Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Item Total Northeast Midwest South West 65-74 _______________________________________________ Number of consumer units (in thousands)...... 11,992 2,589 3,108 4,123 2,172 Income before taxes a/ ...................... $27,270 $30,396 $25,338 $24,401 $31,465 Income after taxes a/ ....................... 25,721 29,085 23,870 23,311 28,746 Age of the reference person.................. 69.3 69.5 69.3 69.3 69.2 Average number in consumer unit: Persons..................................... 1.9 1.9 1.8 1.9 2.0 Children under 18........................... .1 .1 b/ .1 .1 Persons 65 and over......................... 1.4 1.4 1.3 1.3 1.4 Earners..................................... .6 .6 .6 .6 .6 Vehicles.................................... 1.8 1.5 2.0 1.8 2.0 Percent distribution: Male........................................ 57 57 60 56 57 Female...................................... 43 43 40 44 43 Homeowner................................... 82 77 85 84 83 With mortgage.............................. 20 14 16 23 26 Without mortgage........................... 62 62 69 60 57 Renter...................................... 18 23 15 16 17 Black....................................... 10 9 7 16 5 White and other............................. 90 91 93 84 95 Elementary (1-8)............................ 15 11 13 20 13 High school (9-12).......................... 47 52 55 44 37 College..................................... 37 36 32 35 50 Never attended and other.................... 1 c/ c/ 1 1 At least one vehicle owned or leased........ 87 80 90 88 88 Average annual expenditures.................. $27,715 $29,477 $26,523 $26,053 $30,371 Food....................................... 3,970 4,370 4,058 3,447 4,275 Food at home............................. 2,521 2,733 2,497 2,268 2,730 Cereals and bakery products............ 391 439 401 348 397 Cereals and cereal products.......... 124 144 129 108 124 Bakery products...................... 267 295 272 240 273 Meats, poultry, fish, and eggs......... 664 748 667 593 683 Beef................................. 194 203 209 171 201 Pork................................. 143 141 157 151 117 Other meats.......................... 86 111 99 65 79 Poultry.............................. 119 157 104 107 120 Fish and seafood..................... 89 102 72 70 128 Eggs................................. 32 33 27 31 38 Dairy products......................... 271 309 256 259 273 Fresh milk and cream................. 111 118 105 113 107 Other dairy products................. 161 191 151 146 167 Fruits and vegetables.................. 459 512 438 398 528 Fresh fruits......................... 149 175 144 119 174 Fresh vegetables..................... 142 156 136 125 163 Processed fruits..................... 94 107 90 74 114 Processed vegetables................. 75 74 68 79 77 Other food at home..................... 736 726 735 669 849 Sugar and other sweets............... 105 110 109 93 115 Fats and oils........................ 78 78 78 72 85 Miscellaneous foods.................. 299 287 290 268 369 Nonalcoholic beverages............... 199 193 201 193 213 Food prepared by consumer unit on out-of-town trips................... 54 58 57 43 66 Food away from home...................... 1,449 1,637 1,561 1,180 1,545 Alcoholic beverages......................... 249 383 182 151 359 Housing..................................... 8,990 10,448 8,018 8,158 10,245 Shelter.................................. 4,478 5,844 3,992 3,525 5,351 Owned dwellings........................ 3,148 3,999 2,834 2,492 3,830 Mortgage interest and charges........ 838 747 591 830 1,317 Property taxes....................... 1,198 2,052 1,260 720 1,001 Maintenance, repairs, insurance,other expenses............................ 1,111 1,200 983 942 1,512 Rented dwellings....................... 881 1,214 734 704 1,031 Other lodging.......................... 448 631 424 330 490 Utilities, fuels, and public services.... 2,346 2,508 2,264 2,378 2,208 Natural gas............................ 316 434 409 190 281 Electricity............................ 943 865 864 1,130 795 Fuel oil and other fuels............... 125 298 111 65 51 Telephone services..................... 653 668 609 669 665 Water and other public services........ 310 241 272 324 416 Household operations..................... 388 289 238 453 601 Personal services...................... 60 d/ 47 d/ 23 d/ 38 170 Other household expenses............... 328 242 215 415 431 Housekeeping supplies.................... 436 463 441 389 475 Laundry and cleaning supplies.......... 105 122 98 91 122 Other household products............... 195 200 191 172 232 Postage and stationery................. 135 141 152 126 122 Household furnishings and equipment...... 1,343 1,344 1,084 1,413 1,610 Household textiles..................... 110 103 106 122 111 Furniture.............................. 271 195 228 250 461 Floor coverings........................ 165 245 85 261 d/ 38 Major appliances....................... 149 129 129 159 181 Small appliances, miscellaneous housewares............................ 77 71 52 105 71 Miscellaneous household equipment...... 571 599 483 516 749 Apparel and services....................... 1,161 1,067 1,218 1,175 1,153 Men and boys............................. 254 251 292 202 286 Men, 16 and over....................... 221 213 262 170 253 Boys, 2 to 15.......................... 33 38 30 32 33 Women and girls.......................... 491 407 584 480 469 Women, 16 and over..................... 457 380 549 439 440 Girls, 2 to 15......................... 34 27 35 41 29 Children under 2......................... 23 d/ 16 d/ 7 34 d/ 35 Footwear................................. 202 202 178 245 169 Other apparel products and services...... 190 191 157 214 193 Transportation............................. 4,807 4,519 4,641 5,022 4,979 Vehicle purchases (net outlay)........... 1,928 1,552 1,894 2,436 1,462 Cars and trucks, new................... 936 755 1,094 1,037 d/ 735 Cars and trucks, used.................. 923 676 788 1,282 727 Other vehicles......................... d/ 69 d/ 121 d/ 11 d/ 117 e/ Gasoline and motor oil................... 798 681 831 832 829 Other vehicle expenses................... 1,636 1,775 1,474 1,506 1,950 Vehicle finance charges................ 152 125 152 167 159 Maintenance and repairs................ 551 524 486 544 690 Vehicle insurance...................... 649 747 588 581 751 Vehicle rental, leases, licenses, other charges......................... 284 380 249 214 351 Public transportation.................... 444 511 441 248 738 Health care................................ 2,917 2,863 2,892 2,973 2,911 Health insurance......................... 1,548 1,625 1,594 1,531 1,423 Medical services......................... 614 559 502 588 891 Drugs.................................... 629 537 662 743 478 Medical supplies......................... 125 142 134 111 119 Entertainment.............................. 1,281 1,275 1,311 1,137 1,518 Fees and admissions...................... 373 452 299 288 550 Television, radios, sound equipment...... 395 430 373 340 484 Pets, toys, and playground equipment..... 242 272 188 261 254 Other entertainment supplies, equipment,and services.................. 271 121 452 249 230 Personal care products and services........ 348 324 349 344 376 Reading.................................... 188 220 195 147 217 Education.................................. 189 303 133 217 78 Tobacco products and smoking supplies...... 209 221 181 223 208 Miscellaneous.............................. 781 843 766 647 971 Cash contributions......................... 1,339 1,229 1,326 1,257 1,645 Personal insurance and pensions............ 1,286 1,412 1,251 1,154 1,436 Life and other personal insurance........ 393 328 403 464 322 Pensions and Social Security............. 893 1,084 848 690 1,114 Sources of income and personal taxes: a/ Money income before taxes................. 27,270 30,396 25,338 24,401 31,465 Wages and salaries....................... 8,031 10,182 7,674 6,125 9,570 Self-employment income................... 787 1,221 878 602 540 Social Security, private and government retirement................... 15,962 16,782 14,939 15,595 17,024 Interest, dividends, rental income, other property income................... 1,915 1,688 1,474 1,623 3,232 Unemployment and workers'' compensation, veterans'' benefits..................... 90 d/ 114 72 61 137 Public assistance, supplemental security, income, food stamps..................... 252 291 190 189 401 Regular contributions for support........ 66 d/ 87 d/ 40 69 d/ 72 Other income............................. 168 d/ 31 71 138 489 Personal taxes............................. 1,549 1,311 1,468 1,090 2,719 Federal income taxes..................... 1,101 814 988 798 2,087 State and local income taxes............. 223 191 261 97 433 Other taxes.............................. 225 307 219 195 199 Income after taxes.......................... 25,721 29,085 23,870 23,311 28,746 Net change in total assets and liabilities.. 1,479 7,882 -1,670 1,240 -1,196 Net change in total assets............... 3,614 7,598 882 3,974 2,092 Net change in total liabilities.......... 2,135 -284 2,552 2,734 3,287 Other financial information: Other money receipts..................... 676 532 882 183 1,487 Mortgage principal paid on owned property................................ -560 -576 -488 -556 -654 Estimated market value of owned home..... 96,317 113,272 82,705 73,481 138,928 Estimated monthly rental value of owned home.............................. 650 743 588 556 805 Gifts of goods and services................. 1,036 1,156 954 1,060 983 Food..................................... 42 43 30 39 60 Housing.................................. 244 266 235 270 188 Housekeeping supplies.................. 35 33 49 22 39 Household textiles..................... 19 14 26 22 13 Appliances and miscellaneous housewares............................ 31 28 28 38 30 Major appliances..................... 9 d/ 6 16 d/ 3 d/ 15 Small appliances and miscellaneous housewares.......................... 22 22 12 35 16 Miscellaneous household equipment...... 59 62 65 69 33 Other housing.......................... 99 129 67 118 73 Apparel and services..................... 243 208 242 292 198 Males, 2 and over...................... 71 73 83 69 57 Females, 2 and over.................... 92 74 104 107 71 Children under 2....................... 22 d/ 16 d/ 7 33 33 Other apparel products and services.... 58 45 48 83 38 Jewelry and watches.................. 32 23 13 57 22 All other apparel products and services............................ 26 d/ 22 35 d/ 27 d/ 16 Transportation........................... 101 89 99 94 128 Health care.............................. 24 d/ 9 32 28 d/ 24 Entertainment............................ 111 167 103 94 95 Toys, games, hobbies, and tricycles.... 41 54 43 38 26 Other entertainment.................... 71 113 59 57 68 Education................................ 118 d/ 234 d/ 61 136 d/ 25 All other gifts.......................... 153 141 152 106 265 _____________________________________________ a/ Components of income and taxes are derived from complete income reporters only see glossary. b/ Value less than 0.05. c/ Value less than 0.5. d/ Data are likely to have large sampling errors. e/ No data reported.