HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Beltrami County, Minnesota (FY 2026)
A two-bedroom in Beltrami County carries a FY 2026 Fair Market Rent of $1,135 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Beltrami keys off that figure.
2 bedroom FMR
$1,135
FY 2026, utilities included
Payment standard range
$1,022 to $1,249
90% to 110% of FMR
Income to afford 2BR
$45,400
per year, at 30% of income
Rank in Minnesota
24th of 87
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Beltrami moves to $1,230. That's up 8%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Beltrami actually rent for?
Search any address in Beltrami for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $870 | $783 to $957 | $34,800 | $16.73/hr | +8.5% |
| 1 bedroom | $876 | $788 to $964 | $35,040 | $16.85/hr | +5.3% |
| 2 bedroom | $1,135 | $1,022 to $1,249 | $45,400 | $21.83/hr | +3.9% |
| 3 bedroom | $1,361 | $1,225 to $1,497 | $54,440 | $26.17/hr | +3.4% |
| 4 bedroom | $1,715 | $1,544 to $1,887 | $68,600 | $32.98/hr | +10.7% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,972 | $1,775 to $2,169 |
| 6 bedroom Estimate | $2,230 | $2,007 to $2,453 |
| 7 bedroom Estimate | $2,487 | $2,238 to $2,736 |
| 8 bedroom Estimate | $2,744 | $2,470 to $3,018 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Beltrami, that runs from $870 for a studio up to $1,715 for four bedrooms, all five rates in the table above.
Because Beltrami sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Bemidji included.
Among Minnesota's 87 counties, Beltrami ranks 24th for two-bedroom FMR. That's about 14% above the state median of $999 and about 11% above the national median county at $1,018. About 46,274 people live here, 21st in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $990 in 56630 (Blackduck) and $1,330 in 56683 (Tenstrike), with the 13 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 56601 | Bemidji | $1,150 | +1.3% |
| 56619 | Bemidji | $1,140 | +0.4% |
| 56630 | Blackduck | $990 | -12.8% |
| 56647 | Hines | $990 | -12.8% |
| 56650 | Kelliher | $990 | -12.8% |
| 56663 | Pennington | $1,000 | -11.9% |
| 56666 | Ponemah | $990 | -12.8% |
| 56667 | Puposky | $1,180 | +4.0% |
| 56670 | Redby | $990 | -12.8% |
| 56671 | Redlake | $990 | -12.8% |
| 56678 | Solway | $1,150 | +1.3% |
| 56683 | Tenstrike | $1,330 | +17.2% |
| 56685 | Waskish | $990 | -12.8% |
| 56687 | Wilton | $1,135County rate | — |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Beltrami somewhere between $1,022 and $1,249. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,135 a month is affordable, by HUD's 30% rule, on an income of roughly $45,400 a year. Put another way, $22 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($1,022) | HAP at 100% ($1,135) | HAP at 110% ($1,249) |
|---|---|---|---|---|
| $2,500 | $750 | $272 | $385 | $499 |
| $4,000 | $1,200 | $0 | $0 | $49 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($1,092) to FY 2026 ($1,135). Since FY 2020 it's up 43% in total, about 6.1% a year. The Minnesota median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $518 | $603 | $794 | $1,047 | $1,076 | — |
| FY 2021 | $525 | $604 | $796 | $1,035 | $1,114 | +0.3% |
| FY 2022 | $605 | $692 | $910 | $1,137 | $1,314 | +14.3% |
| FY 2023 | $702 | $798 | $1,050 | $1,278 | $1,522 | +15.4% |
| FY 2024 | $820 | $851 | $1,118 | $1,352 | $1,576 | +6.5% |
| FY 2025 | $802 | $832 | $1,092 | $1,316 | $1,549 | -2.3% |
| FY 2026 | $870 | $876 | $1,135 | $1,361 | $1,715 | +3.9% |
| FY 2027 | $883 | $940 | $1,230 | $1,466 | $2,041 | +8.4% |
Nearby counties
Questions people ask
$1,135 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $870 for a studio, $876 for one bedroom, $1,361 for three and $1,715 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Beltrami actually go for?
HUD's number is one input. Search any address in Beltrami for a rent estimate built from nearby comps. 3 free searches, no card.
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