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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2004-2005

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 24,014 4,757 5,599 8,493 5,165 

Consumer unit characteristics: 

Income before taxes ..................................... $72,769 $81,324 $72,024 $67,092 $75,030 

Income after taxes ........................................ 69,045 77,620 68,037 63,674 71,075 

Age of reference person ................................ 49.3 49.2 49.3 49.3 49.4 

Average number in consumer unit:

Persons ........................................................ 2.7 2.7 2.7 2.6 2.7 

Children under 18 ........................................ .6 .6 .6 .5 .6 

Persons 65 and over .................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 1 ( )

Earners ........................................................ 1.7 1.8 1.8 1.6 1.8 

Vehicles ....................................................... 2.4 2.2 2.7 2.2 2.4 

Percent distribution:

Sex of reference person:

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

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

Housing tenure:

Homeowner .................................................. 76 75 82 76 72 

With mortgage ............................................ 58 57 62 56 58 

Without mortgage ....................................... 18 18 20 20 14 

Renter .......................................................... 24 25 18 24 28 

Race of reference person:

Black or African-American ........................... 13 12 9 21 4 

White, Asian, and all other races ................. 87 88 91 79 96 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 9 6 3 9 18 

Not Hispanic or Latino .................................. 91 94 97 91 82 

Education of reference person:

Elementary (1-8) .......................................... 4 3 2 5 6 

High school (9-12) ........................................ 33 36 35 36 24 

College ......................................................... 63 62 62 60 70 

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

At least one vehicle owned or leased ............ 92 88 94 92 94 

Average annual expenditures .......................... $54,359 $58,253 $55,099 $48,019 $60,404 

Food ............................................................... 7,009 7,777 6,915 6,199 7,721 

Food at home ............................................... 3,944 4,381 3,812 3,503 4,397 

Cereals and bakery products ..................... 523 604 516 455 565 

Cereals and cereal products .................... 170 192 162 150 189 

Bakery products ....................................... 353 411 353 305 376 

Meats, poultry, fish, and eggs .................... 1,014 1,189 907 974 1,024 

Beef .......................................................... 310 348 273 317 302 

Pork .......................................................... 200 206 199 203 192 

Other meats ............................................. 128 159 140 106 123 

Poultry ...................................................... 179 223 149 165 191 

Fish and seafood ..................................... 153 203 114 144 165 

Eggs ......................................................... 43 50 33 39 52 

Dairy products ............................................ 435 497 451 357 485 

Fresh milk and cream .............................. 160 171 167 139 176 

Other dairy products ................................ 275 326 284 218 309 

Fruits and vegetables ................................. 643 742 596 535 780 

Fresh fruits ............................................... 215 251 203 170 267 

Fresh vegetables ..................................... 211 243 174 186 260 

Processed fruits ....................................... 120 138 121 90 149 

Processed vegetables .............................. 98 111 97 89 104 

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 Survey,

2004-2005 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,329 $1,349 $1,343 $1,182 $1,543 

Sugar and other sweets ........................... 152 164 153 136 165 

Fats and oils ............................................. 106 112 101 97 120 

Miscellaneous foods ................................ 656 655 689 567 771 

Nonalcoholic beverages ........................... 368 367 350 349 419 

Food prepared by consumer unit on

out-of-town trips ..................................... 48 51 50 33 69 

Food away from home ................................. 3,066 3,397 3,103 2,696 3,325 

Alcoholic beverages ....................................... 479 511 551 364 560 

Housing .......................................................... 16,800 18,438 16,051 14,768 19,453 

Shelter .......................................................... 9,889 11,314 9,024 8,221 12,255 

Owned dwellings ........................................ 7,420 8,270 7,123 6,275 8,841 

Mortgage interest and charges ................ 4,344 4,090 3,970 3,837 5,818 

Property taxes .......................................... 1,843 2,799 2,051 1,270 1,678 

Maintenance, repairs, insurance, other

expenses ................................................ 1,233 1,381 1,102 1,169 1,346 

Rented dwellings ........................................ 1,732 2,058 1,122 1,430 2,592 

Other lodging ............................................. 736 987 779 516 822 

Utilities, fuels, and public services ............... 3,554 3,919 3,583 3,500 3,276 

Natural gas ................................................. 505 654 743 309 432 

Electricity .................................................... 1,281 1,275 1,139 1,506 1,070 

Fuel oil and other fuels ............................... 160 458 133 74 58 

Telephone services .................................... 1,204 1,230 1,193 1,207 1,188 

Water and other public services ................. 404 302 376 403 528 

Household operations .................................. 680 669 565 615 922 

Personal services ....................................... 133 110 110 106 222 

Other household expenses ........................ 547 559 455 508 700 

Housekeeping supplies ................................ 736 705 827 652 808 

Laundry and cleaning supplies .................. 171 179 182 166 159 

Other household products .......................... 387 373 440 328 441 

Postage and stationery .............................. 178 154 205 158 208 

Household furnishings and equipment ......... 1,940 1,830 2,051 1,780 2,192 

Household textiles ...................................... 170 169 178 174 156 

Furniture ..................................................... 415 356 378 421 503 

Floor coverings .......................................... 76 71 61 81 90 

Major appliances ........................................ 238 298 223 189 279 

Small appliances, miscellaneous

housewares .............................................. 125 99 98 133 166 

Miscellaneous household equipment ......... 915 837 1,113 782 999 

Apparel and services ..................................... 2,269 2,465 2,204 2,071 2,482 

Men and boys .............................................. 558 565 554 485 678 

Men, 16 and over ....................................... 467 463 465 399 587 

Boys, 2 to 15 .............................................. 91 103 89 86 91 

Women and girls .......................................... 964 1,068 964 848 1,055 

Women, 16 and over .................................. 831 905 840 745 891 

Girls, 2 to 15 ............................................... 133 162 125 103 164 

Children under 2 .......................................... 53 56 43 54 58 

Footwear ...................................................... 377 441 341 365 373 

Other apparel products and services ........... 318 336 302 318 318 

Transportation ................................................ 9,612 9,926 10,011 8,608 10,538 

Vehicle purchases (net outlay) ..................... 3,909 3,881 4,063 3,609 4,259 

Cars and trucks, new ................................. 1,980 1,642 2,065 1,798 2,497 

Cars and trucks, used ................................ 1,825 2,088 1,832 1,748 1,703 

Other vehicles ............................................ 104 3151 167 63 59 

Gasoline and motor oil ................................. 2,208 2,065 2,326 2,133 2,334 

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 Survey,

2004-2005 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $2,954 $3,268 $3,119 $2,533 $3,177 

Vehicle finance charges ............................. 364 334 379 384 340 

Maintenance and repairs ........................... 823 858 852 647 1,048 

Vehicle insurance ....................................... 1,219 1,324 1,215 1,152 1,239 

Vehicle rental, leases, licenses, and other

charges .................................................... 548 752 673 351 549 

Public transportation .................................... 541 712 502 332 769 

Healthcare ...................................................... 2,693 2,495 3,036 2,503 2,818 

Health insurance .......................................... 1,294 1,320 1,405 1,237 1,242 

Medical services .......................................... 792 660 951 646 982 

Drugs ........................................................... 480 399 525 520 441 

Medical supplies .......................................... 128 116 154 101 154 

Entertainment ................................................. 2,793 2,805 2,892 2,483 3,190 

Fees and admissions ................................... 709 786 773 515 884 

Audio and visual equipment and services .... 988 1,044 930 997 984 

Pets, toys, hobbies, and playground

equipment .................................................. 509 469 518 448 640 

Other entertainment supplies, equipment,

and services ............................................... 588 506 671 523 682 

Personal care products and services ............. 658 658 650 614 740 

Reading .......................................................... 146 170 160 105 175 

Education ....................................................... 1,669 2,752 1,610 1,130 1,625 

Tobacco products and smoking supplies ....... 402 388 494 387 341 

Miscellaneous ................................................ 865 863 961 625 1,160 

Cash contributions ......................................... 1,849 1,394 2,222 1,833 1,892 

Personal insurance and pensions .................. 7,116 7,610 7,342 6,330 7,709 

Life and other personal insurance ................ 492 549 507 462 472 

Pensions and Social Security ...................... 6,625 7,061 6,835 5,869 7,238 

Sources of income and personal taxes: 

Money income before taxes ........................... 72,769 81,324 72,024 67,092 75,030 

Wages and salaries ..................................... 63,139 71,263 62,651 58,612 63,629 

Self-employment income ............................. 5,128 5,366 4,777 4,156 6,891 

Social Security, private and government

retirement ................................................... 2,184 1,863 2,144 2,507 1,990 

Interest, dividends, rental income, other

property income ......................................... 1,025 1,595 1,238 629 922 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 335 409 359 241 397 

Public assistance, supplemental security

income, food stamps .................................. 347 334 258 409 352 

Regular contributions for support ................. 410 317 440 365 537 

Other income ............................................... 200 176 158 173 312 

Personal taxes ............................................... 3,723 3,704 3,987 3,418 3,956 

Federal income taxes ................................... 2,710 2,568 2,763 2,610 2,949 

State and local income taxes ....................... 787 825 888 665 845 

Other taxes .................................................. 226 312 337 144 161 

Income after taxes ......................................... 69,045 77,620 68,037 63,674 71,075 

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 Survey,

2004-2005 — Continued

Item Total

45-54 Northeast Midwest South West

Addenda:

Net change in total assets and liabilities ........ - $10,123 - $7,843 - $6,212 - $7,311 - $21,088 

Net change in total assets ............................ 8,405 11,091 6,882 6,271 11,092 

Net change in total liabilities ........................ 18,528 18,934 13,094 13,582 32,180 

Other financial information:

Other money receipts ................................... 507 588 681 342 514 

Mortgage principal paid on owned

property ...................................................... -2,860 -3,004 -3,105 -2,301 -3,380 

Estimated market value of owned home ...... 184,143 209,305 163,364 139,161 257,463 

Estimated monthly rental value of owned

home .......................................................... 963 1,066 922 850 1,099 

Gifts of goods and services ............................ 1,903 2,492 1,894 1,539 1,969 

Food ............................................................. 178 290 160 123 183 

Alcoholic beverages ..................................... 22 25 23 14 29 

Housing ........................................................ 371 391 365 348 398 

Housekeeping supplies .............................. 59 63 59 52 69 

Household textiles ...................................... 19 13 20 27 13 

Appliances and miscellaneous

housewares .............................................. 29 26 36 28 27 

Major appliances ...................................... 10 10 19 7 7 

Small appliances and miscellaneous

housewares ............................................ 19 16 17 21 20 

Miscellaneous household equipment ......... 83 71 99 84 77 

Other housing ............................................ 180 219 151 157 213 

Apparel and services ................................... 280 309 258 265 300 

Males, 2 and over ...................................... 74 80 85 62 77 

Females, 2 and over .................................. 109 104 87 117 124 

Children under 2 ........................................ 37 44 30 37 39 

Other apparel products and services ......... 60 81 55 50 61 

Jewelry and watches ................................ 18 21 13 17 24 

All other apparel products and services ... 41 60 42 33 37 

Transportation .............................................. 89 80 96 86 93 

Health care ................................................... 46 39 57 40 51 

Entertainment ............................................... 110 81 122 105 133 

Toys, games, arts and crafts, and

tricycles .................................................... 29 22 40 27 26 

Other entertainment ................................... 81 59 82 78 107 

Personal care products and services ........... 26 21 22 30 26 

Reading ........................................................ 1 2 2 1 1 

Education ..................................................... 674 1,167 649 459 603 

All other gifts ................................................ 107 86 139 70 152 

1 Value less than 0.05. 2 Value less than or equal to 0.5.3 Data are likely to have large sampling errors.

n.a. Not applicable.