Table 3840. Consumer units with reference person age 55 to 64 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Item Total Northeast Midwest South West 55-64 Number of consumer units (in thousands)...... 13,238 2,600 3,124 4,751 2,763 Income before taxes a/ ...................... $46,870 $56,932 $43,734 $43,770 $46,247 Income after taxes a/ ....................... 43,041 51,542 39,517 40,962 42,523 Age of the reference person.................. 59.2 59.1 59.4 59.3 59.2 Average number in consumer unit: Persons..................................... 2.2 2.4 2.0 2.1 2.2 Children under 18........................... .2 .2 .1 .2 .2 Persons 65 and over......................... .1 .1 .1 .1 .1 Earners..................................... 1.3 1.5 1.3 1.2 1.4 Vehicles.................................... 2.2 2.0 2.4 2.1 2.5 Percent distribution: Male........................................ 59 63 59 58 59 Female...................................... 41 37 41 42 41 Homeowner................................... 79 73 82 81 77 With mortgage.............................. 39 35 37 37 49 Without mortgage........................... 40 38 45 44 29 Renter...................................... 21 27 18 19 23 Black....................................... 11 10 8 16 6 White and other............................. 89 90 92 84 94 Elementary (1-8)............................ 8 9 4 11 7 High school (9-12).......................... 44 46 51 44 32 College..................................... 48 44 46 44 60 Never attended and other.................... b/ c/ c/ b/ 1 At least one vehicle owned or leased........ 90 86 92 90 91 Average annual expenditures.................. $38,389 $43,405 $36,390 $33,440 $44,467 Food........................................ 4,980 5,828 4,718 4,300 5,665 Food at home............................. 2,876 3,144 2,743 2,556 3,362 Cereals and bakery products............ 422 454 424 380 464 Cereals and cereal products.......... 131 137 126 113 162 Bakery products...................... 292 317 297 267 302 Meats, poultry, fish, and eggs......... 765 946 661 675 874 Beef................................. 231 300 203 196 256 Pork................................. 167 172 160 169 167 Other meats.......................... 92 106 96 71 111 Poultry.............................. 135 169 105 123 162 Fish and seafood..................... 104 156 73 80 134 Eggs................................. 36 43 24 35 44 Dairy products......................... 302 328 287 273 348 Fresh milk and cream................. 111 118 102 104 128 Other dairy products................. 191 210 185 168 220 Fruits and vegetables.................. 519 593 463 457 628 Fresh fruits......................... 165 187 146 135 224 Fresh vegetables..................... 164 199 145 143 193 Processed fruits..................... 106 124 95 93 127 Processed vegetables................. 82 83 76 86 84 Other food at home..................... 869 822 909 771 1,048 Sugar and other sweets............... 115 118 130 90 139 Fats and oils........................ 83 88 74 79 97 Miscellaneous foods.................. 376 330 407 332 470 Nonalcoholic beverages............... 232 224 236 219 260 Food prepared by consumer unit on out-of-town trips................... 62 61 63 51 83 Food away from home.................... 2,104 2,685 1,975 1,744 2,303 Alcoholic beverages......................... 322 428 304 274 319 Housing..................................... 12,002 13,898 11,083 10,136 14,495 Shelter.................................. 6,493 8,029 5,902 4,925 8,413 Owned dwellings........................ 4,657 5,600 4,229 3,620 6,040 Mortgage interest and charges........ 2,290 2,272 1,943 1,746 3,635 Property taxes....................... 1,315 2,177 1,356 920 1,139 Maintenance, repairs, insurance,other expenses............................ 1,052 1,151 930 954 1,265 Rented dwellings....................... 1,210 1,725 934 889 1,590 Other lodging.......................... 625 704 739 416 783 Utilities, fuels, and public services.... 2,606 2,843 2,478 2,641 2,467 Natural gas............................ 323 433 440 195 309 Electricity............................ 1,004 1,002 877 1,198 816 Fuel oil and other fuels............... 96 223 85 63 47 Telephone services..................... 853 913 783 856 869 Water and other public services........ 330 273 292 329 427 Household operations..................... 455 443 306 470 612 Personal services...................... 60 64 35 102 d/ 9 Other household expenses............... 396 379 270 368 603 Housekeeping supplies.................... 660 596 590 773 614 Laundry and cleaning supplies.......... 126 131 132 103 154 Other household products............... 382 297 304 548 270 Postage and stationery................. 152 169 154 122 191 Household furnishings and equipment...... 1,787 1,987 1,808 1,328 2,389 Household textiles..................... 124 136 128 81 188 Furniture.............................. 403 496 400 308 481 Floor coverings........................ 75 67 72 52 128 Major appliances....................... 195 257 192 130 250 Small appliances, miscellaneous housewares............................ 123 166 133 77 147 Miscellaneous household equipment...... 867 865 882 681 1,195 Apparel and services........................ 1,612 1,985 1,459 1,320 1,954 Men and boys............................. 373 484 366 262 468 Men, 16 and over....................... 330 430 328 226 420 Boys, 2 to 15.......................... 42 54 38 36 49 Women and girls.......................... 628 713 572 528 800 Women, 16 and over..................... 580 663 506 487 765 Girls, 2 to 15......................... 48 50 66 41 35 Children under 2......................... 41 46 25 42 57 Footwear................................. 276 326 296 232 275 Other apparel products and services...... 295 415 201 256 354 Transportation.............................. 7,219 7,968 7,028 6,390 8,142 Vehicle purchases (net outlay)........... 3,246 3,700 3,289 2,965 3,252 Cars and trucks, new................... 1,882 2,615 1,926 1,576 1,670 Cars and trucks, used.................. 1,349 1,080 1,362 1,374 1,545 Other vehicles......................... 14 d/ 5 d/ 2 d/ 15 d/ 37 Gasoline and motor oil................... 1,085 999 1,055 1,062 1,241 Other vehicle expenses................... 2,355 2,639 2,203 1,959 2,928 Vehicle finance charges................ 303 269 306 302 331 Maintenance and repairs................ 710 766 666 638 825 Vehicle insurance...................... 806 974 748 678 935 Vehicle rental, leases, licenses, other charges.............................. 536 630 483 342 838 Public transportation.................... 533 631 481 404 721 Health care................................. 2,309 2,046 2,292 2,401 2,419 Health insurance......................... 1,028 913 1,002 1,049 1,131 Medical services......................... 698 643 650 730 749 Drugs.................................... 464 388 504 512 408 Medical supplies......................... 118 101 136 110 131 Entertainment............................... 2,077 2,151 2,164 1,746 2,474 Fees and admissions...................... 509 528 466 450 642 Television, radios, sound equipment...... 594 730 512 554 630 Pets, toys, and playground equipment..... 353 356 334 306 462 Other entertainment supplies, equipment,and services.................. 621 536 852 436 740 Personal care products and services......... 431 477 442 377 469 Reading..................................... 190 230 192 150 218 Education................................... 473 1,042 366 197 534 Tobacco products and smoking supplies....... 332 397 384 320 230 Miscellaneous............................... 1,091 1,052 994 880 1,583 Cash contributions.......................... 1,508 1,410 1,340 1,562 1,697 Personal insurance and pensions............. 3,844 4,494 3,624 3,387 4,266 Life and other personal insurance........ 578 777 539 553 480 Pensions and Social Security............. 3,265 3,717 3,085 2,834 3,786 Sources of income and personal taxes: a/ Money income before taxes.................. 46,867 56,932 43,734 43,770 46,233 Wages and salaries....................... 33,250 40,478 32,847 30,749 31,485 Self-employment income................... 4,491 8,187 2,139 3,447 5,241 Social Security, private and government retirement................... 6,752 5,379 7,159 7,571 6,265 Interest, dividends, rental income, other property income................... 1,374 1,554 1,084 1,082 1,936 Unemployment and workers'' compensation, veterans'' benefits..................... 256 279 168 274 291 Public assistance, supplemental security, income, food stamps..................... 419 500 286 306 644 Regular contributions for support........ 136 96 d/ 22 220 151 Other income............................. 189 460 30 120 221 Personal taxes............................. 3,829 5,391 4,216 2,808 3,723 Federal income taxes..................... 2,923 4,106 3,165 2,166 2,864 State and local income taxes............. 670 903 894 416 651 Other taxes.............................. 236 383 157 225 208 Income after taxes......................... 43,041 51,542 39,517 40,962 42,523 Net change in total assets and liabilities... -157 -3,009 -1,443 3,107 -1,631 Net change in total assets............... 6,158 3,003 4,522 6,212 10,882 Net change in total liabilities.......... 6,314 6,012 5,965 3,104 12,513 Other financial information: Other money receipts..................... 977 1,404 948 874 784 Mortgage principal paid on owned property................................ -2,278 -1,719 -1,154 -1,749 -4,986 Estimated market value of owned home..... 116,615 123,657 98,219 98,359 162,178 Estimated monthly rental value of owned home.................................... 746 814 659 659 929 Gifts of goods and services................. 1,457 1,756 1,423 1,079 1,879 Food..................................... 132 131 141 88 200 Housing.................................. 381 484 343 288 491 Housekeeping supplies.................. 48 46 53 33 71 Household textiles..................... 30 48 28 22 30 Appliances and miscellaneous housewares........................... 53 105 49 25 53 Major appliances..................... 11 23 10 d/ 3 11 Small appliances and miscellaneous housewares......................... 43 82 39 22 43 Miscellaneous household equipment...... 103 106 98 72 164 Other housing.......................... 147 179 115 135 172 Apparel and services..................... 288 340 264 222 388 Males, 2 and over...................... 87 99 101 56 115 Females, 2 and over.................... 103 146 87 81 124 Children under 2....................... 33 27 20 36 51 Other apparel products and services.... 64 69 56 49 98 Jewelry and watches.................. 23 34 13 21 29 All other apparel products and services............................ 41 35 43 28 70 Transportation........................... 82 69 69 86 102 Health care.............................. 34 24 30 23 69 Entertainment............................ 150 160 138 144 166 Toys, games, hobbies, and tricycles.... 54 66 63 47 47 Other entertainment.................... 95 95 75 97 120 Education................................ 224 433 236 53 307 All other gifts.......................... 166 115 202 177 156 a Components of income and taxes are derived from "complete income reporters" only; see glossary. b Value less than 0.5. c No data reported. d Data are likely to have large sampling errors. n.a. Not applicable.