Bemidji, MN home prices
Typical home $263,130 · +2.8% in a year · income needed $75,500
The Bemidji, MN metro area ranks 412 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.8% in a year and +26.7% over five years. With 20% down at 7.11%, the typical home costs about $1,761 a month including 0.97% property tax (Beltrami County rate).
Mortgage on the typical Bemidji home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,626 | $210,504 | $1,416 | $0 | $345 | $1,761 | $75,500 |
| 10% down | $26,313 | $236,817 | $1,593 | $99 | $345 | $2,037 | $87,300 |
| 5% down | $13,157 | $249,974 | $1,682 | $104 | $345 | $2,130 | $91,300 |
| 3.5% down (FHA) | $9,210 | $258,364 | $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.
Counties in the Bemidji area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Beltrami County, MN | $263,076 | +2.7% | 0.97% |
What can you afford in Minnesota on your salary? · Minnesota home prices · Salaries in Minnesota
Frequently asked questions
How much is a house in Bemidji?
The typical home in the Bemidji, MN metro area is worth $263,130 (Zillow, September 2026).
What salary do you need to buy a house in Bemidji?
About $75,500 a year for the typical home with 20% down at 7.11%.