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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2007-2008

Item Total

55-64 Northeast Midwest South West

Number of consumer units (in thousands) ....... 19,644 3,921 4,475 6,982 4,266 

Consumer unit characteristics: 

Income before taxes ..................................... $71,353 $78,317 $71,219 $62,400 $79,748 

Income after taxes ........................................ 68,492 74,900 68,692 59,911 76,436 

Age of reference person ................................ 59.3 59.2 59.2 59.3 59.4 

Average number in consumer unit:

Persons ........................................................ 2.1 2.1 2.0 2.2 2.1 

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

Persons 65 and older ................................... .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 1.4 1.4 1.3 1.4 

Vehicles ....................................................... 2.2 1.9 2.4 2.2 2.3 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 46 51 47 54 

Female ......................................................... 51 54 49 53 46 

Housing tenure:

Homeowner .................................................. 81 78 84 83 78 

With mortgage ............................................ 46 45 45 46 51 

Without mortgage ....................................... 35 34 39 37 27 

Renter .......................................................... 19 22 16 17 22 

Race of reference person:

Black or African-American ........................... 11 10 8 18 4 

White, Asian, and all other races ................. 89 90 92 82 96 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 8 6 2 10 12 

Not Hispanic or Latino .................................. 92 94 98 90 88 

Education of reference person:

Elementary (1-8) .......................................... 4 3 3 6 3 

High school (9-12) ........................................ 33 36 33 36 23 

College ......................................................... 63 61 64 58 73 

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

At least one vehicle owned or leased ............ 92 85 95 93 94 

Average annual expenditures .......................... $54,287 $56,466 $53,585 $49,083 $61,577 

Food ............................................................... 6,300 6,671 5,918 5,927 6,992 

Food at home ............................................... 3,586 3,637 3,368 3,456 3,993 

Cereals and bakery products ..................... 474 537 440 446 502 

Cereals and cereal products .................... 141 160 129 127 157 

Bakery products ....................................... 334 377 310 318 344 

Meats, poultry, fish, and eggs .................... 803 841 668 859 808 

Beef .......................................................... 222 214 175 254 223 

Pork .......................................................... 157 155 145 175 138 

Other meats ............................................. 105 126 99 107 86 

Poultry ...................................................... 143 155 114 147 157 

Fish and seafood ..................................... 128 145 95 128 147 

Eggs ......................................................... 48 46 40 49 57 

Dairy products ............................................ 402 410 385 384 444 

Fresh milk and cream .............................. 148 141 131 156 157 

Other dairy products ................................ 255 270 254 228 287 

Fruits and vegetables ................................. 662 666 615 603 811 

Fresh fruits ............................................... 224 216 216 203 279 

Fresh vegetables ..................................... 221 238 180 194 296 

Processed fruits ....................................... 112 117 117 99 124 

Processed vegetables .............................. 105 95 102 107 111 

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,

2007-2008 — Continued

Item Total

55-64 Northeast Midwest South West

Other food at home .................................... $1,246 $1,183 $1,260 $1,165 $1,429 

Sugar and other sweets ........................... 127 113 136 123 137 

Fats and oils ............................................. 101 105 94 101 104 

Miscellaneous foods ................................ 618 593 649 566 701 

Nonalcoholic beverages ........................... 331 296 319 329 381 

Food prepared by consumer unit on

out-of-town trips ..................................... 68 76 62 45 106 

Food away from home ................................. 2,714 3,034 2,550 2,471 2,998 

Alcoholic beverages ....................................... 529 577 444 450 708 

Housing .......................................................... 17,417 19,121 16,273 15,196 20,701 

Shelter .......................................................... 9,944 11,614 9,260 8,029 12,263 

Owned dwellings ........................................ 7,226 8,328 6,966 6,106 8,321 

Mortgage interest and charges ................ 3,518 3,421 2,800 3,261 4,782 

Property taxes .......................................... 2,206 3,451 2,529 1,528 1,833 

Maintenance, repairs, insurance, other

expenses ................................................ 1,502 1,457 1,637 1,317 1,706 

Rented dwellings ........................................ 1,574 1,802 1,095 1,181 2,509 

Other lodging ............................................. 1,144 1,483 1,199 742 1,433 

Utilities, fuels, and public services ............... 3,865 4,340 3,766 3,800 3,637 

Natural gas ................................................. 580 779 864 339 494 

Electricity .................................................... 1,433 1,377 1,222 1,713 1,246 

Fuel oil and other fuels ............................... 213 591 156 110 92 

Telephone services .................................... 1,142 1,186 1,099 1,156 1,122 

Water and other public services ................. 498 407 425 482 684 

Household operations .................................. 870 836 848 755 1,110 

Personal services ....................................... 114 62 225 111 51 

Other household expenses ........................ 755 774 623 644 1,059 

Housekeeping supplies ................................ 821 696 664 724 1,272 

Laundry and cleaning supplies .................. 143 138 126 162 135 

Other household products .......................... 484 391 386 370 874 

Postage and stationery .............................. 193 166 152 192 263 

Household furnishings and equipment ......... 1,918 1,636 1,735 1,888 2,417 

Household textiles ...................................... 164 135 139 143 254 

Furniture ..................................................... 424 424 347 426 501 

Floor coverings .......................................... 55 57 88 37 46 

Major appliances ........................................ 265 217 265 245 340 

Small appliances, miscellaneous

housewares .............................................. 127 132 100 107 187 

Miscellaneous household equipment ......... 884 672 797 930 1,090 

Apparel and services ..................................... 1,752 1,872 1,636 1,718 1,821 

Men and boys .............................................. 396 386 326 413 448 

Men, 16 and over ....................................... 360 348 291 370 427 

Boys, 2 to 15 .............................................. 36 38 35 44 21 

Women and girls .......................................... 731 813 729 707 698 

Women, 16 and over .................................. 668 761 679 624 644 

Girls, 2 to 15 ............................................... 63 52 50 83 53 

Children under 2 .......................................... 50 67 45 49 42 

Footwear ...................................................... 296 323 300 274 305 

Other apparel products and services ........... 279 284 235 274 328 

Transportation ................................................ 9,491 9,358 9,868 9,098 9,841 

Vehicle purchases (net outlay) ..................... 3,172 2,484 3,634 3,163 3,335 

Cars and trucks, new ................................. 1,636 1,493 1,683 1,608 1,762 

Cars and trucks, used ................................ 1,416 898 1,774 1,476 1,420 

Other vehicles ............................................ 121 293 178 280 2153 

Gasoline and motor oil ................................. 2,662 2,374 2,801 2,767 2,610 

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,

2007-2008 — Continued

Item Total

55-64 Northeast Midwest South West

Other vehicle expenses ............................... $2,957 $3,513 $2,827 $2,742 $2,913 

Vehicle finance charges ............................. 316 266 282 369 314 

Maintenance and repairs ........................... 870 918 823 757 1,058 

Vehicle insurance ....................................... 1,219 1,417 1,059 1,329 1,006 

Vehicle rental, leases, licenses, and other

charges .................................................... 551 913 663 287 535 

Public transportation .................................... 700 987 607 425 982 

Healthcare ...................................................... 3,652 3,431 3,721 3,459 4,101 

Health insurance .......................................... 1,849 1,841 1,871 1,778 1,948 

Medical services .......................................... 953 826 999 808 1,260 

Drugs ........................................................... 694 597 675 741 728 

Medical supplies .......................................... 156 166 177 131 165 

Entertainment ................................................. 2,885 2,609 3,122 2,549 3,458 

Fees and admissions ................................... 644 700 611 538 798 

Audio and visual equipment and services .... 1,040 1,009 1,049 1,009 1,110 

Pets, toys, hobbies, and playground

equipment .................................................. 691 581 693 611 935 

Other entertainment supplies, equipment,

and services ............................................... 510 320 769 390 616 

Personal care products and services ............. 631 695 573 584 710 

Reading .......................................................... 154 185 154 120 179 

Education ....................................................... 898 1,454 941 606 820 

Tobacco products and smoking supplies ....... 353 385 365 377 274 

Miscellaneous ................................................ 1,201 1,150 1,009 1,075 1,652 

Cash contributions ......................................... 2,452 1,744 2,908 2,202 3,033 

Personal insurance and pensions .................. 6,572 7,212 6,653 5,723 7,288 

Life and other personal insurance ................ 491 505 488 507 454 

Pensions and Social Security ...................... 6,081 6,707 6,165 5,216 6,834 

Sources of income and personal taxes: 

Money income before taxes ........................... 71,353 78,317 71,219 62,400 79,748 

Wages and salaries ..................................... 54,140 63,685 53,858 46,587 58,021 

Self-employment income ............................. 4,861 4,488 5,745 3,346 6,755 

Social Security, private and government

retirement ................................................... 8,663 6,681 7,898 9,704 9,583 

Interest, dividends, rental income, other

property income ......................................... 2,468 2,403 2,586 1,620 3,794 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 376 256 637 250 421 

Public assistance, supplemental security

income, food stamps .................................. 390 432 284 345 534 

Regular contributions for support ................. 324 202 94 446 479 

Other income ............................................... 131 169 117 101 160 

Personal taxes ............................................... 2,861 3,417 2,527 2,489 3,312 

Federal income taxes ................................... 2,351 2,537 1,942 2,238 2,794 

2008 Tax stimulus (new UCC Q20082) ....... -384 -370 -409 -373 -387 

State and local income taxes ....................... 601 809 635 419 673 

Other taxes .................................................. 293 441 359 205 232 

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,

2007-2008 — Continued

Item Total

55-64 Northeast Midwest South West

Income after taxes ......................................... 68,492 74,900 68,692 59,911 76,436 

Addenda:

Net change in total assets and liabilities ........ - $2,964 - $5,809 - $3,971 $3 - $4,149 

Net change in total assets ............................ 5,115 2,972 5,491 4,650 7,451 

Net change in total liabilities ........................ 8,079 8,781 9,462 4,648 11,600 

Other financial information:

Other money receipts ................................... 1,263 926 1,405 1,437 1,141 

Mortgage principal paid on owned property -2,913 -2,933 -3,074 -2,591 -3,253 

Estimated market value of owned home ...... 226,588 256,991 179,607 180,491 323,379 

Estimated monthly rental value of owned

home .......................................................... 1,094 1,228 976 1,007 1,235 

Gifts of goods and services ............................ 1,849 2,238 1,906 1,458 2,070 

Food ............................................................. 175 248 206 134 146 

Alcoholic beverages ..................................... 17 17 14 21 14 

Housing ........................................................ 317 334 332 277 350 

Housekeeping supplies .............................. 38 39 41 31 46 

Household textiles ...................................... 20 40 15 17 12 

Appliances and miscellaneous

housewares .............................................. 33 30 21 34 48 

Major appliances ...................................... 17 212 7 16 35 

Small appliances and miscellaneous

housewares ............................................ 16 218 14 18 13 

Miscellaneous household equipment ......... 54 54 53 45 70 

Other housing ............................................ 172 172 203 151 175 

Apparel and services ................................... 284 264 244 330 266 

Males, 2 and over ...................................... 73 56 62 97 57 

Females, 2 and over .................................. 113 116 81 129 115 

Children under 2 ........................................ 44 56 41 42 41 

Other apparel products and services ......... 55 36 60 62 52 

Jewelry and watches ................................ 17 7 19 15 28 

All other apparel products and services ... 38 29 41 47 24 

Transportation .............................................. 162 182 149 74 302 

Healthcare .................................................... 34 210 36 20 79 

Entertainment ............................................... 139 88 134 117 230 

Toys, games, arts and crafts, and tricycles 39 31 37 36 255 

Other entertainment ................................... 99 57 96 80 175 

Personal care products and services ........... 15 27 8 12 14 

Reading ........................................................ 1 3 1 1 2 

Education ..................................................... 564 943 624 364 479 

All other gifts ................................................ 140 122 158 109 189 

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