Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Item Total Northeast Midwest South West 55-64 Number of consumer units (in thousands)...... 14,932 2,940 3,392 5,521 3,078 Income before taxes a/ ...................... $52,569 $55,114 $53,381 $46,013 $60,659 Income after taxes a/ ....................... 49,391 52,209 50,100 43,558 56,086 Age of the reference person.................. 59.1 58.9 59.2 59.1 59.2 Average number in consumer unit: Persons..................................... 2.1 2.2 2.1 2.1 2.1 Children under 18........................... .2 .2 .1 .2 .2 Persons 65 and over......................... .1 .1 .1 .1 .1 Earners..................................... 1.3 1.4 1.4 1.2 1.4 Vehicles.................................... 2.2 2.0 2.5 2.2 2.4 Percent distribution: Male........................................ 55 55 57 52 56 Female...................................... 45 45 43 48 44 Homeowner................................... 81 78 85 80 79 With mortgage.............................. 43 38 40 41 53 Without mortgage........................... 38 40 45 40 26 Renter...................................... 19 22 15 20 21 Black....................................... 11 9 9 16 7 White and other............................. 89 91 91 84 93 Elementary (1-8)............................ 6 6 4 8 5 High school (9-12).......................... 40 46 43 42 27 College..................................... 54 48 53 49 67 Never attended and other.................... b/ b/ c/ b/ b/ At least one vehicle owned or leased........ 92 88 93 92 93 Average annual expenditures.................. $42,934 $46,696 $43,744 $36,759 $49,614 Food........................................ 5,502 6,496 5,070 5,041 5,885 Food at home............................. 3,174 3,654 2,942 2,943 3,408 Cereals and bakery products............ 442 529 425 400 458 Cereals and cereal products.......... 140 182 128 124 144 Bakery products...................... 302 347 297 276 314 Meats, poultry, fish, and eggs......... 851 1,008 739 830 866 Beef................................. 240 254 202 243 262 Pork................................. 186 196 178 193 172 Other meats.......................... 103 131 99 94 97 Poultry.............................. 144 182 114 135 157 Fish and seafood..................... 144 209 117 130 139 Eggs................................. 34 37 28 34 38 Dairy products......................... 333 398 315 297 358 Fresh milk and cream................. 124 132 116 120 130 Other dairy products................. 209 266 199 177 227 Fruits and vegetables.................. 574 701 488 513 661 Fresh fruits......................... 190 233 169 160 229 Fresh vegetables..................... 187 237 146 164 227 Processed fruits..................... 113 135 101 103 122 Processed vegetables................. 84 97 72 86 82 Other food at home..................... 974 1,017 976 903 1,065 Sugar and other sweets............... 126 124 135 113 142 Fats and oils........................ 90 101 83 87 94 Miscellaneous foods.................. 441 456 429 419 481 Nonalcoholic beverages............... 265 279 282 245 272 Food prepared by consumer unit on out-of-town trips................... 53 58 47 40 77 Food away from home.................... 2,328 2,842 2,128 2,098 2,478 Alcoholic beverages......................... 372 531 334 258 477 Housing..................................... 13,330 14,895 13,086 11,152 16,026 Shelter.................................. 7,375 8,825 6,508 5,819 9,737 Owned dwellings........................ 5,365 6,140 4,879 4,266 7,129 Mortgage interest and charges........ 2,628 2,375 2,023 2,153 4,387 Property taxes....................... 1,488 2,348 1,524 1,054 1,407 Maintenance, repairs, insurance,other expenses............................ 1,249 1,417 1,333 1,059 1,335 Rented dwellings....................... 1,246 1,639 794 1,065 1,693 Other lodging.......................... 764 1,046 835 487 914 Utilities, fuels, and public services.... 2,975 3,133 3,053 2,902 2,867 Natural gas............................ 399 471 585 247 398 Electricity............................ 1,110 994 1,020 1,319 945 Fuel oil and other fuels............... 138 368 109 75 64 Telephone services..................... 954 1,000 985 908 959 Water and other public services........ 374 300 354 354 501 Household operations..................... 527 562 517 383 761 Personal services...................... 82 94 116 37 114 Other household expenses............... 445 468 401 346 647 Housekeeping supplies.................... 719 685 1,184 516 622 Laundry and cleaning supplies.......... 143 149 136 151 131 Other household products............... 421 334 908 246 295 Postage and stationery................. 155 202 140 119 196 Household furnishings and equipment...... 1,734 1,691 1,824 1,532 2,039 Household textiles..................... 167 137 138 149 258 Furniture.............................. 420 493 333 381 517 Floor coverings........................ 51 64 53 25 85 Major appliances....................... 206 182 266 152 262 Small appliances, miscellaneous housewares............................ 128 124 168 116 108 Miscellaneous household equipment...... 763 691 865 709 809 Apparel and services........................ 1,687 1,994 1,663 1,464 1,829 Men and boys............................. 351 394 425 297 330 Men, 16 and over....................... 316 347 391 265 296 Boys, 2 to 15.......................... 35 47 34 31 34 Women and girls.......................... 765 844 731 696 852 Women, 16 and over..................... 713 789 683 651 791 Girls, 2 to 15......................... 51 56 49 45 61 Children under 2......................... 50 58 55 40 54 Footwear................................. 271 386 211 250 265 Other apparel products and services...... 251 311 240 182 328 Transportation.............................. 8,275 8,412 9,099 7,401 8,807 Vehicle purchases (net outlay)........... 3,831 3,515 4,510 3,579 3,837 Cars and trucks, new................... 2,093 1,993 2,168 2,144 2,015 Cars and trucks, used.................. 1,691 1,502 2,308 1,361 1,781 Other vehicles......................... 47 d/ 20 d/ 33 d/ 74 d/ 41 Gasoline and motor oil................... 1,317 1,202 1,412 1,254 1,436 Other vehicle expenses................... 2,607 2,841 2,756 2,220 2,915 Vehicle finance charges................ 367 310 399 386 354 Maintenance and repairs................ 757 739 797 635 947 Vehicle insurance...................... 946 1,024 937 865 1,027 Vehicle rental, leases, licenses, other charges.............................. 538 769 622 334 588 Public transportation.................... 520 854 422 347 618 Health care................................. 2,859 2,903 2,812 2,761 3,044 Health insurance......................... 1,275 1,306 1,262 1,266 1,275 Medical services......................... 817 879 748 675 1,089 Drugs.................................... 632 571 663 699 535 Medical supplies......................... 135 147 139 121 144 Entertainment............................... 2,317 2,281 2,861 1,577 3,090 Fees and admissions...................... 586 649 675 399 763 Television, radios, sound equipment...... 680 737 746 574 745 Pets, toys, and playground equipment..... 415 419 441 353 494 Other entertainment supplies, equipment,and services.................. 636 476 999 251 1,088 Personal care products and services......... 549 539 566 493 643 Reading..................................... 182 222 203 117 240 Education................................... 515 746 521 355 577 Tobacco products and smoking supplies....... 347 407 428 318 252 Miscellaneous............................... 874 1,022 746 733 1,130 Cash contributions.......................... 1,500 1,478 1,672 1,245 1,787 Personal insurance and pensions............. 4,625 4,769 4,682 3,843 5,826 Life and other personal insurance........ 623 778 731 537 513 Pensions and Social Security............. 4,001 3,991 3,951 3,306 5,314 Sources of income and personal taxes: a/ Money income before taxes.................. 52,569 55,114 53,381 46,013 60,659 Wages and salaries....................... 39,646 43,477 39,982 34,927 43,859 Self-employment income................... 3,056 1,758 3,583 2,087 5,401 Social Security, private and government retirement................... 7,265 7,672 7,125 6,992 7,498 Interest, dividends, rental income, other property income................... 1,467 1,182 1,343 1,179 2,352 Unemployment and workers'' compensation, veterans'' benefits..................... 332 461 267 202 501 Public assistance, supplemental security, income, food stamps..................... 448 349 437 466 523 Regular contributions for support........ 284 173 571 84 440 Other income............................. 71 43 73 77 85 Personal taxes............................. 3,179 2,905 3,282 2,456 4,573 Federal income taxes..................... 2,378 2,086 2,325 1,991 3,368 State and local income taxes............. 586 574 695 305 968 Other taxes.............................. 215 244 261 159 237 Income after taxes......................... 49,391 52,209 50,100 43,558 56,086 Net change in total assets and liabilities... -4,894 375 -1,394 -5,437 -12,811 Net change in total assets............... 2,483 3,798 3,040 2,049 1,389 Net change in total liabilities.......... 7,377 3,423 4,434 7,487 14,200 Other financial information: Other money receipts..................... 873 587 2,423 168 704 Mortgage principal paid on owned property................................ -1,824 -2,101 -1,492 -1,520 -2,471 Estimated market value of owned home..... 133,761 148,532 114,321 100,867 200,066 Estimated monthly rental value of owned home.................................... 859 981 751 710 1,130 Gifts of goods and services................. 1,468 1,911 1,566 1,086 1,629 Food..................................... 126 266 127 74 83 Alcoholic beverages...................... 11 14 8 9 18 Housing.................................. 353 382 383 300 387 Housekeeping supplies.................. 59 91 60 43 60 Household textiles..................... 27 31 29 20 35 Appliances and miscellaneous housewares........................... 51 42 67 54 33 Major appliances..................... 20 15 40 11 17 Small appliances and miscellaneous housewares......................... 31 27 26 43 16 Miscellaneous household equipment...... 89 95 99 82 83 Other housing.......................... 127 124 128 101 176 Apparel and services..................... 340 407 341 298 352 Males, 2 and over...................... 76 80 90 75 59 Females, 2 and over.................... 154 140 168 133 192 Children under 2....................... 44 55 47 34 47 Other apparel products and services.... 66 132 36 57 54 Jewelry and watches.................. 25 59 22 10 21 All other apparel products and services............................ 42 72 14 47 32 Transportation........................... 81 20 100 54 164 Health care.............................. 54 129 33 28 52 Entertainment............................ 100 115 129 76 99 Toys, games, hobbies, and tricycles.... 51 57 66 42 45 Other entertainment.................... 49 58 63 34 53 Personal care products and services...... 31 13 75 16 29 Reading.................................. 2 3 2 1 2 Education................................ 249 387 292 131 280 All other gifts.......................... 121 176 74 98 163 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.