Table 3820. Consumer units with reference person age 35 to 44 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Item Total Northeast Midwest South West 35-44 _______________________________________________ Number of consumer units (in thousands)...... 24,401 4,748 5,632 8,159 5,861 Income before taxes a/ ...................... $49,806 $54,823 $50,407 $43,754 $53,575 Income after taxes a/ ....................... 45,598 50,865 46,407 40,657 47,552 Age of the reference person.................. 39.5 39.5 39.6 39.5 39.5 Average number in consumer unit: Persons..................................... 3.2 3.1 3.3 3.2 3.3 Children under 18........................... 1.4 1.3 1.4 1.3 1.4 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.7 1.7 1.8 1.7 1.7 Vehicles.................................... 2.2 1.8 2.5 2.2 2.3 Percent distribution: Male........................................ 61 60 66 58 61 Female...................................... 39 40 34 42 39 Homeowner................................... 66 64 73 68 59 With mortgage.............................. 55 55 60 53 52 Without mortgage........................... 12 9 13 15 7 Renter...................................... 34 36 27 32 41 Black....................................... 13 14 11 21 5 White and other............................. 87 86 89 79 95 Elementary (1-8)............................ 3 3 1 4 5 High school (9-12).......................... 39 39 42 42 32 College..................................... 58 59 57 54 63 Never attended and other.................... c/ d/ c/ c/ c/ At least one vehicle owned or leased........ 91 85 92 93 93 Average annual expenditures.................. $41,217 $42,650 $40,398 $37,658 $45,912 Food....................................... 5,727 5,949 5,769 5,391 6,024 Food at home............................. 3,348 3,469 3,324 3,173 3,548 Cereals and bakery products............ 530 591 537 482 549 Cereals and cereal products.......... 192 212 201 170 200 Bakery products...................... 339 379 335 312 349 Meats, poultry, fish, and eggs......... 865 926 804 881 844 Beef................................. 264 260 268 272 251 Pork................................. 172 165 172 189 151 Other meats.......................... 115 136 122 109 97 Poultry.............................. 173 206 140 167 188 Fish and seafood..................... 106 122 74 111 115 Eggs................................. 35 38 28 34 41 Dairy products......................... 380 404 392 339 414 Fresh milk and cream................. 159 163 171 141 172 Other dairy products................. 221 241 221 198 242 Fruits and vegetables.................. 523 570 505 467 589 Fresh fruits......................... 160 172 165 132 187 Fresh vegetables..................... 155 173 144 139 176 Processed fruits..................... 115 126 112 101 129 Processed vegetables................. 93 99 84 95 96 Other food at home..................... 1,050 978 1,086 1,003 1,151 Sugar and other sweets............... 131 120 145 121 144 Fats and oils........................ 88 90 86 87 89 Miscellaneous foods.................. 488 432 510 464 553 Nonalcoholic beverages............... 290 282 291 289 299 Food prepared by consumer unit on out-of-town trips................... 52 55 53 41 66 Food away from home...................... 2,380 2,479 2,446 2,218 2,476 Alcoholic beverages......................... 338 365 366 281 376 Housing..................................... 13,820 15,715 13,017 11,531 16,274 Shelter.................................. 8,130 9,756 7,317 6,235 10,232 Owned dwellings........................ 5,597 6,870 5,582 4,189 6,541 Mortgage interest and charges........ 3,726 4,271 3,404 2,892 4,754 Property taxes....................... 1,107 1,801 1,265 707 948 Maintenance, repairs, insurance,other expenses............................ 765 798 913 589 839 Rented dwellings....................... 2,134 2,425 1,372 1,690 3,248 Other lodging.......................... 399 460 364 356 443 Utilities, fuels, and public services.... 2,691 2,740 2,819 2,728 2,476 Natural gas............................ 318 409 476 183 278 Electricity............................ 1,017 934 969 1,237 823 Fuel oil and other fuels............... 97 243 104 46 42 Telephone services..................... 934 916 924 940 951 Water and other public services........ 326 237 346 322 383 Household operations..................... 720 636 674 643 939 Personal services...................... 446 417 468 363 561 Other household expenses............... 274 219 206 280 378 Housekeeping supplies.................... 537 492 578 510 578 Laundry and cleaning supplies.......... 139 117 149 140 144 Other household products............... 252 232 259 249 267 Postage and stationery................. 146 143 170 120 167 Household furnishings and equipment...... 1,742 2,091 1,628 1,415 2,049 Household textiles..................... 111 118 85 102 144 Furniture.............................. 448 525 394 375 537 Floor coverings........................ 103 216 68 77 79 Major appliances....................... 199 277 180 177 185 Small appliances, miscellaneous housewares............................ 94 80 97 65 147 Miscellaneous household equipment...... 789 875 803 619 956 Apparel and services....................... 2,121 2,259 2,226 2,011 2,068 Men and boys............................. 520 561 549 493 499 Men, 16 and over....................... 353 378 369 326 361 Boys, 2 to 15.......................... 167 183 180 167 138 Women and girls.......................... 824 856 926 764 787 Women, 16 and over..................... 616 627 685 585 588 Girls, 2 to 15......................... 207 229 241 179 199 Children under 2......................... 89 97 67 89 106 Footwear................................. 394 426 430 377 356 Other apparel products and services...... 294 318 255 288 321 Transportation............................. 7,561 6,910 7,361 7,774 7,983 Vehicle purchases (net outlay)........... 3,369 2,800 3,142 3,933 3,261 Cars and trucks, new................... 1,576 1,636 1,213 1,933 1,381 Cars and trucks, used.................. 1,741 1,164 1,912 1,936 1,774 Other vehicles......................... 51 d/ e/ 17 e/ 65 106 Gasoline and motor oil................... 1,249 1,131 1,324 1,231 1,297 Other vehicle expenses................... 2,564 2,422 2,575 2,346 2,972 Vehicle finance charges................ 371 251 381 438 366 Maintenance and repairs................ 769 581 783 764 915 Vehicle insurance...................... 826 851 770 791 908 Vehicle rental, leases, licenses, other charges......................... 598 739 642 353 784 Public transportation.................... 380 557 321 264 452 Health care................................ 1,647 1,465 1,653 1,759 1,635 Health insurance......................... 769 690 770 830 749 Medical services......................... 552 488 525 601 562 Drugs.................................... 225 182 253 235 226 Medical supplies......................... 100 106 105 95 99 Entertainment.............................. 2,135 2,105 2,282 1,827 2,453 Fees and admissions...................... 526 601 567 398 602 Television, radios, sound equipment...... 634 663 610 596 682 Pets, toys, and playground equipment..... 422 413 509 347 457 Other entertainment supplies, equipment,and services.................. 554 428 596 485 711 Personal care products and services........ 450 399 440 473 469 Reading.................................... 161 201 173 118 176 Education.................................. 601 639 575 539 681 Tobacco products and smoking supplies...... 336 338 413 336 262 Miscellaneous.............................. 981 1,047 904 849 1,195 Cash contributions......................... 971 777 882 1,011 1,157 Personal insurance and pensions............ 4,368 4,482 4,335 3,757 5,160 Life and other personal insurance........ 406 439 420 384 397 Pensions and Social Security............. 3,962 4,042 3,916 3,373 4,763 Sources of income and personal taxes: a/ Money income before taxes................. 49,806 54,823 50,407 43,754 53,575 Wages and salaries....................... 44,475 50,469 45,147 39,267 46,373 Self-employment income................... 3,007 2,309 3,152 2,038 4,651 Social Security, private and government retirement................... 625 427 489 895 536 Interest, dividends, rental income, other property income................... 450 478 298 390 640 Unemployment and workers'' compensation, veterans'' benefits..................... 223 327 216 147 252 Public assistance, supplemental security, income, food stamps..................... 416 340 376 408 515 Regular contributions for support........ 372 299 396 468 278 Other income............................. 238 172 334 140 330 Personal taxes............................. 4,207 3,958 4,000 3,097 6,024 Federal income taxes..................... 3,190 2,715 2,872 2,499 4,716 State and local income taxes............. 864 941 991 486 1,193 Other taxes.............................. 153 302 137 112 114 Income after taxes.......................... 45,598 50,865 46,407 40,657 47,552 Net change in total assets and liabilities.. -145 -464 -2,658 -728 3,342 Net change in total assets............... 8,895 9,677 6,149 6,168 14,696 Net change in total liabilities.......... 9,040 10,141 8,807 6,896 11,355 Other financial information: Other money receipts..................... 360 142 353 398 489 Mortgage principal paid on owned property................................ -1,495 -1,687 -1,604 -1,190 -1,660 Estimated market value of owned home..... 84,227 97,167 82,092 63,703 104,364 Estimated monthly rental value of owned home.............................. 613 690 616 518 678 Gifts of goods and services................. 885 1,027 942 766 881 Food..................................... 69 65 79 57 78 Housing.................................. 250 257 257 216 289 Housekeeping supplies.................. 51 50 49 49 57 Household textiles..................... 8 5 10 8 7 Appliances and miscellaneous housewares............................ 23 24 25 14 31 Major appliances..................... 6 15 e/ 1 e/ 1 9 Small appliances and miscellaneous housewares.......................... 17 9 24 13 22 Miscellaneous household equipment...... 63 62 73 52 68 Other housing.......................... 106 115 100 93 126 Apparel and services..................... 211 248 216 201 186 Males, 2 and over...................... 48 32 65 56 34 Females, 2 and over.................... 86 128 81 71 79 Children under 2....................... 33 36 35 27 39 Other apparel products and services.... 43 52 35 48 35 Jewelry and watches.................. 15 20 11 12 18 All other apparel products and services............................ 28 e/ 32 e/ 24 36 17 Transportation........................... 39 30 56 27 47 Health care.............................. 19 12 15 26 21 Entertainment............................ 73 103 80 55 67 Toys, games, hobbies, and tricycles.... 29 36 40 19 27 Other entertainment.................... 44 67 40 36 40 Education................................ 101 165 103 83 72 All other gifts.......................... 123 147 134 102 121 _____________________________________________ 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.