Table 3840. Consumer units with reference person age 55 to 64 by region of residence:

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005

Item Total

55-64 Northeast Midwest South West

Number of consumer units (in thousands) ....... 17,785 3,586 3,977 6,607 3,615 

Consumer unit characteristics: 

Income before taxes ..................................... $62,736 $70,598 $60,682 $56,776 $68,092 

Income after taxes ........................................ 59,690 67,954 57,171 54,339 64,040 

Age of reference person ................................ 59.2 59.3 59.3 59.3 59.1 

Average number in consumer unit:

Persons ........................................................ 2.1 2.1 2.0 2.1 2.1 

Children under 18 ........................................ .2 .1 .2 .2 .2 

Persons 65 and over .................................... .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 1.3 1.3 1.2 1.3 

Vehicles ....................................................... 2.2 1.9 2.4 2.2 2.4 

Percent distribution:

Sex of reference person:

Male ............................................................. 50 50 53 47 50 

Female ......................................................... 50 50 47 53 50 

Housing tenure:

Homeowner .................................................. 82 77 87 85 79 

With mortgage ............................................ 46 37 48 45 53 

Without mortgage ....................................... 37 39 39 40 25 

Renter .......................................................... 18 23 13 15 21 

Race of reference person:

Black or African-American ........................... 10 10 8 16 3 

White, Asian, and all other races ................. 90 90 92 84 97 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 7 6 2 7 15 

Not Hispanic or Latino .................................. 93 94 98 93 85 

Education of reference person:

Elementary (1-8) .......................................... 5 4 4 7 6 

High school (9-12) ........................................ 35 39 40 37 24 

College ......................................................... 59 57 56 56 69 

Never attended and other ............................ 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 

At least one vehicle owned or leased ............ 91 87 93 92 94 

Average annual expenditures .......................... $48,544 $50,946 $46,779 $44,039 $56,436 

Food ............................................................... 6,051 6,987 5,736 5,354 6,787 

Food at home ............................................... 3,431 3,812 3,328 3,080 3,836 

Cereals and bakery products ..................... 451 508 471 405 462 

Cereals and cereal products .................... 138 164 126 125 149 

Bakery products ....................................... 313 344 345 281 313 

Meats, poultry, fish, and eggs .................... 860 984 791 815 898 

Beef .......................................................... 254 252 260 249 256 

Pork .......................................................... 185 195 169 199 166 

Other meats ............................................. 105 129 105 92 106 

Poultry ...................................................... 145 189 126 128 155 

Fish and seafood ..................................... 131 174 100 107 167 

Eggs ......................................................... 41 45 31 40 48 

Dairy products ............................................ 374 415 365 336 417 

Fresh milk and cream .............................. 138 146 134 131 147 

Other dairy products ................................ 237 269 232 205 270 

Fruits and vegetables ................................. 607 725 564 510 722 

Fresh fruits ............................................... 205 245 203 163 251 

Fresh vegetables ..................................... 207 249 182 167 269 

Processed fruits ....................................... 106 134 96 92 116 

Processed vegetables .............................. 89 98 84 88 86 

See footnotes at end of table.
Table 3840. Consumer units with reference person age 55 to 64 by region of residence:

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005 — Continued

Item Total

55-64 Northeast Midwest South West

Other food at home .................................... $1,138 $1,179 $1,137 $1,014 $1,338 

Sugar and other sweets ........................... 133 148 134 112 159 

Fats and oils ............................................. 96 102 93 86 110 

Miscellaneous foods ................................ 540 572 552 478 612 

Nonalcoholic beverages ........................... 306 299 296 286 361 

Food prepared by consumer unit on

out-of-town trips ..................................... 64 58 62 51 94 

Food away from home ................................. 2,620 3,175 2,408 2,274 2,951 

Alcoholic beverages ....................................... 455 581 428 308 641 

Housing .......................................................... 15,113 16,952 14,213 12,980 18,203 

Shelter .......................................................... 8,337 10,091 7,542 6,764 10,347 

Owned dwellings ........................................ 6,364 7,399 5,893 5,292 7,812 

Mortgage interest and charges ................ 2,988 2,496 2,611 2,653 4,502 

Property taxes .......................................... 1,823 2,798 1,962 1,337 1,591 

Maintenance, repairs, insurance, other

expenses ................................................ 1,553 2,106 1,320 1,302 1,720 

Rented dwellings ........................................ 1,223 1,637 849 941 1,738 

Other lodging ............................................. 751 1,054 800 532 797 

Utilities, fuels, and public services ............... 3,332 3,508 3,367 3,300 3,178 

Natural gas ................................................. 499 658 769 288 429 

Electricity .................................................... 1,218 1,126 1,073 1,436 1,072 

Fuel oil and other fuels ............................... 169 416 121 101 102 

Telephone services .................................... 1,062 1,021 1,033 1,106 1,054 

Water and other public services ................. 385 287 372 370 521 

Household operations .................................. 668 640 566 614 909 

Personal services ....................................... 57 246 53 69 251 

Other household expenses ........................ 611 594 514 545 857 

Housekeeping supplies ................................ 696 770 668 629 781 

Laundry and cleaning supplies .................. 154 152 154 152 157 

Other household products .......................... 351 364 318 332 410 

Postage and stationery .............................. 192 254 196 145 215 

Household furnishings and equipment ......... 2,079 1,943 2,069 1,672 2,987 

Household textiles ...................................... 179 251 166 135 203 

Furniture ..................................................... 511 477 440 473 693 

Floor coverings .......................................... 85 86 69 68 131 

Major appliances ........................................ 269 237 310 234 321 

Small appliances, miscellaneous

housewares .............................................. 136 141 138 100 194 

Miscellaneous household equipment ......... 900 749 947 662 1,446 

Apparel and services ..................................... 1,823 2,189 1,512 1,610 2,195 

Men and boys .............................................. 367 497 333 288 427 

Men, 16 and over ....................................... 322 443 292 246 378 

Boys, 2 to 15 .............................................. 45 53 41 42 48 

Women and girls .......................................... 751 900 654 690 821 

Women, 16 and over .................................. 696 832 599 644 765 

Girls, 2 to 15 ............................................... 54 68 55 46 57 

Children under 2 .......................................... 53 61 61 41 57 

Footwear ...................................................... 325 447 207 285 403 

Other apparel products and services ........... 328 284 257 306 487 

Transportation ................................................ 8,700 7,704 7,958 8,445 10,974 

Vehicle purchases (net outlay) ..................... 3,717 2,525 3,254 3,890 5,092 

Cars and trucks, new ................................. 2,355 1,635 2,002 2,629 2,958 

Cars and trucks, used ................................ 1,292 877 1,168 1,178 2,047 

Other vehicles ............................................ 70 212 284 283 287 

Gasoline and motor oil ................................. 1,888 1,639 1,862 1,916 2,112 

See footnotes at end of table.
Table 3840. Consumer units with reference person age 55 to 64 by region of residence:

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005 — Continued

Item Total

55-64 Northeast Midwest South West

Other vehicle expenses ............................... $2,522 $2,702 $2,359 $2,269 $2,989 

Vehicle finance charges ............................. 313 235 297 352 337 

Maintenance and repairs ........................... 738 692 681 660 987 

Vehicle insurance ....................................... 959 1,059 839 927 1,053 

Vehicle rental, leases, licenses, and other

charges .................................................... 512 717 542 330 612 

Public transportation .................................... 573 838 482 370 781 

Healthcare ...................................................... 3,352 2,951 3,470 3,483 3,381 

Health insurance .......................................... 1,580 1,549 1,607 1,586 1,569 

Medical services .......................................... 943 747 1,022 969 1,002 

Drugs ........................................................... 682 519 684 790 645 

Medical supplies .......................................... 147 137 156 138 164 

Entertainment ................................................. 2,627 2,261 2,369 2,693 3,158 

Fees and admissions ................................... 631 688 641 485 830 

Audio and visual equipment and services .... 838 884 788 787 938 

Pets, toys, hobbies, and playground

equipment .................................................. 479 424 437 431 663 

Other entertainment supplies, equipment,

and services ............................................... 680 265 503 990 727 

Personal care products and services ............. 590 670 550 509 704 

Reading .......................................................... 172 187 200 127 209 

Education ....................................................... 727 1,339 664 472 655 

Tobacco products and smoking supplies ....... 318 328 333 321 287 

Miscellaneous ................................................ 905 995 932 712 1,149 

Cash contributions ......................................... 1,864 1,598 2,152 1,768 1,987 

Personal insurance and pensions .................. 5,845 6,204 6,261 5,258 6,106 

Life and other personal insurance ................ 577 584 691 584 433 

Pensions and Social Security ...................... 5,268 5,620 5,571 4,674 5,673 

Sources of income and personal taxes: 

Money income before taxes ........................... 62,736 70,598 60,682 56,776 68,092 

Wages and salaries ..................................... 46,071 52,527 46,267 41,856 47,155 

Self-employment income ............................. 4,253 6,755 3,426 3,236 4,539 

Social Security, private and government

retirement ................................................... 9,295 8,581 8,717 9,201 10,812 

Interest, dividends, rental income, other

property income ......................................... 2,143 1,598 1,369 1,669 4,401 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 267 416 158 264 245 

Public assistance, supplemental security

income, food stamps .................................. 371 489 301 284 488 

Regular contributions for support ................. 204 125 326 135 278 

Other income ............................................... 132 108 118 132 174 

Personal taxes ............................................... 3,047 2,644 3,511 2,437 4,052 

Federal income taxes ................................... 2,187 1,796 2,421 1,826 2,974 

State and local income taxes ....................... 610 546 786 373 911 

Other taxes .................................................. 251 302 304 237 167 

Income after taxes ......................................... 59,690 67,954 57,171 54,339 64,040 

See footnotes at end of table.
Table 3840. Consumer units with reference person age 55 to 64 by region of residence:

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005 — Continued

Item Total

55-64 Northeast Midwest South West

Addenda:

Net change in total assets and liabilities ........ - $4,829 - $1,431 - $5,405 - $2,803 - $11,270 

Net change in total assets ............................ 9,139 7,825 586 11,736 15,107 

Net change in total liabilities ........................ 13,969 9,256 5,991 14,539 26,378 

Other financial information:

Other money receipts ................................... 1,317 354 754 1,501 2,553 

Mortgage principal paid on owned

property ...................................................... -2,617 -2,662 -2,728 -2,267 -3,090 

Estimated market value of owned home ...... 201,854 261,045 151,858 156,444 281,136 

Estimated monthly rental value of owned

home .......................................................... 1,010 1,099 925 898 1,219 

Gifts of goods and services ............................ 1,612 2,396 1,585 1,171 1,685 

Food ............................................................. 156 303 132 95 149 

Alcoholic beverages ..................................... 13 18 12 10 17 

Housing ........................................................ 368 392 480 279 395 

Housekeeping supplies .............................. 57 79 60 42 59 

Household textiles ...................................... 26 32 29 24 19 

Appliances and miscellaneous

housewares .............................................. 44 39 74 32 42 

Major appliances ...................................... 18 25 48 14 8 

Small appliances and miscellaneous

housewares ............................................ 26 34 26 18 34 

Miscellaneous household equipment ......... 91 73 152 61 102 

Other housing ............................................ 151 169 165 120 173 

Apparel and services ................................... 332 418 277 294 377 

Males, 2 and over ...................................... 80 122 78 55 91 

Females, 2 and over .................................. 116 138 106 121 95 

Children under 2 ........................................ 46 55 49 36 49 

Other apparel products and services ......... 90 103 45 82 142 

Jewelry and watches ................................ 46 26 13 43 105 

All other apparel products and services ... 44 77 32 38 37 

Transportation .............................................. 62 92 56 48 65 

Health care ................................................... 31 20 38 33 30 

Entertainment ............................................... 122 114 128 119 128 

Toys, games, arts and crafts, and

tricycles .................................................... 48 47 60 47 40 

Other entertainment ................................... 73 67 68 72 88 

Personal care products and services ........... 18 23 13 17 21 

Reading ........................................................ 2 2 2 1 2 

Education ..................................................... 349 831 285 168 274 

All other gifts ................................................ 159 183 161 107 226 

1 Value less than or equal to 0.5. 2 Data are likely to have large sampling errors.

n.a. Not applicable.