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

and characteristics, Consumer Expenditure Survey, 2018-2019

Item Total 

55-64 Northeast Midwest South West 

Number of consumer units (in thousands) .................................................... 24,523 4,403 5,421 9,235 5,463 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $93,983 $106,951 $82,730 $92,299 $97,547 

 Income after taxes ...................................................................................... 77,984 89,181 70,583 76,156 79,391 

 Age of reference person ............................................................................. 59.5 59.5 59.5 59.5 59.5 

 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 1.2 1.5 

 Vehicles ................................................................................................... 2.2 2.0 2.5 2.1 2.3 

Percent distribution: 

 Reference person: 

 Men .......................................................................................................... 49 52 46 47 53 

 Women .................................................................................................... 51 48 54 53 47 

 Housing tenure: 

 Homeowner ............................................................................................. 75 75 80 76 71 

 With mortgage ...................................................................................... 43 41 43 42 46 

 Without mortgage ................................................................................. 32 34 36 34 25 

 Renter ...................................................................................................... 25 25 20 24 29 

 Race of reference person: 

 Black or African-American ....................................................................... 13 13 11 19 3 

 White, Asian, and all other races ............................................................ 87 87 89 81 97 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 10 10 4 9 17 

 Not Hispanic or Latino ............................................................................. 90 90 96 91 83 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 30 32 31 34 23 

 College .................................................................................................... 66 66 68 63 72 

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

 At least one vehicle owned or leased ......................................................... 91 84 92 92 92 

Average annual expenditures ........................................................................ $68,214 $76,565 $65,324 $62,838 $73,439 

 Food ............................................................................................................ 8,300 8,656 7,807 7,837 9,325 

 Food at home .......................................................................................... 4,923 5,317 4,518 4,715 5,372 

 Cereals and bakery products ............................................................... 611 690 547 587 653 

 Cereals and cereal products ............................................................. 188 214 182 171 203 

 Bakery products ................................................................................ 423 476 365 416 450 

 Meats, poultry, fish, and eggs .............................................................. 1,058 1,174 982 1,027 1,090 

 Beef ................................................................................................... 278 254 280 280 293 

 Pork ................................................................................................... 203 177 209 216 198 

 Other meats ...................................................................................... 143 170 135 141 131 

 Poultry ............................................................................................... 184 240 154 169 195 

 Fish and seafood .............................................................................. 183 270 149 162 181 

 Eggs .................................................................................................. 66 65 55 59 92 

 Dairy products ...................................................................................... 475 544 470 425 512 

 Fresh milk and cream ....................................................................... 150 173 143 136 164 

 Other dairy products ......................................................................... 325 371 327 289 348 

 Fruits and vegetables ........................................................................... 920 1,050 820 844 1,049 

 Fresh fruits ........................................................................................ 339 387 292 307 402 

 Fresh vegetables .............................................................................. 308 372 272 267 362 

 Processed fruits ................................................................................ 117 119 109 113 131 

 Processed vegetables ...................................................................... 157 172 148 157 154 

 Other food at home .............................................................................. 1,859 1,859 1,699 1,833 2,068 

 Sugar and other sweets .................................................................... 172 171 168 163 194 

 Fats and oils ...................................................................................... 132 134 108 138 145 

 Miscellaneous foods ......................................................................... 980 964 895 969 1,100 

 Nonalcoholic beverages ................................................................... 500 506 452 501 540 

 Food prepared by consumer unit on out-of-town trips ..................... 75 84 77 62 89 

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 Survey, 2018-2019 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Food away from home............................................................................. 3,376 3,339 3,289 3,122 3,954 

 Alcoholic beverages ................................................................................... 672 752 614 632 731 

 Housing ....................................................................................................... 21,047 25,591 19,157 18,736 23,141 

 Shelter ..................................................................................................... 11,980 15,080 10,555 10,052 14,156 

 Owned dwellings .................................................................................. 8,151 10,627 7,653 6,898 8,768 

 Mortgage interest and charges ......................................................... 3,023 3,134 2,336 2,764 4,053 

 Property taxes ................................................................................... 2,763 4,766 2,883 1,857 2,560 

 Maintenance, repairs, insurance, other expenses ........................... 2,365 2,727 2,434 2,276 2,154 

 Rented dwellings .................................................................................. 2,631 2,969 1,694 2,124 4,144 

 Other lodging ........................................................................................ 1,198 1,484 1,208 1,030 1,244 

 Utilities, fuels, and public services .......................................................... 4,448 4,980 4,371 4,327 4,301 

 Natural gas ........................................................................................... 468 727 637 293 386 

 Electricity .............................................................................................. 1,611 1,517 1,485 1,845 1,415 

 Fuel oil and other fuels ......................................................................... 152 494 126 61 56 

 Telephone services .............................................................................. 1,523 1,728 1,488 1,432 1,548 

 Residential phone service, VOIP, and phone cards ......................... 255 370 226 249 200 

 Cellular phone service ...................................................................... 1,268 1,358 1,262 1,183 1,348 

 Water and other public services .......................................................... 694 514 635 696 896 

 Household operations ............................................................................. 1,248 1,326 999 1,183 1,543 

 Personal services ................................................................................. 74 241 220 262 2174 

 Other household expenses .................................................................. 1,175 1,285 979 1,121 1,369 

 Housekeeping supplies ........................................................................... 857 880 924 795 884 

 Laundry and cleaning supplies ............................................................ 195 201 198 181 214 

 Other household products .................................................................... 505 532 543 468 510 

 Postage and stationery ........................................................................ 157 147 183 146 160 

 Household furnishings and equipment .................................................... 2,514 3,326 2,309 2,379 2,257 

 Household textiles ................................................................................ 167 189 149 171 159 

 Furniture ............................................................................................... 588 606 565 643 505 

 Floor coverings ..................................................................................... 33 45 28 35 23 

 Major appliances .................................................................................. 362 345 337 375 377 

 Small appliances, miscellaneous housewares .................................... 129 135 136 108 153 

 Miscellaneous household equipment ................................................... 1,236 2,006 1,093 1,048 1,040 

 Apparel and services .................................................................................. 1,845 2,075 1,678 1,710 2,065 

 Men and boys .......................................................................................... 421 463 326 403 515 

 Men, 16 and over ................................................................................. 370 410 294 353 446 

 Boys, 2 to 15 ........................................................................................ 51 53 33 50 69 

 Women and girls ..................................................................................... 742 821 673 706 811 

 Women, 16 and over ............................................................................ 664 693 584 648 752 

 Girls, 2 to 15 ......................................................................................... 77 128 89 58 60 

 Children under 2 ...................................................................................... 57 237 86 46 64 

 Footwear .................................................................................................. 363 481 310 314 401 

 Other apparel products and services ...................................................... 263 273 283 241 274 

 Transportation ............................................................................................ 11,266 11,472 11,368 10,738 11,892 

 Vehicle purchases (net outlay) ................................................................ 4,447 4,003 4,766 4,538 4,336 

 Cars and trucks, new ........................................................................... 1,992 1,198 2,175 2,281 1,962 

 Cars and trucks, used .......................................................................... 2,413 2,732 2,568 2,221 2,326 

 Other vehicles ...................................................................................... 42 274 223 235 248 

 Gasoline, other fuels, and motor oil ........................................................ 2,241 2,143 2,127 2,122 2,633 

 Other vehicle expenses ........................................................................... 3,710 4,191 3,588 3,449 3,888 

 Vehicle finance charges ....................................................................... 248 190 251 288 226 

 Maintenance and repairs ..................................................................... 1,031 1,077 1,065 961 1,077 

 Vehicle rental, leases, licenses, and other charges ............................ 802 1,251 813 515 915 

 Vehicle insurance ................................................................................. 1,629 1,672 1,460 1,685 1,670 

 Public and other transportation ............................................................... 867 1,135 886 630 1,034 

 Healthcare .................................................................................................. 5,850 6,224 6,232 5,611 5,585 

 Health insurance ..................................................................................... 3,856 4,159 4,082 3,741 3,582 

 Medical services ...................................................................................... 1,210 1,384 1,223 1,111 1,226 

 Drugs ....................................................................................................... 584 468 662 611 563 

 Medical supplies ...................................................................................... 200 213 264 149 215 

 Entertainment ............................................................................................. 3,865 3,501 3,953 3,894 3,996 

 Fees and admissions .............................................................................. 1,024 990 624 1,364 820 

 Audio and visual equipment and services............................................... 1,102 1,174 1,095 1,056 1,133 

 Pets, toys, hobbies, and playground equipment ..................................... 947 675 908 991 1,141 

 Pets ...................................................................................................... 814 592 725 888 962 

 Toys, hobbies, and playground equipment .......................................... 133 83 183 103 179 

 Other entertainment supplies, equipment, and services ........................ 792 663 1,325 482 902 

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 Survey, 2018-2019 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Personal care products and services ......................................................... 811 963 759 745 849 

 Reading ...................................................................................................... 99 94 113 91 102 

 Education .................................................................................................... 1,757 3,315 1,068 1,308 1,946 

 Tobacco products and smoking supplies ................................................... 426 427 476 475 294 

 Miscellaneous ............................................................................................. 1,175 1,204 1,041 1,078 1,444 

 Cash contributions ...................................................................................... 2,268 1,862 2,492 2,096 2,662 

 Personal insurance and pensions .............................................................. 8,832 10,429 8,567 7,886 9,407 

 Life and other personal insurance ........................................................... 724 949 700 678 644 

 Pensions and Social Security.................................................................. 8,108 9,480 7,867 7,208 8,763 

Sources of income and personal taxes: 

 Money income before taxes ....................................................................... $93,983 $106,951 $82,730 $92,299 $97,547 

 Wages and salaries ................................................................................. 75,602 87,395 64,309 75,458 77,546 

 Self-employment income ......................................................................... 7,148 8,911 7,534 6,033 7,227 

 Social Security, private and government retirement ............................... 7,690 6,574 7,687 8,049 7,985 

 Interest, dividends, rental income, other property income ...................... 2,130 2,412 2,058 1,486 3,061 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 515 577 509 459 568 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 660 872 323 637 861 

 Other income ........................................................................................... 239 210 310 177 299 

 Personal taxes (contains some imputed values) ....................................... 16,000 17,770 12,147 16,143 18,156 

 Federal income taxes .............................................................................. 12,773 13,558 9,359 13,705 13,955 

 State and local income taxes .................................................................. 3,144 4,107 2,707 2,375 4,101 

 Other taxes .............................................................................................. 83 104 80 63 2100 

 Income after taxes ...................................................................................... 77,984 89,181 70,583 76,156 79,391 

Addenda: 

 Net change in total assets and liabilities .................................................... $14,467 $16,868 $15,647 $13,157 $13,574 

 Net change in total assets ....................................................................... 22,726 20,910 18,456 20,051 32,949 

 Net change in total liabilities .................................................................... 8,260 4,042 2,809 6,894 19,375 

 Other financial information: 

 Other money receipts .............................................................................. 1,777 2324 1,273 835 5,041 

 Mortgage principal paid on owned property ............................................ -2,921 -3,804 -2,570 -2,381 -3,470 

 Estimated market value of owned home ................................................. 249,448 283,718 188,644 189,352 383,742 

 Estimated monthly rental value of owned home ..................................... 1,316 1,569 1,088 1,166 1,591 

 Gifts of goods and services, total ............................................................... 1,808 1,929 1,928 1,373 2,328 

 Food ........................................................................................................ 158 166 117 143 215 

 Alcoholic beverages ................................................................................ 12 19 6 14 10 

 Housing ................................................................................................... 359 256 414 320 458 

 Housekeeping supplies ........................................................................ 35 34 37 30 42 

 Household textiles ................................................................................ 20 219 220 27 29 

 Appliances and miscellaneous housewares ........................................ 22 222 20 22 24 

 Major appliances ............................................................................... 10 27 9 13 9 

 Small appliances and miscellaneous housewares ........................... 12 215 211 29 15 

 Miscellaneous household equipment ................................................... 79 61 172 52 48 

 Other housing ....................................................................................... 203 119 165 187 335 

 Apparel and services ............................................................................... 264 304 284 255 227 

 Males, 2 and over ................................................................................. 57 55 65 53 58 

 Females, 2 and over ............................................................................ 86 100 97 87 63 

 Children under 2 ................................................................................... 46 234 86 22 59 

 Other apparel products and services ................................................... 75 114 36 93 48 

 Jewelry and watches ........................................................................ 21 232 219 22 212 

 All other apparel products and services ........................................... 54 282 217 71 35 

 Transportation ......................................................................................... 158 112 297 77 196 

 Healthcare ............................................................................................... 59 2147 253 28 48 

 Entertainment .......................................................................................... 151 118 159 130 210 

 Toys, games, arts and crafts, and tricycles ......................................... 47 236 63 42 51 

 Other entertainment ............................................................................. 104 82 96 88 159 

 Personal care products and services ...................................................... 22 55 20 12 14 

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 Survey, 2018-2019 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Reading ................................................................................................... 4 3 7 2 5 

 Education ................................................................................................. 466 503 434 289 766 

 All other gifts ............................................................................................ 153 247 138 103 179 

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, 2020