Affordable Housing In Stearns County
Minnesota

66 Low Income Apartment Communities In Stearns County

Oak Ridge Manor

20 9th Ave NE
Melrose, MN
$620-723
1-2 BR
62+
Subsidized

Park Villas

500 3rd St S #105
Waite Park, MN
Income Based
2-3 BR
HCV Welcome

Burl Oaks Townhomes

725 Roberts Rd
Sartell, MN
Income Based
2-3 BR
HCV Welcome

Pine West Complex

200 12th Ave S
Cold Spring, MN
$423-555
1-2 BR
Subsidized

Maple Apartments

487/488 1st St NE
Richmond, MN
$505-565
2 BR
Subsidized

Westwind Apartments

765 Savanna Ave
Saint Cloud, MN
$759-888
1-2 BR
62+
HCV Welcome

Riverview Townhomes

931 Beechnut Ct
Sauk Centre, MN
$730-775
2-3 BR
HCV Welcome

Park Place Townhomes

329 North 7th Avenue West
Melrose, MN
$650-725
2-3 BR
HCV Welcome

Ridgeview Court Townhomes

326 Spruce St
Paynesville, MN
$620-670
2-3 BR
HCV Welcome

Cedar Terrace Townhomes

1335 14th St N
Saint Cloud, MN
$841-845
2 BR
Subsidized

Housing Authorities that serve Stearns County

Housing Authority Programs
Stearns County HRA Section 8 Housing Choice Voucher (HCV); Public Housing

Other Housing Authorities located in Stearns County

Housing Authority Programs
Housing and Redevelopment Authority of Sauk Centre Minnesota Public Housing
St. Cloud Housing and Redevelopment Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Housing and Redevelopment Authority of the City of Melrose Public Housing

Guide To Affordable Housing in Stearns County, Minnesota

According to federal housing data and AffordableHousingOnline.com research, there are 66 low income housing apartment communities offering 2,362 affordable apartments for rent in Stearns County, Minnesota. Stearns County features 1,368 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 958 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Stearns County.

Stearns County, MN Affordable Housing Snapshot

Total Affordable Apartment Properties 66
Total Low Income Apartments 2,362
Total Housing Units with Rental Assistance 1,368
Percentage of Housing Units Occupied By Renters 30.04%
Average Renter Household Size 2.28
Average Household Size 2.52
Median Household Income $56,336 ±$975
Median Rent $742 ±$15
Percentage Of Renters Overburdened 44.33% ± 2.92pp
Total Population 152,595

Population and Household Demographics

Stearns County is a County in Minnesota with a population of 152,595. There are 57,265 households in the county with an average household size of 2.52 persons. 30.04% of households in Stearns County are renters.

Income and Rent Overburden in Stearns County

The median gross income for households in Stearns County is $56,336 a year, or $4,695 a month. The median rent for the county is $742 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Stearns County, a household making less than $2,473 a month would be considered overburdened when renting an apartment at or above the median rent. 44.33% of households who rent are overburdened in Stearns County.1

Area Median Income In Stearns 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 Stearns County, HUD calculates the Area Median Income for a family of four as $76,300

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 Stearns 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 Stearns County HUD Rental Assistance in Stearns County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,050 $18,350 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $26,750 $30,550 $34,350 $38,150 $41,250 $44,300 $47,350 $50,400
80% of Median $42,750 $48,850 $54,950 $61,050 $65,950 $70,850 $75,750 $80,600
Low Income Housing Tax Credits in Stearns County

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

From 1988 to 2000, 14 low income apartment communities containing 334 rental apartments have been constructed and made affordable to low income persons in Stearns 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 Stearns County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $26,750 $30,550 $34,350 $38,150 $41,250 $44,300 $47,350 $50,400
60% of Median $32,100 $36,660 $41,220 $45,780 $49,500 $53,160 $56,820 $60,480

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 Stearns County is $41,220 a year, or $3,435 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,435 by 30% to get a maximum rent of $1,031 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% $669 $716 $859 $993 $1,108 $1,222
60% $803 $860 $1,031 $1,191 $1,329 $1,466
Fair Market Rents in Stearns 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
$605 $657 $804 $1,151 $1,370

Cities In Stearns County

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

City Listings Served By
Sauk Centre 6 The HUD funded Public Housing Agencies that serve Sauk Centre are the Housing and Redevelopment Authority of Sauk Centre Minnesota and Stearns County HRA.
Paynesville 2 The HUD funded Public Housing Agency that serves Paynesville is the Stearns County HRA.
Melrose 4 The HUD funded Public Housing Agencies that serve Melrose are the Housing and Redevelopment Authority of the City of Melrose and Stearns County HRA.
Belgrade 2 The HUD funded Public Housing Agency that serves Belgrade is the Stearns County HRA.
Cold Spring 5 The HUD funded Public Housing Agency that serves Cold Spring is the Stearns County HRA.
Richmond 1 The HUD funded Public Housing Agency that serves Richmond is the Stearns County HRA.
Albany 3 The HUD funded Public Housing Agency that serves Albany is the Stearns County HRA.
Clearwater 0 The HUD funded Public Housing Agency that serves Clearwater is the Stearns County HRA.
Holdingford 2 The HUD funded Public Housing Agency that serves Holdingford is the Stearns County HRA.
Avon 2 The HUD funded Public Housing Agency that serves Avon is the Stearns County HRA.
Freeport 1 The HUD funded Public Housing Agency that serves Freeport is the Stearns County HRA.
Waite Park 1 The HUD funded Public Housing Agency that serves Waite Park is the Stearns County HRA.
Kimball 0 The HUD funded Public Housing Agency that serves Kimball is the Stearns County HRA.
Saint Cloud 30 The HUD funded Public Housing Agency that serves Saint Cloud is the St. Cloud Housing and Redevelopment Authority.
St Joseph 2
St Martin 1
Albanyship 0
Ashley 0
Avonship 0
Brockway 0
Collegeville 0
Crow Lake 0
Crow River 0
Eden Lake 0
Elrosa 0
Fairhaven 0
Fair Haven 0
Farming 0
Getty 0
Greenwald 0
Grove 0
Holding 0
Krain 0
Lake George 0
Lake Henry 0
Lake Henryship 0
Le Sauk 0
Luxemburg 0
Lynden 0
Maine Prairie 0
Meire Grove 0
Melroseship 0
Millwood 0
Munson 0
New Munich 0
North Fork 0
Oak 0
Paynesvilleship 0
Raymond 1
Rockville 0
Roscoe 0
St. Anthony 0
St. Augusta 0
St. Joseph 0
St. Josephship 0
St. Martin 0
St. Martinship 0
St. Rosa 0
St. Stephen 0
St. Wendel 0
Sauk Centreship 0
Spring Hill 0
Spring Hillship 0
Wakefield 0
Zion 0
Sartell 4
St. Cloud 0
St Cloud 0