Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2000-2001 Item Total Northeast Midwest South West 45-54 Number of consumer units (in thousands)...... 22,096 4,320 5,199 7,423 5,154 Income before taxes a/ ...................... $60,050 $63,980 $61,475 $55,621 $61,471 Income after taxes a/ ....................... 55,387 60,492 54,767 52,364 55,939 Age of the reference person.................. 49.4 49.4 49.4 49.4 49.3 Average number in consumer unit: Persons..................................... 2.7 2.7 2.6 2.6 2.7 Children under 18........................... .6 .6 .5 .6 .6 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.8 1.9 1.8 1.7 1.8 Vehicles.................................... 2.4 2.1 2.7 2.3 2.4 Percent distribution: Male........................................ 56 54 59 54 55 Female...................................... 44 46 41 46 45 Homeowner................................... 76 73 82 77 71 With mortgage.............................. 54 51 57 54 56 Without mortgage........................... 22 22 25 23 16 Renter...................................... 24 27 18 23 29 Black....................................... 12 10 9 21 5 White and other............................. 88 90 91 79 95 Elementary (1-8)............................ 4 3 2 5 6 High school (9-12).......................... 34 38 36 37 25 College..................................... 61 59 63 58 67 Never attended and other.................... c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 86 94 93 93 Average annual expenditures.................. $47,085 $49,765 $47,748 $42,554 $50,824 Food........................................ 6,375 6,896 6,240 5,981 6,710 Food at home............................. 3,658 4,098 3,450 3,410 3,915 Cereals and bakery products............ 541 609 529 490 578 Cereals and cereal products.......... 178 194 185 162 181 Bakery products...................... 363 415 344 328 398 Meats, poultry, fish, and eggs......... 985 1,152 831 983 1,013 Beef................................. 302 337 250 315 310 Pork................................. 205 196 176 224 213 Other meats.......................... 123 156 121 111 115 Poultry.............................. 176 226 151 164 177 Fish and seafood..................... 139 195 101 130 148 Eggs................................. 40 41 33 39 49 Dairy products......................... 383 441 389 330 413 Fresh milk and cream................. 151 157 154 131 177 Other dairy products................. 232 284 235 200 236 Fruits and vegetables.................. 616 714 556 554 703 Fresh fruits......................... 187 226 174 155 220 Fresh vegetables..................... 197 218 168 182 235 Processed fruits..................... 130 157 122 115 143 Processed vegetables................. 102 113 92 101 105 Other food at home..................... 1,133 1,182 1,145 1,053 1,208 Sugar and other sweets............... 138 150 140 133 134 Fats and oils........................ 104 119 92 103 106 Miscellaneous foods.................. 533 527 557 498 571 Nonalcoholic beverages............... 309 331 310 285 332 Food prepared by consumer unit on out-of-town trips................... 49 54 47 35 65 Food away from home.................... 2,717 2,798 2,790 2,571 2,795 Alcoholic beverages......................... 406 420 401 381 441 Housing..................................... 14,608 15,985 13,943 12,711 16,876 Shelter.................................. 8,563 9,773 7,823 6,907 10,683 Owned dwellings........................ 6,234 6,848 5,968 5,114 7,598 Mortgage interest and charges........ 3,748 3,492 3,360 3,199 5,146 Property taxes....................... 1,500 2,322 1,589 1,026 1,403 Maintenance, repairs, insurance,other expenses............................ 985 1,034 1,019 889 1,049 Rented dwellings....................... 1,623 2,042 1,041 1,262 2,379 Other lodging.......................... 706 882 814 530 705 Utilities, fuels, and public services.... 3,027 3,155 3,113 3,111 2,711 Natural gas............................ 406 476 588 269 359 Electricity............................ 1,098 1,019 1,018 1,360 865 Fuel oil and other fuels............... 122 351 87 63 50 Telephone services..................... 1,040 1,043 1,063 1,053 995 Water and other public services........ 362 266 356 366 441 Household operations..................... 576 584 447 547 742 Personal services...................... 144 137 105 109 240 Other household expenses............... 432 447 342 438 502 Housekeeping supplies.................... 586 571 604 546 647 Laundry and cleaning supplies.......... 145 142 149 149 137 Other household products............... 293 275 283 268 365 Postage and stationery................. 148 155 173 129 145 Household furnishings and equipment...... 1,856 1,902 1,956 1,600 2,094 Household textiles..................... 139 199 153 87 156 Furniture.............................. 461 461 444 401 565 Floor coverings........................ 55 78 55 41 57 Major appliances....................... 217 162 230 209 260 Small appliances, miscellaneous housewares............................ 119 112 121 111 133 Miscellaneous household equipment...... 865 891 953 752 923 Apparel and services........................ 2,353 2,790 2,398 2,107 2,315 Men and boys............................. 587 713 655 504 538 Men, 16 and over....................... 492 604 552 421 448 Boys, 2 to 15.......................... 95 109 103 84 90 Women and girls.......................... 953 1,142 995 886 850 Women, 16 and over..................... 836 976 864 782 770 Girls, 2 to 15......................... 117 166 131 104 80 Children under 2......................... 60 61 81 54 48 Footwear................................. 416 468 396 376 460 Other apparel products and services...... 337 406 270 288 420 Transportation.............................. 9,094 8,693 9,273 8,800 9,676 Vehicle purchases (net outlay)........... 4,093 3,655 4,046 4,335 4,159 Cars and trucks, new................... 1,853 1,809 1,581 2,010 1,938 Cars and trucks, used.................. 2,189 1,815 2,418 2,262 2,166 Other vehicles......................... 51 d/ 30 d/ 47 d/ 63 55 Gasoline and motor oil................... 1,589 1,385 1,683 1,528 1,752 Other vehicle expenses................... 2,934 2,939 3,065 2,626 3,243 Vehicle finance charges................ 415 339 413 455 425 Maintenance and repairs................ 820 743 821 741 997 Vehicle insurance...................... 1,017 1,068 1,000 994 1,026 Vehicle rental, leases, licenses, other charges.............................. 682 788 831 437 795 Public transportation.................... 478 715 479 310 522 Health care................................. 2,233 2,038 2,217 2,359 2,228 Health insurance......................... 1,007 920 1,035 1,106 910 Medical services......................... 688 675 628 641 825 Drugs.................................... 419 324 404 521 365 Medical supplies......................... 119 120 150 90 127 Entertainment............................... 2,232 2,598 2,259 1,839 2,473 Fees and admissions...................... 636 765 675 489 703 Television, radios, sound equipment...... 739 771 786 666 769 Pets, toys, and playground equipment..... 394 397 407 345 453 Other entertainment supplies, equipment,and services.................. 463 665 392 339 548 Personal care products and services......... 633 654 621 618 650 Reading..................................... 175 217 207 125 180 Education................................... 1,091 1,555 1,271 827 901 Tobacco products and smoking supplies....... 375 353 460 377 304 Miscellaneous............................... 913 833 964 765 1,148 Cash contributions.......................... 1,585 1,611 1,951 1,305 1,598 Personal insurance and pensions............. 5,012 5,124 5,541 4,359 5,323 Life and other personal insurance........ 547 615 619 513 467 Pensions and Social Security............. 4,464 4,509 4,922 3,847 4,856 Sources of income and personal taxes: a/ Money income before taxes.................. 60,050 63,980 61,475 55,621 61,471 Wages and salaries....................... 52,473 58,225 54,810 47,538 52,180 Self-employment income................... 3,574 2,734 2,796 3,603 5,002 Social Security, private and government retirement................... 1,859 1,179 1,755 2,435 1,730 Interest, dividends, rental income, other property income................... 1,043 567 1,203 1,109 1,184 Unemployment and workers'' compensation, veterans'' benefits..................... 223 194 212 225 256 Public assistance, supplemental security, income, food stamps..................... 372 466 244 300 521 Regular contributions for support........ 350 333 321 326 425 Other income............................. 156 282 134 84 172 Personal taxes............................. 4,663 3,488 6,708 3,257 5,531 Federal income taxes..................... 3,618 2,581 4,956 2,660 4,461 State and local income taxes............. 868 772 1,547 431 872 Other taxes.............................. 177 134 206 167 199 Income after taxes......................... 55,387 60,492 54,767 52,364 55,939 Net change in total assets and liabilities... 1,959 10,273 1,479 -301 -1,271 Net change in total assets............... 8,661 11,979 8,541 6,073 9,730 Net change in total liabilities.......... 6,702 1,706 7,062 6,374 11,001 Other financial information: Other money receipts..................... 446 546 317 521 382 Mortgage principal paid on owned property................................ -1,983 -2,237 -2,057 -1,517 -2,368 Estimated market value of owned home..... 120,215 125,914 114,670 95,660 156,400 Estimated monthly rental value of owned home.................................... 809 899 770 689 948 Gifts of goods and services................. 1,670 1,871 2,001 1,416 1,543 Food..................................... 147 153 194 129 118 Alcoholic beverages...................... 17 20 22 12 16 Housing.................................. 399 410 507 315 401 Housekeeping supplies.................. 45 56 55 37 41 Household textiles..................... 19 24 25 10 24 Appliances and miscellaneous housewares........................... 38 37 37 41 34 Major appliances..................... 13 11 15 15 8 Small appliances and miscellaneous housewares......................... 25 26 22 26 27 Miscellaneous household equipment...... 88 71 116 69 104 Other housing.......................... 208 222 275 159 198 Apparel and services..................... 312 362 344 274 299 Males, 2 and over...................... 88 122 97 72 76 Females, 2 and over.................... 130 146 138 120 124 Children under 2....................... 49 52 65 45 35 Other apparel products and services.... 46 42 45 37 65 Jewelry and watches.................. 15 18 18 12 12 All other apparel products and services............................ 31 23 27 24 52 Transportation........................... 95 39 94 98 140 Health care.............................. 38 30 29 53 30 Entertainment............................ 104 109 115 95 101 Toys, games, hobbies, and tricycles.... 33 39 44 25 29 Other entertainment.................... 71 70 72 70 72 Personal care products and services...... 24 23 28 19 27 Reading.................................. 2 2 3 1 2 Education................................ 439 593 542 379 292 All other gifts.......................... 95 130 123 41 117 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. n.a. Not applicable.