Affordable Housing In Saint Paul
Ramsey County Minnesota

124 Low Income Apartment Communities In Saint Paul

Crestview Community Expansion

1145 Westminster St
Saint Paul, MN
HCV Welcome

Ravoux Hi - Rise

280 Ravoux St
Saint Paul, MN

Dunedin Terrace

1085 Montreal Ave
Saint Paul, MN

River Point Lofts

1375 Davern St
Saint Paul, MN
HCV Welcome

Cedarview Commons

2055 Highway 36 E
Saint Paul, MN
HCV Welcome

754 Payne

754 Payne Ave
Saint Paul, MN
HCV Welcome

Cottages of Hillcrest

1830 Larpenteur Ave E
Saint Paul, MN
HCV Welcome

Covington Court Apartments

354 Main St
Saint Paul, MN
HCV Welcome

Commerce Apartments Phase I

8 4th St E
Saint Paul, MN
HCV Welcome

Sibley Park Project ( Fka Cooper Park )

211 7th St E
Saint Paul, MN
HCV Welcome

There are 124 low income housing apartment complexes which contain 13,549 affordable apartments for rent in Saint Paul. Many of these rental apartments are income based housing with 8,304 apartments that set rent based on your income. In Saint Paul, HUD housing programs support 3,900 rental assistance apartments through programs like Project-based Section 8. There are 5,232 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

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

Saint Paul, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 124
Total Low Income Apartments 13,549
Total Rent Assisted Apartments 8,304
Percentage of Housing Units Occupied By Renters 33.19%
Average Renter Household Size 2.02
Total Population 11,966
Housing Units 4,809
Average Household Size 2.47
Median Household Income $55,708 ±$6,281
Median Rent $755 ±$36
Percentage Of Renters Overburdened 51.69% ± 11.99pp

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
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.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$763 $915 $1,151 $1,636 $1,923