were non-families. 26.3% of all households were made up of individuals, and 12.5% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.73. In the city, the population was distributed with 20.1% under the age of 18, 6.3% from 18 to 24, 24.0% from 25 to 44, 24.7% from 45 to 64, and 24.8% who were 65 years of age or older. The median age was 45 years. For every 100 females, there were 89.9 males. For every 100 females age 18 and over, there were 85.5 males. The median income for a household in the city was $39,290, and the median income for a family was $48,216. Males had a median income of $36,240 versus $26,571 for females. The per capita income for the city was $21,099. About 6.3% of families and 7.8% of the population were below the poverty line, including 15.0% of those under age 18 and 4.5% of those age 65 or over. The income per capita is $24,952, which includes all adults and children. The median household income is $45,980. The median home value in town is $227,510. Home appreciation was –21.40% during 2009. Renters made up 23.21% of the population. 8.33% of houses and apartments were unoccupied (vacancy rate). Education Local schools include Minneola Elementary School, South Lake Charter Elementary (also known as Imagine Schools at South Lake), Cypress Ridge Elementary School, Lost Lake Elementary, Clermont Elementary School, Clermont Middle School, Windy Hill Middle School, East Ridge Middle School, Lake Minneola High School, East Ridge High School, South Lake High School, Sawgrass Bay Elementary, Pine Ridge Elementary, Real life Christian Academy, Grassy Lake Elementary and Pinecrest Lakes Academy. Lake-Sumter State College and the University of Central Florida have a joint-use campus in Clermont. A salesman wondered into town in 1904 and spoke promises of donating books to start a library if the town helped him sell his Chautauqua lectures to the folks. Many town members with money to spare put forth what they could, excited at the prospective to having a library open. However, come time for the lectures and only a few of the speakers showed- no salesman or books present. Not all money was handed over; the cost for the last lecture was still available, and with that amount they began to organize their own library. This