St. Louis County office buildings will be closed Monday, May 27, in observance of Memorial Day.

Financial Assistance-Septic

Financial Assistance

St. Louis County offers different forms of financial assistance for septic owners.
Low Interest Loans: Repair, replacement or upgrading of any portion-of an ISTS that is outside the residential or commercial structure, including any part of a collector system between the house and the junction with the collector system. Click here for additional details.
  • Low Interest Loan
  • Maximum 10 Years
  • 3% Interest Rate
  • Maximum Loan $50,000
  • No Income Restrictions
Deferred Loans: Repair, replace, or upgrade any portion of an individual sewage treatment system deemed an Imminent Threat to Public Health (ITPH) or Non-Compliant. Click here for additional details.
  • System must be an Imminent Threat to Public Health (ITPH) or Non-Compliant
  • Available to eligible low-income households
  • Household projected gross annual income must be within USDA Rural Development low-income limits
  • Deferred loan with 0% interest and no monthly payments 
  • Forgivable at the end of the 5-year term with continued ownership and occupancy
Contact Information
Beth Davies
Arrowhead Economic Opportunity Agency (AEOA)
(218) 735-6819


Onsite Wastewater

Virginia Office

Phone: 218-471-7103
Fax: 218-471-7194

Duluth Office
Phone: 218-471-7103
Fax: 218-471-7194

All contacts