Median Income
$70,056
7% lower than US avg
Home Value
$233,000
17% lower than US avg
Violent Crime
196/100K
49% lower than US avg
Bachelor's+
15.1%
55% lower than US avg
Median Rent
$1,429
23% higher than US avg
Obesity Rate
38.9%
21% higher than US avg
Unemployment
2.3%
36% lower than US avg
Poverty Rate
6.6%
47% lower than US avg
How Marion Oaks Compares to the U.S. Average (100% = U.S. avg)
People
Population22,296
Median Age37.8 yrs
Density760/mi²
Male / Female47% / 53%
Largest GroupWhite 33%
Veterans6.9%
Economy
A
Median Income$70,056
Per Capita$25,571
Unemployment2.3%
Poverty6.6%
County GDP$17,641M
Commute31 min
Housing
A+
Home Value$233,000
Rent$1,429
Ownership76.0%
Zillow$256,476
Housing Units7,232
Rent Burden25.0%
Crime
F
Violent196/100K
Property3,543/100K
Health
Obesity38.9%
Uninsured21.2%
Smoking14.4%
Depression18.5%
Heart Disease5.9%
Climate
Avg Temp71°F (22°C)
AQI41 (Good)
Rain51.6 in/yr
Sunny Days314/yr
Elevation94 ft (29 m)
Education
C
Bachelor's+15.1%
High School+88.1%
Graduate+4.9%
School Score5.23
Community
2024 VoteR 65% / D 34%
Commute31 min
Broadband89.1%
EV Stations2
Libraries8
Is Marion Oaks a Good Place to Live?
Based on current data, Marion Oaks receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include a high uninsured rate, high obesity rates. Marion Oaks offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Marion Oaks is $70,056, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.3%. Only 6.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Marion Oaks is $233,000, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,429 per month, significantly above the national average of $1,163. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Marion Oaks is below the national average at 196 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 3,543 per 100,000, 81% above the national average.
Education
15.1% of residents hold a bachelor's degree, below the national average of 33.7%. 88.1% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Marion Oaks has a warm climate with an average annual temperature of 71°F. Winters average 58°F in January while summers reach 82°F in July. With 314 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.6 inches. Air quality is rated Good with a median AQI of 41.
Marion Oaks has a population of 22,296 with a density of 760 people per square mile, spread across 29.4 square miles. The median age is 37.8 years, 3% younger than the national median of 38.9. The gender split is 53.4% female and 46.6% male. The city is predominantly Black (37.4%), with 33.3% White. English is the primary language spoken at home by 62.2% of residents, while 37.8% speak Spanish. 6.9% of the population are veterans. 8.7% of residents have a disability (below the 13.0% national average). 84.5% have health insurance coverage.
Population
37.8yrs
Median Age
3% below US avg
Race & Ethnicity
Marion Oaks vs U.S. Average
Language Spoken at Home
English Only
62.2%
21% below US avg
Spanish
37.8%
182% above US avg
Social Characteristics
Marion Oaks vs U.S. Average
The median household income in Marion Oaks is $70,056, which is 7% below the national average of $75,149. Per capita income is $25,571 (below the $39,052 national figure). The average weekly wage is $1,010, 29% lower than the U.S. average. The unemployment rate is 2.3% (below the 3.6% US average). 6.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 10,226 business establishments, including 570 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 31 minutes. 7.6% of workers work from home (below the 15.2% national rate).
Income: Marion Oaks vs U.S.
Income
| Median HH Income | $70,056 |
| 7% below US avg |
| Per Capita Income | $25,571 |
| Avg Weekly Wage | $1,010 |
| IRS Avg AGI | $65,162 |
| Gini Index | 0.450 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.3% |
| 36% below US avg |
| Poverty Rate | 6.6% |
| 47% below US avg |
| Establishments (County) | 10,226 |
| County GDP | $17,641M |
Business (County)
| Restaurants | 570 |
| Healthcare | 985 |
| Retail | 1,173 |
| Manufacturing | 212 |
Tax & Cost of Living
| Property Tax (IRS) | $5,878 |
| 68% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.52% |
Commute & Transportation
| Commute Time | 30.5 min |
| Drive Alone | 82.1% |
| Public Transit | 0.0% |
| Work from Home | 7.6% |
The median home value in Marion Oaks is $233,000, 17% below the national median of $281,900. Zillow estimates the typical home value at $256,476, higher than the Census estimate. Homes sell for 98.9% of their list price. Monthly rent averages $1,429 (23% above the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 76.0% of housing units are owner-occupied (above the 65.4% national rate). There are 7,232 total housing units in the city. The median year a home was built is 2001. The average annual property tax is $5,878 (higher than the $3,500 national average). 25.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.3x.
Home Values
| Census Median | $233,000 |
| 17% below US avg |
| Zillow ZHVI | $256,476 |
| Median List Price | $300,000 |
Real Estate Market (Redfin)
| Median List Price | $300,000 |
| $/Sq Ft | $167 |
| Homes Sold | 96 |
| Sale-to-List Ratio | 98.9% |
| Price Drops | 29.4% |
| Inventory | 592 |
Rental Costs
| Census Median Rent | $1,429 |
| 23% above US avg |
| Rent Burden | 25.0% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 76.0% |
| Owner-Occupied | 76.0% |
| Renter-Occupied | 24.0% |
| Housing Units | 7,232 |
| Median Year Built | 2001 |
Property Tax
| Avg Tax (IRS) | $5,878 |
| 68% above US avg |
| Effective Rate | 2.52% |
In Marion Oaks, 38.9% of adults are obese, above the national rate of 32.1%. 12.6% have diabetes (above the 10.5% national rate). Heart disease affects 5.9% of residents. 32.7% have high blood pressure. 14.4% are current smokers. 15.9% report binge drinking. 26.8% are physically inactive. 18.5% report depression. 18.6% experience frequent mental distress. 21.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,723. The dentist ratio is 1:2,403. 68.2% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: Marion Oaks vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.9% |
| 21% above US avg |
| Diabetes | 12.6% |
| Heart Disease | 5.9% |
| High Blood Pressure | 32.7% |
| Asthma | 9.9% |
| COPD | 6.1% |
| Cancer | 5.9% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 14.4% |
| 3% above US avg |
| Binge Drinking | 15.9% |
| Physical Inactivity | 26.8% |
| Depression | 18.5% |
| Mental Distress | 18.6% |
| Physical Distress | 14.7% |
| Short Sleep | 42.7% |
Healthcare Access
| Insurance Rate | 84.5% |
| Uninsured | 21.2% |
| 147% above US avg |
| Primary Care | 1:1,723 |
| Dentists | 1:2,403 |
| Mental Health | 1:812 |
| Checkup Rate | 76.8% |
| Dental Visits | 53.1% |
| Premature Death | 12,581/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 68.2% |
| Healthcare Facilities | 985 |
Marion Oaks has a violent crime rate of 196 per 100,000 residents, 49% below the national average of 380. Property crime stands at 3,543 per 100,000, 81% above the U.S. average. The county recorded 104 fatal traffic crashes. Overall, Marion Oaks receives a safety grade of F.
Crime Rates: Marion Oaks vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 195.7/100K |
| 49% below US avg |
| |
Property Crime
| Total Property | 3,543.5/100K |
| 81% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 104 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Marion Oaks has a warm climate with an average annual temperature of 71°F (22°C). Winters average 58°F in January while summers reach 82°F in July. The area gets 314 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.6 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 94 feet.
Temperature
58°F Jan (15°C)
82°F Jul (28°C)
| Annual Average | 71.3°F |
| 32% above US avg |
| January Average | 58°F (15°C) |
| July Average | 82°F (28°C) |
| Sunny Days | 314 days/yr |
Geography
| Elevation | 94 ft (29 m) |
| Area | 29.4 sq mi (76.0 km²) |
| Population Density | 760/sq mi |
| Coordinates | 29.0013°N, 82.1953°W |
| Timezone | America/New_York |
| County | Marion County County |
| Nearest Airport | Ocala International-Jim Taylor Field (OCF) 12 miles away |
Precipitation & Snow
Annual Rainfall
51.6"
36% above US avg
Wettest Month (Aug)
7.24"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 94.7 / 100 |
| Social Vulnerability | 69.6 / 100 |
| Community Resilience | 16.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Relatively High |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Very Low |
| Lightning |
Very High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
22 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 4. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Milton |
Category 4 |
133 km |
| 2024 |
Helene |
Category 4 |
177 km |
| 2024 |
Debby |
Category 1 |
148 km |
| 2023 |
Idalia |
Category 4 |
168 km |
| 2022 |
Ian |
Category 5 |
180 km |
| 2022 |
Nicole |
Category 1 |
242 km |
| 2021 |
Elsa |
Category 1 |
285 km |
| 2019 |
Dorian |
Category 3 |
258 km |
| 2017 |
Irma |
Category 1 |
89 km |
| 2016 |
Matthew |
Category 4 |
158 km |
| 2016 |
Hermine |
Category 1 |
221 km |
| 2005 |
Ophelia |
Category 1 |
286 km |
| 2004 |
Charley |
Category 4 |
97 km |
| 2004 |
Jeanne |
Category 3 |
113 km |
| 2004 |
Frances |
Category 2 |
184 km |
| 2000 |
Gordon |
Category 1 |
192 km |
| 1999 |
Irene |
Category 1 |
228 km |
| 1995 |
Erin |
Category 1 |
228 km |
| 1985 |
Elena |
Category 3 |
158 km |
| 1985 |
Kate |
Category 1 |
292 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
536 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 49 fatalities, 551 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 2, 2007 |
EF3 |
20 km |
8 |
| Feb 2, 2007 |
EF3 |
59 km |
13 |
| Feb 22, 1998 |
EF3 |
89 km |
13 |
| Feb 22, 1998 |
EF3 |
74 km |
3 |
| Apr 9, 1983 |
EF3 |
42 km |
3 |
| Mar 19, 1981 |
EF3 |
94 km |
0 |
| Dec 31, 1975 |
EF3 |
9 km |
1 |
| Oct 12, 2023 |
EF2 |
44 km |
0 |
| Aug 18, 2020 |
EF2 |
83 km |
0 |
| Sep 10, 2017 |
EF2 |
99 km |
0 |
| Dec 25, 2006 |
EF2 |
78 km |
0 |
| Dec 25, 2006 |
EF2 |
87 km |
0 |
| Mar 29, 2001 |
EF2 |
17 km |
0 |
| Sep 3, 1998 |
EF2 |
30 km |
0 |
| Apr 24, 1995 |
EF2 |
85 km |
0 |
| Jan 7, 1995 |
EF2 |
7 km |
1 |
| Mar 12, 1993 |
EF2 |
9 km |
0 |
| Mar 12, 1993 |
EF2 |
87 km |
3 |
| Mar 12, 1993 |
EF2 |
55 km |
1 |
| Jun 25, 1988 |
EF2 |
23 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (121,213 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
UNNAMED |
121,213 |
100 km |
| 2001 |
STAGECOACH COMPLEX |
14,079 |
94 km |
| 2007 |
UNNAMED |
13,806 |
92 km |
| 2006 |
JUNIPER |
11,998 |
55 km |
| 1998 |
UNNAMED |
9,705 |
77 km |
| 2009 |
JUNIPER SPRINGS |
8,363 |
55 km |
| 1998 |
UNNAMED |
7,078 |
88 km |
| 2011 |
SANTE FE |
6,497 |
91 km |
| 2007 |
UNNAMED |
6,345 |
100 km |
| 1995 |
UNNAMED |
5,474 |
73 km |
| 2011 |
ESPANOLA FIRE |
5,468 |
97 km |
| 2012 |
UNNAMED |
5,431 |
61 km |
| 1991 |
UNNAMED |
4,948 |
91 km |
| 2019 |
C236/238/239/305 BOWERS ALEX SPRINGS N |
4,561 |
66 km |
| 1998 |
UNNAMED |
4,421 |
78 km |
| 1998 |
UNNAMED |
4,344 |
96 km |
| 2006 |
UNNAMED |
4,336 |
55 km |
| 2006 |
UNNAMED |
4,231 |
44 km |
| 1996 |
MAJOR 1 |
4,067 |
58 km |
| 1998 |
UNNAMED |
4,012 |
99 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
58°F (15°C) |
3.5 in |
Coldest |
| February |
59°F (15°C) |
3.4 in |
|
| March |
64°F (18°C) |
4.1 in |
|
| April |
69°F (20°C) |
2.7 in |
|
| May |
75°F (24°C) |
3.7 in |
|
| June |
80°F (26°C) |
7.2 in |
|
| July |
82°F (28°C) |
7.0 in |
Warmest |
| August |
81°F (27°C) |
7.2 in |
Wettest |
| September |
79°F (26°C) |
5.7 in |
|
| October |
72°F (22°C) |
2.5 in |
|
| November |
65°F (18°C) |
2.4 in |
Driest |
| December |
59°F (15°C) |
2.6 in |
|
Marion Oaks has a seasonal temperature swing of 24°F / from 58°F in January to 82°F in July. Total annual precipitation is 52.0 inches, with August being the wettest month (7.2") and November the driest (2.4").
Average costs for common services in Marion Oaks. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $801 |
| Toddler | $671 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $779 |
| Toddler | $572 |
| Preschool | $541 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Marion Oaks
What is the population of Marion Oaks?
Marion Oaks has a population of 22,296 residents and is located in Florida. The population density is 760 people per square mile, spread across 29.4 square miles. The median age of residents is 37.8 years. The population is 53.4% female and 46.6% male.
Is Marion Oaks expensive to live in?
Marion Oaks has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $70,056, 7% below the national average of $75,149. The median home value is $233,000 (17% below the U.S. median). Renters pay a median of $1,429 per month, above the national average of $1,163. The home price-to-income ratio is 3.3x, indicating housing is reasonably affordable relative to local income levels.
Is Marion Oaks safe?
Marion Oaks is safer than the national average, with a violent crime rate of 196 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 3,543 per 100,000 (above the national average). Overall, Marion Oaks receives a safety grade of F based on combined crime data.
What is the weather like in Marion Oaks?
Marion Oaks has a warm climate with an average annual temperature of 71°F (22°C). Winter temperatures average 58°F in January, while summers reach an average of 82°F in July. The area receives 314 sunny days per year, well above the national average of 205. Annual rainfall totals 51.6 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Marion Oaks?
The job market in Marion Oaks is very strong, with unemployment at just 2.3% / well below the national rate of 3.6%. The average weekly wage is $1,010. There are 10,226 business establishments in the area, including 570 restaurants and food service locations. The average commute time is 31 minutes, and 7.6% of workers work from home.
How much does housing cost in Marion Oaks?
The median home value in Marion Oaks is $233,000. Zillow estimates the typical home value at $256,476. For renters, the median monthly rent is $1,429. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 76.0%. The average annual property tax is $5,878.
How are the schools in Marion Oaks?
Schools in Marion Oaks score 5.2 out of 10 on standardized testing, near the national average. 15.1% of adults in Marion Oaks hold a bachelor's degree or higher, below the national average of 33.7%. 88.1% have completed high school. 4.9% hold a graduate or professional degree.
How healthy is Marion Oaks?
The obesity rate in Marion Oaks is 38.9% (above the national rate of 32.1%). 14.4% of adults are smokers. 26.8% are physically inactive. 18.5% of residents report depression. 21.2% lack health insurance (above the national rate). 68.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,723.
What is transportation like in Marion Oaks?
The average commute in Marion Oaks is 31 minutes, longer than the national average of 28 minutes. 82.1% of workers drive alone to work, and 7.6% work from home.
What are the demographics of Marion Oaks?
The racial and ethnic makeup of Marion Oaks is 33.3% White, 37.4% Black or African American, 0.7% Hispanic or Latino. 62.2% of residents speak only English at home, while 37.8% speak Spanish. 6.9% of the population are military veterans. 8.7% of residents have a disability. 84.5% have health insurance coverage.