Of the 19,677 households, 28.7% had children under the age of 18 living with them, 43.2% were married couples living together, 10.0% had a female householder with no husband present, and 43.8% were non-families. 31.4% of all households were made up of individuals, and 8.5% had someone living alone who was 65 years of age or older. The average household size was 2.3 and the average family size was 3.0. The median income for a household in the city was $34,194, and the median income for a family was $47,491. Males had a median income of $30,703 versus $21,573 for females. The per capita income for the city was $18,395. About 9.3% of families and 14.6% of the population were below the poverty line, including 14.6% of those under age 18 and 7.7% of those age 65 or over.