1st Advantage MortgageThe median Sheboygan County household earns $73,094, and 9% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Wisconsin license first.
On this page
- Sheboygan County, WI: the basics
- How much Sheboygan County households make
- Jobs and commutes in Sheboygan County
- Sheboygan County housing compared with Wisconsin
- Places inside Sheboygan County
- The counties around Sheboygan County
- What a median Sheboygan County budget can carry
- Sheboygan County residents: age, schooling, coverage
- Reading the Sheboygan County data as a borrower
- Checking a lender's license in Wisconsin
- Before you sign
- Related local guides
- Frequently asked questions
Sheboygan County, WI: the basics
Roughly 117,991 residents live in Sheboygan County, Wisconsin, 13th by population among the state's 72 counties and county equivalents. It covers 512 square miles of land, or about 231 people per square mile. For statistical purposes it belongs to the Sheboygan, WI metro area, as delineated by the Office of Management and Budget in July 2023. Of the 17 Census places inside Sheboygan County, Sheboygan leads by population with about 49,645; 13 of the 17 are incorporated.
How much Sheboygan County households make
Sheboygan County households have a median income of $73,094 (ACS 2020 to 2024), which ranks 35th of 72 in Wisconsin.
| Income band | Share in Sheboygan County | Difference from Wisconsin |
|---|---|---|
| Under $35,000 | 18.5% | -1.8 pts |
| $35,000 to $99,999 | 47.1% | +5.0 pts |
| $100,000 to $199,999 | 27.7% | -0.8 pts |
| $200,000 or more | 6.7% | -2.5 pts |
Some 18% of households here live on less than $35,000 a year; 34% have six-figure incomes. 8.5% of residents fall below the federal poverty line (statewide: 10.6%). Income inequality, measured by the Gini index, comes to 0.414 here. For a borrower in Sheboygan County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Sheboygan County
The biggest employer of Sheboygan County residents, by industry, is manufacturing at 31% of workers, followed by education and health care (19%). Manufacturing stands out: 31% of workers here, versus 18% statewide. Averaged over the five survey years, 2.7% of the labor force was out of work and looking. 6% of commuters travel 45 minutes or more each way, and 11% work from home.
| Where residents work | Sheboygan County | Difference from Wisconsin |
|---|---|---|
| Manufacturing | 30.8% | +13.0 pts |
| Education and health care | 18.6% | -4.7 pts |
| Retail trade | 9.5% | -1.6 pts |
| Arts, lodging and food service | 8.2% | +0.9 pts |
| Professional and administrative services | 7.0% | -2.4 pts |
| Finance, insurance and real estate | 5.5% | -0.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Sheboygan County should have bank statements and tax returns ready.
Sheboygan County housing compared with Wisconsin
A typical Sheboygan County rental runs $934 a month including utilities, which is 14% below Wisconsin. By the Census definition, 34% of Sheboygan County renters are cost-burdened. Home values center on $232,700, or 3.2 years of median income. Owners occupy 71% of homes.
| Sheboygan County | Wisconsin | U.S. county median | |
|---|---|---|---|
| Median gross rent | $934/mo | $1,087/mo | $877/mo |
| Median home value | $232,700 | $266,500 | $185,300 |
| Owners | 71% | 68% | 75% |
| Rent-burdened renters | 34% | 44% | 45% |
| Burdened owners | 20% | 22% | n/a |
| Mobile homes | 2.2% | 3.1% | n/a |
| Vacant units | 6% | 11% | n/a |
Places inside Sheboygan County
17 Census places fall mainly inside Sheboygan County; the 14 biggest are below. They account for 84,441 residents, leaving about 28% of the county in unincorporated, unnamed areas. Kohler has the highest median household income on the list ($135,833) and Sheboygan the lowest ($62,927), counting places with at least 500 residents. Rent is cheapest in Howards Grove ($696) and steepest in Kohler ($2,054). This guide covers each of the 17 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Sheboygan | city | 49,645 | $62,927 | $924 | 0 mi |
| Plymouth | city | 8,890 | $68,038 | $914 | 12 mi |
| Sheboygan Falls | city | 8,547 | $71,477 | $883 | 5 mi |
| Howards Grove | village | 3,223 | $78,333 | $696 | 8 mi |
| Oostburg | village | 3,058 | $87,857 | $936 | 8 mi |
| Cedar Grove | village | 2,402 | $84,344 | $1,022 | 13 mi |
| Kohler | village | 2,175 | $135,833 | $2,054 | 2 mi |
| Random Lake | village | 1,575 | $89,601 | $858 | 17 mi |
| Elkhart Lake | village | 1,092 | $94,250 | $1,000 | 15 mi |
| Hingham | CDP | 960 | $98,571 | $1,018 | 11 mi |
| Cascade | village | 620 | $79,750 | $797 | 15 mi |
| Gibbsville | CDP | 529 | $129,583 | n/a | 8 mi |
| Waldo | village | 506 | $93,750 | $880 | 12 mi |
| Glenbeulah | village | 435 | $88,125 | $850 | 16 mi |
The counties around Sheboygan County
Distances run center to center, from Ozaukee County at 17 miles out to Winnebago County at 52. Income ranges from $69,148 in Manitowoc County to $96,996 in Ozaukee County; 5 of these neighbors top Sheboygan County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Sheboygan County | - | $73,094 | $934/mo | 71% |
| Ozaukee County, WI | 17 mi | $96,996 | $1,154/mo | 73% |
| Manitowoc County, WI | 30 mi | $69,148 | $797/mo | 77% |
| Calumet County, WI | 34 mi | $88,810 | $1,073/mo | 80% |
| Washington County, WI | 35 mi | $96,359 | $1,153/mo | 78% |
| Fond du Lac County, WI | 38 mi | $74,275 | $960/mo | 71% |
| Winnebago County, WI | 52 mi | $74,925 | $965/mo | 66% |
What a median Sheboygan County budget can carry
Here is the Sheboygan County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $6,091 before taxes
- 15% goes to median rent ($934)
- $1,259: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Sheboygan County land in very different places on this math, so run it for your own budget.
Sheboygan County residents: age, schooling, coverage
Degree holders: 27% of adults over 25. The uninsured rate is 4.0%, against 5.2% for Wisconsin.
| People and households | Sheboygan County | Wisconsin | Median county |
|---|---|---|---|
| Median age | 41.7 | 40.2 | 41.5 |
| Bachelor's or higher | 27.5% | 33.4% | 22.2% |
| No high school diploma | 6.5% | 6.4% | n/a |
| No health insurance | 4.0% | 5.2% | 7.8% |
| No vehicle | 5.2% | 6.4% | 5.4% |
| Work from home | 10.9% | 13.1% | 8.7% |
| Poverty rate | 8.5% | 10.6% | 13.2% |
| Unemployment (ACS) | 2.7% | 3.2% | 4.4% |
| Minutes to work | Sheboygan County workers |
|---|---|
| Under 15 min | 46.2% |
| 15 to 29 min | 37.4% |
| 30 to 44 min | 10.0% |
| 45 to 59 min | 2.8% |
| 60+ min | 3.6% |
Reading the Sheboygan County data as a borrower
Where the Sheboygan County numbers stand out, and why it matters for a loan:
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Checking a lender's license in Wisconsin
Sheboygan County borrowers fall under statewide rules, enforced by the Wisconsin Department of Financial Institutions. Problems with a lender can also go to the CFPB. See the Wisconsin state guide for the statewide picture.
Before you sign
Quick steps for Sheboygan County:
- Get a written quote for whatever you are paying for in Sheboygan County.
- Compare the total repaid on every offer, not just the payment.
- A Wisconsin license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Related local guides
For statewide rules and data, see the Wisconsin guide.
Frequently asked questions
How much do households in Sheboygan County earn?
The median is $73,094; 34% earn $100,000 or more and 18% under $35,000. A lender uses your own documented income, not this figure.
How does Sheboygan County rent compare with Wisconsin?
$934 locally versus $1,087 for the state, 14% below.
I live in a small Sheboygan County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Sheboygan, Plymouth, Sheboygan Falls, Howards Grove, Oostburg and 12 more.
Will a Sheboygan County address affect my match?
Beyond confirming Wisconsin as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Sheboygan County residents?
The Wisconsin Department of Financial Institutions licenses consumer lenders in Wisconsin; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.