Minnesota · Census, HUD and BEA figures · Updated

Cost of Living in Beltrami County, MN

Prices around Beltrami County, MN run 1.4% below the U.S. average (BEA, Minnesota). The typical household there earns $68,975 a year, and HUD puts a two-bedroom at $1,135 a month. Keeping that rent under 30% of income takes about $45,400 a year.

Beltrami County, MN at a glance

Median household income

$68,975$5,748 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,135HUD FY2026 Fair Market Rent
Price level (U.S. = 100)98.6-1.4% · BEA, Minnesota
Electricity17.5¢per kWh · EIA Residential MN
Population46,512Census ACS 5-year estimate

How much rent can you afford in Beltrami County, MN?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,135Monthly market rent
Share of gross income19.7%Recommended max: 30%
Annual income needed$45,400To meet the 30% standard
Max affordable rent$1,724At 30% of $68,975
0%30% (Affordability standard)100%
Compare against:

How much is rent in Beltrami County, MN? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Beltrami County, MN, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Beltrami County, MN, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$870$10,440$34,80015.1%
1-Bedroom Apartment$876$10,512$35,04015.2%
2-Bedroom ApartmentBenchmark$1,135$13,620$45,40019.7%
3-Bedroom Home$1,361$16,332$54,44023.7%
4-Bedroom Home$1,715$20,580$68,60029.8%

Rent in Beltrami County, MN, with the wage each unit needs →

What a typical income covers in Beltrami County, MN

The 50/30/20 rule applied to the local median of $68,975 a year ($5,748 a month before tax).

Needs (50%)$2,874/moRent ($1,135 2-BR), utilities (~$158/mo), groceries, transit
Wants (30%)$1,724/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,150/moEmergency fund, retirement, paying down loans

What $68,975 leaves after Minnesota taxes

Federal income tax, Social Security, Medicare and Minnesota tax on the local median income. Change the salary to see yours.

$68,975
$25,000$140,000
Filing status:
Gross salary breakdown$68,975
Net 79%
Fed 9%
MN 5%
FICA 8%
Annual take-home$54,187After all taxes
Monthly deposit$4,516Estimated per month
Biweekly paycheck$2,084Every 2 weeks (26/yr)
Effective tax rate21.4%Total tax burden
Federal income tax$6,345 / yr
Minnesota state income tax$3,167 / yr
FICA (Social Security & Medicare)$5,277 / yr

Living in Beltrami County, MN: common questions

What is the median household income in Beltrami County, MN?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Beltrami County, MN is $68,975 per year (approximately $5,748 per month).

What is the average rent in Beltrami County, MN?

The closest official figure is HUD's Fair Market Rent for 2026: $870 for a studio, $876 for one bedroom, $1,135 for two, $1,361 for three and $1,715 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Beltrami County, MN expensive to live in?

Prices there run 1.4% below the U.S. average. BEA's regional price parity for Minnesota is 98.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Beltrami County, MN?

To keep a $1,135 two-bedroom under 30% of gross income, a household needs about $45,400 a year, or $3,783 a month. That is 66% of what the typical household in Beltrami County, MN earns.

How much do you need to live comfortably in Beltrami County, MN?

On the local median income of $68,975 ($5,748 a month before tax), the 50/30/20 rule leaves $2,874 a month for needs like rent, utilities and groceries, $1,724 for everything else and $1,150 for savings or debt. A two-bedroom at $1,135 takes 39% of the needs share.

How much is the electric bill in Beltrami County, MN?

Homes in Minnesota paid 17.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $158. Your bill depends mostly on heating and cooling.