Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2002-2003 Item Total Northeast Midwest South West 65-74 Number of consumer units (in thousands)...... 11,355 2,147 2,705 4,267 2,236 Income before taxes a/ ...................... $35,217 $38,967 $34,640 $32,995 $36,731 Income after taxes a/ ....................... 33,712 37,553 32,732 32,008 34,603 Age of the reference person.................. 69.3 69.3 69.3 69.2 69.4 Average number in consumer unit: Persons..................................... 1.9 1.8 1.8 1.9 1.8 Children under 18........................... .1 .1 .1 .1 .1 Persons 65 and over......................... 1.4 1.4 1.4 1.4 1.4 Earners..................................... .6 .7 .7 .6 .6 Vehicles.................................... 1.8 1.4 2.0 1.8 2.0 Percent distribution: Male........................................ 50 50 51 50 50 Female...................................... 50 50 49 50 50 Homeowner................................... 83 77 86 86 83 With mortgage.............................. 26 24 22 26 35 Without mortgage........................... 57 52 64 60 48 Renter...................................... 17 23 14 14 17 Black or African American................... 11 10 7 16 4 White, Asian, and All Other Races........... 89 90 93 84 96 Elementary (1-8)............................ 11 11 10 12 8 High school (9-12).......................... 46 50 54 45 36 College..................................... 42 38 36 42 55 Never attended and other.................... 1 1 b/ 1 1 At least one vehicle owned or leased........ 88 77 92 89 90 Average annual expenditures.................. $32,945 $32,757 $33,765 $30,765 $36,168 Food........................................ 4,512 4,695 4,500 4,082 5,102 Food at home............................. 2,883 2,929 2,775 2,701 3,284 Cereals and bakery products............ 416 445 389 386 469 Cereals and cereal products.......... 129 120 119 121 162 Bakery products...................... 287 325 270 265 307 Meats, poultry, fish, and eggs......... 751 788 735 713 798 Beef................................. 217 207 223 221 212 Pork................................. 167 156 173 176 156 Other meats.......................... 94 111 95 80 100 Poultry.............................. 119 141 108 102 136 Fish and seafood..................... 118 141 104 98 146 Eggs................................. 36 33 31 35 48 Dairy products......................... 305 312 285 286 352 Fresh milk and cream................. 115 107 119 111 127 Other dairy products................. 190 205 167 175 225 Fruits and vegetables.................. 546 549 538 496 641 Fresh fruits......................... 178 171 184 155 220 Fresh vegetables..................... 179 188 166 154 229 Processed fruits..................... 103 110 103 95 112 Processed vegetables................. 85 81 85 92 79 Other food at home..................... 865 834 827 820 1,026 Sugar and other sweets............... 118 119 125 107 126 Fats and oils........................ 89 98 80 81 104 Miscellaneous foods.................. 404 377 380 397 479 Nonalcoholic beverages............... 212 204 198 203 254 Food prepared by consumer unit on out-of-town trips................... 42 36 44 32 64 Food away from home.................... 1,630 1,766 1,725 1,381 1,818 Alcoholic beverages......................... 279 308 260 211 391 Housing..................................... 10,411 11,167 9,907 9,663 11,738 Shelter.................................. 5,534 6,556 5,012 4,764 6,655 Owned dwellings........................ 4,077 4,541 3,758 3,644 4,845 Mortgage interest and charges........ 1,357 1,246 1,020 1,173 2,225 Property taxes....................... 1,387 2,073 1,511 1,037 1,242 Maintenance, repairs, insurance,other expenses............................ 1,333 1,222 1,227 1,434 1,377 Rented dwellings....................... 976 1,521 788 695 1,215 Other lodging.......................... 481 494 465 425 594 Utilities, fuels, and public services.... 2,657 2,637 2,725 2,728 2,460 Natural gas............................ 374 493 514 253 322 Electricity............................ 1,016 825 945 1,240 860 Fuel oil and other fuels............... 127 309 125 79 49 Telephone services..................... 784 741 795 802 776 Water and other public services........ 356 269 346 355 453 Household operations..................... 495 405 371 582 566 Personal services...................... 58 c/ 32 c/ 35 112 c/ 7 Other household expenses............... 438 373 336 470 559 Housekeeping supplies.................... 569 509 667 518 608 Laundry and cleaning supplies.......... 128 118 133 123 143 Other household products............... 282 210 359 280 276 Postage and stationery................. 159 182 176 116 190 Household furnishings and equipment...... 1,155 1,061 1,132 1,070 1,449 Household textiles..................... 126 121 129 97 177 Furniture.............................. 234 251 228 186 317 Floor coverings........................ 45 56 55 30 49 Major appliances....................... 194 158 172 199 240 Small appliances, miscellaneous housewares............................ 85 82 84 80 102 Miscellaneous household equipment...... 472 393 464 478 563 Apparel and services........................ 1,221 1,341 1,364 1,066 1,206 Men and boys............................. 250 266 240 236 271 Men, 16 and over....................... 218 238 196 210 238 Boys, 2 to 15.......................... 32 28 44 27 32 Women and girls.......................... 555 648 705 444 466 Women, 16 and over..................... 509 578 666 406 426 Girls, 2 to 15......................... 45 70 39 37 40 Children under 2......................... 23 25 27 24 16 Footwear................................. 211 151 231 212 253 Other apparel products and services...... 182 251 161 150 201 Transportation.............................. 5,875 5,376 6,312 5,646 6,261 Vehicle purchases (net outlay)........... 2,602 2,235 2,942 2,679 2,396 Cars and trucks, new................... 1,629 1,373 1,752 1,586 1,809 Cars and trucks, used.................. 936 862 1,076 1,070 583 Other vehicles......................... c/ 37 d/ c/ 114 c/ 23 c/ 4 Gasoline and motor oil................... 995 853 1,047 978 1,100 Other vehicle expenses................... 1,900 1,860 1,941 1,707 2,262 Vehicle finance charges................ 204 173 213 225 183 Maintenance and repairs................ 578 490 573 508 804 Vehicle insurance...................... 761 729 766 741 825 Vehicle rental, leases, licenses, other charges.............................. 358 468 389 234 450 Public transportation.................... 378 428 382 281 504 Health care................................. 3,607 3,033 4,098 3,547 3,682 Health insurance......................... 1,948 1,810 2,259 1,860 1,871 Medical services......................... 659 510 691 637 800 Drugs.................................... 861 582 989 939 831 Medical supplies......................... 140 132 160 111 179 Entertainment............................... 1,699 1,841 1,402 1,418 2,405 Fees and admissions...................... 383 402 347 308 551 Television, radios, sound equipment...... 553 593 547 497 629 Pets, toys, and playground equipment..... 359 664 293 235 319 Other entertainment supplies, equipment,and services.................. 404 181 215 378 906 Personal care products and services......... 499 488 508 484 535 Reading..................................... 155 179 177 118 175 Education................................... 232 272 130 185 407 Tobacco products and smoking supplies....... 220 230 215 234 189 Miscellaneous............................... 669 577 657 783 558 Cash contributions.......................... 1,717 1,363 2,214 1,632 1,619 Personal insurance and pensions............. 1,850 1,885 2,021 1,696 1,902 Life and other personal insurance........ 513 464 652 477 458 Pensions and Social Security............. 1,337 1,420 1,369 1,219 1,444 Sources of income and personal taxes: a/ Money income before taxes.................. 35,217 38,967 34,640 32,995 36,731 Wages and salaries....................... 12,741 18,414 10,726 11,027 13,147 Self-employment income................... 1,728 880 2,076 1,860 1,853 Social Security, private and government retirement................... 18,568 17,733 19,447 18,525 18,411 Interest, dividends, rental income, other property income................... 1,493 1,017 1,774 1,112 2,351 Unemployment and workers'' compensation, veterans'' benefits..................... 112 219 87 89 87 Public assistance, supplemental security, income, food stamps..................... 284 331 147 215 531 Regular contributions for support........ 120 c/ 149 87 119 136 Other income............................. 171 c/ 224 c/ 296 49 214 Personal taxes............................. 1,505 1,414 1,908 988 2,129 Federal income taxes..................... 1,077 877 1,284 738 1,683 State and local income taxes............. 190 281 279 44 287 Other taxes.............................. 238 257 345 205 159 Income after taxes......................... 33,712 37,553 32,732 32,008 34,603 Net change in total assets and liabilities... -5,596 550 -4,359 -7,794 -8,799 Net change in total assets............... -1,135 1,386 -794 -4,440 2,336 Net change in total liabilities.......... 4,460 836 3,565 3,354 11,135 Other financial information: Other money receipts..................... 408 432 528 336 376 Mortgage principal paid on owned property................................ -1,044 -1,062 -1,054 -888 -1,314 Estimated market value of owned home..... 135,672 148,287 114,741 103,145 210,944 Estimated monthly rental value of owned home.................................... 836 914 750 721 1,085 Gifts of goods and services................. 1,019 1,076 1,158 839 1,137 Food..................................... 66 95 59 60 63 Alcoholic beverages...................... 14 c/ 4 17 10 28 Housing.................................. 240 253 229 233 256 Housekeeping supplies.................. 48 52 53 31 67 Household textiles..................... 16 c/ 13 24 12 17 Appliances and miscellaneous housewares........................... 30 24 24 32 43 Major appliances..................... 8 c/ 8 c/ 3 c/ 9 c/ 11 Small appliances and miscellaneous housewares......................... 22 c/ 16 21 22 32 Miscellaneous household equipment...... 69 67 80 67 66 Other housing.......................... 76 98 48 91 62 Apparel and services..................... 258 307 355 191 214 Males, 2 and over...................... 73 64 88 57 95 Females, 2 and over.................... 109 148 182 63 62 Children under 2....................... 22 25 25 23 14 Other apparel products and services.... 54 71 59 48 44 Jewelry and watches.................. 22 47 13 16 18 All other apparel products and services............................ 32 c/ 24 47 31 26 Transportation........................... 27 61 23 13 27 Health care.............................. 42 c/ 22 54 43 c/ 44 Entertainment............................ 70 72 99 48 74 Toys, games, hobbies, and tricycles.... 35 35 47 30 32 Other entertainment.................... 35 37 52 18 42 Personal care products and services...... 22 36 23 19 10 Reading.................................. 3 2 3 2 5 Education................................ 152 150 91 117 295 All other gifts.......................... 125 73 205 104 120 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.