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

and characteristics, Consumer Expenditure Survey, 2018-2019

Item Total 

45-54 Northeast Midwest South West 

Number of consumer units (in thousands) .................................................... 22,666 4,432 4,626 8,629 4,978 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $108,249 $126,897 $101,002 $102,192 $108,881 

 Income after taxes ...................................................................................... 91,293 103,222 86,323 87,085 92,584 

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

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 2.9 2.8 2.8 3.1 

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

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

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

 Vehicles ................................................................................................... 2.2 2.0 2.5 2.2 2.3 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 47 45 48 45 50 

 Women .................................................................................................... 53 55 52 55 50 

 Housing tenure: 

 Homeowner ............................................................................................. 69 69 71 70 64 

 With mortgage ...................................................................................... 52 53 55 52 51 

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

 Renter ...................................................................................................... 31 31 29 30 36 

 Race of reference person: 

 Black or African-American ....................................................................... 15 14 14 20 7 

 White, Asian, and all other races ............................................................ 85 86 86 80 93 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 16 13 6 16 28 

 Not Hispanic or Latino ............................................................................. 84 87 94 84 72 

 Education of reference person: 

 Elementary (1-8)...................................................................................... 3 2 2 2 6 

 High school (9-12) ................................................................................... 28 27 28 28 27 

 College .................................................................................................... 69 70 69 70 66 

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

 At least one vehicle owned or leased ......................................................... 91 86 93 93 91 

Average annual expenditures ........................................................................ $76,724 $84,322 $73,763 $71,898 $81,177 

 Food ............................................................................................................ 9,800 10,562 9,487 9,115 10,692 

 Food at home .......................................................................................... 5,394 6,034 5,320 4,945 5,743 

 Cereals and bakery products ............................................................... 690 852 650 621 720 

 Cereals and cereal products ............................................................. 223 267 207 201 243 

 Bakery products ................................................................................ 466 585 443 420 477 

 Meats, poultry, fish, and eggs .............................................................. 1,153 1,290 1,163 1,098 1,131 

 Beef ................................................................................................... 308 278 359 302 291 

 Pork ................................................................................................... 220 204 247 223 202 

 Other meats ...................................................................................... 160 202 180 143 138 

 Poultry ............................................................................................... 226 292 207 200 237 

 Fish and seafood .............................................................................. 169 242 115 166 167 

 Eggs .................................................................................................. 70 72 56 63 95 

 Dairy products ...................................................................................... 532 628 553 449 581 

 Fresh milk and cream ....................................................................... 171 196 176 140 199 

 Other dairy products ......................................................................... 361 432 377 309 381 

 Fruits and vegetables ........................................................................... 1,019 1,162 935 919 1,166 

 Fresh fruits ........................................................................................ 375 442 324 330 450 

 Fresh vegetables .............................................................................. 349 389 325 308 413 

 Processed fruits ................................................................................ 124 158 109 110 135 

 Processed vegetables ...................................................................... 172 173 177 170 168 

 Other food at home .............................................................................. 1,999 2,101 2,019 1,859 2,146 

 Sugar and other sweets .................................................................... 184 225 195 149 205 

 Fats and oils ...................................................................................... 142 152 137 138 149 

 Miscellaneous foods ......................................................................... 1,061 1,083 1,120 959 1,165 

 Nonalcoholic beverages ................................................................... 535 546 497 550 537 

 Food prepared by consumer unit on out-of-town trips ..................... 76 95 69 63 89 

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, 2018-2019 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Food away from home............................................................................. 4,406 4,529 4,167 4,169 4,949 

 Alcoholic beverages ................................................................................... 688 853 768 533 750 

 Housing ....................................................................................................... 23,719 27,482 20,948 21,951 26,007 

 Shelter ..................................................................................................... 13,927 16,830 11,430 12,543 16,064 

 Owned dwellings .................................................................................. 8,943 10,996 7,905 8,164 9,428 

 Mortgage interest and charges ......................................................... 4,166 4,292 3,418 3,942 5,136 

 Property taxes ................................................................................... 2,864 4,852 2,740 2,012 2,687 

 Maintenance, repairs, insurance, other expenses ........................... 1,913 1,852 1,748 2,211 1,604 

 Rented dwellings .................................................................................. 3,819 4,321 2,493 3,250 5,590 

 Other lodging ........................................................................................ 1,166 1,512 1,032 1,128 1,047 

 Utilities, fuels, and public services .......................................................... 4,838 5,216 4,638 4,877 4,619 

 Natural gas ........................................................................................... 480 721 655 302 413 

 Electricity .............................................................................................. 1,671 1,605 1,536 1,919 1,428 

 Fuel oil and other fuels ......................................................................... 132 447 65 56 48 

 Telephone services .............................................................................. 1,822 1,914 1,713 1,859 1,780 

 Residential phone service, VOIP, and phone cards ......................... 192 298 194 165 142 

 Cellular phone service ...................................................................... 1,630 1,616 1,518 1,694 1,638 

 Water and other public services .......................................................... 732 530 669 742 951 

 Household operations ............................................................................. 1,535 1,749 1,231 1,415 1,835 

 Personal services ................................................................................. 298 434 228 182 445 

 Other household expenses .................................................................. 1,236 1,315 1,004 1,233 1,390 

 Housekeeping supplies ........................................................................... 920 863 995 918 895 

 Laundry and cleaning supplies ............................................................ 218 221 274 195 203 

 Other household products .................................................................... 554 512 593 604 459 

 Postage and stationery ........................................................................ 148 131 127 119 234 

 Household furnishings and equipment .................................................... 2,499 2,824 2,654 2,198 2,594 

 Household textiles ................................................................................ 153 258 107 123 167 

 Furniture ............................................................................................... 589 743 543 522 611 

 Floor coverings ..................................................................................... 31 27 37 27 36 

 Major appliances .................................................................................. 376 449 343 350 401 

 Small appliances, miscellaneous housewares .................................... 139 115 182 127 135 

 Miscellaneous household equipment ................................................... 1,209 1,232 1,441 1,047 1,243 

 Apparel and services .................................................................................. 2,357 2,598 2,518 2,043 2,550 

 Men and boys .......................................................................................... 586 626 637 515 625 

 Men, 16 and over ................................................................................. 440 461 471 382 494 

 Boys, 2 to 15 ........................................................................................ 146 165 166 133 131 

 Women and girls ..................................................................................... 970 1,038 1,169 811 1,000 

 Women, 16 and over ............................................................................ 794 823 924 672 862 

 Girls, 2 to 15 ......................................................................................... 176 215 246 139 138 

 Children under 2 ...................................................................................... 46 252 56 38 247 

 Footwear .................................................................................................. 498 608 477 437 540 

 Other apparel products and services ...................................................... 257 274 179 243 338 

 Transportation ............................................................................................ 12,783 12,617 11,776 13,155 13,217 

 Vehicle purchases (net outlay) ................................................................ 4,792 3,962 4,623 5,380 4,667 

 Cars and trucks, new ........................................................................... 2,158 1,590 1,591 2,638 2,358 

 Cars and trucks, used .......................................................................... 2,564 2,369 3,001 2,615 2,241 

 Other vehicles ...................................................................................... 70 23 231 127 268 

 Gasoline, other fuels, and motor oil ........................................................ 2,649 2,497 2,454 2,682 2,910 

 Other vehicle expenses ........................................................................... 4,335 4,722 3,936 4,321 4,384 

 Vehicle finance charges ....................................................................... 314 240 299 393 257 

 Maintenance and repairs ..................................................................... 1,063 970 1,129 1,047 1,106 

 Vehicle rental, leases, licenses, and other charges ............................ 1,017 1,579 958 702 1,121 

 Vehicle insurance ................................................................................. 1,941 1,933 1,550 2,178 1,901 

 Public and other transportation ............................................................... 1,007 1,436 763 772 1,256 

 Healthcare .................................................................................................. 5,240 4,922 5,751 5,335 4,879 

 Health insurance ..................................................................................... 3,557 3,441 3,812 3,730 3,122 

 Medical services ...................................................................................... 1,002 921 1,109 934 1,092 

 Drugs ....................................................................................................... 480 395 547 488 479 

 Medical supplies ...................................................................................... 201 166 282 183 186 

 Entertainment ............................................................................................. 3,905 4,020 4,665 3,339 4,060 

 Fees and admissions .............................................................................. 1,063 1,349 1,086 856 1,139 

 Audio and visual equipment and services............................................... 1,204 1,249 1,213 1,199 1,170 

 Pets, toys, hobbies, and playground equipment ..................................... 1,021 986 1,298 884 1,015 

 Pets ...................................................................................................... 874 798 1,121 769 872 

 Toys, hobbies, and playground equipment .......................................... 147 188 177 114 142 

 Other entertainment supplies, equipment, and services ........................ 617 436 1,069 400 736 

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, 2018-2019 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Personal care products and services ......................................................... 976 1,040 1,006 902 1,022 

 Reading ...................................................................................................... 92 118 112 72 86 

 Education .................................................................................................... 2,754 4,798 2,383 2,036 2,523 

 Tobacco products and smoking supplies ................................................... 406 371 517 415 319 

 Miscellaneous ............................................................................................. 1,139 1,517 836 941 1,433 

 Cash contributions ...................................................................................... 2,174 2,154 2,002 2,145 2,402 

 Personal insurance and pensions .............................................................. 10,691 11,269 10,993 9,917 11,238 

 Life and other personal insurance ........................................................... 639 722 594 692 513 

 Pensions and Social Security.................................................................. 10,053 10,547 10,399 9,225 10,726 

Sources of income and personal taxes: 

 Money income before taxes ....................................................................... $108,249 $126,897 $101,002 $102,192 $108,881 

 Wages and salaries ................................................................................. 94,974 113,712 88,545 88,888 94,814 

 Self-employment income ......................................................................... 8,125 8,422 6,915 8,562 8,226 

 Social Security, private and government retirement ............................... 2,089 1,176 2,388 2,368 2,143 

 Interest, dividends, rental income, other property income ...................... 1,698 2,170 1,935 1,081 2,127 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 514 474 515 463 638 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 574 610 505 596 569 

 Other income ........................................................................................... 275 333 199 234 363 

 Personal taxes (contains some imputed values) ....................................... 16,956 23,675 14,679 15,107 16,297 

 Federal income taxes .............................................................................. 13,220 18,004 10,892 12,367 12,603 

 State and local income taxes .................................................................. 3,583 5,529 3,399 2,626 3,679 

 Other taxes .............................................................................................. 153 141 388 113 215 

 Income after taxes ...................................................................................... 91,293 103,222 86,323 87,085 92,584 

Addenda: 

 Net change in total assets and liabilities .................................................... $16,623 $8,481 $20,695 $22,083 $10,622 

 Net change in total assets ....................................................................... 27,945 20,527 35,025 29,271 25,673 

 Net change in total liabilities .................................................................... 11,323 12,046 14,329 7,189 15,051 

 Other financial information: 

 Other money receipts .............................................................................. 453 2212 627 241 874 

 Mortgage principal paid on owned property ............................................ -3,414 -3,796 -3,171 -3,172 -3,718 

 Estimated market value of owned home ................................................. 247,754 289,098 175,508 189,810 378,533 

 Estimated monthly rental value of owned home ..................................... 1,286 1,461 1,066 1,166 1,543 

 Gifts of goods and services, total ............................................................... 2,039 2,344 2,110 1,935 1,876 

 Food ........................................................................................................ 146 134 135 163 138 

 Alcoholic beverages ................................................................................ 20 29 28 14 16 

 Housing ................................................................................................... 364 426 326 422 242 

 Housekeeping supplies ........................................................................ 45 36 44 35 72 

 Household textiles ................................................................................ 17 218 218 218 214 

 Appliances and miscellaneous housewares ........................................ 25 218 30 30 19 

 Major appliances ............................................................................... 14 210 15 22 23 

 Small appliances and miscellaneous housewares ........................... 12 29 215 28 217 

 Miscellaneous household equipment ................................................... 44 35 48 52 37 

 Other housing ....................................................................................... 231 319 186 287 100 

 Apparel and services ............................................................................... 271 258 309 236 307 

 Males, 2 and over ................................................................................. 78 69 44 83 108 

 Females, 2 and over ............................................................................ 104 94 168 72 106 

 Children under 2 ................................................................................... 36 243 236 28 44 

 Other apparel products and services ................................................... 54 251 61 54 49 

 Jewelry and watches ........................................................................ 9 211 24 214 25 

 All other apparel products and services ........................................... 45 241 258 240 44 

 Transportation ......................................................................................... 179 129 202 142 263 

 Healthcare ............................................................................................... 37 215 234 40 256 

 Entertainment .......................................................................................... 142 114 157 174 97 

 Toys, games, arts and crafts, and tricycles ......................................... 33 232 50 24 33 

 Other entertainment ............................................................................. 109 81 107 149 64 

 Personal care products and services ...................................................... 19 10 50 7 15 

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, 2018-2019 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Reading ................................................................................................... 5 7 5 3 25 

 Education ................................................................................................. 769 1,152 774 645 639 

 All other gifts ............................................................................................ 88 69 90 89 98 

1

 Value is too small to display. 

2

 Data are likely to have large sampling errors. 

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