Beltrami County, MN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.88, -95.00.
Assembled 2026-10-20. Read the brief.
- 60th pct · 1,204th of 3,063 US counties · median $230,451
- 46th pct · 47th of 87 Minnesota counties · median $270,028
- 48th pct · 1,576th of 3,062 US counties · median +2.9%
- 33rd pct · 58th of 87 Minnesota counties · median +3.5%
- 14th pct · 1,167th of 1,358 US counties · median $1,506
- 25th pct · 25th of 33 Minnesota counties · median $1,370
- 71st pct · 917th of 3,221 US counties · median 8,232
- 77th pct · 20th of 87 Minnesota counties · median 7,739
- 64th pct · 1,152nd of 3,221 US counties · median $1,039
- 56th pct · 38th of 87 Minnesota counties · median $1,102
- 56th pct · 1,319th of 3,063 US counties · median 4.2
- 46th pct · 47th of 87 Minnesota counties · median 4.6
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $263,076 (Sep 2026), +2.7% over one year, +26.7% over five
- 60th pct · 1,204th of 3,063 US counties · median $230,451
- 46th pct · 47th of 87 Minnesota counties · median $270,028
| Item | Value | Distance |
|---|---|---|
| Beltrami County, MN | $263,076 · +2.7% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,099/mo (Sep 2026), +5.8% over one year; price-to-rent 19.9
- 14th pct · 1,167th of 1,358 US counties · median $1,506
- 25th pct · 25th of 33 Minnesota counties · median $1,370
| Item | Value | Distance |
|---|---|---|
| Beltrami County, MN | $1,099/mo · +5.8% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,457 a month on $263,076 at 7.40%, against an average weekly wage worth $4,814 a month: 30.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $263,076 × 80% = $210,461, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,457/mo principal and interest
- wage share = payment / (avg weekly wage $1,111 × 52 / 12 = $4,814) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $263,076 / ($1,111 × 52) = 4.6
- price-to-rent = $263,076 / ($1,099 × 12) = 19.9
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
20,234 jobs at 1,304 employers (2026 Q1); +0.4% jobs and +3.9% average weekly wage over the year
- 71st pct · 917th of 3,221 US counties · median 8,232
- 77th pct · 20th of 87 Minnesota counties · median 7,739
| Item | Value | Distance |
|---|---|---|
| Beltrami County, MN | 20,234 jobs · $1,111/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,375 | $1,401 | 1.44 | +3.2% |
| Retail trade | 2,916 | $649 | 1.48 | +1.6% |
| Accommodation and food services | 1,854 | $391 | 1.02 | -2.6% |
| Construction | 1,215 | $1,369 | 1.15 | +19.6% |
| Manufacturing | 760 | $1,178 | 0.47 | -10.7% |
| Other services | 509 | $810 | 0.84 | +8.8% |
| Wholesale trade | 492 | $1,188 | 0.63 | -5.4% |
| Transportation and warehousing | 473 | $2,025 | 0.55 | +1.7% |
| Educational services | 449 | $786 | 1.03 | -3.9% |
| Finance and insurance | 405 | $1,471 | 0.49 | -4.0% |
| Professional and technical services | 403 | $1,113 | 0.29 | -9.6% |
| Information | 325 | $1,320 | 0.87 | -5.5% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.9 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,649, highly concentrated. $384.2 m federal obligations in FY2026 (direct payments $296.3 m, grants $77.3 m), $18,989 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Bemidji | $844.4 m · 43.5% share · 3 offices | |
| Deerwood Bank | $428.1 m · 22.0% share · 2 offices | |
| Security Bank USA | $238.8 m · 12.3% share · 2 offices | |
| Beltrami, MN | $384.2 m FY2026 · $18,989/job | |
| MULTIPLE RECIPIENTS | $255.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Bemidji | $844,391,000 | 43.5% | 3 |
| Deerwood Bank | $428,079,000 | 22.0% | 2 |
| Security Bank USA | $238,824,000 | 12.3% | 2 |
| Wells Fargo Bank, National Association | $162,491,000 | 8.4% | 1 |
| National Bank of Commerce | $121,376,000 | 6.2% | 2 |
| Ultima Bank Minnesota | $47,177,000 | 2.4% | 1 |
| Bank Forward | $34,883,000 | 1.8% | 1 |
| KodaBank | $30,101,000 | 1.5% | 1 |
| First State Bank of Bigfork | $29,371,000 | 1.5% | 1 |
| American National Bank of Minnesota | $5,865,000 | 0.3% | 1 |
Deposit concentration is 2,649 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 43.5² + 22.0² + 12.3² + … (7 more) = 2,649
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $220,239,514 |
| Department of Education | $35,278,899 |
| Department of Transportation | $35,125,459 |
| Department of Veterans Affairs | $33,309,291 |
| Department of the Interior | $17,042,414 |
| Department of Housing and Urban Development | $16,381,336 |
| Department of Health and Human Services | $15,828,548 |
| Department of Agriculture | $5,602,149 |
| Department of Justice | $1,221,014 |
| Railroad Retirement Board | $1,090,627 |
| Federal Communications Commission | $885,853 |
| Department of Defense | $817,067 |
That is $18,989 per covered job, against 20,234 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $384.2 m / 20,234 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,989
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Beltrami County, MN: 5 findings, 5 noted
noteBeltrami County, MN's average weekly wage was 3.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +3.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteBeltrami County, MN's covered employment was 0.4% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.4 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Beltrami County, MN is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Beltrami County, MN is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZORI typical rent (monthly) covering Beltrami County, MN is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.