| Variable | Mean | Standard Deviation |
| Wages | $141,000 per year | $73,552 per year |
| Homeowner Frequency | 949 | Na |
| Renter Frequency | 102 (frequency of all-year renters) | Na |
| Gender Frequency | 586 men, 466 women | Na |
| Race Frequency | 916 Caucasian, 72 African-American, 50 Asian | Na |
| Education Frequency | 853 college-educated, 199 high-school graduates | Na |
| Age | 50.38 years | 4.38 |
| Family Size Frequency | 1 individual-91, 2 individuals-337, 3 individuals-231, 4 individuals-231, 5 individuals-110, 6 individuals-30, 7 individuals-9, 8 individuals-4, 9 individuals-1, 10 individuals-1 | Na |
| Variability of Income N = 1054 | $21,000 per year | $73,552 per year |
| Mortgage N = 741 (Homeowners with mortgages) | $2769 per quarter | $2917 per quarter |
| Home Insurance N = 407 | $387.60 per quarter | $436.22 per quarter |
| Home Taxes N = 945 | $11118.05 per quarter | $1012.69 per quarter
|
| Rent (N = 188) | $2111.22 per quarter | $2550.95 per quarter |
| Debt (N = 432) | $11903.22 total | $17010.81 |
| Cost of a New Car (N = 17) | $27661.23 | $14270.88 |
| Cost of a Used Car (N = 29) | $11888.17 | $11299.25 |
| Car Payment (N = 39) | $1401.54 per quarter | $800.21 per quarter |
| Car Registration (N = 271) | $126.95 per year | $128.06 per year |
| Car Insurance (N = 642) | $341.75 per quarter | $263.38 per quarter |
| Lunch at Home (N = 991) | $1945.17 for 1 quarter | $1248.30 for 1 quarter |
| Lunch Away from Home (N = 693) | $97957 for 1 quarter | $826.09 for 1 quarter |
| Vacation (N = 493) | $977.75 one-time purchase | $1245.91 one-time purchase |
| New Furniture (N = 142) | $1189.19 one-time purchase | $2008.88 one-time purchase |
| New Appliances (N = 26) | $1253.23 one-time purchase | $1142.08 one-time purchase |
| Small Appliances (N = 86) | $87.05 one-time purchase | $89.27 one-time purchase |