Minnesota Income Limits for Affordable Housing Programs

Understanding whether you qualify for affordable housing in Minnesota starts with knowing the income limits set by both state and federal agencies. These limits ensure affordable housing is available to those who need it most—including families, seniors, and individuals with low or moderate incomes. This article will break down the current income limits, how they affect your eligibility, and practical steps you can take to apply for rental assistance or affordable housing in Minnesota.

How Income Limits Work for Affordable Housing in Minnesota

Income limits for affordable housing programs in Minnesota are updated annually by the U.S. Department of Housing and Urban Development (HUD) and the Minnesota Housing Finance Agency (MHFA). These limits vary by county, household size, and program.

• Low-Income Housing Tax Credit (LIHTC) Properties: Income is capped at 50% or 60% of Area Median Income (AMI).
• Section 8 Housing Choice Vouchers: Most vouchers go to applicants earning less than 50% of AMI, but eligibility extends up to 80% of AMI in some cases.
• Public and Subsidized Housing: Similar AMI-based thresholds apply, usually prioritizing households below 30%-50% AMI.

Where to Find the Latest Income Limits

The HUD Income Limits Documentation System posts updated income limits for every county and household size. For statewide Minnesota figures and program specifics, visit the Minnesota Housing Income & Rent Limits page.

Do You Qualify? Example Eligibility Check

Suppose you’re a renter in Hennepin County. As of 2024, these are example income limits from HUD:

• 1-person household: 50% AMI = $39,800; 80% AMI = $63,650
• 4-person household: 50% AMI = $56,800; 80% AMI = $90,950

To check your eligibility, compare your gross (pre-tax) annual income with the published limits for your household size and county. You’ll typically qualify if your household income falls at or below the relevant limit for your desired program.

Key Forms for Minnesota Affordable Housing and Rental Assistance

• Housing Choice Voucher (Section 8) Application
  • Form: Individual housing authorities manage their own applications. For example, Minneapolis Public Housing Authority uses the MPHA Section 8 Waitlist Application.
  • When to Use: Submit when a housing authority’s waitlist is open; be ready to provide income documentation (pay stubs, tax returns).
  • Example: A renter in St. Paul who earns below 50% AMI completes the St. Paul PHA Section 8 Application to join the waitlist. Instructions and official links are on the St. Paul PHA Applications page.
• Verification of Income (HUD Form 9886 Authorization for Release of Information)
  • Form Number: HUD-9886
  • When to Use: Required whenever you apply for federal affordable housing; allows agencies to verify your income with employers and government sources.
  • Example: You fill out and sign HUD Form 9886 when submitting a voucher application.

Who Oversees Tenant and Landlord Issues in Minnesota?

For disputes related to evictions, rent, or housing conditions, the official body is the Minnesota Housing Court (a division of District Court). This court handles landlord-tenant matters including nonpayment of rent, eviction filings, and habitability claims.

All housing rights, including eligibility for affordable programs, are grounded in the Minnesota Statutes Chapter 504B – Landlord and Tenant¹.

Frequently Asked Questions About Minnesota Affordable Housing Income Limits

1. What counts as income for affordable housing?
   Income includes wages, Social Security, child support, unemployment, pensions, and any other regular payments. All sources must be reported when applying.
2. How often do income limits change in Minnesota?
   Income limits are updated annually by HUD and the Minnesota Housing Finance Agency, usually taking effect in the spring or early summer.
3. Can I apply if my income is over the limit?
   No, your household income must fall at or below the specified limit for the program. However, as household size or circumstances change, you may become eligible in the future.
4. Are there other factors besides income that affect eligibility?
   Yes, factors can include family size, citizenship or eligible immigration status, rental history, and criminal background checks, depending on the housing program.
5. If I lose my job after moving in, can I stay in my affordable unit?
   Generally, yes. If your income drops, you should report it to your housing provider so your rent can be recalculated if the program allows.

Key Takeaways for Minnesota Renters

• Income limits are set by HUD and updated every year—always check the latest figures before applying.
• Eligibility for most affordable housing programs is based on your household’s gross income and size.
• Have official documents ready and contact your local housing authority for current applications and waitlist openings.

Understanding your eligibility is the first step to accessing Minnesota’s valuable affordable housing resources.

Need Help? Resources for Renters

• Minnesota Housing: Housing Assistance Programs – State-run affordable housing options and guidance
• HUD Minnesota: Rental Assistance – Federal rental programs and how to apply
• Minnesota Housing Court – Tribunal for landlord-tenant issues
• LawHelpMN – Housing Legal Help – Legal information and advocacy (nonprofit, state-supported)
• Call United Way 2-1-1 for local housing referral assistance

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1. Minnesota Statutes Chapter 504B – Landlord and Tenant
2. HUD Income Limits Documentation System
3. Minnesota Housing: Income & Rent Limits
4. Minneapolis Public Housing Authority: Section 8 Application
5. St. Paul Public Housing Application
6. HUD Form 9886 – Authorization for Release of Information

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