Beltrami County, Minnesota home prices
Typical home $263,076 · +2.7% in a year · property tax 0.97%
The typical home in Beltrami County is worth $263,076, 25% less than the Minnesota typical home ($348,778). Values changed +2.7% in the past year and +26.7% over five years. Homeowners here pay a median 0.97% of their home's value in property tax each year ($2,558 on the typical home), versus 1.04% statewide.
Mortgage on the typical Beltrami County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,615 | $210,461 | $1,416 | $0 | $345 | $1,760 | $75,400 |
| 10% down | $26,308 | $236,769 | $1,593 | $99 | $345 | $2,036 | $87,300 |
| 5% down | $13,154 | $249,923 | $1,681 | $104 | $345 | $2,130 | $91,300 |
| 3.5% down (FHA) | $9,208 | $258,311 | $1,738 | $116 | $345 | $2,199 | $94,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.97% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Minnesota · part of the Bemidji metro area.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rock County | $263,653 | +3.4% | 0.71% |
| Pine County | $261,692 | +5.1% | 0.86% |
| Todd County | $265,621 | +6.8% | 0.95% |
| Waseca County | $259,153 | +2.5% | 1.18% |
| Kanabec County | $270,028 | +5.7% | 1.13% |
| Saint Louis County | $255,915 | +5.6% | 1.03% |
| Murray County | $254,869 | +8.2% | 0.79% |
| Polk County | $253,192 | +5.9% | 1.01% |
| Lake County | $275,583 | +3.7% | 0.73% |
| Aitkin County | $275,987 | +4.0% | 0.55% |
Frequently asked questions
What is the average home price in Beltrami County, MN?
The typical home value in Beltrami County is $263,076 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Beltrami County?
About $75,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Beltrami County?
The median effective rate is 0.97% of home value a year (Census ACS 2024 5-year estimates).