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Income Limits for Home Improvement Programs

Fix Up Loan/Community Fix Up Loan Programs

The following income limits are effective for Fix Up Loans locked on or after July 3, 2023.

11-County Twin Cities Metro Area* Dodge and Olmsted Counties All Other Counties
$185,700 $185,700 $167,000

*The 11-County Twin Cities Metro Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright counties.

The income limit is waived if the improvement is being made for the accessibility of a family member who is disabled or for specific energy improvements.

Previous Income Limits

Community Fix Up Loan Program initiatives may have more restrictive income limits. Contact a Community Fix Up lender for more information.

Rehabilitation Loan Program/Emergency and Accessibility Loan Program

Rehabilitation Loan Program income limits are based on HUD median family income estimates and calculated at 30% of the Minneapolis/St. Paul area median income and are applicable in all Rehabilitation Program areas of the state. 

 Minnesota Housing allows reducing household income by $1,000 per household member. When determining income qualifications, borrowers may reduce their annual income by $1,000 per household member.

The following income limits are effective for any loans locked under the Rehabilitation Loan Program/Emergency & Accessibility Loan Program on or after June 1, 2023.

Household Size
Income Limits
1 Person
2 People
3 People
4 People
5 People
6 People
7 People
8 People
9 People
10 People
11 People
12 People

Contact for larger household sizes.

Disaster Recovery Loan Program

No income limits apply to the Disaster Recovery Loan Program.