The racial makeup of the city was 97.63% White, 0.33% African American, 0.63% Native American, 0.55% Asian, 0.02% Pacific Islander, 0.23% from other races, and 0.60% from two or more races. Hispanic or Latino of any race were 0.63% of the population. There were 3,842 households of which 29.1% had children under the age of 18 living with them, 48.5% were married couples living together, 11.0% had a female householder with no husband present, and 37.5% were non-families. 29.3% of all households were made up of individuals and 12.2% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.86.  22.4% of the population were under the age of 18, 7.6% from 18 to 24, 30.4% from 25 to 44, 23.0% from 45 to 64, and 16.7% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 91.2 males. For every 100 females age 18 and over, there were 86.1 males. The median household income was $36,949 and the median family income was $46,632. Males had a median income of $35,016 compared with $26,850 for females. The per capita income for the city was $20,158. About 8.6% of families and 10.5% of the population were below the poverty line, including 13.3% of those under age 18 and 9.2% of those age 65 or over.