The major demographic differences between the city and the micropolitan area relate to income, housing composition and age. The micropolitan area, as compared to the incorporated city, is more suburban in flavor and has a significantly younger housing stock, a higher income, and contains most of the area's school age population. Over the last 20 years, significant housing growth has occurred along the Fishing Creek tributary of Lake Cumberland, which lies just to the west of the City of Somerset, and along the main body of Lake Cumberland between the City of Burnside and Fishing Creek. Much of the Somerset area housing growth in the last 20 years is decidedly lake-oriented.