Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1996-97 ________________________________________________________________________________________________________________________________ | | | | | Item | Total | Northeast | Midwest | South | West | 45-54 | | | | | | | | | ________________________________________________________________________________________________________________________________ | | | | | Number of consumer units (in thousands).........| 19,269 | 3,712 | 4,425 | 7,048 | 4,083 | | | | | Consumer unit characteristics: | | | | | | | | | | Income before taxes 1/........................| $53,483 | $59,070 | $54,374 | $47,297 | $58,566 Income after taxes 1/.........................| 48,711 | 54,776 | 49,354 | 43,362 | 52,247 Age of reference person.......................| 49.1 | 49.3 | 49.2 | 49.1 | 49.0 | | | | | Average number in consumer unit: | | | | | Persons.....................................| 2.7 | 2.7 | 2.6 | 2.8 | 2.7 Children under 18...........................| .6 | .6 | .6 | .6 | .6 Persons 65 and over.........................| (2) | (2) | (2) | (2) | (2) Earners.....................................| 1.8 | 1.8 | 1.8 | 1.8 | 1.8 Vehicles....................................| 2.4 | 2.0 | 2.8 | 2.3 | 2.5 | | | | | Percent distribution: | | | | | | | | | | Sex of reference person: | | | | | Male......................................| 65 | 61 | 71 | 65 | 62 Female....................................| 35 | 39 | 29 | 35 | 38 | | | | | Housing tenure: | | | | | Homeowner.................................| 76 | 75 | 82 | 78 | 69 With mortgage...........................| 57 | 56 | 59 | 55 | 57 Without mortgage........................| 19 | 18 | 23 | 22 | 12 Renter....................................| 24 | 25 | 18 | 22 | 31 | | | | | Race of reference person: | | | | | Black.....................................| 12 | 10 | 7 | 19 | 6 White and other...........................| 88 | 90 | 93 | 81 | 94 | | | | | Education of reference person: | | | | | Elementary (1-8)..........................| 5 | 5 | 3 | 6 | 5 High school (9-12)........................| 36 | 38 | 40 | 38 | 27 College...................................| 59 | 57 | 58 | 56 | 67 Never attended and other..................| (3) | (3) | (2) | (3) | (3) | | | | | At least one vehicle owned..................| 91 | 83 | 93 | 92 | 92 | | | | | Average annual expenditures.....................| $44,009 | $48,518 | $43,748 | $39,214 | $48,393 | | | | | Food..........................................| 5,924 | 7,066 | 5,897 | 5,169 | 6,160 Food at home................................| 3,421 | 3,598 | 3,439 | 3,071 | 3,824 Cereals and bakery products...............| 533 | 591 | 545 | 474 | 564 Cereals and cereal products.............| 185 | 209 | 186 | 159 | 203 Bakery products.........................| 348 | 382 | 359 | 314 | 361 Meats, poultry, fish, and eggs............| 903 | 940 | 852 | 856 | 999 Beef....................................| 271 | 258 | 273 | 266 | 288 Pork....................................| 184 | 163 | 176 | 194 | 196 Other meats.............................| 115 | 130 | 126 | 98 | 117 Poultry.................................| 177 | 201 | 161 | 168 | 187 Fish and seafood........................| 118 | 150 | 85 | 95 | 164 Eggs....................................| 37 | 38 | 30 | 36 | 46 | | | | | Dairy products............................| 353 | 399 | 366 | 288 | 407 Fresh milk and cream....................| 138 | 144 | 140 | 122 | 159 Other dairy products....................| 215 | 255 | 226 | 166 | 248 Fruits and vegetables.....................| 565 | 633 | 557 | 483 | 648 Fresh fruits............................| 177 | 197 | 184 | 139 | 213 Fresh vegetables........................| 174 | 201 | 167 | 146 | 202 Processed fruits........................| 120 | 140 | 108 | 105 | 138 Processed vegetables....................| 95 | 95 | 98 | 93 | 94 | | | | | Other food at home........................| 1,067 | 1,035 | 1,119 | 969 | 1,206 Sugar and other sweets..................| 135 | 141 | 135 | 123 | 149 Fats and oils...........................| 96 | 98 | 95 | 90 | 103 Miscellaneous foods.....................| 460 | 403 | 501 | 420 | 539 Nonalcoholic beverages..................| 308 | 321 | 315 | 285 | 327 Food prepared by consumer unit | | | | | on out-of-town trips...................| 68 | 72 | 74 | 52 | 88 Food away from home.........................| 2,503 | 3,468 | 2,458 | 2,098 | 2,335 | | | | | Alcoholic beverages...........................| 357 | 483 | 361 | 247 | 422 | | | | | Housing.......................................| 13,399 | 15,292 | 12,636 | 11,409 | 15,938 Shelter.....................................| 7,543 | 9,161 | 6,793 | 5,817 | 9,863 Owned dwellings...........................| 5,400 | 6,653 | 5,167 | 4,088 | 6,779 Mortgage interest and charges...........| 3,252 | 3,410 | 2,798 | 2,501 | 4,895 Property taxes..........................| 1,268 | 2,118 | 1,490 | 767 | 1,122 Maintenance, repairs, insurance, | | | | | other expenses.........................| 880 | 1,125 | 880 | 820 | 762 Rented dwellings..........................| 1,482 | 1,742 | 1,012 | 1,213 | 2,221 Other lodging.............................| 660 | 766 | 613 | 517 | 863 Utilities, fuels, and public services.......| 2,837 | 3,046 | 2,823 | 2,884 | 2,580 Natural gas...............................| 325 | 404 | 478 | 208 | 288 Electricity...............................| 1,095 | 1,069 | 979 | 1,297 | 899 Fuel oil and other fuels..................| 135 | 382 | 128 | 60 | 47 Telephone services........................| 938 | 920 | 919 | 971 | 919 Water and other public services...........| 344 | 272 | 320 | 348 | 428 Household operations........................| 501 | 504 | 400 | 479 | 647 Personal services.........................| 123 | 110 | 87 | 131 | 158 Other household expenses..................| 378 | 394 | 313 | 347 | 489 | | | | | Housekeeping supplies.......................| 588 | 586 | 628 | 504 | 688 Laundry and cleaning supplies.............| 141 | 143 | 157 | 133 | 134 Other household products..................| 259 | 260 | 277 | 243 | 266 Postage and stationery....................| 188 | 183 | 195 | 128 | 288 Household furnishings and equipment.........| 1,930 | 1,994 | 1,992 | 1,725 | 2,160 Household textiles........................| 111 | 134 | 107 | 95 | 120 Furniture.................................| 456 | 466 | 487 | 425 | 465 Floor coverings...........................| 96 | 201 | 107 | 42 | 80 Major appliances..........................| 206 | 201 | 194 | 211 | 217 Small appliances, miscellaneous housewares| 118 | 104 | 128 | 102 | 149 Miscellaneous household equipment.........| 942 | 887 | 967 | 849 | 1,129 | | | | | Apparel and services..........................| 2,275 | 2,532 | 2,512 | 2,042 | 2,178 Men and boys................................| 568 | 641 | 662 | 472 | 564 Men, 16 and over..........................| 475 | 532 | 555 | 392 | 476 Boys, 2 to 15.............................| 94 | 109 | 107 | 81 | 88 Women and girls.............................| 914 | 1,005 | 1,047 | 790 | 897 Women, 16 and over........................| 809 | 900 | 895 | 703 | 809 Girls, 2 to 15............................| 106 | 105 | 151 | 87 | 88 Children under 2............................| 67 | 56 | 93 | 60 | 64 Footwear....................................| 349 | 323 | 386 | 350 | 332 Other apparel products and services.........| 376 | 508 | 324 | 370 | 321 | | | | | Transportation................................| 8,485 | 8,472 | 8,554 | 7,984 | 9,285 Vehicle purchases (net outlay)..............| 3,606 | 3,076 | 3,767 | 3,577 | 3,966 Cars and trucks, new......................| 1,622 | 1,693 | 1,606 | 1,643 | 1,538 Cars and trucks, used.....................| 1,952 | 1,376 | 2,132 | 1,921 | 2,333 Other vehicles............................| 33 | 4/8 | 4/29 | 4/12 | 4/95 Gasoline and motor oil......................| 1,415 | 1,288 | 1,420 | 1,454 | 1,461 Other vehicle expenses......................| 2,948 | 3,253 | 2,923 | 2,651 | 3,213 Vehicle finance charges...................| 387 | 298 | 404 | 451 | 339 Maintenance and repairs...................| 902 | 869 | 936 | 850 | 984 Vehicle insurance.........................| 962 | 1,116 | 898 | 917 | 969 Vehicle rental, leases, licenses, | | | | | other charges............................| 698 | 971 | 684 | 433 | 921 Public transportation.......................| 514 | 856 | 445 | 303 | 645 | | | | | Health care...................................| 1,891 | 1,910 | 1,882 | 1,981 | 1,729 Health insurance............................| 817 | 847 | 782 | 894 | 695 Medical services............................| 641 | 646 | 651 | 609 | 683 Drugs.......................................| 306 | 277 | 306 | 355 | 247 Medical supplies............................| 127 | 140 | 143 | 124 | 104 | | | | | Entertainment.................................| 2,325 | 2,571 | 2,366 | 1,975 | 2,657 Fees and admissions.........................| 618 | 775 | 624 | 462 | 737 Television, radios, sound equipment.........| 672 | 728 | 653 | 638 | 700 Pets, toys, and playground equipment........| 404 | 404 | 429 | 359 | 455 Other entertainment supplies, equipment, | | | | | and services...............................| 631 | 664 | 661 | 515 | 764 | | | | | Personal care products and services...........| 641 | 647 | 697 | 596 | 654 | | | | | Reading.......................................| 201 | 248 | 208 | 157 | 229 | | | | | Education.....................................| 956 | 1,539 | 972 | 695 | 858 | | | | | Tobacco products and smoking supplies.........| 318 | 287 | 377 | 345 | 235 | | | | | Miscellaneous.................................| 1,123 | 1,268 | 1,198 | 992 | 1,135 | | | | | Cash contributions............................| 1,311 | 1,112 | 1,289 | 1,310 | 1,517 | | | | | Personal insurance and pensions...............| 4,803 | 5,090 | 4,798 | 4,311 | 5,397 Life and other personal insurance...........| 539 | 625 | 478 | 567 | 480 Pensions and Social Security................| 4,263 | 4,464 | 4,320 | 3,744 | 4,917 | | | | | Sources of income and personal taxes: 1/ | | | | | | | | | | Money income before taxes.....................| 53,483 | 59,070 | 54,374 | 47,297 | 58,566 Wages and salaries..........................| 46,057 | 50,547 | 48,025 | 41,929 | 47,534 Self-employment income......................| 4,002 | 5,216 | 3,487 | 1,753 | 7,301 Social Security, private and government | | | | | retirement.................................| 1,621 | 1,357 | 1,372 | 2,033 | 1,374 Interest, dividends, rental income, other | | | | | property income............................| 676 | 724 | 694 | 469 | 970 Unemployment and workers' compensation, | | | | | veterans' benefits.........................| 294 | 368 | 189 | 240 | 426 Public assistance, supplemental security | | | | | income, food stamps........................| 396 | 388 | 196 | 433 | 531 Regular contributions for support...........| 264 | 336 | 216 | 298 | 196 Other income................................| 172 | 134 | 195 | 142 | 234 | | | | | Personal taxes................................| 4,771 | 4,294 | 5,019 | 3,935 | 6,319 Federal income taxes........................| 3,674 | 3,204 | 3,621 | 3,183 | 4,924 State and local income taxes................| 942 | 918 | 1,181 | 645 | 1,232 Other taxes.................................| 155 | 172 | 217 | 107 | 163 | | | | | Income after taxes............................| 48,711 | 54,776 | 49,354 | 43,362 | 52,247 | | | | | Addenda: | | | | | | | | | | Net change in total assets and liabilities....| 32 | 4,519 | 412 | -1,006 | -2,667 Net change in total assets..................| 5,557 | 10,468 | 3,584 | 5,091 | 4,034 Net change in total liabilities.............| 5,525 | 5,949 | 3,171 | 6,097 | 6,701 | | | | | Other financial information: | | | | | | | | | | Other money receipts........................| 468 | 262 | 691 | 473 | 405 Mortgage principal paid on owned property...| -1,787 | -2,068 | -1,913 | -1,364 | -2,124 Estimated market value of owned home........| 98,506 | 116,177 | 92,801 | 74,077 | 130,793 Estimated monthly rental value of owned home| 663 | 762 | 645 | 550 | 788 | | | | | Gifts of goods and services...................| 1,814 | 2,159 | 1,976 | 1,470 | 1,920 Food........................................| 128 | 190 | 114 | 105 | 127 Housing.....................................| 448 | 478 | 447 | 373 | 553 Housekeeping supplies.....................| 45 | 53 | 52 | 38 | 42 Household textiles........................| 12 | 15 | 12 | 9 | 17 Appliances and miscellaneous housewares...| 46 | 52 | 58 | 36 | 43 Major appliances........................| 13 | 21 | 15 | 9 | 10 Small appliances and miscellaneous | | | | | housewares.............................| 33 | 31 | 43 | 26 | 33 Miscellaneous household equipment.........| 129 | 117 | 104 | 109 | 199 Other housing.............................| 217 | 242 | 220 | 181 | 252 Apparel and services........................| 408 | 392 | 509 | 374 | 374 Males, 2 and over.........................| 112 | 126 | 158 | 81 | 103 Females, 2 and over.......................| 110 | 131 | 161 | 70 | 106 Children under 2..........................| 51 | 48 | 77 | 38 | 47 Other apparel products and services.......| 135 | 87 | 113 | 185 | 118 Jewelry and watches.....................| 93 | 4/40 | 4/50 | 4/153 | 4/85 All other apparel products and services.| 42 | 47 | 62 | 32 | 33 Transportation..............................| 84 | 44 | 82 | 93 | 108 Health care.................................| 49 | 77 | 38 | 32 | 63 Entertainment...............................| 139 | 146 | 149 | 119 | 159 Toys, games, hobbies, and tricycles.......| 43 | 35 | 42 | 40 | 56 Other entertainment.......................| 96 | 111 | 107 | 79 | 102 Education...................................| 397 | 624 | 468 | 267 | 337 All other gifts.............................| 160 | 208 | 169 | 107 | 199 | | | | | ________________________________________________________________________________________________________________________________ 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/ Data are likely to have large sampling errors.