Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Item Total Northeast Midwest South West 35-44 Number of consumer units (in thousands)...... 24,323 4,715 5,698 8,279 5,630 Income before taxes a/ ...................... $52,216 $57,356 $52,045 $47,356 $55,035 Income after taxes a/ ....................... 48,167 53,748 48,253 43,998 49,482 Age of the reference person.................. 39.5 39.5 39.5 39.5 39.6 Average number in consumer unit: Persons..................................... 3.2 3.2 3.3 3.2 3.3 Children under 18........................... 1.3 1.3 1.4 1.3 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.7 1.7 1.8 1.7 1.7 Vehicles.................................... 2.2 1.9 2.4 2.2 2.1 Percent distribution: Male........................................ 59 59 63 55 59 Female...................................... 41 41 37 45 41 Homeowner................................... 68 66 73 70 60 With mortgage.............................. 56 56 60 54 53 Without mortgage........................... 12 10 14 16 7 Renter...................................... 32 34 27 30 40 Black....................................... 13 14 11 20 6 White and other............................. 87 86 89 80 94 Elementary (1-8)............................ 3 3 2 3 5 High school (9-12).......................... 38 39 41 41 30 College..................................... 59 58 58 56 64 Never attended and other.................... c/ d/ c/ c/ c/ At least one vehicle owned or leased........ 91 85 93 92 93 Average annual expenditures.................. $42,466 $44,243 $42,454 $38,323 $47,153 Food........................................ 5,931 6,278 6,048 5,457 6,247 Food at home............................. 3,425 3,584 3,431 3,203 3,629 Cereals and bakery products............ 541 591 553 496 556 Cereals and cereal products.......... 199 221 200 182 206 Bakery products...................... 342 370 353 315 350 Meats, poultry, fish, and eggs......... 881 929 843 889 864 Beef................................. 265 273 284 261 244 Pork................................. 178 164 186 195 156 Other meats.......................... 115 131 122 113 95 Poultry.............................. 167 189 139 159 189 Fish and seafood..................... 119 135 81 125 134 Eggs................................. 37 37 31 36 45 Dairy products......................... 392 437 393 348 420 Fresh milk and cream................. 156 164 163 144 162 Other dairy products................. 235 273 230 204 258 Fruits and vegetables.................. 546 628 516 478 613 Fresh fruits......................... 165 197 161 130 198 Fresh vegetables..................... 160 181 141 144 185 Processed fruits..................... 123 146 119 107 131 Processed vegetables................. 98 104 95 97 99 Other food at home..................... 1,066 1,000 1,126 991 1,177 Sugar and other sweets............... 133 133 141 118 151 Fats and oils........................ 92 86 91 94 96 Miscellaneous foods.................. 496 448 542 463 543 Nonalcoholic beverages............... 294 285 300 278 320 Food prepared by consumer unit on out-of-town trips................... 51 49 52 39 68 Food away from home.................... 2,505 2,694 2,617 2,254 2,618 Alcoholic beverages......................... 356 391 388 280 412 Housing..................................... 14,161 16,059 13,608 11,832 16,572 Shelter.................................. 8,504 10,177 7,811 6,574 10,642 Owned dwellings........................ 6,033 7,325 5,953 4,600 7,142 Mortgage interest and charges........ 3,999 4,491 3,765 3,120 5,115 Property taxes....................... 1,229 1,961 1,380 817 1,069 Maintenance, repairs, insurance,other expenses............................ 806 872 808 663 958 Rented dwellings....................... 2,077 2,437 1,479 1,617 3,056 Other lodging.......................... 393 415 379 357 443 Utilities, fuels, and public services.... 2,637 2,615 2,738 2,724 2,426 Natural gas............................ 296 357 439 167 288 Electricity............................ 994 914 937 1,223 781 Fuel oil and other fuels............... 78 204 78 41 29 Telephone services..................... 949 921 956 956 954 Water and other public services........ 320 219 328 337 373 Household operations..................... 778 774 779 661 955 Personal services...................... 471 471 525 378 554 Other household expenses............... 308 304 254 283 401 Housekeeping supplies.................... 576 600 643 500 608 Laundry and cleaning supplies.......... 144 118 168 138 151 Other household products............... 285 309 304 257 288 Postage and stationery................. 148 174 170 105 169 Household furnishings and equipment...... 1,665 1,893 1,638 1,374 1,941 Household textiles..................... 110 123 108 84 143 Furniture.............................. 434 496 389 364 531 Floor coverings........................ 54 48 55 55 56 Major appliances....................... 194 254 188 173 180 Small appliances, miscellaneous housewares............................ 90 95 85 73 118 Miscellaneous household equipment...... 783 877 814 625 914 Apparel and services........................ 2,122 2,197 2,071 2,016 2,272 Men and boys............................. 535 524 556 528 535 Men, 16 and over....................... 359 338 365 352 381 Boys, 2 to 15.......................... 176 186 191 176 154 Women and girls.......................... 809 789 821 750 905 Women, 16 and over..................... 607 574 582 574 714 Girls, 2 to 15......................... 202 215 239 176 191 Children under 2......................... 86 92 82 82 91 Footwear................................. 385 419 357 366 416 Other apparel products and services...... 306 373 256 291 325 Transportation.............................. 7,957 7,373 7,969 7,972 8,412 Vehicle purchases (net outlay)........... 3,755 3,149 3,744 4,079 3,799 Cars and trucks, new................... 1,750 1,794 1,374 2,061 1,634 Cars and trucks, used.................. 1,974 1,340 2,365 1,958 2,135 Other vehicles......................... 31 e/ 15 e/ 4 60 e/ 30 Gasoline and motor oil................... 1,231 1,094 1,273 1,256 1,267 Other vehicle expenses................... 2,569 2,530 2,614 2,363 2,857 Vehicle finance charges................ 394 281 429 454 363 Maintenance and repairs................ 747 645 726 727 880 Vehicle insurance...................... 811 857 786 767 861 Vehicle rental, leases, licenses, other charges.............................. 618 747 672 414 753 Public transportation.................... 402 601 339 274 488 Health care................................. 1,660 1,469 1,719 1,707 1,693 Health insurance......................... 768 690 796 802 756 Medical services......................... 544 477 538 568 570 Drugs.................................... 247 206 271 247 260 Medical supplies......................... 101 96 114 90 107 Entertainment............................... 2,266 2,251 2,524 1,859 2,623 Fees and admissions...................... 526 626 532 418 597 Television, radios, sound equipment...... 705 755 713 648 739 Pets, toys, and playground equipment..... 438 445 514 389 432 Other entertainment supplies, equipment,and services.................. 596 425 765 404 856 Personal care products and services......... 453 466 405 436 517 Reading..................................... 159 195 171 121 174 Education................................... 617 693 617 552 650 Tobacco products and smoking supplies....... 357 365 460 367 232 Miscellaneous............................... 959 980 997 833 1,094 Cash contributions.......................... 1,032 954 999 1,029 1,135 Personal insurance and pensions............. 4,435 4,573 4,477 3,862 5,121 Life and other personal insurance........ 424 421 424 443 397 Pensions and Social Security............. 4,012 4,152 4,053 3,418 4,725 Sources of income and personal taxes: a/ Money income before taxes.................. 52,216 57,356 52,045 47,356 55,035 Wages and salaries....................... 47,066 53,226 46,307 43,098 48,462 Self-employment income................... 2,991 2,180 3,437 2,062 4,437 Social Security, private and government retirement................... 619 546 623 775 460 Interest, dividends, rental income, other property income................... 354 348 285 387 381 Unemployment and workers'' compensation, veterans'' benefits..................... 204 281 222 131 228 Public assistance, supplemental security, income, food stamps..................... 353 260 372 309 465 Regular contributions for support........ 385 358 318 483 334 Other income............................. 245 157 481 111 270 Personal taxes............................. 4,049 3,608 3,792 3,358 5,554 Federal income taxes..................... 3,085 2,498 2,710 2,725 4,366 State and local income taxes............. 814 823 981 508 1,062 Other taxes.............................. 150 287 101 125 125 Income after taxes......................... 48,167 53,748 48,253 43,998 49,482 Net change in total assets and liabilities... -1,872 -3,757 -2,135 -1,539 -518 Net change in total assets............... 9,315 9,205 7,398 7,027 14,713 Net change in total liabilities.......... 11,187 12,962 9,533 8,566 15,231 Other financial information: Other money receipts..................... 266 199 195 255 409 Mortgage principal paid on owned property................................ -1,578 -1,892 -1,724 -1,204 -1,719 Estimated market value of owned home..... 90,892 102,884 88,321 70,112 114,009 Estimated monthly rental value of owned home.................................... 646 756 640 547 707 Gifts of goods and services................. 921 1,022 874 814 1,046 Food..................................... 53 63 57 30 75 Housing.................................. 264 294 235 225 330 Housekeeping supplies.................. 54 60 50 36 79 Household textiles..................... 9 5 13 10 8 Appliances and miscellaneous housewares........................... 25 40 21 14 34 Major appliances..................... 8 18 7 1 9 Small appliances and miscellaneous housewares......................... 18 23 14 13 24 Miscellaneous household equipment...... 63 88 66 45 65 Other housing.......................... 113 101 85 119 144 Apparel and services..................... 203 221 209 187 207 Males, 2 and over...................... 45 31 63 45 40 Females, 2 and over.................... 74 95 60 67 79 Children under 2....................... 40 50 42 36 34 Other apparel products and services.... 45 46 43 39 53 Jewelry and watches.................. 20 17 16 15 33 All other apparel products and services............................ 25 29 27 25 20 Transportation........................... 52 30 60 34 90 Health care.............................. 22 7 13 35 24 Entertainment............................ 80 107 93 63 68 Toys, games, hobbies, and tricycles.... 27 35 31 22 23 Other entertainment.................... 53 72 63 41 45 Education................................ 113 147 76 127 102 All other gifts.......................... 133 152 130 113 150 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 No data reported. e Data are likely to have large sampling errors. n.a. Not applicable.