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

and characteristics, Consumer Expenditure Survey, 2017-2018

Item Total 

45-54 Northeast Midwest South West 

Number of consumer units (in thousands) ................................................................23,315 4,285 4,898 8,966 5,167 

Consumer unit characteristics: 

 Income before taxes ................................................................................................ $104,737 $127,958 $98,779 $96,106 $106,106 

 Income after taxes ................................................................................................ 87,010 102,093 82,898 81,030 88,776 

 Age of reference person ................................................................................................ 49.6 49.8 49.7 49.6 49.5 

 Average number in consumer unit: 

 People ................................................................................................................................ 2.8 2.9 2.7 2.8 3.0 

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

 Adults 65 and older ................................................................................................ .1 .1 ( 1 ) .1 .1 

 Earners ................................................................................................................................ 1.7 1.8 1.8 1.7 1.8 

 Vehicles ................................................................................................................................ 2.2 2.0 2.5 2.2 2.3 

Percent distribution: 

 Reference person: 

 Men ................................................................................................................................ 47 45 48 47 50 

 Women ................................................................................................................................ 53 55 52 53 50 

 Housing tenure: 

 Homeowner ................................................................................................ 69 69 70 69 65 

 With mortgage ................................................................................................ 52 52 53 51 51 

 Without mortgage ................................................................................................ 17 17 17 19 14 

 Renter ................................................................................................................................ 31 31 30 31 35 

 Race of reference person: 

 Black or African-American ................................................................................................ 14 14 13 20 6 

 White, Asian, and all other races ................................................................ 86 86 87 80 94 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................................ 16 13 6 17 28 

 Not Hispanic or Latino ................................................................................................84 87 94 83 72 

 Education of reference person: 

 Elementary (1-8)................................................................................................ 3 2 2 2 6 

 High school (9-12) ................................................................................................ 28 29 30 29 24 

 College ................................................................................................................................ 69 68 68 69 70 

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

 At least one vehicle owned or leased ................................................................ 91 84 93 93 92 

Average annual expenditures ................................................................................................ $74,573 $83,451 $71,404 $67,640 $82,191 

 Food ................................................................................................................................ 9,400 9,858 9,137 8,420 11,047 

 Food at home ................................................................................................ 5,124 5,537 4,976 4,497 6,065 

 Cereals and bakery products ................................................................................................ 648 721 632 571 741 

 Cereals and cereal products ................................................................ 209 229 199 183 249 

 Bakery products ................................................................................................ 439 492 433 389 492 

 Meats, poultry, fish, and eggs ................................................................ 1,117 1,223 1,054 1,005 1,300 

 Beef ................................................................................................................................ 297 285 298 272 351 

 Pork ................................................................................................................................ 215 186 237 195 252 

 Other meats ................................................................................................ 153 186 174 131 140 

 Poultry ................................................................................................................................ 222 278 172 204 260 

 Fish and seafood ................................................................................................164 215 125 144 199 

 Eggs ................................................................................................................................ 67 72 48 60 97 

 Dairy products ................................................................................................ 520 588 536 435 598 

 Fresh milk and cream ................................................................................................ 174 198 176 147 200 

 Other dairy products ................................................................................................ 346 390 360 288 398 

 Fruits and vegetables ................................................................................................ 967 1,118 870 800 1,247 

 Fresh fruits ................................................................................................ 367 437 310 302 486 

 Fresh vegetables ................................................................................................327 392 293 256 435 

 Processed fruits ................................................................................................ 119 133 107 101 152 

 Processed vegetables ................................................................................................ 155 154 160 141 174 

 Other food at home ................................................................................................ 1,872 1,888 1,884 1,685 2,179 

 Sugar and other sweets ................................................................................................ 179 184 192 147 215 

 Fats and oils ................................................................................................ 134 148 140 113 153 

 Miscellaneous foods ................................................................................................ 978 984 1,009 863 1,146 

 Nonalcoholic beverages ................................................................................................ 506 486 482 489 578 

 Food prepared by consumer unit on out-of-town trips ................................ 76 86 61 72 88 

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 Survey, 2017-2018 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Food away from home................................................................................................ 4,276 4,321 4,161 3,923 4,982 

 Alcoholic beverages ................................................................................................ 645 742 720 485 766 

 Housing ................................................................................................................................ 23,358 27,912 20,320 20,947 26,627 

 Shelter ................................................................................................................................ 13,961 17,822 11,312 12,098 16,502 

 Owned dwellings ................................................................................................9,112 11,883 7,904 7,778 10,272 

 Mortgage interest and charges ................................................................ 4,661 5,143 3,598 4,234 6,010 

 Property taxes ................................................................................................ 2,808 4,907 2,558 1,912 2,857 

 Maintenance, repairs, insurance, other expenses ................................ 1,643 1,833 1,748 1,632 1,405 

 Rented dwellings ................................................................................................3,708 4,382 2,522 3,223 5,115 

 Other lodging ................................................................................................ 1,142 1,557 886 1,098 1,116 

 Utilities, fuels, and public services ................................................................ 4,711 5,140 4,494 4,651 4,666 

 Natural gas ................................................................................................ 453 669 630 277 413 

 Electricity ................................................................................................ 1,662 1,623 1,485 1,887 1,471 

 Fuel oil and other fuels ................................................................................................ 122 416 65 55 47 

 Telephone services ................................................................................................ 1,768 1,908 1,707 1,731 1,774 

 Residential phone service, VOIP, and phone cards ................................ 219 352 213 189 167 

 Cellular phone service ................................................................................................ 1,549 1,556 1,495 1,543 1,607 

 Water and other public services ................................................................ 706 524 606 700 961 

 Household operations ................................................................................................ 1,466 1,602 1,131 1,347 1,879 

 Personal services ................................................................................................ 294 379 173 215 478 

 Other household expenses ................................................................................................ 1,172 1,223 959 1,133 1,401 

 Housekeeping supplies ................................................................................................ 855 858 781 795 1,041 

 Laundry and cleaning supplies ................................................................ 200 188 216 184 223 

 Other household products ................................................................................................ 496 529 425 478 581 

 Postage and stationery ................................................................................................ 158 141 140 133 237 

 Household furnishings and equipment ................................................................ 2,364 2,489 2,602 2,056 2,539 

 Household textiles ................................................................................................ 118 107 121 129 105 

 Furniture ................................................................................................................................ 562 629 548 535 566 

 Floor coverings ................................................................................................ 30 27 42 29 21 

 Major appliances ................................................................................................ 395 528 343 360 401 

 Small appliances, miscellaneous housewares ................................................................ 158 105 239 143 143 

 Miscellaneous household equipment ................................................................ 1,101 1,093 1,308 860 1,304 

 Apparel and services ................................................................................................2,316 2,533 2,443 1,899 2,732 

 Men and boys ................................................................................................ 570 693 584 484 604 

 Men, 16 and over ................................................................................................ 441 500 445 382 489 

 Boys, 2 to 15 ................................................................................................ 130 193 140 101 115 

 Women and girls ................................................................................................ 947 924 1,117 756 1,121 

 Women, 16 and over ................................................................................................ 755 726 865 599 939 

 Girls, 2 to 15 ................................................................................................ 192 198 252 157 183 

 Children under 2 ................................................................................................ 56 272 49 38 81 

 Footwear ................................................................................................................................ 478 586 432 396 585 

 Other apparel products and services ................................................................ 265 258 261 225 342 

 Transportation ................................................................................................ 11,639 11,269 11,227 11,497 12,586 

 Vehicle purchases (net outlay) ................................................................................................ 4,646 3,537 4,614 5,164 4,696 

 Cars and trucks, new ................................................................................................ 2,063 1,396 1,621 2,429 2,400 

 Cars and trucks, used ................................................................................................ 2,527 2,073 2,951 2,645 2,295 

 Other vehicles ................................................................................................ 56 268 243 290 21 

 Gasoline, other fuels, and motor oil ................................................................ 2,560 2,430 2,435 2,564 2,780 

 Other vehicle expenses ................................................................................................ 3,471 3,760 3,452 3,054 3,981 

 Vehicle finance charges ................................................................................................ 295 248 314 330 254 

 Maintenance and repairs ................................................................................................ 1,078 1,117 1,041 1,033 1,161 

 Vehicle insurance ................................................................................................1,204 1,008 1,211 1,146 1,465 

 Vehicle rental, leases, licenses, and other charges ................................ 895 1,387 886 545 1,101 

 Public and other transportation ................................................................................................ 962 1,543 726 715 1,128 

 Healthcare ................................................................................................................................ 5,011 5,190 5,163 5,012 4,716 

 Health insurance ................................................................................................ 3,415 3,557 3,471 3,549 3,013 

 Medical services ................................................................................................ 957 996 956 830 1,145 

 Drugs ................................................................................................................................ 468 441 519 475 427 

 Medical supplies ................................................................................................ 171 195 217 157 131 

 Entertainment ................................................................................................ 4,008 4,270 4,958 3,271 4,077 

 Fees and admissions ................................................................................................ 1,052 1,531 919 814 1,187 

 Audio and visual equipment and services................................................................ 1,184 1,253 1,151 1,189 1,152 

 Pets, toys, hobbies, and playground equipment ................................................................ 1,094 1,019 1,726 815 966 

 Pets ................................................................................................................................ 925 884 1,519 656 790 

 Toys, hobbies, and playground equipment ................................................................ 169 135 207 159 176 

 Other entertainment supplies, equipment, and services ................................ 678 467 1,163 453 773 

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 Survey, 2017-2018 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Personal care products and services ................................................................ 939 862 999 864 1,063 

 Reading ................................................................................................................................ 106 116 116 97 102 

 Education ................................................................................................................................ 3,013 5,305 2,449 2,030 3,353 

 Tobacco products and smoking supplies ................................................................ 424 418 466 450 341 

 Miscellaneous ................................................................................................ 1,192 1,487 1,044 962 1,484 

 Cash contributions ................................................................................................ 2,219 2,133 2,060 2,323 2,263 

 Personal insurance and pensions ................................................................ 10,304 11,357 10,301 9,384 11,032 

 Life and other personal insurance ................................................................ 553 682 531 573 434 

 Pensions and Social Security................................................................................................ 9,751 10,675 9,769 8,811 10,599 

Sources of income and personal taxes: 

 Money income before taxes ................................................................................................ $104,737 $127,958 $98,779 $96,106 $106,106 

 Wages and salaries ................................................................................................ 91,251 111,743 86,230 83,108 93,148 

 Self-employment income ................................................................................................ 8,163 10,432 7,136 8,337 6,955 

 Social Security, private and government retirement ................................................................ 2,240 1,620 2,247 2,504 2,289 

 Interest, dividends, rental income, other property income ................................ 1,752 2,503 1,909 1,040 2,217 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................................ 503 484 552 432 594 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................................ 485 485 482 446 556 

 Other income ................................................................................................ 342 691 222 239 347 

 Personal taxes (contains some imputed values) ................................................................ 17,727 25,865 15,880 15,076 17,330 

 Federal income taxes ................................................................................................ 14,059 20,054 12,155 12,518 13,569 

 State and local income taxes ................................................................................................ 3,540 5,653 3,372 2,497 3,754 

 Other taxes ................................................................................................ 128 158 354 61 28 

 Income after taxes ................................................................................................ 87,010 102,093 82,898 81,030 88,776 

Addenda: 

 Net change in total assets and liabilities ................................................................$18,841 $12,566 $23,156 $20,058 $17,842 

 Net change in total assets ................................................................................................ 28,497 20,717 35,724 27,598 29,655 

 Net change in total liabilities ................................................................................................ 9,655 8,150 12,567 7,540 11,813 

 Other financial information: 

 Other money receipts ................................................................................................397 2352 688 171 553 

 Mortgage principal paid on owned property ................................................................ -3,210 -3,618 -3,087 -2,921 -3,489 

 Estimated market value of owned home ................................................................ 242,412 296,602 158,569 177,935 388,831 

 Estimated monthly rental value of owned home ................................................................ 1,257 1,457 1,000 1,102 1,605 

 Gifts of goods and services, total ................................................................................................ 1,968 2,534 2,378 1,451 1,978 

 Food ................................................................................................................................ 115 97 126 133 83 

 Alcoholic beverages ................................................................................................ 19 15 25 15 23 

 Housing ................................................................................................................................ 328 305 357 322 325 

 Housekeeping supplies ................................................................................................ 40 25 45 41 45 

 Household textiles ................................................................................................ 12 26 229 27 28 

 Appliances and miscellaneous housewares ................................................................ 25 217 42 23 218 

 Major appliances ................................................................................................ 10 26 13 10 28 

 Small appliances and miscellaneous housewares ................................ 15 211 28 212 29 

 Miscellaneous household equipment ................................................................ 55 33 73 70 28 

 Other housing ................................................................................................ 197 224 169 182 226 

 Apparel and services ................................................................................................256 243 360 174 302 

 Males, 2 and over ................................................................................................ 63 49 101 50 57 

 Females, 2 and over ................................................................................................98 92 159 55 113 

 Children under 2 ................................................................................................ 39 257 225 22 70 

 Other apparel products and services ................................................................ 56 245 74 47 63 

 Jewelry and watches ................................................................................................ 10 211 214 213 23 

 All other apparel products and services ................................................................45 234 60 34 60 

 Transportation ................................................................................................ 167 89 283 105 226 

 Healthcare ................................................................................................................................ 35 230 36 17 71 

 Entertainment ................................................................................................ 140 112 157 149 129 

 Toys, games, arts and crafts, and tricycles ................................................................ 45 232 281 30 42 

 Other entertainment ................................................................................................95 80 75 119 87 

 Personal care products and services ................................................................ 16 11 32 6 23 

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 Survey, 2017-2018 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Reading ................................................................................................................................ 4 5 5 5 21 

 Education ................................................................................................................................ 780 1,576 860 422 665 

 All other gifts ................................................................................................ 108 53 139 103 131 

1

 Value is too small to display. 

2

 Data are likely to have large sampling errors. 

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2019