Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995-96 ________________________________________________________________________________________________________________________________ | | | | | Item | Total | Northeast | Midwest | South | West | 45-54 | | | | | | | | | ________________________________________________________________________________________________________________________________ | | | | | Number of consumer units (in thousands).........| 18,913 | 3,532 | 4,564 | 6,502 | 4,316 | | | | | Consumer unit characteristics: | | | | | | | | | | Income before taxes 1/........................| $51,860 | $56,252 | $52,982 | $47,794 | $53,411 Income after taxes 1/.........................| 47,058 | 51,285 | 48,311 | 43,897 | 47,314 Age of reference person.......................| 49.1 | 49.3 | 49.1 | 49.2 | 49.0 | | | | | Average number in consumer unit: | | | | | Persons.....................................| 2.8 | 2.7 | 2.8 | 2.8 | 2.7 Children under 18...........................| .6 | .6 | .6 | .6 | .6 Persons 65 and over.........................| (2) | .1 | (2) | (2) | (2) Earners.....................................| 1.9 | 1.8 | 1.9 | 1.9 | 1.8 Vehicles....................................| 2.5 | 2.0 | 2.8 | 2.4 | 2.6 | | | | | Percent distribution: | | | | | | | | | | Sex of reference person: | | | | | Male......................................| 66 | 60 | 72 | 67 | 65 Female....................................| 34 | 40 | 28 | 33 | 35 | | | | | Housing tenure: | | | | | Homeowner.................................| 76 | 75 | 81 | 77 | 71 With mortgage...........................| 56 | 54 | 59 | 54 | 59 Without mortgage........................| 20 | 21 | 21 | 22 | 12 Renter....................................| 24 | 25 | 19 | 23 | 29 | | | | | Race of reference person: | | | | | Black.....................................| 12 | 10 | 9 | 19 | 6 White and other...........................| 88 | 90 | 91 | 81 | 94 | | | | | Education of reference person: | | | | | Elementary (1-8)..........................| 5 | 6 | 4 | 6 | 6 High school (9-12)........................| 40 | 39 | 43 | 44 | 30 College...................................| 55 | 55 | 53 | 50 | 64 Never attended and other..................| (3) | (3) | (4) | (3) | (3) | | | | | At least one vehicle owned..................| 91 | 84 | 93 | 93 | 90 | | | | | Average annual expenditures.....................| $42,604 | $44,972 | $42,135 | $39,446 | $45,860 | | | | | Food..........................................| 5,617 | 6,238 | 5,476 | 5,171 | 5,874 Food at home................................| 3,314 | 3,657 | 3,132 | 2,983 | 3,686 Cereals and bakery products...............| 509 | 606 | 478 | 451 | 539 Cereals and cereal products.............| 182 | 231 | 161 | 157 | 193 Bakery products.........................| 328 | 375 | 317 | 294 | 346 Meats, poultry, fish, and eggs............| 894 | 1,016 | 823 | 836 | 940 Beef....................................| 265 | 271 | 270 | 249 | 279 Pork....................................| 180 | 170 | 165 | 190 | 189 Other meats.............................| 117 | 147 | 118 | 101 | 110 Poultry.................................| 176 | 226 | 149 | 169 | 166 Fish and seafood........................| 123 | 163 | 93 | 94 | 158 Eggs....................................| 34 | 38 | 28 | 32 | 39 | | | | | Dairy products............................| 343 | 393 | 329 | 293 | 386 Fresh milk and cream....................| 136 | 145 | 131 | 125 | 151 Other dairy products....................| 207 | 248 | 198 | 168 | 236 Fruits and vegetables.....................| 543 | 638 | 499 | 478 | 601 Fresh fruits............................| 169 | 190 | 164 | 141 | 195 Fresh vegetables........................| 170 | 210 | 142 | 155 | 184 Processed fruits........................| 112 | 139 | 101 | 95 | 122 Processed vegetables....................| 93 | 99 | 92 | 87 | 98 | | | | | Other food at home........................| 1,024 | 1,004 | 1,004 | 925 | 1,219 Sugar and other sweets..................| 127 | 124 | 119 | 109 | 167 Fats and oils...........................| 92 | 105 | 84 | 82 | 105 Miscellaneous foods.....................| 441 | 391 | 439 | 407 | 543 Nonalcoholic beverages..................| 304 | 327 | 302 | 278 | 324 Food prepared by consumer unit | | | | | on out-of-town trips...................| 60 | 57 | 60 | 50 | 80 Food away from home.........................| 2,303 | 2,581 | 2,344 | 2,188 | 2,189 | | | | | Alcoholic beverages...........................| 352 | 495 | 304 | 255 | 417 | | | | | Housing.......................................| 12,914 | 13,904 | 12,387 | 11,372 | 15,010 Shelter.....................................| 7,403 | 8,493 | 6,748 | 5,953 | 9,388 Owned dwellings...........................| 5,390 | 5,889 | 5,282 | 4,327 | 6,696 Mortgage interest and charges...........| 3,151 | 2,937 | 2,911 | 2,435 | 4,661 Property taxes..........................| 1,322 | 1,960 | 1,438 | 1,070 | 1,057 Maintenance, repairs, insurance, | | | | | other expenses.........................| 916 | 993 | 934 | 822 | 977 Rented dwellings..........................| 1,393 | 1,692 | 930 | 1,145 | 2,013 Other lodging.............................| 620 | 912 | 536 | 481 | 678 Utilities, fuels, and public services.......| 2,706 | 2,836 | 2,718 | 2,815 | 2,425 Natural gas...............................| 321 | 395 | 472 | 206 | 274 Electricity...............................| 1,055 | 983 | 965 | 1,303 | 837 Fuel oil and other fuels..................| 108 | 299 | 94 | 56 | 43 Telephone services........................| 892 | 895 | 887 | 908 | 872 Water and other public services...........| 330 | 264 | 299 | 342 | 399 Household operations........................| 452 | 433 | 321 | 497 | 537 Personal services.........................| 107 | 59 | 73 | 129 | 149 Other household expenses..................| 345 | 374 | 249 | 369 | 388 | | | | | Housekeeping supplies.......................| 565 | 572 | 593 | 480 | 659 Laundry and cleaning supplies.............| 133 | 133 | 158 | 130 | 111 Other household products..................| 250 | 269 | 262 | 219 | 267 Postage and stationery....................| 181 | 170 | 173 | 131 | 281 Household furnishings and equipment.........| 1,788 | 1,570 | 2,007 | 1,626 | 2,001 Household textiles........................| 104 | 125 | 107 | 93 | 98 Furniture.................................| 395 | 302 | 390 | 391 | 483 Floor coverings...........................| 144 | 162 | 261 | 38 | 165 Major appliances..........................| 204 | 202 | 220 | 196 | 203 Small appliances, miscellaneous housewares| 112 | 95 | 91 | 106 | 160 Miscellaneous household equipment.........| 829 | 683 | 937 | 803 | 892 | | | | | Apparel and services..........................| 2,286 | 2,596 | 2,241 | 2,265 | 2,072 Men and boys................................| 560 | 596 | 608 | 531 | 524 Men, 16 and over..........................| 469 | 498 | 501 | 437 | 456 Boys, 2 to 15.............................| 91 | 97 | 107 | 94 | 68 Women and girls.............................| 935 | 1,071 | 881 | 906 | 907 Women, 16 and over........................| 833 | 955 | 763 | 818 | 815 Girls, 2 to 15............................| 102 | 115 | 118 | 88 | 92 Children under 2............................| 66 | 50 | 97 | 63 | 55 Footwear....................................| 331 | 343 | 368 | 333 | 279 Other apparel products and services.........| 394 | 536 | 287 | 433 | 307 | | | | | Transportation................................| 8,109 | 7,755 | 8,061 | 8,059 | 8,522 Vehicle purchases (net outlay)..............| 3,519 | 2,843 | 3,517 | 3,748 | 3,728 Cars and trucks, new......................| 1,387 | 1,373 | 1,248 | 1,611 | 1,209 Cars and trucks, used.....................| 2,095 | 1,368 | 2,228 | 2,130 | 2,495 Other vehicles............................| 37 | 5/101 | 5/41 | 5/7 | 5/24 Gasoline and motor oil......................| 1,363 | 1,211 | 1,385 | 1,426 | 1,369 Other vehicle expenses......................| 2,748 | 2,904 | 2,806 | 2,528 | 2,888 Vehicle finance charges...................| 374 | 269 | 383 | 441 | 348 Maintenance and repairs...................| 869 | 817 | 913 | 831 | 923 Vehicle insurance.........................| 929 | 1,095 | 919 | 867 | 899 Vehicle rental, leases, licenses, | | | | | other charges............................| 576 | 724 | 591 | 389 | 717 Public transportation.......................| 479 | 796 | 353 | 357 | 538 | | | | | Health care...................................| 1,849 | 1,835 | 1,808 | 1,984 | 1,702 Health insurance............................| 803 | 806 | 778 | 880 | 708 Medical services............................| 645 | 646 | 599 | 661 | 667 Drugs.......................................| 282 | 254 | 288 | 338 | 212 Medical supplies............................| 120 | 130 | 142 | 104 | 115 | | | | | Entertainment.................................| 2,275 | 2,433 | 2,424 | 2,056 | 2,331 Fees and admissions.........................| 570 | 600 | 572 | 523 | 615 Television, radios, sound equipment.........| 661 | 668 | 664 | 655 | 660 Pets, toys, and playground equipment........| 443 | 441 | 603 | 330 | 452 Other entertainment supplies, equipment, | | | | | and services...............................| 602 | 724 | 585 | 548 | 604 | | | | | Personal care products and services...........| 627 | 630 | 647 | 610 | 639 | | | | | Reading.......................................| 198 | 240 | 205 | 162 | 212 | | | | | Education.....................................| 934 | 1,456 | 1,039 | 717 | 724 | | | | | Tobacco products and smoking supplies.........| 335 | 310 | 384 | 373 | 248 | | | | | Miscellaneous.................................| 1,079 | 1,243 | 1,088 | 906 | 1,207 | | | | | Cash contributions............................| 1,324 | 1,065 | 1,243 | 1,269 | 1,705 | | | | | Personal insurance and pensions...............| 4,702 | 4,772 | 4,829 | 4,247 | 5,196 Life and other personal insurance...........| 517 | 538 | 531 | 550 | 435 Pensions and Social Security................| 4,185 | 4,234 | 4,298 | 3,697 | 4,761 | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | Money income before taxes.....................| 51,860 | 56,252 | 52,982 | 47,794 | 53,411 Wages and salaries..........................| 44,538 | 47,640 | 46,788 | 42,124 | 43,589 Self-employment income......................| 3,755 | 5,043 | 2,909 | 2,096 | 5,997 Social Security, private and government | | | | | retirement.................................| 1,678 | 1,589 | 1,529 | 1,910 | 1,552 Interest, dividends, rental income, other | | | | | property income............................| 752 | 916 | 693 | 723 | 731 Unemployment and workers' compensation, | | | | | veterans' benefits.........................| 344 | 322 | 221 | 241 | 625 Public assistance, supplemental security | | | | | income, food stamps........................| 401 | 374 | 270 | 359 | 607 Regular contributions for support...........| 253 | 222 | 383 | 208 | 217 Other income................................| 138 | 145 | 188 | 133 | 93 | | | | | Personal taxes................................| 4,802 | 4,967 | 4,671 | 3,897 | 6,097 Federal income taxes........................| 3,639 | 3,638 | 3,317 | 3,104 | 4,710 State and local income taxes................| 972 | 1,069 | 1,074 | 658 | 1,254 Other taxes.................................| 190 | 260 | 280 | 135 | 133 | | | | | Income after taxes............................| 47,058 | 51,285 | 48,311 | 43,897 | 47,314 | | | | | Addenda: | | | | | | | | | | Net change in total assets and liabilities....| -2,114 | 1,096 | -789 | -2,065 | -6,216 Net change in total assets..................| 3,285 | 3,933 | 3,172 | 3,015 | 3,283 Net change in total liabilities.............| 5,399 | 2,837 | 3,961 | 5,080 | 9,499 | | | | | Other financial information: | | | | | | | | | | Other money receipts........................| 609 | 450 | 726 | 497 | 786 Mortgage principal paid on owned property...| -1,670 | -2,203 | -1,745 | -1,290 | -1,725 Estimated market value of owned home........| 95,197 | 113,437 | 89,293 | 72,750 | 120,326 Estimated monthly rental value of owned home| 640 | 727 | 619 | 541 | 742 | | | | | Gifts of goods and services...................| 1,784 | 2,088 | 2,180 | 1,393 | 1,723 Food........................................| 139 | 225 | 128 | 105 | 133 Housing.....................................| 428 | 468 | 409 | 352 | 533 Housekeeping supplies.....................| 52 | 70 | 50 | 42 | 53 Household textiles........................| 11 | 9 | 11 | 8 | 16 Appliances and miscellaneous housewares...| 42 | 40 | 38 | 43 | 47 Major appliances........................| 12 | 16 | 14 | 8 | 12 Small appliances and miscellaneous | | | | | housewares.............................| 30 | 24 | 24 | 34 | 35 Miscellaneous household equipment.........| 116 | 91 | 115 | 103 | 164 Other housing.............................| 207 | 258 | 195 | 156 | 254 Apparel and services........................| 374 | 378 | 469 | 354 | 301 Males, 2 and over.........................| 106 | 121 | 163 | 67 | 92 Females, 2 and over.......................| 112 | 137 | 120 | 90 | 116 Children under 2..........................| 50 | 45 | 81 | 44 | 31 Other apparel products and services.......| 106 | 75 | 105 | 153 | 62 Jewelry and watches.....................| 64 | 5/44 | 5/52 | 5/102 | 5/35 All other apparel products and services.| 42 | 31 | 53 | 50 | 27 Transportation..............................| 77 | 60 | 86 | 55 | 114 Health care.................................| 46 | 78 | 63 | 27 | 28 Entertainment...............................| 170 | 146 | 290 | 114 | 153 Toys, games, hobbies, and tricycles.......| 45 | 44 | 46 | 37 | 60 Other entertainment.......................| 124 | 102 | 245 | 78 | 93 Education...................................| 376 | 512 | 523 | 293 | 236 All other gifts.............................| 175 | 221 | 211 | 93 | 224 | | | | | ________________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ Value less than 0.05. 3/ Value less than 0.5. 4/ No data reported. 5/ Data are likely to have large sampling errors.