Affordable Housing In Saint Cloud
Stearns County, Minnesota

Saint Cloud city limits extend into  Sherburne County and  Benton County.

32 Low Income Apartment Communities In Saint Cloud


402 9th Ave N
Saint Cloud, Minnesota

Natures Edge II

4222 Clearwater Rd
Saint Cloud, Minnesota

Section 8 Vouchers, Apartments, and Waiting Lists in Saint Cloud, Minnesota

Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.

Households who qualify for these programs may also qualify for Project-Based Section 8, which contributes rental assistance payments directly to private landlords on behalf of low-income tenants. Eligibility for the project-based program is similar to the voucher programs, but waiting list and application policies will vary depending on the landlord.

Public Housing Agencies Serving Saint Cloud, Minnesota

Housing Authority Programs
St. Cloud Housing and Redevelopment Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Stearns County HRA Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Saint Cloud, Minnesota

There are 32 low income housing apartment communities offering 1,583 affordable apartments for rent in Saint Cloud, Minnesota.

Income Based Apartments in Saint Cloud, Minnesota

Saint Cloud features 783 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in Saint Cloud, Minnesota

There are 764 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Saint Cloud.

Housing Choice Vouchers in Saint Cloud, Minnesota

On average, Section 8 Housing Choice vouchers pay Saint Cloud landlords $700 per month towards rent. The average voucher holder contributes $400 towards rent in Saint Cloud.

The maximum amount a voucher would pay on behalf of a low-income tenant in Saint Cloud, Minnesota for a two-bedroom apartment is between $797 and $975.

2022 Saint Cloud, Minnesota Fair Market Rents and Housing Choice Voucher Payment Standards

Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.

Studio One BR Two BR Three BR Four BR
Saint Cloud, Minnesota Fair Market Rent $688 $722 $886 $1,216 $1,429
Saint Cloud, Minnesota Payment Standard Range $619 to $757 $650 to $794 $797 to $975 $1,094 to $1,338 $1,286 to $1,572

Sourced from federal housing data and research.

Saint Cloud, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 32
Total Low Income Apartments 1,583
Total Housing Units with Rental Assistance 783
Percentage of Housing Units Occupied By Renters 47.99%
Average Renter Household Size 2.32
Average Household Size 2.42
Median Household Income $45,437 ±$1,993
Median Rent $721 ±$19
Percentage Of Renters Overburdened 49.55% ± 3.87pp
Total Population 66,298

Population and Household Demographics

Saint Cloud is a city in Stearns County, Minnesota with a population of 66,298. There are 25,204 households in the city with an average household size of 2.42 persons. 47.99% of households in Saint Cloud are renters.

Income and Rent Overburden in Saint Cloud

The median gross income for households in Saint Cloud is $45,437 a year, or $3,786 a month. The median rent for the city is $721 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Saint Cloud, a household making less than $2,403 a month would be considered overburdened when renting an apartment at or above the median rent. 49.55% of households who rent are overburdened in Saint Cloud.

Area Median Income In Saint Cloud

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 Cloud, the AMI is calculated from all households within Stearns County.

In Saint Cloud, HUD calculates the Area Median Income for a family of four as $88,500

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 Cloud

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 HUD Rental Assistance in Saint Cloud

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% AMI Income Limits
Renters earning up to 30% of the Saint Cloud AMI may qualify for rental assistance programs that target Extremely Low Income households.
$18,550 $21,200 $23,850 $27,750 $32,470 $37,190 $41,910 $46,630
50% AMI Income Limits
Renters earning up to 50% of the Saint Cloud AMI may qualify for rental assistance programs that target Very Low Income households.
$30,950 $35,350 $39,750 $44,150 $47,700 $51,250 $54,750 $58,300
80% AMI Income Limits
Renters earning up to 80% of the Saint Cloud AMI may qualify for rental assistance programs that target Low Income households.
$49,500 $56,550 $63,600 $70,650 $76,350 $82,000 $87,650 $93,300