Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Item Total Northeast Midwest South West 55-64 Number of consumer units (in thousands)........... 17,029 3,479 3,741 6,227 3,583 Consumer unit characteristics: Income before taxes a/ .......................... $60,312 $65,109 $63,416 $54,117 $63,269 Income after taxes a/ ........................... 57,438 62,340 59,754 51,918 59,945 Age of reference person.......................... 59.1 59.0 59.2 59.1 58.9 Average number in consumer unit: Persons......................................... 2.1 2.1 2.1 2.1 2.2 Children under 18............................... .2 .1 .2 .2 .2 Persons 65 and over............................. .1 .1 .1 .1 .1 Earners......................................... 1.3 1.4 1.4 1.2 1.4 Vehicles........................................ 2.2 1.9 2.5 2.2 2.3 Percent distribution: Sex of reference person: Male............................................ 51 51 55 49 52 Female.......................................... 49 49 45 51 48 Housing tenure: Homeowner....................................... 82 77 86 85 79 With mortgage.................................. 45 36 47 45 51 Without mortgage............................... 37 41 39 40 28 Renter.......................................... 18 23 14 15 21 Race of reference person: Black or African-American....................... 10 9 8 16 3 White, Asian, and All Other Races............... 90 91 92 84 97 Education of reference person: Elementary (1-8)................................ 6 4 4 8 7 High school (9-12).............................. 36 38 41 38 25 College......................................... 57 57 55 53 67 Never attended and other........................ b/ b/ b/ b/ 1 At least one vehicle owned or leased............. 92 87 93 92 93 Average annual expenditures....................... $45,860 $48,084 $44,694 $41,485 $52,742 Food............................................. 5,720 6,604 5,370 5,230 6,171 Food at home.................................... 3,345 3,686 3,105 3,187 3,593 Cereals and bakery products.................... 432 506 422 399 435 Cereals and cereal products................... 139 160 124 130 150 Bakery products............................... 294 346 298 268 285 Meats, poultry, fish, and eggs................. 904 1,020 779 926 896 Beef.......................................... 272 243 227 324 254 Pork.......................................... 198 208 189 211 173 Other meats................................... 105 148 96 96 92 Poultry....................................... 149 201 124 130 165 Fish and seafood.............................. 139 172 109 127 164 Eggs.......................................... 41 48 34 39 48 Dairy products................................. 350 392 341 317 380 Fresh milk and cream.......................... 127 140 127 118 133 Other dairy products.......................... 222 252 214 199 247 Fruits and vegetables.......................... 590 698 524 527 685 Fresh fruits.................................. 194 238 179 166 224 Fresh vegetables.............................. 196 225 166 176 241 Processed fruits.............................. 112 134 100 97 132 Processed vegetables.......................... 88 101 79 88 88 Other food at home............................. 1,069 1,071 1,039 1,018 1,197 Sugar and other sweets........................ 131 151 123 114 154 Fats and oils................................. 95 103 92 87 105 Miscellaneous foods........................... 491 477 493 473 538 Nonalcoholic beverages........................ 293 285 271 296 321 Food prepared by consumer unit on out-of-town trips............................ 58 55 60 47 79 Food away from home............................. 2,375 2,918 2,265 2,042 2,577 Alcoholic beverages.............................. 416 532 429 313 478 Housing.......................................... 14,035 14,984 13,487 12,115 17,053 Shelter......................................... 7,731 8,775 7,145 6,349 9,733 Owned dwellings................................ 5,872 6,103 5,597 4,992 7,466 Mortgage interest and charges................. 2,777 2,182 2,408 2,472 4,270 Property taxes................................ 1,764 2,576 1,924 1,308 1,603 Maintenance, repairs, insurance, other expenses..................................... 1,331 1,345 1,265 1,212 1,593 Rented dwellings............................... 1,174 1,753 833 870 1,498 Other lodging.................................. 685 919 715 487 769 Utilities, fuels, and public services........... 3,157 3,219 3,233 3,119 3,084 Natural gas.................................... 455 579 695 280 388 Electricity.................................... 1,165 1,042 1,035 1,384 1,041 Fuel oil and other fuels....................... 154 363 130 80 104 Telephone services............................. 1,011 973 1,000 1,026 1,037 Water and other public services................ 372 263 373 349 515 Household operations............................ 625 597 612 535 823 Personal services.............................. 57 87 83 43 c/ 24 Other household expenses....................... 569 511 529 492 800 Housekeeping supplies........................... 638 636 638 606 702 Laundry and cleaning supplies.................. 149 142 148 154 146 Other household products....................... 314 296 306 314 338 Postage and stationery......................... 176 198 185 137 218 Household furnishings and equipment............. 1,883 1,757 1,859 1,507 2,710 Household textiles............................. 172 206 164 135 220 Furniture...................................... 476 401 445 409 698 Floor coverings................................ 81 55 59 53 180 Major appliances............................... 236 178 279 184 336 Small appliances, miscellaneous housewares.................................... 129 104 97 133 183 Miscellaneous household equipment.............. 789 813 815 593 1,092 Apparel and services............................. 1,717 2,252 1,520 1,483 1,860 Men and boys.................................... 327 466 251 281 365 Men, 16 and over............................... 279 419 208 233 314 Boys, 2 to 15.................................. 47 48 43 49 51 Women and girls................................. 726 957 682 635 721 Women, 16 and over............................. 675 900 629 593 664 Girls, 2 to 15................................. 51 57 53 42 57 Children under 2................................ 54 61 65 40 59 Footwear........................................ 296 451 219 268 288 Other apparel products and services............. 315 317 303 258 427 Transportation................................... 8,547 8,246 8,144 8,106 10,034 Vehicle purchases (net outlay).................. 3,944 3,429 3,693 3,957 4,681 Cars and trucks, new........................... 2,464 2,242 2,235 2,519 2,821 Cars and trucks, used.......................... 1,441 1,187 1,406 1,390 1,812 Other vehicles................................. 39 d/ c/ 52 c/ 49 c/ 49 Gasoline and motor oil.......................... 1,542 1,363 1,566 1,506 1,753 Other vehicle expenses.......................... 2,509 2,663 2,397 2,298 2,842 Vehicle finance charges........................ 336 243 356 377 337 Maintenance and repairs........................ 735 714 649 657 981 Vehicle insurance.............................. 953 1,052 876 919 997 Vehicle rental, leases, licenses, other charges....................................... 484 654 516 346 528 Public transportation........................... 552 791 487 344 758 Health care...................................... 3,163 2,785 3,406 3,191 3,232 Health insurance................................ 1,569 1,594 1,660 1,518 1,540 Medical services................................ 819 646 897 799 939 Drugs........................................... 635 437 695 746 573 Medical supplies................................ 140 108 154 127 181 Entertainment.................................... 2,624 2,181 2,121 2,744 3,380 Fees and admissions............................. 608 690 573 445 849 Television, radios, sound equipment............. 778 835 744 724 849 Pets, toys, hobbies, and playground equipment... 405 382 375 328 600 Other entertainment supplies, equipment, and services................................... 833 275 429 1,247 1,081 Personal care products and services.............. 590 647 558 519 701 Reading.......................................... 173 198 204 119 209 Education........................................ 736 1,367 589 540 621 Tobacco products and smoking supplies............ 318 309 333 331 289 Miscellaneous.................................... 752 899 690 554 1,021 Cash contributions............................... 1,662 1,389 1,971 1,452 1,972 Personal insurance and pensions.................. 5,408 5,690 5,874 4,789 5,721 Life and other personal insurance............... 591 652 677 568 484 Pensions and Social Security.................... 4,816 5,038 5,197 4,221 5,237 Sources of income and personal taxes: a/ Money income before taxes........................ 60,312 65,109 63,416 54,117 63,269 Wages and salaries.............................. 45,599 50,616 50,355 40,611 44,513 Self-employment income.......................... 3,418 3,558 2,945 2,927 4,637 Social Security, private and government retirement..................................... 8,364 7,405 8,069 8,304 9,697 Interest, dividends, rental income, other property income................................ 1,872 2,310 1,250 1,350 3,015 Unemployment and workers' compensation, veterans' benefits............................. 297 392 187 251 400 Public assistance, supplemental security income, food stamps............................ 357 395 259 329 472 Regular contributions for support............... 256 311 230 160 400 Other income.................................... 148 122 122 184 136 Personal taxes................................... 2,874 2,768 3,662 2,199 3,324 Federal income taxes............................ 2,066 1,899 2,498 1,647 2,503 State and local income taxes.................... 544 584 783 331 626 Other taxes..................................... 264 285 382 221 195 Income after taxes............................... 57,438 62,340 59,754 51,918 59,945 Addenda: Net change in total assets and liabilities....... -6,441 -3,629 -1,964 -7,521 -11,972 Net change in total assets...................... 6,955 5,371 4,352 5,821 13,184 Net change in total liabilities................. 13,397 9,000 6,316 13,342 25,156 Other financial information: Other money receipts............................ 1,500 1,496 643 1,714 2,027 Mortgage principal paid on owned property....... -2,305 -2,284 -2,685 -2,071 -2,336 Estimated market value of owned home............ 172,287 198,824 146,669 136,777 234,991 Estimated monthly rental value of owned home.... 962 1,019 908 844 1,166 Gifts of goods and services...................... 1,605 2,272 1,416 1,223 1,837 Food............................................ 144 270 109 76 175 Alcoholic beverages............................. 18 23 20 11 21 Housing......................................... 342 340 395 277 401 Housekeeping supplies.......................... 57 61 57 47 72 Household textiles............................. 27 20 35 26 28 Appliances and miscellaneous housewares.................................... 44 32 68 38 38 Major appliances.............................. 17 c/ 6 43 13 6 Small appliances and miscellaneous housewares................................... 27 26 25 25 32 Miscellaneous household equipment.............. 86 84 102 63 113 Other housing.................................. 128 144 133 103 150 Apparel and services............................ 344 446 311 288 383 Males, 2 and over.............................. 89 143 67 71 96 Females, 2 and over............................ 125 150 126 125 102 Children under 2............................... 46 49 54 36 53 Other apparel products and services............ 83 104 64 56 132 Jewelry and watches........................... 38 22 28 18 96 All other apparel products and services....... 46 83 36 38 36 Transportation.................................. 64 37 50 38 150 Health care..................................... 41 26 44 49 40 Entertainment................................... 116 131 126 101 116 Toys, games, arts and crafts, and tricycles.... 46 51 54 41 42 Other entertainment............................ 69 81 72 60 74 Personal care products and services............. 21 24 16 21 26 Reading......................................... 2 3 3 2 2 Education....................................... 359 771 202 264 289 All other gifts................................. 155 201 140 96 234 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. b Value less than 0.5. c Data are likely to have large sampling errors. d No data reported.