Housing decision brief
Beltrami County, MN Housing Market
Beltrami County screens as a higher purchase price, rent that needs comparison, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
45th lowest home value out of 87 Minnesota counties with data | 67th lowest rent out of 87
Median home value
$222,300
Purchase-price signal from Census ACS.
Median rent
$991/mo
Gross rent, including utilities where reported.
Monthly owner cost
$970/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.3x
Median home value divided by local household income.
Rent burden
26.0%
Below 30% usually screens as less pressured.
Rent vs own
$21/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
26.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $21/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$67,257 median income is 6% below Minnesota county median
Tax rate needs attention
1.00% effective property-tax rate is At the Minnesota county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Households weighing ownership against renting
Poor Fit For
- Households dependent on a deep local wage market
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Beltrami County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $222,300 | $221,100 | $281,900 | Near state median1% above Minnesota county median |
Median gross rent Lower usually helps affordability. | $991 | $873 | $1,163 | 14% pressure14% above Minnesota county median |
Monthly owner cost Lower usually helps affordability. | $970 | $1,034 | $1,672 | 6% favorable6% below Minnesota county median |
Median household income | $67,257 | $71,573 | $74,755 | 6% pressure6% below Minnesota county median |
Effective property-tax rate Lower usually helps affordability. | 1.00% | 0.99% | 1.02% | Near state medianAt the Minnesota county median |
Rent burden Lower usually helps affordability. | 26.00% | 26.00% | N/A | Near state median26.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$27,617
Median income minus rent threshold.
Owner cushion
+$25,686
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Beltrami County offers affordable rental housing at a median of $991/month , about 17.7% of the typical household income here.
Rent vs own
The median rent in Beltrami County is $991/month, while owner costs run $970/month. Owning saves approximately $21/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $39,640/year. For owner costs at the 28% rule, the required income is roughly $41,571/year. With a median household income of $67,257, most households can comfortably afford rent here. Notably, 26.0% of renter households in Beltrami County are cost-burdened, spending more than 30% of income on housing.
Regional context
Beltrami County sits 6% more expensive than Goodhue County ($939/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Kanabec County, MN | $221,100 | $1,003/mo | Same-state comparison near $221,100 home value and $1,003/mo rent. |
| Itasca County, MN | $212,000 | $944/mo | Same-state comparison near $212,000 home value and $944/mo rent. |
| St. Louis County, MN | $208,500 | $970/mo | Same-state comparison near $208,500 home value and $970/mo rent. |
| Lake County, MN | $222,900 | $1,026/mo | Same-state comparison near $222,900 home value and $1,026/mo rent. |
| Pine County, MN | $225,600 | $873/mo | Same-state comparison near $225,600 home value and $873/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Beltrami County
Is Beltrami County affordable for buying a home?
Is renting or owning cheaper in Beltrami County?
How much income do you need for housing in Beltrami County?
What should I double-check before moving to Beltrami County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.