Income Limits for Home Improvement Programs

Fix Up Loan/Community Fix Up Loan Programs

The following income limits are effective for Fix Up Loans (including Energy Incentive Loans) locked on or after June 2, 2025.

11-County Twin Cities Metro Area*	Dodge and Olmsted Counties	All Other Counties
$172,100	$172,100	$152,000

The following income limits are effective for Energy Loan Plus loans locked on or after June 2, 2025.

11-County Twin Cities Metro Area*	Dodge and Olmsted Counties	All Other Counties
$105,900	$100,400	$93,500

*The 11-County Twin Cities Metro Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright counties.

The income limit is waived if the improvement is being made for the accessibility of a family member who has a disability.

Previous Income Limits

Community Fix Up Loan Program initiatives may have more restrictive income limits. Contact a Community Fix Up lender for more information.

Rehabilitation Loan Program/Emergency and Accessibility Loan Program

Rehabilitation Loan Program income limits are based on HUD median family income estimates and calculated at 30% of the Minneapolis/St. Paul area median income and are applicable in all Rehabilitation Program areas of the state.

Minnesota Housing allows reducing household income by $1,000 per household member. When determining income qualifications, borrowers may reduce their annual income by $1,000 per household member.

The following income limits are effective for any loans locked under the Rehabilitation Loan Program/Emergency & Accessibility Loan Program on or after June 2, 2025.

Household Size	Income Limits
1 Person	$27,800
2 People	$31,800
3 People	$35,700
4 People	$39,700
5 People	$42,900
6 People	$46,100
7 People	$49,200
8 People	$52,400
9 People	$55,600
10 People	$58,800
11 People	$61,900
12 People	$65,100

Contact RLP.ELP@state.mn.us for larger household sizes.

Disaster Recovery Loan Program

No income limits apply to the Disaster Recovery Loan Program.