Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021

Item Total 

45-54 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 22,440 3,636 4,609 9,112 5,083 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $118,050 $129,928 $110,436 $111,634 $127,962 

 Income after taxes ...................................................................................... 101,841 110,291 96,783 96,604 109,772 

 Age of reference person ............................................................................. 49.6 49.8 49.7 49.6 49.5 

 Average number in consumer unit: 

 People ..................................................................................................... 2.9 2.9 2.9 2.8 3.0 

 Children under 18 .................................................................................... .7 .7 .7 .7 .7 

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

 Earners .................................................................................................... 1.8 1.8 1.9 1.7 1.8 

 Vehicles ................................................................................................... 2.2 1.9 2.5 2.1 2.2 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 48 46 48 48 49 

 Women .................................................................................................... 52 54 52 52 51 

 Housing tenure: 

 Homeowner ............................................................................................. 70 65 75 73 65 

 With mortgage ...................................................................................... 52 50 54 52 53 

 Without mortgage ................................................................................. 18 15 21 20 13 

 Renter ...................................................................................................... 30 35 25 27 35 

 Race of reference person: 

 Black or African-American ....................................................................... 14 14 12 21 5 

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

 African-American .................................................................................. 86 86 88 79 95 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 18 16 9 18 26 

 Not Hispanic or Latino ............................................................................. 82 84 91 82 74 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 26 28 25 26 23 

 College .................................................................................................... 71 69 72 71 72 

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

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

Average annual expenditures ........................................................................ $79,421 $84,342 $79,093 $73,417 $87,025 

 Food ............................................................................................................ 9,707 10,482 10,320 8,411 10,935 

 Food at home .......................................................................................... 6,204 7,078 6,446 5,236 7,087 

 Cereals and bakery products ............................................................... 805 992 819 689 860 

 Cereals and cereal products ............................................................. 263 317 257 226 297 

 Bakery products ................................................................................ 542 675 563 464 564 

 Meats, poultry, fish, and eggs .............................................................. 1,330 1,554 1,330 1,124 1,538 

 Beef ................................................................................................... 362 381 362 320 425 

 Pork ................................................................................................... 261 273 282 228 292 

 Other meats ...................................................................................... 173 219 190 136 192 

 Poultry ............................................................................................... 244 284 234 208 286 

 Fish and seafood .............................................................................. 213 305 195 170 238 

 Eggs .................................................................................................. 78 92 67 62 105 

 Dairy products ...................................................................................... 571 651 621 464 658 

 Fresh milk and cream ....................................................................... 179 202 192 153 198 

 Other dairy products ......................................................................... 391 450 429 311 460 

 Fruits and vegetables ........................................................................... 1,231 1,516 1,167 1,014 1,471 

 Fresh fruits ........................................................................................ 439 564 431 331 551 

 Fresh vegetables .............................................................................. 395 492 345 322 503 

 Processed fruits ................................................................................ 153 180 157 130 173 

 Processed vegetables ...................................................................... 243 280 235 232 243 

 Other food at home .............................................................................. 2,266 2,364 2,508 1,944 2,560 

 Sugar and other sweets .................................................................... 207 224 214 192 217 

 Fats and oils ...................................................................................... 164 179 172 146 179 

 Miscellaneous foods ......................................................................... 1,218 1,262 1,385 1,015 1,404 

 Nonalcoholic beverages ................................................................... 602 623 657 524 681 

See footnotes at end of table. 
Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Food prepared by consumer unit on out of town trips ...................... 74 76 80 68 78 

 Food away from home............................................................................. 3,503 3,404 3,874 3,174 3,848 

 Alcoholic beverages ................................................................................... 579 677 632 419 750 

 Housing ....................................................................................................... 25,516 28,518 23,734 22,929 29,626 

 Shelter ..................................................................................................... 15,052 17,986 13,113 12,970 18,443 

 Owned dwellings .................................................................................. 9,688 10,786 8,856 8,658 11,502 

 Mortgage interest and charges ......................................................... 4,365 4,387 3,283 4,108 5,790 

 Property taxes ................................................................................... 2,887 4,344 3,001 2,149 3,062 

 Maintenance, repairs, insurance, and other expenses .................... 2,436 2,054 2,572 2,401 2,650 

 Rented dwellings .................................................................................. 4,151 5,579 2,730 3,309 5,929 

 Other lodging ........................................................................................ 1,213 1,621 1,528 1,003 1,012 

 Utilities, fuels, and public services .......................................................... 5,023 5,305 5,029 4,964 4,922 

 Natural gas ........................................................................................... 485 669 732 307 450 

 Electricity .............................................................................................. 1,761 1,712 1,593 1,968 1,577 

 Fuel oil and other fuels ......................................................................... 126 419 113 61 45 

 Telephone services .............................................................................. 1,844 1,922 1,843 1,836 1,804 

 Residential phone service, VOIP, and phone cards ......................... 155 273 141 134 121 

 Cellular phone service ...................................................................... 1,689 1,649 1,703 1,701 1,684 

 Water and other public services .......................................................... 807 582 749 792 1,045 

 Household operations ............................................................................. 1,561 1,542 1,408 1,590 1,664 

 Personal services ................................................................................. 200 342 200 150 187 

 Other household expenses .................................................................. 1,362 1,199 1,208 1,440 1,478 

 Housekeeping supplies ........................................................................... 959 1,148 1,071 835 934 

 Laundry and cleaning supplies ............................................................ 211 278 194 193 208 

 Other household products .................................................................... 622 742 747 513 611 

 Postage and stationery ........................................................................ 126 127 129 129 115 

 Household furnishings and equipment .................................................... 2,920 2,538 3,114 2,571 3,662 

 Household textiles ................................................................................ 141 151 144 110 187 

 Furniture ............................................................................................... 806 598 924 754 942 

 Floor coverings ..................................................................................... 33 48 18 25 49 

 Major appliances .................................................................................. 454 453 425 391 597 

 Small appliances and miscellaneous housewares .............................. 158 124 143 147 218 

 Miscellaneous household equipment ................................................... 1,329 1,165 1,460 1,144 1,669 

 Apparel and services .................................................................................. 2,078 2,220 2,005 1,894 2,384 

 Men and boys .......................................................................................... 497 480 442 516 527 

 Men, 16 and over ................................................................................. 382 331 338 419 395 

 Boys, 2 to 15 ........................................................................................ 115 149 104 97 132 

 Women and girls ..................................................................................... 881 881 919 739 1,109 

 Women, 16 and over ............................................................................ 707 708 777 566 903 

 Girls, 2 to 15 ......................................................................................... 174 173 142 174 206 

 Children under 2 ...................................................................................... 40 430 418 61 427 

 Footwear .................................................................................................. 410 433 454 379 407 

 Other apparel products and services ...................................................... 251 394 171 199 313 

 Transportation ............................................................................................ 13,090 12,066 12,744 14,100 12,326 

 Vehicle purchases (net outlay) ................................................................ 5,744 4,647 5,310 7,102 4,488 

 Cars and trucks, new ........................................................................... 2,566 2,401 2,388 3,020 2,033 

 Cars and trucks, used .......................................................................... 3,100 2,198 2,683 4,052 2,416 

 Other vehicles ...................................................................................... 78 448 4239 431 438 

 Gasoline, other fuels, and motor oil ........................................................ 2,390 2,036 2,469 2,334 2,674 

 Other vehicle expenses ........................................................................... 4,483 4,664 4,502 4,300 4,662 

 Vehicle finance charges ....................................................................... 363 294 412 401 299 

 Maintenance and repairs ..................................................................... 1,152 1,087 1,273 1,059 1,256 

 Vehicle rental, leases, licenses, and other charges ............................ 973 1,325 1,046 755 1,044 

 Vehicle insurance ................................................................................. 1,995 1,958 1,771 2,086 2,063 

 Public and other transportation ............................................................... 473 718 463 363 503 

 Healthcare .................................................................................................. 5,560 5,396 6,243 5,205 5,698 

 Health insurance ..................................................................................... 3,803 3,945 4,052 3,765 3,541 

 Medical services ...................................................................................... 1,100 879 1,285 861 1,519 

 Drugs ....................................................................................................... 473 360 658 440 449 

 Medical supplies ...................................................................................... 184 212 247 139 188 

 Entertainment ............................................................................................. 3,984 3,221 4,347 3,660 4,804 

 Fees and admissions .............................................................................. 734 667 810 598 963 

 Audio and visual equipment and services............................................... 1,170 1,160 1,244 1,090 1,256 

 Pets, toys, hobbies, and playground equipment ..................................... 911 797 1,086 781 1,075 

 Pets ...................................................................................................... 716 620 887 613 819 

 Toys, hobbies, and playground equipment .......................................... 195 177 199 168 257 

See footnotes at end of table. 
Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures 

and characteristics, Consumer Expenditure Surveys, 2020-2021 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Other entertainment supplies, equipment, and services ........................ 1,170 598 1,207 1,191 1,509 

 Personal care products and services ......................................................... 897 909 1,021 767 1,014 

 Reading ...................................................................................................... 110 81 148 95 122 

 Education .................................................................................................... 2,595 4,687 2,389 2,067 2,233 

 Tobacco products and smoking supplies ................................................... 389 444 421 414 275 

 Miscellaneous ............................................................................................. 1,264 1,265 1,590 1,062 1,329 

 Cash contributions ...................................................................................... 2,329 1,874 2,341 2,246 2,794 

 Personal insurance and pensions .............................................................. 11,323 12,502 11,159 10,149 12,734 

 Life and other personal insurance ........................................................... 640 889 719 566 522 

 Pensions and Social Security.................................................................. 10,683 11,612 10,440 9,583 12,212 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $118,050 $129,928 $110,436 $111,634 $127,962 

 Wages and salaries ................................................................................. 101,823 112,127 95,261 96,532 109,889 

 Self-employment income ......................................................................... 9,288 9,681 6,891 8,957 11,776 

 Social Security, private and government retirement ............................... 2,744 2,416 2,905 3,252 1,922 

 Interest, dividends, rental income, and other property income ............... 2,114 3,220 3,059 1,315 1,897 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 560 537 781 412 640 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,098 1,479 980 841 1,393 

 Other income ........................................................................................... 424 470 558 325 445 

 Personal taxes (contains some imputed values) ....................................... 16,209 19,637 13,653 15,030 18,189 

 Federal income taxes .............................................................................. 14,554 16,470 12,073 14,387 15,732 

 Stimulus payment (new UCC Q20202)# ................................................. -2,391 -2,347 -2,521 -2,312 -2,444 

 State and local income taxes .................................................................. 3,971 5,407 4,028 2,860 4,885 

 Other taxes .............................................................................................. 75 108 73 95 415 

 Income after taxes ...................................................................................... 101,841 110,291 96,783 96,604 109,772 

Addenda: 

 Net change in total assets and liabilities .................................................... $2,886 $13,308 -$1,566 $8,102 -$9,882 

 Net change in total assets ....................................................................... 33,576 36,494 26,500 33,441 38,145 

 Net change in total liabilities .................................................................... 30,690 23,186 28,066 25,339 48,027 

 Other financial information: 

 Other money receipts .............................................................................. 1,068 4147 489 1,862 828 

 Mortgage principal paid on owned property ............................................ -3,770 -4,448 -3,434 -3,153 -4,697 

 Estimated market value of owned home ................................................. 282,517 280,029 216,076 234,379 430,840 

 Estimated monthly rental value of owned home ..................................... 1,409 1,478 1,211 1,307 1,723 

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, 2022