Affordable Housing In Duluth
St Louis County, Minnesota

43 Low Income Apartment Communities In Duluth

Munger Terrace

901 N 7th Avenue East
Duluth, MN
$872-1,001
1-2 BR
Subsidized

Burke Apartments

720 Maple Grove Rd
Duluth, MN
Income Based
1-2 BR
Accessible
Disabled Supportive Housing
Subsidized

Morgan Park Townhouses

8901 Edward Street
Duluth, MN
$1,009-1,234
2-3 BR
Accessible
Subsidized

Applewood West Fairmount Apartments

715 w 2nd st
Duluth, MN
$1,092-1,266
2-3 BR
Subsidized

Mesaba Villas South

726 W 2nd Street
Duluth, MN
$610-1,170
1-3 BR
Subsidized

Greysolon Plaza

231 E Superior St
Duluth, MN
Call For Rent
1 BR
Subsidized

Irving School Apartments

101 N 56th Ave W
Duluth, MN
Call For Rent
Studio-3 BR
HCV Welcome

Lincoln Park Apartments

2427 W 4th St
Duluth, MN
Call For Rent
Studio-3 BR
HCV Welcome

West Hillside Apartments

625 W 2nd St
Duluth, MN
$575-1,040
Studio-2 BR
HCV Welcome

Gateway Tower Apartments

600 W Superior St
Duluth, MN
Call For Rent
1 BR
HCV Welcome
Subsidized

Housing Authorities that serve Duluth

Housing Authority Programs
Housing and Redevelopment Authority of Duluth Minnesota Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Duluth, Minnesota

According to federal housing data and AffordableHousingOnline.com research, there are 43 low income housing apartment communities offering 3,055 affordable apartments for rent in Duluth, Minnesota. Duluth features 2,671 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 384 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Duluth.

Duluth, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 43
Total Low Income Apartments 3,055
Total Housing Units with Rental Assistance 2,671
Percentage of Housing Units Occupied By Renters 39.79%
Average Renter Household Size 2.04
Average Household Size 2.25
Median Household Income $45,034 ±$1,283
Median Rent $728 ±$19
Percentage Of Renters Overburdened 55% ± 2.97pp
Total Population 86,178

Population and Household Demographics

Duluth is a City in St Louis County, Minnesota with a population of 86,178. There are 35,410 households in the city with an average household size of 2.25 persons. 39.79% of households in Duluth are renters.

Income and Rent Overburden in Duluth

The median gross income for households in Duluth is $45,034 a year, or $3,753 a month. The median rent for the city is $728 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Duluth, a household making less than $2,427 a month would be considered overburdened when renting an apartment at or above the median rent. 55% of households who rent are overburdened in Duluth.1

Area Median Income In Duluth

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.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Duluth, the AMI is calculated from all households within St Louis County.

In Duluth, HUD calculates the Area Median Income for a family of four as $71,900

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 Duluth

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 Duluth HUD Rental Assistance in Duluth

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 Duluth

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

From 2000 to 2006, 10 low income apartment communities containing 566 rental apartments have been constructed and made affordable to low income persons in Duluth 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 Duluth

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 Duluth 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 Duluth

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
$601 $622 $816 $1,052 $1,279