Beltrami County, MN Average Home Price (2026)
The average home price in Beltrami County, Minnesota is about $214,500 (the 2026 median across 10 ZIP codes, at ~$225/sq ft) — 28% more affordable than the Minnesota median and 26% more affordable than the typical U.S. home.
How Beltrami County compares
Beltrami County is relatively affordable for housing nationally: its typical home costs $214,500 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $148,000 to $284,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Beltrami County | $214,500 | $225 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Beltrami County home prices by ZIP code
The 10 most valuable ZIP codes in Beltrami County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56601 Bemidji | $284,000 | $177 | +32% |
| 56683 Tenstrike | $262,000 | $225 | +22% |
| 56678 Solway | $250,000 | $224 | +17% |
| 56647 Tenstrike | $245,000 | $367 | +14% |
| 56667 Puposky | $229,000 | $279 | +7% |
| 56663 Pennington | $200,000 | $105 | -7% |
| 56630 Northome | $186,000 | $205 | -13% |
| 56650 Kelliher | $183,000 | $282 | -15% |
| 56727 Grygla | $182,000 | $77 | -15% |
| 56685 Waskish | $148,000 | $242 | -31% |
Home value appreciation in Beltrami County
Home prices in Beltrami County have risen about 73% over the last 10 years (≈5.6% a year) and +81.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $214,500 today was worth roughly $124,204 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Minnesota is +71.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Beltrami County
Run the numbers for Beltrami County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Beltrami County
To buy the typical $214,500 home in Beltrami County with 20% down, you need a household income of roughly $58,000 a year (about $1,360 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $69,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,700 | $1,690/mo | $73,000/yr |
| 10% (+PMI) | $21,500 | $1,620/mo | $69,000/yr |
| 20% | $42,900 | $1,360/mo | $58,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Beltrami County
At about $225 per square foot, here is roughly how much home different budgets get you in Beltrami County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 670 sq ft | below the local median — condos, smaller or older homes |
| $200k | 890 sq ft | around the typical home here |
| $250k | 1110 sq ft | around the typical home here |
| $300k | 1330 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1780 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Minnesota.
Estimate a specific home in Beltrami County
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Beltrami County home prices: frequently asked
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Browse all Minnesota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.