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

and characteristics, Consumer Expenditure Surveys, 2019-2020

Item Total 

45-54 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 22,444 4,142 4,528 8,783 4,991 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $111,677 $121,557 $100,593 $108,356 $119,377 

 Income after taxes ...................................................................................... 95,828 102,333 88,072 93,203 102,084 

 Age of reference person ............................................................................. 49.7 49.8 49.8 49.6 49.5 

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 2.9 2.9 2.8 3.0 

 Children under 18 .................................................................................... .7 .8 .7 .6 .8 

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

 Earners .................................................................................................... 1.8 1.8 1.9 1.7 1.8 

 Vehicles ................................................................................................... 2.2 1.9 2.6 2.2 2.3 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 47 46 49 45 50 

 Women .................................................................................................... 53 54 51 55 50 

 Housing tenure: 

 Homeowner ............................................................................................. 70 65 76 72 65 

 With mortgage ...................................................................................... 53 51 57 53 53 

 Without mortgage ................................................................................. 17 14 19 19 13 

 Renter ...................................................................................................... 30 35 24 28 35 

 Race of reference person: 

 Black or African-American ....................................................................... 14 15 12 20 5 

 White, Asian, and all other races ............................................................ 86 85 88 80 95 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 16 14 8 16 28 

 Not Hispanic or Latino ............................................................................. 84 86 92 84 72 

 Education of reference person: 

 Elementary (1-8)...................................................................................... 3 2 2 2 5 

 High school (9-12) ................................................................................... 26 27 26 26 27 

 College .................................................................................................... 71 71 72 72 68 

 Never attended and other ....................................................................... ( 2 ) ( 3 ) ( 2 ) ( 2 ) 1 

 At least one vehicle owned or leased ......................................................... 92 86 94 93 93 

Average annual expenditures ........................................................................ $76,075 $82,114 $73,050 $71,810 $81,416 

 Food ............................................................................................................ 9,431 9,981 9,651 8,464 10,535 

 Food at home .......................................................................................... 5,720 6,383 5,998 4,985 6,263 

 Cereals and bakery products ............................................................... 723 920 715 630 742 

 Cereals and cereal products ............................................................. 236 279 239 207 252 

 Bakery products ................................................................................ 487 641 476 423 490 

 Meats, poultry, fish, and eggs .............................................................. 1,236 1,389 1,283 1,090 1,332 

 Beef ................................................................................................... 335 324 370 309 358 

 Pork ................................................................................................... 242 233 283 222 248 

 Other meats ...................................................................................... 162 209 184 134 156 

 Poultry ............................................................................................... 238 314 226 195 264 

 Fish and seafood .............................................................................. 187 239 160 170 198 

 Eggs .................................................................................................. 72 70 60 60 107 

 Dairy products ...................................................................................... 550 626 608 446 625 

 Fresh milk and cream ....................................................................... 170 191 188 134 204 

 Other dairy products ......................................................................... 380 435 420 312 421 

 Fruits and vegetables ........................................................................... 1,093 1,253 1,060 959 1,235 

 Fresh fruits ........................................................................................ 400 468 395 334 471 

 Fresh vegetables .............................................................................. 356 393 336 303 440 

 Processed fruits ................................................................................ 133 163 135 114 140 

 Processed vegetables ...................................................................... 204 229 194 209 184 

 Other food at home .............................................................................. 2,118 2,195 2,332 1,860 2,329 

 Sugar and other sweets .................................................................... 195 235 212 168 197 

 Fats and oils ...................................................................................... 155 159 159 151 158 

 Miscellaneous foods ......................................................................... 1,145 1,156 1,316 956 1,322 

 Nonalcoholic beverages ................................................................... 554 561 574 533 566 

 Food prepared by consumer unit on out-of-town trips ..................... 69 84 72 51 85 

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 Surveys, 2019-2020 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Food away from home............................................................................. 3,711 3,598 3,653 3,479 4,273 

 Alcoholic beverages ................................................................................... 635 679 638 523 797 

 Housing ....................................................................................................... 24,154 27,310 21,109 22,242 27,670 

 Shelter ..................................................................................................... 14,350 17,120 11,392 12,810 17,447 

 Owned dwellings .................................................................................. 9,350 10,394 8,109 8,588 10,949 

 Mortgage interest and charges ......................................................... 4,383 4,205 3,403 4,169 5,798 

 Property taxes ................................................................................... 2,805 4,245 2,869 2,047 2,885 

 Maintenance, repairs, insurance, other expenses ........................... 2,162 1,945 1,837 2,372 2,266 

 Rented dwellings .................................................................................. 3,946 5,224 2,306 3,195 5,694 

 Other lodging ........................................................................................ 1,055 1,502 978 1,026 804 

 Utilities, fuels, and public services .......................................................... 4,899 5,142 4,745 4,941 4,764 

 Natural gas ........................................................................................... 478 734 690 275 432 

 Electricity .............................................................................................. 1,685 1,596 1,521 1,939 1,462 

 Fuel oil and other fuels ......................................................................... 120 387 79 54 50 

 Telephone services .............................................................................. 1,843 1,881 1,723 1,890 1,836 

 Residential phone service, VOIP, and phone cards ......................... 175 267 162 153 150 

 Cellular phone service ...................................................................... 1,667 1,614 1,561 1,737 1,686 

 Water and other public services .......................................................... 773 543 732 784 984 

 Household operations ............................................................................. 1,511 1,606 1,296 1,476 1,686 

 Personal services ................................................................................. 247 351 273 161 286 

 Other household expenses .................................................................. 1,264 1,255 1,024 1,315 1,400 

 Housekeeping supplies ........................................................................... 959 993 1,204 871 872 

 Laundry and cleaning supplies ............................................................ 217 252 249 188 214 

 Other household products .................................................................... 601 584 821 550 508 

 Postage and stationery ........................................................................ 141 157 135 132 150 

 Household furnishings and equipment .................................................... 2,434 2,449 2,472 2,144 2,901 

 Household textiles ................................................................................ 151 247 107 103 199 

 Furniture ............................................................................................... 596 695 577 519 668 

 Floor coverings ..................................................................................... 28 38 20 17 48 

 Major appliances .................................................................................. 360 303 338 337 466 

 Small appliances, miscellaneous housewares .................................... 151 127 175 124 196 

 Miscellaneous household equipment ................................................... 1,148 1,038 1,257 1,044 1,323 

 Apparel and services .................................................................................. 2,134 2,277 2,089 2,022 2,257 

 Men and boys .......................................................................................... 574 539 509 597 617 

 Men, 16 and over ................................................................................. 450 389 384 479 506 

 Boys, 2 to 15 ........................................................................................ 124 150 125 118 111 

 Women and girls ..................................................................................... 839 892 891 731 946 

 Women, 16 and over ............................................................................ 700 693 752 623 800 

 Girls, 2 to 15 ......................................................................................... 139 199 140 108 146 

 Children under 2 ...................................................................................... 44 426 428 64 437 

 Footwear .................................................................................................. 435 447 514 417 388 

 Other apparel products and services ...................................................... 241 374 146 212 270 

 Transportation ............................................................................................ 12,825 12,042 12,608 14,040 11,538 

 Vehicle purchases (net outlay) ................................................................ 5,512 4,561 5,694 6,854 3,774 

 Cars and trucks, new ........................................................................... 2,311 1,983 2,192 2,912 1,630 

 Cars and trucks, used .......................................................................... 3,108 2,577 3,269 3,865 2,069 

 Other vehicles ...................................................................................... 93 ( 3 ) 4232 77 474 

 Gasoline, other fuels, and motor oil ........................................................ 2,330 2,139 2,210 2,294 2,661 

 Other vehicle expenses ........................................................................... 4,380 4,459 4,177 4,469 4,344 

 Vehicle finance charges ....................................................................... 344 270 342 418 277 

 Maintenance and repairs ..................................................................... 1,099 886 1,275 1,095 1,126 

 Vehicle rental, leases, licenses, and other charges ............................ 982 1,435 942 800 962 

 Vehicle insurance ................................................................................. 1,956 1,867 1,619 2,157 1,980 

 Public and other transportation ............................................................... 603 883 527 422 759 

 Healthcare .................................................................................................. 5,405 4,916 6,191 5,271 5,338 

 Health insurance ..................................................................................... 3,702 3,525 4,125 3,812 3,274 

 Medical services ...................................................................................... 1,051 837 1,215 869 1,399 

 Drugs ....................................................................................................... 454 370 578 418 479 

 Medical supplies ...................................................................................... 198 184 273 172 186 

 Entertainment ............................................................................................. 3,520 3,207 4,193 2,941 4,192 

 Fees and admissions .............................................................................. 837 928 805 708 1,015 

 Audio and visual equipment and services............................................... 1,174 1,124 1,240 1,122 1,247 

 Pets, toys, hobbies, and playground equipment ..................................... 896 808 1,030 778 1,057 

 Pets ...................................................................................................... 736 607 872 654 865 

 Toys, hobbies, and playground equipment .......................................... 159 200 158 124 192 

 Other entertainment supplies, equipment, and services ........................ 614 347 1,118 333 873 

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 Surveys, 2019-2020 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Personal care products and services ......................................................... 918 1,028 919 798 1,045 

 Reading ...................................................................................................... 99 92 128 102 75 

 Education .................................................................................................... 2,654 4,908 2,149 1,991 2,410 

 Tobacco products and smoking supplies ................................................... 391 408 463 409 280 

 Miscellaneous ............................................................................................. 1,095 1,410 946 841 1,419 

 Cash contributions ...................................................................................... 2,133 2,157 1,626 2,187 2,477 

 Personal insurance and pensions .............................................................. 10,681 11,701 10,340 9,979 11,381 

 Life and other personal insurance ........................................................... 658 793 632 674 540 

 Pensions and Social Security.................................................................. 10,024 10,908 9,708 9,305 10,841 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $111,677 $121,557 $100,593 $108,356 $119,377 

 Wages and salaries ................................................................................. 97,768 108,405 89,376 94,000 103,186 

 Self-employment income ......................................................................... 8,033 8,496 5,505 8,215 9,623 

 Social Security, private and government retirement ............................... 2,761 1,534 2,886 3,555 2,268 

 Interest, dividends, rental income, other property income ...................... 1,487 1,275 1,460 1,107 2,358 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 493 575 474 407 593 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 822 817 623 854 952 

 Other income ........................................................................................... 312 457 270 218 398 

 Personal taxes (contains some imputed values) ....................................... 15,849 19,224 12,521 15,152 17,293 

 Federal income taxes .............................................................................. 13,205 15,077 10,053 13,512 13,972 

 Stimulus payment (new UCC Q20202)# ................................................. -1,020 -907 -1,070 -1,098 -932 

 State and local income taxes .................................................................. 3,569 4,952 3,449 2,600 4,234 

 Other taxes .............................................................................................. 96 102 90 139 420 

 Income after taxes ...................................................................................... 95,828 102,333 88,072 93,203 102,084 

Addenda: 

 Net change in total assets and liabilities .................................................... $8,464 $6,755 $6,083 $19,286 -$7,001 

 Net change in total assets ....................................................................... 27,755 25,482 20,731 33,587 25,751 

 Net change in total liabilities .................................................................... 19,291 18,727 14,648 14,301 32,752 

 Other financial information: 

 Other money receipts .............................................................................. 584 4250 638 456 1,038 

 Mortgage principal paid on owned property ............................................ -3,521 -3,918 -3,340 -3,142 -4,020 

 Estimated market value of owned home ................................................. 249,858 241,621 187,272 205,736 391,099 

 Estimated monthly rental value of owned home ..................................... 1,326 1,369 1,132 1,237 1,620 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 No data reported. 

4

 Data are likely to have large sampling errors. 

# 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, 2021