Sheboygan County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.74, -87.73.
Assembled 2026-10-19. Read the brief.
- 75th pct · 754th of 3,063 US counties · median $230,451
- 70th pct · 22nd of 72 Wisconsin counties · median $298,510
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
- 76th pct · 727th of 3,062 US counties · median +2.9%
- 36th pct · 46th of 72 Wisconsin counties · median +6.0%
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
- 35th pct · 883rd of 1,358 US counties · median $1,506
- 67th pct · 13th of 38 Wisconsin counties · median $1,275
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
- 86th pct · 448th of 3,221 US counties · median 8,232
- 84th pct · 12th of 72 Wisconsin counties · median 15,405
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
- 89th pct · 345th of 3,221 US counties · median $1,039
- 95th pct · 4th of 72 Wisconsin counties · median $1,037
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
- 55th pct · 1,371st of 3,063 US counties · median 4.2
- 12th pct · 63rd of 72 Wisconsin counties · median 5.4
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $324,244 (Sep 2026), +5.3% over one year, +42.6% over five
- 75th pct · 754th of 3,063 US counties · median $230,451
- 70th pct · 22nd of 72 Wisconsin counties · median $298,510
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sheboygan County, WI | $324,244 · +5.3% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,344/mo (Sep 2026), +4.7% over one year; price-to-rent 20.1
- 35th pct · 883rd of 1,358 US counties · median $1,506
- 67th pct · 13th of 38 Wisconsin counties · median $1,275
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sheboygan County, WI | $1,344/mo · +4.7% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,796 a month on $324,244 at 7.40%, against an average weekly wage worth $6,041 a month: 29.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $324,244 × 80% = $259,395, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,796/mo principal and interest
- wage share = payment / (avg weekly wage $1,394 × 52 / 12 = $6,041) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $324,244 / ($1,394 × 52) = 4.5
- price-to-rent = $324,244 / ($1,344 × 12) = 20.1
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
59,509 jobs at 3,109 employers (2026 Q1); -0.6% jobs and +5.4% average weekly wage over the year
- 86th pct · 448th of 3,221 US counties · median 8,232
- 84th pct · 12th of 72 Wisconsin counties · median 15,405
- counties in the Sheboygan metro: Rank context is unavailable: the manifest lists 1 counties in the Sheboygan metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sheboygan County, WI | 59,509 jobs · $1,394/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 20,594 | $1,636 | 4.30 | -1.1% |
| Health care and social assistance | 7,635 | $1,780 | 0.85 | +0.0% |
| Retail trade | 5,890 | $663 | 1.02 | -0.3% |
| Accommodation and food services | 4,186 | $396 | 0.78 | +0.0% |
| Finance and insurance | 2,830 | $3,023 | 1.17 | -0.2% |
| Construction | 2,617 | $1,436 | 0.84 | +4.1% |
| Administrative and waste services | 1,596 | $793 | 0.47 | +11.2% |
| Wholesale trade | 1,395 | $1,599 | 0.61 | -3.2% |
| Other services | 1,198 | $667 | 0.67 | -3.0% |
| Professional and technical services | 1,130 | $1,731 | 0.28 | -6.7% |
| Management of companies | 939 | $2,038 | 0.94 | +5.3% |
| Arts, entertainment and recreation | 694 | $583 | 0.71 | -4.4% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
78 gauges · 0 flooding · 4 with quality panels averaging 94 % · 55 stale
Sites found: 78, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| SHEBOYGAN RIVER AT NEW JERSEY AVE AT SHEBOYGAN, WI | stage 579.1 ft · STALE | 1 km |
| SHEBOYGAN RIVER AT SHEBOYGAN, WI | flow 359.0 ft³/s · no flooding | 2 km |
| FISHER CREEK AT HOWARDS GROVE, WI | flow 4.26 ft³/s · STALE | 13 km |
| OTTER CREEK AT WILLOW ROAD NEAR PLYMOUTH, WI | flow 4.68 ft³/s · STALE | 16 km |
| OTTER CREEK AT LAACK FARM NEAR PLYMOUTH, WI | flow 1.50 ft³/s · STALE | 17 km |
| USGS-435414087471400 | flow 0.00 ft³/s · STALE | 19 km |
| USGS-435440087463800 | flow 0.00 ft³/s · STALE | 20 km |
| USGS-435441087463900 | flow 0.00 ft³/s · STALE | 20 km |
| USGS-435444087462300 | flow 0.00 ft³/s · STALE | 20 km |
| MEEME RIVER AT SOUTH CLEVELAND RD NR CLEVELAND, WI | flow 3.60 ft³/s · STALE | 20 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
14 wells in 0 named aquifers:
Sites found: 14, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-434500088260301 | depth 4.04 ft · 2020-11-12 | 56 km |
| USGS-434458088260601 | depth 10.2 ft · 2020-11-12 | 57 km |
| USGS-434505088260601 | depth 2.15 ft · 2020-11-12 | 57 km |
| USGS-434459088260701 | depth 7.89 ft · 2020-11-12 | 57 km |
| USGS-434502088260901 | depth 6.85 ft · 2020-11-12 | 57 km |
| USGS-434508088260901 | depth 2.61 ft · 2020-11-12 | 57 km |
| USGS-434506088261201 | depth 11.6 ft · 2020-09-26 | 57 km |
| USGS-434512088261402 | depth 0.83 ft · 2020-11-12 | 57 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$3.0 bn in deposits at 29 offices of 13 banks (SOD June 2026); HHI 1,154, moderately concentrated. $836.2 m federal obligations in FY2026 (direct payments $744.1 m, contracts $60.5 m), $14,052 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank First, N.A. | $676.5 m · 22.7% share · 2 offices | |
| Oostburg State Bank | $388.4 m · 13.0% share · 4 offices | |
| UMB Bank, National Association | $294.6 m · 9.9% share · 4 offices | |
| Sheboygan, WI | $836.2 m FY2026 · $14,052/job | |
| MULTIPLE RECIPIENTS | $730.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank First, N.A. | $676,534,000 | 22.7% | 2 |
| Oostburg State Bank | $388,370,000 | 13.0% | 4 |
| UMB Bank, National Association | $294,577,000 | 9.9% | 4 |
| Wells Fargo Bank, National Association | $288,034,000 | 9.7% | 2 |
| Associated Bank, National Association | $262,611,000 | 8.8% | 1 |
| U.S. Bank National Association | $216,836,000 | 7.3% | 2 |
| National Exchange Bank and Trust | $214,920,000 | 7.2% | 5 |
| BMO Bank National Association | $212,754,000 | 7.1% | 3 |
| Waldo State Bank | $127,390,000 | 4.3% | 1 |
| Cleveland State Bank | $96,649,000 | 3.2% | 2 |
Deposit concentration is 1,154 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 22.7² + 13.0² + 9.9² + … (10 more) = 1,154
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $684,801,287 |
| Department of Transportation | $50,329,126 |
| Department of Veterans Affairs | $44,367,387 |
| Department of Agriculture | $22,552,073 |
| Department of Defense | $18,637,284 |
| Department of Housing and Urban Development | $9,400,866 |
| Department of Education | $3,244,447 |
| Department of Health and Human Services | $1,538,782 |
| Railroad Retirement Board | $699,802 |
| Department of Justice | $582,000 |
| Department of Commerce | $289,178 |
| Department of Homeland Security | $4,546 |
That is $14,052 per covered job, against 59,509 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $836.2 m / 59,509 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,052
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Sheboygan County, WI: 12 findings, 5 at a watch level and 7 noted
watchSheboygan County, WI's covered employment is -0.6% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSheboygan County, WI's years of wages of 4.5 scores 55 on the 0-to-100 scale across US counties but 13 across Wisconsin counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |55 across US counties - 13 across Wisconsin counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchSheboygan County, WI's price-to-rent ratio of 20.1 scores 75 on the 0-to-100 scale across US counties but 35 across Wisconsin counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |75 across US counties - 35 across Wisconsin counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchSheboygan County, WI's typical home value of +5.3% scores 76 on the 0-to-100 scale across US counties but 37 across Wisconsin counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |76 across US counties - 37 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchSheboygan County, WI's typical asking rent of $1,344 scores 35 on the 0-to-100 scale across US counties but 68 across Wisconsin counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |35 across US counties - 68 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.