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

and characteristics, Consumer Expenditure Surveys, 2020-2021

Item Total 

55-64 Northeast Midwest South West 

Number of consumer units (in thousands)1................................................... 24,928 4,678 5,574 9,440 5,235 

Consumer unit characteristics: 

 Income before taxes ................................................................................... $96,815 $117,040 $92,198 $85,158 $104,677 

 Income after taxes ...................................................................................... 82,337 99,017 79,772 71,149 90,336 

 Age of reference person ............................................................................. 59.7 59.6 59.6 59.8 59.5 

 Average number in consumer unit: 

 People ..................................................................................................... 2.2 2.3 2.1 2.1 2.4 

 Children under 18 .................................................................................... .2 .2 .2 .2 .2 

 Adults 65 and older ................................................................................. .1 .1 .1 .2 .2 

 Earners .................................................................................................... 1.4 1.6 1.4 1.3 1.5 

 Vehicles ................................................................................................... 2.1 1.9 2.4 2.1 2.1 

Percent distribution: 

 Reference person: 

 Men.......................................................................................................... 47 47 47 45 51 

 Women .................................................................................................... 53 53 53 55 49 

 Housing tenure: 

 Homeowner ............................................................................................. 75 74 78 75 71 

 With mortgage ...................................................................................... 42 41 42 40 46 

 Without mortgage ................................................................................. 33 33 36 35 25 

 Renter ...................................................................................................... 25 26 22 25 29 

 Race of reference person: 

 Black or African-American ....................................................................... 14 13 13 20 5 

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

 African-American .................................................................................. 86 87 87 80 95 

 Hispanic or Latino origin of reference person: 

 Hispanic or Latino .................................................................................... 12 12 4 12 22 

 Not Hispanic or Latino ............................................................................. 88 88 96 88 78 

 Education of reference person: 

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

 High school (9-12) ................................................................................... 30 31 30 33 23 

 College .................................................................................................... 67 68 68 65 71 

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

 At least one vehicle owned or leased ......................................................... 92 87 93 94 93 

Average annual expenditures ........................................................................ $67,694 $77,840 $64,273 $60,911 $74,731 

 Food ............................................................................................................ 7,834 8,889 7,153 7,182 8,821 

 Food at home .......................................................................................... 5,281 5,996 4,899 4,755 6,040 

 Cereals and bakery products ............................................................... 640 785 616 570 666 

 Cereals and cereal products ............................................................. 201 231 202 173 226 

 Bakery products ................................................................................ 439 554 414 397 440 

 Meats, poultry, fish, and eggs .............................................................. 1,171 1,338 1,032 1,068 1,363 

 Beef ................................................................................................... 314 368 279 278 372 

 Pork ................................................................................................... 217 216 214 212 228 

 Other meats ...................................................................................... 161 211 159 132 170 

 Poultry ............................................................................................... 219 245 187 206 255 

 Fish and seafood .............................................................................. 195 228 134 183 249 

 Eggs .................................................................................................. 66 69 59 57 89 

 Dairy products ...................................................................................... 492 599 443 407 608 

 Fresh milk and cream ....................................................................... 154 184 136 124 202 

 Other dairy products ......................................................................... 338 414 307 283 406 

 Fruits and vegetables ........................................................................... 1,032 1,204 945 917 1,188 

 Fresh fruits ........................................................................................ 372 410 339 329 456 

 Fresh vegetables .............................................................................. 335 406 279 295 403 

 Processed fruits ................................................................................ 129 168 120 112 133 

 Processed vegetables ...................................................................... 197 220 207 181 196 

 Other food at home .............................................................................. 1,946 2,070 1,863 1,793 2,215 

 Sugar and other sweets .................................................................... 171 209 176 146 180 

 Fats and oils ...................................................................................... 143 176 133 125 159 

 Miscellaneous foods ......................................................................... 1,044 1,069 962 998 1,198 

 Nonalcoholic beverages ................................................................... 518 544 525 464 592 

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 Surveys, 2020-2021 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Food prepared by consumer unit on out of town trips ...................... 69 73 67 59 85 

 Food away from home............................................................................. 2,552 2,893 2,254 2,427 2,781 

 Alcoholic beverages ................................................................................... 577 711 542 419 797 

 Housing ....................................................................................................... 22,174 25,732 19,676 19,596 26,341 

 Shelter ..................................................................................................... 12,769 15,597 10,681 10,682 16,228 

 Owned dwellings .................................................................................. 8,599 10,614 7,743 6,918 10,742 

 Mortgage interest and charges ......................................................... 2,945 2,978 2,185 2,390 4,727 

 Property taxes ................................................................................... 3,043 5,080 2,973 2,023 3,138 

 Maintenance, repairs, insurance, and other expenses .................... 2,610 2,556 2,586 2,504 2,876 

 Rented dwellings .................................................................................. 2,955 3,385 1,789 2,786 4,114 

 Other lodging ........................................................................................ 1,215 1,598 1,148 978 1,373 

 Utilities, fuels, and public services .......................................................... 4,590 5,221 4,468 4,368 4,558 

 Natural gas ........................................................................................... 480 746 654 270 437 

 Electricity .............................................................................................. 1,657 1,671 1,470 1,840 1,516 

 Fuel oil and other fuels ......................................................................... 146 428 128 68 53 

 Telephone services .............................................................................. 1,550 1,779 1,516 1,480 1,507 

 Residential phone service, VOIP, and phone cards ......................... 211 352 208 172 158 

 Cellular phone service ...................................................................... 1,339 1,427 1,308 1,309 1,349 

 Water and other public services .......................................................... 757 597 699 710 1,045 

 Household operations ............................................................................. 1,330 1,503 1,070 1,259 1,578 

 Personal services ................................................................................. 45 430 421 435 4100 

 Other household expenses .................................................................. 1,285 1,473 1,049 1,224 1,478 

 Housekeeping supplies ........................................................................... 994 910 1,087 1,006 955 

 Laundry and cleaning supplies ............................................................ 190 140 172 205 229 

 Other household products .................................................................... 660 606 745 686 571 

 Postage and stationery ........................................................................ 144 165 170 115 155 

 Household furnishings and equipment .................................................... 2,490 2,500 2,370 2,281 3,022 

 Household textiles ................................................................................ 142 120 156 152 130 

 Furniture ............................................................................................... 600 546 420 630 786 

 Floor coverings ..................................................................................... 31 55 23 20 37 

 Major appliances .................................................................................. 486 520 400 478 563 

 Small appliances and miscellaneous housewares .............................. 151 146 172 127 180 

 Miscellaneous household equipment ................................................... 1,081 1,113 1,199 875 1,326 

 Apparel and services .................................................................................. 1,463 2,042 1,521 1,074 1,622 

 Men and boys .......................................................................................... 280 259 255 226 432 

 Men, 16 and over ................................................................................. 241 231 187 189 411 

 Boys, 2 to 15 ........................................................................................ 39 28 68 37 21 

 Women and girls ..................................................................................... 550 560 655 445 638 

 Women, 16 and over ............................................................................ 499 501 562 410 608 

 Girls, 2 to 15 ......................................................................................... 51 459 94 35 31 

 Children under 2 ...................................................................................... 43 463 455 437 424 

 Footwear .................................................................................................. 300 475 314 203 310 

 Other apparel products and services ...................................................... 290 686 242 163 217 

 Transportation ............................................................................................ 10,609 10,144 10,539 10,559 11,198 

 Vehicle purchases (net outlay) ................................................................ 4,593 3,680 4,539 4,975 4,776 

 Cars and trucks, new ........................................................................... 2,406 2,114 2,189 2,906 1,997 

 Cars and trucks, used .......................................................................... 2,109 1,489 2,177 2,057 2,686 

 Other vehicles ...................................................................................... 77 477 4172 413 493 

 Gasoline, other fuels, and motor oil ........................................................ 1,949 1,871 1,894 1,901 2,164 

 Other vehicle expenses ........................................................................... 3,712 4,129 3,776 3,384 3,868 

 Vehicle finance charges ....................................................................... 275 247 291 275 281 

 Maintenance and repairs ..................................................................... 1,032 1,027 1,193 890 1,125 

 Vehicle rental, leases, licenses, and other charges ............................ 722 1,113 815 485 703 

 Vehicle insurance ................................................................................. 1,683 1,742 1,478 1,734 1,758 

 Public and other transportation ............................................................... 356 464 330 298 391 

 Healthcare .................................................................................................. 5,887 5,911 6,444 5,671 5,663 

 Health insurance ..................................................................................... 4,030 3,952 4,421 3,959 3,810 

 Medical services ...................................................................................... 1,127 1,191 1,293 1,003 1,116 

 Drugs ....................................................................................................... 566 532 575 572 577 

 Medical supplies ...................................................................................... 165 236 156 138 160 

 Entertainment ............................................................................................. 3,612 4,323 4,234 2,868 3,735 

 Fees and admissions .............................................................................. 436 598 443 327 483 

 Audio and visual equipment and services............................................... 1,114 1,110 1,126 1,073 1,179 

 Pets, toys, hobbies, and playground equipment ..................................... 1,016 769 1,665 749 1,094 

 Pets ...................................................................................................... 889 702 1,467 648 937 

 Toys, hobbies, and playground equipment .......................................... 127 67 198 101 156 

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 Surveys, 2020-2021 — Continued 

Item Total 

55-64 Northeast Midwest South West 

 Other entertainment supplies, equipment, and services ........................ 1,046 1,846 1,000 718 979 

 Personal care products and services ......................................................... 717 752 715 616 887 

 Reading ...................................................................................................... 108 119 80 115 114 

 Education .................................................................................................... 1,357 2,542 1,052 1,074 1,134 

 Tobacco products and smoking supplies ................................................... 427 372 474 459 370 

 Miscellaneous ............................................................................................. 979 1,103 813 902 1,186 

 Cash contributions ...................................................................................... 3,012 4,507 2,362 2,632 3,052 

 Personal insurance and pensions .............................................................. 8,938 10,692 8,668 7,744 9,810 

 Life and other personal insurance ........................................................... 614 726 609 576 590 

 Pensions and Social Security.................................................................. 8,324 9,966 8,059 7,168 9,220 

Sources of income and personal taxes: 

 Income before taxes ................................................................................... $96,815 $117,040 $92,198 $85,158 $104,677 

 Wages and salaries ................................................................................. 75,435 92,863 72,274 65,402 81,318 

 Self-employment income ......................................................................... 9,102 11,211 6,546 8,772 10,532 

 Social Security, private and government retirement ............................... 6,989 6,575 7,383 7,238 6,492 

 Interest, dividends, rental income, and other property income ............... 3,180 3,757 4,182 1,871 3,960 

 Public assistance, Supplemental Security Income, Supplementary 

 Nutrition Assistance Program (SNAP) ................................................. 653 723 746 568 645 

 Unemployment and workers' compensation, veterans' benefits, 

 and regular contributions for support ................................................... 1,201 1,637 918 1,005 1,464 

 Other income ........................................................................................... 255 275 147 303 266 

 Personal taxes (contains some imputed values) ....................................... 14,478 18,023 12,426 14,009 14,341 

 Federal income taxes .............................................................................. 13,149 15,369 11,060 13,466 12,818 

 Stimulus payment (new UCC Q20202)# ................................................. -2,024 -2,074 -2,000 -2,003 -2,042 

 State and local income taxes .................................................................. 3,243 4,629 3,227 2,435 3,479 

 Other taxes .............................................................................................. 110 99 140 111 485 

 Income after taxes ...................................................................................... 82,337 99,017 79,772 71,149 90,336 

Addenda: 

 Net change in total assets and liabilities .................................................... $36,642 $30,890 $28,975 $49,988 $25,876 

 Net change in total assets ....................................................................... 53,489 42,863 42,741 59,235 64,064 

 Net change in total liabilities .................................................................... 16,847 11,973 13,766 9,246 38,188 

 Other financial information: 

 Other money receipts .............................................................................. 5,296 962 3,333 10,503 1,872 

 Mortgage principal paid on owned property ............................................ -3,071 -3,509 -2,827 -2,605 -3,782 

 Estimated market value of owned home ................................................. 288,356 314,520 197,883 222,422 480,191 

 Estimated monthly rental value of owned home ..................................... 1,449 1,640 1,208 1,286 1,827 

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