Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands)1.................................................... 22,481 3,544 4,710 9,063 5,164 

Consumer unit characteristics:

 Income before taxes.................................................................................... $124,498 $140,599 $127,048 $111,241 $134,390 

 Income after taxes....................................................................................... 106,907 118,350 109,077 96,868 114,692 

 Age of reference person.............................................................................. 49.6 49.8 49.6 49.5 49.5 

 Average number in consumer unit:

 People ...................................................................................................... 2.9 2.9 3.0 2.8 3.0 

 Children under 18 .................................................................................... .7 .8 .7 .7 .7 

 Adults 65 and older.................................................................................. .1 .1 .1 .1 .1 

 Earners..................................................................................................... 1.8 1.9 2.0 1.7 1.9 

 Vehicles.................................................................................................... 2.2 1.9 2.5 2.0 2.2 

Percent distribution:

 Reference person:

 Men .......................................................................................................... 49 47 49 49 50 

 Women..................................................................................................... 51 53 51 51 50 

 Housing tenure:

 Homeowner.............................................................................................. 70 69 77 71 64 

 With mortgage ...................................................................................... 51 52 57 47 54 

 Without mortgage ................................................................................. 19 17 20 24 10 

 Renter ...................................................................................................... 30 31 23 29 36 

 Race of reference person:

 Black or African-American ....................................................................... 14 15 13 20 5 

 White, Asian, and all other races, not including Black or

 African-American .................................................................................. 86 85 87 80 95 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino .................................................................................... 18 15 9 18 25 

 Not Hispanic or Latino.............................................................................. 82 85 91 82 75 

 Education of reference person:

 Elementary (1-8) ...................................................................................... 3 4 ( 2 ) 3 ( 2 ) 

 High school (9-12).................................................................................... 24 26 22 26 22 

 College ..................................................................................................... 72 71 75 70 74 

 Never attended and other........................................................................ ( 2 ) ( 2 ) ( 3 ) ( 2 ) ( 2 ) 

 At least one vehicle owned or leased ......................................................... 92 86 95 92 93 

Average annual expenditures ........................................................................ $87,595 $94,064 $89,465 $78,907 $96,581 

 Food ............................................................................................................ 11,222 12,436 11,149 9,950 12,570 

 Food at home........................................................................................... 6,788 7,835 6,778 5,957 7,425 

 Cereals and bakery products................................................................ 886 1,092 874 750 974 

 Cereals and cereal products ............................................................. 282 376 258 234 311 

 Bakery products................................................................................. 605 716 616 515 663 

 Meats, poultry, fish, and eggs............................................................... 1,405 1,652 1,389 1,266 1,467 

 Beef ................................................................................................... 367 383 366 356 378 

 Pork ................................................................................................... 279 319 275 262 283 

 Other meats....................................................................................... 199 257 230 159 194 

 Poultry................................................................................................ 258 287 262 231 279 

 Fish and seafood............................................................................... 207 292 176 175 225 

 Eggs................................................................................................... 94 114 81 83 108 

 Dairy products....................................................................................... 616 701 628 524 701 

 Fresh milk and cream........................................................................ 199 211 192 178 230 

 Other dairy products.......................................................................... 418 490 436 346 470 

 Fruits and vegetables ........................................................................... 1,318 1,579 1,244 1,093 1,576 

 Fresh fruits......................................................................................... 474 589 432 372 602 

 Fresh vegetables ............................................................................... 417 506 364 348 516 

 Processed fruits................................................................................. 174 202 172 148 197 

 Processed vegetables ....................................................................... 254 283 277 224 261 

 Other food at home............................................................................... 2,562 2,810 2,643 2,324 2,707 

 Sugar and other sweets .................................................................... 231 251 228 212 252 

 Fats and oils ...................................................................................... 182 220 184 158 194 

 Miscellaneous foods.......................................................................... 1,358 1,436 1,408 1,240 1,458 

 Nonalcoholic beverages .................................................................... 690 811 700 626 698 

See footnotes at end of table.
Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

45-54 Northeast Midwest South West

 Food prepared by consumer unit on out of town trips ...................... 100 92 123 88 105 

 Food away from home ............................................................................. 4,435 4,601 4,370 3,993 5,146 

 Alcoholic beverages .................................................................................... 696 848 840 523 752 

 Housing ....................................................................................................... 27,403 30,808 26,430 24,184 31,611 

 Shelter...................................................................................................... 16,206 19,550 14,858 13,779 19,398 

 Owned dwellings................................................................................... 10,168 12,023 10,191 8,845 11,197 

 Mortgage interest and charges.......................................................... 4,348 4,758 3,693 3,746 5,721 

 Property taxes ................................................................................... 3,088 4,685 3,417 2,315 3,050 

 Maintenance, repairs, insurance, and other expenses ..................... 2,732 2,581 3,081 2,784 2,427 

 Rented dwellings .................................................................................. 4,381 5,367 2,637 3,732 6,433 

 Other lodging ........................................................................................ 1,656 2,160 2,031 1,202 1,767 

 Utilities, fuels, and public services ........................................................... 5,254 5,592 5,539 5,032 5,153 

 Natural gas............................................................................................ 571 780 927 353 486 

 Electricity............................................................................................... 1,867 1,781 1,768 2,050 1,697 

 Fuel oil and other fuels ......................................................................... 142 484 135 59 ( 2 ) 

 Telephone services............................................................................... 1,830 1,922 1,914 1,751 1,830 

 Residential phone service, VOIP, and phone cards ......................... 128 255 114 114 79 

 Cellular phone service....................................................................... 1,702 1,668 1,800 1,637 1,751 

 Water and other public services ........................................................... 843 626 795 819 1,080 

 Household operations.............................................................................. 1,682 1,695 1,509 1,676 1,841 

 Personal services ................................................................................. 201 ( 2 ) 119 ( 2 ) 238 

 Other household expenses................................................................... 1,481 1,375 1,390 1,499 1,604 

 Housekeeping supplies............................................................................ 903 989 889 873 902 

 Laundry and cleaning supplies ............................................................. 219 265 223 205 206 

 Other household products .................................................................... 567 622 554 575 522 

 Postage and stationery......................................................................... 117 102 113 93 174 

 Household furnishings and equipment .................................................... 3,357 2,981 3,635 2,823 4,317 

 Household textiles ................................................................................ 197 ( 2 ) 203 134 ( 2 ) 

 Furniture................................................................................................ 1,038 850 1,190 915 1,243 

 Floor coverings ..................................................................................... 43 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Major appliances................................................................................... 491 443 526 432 ( 2 ) 

 Small appliances and miscellaneous housewares............................... 154 154 146 131 204 

 Miscellaneous household equipment ................................................... 1,434 1,243 1,532 1,181 1,938 

 Apparel and services................................................................................... 2,426 2,753 2,290 2,139 2,804 

 Men and boys........................................................................................... 612 682 606 544 684 

 Men, 16 and over.................................................................................. 441 520 479 394 429 

 Boys, 2 to 15......................................................................................... 171 ( 2 ) 127 ( 2 ) 255 

 Women and girls ...................................................................................... 982 1,121 918 847 1,166 

 Women, 16 and over ............................................................................ 815 1,003 766 643 1,013 

 Girls, 2 to 15.......................................................................................... 167 ( 2 ) 152 ( 2 ) ( 2 ) 

 Children under 2 ...................................................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Footwear .................................................................................................. 461 550 386 393 579 

 Other apparel products and services....................................................... 333 360 ( 2 ) ( 2 ) 350 

 Transportation ............................................................................................. 14,772 13,714 14,328 15,254 15,053 

 Vehicle purchases (net outlay) ................................................................ 5,711 4,614 4,947 6,876 5,114 

 Cars and trucks, new............................................................................ 2,487 ( 2 ) ( 2 ) 2,706 2,506 

 Cars and trucks, used........................................................................... 3,120 2,403 2,475 4,083 2,508 

 Other vehicles....................................................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Gasoline, other fuels, and motor oil......................................................... 3,416 2,852 3,547 3,336 3,824 

 Other vehicle expenses ........................................................................... 4,732 4,899 4,974 4,343 5,075 

 Vehicle finance charges ....................................................................... 382 321 421 388 380 

 Maintenance and repairs ...................................................................... 1,334 1,303 1,358 1,219 1,531 

 Vehicle rental, leases, licenses, and other charges ............................. 994 1,325 1,285 666 1,076 

 Vehicle insurance ................................................................................. 2,022 1,950 1,909 2,070 2,088 

 Public and other transportation................................................................ 914 1,350 860 699 1,040 

 Healthcare................................................................................................... 5,870 6,053 6,677 5,288 6,044 

 Health insurance ...................................................................................... 3,827 4,121 4,077 3,634 3,734 

 Medical services ...................................................................................... 1,285 1,315 1,635 1,003 1,438 

 Drugs........................................................................................................ 533 397 646 490 609 

 Medical supplies ...................................................................................... 226 220 319 161 263 

 Entertainment.............................................................................................. 4,587 4,115 5,079 4,189 5,194 

 Fees and admissions ............................................................................... 1,067 1,215 1,207 895 1,142 

 Audio and visual equipment and services ............................................... 1,150 1,173 1,208 1,031 1,295 

 Pets, toys, hobbies, and playground equipment ..................................... 1,036 790 1,244 936 1,209 

 Pets....................................................................................................... 851 651 1,063 760 968 

 Toys, hobbies, and playground equipment .......................................... 185 139 181 175 241 

See footnotes at end of table.
Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

45-54 Northeast Midwest South West

 Other entertainment supplies, equipment, and services ......................... 1,334 ( 2 ) 1,420 ( 2 ) ( 2 ) 

 Personal care products and services.......................................................... 1,006 1,064 1,090 871 1,127 

 Reading ....................................................................................................... 104 ( 2 ) ( 2 ) 74 125 

 Education .................................................................................................... 2,621 4,354 3,093 1,931 2,210 

 Tobacco products and smoking supplies.................................................... 399 354 516 408 305 

 Miscellaneous.............................................................................................. 1,324 1,281 1,653 1,170 1,318 

 Cash contributions ...................................................................................... 2,706 2,373 ( 2 ) 2,313 ( 2 ) 

 Personal insurance and pensions............................................................... 12,458 13,781 13,449 10,613 13,884 

 Life and other personal insurance ........................................................... 621 821 776 470 609 

 Pensions and Social Security .................................................................. 11,836 12,959 12,672 10,143 13,275 

Sources of income and personal taxes:

 Income before taxes.................................................................................... $124,498 $140,599 $127,048 $111,241 $134,390 

 Wages and salaries ................................................................................. 107,917 123,662 110,173 95,980 116,004 

 Self-employment income ......................................................................... 10,163 8,213 8,879 10,234 12,549 

 Social Security, private and government retirement................................ 2,175 ( 2 ) 2,279 2,063 1,822 

 Interest, dividends, rental income, and other property income ............... 2,175 ( 2 ) ( 2 ) 1,123 1,801 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP).................................................. 568 538 754 516 ( 2 ) 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support.................................................... 1,038 ( 2 ) ( 2 ) 945 1,078 

 Other income............................................................................................ 461 ( 2 ) ( 2 ) 380 ( 2 ) 

 Personal taxes (contains some imputed values)........................................ 17,592 22,249 17,971 14,373 19,698 

 Federal income taxes............................................................................... 14,624 17,638 14,599 12,636 16,067 

 Stimulus payment (new UCC Q20202)# ................................................. -1,368 -1,348 -1,438 -1,261 -1,504 

 State and local income taxes................................................................... 4,260 5,833 4,741 2,917 5,099 

 Other taxes............................................................................................... 75 ( 2 ) 70 81 ( 2 ) 

 Income after taxes....................................................................................... 106,907 118,350 109,077 96,868 114,692 

Addenda:

 Net change in total assets and liabilities..................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Net change in total assets ....................................................................... 26,443 ( 2 ) 20,852 29,744 37,966 

 Net change in total liabilities .................................................................... 26,979 ( 2 ) ( 2 ) 23,073 33,042 

 Other financial information:

 Other money receipts............................................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) 702 

 Mortgage principal paid on owned property ............................................ -4,162 -5,249 -4,404 -3,035 -5,172 

 Estimated market value of owned home ................................................. 319,460 326,063 260,342 265,036 464,363 

 Estimated monthly rental value of owned home...................................... 1,557 1,684 1,423 1,427 1,820 

1

 Data are rounded to the nearest thousands.

2

 Data are suppressed due to the Relative Standard Error (RSE) being equal to or greater than 25 percent. See www.bls.gov/cex/tables-getting-started-guide.htm for more information.

3

 No data reported.

# Data collection for this item began in June 2020. Stimulus payments delivered to respondents interviewed in April and May of 2020 were not included in estimation.

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2023