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

and characteristics, Consumer Expenditure Surveys, 2019-2020

Item Total 

55-64 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 24,834 4,414 5,408 9,353 5,660 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $97,209 $108,562 $87,912 $94,749 $101,306 

 Income after taxes ...................................................................................... 80,491 91,798 75,676 75,939 83,796 

 Age of reference person ............................................................................. 59.6 59.7 59.6 59.7 59.4 

 Average number in consumer unit: 

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

 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 ................................................................................................... 2.2 2.0 2.5 2.1 2.2 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 48 49 47 45 52 

 Women .................................................................................................... 52 51 53 55 48 

 Housing tenure: 

 Homeowner ............................................................................................. 74 72 77 75 71 

 With mortgage ...................................................................................... 42 42 40 40 45 

 Without mortgage ................................................................................. 33 31 37 35 26 

 Renter ...................................................................................................... 26 28 23 25 29 

 Race of reference person: 

 Black or African-American ....................................................................... 13 12 11 20 3 

 White, Asian, and all other races ............................................................ 87 88 89 80 97 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 11 11 4 10 20 

 Not Hispanic or Latino ............................................................................. 89 89 96 90 80 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 30 32 31 34 22 

 College .................................................................................................... 67 66 68 64 72 

 Never attended and other ....................................................................... ( 2 ) ( 2 ) ( 3 ) ( 2 ) 1 

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

Average annual expenditures ........................................................................ $67,192 $77,641 $64,266 $60,155 $73,633 

 Food ............................................................................................................ 7,929 8,850 7,200 7,256 9,157 

 Food at home .......................................................................................... 5,085 5,718 4,586 4,692 5,821 

 Cereals and bakery products ............................................................... 632 729 564 597 685 

 Cereals and cereal products ............................................................. 201 239 188 177 224 

 Bakery products ................................................................................ 432 489 376 420 462 

 Meats, poultry, fish, and eggs .............................................................. 1,124 1,283 999 1,063 1,233 

 Beef ................................................................................................... 306 344 294 282 331 

 Pork ................................................................................................... 231 203 239 250 213 

 Other meats ...................................................................................... 146 188 143 131 138 

 Poultry ............................................................................................... 200 246 155 184 241 

 Fish and seafood .............................................................................. 177 231 117 163 222 

 Eggs .................................................................................................. 63 69 52 54 87 

 Dairy products ...................................................................................... 478 587 454 406 545 

 Fresh milk and cream ....................................................................... 146 173 134 128 169 

 Other dairy products ......................................................................... 333 413 321 278 376 

 Fruits and vegetables ........................................................................... 965 1,138 835 855 1,166 

 Fresh fruits ........................................................................................ 349 391 283 307 471 

 Fresh vegetables .............................................................................. 322 406 271 275 390 

 Processed fruits ................................................................................ 119 150 111 103 129 

 Processed vegetables ...................................................................... 175 191 170 170 177 

 Other food at home .............................................................................. 1,885 1,982 1,734 1,770 2,192 

 Sugar and other sweets .................................................................... 171 191 166 151 200 

 Fats and oils ...................................................................................... 134 157 113 125 155 

 Miscellaneous foods ......................................................................... 1,000 1,005 900 982 1,151 

 Nonalcoholic beverages ................................................................... 507 544 484 458 596 

 Food prepared by consumer unit on out-of-town trips ..................... 72 85 72 55 90 

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, 2019-2020 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Food away from home............................................................................. 2,845 3,132 2,614 2,564 3,336 

 Alcoholic beverages ................................................................................... 638 882 588 504 721 

 Housing ....................................................................................................... 21,287 25,112 19,380 18,818 24,206 

 Shelter ..................................................................................................... 12,229 15,446 10,582 10,087 14,835 

 Owned dwellings .................................................................................. 8,098 10,071 7,472 6,777 9,343 

 Mortgage interest and charges ......................................................... 2,855 2,980 2,134 2,484 4,059 

 Property taxes ................................................................................... 2,805 4,690 2,920 1,890 2,738 

 Maintenance, repairs, insurance, other expenses ........................... 2,438 2,401 2,417 2,403 2,545 

 Rented dwellings .................................................................................. 2,910 3,775 1,881 2,347 4,148 

 Other lodging ........................................................................................ 1,221 1,601 1,229 963 1,344 

 Utilities, fuels, and public services .......................................................... 4,455 4,972 4,315 4,315 4,416 

 Natural gas ........................................................................................... 452 682 612 275 413 

 Electricity .............................................................................................. 1,614 1,611 1,444 1,831 1,419 

 Fuel oil and other fuels ......................................................................... 132 411 113 56 56 

 Telephone services .............................................................................. 1,533 1,750 1,491 1,438 1,563 

 Residential phone service, VOIP, and phone cards ......................... 223 353 215 203 164 

 Cellular phone service ...................................................................... 1,310 1,397 1,276 1,236 1,398 

 Water and other public services .......................................................... 723 517 655 714 964 

 Household operations ............................................................................. 1,247 1,268 1,026 1,252 1,433 

 Personal services ................................................................................. 62 448 416 479 488 

 Other household expenses .................................................................. 1,185 1,221 1,011 1,173 1,346 

 Housekeeping supplies ........................................................................... 954 963 1,108 869 941 

 Laundry and cleaning supplies ............................................................ 194 169 172 196 238 

 Other household products .................................................................... 601 639 735 530 553 

 Postage and stationery ........................................................................ 159 154 201 143 150 

 Household furnishings and equipment .................................................... 2,402 2,463 2,349 2,295 2,581 

 Household textiles ................................................................................ 166 131 163 193 152 

 Furniture ............................................................................................... 553 532 387 622 615 

 Floor coverings ..................................................................................... 26 28 28 23 26 

 Major appliances .................................................................................. 364 341 318 384 394 

 Small appliances, miscellaneous housewares .................................... 141 143 161 120 153 

 Miscellaneous household equipment ................................................... 1,152 1,288 1,292 953 1,240 

 Apparel and services .................................................................................. 1,515 1,941 1,461 1,232 1,728 

 Men and boys .......................................................................................... 335 352 225 311 490 

 Men, 16 and over ................................................................................. 287 304 182 263 435 

 Boys, 2 to 15 ........................................................................................ 48 48 43 47 55 

 Women and girls ..................................................................................... 564 669 575 470 640 

 Women, 16 and over ............................................................................ 511 581 517 435 589 

 Girls, 2 to 15 ......................................................................................... 53 89 57 35 51 

 Children under 2 ...................................................................................... 49 457 81 32 438 

 Footwear .................................................................................................. 339 618 294 236 321 

 Other apparel products and services ...................................................... 228 245 286 183 238 

 Transportation ............................................................................................ 10,746 10,617 11,203 9,796 11,982 

 Vehicle purchases (net outlay) ................................................................ 4,539 3,993 4,974 4,215 5,086 

 Cars and trucks, new ........................................................................... 2,337 1,833 2,753 2,345 2,320 

 Cars and trucks, used .......................................................................... 2,162 2,080 2,199 1,836 2,726 

 Other vehicles ...................................................................................... 41 480 422 434 439 

 Gasoline, other fuels, and motor oil ........................................................ 1,935 1,834 1,840 1,849 2,246 

 Other vehicle expenses ........................................................................... 3,685 4,072 3,733 3,358 3,883 

 Vehicle finance charges ....................................................................... 253 237 248 270 242 

 Maintenance and repairs ..................................................................... 1,009 1,045 1,156 853 1,101 

 Vehicle rental, leases, licenses, and other charges ............................ 751 1,126 868 480 795 

 Vehicle insurance ................................................................................. 1,672 1,664 1,461 1,755 1,745 

 Public and other transportation ............................................................... 587 718 656 375 767 

 Healthcare .................................................................................................. 5,820 5,922 6,313 5,625 5,606 

 Health insurance ..................................................................................... 3,881 3,872 4,166 3,867 3,638 

 Medical services ...................................................................................... 1,176 1,310 1,327 1,029 1,170 

 Drugs ....................................................................................................... 577 512 614 589 583 

 Medical supplies ...................................................................................... 186 228 205 140 215 

 Entertainment ............................................................................................. 3,830 4,645 4,030 3,497 3,517 

 Fees and admissions .............................................................................. 829 697 475 1,194 608 

 Audio and visual equipment and services............................................... 1,130 1,117 1,098 1,120 1,196 

 Pets, toys, hobbies, and playground equipment ..................................... 1,055 818 1,575 871 1,054 

 Pets ...................................................................................................... 942 758 1,412 801 861 

 Toys, hobbies, and playground equipment .......................................... 113 60 163 71 192 

 Other entertainment supplies, equipment, and services ........................ 815 2,013 882 312 659 

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, 2019-2020 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Personal care products and services ......................................................... 730 829 705 676 767 

 Reading ...................................................................................................... 99 79 103 105 99 

 Education .................................................................................................... 1,518 3,291 813 1,024 1,625 

 Tobacco products and smoking supplies ................................................... 392 376 407 467 270 

 Miscellaneous ............................................................................................. 1,081 1,037 899 1,041 1,370 

 Cash contributions ...................................................................................... 2,771 3,780 2,456 2,237 3,167 

 Personal insurance and pensions .............................................................. 8,837 10,279 8,708 7,878 9,420 

 Life and other personal insurance ........................................................... 705 836 670 673 689 

 Pensions and Social Security.................................................................. 8,132 9,443 8,037 7,205 8,731 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $97,209 $108,562 $87,912 $94,749 $101,306 

 Wages and salaries ................................................................................. 77,001 86,347 68,478 75,980 79,545 

 Self-employment income ......................................................................... 8,823 10,862 7,213 8,731 8,925 

 Social Security, private and government retirement ............................... 7,199 6,666 7,302 7,230 7,463 

 Interest, dividends, rental income, other property income ...................... 2,546 2,848 3,416 1,235 3,646 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 551 506 715 478 551 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 830 984 543 919 839 

 Other income ........................................................................................... 259 349 245 178 337 

 Personal taxes (contains some imputed values) ....................................... 16,718 16,764 12,236 18,809 17,509 

 Federal income taxes .............................................................................. 14,212 13,381 10,108 16,936 14,281 

 Stimulus payment (new UCC Q20202)# ................................................. -946 -924 -961 -967 -915 

 State and local income taxes .................................................................. 3,346 4,216 2,973 2,744 4,020 

 Other taxes .............................................................................................. 106 91 117 96 4124 

 Income after taxes ...................................................................................... 80,491 91,798 75,676 75,939 83,796 

Addenda: 

 Net change in total assets and liabilities .................................................... $17,255 $9,432 $23,203 $31,317 -$5,565 

 Net change in total assets ....................................................................... 28,920 18,047 25,350 41,586 19,880 

 Net change in total liabilities .................................................................... 11,665 8,615 2,147 10,269 25,445 

 Other financial information: 

 Other money receipts .............................................................................. 5,517 1,061 2,217 9,569 5,447 

 Mortgage principal paid on owned property ............................................ -2,951 -3,646 -2,808 -2,475 -3,332 

 Estimated market value of owned home ................................................. 260,865 278,525 191,796 202,151 410,108 

 Estimated monthly rental value of owned home ..................................... 1,349 1,525 1,115 1,199 1,685 

1

 Data are rounded to the nearest thousands. 

2

 Value is too small to display. 

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, 2021