Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021

Item Total 

35-44 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 22,614 3,974 4,606 8,619 5,415 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $106,176 $122,654 $103,479 $96,363 $111,995 

 Income after taxes ...................................................................................... 95,339 106,591 93,605 88,476 99,482 

 Age of reference person ............................................................................. 39.4 39.3 39.5 39.4 39.3 

 Average number in consumer unit: 

 People ..................................................................................................... 3.3 3.2 3.3 3.3 3.5 

 Children under 18 .................................................................................... 1.4 1.3 1.4 1.4 1.5 

 Adults 65 and older ................................................................................. ( 2 ) ( 2 ) ( 2 ) ( 2 ) .1 

 Earners .................................................................................................... 1.6 1.6 1.7 1.5 1.6 

 Vehicles ................................................................................................... 1.9 1.7 2.1 1.8 2.1 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 49 53 50 46 50 

 Women .................................................................................................... 51 47 50 54 50 

 Housing tenure: 

 Homeowner ............................................................................................. 61 59 70 63 52 

 With mortgage ...................................................................................... 51 52 58 52 44 

 Without mortgage ................................................................................. 10 7 13 11 8 

 Renter ...................................................................................................... 39 41 30 37 48 

 Race of reference person: 

 Black or African-American ....................................................................... 15 16 13 21 6 

 White, Asian, and all other races, not including Black or 

 African-American .................................................................................. 85 84 87 79 94 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 19 20 8 19 28 

 Not Hispanic or Latino ............................................................................. 81 80 92 81 72 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 24 25 21 25 22 

 College .................................................................................................... 74 72 76 73 75 

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

 At least one vehicle owned or leased ......................................................... 92 84 93 93 94 

Average annual expenditures ........................................................................ $77,019 $88,912 $75,884 $69,067 $81,653 

 Food ............................................................................................................ 9,573 10,891 9,147 8,790 10,107 

 Food at home .......................................................................................... 6,198 7,298 5,893 5,567 6,562 

 Cereals and bakery products ............................................................... 831 999 814 725 875 

 Cereals and cereal products ............................................................. 279 315 276 246 301 

 Bakery products ................................................................................ 552 684 538 479 574 

 Meats, poultry, fish, and eggs .............................................................. 1,290 1,534 1,143 1,208 1,356 

 Beef ................................................................................................... 357 402 337 352 349 

 Pork ................................................................................................... 247 274 202 231 288 

 Other meats ...................................................................................... 177 242 175 150 169 

 Poultry ............................................................................................... 235 282 209 217 250 

 Fish and seafood .............................................................................. 192 236 148 186 205 

 Eggs .................................................................................................. 82 98 70 73 95 

 Dairy products ...................................................................................... 580 708 562 501 614 

 Fresh milk and cream ....................................................................... 189 228 177 170 200 

 Other dairy products ......................................................................... 390 480 385 331 415 

 Fruits and vegetables ........................................................................... 1,205 1,558 1,070 1,018 1,332 

 Fresh fruits ........................................................................................ 437 559 400 342 514 

 Fresh vegetables .............................................................................. 369 482 321 306 418 

 Processed fruits ................................................................................ 160 202 130 154 166 

 Processed vegetables ...................................................................... 239 315 219 216 234 

 Other food at home .............................................................................. 2,291 2,499 2,304 2,115 2,384 

 Sugar and other sweets .................................................................... 212 268 221 184 204 

 Fats and oils ...................................................................................... 152 192 130 138 161 

 Miscellaneous foods ......................................................................... 1,256 1,294 1,310 1,127 1,365 

 Nonalcoholic beverages ................................................................... 595 673 541 606 571 

See footnotes at end of table. 
Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021 — Continued 

Item Total 

35-44 Northeast Midwest South West 

 Food prepared by consumer unit on out of town trips ...................... 77 72 101 61 83 

 Food away from home............................................................................. 3,376 3,594 3,254 3,223 3,545 

 Alcoholic beverages ................................................................................... 574 657 523 511 646 

 Housing ....................................................................................................... 26,398 32,828 23,185 23,314 29,261 

 Shelter ..................................................................................................... 15,349 18,742 12,868 13,284 18,258 

 Owned dwellings .................................................................................. 8,887 10,880 8,595 8,138 8,865 

 Mortgage interest and charges ......................................................... 4,334 4,809 3,827 4,102 4,785 

 Property taxes ................................................................................... 2,514 4,000 2,689 1,935 2,198 

 Maintenance, repairs, insurance, and other expenses .................... 2,039 2,071 2,079 2,102 1,881 

 Rented dwellings .................................................................................. 5,622 6,704 3,276 4,487 8,631 

 Other lodging ........................................................................................ 840 1,157 997 659 762 

 Utilities, fuels, and public services .......................................................... 4,543 4,877 4,452 4,581 4,313 

 Natural gas ........................................................................................... 463 712 728 251 392 

 Electricity .............................................................................................. 1,636 1,647 1,470 1,860 1,413 

 Fuel oil and other fuels ......................................................................... 84 274 67 36 37 

 Telephone services .............................................................................. 1,621 1,685 1,513 1,663 1,599 

 Residential phone service, VOIP, and phone cards ......................... 97 186 81 96 49 

 Cellular phone service ...................................................................... 1,523 1,499 1,432 1,567 1,551 

 Water and other public services .......................................................... 738 559 675 771 871 

 Household operations ............................................................................. 2,304 2,832 2,020 2,160 2,389 

 Personal services ................................................................................. 1,043 1,476 949 886 1,058 

 Other household expenses .................................................................. 1,260 1,356 1,072 1,274 1,332 

 Housekeeping supplies ........................................................................... 811 898 759 699 946 

 Laundry and cleaning supplies ............................................................ 192 183 211 164 221 

 Other household products .................................................................... 513 584 444 445 616 

 Postage and stationery ........................................................................ 106 132 104 91 109 

 Household furnishings and equipment .................................................... 3,391 5,479 3,086 2,590 3,354 

 Household textiles ................................................................................ 133 101 194 105 144 

 Furniture ............................................................................................... 813 775 938 722 878 

 Floor coverings ..................................................................................... 43 94 29 28 41 

 Major appliances .................................................................................. 457 551 438 469 385 

 Small appliances and miscellaneous housewares .............................. 154 167 158 120 195 

 Miscellaneous household equipment ................................................... 1,791 3,791 1,330 1,147 1,712 

 Apparel and services .................................................................................. 2,146 2,556 2,379 1,849 2,090 

 Men and boys .......................................................................................... 551 763 672 426 477 

 Men, 16 and over ................................................................................. 330 487 424 197 329 

 Boys, 2 to 15 ........................................................................................ 220 277 248 229 148 

 Women and girls ..................................................................................... 815 901 809 756 841 

 Women, 16 and over ............................................................................ 593 741 514 529 642 

 Girls, 2 to 15 ......................................................................................... 222 159 295 227 200 

 Children under 2 ...................................................................................... 111 3100 174 113 64 

 Footwear .................................................................................................. 431 478 464 380 439 

 Other apparel products and services ...................................................... 238 314 259 173 269 

 Transportation ............................................................................................ 13,471 12,828 13,915 12,746 14,717 

 Vehicle purchases (net outlay) ................................................................ 6,791 5,974 7,134 6,572 7,448 

 Cars and trucks, new ........................................................................... 3,167 2,841 3,201 2,762 4,022 

 Cars and trucks, used .......................................................................... 3,547 3,133 3,874 3,727 3,288 

 Other vehicles ...................................................................................... 77 ( 4 ) 359 383 138 

 Gasoline, other fuels, and motor oil ........................................................ 2,244 1,962 2,268 2,222 2,465 

 Other vehicle expenses ........................................................................... 3,998 4,334 4,055 3,662 4,236 

 Vehicle finance charges ....................................................................... 360 314 384 377 346 

 Maintenance and repairs ..................................................................... 1,041 928 1,147 984 1,125 

 Vehicle rental, leases, licenses, and other charges ............................ 917 1,510 997 554 990 

 Vehicle insurance ................................................................................. 1,680 1,582 1,527 1,748 1,774 

 Public and other transportation ............................................................... 439 558 458 290 568 

 Healthcare .................................................................................................. 4,864 5,151 5,574 4,649 4,393 

 Health insurance ..................................................................................... 3,213 3,345 3,644 3,248 2,694 

 Medical services ...................................................................................... 1,121 1,356 1,358 868 1,148 

 Drugs ....................................................................................................... 381 298 397 408 386 

 Medical supplies ...................................................................................... 150 152 175 124 165 

 Entertainment ............................................................................................. 3,965 4,451 4,224 3,152 4,632 

 Fees and admissions .............................................................................. 935 1,431 972 652 983 

 Audio and visual equipment and services............................................... 1,091 1,150 1,210 981 1,112 

 Pets, toys, hobbies, and playground equipment ..................................... 1,178 1,108 1,083 986 1,586 

 Pets ...................................................................................................... 894 824 730 744 1,302 

 Toys, hobbies, and playground equipment .......................................... 284 284 353 242 284 

See footnotes at end of table. 
Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021 — Continued 

Item Total 

35-44 Northeast Midwest South West 

 Other entertainment supplies, equipment, and services ........................ 762 762 959 534 951 

 Personal care products and services ......................................................... 804 875 836 727 836 

 Reading ...................................................................................................... 99 129 97 73 119 

 Education .................................................................................................... 1,103 1,530 1,264 1,020 783 

 Tobacco products and smoking supplies ................................................... 374 385 470 356 315 

 Miscellaneous ............................................................................................. 1,102 1,483 955 1,010 1,099 

 Cash contributions ...................................................................................... 2,066 2,584 2,070 1,584 2,451 

 Personal insurance and pensions .............................................................. 10,481 12,564 11,245 9,287 10,204 

 Life and other personal insurance ........................................................... 480 516 539 439 471 

 Pensions and Social Security.................................................................. 10,001 12,048 10,706 8,848 9,734 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $106,176 $122,654 $103,479 $96,363 $111,995 

 Wages and salaries ................................................................................. 94,760 110,246 92,124 86,255 99,172 

 Self-employment income ......................................................................... 7,123 7,287 7,463 6,533 7,654 

 Social Security, private and government retirement ............................... 1,204 1,275 1,084 1,227 1,216 

 Interest, dividends, rental income, and other property income ............... 1,117 1,501 1,023 815 1,396 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 698 838 587 624 807 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,079 1,355 957 723 1,548 

 Other income ........................................................................................... 195 3152 242 186 202 

 Personal taxes (contains some imputed values) ....................................... 10,836 16,063 9,875 7,887 12,513 

 Federal income taxes .............................................................................. 10,164 13,880 8,797 8,414 11,384 

 Stimulus payment (new UCC Q20202)# ................................................. -2,725 -2,490 -2,653 -2,818 -2,811 

 State and local income taxes .................................................................. 3,336 4,605 3,623 2,226 3,926 

 Other taxes .............................................................................................. 62 68 108 64 315 

 Income after taxes ...................................................................................... 95,339 106,591 93,605 88,476 99,482 

Addenda: 

 Net change in total assets and liabilities .................................................... -$954 $2,660 -$4,828 $6,082 -$11,513 

 Net change in total assets ....................................................................... 37,598 45,586 32,977 32,365 43,995 

 Net change in total liabilities .................................................................... 38,552 42,925 37,805 26,283 55,508 

 Other financial information: 

 Other money receipts .............................................................................. 450 3649 434 400 398 

 Mortgage principal paid on owned property ............................................ -3,212 -3,780 -3,627 -2,768 -3,149 

 Estimated market value of owned home ................................................. 230,964 251,308 199,674 194,362 300,910 

 Estimated monthly rental value of owned home ..................................... 1,221 1,345 1,181 1,149 1,280 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 Data are likely to have large sampling errors. 

4

 No data reported. 

# Data collection for this item began in June 2020. Stimulus payments delivered to respondents interviewed in April and May of 2020 were not included in estimation. 

Source: Consumer Expenditure Surveys, U.S. Bureau of Labor Statistics, September, 2022