The average household size was 2.09 and the average family size was 2.84. In the city, the population was spread out with 21.3% under the age of 18, 8.6% from 18 to 24, 28.2% from 25 to 44, 27.1% from 45 to 64, and 14.9% who were 65 years of age or older. The median age was 40 years. For every 100 females, there were 84.2 males. For every 100 females age 18 and over, there were 82.0 males. The median income for a household in the city was $37,513, and the median income for a family was $51,818. Males had a median income of $35,957 versus $29,442 for females. The per capita income for the city was $22,599. About 7.2% of families and 9.8% of the population were below the poverty line, including 12.9% of those under age 18 and 5.7% of those age 65 or over. Government, higher education, insurance and tourism are principal businesses. Since the city's establishment as capital in 1805, the primary business in Montpelier has been government, and by the mid-19th century government and life and fire insurance. Companies based in Montpelier include the National Life Group. Located in Montpelier are the New England Culinary Institute, the annual Green Mountain Film Festival and the headquarters of several insurance companies. The majority of businesses in the downtown area, mostly retail, are locally owned. Montpelier is the only state capital in the United States of America that does not have a McDonald's. However, there is a McDonald's location in nearby Berlin, Vermont. The Vermont History Museum, operated in The Pavilion by the Vermont Historical Society, is an attraction. The Vermont Mountaineers of the New England Collegiate Baseball League play at the Montpelier Recreation Field. The city has three city nature centers. Hubbard Park rises behind the state capitol building and extends along the ridge line towards the north past the pool to the stump dump. Accessible from Cummings Street off State Route 12, the North Branch River Park is the second-largest park in the city. The Mill Pond Park is located along State Route 12 approximately a from the cemetery and features boat access to the North Branch river, as well as benches and short-term parking. The North Branch Nature Center is located at the northern end of town and includes of protected land as well as a community nature center.