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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005

Item Total

35-44 Northeast Midwest South West

Number of consumer units (in thousands) ....... 23,936 4,629 5,151 8,762 5,394 

Consumer unit characteristics: 

Income before taxes ..................................... $69,242 $74,656 $70,340 $61,984 $75,338 

Income after taxes ........................................ 66,573 72,007 67,098 59,831 72,360 

Age of reference person ................................ 39.7 39.7 39.7 39.7 39.7 

Average number in consumer unit:

Persons ........................................................ 3.2 3.2 3.2 3.2 3.3 

Children under 18 ........................................ 1.3 1.3 1.3 1.3 1.3 

Persons 65 and over .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

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

Vehicles ....................................................... 2.1 1.8 2.3 2.0 2.3 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 48 51 45 50 

Female ......................................................... 52 52 49 55 50 

Housing tenure:

Homeowner .................................................. 69 66 77 70 64 

With mortgage ............................................ 59 57 66 57 56 

Without mortgage ....................................... 11 9 11 14 8 

Renter .......................................................... 31 34 23 30 36 

Race of reference person:

Black or African-American ........................... 14 12 10 22 5 

White, Asian, and all other races ................. 86 88 90 78 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 14 10 6 13 25 

Not Hispanic or Latino .................................. 86 90 94 87 75 

Education of reference person:

Elementary (1-8) .......................................... 4 3 2 4 6 

High school (9-12) ........................................ 35 37 36 36 29 

College ......................................................... 61 60 62 60 65 

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

At least one vehicle owned or leased ............ 91 86 94 91 93 

Average annual expenditures .......................... $52,905 $55,020 $53,852 $47,537 $58,877 

Food ............................................................... 7,052 7,623 7,375 6,493 7,159 

Food at home ............................................... 4,008 4,489 4,168 3,583 4,134 

Cereals and bakery products ..................... 558 627 599 503 546 

Cereals and cereal products .................... 189 209 195 173 192 

Bakery products ....................................... 369 419 404 330 354 

Meats, poultry, fish, and eggs .................... 992 1,186 940 916 1,006 

Beef .......................................................... 303 342 281 294 307 

Pork .......................................................... 202 226 208 188 196 

Other meats ............................................. 129 168 139 110 117 

Poultry ...................................................... 176 221 167 161 170 

Fish and seafood ..................................... 141 186 111 125 160 

Eggs ......................................................... 41 43 34 37 56 

Dairy products ............................................ 459 545 491 378 487 

Fresh milk and cream .............................. 184 209 188 160 197 

Other dairy products ................................ 276 336 303 218 290 

Fruits and vegetables ................................. 639 762 619 547 709 

Fresh fruits ............................................... 208 240 202 174 245 

Fresh vegetables ..................................... 201 255 175 171 233 

Processed fruits ....................................... 127 154 137 101 135 

Processed vegetables .............................. 103 112 104 101 96 

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 Survey,

2004-2005 — Continued

Item Total

35-44 Northeast Midwest South West

Other food at home .................................... $1,360 $1,369 $1,519 $1,239 $1,387 

Sugar and other sweets ........................... 145 161 165 128 140 

Fats and oils ............................................. 98 103 105 87 105 

Miscellaneous foods ................................ 710 713 805 646 712 

Nonalcoholic beverages ........................... 364 359 403 338 371 

Food prepared by consumer unit on

out-of-town trips ..................................... 43 33 41 39 59 

Food away from home ................................. 3,044 3,134 3,207 2,910 3,025 

Alcoholic beverages ....................................... 523 679 530 417 558 

Housing .......................................................... 17,712 19,501 17,716 15,240 20,164 

Shelter .......................................................... 10,417 12,098 9,754 8,341 12,979 

Owned dwellings ........................................ 7,548 8,597 7,827 6,001 8,893 

Mortgage interest and charges ................ 4,944 5,179 4,920 4,019 6,268 

Property taxes .......................................... 1,660 2,444 1,794 1,227 1,560 

Maintenance, repairs, insurance, other

expenses ................................................ 944 975 1,113 754 1,064 

Rented dwellings ........................................ 2,465 3,123 1,496 2,021 3,545 

Other lodging ............................................. 405 378 431 319 541 

Utilities, fuels, and public services ............... 3,442 3,604 3,515 3,515 3,114 

Natural gas ................................................. 498 619 800 309 411 

Electricity .................................................... 1,254 1,200 1,117 1,513 1,012 

Fuel oil and other fuels ............................... 118 343 99 57 43 

Telephone services .................................... 1,179 1,184 1,106 1,216 1,182 

Water and other public services ................. 393 259 393 420 466 

Household operations .................................. 1,073 1,045 1,206 974 1,131 

Personal services ....................................... 620 635 760 557 578 

Other household expenses ........................ 453 410 446 417 554 

Housekeeping supplies ................................ 697 771 843 605 631 

Laundry and cleaning supplies .................. 166 154 188 163 157 

Other household products .......................... 361 413 444 318 301 

Postage and stationery .............................. 169 203 211 124 172 

Household furnishings and equipment ......... 2,083 1,982 2,397 1,805 2,309 

Household textiles ...................................... 171 207 180 176 121 

Furniture ..................................................... 585 539 681 491 687 

Floor coverings .......................................... 53 44 98 32 50 

Major appliances ........................................ 241 207 287 203 282 

Small appliances, miscellaneous

housewares .............................................. 99 113 99 86 107 

Miscellaneous household equipment ......... 935 872 1,052 817 1,062 

Apparel and services ..................................... 2,253 2,551 2,249 2,123 2,220 

Men and boys .............................................. 565 660 541 549 536 

Men, 16 and over ....................................... 380 481 352 350 375 

Boys, 2 to 15 .............................................. 185 179 189 200 161 

Women and girls .......................................... 864 1,005 847 816 839 

Women, 16 and over .................................. 625 747 613 579 609 

Girls, 2 to 15 ............................................... 239 259 234 237 229 

Children under 2 .......................................... 96 92 94 98 97 

Footwear ...................................................... 407 514 395 381 370 

Other apparel products and services ........... 322 279 372 279 379 

Transportation ................................................ 9,570 9,020 8,812 8,867 11,912 

Vehicle purchases (net outlay) ..................... 4,295 3,760 3,637 3,993 5,873 

Cars and trucks, new ................................. 2,276 2,296 1,760 1,797 3,530 

Cars and trucks, used ................................ 1,893 1,370 1,772 2,072 2,164 

Other vehicles ............................................ 126 394 105 124 179 

Gasoline and motor oil ................................. 2,125 1,850 2,104 2,140 2,358 

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 Survey,

2004-2005 — Continued

Item Total

35-44 Northeast Midwest South West

Other vehicle expenses ............................... $2,685 $2,718 $2,686 $2,418 $3,092 

Vehicle finance charges ............................. 415 331 417 460 414 

Maintenance and repairs ........................... 706 674 683 606 918 

Vehicle insurance ....................................... 1,049 1,066 978 1,037 1,120 

Vehicle rental, leases, licenses, and other

charges .................................................... 516 647 608 316 640 

Public transportation .................................... 465 691 385 316 590 

Healthcare ...................................................... 2,277 1,989 2,423 2,301 2,345 

Health insurance .......................................... 1,184 1,123 1,242 1,204 1,149 

Medical services .......................................... 664 495 725 639 791 

Drugs ........................................................... 337 290 339 376 312 

Medical supplies .......................................... 92 82 116 81 94 

Entertainment ................................................. 2,638 2,533 3,152 2,234 2,886 

Fees and admissions ................................... 711 708 858 536 859 

Audio and visual equipment and services .... 975 990 999 916 1,034 

Pets, toys, hobbies, and playground

equipment .................................................. 465 472 488 436 482 

Other entertainment supplies, equipment,

and services ............................................... 488 363 808 347 511 

Personal care products and services ............. 644 681 670 620 625 

Reading .......................................................... 122 137 140 87 147 

Education ....................................................... 857 924 870 780 913 

Tobacco products and smoking supplies ....... 354 385 439 348 254 

Miscellaneous ................................................ 791 855 882 600 959 

Cash contributions ......................................... 1,503 1,246 1,655 1,414 1,725 

Personal insurance and pensions .................. 6,608 6,896 6,938 6,014 7,011 

Life and other personal insurance ................ 396 382 534 386 290 

Pensions and Social Security ...................... 6,213 6,514 6,404 5,628 6,721 

Sources of income and personal taxes: 

Money income before taxes ........................... 69,242 74,656 70,340 61,984 75,338 

Wages and salaries ..................................... 62,260 69,104 63,171 55,308 66,811 

Self-employment income ............................. 4,141 2,971 3,942 3,916 5,701 

Social Security, private and government

retirement ................................................... 775 534 624 969 811 

Interest, dividends, rental income, other

property income ......................................... 745 882 1,398 374 606 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 272 329 259 221 319 

Public assistance, supplemental security

income, food stamps .................................. 353 330 341 369 359 

Regular contributions for support ................. 564 424 522 674 544 

Other income ............................................... 131 83 83 151 186 

Personal taxes ............................................... 2,669 2,649 3,242 2,153 2,978 

Federal income taxes ................................... 1,852 1,721 2,154 1,533 2,197 

State and local income taxes ....................... 663 745 853 500 674 

Other taxes .................................................. 154 183 236 120 107 

Income after taxes ......................................... 66,573 72,007 67,098 59,831 72,360 

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 Survey,

2004-2005 — Continued

Item Total

35-44 Northeast Midwest South West

Addenda:

Net change in total assets and liabilities ........ - $13,834 - $8,174 - $7,680 - $8,883 - $32,612 

Net change in total assets ............................ 14,995 13,078 14,193 9,511 26,316 

Net change in total liabilities ........................ 28,829 21,252 21,872 18,394 58,928 

Other financial information:

Other money receipts ................................... 379 376 276 271 653 

Mortgage principal paid on owned

property ...................................................... -2,585 -2,649 -2,999 -1,981 -3,114 

Estimated market value of owned home ...... 162,079 180,738 147,173 117,940 232,004 

Estimated monthly rental value of owned

home .......................................................... 898 999 871 779 1,030 

Gifts of goods and services ............................ 1,005 1,062 955 933 1,123 

Food ............................................................. 81 101 111 54 80 

Alcoholic beverages ..................................... 23 38 23 18 18 

Housing ........................................................ 258 262 212 208 387 

Housekeeping supplies .............................. 60 115 55 43 46 

Household textiles ...................................... 16 17 18 18 11 

Appliances and miscellaneous

housewares .............................................. 22 13 33 22 17 

Major appliances ...................................... 8 31 23 3 35 

Small appliances and miscellaneous

housewares ............................................ 14 12 10 20 12 

Miscellaneous household equipment ......... 106 74 63 66 246 

Other housing ............................................ 54 44 43 58 67 

Apparel and services ................................... 283 274 267 316 251 

Males, 2 and over ...................................... 78 71 88 96 45 

Females, 2 and over .................................. 102 90 93 122 88 

Children under 2 ........................................ 42 41 37 37 57 

Other apparel products and services ......... 61 72 49 61 61 

Jewelry and watches ................................ 21 10 13 17 46 

All other apparel products and services ... 40 62 36 45 15 

Transportation .............................................. 56 72 18 67 58 

Health care ................................................... 31 21 40 45 8 

Entertainment ............................................... 66 76 73 60 59 

Toys, games, arts and crafts, and

tricycles .................................................... 22 25 18 25 19 

Other entertainment ................................... 44 51 55 35 41 

Personal care products and services ........... 32 31 33 38 23 

Reading ........................................................ 2 ( ) 2 ( ) 1 2 ( ) 2 ( )

Education ..................................................... 108 123 93 71 169 

All other gifts ................................................ 67 64 84 56 71 

1 Value less than 0.05. 2 Value less than or equal to 0.5.3 Data are likely to have large sampling errors.

n.a. Not applicable.