Income Limits for Home Improvement Programs
Fix Up Loan/Community Fix Up Loan Programs
The following income limits are effective for Fix Up Loans locked on or after July 1, 2026.
| 11-County Twin Cities Metro Area* | Dodge and Olmsted Counties | All Other Counties |
|---|---|---|
| $196,600 | $196,600 | $177,800 |
The following income limits are effective for Energy Loan Plus loans locked on or after July 1, 2026.
| 11-County Twin Cities Metro Area* | Dodge and Olmsted Counties | All Other Counties |
|---|---|---|
| $105,200 | $108,700 | $95,200 |
*The 11-County Twin Cities Metro Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright counties.
Incentive Rate Energy loans do not currently have an income limit.
The income limit is waived if the improvement is being made for the accessibility of a family member who has a disability.
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 July 1, 2026.
| Household Size | Income Limits |
|---|---|
1 Person | $27,700 |
2 People | $31,600 |
3 People | $35,600 |
4 People | $39,500 |
5 People | $42,700 |
6 People | $45,800 |
7 People | $49,000 |
8 People | $52,100 |
9 People | $55,300 |
10 People | $58,400 |
11 People | $61,600 |
12 People | $64,700 |
Contact RLP.ELP@state.mn.us for larger household sizes.
Disaster Recovery Loan Program
No income limits apply to the Disaster Recovery Loan Program.