Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2019-2020

Item Total 

65-74 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 20,082 3,774 4,244 7,843 4,222 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $62,958 $68,104 $64,313 $56,276 $69,408 

 Income after taxes ...................................................................................... 57,021 61,460 58,906 51,409 61,584 

 Age of reference person ............................................................................. 69.2 69.1 69.2 69.2 69.2 

 Average number in consumer unit: 

 People ..................................................................................................... 1.9 1.9 1.8 1.9 1.9 

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

 Adults 65 and older ................................................................................. 1.4 1.4 1.4 1.4 1.4 

 Earners .................................................................................................... .7 .7 .7 .6 .7 

 Vehicles ................................................................................................... 1.9 1.6 2.2 1.9 2.1 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 47 46 44 48 48 

 Women .................................................................................................... 53 54 56 52 52 

 Housing tenure: 

 Homeowner ............................................................................................. 79 72 86 80 77 

 With mortgage ...................................................................................... 30 27 34 27 36 

 Without mortgage ................................................................................. 49 45 52 53 41 

 Renter ...................................................................................................... 21 28 14 20 23 

 Race of reference person: 

 Black or African-American ....................................................................... 12 11 8 19 2 

 White, Asian, and all other races ............................................................ 88 89 92 81 98 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 8 6 2 8 14 

 Not Hispanic or Latino ............................................................................. 92 94 98 92 86 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 31 35 33 36 19 

 College .................................................................................................... 66 62 67 61 76 

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

 At least one vehicle owned or leased ......................................................... 90 82 96 91 91 

Average annual expenditures ........................................................................ $53,685 $56,794 $53,029 $49,010 $60,079 

 Food ............................................................................................................ 6,780 7,526 6,274 6,364 7,320 

 Food at home .......................................................................................... 4,504 5,031 4,301 4,130 4,866 

 Cereals and bakery products ............................................................... 562 658 562 509 570 

 Cereals and cereal products ............................................................. 163 195 151 143 180 

 Bakery products ................................................................................ 399 464 411 366 390 

 Meats, poultry, fish, and eggs .............................................................. 966 1,186 917 884 964 

 Beef ................................................................................................... 262 298 250 234 290 

 Pork ................................................................................................... 196 193 198 204 182 

 Other meats ...................................................................................... 130 164 142 117 111 

 Poultry ............................................................................................... 158 233 139 138 148 

 Fish and seafood .............................................................................. 164 238 140 142 162 

 Eggs .................................................................................................. 56 60 48 47 72 

 Dairy products ...................................................................................... 460 528 435 409 510 

 Fresh milk and cream ....................................................................... 132 151 120 120 148 

 Other dairy products ......................................................................... 328 376 315 289 362 

 Fruits and vegetables ........................................................................... 908 1,073 798 813 1,026 

 Fresh fruits ........................................................................................ 338 373 290 318 383 

 Fresh vegetables .............................................................................. 297 385 240 246 358 

 Processed fruits ................................................................................ 110 130 107 88 130 

 Processed vegetables ...................................................................... 164 185 160 161 155 

 Other food at home .............................................................................. 1,608 1,586 1,589 1,515 1,795 

 Sugar and other sweets .................................................................... 154 144 182 133 168 

 Fats and oils ...................................................................................... 116 112 113 116 121 

 Miscellaneous foods ......................................................................... 855 807 858 796 982 

 Nonalcoholic beverages ................................................................... 423 440 375 431 441 

 Food prepared by consumer unit on out-of-town trips ..................... 61 82 61 39 84 

See footnotes at end of table. 
Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2019-2020 — Continued 

Item Total 

65-74 Northeast Midwest South West 

 Food away from home............................................................................. 2,276 2,495 1,973 2,234 2,454 

 Alcoholic beverages ................................................................................... 536 515 649 432 615 

 Housing ....................................................................................................... 18,601 20,619 17,930 15,955 22,333 

 Shelter ..................................................................................................... 10,402 12,145 9,913 8,306 13,231 

 Owned dwellings .................................................................................. 7,251 7,952 7,422 5,832 9,087 

 Mortgage interest and charges ......................................................... 1,901 1,467 1,786 1,505 3,138 

 Property taxes ................................................................................... 2,540 4,022 2,710 1,676 2,652 

 Maintenance, repairs, insurance, other expenses ........................... 2,810 2,463 2,927 2,651 3,296 

 Rented dwellings .................................................................................. 2,225 3,185 1,390 1,749 3,090 

 Other lodging ........................................................................................ 927 1,008 1,100 725 1,054 

 Utilities, fuels, and public services .......................................................... 4,025 4,181 4,080 3,931 4,006 

 Natural gas ........................................................................................... 427 578 641 269 371 

 Electricity .............................................................................................. 1,523 1,382 1,421 1,722 1,381 

 Fuel oil and other fuels ......................................................................... 138 397 103 64 79 

 Telephone services .............................................................................. 1,244 1,287 1,245 1,207 1,274 

 Residential phone service, VOIP, and phone cards ......................... 298 372 305 286 246 

 Cellular phone service ...................................................................... 946 916 940 921 1,029 

 Water and other public services .......................................................... 693 537 670 669 900 

 Household operations ............................................................................. 1,279 1,110 1,126 1,215 1,702 

 Personal services ................................................................................. 55 313 323 358 3118 

 Other household expenses .................................................................. 1,224 1,097 1,103 1,157 1,583 

 Housekeeping supplies ........................................................................... 860 912 827 810 930 

 Laundry and cleaning supplies ............................................................ 184 186 199 157 213 

 Other household products .................................................................... 531 579 473 547 519 

 Postage and stationery ........................................................................ 145 147 155 106 197 

 Household furnishings and equipment .................................................... 2,034 2,271 1,984 1,694 2,464 

 Household textiles ................................................................................ 112 135 123 92 115 

 Furniture ............................................................................................... 385 288 457 347 471 

 Floor coverings ..................................................................................... 30 32 33 28 27 

 Major appliances .................................................................................. 352 289 354 353 404 

 Small appliances, miscellaneous housewares .................................... 118 117 141 87 150 

 Miscellaneous household equipment ................................................... 1,037 1,410 875 788 1,296 

 Apparel and services .................................................................................. 1,220 1,578 1,383 1,028 1,091 

 Men and boys .......................................................................................... 215 261 218 190 216 

 Men, 16 and over ................................................................................. 187 226 186 166 190 

 Boys, 2 to 15 ........................................................................................ 28 35 32 24 26 

 Women and girls ..................................................................................... 530 662 585 482 450 

 Women, 16 and over ............................................................................ 498 638 542 453 418 

 Girls, 2 to 15 ......................................................................................... 32 24 42 29 32 

 Children under 2 ...................................................................................... 32 334 330 331 334 

 Footwear .................................................................................................. 237 416 238 172 198 

 Other apparel products and services ...................................................... 205 206 311 153 193 

 Transportation ............................................................................................ 8,123 7,823 7,900 7,941 8,946 

 Vehicle purchases (net outlay) ................................................................ 3,212 3,236 2,876 3,318 3,330 

 Cars and trucks, new ........................................................................... 1,880 2,196 1,264 2,096 1,817 

 Cars and trucks, used .......................................................................... 1,280 1,041 1,595 1,130 1,457 

 Other vehicles ...................................................................................... 

351 ( 4

 ) 317 392 356 

 Gasoline, other fuels, and motor oil ........................................................ 1,411 1,129 1,454 1,433 1,576 

 Other vehicle expenses ........................................................................... 2,980 2,891 3,123 2,743 3,352 

 Vehicle finance charges ....................................................................... 178 168 168 200 154 

 Maintenance and repairs ..................................................................... 836 688 865 747 1,103 

 Vehicle rental, leases, licenses, and other charges ............................ 646 864 823 408 715 

 Vehicle insurance ................................................................................. 1,320 1,172 1,267 1,388 1,380 

 Public and other transportation ............................................................... 521 567 447 447 688 

 Healthcare .................................................................................................. 6,733 6,367 7,259 6,542 6,892 

 Health insurance ..................................................................................... 4,865 4,521 5,253 4,770 4,962 

 Medical services ...................................................................................... 911 991 906 814 1,026 

 Drugs ....................................................................................................... 716 611 837 753 625 

 Medical supplies ...................................................................................... 241 243 264 206 279 

 Entertainment ............................................................................................. 2,737 2,584 3,300 2,323 3,048 

 Fees and admissions .............................................................................. 462 404 524 408 550 

 Audio and visual equipment and services............................................... 1,076 1,121 1,148 1,054 1,004 

 Pets, toys, hobbies, and playground equipment ..................................... 761 660 818 663 954 

 Pets ...................................................................................................... 623 527 629 543 825 

 Toys, hobbies, and playground equipment .......................................... 139 133 189 120 129 

 Other entertainment supplies, equipment, and services ........................ 438 399 809 199 540 

See footnotes at end of table. 
Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2019-2020 — Continued 

Item Total 

65-74 Northeast Midwest South West 

 Personal care products and services ......................................................... 634 625 643 612 673 

 Reading ...................................................................................................... 127 148 139 110 131 

 Education .................................................................................................... 424 597 251 480 339 

 Tobacco products and smoking supplies ................................................... 278 270 299 319 185 

 Miscellaneous ............................................................................................. 942 1,046 804 992 901 

 Cash contributions ...................................................................................... 2,788 2,168 2,894 2,661 3,472 

 Personal insurance and pensions .............................................................. 3,762 4,929 3,303 3,250 4,131 

 Life and other personal insurance ........................................................... 614 750 611 658 413 

 Pensions and Social Security.................................................................. 3,148 4,179 2,692 2,591 3,719 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $62,958 $68,104 $64,313 $56,276 $69,408 

 Wages and salaries ................................................................................. 25,639 33,824 25,389 20,215 28,649 

 Self-employment income ......................................................................... 5,930 4,770 3,212 8,095 5,679 

 Social Security, private and government retirement ............................... 26,218 25,109 28,102 24,465 28,570 

 Interest, dividends, rental income, other property income ...................... 3,936 3,150 6,495 2,482 4,769 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 337 395 215 355 375 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 628 654 451 536 953 

 Other income ........................................................................................... 270 3202 450 129 413 

 Personal taxes (contains some imputed values) ....................................... 5,937 6,644 5,407 4,867 7,824 

 Federal income taxes .............................................................................. 5,511 5,803 5,091 4,893 6,822 

 Stimulus payment (new UCC Q20202)# ................................................. -958 -887 -1,014 -1,018 -852 

 State and local income taxes .................................................................. 1,324 1,653 1,232 932 1,848 

 Other taxes .............................................................................................. 59 75 97 60 36 

 Income after taxes ...................................................................................... 57,021 61,460 58,906 51,409 61,584 

Addenda: 

 Net change in total assets and liabilities .................................................... $9,383 $4,375 $17,511 $4,942 $13,938 

 Net change in total assets ....................................................................... 15,224 14,024 22,126 8,865 21,171 

 Net change in total liabilities .................................................................... 5,841 9,649 4,615 3,923 7,233 

 Other financial information: 

 Other money receipts .............................................................................. 1,503 526 1,429 888 3,594 

 Mortgage principal paid on owned property ............................................ -2,130 -1,907 -2,292 -1,707 -2,954 

 Estimated market value of owned home ................................................. 256,678 248,453 199,532 203,019 421,141 

 Estimated monthly rental value of owned home ..................................... 1,348 1,408 1,177 1,210 1,725 

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, 2021