living together, 12.4% had a female householder with no husband present, and 30.9% were non-families. 26.2% of all households were made up of individuals, and 8.6% had someone living alone who was 65 years of age or older. The average household size was 2.71 and the average family size was 3.26. In the city, the population was spread out, with 26.2% under the age of 18, 13.5% from 18 to 24, 29.4% from 25 to 44, 16.3% from 45 to 64, and 14.6% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 97.3 males. For every 100 females age 18 and over, there were 90.1 males. The median income for a household in the city was $29,299, and the median income for a family was $33,011. Males had a median income of $25,409 versus $21,823 for females. The per capita income for the city was $14,059. About 20.0% of families and 26.4% of the population were below the poverty line, including 32.5% of those under age 18 and 33.8% of those age 65 or over. Just over sixty percent of Baldwin's population is a high school graduate or higher. Twelve and half percent have a bachelor's degree or higher. 21.3% of Baldwin's workforce are in management, professional and related occupations, 15.7% are in service occupations, 19.2% are in sales and office occupations, 1.5% are in agricultural occupations, 12.1% are in construction, extraction and maintenance occupations, and 30.2% are in production, transportation and material moving occupations. Baldwin has a cost of living index of 82.9 against a U.S. average of 100.0. Crime rates in Baldwin have decreased 53% since 2003, with zero violent crimes in 2009 (the latest reported figures). Baldwin's crime index for 2009 was 77.0 against the U.S. average of 319.1. (A higher number equates to more crimes committed.) History Baldwin was incorporated by an act of the Georgia General Assembly on December 17, 1896. The city was named in honor of Joseph A. Baldwin, a railroad official. Nearby institutions The closest hospital is Habersham County Medical Center in Demorest. Stephens County Hospital is to the northeast in Toccoa, and Northeast Georgia Medical Center is to the southwest in Gainesville. Colleges and universities in the region include: University of Georgia (Athens, GA), 41 miles to the south University of North Georgia (Gainesville, 28 miles southwest, & Dahlonega, 32