1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to figure out the biannual trends of interdependency by gender and educational background of equalized living cost and disposal income, total asset, debt, equalized housing expenses in Gyeog-gi province by householder’s income bracket of national residence surveys. (2) RESEARCH METHOD This study was focused on the trends of amounts and compositions by income brackets in equalized living cost and disposal income, total asset, total debt, equalized housing expenses by gender and by educational background of householders. And regression method was used in order to confirm these trends. (3) RESEARCH FINDINGS Major findings of this study are as follows; First, the compositions of equalized living cost and housing expenses to the equalized disposal income were much higher by the householders of low-level income brackets rather than by high-level income brackets. And the summation of living cost and housing expenses by the householders of low quartile income bracket come close to total disposal income. Thus, they relatively do not have the opportunities of saving and accumulating asset compared with high income earning householders. Second, the level of living and housing cost by male householders is much higher than that of female ones at all income brackets regardless of each educational background. Third, the size of net asset by female householders of high-level of education background become smaller relatively and proportionally than that of male. 2. RESULTS Therefore, Gyeong-gi province needs to have the economic welfare policies for the householders of low quartile income brackets such as more creation of jobs, enlargement of decent job and employment, establishment of female labor safety, and easing of income discrepancy by gender, by educational background, etc.