Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Item Total Northeast Midwest South West 55-64 Number of consumer units (in thousands)...... 15,947 3,280 3,544 5,883 3,240 Income before taxes a/ ...................... $56,036 $59,694 $61,936 $48,119 $60,547 Income after taxes a/ ....................... 53,195 56,939 58,564 45,836 57,172 Age of the reference person.................. 59.1 59.0 59.1 59.1 59.0 Average number in consumer unit: Persons..................................... 2.1 2.1 2.1 2.1 2.2 Children under 18........................... .2 .2 .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 2.0 2.5 2.2 2.3 Percent distribution: Male........................................ 53 53 54 52 55 Female...................................... 47 47 46 48 45 Homeowner................................... 81 77 85 83 79 With mortgage.............................. 44 36 43 44 52 Without mortgage........................... 38 41 42 39 27 Renter...................................... 19 23 15 17 21 Black or African American................... 11 9 8 17 5 White, Asian, and All Other Races........... 89 91 92 83 95 Elementary (1-8)............................ 6 4 3 8 7 High school (9-12).......................... 38 42 40 40 26 College..................................... 56 53 56 51 66 Never attended and other.................... b/ b/ b/ b/ b/ At least one vehicle owned or leased........ 91 87 93 92 92 Average annual expenditures.................. $44,261 $47,093 $44,600 $38,733 $51,099 Food........................................ 5,544 6,384 5,238 5,152 5,818 Food at home............................. 3,217 3,555 3,008 3,089 3,383 Cereals and bakery products............ 425 501 410 392 432 Cereals and cereal products.......... 137 161 125 130 140 Bakery products...................... 288 340 285 262 292 Meats, poultry, fish, and eggs......... 862 972 757 900 819 Beef................................. 253 239 194 309 231 Pork................................. 181 181 188 186 163 Other meats.......................... 106 146 91 99 98 Poultry.............................. 138 176 120 123 151 Fish and seafood..................... 151 192 132 150 138 Eggs................................. 34 38 31 33 37 Dairy products......................... 326 368 319 299 344 Fresh milk and cream................. 119 131 119 115 118 Other dairy products................. 206 237 200 184 226 Fruits and vegetables.................. 592 696 508 539 690 Fresh fruits......................... 197 236 174 172 236 Fresh vegetables..................... 192 234 153 174 230 Processed fruits..................... 114 133 102 102 135 Processed vegetables................. 89 94 79 92 90 Other food at home..................... 1,012 1,017 1,015 958 1,097 Sugar and other sweets............... 125 128 126 111 145 Fats and oils........................ 91 99 91 87 92 Miscellaneous foods.................. 467 448 460 451 520 Nonalcoholic beverages............... 278 287 288 268 276 Food prepared by consumer unit on out-of-town trips................... 50 54 51 41 65 Food away from home.................... 2,326 2,829 2,229 2,063 2,435 Alcoholic beverages......................... 395 534 421 288 431 Housing..................................... 13,772 14,863 13,783 11,471 16,758 Shelter.................................. 7,618 8,797 6,921 6,107 9,928 Owned dwellings........................ 5,685 6,091 5,429 4,664 7,410 Mortgage interest and charges........ 2,726 2,252 2,278 2,317 4,439 Property taxes....................... 1,659 2,514 1,773 1,161 1,575 Maintenance, repairs, insurance,other expenses............................ 1,300 1,325 1,378 1,185 1,396 Rented dwellings....................... 1,239 1,764 811 977 1,649 Other lodging.......................... 693 941 681 466 869 Utilities, fuels, and public services.... 3,024 3,128 3,092 2,967 2,946 Natural gas............................ 395 506 585 239 359 Electricity............................ 1,133 1,005 1,028 1,344 997 Fuel oil and other fuels............... 137 348 116 62 80 Telephone services..................... 981 982 1,003 963 990 Water and other public services........ 377 287 360 359 520 Household operations..................... 583 653 619 444 728 Personal services...................... 75 131 112 35 51 Other household expenses............... 508 522 507 409 677 Housekeeping supplies.................... 725 632 1,167 532 642 Laundry and cleaning supplies.......... 139 135 144 147 123 Other household products............... 420 287 852 266 316 Postage and stationery................. 166 211 171 119 204 Household furnishings and equipment...... 1,822 1,653 1,983 1,420 2,513 Household textiles..................... 161 112 169 117 275 Furniture.............................. 465 495 385 394 648 Floor coverings........................ 65 62 62 35 126 Major appliances....................... 226 165 282 160 340 Small appliances, miscellaneous housewares............................ 130 110 148 134 124 Miscellaneous household equipment...... 775 710 938 580 999 Apparel and services........................ 1,673 2,031 1,680 1,494 1,662 Men and boys............................. 325 363 335 298 328 Men, 16 and over....................... 284 328 296 254 285 Boys, 2 to 15.......................... 41 35 40 43 42 Women and girls.......................... 744 868 711 673 801 Women, 16 and over..................... 692 828 652 630 730 Girls, 2 to 15......................... 52 41 59 43 72 Children under 2......................... 55 63 71 41 51 Footwear................................. 263 390 247 255 181 Other apparel products and services...... 287 347 315 227 301 Transportation.............................. 8,569 8,617 8,899 7,797 9,574 Vehicle purchases (net outlay)........... 4,093 3,753 4,455 3,827 4,526 Cars and trucks, new................... 2,363 2,242 2,405 2,279 2,591 Cars and trucks, used.................. 1,702 1,511 2,026 1,506 1,896 Other vehicles......................... c/ 29 d/ c/ 24 c/ 42 c/ 39 Gasoline and motor oil................... 1,354 1,217 1,426 1,301 1,510 Other vehicle expenses................... 2,605 2,827 2,571 2,349 2,884 Vehicle finance charges................ 353 284 381 394 315 Maintenance and repairs................ 778 751 753 688 995 Vehicle insurance...................... 961 1,056 905 911 1,015 Vehicle rental, leases, licenses, other charges.............................. 514 736 532 356 560 Public transportation.................... 517 819 447 320 653 Health care................................. 3,034 2,900 3,013 2,995 3,258 Health insurance......................... 1,468 1,552 1,427 1,474 1,417 Medical services......................... 800 708 797 682 1,113 Drugs.................................... 642 526 658 735 568 Medical supplies......................... 124 114 132 104 160 Entertainment............................... 2,359 2,409 2,237 1,844 3,364 Fees and admissions...................... 591 762 517 407 832 Television, radios, sound equipment...... 731 778 788 641 780 Pets, toys, and playground equipment..... 400 372 417 333 527 Other entertainment supplies, equipment,and services.................. 637 497 515 463 1,224 Personal care products and services......... 553 559 516 508 665 Reading..................................... 174 218 190 112 226 Education................................... 669 1,144 562 509 596 Tobacco products and smoking supplies....... 348 377 431 335 253 Miscellaneous............................... 797 838 653 710 1,074 Cash contributions.......................... 1,545 1,367 1,773 1,350 1,831 Personal insurance and pensions............. 4,828 4,854 5,203 4,169 5,589 Life and other personal insurance........ 582 754 591 547 463 Pensions and Social Security............. 4,246 4,100 4,612 3,622 5,126 Sources of income and personal taxes: a/ Money income before taxes.................. 56,036 59,694 61,936 48,119 60,547 Wages and salaries....................... 42,859 45,713 49,796 37,000 43,285 Self-employment income................... 2,666 2,244 2,620 1,723 4,853 Social Security, private and government retirement................... 7,601 8,072 7,076 7,456 7,964 Interest, dividends, rental income, other property income................... 1,728 2,409 1,359 995 2,792 Unemployment and workers'' compensation, veterans'' benefits..................... 335 468 233 259 452 Public assistance, supplemental security, income, food stamps..................... 427 392 335 432 553 Regular contributions for support........ 317 337 437 126 519 Other income............................. 104 58 80 128 129 Personal taxes............................. 2,841 2,754 3,373 2,283 3,374 Federal income taxes..................... 2,070 1,936 2,281 1,797 2,477 State and local income taxes............. 502 538 711 310 594 Other taxes.............................. 268 281 381 175 304 Income after taxes......................... 53,195 56,939 58,564 45,836 57,172 Net change in total assets and liabilities... -6,196 -999 -2,489 -7,596 -12,970 Net change in total assets............... 5,625 5,876 4,956 4,183 8,721 Net change in total liabilities.......... 11,821 6,875 7,445 11,779 21,692 Other financial information: Other money receipts..................... 1,386 1,740 2,266 970 821 Mortgage principal paid on owned property................................ -2,002 -2,242 -2,205 -1,648 -2,179 Estimated market value of owned home..... 152,793 180,514 134,534 116,470 210,659 Estimated monthly rental value of owned home.................................... 906 992 839 765 1,148 Gifts of goods and services................. 1,552 2,099 1,483 1,192 1,727 Food..................................... 166 368 149 72 154 Alcoholic beverages...................... 15 19 18 8 21 Housing.................................. 321 318 387 246 384 Housekeeping supplies.................. 53 67 56 42 58 Household textiles..................... 26 13 34 27 27 Appliances and miscellaneous housewares........................... 45 40 65 38 39 Major appliances..................... 17 17 31 8 15 Small appliances and miscellaneous housewares......................... 28 23 33 30 24 Miscellaneous household equipment...... 88 87 124 59 101 Other housing.......................... 109 111 108 81 159 Apparel and services..................... 327 389 339 297 309 Males, 2 and over...................... 77 82 77 73 80 Females, 2 and over.................... 140 146 132 145 134 Children under 2....................... 47 54 60 35 46 Other apparel products and services.... 63 107 69 44 50 Jewelry and watches.................. 30 60 33 15 21 All other apparel products and services............................ 34 47 36 29 28 Transportation........................... 71 31 79 26 183 Health care.............................. 52 55 55 41 64 Entertainment............................ 109 137 117 92 104 Toys, games, hobbies, and tricycles.... 48 52 55 41 46 Other entertainment.................... 62 85 62 51 58 Personal care products and services...... 18 14 17 14 30 Reading.................................. 2 4 2 1 2 Education................................ 335 594 218 272 312 All other gifts.......................... 135 170 102 121 162 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c Data are likely to have large sampling errors. d No data reported. n.a. Not applicable.