Affordable Housing In Saint Paul
Ramsey County, Minnesota

134 Low Income Apartment Communities In Saint Paul

Kings Crossing

500 Dale St N
Saint Paul, MN
Accessible
Disabled Supportive Housing
Subsidized

Hall Young Plaza

423 Selby Avenue
Saint Paul, MN
62+
Accessible
Elderly Supportive Housing
Subsidized

Mears Park Place

401 Sibley St
Saint Paul, MN
Subsidized

Winnipeg Apartments

850 Rice Street
Saint Paul, MN
HCV Welcome

Labor Plaza

500 Tedesco St
Saint Paul, MN
Subsidized

Heritage House

218 7th St E
Saint Paul, MN
Subsidized

Park Crossing Apartments

1068 Raymond Ave
Saint Paul, MN
HCV Welcome

Mount Carmel Manor Housing Corp.

1560 Bellows St
Saint Paul, MN
62+
Accessible
Elderly Supportive Housing
Subsidized

Fort Road Flats

2242 7th St W
Saint Paul, MN
HCV Welcome

Capitol Plaza South

375 Marion St
Saint Paul, MN
Subsidized

Housing Authorities that serve Saint Paul

Housing Authority Programs
Saint Paul Public Housing Agency Section 8 Housing Choice Voucher (HCV); Public Housing; Family Self-sufficiency; Veteran Affairs Supportive Housing (VASH); Section 8 Project-Based Voucher (PBV); Rental Assistance Demonstration (RAD); Family Unification Program (FUP)
Mental Health Resources Section 8 Housing Choice Voucher (HCV)
Metropolitan Council Housing and Redevelopment Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Other Housing Authorities located in Saint Paul

Housing Authority Programs
South Metro Human Services Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Saint Paul, Minnesota

According to federal housing data and AffordableHousingOnline.com research, there are 134 low income housing apartment communities offering 13,660 affordable apartments for rent in Saint Paul, Minnesota. Saint Paul features 8,464 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 5,183 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Saint Paul.

Saint Paul, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 134
Total Low Income Apartments 13,660
Total Housing Units with Rental Assistance 8,464
Percentage of Housing Units Occupied By Renters 33.19%
Average Renter Household Size 2.02
Average Household Size 2.47
Median Household Income $55,708 ±$6,281
Median Rent $755 ±$36
Percentage Of Renters Overburdened 51.69% ± 11.99pp
Total Population 11,966

Population and Household Demographics

Saint Paul is a City in Ramsey County, Minnesota with a population of 11,966. There are 4,809 households in the city with an average household size of 2.47 persons. 33.19% of households in Saint Paul are renters.

Income and Rent Overburden in Saint Paul

The median gross income for households in Saint Paul is $55,708 a year, or $4,642 a month. The median rent for the city is $755 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Saint Paul, a household making less than $2,517 a month would be considered overburdened when renting an apartment at or above the median rent. 51.69% of households who rent are overburdened in Saint Paul.1

Area Median Income In Saint Paul

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 Saint Paul, the AMI is calculated from all households within Ramsey County.

In Saint Paul, HUD calculates the Area Median Income for a family of four as $100,000

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 Saint Paul

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 Saint Paul HUD Rental Assistance in Saint Paul

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $21,000 $24,000 $27,000 $30,000 $32,400 $34,800 $39,010 $43,430
50% of Median $35,000 $40,000 $45,000 $50,000 $54,000 $58,000 $62,000 $66,000
80% of Median $52,850 $60,400 $67,950 $75,500 $81,550 $87,600 $93,650 $99,700
Low Income Housing Tax Credits in Saint Paul

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

From 1987 to 2012, 63 low income apartment communities containing 4,763 rental apartments have been constructed and made affordable to low income persons in Saint Paul 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 Saint Paul

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $35,000 $40,000 $45,000 $50,000 $54,000 $58,000 $62,000 $66,000
60% of Median $42,000 $48,000 $54,000 $60,000 $64,800 $69,600 $74,400 $79,200

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 Saint Paul is $54,000 a year, or $4,500 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,500 by 30% to get a maximum rent of $1,350 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% $875 $938 $1,125 $1,300 $1,450 $1,600
60% $1,050 $1,125 $1,350 $1,560 $1,740 $1,920
Fair Market Rents in Saint Paul

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
$820 $971 $1,214 $1,722 $2,025