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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2009-2010

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 25,247 4,815 5,530 9,372 5,530 

Consumer unit characteristics: 

Income before taxes ..................................... $80,288 $97,483 $80,700 $71,646 $79,550 

Income after taxes ........................................ 76,868 93,006 77,592 68,590 76,121 

Age of reference person ................................ 49.5 49.5 49.6 49.5 49.4 

Average number in consumer unit:

Persons ........................................................ 2.8 2.8 2.8 2.7 2.9 

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

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

Earners ........................................................ 1.7 1.8 1.8 1.5 1.7 

Vehicles ....................................................... 2.3 2.0 2.7 2.2 2.5 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 48 50 46 53 

Female ......................................................... 51 52 50 54 47 

Housing tenure:

Homeowner .................................................. 73 72 81 73 68 

With mortgage ............................................ 55 53 62 51 55 

Without mortgage ....................................... 19 19 19 22 13 

Renter .......................................................... 27 28 19 27 32 

Race of reference person:

Black or African-American ........................... 13 12 8 20 6 

White, Asian, and all other races ................. 87 88 92 80 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 12 9 4 13 20 

Not Hispanic or Latino .................................. 88 91 96 87 80 

Education of reference person:

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

High school (9-12) ........................................ 35 37 37 38 28 

College ......................................................... 61 61 60 58 67 

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

At least one vehicle owned or leased ............ 92 86 93 92 95 

Average annual expenditures .......................... $58,243 $67,134 $58,556 $51,282 $61,954 

Food ............................................................... 7,336 8,274 7,210 6,391 8,229 

Food at home ............................................... 4,357 4,818 4,462 3,786 4,782 

Cereals and bakery products ..................... 593 659 625 513 630 

Cereals and cereal products .................... 194 215 208 157 220 

Bakery products ....................................... 399 445 416 356 409 

Meats, poultry, fish, and eggs .................... 972 1,094 903 918 1,027 

Beef .......................................................... 263 274 253 247 294 

Pork .......................................................... 189 200 186 188 183 

Other meats ............................................. 138 161 147 121 138 

Poultry ...................................................... 175 200 148 177 180 

Fish and seafood ..................................... 155 203 126 138 170 

Eggs ......................................................... 51 57 43 47 62 

Dairy products ............................................ 459 516 487 392 487 

Fresh milk and cream .............................. 160 172 156 147 176 

Other dairy products ................................ 299 344 332 246 311 

Fruits and vegetables ................................. 785 910 784 639 919 

Fresh fruits ............................................... 262 303 266 207 313 

Fresh vegetables ..................................... 249 294 237 201 302 

Processed fruits ....................................... 135 167 132 104 161 

Processed vegetables .............................. 139 147 149 127 143 

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,

2009-2010 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,548 $1,638 $1,662 $1,324 $1,720 

Sugar and other sweets ........................... 166 177 191 140 172 

Fats and oils ............................................. 121 140 132 101 122 

Miscellaneous foods ................................ 794 820 867 668 905 

Nonalcoholic beverages ........................... 412 436 415 372 454 

Food prepared by consumer unit on

out-of-town trips ..................................... 55 65 56 42 66 

Food away from home ................................. 2,979 3,456 2,748 2,605 3,447 

Alcoholic beverages ....................................... 457 497 455 394 532 

Housing .......................................................... 18,951 22,790 17,752 16,464 21,025 

Shelter .......................................................... 11,436 14,239 10,548 9,137 13,779 

Owned dwellings ........................................ 8,128 10,006 8,098 6,371 9,499 

Mortgage interest and charges ................ 4,672 4,833 4,109 3,855 6,481 

Property taxes .......................................... 2,295 3,758 2,571 1,536 2,034 

Maintenance, repairs, insurance, other

expenses ................................................ 1,160 1,415 1,419 980 984 

Rented dwellings ........................................ 2,430 3,069 1,494 2,006 3,530 

Other lodging ............................................. 878 1,164 956 760 750 

Utilities, fuels, and public services ............... 4,245 4,875 4,103 4,277 3,782 

Natural gas ................................................. 529 766 760 311 462 

Electricity .................................................... 1,587 1,551 1,334 1,935 1,282 

Fuel oil and other fuels ............................... 165 512 135 63 64 

Telephone services .................................... 1,413 1,579 1,388 1,409 1,300 

Water and other public services ................. 551 468 486 559 673 

Household operations .................................. 950 1,203 821 855 1,019 

Personal services ....................................... 223 404 158 140 270 

Other household expenses ........................ 727 799 663 715 749 

Housekeeping supplies ................................ 676 745 723 596 695 

Laundry and cleaning supplies .................. 168 171 163 162 182 

Other household products .......................... 362 422 398 310 351 

Postage and stationery .............................. 146 152 161 123 161 

Household furnishings and equipment ......... 1,645 1,727 1,558 1,600 1,750 

Household textiles ...................................... 122 147 122 92 149 

Furniture ..................................................... 350 358 345 388 284 

Floor coverings .......................................... 38 36 35 45 30 

Major appliances ........................................ 210 201 196 208 234 

Small appliances, miscellaneous

housewares .............................................. 107 120 121 83 121 

Miscellaneous household equipment ......... 818 865 739 784 933 

Apparel and services ..................................... 1,927 2,147 1,903 1,877 1,838 

Men and boys .............................................. 456 554 444 418 445 

Men, 16 and over ....................................... 375 448 366 349 360 

Boys, 2 to 15 .............................................. 81 106 77 68 84 

Women and girls .......................................... 806 817 840 819 737 

Women, 16 and over .................................. 688 706 705 701 632 

Girls, 2 to 15 ............................................... 118 110 135 118 104 

Children under 2 .......................................... 54 57 51 51 61 

Footwear ...................................................... 356 377 332 344 381 

Other apparel products and services ........... 255 342 236 245 215 

Transportation ................................................ 9,330 10,091 9,564 8,618 9,617 

Vehicle purchases (net outlay) ..................... 3,138 3,089 3,332 3,105 3,041 

Cars and trucks, new ................................. 1,550 1,685 1,368 1,671 1,408 

Cars and trucks, used ................................ 1,527 1,319 1,914 1,374 1,581 

Other vehicles ............................................ 61 86 350 360 352 

Gasoline and motor oil ................................. 2,486 2,359 2,508 2,502 2,545 

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,

2009-2010 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $3,110 $3,818 $3,159 $2,582 $3,314 

Vehicle finance charges ............................. 316 259 313 365 284 

Maintenance and repairs ........................... 937 1,128 948 750 1,075 

Vehicle insurance ....................................... 1,332 1,592 1,374 1,113 1,412 

Vehicle rental, leases, licenses, and other

charges .................................................... 525 839 525 353 543 

Public transportation .................................... 597 824 564 429 717 

Healthcare ...................................................... 3,217 3,125 3,450 3,143 3,190 

Health insurance .......................................... 1,717 1,869 1,771 1,710 1,544 

Medical services .......................................... 870 678 985 811 1,022 

Drugs ........................................................... 491 452 528 497 483 

Medical supplies .......................................... 138 126 167 125 141 

Entertainment ................................................. 3,130 3,535 3,468 2,627 3,306 

Fees and admissions ................................... 795 1,038 845 574 907 

Audio and visual equipment and services .... 1,045 1,121 1,077 1,039 954 

Pets, toys, hobbies, and playground

equipment .................................................. 794 770 729 722 1,015 

Other entertainment supplies, equipment,

and services ............................................... 496 606 817 292 429 

Personal care products and services ............. 670 730 648 618 729 

Reading .......................................................... 112 140 126 87 116 

Education ....................................................... 2,074 3,599 2,077 1,418 1,857 

Tobacco products and smoking supplies ....... 481 522 492 524 364 

Miscellaneous ................................................ 994 991 933 900 1,213 

Cash contributions ......................................... 1,902 1,645 2,305 1,680 2,100 

Personal insurance and pensions .................. 7,661 9,050 8,172 6,541 7,838 

Life and other personal insurance ................ 434 554 593 366 287 

Pensions and Social Security ...................... 7,227 8,496 7,579 6,176 7,551 

Sources of income and personal taxes: 

Money income before taxes ........................... 80,288 97,483 80,700 71,646 79,550 

Wages and salaries ..................................... 71,377 87,389 71,220 63,731 70,550 

Self-employment income ............................. 3,710 4,055 4,481 2,809 4,164 

Social Security, private and government

retirement ................................................... 2,255 1,995 2,190 2,772 1,670 

Interest, dividends, rental income, other

property income ......................................... 1,054 1,448 1,076 821 1,086 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 783 1,088 809 472 1,019 

Public assistance, supplemental security

income, food stamps .................................. 506 527 580 513 404 

Regular contributions for support ................. 372 566 201 321 462 

Other income ............................................... 230 414 143 208 195 

Personal taxes ............................................... 3,420 4,477 3,107 3,056 3,429 

Federal income taxes ................................... 2,410 3,041 2,145 2,256 2,387 

2008 Tax stimulus (thru Q20091) ................ 3-1 3-1 3-1 3-2 2 ( )

State and local income taxes ....................... 805 1,213 820 585 806 

Other taxes .................................................. 206 224 143 216 236 

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,

2009-2010 — Continued

Item Total

45-54 Northeast Midwest South West

Income after taxes ......................................... 76,868 93,006 77,592 68,590 76,121 

Addenda:

Net change in total assets and liabilities ........ - $7,308 - $333 - $6,736 - $3,936 - $19,668 

Net change in total assets ............................ 4,424 6,118 6,253 4,787 504 

Net change in total liabilities ........................ 11,732 6,451 12,988 8,723 20,172 

Other financial information:

Other money receipts ................................... 582 456 461 583 812 

Mortgage principal paid on owned property -3,131 -3,681 -3,350 -2,390 -3,690 

Estimated market value of owned home ...... 191,157 251,056 161,113 150,292 238,302 

Estimated monthly rental value of owned

home .......................................................... 1,017 1,235 953 889 1,107 

Gifts of goods and services ............................ 1,638 2,225 1,822 1,300 1,513 

Food ............................................................. 153 187 182 108 172 

Alcoholic beverages ..................................... 7 8 11 5 4 

Housing ........................................................ 256 316 262 242 222 

Housekeeping supplies .............................. 30 24 28 27 42 

Household textiles ...................................... 10 14 13 6 8 

Appliances and miscellaneous

housewares .............................................. 21 24 20 17 24 

Major appliances ...................................... 6 5 7 5 6 

Small appliances and miscellaneous

housewares ............................................ 15 19 14 12 18 

Miscellaneous household equipment ......... 48 53 48 47 43 

Other housing ............................................ 148 200 152 144 105 

Apparel and services ................................... 256 296 216 301 187 

Males, 2 and over ...................................... 54 77 48 50 47 

Females, 2 and over .................................. 105 113 73 149 61 

Children under 2 ........................................ 44 49 47 42 41 

Other apparel products and services ......... 52 57 48 60 37 

Jewelry and watches ................................ 15 17 16 13 18 

All other apparel products and services ... 36 40 32 47 19 

Transportation .............................................. 122 137 105 91 182 

Health care ................................................... 33 20 48 35 27 

Entertainment ............................................... 90 133 105 70 68 

Toys, games, arts and crafts, and tricycles 27 55 321 19 320 

Other entertainment ................................... 64 78 84 52 48 

Personal care products and services ........... 14 21 11 13 10 

Reading ........................................................ 1 31 2 2 ( ) 2 ( )

Education ..................................................... 618 1,023 787 380 498 

All other gifts ................................................ 88 85 93 55 142 

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, September, 2011