Bemidji Homes for Sale Under $400,000

Browse all homes for sale under $400,000 in Bemidji, MN, and the surrounding Northern Minnesota area. This updated list features affordable real estate options, including single-family homes, starter homes, and lake properties under 400k.

Whether you're looking to buy a home in Bemidji, find a house near Lake Bemidji, or explore Northern Minnesota real estate, you'll find the latest listings right here. Start your home search today and discover affordable homes for sale in Bemidji, MN.

$332,500
4 Beds 3 Baths 7086436 MLS
Re-constructed from top to bottom and completely move-in ready! This oversized split entry 4-bedroom, 3-full-bath home offers an incredible opportunity to own a pristine, never-lived-in property. Located at the end of a cul-de-sac, this home has just received its final occupancy permit and is waiting for you. Step inside to an open floor plan, sun-filled with natural light from large windows. The modern kitchen is a chef’s delight, featuring crisp white cabinetry, brand-new stainless-steel appliances, and durable, stone-look laminate countertops. Throughout the main living areas, enjoy the seamless beauty and easy maintenance of luxury vinyl plank wood-look flooring. The main level hosts a spectacular, oversized primary suite designed for relaxation. It boasts a large walk-in closet and a private, spa-like ensuite bathroom complete with double sinks, a full tub, and shower. The additional bathrooms across the home are finished with stone countertops and full tub/showers. Downstairs, the sprawling lower-level family room offers the perfect secondary gathering space for movie nights, a home gym, or a playroom. Floors in lower level and garage are ready and can be heated by boiler with tubbing in place. A brand-new forced air furnace heats the entire home and central air unit cools the entire home, both fueled by natural gas. Storage and parking are a breeze with the oversized, double-car attached garage. It comes fully finished, insulated, and equipped with oversized overhead doors to accommodate larger vehicles. Why wait to build when you can move right in today? Schedule your private tour!

2710 Florence Lane NW, Bemidji

Listing courtesy of Better Homes and Gardens Real Estate First Choice.

$399,900
2 Beds 2 Baths 7080906 MLS
Lake Julia Retreat your Four-Season Private Oasis with Endless potential on 1.29 Acres sun-filled lot on a lane with a closely connected neighborhood feel, this property offers a private wooded sanctuary just 20 minutes form Bemidji. Authentic Log Cabin Charm & Breathtaking Views Start your mornings watching the sunrise over a semi-private cove from your large wraparound deck. The home’s distinctive A-frame-inspired design features soaring windows that flood the space with natural light and showcase the surrounding landscape. Inside, the main living area exudes a warm Northwoods feel, anchored by a brand-new, high-efficiency wood-burning stove (2024) featuring fresh tilework, with additional matching tile waiting to be installed to complete the look. A Diamond in the Rough Ready for Your Vision From the loft, a charming spiral staircase brings you down to the main floor, and then to the walk-out lower level. The previous owner has already begun demo for a remodel, creating a true blank canvas for your personal touch. Even better, this home comes with professionally drafted architectural plans designed to transition the layout from a two-bedroom, one -bath to a three-bedroom, three-bath with an expanded, roomy entrance—the perfect blueprint to turn this space into your own personalized dream. A True Four-Season Family Getaway With 170+ feet of pristine shoreline, this property is built for year-round adventure: •Spring: Bring your green thumb to the gardens in this beautifully sun-filled lot. •Summer: Spend long days on the water with direct access from a brand-new 30-foot dock and let the call of the loons lull you to sleep at night. •Fall: Enjoy crisp, peaceful walks down the quiet, tree-lined lane. •Winter: A skier's absolute dream! The world-class Finlandia cross-country ski trails are directly across the street. Prefer downhill? You can watch the skiers across the lake right from your living and dining room windows! Property Highlights & Recent Upgrades: •Brand new 30-foot dock (June 2026) •Exterior completely refinished and stained (2025) •New high-efficiency wood-burning stove (2024) •New mound system installed (2023) •Double-stall detached garage with a heated workshop for all your lake gear and projects. Whether you’re looking for a year-round residence or a vacation retreat, this highly desirable property offers endless possibilities. Come see the potential for yourself and make it your own!

19684 Lake Julia Drive NW, Bemidji

Listing courtesy of Realty Experts, LLC.

$389,900
2 Beds 2 Baths 7080914 MLS
Private Northwoods Retreat with Rustic Charm & Access to Turtle River Lake. Nestled among towering pines and mature hardwoods, this beautifully maintained log-sided home offers the perfect blend of privacy, comfort, and functionality. Set on a wooded parcel, this stunning property adjoins more than 25 acres of state land to Turtle River Lake, with no neighbors on 3 sides! Yet, it is only 14 minutes to Bemidji airport, 10 minutes to hospital and city of Bemidji amenities. From the moment you arrive this home welcomes you with rich wood finishes and a true "up north" feel throughout. Inside you'll find an inviting open-concept design filled with abundant natural light and multiple gathering areas perfect for entertaining. The kitchen offers ample cabinetry, a center island with seating; connected to the dining and living areas. The home features 2+ bedrooms, 2 bathrooms, dedicated office space, and versatile lower-level living area including bonus room with its own walk-out patio as well as fenced in yard. There is Central Air and two gas fireplaces; one upstairs and one downstairs, in addition to floor heat and whole house electric heating. These heating systems include off-peak electric rates from Beltrami Electric. Outside, enjoy peaceful mornings on the deck overlooking established gardens and fruit trees. The property includes a large insulated attached garage with abundant storage and workspace, plus additional covered parking for boats, recreation vehicles, and outdoor equipment, as well as a back yard shed. Whether you're looking for a year-round residence, private retreat, or a place to enjoy Minnesota's great outdoors, this property offers exceptional versatility, privacy, and timeless Northwoods appeal, within a short drive to Bemidji amenities. See agent remarks for more detailed information on access to Turtle River Lake

104 6th Street SE, Bemidji

Listing courtesy of Realty Experts, LLC.

$358,800
4 Beds 3 Baths 7077450 MLS
This spacious 4-bd, 3-ba rambler is set conveniently just north of Bemidji, has open spaces, a functional design, and inviting outdoor features. Step inside to an open floor plan filled with natural light, creating a bright and airy feel throughout the main living spaces. The living room is anchored by a gas fireplace with custom built-ins, creating a warm focal point for everyday living and gatherings. The primary suite features a private bath and walk-in closet, while three additional bedrooms on the main level offer flexibility for guests, office space, hobbies, or additional living needs. Main-floor laundry adds convenience, and the home offers three baths in total. Additional thoughtful design features include 36-inch interior doors and a covered front entry with a gently sloped access ramp that blends seamlessly into the home’s welcoming front porch design. Sliding doors from the dining area lead to an outdoor space. Relax on the deck, gather under the grilling pergola, unwind in the hot tub, or enjoy evenings around the fire pit. The expansive level backyard provides plenty of space for recreation, gardening, or outdoor activities, while multiple rows of mature pines create a beautiful natural backdrop and added privacy. Additional features include an attached garage plus a double detached garage. The full unfinished basement provides abundant storage and an opportunity to expand and finish additional living space as needs change. This property offers a combination of space, functionality, and a location that makes getting around simple.

6834 Dickinson Drive NW, Bemidji

Listing courtesy of Real Broker, LLC.

$310,000
3 Beds 2 Baths 7072106 MLS
Welcome to this beautifully maintained 3-bedroom, 2-bath single-level patio home located in the sought-after Wheatfield Community just 5 miles north of Bemidji off Whiting Rd. This thoughtfully designed development offers the perfect blend of privacy, convenience, and community living with ownership access to 40+ acres of shared wooded and open grounds complete with miles of mowed walking trails and groomed cross-country ski trails right outside your door. This one-owner home has been exceptionally cared for and offers easy, stair-free living with a functional and inviting floor plan featuring higher-end finishes throughout. A welcoming covered front patio leads into a spacious foyer entry with room to kick off your shoes and settle in. Just off the entry are two comfortable guest bedrooms and a full bathroom. The heart of the home features an open-concept living room, dining area, and kitchen highlighted by vaulted ceilings and an abundance of natural light. The kitchen is both stylish and functional with beautiful cabinetry and ample storage, stainless steel appliances, a center island with breakfast bar seating, and a sink positioned to overlook the living room and outdoor back yard patio. The spacious primary suite offers a relaxing retreat complete with a large private bathroom featuring a dual sink vanity, walk-in shower, and an oversized walk-in closet/dressing room. A convenient laundry room is located just off the finished 2-stall attached garage. Step outside to enjoy the concrete patio with partial privacy fencing and a generously sized lot of over 1/4 acre with no backyard neighbors. Additional highlights include a whole-home Generac generator providing peace of mind during power outages. If you are looking for the ease of nearly care-free, single-level living, a quality-built home, and a peaceful setting with amenities and nature all around, this Wheatfield property is one you will not want to miss!

2008 Whiting Road NW Unit 29, Bemidji

Listing courtesy of Headwaters Realty Services LLC.

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