1st Advantage MortgageIn Cheyenne County, Nebraska, the typical household earns $60,348 a year and the typical rent is $821. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Cheyenne County by the numbers
- Household income in Cheyenne County
- Employment and commuting in Cheyenne County
- Renting and owning in Cheyenne County
- The communities that make up Cheyenne County
- Regional comparison for Cheyenne County
- Cheyenne County residents: age, schooling, coverage
- Reading the Cheyenne County data as a borrower
- Debt-to-income at Cheyenne County's medians
- Lender oversight for Cheyenne County
- Four steps for Cheyenne County borrowers
- More guides for Cheyenne County
- Frequently asked questions
Cheyenne County by the numbers
With an estimated 9,533 residents (ACS 2020 to 2024), Cheyenne County ranks 28th of 93 in Nebraska for population. It covers 1,196 square miles of land, or about 8 people per square mile. No metropolitan area includes Cheyenne County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 7 places in the county (5 incorporated, 2 census-designated); the largest is Sidney, with about 6,419 residents, or 67% of the county. Small populations mean wide margins of error, so read every Cheyenne County figure on this page as a rough guide.
Household income in Cheyenne County
The median household income in Cheyenne County is $60,348; statewide it is $76,475, so Cheyenne County runs 21% below Nebraska as a whole. That places it 77th among Nebraska's 93 county-level areas.
| Household income | Cheyenne County | vs Nebraska |
|---|---|---|
| Under $35,000 | 28.3% | +7.6 pts |
| $35,000 to $99,999 | 46.5% | +4.6 pts |
| $100,000 to $199,999 | 22.3% | -5.6 pts |
| $200,000 or more | 2.8% | -6.6 pts |
The spread is wide: 25% of Cheyenne County households make $100,000 or more, and 28% make less than $35,000. The poverty rate is 14.3%, 4 points higher than the state's 10.6%. A household earning below the $60,348 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Cheyenne County
Education and health care employs 25% of working residents, the largest share; retail trade is next with 12%. The sharpest difference from the state is in transportation, warehousing and utilities, at 11% locally and 6% for Nebraska. Averaged over the five survey years, 3.4% of the labor force was out of work and looking. 10% of commuters travel 45 minutes or more each way, and 11% work from home. Only 4.3% of homes here go without a vehicle.
| Industry | Share of Cheyenne County workers | vs Nebraska |
|---|---|---|
| Education and health care | 25.3% | +0.9 pts |
| Retail trade | 12.1% | +1.5 pts |
| Transportation, warehousing and utilities | 11.4% | +5.4 pts |
| Professional and administrative services | 9.3% | -0.1 pts |
| Agriculture, forestry and mining | 6.9% | +2.6 pts |
| Arts, lodging and food service | 6.7% | -0.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Renting and owning in Cheyenne County
Median gross rent, utilities included, comes to $821 in Cheyenne County versus $1,072 statewide. By the Census definition, 43% of Cheyenne County renters are cost-burdened. Home values center on $139,700, or 2.3 years of median income. The ownership rate is 67%.
| Cheyenne County | Nebraska | U.S. county median | |
|---|---|---|---|
| Median gross rent | $821/mo | $1,072/mo | $877/mo |
| Median home value | $139,700 | $238,600 | $185,300 |
| Owners | 67% | 67% | 75% |
| Rent-burdened renters | 43% | 45% | 45% |
| Burdened owners | 27% | 22% | n/a |
| Mobile homes | 4.8% | 2.9% | n/a |
The communities that make up Cheyenne County
Here are the 7 most populous of the county's 7 Census places, with income and rent from the same 2020 to 2024 survey. About 81% of Cheyenne County residents live in one of the 7. No Cheyenne County place has a separate guide yet; this county page serves all 7.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Sidney | city | 6,419 | $54,734 | $819 | 6 mi |
| Dalton | village | 435 | $66,042 | $883 | 14 mi |
| Potter | village | 283 | $76,250 | $875 | 15 mi |
| Lodgepole | village | 223 | $25,341 | $725 | 20 mi |
| Gurley | village | 207 | $60,952 | $633 | 8 mi |
| Sunol | CDP | 123 | $38,510 | n/a | 14 mi |
| Lorenzo | CDP | 12 | n/a | n/a | 11 mi |
Regional comparison for Cheyenne County
Distances run center to center, from Logan County at 34 miles out to Banner County at 43. Banner County leads the group on income ($78,839), Logan County trails ($51,829), and Cheyenne County out-earns 4 of the six. Some neighbors are in Colorado. Lender licensing is state by state, so a loan for a Cheyenne County resident follows Nebraska rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Cheyenne County | - | $60,348 | $821/mo | 67% |
| Logan County, CO | 34 mi | $51,829 | $1,013/mo | 66% |
| Morrill County, NE | 36 mi | $58,500 | $768/mo | 77% |
| Kimball County, NE | 36 mi | $56,712 | $846/mo | 75% |
| Deuel County, NE | 36 mi | $70,096 | $872/mo | 82% |
| Sedgwick County, CO | 42 mi | $52,386 | $774/mo | 72% |
| Banner County, NE | 43 mi | $78,839 | $975/mo | 68% |
Cheyenne County residents: age, schooling, coverage
23% of Cheyenne County adults 25 and older hold a bachelor's degree or more. About 7% go without health insurance.
| Cheyenne County | Nebraska | U.S. county median | |
|---|---|---|---|
| Median age | 42.5 | 37.2 | 41.5 |
| Bachelor's or higher | 23.2% | 34.6% | 22.2% |
| No high school diploma | 7.7% | 7.8% | n/a |
| No health insurance | 6.8% | 7.2% | 7.8% |
| No vehicle | 4.3% | 5.4% | 5.4% |
| Work from home | 11.3% | 11.0% | 8.7% |
| Poverty rate | 14.3% | 10.6% | 13.2% |
| Unemployment (ACS) | 3.4% | 3.0% | 4.4% |
| Commute length | Cheyenne County |
|---|---|
| Under 15 min | 60.6% |
| 15 to 29 min | 21.0% |
| 30 to 44 min | 8.5% |
| 45 to 59 min | 7.5% |
| 60+ min | 2.4% |
Reading the Cheyenne County data as a borrower
The county's numbers point to a few situations that come up often for Cheyenne County borrowers.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Debt-to-income at Cheyenne County's medians
How much room does a median Cheyenne County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $5,029 gross per month ($60,348 / 12)
- Housing at the median rent of $821 uses 16%
- $989: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Cheyenne County land in very different places on this math, so run it for your own budget.
Lender oversight for Cheyenne County
Consumer lenders serving Cheyenne County are licensed by the state, not the county; in Nebraska that is the Nebraska Department of Banking and Finance. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Nebraska guide.
Four steps for Cheyenne County borrowers
A short checklist for Cheyenne County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Confirm the first due date before setting up autopay.
More guides for Cheyenne County
For statewide rules and data, see the Nebraska guide.
Frequently asked questions
What is the median household income in Cheyenne County?
$60,348 a year in the 2020 to 2024 Census survey, versus $76,475 for Nebraska. It ranks 77th of 93 in the state.
How much is rent in Cheyenne County?
Median gross rent, utilities included, is $821 a month; 43% of renters spend 30% or more of income on it.
What are the biggest places in Cheyenne County?
By population: Sidney, Dalton, Potter, Lodgepole, Gurley. The county has 7 Census places in all.
Will a Cheyenne County address affect my match?
Beyond confirming Nebraska as your state, no. Your answers about amount, credit, income and payments are all that count.
Who do I complain to about a lender in Cheyenne County?
Start with the Nebraska Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.