The typical American household brought in $22,646 after taxes in 1985, up 0.9 percent, the Census Bureau reported yesterday. It was the fourth consecutive annual increase.

Household after-tax income rose 8.9 percent from 1981 to 1985, the report said, after adjusting for inflation.

The study for 1985 provides the most current detailed statistics for household income. Other findings included:

After-tax income for white households averaged $23,484, up 0.8 percent during the year. For black households the average was $15,790, up 2.9 percent. Income for Hispanic households averaged $17,920, down 0.4 percent.

The Northeast had the largest growth -- 3.3 percent -- with an average household income of $23,648. But the highest average was in the West, $24,350, up 1.3 percent. Households in the Midwest averaged $21,910, up 0.9 percent, and in the South the average was $21,567, down 1.0 percent.

Households headed by someone under age 65 averaged $24,363, up 1.2 percent, while for those over 65 average income was $16,198, down 0.8 percent.

The average household paid $6,950, or 22 percent of income, in federal and state income, payroll and property taxes.