Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Item Total Northeast Midwest South West 55-64 _______________________________________________ Number of consumer units (in thousands)...... 12,573 2,436 3,010 4,561 2,565 Income before taxes a/ ...................... $43,006 $48,690 $42,399 $40,454 $43,146 Income after taxes a/ ....................... 39,555 45,079 38,230 37,599 39,589 Age of the reference person.................. 59.3 59.2 59.5 59.2 59.4 Average number in consumer unit: Persons..................................... 2.2 2.4 2.1 2.2 2.3 Children under 18........................... .2 .2 .1 .2 .2 Persons 65 and over......................... .1 .1 .1 .1 .1 Earners..................................... 1.4 1.5 1.3 1.3 1.4 Vehicles.................................... 2.3 1.9 2.5 2.1 2.6 Percent distribution: Male........................................ 61 62 65 59 61 Female...................................... 39 38 35 41 39 Homeowner................................... 79 71 85 80 76 With mortgage.............................. 39 32 39 39 46 Without mortgage........................... 39 39 45 41 29 Renter...................................... 21 29 15 20 24 Black....................................... 12 11 8 17 6 White and other............................. 88 89 92 83 94 Elementary (1-8)............................ 9 12 7 12 6 High school (9-12).......................... 44 48 48 45 34 College..................................... 46 40 45 43 59 Never attended and other.................... b/ c/ c/ b/ 1 At least one vehicle owned or leased........ 89 80 92 91 91 Average annual expenditures.................. $36,602 $39,118 $35,912 $33,302 $40,723 Food....................................... 4,962 5,939 4,675 4,267 5,510 Food at home............................. 2,983 3,373 2,778 2,672 3,366 Cereals and bakery products............ 440 504 428 388 477 Cereals and cereal products.......... 140 161 129 120 168 Bakery products...................... 300 343 299 268 309 Meats, poultry, fish, and eggs......... 799 988 724 715 838 Beef................................. 231 274 231 196 248 Pork................................. 178 186 172 179 176 Other meats.......................... 100 126 107 79 101 Poultry.............................. 142 202 113 126 143 Fish and seafood..................... 110 156 75 99 126 Eggs................................. 37 44 27 36 44 Dairy products......................... 312 361 289 273 353 Fresh milk and cream................. 118 124 110 110 138 Other dairy products................. 193 238 179 164 215 Fruits and vegetables.................. 530 617 465 472 620 Fresh fruits......................... 169 199 155 147 195 Fresh vegetables..................... 171 209 134 142 229 Processed fruits..................... 106 123 101 96 114 Processed vegetables................. 83 86 75 87 82 Other food at home..................... 902 902 872 823 1,078 Sugar and other sweets............... 121 127 119 107 143 Fats and oils........................ 89 102 75 88 95 Miscellaneous foods.................. 377 339 380 334 488 Nonalcoholic beverages............... 245 260 224 238 265 Food prepared by consumer unit on out-of-town trips................... 70 75 75 55 87 Food away from home...................... 1,979 2,566 1,896 1,596 2,144 Alcoholic beverages......................... 299 422 258 207 381 Housing..................................... 11,566 12,710 11,060 10,358 13,215 Shelter.................................. 6,055 7,092 5,662 4,919 7,551 Owned dwellings........................ 4,281 4,724 4,230 3,457 5,383 Mortgage interest and charges........ 2,092 1,933 1,814 1,732 3,208 Property taxes....................... 1,222 1,875 1,427 847 1,025 Maintenance, repairs, insurance,other expenses............................ 967 917 989 878 1,149 Rented dwellings....................... 1,180 1,606 783 1,036 1,498 Other lodging.......................... 594 762 649 425 670 Utilities, fuels, and public services.... 2,628 2,664 2,640 2,691 2,467 Natural gas............................ 331 391 500 210 291 Electricity............................ 1,012 931 929 1,217 821 Fuel oil and other fuels............... 120 271 114 76 60 Telephone services..................... 839 832 784 858 874 Water and other public services........ 327 238 312 330 421 Household operations..................... 414 348 304 438 562 Personal services...................... 59 d/ 40 54 72 d/ 61 Other household expenses............... 355 308 250 365 502 Housekeeping supplies.................... 641 551 567 788 567 Laundry and cleaning supplies.......... 129 148 117 116 144 Other household products............... 360 238 284 545 258 Postage and stationery................. 152 164 166 128 165 Household furnishings and equipment...... 1,829 2,056 1,887 1,523 2,068 Household textiles..................... 148 216 103 90 229 Furniture.............................. 408 398 430 380 441 Floor coverings........................ 117 86 211 76 111 Major appliances....................... 223 244 185 220 250 Small appliances, miscellaneous housewares............................ 112 142 108 98 107 Miscellaneous household equipment...... 822 970 850 660 929 Apparel and services....................... 1,605 1,919 1,425 1,566 1,561 Men and boys............................. 329 387 332 259 390 Men, 16 and over....................... 287 342 288 225 340 Boys, 2 to 15.......................... 42 44 45 34 50 Women and girls.......................... 633 714 608 636 569 Women, 16 and over..................... 582 672 554 573 535 Girls, 2 to 15......................... 50 43 54 63 33 Children under 2......................... 35 29 25 40 46 Footwear................................. 289 408 261 269 233 Other apparel products and services...... 319 382 200 362 324 Transportation............................. 6,916 6,879 6,550 6,524 8,071 Vehicle purchases (net outlay)........... 2,863 2,650 2,767 2,885 3,137 Cars and trucks, new................... 1,510 1,789 1,275 1,660 1,256 Cars and trucks, used.................. 1,345 857 1,492 1,225 1,849 Other vehicles......................... d/ 7 d/ 4 c/ b/ d/ 32 Gasoline and motor oil................... 1,132 1,043 1,136 1,130 1,214 Other vehicle expenses................... 2,370 2,503 2,231 2,044 2,982 Vehicle finance charges................ 272 263 290 255 290 Maintenance and repairs................ 727 665 714 699 852 Vehicle insurance...................... 830 958 746 748 953 Vehicle rental, leases, licenses, other charges......................... 541 617 482 343 886 Public transportation.................... 551 682 416 464 739 Health care................................ 2,172 1,906 2,166 2,277 2,249 Health insurance......................... 979 915 890 1,021 1,069 Medical services......................... 652 525 682 685 681 Drugs.................................... 418 344 453 450 390 Medical supplies......................... 123 121 141 121 108 Entertainment.............................. 1,863 1,772 2,353 1,584 1,869 Fees and admissions...................... 450 400 432 424 567 Television, radios, sound equipment...... 518 585 433 521 551 Pets, toys, and playground equipment..... 361 393 319 347 404 Other entertainment supplies, equipment,and services.................. 533 393 1,169 293 348 Personal care products and services........ 430 527 397 392 432 Reading.................................... 191 218 187 164 217 Education.................................. 336 492 288 233 426 Tobacco products and smoking supplies...... 313 330 380 303 237 Miscellaneous.............................. 1,114 900 1,339 891 1,442 Cash contributions......................... 1,230 1,195 1,292 1,206 1,233 Personal insurance and pensions............ 3,606 3,911 3,542 3,331 3,881 Life and other personal insurance........ 576 770 516 579 455 Pensions and Social Security............. 3,030 3,141 3,026 2,752 3,425 Sources of income and personal taxes: a/ Money income before taxes................. 43,006 48,690 42,399 40,454 43,146 Wages and salaries....................... 31,325 37,134 31,025 29,544 29,883 Self-employment income................... 2,778 4,643 1,851 1,965 3,490 Social Security, private and government retirement................... 6,736 4,730 8,020 7,301 6,172 Interest, dividends, rental income, other property income................... 1,171 809 960 807 2,216 Unemployment and workers'' compensation, veterans'' benefits..................... 348 400 172 314 532 Public assistance, supplemental security, income, food stamps..................... 391 678 237 292 469 Regular contributions for support........ 106 d/ 114 d/ 67 130 102 Other income............................. 150 183 66 102 281 Personal taxes............................. 3,451 3,611 4,168 2,855 3,557 Federal income taxes..................... 2,592 2,547 2,983 2,269 2,748 State and local income taxes............. 658 734 980 416 664 Other taxes.............................. 201 329 205 170 145 Income after taxes.......................... 39,555 45,079 38,230 37,599 39,589 Net change in total assets and liabilities.. -260 1,119 -1,981 1,659 -2,961 Net change in total assets............... 5,710 5,260 2,598 4,905 11,220 Net change in total liabilities.......... 5,969 4,141 4,578 3,246 14,181 Other financial information: Other money receipts..................... 541 166 748 437 838 Mortgage principal paid on owned property................................ -1,569 -1,339 -1,397 -1,819 -1,546 Estimated market value of owned home..... 103,714 107,488 97,286 82,355 145,658 Estimated monthly rental value of owned home.............................. 705 748 690 608 855 Gifts of goods and services................. 1,327 1,474 1,277 1,099 1,648 Food..................................... 106 102 114 57 189 Housing.................................. 360 431 340 297 428 Housekeeping supplies.................. 46 43 50 35 63 Household textiles..................... 31 d/ 48 31 21 30 Appliances and miscellaneous housewares............................ 51 85 50 43 29 Major appliances..................... 9 7 d/ 8 11 11 Small appliances and miscellaneous housewares.......................... 41 78 42 32 18 Miscellaneous household equipment...... 99 99 71 81 165 Other housing.......................... 133 154 138 116 140 Apparel and services..................... 301 306 258 307 337 Males, 2 and over...................... 81 73 83 66 116 Females, 2 and over.................... 104 112 89 105 113 Children under 2....................... 28 12 21 34 41 Other apparel products and services.... 87 108 65 102 66 Jewelry and watches.................. 43 41 21 70 21 All other apparel products and services............................ 45 67 44 32 45 Transportation........................... 63 92 59 50 65 Health care.............................. 42 30 35 28 84 Entertainment............................ 142 129 144 154 130 Toys, games, hobbies, and tricycles.... 56 65 66 48 50 Other entertainment.................... 85 64 78 106 80 Education................................ 146 d/ 177 167 67 231 All other gifts.......................... 167 209 161 140 185 _____________________________________________ 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.