Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$263,076+2.7% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$57,029About 0.9× the local median income ($63,322): affordable for a typical household
Days on market67 daysAbout the same pace as a year ago
The typical home in Beltrami County, MN is worth $263,076, up 2.7% from a year ago. That is well above what local incomes have historically supported: fair value is about $229,120, so the area is 14.8% overvalued. It is a buyer's market: homes take about 67 days to sell, listings are up 15% from a year ago, 11% of listings have had a price cut. A household needs about $57,029 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,322. Typical rent is $1,099 a month. In the latest IRS figures, 85 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$263,076
Change in 1 year
+2.7%
Overvalued %
+14.8%
Show 6 more
Fair home value
$229,120
Change in 5 years
+26.7%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$1,426
Income needed to afford it
$57,029
Property tax rate
0.97%
Rent and investing
Typical rent
$1,099
Price-to-rent ratio
19.9×
HUD Fair Market Rent, 2 bedrooms
$1,230
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Gross rental yield
5.01%
Cap rate (estimate)
3.26%
Market activity
Listings vs a year ago
+14.6%
Days on market
67
Listings with a price cut
10.7%
Show 3 more
Homes for sale
173
Pending sales per 100 listings
24
Asking price per sq ft
$199
People and jobs
Median household income
$63,322
Population change (1 year)
+0.6%
Unemployment rate
4.7%
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Population
47,055
Income adjusted for cost of living
$73,716
Net moves in (IRS)
−85
Cost of living (US = 100)
85.9
Schools, risk and environment
School rating (1 to 10)
4.6
FEMA hazard risk score (0 to 100)
60.6
Unhealthy air days a year
17
Show 4 more
Flood risk score
72.6
Wildfire risk score
82.5
Walkability (1 to 20)
6.0
Road, rail and air noise
52 dB
Questions people ask
Is Beltrami County, MN overvalued?
Home prices in Beltrami County, MN are well above what local incomes have historically supported: fair value is about $229,120, so the area is 14.8% overvalued.
Is Beltrami County, MN a buyer's or seller's market?
Beltrami County, MN is a buyer's market: homes take about 67 days to sell, listings are up 15% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Beltrami County, MN?
Home values in Beltrami County, MN are up 2.7% over the last year.
How much do you need to earn to buy a home in Beltrami County, MN?
A household needs about $57,029 a year to afford the typical home in Beltrami County, MN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,322.