Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1995-96 ________________________________________________________________________________________________________________________________ | | | | | Item | Total | Northeast | Midwest | South | West | 55-64 | | | | | | | | | ________________________________________________________________________________________________________________________________ | | | | | Number of consumer units (in thousands).........| 12,535 | 2,380 | 3,141 | 4,380 | 2,634 | | | | | Consumer unit characteristics: | | | | | | | | | | Income before taxes 1/........................| $39,417 | $42,793 | $38,770 | $37,147 | $40,765 Income after taxes 1/.........................| 36,080 | 39,817 | 35,496 | 34,040 | 36,713 Age of reference person.......................| 59.3 | 59.7 | 59.2 | 59.4 | 59.1 | | | | | Average number in consumer unit: | | | | | Persons.....................................| 2.3 | 2.3 | 2.2 | 2.2 | 2.5 Children under 18...........................| .2 | .2 | .1 | .2 | .3 Persons 65 and over.........................| .1 | .1 | .1 | .1 | .1 Earners.....................................| 1.4 | 1.4 | 1.5 | 1.3 | 1.4 Vehicles....................................| 2.2 | 1.9 | 2.5 | 2.2 | 2.4 | | | | | Percent distribution: | | | | | | | | | | Sex of reference person: | | | | | Male......................................| 64 | 60 | 68 | 63 | 64 Female....................................| 36 | 40 | 32 | 37 | 36 | | | | | Housing tenure: | | | | | Homeowner.................................| 80 | 73 | 83 | 84 | 76 With mortgage...........................| 38 | 30 | 39 | 38 | 46 Without mortgage........................| 42 | 43 | 43 | 46 | 31 Renter....................................| 20 | 27 | 17 | 16 | 24 | | | | | Race of reference person: | | | | | Black.....................................| 11 | 11 | 8 | 16 | 5 White and other...........................| 89 | 89 | 92 | 84 | 95 | | | | | Education of reference person: | | | | | Elementary (1-8)..........................| 11 | 13 | 7 | 16 | 7 High school (9-12)........................| 45 | 49 | 51 | 41 | 39 College...................................| 44 | 37 | 42 | 43 | 53 Never attended and other..................| 1 | 1 | (2) | 1 | 1 | | | | | At least one vehicle owned..................| 90 | 81 | 91 | 91 | 94 | | | | | Average annual expenditures.....................| $34,230 | $35,615 | $34,761 | $31,682 | $36,430 | | | | | Food..........................................| 4,755 | 5,461 | 4,660 | 4,153 | 5,155 Food at home................................| 2,979 | 3,432 | 2,939 | 2,644 | 3,132 Cereals and bakery products...............| 449 | 547 | 452 | 394 | 443 Cereals and cereal products.............| 153 | 173 | 167 | 131 | 152 Bakery products.........................| 296 | 374 | 285 | 262 | 290 Meats, poultry, fish, and eggs............| 815 | 1,006 | 783 | 753 | 769 Beef....................................| 244 | 268 | 252 | 226 | 241 Pork....................................| 172 | 197 | 179 | 175 | 138 Other meats.............................| 114 | 164 | 115 | 98 | 92 Poultry.................................| 146 | 192 | 136 | 132 | 138 Fish and seafood........................| 102 | 147 | 69 | 85 | 124 Eggs....................................| 36 | 40 | 32 | 37 | 36 | | | | | Dairy products............................| 307 | 343 | 313 | 275 | 320 Fresh milk and cream....................| 123 | 123 | 131 | 123 | 113 Other dairy products....................| 184 | 219 | 182 | 152 | 207 Fruits and vegetables.....................| 519 | 613 | 481 | 459 | 571 Fresh fruits............................| 164 | 182 | 161 | 141 | 188 Fresh vegetables........................| 168 | 201 | 146 | 151 | 187 Processed fruits........................| 107 | 142 | 96 | 88 | 114 Processed vegetables....................| 81 | 87 | 78 | 79 | 82 | | | | | Other food at home........................| 889 | 923 | 911 | 764 | 1,030 Sugar and other sweets..................| 121 | 123 | 119 | 110 | 139 Fats and oils...........................| 93 | 99 | 96 | 89 | 90 Miscellaneous foods.....................| 359 | 369 | 354 | 297 | 453 Nonalcoholic beverages..................| 255 | 273 | 276 | 213 | 279 Food prepared by consumer unit | | | | | on out-of-town trips...................| 61 | 59 | 66 | 55 | 69 Food away from home.........................| 1,776 | 2,029 | 1,720 | 1,509 | 2,022 | | | | | Alcoholic beverages...........................| 316 | 344 | 247 | 291 | 405 | | | | | Housing.......................................| 10,503 | 11,733 | 10,136 | 9,655 | 11,232 Shelter.....................................| 5,559 | 6,867 | 5,233 | 4,783 | 6,055 Owned dwellings...........................| 3,892 | 4,579 | 3,701 | 3,585 | 4,010 Mortgage interest and charges...........| 1,771 | 1,623 | 1,578 | 1,643 | 2,345 Property taxes..........................| 1,146 | 1,876 | 1,295 | 809 | 868 Maintenance, repairs, insurance, | | | | | other expenses.........................| 976 | 1,080 | 827 | 1,133 | 797 Rented dwellings..........................| 1,073 | 1,558 | 801 | 719 | 1,547 Other lodging.............................| 594 | 731 | 731 | 479 | 498 Utilities, fuels, and public services.......| 2,539 | 2,703 | 2,489 | 2,637 | 2,288 Natural gas...............................| 332 | 462 | 431 | 220 | 283 Electricity...............................| 1,007 | 945 | 907 | 1,224 | 818 Fuel oil and other fuels..................| 118 | 281 | 124 | 71 | 41 Telephone services........................| 768 | 745 | 765 | 793 | 752 Water and other public services...........| 315 | 271 | 263 | 329 | 394 Household operations........................| 380 | 355 | 381 | 347 | 455 Personal services.........................| 76 | 3/25 | 3/121 | 30 | 144 Other household expenses..................| 304 | 329 | 260 | 316 | 311 | | | | | Housekeeping supplies.......................| 556 | 505 | 530 | 472 | 766 Laundry and cleaning supplies.............| 128 | 138 | 130 | 108 | 149 Other household products..................| 261 | 231 | 282 | 239 | 301 Postage and stationery....................| 167 | 136 | 117 | 124 | 316 Household furnishings and equipment.........| 1,470 | 1,303 | 1,503 | 1,417 | 1,667 Household textiles........................| 78 | 75 | 89 | 77 | 72 Furniture.................................| 312 | 223 | 316 | 369 | 293 Floor coverings...........................| 121 | 55 | 249 | 50 | 156 Major appliances..........................| 191 | 166 | 218 | 167 | 220 Small appliances, miscellaneous housewares| 129 | 120 | 104 | 157 | 123 Miscellaneous household equipment.........| 638 | 664 | 528 | 598 | 803 | | | | | Apparel and services..........................| 1,618 | 1,947 | 1,576 | 1,270 | 1,911 Men and boys................................| 396 | 424 | 373 | 342 | 480 Men, 16 and over..........................| 341 | 347 | 318 | 301 | 423 Boys, 2 to 15.............................| 55 | 77 | 55 | 41 | 57 Women and girls.............................| 768 | 975 | 748 | 619 | 833 Women, 16 and over........................| 693 | 923 | 661 | 546 | 745 Girls, 2 to 15............................| 75 | 51 | 87 | 73 | 87 Children under 2............................| 50 | 64 | 32 | 22 | 103 Footwear....................................| 233 | 269 | 261 | 140 | 316 Other apparel products and services.........| 171 | 215 | 163 | 147 | 180 | | | | | Transportation................................| 6,305 | 6,259 | 6,590 | 6,152 | 6,256 Vehicle purchases (net outlay)..............| 2,511 | 2,401 | 2,640 | 2,658 | 2,215 Cars and trucks, new......................| 1,213 | 1,195 | 1,279 | 1,379 | 873 Cars and trucks, used.....................| 1,275 | 1,191 | 1,288 | 1,275 | 1,335 Other vehicles............................| 3/24 | 3/15 | 3/74 | 3/4 | 3/6 Gasoline and motor oil......................| 1,128 | 971 | 1,195 | 1,172 | 1,118 Other vehicle expenses......................| 2,170 | 2,305 | 2,194 | 1,935 | 2,403 Vehicle finance charges...................| 251 | 171 | 230 | 305 | 257 Maintenance and repairs...................| 699 | 622 | 736 | 626 | 842 Vehicle insurance.........................| 791 | 931 | 752 | 727 | 818 Vehicle rental, leases, licenses, | | | | | other charges............................| 429 | 581 | 476 | 277 | 486 Public transportation.......................| 496 | 581 | 561 | 388 | 520 | | | | | Health care...................................| 2,041 | 1,957 | 2,067 | 2,168 | 1,873 Health insurance............................| 926 | 892 | 978 | 1,012 | 754 Medical services............................| 656 | 712 | 588 | 668 | 665 Drugs.......................................| 364 | 274 | 395 | 401 | 347 Medical supplies............................| 95 | 79 | 105 | 87 | 107 | | | | | Entertainment.................................| 1,803 | 1,662 | 2,249 | 1,443 | 1,987 Fees and admissions.........................| 433 | 377 | 470 | 359 | 565 Television, radios, sound equipment.........| 515 | 516 | 498 | 465 | 616 Pets, toys, and playground equipment........| 347 | 349 | 388 | 313 | 355 Other entertainment supplies, equipment, | | | | | and services...............................| 508 | 420 | 893 | 307 | 451 | | | | | Personal care products and services...........| 516 | 531 | 517 | 491 | 540 | | | | | Reading.......................................| 193 | 220 | 194 | 164 | 214 | | | | | Education.....................................| 398 | 581 | 395 | 340 | 336 | | | | | Tobacco products and smoking supplies.........| 301 | 320 | 304 | 304 | 273 | | | | | Miscellaneous.................................| 955 | 963 | 1,016 | 870 | 1,019 | | | | | Cash contributions............................| 1,197 | 684 | 1,442 | 1,193 | 1,375 | | | | | Personal insurance and pensions...............| 3,328 | 2,954 | 3,368 | 3,187 | 3,854 Life and other personal insurance...........| 550 | 552 | 479 | 583 | 580 Pensions and Social Security................| 2,778 | 2,402 | 2,888 | 2,604 | 3,274 | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | Money income before taxes.....................| 39,417 | 42,793 | 38,770 | 37,147 | 40,765 Wages and salaries..........................| 28,706 | 31,869 | 28,032 | 27,115 | 29,242 Self-employment income......................| 2,214 | 1,443 | 3,122 | 1,883 | 2,327 Social Security, private and government | | | | | retirement.................................| 6,146 | 6,322 | 5,662 | 6,332 | 6,268 Interest, dividends, rental income, other | | | | | property income............................| 1,300 | 1,623 | 1,402 | 964 | 1,423 Unemployment and workers' compensation, | | | | | veterans' benefits.........................| 265 | 322 | 179 | 209 | 398 Public assistance, supplemental security | | | | | income, food stamps........................| 466 | 558 | 191 | 440 | 739 Regular contributions for support...........| 127 | 3/198 | 3/96 | 96 | 3/150 Other income................................| 192 | 457 | 86 | 108 | 218 | | | | | Personal taxes................................| 3,337 | 2,976 | 3,274 | 3,107 | 4,052 Federal income taxes........................| 2,451 | 1,964 | 2,302 | 2,452 | 3,020 State and local income taxes................| 647 | 683 | 684 | 480 | 824 Other taxes.................................| 240 | 329 | 288 | 176 | 208 | | | | | Income after taxes............................| 36,080 | 39,817 | 35,496 | 34,040 | 36,713 | | | | | Addenda: | | | | | | | | | | Net change in total assets and liabilities....| 133 | 1,426 | 925 | 938 | -3,318 Net change in total assets..................| 2,640 | 2,455 | 2,313 | 2,662 | 3,160 Net change in total liabilities.............| 2,507 | 1,029 | 1,387 | 1,724 | 6,479 | | | | | Other financial information: | | | | | | | | | | Other money receipts........................| 534 | 328 | 537 | 867 | 161 Mortgage principal paid on owned property...| -1,154 | -1,264 | -1,293 | -924 | -1,271 Estimated market value of owned home........| 92,537 | 103,847 | 83,872 | 75,009 | 121,795 Estimated monthly rental value of owned home| 629 | 693 | 598 | 552 | 736 | | | | | Gifts of goods and services...................| 1,469 | 1,444 | 1,819 | 1,265 | 1,414 Food........................................| 78 | 117 | 70 | 56 | 85 Housing.....................................| 328 | 337 | 361 | 313 | 304 Housekeeping supplies.....................| 51 | 57 | 43 | 31 | 87 Household textiles........................| 12 | 17 | 12 | 10 | 12 Appliances and miscellaneous housewares...| 58 | 47 | 67 | 78 | 24 Major appliances........................| 11 | 3/12 | 21 | 10 | 3/1 Small appliances and miscellaneous | | | | | housewares.............................| 47 | 35 | 46 | 69 | 24 Miscellaneous household equipment.........| 94 | 99 | 89 | 98 | 91 Other housing.............................| 112 | 117 | 151 | 96 | 90 Apparel and services........................| 419 | 409 | 488 | 354 | 453 Males, 2 and over.........................| 101 | 120 | 107 | 99 | 77 Females, 2 and over.......................| 206 | 165 | 286 | 181 | 194 Children under 2..........................| 45 | 51 | 26 | 19 | 100 Other apparel products and services.......| 68 | 3/74 | 68 | 55 | 82 Jewelry and watches.....................| 30 | 3/33 | 3/30 | 3/25 | 3/38 All other apparel products and services.| 37 | 3/41 | 38 | 30 | 44 Transportation..............................| 80 | 40 | 148 | 56 | 76 Health care.................................| 44 | 3/19 | 74 | 23 | 64 Entertainment...............................| 169 | 180 | 225 | 144 | 137 Toys, games, hobbies, and tricycles.......| 90 | 120 | 142 | 57 | 55 Other entertainment.......................| 80 | 60 | 83 | 87 | 82 Education...................................| 164 | 3/146 | 230 | 152 | 124 All other gifts.............................| 187 | 196 | 223 | 167 | 171 | | | | | ________________________________________________________________________________________________________________________________ 1/ Components of income and taxes are derived from "complete income reporters" only; see glossary. 2/ No data reported. 3/ Data are likely to have large sampling errors.