<P> The median income for a household in the city is $48,670, and the median income for a family is $59,452 . Males have a median income of $38,767 versus $29,218 for females . The per capita income for the city is $29,825 . The percentage of the population living at or below the poverty line is 10.6%, with 7.8% of families living at or below the poverty line . Out of the total population, 13.8% of those under the age of 18 and 9.7% of those 65 and older are living below the poverty line . </P> <P> Charlotte has historically been a Protestant city . It is the birthplace of Billy Graham, and is also the historic seat of Southern Presbyterianism, but the changing demographics of the city's increasing population have brought scores of new denominations and faiths . The Billy Graham Evangelistic Association, Wycliffe Bible Translators' JAARS Center, and SIM Missions Organization make their homes in the Charlotte general area . In total, Charlotte proper has 700 places of worship . </P> <P> The Presbyterian Church (USA) is now the fourth largest denomination in Charlotte, with 68,000 members and 206 congregations . The second largest Presbyterian denomination, the Presbyterian Church in America has 43 churches and 12,000 members, followed by the Associate Reformed Presbyterian Church with 63 churches and 9,500 members . </P> <P> The Baptist Peace Fellowship of North America is headquartered in Charlotte, and both Reformed Theological Seminary and Gordon - Conwell Theological Seminary have campuses there; more recently, the Religious Studies academic departments of Charlotte's local colleges and universities have also grown considerably . </P>

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