The Minnesota Guide to Section 8 Housing
Section 8 in Minnesota is a lifeline for low-income individuals and families that addresses the gap between earnings and housing costs. Minnesota currently has a shortage of affordable housing, making the voucher program invaluable for offering stability, preventing homelessness, and contributing to the overall well-being of the public.
What Is Section 8 Housing in Minnesota?
The Housing Choice Voucher Program, or Section 8, is Minnesota’s solution to the state’s affordable housing challenges. Administered by the Minnesota Public Housing Authority, this initiative provides approximately 45,000 households with vouchers that ensure renters won’t spend more than one-third of their income on housing.
A common misconception is that Section 8 limits you to subsidized housing projects. Instead, you can use your voucher for a variety of other housing options. These include:
- Apartments
- Rental homes
- Duplexes and townhomes
- Condominiums
- Mobile homes
The landlord of these properties must agree to participate in the Section 8 program and enter into a contractual agreement with the PHA. Additionally, the property must meet specific program requirements and criteria set by the local Public Housing Agency, which includes safety and sanitation standards.
What Is the Most Section 8 Will Pay in Minnesota?
The Section 8 program requires you to contribute 30% of your adjusted monthly income towards rent. This calculation begins by assessing your household's total income, which includes wages, Social Security, and any other qualifying sources.
To calculate your specific assistance amount, the PHA subtracts 30% of your adjusted income from the Payment Standard based on fair market rents in your area and set by the local PHA. The result is the amount of assistance you receive, ensuring your rental costs do not exceed 30% of your income.
It's important to understand that if you choose to rent a unit where the rent is higher than the Payment Standard, you will be responsible for covering the difference. However, the program offers flexibility by allowing you to select a housing option that best suits your needs and financial situation.
Fair Market Rent
The HUD Section 8 program pays rents for low-income households directly to private landlords. The Housing Authority of Minnesota will pay about 70% of a tenant’s rent, while the tenant will pay the other 30%. Fair Market Rents generally determine the maximum rent that a Section 8 landlord will be allowed to charge their residents. The table below shows current fair market rents for Minnesota.
What Are the Minnesota Section 8 Housing Requirements?
In Minnesota, participating in the Section 8 voucher program involves meeting specific eligibility criteria. To qualify, your household income must fall within the low-income limits set forth by the PHA. You also need to show a clean rental history with no recent evictions or housing-related issues.
The PHA will assess factors such as your family’s size and composition. You must be either a U.S. citizen or an eligible noncitizen. They will also take a look at any criminal background, although it’s important to understand that a criminal history won’t necessarily prevent you from receiving assistance. As a voucher holder, you must pay your rent on time, adhere to the lease agreement, keep the property in good condition, and report any changes to your eligibility.
What Are the Income Limits for Housing Assistance Programs in Minnesota?
The Section 8 program in Minnesota sets income limits to determine eligibility for rental assistance based on the area's median income. These limits vary depending on family size and are typically set at 50% of the local median income.
As of 2021, the state median income for Minnesota was about $78,000. However, in the Minneapolis-St. Paul region, where living costs may be higher, the median income was slightly elevated at around $87,000. These figures generally fluctuate from year to year.
Income Limit
Income Limits are maximum income limits allowed based on household size. The following limits were established by HUD for low income households to be eligible for housing assistance in Minnesota for 2024.
How Long Does It Take To Get Approved for Section 8 in Minnesota?
Getting approved for a Section 8 voucher in Minnesota can vary in duration, influenced by several factors.
The demand for affordable housing in your area plays a significant role. In more densely populated regions, waiting lists tend to be longer. Also, the time it takes for your local PHA to review and approve applications varies based on available funding and staffing resources.
On average, the waiting period for Section 8 approval in Minnesota can range from several months to several years. However, certain circumstances, such as being homeless or a victim of domestic violence, might give your application priority status.
To help expedite the process:
- Stay in contact with your PHA
- Update any changes in your contact information or household status
- Provide all requested documentation promptly throughout the waiting period
The wait may be frustrating, but securing a Section 8 voucher can provide necessary assistance in obtaining affordable housing for you and your family.
How To Qualify for Section 8 in Minnesota
To qualify for a Section 8 housing voucher in Minnesota, you must meet specific eligibility criteria.
Firstly, ensure your household income falls within the designated limits set by HUD. These limits vary based on factors such as family size and location within Minnesota. Generally, applicants with lower incomes have higher chances of qualifying.
Secondly, you must be a U.S. citizen or have eligible immigration status. Additionally, you need to pass a background check, which involves checking for criminal history and any history of eviction from public housing.
Furthermore, you may need to meet certain preferences set by your local PHA, which administers the Section 8 program. These could include being elderly, disabled, or a veteran.
Once you've determined your eligibility, you can apply for the Section 8 program through your local PHA. Upon reaching the top of the waiting list, you'll undergo a final eligibility determination before receiving your Section 8 voucher.
How To Apply for Section 8 Housing in Minnesota
Applying for Section 8 in Minnesota involves specific steps to determine your eligibility for enrollment.
-
Gather Documentation:
Collect your identification, proof of income, social security numbers for all household members, and information on other assets. -
Contact Local PHA:
Obtain application forms either online or in person from the local PHA that serves your area, and inquire about specific additional requirements. -
Submit Application:
Submit the completed application to the PHA within the specified timeframe. Some PHAs may offer online submission options. -
Verify Your Eligibility:
If you are selected, you will undergo a verification process that may include income validation, criminal background checks, and landlord references. -
Receive Voucher:
If you’re approved, you will receive a Section 8 voucher for a rental unit that meets the program requirements and your household’s needs.
Be sure to provide thorough and accurate information and promptly respond to any requests from the PHA throughout the process.
Can I Transfer My Section 8 Voucher to Minnesota?
Section 8 vouchers are usually portable, meaning that you can use them outside of the issuing PHA's jurisdiction, including in a different state. However, while the program is federal, its implementation and rules can vary by state and even by PHAs within the same state.
The receiving PHA (in Minnesota, in this case) must agree to accept the voucher. Confirm the policies and procedures with both the PHA that issued the voucher and the PHA in Minnesota where you plan to use it.
Before moving, you need to request permission to transfer the voucher from the PHA that issued it. The PHA will work with the Minnesota PHA to make the transfer.
Keep in mind that the amount of the voucher is based on local market conditions, so it may not cover the same level of rent in a different area. The receiving PHA will determine the payment standard for the new location.
Can I Buy a House With a Section 8 Voucher in Minnesota?
You cannot buy a house with a Section 8 voucher in Minnesota. Section 8 vouchers are designed to assist low-income individuals and families with rental assistance in the private market.
The voucher subsidizes a portion of your rent, but you cannot use it for mortgage payments or a down payment on a home. However, some housing authorities offer homeownership programs that help participants transition from renting to owning.
What Are the Public Housing Authorities in Minnesota?
Public Housing Authorities are government agencies that provide affordable housing solutions for low-income individuals and families, including the Section 8 Housing Choice Voucher program and public housing complexes.
Operating at the local level, PHAs collaborate with HUD to manage federally funded voucher programs by:
- Running the application process
- Maintaining the waiting list
- Providing guidelines to tenants on acceptable rental units
- Working with participating landlords to ensure compliance with the program’s rules
- Providing ongoing support to voucher holders, including addressing issues, reassessing eligibility, and renewing vouchers
PHAs also directly manage and oversee public housing complexes. This includes day-to-day operations such as collecting rents, performing maintenance and repairs, and ensuring that the properties meet health and safety standards.
HUD Housing Authorities Serving Minnesota
Becker County Economic Development Authority
Housing AuthorityThere Are Currently 99 Units Available in the Becker County Economic Development Authority. These Lo...
Big Stone County Housing and Redevelopment Authority
Housing AuthorityThere Are Currently 91 Units Available in the Big Stone County Housing and Redevelopment Authority....
Blue Earth County Economic Development Authority
Housing AuthorityThere Are Currently 147 Units Available in the Blue Earth County Economic Development Authority. The...
Breckenridge Housing and Redevelopment Authority of Breckenridge, Minnesota
Housing AuthorityThere Are Currently 79 Units Available in the Breckenridge Housing and Redevelopment Authority of Br...
Cambridge Economic Development Authority
Housing AuthorityThere Are Currently 45 Units Available in the Cambridge Economic Development Authority. These Low-in...
Carver County Community Development Agency
Housing Authority
Cass County Housing and Redevelopment Authority
Housing AuthorityThere Are Currently 149 Units Available in the Cass County Housing and Redevelopment Authority. Thes...
Clay County Housing and Redevelopment Authority
Housing AuthorityThere Are Currently 728 Units Available in the Clay County Housing and Redevelopment Authority. Thes...
Crookston Housing and Economic Development Authority
Housing AuthorityThere Are Currently 280 Units Available in the Crookston Housing and Economic Development Authority....
Dakota County Community Development Agency
Housing AuthorityThere Are Currently 2994 Units Available in the Dakota County Community Development Agency. These Lo...
Minnesota Waiting List for Section 8 Housing
The waiting list for the Minnesota Section 8 program can vary based on demand and available vouchers. Although it varies by region, it's common for wait times to extend several months to years.
When your turn approaches, expect a notification via mail, email, or phone. Keep your contact information updated with the PHA, and check your status regularly. Once selected, the PHA will proceed with your verification process.
Is There Emergency Housing Assistance Available in Minnesota?
Emergency Housing Assistance in Minnesota serves as a lifeline for individuals facing immediate housing crises. Designed to address urgent situations, such as evictions or domestic violence, it offers financial aid to prevent homelessness or assist those currently without shelter.
When you find yourself in a housing emergency, you can turn to the Section 8 assistance program for help with rent, security deposits, and other housing-related expenses. This program acknowledges the pressing need for rapid intervention, making sure that individuals and families can access safe and stable housing environments quickly.
To access this assistance, reach out directly to your local PHA in Minnesota. They will guide you through the application process, assess your eligibility, and work to expedite emergency aid.
Emergency Rental Assistance Serving Minnesota
Minnesota COVID-19 Emergency Rental Assistance
Program Type: State
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Saint Paul - Ramsey County Rental Assistance
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
The Zero Balance Project
Program Type: Region
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Find Out More on Section 8 in Minnesota
Almost 10% of Minnesota residents live below the poverty line, and the Section 8 Housing Choice Voucher program exists to help those people find and afford safe, clean housing. Moreover, the program extends much deeper with specific elements to address issues such as special assistance for people with disabilities and elderly persons. You can find additional guides and check the waiting list for Section 8 in Minnesota on the HUD Housing Network website.
