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

Consumer Expenditure Surveys, 2021-2022

Item Total

35-44 Northeast Midwest South West

Number of consumer units (in thousands)1.................................................... 22,867 4,158 4,501 8,762 5,446 

Consumer unit characteristics:

 Income before taxes.................................................................................... $113,151 $123,027 $115,042 $102,036 $121,931 

 Income after taxes....................................................................................... 100,690 107,138 102,795 92,557 107,112 

 Age of reference person.............................................................................. 39.4 39.4 39.5 39.5 39.3 

 Average number in consumer unit:

 People ...................................................................................................... 3.3 3.3 3.4 3.2 3.4 

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

 Adults 65 and older.................................................................................. ( 2 ) ( 3 ) ( 2 ) ( 2 ) .1 

 Earners..................................................................................................... 1.6 1.6 1.8 1.6 1.6 

 Vehicles.................................................................................................... 1.9 1.7 2.2 1.9 2.1 

Percent distribution:

 Reference person:

 Men .......................................................................................................... 49 50 49 49 50 

 Women..................................................................................................... 51 50 51 51 50 

 Housing tenure:

 Homeowner.............................................................................................. 61 56 72 64 51 

 With mortgage ...................................................................................... 50 48 60 50 44 

 Without mortgage ................................................................................. 11 8 13 13 8 

 Renter ...................................................................................................... 39 44 28 36 49 

 Race of reference person:

 Black or African-American ....................................................................... 15 15 12 22 6 

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

 African-American .................................................................................. 85 85 88 78 94 

 Hispanic or Latino origin of reference person:

 Hispanic or Latino .................................................................................... 19 19 10 19 27 

 Not Hispanic or Latino.............................................................................. 81 81 90 81 73 

 Education of reference person:

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

 High school (9-12).................................................................................... 25 26 23 27 21 

 College ..................................................................................................... 72 71 72 71 75 

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

 At least one vehicle owned or leased ......................................................... 91 84 93 93 93 

Average annual expenditures ........................................................................ $83,004 $91,801 $81,501 $74,525 $91,335 

 Food ............................................................................................................ 10,427 11,616 9,799 9,480 11,651 

 Food at home........................................................................................... 6,493 7,411 6,130 5,833 7,224 

 Cereals and bakery products................................................................ 822 1,022 796 693 911 

 Cereals and cereal products ............................................................. 269 316 255 234 306 

 Bakery products................................................................................. 553 706 541 459 606 

 Meats, poultry, fish, and eggs............................................................... 1,374 1,503 1,183 1,329 1,519 

 Beef ................................................................................................... 356 340 299 374 390 

 Pork ................................................................................................... 278 282 236 276 316 

 Other meats....................................................................................... 178 232 185 147 183 

 Poultry................................................................................................ 260 268 226 262 280 

 Fish and seafood............................................................................... 204 275 153 184 232 

 Eggs................................................................................................... 97 105 85 86 118 

 Dairy products....................................................................................... 600 676 610 517 671 

 Fresh milk and cream........................................................................ 198 223 203 171 222 

 Other dairy products.......................................................................... 402 454 408 346 450 

 Fruits and vegetables ........................................................................... 1,281 1,568 1,129 1,113 1,480 

 Fresh fruits......................................................................................... 464 595 401 388 546 

 Fresh vegetables ............................................................................... 418 512 357 353 509 

 Processed fruits................................................................................. 168 182 152 158 187 

 Processed vegetables ....................................................................... 232 279 219 214 238 

 Other food at home............................................................................... 2,416 2,642 2,413 2,181 2,642 

 Sugar and other sweets .................................................................... 211 232 206 200 220 

 Fats and oils ...................................................................................... 170 189 163 159 179 

 Miscellaneous foods.......................................................................... 1,288 1,402 1,281 1,109 1,505 

 Nonalcoholic beverages .................................................................... 649 721 643 632 629 

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, 2021-2022 — Continued

Item Total

35-44 Northeast Midwest South West

 Food prepared by consumer unit on out of town trips ...................... 99 99 120 81 108 

 Food away from home ............................................................................. 3,933 4,205 3,669 3,647 4,427 

 Alcoholic beverages .................................................................................... 733 885 720 618 822 

 Housing ....................................................................................................... 27,655 31,087 24,942 24,559 32,284 

 Shelter...................................................................................................... 16,399 18,719 14,007 14,048 20,389 

 Owned dwellings................................................................................... 9,437 10,384 9,856 8,337 10,140 

 Mortgage interest and charges.......................................................... 4,463 4,483 4,221 3,966 5,449 

 Property taxes ................................................................................... 2,697 3,832 3,061 2,098 2,495 

 Maintenance, repairs, insurance, and other expenses ..................... 2,277 2,069 2,574 2,273 2,196 

 Rented dwellings .................................................................................. 5,909 7,067 3,166 4,732 9,186 

 Other lodging ........................................................................................ 1,053 1,267 985 979 1,063 

 Utilities, fuels, and public services ........................................................... 4,740 4,981 4,736 4,732 4,570 

 Natural gas............................................................................................ 514 729 871 284 425 

 Electricity............................................................................................... 1,734 1,677 1,550 1,963 1,560 

 Fuel oil and other fuels ......................................................................... 106 358 ( 3 ) ( 3 ) ( 3 ) 

 Telephone services............................................................................... 1,626 1,639 1,527 1,659 1,643 

 Residential phone service, VOIP, and phone cards ......................... 79 137 66 76 49 

 Cellular phone service....................................................................... 1,547 1,502 1,461 1,583 1,594 

 Water and other public services ........................................................... 761 577 721 780 903 

 Household operations.............................................................................. 2,650 3,185 2,492 2,354 2,850 

 Personal services ................................................................................. 1,266 1,701 1,231 1,001 1,388 

 Other household expenses................................................................... 1,384 1,484 1,261 1,353 1,462 

 Housekeeping supplies............................................................................ 792 917 750 657 957 

 Laundry and cleaning supplies ............................................................. 188 159 206 181 207 

 Other household products .................................................................... 499 673 451 383 604 

 Postage and stationery......................................................................... 104 85 92 93 147 

 Household furnishings and equipment .................................................... 3,074 3,284 2,956 2,769 3,517 

 Household textiles ................................................................................ 113 98 ( 3 ) 89 177 

 Furniture................................................................................................ 893 816 985 853 941 

 Floor coverings ..................................................................................... 40 ( 3 ) ( 3 ) ( 3 ) ( 3 ) 

 Major appliances................................................................................... 533 591 511 497 562 

 Small appliances and miscellaneous housewares............................... 152 201 133 114 193 

 Miscellaneous household equipment ................................................... 1,344 1,535 1,179 1,184 1,604 

 Apparel and services................................................................................... 2,470 2,786 2,495 2,221 2,613 

 Men and boys........................................................................................... 649 892 657 604 539 

 Men, 16 and over.................................................................................. 389 ( 3 ) 419 335 343 

 Boys, 2 to 15......................................................................................... 261 ( 3 ) 238 269 197 

 Women and girls ...................................................................................... 851 785 886 768 1,002 

 Women, 16 and over ............................................................................ 613 589 567 553 764 

 Girls, 2 to 15.......................................................................................... 238 196 318 215 238 

 Children under 2 ...................................................................................... 114 ( 3 ) ( 3 ) 114 ( 3 ) 

 Footwear .................................................................................................. 528 514 568 523 510 

 Other apparel products and services....................................................... 328 437 259 212 487 

 Transportation ............................................................................................. 14,782 14,449 14,386 14,352 16,057 

 Vehicle purchases (net outlay) ................................................................ 6,538 6,373 6,330 6,446 6,981 

 Cars and trucks, new............................................................................ 3,309 ( 3 ) 3,022 3,046 3,896 

 Cars and trucks, used........................................................................... 3,140 2,952 3,104 3,342 2,986 

 Other vehicles....................................................................................... ( 3 ) ( 3 ) ( 3 ) ( 3 ) ( 3 ) 

 Gasoline, other fuels, and motor oil......................................................... 3,192 2,643 3,213 3,243 3,511 

 Other vehicle expenses ........................................................................... 4,225 4,436 4,092 3,978 4,570 

 Vehicle finance charges ....................................................................... 387 351 391 402 389 

 Maintenance and repairs ...................................................................... 1,189 1,076 1,324 1,115 1,284 

 Vehicle rental, leases, licenses, and other charges ............................. 964 1,434 926 682 1,092 

 Vehicle insurance ................................................................................. 1,684 1,574 1,451 1,779 1,805 

 Public and other transportation................................................................ 828 997 750 685 995 

 Healthcare................................................................................................... 5,235 5,459 6,067 4,991 4,768 

 Health insurance ...................................................................................... 3,358 3,449 3,791 3,322 2,990 

 Medical services ...................................................................................... 1,318 1,492 1,624 1,166 1,178 

 Drugs........................................................................................................ 407 367 452 389 428 

 Medical supplies ...................................................................................... 151 150 201 113 172 

 Entertainment.............................................................................................. 4,315 4,971 4,793 3,236 5,175 

 Fees and admissions ............................................................................... 1,212 ( 3 ) 1,342 837 1,215 

 Audio and visual equipment and services ............................................... 1,062 1,120 1,053 991 1,139 

 Pets, toys, hobbies, and playground equipment ..................................... 1,159 1,343 1,158 854 1,527 

 Pets....................................................................................................... 892 ( 3 ) 850 672 ( 3 ) 

 Toys, hobbies, and playground equipment .......................................... 266 326 308 182 325 

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, 2021-2022 — Continued

Item Total

35-44 Northeast Midwest South West

 Other entertainment supplies, equipment, and services ......................... 882 649 ( 3 ) 554 ( 3 ) 

 Personal care products and services.......................................................... 926 1,140 920 819 948 

 Reading ....................................................................................................... 102 112 86 77 149 

 Education .................................................................................................... 1,164 ( 3 ) 1,373 991 808 

 Tobacco products and smoking supplies.................................................... 419 428 540 414 320 

 Miscellaneous.............................................................................................. 1,121 ( 3 ) 988 976 1,218 

 Cash contributions ...................................................................................... 1,975 ( 3 ) 1,507 1,731 ( 3 ) 

 Personal insurance and pensions............................................................... 11,680 13,052 12,885 10,058 12,246 

 Life and other personal insurance ........................................................... 518 471 502 443 ( 3 ) 

 Pensions and Social Security .................................................................. 11,162 12,581 12,383 9,616 11,556 

Sources of income and personal taxes:

 Income before taxes.................................................................................... $113,151 $123,027 $115,042 $102,036 $121,931 

 Wages and salaries ................................................................................. 101,550 109,761 103,242 91,912 109,390 

 Self-employment income ......................................................................... 7,396 8,293 8,427 6,698 6,980 

 Social Security, private and government retirement................................ 1,025 1,163 999 1,017 954 

 Interest, dividends, rental income, and other property income ............... 1,140 ( 3 ) 881 ( 3 ) ( 3 ) 

 Public assistance, Supplemental Security Income, Supplementary

 Nutrition Assistance Program (SNAP).................................................. 823 1,183 643 762 796 

 Unemployment and workers' compensation, veterans' benefits,

 and regular contributions for support.................................................... 1,026 1,134 726 617 1,849 

 Other income............................................................................................ 191 212 ( 3 ) ( 3 ) 195 

 Personal taxes (contains some imputed values)........................................ 12,461 15,889 12,247 9,479 14,819 

 Federal income taxes............................................................................... 10,378 12,534 9,883 8,504 12,155 

 Stimulus payment (new UCC Q20202)# ................................................. -1,677 -1,447 -1,766 -1,703 -1,735 

 State and local income taxes................................................................... 3,673 4,690 4,057 2,604 4,298 

 Other taxes............................................................................................... 87 ( 3 ) 74 74 ( 3 ) 

 Income after taxes....................................................................................... 100,690 107,138 102,795 92,557 107,112 

Addenda:

 Net change in total assets and liabilities..................................................... ( 3 ) ( 3 ) ( 3 ) ( 3 ) ( 3 ) 

 Net change in total assets ....................................................................... 38,965 34,548 ( 3 ) 28,391 59,355 

 Net change in total liabilities .................................................................... 36,292 ( 3 ) 36,249 22,276 54,231 

 Other financial information:

 Other money receipts............................................................................... ( 3 ) ( 3 ) ( 3 ) ( 3 ) ( 3 ) 

 Mortgage principal paid on owned property ............................................ -3,492 -3,730 -4,070 -3,028 -3,581 

 Estimated market value of owned home ................................................. 265,090 263,097 242,426 223,873 351,657 

 Estimated monthly rental value of owned home...................................... 1,337 1,401 1,340 1,253 1,421 

1

 Data are rounded to the nearest thousands.

2

 Value is too small to display.

3

 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.

# 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