1st Advantage MortgageAbout 84% of Sheridan County homes are owner-occupied, and the median household income is $62,639. 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
- A quick profile of Sheridan County
- Sheridan County housing compared with North Dakota
- Paychecks and income spread in Sheridan County
- How Sheridan County residents earn a living
- How Sheridan County compares with nearby counties
- Towns and communities in Sheridan County
- A Sheridan County household budget, worked through
- Who lives in Sheridan County, in numbers
- Borrowing situations common in Sheridan County
- Licensing and complaints for Sheridan County
- Checklist for Sheridan County applicants
- Related local guides
- Frequently asked questions
A quick profile of Sheridan County
Sheridan County is home to about 1,303 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 51st most populous of 53 county-level areas in North Dakota. It covers 972 square miles of land, or about 1 people per square mile. Under the July 2023 OMB definitions, Sheridan County is not part of any metropolitan area. McClusky is the biggest of its 4 Census places, at roughly 327 people (25% of the county total). Small populations mean wide margins of error, so read every Sheridan County figure on this page as a rough guide.
Sheridan County housing compared with North Dakota
A typical Sheridan County rental runs $373 a month including utilities, which is 61% below North Dakota. Rent takes 30% or more of income for 26% of renter households here. The median owner-occupied home is valued at $110,300, about 1.8 times the median household income. 84% of Sheridan County households own their home and 16% rent. Median construction year: 1967.
| Home costs | Sheridan County | North Dakota | U.S. middle county |
|---|---|---|---|
| Median gross rent | $373/mo | $954/mo | $877/mo |
| Median home value | $110,300 | $249,900 | $185,300 |
| Owners | 84% | 63% | 75% |
| Rent-burdened renters | 26% | 39% | 45% |
| Burdened owners | 21% | 21% | n/a |
| Vacant units | 19% | 12% | n/a |
Because most Sheridan County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Paychecks and income spread in Sheridan County
Sheridan County households have a median income of $62,639 (ACS 2020 to 2024), which ranks 44th of 53 in North Dakota.
| Households earning | Sheridan County | +/- vs North Dakota |
|---|---|---|
| Under $35,000 | 24.1% | +2.6 pts |
| $35,000 to $99,999 | 46.1% | +4.8 pts |
| $100,000 to $199,999 | 23.4% | -4.1 pts |
| $200,000 or more | 6.4% | -3.3 pts |
The spread is wide: 30% of Sheridan County households make $100,000 or more, and 24% make less than $35,000. The poverty rate is 10.1%, 1 point lower than the state's 10.8%. For a borrower in Sheridan 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.
How Sheridan County residents earn a living
By the Census industry count, 23% of employed Sheridan County residents work in agriculture, forestry and mining and 18% in education and health care. Compared with North Dakota, the county leans toward agriculture, forestry and mining (23% against 8%). The survey's unemployment rate for Sheridan County averages 1.1% over 2020 to 2024 (state: 2.8%). About 71% drive to work alone and 13% have trips of 45 minutes or more.
| Where residents work | Sheridan County | Difference from North Dakota |
|---|---|---|
| Agriculture, forestry and mining | 23.5% | +15.5 pts |
| Education and health care | 17.8% | -7.9 pts |
| Construction | 14.5% | +7.4 pts |
| Retail trade | 9.8% | -1.6 pts |
| Professional and administrative services | 6.6% | -0.9 pts |
| Arts, lodging and food service | 6.1% | -1.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Sheridan County should have bank statements and tax returns ready.
How Sheridan County compares with nearby counties
The six counties whose centers lie closest to Sheridan County's, from 30 to 53 miles away. Burleigh County leads the group on income ($86,851), Pierce County trails ($59,365), and Sheridan County out-earns 1 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Sheridan County | - | $62,639 | $373/mo | 84% |
| Wells County, ND | 30 mi | $66,114 | $648/mo | 77% |
| Burleigh County, ND | 42 mi | $86,851 | $998/mo | 71% |
| McHenry County, ND | 47 mi | $80,733 | $713/mo | 81% |
| Pierce County, ND | 48 mi | $59,365 | $850/mo | 82% |
| McLean County, ND | 51 mi | $83,583 | $784/mo | 84% |
| Kidder County, ND | 53 mi | $65,610 | $853/mo | 76% |
Towns and communities in Sheridan County
The table lists the 4 largest of 4 Census places in Sheridan County, by population. Together all 4 hold about 503 people, so roughly 61% of residents live outside any named place. None of the 4 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| McClusky | city | 327 | $42,750 | $365 | 9 mi |
| Goodrich | city | 85 | $80,000 | n/a | 12 mi |
| Martin | city | 80 | $43,750 | n/a | 20 mi |
| Denhoff | CDP | 11 | $65,625 | n/a | 7 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
A Sheridan County household budget, worked through
Here is the Sheridan County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Sheridan County: $5,220
- Rent at the median, $373, takes 7% of that
- At 36%, room after rent is $1,506 a month
If your rent is above $373, the room shrinks dollar for dollar.
Who lives in Sheridan County, in numbers
College graduates make up 19% of the adult population. About 6% go without health insurance.
| People and households | Sheridan County | North Dakota | Median county |
|---|---|---|---|
| Median age | 51.5 | 35.9 | 41.5 |
| Bachelor's or higher | 18.9% | 32.7% | 22.2% |
| No high school diploma | 9.8% | 6.0% | n/a |
| No health insurance | 6.3% | 6.5% | 7.8% |
| No vehicle | 3.0% | 5.9% | 5.4% |
| Work from home | 9.2% | 8.1% | 8.7% |
| Poverty rate | 10.1% | 10.8% | 13.2% |
| Unemployment (ACS) | 1.1% | 2.8% | 4.4% |
Borrowing situations common in Sheridan County
Based on the Sheridan County data above, these borrowing questions are most likely to matter locally.
- Retirees. At a median age of 51.5, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Advance-fee offers. No legitimate lender asks a Sheridan County borrower to pay first (scam signs).
Licensing and complaints for Sheridan County
Before sharing details with a lender, a Sheridan County resident can confirm its license with the North Dakota Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. See the North Dakota state guide for the statewide picture.
Checklist for Sheridan County applicants
Before you apply, wherever you live in Sheridan County:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Sheridan County-area credit union.
- Verify the North Dakota license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Related local guides
The North Dakota guide covers the whole state.
Frequently asked questions
Is Sheridan County a high-income county?
Its $62,639 median ranks 44th of 53 North Dakota counties and compares with $65,681 for the median U.S. county.
Is Sheridan County expensive for renters?
Median rent is $373 against $954 statewide, and 26% of renter households are cost-burdened.
Should Sheridan County homeowners use home equity instead?
Maybe, but weigh the risk: 84% of Sheridan County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover McClusky?
Yes, along with the other 3 Census places in Sheridan County, such as Goodrich, Martin, Denhoff.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Sheridan County or elsewhere in North Dakota, the same rules apply.