Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022

Item Total

65-74 Northeast Midwest South West

Number of consumer units (in thousands)1.................................................... 21,604 3,973 4,617 8,219 4,794 

Consumer unit characteristics:

 Income before taxes.................................................................................... $65,702 $81,334 $62,262 $58,666 $68,123 

 Income after taxes....................................................................................... 61,539 74,283 58,883 55,963 63,094 

 Age of reference person.............................................................................. 69.3 69.3 69.4 69.3 69.1 

 Average number in consumer unit:

 People ...................................................................................................... 1.8 1.9 1.7 1.8 1.8 

 Children under 18 .................................................................................... .1 .1 ( 2 ) .1 .1 

 Adults 65 and older.................................................................................. 1.4 1.4 1.4 1.4 1.4 

 Earners..................................................................................................... .7 .8 .7 .6 .7 

 Vehicles.................................................................................................... 1.9 1.7 2.0 1.8 2.1 

Percent distribution:

 Reference person:

 Men .......................................................................................................... 47 47 46 48 47 

 Women..................................................................................................... 53 53 54 52 53 

 Housing tenure:

 Homeowner.............................................................................................. 78 75 80 80 75 

 With mortgage ...................................................................................... 31 26 34 28 36 

 Without mortgage ................................................................................. 47 49 46 51 39 

 Renter ...................................................................................................... 22 25 20 20 25 

 Race of reference person:

 Black or African-American ....................................................................... 12 11 10 16 ( 2 ) 

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

 African-American .................................................................................. 88 89 90 84 94 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino .................................................................................... 8 6 3 10 11 

 Not Hispanic or Latino.............................................................................. 92 94 97 90 89 

 Education of reference person:

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

 High school (9-12).................................................................................... 29 30 31 31 23 

 College ..................................................................................................... 68 67 68 66 73 

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

 At least one vehicle owned or leased ......................................................... 90 86 92 91 92 

Average annual expenditures ........................................................................ $58,715 $65,944 $54,283 $53,384 $66,030 

 Food ............................................................................................................ 7,634 8,971 6,593 7,238 8,090 

 Food at home........................................................................................... 5,004 5,904 4,364 4,624 5,430 

 Cereals and bakery products................................................................ 627 778 550 597 611 

 Cereals and cereal products ............................................................. 176 241 154 154 172 

 Bakery products................................................................................. 451 537 396 443 439 

 Meats, poultry, fish, and eggs............................................................... 1,076 1,260 935 1,016 1,142 

 Beef ................................................................................................... 279 282 280 261 305 

 Pork ................................................................................................... 239 245 209 254 237 

 Other meats....................................................................................... 140 207 122 124 121 

 Poultry................................................................................................ 176 222 133 163 198 

 Fish and seafood............................................................................... 178 235 140 153 203 

 Eggs................................................................................................... 64 68 52 60 78 

 Dairy products....................................................................................... 496 620 418 439 551 

 Fresh milk and cream........................................................................ 150 186 126 132 172 

 Other dairy products.......................................................................... 345 434 292 307 379 

 Fruits and vegetables ........................................................................... 963 1,244 798 808 1,122 

 Fresh fruits......................................................................................... 362 482 298 292 432 

 Fresh vegetables ............................................................................... 312 437 233 244 387 

 Processed fruits................................................................................. 118 137 114 108 123 

 Processed vegetables ....................................................................... 170 189 153 165 180 

 Other food at home............................................................................... 1,843 2,002 1,663 1,764 2,004 

 Sugar and other sweets .................................................................... 189 198 181 183 199 

 Fats and oils ...................................................................................... 131 143 114 128 139 

 Miscellaneous foods.......................................................................... 939 1,036 858 868 1,048 

 Nonalcoholic beverages .................................................................... 513 561 428 528 529 

See footnotes at end of table.
Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

65-74 Northeast Midwest South West

 Food prepared by consumer unit on out of town trips ...................... 71 64 82 57 89 

 Food away from home ............................................................................. 2,629 3,067 2,229 2,614 2,660 

 Alcoholic beverages .................................................................................... 599 697 513 608 583 

 Housing ....................................................................................................... 20,590 24,092 19,050 18,031 23,581 

 Shelter...................................................................................................... 11,456 14,589 9,590 9,496 14,015 

 Owned dwellings................................................................................... 7,830 10,202 7,094 6,450 8,941 

 Mortgage interest and charges.......................................................... 1,847 1,840 1,551 1,530 2,682 

 Property taxes ................................................................................... 2,755 4,914 2,694 1,863 2,554 

 Maintenance, repairs, insurance, and other expenses ..................... 3,228 3,448 2,849 3,056 3,704 

 Rented dwellings .................................................................................. 2,514 2,992 1,523 2,039 3,885 

 Other lodging ........................................................................................ 1,112 1,394 973 1,008 1,190 

 Utilities, fuels, and public services ........................................................... 4,251 4,797 4,135 4,071 4,216 

 Natural gas............................................................................................ 509 716 761 324 411 

 Electricity............................................................................................... 1,590 1,498 1,382 1,804 1,498 

 Fuel oil and other fuels ......................................................................... 174 566 91 90 ( 2 ) 

 Telephone services............................................................................... 1,240 1,392 1,229 1,164 1,255 

 Residential phone service, VOIP, and phone cards ......................... 255 393 257 210 215 

 Cellular phone service....................................................................... 985 999 972 954 1,040 

 Water and other public services ........................................................... 738 624 673 690 979 

 Household operations.............................................................................. 1,474 1,703 1,205 1,328 1,798 

 Personal services ................................................................................. 69 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Other household expenses................................................................... 1,405 1,542 1,186 1,265 1,749 

 Housekeeping supplies............................................................................ 856 928 708 888 883 

 Laundry and cleaning supplies ............................................................. 166 143 133 188 184 

 Other household products .................................................................... 559 659 464 563 551 

 Postage and stationery......................................................................... 132 126 110 137 149 

 Household furnishings and equipment .................................................... 2,553 2,075 ( 2 ) 2,247 2,669 

 Household textiles ................................................................................ 124 93 ( 2 ) 128 155 

 Furniture................................................................................................ 540 481 683 473 564 

 Floor coverings ..................................................................................... 24 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Major appliances................................................................................... 408 434 381 400 425 

 Small appliances and miscellaneous housewares............................... 157 155 111 166 189 

 Miscellaneous household equipment ................................................... 1,301 876 ( 2 ) 1,058 1,308 

 Apparel and services................................................................................... 1,257 1,465 1,384 1,048 1,291 

 Men and boys........................................................................................... 314 ( 2 ) 334 274 281 

 Men, 16 and over.................................................................................. 285 333 316 255 259 

 Boys, 2 to 15......................................................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Women and girls ...................................................................................... 531 561 554 448 620 

 Women, 16 and over ............................................................................ 507 531 538 423 595 

 Girls, 2 to 15.......................................................................................... 24 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Children under 2 ...................................................................................... 11 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Footwear .................................................................................................. 241 304 331 185 188 

 Other apparel products and services....................................................... 160 194 153 129 192 

 Transportation ............................................................................................. 8,964 9,242 8,654 8,431 9,945 

 Vehicle purchases (net outlay) ................................................................ 3,250 2,931 3,284 3,307 3,384 

 Cars and trucks, new............................................................................ 1,722 1,595 1,701 ( 2 ) ( 2 ) 

 Cars and trucks, used........................................................................... 1,518 1,322 ( 2 ) 1,414 ( 2 ) 

 Other vehicles....................................................................................... ( 2 ) ( 2 ) ( 3 ) ( 2 ) ( 2 ) 

 Gasoline, other fuels, and motor oil......................................................... 2,018 1,892 1,905 1,992 2,276 

 Other vehicle expenses ........................................................................... 3,177 3,735 2,988 2,779 3,578 

 Vehicle finance charges ....................................................................... 161 137 179 153 176 

 Maintenance and repairs ...................................................................... 1,004 998 982 858 1,282 

 Vehicle rental, leases, licenses, and other charges ............................. 721 1,259 739 438 742 

 Vehicle insurance ................................................................................. 1,291 1,341 1,088 1,330 1,377 

 Public and other transportation................................................................ 519 684 476 353 707 

 Healthcare................................................................................................... 7,195 7,578 7,192 6,816 7,544 

 Health insurance ...................................................................................... 5,129 5,154 5,343 4,909 5,282 

 Medical services ...................................................................................... 1,043 1,444 870 832 1,240 

 Drugs........................................................................................................ 761 719 716 833 724 

 Medical supplies ...................................................................................... 262 261 263 242 299 

 Entertainment.............................................................................................. 3,297 3,242 2,782 2,621 ( 2 ) 

 Fees and admissions ............................................................................... 501 630 498 356 644 

 Audio and visual equipment and services ............................................... 1,072 1,172 1,096 989 1,106 

 Pets, toys, hobbies, and playground equipment ..................................... 992 894 837 907 1,382 

 Pets....................................................................................................... 847 783 687 792 1,161 

 Toys, hobbies, and playground equipment .......................................... 145 111 150 115 222 

See footnotes at end of table.
Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

65-74 Northeast Midwest South West

 Other entertainment supplies, equipment, and services ......................... ( 2 ) ( 2 ) 353 369 ( 2 ) 

 Personal care products and services.......................................................... 716 807 695 666 745 

 Reading ....................................................................................................... 142 167 114 ( 2 ) 169 

 Education .................................................................................................... 325 495 ( 2 ) ( 2 ) 230 

 Tobacco products and smoking supplies.................................................... 308 293 378 284 293 

 Miscellaneous.............................................................................................. 879 987 925 765 941 

 Cash contributions ...................................................................................... 2,833 2,471 2,136 3,199 3,175 

 Personal insurance and pensions............................................................... 3,976 5,437 3,561 3,237 4,431 

 Life and other personal insurance ........................................................... 550 702 523 528 488 

 Pensions and Social Security .................................................................. 3,426 4,735 3,037 2,709 3,943 

Sources of income and personal taxes:

 Income before taxes.................................................................................... $65,702 $81,334 $62,262 $58,666 $68,123 

 Wages and salaries ................................................................................. 28,050 38,327 24,769 25,414 27,213 

 Self-employment income ......................................................................... 4,205 6,160 ( 2 ) 2,459 ( 2 ) 

 Social Security, private and government retirement................................ 28,529 30,842 28,890 26,995 28,895 

 Interest, dividends, rental income, and other property income ............... 3,626 4,728 3,774 2,667 4,213 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP).................................................. 425 479 398 312 601 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support.................................................... 670 592 644 ( 2 ) 823 

 Other income............................................................................................ 197 ( 2 ) ( 2 ) 186 278 

 Personal taxes (contains some imputed values)........................................ 4,163 7,051 3,379 2,703 5,029 

 Federal income taxes............................................................................... 3,990 6,090 3,424 2,902 4,662 

 Stimulus payment (new UCC Q20202)# ................................................. -1,078 -1,021 -1,015 -1,037 -1,258 

 State and local income taxes................................................................... 1,176 1,903 872 761 1,577 

 Other taxes............................................................................................... 76 ( 2 ) ( 2 ) 77 ( 2 ) 

 Income after taxes....................................................................................... 61,539 74,283 58,883 55,963 63,094 

Addenda:

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

 Net change in total assets ....................................................................... ( 2 ) 29,580 ( 2 ) ( 2 ) ( 2 ) 

 Net change in total liabilities .................................................................... 7,622 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Other financial information:

 Other money receipts............................................................................... 1,026 ( 2 ) ( 2 ) ( 2 ) 2,309 

 Mortgage principal paid on owned property ............................................ -2,273 -2,330 -2,050 -2,154 -2,643 

 Estimated market value of owned home ................................................. 302,172 314,667 217,217 237,679 484,200 

 Estimated monthly rental value of owned home...................................... 1,520 1,706 1,246 1,369 1,891 

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