Table 3830. Consumer units with reference person age 45 to 54 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Item Total Northeast Midwest South West 45-54 Number of consumer units (in thousands)...... 20,481 3,991 4,747 7,125 4,618 Income before taxes a/ ...................... $59,263 $66,028 $57,882 $53,131 $63,912 Income after taxes a/ ....................... 53,858 59,585 52,439 48,916 57,677 Age of the reference person.................. 49.2 49.4 49.2 49.1 49.2 Average number in consumer unit: Persons..................................... 2.7 2.9 2.6 2.7 2.8 Children under 18........................... .6 .6 .5 .6 .6 Persons 65 and over......................... b/ b/ b/ b/ b/ Earners..................................... 1.8 2.0 1.9 1.7 1.8 Vehicles.................................... 2.5 2.3 2.7 2.3 2.6 Percent distribution: Male........................................ 61 62 62 59 62 Female...................................... 39 38 38 41 38 Homeowner................................... 77 74 83 78 71 With mortgage.............................. 56 51 60 55 57 Without mortgage........................... 21 22 24 23 13 Renter...................................... 23 26 17 22 29 Black....................................... 12 11 9 19 3 White and other............................. 88 89 91 81 97 Elementary (1-8)............................ 4 3 2 5 5 High school (9-12).......................... 33 34 37 36 24 College..................................... 63 62 61 59 71 Never attended and other.................... c/ c/ c/ c/ 1 At least one vehicle owned or leased........ 92 87 94 93 94 Average annual expenditures.................. $45,927 $48,934 $45,057 $41,526 $51,014 Food........................................ 5,972 6,524 6,116 5,469 6,116 Food at home............................. 3,364 3,596 3,373 3,167 3,451 Cereals and bakery products............ 506 567 509 459 519 Cereals and cereal products.......... 173 187 172 157 184 Bakery products...................... 333 380 337 301 335 Meats, poultry, fish, and eggs......... 887 958 839 907 837 Beef................................. 263 290 256 259 250 Pork................................. 182 179 187 197 156 Other meats.......................... 112 131 122 104 97 Poultry.............................. 165 186 137 173 162 Fish and seafood..................... 129 136 106 139 129 Eggs................................. 36 36 31 34 44 Dairy products......................... 349 388 375 306 352 Fresh milk and cream................. 128 143 136 110 136 Other dairy products................. 220 245 240 196 216 Fruits and vegetables.................. 574 648 554 519 611 Fresh fruits......................... 181 195 175 159 208 Fresh vegetables..................... 175 200 159 157 194 Processed fruits..................... 127 162 123 112 123 Processed vegetables................. 91 91 96 92 86 Other food at home..................... 1,049 1,035 1,096 976 1,130 Sugar and other sweets............... 130 134 131 124 134 Fats and oils........................ 96 92 97 95 99 Miscellaneous foods.................. 470 466 505 418 518 Nonalcoholic beverages............... 295 281 312 288 300 Food prepared by consumer unit on out-of-town trips................... 60 62 52 51 79 Food away from home.................... 2,608 2,928 2,743 2,302 2,666 Alcoholic beverages......................... 333 377 349 280 361 Housing..................................... 14,240 16,148 13,382 12,327 16,432 Shelter.................................. 8,319 9,937 7,487 6,632 10,379 Owned dwellings........................ 6,042 7,022 5,921 4,847 7,163 Mortgage interest and charges........ 3,589 3,793 3,103 3,039 4,761 Property taxes....................... 1,424 2,219 1,562 963 1,306 Maintenance, repairs, insurance,other expenses............................ 1,029 1,010 1,256 845 1,095 Rented dwellings....................... 1,484 1,929 868 1,180 2,201 Other lodging.......................... 793 986 698 605 1,016 Utilities, fuels, and public services.... 2,855 3,072 2,851 2,910 2,587 Natural gas............................ 316 423 430 187 306 Electricity............................ 1,092 1,054 1,013 1,301 884 Fuel oil and other fuels............... 100 280 84 50 37 Telephone services..................... 1,000 1,031 1,000 1,024 939 Water and other public services........ 347 284 325 348 421 Household operations..................... 553 666 462 499 635 Personal services...................... 144 184 115 141 145 Other household expenses............... 409 482 346 357 490 Housekeeping supplies.................... 561 487 584 559 608 Laundry and cleaning supplies.......... 138 112 150 142 144 Other household products............... 272 229 251 302 288 Postage and stationery................. 150 146 183 115 176 Household furnishings and equipment...... 1,952 1,986 1,998 1,728 2,223 Household textiles..................... 155 136 190 127 180 Furniture.............................. 443 422 421 394 559 Floor coverings........................ 64 94 72 42 66 Major appliances....................... 209 223 202 198 223 Small appliances, miscellaneous housewares............................ 117 124 131 102 120 Miscellaneous household equipment...... 963 986 983 866 1,075 Apparel and services........................ 2,122 2,428 2,052 2,051 2,030 Men and boys............................. 523 638 563 417 543 Men, 16 and over....................... 444 539 481 349 471 Boys, 2 to 15.......................... 78 99 83 68 71 Women and girls.......................... 873 1,005 767 938 758 Women, 16 and over..................... 751 889 633 819 639 Girls, 2 to 15......................... 122 115 134 119 119 Children under 2......................... 45 21 47 56 47 Footwear................................. 337 344 370 316 331 Other apparel products and services...... 345 420 305 324 352 Transportation.............................. 8,765 8,738 8,396 8,368 9,779 Vehicle purchases (net outlay)........... 3,927 3,520 3,780 4,008 4,306 Cars and trucks, new................... 2,004 1,736 1,512 2,190 2,452 Cars and trucks, used.................. 1,874 1,784 2,201 1,798 1,733 Other vehicles......................... 50 d/ e/ 67 e/ 20 121 Gasoline and motor oil................... 1,329 1,232 1,327 1,297 1,464 Other vehicle expenses................... 3,008 3,308 2,847 2,714 3,369 Vehicle finance charges................ 427 346 429 487 402 Maintenance and repairs................ 868 905 754 794 1,067 Vehicle insurance...................... 1,030 1,247 913 963 1,066 Vehicle rental, leases, licenses, other charges.............................. 684 810 751 470 834 Public transportation.................... 500 677 441 349 639 Health care................................. 2,185 1,997 2,278 2,291 2,088 Health insurance......................... 942 880 977 968 917 Medical services......................... 746 742 748 756 733 Drugs.................................... 373 256 401 463 307 Medical supplies......................... 124 120 152 105 130 Entertainment............................... 2,278 2,315 2,444 1,867 2,717 Fees and admissions...................... 602 725 617 469 687 Television, radios, sound equipment...... 715 804 725 652 723 Pets, toys, and playground equipment..... 404 353 458 375 439 Other entertainment supplies, equipment,and services.................. 557 433 643 371 868 Personal care products and services......... 495 454 470 546 477 Reading..................................... 209 279 208 146 248 Education................................... 1,089 1,706 1,151 703 1,086 Tobacco products and smoking supplies....... 367 451 381 356 297 Miscellaneous............................... 1,058 1,103 1,043 963 1,181 Cash contributions.......................... 1,458 1,165 1,541 1,392 1,729 Personal insurance and pensions............. 5,357 5,250 5,246 4,768 6,473 Life and other personal insurance........ 596 682 549 601 565 Pensions and Social Security............. 4,761 4,569 4,698 4,167 5,908 Sources of income and personal taxes: a/ Money income before taxes.................. 59,263 66,028 57,882 53,131 63,912 Wages and salaries....................... 51,825 59,265 51,033 46,695 54,033 Self-employment income................... 3,811 3,418 3,238 3,175 5,514 Social Security, private and government retirement................... 1,768 1,502 1,981 1,868 1,633 Interest, dividends, rental income, other property income................... 818 635 796 535 1,369 Unemployment and workers'' compensation, veterans'' benefits..................... 293 425 205 199 405 Public assistance, supplemental security, income, food stamps..................... 320 341 351 228 403 Regular contributions for support........ 201 276 173 188 189 Other income............................. 228 165 104 243 367 Personal taxes............................. 5,405 6,442 5,444 4,215 6,236 Federal income taxes..................... 4,193 4,932 4,046 3,445 4,805 State and local income taxes............. 998 1,185 1,189 585 1,255 Other taxes.............................. 214 325 208 185 176 Income after taxes......................... 53,858 59,585 52,439 48,916 57,677 Net change in total assets and liabilities... -2,025 -479 -621 -1,076 -6,266 Net change in total assets............... 5,713 7,402 4,532 3,430 8,988 Net change in total liabilities.......... 7,737 7,881 5,154 4,506 15,254 Other financial information: Other money receipts..................... 671 785 530 747 601 Mortgage principal paid on owned property................................ -1,991 -2,107 -2,003 -1,760 -2,233 Estimated market value of owned home..... 107,802 123,531 101,841 85,547 134,676 Estimated monthly rental value of owned home.................................... 732 840 709 625 830 Gifts of goods and services................. 1,769 2,426 1,822 1,381 1,742 Food..................................... 208 338 194 145 209 Housing.................................. 453 575 461 370 468 Housekeeping supplies.................. 47 47 53 43 48 Household textiles..................... 23 17 19 18 39 Appliances and miscellaneous housewares........................... 43 39 56 42 33 Major appliances..................... 12 11 17 13 4 Small appliances and miscellaneous housewares......................... 31 28 39 29 29 Miscellaneous household equipment...... 86 110 77 67 101 Other housing.......................... 255 362 255 200 247 Apparel and services..................... 279 340 278 270 240 Males, 2 and over...................... 77 98 87 62 69 Females, 2 and over.................... 111 157 97 116 74 Children under 2....................... 32 18 34 40 30 Other apparel products and services.... 61 67 61 52 67 Jewelry and watches.................. 26 25 28 18 40 All other apparel products and services............................ 34 42 33 35 27 Transportation........................... 70 79 60 81 56 Health care.............................. 47 28 43 54 58 Entertainment............................ 114 142 133 85 114 Toys, games, hobbies, and tricycles.... 38 43 48 33 33 Other entertainment.................... 76 98 86 52 81 Education................................ 446 749 521 264 388 All other gifts.......................... 151 176 132 112 209 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. n.a. Not applicable.