Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Item Total Northeast Midwest South West 35-44 Number of consumer units (in thousands)...... 24,403 4,838 5,232 8,621 5,713 Income before taxes a/ ...................... $61,309 $67,859 $61,226 $57,742 $61,477 Income after taxes a/ ....................... 58,365 64,753 57,890 55,364 58,148 Age of the reference person.................. 39.7 39.8 39.8 39.6 39.7 Average number in consumer unit: Persons..................................... 3.2 3.2 3.2 3.2 3.3 Children under 18........................... 1.3 1.3 1.3 1.3 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.7 1.7 1.7 1.6 1.7 Vehicles.................................... 2.1 1.9 2.4 2.1 2.3 Percent distribution: Male........................................ 52 51 54 49 54 Female...................................... 48 49 46 51 46 Homeowner................................... 68 66 73 70 64 With mortgage.............................. 56 56 59 55 56 Without mortgage........................... 12 10 14 14 8 Renter...................................... 32 34 27 30 36 Black or African American................... 14 12 12 22 5 White, Asian, and All Other Races........... 86 88 88 78 95 Elementary (1-8)............................ 4 3 2 4 6 High school (9-12).......................... 37 36 37 41 30 College..................................... 59 61 61 55 64 Never attended and other.................... c/ d/ d/ c/ c/ At least one vehicle owned or leased........ 91 86 93 92 94 Average annual expenditures.................. $47,752 $49,877 $47,558 $44,250 $51,457 Food........................................ 6,293 6,815 6,237 5,785 6,694 Food at home............................. 3,601 3,942 3,498 3,264 3,935 Cereals and bakery products............ 533 591 536 472 574 Cereals and cereal products.......... 187 208 182 163 211 Bakery products...................... 346 383 354 309 363 Meats, poultry, fish, and eggs......... 925 1,027 847 898 957 Beef................................. 268 268 260 261 286 Pork................................. 193 198 181 202 185 Other meats.......................... 122 154 117 115 111 Poultry.............................. 169 194 155 160 175 Fish and seafood..................... 133 170 103 122 146 Eggs................................. 41 43 32 37 53 Dairy products......................... 390 432 395 331 440 Fresh milk and cream................. 155 164 164 133 175 Other dairy products................. 234 268 232 198 265 Fruits and vegetables.................. 595 693 529 509 706 Fresh fruits......................... 190 225 168 153 240 Fresh vegetables..................... 186 209 156 159 236 Processed fruits..................... 126 158 113 103 146 Processed vegetables................. 93 101 93 94 84 Other food at home..................... 1,158 1,199 1,191 1,053 1,257 Sugar and other sweets............... 143 165 152 120 153 Fats and oils........................ 94 105 90 89 96 Miscellaneous foods.................. 567 570 595 527 600 Nonalcoholic beverages............... 310 320 312 280 347 Food prepared by consumer unit on out-of-town trips................... 44 40 42 37 61 Food away from home.................... 2,692 2,873 2,740 2,521 2,760 Alcoholic beverages......................... 395 442 421 316 454 Housing..................................... 16,223 18,273 15,173 14,395 18,211 Shelter.................................. 9,790 11,161 8,834 8,259 11,815 Owned dwellings........................ 7,023 7,854 6,702 6,038 8,099 Mortgage interest and charges........ 4,574 4,663 4,143 4,007 5,750 Property taxes....................... 1,476 2,257 1,552 1,092 1,325 Maintenance, repairs, insurance,other expenses............................ 972 934 1,007 939 1,024 Rented dwellings....................... 2,333 2,851 1,641 1,860 3,242 Other lodging.......................... 434 456 492 361 474 Utilities, fuels, and public services.... 3,084 3,201 3,066 3,215 2,805 Natural gas............................ 398 517 580 249 357 Electricity............................ 1,125 1,028 1,018 1,390 907 Fuel oil and other fuels............... 97 278 95 45 25 Telephone services..................... 1,096 1,111 1,024 1,152 1,065 Water and other public services........ 367 268 348 379 451 Household operations..................... 980 1,256 844 868 1,040 Personal services...................... 550 809 496 441 547 Other household expenses............... 429 447 347 427 493 Housekeeping supplies.................... 593 618 628 572 571 Laundry and cleaning supplies.......... 151 138 163 156 141 Other household products............... 303 348 322 280 281 Postage and stationery................. 140 133 143 136 148 Household furnishings and equipment...... 1,777 2,036 1,801 1,482 1,980 Household textiles..................... 123 173 101 98 138 Furniture.............................. 521 616 486 416 630 Floor coverings........................ 53 80 49 54 31 Major appliances....................... 231 243 237 194 270 Small appliances, miscellaneous housewares............................ 90 86 94 85 99 Miscellaneous household equipment...... 760 839 835 636 812 Apparel and services........................ 2,096 2,316 2,077 1,888 2,249 Men and boys............................. 546 546 615 470 600 Men, 16 and over....................... 366 350 421 315 406 Boys, 2 to 15.......................... 180 196 193 154 194 Women and girls.......................... 776 861 763 697 836 Women, 16 and over..................... 544 569 530 486 624 Girls, 2 to 15......................... 232 292 233 211 212 Children under 2......................... 96 99 108 83 101 Footwear................................. 397 482 336 377 414 Other apparel products and services...... 281 328 255 260 297 Transportation.............................. 9,146 8,552 9,039 9,097 9,821 Vehicle purchases (net outlay)........... 4,424 3,795 4,494 4,656 4,541 Cars and trucks, new................... 2,307 1,997 2,061 2,478 2,537 Cars and trucks, used.................. 2,026 1,707 2,256 2,118 1,948 Other vehicles......................... 90 e/ 91 177 60 57 Gasoline and motor oil................... 1,528 1,373 1,539 1,516 1,665 Other vehicle expenses................... 2,789 2,808 2,623 2,651 3,132 Vehicle finance charges................ 503 365 488 586 506 Maintenance and repairs................ 760 646 694 700 1,008 Vehicle insurance...................... 992 1,055 917 990 1,009 Vehicle rental, leases, licenses, other charges.............................. 534 741 524 375 609 Public transportation.................... 406 575 383 274 482 Health care................................. 2,042 1,792 2,097 2,065 2,169 Health insurance......................... 1,066 1,043 1,066 1,095 1,042 Medical services......................... 577 431 594 549 726 Drugs.................................... 302 236 320 333 293 Medical supplies......................... 98 82 116 88 108 Entertainment............................... 2,602 2,881 2,856 2,208 2,726 Fees and admissions...................... 690 818 791 524 740 Television, radios, sound equipment...... 846 915 857 793 856 Pets, toys, and playground equipment..... 450 471 511 401 451 Other entertainment supplies, equipment,and services.................. 616 676 696 491 679 Personal care products and services......... 608 601 573 592 673 Reading..................................... 124 146 142 92 137 Education................................... 716 696 848 650 713 Tobacco products and smoking supplies....... 344 335 458 331 267 Miscellaneous............................... 721 616 780 608 926 Cash contributions.......................... 1,252 1,003 1,361 1,323 1,254 Personal insurance and pensions............. 5,189 5,410 5,496 4,897 5,162 Life and other personal insurance........ 395 411 436 391 350 Pensions and Social Security............. 4,794 4,999 5,059 4,506 4,812 Sources of income and personal taxes: a/ Money income before taxes.................. 61,309 67,859 61,226 57,742 61,477 Wages and salaries....................... 55,717 63,992 55,354 51,992 54,955 Self-employment income................... 2,805 1,074 3,166 3,019 3,583 Social Security, private and government retirement................... 852 682 724 1,019 851 Interest, dividends, rental income, other property income................... 623 780 845 395 643 Unemployment and workers'' compensation, veterans'' benefits..................... 313 331 318 183 496 Public assistance, supplemental security, income, food stamps..................... 376 451 316 377 365 Regular contributions for support........ 453 436 384 586 326 Other income............................. 170 113 121 172 259 Personal taxes............................. 2,944 3,107 3,336 2,379 3,330 Federal income taxes..................... 2,122 2,180 2,204 1,861 2,403 State and local income taxes............. 669 774 875 414 789 Other taxes.............................. 153 152 257 103 138 Income after taxes......................... 58,365 64,753 57,890 55,364 58,148 Net change in total assets and liabilities... -14,765 -10,001 -14,808 -8,537 -28,158 Net change in total assets............... 9,118 11,934 6,830 8,780 9,339 Net change in total liabilities.......... 23,883 21,935 21,639 17,317 37,496 Other financial information: Other money receipts..................... 412 666 375 409 234 Mortgage principal paid on owned property................................ -1,976 -2,199 -2,301 -1,589 -2,075 Estimated market value of owned home..... 125,177 141,833 119,089 100,421 154,005 Estimated monthly rental value of owned home.................................... 826 944 806 721 902 Gifts of goods and services................. 804 855 868 707 854 Food..................................... 50 42 80 43 41 Alcoholic beverages...................... 16 15 25 11 15 Housing.................................. 217 225 202 212 233 Housekeeping supplies.................. 48 67 47 36 51 Household textiles..................... 10 e/ 16 6 8 13 Appliances and miscellaneous housewares........................... 21 16 21 23 22 Major appliances..................... 8 9 12 5 7 Small appliances and miscellaneous housewares......................... 13 7 9 17 15 Miscellaneous household equipment...... 53 57 59 46 55 Other housing.......................... 85 69 68 99 94 Apparel and services..................... 214 257 240 159 239 Males, 2 and over...................... 59 62 71 41 75 Females, 2 and over.................... 67 90 74 47 73 Children under 2....................... 45 56 48 38 44 Other apparel products and services.... 43 50 48 33 46 Jewelry and watches.................. 17 14 30 9 22 All other apparel products and services............................ 25 36 18 24 25 Transportation........................... 34 95 11 15 33 Health care.............................. 22 14 14 26 29 Entertainment............................ 73 72 77 69 77 Toys, games, hobbies, and tricycles.... 25 39 28 18 21 Other entertainment.................... 48 33 50 51 56 Personal care products and services...... 21 28 20 20 19 Reading.................................. 1 c/ 1 c/ 1 Education................................ 102 43 130 117 103 All other gifts.......................... 54 62 68 34 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.