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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2007-2008

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 25,430 4,985 5,861 9,308 5,276 

Consumer unit characteristics: 

Income before taxes ..................................... $81,207 $90,415 $80,707 $72,511 $88,402 

Income after taxes ........................................ 77,811 86,626 77,475 70,013 83,615 

Age of reference person ................................ 49.4 49.4 49.5 49.4 49.3 

Average number in consumer unit:

Persons ........................................................ 2.7 2.7 2.7 2.7 2.7 

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

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

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

Vehicles ....................................................... 2.3 2.1 2.6 2.2 2.4 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 47 50 45 50 

Female ......................................................... 52 53 50 55 50 

Housing tenure:

Homeowner .................................................. 75 74 81 75 70 

With mortgage ............................................ 58 58 64 54 57 

Without mortgage ....................................... 18 16 18 21 13 

Renter .......................................................... 25 26 19 25 30 

Race of reference person:

Black or African-American ........................... 13 11 9 21 5 

White, Asian, and all other races ................. 87 89 91 79 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 8 4 12 17 

Not Hispanic or Latino .................................. 89 92 96 88 83 

Education of reference person:

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

High school (9-12) ........................................ 34 34 35 38 28 

College ......................................................... 61 63 63 57 66 

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

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

Average annual expenditures .......................... $59,765 $65,080 $59,590 $53,466 $66,030 

Food ............................................................... 7,441 8,179 7,209 6,985 7,791 

Food at home ............................................... 4,229 4,649 4,189 3,889 4,460 

Cereals and bakery products ..................... 561 637 552 521 571 

Cereals and cereal products .................... 182 210 176 163 195 

Bakery products ....................................... 379 427 376 357 377 

Meats, poultry, fish, and eggs .................... 963 1,113 922 915 950 

Beef .......................................................... 266 287 267 255 266 

Pork .......................................................... 180 181 178 185 171 

Other meats ............................................. 129 158 125 119 122 

Poultry ...................................................... 184 221 168 174 185 

Fish and seafood ..................................... 152 211 135 135 145 

Eggs ......................................................... 52 54 49 47 61 

Dairy products ............................................ 475 519 491 422 504 

Fresh milk and cream .............................. 182 191 179 166 201 

Other dairy products ................................ 293 328 311 256 304 

Fruits and vegetables ................................. 732 810 697 649 837 

Fresh fruits ............................................... 247 283 236 210 289 

Fresh vegetables ..................................... 233 254 212 208 280 

Processed fruits ....................................... 131 156 127 111 148 

Processed vegetables .............................. 120 117 123 120 120 

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,

2007-2008 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,498 $1,570 $1,527 $1,382 $1,597 

Sugar and other sweets ........................... 149 166 157 140 141 

Fats and oils ............................................. 115 119 118 108 121 

Miscellaneous foods ................................ 763 771 802 692 831 

Nonalcoholic beverages ........................... 418 462 398 399 430 

Food prepared by consumer unit on

out-of-town trips ..................................... 54 52 52 43 75 

Food away from home ................................. 3,212 3,531 3,019 3,096 3,330 

Alcoholic beverages ....................................... 502 562 592 408 507 

Housing .......................................................... 19,379 21,983 18,404 16,715 22,701 

Shelter .......................................................... 11,623 13,570 10,743 9,280 14,896 

Owned dwellings ........................................ 8,616 9,929 8,459 6,766 10,814 

Mortgage interest and charges ................ 5,017 5,099 4,677 3,874 7,334 

Property taxes .......................................... 2,182 3,405 2,432 1,484 1,979 

Maintenance, repairs, insurance, other

expenses ................................................ 1,417 1,425 1,349 1,408 1,500 

Rented dwellings ........................................ 2,046 2,404 1,308 1,786 2,985 

Other lodging ............................................. 961 1,237 976 727 1,097 

Utilities, fuels, and public services ............... 4,151 4,733 4,158 4,060 3,753 

Natural gas ................................................. 581 783 887 321 511 

Electricity .................................................... 1,521 1,538 1,316 1,789 1,260 

Fuel oil and other fuels ............................... 203 633 165 69 73 

Telephone services .................................... 1,346 1,385 1,329 1,365 1,293 

Water and other public services ................. 500 394 461 516 615 

Household operations .................................. 916 969 818 786 1,205 

Personal services ....................................... 222 249 229 169 283 

Other household expenses ........................ 694 720 590 616 922 

Housekeeping supplies ................................ 745 707 742 766 746 

Laundry and cleaning supplies .................. 164 153 159 176 157 

Other household products .......................... 402 388 402 443 346 

Postage and stationery .............................. 179 166 181 148 243 

Household furnishings and equipment ......... 1,945 2,005 1,942 1,824 2,102 

Household textiles ...................................... 156 120 124 169 202 

Furniture ..................................................... 438 524 361 455 412 

Floor coverings .......................................... 52 89 67 31 38 

Major appliances ........................................ 256 284 225 233 306 

Small appliances, miscellaneous

housewares .............................................. 123 107 141 119 123 

Miscellaneous household equipment ......... 920 881 1,023 817 1,021 

Apparel and services ..................................... 2,209 2,543 2,070 2,159 2,141 

Men and boys .............................................. 501 541 442 519 498 

Men, 16 and over ....................................... 414 437 343 449 414 

Boys, 2 to 15 .............................................. 87 105 99 70 84 

Women and girls .......................................... 965 1,117 964 904 928 

Women, 16 and over .................................. 822 937 817 801 757 

Girls, 2 to 15 ............................................... 143 181 147 103 171 

Children under 2 .......................................... 55 44 62 49 68 

Footwear ...................................................... 397 466 350 414 359 

Other apparel products and services ........... 292 374 251 274 289 

Transportation ................................................ 10,320 10,919 10,227 9,740 10,890 

Vehicle purchases (net outlay) ..................... 3,288 3,258 3,437 3,019 3,623 

Cars and trucks, new ................................. 1,616 1,661 1,390 1,606 1,843 

Cars and trucks, used ................................ 1,520 1,512 1,682 1,328 1,687 

Other vehicles ............................................ 152 384 366 386 393 

Gasoline and motor oil ................................. 3,074 2,832 3,201 3,198 2,942 

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,

2007-2008 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $3,314 $3,991 $3,051 $3,068 $3,413 

Vehicle finance charges ............................. 351 289 358 392 330 

Maintenance and repairs ........................... 966 1,055 994 804 1,135 

Vehicle insurance ....................................... 1,448 1,859 1,082 1,540 1,317 

Vehicle rental, leases, licenses, and other

charges .................................................... 550 788 617 333 632 

Public transportation .................................... 644 838 539 455 913 

Healthcare ...................................................... 2,861 2,744 3,087 2,764 2,891 

Health insurance .......................................... 1,455 1,491 1,500 1,427 1,422 

Medical services .......................................... 805 723 934 718 895 

Drugs ........................................................... 464 415 485 491 442 

Medical supplies .......................................... 137 116 169 129 133 

Entertainment ................................................. 3,231 3,664 3,323 2,650 3,737 

Fees and admissions ................................... 814 995 850 556 1,054 

Audio and visual equipment and services .... 1,150 1,295 1,096 1,076 1,203 

Pets, toys, hobbies, and playground

equipment .................................................. 749 755 787 715 763 

Other entertainment supplies, equipment,

and services ............................................... 518 618 590 304 716 

Personal care products and services ............. 711 794 684 643 780 

Reading .......................................................... 131 155 145 84 173 

Education ....................................................... 1,851 2,704 1,928 1,500 1,578 

Tobacco products and smoking supplies ....... 413 417 485 404 344 

Miscellaneous ................................................ 982 999 980 794 1,296 

Cash contributions ......................................... 2,062 1,460 2,202 1,894 2,774 

Personal insurance and pensions .................. 7,672 7,957 8,254 6,726 8,427 

Life and other personal insurance ................ 398 403 465 387 339 

Pensions and Social Security ...................... 7,274 7,554 7,789 6,339 8,088 

Sources of income and personal taxes: 

Money income before taxes ........................... 81,207 90,415 80,707 72,511 88,402 

Wages and salaries ..................................... 71,353 81,861 70,542 63,526 76,133 

Self-employment income ............................. 4,592 3,702 5,195 3,366 6,927 

Social Security, private and government

retirement ................................................... 2,388 2,131 1,952 3,014 2,012 

Interest, dividends, rental income, other

property income ......................................... 1,382 987 1,410 1,445 1,615 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 280 374 323 208 269 

Public assistance, supplemental security

income, food stamps .................................. 379 374 339 397 399 

Regular contributions for support ................. 665 777 798 419 844 

Other income ............................................... 167 210 150 136 202 

Personal taxes ............................................... 3,395 3,789 3,232 2,498 4,787 

Federal income taxes ................................... 2,738 2,797 2,517 2,253 3,785 

2008 Tax stimulus (new UCC Q20082) ....... -412 -381 -474 -431 -338 

State and local income taxes ....................... 800 987 882 490 1,081 

Other taxes .................................................. 269 386 307 187 259 

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,

2007-2008 — Continued

Item Total

45-54 Northeast Midwest South West

Income after taxes ......................................... 77,811 86,626 77,475 70,013 83,615 

Addenda:

Net change in total assets and liabilities ........ - $5,014 - $3,916 - $7,555 $23 - $12,118 

Net change in total assets ............................ 7,709 6,156 7,612 6,585 11,266 

Net change in total liabilities ........................ 12,723 10,071 15,166 6,562 23,383 

Other financial information:

Other money receipts ................................... 788 570 814 766 1,005 

Mortgage principal paid on owned property -3,536 -3,677 -3,484 -2,895 -4,591 

Estimated market value of owned home ...... 212,209 249,386 175,056 154,641 319,925 

Estimated monthly rental value of owned

home .......................................................... 1,047 1,216 953 909 1,236 

Gifts of goods and services ............................ 1,943 1,995 2,326 1,758 1,793 

Food ............................................................. 148 121 177 153 131 

Alcoholic beverages ..................................... 14 18 19 12 10 

Housing ........................................................ 390 412 468 338 373 

Housekeeping supplies .............................. 40 24 53 32 55 

Household textiles ...................................... 23 311 18 20 44 

Appliances and miscellaneous

housewares .............................................. 30 36 24 35 21 

Major appliances ...................................... 9 14 9 7 7 

Small appliances and miscellaneous

housewares ............................................ 21 23 15 28 14 

Miscellaneous household equipment ......... 107 98 175 71 104 

Other housing ............................................ 190 243 198 179 150 

Apparel and services ................................... 297 327 344 290 231 

Males, 2 and over ...................................... 67 67 69 76 50 

Females, 2 and over .................................. 129 128 175 128 82 

Children under 2 ........................................ 45 39 50 36 60 

Other apparel products and services ......... 56 93 50 50 39 

Jewelry and watches ................................ 19 31 19 15 16 

All other apparel products and services ... 37 62 31 35 22 

Transportation .............................................. 125 100 138 101 177 

Healthcare .................................................... 31 23 47 28 25 

Entertainment ............................................... 117 128 136 106 106 

Toys, games, arts and crafts, and tricycles 36 36 34 42 29 

Other entertainment ................................... 81 93 101 64 78 

Personal care products and services ........... 19 14 14 21 26 

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

Education ..................................................... 701 760 850 635 597 

All other gifts ................................................ 99 90 130 74 118 

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.