inner and outer CVJ Boots (constant velocity joint) on both front wheels for a 3-year old Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.

Ford license/reg -- Price 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 a current year Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.

Ford min insurance -- DC AND VI ONLY. 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 fees and taxes. Include applicable safety feature discounts. COVERAGES (BI minimum avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 250 deductible. Col 500 ded.) If these deductibles are not avail., price the policy with the closest coverage.

Ford misc taxes -- Price annual miscellaneous tax (e.g., personal property tax, use tax, etc) for a current year model Ford Taurus. Report how rate is determined, give formula for new vehicle purchase, give formula for subsequent year (2 to 5) and explain billing.

Ford muffler -- Price complete muffler system for a 4-year old Ford Taurus . Include parts and labor for the following: install all parts after the catalytic converter. These parts include mid pipes, clamps, muffler, and tail pipes.

Ford oil change -- Price oil change for a one year old Ford Taurus. 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.

Ford reg insurance -- Price 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 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 avail., price the policy with the closest coverage avail.

Ford regular tires -- Price a Black Side Wall P205/65R15 for the Ford Taurus GL. Order of choice: Goodyear Invicta GL, Michelin XW4, BF Goodrich Touring TA.

Ford snow tire -- Price for a studded P205/65R15 snow tire for the Ford Taurus GL. Order of choice: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF Goodrich Trailmaker Plus.

Ford taurus -- Ford Taurus, current year model, GL four door sedan, 3.0 Liter 6 Cylinder. Order of choice: Ford Taurus GL.

Ford tire change -- Price for removing street tires, and installing mounted snow tires on all four wheels.

Ford tune-up -- Price basic tune-up for a one year old Ford Taurus GL . 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.

Ford value - 4 yr -- Retail value of a 4 yr old Ford Taurus.

Ford windshield rpl -- Cost to replace windshield on 1 year old Ford Taurus, meeting item description. Ask outlet about the frequency of windshield replacement and record in comments. Price at specialty shop or, if not available, at dealer.

Frankfurter -- All beef, USDA graded 16 OZ (1LB) package. Do not price chicken, turkey, extra lean, or fat free frankfurters. Order of choice: Oscar Mayer, Hormel.

Frozen dinner -- 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. Order of choice: Swanson.

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.

Frozen waffles -- Package of 8 frozen waffles. Please record package weight in comments. (Note: Weight should be approximately 11 oz.) Order of choice: Kellogg's Eggo.

Fruit drink -- 64 FL OZ bottle. Do not price powdered mixes or individual serving sized drinks. Order of choice: Hawaiian Punch, HI-C, regular.

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Fruit juice -- Price 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 Cocktail.

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.

Gas/oil bill -- Average monthly cost including all charges. Record in comments average monthly consumption in cu. ft./gallons, customer service charge, cost for first cu. ft./gallons, and cost for over first xxx cu. ft/gallons. ALASKA ONLY.

Gasoline full serv -- Price per gallon for full-service unleaded regular gasoline. Record in comments prevalence of self-serve vs. full-serve pumps.

Gasoline self serv -- Price per gallon for self-service unleaded regular gasoline.

Girl's dress -- Cotton blend short or 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.

Girl's jeans -- Jeans, for girls ages 8 through 10 years (size 7- 14). Order of choice: Zenna, Rider, Lee.

Girl's knit top -- Knit short or long sleeve pullover of cotton/poly blend. For girls ages 8 thru 10 (size 7-14). Order of choice: Spumoni, Hot Shots, Lee.

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.

Green beans, canned -- 14.5 OZ can of plain cut green beans. Do not price French style, Italian style, canned vegetable mixtures or similar variations. Order of choice: Del Monte, Green Giant.

Ground beef -- Price per pound of fresh USDA graded (select not choice) average size package with no more than 30% fat content. Do not price lean, ground round, frozen beef et cetera. Do not price family-pack, value-pack, super-saver pack, or equivalent. Order of choice: Regular ground beef.

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.

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.

Hammer -- Curved claw hammer with a 16 OZ head, wood handle, high carbon steel head, black finish. Overall length 13 1/4''. This is a typical homeowner type hammer. Do not price hammers with non-wooden handles or hammers typically used by carpenters or cabinet makers. Order of choice: Stanley 51616, Stanley 51416.

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 such. Minimum services must include free weights, cardiovascular equipment, and aerobic classes. Note if pool, tennis, racquet ball, or other significant services are also offered.

Home sale low -- Obtain sales comparables between 600 and 1200 square feet. Collect selling price, sale date, and square footage for each comparable. Collect age and room count when available. Obtain data for the most recently available 12 month time frame. 4 Rooms, 2BR, 1bath, condo or detached house.

Home sale mid -- Obtain sales comparables between 1000 and 1600 square feet. Collect selling price, sale date, and square footage for each comparable. Collect age and room count when available. Obtain data for the most recently available 12 month time frame. 5 Rooms, 3BR, 1 bath, detached house.

Home sale upr -- Obtain sales comparables between 1400 and 2300 square feet. Collect selling price, sale date, and square footage for each comparable. Collect age and room count when available. Obtain data for the most recently available 12 month time frame. 7 Rooms, 3BR, 2 baths, detached house.

Homeowner insur low -- 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.

Homeowner insur mid -- 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.

Homeowner insur upr -- 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.

Honda atf change -- Price to change automatic transmission fluid in a one year old Honda. Include parts and labor for the following: drain and replace transmission fluid and test vehicle.

Honda civic -- Honda Civic, current year model, DX four door sedan, 1.5 Liter 4 Cylinder. Order of choice: Honda Civic DX.

Honda coolant serv -- Price to flush and fill engine coolant in a one year old Honda Civic DX. Include parts and labor for the following: remove old coolant, flush contaminants, and replace with new coolant.

Honda CVJ boots -- Price the replacement of the inner and outer CVJ (constant velocity joint) Boots on both front wheels for a 3-year old Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder.

Honda license/reg -- Price 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 a current year Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder.

Honda min insurance -- DC AND VI ONLY. 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 fees and taxes. Include applicable safety feature discounts. COVERAGES (BI minimum avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 250 deductible. Col 500 ded.). If these deductibles are not avail., price the policy with the closest coverage.

Honda misc taxes -- Price annual miscellaneous tax (e.g., personal property tax, use tax, etc.) for a current year model Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder. Report how rate is determined, give formula for new vehicle purchase, give formula for subsequent year ( 2 to 5 ) and explain billing.

Honda muffler -- Price complete muffler system for a 4-year old Honda Civic DX . Include parts and labor for the following: install all parts after the catalytic converter. These parts include mid pipes, clamps, muffler, and tail pipes.

Honda oil change -- Price oil change for a one year old Honda Civic DX . 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.

Honda reg insurance -- Price 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 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 avail., price the policy with the closest coverage avail.

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Honda regular tires -- Price a Black Side Wall P175/70R13 for the Honda Civic. Order of choice: Goodyear Invicta GL, Michelin LX1, BF Goodrich Touring TA.

Honda snow tire -- Price for a studded P175/70R13 snow tire for Honda Civic DX. Order of choice: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF Goodrich Trailmaker Plus.

Honda tire change -- Price for removing street tires, and installing mounted snow tires on all four wheels.

Honda tune-up -- Price basic tune-up for a one year old Honda Civic DX . 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.

Honda value - 4 yr -- Retail value of a 4 yr. old Honda Civic DX.

Honda windshield rpl -- Cost to replace windshield on 1 year old Honda Civic DX, meeting item description. Ask outlet about the frequency of windshield replacement and record in comments. Price at specialty shop or, if not available, at dealer.

Hospital attendant -- Daily charge for an attendant (e.g. LPN). Price only if typical hospital service is not equivalent to that found in DC area.

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.

Housekeeping service -- Price per hour for twice per month cleaning. House approximately 2,000 sq. ft. Family size four. Services include Bathroom(s): clean floor, counter, bathtub, stool; Kitchen: clean counters, cabinets, appliances; Living Room 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.

Ice cream -- 1/2 gallon (2 QT) of vanilla ice cream. Do not price ice milk or frozen yogurt. Order of choice: Store brand

Ice cream cone -- Regular (one scoop) vanilla ice cream cone. Do not price frozen yogurt or soft-serve ice cream. Order of choice: Baskin-Robbins type, TCBY type, Lapperts type.

Infant's sleeper -- One-piece sleeping garment with legs, covering the body including the feet. Order of choice: Gerber, Playskool, Health Tex.

Insurance, air ambul -- Annual premium for air ambulance insurance.

Interior painting -- Price labor to paint 12' x 14' lvng rm with 8' ceilings, one coat over same color. Walls are drywall in good repair. Two std sized sash windows, 1 std wood door. Rms 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 prep. Report price per hr, est time for job, and travel. If flat charge, report est time to complete job. Do not include materials.

Jello gelatin -- 3 OZ box gelatin dessert. Order of choice: Jello, Royal.

Jewelry -- One pair 6mm 14K gold ball earrings for pierced ears.

Ketchup -- 28 OZ plastic squeeze bottle. Order of choice: Heinz, Hunts, Del Monte.

Kitchen faucet -- Price for a 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 hole in the sink. Do not price decorator models or in the deck (sprayer sits in a hole in the faucet base or deck ). Guaranteed for 2 years or longer. Order of choice: Peerless 8500-ECP, Delta 400, Moen 87511.

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 CRE9500, General Electric JBP47GV, Whirlpool RF385PXDQ.

Latex interior paint -- One gallon white, interior flat latex paint. Price a national brand with one coat coverage. Pittsburgh also an acceptable brand . Ask whether special formulations or additives are typically used to prevent mildew. If so record price in comments. Order of choice: Dutch Boy, Glidden, Benjamin Moore.

Laundry soap -- 100 FL OZ of liquid household laundry detergent. Do not price detergent with bleach or whiteners. Order of choice: Tide, Cheer.

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).

Lawn trimmer -- Gas powered 31 CC two-cycle engine single line lawn trimmer with a 17'' wide cut.

Ld call Chicago -- Cost of a 10 minute call using AT&T, received on a weekday in Chicago at 8: 00 p.m. (Chicago time); direct dial from the location being surveyed to Chicago. Include any federal, state, local or excise tax that is applicable. Order of choice: AT&T Regional Service.

Ld call LA -- Cost of a 10 minute call using AT&T, received on a weekday in LA at 8: 00 p.m. (LA time); direct dial from the location being surveyed to Los Angeles. Include any federal, state, local or excise tax that is applicable. Order of choice: AT&T Regional Service.

Ld call NYC -- Cost of a 10 minute call using AT&T, received on a weekday in NY at 8: 00 p.m. (NY time); direct dial from the location being surveyed to New York City. Include any federal, state, local or excise tax that is applicable. Order of choice: AT&T Regional Service.

Legal services -- Hourly rate for preparing a simple will or trust or for real estate closing. If fee varies, note in comments.

Lettuce, fresh -- Price per pound 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. Note quality in comments. Order of choice: Available Brand

Lipstick -- One tube of lipstick. Order of choice: Revlon Super Lustrous, Revlon Moondrops, L'Oreal.

Living rm chair tst -- Flexsteel Recliner or equivalent.

Living room chair -- Flexsteel Recliner or equivalent. Include shipping and handling. Order of choice: JC Penney's, Damark.

Lunch -- Price for a lunch consisting of a cheeseburger platter with fries and small soft drink. Order of choice: Denny's type, TGIF type, Chart House type.

Lunch meat -- 8 OZ pkg. Order of choice: Oscar Mayer Bologna, Oscar Mayer Cotto Salami.

Magazine -- Store price (not publisher's price unless that is the store price) for a single copy. Order of choice: Time, Newsweek, US News&World Report.

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'' collar, 34'' sleeve. Order of choice: Arrow, Van Heusen, Moose Creek.

Man's haircut -- Man's typical haircut. Do not include wash.

Man's jacket -- Man's summer weight denim jacket from catalog. Relaxed fit and machine washable. TROPICAL AND DC ONLY. Order of choice: JC Penney's, Eddie Bauer.

Man's jeans -- Regular loose fit, non-designer jeans. Do not price bleached, stone-washed or designer jeans. Order of choice: Wranglers, Rustlers, Lee's regular fit.

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Man's shoes -- 100% leather wing tips or plain toe. Order of choice: Rockport, Bostonian.

Man's suit -- Man's suit from catalog, double breasted worsted wool, ventless back. Include shipping and handling. Order of choice: JC Penney's, Bachrach.

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.

Margarine -- Four sticks (1 LB). Do not price reduced fat variety. Order of choice: Blue Bonnet, Parkay.

Milk, 2% -- Gallon (128 FL OZ), 2%. Order of choice: Store brand

Mortgage interest -- Current interest rate for a 30-year loan on the average house assuming 80 percent financing.

Motor scooter -- Price for a 50 CC scooter. One seater with electric start, oil injection 2-stroke engine. Order of choice: Yamaha JOG CY 50, Honda Elite SA 50.

Movie theater -- Typical adult price for regular length, current- release (currently advertised on television) evening film. Report weekend evening price if different from weekday.

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.

Non-aspirin pain rel -- Price for 60 tablets of extra-strength Tylenol. Do not price caplets or gelcaps.

Non-broker rntl low -- Obtain monthly rent for three room, one bedroom , one bath apartments (average size roughly 600 sq ft.). If possible, obtain square footage, age, room count whether utilities are included and special amenities.

Non-broker rntl mid -- Obtain monthly rent for four room, two bedroom , one bath apartments (average size roughly 900 sq ft.). If possible, obtain square footage, age, room count whether utilities are included and special amenities.

Non-broker rntl upr -- Obtain monthly rent for four room, two bedroom , two bath townhouse or detached house (average size roughly 1100 sq ft.). If possible, obtain square footage, age, room count whether utilities are included and special amenities.

Oranges, fresh -- Price per pound of loose VALENCIA oranges. If only bagged oranges are available, also report the weight of the bag. Note quality in comments. Order of choice: California Valencia, Florida Valencia.

Parcel post -- Cost of mailing a 5 pound package to each of the following cities: Chicago, Los Angeles, New York Order of choice: United States Postal.

Peaches, canned -- 16 OZ can sliced yellow cling peaches. Do not price lite or juice pack. Order of choice: Libby, 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.

Pen -- 10 pack round stick medium pen. Order of choice: Bic Round Stic, Paper Mate.

Pest control -- Price for basic pest control maintenance (one visit to control crawling insects, not wood eating), based on the inside of a 1,200 sq. ft. single story home. Price follow-up maintenance only, not the initial application.

Pet food -- Price for 5.5 OZ can of cat food. Order of choice: Purina, 9 Lives, Whiskas.

Piano lessons -- Private lesson for a beginner one-half hour in length. Price through a music studio if possible.

Plant food -- 8 OZ container of liquid indoor plant food. Order of choice: Miracle Grow.

Pork chops, bone in -- Price per pound of an average size USDA graded (select not choice ) 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 chop with bone.

Postage stamp -- First Class postage.

Potatoes -- 5 LB bag of Russet baking potatoes. Do not price loose potatoes. If 5 lb bag is not available, substitute nearest size bag and note price and size. Do not price white, red or new potatoes. Note quality in comments. Order of choice: Available Brand.

Real estate tax low -- 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 to what base year the tax rate should be applied. Report when rates are certified and when bills are mailed.

Real estate tax mid -- 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 to what base year the tax rate should be applied. Report when rates are certified and when bills are mailed.

Real estate tax upr -- 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 to what base year the tax rate should be applied. Report when rates are certified and when bills are mailed.

Red roses, fresh cut -- One dozen long stemmed, fresh cut red roses. Do not price boxed or arranged.

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 one or more covered compartments and adjustable bins. Freezer has adjustable wire shelves, door bins and ice trays. Do not price models with ice makers, chilled water dispensers, or other extra features. Order of choice: Maytag RTD2100DAE, General Electric TBX21ZAX, Whirlpool ET21DKXD.

Regional newspaper -- Price for one 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.

Rental car -- Cost for daily and weekly rental rate of an economy class automobile. Obtain costs with leasing company's recommended insurance packages. Price with unlimited mileage, and assume automobile is rented and returned to the same location and with a full tank of gas. Do not price weekend rates or special promotional rates which apply to specific areas. Order of choice: Hertz, Avis, National.

Renter insur low -- Report price of HO-4 type coverage; assume value of contents at $25,000.

Renter insur mid -- Report price of HO-4 type coverage; assume value of contents at $25,000.

Renter insur test 1 -- Report price of HO-4 type coverage; assume value of contents at $25,000.

Renter insur test 2 -- Report price of HO-4 type coverage; assume value of contents at $35,000.

Renter insur test 3 -- Report price of HO-4 type coverage; assume value of contents at $45,000.

Renter insur upr -- Report price of HO-4 type coverage; assume value of contents at $30,000.

Round roast boneless -- Price per pound of an average size USDA graded (select not choice) package. Do not price family-pack, value- pack, super-saver pack or equivalent. Do not price frozen roast. Order of choice: Boneless rump, Sirloin tip rolled, Boneless top round.

Round steak boneless -- Price per pound of an average size USDA graded (select not choice) 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 rnd.

Round trip Chicago -- Price for lowest cost round trip ticket to Chicago, IL with 2 week advance reservation. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all flights from National Airport.)

Round trip LA -- Price for lowest cost round trip ticket to Los Angeles, CA. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all flights from National Airport.)

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Round trip Miami -- Price for lowest cost round trip ticket to Miami, FL with 2 week advance reservation. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all flights from National Airport.)

Round trip NYC -- Price for lowest cost round trip ticket to New York, NY with 2 week advance reservation. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all fares from National Airport.)

Round trip Omaha -- Price for lowest cost round trip ticket to Omaha NE, with 2 week advance reservation. Disregard restrictions, super- saver fares and special promotions. (In reference area, price all flights from National Airport.)

Round trip Seattle -- Price for lowest cost round trip ticket to Seattle, WA with 2 week advance reservation. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all flights from National Airport.)

Round trip St. Louis -- Price for lowest cost round trip ticket to St. Louis, MO with 2 week advance reservation. Disregard restrictions, super-saver fares and special promotions. (In reference area, price all flights from National Airport.)

Salt -- 26 OZ box of iodized salt. Do not price sea-salt, kosher- style salt etc. Order of choice: Morton, Ivory, Regional Brand.

Shampoo -- 15 ounce bottle of shampoo for normal hair. Order of choice: Suave, VO5, White Rain.

Snack 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 Twinkees, Krispy Kreme, Hostess Cupcakes.

Snack food -- 6 OZ bag or box of regular potato chips. Order of choice: Ruffles, Lays.

Soft drink -- 2 liter plastic bottle. Order of choice: Coca-Cola, Pepsi.

Spaghetti, dry -- 16 OZ box or bag. Do not price store brand. Order of choice: Creamette, American Beauty Mission.

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.

Taxi fare -- Cost of a four-five mile, 10 minute taxi-cab ride. Trip should begin and end within the county or city limits of each survey area. Do not price cost for additional passengers, rush-hour fares or cost for handling or carrying of packages or luggage.

Telephone service -- Monthly cost for unmeasured touchtone service. Include tax. Do not include options such as call waiting, call forwarding or fees for equipment rental.

Telephone, cellular -- Cost of basic monthly cellular phone service plus 10 prime-time 2 minute calls per month. Do not price special offers.

Tennis balls -- Can of three heavy-duty felt, yellow, tennis balls. Do not price special gas-filled or premium tennis balls. Order of choice: Wilson, Penn.

Termite treatmnt tst -- Cost of initial treatment and annual maintenance for Sentricon - type termite bait treatment for a typical single-family dwelling meeting middle income profile. Order of choice: Sentricon.

Tetracycline -- Price of 40 capsules of tetracycline, 250 milligram strength. Record whether generic or non-generic. If price differs record both prices in comment area.

Toilet tissue -- Regular 4 roll pack. Do not price family-pack, double roll, value-pack, super-saver size package, or equivalent. Order of choice: Cottonelle, Northern, Charmin.

Tomatoes, fresh -- Price per pound of medium-size tomatoes. Do not price organic, hydro, plum, or extra fancy tomatoes. Note quality in comments. Order of choice: Available Variety.

Tuna, canned -- Chunk light, packed in water (6.0 oz to 6.13 oz). Do not price fancy style. Order of choice: Star Kist, Chicken of the Sea, Bumble Bee.

Two-slice toaster -- Two-slice toaster, chrome body, wide slot with pastry defrost setting. Order of choice: Proctor-Silex T620B, Proctor Silex 22100.

Unclog drain -- Price to unclog kitchen sink drain by mechanical means (small snake or auger, etc.). Assume clog is in the plumbing inside the house, not in the yard. Price the job. If job rate not available, obtain minimum labor rate charge for auger and travel. If provided a price range use low-end quote because this is a simple clog. Exclude extra charge for excess travel, overtime, weekend or emergencies.

Vacuum -- Upright vacuum cleaner with approximately 12 amps, 120 volts, minimum 5 above-the-floor attachments, height adjustment, regular bag and 20 to 25 foot cord. Order of choice: Eureka, Hoover, Dirt Devil.

Veterinary services -- Typical fee for general office visit for a small dog.

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: Sony SLV740, JVC HRJ620, Zenith VR4205.

Video rental -- Price to rent one video tape. Saturday night (1 day or minimum rental period) rate. Non-member fee. Do not price new releases, oldies or classics where price is different from a regular rental.

Washing machine -- Super capacity washing machine with 3 water temperatures, 8 wash cycles, 3 water levels, white porcelain tub, self-clean lint filter, fabric softener dispenser and 2 speed combinations. Order of choice: Maytag LAT9604, General Electric WWSR3090T, Whirlpool LSC8244D.

Water bill -- Average monthly consumption in gallons and dollars; customer service charge; cost for first xxx gallons; cost for over xxx gallons.

Window shade -- Window shade from catalog light-filtering unfringed 37.5'' width window shade. Order of choice: JC Penney's, Smith and Noble.

Wine at home -- 1.5 L of Chablis blanc. Order of choice: Gallo, Inglenook.

Wine away -- Price one glass of house white wine. Order of choice: House Brand.

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.

Woman's blouse -- 100 % polyester, white, long sleeve, button front blouse with minimum trim. Order of choice: Wrapper; Girls, Girls, Girls; Christy Jill.

Woman's coat -- 100 % wool, double-breasted coat. Include shipping and handling. ALASKA AND DC ONLY. Order of choice: JC Penney's, Donnybrook, Chadwicks.

Woman's cut & style -- Regular service for a woman's cut and styled blow dry. Include wash but do not include curling iron if extra. Price hair salons in major department stores and malls.

Woman's dress -- Sleeved shirtwaist dress appropriate for office attire. Exclude any unusual ornamentation. Dress should be unlined and 100% rayon or 100% polyester with or without a belt. Order of choice: Stewart Allen, Lesley Fay, California Design.

Woman's shoes -- Plain 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. Do not price shoes w/ ornamentation or extra thick heals. Order of choice: Naturalizer, Capezio.

Woman's slacks -- Misses unlined slacks appropriate for office attire. The slacks should be a blend of cotton and polyester with or without a belt. Do not price elastic waist. Order of choice: Donnkenny, Alfred Dunner, Fundamental Things.

[[Page 56472]]

Woman's sweater -- Woman's sweater from catalog. Cotton knit crewneck pullover sweater. Machine washable. Order of choice: JC Penney's, Lands End.

Appendix 6.--Principal Pricing Changes [For Home Sale and Rental Communities see Appendix 8]

Current

Previous

Reason
Boy's polo shirt............. Not surveyed...... New item. 2. Cordless electric drill...... Not surveyed...... New item. 3. Cellular telephone service... Not surveyed...... New item. 4. Windshield (autoglass)

Not surveyed...... New item. replacement (Alaska only). 5. Private K-12 Education....... Not surveyed...... New item. 6. Hospital attendant (Puerto Not surveyed...... New item. Rico only). 7. Air ambulance insurance

Not surveyed...... New item. (Virgin Islands only). 8. Ground beef: 25% to 30% fat Ground beef: 25% Old specification content.

fat content.

too restrictive. 9. Waffles: package of 8 frozen Waffles: package Specification waffles.

of frozen waffles. improves price comparison. 10. Disposable diapers: 34 to 36 Disposable

Change improves count.

diapers: 36 count. price comparison. 11. Fruit drink: 64 fl. oz. can. Fruit drink: 46 Change improves fl. oz. can.

price comparison. 12. Potatoes: 5 lb. bag......... Potatoes: 10 lb. Change improves bag.

price comparison. 13. Appliances, electrical

Appliances,

Sears available in equipment, and hardware:

electrical

most areas. electrical/appliance, hardware, equipment, and and Sears stores.

hardware: electrical/ appliance and hardware stores. 14. Fast food: McDonalds and Fast food:

More widely used Pizza Hut.

McDonalds and outlet. Burger King. 15. Breakfast: Denny's, and Denny's and Bob More widely used Holiday Inn type.

Evans.

outlet. 16. Lunch: Denny's and TGIF..... Lunch: Denny's and Sizzlers out of Sizzlers.

business. 17. Dinner: Denny's, TGIF, and Dinner: Denny's Sizzlers out of Chart House types.

and Sizzlers. business. 18. Not surveyed................ Snowblower,

Winter items. skiing, woman's boots, jacket, man's boots, insulated shirt, parka, and roller skating. 19. Roundtrip airfares to

Roundtrip airfares Expands cost multiple locations, including to multiple

information base Omaha.

locations.

to include Midwestern destination. 20. Legal services: simple will. Legal services: More widely used real estate

service. closing.

Appendix 7--Consumption Goods and Services Analysis [1997 Survey]

Lower income

Middle income

Upper income Categories

Category ----------------------------------------------------------------------- indexes Weights* Subtotal Weights* Subtotal Weights* Subtotal

Anchorage, AK:
Food At Home......... 114.09 26.85 30.63 23.89 27.26 21.11 24.08
Food Away From Home.. 113.33 13.59 15.40 14.26 16.16 14.88 16.86
Tobacco.............. 111.35

2.91

3.24

2.41

2.68

1.95

2.17
Alcohol.............. 103.94

2.49

2.59

2.52

2.62

2.54

2.64
Furnishings and Household Operations... 101.51 15.19 15.42 16.35 16.60 17.45 17.71
Clothing............. 106.96 13.34 14.27 13.95 14.92 14.53 15.54
Domestic Services.... 103.29

1.80

1.86

2.03

2.10

2.23

2.30
Professional Services 96.55

6.97

6.73

6.81

6.58

6.66

6.43
Personal Care........ 107.64

3.58

3.85

3.49

3.76

3.41

3.67
Recreation.......... 116.85 13.28 15.52 14.29 16.70 15.24 17.81

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 109.51 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 109.38 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 109.21

Fairbanks, AK:
Food At Home......... 114.99 26.85 30.87 23.89 27.47 21.11 24.27
Food Away From Home.. 118.84 13.59 16.15 14.26 16.95 14.88 17.68
Tobacco.............. 106.38

2.91

3.10

2.41

2.56

1.95

2.07
Alcohol.............. 108.06

2.49

2.69

2.52

2.72

2.54

2.74
Furnishings and Household Operations... 105.76 15.19 16.06 16.35 17.29 17.45 18.46
Clothing............. 103.54 13.34 13.81 13.95 14.44 14.53 15.04
Domestic Services.... 94.981.80

1.71

2.03

1.93

2.23

2.12
Professional Services 86.32

6.97

6.02

6.81

5.88

6.66

5.75
Personal Care........ 98.69

3.58

3.53

3.49

3.44

3.41

3.37
Recreation.......... 121.00 13.28 16.07 14.29 17.29 15.24 18.44

[[Page 56473]]

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 110.01 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 109.97 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 109.94

Juneau, AK:
Food At Home......... 122.34 26.85 32.85 23.89 29.23 21.11 25.83
Food Away From Home.. 126.00 13.59 17.12 14.26 17.97 14.88 18.75
Tobacco.............. 98.85

2.91

2.88

2.41

2.38

1.95

1.93
Alcohol.............. 112.09

2.49

2.79

2.52

2.82

2.54

2.85
Furnishings and Household Operations... 109.76 15.19 16.67 16.35 17.95 17.45 19.15
Clothing............. 107.20 13.34 14.30 13.95 14.95 14.53 15.58
Domestic Services.... 102.96

1.80

1.85

2.03

2.09

2.23

2.30
Professional Services 93.88

6.97

6.54

6.81

6.39

6.66

6.25
Personal Care........ 123.76

3.58

4.43

3.49

4.32

3.41

4.22
Recreation.......... 139.96 13.28 18.59 14.29 20.00 15.24 21.33

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 118.02 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 118.10 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 118.19

Nome, AK:
Food At Home......... 165.41 26.85 44.41 23.89 39.52 21.11 34.92
Food Away From Home.. 145.26 13.59 19.74 14.26 20.71 14.88 21.61
Tobacco.............. 114.44

2.91

3.33

2.41

2.76

1.95

2.23
Alcohol.............. 115.22

2.49

2.87

2.52

2.90

2.54

2.93
Furnishings and Household Operations... 122.80 15.19 18.65 16.35 20.08 17.45 21.43
Clothing............. 114.79 13.34 15.31 13.95 16.01 14.53 16.68
Domestic Services.... 107.90

1.80

1.94

2.03

2.19

2.23

2.41
Professional Services 97.81

6.97

6.82

6.81

6.66

6.66

6.51
Personal Care........ 115.04

3.58

4.12

3.49

4.01

3.41

3.92
Recreation.......... 174.48 13.28 23.17 14.29 24.93 15.24 26.59

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 140.36 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 139.77 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 139.23

Honolulu, HI:
Food At Home......... 136.63 26.85 36.69 23.89 32.64 21.11 28.84
Food Away From Home.. 118.58 13.59 16.12 14.26 16.91 14.88 17.64
Tobacco.............. 116.44

2.91

3.39

2.41

2.81

1.95

2.27
Alcohol.............. 106.29

2.49

2.65

2.52

2.68

2.54

2.70
Furnishings and Household Operations... 109.20 15.19 16.59 16.35 17.85 17.45 19.06
Clothing............. 107.94 13.34 14.40 13.95 15.06 14.53 15.68
Domestic Services.... 94.54

1.80

1.70

2.03

1.92

2.23

2.11
Professional Services 86.14

6.97

6.00

6.81

5.87

6.66

5.74
Personal Care........ 115.19

3.58

4.12

3.49

4.02

3.41

3.93
Recreation.......... 113.19 13.28 15.03 14.29 16.17 15.24 17.25

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 116.69 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 115.93 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 115.22

Hilo, HI:
Food At Home......... 137.50 26.85 36.92 23.89 32.85 21.11 29.03
Food Away From Home.. 112.26 13.59 15.26 14.26 16.01 14.88 16.70
Tobacco.............. 113.982.91

3.32

2.41

2.75

1.95

2.22
Alcohol.............. 102.70

2.49

2.56

2.52

2.59

2.54

2.61

[[Page 56474]]
Furnishings and Household Operations... 106.01 15.19 16.10 16.35 17.33 17.45 18.50
Clothing............. 104.43 13.34 13.93 13.95 14.57 14.53 15.17
Domestic Services.... 82.09

1.80

1.48

2.03

1.67

2.23

1.83
Professional Services 90.32

6.97

6.30

6.81

6.15

6.66

6.02
Personal Care........ 104.42

3.58

3.74

3.49

3.64

3.41

3.56
Recreation.......... 112.18 13.28 14.90 14.29 16.03 15.24 17.10

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 114.51 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 113.59 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 112.74

Kailua Kona, HI:
Food At Home......... 138.62 26.85 37.22 23.89 33.12 21.11 29.26
Food Away From Home.. 134.09 13.59 18.22 14.26 19.12 14.88 19.95
Tobacco.............. 113.982.91

3.32

2.41

2.75

1.95

2.22
Alcohol.............. 104.16

2.49

2.59

2.52

2.62

2.54

2.65
Furnishings and Household Operations... 107.43 15.19 16.32 16.35 17.56 17.45 18.75
Clothing............. 113.55 13.34 15.15 13.95 15.84 14.53 16.50
Domestic Services.... 96.14

1.80

1.73

2.03

1.95

2.23

2.14
Professional Services 101.45

6.97

7.07

6.81

6.91

6.66

6.76
Personal Care........ 102.87

3.58

3.68

3.49

3.59

3.41

3.51
Recreation.......... 123.40 13.28 16.39 14.29 17.63 15.24 18.81

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 121.69 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 121.09 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 120.55

Kauai County, HI:
Food At Home......... 145.59 26.85 39.09 23.89 34.78 21.11 30.73
Food Away From Home.. 118.12 13.59 16.05 14.26 16.84 14.88 17.58
Tobacco.............. 120.05

2.91

3.49

2.41

2.89

1.95

2.34
Alcohol.............. 100.44

2.49

2.50

2.52

2.53

2.54

2.55
Furnishings and Household Operations... 109.20 15.19 16.59 16.35 17.85 17.45 19.06
Clothing............. 109.28 13.34 14.58 13.95 15.24 14.53 15.88
Domestic Services.... 83.10

1.80

1.50

2.03

1.69

2.23

1.85
Professional Services 98.04

6.97

6.83

6.81

6.68

6.66

6.53
Personal Care........ 113.22

3.58

4.05

3.49

3.95

3.41

3.86
Recreation.......... 114.67 13.28 15.23 14.29 16.39 15.24 17.48

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 119.91 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 118.84 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 117.86

Maui County, HI:
Food At Home......... 150.23 26.85 40.34 23.89 35.89 21.11 31.71
Food Away From Home.. 128.95 13.59 17.52 14.26 18.39 14.88 19.19
Tobacco.............. 123.75

2.91

3.60

2.41

2.981.95

2.41
Alcohol.............. 101.77

2.49

2.53

2.52

2.56

2.54

2.58
Furnishings and Household Operations... 109.52 15.19 16.64 16.35 17.91 17.45 19.11
Clothing............. 102.93 13.34 13.73 13.95 14.36 14.53 14.96
Domestic Services.... 86.47

1.80

1.56

2.03

1.76

2.23

1.93
Professional Services 91.14

6.97

6.35

6.81

6.21

6.66

6.07
Personal Care........ 111.33

3.58

3.99

3.49

3.89

3.41

3.80
Recreation.......... 115.88 13.28 15.39 14.29 16.56 15.24 17.66

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 121.65 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 120.51 .......... ..........

[[Page 56475]]

Upper........... .......... .......... .......... .......... .......... .......... 119.42

Guam:
Food At Home......... 129.56 26.85 34.79 23.89 30.95 21.11 27.35
Food Away From Home.. 131.9813.59 17.94 14.26 18.82 14.88 19.64
Tobacco.............. 81.65

2.91

2.38

2.41

1.97

1.95

1.59
Alcohol.............. 86.19

2.49

2.15

2.52

2.17

2.54

2.19
Furnishings and Household Operations... 129.97 15.19 19.74 16.35 21.25 17.45 22.68
Clothing............. 108.15 13.34 14.43 13.95 15.09 14.53 15.71
Domestic Services.... 72.13

1.80

1.30

2.03

1.46

2.23

1.61
Professional Services 98.53

6.97

6.87

6.81

6.71

6.66

6.56
Personal Care........ 115.09

3.58

4.12

3.49

4.02

3.41

3.92
Recreation.......... 115.94 13.28 15.40 14.29 16.57 15.24 17.67

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 119.12 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 119.01 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 118.92

Guam Blend:**
Food At Home......... 105.9826.85 28.46 23.89 25.32 21.11 22.37
Food Away From Home.. 131.9813.59 17.94 14.26 18.82 14.88 19.64
Tobacco.............. 76.91

2.91

2.24

2.41

1.85

1.95

1.50
Alcohol.............. 86.19

2.49

2.15

2.52

2.17

2.54

2.19
Furnishings and Household Operations... 122.58 15.19 18.62 16.35 20.04 17.45 21.39
Clothing............. 103.38 13.34 13.79 13.95 14.42 14.53 15.02
Domestic Services.... 72.13

1.80

1.30

2.03

1.46

2.23

1.61
Professional Services 98.53

6.97

6.87

6.81

6.71

6.66

6.56
Personal Care........ 104.28

3.58

3.73

3.49

3.64

3.41

3.56
Recreation.......... 107.08 13.28 14.21 14.29 15.29 15.24 16.31

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 109.32 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 109.73 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 110.16

Puerto Rico:
Food At Home......... 104.85 26.85 28.15 23.89 25.05 21.11 22.13
Food Away From Home.. 109.68 13.59 14.91 14.26 15.64 14.88 16.32
Tobacco.............. 101.82

2.91

2.96

2.41

2.45

1.95

1.99
Alcohol.............. 117.64

2.49

2.93

2.52

2.96

2.54

2.99
Furnishings and Household Operations... 106.08 15.19 16.11 16.35 17.34 17.45 18.51
Clothing............. 103.92 13.34 13.86 13.95 14.50 14.53 15.10
Domestic Services.... 58.14

1.80

1.05

2.03

1.18

2.23

1.30
Professional Services 96.00

6.97

6.69

6.81

6.54

6.66

6.39
Personal Care........ 102.27

3.58

3.66

3.49

3.57

3.41

3.49
Recreation.......... 120.62 13.28 16.02 14.29 17.24 15.24 18.38

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 106.34 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 106.47 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 106.60

St. Croix, VI:
Food At Home......... 120.00 26.85 32.22 23.89 28.67 21.11 25.33
Food Away From Home.. 123.45 13.59 16.78 14.26 17.60 14.88 18.37
Tobacco.............. 61.95

2.91

1.80

2.41

1.49

1.95

1.21
Alcohol.............. 88.59

2.49

2.21

2.52

2.23

2.54

2.25
Furnishings and Household Operations... 118.35 15.19 17.9816.35 19.35 17.45 20.65
Clothing............. 112.71 13.34 15.04 13.95 15.72 14.53 16.38
Domestic Services.... 63.66

1.80

1.15

2.03

1.29

2.23

1.42
Professional Services 116.13

6.97

8.09

6.81

7.91

6.66

7.73
Personal Care........ 117.76

3.58

4.22

3.49

4.11

3.41

4.02

[[Page 56476]]
Recreation.......... 128.81 13.28 17.11 14.29 18.41 15.24 19.63

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 116.60 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 116.78 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 116.99

St. Thomas, VI:
Food At Home......... 130.05 26.85 34.92 23.89 31.07 21.11 27.45
Food Away From Home.. 113.10 13.59 15.37 14.26 16.13 14.88 16.83
Tobacco.............. 65.40

2.91

1.90

2.41

1.58

1.95

1.28
Alcohol.............. 101.15

2.49

2.52

2.52

2.55

2.54

2.57
Furnishings and Household Operations... 118.64 15.19 18.02 16.35 19.40 17.45 20.70
Clothing............. 103.45 13.34 13.80 13.95 14.43 14.53 15.03
Domestic Services.... 56.69

1.80

1.02

2.03

1.15

2.23

1.26
Professional Services 119.80

6.97

8.35

6.81

8.16

6.66

7.98
Personal Care........ 121.46

3.58

4.35

3.49

4.24

3.41

4.14
Recreation.......... 124.64 13.28 16.55 14.29 17.81 15.24 19.00

Total weights....... .......... 100.00 .......... 100.00 .......... 100.00 ..........

Total indexes: Lower........... .......... .......... 116.80 .......... .......... .......... .......... Middle.......... .......... .......... .......... .......... 116.52 .......... .......... Upper........... .......... .......... .......... .......... .......... .......... 116.24

*Numbers might not add to 100 due to rounding. **Local Retail and Commissary/Exchange

Consumption Goods and Services Analysis--Composites [1997 Survey]

Total indexes

Location

Weights Lower Middle Upper income income income

Hilo, HI.................... 75.99 114.51 113.59 112.74 Kailua Kona, HI............. 24.01 121.69 121.09 120.55

Total weight............ 100.00 ......... ......... .........

Hawaii County, HI...... ......... 116.23 115.39 114.62

St. Croix, VI............... 48.76 116.60 116.78 116.99 St. Thomas, VI.............. 51.24 116.80 116.52 116.24

Total weight............ 100.00 ......... ......... .........

Virgin Islands......... ......... 116.70 116.65 116.61

Appendix 8.--OPM Living Community List

Low

Middle

High

Anchorage, AK:

Homeowner........................ North Anchorage*....... North Anchorage*....... South Anchorage.*

Renter........................... North Anchorage*....... North Anchorage*....... South Anchorage.*

*Dividing line between North and South Anchorage is Tudor Road.

Fairbanks, AK:

Homeowner........................ Fairbanks.............. Fairbanks.............. Fairbanks.

Renter........................... Fairbanks.............. Fairbanks.............. Fairbanks. Juneau, AK:

Homeowner........................ Juneau/Mendenhall...... Juneau/Mendenhall...... Juneau/Mendenhall.

[[Page 56477]]

Renter........................... Juneau/Mendenhall...... Juneau/Mendenhall...... Juneau/Mendenhall. Nome, AK:

Homeowner........................ Nome................... Nome................... Nome.

Renter........................... Nome................... Nome................... Nome. Honolulu:

Homeowner........................ Pearl City............. Kailua................. Aina Haina. Waipahu................ Kanehoe................ Hawaii Kai. ....................... Mililani Town.......... Kaimuki. ....................... ....................... Manoa.

Renter........................... Kalihi................. Aiea................... Aina Haina. Pearl Harbor Area...... Kailua................. Hawaii Kai. ....................... Kanehoe................ Kaimuki. ....................... Mililani Town.......... Manoa. Hawaii County--Hilo:

Homeowner........................ Hilo................... Hilo................... Hilo.

Renter........................... Hilo................... Hilo................... Hilo. Hawaii County--Kailua Kona:

Homeowner........................ Kailua Kona Area....... Kailua Kona Area....... Kailua Kona Area.

Renter........................... Kailua Kona Area....... Kailua Kona Area....... Kailua Kona Area. Kauai:

Homeowner........................ Kauai.................. Kauai.................. Kauai.

Renter........................... Kauai.................. Kauai.................. Kauai. Maui:

Homeowner........................ Maui................... Maui................... Maui.

Renter........................... Maui................... Maui................... Maui. Guam:

Homeowner........................ Guam................... Guam................... Guam.

Renter........................... Guam................... Guam................... Guam. Puerto Rico:

Homeowner........................ Bayamon................ Rio Piedras including Guaynabo. VA Hospital Area. Carolina............... ....................... .......................

Renter........................... Bayamon................ Isla Verde............. Condado. Carolina............... Rio Piedras excluding Guaynabo. VA Hospital Area. Rio Piedras excluding ....................... ....................... VA Hospital Area. St. Croix:

Homeowner........................ St. Croix.............. St. Croix.............. St. Croix.

Renter........................... St. Croix.............. St. Croix.............. St. Croix. St. Thomas:

Homeowner........................ St. Thomas............. St. Thomas............. St. Thomas.

Renter........................... St. Thomas............. St. Thomas............. St. Thomas. Washington, DC DC:

Homeowner........................ Southeast DC........... Northeast DC........... Northwest DC.*

Renter........................... Southeast DC........... Northeast 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 9--Historical Home Market Values and Interest Rates

Interest rate Area

Year

(percent) Income level Market value Annual P&I*

Anchorage, AK................

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

[[Page 56478]]

.............. .............. 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 1997

7.792 Lower............

86,859

5,997.96 .............. .............. Middle...........

119,561

8,256.24 .............. .............. Upper............

149,073 10,294.20 Fairbanks, AK................

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 .............. .............. 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 1997

8.183 Lower............

78,804

5,647.92 .............. .............. Middle...........

97,110

6,959.88 .............. .............. Upper............

122,196

8,757.72 Juneau, AK...................

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

[[Page 56479]]

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 1997

7.792 Lower............

130,266

8,995.44 .............. .............. Middle...........

162,955 11,252.76 .............. .............. Upper............

185,011 12,775.80 Nome, AK.....................

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 1997

8.183 Lower............

99,324

7,118.52 .............. .............. Middle...........

143,468 10,282.32 .............. .............. Upper............

187,612 13,446.12 Honolulu, HI.................

1987

10.375 Lower............

122,352 10,634.76 .............. .............. Middle...........

151,096 13,133.16 .............. .............. Upper............

281,713 24,486.24 1988

11.000 Lower............

134,388 12,286.20 .............. .............. Middle...........

173,823 15,891.48 .............. .............. Upper............

335,274 30,651.72 1989

10.500 Lower............

182,268 16,005.84 .............. .............. Middle...........

231,218 20,304.36 .............. .............. Upper............

410,550 36,052.44 1990

10.250 Lower............

248,571 21,383.52 .............. .............. Middle...........

299,702 25,782.12 .............. .............. Upper............

510,714 43,934.52 1991

9.125 Lower............

258,300 20,175.48 .............. .............. Middle...........

320,866 25,062.48 .............. .............. Upper............

501,701 39,187.20 1992

8.125 Lower............

192,168 13,697.64 .............. .............. Middle...........

323,752 23,076.96 .............. .............. Upper............

483,820 34,486.56 1993

7.125 Lower............

243,072 15,721.20 .............. .............. Middle...........

331,006 21,408.48 .............. .............. Upper............

470,730 30,445.44 1994

9.333 Lower............

257,814 20,510.40 .............. .............. Middle...........

340,392 27,079.80 .............. .............. Upper............

466,242 37,091.88 1996

7.025 Lower............

220,896 14,144.04 .............. .............. Middle...........

303,849 19,455.60 .............. .............. Upper............

417,095 26,706.72 1997

7.875 Lower............

213,003 14,826.48 .............. .............. Middle...........

278,759 19,403.52 .............. .............. Upper............

401,642 27,957.00 Hilo, HI.....................

1987

10.375 Lower............

59,435

5,166.00 .............. .............. Middle...........

82,183

7,143.24

[[Page 56480]]

.............. .............. 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............

121,688 10,468.32 .............. .............. 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

9,124.92 .............. .............. Middle...........

162,500 12,927.96 .............. .............. Upper............

196,146 15,604.80 1996

7.000 Lower............

115,750

7,392.84 .............. .............. Middle...........

164,711 10,519.92 .............. .............. Upper............

183,841 11,741.76 1997

7.792 Lower............

89,064

6,150.24 .............. .............. Middle...........

139,191

9,611.76 .............. .............. Upper............

186,983 12,912.00 Kailua Kona, HI..............

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 .............. .............. 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 12,111.36 .............. .............. Middle...........

215,826 17,170.44 .............. .............. Upper............

224,128 17,830.92 1996

6.958 Lower............

144,434

9,186.12 .............. .............. Middle...........

191,923 12,206.40 .............. .............. Upper............

220,752 14,039.88 1997

8.042 Lower............

141,552 10,010.88 .............. .............. Middle...........

186,056 13,158.36 .............. .............. Upper............

219,674 15,535.92 Kauai County, HI.............

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

[[Page 56481]]

.............. .............. 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 1997

8.042 Lower............

151,551 10,718.04 .............. .............. Middle...........

209,781 14,836.32 .............. .............. Upper............

235,688 16,668.48 Maui County, HI..............

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 .............. .............. 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 1997

7.417 Lower............

182,448 12,147.36 .............. .............. Middle...........

234,429 15,608.28 .............. .............. Upper............

274,074 18,247.80 Guam.........................

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

[[Page 56482]]

1996

7.875 Lower............

130,746

9,100.80 .............. .............. Middle...........

180,074 12,534.36 .............. .............. Upper............

224,347 15,616.08 1997

7.917 Lower............

149,292 10,433.52 .............. .............. Middle...........

162,500 11,356.56 .............. .............. Upper............

212,500 14,850.96 Puerto Rico..................

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 1997

7.770 Lower............

73,683

5,077.32 .............. .............. Middle...........

108,849

7,500.60 .............. .............. Upper............

172,244 11,869.08 St. Croix, VI................

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 1997

9.250 Lower............

78,489

6,198.84 .............. .............. Middle...........

128,076 10,115.04 .............. .............. Upper............

152,099 12,012.24 St. Thomas, VI...............

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

[[Page 56483]]

.............. .............. 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 1997

8.333 Lower............

137,936 10,025.52 .............. .............. Middle...........

197,134 14,328.24 .............. .............. Upper............

187,673 13,640.52 Washington, DC (DC)..........

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 .............. .............. 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 1997

7.823 Lower............

56,115

3,886.56 .............. .............. Middle...........

82,940

5,744.52 .............. .............. Upper............

220,779 15,291.24 Washington, DC (MD)..........

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

[[Page 56484]]

.............. .............. 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 1997

7.920 Lower............

94,536

6,608.76 .............. .............. Middle...........

160,823 11,242.56 .............. .............. Upper............

199,648 13,956.72 Washington, DC (VA)..........

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 .............. .............. 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 1997

7.858 Lower............

104,364

7,252.56 .............. .............. Middle...........

160,706 11,168.04 .............. .............. Upper............

229,925 15,978.24

*Principal and interest assumes 80 financing.

Appendix 10.--Historical Housing Data

Lower

Middle

Upper Year

Weights amounts Subtotal amounts Subtotal amounts Subtotal

Anchorage, AK:
6.31 6,469.56 408.23 8,715.12 549.92 10,398.36 656.14
6.77 6,517.44 441.23 8,895.60 602.23 10,291.08 696.71
8.19 6,235.80 510.71 8,628.72 706.69 10,390.20 850.96
7.03 5,229.00 367.60 7,490.40 526.58 9,874.32 694.16
7.72 5,074.92 391.78 7,430.88 573.66 10,767.84 831.28
8.32 5,053.92 420.49 7,061.88 587.55 9,324.48 775.80
10.08 4,906.92 494.62 6,733.56 678.74 8,478.60 854.64
12.92 6,218.76 803.46 7,622.76 984.86 10,048.80 1,298.30
13.78 5,409.96 745.49 7,287.24 1,004.18 9,034.68 1,244.98
18.88 5,997.96 1,132.41 8,256.24 1,558.78 10,294.20 1,943.54

Totals................ 100.00 .......... 5,716.02 .......... 7,773.19 .......... 9,846.51

Fairbanks, AK:
6.31 5,736.24 361.96 7,821.72 493.55 10,526.64 664.23
6.77 5,681.28 384.62 8,183.52 554.02 10,842.24 734.02
8.19 5,313.96 435.21 8,164.32 668.66 10,627.44 870.39
7.03 4,353.24 306.03 7,193.40 505.70 9,217.08 647.96

[[Page 56485]]
7.72 5,472.84 422.50 7,832.52 604.67 10,582.44 816.96
8.32 4,953.84 412.16 7,233.36 601.82 8,253.24 686.67
10.08 5,184.60 522.61 7,649.64 771.08 8,685.72 875.52
12.92 5,186.76 670.13 6,337.80 818.84 8,157.48 1,053.95
13.78 4,716.12 649.88 5,990.76 825.53 7,493.16 1,032.56
18.88 5,647.92 1,066.33 6,959.88 1,314.03 8,757.72 1,653.46

Totals................ 100.00 .......... 5,231.43 .......... 7,157.90 .......... 9,035.72

Juneau, AK:
6.31 6,699.96 422.77 8,052.36 508.10 9,652.44 609.07
6.77 6,712.68 454.45 8,235.96 557.57 9,999.84 676.99
8.19 6,352.08 520.24 7,966.68 652.47 9,799.20 802.55
7.03 6,746.88 474.31 8,536.08 600.09 10,609.08 745.82
7.72 6,911.04 533.53 8,836.68 682.19 11,300.76 872.42
8.32 6,241.92 519.33 8,234.04 685.07 9,568.08 796.06
10.08 6,307.32 635.78 7,974.72 803.85 9,564.36 964.09
12.92 7,681.80 992.49 10,358.16 1,338.27 12,231.48 1,580.31
13.78 7,389.72 1,018.30 9,298.44 1,281.33 10,963.20 1,510.73
18.88 8,995.44 1,698.34 11,252.76 2,124.52 12,775.80 2,412.07

Totals................ 100.00 .......... 7,269.54 .......... 9,233.46 .......... 10,970.11

Nome, AK:
6.31 6,497.04 409.96 8,591.76 542.14 10,335.96 652.20
6.77 6,916.56 468.25 9,146.76 619.24 11,004.24 744.99
8.19 7,039.56 576.54 9,309.36 762.44 11,199.96 917.28
7.03 6,348.96 446.33 8,396.16 590.25 10,101.12 710.11
7.72 5,492.04 423.99 7,531.32 581.42 9,454.68 729.90
8.32 4,023.96 334.79 5,518.08 459.10 6,927.36 576.36
10.08 5,596.56 564.13 7,674.60 773.60 9,634.68 971.18
12.92 6,101.16 788.27 8,812.80 1,138.61 11,524.44 1,488.96
13.78 5,229.48 720.62 7,707.60 1,062.11 9,003.84 1,240.73
18.88 7,118.52 1,343.9810,282.32 1,941.30 13,446.12 2,538.63

Totals................ 100.00 .......... 6,076.86 .......... 8,470.21 .......... 10,570.34

Honolulu, HI:
6.31 10,634.76 671.05 13,133.16 828.70 24,486.24 1,545.08
6.77 12,286.20 831.78 15,891.48 1,075.85 30,651.72 2,075.12
8.19 16,005.84 1,310.88 20,304.36 1,662.93 36,052.44 2,952.69
7.03 21,383.52 1,503.26 25,782.12 1,812.48 43,934.52 3,088.60
7.72 20,175.48 1,557.55 25,062.48 1,934.82 39,187.20 3,025.25
8.32 13,697.64 1,139.64 23,076.96 1,920.00 34,486.56 2,869.28
10.08 15,721.20 1,584.70 21,408.48 2,157.97 30,445.44 3,068.90
12.92 20,510.40 2,649.94 27,079.80 3,498.71 37,091.88 4,792.27
13.78 14,144.04 1,949.05 19,455.60 2,680.9826,706.72 3,680.19
18.88 14,826.48 2,799.24 19,403.52 3,663.38 27,957.00 5,278.28

Totals................ 100.00 .......... 15,997.09 .......... 21,235.82 .......... 32,375.66

Hilo, HI:
6.31 5,166.00 325.97 7,143.24 450.74 9,221.88 581.90
6.77 6,254.28 423.41 8,444.88 571.72 10,459.92 708.14
8.19 6,795.60 556.56 9,006.24 737.61 10,777.32 882.66
7.03 10,468.32 735.92 9,361.44 658.11 14,132.52 993.52
7.72 10,474.44 808.63 14,114.28 1,089.62 15,934.20 1,230.12
8.32 9,319.32 775.37 11,611.68 966.09 14,103.60 1,173.42
10.08 8,269.20 833.54 11,195.28 1,128.48 13,065.96 1,317.05
12.92 9,124.92 1,178.94 12,927.96 1,670.29 15,604.80 2,016.14
13.78 7,392.84 1,018.73 10,519.92 1,449.64 11,741.76 1,618.01
18.88 6,150.24 1,161.17 9,611.76 1,814.70 12,912.00 2,437.79

Totals................ 100.00 .......... 7,818.24 .......... 10,537.00 .......... 12,958.75

Kailua Kona, HI:
6.31 7,725.36 487.47 10,637.76 671.24 12,194.52 769.47
6.77 9,202.80 623.03 12,541.44 849.06 14,691.00 994.58
8.19 9,874.32 808.71 13,345.56 1,093.00 15,902.16 1,302.39
7.03 11,579.88 814.07 16,336.32 1,148.44 19,364.40 1,361.32
7.72 12,096.60 933.86 15,949.08 1,231.27 20,059.44 1,548.59
8.32 11,395.32 948.09 15,891.84 1,322.20 18,605.28 1,547.96

[[Page 56486]]
10.08 9,938.64 1,001.81 14,180.16 1,429.36 16,939.08 1,707.46
12.92 12,111.36 1,564.79 17,170.44 2,218.42 17,830.92 2,303.75
13.78 9,186.12 1,265.85 12,206.40 1,682.04 14,039.88 1,934.70
18.88 10,010.88 1,890.05 13,158.36 2,484.30 15,535.92 2,933.18

Totals................ 100.00 .......... 10,337.73 .......... 14,129.33 .......... 16,403.40

Kauai, HI:
6.31 6,829.80 430.96 9,238.92 582.9810,544.88 665.38
6.77 8,323.68 563.51 11,387.28 770.92 13,309.44 901.05
8.19 9,090.24 744.49 12,541.56 1,027.15 15,622.32 1,279.47
7.03 15,256.80 1,072.55 20,116.80 1,414.21 25,451.04 1,789.21
7.72 13,617.12 1,051.24 17,957.16 1,386.29 22,714.08 1,753.53
8.32 12,245.28 1,018.81 15,797.28 1,314.33 19,524.96 1,624.48
10.08 11,122.08 1,121.11 14,349.12 1,446.39 17,734.08 1,787.60
12.92 12,995.64 1,679.04 17,677.20 2,283.89 20,287.08 2,621.09
13.78 11,251.32 1,550.43 14,510.28 1,999.52 16,859.40 2,323.23
18.88 10,718.04 2,023.57 14,836.32 2,801.10 16,668.48 3,147.01

Totals................ 100.00 .......... 11,255.71 .......... 15,026.78 .......... 17,892.05

Maui, HI:
6.31 8,717.40 550.07 11,639.40 734.45 14,637.24 923.61
6.77 11,071.92 749.57 14,691.00 994.58 18,474.84 1,250.75
8.19 13,293.84 1,088.77 17,639.04 1,444.64 22,182.12 1,816.72
7.03 14,976.36 1,052.84 19,871.64 1,396.9824,989.64 1,756.77
7.72 16,453.68 1,270.22 21,831.36 1,685.38 27,454.80 2,119.51
8.32 14,820.00 1,233.02 19,667.88 1,636.37 24,728.76 2,057.43
10.08 11,648.28 1,174.15 16,523.40 1,665.56 20,104.56 2,026.54
12.92 14,320.32 1,850.19 19,936.08 2,575.74 22,152.12 2,862.05
13.78 12,299.64 1,694.89 16,643.88 2,293.53 18,083.76 2,491.94
18.88 12,147.36 2,293.42 15,608.28 2,946.84 18,247.80 3,445.18

Totals................ 100.00 .......... 12,957.14 .......... 17,374.07 .......... 20,750.50

Guam:
6.31 6,505.08 410.47 7,979.40 503.50 16,409.16 1,035.42
6.77 7,704.36 521.59 9,500.64 643.19 18,950.76 1,282.97
8.19 8,145.12 667.09 10,089.48 826.33 19,620.72 1,606.94
7.03 9,060.24 636.93 11,253.60 791.13 21,448.32 1,507.82
7.72 9,662.04 745.91 12,001.08 926.48 22,873.20 1,765.81
8.32 10,554.60 878.14 13,109.88 1,090.74 24,986.28 2,078.86
10.08 9,954.48 1,003.41 13,017.84 1,312.20 17,811.36 1,795.39
12.92 11,290.32 1,458.71 15,925.44 2,057.57 20,674.56 2,671.15
13.78 9,100.80 1,254.09 12,534.36 1,727.23 15,616.08 2,151.90
18.88 10,433.52 1,969.85 11,356.56 2,144.12 14,850.96 2,803.86

Totals................ 100.00 .......... 9,546.19 .......... 12,022.49 .......... 18,700.12

Puerto Rico:
6.31 5,346.36 337.36 6,548.64 413.22 9,478.80 598.11
6.77 5,837.04 395.17 7,149.48 484.02 10,348.44 700.59
8.19 6,165.48 504.95 7,551.84 618.50 10,632.72 870.82
7.03 6,782.04 476.78 8,307.00 583.9811,696.04 822.23
7.72 6,324.48 488.25 7,657.68 591.17 10,777.44 832.02
8.32 4,438.68 369.30 6,038.88 502.43 10,830.72 901.12
10.08 3,970.44 400.22 5,438.28 548.18 9,822.96 990.15
12.92 5,048.16 652.22 7,720.92 997.54 10,847.64 1,401.52
13.78 4,813.92 663.36 7,413.96 1,021.64 11,627.40 1,602.26
18.88 5,077.32 958.60 7,500.60 1,416.11 11,869.08 2,240.88

Totals................ 100.00 .......... 5,246.21 .......... 7,176.79 .......... 10,959.70

St. Croix, VI:
6.31 5,346.12 337.34 6,927.72 437.14 11,754.96 741.74
6.77 6,522.36 441.56 8,451.96 572.20 14,341.08 970.89
8.19 6,272.52 513.72 8,128.20 665.70 13,791.84 1,129.55
7.03 7,544.28 530.36 9,776.28 687.27 16,588.32 1,166.16
7.72 7,336.32 566.36 9,505.80 733.85 16,129.80 1,245.22
8.32 8,365.68 696.02 12,258.96 1,019.95 15,178.68 1,262.87
10.08 8,242.44 830.84 12,708.00 1,280.97 14,155.92 1,426.92
12.92 6,024.00 778.30 9,966.84 1,287.72 16,344.96 2,111.77

[[Page 56487]]
13.78 6,691.32 922.06 9,680.88 1,334.03 14,017.44 1,931.60
18.88 6,198.84 1,170.34 10,115.04 1,909.72 12,012.24 2,267.91

Totals................ 100.00 .......... 6,786.90 .......... 9,928.55 .......... 14,254.63

St. Thomas, VI:
6.31 10,231.80 645.63 12,946.44 816.92 15,452.28 975.04
6.77 11,961.12 809.77 15,134.40 1,024.60 18,063.60 1,222.91
8.19 12,301.20 1,007.47 15,564.84 1,274.76 18,577.32 1,521.48
7.03 11,422.08 802.97 14,452.32 1,016.00 17,249.64 1,212.65
7.72 10,916.64 842.76 15,544.80 1,200.06 18,134.28 1,399.97
8.32 9,959.04 828.59 14,181.24 1,179.88 16,543.56 1,376.42
10.08 10,074.00 1,015.46 14,339.88 1,445.46 16,728.48 1,686.23
12.92 8,290.44 1,071.12 14,798.52 1,911.97 15,204.60 1,964.43
13.78 9,987.00 1,376.21 14,273.16 1,966.84 13,588.08 1,872.44
18.88 10,025.52 1,892.82 14,328.24 2,705.17 13,640.52 2,575.33

Totals................ 100.00 .......... 10,292.80 .......... 14,541.66 .......... 15,806.90

Washington, DC (DC):
6.31 6,068.52 382.92 9,722.16 613.47 16,114.68 1,016.84
6.77 6,702.60 453.77 11,136.48 753.94 17,765.88 1,202.75
8.19 6,701.52 548.85 11,474.40 939.75 17,829.00 1,460.20
7.03 7,325.52 514.9811,751.84 826.15 19,671.24 1,382.89
7.72 7,116.12 549.36 11,416.08 881.32 19,112.40 1,475.48
8.32 6,589.32 548.23 9,233.04 768.19 17,500.56 1,456.05
10.08 6,190.80 624.03 7,626.48 768.75 19,000.56 1,915.26
12.92 6,170.04 797.17 7,851.72 1,014.44 22,922.64 2,961.61
13.78 4,972.20 685.17 7,503.12 1,033.93 19,743.24 2,720.62
18.88 3,886.56 733.78 5,744.52 1,084.57 15,291.24 2,886.99

Totals................ 100.00 .......... 5,838.26 .......... 8,684.51 .......... 18,478.69

Washington, DC (MD):
6.31 5,621.64 354.73 8,705.04 549.29 10,357.56 653.56
6.77 6,370.68 431.30 9,865.20 667.87 11,737.80 794.65
8.19 6,854.04 561.35 10,613.64 869.26 12,628.44 1,034.27
7.03 7,460.28 524.46 11,552.28 812.13 13,745.28 966.29
7.72 7,059.48 544.99 10,931.88 843.94 12,835.80 990.92
8.32 7,559.28 628.93 9,512.28 791.42 15,053.64 1,252.46
10.08 6,143.52 619.27 7,884.36 794.74 13,543.68 1,365.20
12.92 6,831.24 882.60 12,567.72 1,623.75 16,073.40 2,076.68
13.78 6,912.12 952.49 14,083.80 1,940.75 14,206.80 1,957.70
18.88 6,608.76 1,247.73 11,242.56 2,122.60 13,956.72 2,635.03

Totals................ 100.00 .......... 6,747.85 .......... 11,015.75 .......... 13,726.76

Washington, DC (VA):
6.31 6,515.04 411.10 7,351.44 463.88 12,189.00 769.13
6.77 7,324.92 495.90 8,265.36 559.56 13,704.36 927.79
8.19 7,271.88 595.57 8,205.60 672.04 13,605.24 1,114.27
7.03 8,196.60 576.22 9,249.00 650.20 15,335.28 1,078.07
7.72 7,947.48 613.55 9,037.44 697.69 14,364.60 1,108.95
8.32 7,219.56 600.67 9,110.04 757.96 13,184.52 1,096.95
10.08 6,370.44 642.14 8,516.40 858.45 12,196.92 1,229.45
12.92 7,490.88 967.82 12,618.72 1,630.34 17,152.44 2,216.10
13.78 6,976.80 961.40 10,914.84 1,504.06 13,326.60 1,836.41
18.88 7,252.56 1,369.28 11,168.04 2,108.53 15,978.24 3,016.69

Totals................ 100.00 .......... 7,233.65 .......... 9,902.71 .......... 14,393.81

Appendix 11.--Summary of Rental Analyses

1997 Data medians

B&NB

Non-Brkr

Broker

$

$

$

Anchorage, AK:

Low.................................................

29

$534

26

$568

3

$500

[[Page 56488]]

Middle..............................................

25

712

22

698

3

725

High................................................

35

975

21

925

14

1,025 Fairbanks, AK:

Low.................................................

18

555

12

585

6

525

Middle..............................................

24

669

18

663

6

675

High................................................

17

947

11

1,050

6

843 Juneau, AK:

Low.................................................

19

707

13

700

6

713

Middle..............................................

16

869

10

863

6

875

High................................................

12

1,275

6

1,175

6

1,375 Nome, AK:

Low.................................................

7

750

0

NA

7

750

Middle..............................................

7

825

0

NA

7

825

High................................................

8

988

0

NA

8

988 *Honolulu, HI:

Low.................................................

135

850

135

700

0

1,000

Middle..............................................

554

963

541

925

13

1,000

High................................................

33

1,463

26

1,275

7

1,650 **Hilo, HI:

Low.................................................

79

453

73

400

6

506

Middle..............................................

91

491

91

475

0

506

High................................................

89

625

83

575

6

675 Kailua Kona, HI:

Low.................................................

63

584

57

575

6

593

Middle..............................................

58

732

55

699

3

765

High................................................

57

850

52

800

5

900 Kauai, HI:

Low.................................................

49

550

43

550

6

550

Middle..............................................

45

725

40

750

5

700

High................................................

50

799

44

673

6

925 Maui, HI:

Low.................................................

152

669

148

675

4

663

Middle..............................................

226

875

221

750

5

1,000

High................................................

209

978

204

755

5

1,200 ***Guam:

Low.................................................

10

638

10

575

0

700

Middle..............................................

15

875

15

725

0

1,025

High................................................

13

1,252

12

1,003

1

1,500 ****Puerto Rico:

Low.................................................

15

602

8

504

7

700

Middle..............................................

13

1,075

6

950

7

1,200

High................................................

5

1,725

5

1,950

0

1,500 St. Croix, VI:

Low.................................................

25

540

17

480

8

600

Middle..............................................

21

750

13

550

8

950

High................................................

21

1,038

13

800

8

1,275 St. Thomas, VI:

Low.................................................

25

700

20

700

5

700

Middle..............................................

18

962

12

998

6

925

High................................................

10

1,425

7

1,350

3

1,500 *****Washington, DC (DC)

Low.................................................

19

505

13

440

6

570

Middle..............................................

21

733

7

625

14

840

High................................................

7

1,275

2

1,000

5

1,550 ******Washington, DC (MD)

Low.................................................

16

555

13

555

3

555

Middle..............................................

29

765

22

705

7

825

High................................................

4

1,113

1

1,075

3

1,150 Washington, DC (VA)

Low.................................................

22

585

12

580

10

590

Middle..............................................

32

963

16

825

16

1,100

High................................................

10

1,375

7

1,250

3

1,500

*Adjustment made to broker data at lower income level because it is unlikely that a smaller rental unit in a lower income level community would rent for more than a larger unit in a middle income level community. **Adjustment made to broker data at middle income level because it is unlikely that a larger rental unit in a middle income level community would rent for less than a smaller unit in a lower income level community. ***Used last year's broker data at the lower and middle income levels because this year's data are internally inconsistent. ****Used last year's broker quote at the upper income level because this year's data reflect incorrect rental information.

[[Page 56489]]

*****Used last year's broker and non-broker data at the upper income level. This year's data were sparse, and increases substantially exceed those at the other income levels. ******Used last year's broker and non-broker data at the upper income level. This year's data were sparse, and the substantial decreases were inconsistent with the increases observed at other income levels.

Appendix 12--Housing Cost Analysis [1997 Survey]

Annual costs

Lower income

Middle income

Upper income

Owner

Renter

Owner

Renter

Owner

Renter

Anchorage, AK:

Maintenance.........................................

$716

$61

$842

$72

$968

$77

Insurance...........................................

358

$170

438

$170

509

$164

Utilities...........................................

1,663

1,467

1,907

1,663

2,151

1,777

Real estate taxes...................................

1,619 ..............

2,226 ..............

2,784 ..............

Housing.............................................

5,716

6,408

7,773

8,544

9,847

11,700

Total annual cost...............................

10,072

8,106

13,186

10,449

16,259

13,718

Fairbanks, AK:

Maintenance.........................................

1,101

94

1,295

110

1,489

119

Insurance...........................................

361

101

343

101

401

113

Utilities...........................................

2,624

2,297

3,032

2,624

3,440

2,814

Real estate taxes...................................

1,262 ..............

1,686 ..............

2,171 ..............

Housing.............................................

5,231

6,660

7,158

8,028

9,036

11,364

Total annual cost...............................

10,579

9,152

13,514

10,863

16,537

14,410

Juneau, AK:

Maintenance.........................................

995

85

1,170

99

1,346

108

Insurance...........................................

512

106

568

106

592

105

Utilities...........................................

2,780

2,433

3,213

2,780

3,647

2,982

Real estate taxes...................................

1,590 ..............

1,920 ..............

2,200 ..............

Housing.............................................

7,270

8,484

9,233

10,428

10,970

15,300

Total annual cost...............................

13,147

11,108

16,104

13,413

18,755

18,495

Nome, AK:

Maintenance.........................................

633

54

745

63

856

68

Insurance...........................................

483

124

559

124

655

140

Utilities...........................................

2,829

2,479

3,266

2,829

3,702

3,033

Real estate taxes...................................

1,266 ..............

1,829 ..............

2,392 ..............

Housing.............................................

6,077

9,000

8,470

9,900

10,570

11,856

Total annual cost...............................

11,288

11,657

14,869

12,916

18,175

15,097

Honolulu, HI:

Maintenance.........................................

841

72

989

84

1,138

91

Insurance...........................................

648

249

785

249

1,103

283

Utilities...........................................

1,836

1,634

2,090

1,836

2,343

1,955

Real estate taxes...................................

609 ..............

840 ..............

1,273 ..............

Housing.............................................

15,997

10,200

21,236

11,556

32,376

17,556

Total annual cost...............................

19,931

12,155

25,940

13,725

38,233

19,885

Hilo, HI:

Maintenance.........................................

1,042

89

1,225

104

1,409

113

Insurance...........................................

577

350

666

350

823

395

Utilities...........................................

1,973

1,752

2,249

1,973

2,524

2,102

Real estate taxes...................................

218 ..............

441 ..............

654 ..............

Housing.............................................

7,818

5,436

10,537

5,892

12,959

7,500

Total annual cost...............................

11,628

7,627

15,118

8,319

18,369

10,110

Kailua Kona, HI:

Maintenance.........................................

1,065

91

1,253

106

1,441

115

Insurance...........................................

585

350

615

350

663

395

Utilities...........................................

1,973

1,753

2,249

1,973

2,525

2,102

Real estate taxes...................................

452 ..............

650 ..............

800 ..............

Housing.............................................

10,338

7,008

14,129

8,784

16,403

10,200

Total annual cost...............................

14,413

9,202

18,896

11,213

21,832

12,812

[[Page 56490]]

Kauai County, HI:

Maintenance.........................................

990

85

1,164

99

1,339

107

Insurance...........................................

744

331

692

331

730

372

Utilities...........................................

2,032

1,800

2,321

2,032

2,611

2,167

Real estate taxes...................................

403 ..............

613 ..............

706 ..............

Housing.............................................

11,256

6,600

15,027

8,700

17,892

9,588

Total annual cost...............................

15,425

8,816

19,817

11,162

23,278

12,234

Maui County, HI:

Maintenance.........................................

911

78

1,071

91

1,232

98

Insurance...........................................

662

446

745

446

860

508

Utilities...........................................

1,498

1,343

1,690

1,498

1,883

1,588

Real estate taxes...................................

499 ..............

681 ..............

819 ..............

Housing.............................................

12,957

8,028

17,374

10,500

20,751

11,736

Total annual cost...............................

16,527

9,895

21,561

12,535

25,545

13,930

Guam:

Maintenance.........................................

1,057

91

1,243

106

1,430

114

Insurance...........................................

1,576

367

1,709

367

2,234

440

Utilities...........................................

2,868

2,514

3,311

2,868

3,755

3,075

Real estate taxes...................................

418 ..............

459 ..............

617 ..............

Housing.............................................

9,546

7,656

12,022

10,500

18,700

15,024

Total annual cost...............................

15,465

10,628

18,744

13,841

26,736

18,653

Puerto Rico:

Maintenance.........................................

403

35

475

40

546

44

Insurance...........................................

470

180

714

180

1,181

252

Utilities...........................................

1,673

1,482

1,911

1,673

2,149

1,784

Real estate taxes...................................

0 ..............

9 ..............

627 ..............

Housing.............................................

5,246

7,224

7,177

12,900

10,960

20,700

Total annual cost...............................

7,792

8,921

10,286

14,793

15,463

22,780

St. Croix, VI:

Maintenance.........................................

578

50

680

58

782

62

Insurance...........................................

1,254

771

2,046

771

2,444

926

Utilities...........................................

1,590

1,417

1,806

1,590

2,022

1,690

Real estate taxes...................................

401 ..............

773 ..............

953 ..............

Housing.............................................

6,787

6,480

9,929

9,000

14,255

12,456

Total annual cost...............................

10,610

8,718

15,234

11,419

20,456

15,134

St. Thomas, VI:

Maintenance.........................................

609

52

717

61

824

66

Insurance...........................................

2,208

609

3,138

609

3,017

926

Utilities...........................................

1,589

1,416

1,806

1,589

2,022

1,690

Real estate taxes...................................

847 ..............

1,291 ..............

1,220 ..............

Housing.............................................

10,293

8,400

14,542

11,544

15,807

17,100

Total annual cost...............................

15,546

10,477

21,494

13,803

22,890

19,782

Washington, DC (DC):

Maintenance.........................................

564

48

664

56

763

61

Insurance...........................................

259

107

277

107

706

125

Utilities...........................................

2,516

2,202

2,909

2,516

3,302

2,700

Real estate taxes...................................

208 ..............

421 ..............

998 ..............

Housing.............................................

5,838

6,060

8,685

8,796

18,479

15,300

Total annual cost...............................

9,385

8,417

12,956

11,475

24,248

18,186

Washington, DC (MD):

Maintenance.........................................

564

48

664

56

763

61

Insurance...........................................

230

96

247

86

293

98

Utilities...........................................

1,826

1,616

2,089

1,826

2,351

1,948

Real estate taxes...................................

1,197 ..............

1,664 ..............

2,568 ..............

[[Page 56491]]

Housing.............................................

6,748

6,660

11,016

9,180

13,727

13,356

Total annual cost...............................

10,565

8,420

15,680

11,148

19,702

15,463

Washington, DC (VA):

Maintenance.........................................

564

48

664

56

763

61

Insurance...........................................

200

93

253

93

308

104

Utilities...........................................

1,837

1,626

2,101

1,837

2,365

1,960

Real estate taxes...................................

1,413 ..............

1,733 ..............

2,432 ..............

Housing.............................................

7,234

7,020

9,903

11,556

14,394

16,500

Total annual cost...............................

11,248

8,787

14,654

13,542

20,262

18,625

Housing Cost Analysis--Composites [1997 Survey]

Annual costs

Location

Weights Lower income

Middle income

Upper income

Owner Renter Owner Renter Owner Renter

Hilo, HI........................... 75.99 $11,628 $7,627 $15,118 $8,319 $18,369 $10,110 Kailua Kona, HI.................... 24.01 14,413 9,202 18,896 11,213 21,832 12,812

Total weight................... 100.00 ......... ......... ......... ......... ......... .........

Hawaii County, HI............. ......... 12,297 8,005 16,025 9,014 19,200 10,759

St. Croix, VI...................... 48.76 10,610 8,718 15,234 11,419 20,456 15,134 St. Thomas, VI..................... 51.24 15,546 10,477 21,494 13,803 22,890 19,782

Total weight................... 100.00 ......... ......... ......... ......... ......... .........

Virgin Islands................ ......... 13,139 9,619 18,442 12,641 21,703 17,516

Washington, DC, DC................. 33.34 9,385 8,417 12,956 11,475 24,248 18,186 Washington, DC, MD................. 33.33 10,565 8,420 15,680 11,148 19,702 15,463 Washington, DC, VA................. 33.33 11,248 8,787 14,654 13,542 20,262 18,625

Total weight................... 100.00 ......... ......... ......... ......... ......... .........

DC area....................... ......... 10,399 8,541 14,430 12,055 21,404 17,425

Appendix 13--Housing Analysis [1997 Survey]

Owners

Renters

Total annual Total cost DC

Total annual Total cost DC cost

area

Index

cost

area

Index

Anchorage, AK:

Lower income........................................

$10,072

$10,399

96.86

$8,106

$8,541

94.91

Middle income.......................................

13,186

14,430

91.38

10,449

12,055

86.68

Upper income........................................

16,259

21,404

75.96

13,718

17,425

78.73

Fairbanks, AK:

Lower income........................................

10,579

10,399

101.73

9,152

8,541

107.15

Middle income.......................................

13,514

14,430

93.65

10,863

12,055

90.11

Upper income........................................

16,537

21,404

77.26

14,410

17,425

82.70

Juneau, AK:

Lower income........................................

13,147

10,399

126.43

11,108

8,541

130.06

Middle income.......................................

16,104

14,430

111.60

13,413

12,055

111.27

[[Page 56492]]

Upper income........................................

18,755

21,404

87.62

18,495

17,425

106.14

Nome, AK:

Lower income........................................

11,288

10,399

108.55

11,657

8,541

136.48

Middle income.......................................

14,869

14,430

103.04

12,916

12,055

107.14

Upper income........................................

18,175

21,404

84.91

15,097

17,425

86.64

Honolulu, HI:

Lower income........................................

19,931

10,399

191.66

12,155

8,541

142.31

Middle income.......................................

25,940

14,430

179.76

13,725

12,055

113.85

Upper income........................................

38,233

21,404

178.63

19,885

17,425

114.12

Hawaii County, HI:

Lower income........................................

12,297

10,399

118.25

8,005

8,541

93.72

Middle income.......................................

16,025

14,430

111.05

9,014

12,055

74.77

Upper income........................................

19,200

21,404

89.70

10,759

17,425

61.74

Kauai County, HI:

Lower income........................................

15,425

10,399

148.33

8,816

8,541

103.22

Middle income.......................................

19,817

14,430

137.33

11,162

12,055

92.59

Upper income........................................

23,278

21,404

108.76

12,234

17,425

70.21

Maui County, HI:

Lower income........................................

16,527

10,399

158.93

9,895

8,541

115.85

Middle income.......................................

21,561

14,430

149.42

12,535

12,055

103.98

Upper income........................................

25,545

21,404

119.35

13,930

17,425

79.94

Guam:

Lower income........................................

15,465

10,399

148.72

10,628

8,541

124.44

Middle income.......................................

18,744

14,430

129.90

13,841

12,055

114.82

Upper income........................................

26,736

21,404

124.91

18,653

17,425

107.05

Puerto Rico:

Lower income........................................

7,792

10,399

74.93

8,921

8,541

104.45

Middle income.......................................

10,286

14,430

71.28

14,793

12,055

122.71

Upper income........................................

15,463

21,404

72.24

22,780

17,425

130.73

Virgin Islands:

Lower income........................................

13,139

10,399

126.35

9,619

8,541

112.62

Middle income.......................................

18,442

14,430

127.80

12,641

12,055

104.86

Upper income........................................

21,703

21,404

101.40

17,516

17,425

100.52

Appendix 14--Private Transportation Cost Analysis [1997 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........................................................

$873

$1,309

$1,637

Maintenance/oil.............................................

629

586

599

Tires.......................................................

126

188

154

License and registration....................................

105

105

105

Miscellaneous tax...........................................

50

50

50

Depreciation................................................

2,217

3,496

3,593

Finance expense.............................................

732

878

997

Insurance...................................................

1,388

1,214

1,604

Total annual cost.......................................

6,120

7,826

8,739

Fairbanks, AK:

Fuel........................................................

964

1,446

1,807

Maintenance/oil.............................................

900

814

903

Tires.......................................................

132

206

163

License and registration....................................

35

35

40

[[Page 56493]]

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,755

3,719

4,412

Finance expense.............................................

841

950

1,170

Insurance...................................................

1,340

1,305

1,324

Total annual cost.......................................

6,967

8,475

9,819

Juneau, AK:

Fuel........................................................

918

1,378

1,722

Maintenance/oil.............................................

777

738

793

Tires.......................................................

142

188

161

License and registration....................................

73

73

73

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

1,794

3,423

3,704

Finance expense.............................................

670

875

1,025

Insurance...................................................

1,340

1,042

1,368

Total annual cost.......................................

5,714

7,717

8,846

Nome, AK:

Fuel........................................................

1,250

1,875

2,344

Maintenance/oil.............................................

965

907

971

Tires.......................................................

122

192

142

License and registration....................................

105

105

105

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,995

4,312

4,524

Finance expense.............................................

748

893

1,008

Insurance...................................................

1,388

1,328

1,562

Total annual cost.......................................

7,573

9,612

10,656

Honolulu, HI:

Fuel........................................................

831

1,247

1,558

Maintenance/oil.............................................

503

530

558

Tires.......................................................

103

119

187

License and registration....................................

105

125

145

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,639

3,846

4,521

Finance expense.............................................

992

1,158

1,421

Insurance...................................................

1,755

1,698

2,106

Total annual cost.......................................

6,928

8,723

10,496

Hilo, HI:

Fuel........................................................

879

1,318

1,648

Maintenance/oil.............................................

585

570

562

Tires.......................................................

123

236

177

License and registration....................................

105

125

145

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,438

3,274

4,440

Finance expense.............................................

929

1,019

1,372

Insurance...................................................

1,805

1,841

1,993

Total annual cost.......................................

6,864

8,383

10,337

Kailua Kona, HI:

Fuel........................................................

981

1,471

1,838

Maintenance/oil.............................................

718

682

691

Tires.......................................................

127

222

194

License and registration....................................

105

125

145

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,251

3,686

4,410

Finance expense.............................................

893

1,100

1,366

Insurance...................................................

1,965

1,841

2,086

Total annual cost.......................................

7,040

9,127

10,730

Kauai, HI:

[[Page 56494]]

Fuel........................................................

901

1,352

1,689

Maintenance/oil.............................................

544

507

587

Tires.......................................................

113

185

179

License and registration....................................

105

125

145

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,537

3,628

4,441

Finance expense.............................................

979

1,123

1,416

Insurance...................................................

1,457

1,403

1,786

Total annual cost.......................................

6,636

8,323

10,243

Maui, HI:

Fuel........................................................

917

1,376

1,720

Maintenance/oil.............................................

581

541

637

Tires.......................................................

97

145

157

License and registration....................................

105

125

145

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

1,899

3,431

4,660

Finance expense.............................................

856

1,092

1,471

Insurance...................................................

1,573

1,712

1,896

Total annual cost.......................................

6,028

8,422

10,686

Guam:

Fuel........................................................

861

1,292

1,614

Maintenance/oil.............................................

498

554

636

Tires.......................................................

89

180

154

License and registration....................................

42

47

47

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,104

3,996

4,049

Finance expense.............................................

843

1,133

1,265

Insurance...................................................

1,268

1,555

1,789

Total annual cost.......................................

5,705

8,757

9,554

Puerto Rico:

Fuel........................................................

574

861

1,076

Maintenance/oil.............................................

383

351

414

Tires.......................................................

86

175

190

License and registration....................................

76

76

76

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,350

4,348

5,044

Finance expense.............................................

874

1,178

1,428

Insurance...................................................

1,529

1,853

2,254

Total annual cost.......................................

5,872

8,842

10,482

St. Croix, VI:

Fuel........................................................

556

834

1,043

Maintenance/oil.............................................

427

401

506

Tires.......................................................

99

169

160

License and registration....................................

74

96

105

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,301

3,953

4,064

Finance expense.............................................

902

1,152

1,298

Insurance...................................................

2,169

3,062

3,988

Total annual cost.......................................

6,528

9,667

11,164

St. Thomas, VI:

Fuel........................................................

843

1,264

1,580

Maintenance/oil.............................................

495

504

570

Tires.......................................................

99

149

144

License and registration....................................

74

96

105

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

2,646

3,486

4,957

Finance expense.............................................

924

1,010

1,403

[[Page 56495]]

Insurance...................................................

1,854

2,498

3,032

Total annual cost.......................................

6,935

9,007

11,791

Washington, DC (DC):

Fuel........................................................

671

1,006

1,258

Maintenance/oil.............................................

356

330

337

Tires.......................................................

70

110

101

License and registration....................................

74

74

107

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

1,975

3,292

3,694

Finance expense.............................................

636

775

929

Insurance...................................................

1,504

1,413

1,520

Total annual cost.......................................

5,286

7,000

7,946

Washington, DC (MD):

Fuel........................................................

663

994

1,243

Maintenance/oil.............................................

371

323

347

Tires.......................................................

88

124

101

License and registration....................................

94

94

121

Miscellaneous tax...........................................

0

0

0

Depreciation................................................

1,788

3,206

4,754

Finance expense.............................................

593

744

1,060

Insurance...................................................

1,410

1,317

1,396

Total annual cost.......................................

5,007

6,802

9,022

Washington, DC (VA):

Fuel........................................................

614

922

1,152

Maintenance/oil.............................................

363

343

343

Tires.......................................................

67

84

96

License and registration....................................

55

60

60

Miscellaneous tax...........................................

458

543

730

Depreciation................................................

1,942

3,186

3,825

Finance expense.............................................

625

753

941

Insurance...................................................

1,000

926

1,018

Total annual cost.......................................

5,124

6,817

8,165

Private Transportation Cost Analysis--Composites [1997 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........................................

75.99

$6,864

$8,383

$10,337 Kailua Kona, HI.................................

24.01

7,040

9,127

10,730

Total weight................................

100.00 .............. .............. ..............

Hawaii County, HI.......................... ..............

6,906

8,562

10,431

St. Croix, VI...................................

48.76

6,528

9,667

11,164 St. Thomas, VI..................................

51.24

6,935

9,007

11,791

Total weight................................

100.00 .............. .............. ..............

Virgin Islands............................. ..............

6,737

9,329

11,485

Washington, DC, DC..............................

33.34

5,286

7,000

7,946 Washington, DC, MD..............................

33.33

5,007

6,802

9,022 Washington, DC, VA..............................

33.33

5,124

6,817

8,165

[[Page 56496]]

Total weight................................

100.00 .............. .............. ..............

DC area.................................... ..............

5,139

6,873

8,378

Appendix 15.--Auto Insurance Calculation Worksheet--Special Limits

Honda

Ford

Chevy

Guam

Average Local Insurance Price...............................

1201.33

1466.00

1705.00

Price of Equivalent Reference Area Coverage.................

1128.00

1032.33

1263.17

Index.......................................................

106.50

142.01

134.98

Price of Reference Area UM 100/300 Coverage.................

62.45

62.45

62.45

Estimated Local Equivalent UM Coverage......................

66.51

88.69

84.30

Adjusted Local Insurance Price..............................

1267.84

1554.69

1789.30

Puerto Rico

Average Local Insurance Price...............................

1448.60

1746.95

2147.48

Price of Equivalent Reference Area Coverage.................

1128.00

1032.33

1263.17

Index.......................................................

128.42

169.22

170.01

Price of Reference Area UM 100/300 Coverage.................

62.45

62.45

62.45

Estimated Local Equivalent UM Coverage......................

80.20

105.68

106.17

Adjusted Local Insurance Price..............................

1528.80

1852.63

2253.65

St. Croix

Average Local Insurance Price...............................

1582.56

2179.65

2691.87

Price of Equivalent Reference Area Coverage.................

868.47

779.43

894.73

Index.......................................................

182.22

279.65

300.86

Price of Specified Reference Area Coverage..................

1190.45

1094.78

1325.62

Adjusted Local Insurance Price..............................

2169.24

3061.55

3988.26

St. Thomas

Average Local Insurance Price...............................

1352.53

1778.64

2046.63

Price of Equivalent Reference Area Coverage.................

868.47

779.43

894.73

Index.......................................................

155.74

228.20

228.74

Price of Specified Reference Area Coverage..................

1190.45

1094.78

1325.62

Adjusted Local Insurance Price..............................

1854.01

2498.29

3032.22

Notes: Special adjustments were required for Guam, Puerto Rico, and U.S. Virgin Islands automobile insurance prices because the coverage available was significantly less than that surveyed in the other locations. In Guam and Puerto Rico, uninsured motorist (UM) coverage had significantly lower coverage or was not available. For both areas, the average price of the local policy was compared with the average price of equivalent coverage in the DC area, and an index was computed. That index was used to adjust the price of the DC area specified UM coverage, which was then added to the average local prices. In the U.S. Virgin Islands, all coverage (bodily injury, property damage, medical, collision, and comprehensive) was significantly less than that priced elsewhere. For these areas, the average price of the local policy was compared with equivalent coverage in the DC area, and an index was computed. That index was used to adjust the price of the DC specified coverage.

Appendix 16--Air Fares Cost Analysis [1997 Survey]

Average Location

allowance area Average DC

Index air fares area air fares

Anchorage, AK...................................................

$628

$355

176.90 Fairbanks, AK...................................................

$809

$355

227.89 Juneau, AK......................................................

$720

$355

202.82 Nome, AK........................................................

$1,026

$355

289.01 Honolulu, HI....................................................

$737

$355

207.61 Hawaii County, HI...............................................

908

$355

255.77 Kauai, HI.......................................................

$908

$355

255.77 Maui, HI........................................................

$895

$355

252.11 Guam............................................................

$1,738

$355

489.58 Puerto Rico.....................................................

$548

$355

154.37 Virgin Islands..................................................

831

$355

234.08

[[Page 56497]]

Air Fares--Composites [1997 Survey]

Location

Weights

Costs

Hilo, HI................................

75.99

$908 Kailua Kona, HI.........................

24.01

$908

Total...............................

100.00 ..............

Hawaii County, HI cost.............. ..............

908

St. Croix, VI...........................

48.76

$834 St. Thomas, VI..........................

51.24

$828

Total...............................

100.00 ..............

Virgin Islands cost................. ..............

831

Appendix 17--Transportation Analysis [1997 Survey]

Total annual Total cost DC cost

area

Index

Anchorage, AK:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

$6,120

$5,139

119.09
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

7,826

6,873

113.87
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

8,739

8,378

104.31

Average index........................................... .............. ..............

112.42

Fairbanks, AK:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,967

5,139

135.57
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,475

6,873

123.31
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

9,819

8,378

117.20

Average index........................................... .............. ..............

125.36

Juneau, AK:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

5,714

5,139

111.19
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

7,717

6,873

112.28
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

8,846

8,378

105.59

Average index........................................... .............. ..............

109.69

Nome, AK:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

7,573

5,139

147.36
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

9,612

6,873

139.85
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,656

8,378

127.19

Average index........................................... .............. ..............

138.13

Honolulu, HI:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,928

5,139

134.81
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,723

6,873

126.92
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,496

8,378

125.28

Average index........................................... .............. ..............

129.00

Hawaii County, HI:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,906

5,139

134.38
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,562

6,873

124.57
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,431

8,378

124.50

Average index........................................... .............. ..............

127.82

Kauai County, HI:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,636

5,139

129.13
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,323

6,873

121.10
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,243

8,378

122.26

Average index........................................... .............. ..............

124.16

Maui County, HI:

[[Page 56498]]
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,028

5,139

117.30
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,422

6,873

122.54
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,686

8,378

127.55

Average index........................................... .............. ..............

122.46

Guam:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

5,705

5,139

111.01
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,757

6,873

127.41
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

9,554

8,378

114.04

Average index........................................... .............. ..............

117.49

Puerto Rico:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

5,872

5,139

114.26
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

8,842

6,873

128.65
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

10,482

8,378

125.11

Average index........................................... .............. ..............

122.67

Virgin Islands:
Honda Civic DX 4 dr sedan 1.5L 4 cyl.....................

6,737

5,139

131.10
Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................

9,329

6,873

135.73
Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................

11,485

8,378

137.09

Average index........................................... .............. ..............

134.64

Appendix 18--Transportation Summary [1997 Survey]

Lower income

Middle income

Upper income Category ----------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal

Anchorage, AK:

Private transportation......... 112.42 95.16 106.9894.51 106.25 93.91 105.57

Air fares and other transportation expenses....... 176.90 4.84 8.56 5.49 9.71 6.09 10.77

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 115.54 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 115.96 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 116.34

Fairbanks, AK:

Private transportation......... 125.36 95.16 119.29 94.51 118.48 93.91 117.73

Air fares and other transportation expenses....... 227.89 4.84 11.03 5.49 12.51 6.09 13.88

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 130.32 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 130.99 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 131.61

Juneau, AK:

Private transportation......... 109.69 95.16 104.38 94.51 103.67 93.91 103.01

Air fares and other transportation expenses....... 202.82 4.84 9.82 5.49 11.13 6.09 12.35

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 114.20 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 114.80 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 115.36

Nome, AK:

Private transportation......... 138.13 95.16 131.44 94.51 130.55 93.91 129.72

[[Page 56499]]

Air fares and other transportation expenses....... 289.01 4.84 13.99 5.49 15.87 6.09 17.60

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 145.43 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 146.42 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 147.32

Honolulu, HI:

Private transportation......... 129.00 95.16 122.76 94.51 121.92 93.91 121.14

Air fares and other transportation expenses....... 207.61 4.84 10.05 5.49 11.40 6.09 12.64

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 132.81 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 133.32 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 133.78

Hawaii County, HI:

Private transportation......... 127.82 95.16 121.63 94.51 120.80 93.91 120.04

Air fares and other transportation expenses....... 255.77 4.84 12.38 5.49 14.04 6.09 15.58

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 134.01 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 134.84 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 135.62

Kauai County, HI:

Private transportation......... 124.16 95.16 118.15 94.51 117.34 93.91 116.60

Air fares and other transportation expenses....... 255.77 4.84 12.38 5.49 14.04 6.09 15.58

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 130.53 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 131.38 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 132.18

Maui County, HI:

Private transportation......... 122.46 95.16 116.53 94.51 115.74 93.91 115.00

Air fares and other transportation expenses....... 252.11 4.84 12.20 5.49 13.84 6.09 15.35

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 128.73 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 129.58 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 130.35

Guam:

Private transportation......... 117.49 95.16 111.80 94.51 111.04 93.91 110.33

Air fares and other transportation expenses....... 489.58 4.84 23.70 5.49 26.88 6.09 29.82

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 135.50 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 137.92 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 140.15

Puerto Rico:

Private transportation......... 122.67 95.16 116.73 94.51 115.94 93.91 115.20

Air fares and other transportation expenses....... 154.37 4.84 7.47 5.49 8.47 6.09 9.40

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

[[Page 56500]]

Total indexes: Lower.................... ......... ......... 124.20 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 124.41 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 124.60

Virgin Islands:

Private transportation......... 134.64 95.16 128.12 94.51 127.25 93.91 126.44

Air fares and other transportation expenses....... 234.08 4.84 11.33 5.49 12.85 6.09 14.26

Total weights.............. ......... 100.00 ......... 100.00 ......... 100.00 .........

Total indexes: Lower.................... ......... ......... 139.45 ......... ......... ......... ......... Middle................... ......... ......... ......... ......... 140.10 ......... ......... Upper.................... ......... ......... ......... ......... ......... ......... 140.70

Appendix 19--Miscellaneous Expense Analysis--Category Index Development [1997 Survey]

Price DC Price

area

Ratio Weights Subtotal Index

Anchorage, AK:

Medical care.................. ........... ........... ........... ........... ........... 105.30

Non-aspirin pain reliever.....

$6.15

$6.55

0.94

4.86

4.56 ...........

Tetracycline..................

7.06

7.38

0.96

12.02

11.49 ...........

Dentist clean/check........... 127.00 122.58

1.04

15.29

15.84 ...........

Doctor office visit...........

61.67

54.38

1.13

12.83

14.55 ...........

Hospital room................. 751.75 530.66

1.42

3.12

4.42 ...........

Health Insurance.............. 1,107.49 1,038.62

1.07

46.64

49.73 ...........

Contact Lenses................ 166.00 185.26

0.90

5.23

4.69 ...........

Fairbanks, AK:

Medical care.................. ........... ........... ........... ........... ........... 108.68

Non-aspirin pain reliever.....

5.96

6.55

0.91

4.86

4.42 ...........

Tetracycline..................

6.44

7.38

0.87

12.02

10.49 ...........

Dentist clean/check........... 164.33 122.58

1.34

15.29

20.50 ...........

Doctor office visit...........

65.67

54.38

1.21

12.83

15.49 ...........

Hospital room................. 533.00 530.66

1.00

3.12

3.13 ...........

Health Insurance.............. 1,090.01 1,038.62

1.05

46.64

48.95 ...........

Contact Lenses................ 201.33 185.26

1.09

5.23

5.68 ...........

Juneau, AK:

Medical care.................. ........... ........... ........... ........... ........... 113.07

Non-aspirin pain reliever.....

7.31

6.55

1.12

4.86

5.43 ...........

Tetracycline..................

7.48

7.38

1.01

12.02

12.19 ...........

Dentist clean/check........... 194.17 122.58

1.58

15.29

24.22 ...........

Doctor office visit...........

60.67

54.38

1.12

12.83

14.31 ...........

Hospital room................. 515.00 530.66

0.97

3.12

3.03 ...........

Health Insurance.............. 1,076.71 1,038.62

1.04

46.64

48.35 ...........

Contact Lenses................ 196.00 185.26

1.06

5.23

5.53 ...........

Nome, AK:

Medical care.................. ........... ........... ........... ........... ........... 132.11

Non-aspirin pain reliever.....

10.58

6.55

1.62

4.86

7.85 ...........

Tetracycline..................

14.75

7.38

2.00

12.02

24.03 ...........

Dentist clean/check........... 172.50 122.58

1.41

15.29

21.52 ...........

Doctor office visit...........

74.00

54.38

1.36

12.83

17.46 ...........

Hospital room................. 517.00 530.66

0.97

3.12

3.04 ...........

Health Insurance.............. 1,091.05 1,038.62

1.05

46.64

48.99 ...........

Contact Lenses................ 325.88 185.26

1.76

5.23

9.20 ...........

Honolulu, HI:

Medical care.................. ........... ........... ........... ........... ........... 115.51

Non-aspirin pain reliever.....

7.56

6.55

1.15

4.86

5.61 ...........

Tetracycline..................

8.07

7.38

1.09

12.02

13.14 ...........

Dentist clean/check........... 179.08 122.58

1.46

15.29

22.34 ...........

Doctor office visit...........

41.39

54.38

0.76

12.83

9.77 ...........

[[Page 56501]]

Hospital room................. 646.87 530.66

1.22

3.12

3.80 ...........

Health Insurance.............. 1,210.02 1,038.62

1.17

46.64

54.34 ...........

Contact Lenses................ 230.21 185.26

1.24

5.23

6.50 ...........

Hilo, HI:

Medical care.................. ........... ........... ........... ........... ........... 105.26

Non-aspirin pain reliever.....

8.99

6.55

1.37

4.86

6.67 ...........

Tetracycline..................

6.987.38

0.95

12.02

11.37 ...........

Dentist clean/check........... 110.54 122.58

0.90

15.29

13.79 ...........

Doctor office visit...........

53.93

54.38

0.99

12.83

12.72 ...........

Hospital room................. 573.96 530.66

1.08

3.12

3.37 ...........

Health Insurance.............. 1,145.58 1,038.62

1.10

46.64

51.44 ...........

Contact Lenses................ 208.22 185.26

1.12

5.23

5.88 ...........

Kailua Kona, HI:

Medical care.................. ........... ........... ........... ........... ........... 115.32

Non-aspirin pain reliever.....

8.26

6.55

1.26

4.86

6.13 ...........

Tetracycline..................

6.09

7.38

0.83

12.02

9.93 ...........

Dentist clean/check........... 181.42 122.58

1.48

15.29

22.63 ...........

Doctor office visit...........

70.83

54.38

1.30

12.83

16.71 ...........

Hospital room................. 533.33 530.66

1.01

3.12

3.14 ...........

Health Insurance.............. 1,145.58 1,038.62

1.10

46.64

51.44 ...........

Contact Lenses................ 188.61 185.26

1.02

5.23

5.32 ...........

Kauai County, HI:

Medical care.................. ........... ........... ........... ........... ........... 100.43

Non-aspirin pain reliever.....

9.58

6.55

1.46

4.86

7.11 ...........

Tetracycline..................

6.29

7.38

0.85

12.02

10.24 ...........

Dentist clean/check........... 128.65 122.58

1.05

15.29

16.05 ...........

Doctor office visit...........

37.15

54.38

0.68

12.83

8.77 ...........

Hospital room................. 573.96 530.66

1.08

3.12

3.37 ...........

Health Insurance.............. 1,111.40 1,038.62

1.07

46.64

49.91 ...........

Contact Lenses................ 176.32 185.26

0.95

5.23

4.98...........

Maui County, HI:

Medical care.................. ........... ........... ........... ........... ........... 115.09

Non-aspirin pain reliever.....

8.20

6.55

1.25

4.86

6.09 ...........

Tetracycline..................

7.05

7.38

0.96

12.02

11.48 ...........

Dentist clean/check........... 147.00 122.58

1.20

15.29

18.34 ...........

Doctor office visit...........

63.95

54.38

1.18

12.83

15.09 ...........

Hospital room................. 573.96 530.66

1.08

3.12

3.37 ...........

Health Insurance.............. 1,220.981,038.62

1.18

46.64

54.83 ...........

Contact Lenses................ 208.33 185.26

1.12

5.23

5.88 ...........

Guam:

Medical care.................. ........... ........... ........... ........... ........... 121.49

Non-aspirin pain reliever.....

10.09

6.55

1.54

4.86

7.49 ...........

Tetracycline..................

4.65

7.38

0.63

12.02

7.58 ...........

Dentist clean/check........... 159.00 122.58

1.30

15.29

19.83 ...........

Doctor office visit...........

48.00

54.38

0.88

12.83

11.33 ...........

Hospital room................. 259.00 530.66

0.49

3.12

1.52 ...........

Health Insurance.............. 1,372.56 1,038.62

1.32

46.64

61.64 ...........

Contact Lenses................ 428.33 185.26

2.31

5.23

12.09 ...........

Puerto Rico:

Medical care.................. ........... ........... ........... ........... ...........

81.61

Non-aspirin pain reliever.....

4.99

6.55

0.76

4.86

3.71 ...........

Tetracycline..................

4.00

7.38

0.54

12.02

6.52 ...........

Dentist clean/check........... 112.67 122.58

0.92

15.29

14.05 ...........

Doctor office visit...........

38.33

54.38

0.70

12.83

9.04 ...........

Hospital room................. 239.67 530.66

0.45

3.12

1.41 ...........

Health Insurance.............. 920.17 1,038.62

0.89

46.64

41.32 ...........

Contact Lenses................ 155.67 185.26

0.84

5.23

4.39 ...........

St. Croix, VI:

Medical care.................. ........... ........... ........... ........... ........... 126.09

Non-aspirin pain reliever.....

7.12

6.55

1.09

4.86

5.29 ...........

Tetracycline..................

9.62

7.38

1.30

12.02

15.67 ...........

Dentist clean/check........... 120.00 122.58

0.9815.29

14.97 ...........

Doctor office visit...........

42.50

54.38

0.78

12.83

10.03 ...........

[[Page 56502]]

Hospital room................. 550.00 530.66

1.04

3.12

3.23 ...........

Health Insurance.............. 1,170.37 1,038.62

1.13

46.64

52.56 ...........

Contact Lenses................ 193.92 185.26

1.05

5.23

5.47 ...........

St. Thomas, VI:

Medical care.................. ........... ........... ........... ........... ........... 122.11

Non-aspirin pain reliever.....

7.68

6.55

1.17

4.86

5.70 ...........

Tetracycline..................

7.92

7.38

1.07

12.02

12.90 ...........

Dentist clean/check...........

95.00 122.58

0.78

15.29

11.85 ...........

Doctor office visit...........

50.00

54.38

0.92

12.83

11.80 ...........

Hospital room................. 500.00 530.66

0.94

3.12

2.94 ...........

Health Insurance.............. 1,170.37 1,038.62

1.13

46.64

52.56 ...........

Contact Lenses................ 194.63 185.26

1.05

5.23

5.49 ...........

Appendix 20--Miscellaneous Expense Analysis--Total Index Development [1997 Survey]

Lower income

Middle income

Upper income Category ----------------------------------------------------------------------------- indexes Weights* Subtotal Weights* Subtotal Weights* Subtotal

Anchorage, AK:
Medical care.......................................... 105.30

40.74

42.90

30.79

32.42

23.66

24.91
Cash contributions: Lower income......................................... 109.51

16.07

17.60 ........... ........... ........... ........... Middle income........................................ 109.38 ........... ...........

16.56

18.11 ........... ........... Upper income......................................... 109.21 ........... ........... ........... ...........

16.91

18.47
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education.............................................

43.40

0.87

0.38

1.23

0.53

1.48

0.64

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 103.19 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 102.48 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 101.97

Fairbanks, AK:
Medical care.......................................... 108.68

40.74

44.28

30.79

33.46

23.66

25.71
Cash contributions: Lower income......................................... 110.01

16.07

17.68 ........... ........... ........... ........... Middle income........................................ 109.97 ........... ...........

16.56

18.21 ........... ........... Upper income......................................... 109.94 ........... ........... ........... ...........

16.91

18.59
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education.............................................

26.91

0.87

0.23

1.23

0.33

1.48

0.40

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 104.50 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 103.42 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 102.65

Juneau, AK:
Medical care.......................................... 113.07

40.74

46.06

30.79

34.81

23.66

26.75
Cash contributions: Lower income......................................... 118.02

16.07

18.97 ........... ........... ........... ........... Middle income........................................ 118.10 ........... ...........

16.56

19.56 ........... ........... Upper income......................................... 118.19 ........... ........... ........... ...........

16.91

19.99
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education.............................................

53.84

0.87

0.47

1.23

0.66

1.48

0.80

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 107.81 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 106.45 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 105.49

[[Page 56503]]

Nome, AK:
Medical care.......................................... 132.11

40.74

53.82

30.79

40.68

23.66

31.26
Cash contributions: Lower income......................................... 140.36

16.07

22.56 ........... ........... ........... ........... Middle income........................................ 139.77 ........... ...........

16.56

23.15 ........... ........... Upper income......................................... 139.23 ........... ........... ........... ...........

16.91

23.54
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education.............................................

23.46

0.87

0.20

1.23

0.29

1.48

0.35

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 118.89 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 115.54 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 113.10

Honolulu, HI:
Medical care.......................................... 115.51

40.74

47.06

30.79

35.57

23.66

27.33
Cash contributions: Lower income......................................... 116.69

16.07

18.75 ........... ........... ........... ........... Middle income........................................ 115.93 ........... ...........

16.56

19.20 ........... ........... Upper income......................................... 115.22 ........... ........... ........... ...........

16.91

19.48
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 229.48

0.87

2.00

1.23

2.82

1.48

3.40

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 110.12 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 109.01 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 108.16

Hilo, HI:
Medical care.......................................... 105.26

40.74

42.88

30.79

32.41

23.66

24.90
Cash contributions: Lower income......................................... 114.51

16.07

18.40 ........... ........... ........... ........... Middle income........................................ 113.59 ........... ...........

16.56

18.81 ........... ........... Upper income......................................... 112.74 ........... ........... ........... ...........

16.91

19.06
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education.............................................

63.32

0.87

0.55

1.23

0.78

1.48

0.94

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 104.14 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 103.42 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 102.85

Kailua Kona, HI:
Medical care.......................................... 115.32

40.74

46.9830.79

35.51

23.66

27.28
Cash contributions: Lower income......................................... 121.69

16.07

19.56 ........... ........... ........... ........... Middle income........................................ 121.09 ........... ...........

16.56

20.05 ........... ........... Upper income......................................... 120.55 ........... ........... ........... ...........

16.91

20.39
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 124.59

0.87

1.08

1.23

1.53

1.48

1.84

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 109.93 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 108.51 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 107.46

Kauai County, HI:
Medical care.......................................... 100.43

40.74

40.92

30.79

30.92

23.66

23.76
Cash contributions: Lower income......................................... 119.91

16.07

19.27 ........... ........... ........... ........... Middle income........................................ 118.84 ........... ...........

16.56

19.68 ........... ...........

[[Page 56504]]

Upper income......................................... 117.86 ........... ........... ........... ...........

16.91

19.93
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 162.50

0.87

1.41

1.23

2.00

1.48

2.41

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 103.91 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 104.02 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 104.05

Maui County, HI:
Medical care.......................................... 115.09

40.74

46.89

30.79

35.44

23.66

27.23
Cash contributions: Lower income......................................... 121.65

16.07

19.55 ........... ........... ........... ........... Middle income........................................ 120.51 ........... ...........

16.56

19.96 ........... ........... Upper income......................................... 119.42 ........... ........... ........... ...........

16.91

20.19
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 137.24

0.87

1.19

1.23

1.69

1.48

2.03

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 109.94 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 108.51 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 107.40

Guam:
Medical care.......................................... 121.49

40.74

49.50

30.79

37.41

23.66

28.74
Cash contributions: Lower income......................................... 119.12

16.07

19.14 ........... ........... ........... ........... Middle income........................................ 119.01 ........... ...........

16.56

19.71 ........... ........... Upper income......................................... 118.92 ........... ........... ........... ...........

16.91

20.11
Personal insurance/pensions...........................

90.95

42.31

38.48

51.42

46.77

57.95

52.71
Education............................................. 290.52

0.87

2.53

1.23

3.57

1.48

4.30

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 109.65 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 107.46 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 105.86

Puerto Rico:
Medical care..........................................

81.61

40.74

33.25

30.79

25.13

23.66

19.31
Cash contributions: Lower income......................................... 106.34

16.07

17.09 ........... ........... ........... ........... Middle income........................................ 106.47 ........... ...........

16.56

17.63 ........... ........... Upper income......................................... 106.60 ........... ........... ........... ...........

16.91

18.03
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 274.52

0.87

2.39

1.23

3.38

1.48

4.06

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ...........

95.04 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ...........

97.56 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ...........

99.35

St. Croix, VI:
Medical care.......................................... 126.09

40.74

51.37

30.79

38.82

23.66

29.83
Cash contributions: Lower income......................................... 116.60

16.07

18.74 ........... ........... ........... ........... Middle income........................................ 116.78 ........... ...........

16.56

19.34 ........... ........... Upper income......................................... 116.99 ........... ........... ........... ...........

16.91

19.78
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 390.72

0.87

3.40

1.23

4.81

1.48

5.78

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

[[Page 56505]]

Total indexes: Lower.......................................... ........... ........... 115.82 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 114.39 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 113.34

St. Thomas, VI:
Medical care.......................................... 122.11

40.74

49.75

30.79

37.60

23.66

28.89
Cash contributions: Lower income......................................... 116.80

16.07

18.77 ........... ........... ........... ........... Middle income........................................ 116.52 ........... ...........

16.56

19.30 ........... ........... Upper income......................................... 116.24 ........... ........... ........... ...........

16.91

19.66
Personal insurance/pensions........................... 100.00

42.31

42.31

51.42

51.42

57.95

57.95
Education............................................. 375.74

0.87

3.27

1.23

4.62

1.48

5.56

Total weights.................................... ........... 100.00 ........... 100.00 ........... 100.00 ...........

Total indexes: Lower.......................................... ........... ........... 114.10 ........... ........... ........... ........... Middle......................................... ........... ........... ........... ........... 112.94 ........... ........... Upper.......................................... ........... ........... ........... ........... ........... ........... 112.06

*Numbers might not add to 100 due to rounding.

Miscellaneous Expense Analysis--Composites [1997 Survey]

Total indexes

Location

Weights Lower Middle Upper income income income

Hilo, HI.................... 75.99 104.14 103.42 102.85 Kailua Kona, HI............. 24.01 109.93 108.51 107.46

Total weight............ 100.00 ......... ......... .........

Hawaii County, HI...... ......... 105.53 104.64 103.96

St. Croix, VI............... 48.76 115.82 114.39 113.34 St. Thomas, VI.............. 51.24 114.10 112.94 112.06

Total weight............ 100.00 ......... ......... .........

Virgin Islands......... ......... 114.94 113.65 112.68

Appendix 21--Component Expenditure Amounts [1997 Survey]

Indexes

Amounts Incomes

----------------------------------------------------------------------------------------- CG&S Own Rent Trn Misc CG&S Own Rent Trn Misc

Reference Wts/Amts

22,300................. 38.90 26.03 26.03 18.72 16.34 $8,675 $5,805 $5,805 $4,175 $3,644 34,000................. 38.18 24.67 24.67 18.54 18.61 12,981 8,388 8,388 6,304 6,327 51,500................. 37.52 23.43 23.43 18.38 20.68 19,323 12,066 12,066 9,466 10,650

Anchorage, AK........................ Lower.................. 109.51 96.86 94.91 115.54 103.19 9,500 5,623 5,510 4,824 3,760 Middle................. 109.38 91.38 86.68 115.96 102.48 14,199 7,665 7,271 7,310 6,484 Upper.................. 109.21 75.96 78.73 116.34 101.97 21,103 9,165 9,500 11,013 10,860

Fairbanks, AK........................ Lower.................. 110.01 101.73 107.15 130.32 104.50 9,543 5,905 6,220 5,441 3,808 Middle................. 109.97 93.65 90.11 130.99 103.42 14,275 7,855 7,558 8,258 6,543 Upper.................. 109.94 77.26 82.70 131.61 102.65 21,244 9,322 9,979 12,458 10,932

Juneau, AK........................... Lower.................. 118.02 126.43 130.06 114.20 107.81 10,238 7,339 7,550 4,768 3,929 Middle................. 118.10 111.60 111.27 114.80 106.45 15,331 9,361 9,333 7,237 6,735 Upper.................. 118.19 87.62 106.14 115.36 105.49 22,838 10,572 12,807 10,920 11,235

Nome, AK............................. Lower.................. 140.36 108.55 136.48 145.43 118.89 12,176 6,301 7,923 6,072 4,332

[[Page 56506]]

Middle................. 139.77 103.04 107.14 146.42 115.54 18,144 8,643 8,987 9,230 7,310 Upper.................. 139.23 84.91 86.64 147.32 113.10 26,903 10,245 10,454 13,945 12,045

Honolulu, HI......................... Lower.................. 116.69 191.66 142.31 132.81 110.12 10,123 11,126 8,261 5,545 4,013 Middle................. 115.93 179.76 113.85 133.32 109.01 15,049 15,078 9,550 8,404 6,897 Upper.................. 115.22 178.63 114.12 133.78 108.16 22,264 21,553 13,770 12,664 11,519

Hawaii County, HI.................... Lower.................. 116.23 118.25 93.72 134.01 105.53 10,083 6,864 5,440 5,595 3,846 Middle................. 115.39 111.05 74.77 134.84 104.64 14,979 9,315 6,272 8,500 6,621 Upper.................. 114.62 89.70 61.74 135.62 103.96 22,148 10,823 7,450 12,838 11,072

Kauai County, HI..................... Lower.................. 119.91 148.33 103.22 130.53 103.91 10,402 8,611 5,992 5,450 3,786 Middle................. 118.84 137.33 92.59 131.38 104.02 15,427 11,519 7,766 8,282 6,581 Upper.................. 117.86 108.76 70.21 132.18 104.05 22,774 13,123 8,472 12,512 11,081

Maui County, HI...................... Lower.................. 121.65 158.93 115.85 128.73 109.94 10,553 9,226 6,725 5,374 4,006 Middle................. 120.51 149.42 103.98129.58 108.51 15,643 12,533 8,722 8,169 6,865 Upper.................. 119.42 119.35 79.94 130.35 107.40 23,076 14,401 9,646 12,339 11,438

Guam (Local Retail).................. Lower.................. 119.12 148.72 124.44 135.50 109.65 10,334 8,633 7,224 5,657 3,996 Middle................. 119.01 129.90 114.82 137.92 107.46 15,449 10,896 9,631 8,694 6,799 Upper.................. 118.92 124.91 107.05 140.15 105.86 22,979 15,072 12,917 13,267 11,274

Guam (Comm.&Exch.)................... Lower.................. 109.32 148.72 124.44 135.50 109.65 9,484 8,633 7,224 5,657 3,996 Middle................. 109.73 129.90 114.82 137.92 107.46 14,244 10,896 9,631 8,694 6,799 Upper.................. 110.16 124.91 107.05 140.15 105.86 21,286 15,072 12,917 13,267 11,274

Puerto Rico.......................... Lower.................. 106.34 74.93 104.45 124.20 95.04 9,225 4,350 6,063 5,185 3,463 Middle................. 106.47 71.28 122.71 124.41 97.56 13,821 5,979 10,293 7,843 6,173 Upper.................. 106.60 72.24 130.73 124.60 99.35 20,598 8,716 15,774 11,795 10,581

Virgin Islands....................... Lower.................. 116.70 126.35 112.62 139.45 114.94 10,124 7,335 6,538 5,822 4,188 Middle................. 116.65 127.80 104.86 140.10 113.65 15,142 10,720 8,796 8,832 7,191 Upper.................. 116.61 101.40 100.52 140.70 112.68 22,533 12,235 12,129 13,319 12,000

Appendix 22--Total Comparative Cost Indexes [1997 Survey]

Income Income

Weights Own

Rent

Total

WDC

Index

Lower........................... 22,300 38.60 61.40 .......... .......... .......... Middle.......................... 34,000 48.05 51.95 .......... .......... .......... Upper........................... 51,500 62.17 37.83 .......... .......... ..........

Anchorage, AK................................. Lower........................... 26.11 $23,707 $23,594 $23,638 $22,300 .......... Middle.......................... 30.95 35,658 35,264 35,453 34,000 .......... Upper........................... 42.94 52,141 52,476 52,268 51,500 .......... ................................ 100.00 .......... .......... 39,588 38,460 102.93

Fairbanks, AK................................. Lower........................... 33.54 24,697 25,012 24,890 22,300 .......... Middle.......................... 35.19 36,931 36,634 36,777 34,000 .......... Upper........................... 31.26 53,956 54,613 54,205 51,500 .......... ................................ 99.99 .......... .......... 38,238 35,546 107.57

Juneau, AK.................................... Lower........................... 19.77 26,274 26,485 26,404 22,300 .......... Middle.......................... 29.87 38,664 38,636 38,649 34,000 .......... Upper........................... 50.36 55,565 57,800 56,411 51,500 .......... ................................ 100.00 .......... .......... 45,173 40,500 111.54

Nome, AK...................................... Lower........................... 24.32 28,881 30,503 29,877 22,300 .......... Middle.......................... 45.65 43,327 43,671 43,506 34,000 .......... Upper........................... 30.03 63,138 63,347 63,217 51,500 .......... ................................ 100.00 .......... .......... 46,111 36,410 126.64

Honolulu, HI.................................. Lower........................... 33.20 30,807 27,942 29,048 22,300 ..........

[[Page 56507]]

Middle.......................... 31.40 45,428 39,900 42,556 34,000 .......... Upper........................... 35.40 68,000 60,217 65,056 51,500 .......... ................................ 100.00 .......... .......... 46,036 36,311 126.78

Hawaii County, HI............................. Lower........................... 37.16 26,388 24,964 25,514 22,300 .......... Middle.......................... 39.12 39,415 36,372 37,834 34,000 .......... Upper........................... 23.72 56,881 53,508 55,605 51,500 .......... ................................ 100.00 .......... .......... 37,471 33,803 110.85

Kauai County, HI.............................. Lower........................... 29.10 28,249 25,630 26,641 22,300 .......... Middle.......................... 32.79 41,809 38,056 39,859 34,000 .......... Upper........................... 38.11 59,490 54,839 57,731 51,500 .......... ................................ 100.00 .......... .......... 42,824 37,265 114.92

Maui County, HI............................... Lower........................... 24.66 29,159 26,658 27,623 22,300 .......... Middle.......................... 40.41 43,210 39,399 41,230 34,000 .......... Upper........................... 34.93 61,254 56,499 59,455 51,500 .......... ................................ 100.00 .......... .......... 44,241 37,228 118.84

Guam (Local Retail)........................... Lower........................... 46.00 28,620 27,211 27,755 22,300 .......... Middle.......................... 31.77 41,838 40,573 41,181 34,000 .......... Upper........................... 22.23 62,592 60,437 61,777 51,500 .......... ................................ 100.00 .......... .......... 39,584 32,508 121.77

Guam (Comm.&Exch.)............................ Lower........................... 46.00 27,770 26,361 26,905 22,300 .......... Middle.......................... 31.77 40,633 39,368 39,976 34,000 .......... Upper........................... 22.23 60,899 58,744 60,084 51,500 .......... ................................ 100.00 .......... .......... 38,433 32,508 118.23

Puerto Rico................................... Lower........................... 40.42 22,223 23,936 23,275 22,300 .......... Middle.......................... 37.27 33,816 38,130 36,057 34,000 .......... Upper........................... 22.32 51,690 58,748 54,360 51,500 .......... ................................ 100.01 .......... .......... 34,976 33,177 105.42

Virgin Islands................................ Lower........................... 34.67 27,469 26,672 26,980 22,300 .......... Middle.......................... 41.18 41,885 39,961 40,885 34,000 .......... Upper........................... 24.15 60,087 59,981 60,047 51,500 .......... ................................ 100.00 .......... .......... 40,692 34,170 119.09

[FR Doc. 98-28055Filed10-20-98; 8:45 am]

BILLING CODE 6325-01-F

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Allowances and differentials: living allowances in nonforeign areas; report on 1997 surveys; availability,

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