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

expenditures and characteristics, Consumer Expenditure Survey, 2016-2017

Item Total 

45-54 Northeast Midwest South West 

Number of consumer units (in thousands) ................................................................ 23,817 4,221 5,005 9,075 5,517 

Consumer unit characteristics: 

 Income before taxes ................................................................................................ $99,814 $111,197 $94,168 $95,301 $103,652 

 Income after taxes ................................................................................................ 83,507 91,495 79,706 79,760 87,009 

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

 Average number in consumer unit: 

 People ................................................................................................................................ 2.8 2.8 2.8 2.7 3.0 

 Children under 18................................................................................................ .7 .7 .7 .6 .7 

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

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

 Vehicles ................................................................................................ 2.3 1.9 2.5 2.2 2.4 

Percent distribution: 

 Reference person: 

 Men ................................................................................................................................ 48 46 49 48 50 

 Women ................................................................................................ 52 54 51 52 50 

 Housing tenure: 

 Homeowner ................................................................................................ 69 67 73 70 67 

 With mortgage ................................................................................................ 51 48 53 50 51 

 Without mortgage................................................................................................ 19 18 20 20 16 

 Renter ................................................................................................................................ 31 33 27 30 33 

 Race of reference person: 

 Black or African-American ................................................................................................ 14 15 12 20 5 

 White, Asian, and all other races ................................................................ 86 85 88 80 95 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino ................................................................................................16 12 6 15 28 

 Not Hispanic or Latino ................................................................................................ 84 88 94 85 72 

 Education of reference person: 

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

 High school (9-12) ................................................................................................29 32 28 31 24 

 College ................................................................................................ 68 66 70 66 70 

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

 At least one vehicle owned or leased ................................................................ 92 85 95 93 94 

Average annual expenditures................................................................................................ $72,513 $78,922 $68,975 $67,225 $79,664 

 Food ................................................................................................................................ 9,027 9,154 8,723 8,313 10,490 

 Food at home ................................................................................................ 4,960 5,313 4,775 4,412 5,832 

 Cereals and bakery products ................................................................ 620 682 624 548 692 

 Cereals and cereal products ................................................................ 199 232 185 176 228 

 Bakery products ................................................................................................ 421 451 439 373 464 

 Meats, poultry, fish, and eggs ................................................................ 1,104 1,237 971 1,003 1,312 

 Beef ................................................................................................ 288 317 240 268 348 

 Pork ................................................................................................ 205 197 203 187 247 

 Other meats ................................................................................................149 181 169 123 148 

 Poultry ................................................................................................ 225 279 176 206 264 

 Fish and seafood ................................................................................................ 169 194 132 154 214 

 Eggs ................................................................................................ 69 69 51 65 92 

 Dairy products ................................................................................................499 560 518 414 581 

 Fresh milk and cream ................................................................................................ 166 190 166 143 187 

 Other dairy products ................................................................................................ 333 369 352 270 393 

 Fruits and vegetables ................................................................................................ 932 1,051 835 805 1,161 

 Fresh fruits ................................................................................................ 355 412 307 300 457 

 Fresh vegetables ................................................................................................ 302 351 257 249 402 

 Processed fruits ................................................................................................ 124 133 114 113 145 

 Processed vegetables ................................................................................................ 151 155 156 144 156 

 Other food at home ................................................................................................ 1,805 1,784 1,827 1,642 2,086 

 Sugar and other sweets ................................................................ 181 181 193 159 206 

 Fats and oils ................................................................................................133 153 135 114 150 

 Miscellaneous foods ................................................................................................ 928 880 958 830 1,111 

 Nonalcoholic beverages ................................................................ 490 501 483 474 514 

 Food prepared by consumer unit on out-of-town trips ................................ 73 68 57 66 105 

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, 2016-2017 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Food away from home ................................................................................................ 4,067 3,841 3,948 3,901 4,658 

 Alcoholic beverages ................................................................................................ 598 578 654 518 698 

 Housing ................................................................................................................................ 22,614 26,188 19,618 20,398 26,261 

 Shelter ................................................................................................................................ 13,617 17,036 10,905 11,779 16,483 

 Owned dwellings ................................................................................................ 8,886 11,264 7,617 7,541 10,429 

 Mortgage interest and charges ................................................................4,698 4,982 3,537 4,305 6,182 

 Property taxes ................................................................................................ 2,579 4,204 2,456 1,827 2,687 

 Maintenance, repairs, insurance, other expenses ................................ 1,608 2,078 1,624 1,409 1,561 

 Rented dwellings................................................................................................ 3,610 4,366 2,410 3,074 5,002 

 Other lodging ................................................................................................1,121 1,406 878 1,164 1,052 

 Utilities, fuels, and public services ................................................................ 4,608 4,891 4,445 4,520 4,684 

 Natural gas ................................................................................................ 420 658 599 227 394 

 Electricity ................................................................................................ 1,648 1,561 1,464 1,896 1,473 

 Fuel oil and other fuels ................................................................................................ 97 295 75 50 42 

 Telephone services ................................................................................................ 1,749 1,879 1,717 1,682 1,788 

 Residential phone service, VOIP, and phone cards ................................ 279 424 265 249 229 

 Cellular phone service ................................................................................................ 1,470 1,455 1,453 1,434 1,559 

 Water and other public services ................................................................ 694 499 589 665 987 

 Household operations ................................................................................................ 1,308 1,378 1,061 1,271 1,539 

 Personal services................................................................................................ 254 361 182 234 270 

 Other household expenses ................................................................ 1,054 1,017 879 1,037 1,269 

 Housekeeping supplies ................................................................................................ 787 812 776 727 885 

 Laundry and cleaning supplies ................................................................ 199 188 222 181 217 

 Other household products ................................................................ 434 472 391 401 508 

 Postage and stationery ................................................................................................ 154 153 164 145 160 

 Household furnishings and equipment ................................................................ 2,295 2,071 2,430 2,101 2,670 

 Household textiles................................................................................................ 130 129 138 121 140 

 Furniture ................................................................................................ 533 448 544 521 606 

 Floor coverings ................................................................................................24 39 31 18 15 

 Major appliances ................................................................................................ 359 355 340 358 378 

 Small appliances, miscellaneous housewares ................................ 167 111 252 142 170 

 Miscellaneous household equipment ................................................................ 1,082 989 1,125 942 1,361 

 Apparel and services ................................................................................................ 2,319 2,425 2,145 2,183 2,647 

 Men and boys ................................................................................................ 609 705 497 615 631 

 Men, 16 and over ................................................................................................ 481 525 385 492 523 

 Boys, 2 to 15 ................................................................................................ 128 179 112 124 108 

 Women and girls ................................................................................................915 924 888 823 1,098 

 Women, 16 and over ................................................................................................ 761 768 737 686 913 

 Girls, 2 to 15 ................................................................................................ 154 156 151 137 185 

 Children under 2 ................................................................................................ 48 251 232 43 70 

 Footwear ................................................................................................ 493 467 445 500 552 

 Other apparel products and services ................................................................254 278 284 202 296 

 Transportation ................................................................................................ 11,369 10,601 11,154 11,483 11,993 

 Vehicle purchases (net outlay) ................................................................ 4,637 3,674 4,708 5,269 4,268 

 Cars and trucks, new ................................................................................................ 1,880 1,401 1,684 2,323 1,695 

 Cars and trucks, used ................................................................................................ 2,657 2,150 2,960 2,782 2,565 

 Other vehicles ................................................................................................100 2122 264 2164 28 

 Gasoline, other fuels, and motor oil ................................................................2,428 2,173 2,395 2,384 2,726 

 Other vehicle expenses ................................................................................................ 3,502 3,536 3,407 3,258 3,991 

 Vehicle finance charges ................................................................................................ 292 250 295 309 293 

 Maintenance and repairs ................................................................................................ 1,094 1,056 1,115 991 1,276 

 Vehicle insurance................................................................................................ 1,336 1,112 1,177 1,400 1,571 

 Vehicle rental, leases, licenses, and other charges ................................ 780 1,117 821 558 851 

 Public and other transportation ................................................................ 802 1,218 644 572 1,007 

 Healthcare ................................................................................................ 4,949 5,171 5,203 4,712 4,935 

 Health insurance ................................................................................................ 3,393 3,689 3,475 3,344 3,174 

 Medical services ................................................................................................928 838 1,014 750 1,212 

 Drugs ................................................................................................................................ 469 468 508 478 421 

 Medical supplies ................................................................................................158 177 206 140 128 

 Entertainment ................................................................................................ 3,849 3,766 4,722 3,265 4,050 

 Fees and admissions ................................................................................................ 1,019 1,336 902 757 1,324 

 Audio and visual equipment and services ................................................................ 1,194 1,193 1,159 1,195 1,224 

 Pets, toys, hobbies, and playground equipment................................................................ 1,012 914 1,631 759 902 

 Pets ................................................................................................................................ 828 806 1,436 571 676 

 Toys, hobbies, and playground equipment ................................................................ 184 108 195 188 226 

 Other entertainment supplies, equipment, and services ................................ 625 324 1,030 555 601 

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, 2016-2017 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Personal care products and services ................................................................ 901 899 927 828 1,004 

 Reading ................................................................................................................................ 122 93 152 121 114 

 Education................................................................................................ 2,831 5,012 2,208 2,050 3,015 

 Tobacco products and smoking supplies ................................................................ 426 497 474 429 323 

 Miscellaneous ................................................................................................ 1,303 1,443 1,285 979 1,742 

 Cash contributions................................................................................................ 2,294 2,325 1,893 2,404 2,453 

 Personal insurance and pensions ................................................................ 9,909 10,769 9,816 9,543 9,938 

 Life and other personal insurance ................................................................ 445 619 441 425 347 

 Pensions and Social Security ................................................................ 9,464 10,150 9,375 9,118 9,590 

Sources of income and personal taxes: 

 Money income before taxes ................................................................................................ $99,814 $111,197 $94,168 $95,301 $103,652 

 Wages and salaries................................................................................................ 86,618 98,508 82,289 81,403 90,026 

 Self-employment income ................................................................................................ 7,856 6,745 6,923 9,050 7,588 

 Social Security, private and government retirement ................................ 2,351 2,364 1,921 2,570 2,373 

 Interest, dividends, rental income, other property income ................................ 1,704 1,887 1,958 1,098 2,330 

 Public assistance, Supplemental Security Income, 

 Supplementary Nutrition Assistance Program (SNAP) ................................ 490 602 357 456 581 

 Unemployment and workers' compensation, veterans' 

 benefits, and regular contributions for support ................................ 433 404 430 425 473 

 Other income ................................................................................................ 362 688 291 300 281 

 Personal taxes (contains some imputed values) ................................................................ 16,307 19,702 14,462 15,541 16,642 

 Federal income taxes ................................................................................................ 12,944 15,099 11,152 13,001 12,827 

 State and local income taxes ................................................................ 3,258 4,463 3,213 2,484 3,651 

 Other taxes ................................................................................................ 105 141 98 56 2164 

 Income after taxes ................................................................................................ 83,507 91,495 79,706 79,760 87,009 

Addenda: 

 Net change in total assets and liabilities ................................................................ $18,212 $17,166 $17,967 $15,983 $22,901 

 Net change in total assets ................................................................................................ 25,861 23,525 23,202 21,176 37,767 

 Net change in total liabilities ................................................................ 7,649 6,359 5,234 5,193 14,866 

 Other financial information: 

 Other money receipts ................................................................................................ 388 2454 770 203 296 

 Mortgage principal paid on owned property ................................................................ -2,940 -3,393 -2,917 -2,575 -3,214 

 Estimated market value of owned home................................................................ 221,484 234,367 154,012 169,666 358,086 

 Estimated monthly rental value of owned home ................................................................ 1,194 1,318 957 1,071 1,517 

 Gifts of goods and services, total ................................................................ 1,854 2,423 1,985 1,351 2,128 

 Food ................................................................................................................................ 112 84 123 106 132 

 Alcoholic beverages ................................................................................................ 14 15 14 10 21 

 Housing ................................................................................................ 295 263 298 269 357 

 Housekeeping supplies ................................................................................................ 31 13 31 41 28 

 Household textiles................................................................................................ 12 216 223 28 25 

 Appliances and miscellaneous housewares ................................................................ 24 222 26 27 17 

 Major appliances................................................................................................ 7 29 22 7 9 

 Small appliances and miscellaneous housewares ................................ 17 213 224 21 27 

 Miscellaneous household equipment ................................................................52 43 53 60 43 

 Other housing ................................................................................................177 169 165 133 265 

 Apparel and services ................................................................................................ 221 189 247 183 288 

 Males, 2 and over ................................................................................................ 66 49 83 66 63 

 Females, 2 and over ................................................................................................ 77 77 78 65 99 

 Children under 2 ................................................................................................33 237 222 22 60 

 Other apparel products and services................................................................44 226 63 29 67 

 Jewelry and watches ................................................................................................ 8 24 212 24 213 

 All other apparel products and services ................................................................ 36 222 50 25 54 

 Transportation ................................................................................................ 155 79 247 77 258 

 Healthcare ................................................................................................ 25 238 24 20 22 

 Entertainment ................................................................................................ 127 98 119 114 180 

 Toys, games, arts and crafts, and tricycles ................................................................ 61 233 273 53 285 

 Other entertainment ................................................................................................ 66 65 46 62 95 

 Personal care products and services ................................................................ 12 8 12 9 18 

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, 2016-2017 — Continued 

Item Total 

45-54 Northeast Midwest South West 

 Reading ................................................................................................ 3 22 3 3 4 

 Education ................................................................................................ 754 1,525 679 453 728 

 All other gifts ................................................................................................ 137 122 219 106 120 

1

 Value is too small to display. 

2

 Data are likely to have large sampling errors. 

Source: Consumer Expenditure Survey, U.S. Bureau of Labor Statistics, September, 2018