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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2008-2009

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 25,527 4,946 5,851 9,507 5,222 

Consumer unit characteristics: 

Income before taxes ..................................... $81,411 $92,192 $81,518 $74,665 $83,363 

Income after taxes ........................................ 78,001 88,257 78,399 71,583 79,524 

Age of reference person ................................ 49.4 49.4 49.6 49.4 49.4 

Average number in consumer unit:

Persons ........................................................ 2.7 2.8 2.7 2.7 2.8 

Children under 18 ........................................ .6 .6 .6 .6 .7 

Persons 65 and older ................................... 1 ( ) .1 1 ( ) .1 1 ( )

Earners ........................................................ 1.7 1.7 1.8 1.6 1.7 

Vehicles ....................................................... 2.4 2.1 2.7 2.2 2.5 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 46 49 46 51 

Female ......................................................... 52 54 51 54 49 

Housing tenure:

Homeowner .................................................. 75 73 81 75 70 

With mortgage ............................................ 56 55 62 53 56 

Without mortgage ....................................... 19 17 19 23 15 

Renter .......................................................... 25 27 19 25 30 

Race of reference person:

Black or African-American ........................... 13 13 8 19 5 

White, Asian, and all other races ................. 87 87 92 81 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 8 4 12 19 

Not Hispanic or Latino .................................. 89 92 96 88 81 

Education of reference person:

Elementary (1-8) .......................................... 4 2 3 4 5 

High school (9-12) ........................................ 35 37 36 37 28 

College ......................................................... 61 61 61 59 66 

Never attended and other ............................ 2 ( ) 2 ( ) 2 ( ) 2 ( ) 1 

At least one vehicle owned or leased ............ 92 85 94 93 93 

Average annual expenditures .......................... $59,953 $66,598 $59,903 $54,090 $64,329 

Food ............................................................... 7,573 8,310 7,550 6,905 8,086 

Food at home ............................................... 4,399 4,817 4,579 3,927 4,635 

Cereals and bakery products ..................... 593 680 611 532 596 

Cereals and cereal products .................... 196 226 209 162 212 

Bakery products ....................................... 397 455 402 370 385 

Meats, poultry, fish, and eggs .................... 998 1,112 988 954 978 

Beef .......................................................... 277 286 280 274 269 

Pork .......................................................... 191 186 209 196 170 

Other meats ............................................. 131 160 131 117 125 

Poultry ...................................................... 186 215 173 177 189 

Fish and seafood ..................................... 162 213 145 141 166 

Eggs ......................................................... 52 52 50 49 60 

Dairy products ............................................ 486 531 531 413 522 

Fresh milk and cream .............................. 174 181 179 157 191 

Other dairy products ................................ 312 350 352 256 332 

Fruits and vegetables ................................. 765 884 756 645 873 

Fresh fruits ............................................... 256 303 251 206 304 

Fresh vegetables ..................................... 248 292 228 206 302 

Processed fruits ....................................... 138 165 141 114 151 

Processed vegetables .............................. 123 124 136 118 115 

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,

2008-2009 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,557 $1,609 $1,693 $1,383 $1,665 

Sugar and other sweets ........................... 159 170 191 139 151 

Fats and oils ............................................. 120 123 130 110 125 

Miscellaneous foods ................................ 803 808 900 700 873 

Nonalcoholic beverages ........................... 415 442 414 386 439 

Food prepared by consumer unit on

out-of-town trips ..................................... 60 67 58 47 77 

Food away from home ................................. 3,174 3,493 2,970 2,978 3,451 

Alcoholic beverages ....................................... 503 530 557 425 559 

Housing .......................................................... 19,285 22,187 18,171 16,844 22,231 

Shelter .......................................................... 11,493 13,589 10,659 9,292 14,451 

Owned dwellings ........................................ 8,350 9,584 8,222 6,690 10,349 

Mortgage interest and charges ................ 4,811 4,766 4,313 3,961 6,957 

Property taxes .......................................... 2,240 3,547 2,468 1,568 1,972 

Maintenance, repairs, insurance, other

expenses ................................................ 1,299 1,272 1,441 1,161 1,419 

Rented dwellings ........................................ 2,203 2,726 1,446 1,813 3,263 

Other lodging ............................................. 940 1,279 991 789 839 

Utilities, fuels, and public services ............... 4,261 4,843 4,232 4,199 3,854 

Natural gas ................................................. 588 817 898 325 502 

Electricity .................................................... 1,570 1,509 1,327 1,889 1,318 

Fuel oil and other fuels ............................... 196 610 166 69 70 

Telephone services .................................... 1,379 1,475 1,360 1,376 1,318 

Water and other public services ................. 528 433 481 540 648 

Household operations .................................. 964 1,175 815 872 1,099 

Personal services ....................................... 252 401 201 182 297 

Other household expenses ........................ 712 774 614 690 802 

Housekeeping supplies ................................ 735 713 775 715 746 

Laundry and cleaning supplies .................. 169 166 161 171 177 

Other household products .......................... 410 413 417 425 371 

Postage and stationery .............................. 156 134 197 120 198 

Household furnishings and equipment ......... 1,832 1,867 1,690 1,766 2,080 

Household textiles ...................................... 163 139 145 146 238 

Furniture ..................................................... 395 438 319 446 349 

Floor coverings .......................................... 45 44 58 36 45 

Major appliances ........................................ 213 229 190 198 253 

Small appliances, miscellaneous

housewares .............................................. 117 126 132 103 116 

Miscellaneous household equipment ......... 899 891 846 837 1,079 

Apparel and services ..................................... 2,059 2,313 1,790 2,173 1,911 

Men and boys .............................................. 465 509 455 450 462 

Men, 16 and over ....................................... 381 405 370 375 378 

Boys, 2 to 15 .............................................. 85 104 85 75 84 

Women and girls .......................................... 876 917 745 991 777 

Women, 16 and over .................................. 738 763 585 876 636 

Girls, 2 to 15 ............................................... 138 153 159 115 140 

Children under 2 .......................................... 53 50 57 48 59 

Footwear ...................................................... 382 436 284 432 347 

Other apparel products and services ........... 283 400 249 251 267 

Transportation ................................................ 10,052 10,723 10,541 9,404 10,030 

Vehicle purchases (net outlay) ..................... 3,292 3,289 3,639 3,144 3,175 

Cars and trucks, new ................................. 1,603 1,605 1,522 1,707 1,502 

Cars and trucks, used ................................ 1,583 1,600 1,922 1,342 1,626 

Other vehicles ............................................ 106 385 194 395 346 

Gasoline and motor oil ................................. 2,850 2,608 2,957 2,957 2,763 

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,

2008-2009 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $3,307 $4,057 $3,392 $2,897 $3,230 

Vehicle finance charges ............................. 349 263 349 410 322 

Maintenance and repairs ........................... 953 1,114 967 789 1,084 

Vehicle insurance ....................................... 1,460 1,937 1,436 1,340 1,239 

Vehicle rental, leases, licenses, and other

charges .................................................... 544 743 639 358 586 

Public transportation .................................... 603 769 553 406 862 

Healthcare ...................................................... 3,051 2,985 3,284 2,981 2,979 

Health insurance .......................................... 1,605 1,705 1,642 1,579 1,515 

Medical services .......................................... 850 711 992 801 910 

Drugs ........................................................... 458 440 472 464 449 

Medical supplies .......................................... 138 129 177 137 106 

Entertainment ................................................. 3,237 3,515 3,249 2,792 3,765 

Fees and admissions ................................... 808 1,063 802 616 922 

Audio and visual equipment and services .... 1,120 1,193 1,101 1,084 1,137 

Pets, toys, hobbies, and playground

equipment .................................................. 820 794 740 777 1,015 

Other entertainment supplies, equipment,

and services ............................................... 489 466 606 316 692 

Personal care products and services ............. 702 777 687 619 793 

Reading .......................................................... 122 147 135 89 143 

Education ....................................................... 2,033 3,512 1,885 1,535 1,707 

Tobacco products and smoking supplies ....... 475 496 532 465 410 

Miscellaneous ................................................ 1,003 997 988 977 1,074 

Cash contributions ......................................... 2,104 1,701 2,405 1,890 2,537 

Personal insurance and pensions .................. 7,753 8,405 8,128 6,991 8,105 

Life and other personal insurance ................ 411 479 474 392 310 

Pensions and Social Security ...................... 7,343 7,926 7,654 6,599 7,794 

Sources of income and personal taxes: 

Money income before taxes ........................... 81,411 92,192 81,518 74,665 83,363 

Wages and salaries ..................................... 72,505 83,042 71,715 67,001 73,429 

Self-employment income ............................. 3,726 3,456 5,129 2,371 4,874 

Social Security, private and government

retirement ................................................... 2,335 2,299 2,202 2,681 1,887 

Interest, dividends, rental income, other

property income ......................................... 1,179 1,080 922 1,324 1,298 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 437 682 437 240 563 

Public assistance, supplemental security

income, food stamps .................................. 433 461 399 428 451 

Regular contributions for support ................. 573 778 587 409 660 

Other income ............................................... 225 394 126 211 201 

Personal taxes ............................................... 3,411 3,935 3,119 3,082 3,840 

Federal income taxes ................................... 2,747 2,949 2,465 2,667 3,016 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -411 -385 -475 -424 -342 

State and local income taxes ....................... 813 1,037 905 604 879 

Other taxes .................................................. 262 334 224 236 286 

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,

2008-2009 — Continued

Item Total

45-54 Northeast Midwest South West

Income after taxes ......................................... 78,001 88,257 78,399 71,583 79,524 

Addenda:

Net change in total assets and liabilities ........ - $6,885 - $1,792 - $9,315 - $2,947 - $16,154 

Net change in total assets ............................ 6,003 7,836 3,185 5,768 7,850 

Net change in total liabilities ........................ 12,887 9,628 12,499 8,716 24,004 

Other financial information:

Other money receipts ................................... 553 533 737 493 473 

Mortgage principal paid on owned property -3,321 -3,975 -3,368 -2,642 -3,882 

Estimated market value of owned home ...... 197,975 241,936 163,057 154,135 275,274 

Estimated monthly rental value of owned

home .......................................................... 1,025 1,186 930 917 1,176 

Gifts of goods and services ............................ 1,846 2,319 1,875 1,599 1,817 

Food ............................................................. 149 173 194 119 131 

Alcoholic beverages ..................................... 10 12 11 8 10 

Housing ........................................................ 342 339 347 313 394 

Housekeeping supplies .............................. 36 18 50 27 56 

Household textiles ...................................... 22 7 24 16 44 

Appliances and miscellaneous

housewares .............................................. 28 31 24 30 26 

Major appliances ...................................... 7 5 9 6 8 

Small appliances and miscellaneous

housewares ............................................ 21 25 15 24 18 

Miscellaneous household equipment ......... 78 63 79 69 107 

Other housing ............................................ 178 220 171 170 161 

Apparel and services ................................... 289 275 255 342 244 

Males, 2 and over ...................................... 63 66 76 48 71 

Females, 2 and over .................................. 127 97 79 196 86 

Children under 2 ........................................ 44 44 48 40 48 

Other apparel products and services ......... 55 68 53 58 39 

Jewelry and watches ................................ 12 20 7 9 16 

All other apparel products and services ... 42 48 46 49 22 

Transportation .............................................. 124 112 154 63 210 

Healthcare .................................................... 38 20 48 43 36 

Entertainment ............................................... 87 115 99 67 83 

Toys, games, arts and crafts, and tricycles 25 32 25 25 320 

Other entertainment ................................... 62 83 74 43 63 

Personal care products and services ........... 13 16 8 8 23 

Reading ........................................................ 1 1 1 2 ( ) 2 ( )

Education ..................................................... 698 1,153 665 559 556 

All other gifts ................................................ 95 103 92 75 128 

1 Value is less than or equal to 0.05. 2 Value is less than or equal to 0.5. 3 Data are likely to have large sampling errors.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010