Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022

Item Total

55-64 Northeast Midwest South West

Number of consumer units (in thousands)1.................................................... 24,592 4,780 5,386 9,335 5,091 

Consumer unit characteristics:

 Income before taxes.................................................................................... $102,124 $124,903 $96,965 $87,816 $112,432 

 Income after taxes....................................................................................... 87,938 105,415 83,411 77,083 96,224 

 Age of reference person.............................................................................. 59.6 59.6 59.7 59.6 59.7 

 Average number in consumer unit:

 People ...................................................................................................... 2.2 2.3 2.1 2.2 2.4 

 Children under 18 .................................................................................... .2 .2 .2 .2 .2 

 Adults 65 and older.................................................................................. .1 .1 .1 .1 .1 

 Earners..................................................................................................... 1.4 1.6 1.4 1.3 1.5 

 Vehicles.................................................................................................... 2.1 2.0 2.3 2.1 2.2 

Percent distribution:

 Reference person:

 Men .......................................................................................................... 48 45 47 47 52 

 Women..................................................................................................... 52 55 53 53 48 

 Housing tenure:

 Homeowner.............................................................................................. 75 75 80 76 70 

 With mortgage ...................................................................................... 42 40 41 41 47 

 Without mortgage ................................................................................. 33 35 39 35 23 

 Renter ...................................................................................................... 25 25 20 24 30 

 Race of reference person:

 Black or African-American ....................................................................... 14 14 13 20 5 

 White, Asian, and all other races, not including Black or

 African-American .................................................................................. 86 86 87 80 95 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino .................................................................................... 12 11 4 13 22 

 Not Hispanic or Latino.............................................................................. 88 89 96 87 78 

 Education of reference person:

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

 High school (9-12).................................................................................... 30 32 30 34 23 

 College ..................................................................................................... 67 67 68 63 72 

 Never attended and other........................................................................ ( 2 ) ( 2 ) ( 3 ) ( 2 ) ( 2 ) 

 At least one vehicle owned or leased ......................................................... 91 86 92 92 93 

Average annual expenditures ........................................................................ $74,375 $82,785 $70,484 $66,700 $84,665 

 Food ............................................................................................................ 9,098 9,634 8,859 8,382 10,163 

 Food at home........................................................................................... 5,749 6,184 5,674 5,204 6,438 

 Cereals and bakery products................................................................ 689 793 697 596 760 

 Cereals and cereal products ............................................................. 199 210 222 171 216 

 Bakery products................................................................................. 490 583 475 424 543 

 Meats, poultry, fish, and eggs............................................................... 1,274 1,336 1,168 1,230 1,406 

 Beef ................................................................................................... 348 287 323 353 417 

 Pork ................................................................................................... 237 230 224 236 257 

 Other meats....................................................................................... 186 232 193 155 198 

 Poultry................................................................................................ 223 253 220 214 217 

 Fish and seafood............................................................................... 202 ( 2 ) 131 202 221 

 Eggs................................................................................................... 77 75 76 70 95 

 Dairy products....................................................................................... 527 582 504 462 619 

 Fresh milk and cream........................................................................ 166 191 150 138 211 

 Other dairy products.......................................................................... 361 391 354 325 409 

 Fruits and vegetables ........................................................................... 1,076 1,217 1,069 925 1,234 

 Fresh fruits......................................................................................... 399 452 405 329 472 

 Fresh vegetables ............................................................................... 338 369 309 285 436 

 Processed fruits................................................................................. 137 152 140 124 144 

 Processed vegetables ....................................................................... 202 244 216 187 182 

 Other food at home............................................................................... 2,184 2,257 2,236 1,991 2,420 

 Sugar and other sweets .................................................................... 199 211 233 173 203 

 Fats and oils ...................................................................................... 153 164 148 139 172 

 Miscellaneous foods.......................................................................... 1,133 1,213 1,147 1,010 1,275 

 Nonalcoholic beverages .................................................................... 605 568 615 588 655 

See footnotes at end of table.
Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

55-64 Northeast Midwest South West

 Food prepared by consumer unit on out of town trips ...................... 94 101 93 81 114 

 Food away from home ............................................................................. 3,348 3,450 3,185 3,178 3,725 

 Alcoholic beverages .................................................................................... 697 750 690 571 880 

 Housing ....................................................................................................... 23,570 27,312 20,645 20,686 28,434 

 Shelter...................................................................................................... 13,541 16,290 10,942 11,394 17,646 

 Owned dwellings................................................................................... 9,033 11,212 7,779 7,417 11,278 

 Mortgage interest and charges.......................................................... 3,159 3,010 2,185 2,642 5,279 

 Property taxes ................................................................................... 3,106 5,106 3,088 2,058 3,171 

 Maintenance, repairs, insurance, and other expenses ..................... 2,768 3,096 2,506 2,717 2,828 

 Rented dwellings .................................................................................. 3,022 3,033 1,666 2,876 4,715 

 Other lodging ........................................................................................ 1,486 2,045 1,498 1,102 1,653 

 Utilities, fuels, and public services ........................................................... 4,832 5,535 4,766 4,585 4,697 

 Natural gas............................................................................................ 563 869 787 318 487 

 Electricity............................................................................................... 1,752 1,733 1,544 1,954 1,618 

 Fuel oil and other fuels ......................................................................... 179 522 187 67 ( 2 ) 

 Telephone services............................................................................... 1,560 1,742 1,506 1,528 1,504 

 Residential phone service, VOIP, and phone cards ......................... 186 312 162 152 156 

 Cellular phone service....................................................................... 1,374 1,430 1,344 1,376 1,348 

 Water and other public services ........................................................... 779 670 742 718 1,033 

 Household operations.............................................................................. 1,465 1,720 1,241 1,283 1,794 

 Personal services ................................................................................. 64 4106 ( 2 ) ( 2 ) ( 2 ) 

 Other household expenses................................................................... 1,400 1,615 1,178 1,254 1,704 

 Housekeeping supplies............................................................................ 935 786 979 976 945 

 Laundry and cleaning supplies ............................................................. 191 145 185 206 208 

 Other household products .................................................................... 605 493 648 675 531 

 Postage and stationery......................................................................... 139 148 145 95 ( 2 ) 

 Household furnishings and equipment .................................................... 2,797 2,981 2,717 2,448 3,352 

 Household textiles ................................................................................ 148 141 ( 2 ) 141 134 

 Furniture................................................................................................ 697 803 580 627 847 

 Floor coverings ..................................................................................... 40 78 ( 2 ) ( 2 ) 44 

 Major appliances................................................................................... 520 516 517 461 639 

 Small appliances and miscellaneous housewares............................... 146 138 155 128 180 

 Miscellaneous household equipment ................................................... 1,246 1,305 1,256 1,065 1,507 

 Apparel and services................................................................................... 1,785 2,251 1,683 1,523 1,934 

 Men and boys........................................................................................... 375 419 340 362 393 

 Men, 16 and over.................................................................................. 329 387 297 304 355 

 Boys, 2 to 15......................................................................................... 46 ( 2 ) ( 2 ) 58 ( 2 ) 

 Women and girls ...................................................................................... 687 677 ( 2 ) 623 771 

 Women, 16 and over ............................................................................ 641 643 ( 2 ) 572 743 

 Girls, 2 to 15.......................................................................................... 46 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Children under 2 ...................................................................................... 26 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Footwear .................................................................................................. 357 362 320 340 422 

 Other apparel products and services....................................................... ( 2 ) ( 2 ) 270 167 328 

 Transportation ............................................................................................. 12,265 12,022 11,530 12,185 13,425 

 Vehicle purchases (net outlay) ................................................................ 4,794 4,103 4,367 5,278 5,006 

 Cars and trucks, new............................................................................ 2,377 2,089 ( 2 ) 2,779 ( 2 ) 

 Cars and trucks, used........................................................................... 2,347 1,989 2,203 2,477 2,598 

 Other vehicles....................................................................................... ( 2 ) ( 2 ) 4180 ( 2 ) ( 2 ) 

 Gasoline, other fuels, and motor oil......................................................... 2,850 2,597 2,705 2,884 3,179 

 Other vehicle expenses ........................................................................... 3,994 4,430 3,967 3,595 4,352 

 Vehicle finance charges ....................................................................... 303 255 287 324 328 

 Maintenance and repairs ...................................................................... 1,218 1,130 1,302 1,088 1,451 

 Vehicle rental, leases, licenses, and other charges ............................. 781 1,253 890 471 789 

 Vehicle insurance ................................................................................. 1,693 1,792 1,488 1,711 1,783 

 Public and other transportation................................................................ 627 892 491 428 889 

 Healthcare................................................................................................... 6,394 6,237 7,537 5,847 6,334 

 Health insurance ...................................................................................... 4,120 4,149 4,618 3,874 4,015 

 Medical services ...................................................................................... 1,309 1,313 1,325 1,194 1,500 

 Drugs........................................................................................................ 752 517 ( 2 ) 595 636 

 Medical supplies ...................................................................................... 213 257 256 183 184 

 Entertainment.............................................................................................. 3,698 3,437 4,161 3,250 4,278 

 Fees and admissions ............................................................................... 612 796 733 394 719 

 Audio and visual equipment and services ............................................... 1,142 1,197 1,080 1,157 1,120 

 Pets, toys, hobbies, and playground equipment ..................................... 979 818 1,138 827 1,246 

 Pets....................................................................................................... 832 732 895 691 1,120 

 Toys, hobbies, and playground equipment .......................................... 147 86 ( 2 ) 136 ( 2 ) 

See footnotes at end of table.
Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, 

Consumer Expenditure Surveys, 2021-2022 — Continued

Item Total

55-64 Northeast Midwest South West

 Other entertainment supplies, equipment, and services ......................... 966 ( 2 ) 1,209 ( 2 ) 1,193 

 Personal care products and services.......................................................... 853 933 833 710 1,064 

 Reading ....................................................................................................... 112 152 76 98 137 

 Education .................................................................................................... 1,496 2,307 1,352 ( 2 ) ( 2 ) 

 Tobacco products and smoking supplies.................................................... 505 417 650 507 428 

 Miscellaneous.............................................................................................. 1,064 1,146 897 934 1,402 

 Cash contributions ...................................................................................... 2,974 ( 2 ) 2,240 2,469 ( 2 ) 

 Personal insurance and pensions............................................................... 9,863 11,725 9,329 8,455 11,264 

 Life and other personal insurance ........................................................... 685 ( 2 ) 743 556 646 

 Pensions and Social Security .................................................................. 9,178 10,811 8,586 7,899 10,617 

Sources of income and personal taxes:

 Income before taxes.................................................................................... $102,124 $124,903 $96,965 $87,816 $112,432 

 Wages and salaries ................................................................................. 80,224 98,819 75,765 68,936 88,181 

 Self-employment income ......................................................................... 8,968 10,981 7,134 7,875 11,023 

 Social Security, private and government retirement................................ 7,490 7,570 8,374 7,308 6,815 

 Interest, dividends, rental income, and other property income ............... 3,315 4,894 3,796 1,928 3,869 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP).................................................. 738 897 789 643 711 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support.................................................... 1,128 ( 2 ) ( 2 ) 747 1,600 

 Other income............................................................................................ ( 2 ) ( 2 ) 115 ( 2 ) 234 

 Personal taxes (contains some imputed values)........................................ 14,186 19,488 13,554 10,733 16,208 

 Federal income taxes............................................................................... 11,872 15,670 11,306 9,571 13,124 

 Stimulus payment (new UCC Q20202)# ................................................. -1,096 -1,177 -1,105 -1,057 -1,083 

 State and local income taxes................................................................... 3,317 4,887 3,258 2,138 4,069 

 Other taxes............................................................................................... 93 ( 2 ) ( 2 ) 81 ( 2 ) 

 Income after taxes....................................................................................... 87,938 105,415 83,411 77,083 96,224 

Addenda:

 Net change in total assets and liabilities..................................................... ( 2 ) ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Net change in total assets ....................................................................... 38,008 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Net change in total liabilities .................................................................... 14,220 ( 2 ) ( 2 ) ( 2 ) ( 2 ) 

 Other financial information:

 Other money receipts............................................................................... ( 2 ) ( 2 ) 2,771 ( 2 ) ( 2 ) 

 Mortgage principal paid on owned property ............................................ -3,212 -3,304 -2,482 -2,654 -4,919 

 Estimated market value of owned home ................................................. 321,198 329,306 224,305 253,180 540,811 

 Estimated monthly rental value of owned home...................................... 1,581 1,722 1,353 1,434 1,960 

1

 Data are rounded to the nearest thousands.

2

 Data are suppressed due to the Relative Standard Error (RSE) being equal to or greater than 25 percent. See www.bls.gov/cex/tables-getting-started-guide.htm for more information.

3

 No data reported.

4

 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, 2023