Bemidji, Minnesota.
Typical home $217,003 (+4.0% in a year), asking rent $1,023 . Bemidji, MN metro.
to buy the typical home at today's mortgage rate — +$627 (+122%) since Jan 2020.
- 1 year
- Up $8,343 +4%
- $208,660$217,003 since Sep 2025
- 5 years
- Up $51,041 +31%
- $165,962$217,003 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Bemidji$1,139
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Bemidji, MN rose 4.0% over the past year — faster than the nation's +1.2%.
Owning the typical home in Bemidji runs $524/mo more than renting one — the widest that gap has been in this data.
That is $1,547 a month against $1,023 rent: a $1,139 mortgage payment, plus $176 property tax and $232 insurance & upkeep.
Owning vs renting — Bemidji
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,547
- Renting$1,023
- Mortgage only$1,139
Property tax · $176/mo 0.97% of value a year — the ACS 2020-2024 median bill over the median home value for Beltrami County, MN
Insurance & upkeep · $232/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Bemidji, Beltrami County, Minnesota
Bemidji is a city of 14,574 people in Beltrami County. Half its households earn more than $55,405 a year and half less, against $68,975 across Beltrami County; 21% of its people live below the poverty line. 43% of its homes are lived in by their owners and 57% are rented. Unemployment in Beltrami County was 6.4% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bemidji is a small city with a young population by national standards, and residents are younger on the whole than people across much of the country. Incomes run below the county's, and a larger share of people live below the poverty line than most would expect, while most households rent their homes rather than own them. Winters are long and cold, with January the coldest month and a good deal of snow, and summers are warm but mild.
Work. Most residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in government. The largest workplaces in Bemidji include Sanford Bemidji, a general hospital, the Bemidji Public School District and Bemidji State University. Unemployment across Beltrami County has risen over the past year, and the number of jobs has slipped slightly. Commutes are short, and few people work from home.
Things to do. Lake Bemidji and Lake Irving are both in or beside town, and Lake Bemidji State Park is a short drive away. Lake Itasca, one of the better known lakes in the region, is a longer drive. Between the lakes, the state park and the winter snow, much of what people do here happens outdoors.
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- 6,636households
- 32%of adults have a degree
- 21%below the poverty line
- 17 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Beltrami County had 20,687 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 18° and lows near -4°; warmest in July, with highs near 79° and lows near 58°. About 49 inches of snow and 26 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cass Lake weather station, 14 miles away (NOAA).
Largest workplaces in Bemidji
- Sanford BemidjiGeneral hospital1,421FTE
- Bemidji Public School DistrictSchool district787FTE
- Bemidji State UniversityUniversity or college510
- WalmartWarehouse clubs and supercenters418
- 9th Judicial DistrictExecutive offices, federal, state, and local220
- TargetDiscount department stores215
- Eldercare of BemidjiHomes for the elderly with nursing care200
- Beltrami County - Community Service CenterWelfare service centers, multi-program170
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 51 workplaces with 20 or more staff, 6,239 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Cold wavesRelatively high
- Inland floodingRelatively high
- Strong windrelatively high in parts of BemidjiRelatively moderate
- HailRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bemidji’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Beltrami County and the Bemidji, MN metro.
Bemidji home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bemidji$217,003
- Minnesota$348,778
- United States$366,157
Sellers are cutting prices on about 1 in 4 Bemidji listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bemidji26.37%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bemidji72
New listings per month
Sellers arriving at the market.
- Bemidji16
Zip codes with a Bemidji address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bemidji — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.