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HOME Investment Partnerships (HOME)
 
 

 

Federal funding for affordable housing activities in St. Louis, Cook, Itasca, Koochiching, and Lake Counties.

St. Louis County serves as the lead agency and fiscal agent to the NE Minnesota HOME Consortium. The HOME Consortium encompasses Cook, Lake, Koochiching, Itasca, and St. Louis County (outside of Duluth).

Eligibility

Communities, housing and redevelopment authorities, and nonprofit agencies within the 5-county region excluding the Duluth city limits.

Focus Area 

Down payment and closing cost assistance for first-time home buyers.

Application & Forms

Please contact our department using the information found in the "Contact" pane in order to get an application.
Form 1003 - Payment Request Form - Public Service 
Form 1004 - Payment Request Form - Infrastructure and Community Facilities
Form 1005 - Payment Request Form - Housing

 

Process & Guides

  1. Program Announcement: St. Louis County annually announces acceptance of HOME applications through the county’s Consortium network.
  2. Public Meeting: County staff facilitates a meeting to discuss program information, provide application forms, and announce available funding. Community and agency input is requested to funding priorities, current client needs, and any gaps in service.
  3. Submit Application: Applicant submits application.
  4. Review and Approve Project(s): Submitted applications are reviewed by county staff and an advisory committee that provides a funding recommendation to the St. Louis County Board.

    St. Louis County HOME Affirm Marketing Guidelines 

Plans & Reports

HOME Recapture Resale Guidelines
HOME Income Guidelines 2026
HOME Rent Limits 2026
HOME Purchase Price Limits 
Section 3 Administrative Plan

Rent Limits

St. Louis County
Number of Bedrooms Efficiency 1 2 3 4 5 6
Low HOME Rent $849 $948 $1,137 $1,314 $1,466 $1,618 $1,769
High HOME Rent $849 $978 $1,232 $1,675 $1,849 $2,021 $2,194
50% Rent Limit $885 $948 $1,137 $1,314 $1,466 $1,618 $1,769

Cook County
Number of Bedrooms Efficiency 1 2 3 4 5 6
Low HOME Rent $671 $888 $973 $1,274 $1,415 $1,568 $1,715
High HOME Rent $671 $888 $973 $1,288 $1,415 $1,627 $1,840
50% Rent Limit $857 $918 $1,102 $1,274 $1,421 $1,568 $1,715

Itasca County
Number of Bedrooms Efficiency 1 2 3 4 5 6
Low HOME Rent $754 $860 $1,074 $1,274 $1,421 $1,568 $1,715
High HOME Rent $754 $860 $1,074 $1,401 $1,516 $1,743 $1,971
50% Rent Limit $857 $918 $1,102 $1,274 $1,421 $1,568 $1,715

Koochiching County
Number of Bedrooms Efficiency 1 2 3 4 5 6
Low HOME Rent $671 $742 $973 $1,243 $1,415 $1,568 $1,715
High HOME Rent $671 $742 $973 $1,243 $1,415 $1,627 $1,840
50% Rent Limit $857 $918 $1,102 $1,274 $1,421 $1,568 $1,715

Lake County
Number of Bedrooms Efficiency 1 2 3 4 5 6
Low HOME Rent $880 $948 $1,137 $1,314 $1,466 $1,618 $1,769
High HOME Rent $880 $973 $1,277 $1,531 $1,849 $2,021 $2,194
50% Rent Limit $885 $948 $1,137 $1,314 $1,466 $1,618 $1,769

Income Limits

St. Louis County
Family Size 1 2 3 4 5 6 7 8
30% $21,250 $24,300 $27,350 $30,350 $32,800 $35,250 $37,650 $40,100
50% $35,400 $40,450 $45,500 $50,550 $54,600 $58,650 $62,700 $66,750
60% $42,480 $48,540 $54,600 $60,660 $65,520 $70,380 $75,240 $80,100
80% $56,650 $64,750 $72,850 $80,900 $87,400 $93,850 $100,350 $106,800
Median Family Income: $101,100


Cook County
Family Size 1 2 3 4 5 6 7 8
30% $20,600 $23,550 $26,500 $29,400 $31,800 $35,250 $37,650 $40,100
50% $34,300 $39,200 $44,100 $49,000 $52,950 $58,650 $62,700 $66,750
60% $41,160 $47,040 $52,920 $58,800 $63,540 $70,380 $75,240 $80,100
80% $54,900 $62,750 $70,600 $78,400 $84,700 $90,950 $97,250 $103,500
Median Family Income: $95,700


Itasca County
Family Size 1 2 3 4 5 6 7 8
30% $20,600 $23,550 $26,500 $29,400 $31,800 $34,150 $36,500 $38,850
50% 34,300 $39,200 $44,100 $49,000 $52,950 $56,850 $60,800 $64,700
60% $41,160 $47,040 $52,920 $58,800 $63,540 $68,220 $72,960 $77,640
80% $54,900 $62,750 $70,600 $78,400 $84,700 $90,950 $97,250 $103,500
Median Family Income: $92,900


Koochiching County
Family Size 1 2 3 4 5 6 7 8
30% $20,600 $23,550 $26,500 $29,400 $31,800 $34,150 $36,500 $38,850
50% $34,300 $39,200 $44,100 $49,000 $52,950 $56,850 $60,800 $64,700
60% $41,160 $47,040 $52,920 $58,800 $63,540 $68,220 $72,960 $77,640
80% $54,900 $62,750 $70,600 $78,400 $84,700 $90,950 $97,250 $103,500
Median Family Income: $88,100


Lake County
Family Size 1 2 3 4 5 6 7 8
30% $21,00 $24,000 $27,000 $29,950 $32,250 $34,750 $37,150 $39,550
50% $35,000 $40,000 $45,000 $49,950 $53,950 $57,950 $61,950 $65,950
60% $42,000 $48,000 $54,000 $59,940 $64,740 $69,540 $74,340 $79,140
80% $55,950 $63,950 $71,950 $79,900 $86,300 $92,700 $99,100 $105,500
Median Family Income: $99,900

 

Family sizes in excess of 8 persons are calculated by adding 8% of the four-person income limit for each additional family member.
That is, a 9-person limit should be 140% of the 4-person limit, the 10-person limit should be 148%.