As of the census of 2000, there were 21,421 people, 8,486 households, and 5,668 families residing in the county. The population density was 38 people per square mile (15/km²). There were 9,019 housing units at an average density of 16 per square mile (6/km²). The racial makeup of the county was 98.87% White, 0.18% Black or African American, 0.10% Native American, 0.34% Asian, 0.20% from other races, and 0.31% from two or more races. 0.54% of the population were Hispanic or Latino of any race.
There were 8,486 households out of which 32.90% had children under the age of 18 living with them, 57.00% were married couples living together, 6.80% had a female householder with no husband present, and 33.20% were non-families. 29.60% of all households were made up of individuals and 15.50% had someone living alone who was 65 years of age or older. The average household size was 2.46 and the average family size was 3.07.
In the county the population was spread out with 26.90% under the age of 18, 7.40% from 18 to 24, 25.90% from 25 to 44, 21.00% from 45 to 64, and 18.70% who were 65 years of age or older. The median age was 39 years. For every 100 females there were 95.10 males. For every 100 females age 18 and over, there were 92.00 males.
The median income for a household in the county was $37,275, and the median income for a family was $47,040. Males had a median income of $30,074 versus $21,528 for females. The per capita income for the county was $18,595. About 4.50% of families and 6.50% of the population were below the poverty line, including 6.10% of those under age 18 and 8.20% of those age 65 or over.