Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2001-2002 Item Total Northeast Midwest South West 45-54 Number of consumer units (in thousands)...... 22,504 4,276 5,362 7,826 5,041 Income before taxes a/ ...................... $63,063 $69,356 $63,469 $58,080 $64,944 Income after taxes a/ ....................... 58,745 65,744 57,630 55,081 59,633 Age of the reference person.................. 49.3 49.5 49.3 49.3 49.2 Average number in consumer unit: Persons..................................... 2.7 2.7 2.6 2.6 2.8 Children under 18........................... .6 .6 .5 .6 .7 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.8 1.8 1.9 1.7 1.8 Vehicles.................................... 2.4 2.1 2.7 2.3 2.5 Percent distribution: Male........................................ 54 54 57 52 53 Female...................................... 46 46 43 48 47 Homeowner................................... 76 74 82 77 70 With mortgage.............................. 56 54 59 54 56 Without mortgage........................... 20 20 22 23 14 Renter...................................... 24 26 18 23 30 Black....................................... 12 9 10 21 4 White and other............................. 88 91 90 79 96 Elementary (1-8)............................ 4 3 2 4 6 High school (9-12).......................... 35 38 38 37 28 College..................................... 60 59 59 59 66 Never attended and other.................... c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 86 93 93 93 Average annual expenditures.................. $48,342 $50,599 $49,578 $43,501 $52,693 Food........................................ 6,338 6,798 6,264 6,072 6,449 Food at home............................. 3,593 3,981 3,425 3,416 3,724 Cereals and bakery products............ 511 570 511 479 514 Cereals and cereal products.......... 172 192 170 159 178 Bakery products...................... 339 378 340 319 337 Meats, poultry, fish, and eggs......... 964 1,116 843 973 935 Beef................................. 291 317 247 311 278 Pork................................. 199 195 188 214 190 Other meats.......................... 120 149 124 114 101 Poultry.............................. 175 222 152 167 169 Fish and seafood..................... 140 192 101 130 149 Eggs................................. 39 42 31 37 47 Dairy products......................... 378 420 384 340 399 Fresh milk and cream................. 146 148 153 133 159 Other dairy products................. 232 271 231 207 241 Fruits and vegetables.................. 617 687 551 581 687 Fresh fruits......................... 196 227 175 180 217 Fresh vegetables..................... 199 217 169 191 229 Processed fruits..................... 127 145 112 114 151 Processed vegetables................. 95 98 95 96 90 Other food at home..................... 1,123 1,187 1,137 1,044 1,189 Sugar and other sweets............... 132 143 129 129 131 Fats and oils........................ 103 119 98 96 103 Miscellaneous foods.................. 534 538 546 510 561 Nonalcoholic beverages............... 307 335 322 274 324 Food prepared by consumer unit on out-of-town trips................... 47 52 42 35 69 Food away from home.................... 2,746 2,817 2,839 2,656 2,724 Alcoholic beverages......................... 431 470 495 372 430 Housing..................................... 15,253 16,387 14,749 13,169 18,097 Shelter.................................. 9,025 10,157 8,239 7,250 11,658 Owned dwellings........................ 6,644 7,301 6,378 5,442 8,233 Mortgage interest and charges........ 3,999 3,775 3,620 3,371 5,566 Property taxes....................... 1,542 2,385 1,618 1,107 1,423 Maintenance, repairs, insurance,other expenses............................ 1,102 1,141 1,140 964 1,244 Rented dwellings....................... 1,683 2,043 1,074 1,271 2,664 Other lodging.......................... 699 813 787 537 760 Utilities, fuels, and public services.... 3,149 3,241 3,211 3,211 2,908 Natural gas............................ 424 501 625 276 375 Electricity............................ 1,143 1,046 1,063 1,389 929 Fuel oil and other fuels............... 112 312 80 57 63 Telephone services..................... 1,090 1,101 1,065 1,114 1,072 Water and other public services........ 379 282 379 376 468 Household operations..................... 591 665 479 522 758 Personal services...................... 153 228 111 100 217 Other household expenses............... 438 437 367 422 540 Housekeeping supplies.................... 636 596 703 591 680 Laundry and cleaning supplies.......... 150 133 165 156 138 Other household products............... 335 301 357 312 386 Postage and stationery................. 150 162 181 122 156 Household furnishings and equipment...... 1,852 1,727 2,117 1,595 2,094 Household textiles..................... 153 156 199 117 162 Furniture.............................. 452 391 479 409 542 Floor coverings........................ 59 68 58 51 66 Major appliances....................... 215 204 234 181 259 Small appliances, miscellaneous housewares............................ 118 89 125 120 131 Miscellaneous household equipment...... 855 819 1,024 717 935 Apparel and services........................ 2,181 2,518 2,229 2,000 2,126 Men and boys............................. 536 624 614 476 475 Men, 16 and over....................... 446 529 527 388 385 Boys, 2 to 15.......................... 90 96 87 89 90 Women and girls.......................... 890 1,069 934 819 799 Women, 16 and over..................... 776 937 803 719 698 Girls, 2 to 15......................... 113 132 131 100 101 Children under 2......................... 59 46 80 57 50 Footwear................................. 380 462 340 371 363 Other apparel products and services...... 317 317 261 277 438 Transportation.............................. 9,263 8,869 10,192 8,477 9,831 Vehicle purchases (net outlay)........... 4,260 3,789 4,963 3,991 4,331 Cars and trucks, new................... 1,990 2,086 1,947 1,998 1,940 Cars and trucks, used.................. 2,178 1,623 2,909 1,906 2,293 Other vehicles......................... 93 d/ 79 107 d/ 88 d/ 97 Gasoline and motor oil................... 1,540 1,375 1,631 1,497 1,649 Other vehicle expenses................... 3,027 3,045 3,171 2,714 3,346 Vehicle finance charges................ 460 361 448 518 465 Maintenance and repairs................ 843 754 834 745 1,081 Vehicle insurance...................... 1,079 1,139 1,059 1,033 1,120 Vehicle rental, leases, licenses, other charges.............................. 646 791 830 418 680 Public transportation.................... 436 661 427 275 505 Health care................................. 2,409 2,275 2,357 2,512 2,419 Health insurance......................... 1,110 1,087 1,090 1,178 1,046 Medical services......................... 722 686 670 700 844 Drugs.................................... 461 384 455 543 408 Medical supplies......................... 115 119 143 92 121 Entertainment............................... 2,401 2,754 2,456 2,016 2,648 Fees and admissions...................... 649 846 663 507 688 Television, radios, sound equipment...... 794 822 813 738 839 Pets, toys, and playground equipment..... 435 436 473 392 462 Other entertainment supplies, equipment,and services.................. 523 649 506 380 660 Personal care products and services......... 587 568 570 588 616 Reading..................................... 169 199 199 122 186 Education................................... 1,123 1,710 1,119 827 1,088 Tobacco products and smoking supplies....... 395 395 492 383 309 Miscellaneous............................... 944 876 1,018 852 1,073 Cash contributions.......................... 1,573 1,351 1,713 1,452 1,802 Personal insurance and pensions............. 5,274 5,428 5,726 4,658 5,618 Life and other personal insurance........ 552 621 615 506 500 Pensions and Social Security............. 4,722 4,807 5,111 4,152 5,119 Sources of income and personal taxes: a/ Money income before taxes.................. 63,063 69,356 63,469 58,080 64,944 Wages and salaries....................... 55,581 62,416 56,240 51,074 56,001 Self-employment income................... 3,391 3,728 2,589 2,818 4,843 Social Security, private and government retirement................... 1,924 1,499 1,884 2,437 1,541 Interest, dividends, rental income, other property income................... 986 610 1,254 845 1,232 Unemployment and workers'' compensation, veterans'' benefits..................... 250 270 318 190 254 Public assistance, supplemental security, income, food stamps..................... 380 459 214 348 540 Regular contributions for support........ 440 237 879 293 367 Other income............................. 111 136 90 75 166 Personal taxes............................. 4,318 3,612 5,838 2,999 5,310 Federal income taxes..................... 3,291 2,741 4,202 2,422 4,114 State and local income taxes............. 841 696 1,414 449 950 Other taxes.............................. 186 174 222 128 246 Income after taxes......................... 58,745 65,744 57,630 55,081 59,633 Net change in total assets and liabilities... -5,190 -2,073 -5,478 -2,169 -12,217 Net change in total assets............... 6,074 5,768 4,250 4,954 10,010 Net change in total liabilities.......... 11,264 7,841 9,728 7,124 22,227 Other financial information: Other money receipts..................... 566 350 492 668 671 Mortgage principal paid on owned property................................ -2,130 -2,477 -2,239 -1,638 -2,484 Estimated market value of owned home..... 128,615 143,386 121,120 98,327 171,077 Estimated monthly rental value of owned home.................................... 857 986 801 727 1,011 Gifts of goods and services................. 1,611 1,858 1,858 1,395 1,479 Food..................................... 155 175 191 134 130 Alcoholic beverages...................... 15 19 13 13 19 Housing.................................. 378 377 471 343 336 Housekeeping supplies.................. 49 56 66 38 44 Household textiles..................... 16 18 27 10 10 Appliances and miscellaneous housewares........................... 31 21 34 35 32 Major appliances..................... 9 d/ 9 15 7 7 Small appliances and miscellaneous housewares......................... 22 12 18 28 26 Miscellaneous household equipment...... 87 76 112 89 65 Other housing.......................... 195 206 233 171 184 Apparel and services..................... 283 343 328 251 237 Males, 2 and over...................... 78 98 76 73 69 Females, 2 and over.................... 109 153 136 79 90 Children under 2....................... 47 39 67 45 36 Other apparel products and services.... 50 52 50 54 42 Jewelry and watches.................. 18 20 16 17 19 All other apparel products and services............................ 33 31 34 38 23 Transportation........................... 89 24 75 109 128 Health care.............................. 45 29 39 44 70 Entertainment............................ 103 106 121 101 85 Toys, games, hobbies, and tricycles.... 36 37 46 33 29 Other entertainment.................... 68 69 76 69 56 Personal care products and services...... 26 25 28 26 24 Reading.................................. 1 1 2 1 1 Education................................ 414 593 477 316 348 All other gifts.......................... 100 167 113 57 100 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.