Quality & Affordability of Life
Housing
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Wisconsin faces a serious housing shortage in both urban and rural communities. In cities, demand far exceeds supply of affordable units – one study estimates the state needs nearly 230,000 new housing units by 2030 to meet population and workforce needs. The shortfall hits low-income renters especially hard: there is a statewide shortage of ~128,000 rental homes that are affordable and available to extremely low-income households. Many urban renters end up severely cost-burdened or unable to find housing at all. In rural areas, the issue is somewhat different – housing may be relatively cheaper or more available, but much of the stock is aging and substandard. Homes in parts of northwest Wisconsin, for example, have “some of the oldest median ages in the state,” meaning many houses are decades old and in need of major repairs. These older rural homes often have leaky roofs, outdated utilities, or structural issues that make them barely livable without significant investment. In short, cities lack enough units, while rural towns have units in poor condition – a dual housing crisis affecting affordability and quality of life.
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Neglected and aging housing in declining areas often remains unused due to lack of renovation capital. Many rural downtowns have second-story apartments or old homes that sit vacant for years because owners can’t afford to bring them up to code. This “renovation gap” leaves potentially affordable units off the market. The state and some communities are starting to respond – for instance, Wisconsin passed a law in 2023 dedicating $50 million to help renovate homes over 40 years old. Programs like WHEDA’s “Restore Main Street” offer low-interest loans up to $20,000 per unit to rehab empty upper-floor apartments in small-town commercial buildings. These efforts aim to “create affordable housing in mixed-use buildings” and turn blighted properties into quality homes. By investing in renovations, communities hope to both expand housing availability and revitalize downtowns. However, many areas still lack sufficient funding or incentives for needed renovations, so numerous houses and apartments remain in disrepair. Closing this renovation investment gap could unlock existing housing capacity and improve living standards in rural Wisconsin.
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The high cost of housing relative to incomes is burdening many Wisconsin residents, both in cities and rural areas. About one-quarter of Wisconsin households (26.4%) spend over 30% of their income on housing costs – above the common affordability threshold. This includes homeowners and renters who are “cost-burdened.” Among the lowest-income renters the situation is even more dire: approximately 73% of extremely low-income renter households are paying more than half their income on housing, a level defined as severe cost burden. Such households often must sacrifice necessities like food, healthcare, or transportation to keep a roof over their heads. In both urban and rural counties, many families struggle with rent or mortgage payments. For example, a study found over half of renters were cost-burdened in 5 Wisconsin counties, ranging from urban Milwaukee and Kenosha to rural Langlade and Iron County. Notably, some rural counties with relatively low rents still see very high burden rates because incomes there are so low. Overall, housing affordability challenges are widespread across the state. When families spend an outsized share of income on housing, they have less to spend on other needs, dampening their quality of life and economic security. Reducing this housing cost burden – through more affordable units, higher incomes, or assistance – remains a key challenge.
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Many Wisconsinites – and potential new residents – face significant barriers to relocating for jobs or family, due to both high moving costs and limited housing availability in target areas. The expenses of moving (such as paying movers or truck rental, security deposits, utility hookups, etc.) can easily run into thousands of dollars, posing a financial hurdle especially for low- or middle-income families. While there are some programs (for instance, trade adjustment assistance will reimburse 90% of moving costs for eligible displaced workers), most people shoulder the full cost, making relocation financially daunting. Even if one can afford the move, finding a place to live in the new community is often difficult. Housing shortages in many Wisconsin communities mean would-be movers simply can’t find an available affordable home. In fact, some employers report that a lack of local housing deters workers from taking jobs in certain areas. For example, officials in rural Sawyer County noted that industries are hesitant to relocate or expand there because there’s nowhere for employees to live. The same issue can prevent individuals from moving into a community to work – if all rentals are full or prices too high, they have little choice but to stay put. This combination of steep moving costs and tight housing supply effectively locks people in place, limiting labor mobility and family reunification.
Other Quality of Life Challenges
Childcare
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Childcare has become a crushing financial burden for families across Wisconsin. The cost of daycare or preschool often rivals a mortgage payment – caring for an infant and a 4-year-old costs the typical Wisconsin family about one-third of their income (33.6%). This far exceeds the federal recommendation that childcare consume no more than 7% of a household’s income. Even a single infant in full-time care can easily cost $10,000–$13,500 per year in Wisconsin. For young or lower-income parents, the percentage is even higher: at median income levels, childcare can eat up 36% of income for parents under age 25, and if they have two young children in care, it can climb to over 70% of their household income. In practical terms, many families (especially mothers) are forced to cut back work hours or leave the workforce because virtually an entire paycheck would go to childcare. High childcare costs are cited as a top reason couples delay having more children, contributing to the state’s declining birth rate (see below). The situation has been labeled a “child care crisis,” as providers also struggle – they can barely pay workers $13–14/hour, yet raising fees further would drive parents away. In short, Wisconsin families are in a bind: safe, quality childcare is essential but increasingly unaffordable, consuming a huge share of income and putting strain on household finances.
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Wisconsin, like much of the U.S., is experiencing a significant decline in birth rates, and economic factors are a major cause. In 2023, Wisconsin recorded about 59,700 births – the lowest annual number since 1941. The number of children in the state has dropped over 9% from 2000 to 2024. This decline means fewer young people in the long run, posing challenges for the future workforce and tax base. One key reason is that many would-be parents feel they simply can’t afford to have (more) children. Survey data nationally show almost half of young adults without kids don’t plan to ever have them. Wisconsin families echo these concerns, citing the rising cost of raising a child – now estimated at $310,000+ to age 18 (about 9% higher than just five years ago). Expenses like housing, childcare (as noted in our Housing problem set), healthcare, and education make larger families financially daunting. Millennials describe being caught in a spot where they earn too much to qualify for assistance but not enough to comfortably cover daycare and child expenses. As a result, people are marrying later, having fewer children, or foregoing parenthood. Wisconsin’s total fertility rate has fallen well below the replacement level of 2.1 – the U.S. is around 1.7 and Wisconsin likely similar or lower. This trend has long-term implications: fewer children now means fewer students in schools (already prompting school district consolidations) and fewer entrants to the workforce a couple decades from now. State leaders are concerned that without intervention (such as childcare support or family-friendly policies), the birth decline combined with low in-migration could lead to an overall population drop by mid-century. Supporting families with the costs of child-rearing could help encourage Wisconsinites to grow their families.
Education
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Wisconsin is grappling with severe teacher shortages in K–12 education, affecting both rural and urban schools. School administrators report that too few new teachers are entering the profession and many existing teachers are quitting, leading to hundreds of vacancies statewide. Both ends of the state are impacted: rural districts in sparsely populated areas struggle to attract applicants (some rural schools have had to contract with online/virtual teachers out-of-state just to cover classes), and urban districts like Milwaukee and Madison also cannot find enough educators, especially in certain subjects. STEM fields (science, math, technology) and special education are experiencing the most acute shortages. According to state data, special education is the top shortage area – Wisconsin has more open special ed teaching positions than any other category. Math and science teachers are also in desperately short supply. For instance, in the 2024–25 school year, Wisconsin designated dozens of districts as having critical shortages in math, science, and special ed instructors. The situation has been described as reaching “crisis level”. Schools report very few applicants for open jobs; some suburban and choice (voucher) schools have even had to close classrooms or turn students away due to lack of teaching staff. The shortage is fueled by teacher retirements, burnout (especially after the pandemic), relatively low salaries, and fewer college students pursuing education degrees. Notably, about 35–40% of new Wisconsin teachers leave the profession within 5 years, exacerbating retention problems. This ongoing teacher shortage threatens student outcomes – larger class sizes, canceled courses (particularly advanced STEM classes), and overstretched remaining teachers can all undermine educational quality. Addressing the shortage will likely require higher pay, “grow-your-own” programs (like teacher apprenticeship and residency pipelines), and other recruitment/retention strategies to ensure every Wisconsin classroom has a qualified teacher.
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Wisconsin’s K–12 school funding system has led to significant disparities in per-student resources, leaving many rural and high-poverty districts under-funded. Due to a combination of state aid formulas and local property tax revenue limits frozen since the 1990s, some districts can spend more than twice as much per pupil as others. In fact, public school spending ranges from as low as about $9,400 per student in some districts to over $21,000 per student in others. These huge gaps often track with community wealth: districts with a strong property tax base or that passed local referendums can raise more funds for schools, whereas poorer rural or inner-city districts are stuck near the minimum funding level. Notably, the revenue cap system in place since 1993 locked in historical disparities – districts that were low-spending 30 years ago have generally remained so, as they can only increase budgets modestly and have to go to referendum to exceed caps. Rural districts and high-poverty urban districts tend to be at the lower end of funding. A national study found Wisconsin is among just 12 states where the state provides less funding per student to rural schools than to urban schools – even though rural schools often have higher costs per student (due to small size and transportation needs) and a weaker local tax base. Many rural districts are in a budget squeeze: they’re still struggling to restore funding to pre-Great Recession levels and are often up against state-imposed revenue caps. As a result, rural and poor districts may have outdated materials, fewer course offerings or extracurriculars, and lower teacher salaries compared to wealthier districts. These inequities in resources can translate to differences in educational opportunities for students. Efforts to reform the school funding formula (such as proposals for “weighted student funding” that gives extra dollars for low-income or rural students) have been debated, but major changes have yet to occur. The funding gaps remain a contentious issue, with leaders noting it’s hard for all students to meet high standards when school resources are so uneven.
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Wisconsin students have been underperforming in STEM-related academics in recent years, consistently falling short of desired proficiency benchmarks and, in some cases, trailing national averages. On state exams, fewer than half of students are demonstrating grade-level proficiency in math and science. In 2023–24, about 49.4% of Wisconsin public school students met the math standards for their grade (and only ~48% in English Language Arts) – meaning over half of students are below grade-level expectations. This was after the state lowered the proficiency cut-scores; under the old standard, less than 40% were considered proficient in math. The lackluster performance is especially apparent in STEM subjects: for example, the National Assessment (NAEP) results show Wisconsin’s average math scores have stagnated. In 8th-grade math, Wisconsin’s average score in 2022 was 274, which was only barely above the national average (273) – essentially middling, whereas a decade ago Wisconsin ranked higher. In science, Wisconsin has also seen scores slip relative to other states. Education officials are concerned that our students are not keeping up in STEM preparation. The pandemic certainly set back achievement – as of 2024, the average Wisconsin student was still several months behind in math learning compared to 2019. Wisconsin’s recovery in math scores ranked only 16th among states, and reading 30th, indicating a much slower post-COVID rebound than many other states. Furthermore, persistent achievement gaps drag down overall averages: Wisconsin has one of the widest racial gaps in the nation on math exams (e.g. only 14% of Black 3rd–8th graders in Wisconsin were at grade-level in math, versus 64% of white students, under the new scoring). Low-income and rural students also score below state averages in STEM. All of this means Wisconsin’s STEM performance “consistently falls below average” if one considers the high standards we strive for. Improving math and science outcomes – through better STEM curricula, tutoring, teacher support, and addressing inequalities – is critical for the state’s long-term economic competitiveness.
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Several of the University of Wisconsin System’s two-year branch campuses in rural areas have closed or are on the verge of closing, reducing local college access and worrying community leaders. These small campuses – which offer freshman/sophomore coursework and associate degrees – have seen steep enrollment declines over the past decade. In 2023–2024, the UW announced the closure of branch campuses in Marinette, Fond du Lac, and Washington County (West Bend), among others. UW-Platteville’s Richland Center campus had already shut down earlier, and UW-Milwaukee’s Waukesha campus is slated to cease instruction as well. The primary reasons are dwindling student numbers (some campuses lost over 50% of enrollment since consolidation in 2018) combined with budget pressures. However, the impact on their regions is significant. These branch campuses provided a local, affordable stepping-stone into higher education for many rural students, including working adults and first-generation college-goers. A professor at UW–Oshkosh’s Fond du Lac campus noted that many students there come from small towns and rely on the local campus to begin college; without it, higher education may be out of reach. Research backs this up: over 60% of U.S. college students attend school within 25 miles of home, and rural students in particular are less likely to travel far for college. Thus, when a local campus closes, that area can become an “education desert” – defined as a community with no accessible public college nearby. This not only limits educational attainment, but can weaken the local economy and workforce over time (college campuses often contribute to local employment and keep young adults in the area). The closures have prompted efforts like the new College for Rural Wisconsin program, which does outreach to rural high schoolers about other options. Still, community members and experts worry that losing UW branch campuses will erode regional resilience, as fewer residents manage to get degrees or advanced skills, and more young people leave for urban campuses and might not return. Keeping higher education accessible in all parts of the state is a critical challenge.
Population
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Wisconsin’s population is graying, and this is especially evident in rural communities. The state’s median age now tops 40 (the U.S. median age is 38.8), and seniors are the fastest-growing age group. Wisconsin is one of only 14 states with a median age over 40. (In the Midwest, it’s tied with Michigan as having the oldest population.) This is a particularly relevant challenge in rural Wisconsin where young people are moving away, while those who remain are getting older. In some rural counties, one out of every four people is over 65. This trend places a strain on local resources. Small towns struggle with too few caregivers, doctors, or transportation options for the elderly. As Wisconsin grows older, rural areas are left trying to support more retirees with a shrinking base of working-age neighbors – a demographic imbalance that challenges everything from the labor market to healthcare delivery.
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Many of Wisconsin’s rural regions lack a stable economic engine to drive prosperity. Traditional industries that once sustained small communities – such as paper mills, dairy farms, or manufacturing plants – have dwindled over the decades, and new industries have been slow to take their place outside the big cities. Manufacturing in particular has seen a long decline: it accounted for 28% of all Wisconsin jobs in 1970, but only 17% by 2019. This decline has contributed to “industry gaps” in rural areas where there might not be a major employer or growing business sector to provide jobs and income. From 2009 to 2019, Wisconsin’s labor force did not grow at all (0% growth) after growing 20% in the prior 20 years. This stagnation is largely due to rural counties not adding jobs or population. Many rural areas struggle to attract new industries to replace the jobs lost in manufacturing and farming. As a result, younger residents often have to leave to find stable, well-paying jobs, creating a cycle where employers are even less likely to invest in those areas. Rural economies often depend on a mix of agriculture (which is increasingly automated), seasonal tourism, or jobs in distant cities. When a community is left with no anchor industry, it struggles to retain workers and attract investment. Closing this gap is crucial so that people in all parts of Wisconsin have access to stable employment and local economies.
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Wisconsin’s remote and rural communities face significant isolation barriers that make it hard to draw in people and businesses. One major issue is infrastructure: many areas still lack reliable high-speed internet, a necessity for today’s economy. As of 2024, roughly 1 in 5 locations (over 421,000 homes or businesses) were still unserved or underserved by high-speed internet. Even where there is coverage, rural residents often face higher costs – the cheapest broadband plans in rural Wisconsin average about 15% more expensive than in urban areas. Limited broadband, along with spotty cell service or long drives to the nearest interstate, can discourage companies from investing. Quality of life can suffer too. For example, hospital closures and scarce transit options mean rural residents can’t easily access services that urban residents take for granted. These factors result in stagnation: talented workers leave for better-connected areas, and outside investors shy away, further isolating rural Wisconsin. Overcoming these barriers with improved infrastructure and connectivity is key to reviving Wisconsin’s most remote communities.
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Wisconsin’s aging demographics are placing a heavy strain on the workforce and local services, especially in rural communities. As more residents retire and fewer young workers replace them, employers in these areas struggle to find staff, from farms and factories to small businesses (the workforce could shrink by over a hundred thousand by 2030). At the same time, an older population means greater needs for healthcare, senior housing, and support services. During the 2020s, the number of Wisconsin residents age 75 and older is expected to jump by 41%, from about 407,000 in 2020 to 574,000 in 2030. By then, the state may need roughly 33,000 additional long-term care beds (in nursing homes or assisted living facilities) to accommodate the aging population. Providing care for so many more seniors would also require nearly 10,000 more healthcare workers (nurses, aides, etc.) by 2030. To put that in perspective, the senior care sector alone would need about 75% of all new health workers the state is projected to produce in the 2020s – a huge demand on an already tight labor market. For rural towns with limited clinics or nursing facilities, this is an even bigger challenge. This demographic squeeze (fewer workers, more retirees) threatens to stretch local schools, healthcare systems, and public budgets to the breaking point, unless Wisconsin can adapt by boosting productivity, attracting new workers, and innovating how it cares for its aging residents.