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

and characteristics, Consumer Expenditure Surveys, 2019-2020

Item Total 

35-44 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 22,318 3,619 4,807 8,546 5,346 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $103,696 $121,865 $95,813 $95,196 $112,072 

 Income after taxes ...................................................................................... 91,088 103,929 84,742 85,480 97,065 

 Age of reference person ............................................................................. 39.4 39.4 39.5 39.4 39.4 

 Average number in consumer unit: 

 People ..................................................................................................... 3.4 3.3 3.3 3.3 3.6 

 Children under 18 .................................................................................... 1.4 1.3 1.5 1.4 1.5 

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

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

 Vehicles ................................................................................................... 2.0 1.6 2.1 1.9 2.2 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 50 52 48 49 50 

 Women .................................................................................................... 50 48 52 51 50 

 Housing tenure: 

 Homeowner ............................................................................................. 61 58 67 63 56 

 With mortgage ...................................................................................... 51 52 54 50 47 

 Without mortgage ................................................................................. 10 6 13 12 8 

 Renter ...................................................................................................... 39 42 33 37 44 

 Race of reference person: 

 Black or African-American ....................................................................... 14 14 13 21 5 

 White, Asian, and all other races ............................................................ 86 86 87 79 95 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 20 19 8 20 30 

 Not Hispanic or Latino ............................................................................. 80 81 92 80 70 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 24 22 22 26 23 

 College .................................................................................................... 73 75 76 71 73 

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

 At least one vehicle owned or leased ......................................................... 92 84 92 94 95 

Average annual expenditures ........................................................................ $74,528 $83,956 $71,196 $67,622 $81,848 

 Food ............................................................................................................ 9,551 10,538 9,537 8,576 10,347 

 Food at home .......................................................................................... 5,833 6,761 5,842 5,199 6,131 

 Cereals and bakery products ............................................................... 782 909 809 693 802 

 Cereals and cereal products ............................................................. 264 315 275 220 285 

 Bakery products ................................................................................ 518 594 535 473 516 

 Meats, poultry, fish, and eggs .............................................................. 1,214 1,560 1,198 1,098 1,158 

 Beef ................................................................................................... 361 438 478 304 293 

 Pork ................................................................................................... 216 271 176 200 234 

 Other meats ...................................................................................... 167 250 156 145 152 

 Poultry ............................................................................................... 220 274 195 207 222 

 Fish and seafood .............................................................................. 178 238 135 181 168 

 Eggs .................................................................................................. 72 90 57 60 90 

 Dairy products ...................................................................................... 565 672 550 499 601 

 Fresh milk and cream ....................................................................... 179 221 166 158 190 

 Other dairy products ......................................................................... 386 450 384 341 410 

 Fruits and vegetables ........................................................................... 1,105 1,365 1,039 928 1,245 

 Fresh fruits ........................................................................................ 396 478 377 324 464 

 Fresh vegetables .............................................................................. 355 433 320 299 415 

 Processed fruits ................................................................................ 148 184 143 129 157 

 Processed vegetables ...................................................................... 206 270 199 176 210 

 Other food at home .............................................................................. 2,167 2,254 2,245 1,980 2,324 

 Sugar and other sweets .................................................................... 206 235 237 168 218 

 Fats and oils ...................................................................................... 146 187 140 124 155 

 Miscellaneous foods ......................................................................... 1,209 1,200 1,279 1,115 1,301 

 Nonalcoholic beverages ................................................................... 543 576 521 523 567 

 Food prepared by consumer unit on out-of-town trips ..................... 62 56 68 49 83 

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 Surveys, 2019-2020 — Continued 

Item Total 

35-44 Northeast Midwest South West 

 Food away from home............................................................................. 3,718 3,777 3,696 3,377 4,216 

 Alcoholic beverages ................................................................................... 548 596 537 499 597 

 Housing ....................................................................................................... 25,524 31,934 22,154 22,668 28,661 

 Shelter ..................................................................................................... 14,932 18,560 12,295 12,777 18,291 

 Owned dwellings .................................................................................. 8,558 10,770 7,822 7,467 9,467 

 Mortgage interest and charges ......................................................... 4,378 4,712 3,528 4,044 5,452 

 Property taxes ................................................................................... 2,347 3,893 2,265 1,772 2,295 

 Maintenance, repairs, insurance, other expenses ........................... 1,833 2,165 2,029 1,651 1,720 

 Rented dwellings .................................................................................. 5,533 6,850 3,492 4,660 7,870 

 Other lodging ........................................................................................ 841 940 980 650 954 

 Utilities, fuels, and public services .......................................................... 4,501 4,638 4,278 4,674 4,332 

 Natural gas ........................................................................................... 447 712 648 249 403 

 Electricity .............................................................................................. 1,619 1,546 1,423 1,898 1,398 

 Fuel oil and other fuels ......................................................................... 80 272 74 35 28 

 Telephone services .............................................................................. 1,634 1,619 1,510 1,709 1,637 

 Residential phone service, VOIP, and phone cards ......................... 108 187 101 109 60 

 Cellular phone service ...................................................................... 1,526 1,431 1,410 1,601 1,576 

 Water and other public services .......................................................... 721 489 623 782 867 

 Household operations ............................................................................. 2,278 2,828 2,072 1,971 2,579 

 Personal services ................................................................................. 1,127 1,611 1,108 823 1,302 

 Other household expenses .................................................................. 1,151 1,217 964 1,148 1,277 

 Housekeeping supplies ........................................................................... 801 886 789 771 796 

 Laundry and cleaning supplies ............................................................ 197 182 199 196 208 

 Other household products .................................................................... 498 566 484 479 490 

 Postage and stationery ........................................................................ 106 138 106 95 99 

 Household furnishings and equipment .................................................... 3,012 5,021 2,720 2,475 2,663 

 Household textiles ................................................................................ 143 91 193 145 139 

 Furniture ............................................................................................... 721 818 713 687 716 

 Floor coverings ..................................................................................... 36 83 17 30 30 

 Major appliances .................................................................................. 420 470 471 399 377 

 Small appliances, miscellaneous housewares .................................... 144 148 155 123 162 

 Miscellaneous household equipment ................................................... 1,548 3,411 1,170 1,090 1,240 

 Apparel and services .................................................................................. 2,247 2,958 2,128 1,896 2,393 

 Men and boys .......................................................................................... 536 670 535 433 605 

 Men, 16 and over ................................................................................. 317 413 300 242 379 

 Boys, 2 to 15 ........................................................................................ 219 257 235 190 226 

 Women and girls ..................................................................................... 872 1,096 767 725 1,023 

 Women, 16 and over ............................................................................ 675 856 573 526 857 

 Girls, 2 to 15 ......................................................................................... 197 240 194 199 166 

 Children under 2 ...................................................................................... 115 130 126 110 101 

 Footwear .................................................................................................. 503 651 473 464 482 

 Other apparel products and services ...................................................... 221 412 226 163 182 

 Transportation ............................................................................................ 13,139 12,736 13,347 12,664 13,978 

 Vehicle purchases (net outlay) ................................................................ 6,248 5,801 6,620 6,204 6,286 

 Cars and trucks, new ........................................................................... 2,740 3,116 2,739 2,684 2,577 

 Cars and trucks, used .......................................................................... 3,441 2,622 3,858 3,458 3,594 

 Other vehicles ...................................................................................... 66 363 323 362 115 

 Gasoline, other fuels, and motor oil ........................................................ 2,260 1,879 2,174 2,282 2,561 

 Other vehicle expenses ........................................................................... 4,037 4,158 4,022 3,795 4,355 

 Vehicle finance charges ....................................................................... 335 262 342 363 336 

 Maintenance and repairs ..................................................................... 978 900 1,006 941 1,064 

 Vehicle rental, leases, licenses, and other charges ............................ 964 1,401 1,142 595 1,098 

 Vehicle insurance ................................................................................. 1,760 1,595 1,533 1,896 1,857 

 Public and other transportation ............................................................... 594 898 531 384 776 

 Healthcare .................................................................................................. 4,700 4,688 5,053 4,736 4,332 

 Health insurance ..................................................................................... 3,252 3,426 3,511 3,356 2,735 

 Medical services ...................................................................................... 943 853 1,008 872 1,058 

 Drugs ....................................................................................................... 364 275 377 380 384 

 Medical supplies ...................................................................................... 142 134 157 129 155 

 Entertainment ............................................................................................. 3,657 3,929 3,491 3,035 4,571 

 Fees and admissions .............................................................................. 951 1,152 910 611 1,373 

 Audio and visual equipment and services............................................... 1,068 1,067 1,181 972 1,116 

 Pets, toys, hobbies, and playground equipment ..................................... 1,087 1,132 915 1,030 1,288 

 Pets ...................................................................................................... 802 835 656 770 953 

 Toys, hobbies, and playground equipment .......................................... 285 296 260 260 335 

 Other entertainment supplies, equipment, and services ........................ 551 578 485 422 795 

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 Surveys, 2019-2020 — Continued 

Item Total 

35-44 Northeast Midwest South West 

 Personal care products and services ......................................................... 824 805 811 796 894 

 Reading ...................................................................................................... 96 109 112 69 117 

 Education .................................................................................................... 1,174 1,343 969 1,160 1,267 

 Tobacco products and smoking supplies ................................................... 354 355 462 346 269 

 Miscellaneous ............................................................................................. 961 1,230 909 891 936 

 Cash contributions ...................................................................................... 2,029 1,560 1,934 1,457 3,346 

 Personal insurance and pensions .............................................................. 9,722 11,172 9,753 8,831 10,138 

 Life and other personal insurance ........................................................... 472 479 550 435 456 

 Pensions and Social Security.................................................................. 9,251 10,694 9,203 8,396 9,682 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $103,696 $121,865 $95,813 $95,196 $112,072 

 Wages and salaries ................................................................................. 93,248 110,828 86,817 85,106 100,144 

 Self-employment income ......................................................................... 6,891 7,474 5,732 6,454 8,235 

 Social Security, private and government retirement ............................... 1,158 1,018 999 1,282 1,198 

 Interest, dividends, rental income, other property income ...................... 786 1,045 836 600 862 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 526 494 410 556 605 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 859 846 643 1,049 760 

 Other income ........................................................................................... 228 3161 375 148 268 

 Personal taxes (contains some imputed values) ....................................... 12,608 17,936 11,070 9,715 15,008 

 Federal income taxes .............................................................................. 10,273 14,310 8,464 8,684 11,707 

 Stimulus payment (new UCC Q20202)# ................................................. -1,043 -1,072 -888 -1,096 -1,080 

 State and local income taxes .................................................................. 3,325 4,648 3,398 2,070 4,372 

 Other taxes .............................................................................................. 53 350 96 57 39 

 Income after taxes ...................................................................................... 91,088 103,929 84,742 85,480 97,065 

Addenda: 

 Net change in total assets and liabilities .................................................... $3,995 $15,154 -$5,681 $11,059 -$6,153 

 Net change in total assets ....................................................................... 33,044 41,896 21,677 35,484 33,369 

 Net change in total liabilities .................................................................... 29,049 26,742 27,358 24,425 39,522 

 Other financial information: 

 Other money receipts .............................................................................. 529 319 859 176 1,142 

 Mortgage principal paid on owned property ............................................ -2,925 -3,280 -2,609 -2,645 -3,417 

 Estimated market value of owned home ................................................. 208,865 230,619 171,105 166,675 295,528 

 Estimated monthly rental value of owned home ..................................... 1,146 1,269 1,003 1,068 1,314 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

3

 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