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

Average annual expenditures and characteristics, Consumer Expenditure Survey,

2006-2007

Item Total

45-54 Northeast Midwest South West

Number of consumer units (in thousands) ....... 24,971 5,000 5,603 8,722 5,646 

Consumer unit characteristics: 

Income before taxes ..................................... $78,821 $87,487 $77,950 $70,661 $84,616 

Income after taxes ........................................ 75,398 83,524 74,609 68,007 80,401 

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

Average number in consumer unit:

Persons ........................................................ 2.7 2.7 2.6 2.6 2.8 

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

Persons 65 and over .................................... 1 ( ) .0 1 ( ) 1 ( ) .1 

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

Vehicles ....................................................... 2.3 2.1 2.6 2.3 2.4 

Percent distribution:

Sex of reference person:

Male ............................................................. 48 49 50 45 49 

Female ......................................................... 52 51 50 55 51 

Housing tenure:

Homeowner .................................................. 75 75 81 75 69 

With mortgage ............................................ 58 58 63 56 58 

Without mortgage ....................................... 17 17 18 20 11 

Renter .......................................................... 25 25 19 25 31 

Race of reference person:

Black or African-American ........................... 13 9 9 21 6 

White, Asian, and all other races ................. 87 91 91 79 94 

Hispanic or Latino origin of reference person:

Hispanic or Latino ........................................ 11 8 3 13 17 

Not Hispanic or Latino .................................. 89 92 97 87 83 

Education of reference person:

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

High school (9-12) ........................................ 34 34 32 39 26 

College ......................................................... 63 64 66 56 68 

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

At least one vehicle owned or leased ............ 91 86 93 92 93 

Average annual expenditures .......................... $58,369 $63,575 $57,544 $52,155 $64,342 

Food ............................................................... 7,254 8,218 7,069 6,583 7,702 

Food at home ............................................... 4,019 4,409 3,941 3,673 4,334 

Cereals and bakery products ..................... 516 579 505 474 543 

Cereals and cereal products .................... 162 185 159 145 172 

Bakery products ....................................... 355 394 346 329 371 

Meats, poultry, fish, and eggs .................... 939 1,051 902 888 967 

Beef .......................................................... 275 284 262 269 291 

Pork .......................................................... 183 179 191 182 177 

Other meats ............................................. 129 156 139 110 125 

Poultry ...................................................... 166 204 141 158 173 

Fish and seafood ..................................... 144 179 134 129 150 

Eggs ......................................................... 43 48 35 39 52 

Dairy products ............................................ 431 482 433 383 463 

Fresh milk and cream .............................. 162 180 154 148 176 

Other dairy products ................................ 269 302 279 235 287 

Fruits and vegetables ................................. 684 795 633 601 777 

Fresh fruits ............................................... 229 268 225 189 265 

Fresh vegetables ..................................... 225 258 196 206 259 

Processed fruits ....................................... 120 152 109 99 140 

Processed vegetables .............................. 109 117 102 107 113 

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,

2006-2007 — Continued

Item Total

45-54 Northeast Midwest South West

Other food at home .................................... $1,449 $1,502 $1,468 $1,325 $1,583 

Sugar and other sweets ........................... 153 168 163 140 149 

Fats and oils ............................................. 102 107 105 98 103 

Miscellaneous foods ................................ 730 737 747 656 827 

Nonalcoholic beverages ........................... 412 440 406 392 427 

Food prepared by consumer unit on

out-of-town trips ..................................... 52 50 47 38 78 

Food away from home ................................. 3,235 3,809 3,128 2,911 3,368 

Alcoholic beverages ....................................... 555 650 665 400 606 

Housing .......................................................... 18,828 21,409 17,531 16,416 21,556 

Shelter .......................................................... 11,260 13,269 10,181 9,146 13,819 

Owned dwellings ........................................ 8,329 9,676 8,008 6,807 9,805 

Mortgage interest and charges ................ 4,957 4,928 4,563 4,034 6,799 

Property taxes .......................................... 2,106 3,304 2,269 1,457 1,885 

Maintenance, repairs, insurance, other

expenses ................................................ 1,266 1,444 1,176 1,316 1,122 

Rented dwellings ........................................ 2,059 2,474 1,346 1,729 2,911 

Other lodging ............................................. 872 1,119 827 610 1,103 

Utilities, fuels, and public services ............... 3,983 4,458 3,922 4,014 3,576 

Natural gas ................................................. 568 778 841 331 478 

Electricity .................................................... 1,472 1,494 1,269 1,761 1,208 

Fuel oil and other fuels ............................... 171 496 149 62 75 

Telephone services .................................... 1,300 1,327 1,237 1,359 1,248 

Water and other public services ................. 471 363 427 500 566 

Household operations .................................. 830 856 733 704 1,099 

Personal services ....................................... 192 233 171 145 249 

Other household expenses ........................ 638 623 562 559 849 

Housekeeping supplies ................................ 726 769 701 696 763 

Laundry and cleaning supplies .................. 161 153 158 169 157 

Other household products .......................... 367 403 378 379 305 

Postage and stationery .............................. 198 213 165 149 302 

Household furnishings and equipment ......... 2,028 2,057 1,994 1,855 2,299 

Household textiles ...................................... 145 145 139 148 147 

Furniture ..................................................... 523 514 451 470 680 

Floor coverings .......................................... 51 79 55 40 39 

Major appliances ........................................ 272 254 236 269 328 

Small appliances, miscellaneous

housewares .............................................. 140 104 124 133 198 

Miscellaneous household equipment ......... 897 960 989 795 907 

Apparel and services ..................................... 2,182 2,486 2,251 2,005 2,125 

Men and boys .............................................. 525 585 459 538 520 

Men, 16 and over ....................................... 434 464 369 457 436 

Boys, 2 to 15 .............................................. 92 120 90 82 84 

Women and girls .......................................... 935 1,065 1,125 783 868 

Women, 16 and over .................................. 802 900 1,000 671 721 

Girls, 2 to 15 ............................................... 133 165 126 112 147 

Children under 2 .......................................... 63 46 65 66 69 

Footwear ...................................................... 363 474 342 335 335 

Other apparel products and services ........... 295 317 260 282 333 

Transportation ................................................ 10,283 10,888 9,569 9,763 11,302 

Vehicle purchases (net outlay) ..................... 3,599 3,584 3,203 3,525 4,122 

Cars and trucks, new ................................. 1,863 2,156 1,378 1,876 2,066 

Cars and trucks, used ................................ 1,606 1,360 1,603 1,571 1,879 

Other vehicles ............................................ 130 367 3222 377 177 

Gasoline and motor oil ................................. 2,770 2,500 2,822 2,886 2,779 

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,

2006-2007 — Continued

Item Total

45-54 Northeast Midwest South West

Other vehicle expenses ............................... $3,275 $3,949 $3,009 $2,911 $3,543 

Vehicle finance charges ............................. 335 292 315 387 312 

Maintenance and repairs ........................... 904 963 865 755 1,122 

Vehicle insurance ....................................... 1,502 1,935 1,271 1,415 1,516 

Vehicle rental, leases, licenses, and other

charges .................................................... 535 758 559 355 593 

Public transportation .................................... 639 855 536 441 858 

Healthcare ...................................................... 2,774 2,679 2,965 2,711 2,770 

Health insurance .......................................... 1,348 1,390 1,411 1,351 1,246 

Medical services .......................................... 785 695 920 663 919 

Drugs ........................................................... 498 427 477 576 464 

Medical supplies .......................................... 143 167 156 121 141 

Entertainment ................................................. 3,093 3,438 3,151 2,597 3,510 

Fees and admissions ................................... 806 965 884 510 1,048 

Audio and visual equipment and services .... 1,069 1,198 1,020 984 1,138 

Pets, toys, hobbies, and playground

equipment .................................................. 717 762 700 660 790 

Other entertainment supplies, equipment,

and services ............................................... 501 514 546 444 534 

Personal care products and services ............. 691 712 665 675 724 

Reading .......................................................... 135 157 148 89 173 

Education ....................................................... 1,711 2,147 2,098 1,475 1,307 

Tobacco products and smoking supplies ....... 410 446 448 400 358 

Miscellaneous ................................................ 990 1,092 1,002 719 1,318 

Cash contributions ......................................... 2,044 1,454 2,168 1,877 2,702 

Personal insurance and pensions .................. 7,418 7,800 7,814 6,446 8,189 

Life and other personal insurance ................ 407 400 496 360 398 

Pensions and Social Security ...................... 7,011 7,400 7,318 6,086 7,791 

Sources of income and personal taxes: 

Money income before taxes ........................... 78,821 87,487 77,950 70,661 84,616 

Wages and salaries ..................................... 68,525 78,214 67,603 60,747 72,875 

Self-employment income ............................. 5,103 4,233 4,381 4,771 7,101 

Social Security, private and government

retirement ................................................... 2,179 1,919 1,771 2,842 1,788 

Interest, dividends, rental income, other

property income ......................................... 1,579 1,303 2,810 1,068 1,389 

Unemployment and workers’ compensation,

veterans’ benefits ....................................... 298 376 310 256 280 

Public assistance, supplemental security

income, food stamps .................................. 334 282 282 388 347 

Regular contributions for support ................. 559 584 644 461 603 

Other income ............................................... 246 575 148 128 234 

Personal taxes ............................................... 3,423 3,963 3,340 2,655 4,215 

Federal income taxes ................................... 2,444 2,674 2,233 2,046 3,063 

State and local income taxes ....................... 741 991 767 449 944 

Other taxes .................................................. 239 297 341 160 208 

Income after taxes ......................................... 75,398 83,524 74,609 68,007 80,401 

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,

2006-2007 — Continued

Item Total

45-54 Northeast Midwest South West

Addenda:

Net change in total assets and liabilities ........ - $4,893 - $1,185 - $5,757 - $3,967 - $8,749 

Net change in total assets ............................ 9,479 8,664 10,538 5,997 14,529 

Net change in total liabilities ........................ 14,372 9,849 16,295 9,964 23,278 

Other financial information:

Other money receipts ................................... 819 724 558 779 1,223 

Mortgage principal paid on owned property -3,345 -3,260 -3,156 -2,862 -4,356 

Estimated market value of owned home ...... 217,002 249,691 177,632 158,558 317,414 

Estimated monthly rental value of owned

home .......................................................... 1,034 1,184 941 908 1,188 

Gifts of goods and services ............................ 1,839 1,864 2,440 1,682 1,459 

Food ............................................................. 179 229 186 171 142 

Alcoholic beverages ..................................... 13 18 20 7 9 

Housing ........................................................ 365 422 472 315 283 

Housekeeping supplies .............................. 36 27 31 35 51 

Household textiles ...................................... 14 321 14 14 8 

Appliances and miscellaneous

housewares .............................................. 30 26 36 26 34 

Major appliances ...................................... 13 10 18 10 12 

Small appliances and miscellaneous

housewares ............................................ 17 15 18 15 22 

Miscellaneous household equipment ......... 94 111 179 53 57 

Other housing ............................................ 190 237 211 187 133 

Apparel and services ................................... 300 352 339 298 215 

Males, 2 and over ...................................... 66 75 64 83 34 

Females, 2 and over .................................. 130 159 176 115 82 

Children under 2 ........................................ 50 41 49 50 58 

Other apparel products and services ......... 53 78 50 50 41 

Jewelry and watches ................................ 24 30 37 19 12 

All other apparel products and services ... 29 48 12 31 29 

Transportation .............................................. 106 119 72 81 165 

Health care ................................................... 35 25 74 20 29 

Entertainment ............................................... 106 95 123 108 92 

Toys, games, arts and crafts, and tricycles 37 34 37 39 35 

Other entertainment ................................... 69 61 86 69 57 

Personal care products and services ........... 21 16 24 24 17 

Reading ........................................................ 1 1 1 1 1 

Education ..................................................... 616 500 986 579 409 

All other gifts ................................................ 99 88 142 78 98 

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

n.a. Not applicable.