A recent home building industry report shows that a typical U.S. family buying a new home has an income of $21,615 and is paying $40,000 to $45,000 for the house.

The typical household head was 33 and the typical family had previously owned a home, in the survey made by economists of the National Association of Home Builders.

The survey was made among some of the 30,000 new home buyers registered in NAHB's Home Owners Warranty program between July, 1975, and June, 1976.

The 950 responses used showed that more than 90 per cent of the buyers were "somewhat" to "very satisfied" with the homes they had bought. Only 2 per cent were completely dissatisfied.

Other characteriestics:

The median household income of the respondents was $21,615; 17 per cent had incomes less than $15,000. Another 25 per cent had combined annual incomes of between $15,000 and $20,000; 26 per cent between $20,000 and $25,000 and 20 per cent between $25,000 and $35,000. Only 12 per cent made more than $35,000 a year.

The median sales price of homes purchased was $42,702. Some 61 per cent bought homes in the $30,000 to $50,000 price range. Another 12 per cent paid between $50,000 and $60,000; 11 per cent between $60,000 and $70,000, and 7 per cent paid $70,000 or more. Only 9 per cent of the homes cost less than $30,000.

- The prime home buyer age is between 25 to 34; with 56 per cent of the respondents in this age bracket. People between 35 and 44 accounted for 20 per cent of the respondents. Only 6 per cent of the buyers were younger than 25, while 8 per cent were 55 or older.

- About a third of the respondents were first time buyers.

- Down payments averaged 20 per cent; the main source of financing for 86.5 per cent of those queried was either personal savings or equity from the sales of a previous houses.

- The average monthly mortgage payment, including principal, interest, taxes and insurance, was estimated at $352. The average cost of utilities, including electricity, gas, oil, water and trash collection, was about $73 a month.

- When asked why they bought in a particular area, 48 per cent said "better neighborhood;" 32 per cent indicated "proximity to work."