Bemidji, MN

Very Low · 67

Minnesota · Population 15,490 · Updated March 2026

$1,004
Median Rent / Month
$53,850
Median Income
$189,500
Median Home Value
$985
Owner Costs / Month

Affordability

How far your income goes in Bemidji

22.4%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Minnesota

State-level tax rates that affect your costs

9.85%
Income Tax (Top Rate)
6.875%
Sales Tax
1.11%
Property Tax Rate

Estimated Annual Costs

$12,048
Annual Rent
$5,304
State Income Tax
$2,103
Property Tax (est.)

Cost of Living Overview

Bemidji is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 67 (where 100 equals the national median), Bemidji residents can expect to pay median rent of $1,004/month while earning a median household income of $53,850/year.

The median home value in Bemidji, MN is $189,500, with typical monthly owner costs around $985 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.4% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Minnesota's top income tax rate of 9.85% is among the highest in the nation, adding to the overall cost burden. Combined with a 6.875% sales tax rate and 1.11% effective property tax rate, the overall tax environment is a factor in the total cost of living in Bemidji.

Frequently Asked Questions

Common questions about living costs in Bemidji

What is the cost of living in Bemidji, MN?
The cost of living index in Bemidji, MN is 67 (US average = 100). Median monthly rent is $1,004, median household income is $53,850/year, and the median home value is $189,500.
Is Bemidji, MN affordable?
Yes, Bemidji is more affordable than the national average with a cost index of 67. The rent-to-income ratio is 22.4%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Bemidji, MN?
The median gross rent in Bemidji, MN is $1,004 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $12,048.
What is the median household income in Bemidji?
The median household income in Bemidji, MN is $53,850 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Minnesota?
Minnesota has a top income tax rate of 9.85%, a sales tax of 6.875%, and an effective property tax rate of 1.11%.