Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Item Total Northeast Midwest South West 45-54 _______________________________________________ Number of consumer units (in thousands)...... 19,701 3,923 4,506 7,095 4,178 Income before taxes a/ ...................... $57,004 $62,314 $57,359 $51,173 $61,451 Income after taxes a/ ....................... 51,845 57,039 51,820 47,048 55,127 Age of the reference person.................. 49.2 49.3 49.1 49.2 49.1 Average number in consumer unit: Persons..................................... 2.7 2.8 2.6 2.7 2.8 Children under 18........................... .6 .7 .6 .6 .7 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.8 1.9 1.9 1.7 1.8 Vehicles.................................... 2.5 2.3 2.8 2.3 2.6 Percent distribution: Male........................................ 64 61 68 63 62 Female...................................... 36 39 32 37 38 Homeowner................................... 77 75 83 79 70 With mortgage.............................. 57 56 59 57 58 Without mortgage........................... 20 19 24 22 12 Renter...................................... 23 25 17 21 30 Black....................................... 12 11 8 20 4 White and other............................. 88 89 92 80 96 Elementary (1-8)............................ 4 4 2 5 5 High school (9-12).......................... 33 34 36 35 26 College..................................... 62 62 62 59 68 Never attended and other.................... c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 93 88 95 94 94 Average annual expenditures.................. $45,173 $49,080 $45,441 $39,949 $50,054 Food....................................... 5,913 6,514 6,215 5,197 6,223 Food at home............................. 3,414 3,586 3,541 3,124 3,600 Cereals and bakery products............ 525 588 551 466 533 Cereals and cereal products.......... 180 195 191 155 194 Bakery products...................... 345 393 361 311 339 Meats, poultry, fish, and eggs......... 905 923 882 898 928 Beef................................. 277 284 277 276 271 Pork................................. 186 168 194 193 182 Other meats.......................... 112 121 131 99 104 Poultry.............................. 171 182 154 172 177 Fish and seafood..................... 122 131 94 121 145 Eggs................................. 38 36 32 36 49 Dairy products......................... 351 381 385 302 368 Fresh milk and cream................. 132 139 140 117 142 Other dairy products................. 219 241 245 185 227 Fruits and vegetables.................. 572 652 571 498 621 Fresh fruits......................... 181 204 188 149 207 Fresh vegetables..................... 178 206 174 151 198 Processed fruits..................... 121 151 110 106 129 Processed vegetables................. 92 90 98 91 86 Other food at home..................... 1,061 1,043 1,153 960 1,151 Sugar and other sweets............... 135 154 138 122 135 Fats and oils........................ 94 87 101 93 96 Miscellaneous foods.................. 469 436 526 417 526 Nonalcoholic beverages............... 290 282 310 274 304 Food prepared by consumer unit on out-of-town trips................... 73 84 76 54 89 Food away from home...................... 2,500 2,927 2,674 2,074 2,623 Alcoholic beverages......................... 352 428 340 270 431 Housing..................................... 14,035 16,106 13,389 12,023 16,198 Shelter.................................. 7,965 9,731 7,015 6,340 10,091 Owned dwellings........................ 5,732 7,029 5,356 4,525 6,972 Mortgage interest and charges........ 3,467 3,798 2,852 2,888 4,802 Property taxes....................... 1,354 2,176 1,450 866 1,308 Maintenance, repairs, insurance,other expenses............................ 912 1,055 1,054 771 862 Rented dwellings....................... 1,473 1,769 989 1,201 2,181 Other lodging.......................... 759 933 670 614 938 Utilities, fuels, and public services.... 2,892 3,111 2,843 2,940 2,656 Natural gas............................ 325 406 457 203 313 Electricity............................ 1,113 1,061 1,003 1,317 933 Fuel oil and other fuels............... 126 361 112 57 39 Telephone services..................... 972 992 947 1,003 929 Water and other public services........ 356 291 325 360 442 Household operations..................... 518 559 440 494 604 Personal services...................... 143 190 115 146 126 Other household expenses............... 375 369 325 349 478 Housekeeping supplies.................... 549 494 621 512 587 Laundry and cleaning supplies.......... 139 122 154 137 142 Other household products............... 252 214 271 260 253 Postage and stationery................. 158 157 196 115 191 Household furnishings and equipment...... 2,111 2,212 2,471 1,736 2,261 Household textiles..................... 145 119 188 114 174 Furniture.............................. 476 594 460 407 501 Floor coverings........................ 176 119 407 35 215 Major appliances....................... 202 201 171 226 197 Small appliances, miscellaneous housewares............................ 117 116 133 96 137 Miscellaneous household equipment...... 996 1,064 1,113 859 1,037 Apparel and services....................... 2,149 2,362 2,352 1,901 2,143 Men and boys............................. 532 690 612 385 543 Men, 16 and over....................... 446 577 522 309 468 Boys, 2 to 15.......................... 86 112 89 76 75 Women and girls.......................... 883 918 956 855 817 Women, 16 and over..................... 769 799 814 761 705 Girls, 2 to 15......................... 114 119 143 94 112 Children under 2......................... 48 31 49 55 53 Footwear................................. 347 354 403 293 372 Other apparel products and services...... 338 369 333 314 358 Transportation............................. 8,620 8,890 8,739 7,852 9,544 Vehicle purchases (net outlay)........... 3,717 3,487 3,919 3,563 3,977 Cars and trucks, new................... 1,868 1,780 1,827 1,900 1,940 Cars and trucks, used.................. 1,801 1,706 2,017 1,647 1,919 Other vehicles......................... 48 d/ 1 d/ 75 d/ 16 d/ 117 Gasoline and motor oil................... 1,368 1,295 1,393 1,334 1,465 Other vehicle expenses................... 3,002 3,317 2,908 2,650 3,406 Vehicle finance charges................ 406 337 430 442 382 Maintenance and repairs................ 892 888 837 845 1,035 Vehicle insurance...................... 1,001 1,184 895 920 1,080 Vehicle rental, leases, licenses, other charges......................... 704 908 746 443 909 Public transportation.................... 533 791 519 304 696 Health care................................ 2,068 1,935 2,091 2,199 1,943 Health insurance......................... 894 910 866 969 782 Medical services......................... 698 639 699 690 768 Drugs.................................... 341 250 360 416 277 Medical supplies......................... 134 135 166 125 116 Entertainment.............................. 2,255 2,423 2,443 1,724 2,794 Fees and admissions...................... 626 783 680 434 745 Television, radios, sound equipment...... 660 752 636 574 746 Pets, toys, and playground equipment..... 401 392 470 357 409 Other entertainment supplies, equipment,and services.................. 568 496 658 358 895 Personal care products and services........ 505 474 506 518 513 Reading.................................... 207 270 211 150 241 Education.................................. 1,059 1,664 1,156 685 1,022 Tobacco products and smoking supplies...... 325 378 358 320 248 Miscellaneous.............................. 1,066 1,155 1,068 954 1,168 Cash contributions......................... 1,468 1,221 1,500 1,355 1,857 Personal insurance and pensions............ 5,151 5,259 5,073 4,800 5,729 Life and other personal insurance........ 590 623 534 668 487 Pensions and Social Security............. 4,561 4,636 4,538 4,132 5,242 Sources of income and personal taxes: a/ Money income before taxes................. 57,004 62,314 57,359 51,173 61,451 Wages and salaries....................... 49,726 55,208 50,708 45,202 51,415 Self-employment income................... 3,729 3,869 3,503 2,607 5,576 Social Security, private and government retirement................... 1,621 1,415 1,483 1,921 1,450 Interest, dividends, rental income, other property income................... 862 571 845 558 1,589 Unemployment and workers'' compensation, veterans'' benefits..................... 288 483 140 210 388 Public assistance, supplemental security, income, food stamps..................... 348 325 325 316 439 Regular contributions for support........ 228 313 179 238 188 Other income............................. 202 131 176 122 407 Personal taxes............................. 5,159 5,275 5,539 4,125 6,324 Federal income taxes..................... 3,986 3,933 4,092 3,363 4,901 State and local income taxes............. 992 1,087 1,258 633 1,229 Other taxes.............................. 181 255 189 130 194 Income after taxes.......................... 51,845 57,039 51,820 47,048 55,127 Net change in total assets and liabilities.. -1,358 -150 653 -903 -5,432 Net change in total assets............... 5,764 9,913 4,470 5,104 4,385 Net change in total liabilities.......... 7,122 10,063 3,817 6,007 9,817 Other financial information: Other money receipts..................... 615 779 616 672 361 Mortgage principal paid on owned property................................ -1,934 -2,020 -2,008 -1,725 -2,126 Estimated market value of owned home..... 105,149 121,822 95,905 82,109 138,593 Estimated monthly rental value of owned home.............................. 714 807 680 611 840 Gifts of goods and services................. 1,817 2,404 1,883 1,308 2,057 Food..................................... 191 343 151 125 202 Housing.................................. 483 607 488 351 588 Housekeeping supplies.................. 45 50 58 33 46 Household textiles..................... 16 15 17 18 14 Appliances and miscellaneous housewares............................ 40 43 52 32 38 Major appliances..................... 11 11 15 8 10 Small appliances and miscellaneous housewares.......................... 30 32 38 24 28 Miscellaneous household equipment...... 98 133 104 67 111 Other housing.......................... 284 366 255 202 378 Apparel and services..................... 296 364 340 228 299 Males, 2 and over...................... 86 116 81 70 90 Females, 2 and over.................... 111 153 138 76 99 Children under 2....................... 34 27 33 37 39 Other apparel products and services.... 65 69 87 45 71 Jewelry and watches.................. 29 21 41 20 39 All other apparel products and services............................ 36 48 46 25 33 Transportation........................... 67 52 60 77 72 Health care.............................. 48 28 36 43 90 Entertainment............................ 125 138 160 87 139 Toys, games, hobbies, and tricycles.... 36 44 41 30 31 Other entertainment.................... 89 94 119 57 108 Education................................ 459 683 510 301 463 All other gifts.......................... 148 189 139 96 206 _____________________________________________ 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/ Data are likely to have large sampling errors.