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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
$26,100
2 People
$29,800
3 People
$33,600
4 People
$37,300
5 People
$40,300
6 People
$43,300
7 People
$46,200
8 People
$49,200
9 People
$52,200
10 People
$55,200
11 People
$58,200
12 People
$61,100

Contact RLP.ELP@state.mn.us for larger household sizes.

Disaster Recovery Loan Program

No income limits apply to the Disaster Recovery Loan Program.