In 2011 the estimated median income for a household in the city was $44,846, and the median income for a family was $53,896. Males had a median income of $42,120 versus $31,362 for females. The per capita income for the city was $25,041. About 9.6% of families and 14.4% of the population were below the poverty line, including 15.1% of those under age 18 and 12.8% of those age 65 or over. The population was 180,480 at the 2000 United States Census; in 2010, its population had risen to 225,221, making it the third-largest city in the state after Las Vegas, Nevada and Henderson, Nevada, and the largest outside Clark County, Nevada. Reno lies  north of the Nevada state capital, Carson City, Nevada, and  northeast of Lake Tahoe in a shrub-steppe environment. Reno shares its eastern border with the city of Sparks and is the larger of the principal cities of the Reno-Sparks metropolitan area (MSA), a United States metropolitan area that covers Storey County, Nevada and Washoe counties. The MSA had a combined population of 425,417 at the 2010 United States Census. The MSA is combined with the Lyon County, Nevada to form the Reno-Sparks-Fernley, NV CSA Combined Statistical Area, which had a total population of 477,397 at the 2010 census.. How many counties are in the MSA?