Table 3840. Consumer units with reference person age 55 to 64 by region of residence:

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2008-2009

Item Total

55-64 Northeast Midwest South West

Number of consumer units (in thousands) ....... 20,279 4,038 4,518 7,212 4,511 

Consumer unit characteristics: 

Income before taxes ..................................... $71,120 $82,638 $72,266 $61,498 $75,044 

Income after taxes ........................................ 68,282 78,600 69,308 59,527 72,015 

Age of reference person ................................ 59.2 59.2 59.1 59.2 59.3 

Average number in consumer unit:

Persons ........................................................ 2.1 2.1 2.0 2.1 2.2 

Children under 18 ........................................ .2 .1 .1 .2 .2 

Persons 65 and older ................................... .1 .1 .1 .1 .1 

Earners ........................................................ 1.3 1.4 1.4 1.2 1.4 

Vehicles ....................................................... 2.2 2.0 2.4 2.1 2.4 

Percent distribution:

Sex of reference person:

Male ............................................................. 49 46 50 47 52 

Female ......................................................... 51 54 50 53 48 

Housing tenure:

Homeowner .................................................. 81 80 84 82 78 

With mortgage ............................................ 47 46 46 43 54 

Without mortgage ....................................... 34 34 39 38 24 

Renter .......................................................... 19 20 16 18 22 

Race of reference person:

Black or African-American ........................... 11 9 8 17 5 

White, Asian, and all other races ................. 89 91 92 83 95 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 8 6 3 10 13 

Not Hispanic or Latino .................................. 92 94 97 90 87 

Education of reference person:

Elementary (1-8) .......................................... 4 4 2 5 5 

High school (9-12) ........................................ 33 35 34 37 22 

College ......................................................... 63 61 63 57 73 

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

At least one vehicle owned or leased ............ 92 86 94 93 94 

Average annual expenditures .......................... $53,602 $59,740 $52,023 $48,695 $57,588 

Food ............................................................... 6,330 7,100 5,795 6,055 6,662 

Food at home ............................................... 3,694 3,995 3,444 3,565 3,908 

Cereals and bakery products ..................... 478 565 457 451 471 

Cereals and cereal products .................... 152 173 147 140 159 

Bakery products ....................................... 326 391 310 310 313 

Meats, poultry, fish, and eggs .................... 847 944 689 898 837 

Beef .......................................................... 242 251 196 264 246 

Pork .......................................................... 166 170 148 181 154 

Other meats ............................................. 106 134 100 102 94 

Poultry ...................................................... 150 175 113 159 150 

Fish and seafood ..................................... 135 166 92 143 139 

Eggs ......................................................... 48 48 39 48 55 

Dairy products ............................................ 402 443 398 384 403 

Fresh milk and cream .............................. 140 149 130 141 138 

Other dairy products ................................ 263 293 268 242 266 

Fruits and vegetables ................................. 673 720 602 617 804 

Fresh fruits ............................................... 229 228 206 206 294 

Fresh vegetables ..................................... 227 251 184 204 293 

Processed fruits ....................................... 108 124 106 96 117 

Processed vegetables .............................. 109 117 106 111 100 

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 Survey,

2008-2009 — Continued

Item Total

55-64 Northeast Midwest South West

Other food at home .................................... $1,293 $1,325 $1,299 $1,216 $1,392 

Sugar and other sweets ........................... 141 146 151 131 143 

Fats and oils ............................................. 106 114 100 104 110 

Miscellaneous foods ................................ 650 653 683 600 703 

Nonalcoholic beverages ........................... 325 328 308 330 331 

Food prepared by consumer unit on

out-of-town trips ..................................... 71 85 57 51 104 

Food away from home ................................. 2,636 3,105 2,351 2,490 2,754 

Alcoholic beverages ....................................... 482 515 417 448 577 

Housing .......................................................... 17,295 19,860 16,043 15,442 19,215 

Shelter .......................................................... 9,932 11,941 9,027 8,259 11,713 

Owned dwellings ........................................ 7,265 8,584 6,922 6,177 8,169 

Mortgage interest and charges ................ 3,480 3,467 2,834 3,037 4,846 

Property taxes .......................................... 2,259 3,494 2,567 1,594 1,906 

Maintenance, repairs, insurance, other

expenses ................................................ 1,527 1,623 1,520 1,546 1,417 

Rented dwellings ........................................ 1,588 1,856 1,182 1,299 2,217 

Other lodging ............................................. 1,078 1,500 924 782 1,328 

Utilities, fuels, and public services ............... 3,934 4,532 3,867 3,845 3,608 

Natural gas ................................................. 566 825 845 306 470 

Electricity .................................................... 1,472 1,405 1,247 1,784 1,257 

Fuel oil and other fuels ............................... 215 635 184 80 84 

Telephone services .................................... 1,164 1,229 1,135 1,163 1,137 

Water and other public services ................. 518 439 456 512 660 

Household operations .................................. 875 897 720 837 1,068 

Personal services ....................................... 87 240 286 108 97 

Other household expenses ........................ 788 857 634 729 972 

Housekeeping supplies ................................ 785 752 738 833 776 

Laundry and cleaning supplies .................. 155 150 151 174 130 

Other household products .......................... 446 441 432 494 380 

Postage and stationery .............................. 184 161 156 165 266 

Household furnishings and equipment ......... 1,770 1,738 1,691 1,667 2,049 

Household textiles ...................................... 156 125 123 146 236 

Furniture ..................................................... 370 390 287 381 416 

Floor coverings .......................................... 48 58 77 34 34 

Major appliances ........................................ 271 246 280 272 281 

Small appliances, miscellaneous

housewares .............................................. 135 131 119 108 201 

Miscellaneous household equipment ......... 790 788 805 726 881 

Apparel and services ..................................... 1,606 1,795 1,248 1,618 1,786 

Men and boys .............................................. 363 414 248 356 447 

Men, 16 and over ....................................... 327 369 212 319 423 

Boys, 2 to 15 .............................................. 36 45 36 37 24 

Women and girls .......................................... 668 686 560 689 726 

Women, 16 and over .................................. 605 645 507 607 668 

Girls, 2 to 15 ............................................... 63 42 52 82 58 

Children under 2 .......................................... 56 77 50 53 49 

Footwear ...................................................... 256 299 197 268 261 

Other apparel products and services ........... 264 319 193 253 303 

Transportation ................................................ 8,842 9,938 9,162 8,419 8,199 

Vehicle purchases (net outlay) ..................... 2,873 3,151 3,598 2,694 2,183 

Cars and trucks, new ................................. 1,598 1,976 1,747 1,592 1,121 

Cars and trucks, used ................................ 1,156 1,068 1,715 980 957 

Other vehicles ............................................ 118 2108 2136 121 2105 

Gasoline and motor oil ................................. 2,438 2,263 2,442 2,526 2,448 

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 Survey,

2008-2009 — Continued

Item Total

55-64 Northeast Midwest South West

Other vehicle expenses ............................... $2,946 $3,678 $2,651 $2,793 $2,812 

Vehicle finance charges ............................. 300 259 282 356 264 

Maintenance and repairs ........................... 855 935 843 685 1,068 

Vehicle insurance ....................................... 1,266 1,652 975 1,449 898 

Vehicle rental, leases, licenses, and other

charges .................................................... 526 832 551 303 582 

Public transportation .................................... 586 845 472 405 757 

Healthcare ...................................................... 3,860 3,575 3,959 3,672 4,320 

Health insurance .......................................... 1,982 1,961 2,086 1,873 2,069 

Medical services .......................................... 1,038 865 1,011 928 1,397 

Drugs ........................................................... 696 592 703 744 708 

Medical supplies .......................................... 144 157 158 126 147 

Entertainment ................................................. 2,970 2,915 3,069 2,664 3,418 

Fees and admissions ................................... 636 769 506 550 786 

Audio and visual equipment and services .... 1,067 1,092 1,137 1,013 1,065 

Pets, toys, hobbies, and playground

equipment .................................................. 753 645 734 731 906 

Other entertainment supplies, equipment,

and services ............................................... 513 409 691 370 661 

Personal care products and services ............. 623 668 550 603 691 

Reading .......................................................... 152 192 145 118 178 

Education ....................................................... 936 1,706 859 623 826 

Tobacco products and smoking supplies ....... 383 412 383 426 288 

Miscellaneous ................................................ 1,130 1,129 926 1,076 1,415 

Cash contributions ......................................... 2,127 2,117 2,315 1,881 2,339 

Personal insurance and pensions .................. 6,867 7,818 7,153 5,651 7,672 

Life and other personal insurance ................ 482 530 443 519 418 

Pensions and Social Security ...................... 6,385 7,288 6,710 5,132 7,253 

Sources of income and personal taxes: 

Money income before taxes ........................... 71,120 82,638 72,266 61,498 75,044 

Wages and salaries ..................................... 53,978 64,832 55,733 45,663 55,797 

Self-employment income ............................. 4,985 5,882 5,212 3,249 6,732 

Social Security, private and government

retirement ................................................... 8,538 7,601 7,574 9,963 8,065 

Interest, dividends, rental income, other

property income ......................................... 2,225 2,914 2,380 1,403 2,767 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 512 555 779 311 526 

Public assistance, supplemental security

income, food stamps .................................. 491 442 326 519 654 

Regular contributions for support ................. 243 201 164 270 315 

Other income ............................................... 148 211 98 120 187 

Personal taxes ............................................... 2,838 4,038 2,958 1,971 3,029 

Federal income taxes ................................... 2,274 2,941 2,338 1,751 2,449 

2008 Tax stimulus (new UCC Q20082) (thru

Q20091) ..................................................... -372 -362 -405 -361 -366 

State and local income taxes ....................... 662 1,023 745 378 710 

Other taxes .................................................. 274 436 280 204 236 

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 Survey,

2008-2009 — Continued

Item Total

55-64 Northeast Midwest South West

Income after taxes ......................................... 68,282 78,600 69,308 59,527 72,015 

Addenda:

Net change in total assets and liabilities ........ - $2,977 - $4,600 - $3,671 $916 - $7,051 

Net change in total assets ............................ 4,459 6,686 3,529 3,173 5,455 

Net change in total liabilities ........................ 7,436 11,285 7,201 2,257 12,506 

Other financial information:

Other money receipts ................................... 1,019 1,053 1,143 947 982 

Mortgage principal paid on owned property -2,910 -2,946 -2,843 -2,368 -3,812 

Estimated market value of owned home ...... 214,792 247,295 169,757 173,166 297,350 

Estimated monthly rental value of owned

home .......................................................... 1,079 1,199 966 976 1,248 

Gifts of goods and services ............................ 1,665 2,264 1,596 1,337 1,731 

Food ............................................................. 162 214 189 145 114 

Alcoholic beverages ..................................... 15 24 12 13 12 

Housing ........................................................ 309 401 309 254 321 

Housekeeping supplies .............................. 46 53 41 29 76 

Household textiles ...................................... 12 12 13 13 11 

Appliances and miscellaneous

housewares .............................................. 26 15 25 31 29 

Major appliances ...................................... 10 24 5 15 12 

Small appliances and miscellaneous

housewares ............................................ 16 11 20 16 17 

Miscellaneous household equipment ......... 63 87 62 47 69 

Other housing ............................................ 162 234 168 134 137 

Apparel and services ................................... 260 316 224 270 232 

Males, 2 and over ...................................... 61 87 43 61 54 

Females, 2 and over .................................. 96 109 76 96 104 

Children under 2 ........................................ 51 73 44 47 43 

Other apparel products and services ......... 54 47 60 66 31 

Jewelry and watches ................................ 17 17 16 25 8 

All other apparel products and services ... 36 31 44 41 223 

Transportation .............................................. 114 88 112 71 210 

Healthcare .................................................... 35 212 42 12 85 

Entertainment ............................................... 156 149 158 158 158 

Toys, games, arts and crafts, and tricycles 46 47 67 40 233 

Other entertainment ................................... 110 102 91 118 124 

Personal care products and services ........... 12 5 8 17 14 

Reading ........................................................ 1 3 1 1 21 

Education ..................................................... 478 886 425 303 448 

All other gifts ................................................ 122 166 117 92 135 

1 Value is less than or equal to 0.5. 2 Data are likely to have large sampling errors.

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, October, 2010