Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Item Total Northeast Midwest South West 35-44 Number of consumer units (in thousands)...... 24,408 4,882 5,339 8,688 5,500 Income before taxes a/ ...................... $60,233 $64,247 $61,206 $56,975 $60,972 Income after taxes a/ ....................... 56,911 61,392 57,492 53,786 57,407 Age of the reference person.................. 39.6 39.5 39.7 39.6 39.6 Average number in consumer unit: Persons..................................... 3.2 3.2 3.3 3.2 3.4 Children under 18........................... 1.3 1.4 1.4 1.2 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.7 1.7 1.7 1.7 1.7 Vehicles.................................... 2.2 1.8 2.5 2.1 2.3 Percent distribution: Male........................................ 51 51 55 47 56 Female...................................... 49 49 45 53 44 Homeowner................................... 68 66 74 69 63 With mortgage.............................. 56 56 61 54 56 Without mortgage........................... 12 10 13 14 7 Renter...................................... 32 34 26 31 37 Black....................................... 14 12 11 22 6 White and other............................. 86 88 89 78 94 Elementary (1-8)............................ 3 3 2 3 5 High school (9-12).......................... 37 37 38 41 29 College..................................... 60 59 61 55 65 Never attended and other.................... c/ c/ d/ c/ c/ At least one vehicle owned or leased........ 92 85 94 92 94 Average annual expenditures.................. $47,618 $48,940 $48,073 $44,309 $51,204 Food........................................ 6,277 6,772 6,248 5,939 6,389 Food at home............................. 3,595 3,948 3,566 3,303 3,758 Cereals and bakery products............ 539 607 548 489 546 Cereals and cereal products.......... 189 214 190 169 198 Bakery products...................... 349 392 358 320 348 Meats, poultry, fish, and eggs......... 933 1,055 848 915 936 Beef................................. 272 273 271 268 281 Pork................................. 197 207 190 208 178 Other meats.......................... 124 150 114 116 124 Poultry.............................. 173 213 146 171 166 Fish and seafood..................... 129 171 97 118 137 Eggs................................. 39 41 31 34 51 Dairy products......................... 396 439 408 341 431 Fresh milk and cream................. 159 166 167 140 174 Other dairy products................. 237 273 241 201 256 Fruits and vegetables.................. 591 700 540 510 667 Fresh fruits......................... 184 216 170 150 222 Fresh vegetables..................... 180 210 157 153 218 Processed fruits..................... 132 170 120 113 140 Processed vegetables................. 94 104 93 94 86 Other food at home..................... 1,136 1,148 1,223 1,049 1,178 Sugar and other sweets............... 140 146 145 122 156 Fats and oils........................ 95 102 89 94 94 Miscellaneous foods.................. 552 542 605 525 552 Nonalcoholic beverages............... 305 313 339 271 318 Food prepared by consumer unit on out-of-town trips................... 45 45 45 38 58 Food away from home.................... 2,682 2,824 2,682 2,636 2,631 Alcoholic beverages......................... 390 449 415 316 427 Housing..................................... 16,109 18,039 15,599 14,086 18,085 Shelter.................................. 9,715 11,110 9,215 7,898 11,835 Owned dwellings........................ 6,945 7,922 7,119 5,628 7,989 Mortgage interest and charges........ 4,571 4,748 4,452 3,766 5,800 Property taxes....................... 1,433 2,262 1,596 988 1,241 Maintenance, repairs, insurance,other expenses............................ 941 912 1,072 873 948 Rented dwellings....................... 2,306 2,691 1,543 1,867 3,398 Other lodging.......................... 465 497 552 404 448 Utilities, fuels, and public services.... 3,068 3,124 3,094 3,189 2,804 Natural gas............................ 413 540 581 260 381 Electricity............................ 1,125 988 1,037 1,402 895 Fuel oil and other fuels............... 97 270 90 50 26 Telephone services..................... 1,065 1,059 1,025 1,099 1,056 Water and other public services........ 367 267 361 378 446 Household operations..................... 976 1,287 862 875 970 Personal services...................... 558 872 494 442 524 Other household expenses............... 418 415 369 433 446 Housekeeping supplies.................... 582 592 601 586 550 Laundry and cleaning supplies.......... 150 146 155 151 145 Other household products............... 303 328 303 307 276 Postage and stationery................. 129 118 143 128 130 Household furnishings and equipment...... 1,767 1,926 1,827 1,539 1,925 Household textiles..................... 132 168 105 119 146 Furniture.............................. 485 565 409 442 556 Floor coverings........................ 48 56 37 47 51 Major appliances....................... 222 234 206 224 225 Small appliances, miscellaneous housewares............................ 95 100 93 68 133 Miscellaneous household equipment...... 786 803 978 639 814 Apparel and services........................ 2,106 2,496 2,071 1,965 2,011 Men and boys............................. 542 626 594 481 512 Men, 16 and over....................... 363 418 391 321 354 Boys, 2 to 15.......................... 178 208 203 160 158 Women and girls.......................... 800 937 798 763 737 Women, 16 and over..................... 558 612 577 534 531 Girls, 2 to 15......................... 242 326 221 230 206 Children under 2......................... 98 127 89 92 90 Footwear................................. 379 459 348 347 388 Other apparel products and services...... 287 347 241 282 284 Transportation.............................. 9,301 8,483 9,022 9,300 10,298 Vehicle purchases (net outlay)........... 4,527 3,653 4,247 4,913 4,967 Cars and trucks, new................... 2,268 2,004 1,913 2,386 2,659 Cars and trucks, used.................. 2,187 1,625 2,213 2,444 2,255 Other vehicles......................... 72 e/ 23 121 82 e/ 53 Gasoline and motor oil................... 1,495 1,297 1,559 1,485 1,626 Other vehicle expenses................... 2,867 2,954 2,777 2,626 3,254 Vehicle finance charges................ 490 356 486 566 492 Maintenance and repairs................ 832 804 770 722 1,089 Vehicle insurance...................... 936 1,007 874 901 988 Vehicle rental, leases, licenses, other charges.............................. 609 787 646 438 685 Public transportation.................... 412 579 439 276 451 Health care................................. 1,930 1,742 1,990 1,978 1,959 Health insurance......................... 974 925 995 1,021 923 Medical services......................... 564 466 570 554 663 Drugs.................................... 303 272 313 327 285 Medical supplies......................... 88 80 112 77 88 Entertainment............................... 2,596 2,649 3,052 2,156 2,802 Fees and admissions...................... 725 790 894 563 757 Television, radios, sound equipment...... 802 813 827 764 828 Pets, toys, and playground equipment..... 451 480 528 381 461 Other entertainment supplies, equipment,and services.................. 619 566 802 448 756 Personal care products and services......... 569 574 560 561 587 Reading..................................... 136 161 159 102 143 Education................................... 703 684 875 577 754 Tobacco products and smoking supplies....... 377 362 461 400 275 Miscellaneous............................... 791 679 845 680 1,012 Cash contributions.......................... 1,255 947 1,408 1,387 1,174 Personal insurance and pensions............. 5,077 4,903 5,368 4,861 5,288 Life and other personal insurance........ 416 401 496 434 322 Pensions and Social Security............. 4,661 4,502 4,872 4,427 4,966 Sources of income and personal taxes: a/ Money income before taxes.................. 60,233 64,247 61,206 56,975 60,972 Wages and salaries....................... 54,627 60,122 55,749 51,385 53,897 Self-employment income................... 2,982 1,698 2,948 2,982 4,144 Social Security, private and government retirement................... 868 725 693 1,056 862 Interest, dividends, rental income, other property income................... 574 494 709 414 770 Unemployment and workers'' compensation, veterans'' benefits..................... 261 239 275 183 390 Public assistance, supplemental security, income, food stamps..................... 399 461 337 368 455 Regular contributions for support........ 381 399 346 439 306 Other income............................. 141 109 150 149 149 Personal taxes............................. 3,322 2,855 3,714 3,189 3,565 Federal income taxes..................... 2,514 2,024 2,624 2,686 2,564 State and local income taxes............. 674 696 916 416 832 Other taxes.............................. 134 135 175 87 169 Income after taxes......................... 56,911 61,392 57,492 53,786 57,407 Net change in total assets and liabilities... -7,165 -9,677 -7,139 -682 -15,202 Net change in total assets............... 7,564 9,272 6,673 6,448 8,676 Net change in total liabilities.......... 14,729 18,949 13,811 7,131 23,878 Other financial information: Other money receipts..................... 382 629 317 321 321 Mortgage principal paid on owned property................................ -1,836 -1,897 -2,217 -1,490 -1,957 Estimated market value of owned home..... 114,195 123,488 116,806 89,312 142,720 Estimated monthly rental value of owned home.................................... 786 892 805 663 868 Gifts of goods and services................. 883 1,021 1,008 745 854 Food..................................... 56 47 94 42 51 Alcoholic beverages...................... 18 23 25 8 23 Housing.................................. 226 241 263 211 201 Housekeeping supplies.................. 41 41 47 37 42 Household textiles..................... 9 e/ 12 8 7 10 Appliances and miscellaneous housewares........................... 19 30 11 14 24 Major appliances..................... 5 8 4 e/ 4 5 Small appliances and miscellaneous housewares......................... 14 23 7 10 19 Miscellaneous household equipment...... 60 67 80 51 50 Other housing.......................... 97 91 117 102 75 Apparel and services..................... 221 302 205 187 217 Males, 2 and over...................... 55 74 60 37 60 Females, 2 and over.................... 71 110 58 53 78 Children under 2....................... 45 71 41 39 37 Other apparel products and services.... 50 47 47 58 42 Jewelry and watches.................. 22 18 26 22 20 All other apparel products and services............................ 28 29 21 37 22 Transportation........................... 60 93 33 51 70 Health care.............................. 23 13 14 25 37 Entertainment............................ 77 75 93 71 74 Toys, games, hobbies, and tricycles.... 29 42 35 21 24 Other entertainment.................... 49 33 58 50 50 Personal care products and services...... 22 29 22 21 15 Reading.................................. 1 1 2 c/ 1 Education................................ 114 93 184 90 101 All other gifts.......................... 65 103 74 38 63 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.