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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2005-2006

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 24,544 4,829 5,566 8,531 5,619 

Consumer unit characteristics: 

Income before taxes ..................................... $76,160 $82,340 $75,623 $70,647 $79,752 

Income after taxes ........................................ 72,569 78,987 72,144 66,987 75,953 

Age of reference person ................................ 49.3 49.3 49.4 49.3 49.4 

Average number in consumer unit:

Persons ........................................................ 2.7 2.8 2.6 2.6 2.7 

Children under 18 ........................................ .6 .6 .6 .5 .6 

Persons 65 and over .................................... 1 ( ) .1 1 ( ) 1 ( ) 1 ( )

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

Vehicles ....................................................... 2.4 2.1 2.6 2.3 2.5 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 49 51 44 48 

Female ......................................................... 52 51 49 56 52 

Housing tenure:

Homeowner .................................................. 75 74 80 75 70 

With mortgage ............................................ 58 57 61 57 58 

Without mortgage ....................................... 17 17 20 19 13 

Renter .......................................................... 25 26 20 25 30 

Race of reference person:

Black or African-American ........................... 13 11 9 21 6 

White, Asian, and all other races ................. 87 89 91 79 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 10 8 3 10 18 

Not Hispanic or Latino .................................. 90 92 97 90 82 

Education of reference person:

Elementary (1-8) .......................................... 4 2 2 4 6 

High school (9-12) ........................................ 34 37 33 38 25 

College ......................................................... 62 61 64 57 69 

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

At least one vehicle owned or leased ............ 91 86 92 91 94 

Average annual expenditures .......................... $56,729 $60,760 $55,777 $51,041 $63,026 

Food ............................................................... 7,155 8,092 7,171 6,298 7,730 

Food at home ............................................... 3,922 4,310 3,969 3,457 4,315 

Cereals and bakery products ..................... 505 577 513 440 541 

Cereals and cereal products .................... 161 182 170 138 171 

Bakery products ....................................... 344 395 344 303 370 

Meats, poultry, fish, and eggs .................... 945 1,047 925 893 963 

Beef .......................................................... 295 310 280 302 287 

Pork .......................................................... 186 178 206 182 180 

Other meats ............................................. 124 144 139 104 127 

Poultry ...................................................... 161 200 142 145 171 

Fish and seafood ..................................... 141 171 127 128 151 

Eggs ......................................................... 38 44 31 33 47 

Dairy products ............................................ 426 475 452 358 472 

Fresh milk and cream .............................. 155 167 164 134 170 

Other dairy products ................................ 271 308 288 224 302 

Fruits and vegetables ................................. 649 775 606 541 764 

Fresh fruits ............................................... 213 254 210 165 261 

Fresh vegetables ..................................... 218 261 187 194 252 

Processed fruits ....................................... 116 145 110 89 141 

Processed vegetables .............................. 102 115 99 93 109 

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,

2005-2006 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,397 $1,436 $1,473 $1,225 $1,575 

Sugar and other sweets ........................... 149 152 171 130 158 

Fats and oils ............................................. 98 106 104 91 98 

Miscellaneous foods ................................ 710 730 749 609 824 

Nonalcoholic beverages ........................... 389 394 406 360 419 

Food prepared by consumer unit on

out-of-town trips ..................................... 50 55 43 35 77 

Food away from home ................................. 3,233 3,782 3,202 2,841 3,415 

Alcoholic beverages ....................................... 535 563 667 399 605 

Housing .......................................................... 17,837 19,559 16,459 15,710 20,976 

Shelter .......................................................... 10,606 12,045 9,525 8,778 13,214 

Owned dwellings ........................................ 7,871 8,675 7,500 6,594 9,488 

Mortgage interest and charges ................ 4,672 4,291 4,239 4,062 6,352 

Property taxes .......................................... 1,987 3,083 2,144 1,373 1,820 

Maintenance, repairs, insurance, other

expenses ................................................ 1,213 1,302 1,117 1,159 1,316 

Rented dwellings ........................................ 1,946 2,344 1,303 1,615 2,742 

Other lodging ............................................. 788 1,025 722 569 984 

Utilities, fuels, and public services ............... 3,803 4,164 3,783 3,838 3,461 

Natural gas ................................................. 567 765 841 343 466 

Electricity .................................................... 1,389 1,372 1,196 1,673 1,163 

Fuel oil and other fuels ............................... 161 446 137 75 72 

Telephone services .................................... 1,249 1,264 1,207 1,288 1,219 

Water and other public services ................. 437 318 401 459 541 

Household operations .................................. 731 695 638 667 951 

Personal services ....................................... 162 180 134 138 211 

Other household expenses ........................ 569 515 504 529 740 

Housekeeping supplies ................................ 722 774 701 652 819 

Laundry and cleaning supplies .................. 157 145 160 158 164 

Other household products .......................... 379 433 355 355 394 

Postage and stationery .............................. 186 196 185 139 261 

Household furnishings and equipment ......... 1,975 1,882 1,813 1,776 2,530 

Household textiles ...................................... 167 159 178 166 161 

Furniture ..................................................... 496 433 393 443 735 

Floor coverings .......................................... 69 55 61 80 73 

Major appliances ........................................ 262 214 221 259 355 

Small appliances, miscellaneous

housewares .............................................. 136 111 86 132 218 

Miscellaneous household equipment ......... 843 910 874 696 988 

Apparel and services ..................................... 2,247 2,459 2,317 2,116 2,206 

Men and boys .............................................. 555 585 542 512 616 

Men, 16 and over ....................................... 458 465 453 411 537 

Boys, 2 to 15 .............................................. 97 120 89 101 80 

Women and girls .......................................... 934 1,015 1,060 850 876 

Women, 16 and over .................................. 801 843 938 739 730 

Girls, 2 to 15 ............................................... 133 172 121 111 146 

Children under 2 .......................................... 62 59 60 63 64 

Footwear ...................................................... 356 454 352 333 309 

Other apparel products and services ........... 339 346 303 358 341 

Transportation ................................................ 9,954 10,268 9,292 9,572 10,924 

Vehicle purchases (net outlay) ..................... 3,964 4,050 3,266 4,110 4,360 

Cars and trucks, new ................................. 2,123 2,370 1,602 2,142 2,398 

Cars and trucks, used ................................ 1,768 1,630 1,598 1,914 1,832 

Other vehicles ............................................ 74 350 366 55 130 

Gasoline and motor oil ................................. 2,559 2,330 2,617 2,591 2,651 

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,

2005-2006 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $2,835 $3,116 $2,858 $2,502 $3,077 

Vehicle finance charges ............................. 333 290 305 387 313 

Maintenance and repairs ........................... 838 918 817 666 1,055 

Vehicle insurance ....................................... 1,132 1,214 1,117 1,090 1,139 

Vehicle rental, leases, licenses, and other

charges .................................................... 532 694 619 358 570 

Public transportation .................................... 596 773 551 369 836 

Healthcare ...................................................... 2,715 2,633 2,898 2,638 2,719 

Health insurance .......................................... 1,296 1,383 1,335 1,294 1,188 

Medical services .......................................... 784 642 917 675 939 

Drugs ........................................................... 497 436 503 558 451 

Medical supplies .......................................... 137 173 143 111 141 

Entertainment ................................................. 2,901 2,919 2,776 2,571 3,520 

Fees and admissions ................................... 755 821 831 535 956 

Audio and visual equipment and services .... 1,033 1,104 921 1,026 1,093 

Pets, toys, hobbies, and playground

equipment .................................................. 518 531 524 450 609 

Other entertainment supplies, equipment,

and services ............................................... 596 464 500 559 861 

Personal care products and services ............. 662 630 646 636 749 

Reading .......................................................... 138 158 147 96 175 

Education ....................................................... 1,752 2,708 1,835 1,341 1,474 

Tobacco products and smoking supplies ....... 430 420 480 429 392 

Miscellaneous ................................................ 960 1,019 975 705 1,295 

Cash contributions ......................................... 2,097 1,515 2,489 2,027 2,316 

Personal insurance and pensions .................. 7,347 7,816 7,625 6,504 7,946 

Life and other personal insurance ................ 443 470 489 405 432 

Pensions and Social Security ...................... 6,904 7,347 7,137 6,099 7,514 

Sources of income and personal taxes: 

Money income before taxes ........................... 76,160 82,340 75,623 70,647 79,752 

Wages and salaries ..................................... 66,263 72,966 66,358 60,917 68,525 

Self-employment income ............................. 5,169 4,635 3,946 5,056 7,010 

Social Security, private and government

retirement ................................................... 2,051 1,660 1,821 2,610 1,767 

Interest, dividends, rental income, other

property income ......................................... 1,312 1,392 2,302 895 896 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 300 368 273 226 379 

Public assistance, supplemental security

income, food stamps .................................. 340 289 277 387 374 

Regular contributions for support ................. 458 473 503 403 487 

Other income ............................................... 268 558 143 154 314 

Personal taxes ............................................... 3,591 3,354 3,479 3,660 3,799 

Federal income taxes ................................... 2,594 2,300 2,342 2,833 2,732 

State and local income taxes ....................... 775 814 799 660 893 

Other taxes .................................................. 222 240 339 168 174 

Income after taxes ......................................... 72,569 78,987 72,144 66,987 75,953 

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,

2005-2006 — Continued

Item Total

45-54 Northeast Midwest South West

Addenda:

Net change in total assets and liabilities ........ - $9,161 - $7,201 - $6,930 - $6,316 - $17,374 

Net change in total assets ............................ 9,155 10,440 5,716 7,425 14,085 

Net change in total liabilities ........................ 18,316 17,641 12,647 13,741 31,459 

Other financial information:

Other money receipts ................................... 577 592 669 354 812 

Mortgage principal paid on owned property -3,011 -3,070 -3,000 -2,552 -3,669 

Estimated market value of owned home ...... 208,085 234,672 170,779 154,847 303,031 

Estimated monthly rental value of owned

home .......................................................... 992 1,103 910 884 1,142 

Gifts of goods and services ............................ 1,834 2,209 2,032 1,577 1,711 

Food ............................................................. 207 328 193 159 193 

Alcoholic beverages ..................................... 14 14 23 8 13 

Housing ........................................................ 351 327 391 331 361 

Housekeeping supplies .............................. 37 30 35 32 56 

Household textiles ...................................... 16 19 17 20 7 

Appliances and miscellaneous

housewares .............................................. 31 28 33 29 34 

Major appliances ...................................... 12 9 16 10 12 

Small appliances and miscellaneous

housewares ............................................ 19 19 17 19 22 

Miscellaneous household equipment ......... 75 77 117 55 63 

Other housing ............................................ 191 173 189 195 202 

Apparel and services ................................... 259 292 241 260 246 

Males, 2 and over ...................................... 62 58 67 64 57 

Females, 2 and over .................................. 107 132 87 109 103 

Children under 2 ........................................ 45 48 42 45 47 

Other apparel products and services ......... 45 55 45 42 39 

Jewelry and watches ................................ 21 16 30 19 19 

All other apparel products and services ... 24 39 15 23 21 

Transportation .............................................. 85 121 58 71 104 

Health care ................................................... 45 31 71 37 44 

Entertainment ............................................... 93 77 102 99 91 

Toys, games, arts and crafts, and tricycles 28 31 28 29 24 

Other entertainment ................................... 65 47 74 70 68 

Personal care products and services ........... 20 11 25 22 19 

Reading ........................................................ 1 1 1 1 1 

Education ..................................................... 639 913 752 497 510 

All other gifts ................................................ 120 93 173 94 131 

1 Value less than 0.05. 2 Value less than or equal to 0.5.3 Data are likely to have large sampling errors.

n.a. Not applicable.