MN mortgage rates

Beltrami County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Beltrami County, Minnesota. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Beltrami County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Minnesota counties
Refinance Payment Estimate

Estimate Your Refinance in Beltrami County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Beltrami

A local view of the market.

In October 2024, the real estate market in Beltrami County, Minnesota, showed a median listing home price of $349,900, which represents an 8.8% increase from the previous year. The median price per square foot was $200, and the median sold home price was $320,000, indicating a balanced market where supply and demand are roughly equal. Beltrami County comprises several cities, with Bemidji being the largest and most prominent. Bemidji has a population of approximately 15,000 and serves as a central hub for the county. Other notable cities include Blackduck and Northern, which are smaller but contribute to the county's overall character and economy. Living in Beltrami County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and outdoor activities. The county's economy is supported by industries such as healthcare, education, and retail. Real estate migration patterns suggest that people are moving to the county for its natural beauty, recreational opportunities, and the appeal of a quieter, more rural lifestyle compared to urban centers.

County snapshot

Market context.

MN

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBemidjiMapped market area
Area code13420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Beltrami County

Common questions about 2026 loan limits and refinancing opportunities in Minnesota.

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.