River Bluff, Kentucky

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Population in 2017: 433 (100% urban, 0% rural).
Population change since 2000: +7.7%
 
Males: 233  (54.0%)
Females: 200  (46.0%)
Median resident age:

42.9 years
Kentucky median age:

38.9 years

Zip codes: 40059.

Estimated median household income in 2017: $110,463 (it was $93,074 in 2000)
River Bluff:

$110,463
KY:

$48,375

Estimated per capita income in 2017: $40,599 (it was $30,149 in 2000)

River Bluff city income, earnings, and wages data

Estimated median house or condo value in 2017: $312,180 (it was $182,100 in 2000)
River Bluff:

$312,180
KY:

$141,000

Mean prices in 2017: all housing units: $327,836; detached houses: $323,508

Median gross rent in 2017: $1,822.

March 2019 cost of living index in River Bluff: 93.7 (less than average, U.S. average is 100)
Percentage of residents living in poverty in 2017: 1.9%
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  • Races in River Bluff, KY (2017)
    • 41886.0%White alone
    • 306.2%Hispanic
    • 173.5%Black alone
    • 71.4%Two or more races
    • 51.0%Other race alone
    • 30.6%American Indian alone
    • 30.6%Asian alone

Races in River Bluff detailed stats: ancestries, foreign born residents, place of birth

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Latest news from River Bluff, KY collected exclusively by city-data.com from local newspapers, TV, and radio stations

Ancestries: German (22.0%), American (16.3%), English (7.9%), Irish (7.5%), Scotch-Irish (7.5%), European (3.5%).

Current Local Time: EST time zone

Incorporated on 05/13/1980

Elevation: 648 feet

Land area: 0.20 square miles.

Population density: 2,160 people per square mile   (low).

River Bluff, Kentucky map

13 residents are foreign born (1.6% Asia, 1.2% Latin America, 0.8% Europe).

This city:

2.6%
Kentucky:

3.6%

Median real estate property taxes paid for housing units with mortgages in 2017: $2,967 (1.0%)
Median real estate property taxes paid for housing units with no mortgage in 2017: $2,832 (0.8%)

Nearest city with pop. 50,000+: Louisville, KY (12.7 miles , pop. 256,231).

Nearest city with pop. 1,000,000+: Chicago, IL (264.0 miles , pop. 2,896,016).

Nearest cities:

Prospect, KY (1.4 miles ),
Goshen, KY (1.5 miles ),
Green Spring, KY (1.9 miles ),
Utica, IN (2.0 miles ),
Brownsboro Farm, KY (2.1 miles ),
Barbourmeade, KY (2.2 miles ),
Hills and Dales, KY (2.2 miles),
Manor Creek, KY (2.2 miles )

Latitude: 38.37 N, Longitude: 85.60 W

Distribution of median household income in River Bluff, KY in 2017
Distribution of house value in River Bluff, KY in 2017
River Bluff satellite photo by USGS
Unemployment in March 2019:
Here:

3.5%
Kentucky:

4.5%
Most common industries in River Bluff, KY (%)
Both Males Females
Most common industries in 2000
  • Professional, scientific, technical services (13.6%)
  • Educational services (9.5%)
  • Construction (8.6%)
  • Health care (8.6%)
  • Public administration (6.8%)
  • Finance & insurance (6.3%)
  • Accommodation & food services (5.0%)
Most common industries for males in 2000
  • Professional, scientific, technical services (16.4%)
  • Construction (10.4%)
  • Finance & insurance (7.5%)
  • Public administration (6.7%)
  • Building material & garden equipment & supplies dealers (6.0%)
  • Accommodation & food services (5.2%)
  • Miscellaneous manufacturing (3.7%)
Most common industries for females in 2000
  • Educational services (21.8%)
  • Health care (17.2%)
  • Professional, scientific, technical services (9.2%)
  • Clothing & accessories, including shoe, stores (8.0%)
  • Public administration (6.9%)
  • Construction (5.7%)
  • Finance & insurance (4.6%)
Most common occupations in River Bluff, KY (%)
Both Males Females
Most common occupations in 2000
  • Preschool, kindergarten, elementary, and middle school teachers (6.3%)
  • Top executives (5.4%)
  • Engineers (4.5%)
  • Other management occupations, except farmers and farm managers (4.1%)
  • Retail sales workers, except cashiers (3.6%)
  • Supervisors, construction and extraction workers (3.6%)
  • Sales representatives, services, wholesale and manufacturing (3.6%)
Most common occupations for males in 2000
  • Engineers (7.5%)
  • Top executives (6.7%)
  • Sales representatives, services, wholesale and manufacturing (6.0%)
  • Supervisors, construction and extraction workers (6.0%)
  • Other management occupations, except farmers and farm managers (5.2%)
  • Lawyers (5.2%)
  • Retail sales workers, except cashiers (4.5%)
Most common occupations for females in 2000
  • Preschool, kindergarten, elementary, and middle school teachers (13.8%)
  • Secretaries and administrative assistants (8.0%)
  • Registered nurses (6.9%)
  • Financial managers (5.7%)
  • Other sales and related occupations, including supervisors (5.7%)
  • Other teachers, instructors, education, training, and library occupations (4.6%)
  • Health technologists and technicians (4.6%)

Average climate in River Bluff, Kentucky

Based on data reported by over 4,000 weather stations

River Bluff, Kentucky average temperatures River Bluff, Kentucky average precipitation River Bluff, Kentucky humidity River Bluff, Kentucky wind speed River Bluff, Kentucky snowfall River Bluff, Kentucky sunshine River Bluff, Kentucky clear and cloudy days
Air pollution and air quality trends
(lower is better)
AQI CO NO2 SO2 Ozone PM10 PM2.5
Air Quality Index

Air Quality Index (AQI) level in 2018 was 86.1. This is about average.

City:

86.1
U.S.:

74.2
Carbon Monoxide Level

Carbon Monoxide (CO) [ppm] level in 2018 was 0.258. This is about average. Closest monitor was 10.2 miles away from the city center.

City:

0.258
U.S.:

0.267
Nitrogen Dioxide Level

Nitrogen Dioxide (NO2) [ppb] level in 2018 was 11.1. This is significantly worse than average. Closest monitor was 4.6 miles away from the city center.

City:

11.1
U.S.:

5.6
Sulfur Dioxide Level

Sulfur Dioxide (SO2) [ppb] level in 2018 was 0.724. This is significantly better than average. Closest monitor was 4.6 miles away from the city center.

City:

0.724
U.S.:

1.789
Ozone Level

Ozone [ppb] level in 2018 was 26.9. This is better than average. Closest monitor was 3.8 miles away from the city center.

City:

26.9
U.S.:

33.3
Particulate Matter Level

Particulate Matter (PM10) [µg/m3] level in 2018 was 17.1. This is about average. Closest monitor was 4.9 miles away from the city center.

City:

17.1
U.S.:

19.6
Particulate Matter Level

Particulate Matter (PM2.5) [µg/m3] level in 2018 was 9.27. This is about average. Closest monitor was 3.8 miles away from the city center.

City:

9.27
U.S.:

8.46

Tornado activity:

River Bluff-area historical tornado activity is slightly above Kentucky state average. It is 70% greater than the overall U.S. average.

On 4/3/1974, a category F5 (max. wind speeds 261-318 mph) tornado 18.8 miles away from the River Bluff city center killed 6 people and injured 86 people and caused between $50,000,000 and $500,000,000 in damages.

On 4/3/1974, a category F4 (max. wind speeds 207-260 mph) tornado 6.6 miles away from the city center killed 3 people and injured 225 people.

Earthquake activity:

River Bluff-area historical earthquake activity is near Kentucky state average. It is 77% smaller than the overall U.S. average.

On 4/18/2008 at 09:36:59, a magnitude 5.4 (5.1 MB, 4.8 MS, 5.4 MW, 5.2 MW, Depth: 8.9 mi, Class: Moderate, Intensity: VI - VII) earthquake occurred 124.0 miles away from the city center
On 7/27/1980 at 18:52:21, a magnitude 5.2 (5.1 MB, 4.7 MS, 5.0 UK, 5.2 UK) earthquake occurred 90.7 miles away from River Bluff center
On 6/10/1987 at 23:48:54, a magnitude 5.1 (4.9 MB, 4.4 MS, 4.6 MS, 5.1 LG) earthquake occurred 127.4 miles away from the city center
On 6/18/2002 at 17:37:15, a magnitude 5.0 (4.3 MB, 4.6 MW, 5.0 LG, Depth: 3.1 mi) earthquake occurred 121.4 miles away from the city center
On 4/18/2008 at 15:14:16, a magnitude 4.8 (4.5 MB, 4.8 MW, 4.6 MW, Depth: 6.2 mi, Class: Light, Intensity: IV - V) earthquake occurred 121.9 miles away from the city center
On 9/7/1988 at 02:28:09, a magnitude 4.6 (4.5 MB, 4.6 LG) earthquake occurred 94.9 miles away from the city center
Magnitude types: regional Lg-wave magnitude (LG), body-wave magnitude (MB), surface-wave magnitude (MS), moment magnitude (MW)

Natural disasters:

The number of natural disasters in Oldham County (11) is near the US average (13).
Major Disasters (Presidential) Declared: 9
Emergencies Declared: 2

Causes of natural disasters: Floods: 6, Storms: 6, Tornadoes: 3, Winter Storms: 2, Blizzard: 1, Hurricane: 1, Mudslide: 1, Tropical Depression: 1, Wind: 1 (Note: some incidents may be assigned to more than one category).
River Bluff topographic map

Hospitals and medical centers near River Bluff:

  • RIVERS EDGE NURSING AND REHABILITATION CENTER (Nursing Home, about 3 miles away; PROSPECT, KY)
  • LONGWORTH VILLA (Nursing Home, about 5 miles away; CHARLESTOWN, IN)
  • FMC OF NORTHEAST LOUISVILLE (Dialysis Facility, about 6 miles away; LOUISVILLE, KY)
  • KINDRED TRANSITIONAL CARE AND REHAB-NORTHFIELD (Nursing Home, about 7 miles away; LOUISVILLE, KY)
  • JEFFERSON MANOR (Nursing Home, about 7 miles away; LOUISVILLE, KY)
  • CHARTER BEHAVIORAL HLTH SYS JFFRSN INC (Hospital, about 7 miles away; JEFFERSONVILLE, IN)
  • WELLSTONE REGIONAL HOSPITAL (Hospital, about 7 miles away; JEFFERSONVILLE, IN)

Amtrak station near River Bluff:

  • 10 miles: LOUISVILLE/JEFFERSONVILLE (JEFFERSONVILLE, 500 WILLINGER LANE) . Services: enclosed waiting area, public payphones, snack bar, taxi stand, intercity bus service.

Colleges/universities with over 2000 students nearest to River Bluff:

  • The Southern Baptist Theological Seminary (about 10 miles; Louisville, KY; Full-time enrollment: 2,360)
  • Sullivan University (about 12 miles; Louisville, KY; FT enrollment: 5,129)
  • Jefferson Community and Technical College (about 12 miles; Louisville, KY; FT enrollment: 7,950)
  • Bellarmine University (about 12 miles; Louisville, KY; FT enrollment: 3,180)
  • Indiana University-Southeast (about 12 miles; New Albany, IN; FT enrollment: 5,050)
  • University of Louisville (about 14 miles; Louisville, KY; FT enrollment: 16,640)
  • Kentucky State University (about 43 miles; Frankfort, KY; FT enrollment: 2,112)

Points of interest:

Click to draw/clear city borders

Oldham County has a predicted average indoor radon screening level between 2 and 4 pCi/L (pico curies per liter) - Moderate Potential
Average household size:
This city:

2.7 people
Kentucky:

2.5 people

Percentage of family households:
This city:

79.9%
Whole state:

66.9%

Percentage of households with unmarried partners:
This city:

2.0%
Whole state:

6.4%


Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
  • Lesbian couples: 0.7% of all households
  • Gay men: 0.0% of all households

For population 15 years and over in River Bluff:

Marital status in River Bluff, KY
  • Never married: 19.5%
  • Now married: 67.0%
  • Separated: 1.5%
  • Widowed: 5.4%
  • Divorced: 6.6%

For population 25 years and over in River Bluff:

  • High school or higher: 99.4%
  • Bachelor's degree or higher: 49.5%
  • Graduate or professional degree: 15.9%
  • Unemployed: 1.8%
  • Mean travel time to work (commute): 26.1 minutes
Educational Attainment in 2017
School Enrollment by Level of School in 2017
Education Gini index (Inequality in education)
Here:

8.0
Kentucky average:

11.9

Presidential Elections Results

Graphs represent county-level data. Detailed 2008 Election Results

Religion statistics for River Bluff, KY (based on Oldham County data)

Religions Adherents in 2010
Religions Adherents - Change between 2000 and 2010
ReligionAdherentsCongregations
Evangelical Protestant12,26642
Catholic7,4642
Mainline Protestant6,82714
Other1,3155
None32,444-
Source: Clifford Grammich, Kirk Hadaway, Richard Houseal, Dale E.Jones, Alexei Krindatch, Richie Stanley and Richard H.Taylor. 2012. 2010 U.S.Religion Census: Religious Congregations & Membership Study. Association of Statisticians of American Religious Bodies. Jones, Dale E., et al. 2002. Congregations and Membership in the United States 2000. Nashville, TN: Glenmary Research Center. Graphs represent county-level data

Food Environment Statistics:

Number of grocery stores: 3
This county:

0.54 / 10,000 pop.
Kentucky:

2.19 / 10,000 pop.
Number of supercenters and club stores: 1
Here:

0.18 / 10,000 pop.
Kentucky:

0.25 / 10,000 pop.
Number of convenience stores (no gas): 4
Oldham County:

0.72 / 10,000 pop.
State:

0.74 / 10,000 pop.
Number of convenience stores (with gas): 17
This county:

3.05 / 10,000 pop.
State:

4.36 / 10,000 pop.
Number of full-service restaurants: 14
Oldham County:

2.51 / 10,000 pop.
Kentucky:

5.74 / 10,000 pop.
Adult diabetes rate:
Oldham County:

9.6%
State:

11.0%
Adult obesity rate:
Oldham County:

29.1%
Kentucky:

30.0%
Low-income preschool obesity rate:
Oldham County:

15.6%
Kentucky:

15.9%

Health and Nutrition:

Healthy diet rate:
River Bluff:

53.5%
State:

49.3%

Average overall health of teeth and gums:
Here:

55.4%
Kentucky:

46.1%

Average BMI:
Here:

28.1
Kentucky:

28.7

People feeling badly about themselves:
River Bluff:

15.2%
Kentucky:

21.4%

People not drinking alcohol at all:
River Bluff:

15.1%
Kentucky:

10.3%

Average hours sleeping at night:
This city:

6.7
Kentucky:

6.8

Overweight people:
This city:

37.7%
Kentucky:

34.0%

General health condition:
River Bluff:

58.3%
Kentucky:

56.1%

Average condition of hearing:
River Bluff:

85.6%
Kentucky:

78.6%

More about Health and Nutrition of River Bluff, KY Residents
Local government employment and payroll (March 2012)
Function Full-time employees Monthly full-time payroll Average yearly full-time wage Part-time employees Monthly part-time payroll
Other and Unallocable 0$0 0$0
Totals for Government 0$0 0$0

River Bluff government finances - Expenditure in 2012 (per resident):

  • Current Operations - Central Staff Services: $30,000 ($69.28)
    Solid Waste Management: $22,000 ($50.81)
    Regular Highways: $14,000 ($32.33)

River Bluff government finances - Revenue in 2012 (per resident):

  • Miscellaneous - Interest Earnings: $1,000 ($2.31)
  • State Intergovernmental - Highways: $9,000 ($20.79)
  • Tax - Insurance Premiums Sales: $89,000 ($205.54)
    Property: $48,000 ($110.85)
    Public Utilities Sales: $2,000 ($4.62)

8.88% of this county's 2016 resident taxpayers lived in other counties in 2015 ($89,536 average adjusted gross income)

Here:

8.88%
Kentucky average:

6.45%

10 or fewer of this county's residents moved from foreign countries between 2015 and 2016.

Top counties from which taxpayers relocated into this county between 2015 and 2016:
from Jefferson County, KY  4.41% ($95,469 average AGI)
from Henry County, KY  0.42% ($40,118)
from Shelby County, KY  0.25% ($55,464)


7.78% of this county's 2015 resident taxpayers moved to other counties in 2016 ($77,082 average adjusted gross income)

Here:

7.78%
Kentucky average:

6.57%

10 or fewer of this county's residents moved to foreign countries between 2015 and 2016.

Top counties to which taxpayers relocated from this county between 2015 and 2016:
to Jefferson County, KY  3.52% ($63,903 average AGI)
to Henry County, KY  0.52% ($55,292)
to Shelby County, KY  0.25% ($75,278)

Strongest AM radio stations in River Bluff:

  • WHAS (840 AM; 50 kW; LOUISVILLE, KY; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WGTK (970 AM; 5 kW; LOUISVILLE, KY; Owner: SALEM MEDIA OF KENTUCKY, INC.)
  • WKJK (1080 AM; 10 kW; LOUISVILLE, KY; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WXXA (790 AM; 5 kW; LOUISVILLE, KY)
  • WTMT (620 AM; 1 kW; LOUISVILLE, KY; Owner: JEFFERSON B/CASTING CMPANY, INC.)
  • WFIA (900 AM; 1 kW; LOUISVILLE, KY; Owner: SCA LICENSE CORPORATION)
  • WXLN (1570 AM; 2 kW; NEW ALBANY, IN; Owner: MORTENSON BROADCASTING COMPANY)
  • WLLV (1240 AM; 1 kW; LOUISVILLE, KY; Owner: MORTENSON BROADCASTING COMPANY)
  • WAVG (1450 AM; 1 kW; JEFFERSONVILLE, IN; Owner: SUNNYSIDE COMMUNICATIONS, INC)
  • WLW (700 AM; 50 kW; CINCINNATI, OH; Owner: JACOR BROADCASTING CORPORATION)
  • WLOU (1350 AM; 2 kW; LOUISVILLE, KY; Owner: MORTENSON BROADCASTING CO., INC.)
  • WSAI (1530 AM; 50 kW; CINCINNATI, OH; Owner: JACOR BROADCASTING CORPORATION)
  • WSLM (1220 AM; 5 kW; SALEM, IN; Owner: DON H. MARTIN)

Strongest FM radio stations in River Bluff:

  • WFPL (89.3 FM; LOUISVILLE, KY; Owner: KENTUCKY PUBLIC RADIO, INC.)
  • WFPK (91.9 FM; LOUISVILLE, KY; Owner: KENTUCKY PUBLIC RADIO, INC.)
  • WUOL-FM (90.5 FM; LOUISVILLE, KY; Owner: KENTUCKY PUBLIC RADIO, INC.)
  • WVEZ (106.9 FM; LOUISVILLE, KY; Owner: CXR HOLDINGS, INC.)
  • WDJX (99.7 FM; LOUISVILLE, KY; Owner: BLUE CHIP BROADCASTING LICENSES II, LTD.)
  • WBLO (104.3 FM; CHARLESTOWN, IN; Owner: NEW ALBANY BROADCASTING CO., INC.)
  • WTFX-FM (100.5 FM; LOUISVILLE, KY; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WPTI (103.9 FM; LOUISVILLE, KY; Owner: CXR HOLDINGS, INC.)
  • WMJM (101.3 FM; JEFFERSONTOWN, KY; Owner: BLUE CHIP BROADCASTING LICENSES II, LTD.)
  • WRKA (103.1 FM; ST. MATTHEWS, KY; Owner: CXR HOLDINGS, INC.)
  • WRVI (105.9 FM; VALLEY STATION, KY; Owner: SALEM MEDIA OF KENTUCKY, INC.)
  • WAMZ (97.5 FM; LOUISVILLE, KY; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WXMA (102.3 FM; LOUISVILLE, KY; Owner: BLUE CHIP BROADCASTING LICENSES II, LTD.)
  • W284AD (104.7 FM; NEW ALBANY, IN; Owner: LIFETALK RADIO, INC.)
  • WJIE-FM (88.5 FM; OKOLONA, KY; Owner: EVANGEL SCHOOLS, INC.)
  • WSFR (107.7 FM; CORYDON, IN; Owner: CXR HOLDINGS, INC.)
  • WQMF (95.7 FM; JEFFERSONVILLE, IN; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WZKF (98.9 FM; SALEM, IN; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
  • WFIA-FM (94.7 FM; NEW ALBANY, IN; Owner: SALEM MEDIA OF KENTUCKY, INC.)
  • WJZL (93.1 FM; CLARKSVILLE, IN; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)

TV broadcast stations around River Bluff:

  • WAVE (Channel 3; LOUISVILLE, KY; Owner: LIBCO, INC.)
  • W24BW (Channel 24; LOUISVILLE, KY; Owner: GREATER LOUISVILLE COMMUNICATIONS)
  • WHAS-TV (Channel 11; LOUISVILLE, KY; Owner: BELO KENTUCKY, INC.)
  • WLKY-TV (Channel 32; LOUISVILLE, KY; Owner: WLKY HEARST-ARGYLE TELEVISION, INC.)
  • WDRB (Channel 41; LOUISVILLE, KY; Owner: INDEPENDENCE TELEVISION COMPANY)
  • WFTE (Channel 58; SALEM, IN; Owner: INDEPENDENCE TELEVISION COMPANY)
  • WVHF-LP (Channel 5; JEFFERSONVILLE, ETC., IN; Owner: JOHN W. SMITH, JR.)
  • WJYL-CA (Channel 45; CLARKSVILLE, IN; Owner: JOHN W. SMITH, JR.)
  • WBXV-CA (Channel 13; LOUISVILLE, KY; Owner: THE BOX WORLDWIDE LLC)
  • WKPC-TV (Channel 15; LOUISVILLE, KY; Owner: KENTUCKY AUTHORITY FOR EDUC'L. TV)
  • WKMJ-TV (Channel 68; LOUISVILLE, KY; Owner: KENTUCKY AUTHORITY FOR EDUCATIONAL TV)
  • WBKI-CA (Channel 28; LOUISVILLE, KY; Owner: LOUISVILLE COMMUNICATIONS, LLC)
  • WBNA (Channel 21; LOUISVILLE, KY; Owner: WORD BROADCASTING NETWORK, INC.)
  • W50CI (Channel 50; LOUISVILLE, KY; Owner: SOUTH CENTRAL COMMUNICATIONS CORP.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 1 partial tract)
B) Conventional
Home Purchase Loans
C) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED2$260,1556$329,838
APPLICATIONS APPROVED, NOT ACCEPTED0$01$146,230
APPLICATIONS DENIED0$02$237,105
APPLICATIONS WITHDRAWN0$01$292,020
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed HMDA statistics for the following Tracts: 0308.01

Private Mortgage Insurance Companies Aggregated Statistics For Year 2002
(Based on 1 partial tract)
A) Conventional
Home Purchase Loans
NumberAverage Value
LOANS ORIGINATED1$127,310
APPLICATIONS APPROVED, NOT ACCEPTED0$0
APPLICATIONS DENIED0$0
APPLICATIONS WITHDRAWN0$0
FILES CLOSED FOR INCOMPLETENESS0$0

Detailed PMIC statistics for the following Tracts: 0308.01

Conventional Home Purchase Loans in River Bluff, KY
Conventional Home Purchase Loans in River Bluff, KY - Value
Houses and condos Apartments
Most commonly used house heating fuel in houses and condos in River Bluff, KY
  • 69.9%Utility gas
  • 28.8%Electricity
  • 1.2%Wood
Most commonly used house heating fuel in apartments in River Bluff, KY
  • 100.0%Utility gas


River Bluff compared to Kentucky state average:

  • Median household income significantly above state average.
  • Median house value above state average.
  • Unemployed percentage significantly below state average.
  • Black race population percentage below state average.
  • Hispanic race population percentage above state average.
  • Median age above state average.
  • Renting percentage significantly below state average.
  • Number of rooms per house significantly above state average.
  • Percentage of population with a bachelor's degree or higher significantly above state average.
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