Cost of Living in Beltrami County, Minnesota

$991/mo

Median Monthly Rent

$222,300

Median Home Value

8% above state averageUnaffordable

At a Glance

Median Monthly Rent

$991/mo

8% above state average

Median Home Value

$222,300

21% below national

Rent-to-Income Ratio

26.0%

% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating

Unaffordable

Rent over 50% of income

How Beltrami County Compares

Median monthly rent comparison

Beltrami County$991/mo

Minnesota Average$915/mo

National Median$1,163/mo

Detailed Housing Stats

$991/mo

Median Gross Rent

$222,300

Median Home Value

$970/mo

Monthly Owner Cost

26.0%

Rent-to-Income Ratio

Data Story

About Cost of Living in Beltrami County, Minnesota

Beltrami stretches incomes further than most

Beltrami County's rent-to-income ratio of 17.7% exceeds the national average of 14.5%, reflecting the tension between modest local incomes ($67,257) and regional housing costs. The $991 median rent consumes a noticeably larger share of paychecks here than in most U.S. counties.

Above-average affordability stress in Minnesota

Beltrami's rent-to-income ratio of 17.7% ranks among Minnesota's worst, beating only a handful of counties with similar challenges. The median rent of $991 sits above the state average of $915, while local incomes lag state peers, creating genuine affordability pressure.

Rents climb in Beltrami's region

Beltrami's $991 median rent surpasses nearby Big Stone ($718) and Aitkin ($912), though it undercuts Anoka's metro pricing. The affordability challenge here stems from higher regional rents meeting lower-than-average local incomes of $67,257.

Housing dominates household budgets

Renters pay $991 monthly while homeowners face $970 in mortgage costs, pushing combined housing expenses toward 29% of the $67,257 median income. For renters specifically, housing alone consumes 17.7% of income—notably above comfortable thresholds.

Weigh true costs before relocating

Beltrami offers small-town character and lower home values ($222,300), but factor in that housing costs consume a higher share of local incomes than most Minnesota counties. If you're considering a move here, verify that your income aligns with regional earnings levels to avoid the affordability crunch many residents face.

Affordability Calculator

See how your income compares to housing costs in Beltrami County

Your Annual Household Income

Rent Burden

17.7%

of gross income

Max Housing (28% Rule)

$1,569

per month

Owner Cost Burden

17.3%

of gross income

The median home in Beltrami County may be a stretch

Median home value is $222,300. Estimated monthly cost: $1,775 vs. your max of $1,569.

Rent Affordability Guide

Your rent-to-income ratio17.7%

Recommended max30.0%

Frequently Asked Questions

What is the cost of living in Beltrami County, Minnesota?

Beltrami County, Minnesota has a median monthly rent of $991/mo and a median home value of $222,300. The affordability rating is Unaffordable, with rent making up approximately 26.0% of median household income.

What is the median rent in Beltrami County?

The median gross rent in Beltrami County is $991/mo. This is 8% above state average for Minnesota.

Is Beltrami County affordable?

Beltrami County is rated Unaffordable based on rent-to-income ratio of 26.0%. Spending over 50% of income on rent is generally considered unaffordable.

How does Beltrami County's rent compare to the state average?

Beltrami County's median rent of $991/mo is 8% above state average of $915/mo for Minnesota.

What is the median home value in Beltrami County?

The median home value in Beltrami County, Minnesota is $222,300. This is 21% below the national median home value of $281,900.