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Income from interest


99999 = N.I.U. (Not in Universe).
99997 = Top Code.

See User Note for an explanation of these codes.


INCINT indicates how much pre-tax income (if any) the respondent received from interest on saving accounts, certificates of deposit, money market funds, bonds, treasury notes, IRAs, and/or other investments which paid interest.

Amounts are expressed as they were reported to the interviewer; users must adjust for inflation using Consumer Price Index adjustment factors.


Along with the effects of inflation and shifts in the universe of the variable, INCINT may be affected by changes in question wording. The number of specific sources of interest income mentioned on the CPS interview form increased over time. In the earliest years, respondents were asked about "interest on savings or bonds, etc." After 1980, the form mentioned several possible sources of interest, including "certificates of deposit, money market funds, bonds or treasury notes" and "other savings or investments which pay interest." IRA's were added to the list of prompts beginning in 1988. The more extensive listing of sources of interest income may have resulted in more complete reporting in later years.

For 1962-1967, the value of income incorporated in the INCINT variable is subsumed in the INCUNERN variable, which encompasses all income from sources other than wages and salaries (INCWAGE), non-farm businesses (INCBUS), and farms (INCFARM).

For 1968-1975, income from interest was incorporated in the INCIDR variable, which also reported income from dividends, rents, and trusts. Documentation on the INCIDR variable discusses how to achieve comparability for this variable from 1968 forward, by combining totals from INCINT with totals from other variables.

Comparability with IPUMS-USA

The closest equivalent to INCINT in IPUMS-USA is the INCINVST variable. Available for the 1980, 1990, and 2000 censuses, INCINVST also covers income from an estate or trust, dividends, royalties, and rents. By combining values for INCINT and INCDRT (for 1976-1987), and for INCINT, INCDIVID, and INCRENT (for 1988 forward) in IPUMS-CPS, researchers can replicate the INCINVST variable in IPUMS-USA. The youngest age group covered by INCINVST is15; the CPS income variables covered persons age 14+ up to 1979 and age 15+ beginning in 1980. Prior to 1980, interest from income was included in the residual census variable INCOTHER (income from other sources).


  • 1976-1979: Persons age 14+.
  • 1980+ 2017: Persons age 15+


Years Jan Feb ASEC Apr May Jun Jul Aug Sep Oct Nov Dec
1976 – 2017 - - X - - - - - - - - -