Pennington, Minnesota.
Typical home $231,878 (+5.7% in a year). Bemidji, MN metro.
to buy the typical home at today's mortgage rate — +$522 (+75%) since Feb 2022.
- 1 year
- Up $12,448 +6%
- $219,430$231,878 since Sep 2025
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.
- Pennington$1,217
- Minnesota$1,831
- United States$1,922
Typical home values in Pennington, MN rose 5.7% over the past year — faster than the nation's +1.2%.
Living in Pennington, Beltrami County, Minnesota
The Census does not count Pennington on its own, so the figures here are Beltrami County's. Half the county's households earn more than $68,975 a year and half less; 16% of the county's people live below the poverty line. 70% of the county's homes are lived in by their owners and 30% 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 people in Beltrami County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Pennington sits in Beltrami County in northern Minnesota, where most homes across the county are lived in by their owners and a noticeable share of residents live below the poverty line. Household incomes across the county run below the state's typical level, so many families here budget carefully and look after one another. The area's winters are long and bitterly cold, its summers are warm, and snow falls heavily through the cold months.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in government. Across the county, the number of jobs dipped slightly in the most recent full year, and unemployment has risen over the past year. Most adults here have not finished a four-year degree, and few people work from home.
Things to do. Cass Lake, a lake a short drive away, is a good choice for fishing and time on the water. Chippewa National Forest, a protected area a longer drive away, offers wooded trails and quiet country for walking and birdwatching. Kitchi Lake lies in or beside town, so it is an easy spot for an afternoon outdoors.
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- 18,172households
- 35.3median age
- 32%of adults have a degree
- 16%below the poverty line
- 21 mintypical commute
- 8%work from home
What people in Beltrami County 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, 11 miles away (NOAA).
Largest workplaces in Beltrami County
- Sanford BemidjiGeneral hospital1,421FTE
- Bemidji Public School DistrictSchool district787FTE
- Bemidji State UniversityUniversity or college510
- WalmartWarehouse clubs and supercenters418
- Minnesota Department of Transportation District TwoTransportation departments, nonoperating264
- 9th Judicial DistrictExecutive offices, federal, state, and local220
- TargetDiscount department stores215
- Eldercare of BemidjiHomes for the elderly with nursing care200
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 76 workplaces with 20 or more staff, 8,111 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 moderate
- Cold wavesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Beltrami County, against the rest of the country; all of them together, relatively low. 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.
Pennington home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pennington$231,878
- Minnesota$348,778
- United States$366,157
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.
Zip codes with a Pennington address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pennington — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.