Affordable Housing In Clearwater County

7 Low Income Apartment Communities In Clearwater County

Benton Place Apartments

50 1st Ave NE #9
Rice, MN
1-2 BR

Brookfield Apartments

105 Railroad Ave NE
Clearbrook, MN

Otterkill Gardens

635 Hallan Ave NE
Bagley, MN

Gonvick Rentals

360 Main St
Gonvick, MN

Hillside Manor Apartments

16 Sand Lake Ave SW
Bagley, MN

Parkview Apartments

516 Main Ave N
Bagley, MN

White Earth IV - D5199

13958 Community Loop
Bagley, MN
HCV Welcome
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Housing Authorities that serve Clearwater County

Housing Authority Programs
Clearwater County Housing Authority Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Clearwater County

Housing Authority Programs
Housing and Redevelopment Authority of Bagley Public Housing

Guide To Affordable Housing in Clearwater County, Minnesota

According to federal housing data and research, there are 7 low income housing apartment communities offering 169 affordable apartments for rent in Clearwater County, Minnesota. Clearwater County features 139 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 30 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Clearwater County.

Clearwater County, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 7
Total Low Income Apartments 169
Total Housing Units with Rental Assistance 139
Percentage of Housing Units Occupied By Renters 21.54%
Average Renter Household Size 2.23
Average Household Size 2.48
Median Household Income $43,421 ±$1,966
Median Rent $558 ±$78
Percentage Of Renters Overburdened 35.95% ± 5.85pp
Total Population 8,752

Population and Household Demographics

Clearwater County is a County in Minnesota with a population of 8,752. There are 3,486 households in the county with an average household size of 2.48 persons. 21.54% of households in Clearwater County are renters.

Income and Rent Overburden in Clearwater County

The median gross income for households in Clearwater County is $43,421 a year, or $3,618 a month. The median rent for the county is $558 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Clearwater County, a household making less than $1,860 a month would be considered overburdened when renting an apartment at or above the median rent. 35.95% of households who rent are overburdened in Clearwater County.1

Area Median Income In Clearwater County

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

In Clearwater County, HUD calculates the Area Median Income for a family of four as $59,300

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Clearwater County

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Clearwater County HUD Rental Assistance in Clearwater County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,200 $17,400 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $25,350 $29,000 $32,600 $36,200 $39,100 $42,000 $44,900 $47,800
80% of Median $40,550 $46,350 $52,150 $57,900 $62,550 $67,200 $71,800 $76,450
Low Income Housing Tax Credits in Clearwater County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1993 to 2011, 2 low income apartment communities containing 53 rental apartments have been constructed and made affordable to low income persons in Clearwater County by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Clearwater County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $25,350 $29,000 $32,600 $36,200 $39,100 $42,000 $44,900 $47,800
60% of Median $30,420 $34,800 $39,120 $43,440 $46,920 $50,400 $53,880 $57,360

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Clearwater County is $39,120 a year, or $3,260 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,260 by 30% to get a maximum rent of $978 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $634 $679 $815 $941 $1,050 $1,159
60% $761 $815 $978 $1,130 $1,260 $1,391
Fair Market Rents in Clearwater County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$539 $542 $714 $1,002 $1,006

Cities In Clearwater County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Bagley 4 The HUD funded Public Housing Agencies that serve Bagley are the Housing and Redevelopment Authority of Bagley and Clearwater County Housing Authority.
Gonvick 1 The HUD funded Public Housing Agency that serves Gonvick is the Clearwater County Housing Authority.
Clearbrook 1 The HUD funded Public Housing Agency that serves Clearbrook is the Clearwater County Housing Authority.
Bear Creek 0
Clover 0
Copley 0
Dudley 0
Ebro 0
Eddy 0
Falk 0
Greenwood 0
Hangaard 0
Holst 0
Itasca 0
La Prairie 0
Leon 0
Leonard 0
Long Lost Lake 0
Minerva 0
Moose Creek 0
Nora 0
North Clearwater UT 0
Pine Lake 0
Popple 0
Rice 1
Rice Lake 0
Roy Lake 0
Shevlin 0
Shevlinship 0
Sinclair 0
South Clearwater UT 0
South End 0
Winsor 0