Local Data Search
A total of 379 results found. Show Results on Map.
| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | City / Population |
| 1. | 78.6% | Silerton, TN / 65 |
| 2. | 63.6% | Oakdale, TN / 269 |
| 3. | 61.1% | Yorkville, TN / 277 |
| 4. | 60.3% | Clarksburg, TN / 358 |
| 5. | 60.0% | Cottage Grove, TN / 80 |
| 6. | 59.5% | Rockford, TN / 1,024 |
| 7. | 59.4% | Normandy, TN / 203 |
| 8. | 57.9% | Walnut Hill, TN / 2,723 |
| 9. | 57.6% | Moscow, TN / 457 |
| 10. | 57.1% | Middleton, TN / 933 |
| 10. | 57.1% | Trimble, TN / 796 |
| 12. | 56.4% | Mclemoresville, TN / 220 |
| 13. | 56.1% | Auburntown, TN / 262 |
| 14. | 55.7% | Sharon, TN / 1,089 |
| 15. | 54.6% | Puryear, TN / 722 |
| 16. | 54.5% | Dresden, TN / 2,853 |
| 17. | 54.4% | Saltillo, TN / 379 |
| 18. | 53.8% | Gray, TN / 1,651 |
| 19. | 53.3% | Rural Hill, TN / 2,054 |
| 20. | 52.7% | Linden, TN / 1,183 |
| 21. | 52.3% | Pine Crest, TN / 2,295 |
| 22. | 52.0% | Decatur, TN / 1,677 |
| 23. | 50.9% | Harrogate, TN / 3,958 |
| 24. | 50.6% | Waynesboro, TN / 2,269 |
| 25. | 50.4% | Saint Joseph, TN / 690 |
| 26. | 49.7% | Waverly, TN / 4,142 |
| 27. | 48.7% | Estill Springs, TN / 2,249 |
| 28. | 48.7% | Collegedale, TN / 7,734 |
| 29. | 48.6% | Hornsby, TN / 358 |
| 30. | 47.8% | Wartburg, TN / 926 |
| 31. | 47.6% | Crab Orchard, TN / 834 |
| 32. | 47.5% | Coopertown, TN / 3,342 |
| 33. | 47.3% | Obion, TN / 1,284 |
| 34. | 47.2% | Allardt, TN / 837 |
| 35. | 47.0% | Tennessee Ridge, TN / 1,474 |
| 36. | 46.9% | Oak Grove CDP, TN / 3,639 |
| 37. | 46.8% | Tiptonville, TN / 4,044 |
| 37. | 46.8% | Gadsden, TN / 564 |
| 39. | 46.8% | Rossville, TN / 617 |
| 40. | 46.7% | Eastview, TN / 811 |
| 40. | 46.7% | Dowelltown, TN / 325 |
| 40. | 46.7% | Rutledge, TN / 1,103 |
| 43. | 46.0% | Colonial Heights, TN / 7,434 |
| 44. | 46.0% | Bruceton, TN / 1,743 |
| 45. | 45.9% | Cedar Hill, TN / 449 |
| 46. | 45.4% | Loretto, TN / 1,892 |
| 47. | 45.2% | Adamsville, TN / 2,111 |
| 48. | 45.1% | Garland, TN / 309 |
| 49. | 44.9% | Crump, TN / 1,630 |
| 50. | 44.8% | Friendsville, TN / 982 |
| 51. | 44.6% | Liberty, TN / 500 |
| 52. | 44.6% | Milan, TN / 7,835 |
| 53. | 44.6% | Medina, TN / 2,336 |
| 54. | 44.5% | Mountain City, TN / 3,001 |
| 55. | 44.5% | Martin, TN / 10,125 |
| 56. | 44.3% | Dyer, TN / 2,744 |
| 57. | 44.2% | Middle Valley, TN / 12,839 |
| 58. | 44.2% | Alexandria, TN / 919 |
| 59. | 44.1% | Lafayette, TN / 4,334 |
| 60. | 44.0% | Harrison, TN / 7,946 |
| 61. | 43.9% | Bean Station, TN / 3,026 |
| 62. | 43.9% | Watauga, TN / 563 |
| 63. | 43.8% | Ramer, TN / 300 |
| 64. | 43.7% | Graysville, TN / 1,044 |
| 65. | 43.6% | Dover, TN / 1,582 |
| 66. | 43.6% | Union City, TN / 10,584 |
| 67. | 43.6% | South Fulton, TN / 2,075 |
| 68. | 43.6% | Soddy Daisy, TN / 12,486 |
| 69. | 43.4% | Carthage, TN / 2,291 |
| 70. | 43.4% | Decaturville, TN / 886 |
| 71. | 43.3% | Milledgeville, TN / 337 |
| 72. | 43.2% | Guys, TN / 446 |
| 72. | 43.2% | Covington, TN / 9,106 |
| 74. | 43.0% | Troy, TN / 1,600 |
| 75. | 43.0% | Wartrace, TN / 610 |
| 76. | 42.8% | Huntland, TN / 877 |
| 77. | 42.7% | Algood, TN / 3,321 |
| 78. | 42.7% | Livingston, TN / 3,519 |
| 79. | 42.5% | Germantown, TN / 40,617 |
| 80. | 42.4% | Finger, TN / 374 |
| 81. | 42.4% | Gordonsville, TN / 1,197 |
| 82. | 42.3% | Etowah, TN / 3,736 |
| 83. | 42.2% | Tusculum, TN / 2,159 |
| 84. | 42.2% | Newbern, TN / 3,117 |
| 85. | 42.0% | Mount Juliet, TN / 20,501 |
| 86. | 41.8% | Morrison, TN / 558 |
| 87. | 41.8% | Dandridge, TN / 2,546 |
| 88. | 41.8% | Surgoinsville, TN / 1,913 |
| 89. | 41.8% | Monterey, TN / 2,914 |
| 90. | 41.8% | Norris, TN / 1,509 |
| 91. | 41.6% | Ethridge, TN / 613 |
| 92. | 41.5% | Charleston, TN / 907 |
| 93. | 41.4% | Winchester, TN / 7,785 |
| 94. | 41.4% | Ridgetop, TN / 1,725 |
| 95. | 41.3% | Thompson's Station, TN / 1,912 |
| 96. | 41.1% | Jellico, TN / 2,511 |
| 97. | 40.9% | Huntsville, TN / 1,193 |
| 98. | 40.9% | Brentwood, TN / 34,841 |
| 99. | 40.8% | New Johnsonville, TN / 1,694 |
| 100. | 40.7% | Mcewen, TN / 1,728 |
| 101. | 40.7% | Red Bank, TN / 11,744 |
| 102. | 40.7% | Pulaski, TN / 7,877 |
| 103. | 40.6% | Woodland Mills, TN / 324 |
| 104. | 40.4% | Mosheim, TN / 2,440 |
| 105. | 40.4% | Mount Carmel, TN / 5,356 |
| 106. | 40.3% | Burlison, TN / 484 |
| 107. | 40.2% | Lafollette, TN / 8,094 |
| 108. | 40.1% | Crossville, TN / 11,185 |
| 109. | 39.9% | Rutherford, TN / 1,194 |
| 110. | 39.8% | Athens, TN / 14,077 |
| 111. | 39.8% | Ridgely, TN / 2,060 |
| 112. | 39.8% | Midway, TN / 2,242 |
| 113. | 39.7% | Luttrell, TN / 851 |
| 114. | 39.6% | Cumberland City, TN / 324 |
| 115. | 39.6% | Jefferson City, TN / 8,086 |
| 116. | 39.5% | Bloomingdale, TN / 9,697 |
| 117. | 39.5% | Columbia, TN / 34,303 |
| 118. | 39.5% | Oak Ridge, TN / 27,374 |
| 119. | 39.4% | Gilt Edge, TN / 409 |
| 120. | 39.3% | Halls, TN / 2,305 |
| 121. | 39.3% | Cornersville, TN / 947 |
| 122. | 39.0% | Lakesite, TN / 1,935 |
| 123. | 39.0% | Lenoir City, TN / 7,861 |
| 124. | 38.9% | Roan Mountain, TN / 1,002 |
| 125. | 38.8% | Elizabethton, TN / 13,806 |
| 126. | 38.8% | Gibson, TN / 601 |
| 127. | 38.8% | Fayetteville, TN / 7,092 |
| 128. | 38.7% | Forest Hills, TN / 5,839 |
| 129. | 38.7% | Kingsport, TN / 44,494 |
| 130. | 38.7% | Portland, TN / 10,868 |
| 130. | 38.7% | Westmoreland, TN / 2,518 |
| 130. | 38.7% | Benton, TN / 1,534 |
| 133. | 38.6% | Woodbury, TN / 2,546 |
| 134. | 38.6% | Pleasant Hill, TN / 455 |
| 135. | 38.6% | New Hope, TN / 923 |
| 136. | 38.5% | Toone, TN / 328 |
| 136. | 38.5% | South Cleveland, TN / 5,870 |
| 138. | 38.4% | Alcoa, TN / 8,613 |
| 139. | 38.4% | Eagleville, TN / 411 |
| 140. | 38.4% | Celina, TN / 1,402 |
| 141. | 38.4% | Sevierville, TN / 16,398 |
| 142. | 38.3% | Goodlettsville, TN / 16,512 |
| 143. | 38.3% | Bell Buckle, TN / 406 |
| 144. | 38.3% | Ardmore, TN / 1,313 |
| 145. | 38.1% | Sweetwater, TN / 6,443 |
| 145. | 38.1% | Three Way, TN / 1,767 |
| 147. | 38.0% | White Pine, TN / 2,136 |
| 148. | 37.9% | Seymour, TN / 9,740 |
| 149. | 37.8% | Spring City, TN / 2,166 |
| 150. | 37.8% | South Carthage, TN / 1,562 |
| 151. | 37.7% | Sunbright, TN / 415 |
| 152. | 37.5% | Hickory Valley, TN / 97 |
| 152. | 37.5% | Kingston Springs, TN / 2,926 |
| 154. | 37.4% | Henderson, TN / 6,254 |
| 155. | 37.2% | Lexington, TN / 7,745 |
| 156. | 37.1% | Greeneville, TN / 15,342 |
| 157. | 37.0% | Gleason, TN / 1,597 |
| 158. | 37.0% | Lobelville, TN / 1,013 |
| 159. | 37.0% | Walterhill, TN / 2,479 |
| 160. | 36.8% | Collinwood, TN / 1,162 |
| 161. | 36.8% | Atoka, TN / 6,781 |
| 162. | 36.7% | Fall Branch, TN / 1,289 |
| 163. | 36.5% | Townsend, TN / 565 |
| 164. | 36.5% | Sardis, TN / 455 |
| 165. | 36.4% | Signal Mountain, TN / 7,236 |
| 166. | 36.4% | Iron City, TN / 378 |
| 166. | 36.4% | Vanleer, TN / 460 |
| 168. | 36.3% | Murfreesboro, TN / 97,423 |
| 169. | 36.3% | White House, TN / 9,567 |
| 170. | 36.3% | Smithville, TN / 4,304 |
| 171. | 36.3% | Chapel Hill, TN / 1,221 |
| 172. | 36.1% | Englewood, TN / 1,666 |
| 173. | 36.1% | Greenbrier, TN / 6,381 |
| 174. | 35.8% | Unicoi, TN / 3,615 |
| 174. | 35.8% | Louisville, TN / 2,124 |
| 176. | 35.8% | Newport, TN / 7,420 |
| 177. | 35.7% | Parker'S Crossroads, TN / 269 |
| 177. | 35.7% | Brighton, TN / 2,549 |
| 179. | 35.6% | Blountville, TN / 3,767 |
| 180. | 35.6% | Oliver Springs, TN / 3,213 |
| 181. | 35.5% | Clarksville, TN / 118,390 |
| 182. | 35.5% | Johnson City, TN / 61,324 |
| 183. | 35.4% | Franklin, TN / 57,547 |
| 184. | 35.4% | Pegram, TN / 2,436 |
| 184. | 35.4% | Lynnville, TN / 416 |
| 186. | 35.4% | Bartlett, TN / 47,525 |
| 187. | 35.4% | Doyle, TN / 567 |
| 188. | 35.4% | Farragut, TN / 20,217 |
| 189. | 35.4% | Bethel Springs, TN / 735 |
| 190. | 35.2% | Lookout Mountain, TN / 1,888 |
| 190. | 35.2% | Munford, TN / 6,304 |
| 190. | 35.2% | Manchester, TN / 9,827 |
| 193. | 35.1% | Pleasant View, TN / 3,836 |
| 194. | 34.8% | Alamo, TN / 2,397 |
| 195. | 34.7% | Somerville, TN / 2,914 |
| 196. | 34.5% | Lynchburg, Moore County Metropolitan Government, TN / 6,044 |
| 197. | 34.4% | Altamont, TN / 1,136 |
| 198. | 34.4% | Mascot, TN / 2,120 |
| 199. | 34.3% | Palmer, TN / 805 |
| 199. | 34.3% | Selmer, TN / 4,630 |
| 201. | 34.3% | Hendersonville, TN / 46,553 |
| 202. | 34.3% | Collierville, TN / 38,989 |
| 203. | 34.2% | Scotts Hill, TN / 873 |
| 204. | 34.0% | Brownsville, TN / 10,388 |
| 205. | 34.0% | Huntingdon, TN / 4,126 |
| 206. | 34.0% | Tazewell, TN / 2,462 |
| 206. | 34.0% | Erwin, TN / 5,778 |
| 208. | 34.0% | Morristown, TN / 27,542 |
| 209. | 33.9% | Kimball, TN / 1,314 |
| 210. | 33.9% | Slayden, TN / 297 |
| 211. | 33.8% | Jasper, TN / 3,079 |
| 212. | 33.8% | Blaine, TN / 2,124 |
| 213. | 33.8% | Powells Crossroads, TN / 1,265 |
| 214. | 33.7% | Elkton, TN / 415 |
| 215. | 33.7% | Knoxville, TN / 183,032 |
| 216. | 33.7% | Gainesboro, TN / 857 |
| 217. | 33.5% | Tullahoma, TN / 18,766 |
| 218. | 33.5% | Cleveland, TN / 39,253 |
| 219. | 33.3% | Caryville, TN / 1,979 |
| 219. | 33.3% | Hollow Rock, TN / 850 |
| 221. | 33.3% | Smyrna, TN / 36,921 |
| 222. | 33.2% | Bristol, TN / 25,468 |
| 223. | 33.1% | Kingston, TN / 5,535 |
| 224. | 33.0% | Jacksboro, TN / 1,934 |
| 225. | 33.0% | Belle Meade, TN / 3,394 |
| 226. | 33.0% | Nolensville, TN / 3,025 |
| 227. | 32.8% | Dayton, TN / 6,727 |
| 228. | 32.7% | Maryville, TN / 26,602 |
| 229. | 32.6% | Rives, TN / 365 |
| 230. | 32.6% | Piperton, TN / 1,419 |
| 231. | 32.5% | Decherd, TN / 2,241 |
| 232. | 32.4% | Lakeland, TN / 7,970 |
| 233. | 32.3% | Chattanooga, TN / 169,243 |
| 234. | 32.2% | Baneberry, TN / 503 |
| 235. | 32.0% | Gatlinburg, TN / 5,225 |
| 236. | 31.9% | Walden, TN / 2,218 |
| 237. | 31.8% | Cookeville, TN / 29,157 |
| 238. | 31.8% | Camden, TN / 3,606 |
| 239. | 31.7% | Monteagle, TN / 1,138 |
| 240. | 31.5% | Shelbyville, TN / 19,478 |
| 241. | 31.4% | Church Hill, TN / 6,596 |
| 242. | 31.4% | Niota, TN / 868 |
| 243. | 31.3% | Bells, TN / 2,286 |
| 244. | 31.3% | Springfield, TN / 16,817 |
| 245. | 31.3% | Green Hill, TN / 6,964 |
| 246. | 31.2% | Millington, TN / 10,984 |
| 247. | 31.1% | Helenwood, TN / 757 |
| 248. | 31.0% | Mitchellville, TN / 253 |
| 249. | 30.9% | Trenton, TN / 4,519 |
| 250. | 30.9% | Centerville, TN / 3,943 |
| 251. | 30.9% | Lake City, TN / 1,667 |
| 252. | 30.8% | Savannah, TN / 7,245 |
| 253. | 30.8% | Oakland, TN / 4,143 |
| 254. | 30.7% | New Market, TN / 1,431 |
| 255. | 30.7% | Henry, TN / 531 |
| 256. | 30.7% | Banner Hill, TN / 1,261 |
| 257. | 30.5% | Dyersburg, TN / 17,252 |
| 258. | 30.4% | Ducktown, TN / 441 |
| 258. | 30.4% | Sparta, TN / 4,872 |
| 260. | 30.4% | Rockwood, TN / 5,475 |
| 261. | 30.4% | Nashville-Davidson Metropolitan Government, TN / 592,497 |
| 262. | 30.3% | Erin, TN / 1,602 |
| 263. | 30.0% | Lake Tansi, TN / 2,652 |
| 264. | 30.0% | Parsons, TN / 2,940 |
| 264. | 30.0% | Sneedville, TN / 1,658 |
| 266. | 30.0% | Jackson, TN / 63,043 |
| 267. | 29.8% | East Ridge, TN / 19,932 |
| 268. | 29.8% | Centertown, TN / 290 |
| 268. | 29.8% | Oneida, TN / 3,822 |
| 270. | 29.8% | Ashland City, TN / 4,537 |
| 271. | 29.8% | Watertown, TN / 1,513 |
| 272. | 29.7% | Eagleton Village, TN / 4,628 |
| 273. | 29.7% | Spring Hill, TN / 22,993 |
| 274. | 29.6% | Orlinda, TN / 861 |
| 275. | 29.5% | Cowan, TN / 1,492 |
| 276. | 29.4% | South Pittsburg, TN / 3,113 |
| 277. | 29.4% | Calhoun, TN / 501 |
| 277. | 29.4% | Braden, TN / 410 |
| 279. | 29.3% | Hartsville/Trousdale County, TN / 7,682 |
| 280. | 29.3% | Hornbeak, TN / 424 |
| 281. | 29.3% | Fairview, TN / 7,694 |
| 282. | 29.2% | Bradford, TN / 1,039 |
| 283. | 29.2% | Clinton, TN / 9,507 |
| 284. | 29.2% | Loudon, TN / 4,878 |
| 285. | 29.0% | Lebanon, TN / 24,115 |
| 286. | 28.9% | Gallatin, TN / 28,695 |
| 287. | 28.8% | Winfield, TN / 1,248 |
| 288. | 28.8% | Plainview, TN / 2,375 |
| 289. | 28.6% | Ripley, TN / 7,608 |
| 289. | 28.6% | Bulls Gap, TN / 663 |
| 289. | 28.6% | Cumberland Gap, TN / 163 |
| 292. | 28.5% | Oak Hill, TN / 5,253 |
| 293. | 28.5% | La Vergne, TN / 28,785 |
| 294. | 28.4% | Jonesborough, TN / 5,118 |
| 295. | 28.2% | Friendship, TN / 544 |
| 296. | 28.1% | Byrdstown, TN / 1,230 |
| 297. | 27.8% | Fairmount, TN / 2,453 |
| 298. | 27.8% | Arlington, TN / 3,735 |
| 299. | 27.6% | Paris, TN / 9,863 |
| 299. | 27.6% | Ooltewah, TN / 4,641 |
| 301. | 27.5% | Dunlap, TN / 5,316 |
| 302. | 27.5% | Philadelphia, TN / 474 |
| 303. | 27.3% | Saulsbury, TN / 44 |
| 303. | 27.3% | Minor Hill, TN / 371 |
| 305. | 27.1% | Memphis, TN / 679,052 |
| 306. | 27.1% | Madisonville, TN / 4,560 |
| 306. | 27.1% | Jamestown, TN / 1,916 |
| 308. | 26.8% | Sewanee, TN / 2,399 |
| 309. | 26.8% | Bluff City, TN / 1,540 |
| 310. | 26.7% | Stanton, TN / 504 |
| 311. | 26.6% | Fairfield Glade, TN / 5,945 |
| 312. | 26.5% | Humboldt, TN / 9,174 |
| 313. | 26.2% | Maynardville, TN / 2,097 |
| 314. | 26.1% | Kenton, TN / 1,290 |
| 315. | 26.0% | Burns, TN / 1,630 |
| 316. | 25.9% | Baileyton, TN / 691 |
| 317. | 25.8% | Maury City, TN / 963 |
| 318. | 25.4% | Millersville, TN / 6,568 |
| 319. | 25.3% | Charlotte, TN / 1,211 |
| 320. | 25.3% | Midtown, TN / 1,145 |
| 321. | 25.2% | Lawrenceburg, TN / 10,770 |
| 322. | 25.1% | Pigeon Forge, TN / 6,238 |
| 323. | 25.1% | Hohenwald, TN / 3,799 |
| 324. | 25.0% | Mount Pleasant, TN / 4,451 |
| 325. | 24.9% | Tracy City, TN / 1,655 |
| 326. | 24.8% | Trezevant, TN / 740 |
| 327. | 24.5% | Dickson, TN / 13,741 |
| 328. | 24.4% | Tellico Plains, TN / 700 |
| 328. | 24.4% | Big Sandy, TN / 557 |
| 330. | 24.2% | Medon, TN / 177 |
| 331. | 24.1% | Ridgeside, TN / 503 |
| 332. | 24.1% | Spurgeon, TN / 3,423 |
| 333. | 23.9% | Gruetli Laager, TN / 2,035 |
| 334. | 23.5% | La Grange, TN / 111 |
| 335. | 23.2% | Greenback, TN / 1,073 |
| 336. | 23.1% | Whiteville, TN / 4,515 |
| 337. | 23.0% | Michie, TN / 623 |
| 337. | 23.0% | Greenfield, TN / 2,408 |
| 339. | 22.9% | Rogersville, TN / 4,291 |
| 340. | 22.7% | Central, TN / 2,713 |
| 341. | 22.5% | Mckenzie, TN / 5,278 |
| 342. | 22.5% | Red Boiling Springs, TN / 1,413 |
| 343. | 22.2% | Grand Junction, TN / 198 |
| 343. | 22.2% | Viola, TN / 54 |
| 345. | 21.9% | Stantonville, TN / 381 |
| 345. | 21.9% | Harriman, TN / 6,666 |
| 347. | 21.8% | Baxter, TN / 1,542 |
| 348. | 21.7% | Vonore, TN / 1,682 |
| 349. | 21.6% | Lakewood, TN / 2,764 |
| 350. | 21.5% | Whitwell, TN / 1,819 |
| 351. | 21.1% | Mcminnville, TN / 13,296 |
| 352. | 21.0% | White Bluff, TN / 2,452 |
| 353. | 20.5% | Spencer, TN / 2,102 |
| 354. | 20.4% | Beersheba Springs, TN / 532 |
| 355. | 19.9% | Atwood, TN / 908 |
| 356. | 19.4% | New Tazewell, TN / 2,863 |
| 357. | 19.2% | Adams, TN / 612 |
| 358. | 19.2% | Williston, TN / 456 |
| 359. | 19.1% | Wildwood Lake, TN / 3,326 |
| 360. | 19.1% | Cross Plains, TN / 1,509 |
| 361. | 19.0% | Hopewell, TN / 1,840 |
| 362. | 18.8% | Henning, TN / 1,184 |
| 363. | 18.6% | Lewisburg, TN / 10,878 |
| 364. | 18.5% | Enville, TN / 181 |
| 365. | 18.5% | Bolivar, TN / 5,585 |
| 366. | 17.9% | Coalmont, TN / 1,025 |
| 367. | 17.7% | Parrottsville, TN / 137 |
| 368. | 17.1% | Pittman Center, TN / 411 |
| 369. | 17.1% | Copperhill, TN / 353 |
| 370. | 16.2% | Mason, TN / 1,417 |
| 371. | 16.0% | East Cleveland, TN / 1,949 |
| 372. | 15.5% | Pikeville, TN / 1,507 |
| 373. | 15.4% | Petersburg, TN / 760 |
| 374. | 12.0% | Samburg, TN / 327 |
| 375. | 11.6% | Gates, TN / 686 |
| 376. | 9.2% | Berry Hill, TN / 574 |
| 377. | 8.6% | Clifton, TN / 2,676 |
| 378. | 7.3% | Hunter, TN / 1,255 |
| 379. | 7.0% | Gallaway, TN / 578 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 10-20% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses with a Mortgage where Total Holding Costs 10-20% of Owner Income' data are not listed.
*ACS stands for U.S. Census American Community Survey. According to the U.S. Census, if the date is a range, you can interpret the data as an average of the period of time.