Sheboygan County, Wisconsin: commercial real estate data.
Sheboygan County, Wisconsin had an estimated 118,331 residents on July 1, 2024, up 0.3 percent since the 2020 census base of 118,033, across 511 square miles. County output reached $9.43 bn in 2024, 2,671 establishments operate here, and the SBA record carries 244 7(a) approvals worth $127.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sheboygan County
How many people live in Sheboygan County
- Population, American Community Survey 2020-2024117,991
- Households49,725
- Average household size2.37
- Median household income$73,094
- Median age41.7
- Median gross rent$934 per month
- Median owner-occupied home value$232,700
- Home value to household income3.2 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher27.5 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over82,942
- Population under 1825,396
- Share under 1821.5 percent
- Population 65 and over23,125
- Share 65 and over19.6 percent
- Working age population, 18 to 6469,470
- Civilian labor force62,060
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over67.0 percent
- Rank by population among Wisconsin counties13th of 72
- Rank by population among US county-equivalents, Puerto Rico included542nd of 3,222
Sheboygan County is the 13th largest of 72 Wisconsin counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 19.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sheboygan County
Is Sheboygan County's population growing?
- Population, July 1, 2024118,331
- Census 2020 base population118,033
- Population change since the 2020 census base0.25 percent
- Population change, 2023 to 2024336
- Births, 20241,136
- Deaths, 20241,189
- Natural change, 2024-53
- Net domestic migration, 2024-85
- Net international migration, 2024471
- Total net migration, 2024386
- Cumulative net domestic migration, 2021 to 2024-456
- Rank by growth among US county-equivalents1736th of 3,144
The county has grown 0.25 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sheboygan County
Where are people moving to Sheboygan County from?
- Tax returns filed by households arriving2,324
- People arriving, from those returns3,844
- Tax returns filed by households leaving2,252
- Net household movement72
- Adjusted gross income arriving$140.8 m
- Net adjusted gross income movement$-19.0 m
- Average income of an arriving household$60,602
- Average income of a leaving household$70,998
- Largest single originMilwaukee County (235 households)
- Largest single destinationManitowoc County (221 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Milwaukee County | 235 | 388 | $13.1 m |
| Manitowoc County | 232 | 396 | $12.6 m |
| Ozaukee County | 186 | 324 | $11.0 m |
| Washington County | 105 | 180 | $7.1 m |
| Fond du Lac County | 101 | 157 | $5.9 m |
| Dane County | 67 | 97 | $3.2 m |
| Brown County | 63 | 88 | $2.9 m |
| Waukesha County | 61 | 99 | $4.0 m |
Households arriving report $10,396 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Milwaukee County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Sheboygan County
What is the Sheboygan County economy?
- County GDP, 2024$9.43 bn
- County GDP, 2023$8.92 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years28.8 percent
- Rank by GDP among the Wisconsin areas BEA publishes12th of 72
- Rank by GDP among the US county areas BEA publishes463rd of 3,127
- GDP per resident$79,930
Output grew 5.7 percent in the latest year and 28.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Sheboygan County
Employment by industry in Sheboygan County
- Covered employment, annual average61,178
- Establishments reporting3,046
- Average annual pay$63,379
- Average weekly wage$1,219
- Manufacturing, employment21,705
- Manufacturing, average annual pay$75,574
- Health care and social assistance, employment7,528
- Health care and social assistance, average annual pay$81,404
- Retail trade, employment5,890
- Retail trade, average annual pay$32,416
- Accommodation and food services, employment4,435
- Accommodation and food services, average annual pay$20,571
- Finance and insurance, employment2,798
- Construction, employment2,542
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 21,705 | 207 | $75,574 |
| Health care and social assistance | 7,528 | 578 | $81,404 |
| Retail trade | 5,890 | 325 | $32,416 |
| Accommodation and food services | 4,435 | 293 | $20,571 |
| Finance and insurance | 2,798 | 166 | $103,429 |
| Construction | 2,542 | 261 | $72,297 |
| Administrative and support and waste management services | 1,582 | 138 | $38,146 |
| Wholesale trade | 1,445 | 145 | $79,194 |
Manufacturing is the largest private sector at 21,705 jobs, 35.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sheboygan County
How many businesses are in Sheboygan County?
- Establishments, all industries2,671
- Employment at those establishments53,030
- Annual payroll$3.00 bn
- Establishments per 1,000 residents22.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Sheboygan County
Building permits in Sheboygan County
- Housing units authorized by permit, 2024292
- Declared construction value permitted$91.0 m
- Single family units authorized232
- Multifamily units authorized60
- Multifamily share of units20.5 percent
- Average declared value per unit$311,682
- Units authorized per 1,000 households5.9
Single-family homes are 79.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sheboygan County
SBA loans in Sheboygan County (7(a) and 504)
- 7(a) approvals recorded244
- 7(a) gross approval dollars$127.4 m
- Average 7(a) approval$522,149
- Median 7(a) approval$266,250
- 10th percentile approval$50,000
- 90th percentile approval$1,140,750
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,998
- Jobs per approval12.3
- Distinct 7(a) lenders active42
- Distinct industries receiving approvals105
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.7 percent
- Loans on real estate terms70
- Loans on working capital terms, 120 months or shorter148
- Franchise loans22
- Franchise share of approvals9.0 percent
- Leading industry by approval countFull-Service Restaurants (14)
- Most active lenderOostburg State Bank (62)
- 504 approvals recorded64
- 504 gross approval dollars$51.3 m
- Average 504 approval$801,266
- Median 504 approval$575,500
- Distinct CDCs active2
- 504 jobs per approval10.7
- 504 jobs per million dollars approved13.4
- Most active CDCWBD, Inc. (55)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$178.7 m
The average approval of $522,149 sits well above the median of $266,250, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 28.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Sheboygan County
SBA loan default and charge-off rates in Sheboygan County
Do SBA loans in Sheboygan County get paid back?
- Loans with a final outcome recorded51
- Paid in full50
- Charged off1
- Charge-off rate on resolved loans2.0 percent
- Status: Paid in full50
- Status: Exempt from disclosure168
- Status: Cancelled18
- Status: Charged off1
- Status: Committed, not yet disbursed7
Of the 51 loans that have reached a final outcome, 2.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sheboygan County
SBA lending by place in Sheboygan County
- Borrower cities with recorded lending15
- Sheboygan, approvals120
- Plymouth, approvals45
- Sheboygan Falls, approvals35
- Elkhart Lake, approvals8
- Howards Grove, approvals8
- Oostburg, approvals7
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sheboygan | 120 | $60,750,400 |
| Plymouth | 45 | $25,645,100 |
| Sheboygan Falls | 35 | $17,084,300 |
| Elkhart Lake | 8 | $5,947,000 |
| Howards Grove | 8 | $2,450,300 |
| Oostburg | 7 | $831,600 |
| Cascade | 4 | $2,402,500 |
| Waldo | 4 | $696,000 |
| 7 other borrower cities | 13 | $11,597,200 |
Sheboygan accounts for 120 approvals against 45 in Plymouth. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sheboygan County
How large is Sheboygan County?
- Land area511 sq mi
- Rank by land area among Wisconsin counties57th of 72
- Width, east to west23.1 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land231
- Establishments per square mile5.23
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Sheboygan County
Flood risk in Sheboygan County
- Participation of the county's own NFIP community Sheboygan County, unincorporated areasParticipating, community 550424
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP9
- NFIP participation rate69.2 percent
- Communities carrying a CRS class0
- Radon levels in Sheboygan County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Sheboygan County (community 550424), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Sheboygan County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 69.2 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Sheboygan County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Sheboygan County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024117,991
- Households49,725
- Average household size2.37
- Median household income$73,094
- Median age41.7
Common questions
Sheboygan County questions, answered from the record.
How many people live in Sheboygan County, Wisconsin?
The Census Bureau estimates 118,331 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 117,991, in 49,725 households, ranking 13th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sheboygan County's population growing?
The population has grown 0.25 percent since the 2020 census base of 118,033, to 118,331 on July 1, 2024. In 2024 there were 1,136 births against 1,189 deaths, with net migration of 386. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sheboygan County?
$73,094. The median owner-occupied home is valued at $232,700, which is 3.2 times income, and median gross rent is $934 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sheboygan County?
2,671 establishments, employing 53,030 people with an annual payroll of $3.00 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sheboygan County?
Manufacturing is the largest private sector at 21,705 jobs, 35.5 percent of covered employment. Covered employment averages 61,178 jobs at an average annual pay of $63,379, or $1,219 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sheboygan County?
244 7(a) approvals totaling $127.4 m since FY2020, across 42 lenders, with a median approval of $266,250, plus 64 504 approvals worth $51.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sheboygan County get paid back?
Of the 51 loans that have reached a final outcome, 50 were paid in full and 1 charged off, a charge-off rate of 2.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Sheboygan County?
292 housing units were authorized by permit in 2024, with a declared construction value of $91.0 m. Multifamily was 20.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sheboygan County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Sheboygan County come from?
The largest single origin is Milwaukee County, with 235 households. Arriving households report an average income of $60,602 against $70,998 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sheboygan County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Sheboygan County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Sheboygan County
Cities and places in Sheboygan.
17 Census places lie wholly or partly in Sheboygan County. All 17 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Sheboygan | city | 49,645 | 120 | Wholly in this county |
| Plymouth | city | 8,890 | 45 | Wholly in this county |
| Sheboygan Falls | city | 8,547 | 35 | Wholly in this county |
| Howards Grove | village | 3,223 | 8 | Wholly in this county |
| Oostburg | village | 3,058 | 7 | Wholly in this county |
| Cedar Grove | village | 2,402 | 1 | Wholly in this county |
| Kohler | village | 2,175 | None recorded | Wholly in this county |
| Random Lake | village | 1,575 | 2 | Wholly in this county |
| Elkhart Lake | village | 1,092 | 8 | Wholly in this county |
| Hingham | CDP | 960 | None recorded | Wholly in this county |
| Cascade | village | 620 | 4 | Wholly in this county |
| Gibbsville | CDP | 529 | None recorded | Wholly in this county |
| Waldo | village | 506 | 4 | Wholly in this county |
| Glenbeulah | village | 435 | 3 | Wholly in this county |
| Adell | village | 419 | 3 | Wholly in this county |
| Batavia | CDP | 239 | None recorded | Wholly in this county |
| Greenbush | CDP | 126 | None recorded | Wholly in this county |
A further 4 of the county's 244 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sheboygan County, the largest being Plymoth (2), Cleveland (1), Plyomouth (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby