Table 3860. Consumer units with reference person age 65 to 74 by region of residence: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1998-1999 Item Total Northeast Midwest South West 65-74 Number of consumer units (in thousands)...... 11,726 2,440 2,828 4,227 2,231 Income before taxes a/ ...................... $27,944 $28,207 $25,883 $27,276 $31,231 Income after taxes a/ ....................... 26,572 27,110 24,564 26,261 28,886 Age of the reference person.................. 69.3 69.5 69.5 69.3 69.1 Average number in consumer unit: Persons..................................... 1.9 1.9 1.8 1.9 2.0 Children under 18........................... .1 .1 .1 .1 .1 Persons 65 and over......................... 1.4 1.4 1.4 1.4 1.4 Earners..................................... .6 .6 .6 .6 .6 Vehicles.................................... 1.8 1.5 2.0 1.8 2.1 Percent distribution: Male........................................ 55 54 58 55 55 Female...................................... 45 46 42 45 45 Homeowner................................... 83 78 85 84 82 With mortgage.............................. 21 18 17 23 28 Without mortgage........................... 61 60 68 61 55 Renter...................................... 17 22 15 16 18 Black....................................... 10 9 8 16 4 White and other............................. 90 91 92 84 96 Elementary (1-8)............................ 13 10 11 17 11 High school (9-12).......................... 47 50 56 44 37 College..................................... 40 39 33 38 53 Never attended and other.................... b/ b/ b/ 1 b/ At least one vehicle owned or leased........ 87 82 88 87 90 Average annual expenditures.................. $28,801 $30,717 $28,687 $26,443 $31,218 Food........................................ 4,003 4,472 4,019 3,540 4,284 Food at home............................. 2,507 2,701 2,435 2,280 2,774 Cereals and bakery products............ 389 427 399 353 397 Cereals and cereal products.......... 124 126 127 121 123 Bakery products...................... 265 301 271 233 274 Meats, poultry, fish, and eggs......... 658 728 628 617 688 Beef................................. 193 203 213 168 198 Pork................................. 143 141 147 155 118 Other meats.......................... 87 118 84 69 89 Poultry.............................. 106 122 86 108 111 Fish and seafood..................... 99 114 75 86 137 Eggs................................. 30 30 22 32 36 Dairy products......................... 273 328 251 251 281 Fresh milk and cream................. 106 119 97 104 106 Other dairy products................. 167 210 153 147 175 Fruits and vegetables.................. 471 510 454 408 555 Fresh fruits......................... 155 181 152 128 179 Fresh vegetables..................... 144 142 134 129 184 Processed fruits..................... 96 114 89 77 117 Processed vegetables................. 76 74 79 75 75 Other food at home..................... 716 708 704 650 851 Sugar and other sweets............... 103 109 108 92 109 Fats and oils........................ 77 77 73 73 87 Miscellaneous foods.................. 310 295 294 281 393 Nonalcoholic beverages............... 179 177 179 174 190 Food prepared by consumer unit on out-of-town trips................... 47 50 50 30 72 Food away from home.................... 1,497 1,772 1,584 1,260 1,511 Alcoholic beverages......................... 226 275 166 175 333 Housing..................................... 9,286 10,663 8,581 8,349 10,452 Shelter.................................. 4,758 6,085 4,326 3,778 5,711 Owned dwellings........................ 3,349 4,172 3,213 2,613 4,017 Mortgage interest and charges........ 968 890 747 921 1,420 Property taxes....................... 1,211 2,074 1,302 774 978 Maintenance, repairs, insurance,other expenses............................ 1,171 1,208 1,164 917 1,619 Rented dwellings....................... 908 1,301 708 731 1,069 Other lodging.......................... 501 612 405 435 625 Utilities, fuels, and public services.... 2,370 2,469 2,309 2,418 2,248 Natural gas............................ 290 387 379 177 285 Electricity............................ 956 845 882 1,154 795 Fuel oil and other fuels............... 116 280 97 67 52 Telephone services..................... 695 713 668 700 697 Water and other public services........ 314 244 283 321 419 Household operations..................... 422 382 263 499 528 Personal services...................... 65 c/ 90 c/ 12 88 c/ 62 Other household expenses............... 357 292 251 411 466 Housekeeping supplies.................... 457 456 495 413 482 Laundry and cleaning supplies.......... 112 114 120 94 129 Other household products............... 207 197 216 190 233 Postage and stationery................. 138 146 159 129 119 Household furnishings and equipment...... 1,279 1,271 1,188 1,240 1,483 Household textiles..................... 134 153 131 130 129 Furniture.............................. 269 234 251 223 419 Floor coverings........................ 58 87 56 61 23 Major appliances....................... 168 179 149 181 159 Small appliances, miscellaneous housewares............................ 110 75 87 165 81 Miscellaneous household equipment...... 540 541 514 481 671 Apparel and services........................ 1,134 1,315 1,106 1,053 1,116 Men and boys............................. 264 311 302 199 278 Men, 16 and over....................... 231 268 275 164 250 Boys, 2 to 15.......................... 33 43 27 35 29 Women and girls.......................... 477 591 467 441 429 Women, 16 and over..................... 441 573 429 395 395 Girls, 2 to 15......................... 36 17 39 45 34 Children under 2......................... 24 26 c/ 9 31 c/ 27 Footwear................................. 195 231 175 200 177 Other apparel products and services...... 174 156 153 182 205 Transportation.............................. 5,211 4,900 5,517 4,968 5,624 Vehicle purchases (net outlay)........... 2,225 1,879 2,700 2,283 1,891 Cars and trucks, new................... 1,291 1,158 1,848 1,207 890 Cars and trucks, used.................. 879 657 833 973 1,001 Other vehicles......................... c/ 55 c/ 64 c/ 18 c/ 103 d/ Gasoline and motor oil................... 801 703 801 814 886 Other vehicle expenses................... 1,678 1,755 1,561 1,521 2,037 Vehicle finance charges................ 157 121 162 172 162 Maintenance and repairs................ 563 572 449 539 741 Vehicle insurance...................... 638 694 610 588 707 Vehicle rental, leases, licenses, other charges.............................. 320 368 339 222 426 Public transportation.................... 507 564 455 351 810 Health care................................. 2,962 2,734 3,084 3,048 2,891 Health insurance......................... 1,561 1,469 1,645 1,588 1,502 Medical services......................... 583 530 567 576 674 Drugs.................................... 680 591 720 769 556 Medical supplies......................... 139 145 151 115 159 Entertainment............................... 1,467 1,347 1,808 1,297 1,493 Fees and admissions...................... 389 430 338 343 495 Television, radios, sound equipment...... 456 496 422 428 509 Pets, toys, and playground equipment..... 251 291 207 254 264 Other entertainment supplies, equipment,and services.................. 372 130 842 273 225 Personal care products and services......... 354 385 387 279 405 Reading..................................... 182 217 195 138 211 Education................................... 157 134 135 179 167 Tobacco products and smoking supplies....... 205 220 179 201 227 Miscellaneous............................... 797 898 868 676 822 Cash contributions.......................... 1,573 1,964 1,513 1,274 1,789 Personal insurance and pensions............. 1,244 1,193 1,128 1,265 1,405 Life and other personal insurance........ 404 309 369 507 358 Pensions and Social Security............. 840 884 759 759 1,047 Sources of income and personal taxes: a/ Money income before taxes.................. 27,944 28,207 25,883 27,276 31,231 Wages and salaries....................... 7,844 9,036 7,541 6,634 9,098 Self-employment income................... 1,214 802 1,169 1,789 677 Social Security, private and government retirement................... 16,436 16,155 15,407 16,592 17,641 Interest, dividends, rental income, other property income................... 1,822 1,786 1,391 1,778 2,437 Unemployment and workers'' compensation, veterans'' benefits..................... 93 c/ 94 70 104 101 Public assistance, supplemental security, income, food stamps..................... 257 298 162 223 386 Regular contributions for support........ 65 c/ 9 c/ 75 72 c/ 99 Other income............................. 212 c/ 28 c/ 68 84 793 Personal taxes............................. 1,373 1,097 1,318 1,015 2,345 Federal income taxes..................... 921 583 875 710 1,692 State and local income taxes............. 189 135 218 73 415 Other taxes.............................. 262 379 226 232 237 Income after taxes......................... 26,572 27,110 24,564 26,261 28,886 Net change in total assets and liabilities... 1,065 7,773 -723 -860 -360 Net change in total assets............... 2,663 7,371 1,831 476 2,710 Net change in total liabilities.......... 1,598 -402 2,554 1,336 3,070 Other financial information: Other money receipts..................... 573 331 1,185 109 938 Mortgage principal paid on owned property................................ -673 -627 -679 -611 -834 Estimated market value of owned home..... 100,498 119,445 83,439 77,065 145,788 Estimated monthly rental value of owned home.................................... 678 801 589 583 838 Gifts of goods and services................. 975 1,043 910 898 1,126 Food..................................... 47 75 40 37 42 Housing.................................. 276 283 307 253 268 Housekeeping supplies.................. 33 32 46 22 37 Household textiles..................... 30 29 37 28 23 Appliances and miscellaneous housewares........................... 38 39 50 31 33 Major appliances..................... 7 c/ 5 c/ 14 c/ 2 10 Small appliances and miscellaneous housewares......................... 31 34 36 29 23 Miscellaneous household equipment...... 70 66 96 59 57 Other housing.......................... 106 117 78 113 118 Apparel and services..................... 219 252 199 236 180 Males, 2 and over...................... 70 101 69 64 47 Females, 2 and over.................... 70 76 75 67 62 Children under 2....................... 21 25 8 27 22 Other apparel products and services.... 59 50 47 77 49 Jewelry and watches.................. 32 17 11 55 30 All other apparel products and services............................ 27 c/ 33 36 c/ 22 c/ 19 Transportation........................... 73 54 91 44 124 Health care.............................. 39 42 c/ 44 37 33 Entertainment............................ 94 108 86 86 108 Toys, games, hobbies, and tricycles.... 42 55 39 35 44 Other entertainment.................... 53 53 47 51 65 Education................................ 82 c/ 78 c/ 44 121 60 All other gifts.......................... 145 151 99 85 310 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.