Renting · Section 8
Data from November 2026
Renting in Beltrami County, Minnesota
Beltrami County has a HUD fair market rent of $1,230 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,053 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $23.65 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,230
- a month, HUD, Fiscal year 2027
- 18% less than in Minnesota
- Typical rent
- $1,053
- a month, Census, Average 2020–2024
- 18% less than in Minnesota
- Wage needed
- $23.65
- an hour, 2 bedrooms
- Or $49,200 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 44%
- spend 30% or more of income on rent
- 9% less than in Minnesota
Only here
Renting in Beltrami County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Beltrami County has the highest typical rent in its area: $1,053, more than any of its 6 neighboring counties; next is Hubbard County ($905).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Beltrami County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Beltrami County was $1,099 a month in September 2026: 5.8% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $883 | $16.98 | $35,320 |
| 1 bedroom | $940 | $18.08 | $37,600 |
| 2 bedrooms | $1,230 | $23.65 | $49,200 |
| 3 bedrooms | $1,466 | $28.19 | $58,640 |
| 4 bedrooms | $2,041 | $39.25 | $81,640 |
HUD area: Beltrami County, MN. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 17 ZIP codes in Beltrami County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,030 in 56630 to $1,250 in 56678. 5 ZIP codes are above the county's fair market rent ($1,230).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 56601 | Beltrami County, MN | $900 | $960 | $1,250 | $1,500 | $2,070 |
|---|---|---|---|---|---|---|
| 56601 | Hubbard County, MN | $900 | $960 | $1,250 | $1,500 | $2,070 |
| 56630 | Beltrami County, MN | $790 | $790 | $1,030 | $1,270 | $1,660 |
| 56630 | Itasca County, MN | $790 | $790 | $1,030 | $1,270 | $1,660 |
| 56647 | Beltrami County, MN | $790 | $790 | $1,030 | $1,230 | $1,710 |
| 56650 | Beltrami County, MN | $790 | $790 | $1,030 | $1,230 | $1,690 |
| 56663 | Beltrami County, MN | $790 | $810 | $1,040 | $1,310 | $1,670 |
| 56666 | Beltrami County, MN | $790 | $790 | $1,030 | $1,230 | $1,680 |
| 56667 | Beltrami County, MN | $860 | $940 | $1,210 | $1,450 | $1,940 |
| 56670 | Beltrami County, MN | $790 | $790 | $1,030 | $1,230 | $1,690 |
| 56678 | Beltrami County, MN | $890 | $970 | $1,250 | $1,530 | $2,010 |
| 56678 | Clearwater County, MN | $890 | $970 | $1,250 | $1,530 | $2,010 |
| 56678 | Hubbard County, MN | $890 | $970 | $1,250 | $1,530 | $2,010 |
| 56683 | Beltrami County, MN | $920 | $930 | $1,200 | $1,440 | $1,810 |
| 56685 | Beltrami County, MN | $790 | $800 | $1,040 | $1,260 | $1,580 |
| 56727 | Beltrami County, MN | $790 | $790 | $1,030 | $1,250 | $1,700 |
| 56727 | Marshall County, MN | $790 | $790 | $1,030 | $1,250 | $1,700 |
- 56601 · Beltrami County, MN $1,250$1,500
- 56601 · Hubbard County, MN $1,250$1,500
- 56630 · Beltrami County, MN $1,030$1,270
- 56630 · Itasca County, MN $1,030$1,270
- 56647 · Beltrami County, MN $1,030$1,230
- 56650 · Beltrami County, MN $1,030$1,230
- 56663 · Beltrami County, MN $1,040$1,310
- 56666 · Beltrami County, MN $1,030$1,230
- 56667 · Beltrami County, MN $1,210$1,450
- 56670 · Beltrami County, MN $1,030$1,230
- 56678 · Beltrami County, MN $1,250$1,530
- 56678 · Clearwater County, MN $1,250$1,530
- 56678 · Hubbard County, MN $1,250$1,530
- 56683 · Beltrami County, MN $1,200$1,440
- 56685 · Beltrami County, MN $1,040$1,260
- 56727 · Beltrami County, MN $1,030$1,250
- 56727 · Marshall County, MN $1,030$1,250
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Beltrami County, 44% of renter households are in that position; in Minnesota, 48%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
44%
of renter households spend 30% or more of their income on rent.
5,430 households rent in Beltrami County
- Spend half or more of their income 22%
- Spend 30% or more, but less than half 22%
- Spend less than 30% 56%
Compared with the state and the country
- Beltrami 44%
- Minnesota 48%
- United States 51%
Low-income apartments
Low-income apartments in Beltrami County
HUD lists 30 properties with homes for low-income households in Beltrami County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 21
- HUD-assisted
- 8
- public housing
- 1
1,015 homes in all; 957 of them low-income, according to HUD.
- Northland Apartments Public housing 619 America Ave NW, Bemidji 56601 120 low-income homes · Run by HRA of BEMIDJI, MINNESOTA · Average payment: $424 a month · Average wait: 16 months · (218) 444-4522
- Red Pine Estates, A LMTD Ptnrshp HUD-assisted 2570 Ridgeway Ave NW, Bemidji 56601 86 low-income homes · For families · (218) 751-7842
- Park Place of Bemidji Tax credit (LIHTC) 600 3rd St NW, Bemidji 56601 60 low-income homes · Studio: 60 · In service since 2018
- Delton Manor HUD-assisted 1903 Delton Ave NW, Bemidji 56601 60 homes, 54 low-income · For families · (218) 759-2523
- Baker Housing HUD-assisted 803 Dewey Ave NE, Bemidji 56601 49 low-income homes · For older adults · (218) 751-7249
- Red Lake Homes Ix Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 48 low-income homes · 2 bd: 27 · 3 bd: 21 · In service since 2003 · For families
- Northern Star Community Tax credit (LIHTC) 800 26th St NW, Bemidji 56601 36 low-income homes · 1 bd: 9 · 2 bd: 15 · 3 bd: 12 · In service since 1996
- Red Lake Homes Xiii Tax credit (LIHTC) 18357 Mcbrides South Ext Road, Redby 56670 35 low-income homes · 3 bd: 35 · In service since 2018 · For families, people experiencing homelessness
- Blackduck Apartments HUD-assisted 249 2nd St NW, Blackduck 56630 30 low-income homes · For older adults · (218) 835-4282
- Red Lake Xi Tax credit (LIHTC) Multiple Building Addresses, Redby 56670 30 low-income homes · 3 bd: 30 · In service since 2009
- White Earth Homes IV Tax credit (LIHTC) White Earth Reservation, Mahnomen 56671 30 low-income homes · 2 bd: 10 · 3 bd: 20 · In service since 2011 · For families, people experiencing homelessness
- Kestrel Pines Townhomes Tax credit (LIHTC) Multiple Building Addresses, Bemidji 56601 30 homes, 29 low-income · 2 bd: 17 · 3 bd: 13 · In service since 2004 · For families
- Red Lake Homes III Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 26 low-income homes · 1 bd: 6 · 2 bd: 2 · 3 bd: 7 · 4 bd: 11 · In service since 2001
- Red Lake Homes Vii Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 26 low-income homes · 1 bd: 30 · In service since 2003 · For people with disabilities
- Red Lake Senior Apartments HUD-assisted PO Box 399, Red Lake 56671 26 low-income homes · For older adults · (218) 547-3307
- Red Lake Homes IV Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 24 low-income homes · 3 bd: 24 · In service since 2001
- Ridgeway Court III Tax credit (LIHTC) Multiple Building Addresses, Bemidji 56601 24 homes, 23 low-income · In service since 1991
- Ridgeway Court IV Tax credit (LIHTC) Multiple Building Addresses, Bemidji 56601 24 homes, 23 low-income · 1 bd: 6 · 2 bd: 18 · In service since 1994
- Red Lake Homes II Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 21 low-income homes · 1 bd: 1 · 2 bd: 4 · 3 bd: 15 · 4 bd: 1 · In service since 2000
- Kelliher Apartments HUD-assisted 380 Beltrami Ln SW, Kelliher 56650 20 low-income homes · For older adults · (218) 751-6881
- Redby Family Rental Project I Tax credit (LIHTC) Multiple Building Addresses, Redby 56671 20 low-income homes · In service since 2008
- Pineview Manor Tax credit (LIHTC) 181 Northern Ave NW, Blackduck 56630 20 homes, 19 low-income · 1 bd: 2 · 2 bd: 15 · 3 bd: 3 · In service since 2014 · For people with disabilities, families
- Red Lake Homes Vi Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 19 low-income homes · 3 bd: 19 · In service since 2002
- Blackduck Townhomes Tax credit (LIHTC) Multiple Building Addresses, Blackduck 56630 18 low-income homes · 2 bd: 12 · 3 bd: 6 · In service since 2007 · For families
- Carter Place Tax credit (LIHTC) Multiple Building Addresses, Bemidji 56601 18 low-income homes · 2 bd: 1 · 3 bd: 17 · In service since 1995
- Red Lake V Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 17 low-income homes · 3 bd: 12 · 4 bd: 5 · In service since 2001 · For families
- Red Lake Homes Tax credit (LIHTC) Multiple Building Addresses, Red Lake 56671 16 low-income homes · 2 bd: 4 · 3 bd: 9 · 4 bd: 3 · In service since 1999
- Red Lake Supportive Housing I HUD-assisted PO Box 280, Red Lake 56671 14 low-income homes · For people with disabilities · (218) 679-3368
- Pine Tree Estates HUD-assisted 721 15th St NW, Bemidji 56601 60 homes, 12 low-income · For families · (218) 210-8266
- Lake Road Apartments Tax credit (LIHTC) 325 Summit Ave W, Blackduck 56630 8 low-income homes · 2 bd: 5 · 3 bd: 3 · In service since 1996
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Beltrami County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Beltrami County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $20,600 | $34,300 | $54,900 |
| 2 people | $23,550 | $39,200 | $62,750 |
| 3 people | $27,320 | $44,100 | $70,600 |
| 4 people | $33,000 | $49,000 | $78,400 |
| 5 people | $38,680 | $52,950 | $84,700 |
| 6 people | $44,360 | $56,850 | $90,950 |
| 7 people | $50,040 | $60,800 | $97,250 |
| 8 people | $55,720 | $64,700 | $103,500 |
Area median income: $95,800. HUD income limits by family size, Fiscal year 2026. Area: Beltrami County, MN. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $795 – $971
- 1 bedroom $846 – $1,034
- 2 bedrooms $1,107 – $1,353
- 3 bedrooms $1,319 – $1,613
- 4 bedrooms $1,837 – $2,245
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- HRA of BEMIDJI, MINNESOTA Public housing and Section 8 vouchers · 316 vouchers · 120 public housing units (218) 444-4522 HRA of BEMIDJI, MINNESOTA: Stacy@bemidjihra.org
Housing agencies in Minnesota Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Minnesota
What Minnesota law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 21 days
- Minn. Stat. §504B.178, subd. 3(a)
- If I fall behind on rent, what notice must I get?
- 14 days
- Minn. Stat. §504B.321, subd. 1a(a)
- Only a court order can remove youMinn. Stat. §504B.375, subd. 1
- Protection from retaliationMinn. Stat. §504B.441
Help
Where to get help with rent in Beltrami County
HUD lists no counseling agencies near in Beltrami County. Free legal aid and your housing agency can guide you.
Rental assistance programs
The ones that serve in Beltrami County or the whole state, with what each page says about being open.
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Renter's Credit
Run by Minnesota Department of Revenue
Minnesota refundable credit for renters, claimed on the state tax return; it can be claimed with a Social Security number or an ITIN
Up to $2,720
See details
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Beltrami County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Minnesota, the average home bill was $110 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,460
What you need before you get the keys.
What adds up
- First month
- $1,230
- Security deposit
- $1,230
- Total
- $2,460
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Beltrami County?
According to HUD (Fiscal year 2027): Studio: $883; 1 bedroom: $940; 2 bedrooms: $1,230; 3 bedrooms: $1,466; 4 bedrooms: $2,041. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Beltrami County?
Paying the 2-bedroom fair market rent ($1,230) without spending more than 30% of income takes $23.65 an hour full time, or $49,200 a year.
Who qualifies for Section 8 in Beltrami County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $49,000 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Beltrami County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,107 and $1,353 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Beltrami County?
For 2 bedrooms they run from $1,030 in 56630 to $1,250 in 56678. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Beltrami County?
HUD lists 30 properties with homes for low-income households in Beltrami County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Beltrami County?
HUD counts rent as a burden when it reaches 30% of income or more. In Beltrami County, 44% of renter households are in that position; in Minnesota, 48%, and nationwide, 51% (Average 2020–2024, Census).