Table 5 Mean disposable income and its disbursement by component of current consumption of homeowners and by size of mortgage liability

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  All homeowners Homeowners without a mortgage Mortgage-liability ratio Homeowners with a mortgage
Under 10% 10% to 19% 20% and more
$
Disposable income 66,600 57,000 96,200 76,800 59,200 73,700
  disbursement of disposable income (%)
Food 12.6 13.4 10.0 12.4 13.4 12.1
Shelter 24.6 14.9 20.0 26.8 43.6 30.2
Household operation 5.9 5.7 5.5 5.9 6.7 6.0
Household furnishings and equipment 3.6 3.4 3.9 3.6 3.9 3.7
Clothing 4.9 4.7 4.9 5.0 5.2 5.1
Transportation 17.6 17.7 16.9 17.5 18.3 17.6
Health 3.6 4.5 2.7 3.1 3.2 3.0
Personal care 2.0 2.0 1.9 2.0 2.1 2.0
Recreation 7.4 7.5 7.7 7.4 7.3 7.4
Reading material and other printed matter 0.5 0.5 0.4 0.4 0.4 0.4
Education 2.1 1.8 1.9 2.3 2.4 2.2
Tobacco products and alcoholic beverages 2.3 2.3 2.2 2.4 2.3 2.3
Miscellaneous 2.4 2.7 2.3 2.0 2.3 2.2
Total consumption 89.5 81.0 80.1 90.8 111.1 94.4
Gifts and contributions 2.9 4.3 2.7 1.8 1.9 2.1
Savings (pre-tax income less expenditure) 7.6 14.7 17.2 7.3 -13.0 3.5
Disposable income 100.0 100.0 100.0 100.0 100.0 100.0
  number
Sample size 6,840 3,245 820 1,614 1,158 3,595
  '000
Number of households 8,601 3,669 945 2,109 1,872 4,932
Note: Mortgage-liability ratio is mortgage payment expressed as a percentage of disposable income.
Source: Statistics Canada, Survey of Household Spending, 2008.