Bemidji cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBemidjiMinnesotaNational
Cost of living index89102100
IndexBemidjiMinnesotaNational
Goods & Services index96107100
Groceries index101107100
Health care index114108100
Housing index68101100
Transportation index9598100
Utilities index9987100
A general summary of the cost of living index in Bemidji, MN is shown above. Compared to the state average of Minnesota the cost of living index in Bemidji, MN is 89, which is 13% lower than the average in Minnesota and compared to the national average it is 11% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Bemidji, MN goods and services come in at 10% lower than the average in Minnesota and are 4% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Bemidji is 13% lower than the Minnesota average.
  • The cost of living in Bemidji is 11% lower than the national average.
  • The cost of housing in Bemidji is 32% lower than the national average.
  • Minnesota general sales tax is 35% higher than the national average.
  • Minnesota state income tax is 141% higher than the national average.

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Compare Bemidji, MN Cost of living To Other Cities

Salary Calculator

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The salary calculator is meant to help you compare your salary in Bemidji, MN to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Bemidji, MN, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Bemidji, MN salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$47,628$3,969$1,111$1,429
Renters$22,091$1,841$515$663
The affordability of the housing market in Bemidji, MN as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Bemidji, MN homeowners, the median income is $47,628. This indicates that a monthly maximum of $1,111 should be spent by homeowners on all housing related costs. Renters have a median income of $22,091. This indicates that renters should have a maximum of $515 used for their rent related monthly costs.

Minnesota Sales Tax

StateGeneral Sales TaxWith Max Surtax
Minnesota6.875%7.875%

Minnesota Income Tax

StateIncome Tax (Low)Income Tax (High)
Minnesota5.35%9.85%
One thing to keep in mind when considering the cost of living in Bemidji, MN is the Minnesota sales tax and Minnesota income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Minnesota sales tax rate is 6.875% and the maximum surtax that can be charged is 7.875%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Minnesota income tax rates range from 5.35% to 9.85%.

Goods & Services

ItemBemidjiNational avg.Difference
Haircut $15.15$14.593.8%
Beauty Salon $27.25$34.6821.4%
Toothpaste $2.31$2.476.6%
Shampoo $1.03$1.020.8%
Movie $10.00$9.871.3%
Bowling $3.67$4.3916.4%

Groceries

ItemBemidjiNational avg.Difference
Ground Beef $3.98$4.4811.1%
Fried Chicken $1.78$1.4621.6%
Milk $2.94$2.3624.8%
Potatoes $2.25$3.0626.5%
Pizza $8.00$9.2413.4%
Beer $9.14$8.635.9%

Health Care

ItemBemidjiNational avg.Difference
Optometrist $79.40$99.7820.4%
Doctor $152.00$105.0344.7%
Dentist $95.00$88.707.1%
Ibuprofen $8.18$9.4113.1%
Lipitor $321.67$298.507.8%

Housing

ItemBemidjiNational avg.Difference
Home Price $117,400.00$175,700.0033.2%
Avg. Mortgage Payment $980.39$1,081.039.3%
Apartment Rent $653.00$920.0029.0%

Transportation

ItemBemidjiNational avg.Difference
Gasoline $1.90$2.099.2%
Tire Balancing $48.96$45.298.1%

Utilities

ItemBemidjiNational avg.Difference
All Electricity$159.00$170.806.9%
Phone $29.95$28.266.0%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Cass Lake, MN64581-19%
Solway, MN8484-16%
Wilton, MN17791-9%
Tenstrike, MN18592-8%
Turtle River, MN8693-7%
Bemidji, MN14,31989-11%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Elizabethton, TN14,32288-12%
Discovery Bay, CA14,31514141%
Murraysville, NC14,3051033%
Elfers, FL14,30186-14%
Beech Grove, IN14,30185-15%
Bemidji, MN14,31989-11%
Source: The Bemidji, MN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.