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

and characteristics, Consumer Expenditure Survey, 2018-2019

Item Total 

65-74 Northeast Midwest South West 

Number of consumer units (in thousands) .................................................... 19,518 3,629 4,199 7,703 3,987 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $63,366 $70,793 $66,064 $56,586 $66,865 

 Income after taxes ...................................................................................... 55,883 62,259 58,676 50,068 58,373 

 Age of reference person ............................................................................. 69.2 69.3 69.1 69.2 69.1 

 Average number in consumer unit: 

 People ..................................................................................................... 1.9 1.9 1.9 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 .8 .8 .6 .7 

 Vehicles ................................................................................................... 2.0 1.6 2.1 2.0 2.1 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 48 46 46 48 50 

 Women .................................................................................................... 52 54 54 52 50 

 Housing tenure: 

 Homeowner ............................................................................................. 80 74 83 82 77 

 With mortgage ...................................................................................... 30 27 32 28 37 

 Without mortgage ................................................................................. 49 47 52 54 40 

 Renter ...................................................................................................... 20 26 17 18 23 

 Race of reference person: 

 Black or African-American ....................................................................... 12 9 9 18 3 

 White, Asian, and all other races ............................................................ 88 91 91 82 97 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 8 6 3 8 14 

 Not Hispanic or Latino ............................................................................. 92 94 97 92 86 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 31 33 34 36 18 

 College .................................................................................................... 66 65 65 61 76 

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

 At least one vehicle owned or leased ......................................................... 90 83 94 92 90 

Average annual expenditures ........................................................................ $55,822 $60,451 $53,624 $50,623 $63,716 

 Food ............................................................................................................ 7,308 8,256 6,625 6,978 7,729 

 Food at home .......................................................................................... 4,338 5,012 4,078 4,054 4,489 

 Cereals and bakery products ............................................................... 549 687 527 493 543 

 Cereals and cereal products ............................................................. 150 177 138 142 154 

 Bakery products ................................................................................ 399 510 390 351 390 

 Meats, poultry, fish, and eggs .............................................................. 912 1,145 834 833 919 

 Beef ................................................................................................... 242 323 239 195 252 

 Pork ................................................................................................... 181 171 179 182 190 

 Other meats ...................................................................................... 122 170 125 105 105 

 Poultry ............................................................................................... 154 195 134 155 139 

 Fish and seafood .............................................................................. 156 226 115 143 160 

 Eggs .................................................................................................. 57 59 42 53 74 

 Dairy products ...................................................................................... 444 510 425 400 479 

 Fresh milk and cream ....................................................................... 133 156 118 121 146 

 Other dairy products ......................................................................... 312 354 307 280 333 

 Fruits and vegetables ........................................................................... 852 1,042 748 764 935 

 Fresh fruits ........................................................................................ 327 397 285 294 364 

 Fresh vegetables .............................................................................. 275 357 228 230 325 

 Processed fruits ................................................................................ 111 134 94 100 123 

 Processed vegetables ...................................................................... 138 154 140 139 123 

 Other food at home .............................................................................. 1,582 1,629 1,544 1,563 1,611 

 Sugar and other sweets .................................................................... 162 158 187 148 162 

 Fats and oils ...................................................................................... 113 114 104 116 115 

 Miscellaneous foods ......................................................................... 813 817 791 799 856 

 Nonalcoholic beverages ................................................................... 431 474 392 449 400 

 Food prepared by consumer unit on out-of-town trips ..................... 64 65 70 52 78 

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 Survey, 2018-2019 — Continued 

Item Total 

65-74 Northeast Midwest South West 

 Food away from home............................................................................. 2,969 3,243 2,547 2,925 3,240 

 Alcoholic beverages ................................................................................... 593 568 614 514 730 

 Housing ....................................................................................................... 18,362 21,329 17,223 15,669 22,009 

 Shelter ..................................................................................................... 10,105 12,985 9,352 7,872 12,592 

 Owned dwellings .................................................................................. 6,760 8,427 6,579 5,396 8,069 

 Mortgage interest and charges ......................................................... 1,799 1,460 1,684 1,456 2,890 

 Property taxes ................................................................................... 2,465 4,231 2,402 1,627 2,544 

 Maintenance, repairs, insurance, other expenses ........................... 2,496 2,736 2,493 2,312 2,635 

 Rented dwellings .................................................................................. 2,268 3,408 1,558 1,628 3,215 

 Other lodging ........................................................................................ 1,077 1,151 1,215 848 1,308 

 Utilities, fuels, and public services .......................................................... 4,050 4,331 4,063 3,930 4,011 

 Natural gas ........................................................................................... 436 616 642 274 367 

 Electricity .............................................................................................. 1,533 1,439 1,463 1,713 1,344 

 Fuel oil and other fuels ......................................................................... 155 437 131 77 74 

 Telephone services .............................................................................. 1,249 1,291 1,210 1,211 1,325 

 Residential phone service, VOIP, and phone cards ......................... 328 405 325 323 268 

 Cellular phone service ...................................................................... 921 886 886 888 1,057 

 Water and other public services .......................................................... 677 548 617 655 900 

 Household operations ............................................................................. 1,338 1,341 1,111 1,256 1,731 

 Personal services ................................................................................. 75 350 346 348 3179 

 Other household expenses .................................................................. 1,263 1,290 1,065 1,208 1,553 

 Housekeeping supplies ........................................................................... 860 842 808 907 850 

 Laundry and cleaning supplies ............................................................ 188 187 193 180 200 

 Other household products .................................................................... 512 499 467 581 452 

 Postage and stationery ........................................................................ 160 156 147 146 198 

 Household furnishings and equipment .................................................... 2,009 1,831 1,889 1,704 2,825 

 Household textiles ................................................................................ 140 160 140 141 122 

 Furniture ............................................................................................... 452 405 594 336 568 

 Floor coverings ..................................................................................... 32 41 29 18 53 

 Major appliances .................................................................................. 335 241 321 352 401 

 Small appliances, miscellaneous housewares .................................... 132 182 126 96 158 

 Miscellaneous household equipment ................................................... 918 802 680 761 1,524 

 Apparel and services .................................................................................. 1,483 2,019 1,507 1,182 1,508 

 Men and boys .......................................................................................... 291 364 210 246 382 

 Men, 16 and over ................................................................................. 262 321 180 222 360 

 Boys, 2 to 15 ........................................................................................ 28 43 31 24 22 

 Women and girls ..................................................................................... 641 852 684 541 586 

 Women, 16 and over ............................................................................ 610 821 642 520 549 

 Girls, 2 to 15 ......................................................................................... 31 31 42 21 38 

 Children under 2 ...................................................................................... 34 318 336 340 338 

 Footwear .................................................................................................. 309 532 366 183 269 

 Other apparel products and services ...................................................... 208 253 211 172 232 

 Transportation ............................................................................................ 8,870 8,924 8,124 9,005 9,337 

 Vehicle purchases (net outlay) ................................................................ 3,310 3,287 2,598 3,787 3,160 

 Cars and trucks, new ........................................................................... 1,983 2,183 1,642 2,276 1,594 

 Cars and trucks, used .......................................................................... 1,255 1,104 939 1,354 1,535 

 Other vehicles ...................................................................................... 72 ( 2 ) 317 3157 331 

 Gasoline, other fuels, and motor oil ........................................................ 1,687 1,471 1,678 1,690 1,889 

 Other vehicle expenses ........................................................................... 3,045 3,234 3,144 2,790 3,254 

 Vehicle finance charges ....................................................................... 173 159 175 193 142 

 Maintenance and repairs ..................................................................... 879 787 936 820 1,009 

 Vehicle rental, leases, licenses, and other charges ............................ 690 1,009 831 429 756 

 Vehicle insurance ................................................................................. 1,303 1,279 1,202 1,347 1,347 

 Public and other transportation ............................................................... 827 933 705 737 1,034 

 Healthcare .................................................................................................. 6,742 6,512 7,194 6,376 7,180 

 Health insurance ..................................................................................... 4,797 4,601 5,027 4,686 4,950 

 Medical services ...................................................................................... 974 1,039 1,034 769 1,252 

 Drugs ....................................................................................................... 721 599 836 708 730 

 Medical supplies ...................................................................................... 249 272 297 213 247 

 Entertainment ............................................................................................. 3,244 3,121 3,794 2,576 4,028 

 Fees and admissions .............................................................................. 598 604 664 496 723 

 Audio and visual equipment and services............................................... 1,084 1,150 1,068 1,066 1,079 

 Pets, toys, hobbies, and playground equipment ..................................... 830 941 651 685 1,159 

 Pets ...................................................................................................... 715 839 498 606 1,007 

 Toys, hobbies, and playground equipment .......................................... 115 102 153 79 152 

 Other entertainment supplies, equipment, and services ........................ 731 426 1,412 329 1,067 

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 Survey, 2018-2019 — Continued 

Item Total 

65-74 Northeast Midwest South West 

 Personal care products and services ......................................................... 748 796 693 699 850 

 Reading ...................................................................................................... 150 184 166 121 156 

 Education .................................................................................................... 468 813 201 500 371 

 Tobacco products and smoking supplies ................................................... 265 262 316 286 172 

 Miscellaneous ............................................................................................. 958 894 988 915 1,069 

 Cash contributions ...................................................................................... 2,670 2,045 2,374 2,460 3,954 

 Personal insurance and pensions .............................................................. 3,960 4,727 3,803 3,342 4,622 

 Life and other personal insurance ........................................................... 586 669 577 636 421 

 Pensions and Social Security.................................................................. 3,374 4,057 3,225 2,706 4,201 

Sources of income and personal taxes: 

 Money income before taxes ....................................................................... $63,366 $70,793 $66,064 $56,586 $66,865 

 Wages and salaries ................................................................................. 25,804 33,026 25,841 21,025 28,424 

 Self-employment income ......................................................................... 6,323 6,915 4,698 7,930 4,389 

 Social Security, private and government retirement ............................... 25,855 26,314 26,618 24,391 27,462 

 Interest, dividends, rental income, other property income ...................... 4,287 3,548 7,727 2,390 5,003 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 276 397 203 258 276 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 491 328 513 440 716 

 Other income ........................................................................................... 330 3263 463 152 594 

 Personal taxes (contains some imputed values) ....................................... 7,483 8,534 7,387 6,518 8,492 

 Federal income taxes .............................................................................. 6,058 6,716 5,958 5,480 6,681 

 State and local income taxes .................................................................. 1,365 1,744 1,343 972 1,804 

 Other taxes .............................................................................................. 60 73 87 66 37 

 Income after taxes ...................................................................................... 55,883 62,259 58,676 50,068 58,373 

Addenda: 

 Net change in total assets and liabilities .................................................... $18,712 $20,340 $13,198 $16,807 $26,717 

 Net change in total assets ....................................................................... 22,572 23,592 17,011 20,025 32,422 

 Net change in total liabilities .................................................................... 3,861 3,251 3,813 3,219 5,706 

 Other financial information: 

 Other money receipts .............................................................................. 1,559 401 899 1,138 4,119 

 Mortgage principal paid on owned property ............................................ -1,981 -2,002 -2,239 -1,488 -2,643 

 Estimated market value of owned home ................................................. 240,262 242,516 175,094 193,327 397,531 

 Estimated monthly rental value of owned home ..................................... 1,303 1,397 1,102 1,184 1,659 

 Gifts of goods and services, total ............................................................... 1,348 1,729 1,324 1,086 1,499 

 Food ........................................................................................................ 103 149 88 72 125 

 Alcoholic beverages ................................................................................ 19 39 15 12 19 

 Housing ................................................................................................... 343 424 241 258 533 

 Housekeeping supplies ........................................................................ 50 54 52 35 72 

 Household textiles ................................................................................ 18 319 316 316 322 

 Appliances and miscellaneous housewares ........................................ 51 396 23 29 74 

 Major appliances ............................................................................... 12 33 13 14 315 

 Small appliances and miscellaneous housewares ........................... 39 393 310 315 359 

 Miscellaneous household equipment ................................................... 59 74 55 63 44 

 Other housing ....................................................................................... 165 181 95 115 320 

 Apparel and services ............................................................................... 215 287 269 146 214 

 Males, 2 and over ................................................................................. 68 126 57 47 63 

 Females, 2 and over ............................................................................ 94 97 133 73 88 

 Children under 2 ................................................................................... 21 314 331 311 335 

 Other apparel products and services ................................................... 32 350 48 15 28 

 Jewelry and watches ........................................................................ 5 36 34 32 38 

 All other apparel products and services ........................................... 27 344 344 312 320 

 Transportation ......................................................................................... 153 165 127 180 117 

 Healthcare ............................................................................................... 24 318 380 35 39 

 Entertainment .......................................................................................... 116 128 149 85 128 

 Toys, games, arts and crafts, and tricycles ......................................... 38 336 90 316 326 

 Other entertainment ............................................................................. 77 92 58 69 102 

 Personal care products and services ...................................................... 22 17 31 13 32 

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 Survey, 2018-2019 — Continued 

Item Total 

65-74 Northeast Midwest South West 

 Reading ................................................................................................... 6 31 11 7 4 

 Education ................................................................................................. 183 390 39 187 141 

 All other gifts ............................................................................................ 164 109 275 121 178 

1

 Value is too small to display. 

2

 No data reported. 

3

 Data are likely to have large sampling errors. 

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2020