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Bemidji, MN

Cost of living in Beltrami County, MN

Estimated monthly cost
$2,821/mo
for a single person, all categories combined

Population 46,421 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $832 29%
Healthcare $480 17%
Federal tax $439 16%
Groceries $340 12%
Transport $320 11%
Energy $187 7%
State tax $173 6%
Water $50 2%

Rent in Beltrami County

Fair Market Rents by bedroom count.

Studio
$802
per month
1 bedroom
$832
per month
2 bedroom
$1,092
per month
3 bedroom
$1,316
per month
4 bedroom
$1,549
per month

Source: HUD FMR FY2025

Income and earnings in Beltrami County

Annual earnings figures from the Census ACS.

Household income
$67,257
per year
Individual earnings
$36,924
per year
Per capita
$34,429
per year

Source: ACS 2019-2023 5-Year.

Home values in Beltrami County

Average values reported by homeowners.

Average home value
$222,300
Annual property tax
$2,214

Source: ACS 2019-2023 5-Year

Energy costs in Beltrami County

Estimated monthly electricity and gas costs.

Electricity
$124
per month · 15.5¢/kWh
Natural gas
$63
per month
Annual total
$2,244
per year

Source: EIA

Healthcare in Beltrami County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.8%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Beltrami County

State and local tax rates for Minnesota.

State income tax
9.8%
Top marginal rate
State sales tax
6.9%
Combined sales tax
7.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Beltrami County

Commute patterns and estimated costs.

Average commute
20.8 min
Drive alone
77.2%
Public transit
1.4%
Work from home
8.1%

Source: ACS

Monthly cost estimates for Beltrami County

What it costs to live in Beltrami County each month.

Single person
$2,821
per month
  • Rent $832
  • Energy $187
  • Water $50
  • Groceries $340
  • Transport $320
  • Healthcare $480
  • Federal tax $439
  • State tax $173
Couple
$4,339
per month
  • Rent $1,092
  • Energy $224
  • Water $60
  • Groceries $563
  • Transport $420
  • Healthcare $864
  • Federal tax $771
  • State tax $345
Family
$6,707
per month
  • Rent $1,316
  • Energy $280
  • Water $70
  • Groceries $855
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $771
  • State tax $345

Frequently asked questions about Beltrami County

Common questions about cost of living, rent and salary.

What is the average rent in Beltrami County?

In Beltrami County, MN, a one-bedroom apartment averages $832 per month, a two-bedroom averages $1,092 per month, a three-bedroom averages $1,316 per month, according to HUD Fair Market Rent data.

What is the average salary in Beltrami County?

In Beltrami County, MN, the average household income is $67,257 per year and individual earnings for full-time workers average $36,924 per year, according to U.S. Census Bureau data.

What is the cost of living in Beltrami County?

The estimated cost of living in Beltrami County, MN is approximately $2,821 per month for a single person, $4,339 for a couple, $6,707 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Beltrami County?

The combined sales tax rate in Beltrami County, MN is 7.54%, which includes the Minnesota state rate of 6.88% plus an average local rate of 0.66%.

Is Beltrami County an affordable place to live?

Based on the data, a single person in Beltrami County, MN would need approximately $2,821 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,257 per year ($5,605 per month). Beltrami County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Beltrami County?

The ACA marketplace benchmark premium in Beltrami County, MN is approximately $480 per month for an individual. Approximately 7.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Beltrami County?

The average home value in Beltrami County, MN is $222,300, with average annual property taxes of $2,214, according to U.S. Census Bureau data.

How does Beltrami County compare to other areas?

You can compare Beltrami County, MN with any other US county using our comparison tool at /compare. Beltrami County is in the Bemidji, MN metro area.

Other counties in Minnesota

Browse the full list of counties in Minnesota, ranked by cost of living.

See all counties in Minnesota

Compare Beltrami County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources