Is Beltrami County, MN good for real estate investing?

Beltrami County has an investment score of 65/100, rated as "Buy". The county ranks #311 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Beltrami?

The rent-to-price ratio in Beltrami County is 6.56% annually, which ranks in the 67th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Beltrami?

The median home price in Beltrami County is $257,780. This ranks #449 in affordability among all US counties.

Can you cash flow on rental properties in Beltrami?

Based on median values with 20% down at current rates, a typical rental in Beltrami County would generate negative cash flow of $434/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Beltrami County

MinnesotaPopulation: 46,274

/100

Buy

#311 of 1,000 counties

#49 in Minnesota (87 counties)

Market Snapshot

$257,780

Median Home Price

6% below national median

$1,410/mo

Median Rent

6% below national median

6.56%

Rent-to-Price Ratio

Top 33% nationally

-$434

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$257,780

Down Payment (20%)$51,556

Loan Amount$206,224

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,410

Monthly P&I-$1,351

Est. Expenses (35%)-$493

Net Cash Flow-$434/mo

4.3%

Cap Rate (all cash)

-8.8%

Cash-on-Cash Return

6.56%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.3% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

65/100

Cash Flow(30%)

66/100

Based on 6.56% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

78/100

Based on 2.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

68/100

Price-to-income ratio of 4.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$434/mo)
-Negative leverage (cap rate 4.3% < mortgage rate 6.9%)

Economic Indicators

Population

46,274

Median Income

$62,173

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.1x

Moderately affordable

Compare to Nearby Counties

County					Verdict
Blue EarthMN	66	$293,828	$1,490	6.08%	Buy	View
CurrentBeltramiMN	65	$257,780	$1,410	6.56%	Buy
MowerMN	65	$195,984	$808	4.94%	Buy	View
AitkinMN	65	$263,597	Est. pending	—	Buy	View
KanabecMN	65	$257,937	Est. pending	—	Buy	View
RoseauMN	65	$216,986	Est. pending	—	Buy	View

The Bottom Line

BuyBeltrami offers solid investment potential with good cash flow or appreciation prospects.

Beltrami County in Minnesota scores 65/100, ranking #311 of 1,000 US counties (top 31%). The 6.56% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-434/mo

Cap Rate

4.3%

Cash-on-Cash

-8.8%

Ready to Analyze a Deal in Beltrami?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$257,780

Down Payment (20%)$51,556

Loan Amount$206,224

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,410

Monthly P&I-$1,351

Est. Expenses (35%)-$493

Net Cash Flow-$434/mo

4.3%

Cap Rate (all cash)

-8.8%

Cash-on-Cash Return

6.56%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.3% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

65/100

Cash Flow(30%)

66/100

Based on 6.56% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

78/100

Based on 2.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

68/100

Price-to-income ratio of 4.1x. Lower ratios indicate more affordable markets.

County

Verdict

Blue EarthMN

$293,828

$1,490

6.08%

Buy

View

CurrentBeltramiMN

$257,780

$1,410

6.56%

Buy

MowerMN

$195,984

$808

4.94%

Buy

View

AitkinMN

$263,597

Est. pending

—

Buy

View

KanabecMN

$257,937

Est. pending

—

Buy

View

RoseauMN

$216,986

Est. pending

—

Buy

View

The Bottom Line

BuyBeltrami offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-434/mo

Cap Rate

4.3%

Cash-on-Cash

-8.8%