Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Item Total Northeast Midwest South West 45-54 Number of consumer units (in thousands)........... 23,421 4,611 5,681 8,356 4,772 Consumer unit characteristics: Income before taxes a/ .......................... $69,489 $78,020 $68,362 $63,576 $73,040 Income after taxes a/ ........................... 65,744 74,331 64,019 60,596 68,592 Age of reference person.......................... 49.4 49.3 49.3 49.4 49.5 Average number in consumer unit: Persons......................................... 2.7 2.7 2.6 2.6 2.8 Children under 18............................... .6 .6 .5 .5 .6 Persons 65 and over............................. b/ b/ b/ b/ b/ Earners......................................... 1.7 1.8 1.8 1.6 1.8 Vehicles........................................ 2.4 2.2 2.7 2.3 2.5 Percent distribution: Sex of reference person: Male............................................ 50 53 51 48 52 Female.......................................... 50 47 49 52 48 Housing tenure: Homeowner....................................... 77 76 80 76 74 With mortgage.................................. 57 55 59 55 61 Without mortgage............................... 20 21 21 22 13 Renter.......................................... 23 24 20 24 26 Race of reference person: Black or African-American....................... 12 11 10 20 4 White, Asian, and All Other Races............... 88 89 90 80 96 Education of reference person: Elementary (1-8)................................ 4 2 2 5 5 High school (9-12).............................. 33 35 36 35 24 College......................................... 63 63 62 60 70 Never attended and other........................ c/ c/ c/ c/ c/ At least one vehicle owned or leased............. 93 87 95 93 95 Average annual expenditures....................... $51,513 $55,877 $50,921 $45,824 $57,770 Food............................................. 6,709 7,468 6,559 6,075 7,183 Food at home.................................... 3,888 4,252 3,670 3,633 4,199 Cereals and bakery products.................... 528 612 486 494 552 Cereals and cereal products................... 174 197 157 165 187 Bakery products............................... 354 415 328 329 365 Meats, poultry, fish, and eggs................. 1,056 1,234 948 1,044 1,036 Beef.......................................... 329 371 304 331 316 Pork.......................................... 215 223 201 232 197 Other meats................................... 131 172 142 111 112 Poultry....................................... 183 224 154 179 186 Fish and seafood.............................. 153 196 111 146 175 Eggs.......................................... 44 48 35 45 49 Dairy products................................. 407 462 414 351 433 Fresh milk and cream.......................... 149 157 148 140 158 Other dairy products.......................... 258 305 267 211 275 Fruits and vegetables.......................... 647 701 593 579 763 Fresh fruits.................................. 217 244 194 186 264 Fresh vegetables.............................. 209 225 176 192 260 Processed fruits.............................. 124 134 126 103 143 Processed vegetables.......................... 97 98 97 98 96 Other food at home............................. 1,250 1,244 1,228 1,165 1,414 Sugar and other sweets........................ 152 162 146 138 169 Fats and oils................................. 107 112 94 106 117 Miscellaneous foods........................... 597 573 618 548 670 Nonalcoholic beverages........................ 349 349 324 339 395 Food prepared by consumer unit on out-of-town trips............................ 46 49 46 34 63 Food away from home............................. 2,821 3,216 2,890 2,442 2,984 Alcoholic beverages.............................. 489 582 482 390 567 Housing.......................................... 15,894 17,749 14,791 14,055 18,616 Shelter......................................... 9,276 10,862 8,124 7,752 11,782 Owned dwellings................................ 6,931 8,087 6,178 5,823 8,650 Mortgage interest and charges................. 4,049 4,045 3,389 3,557 5,697 Property taxes................................ 1,687 2,544 1,738 1,231 1,596 Maintenance, repairs, insurance, other expenses..................................... 1,196 1,498 1,051 1,036 1,356 Rented dwellings............................... 1,646 1,842 1,232 1,411 2,360 Other lodging.................................. 699 933 714 518 772 Utilities, fuels, and public services........... 3,374 3,647 3,358 3,363 3,151 Natural gas.................................... 470 588 693 291 405 Electricity.................................... 1,215 1,195 1,076 1,431 1,023 Fuel oil and other fuels....................... 139 392 113 66 56 Telephone services............................. 1,167 1,174 1,113 1,199 1,168 Water and other public services................ 382 296 363 376 499 Household operations............................ 663 783 495 597 864 Personal services.............................. 126 151 84 100 198 Other household expenses....................... 537 632 411 496 667 Housekeeping supplies........................... 686 616 820 635 676 Laundry and cleaning supplies.................. 171 181 182 163 161 Other household products....................... 348 298 437 320 336 Postage and stationery......................... 167 137 201 151 179 Household furnishings and equipment............. 1,895 1,841 1,994 1,710 2,142 Household textiles............................. 168 197 164 152 170 Furniture...................................... 432 404 412 429 488 Floor coverings................................ 63 68 55 52 89 Major appliances............................... 227 300 211 181 256 Small appliances, miscellaneous housewares.................................... 118 102 122 118 131 Miscellaneous household equipment.............. 886 771 1,029 777 1,008 Apparel and services............................. 2,084 2,423 1,888 1,778 2,486 Men and boys.................................... 505 558 537 398 585 Men, 16 and over............................... 413 446 453 320 485 Boys, 2 to 15.................................. 91 112 85 78 100 Women and girls................................. 890 1,019 799 758 1,084 Women, 16 and over............................. 774 873 683 664 961 Girls, 2 to 15................................. 116 146 116 94 123 Children under 2................................ 52 53 38 65 49 Footwear........................................ 360 459 270 331 416 Other apparel products and services............. 277 334 244 225 353 Transportation................................... 9,552 9,830 9,795 8,680 10,518 Vehicle purchases (net outlay).................. 4,206 4,283 4,254 3,970 4,488 Cars and trucks, new........................... 2,193 1,867 2,317 2,107 2,512 Cars and trucks, used.......................... 1,887 2,244 1,789 1,782 1,846 Other vehicles................................. 125 172 149 82 130 Gasoline and motor oil.......................... 1,814 1,669 1,866 1,767 1,976 Other vehicle expenses.......................... 3,038 3,181 3,182 2,649 3,405 Vehicle finance charges........................ 441 373 460 469 434 Maintenance and repairs........................ 810 816 851 639 1,052 Vehicle insurance.............................. 1,235 1,293 1,225 1,194 1,264 Vehicle rental, leases, licenses, other charges....................................... 551 698 645 346 654 Public transportation........................... 494 696 494 294 649 Health care...................................... 2,588 2,349 2,747 2,434 2,900 Health insurance................................ 1,229 1,190 1,304 1,175 1,274 Medical services................................ 764 671 795 649 1,020 Drugs........................................... 460 383 487 503 427 Medical supplies................................ 135 105 161 107 180 Entertainment.................................... 2,560 2,575 2,577 2,235 3,079 Fees and admissions............................. 646 795 669 451 815 Television, radios, sound equipment............. 896 954 884 864 911 Pets, toys, hobbies, and playground equipment... 463 445 477 385 593 Other entertainment supplies, equipment, and services................................... 555 381 548 535 760 Personal care products and services.............. 653 702 634 590 730 Reading.......................................... 150 171 167 113 172 Education........................................ 1,473 2,390 1,490 999 1,395 Tobacco products and smoking supplies............ 380 416 475 333 314 Miscellaneous.................................... 802 812 930 676 854 Cash contributions............................... 1,638 1,479 1,788 1,502 1,849 Personal insurance and pensions.................. 6,541 6,932 6,597 5,965 7,107 Life and other personal insurance............... 552 652 560 502 533 Pensions and Social Security.................... 5,989 6,279 6,037 5,463 6,574 Sources of income and personal taxes: a/ Money income before taxes........................ 69,489 78,020 68,362 63,576 73,040 Wages and salaries.............................. 60,605 68,778 59,204 56,798 61,110 Self-employment income.......................... 4,135 4,636 4,121 2,759 6,095 Social Security, private and government retirement..................................... 2,314 1,845 2,148 2,186 3,178 Interest, dividends, rental income, other property income................................ 1,240 1,532 1,722 686 1,377 Unemployment and workers' compensation, veterans' benefits............................. 361 460 428 258 369 Public assistance, supplemental security income, food stamps............................ 313 283 200 363 388 Regular contributions for support............... 366 333 389 378 348 Other income.................................... 156 155 151 148 175 Personal taxes................................... 3,745 3,689 4,344 2,980 4,448 Federal income taxes............................ 2,742 2,507 3,079 2,260 3,425 State and local income taxes.................... 771 847 963 575 821 Other taxes..................................... 232 336 302 145 202 Income after taxes............................... 65,744 74,331 64,019 60,596 68,592 Addenda: Net change in total assets and liabilities....... -15,396 -16,711 -10,129 -10,914 -28,245 Net change in total assets...................... 6,996 6,797 7,442 5,629 9,050 Net change in total liabilities................. 22,392 23,508 17,572 16,543 37,295 Other financial information: Other money receipts............................ 507 617 449 463 547 Mortgage principal paid on owned property....... -2,531 -2,778 -2,571 -2,026 -3,129 Estimated market value of owned home............ 157,580 185,168 142,063 120,032 215,144 Estimated monthly rental value of owned home.... 923 999 875 813 1,098 Gifts of goods and services...................... 1,762 2,374 1,852 1,422 1,644 Food............................................ 149 236 130 117 138 Alcoholic beverages............................. 25 32 18 17 38 Housing......................................... 360 409 369 334 344 Housekeeping supplies.......................... 65 75 70 56 62 Household textiles............................. 21 19 29 18 19 Appliances and miscellaneous housewares.................................... 31 21 35 29 40 Major appliances.............................. 10 d/ 4 15 5 17 Small appliances and miscellaneous housewares................................... 22 17 21 25 24 Miscellaneous household equipment.............. 88 77 93 89 90 Other housing.................................. 155 217 142 142 133 Apparel and services............................ 289 350 299 253 280 Males, 2 and over.............................. 79 99 97 58 73 Females, 2 and over............................ 105 112 104 103 104 Children under 2............................... 40 41 29 49 37 Other apparel products and services............ 65 97 68 43 66 Jewelry and watches........................... 20 36 15 13 23 All other apparel products and services....... 45 62 54 29 42 Transportation.................................. 95 60 137 91 88 Health care..................................... 47 53 58 34 48 Entertainment................................... 95 81 117 79 105 Toys, games, arts and crafts, and tricycles.... 31 17 44 32 25 Other entertainment............................ 64 64 73 47 80 Personal care products and services............. 28 35 25 24 29 Reading......................................... 1 1 1 1 2 Education....................................... 587 1,046 612 398 446 All other gifts................................. 87 70 87 74 127 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 0.05. c Value less than 0.5. d Data are likely to have large sampling errors.