Income limits · Minnesota

Income limits and price caps in Minnesota

68 Minnesota programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.68 Minnesota programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Hennepin	$131,500	21	FY2026	Hennepin programs →
Ramsey	$131,500	6	FY2026	Ramsey programs →
Anoka	$131,500	4	FY2026	Anoka programs →
Washington	$131,500	3	FY2026	Washington programs →
Crow Wing	$96,700	2	FY2026	Crow Wing programs →
Scott	$131,500	2	FY2026	Scott programs →
Beltrami	$95,800	1	FY2026	Beltrami programs →
Brown	$95,500	1	FY2026	Brown programs →
Carver	$131,500	1	FY2026	Carver programs →
Clay	$115,200	1	FY2026	Clay programs →
Dakota	$131,500	1	FY2026	Dakota programs →
Goodhue	$114,100	1	FY2026	Goodhue programs →
Mower	$97,800	1	FY2026	Mower programs →
Olmsted	$135,800	1	FY2026	Olmsted programs →
Polk	$106,800	1	FY2026	Polk programs →
Rice	$108,400	1	FY2026	Rice programs →
St. Louis	$101,100	1	FY2026	St. Louis programs →
Aitkin	$83,800	0	FY2026	Aitkin programs →
Becker	$98,100	0	FY2026	Becker programs →
Benton	$107,100	0	FY2026	Benton programs →
Big Stone	$101,700	0	FY2026	Big Stone programs →
Blue Earth	$106,500	0	FY2026	Blue Earth programs →
Carlton	$101,100	0	FY2026	Carlton programs →
Cass	$88,300	0	FY2026	Cass programs →
Chippewa	$97,500	0	FY2026	Chippewa programs →
Chisago	$131,500	0	FY2026	Chisago programs →
Clearwater	$90,400	0	FY2026	Clearwater programs →
Cook	$95,700	0	FY2026	Cook programs →
Cottonwood	$97,800	0	FY2026	Cottonwood programs →
Dodge	$135,800	0	FY2026	Dodge programs →
Douglas	$105,900	0	FY2026	Douglas programs →
Faribault	$88,200	0	FY2026	Faribault programs →
Fillmore	$98,800	0	FY2026	Fillmore programs →
Freeborn	$91,600	0	FY2026	Freeborn programs →
Grant	$95,600	0	FY2026	Grant programs →
Houston	$105,800	0	FY2026	Houston programs →
Hubbard	$92,900	0	FY2026	Hubbard programs →
Isanti	$131,500	0	FY2026	Isanti programs →
Itasca	$92,900	0	FY2026	Itasca programs →
Jackson	$99,100	0	FY2026	Jackson programs →
Kanabec	$93,500	0	FY2026	Kanabec programs →
Kandiyohi	$101,400	0	FY2026	Kandiyohi programs →
Kittson	$107,000	0	FY2026	Kittson programs →
Koochiching	$88,100	0	FY2026	Koochiching programs →
Lac qui Parle	$99,300	0	FY2026	Lac qui Parle programs →
Lake	$99,900	0	FY2026	Lake programs →
Lake of the Woods	$99,100	0	FY2026	Lake of the Woods programs →
Le Sueur	$116,800	0	FY2026	Le Sueur programs →
Lincoln	$91,500	0	FY2026	Lincoln programs →
Lyon	$102,300	0	FY2026	Lyon programs →
Mahnomen	$76,300	0	FY2026	Mahnomen programs →
Marshall	$98,700	0	FY2026	Marshall programs →
Martin	$86,100	0	FY2026	Martin programs →
McLeod	$107,300	0	FY2026	McLeod programs →
Meeker	$101,900	0	FY2026	Meeker programs →
Mille Lacs	$92,900	0	FY2026	Mille Lacs programs →
Morrison	$91,300	0	FY2026	Morrison programs →
Murray	$97,400	0	FY2026	Murray programs →
Nicollet	$106,500	0	FY2026	Nicollet programs →
Nobles	$83,300	0	FY2026	Nobles programs →
Norman	$97,500	0	FY2026	Norman programs →
Otter Tail	$99,700	0	FY2026	Otter Tail programs →
Pennington	$111,300	0	FY2026	Pennington programs →
Pine	$90,800	0	FY2026	Pine programs →
Pipestone	$88,000	0	FY2026	Pipestone programs →
Pope	$103,900	0	FY2026	Pope programs →
Red Lake	$106,700	0	FY2026	Red Lake programs →
Redwood	$92,100	0	FY2026	Redwood programs →
Renville	$94,200	0	FY2026	Renville programs →
Rock	$106,100	0	FY2026	Rock programs →
Roseau	$95,900	0	FY2026	Roseau programs →
Sherburne	$131,500	0	FY2026	Sherburne programs →
Sibley	$105,600	0	FY2026	Sibley programs →
Stearns	$107,100	0	FY2026	Stearns programs →
Steele	$117,000	0	FY2026	Steele programs →
Stevens	$100,400	0	FY2026	Stevens programs →
Swift	$82,700	0	FY2026	Swift programs →
Todd	$83,500	0	FY2026	Todd programs →
Traverse	$91,100	0	FY2026	Traverse programs →
Wabasha	$107,400	0	FY2026	Wabasha programs →
Wadena	$88,700	0	FY2026	Wadena programs →
Waseca	$95,600	0	FY2026	Waseca programs →
Watonwan	$100,200	0	FY2026	Watonwan programs →
Wilkin	$98,100	0	FY2026	Wilkin programs →
Winona	$106,300	0	FY2026	Winona programs →
Wright	$131,500	0	FY2026	Wright programs →
Yellow Medicine	$95,800	0	FY2026	Yellow Medicine programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–August 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Minnesota program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

24 programs

All 24 →

Up to 115% AMI

5 programs

All 5 →

Washington County CDA First-Generation Homebuyer Grant Program

Up to 110% AMI

4 programs

Up to 100% AMI

3 programs

Up to 120% AMI

3 programs

Other limits

Limits as written in each program record, Hey Prescott, verified June–August 2026. Confirm current limits with the administering agency.

Purchase price caps

24 programs also cap the home’s price24 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
Welcome Home (Sakan) Down Payment Assistance	Ramsey	130% AMI	$766,550
Community Keys Plus Down Payment Assistance	Hennepin\|Ramsey\|Washington\|Dakota\|Anoka	80% AMI	$700,000
Advancing Black Homeownership Community Fund DPA Program	Multiple	—	$659,550
Minnesota Housing - Deferred Payment Loan (DPL)	Statewide	80% AMI	$659,550
Minnesota Housing - Deferred Payment Loan Plus (DPL+)	Statewide	80% AMI	$659,550
Minnesota Housing - Monthly Payment Loan (MPL)	Statewide	—	$659,550
Gap program	Wabasha\|Goodhue\|Olmsted\|Dodge\|Steele\|Rice\|Houston\|Fillmore\|Winona	—	$604,400
Brooklyn Park Down Payment Assistance Loan	Hennepin	115% AMI	$515,200
Minnetonka Down Payment Assistance Deferred Loan	Hennepin	120% AMI	$500,000
Minnetonka Pathways to Homeownership Program	Hennepin	120% AMI	$500,000
Goodhue County Housing Trust Fund Workforce Housing Assistance Program	Goodhue	—	$472,030
City of Woodbury First-Time Homeownership Assistance Program	Washington	—	$451,500
Blaine Down Payment Assistance Loan	Anoka	90% AMI	$450,000
Scott County CDA First-Time Homebuyer Grant	Scott	—	$425,000
Shoreview First-time Homeowners Down Payment Assistance (Amortizing)	Ramsey	120% AMI	$425,000
Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)	Ramsey	80% AMI	$425,000
Carver County CDA Down Payment & Closing Cost Assistance Program	Carver	100% AMI	$415,000
Burnsville Down Payment Assistance Deferred Loan	Dakota	80% AMI	$410,000
First-Time Homebuyer Grant Program	Scott	—	$405,000
Minneapolis DPA Program	Hennepin	80% AMI	$400,000
FirstHome Down Payment Assistance Program	Ramsey	—	$372,600
Growing Affordable, Inclusive Neighborhoods (GAIN) in Olmsted County	Olmsted	80% AMI	$350,000
Homestead Incentive Loan Program	Stearns\|Benton\|Sherburne	—	$300,000
Austin/Mower County Homeownership Fund (A/MCHF)	Mower	—	$195,000

All 24 price caps →

Gap program$604,400
Brooklyn Park Down Payment Assistance Loan$515,200
Minnetonka Down Payment Assistance Deferred Loan$500,000
Minnetonka Pathways to Homeownership Program$500,000
Goodhue County Housing Trust Fund Workforce Housing Assistance Program$472,030
City of Woodbury First-Time Homeownership Assistance Program$451,500
Blaine Down Payment Assistance Loan$450,000
Scott County CDA First-Time Homebuyer Grant$425,000
Shoreview First-time Homeowners Down Payment Assistance (Amortizing)$425,000
Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)$425,000
Carver County CDA Down Payment & Closing Cost Assistance Program$415,000
Burnsville Down Payment Assistance Deferred Loan$410,000
First-Time Homebuyer Grant Program$405,000
Minneapolis DPA Program$400,000
FirstHome Down Payment Assistance Program$372,600
Growing Affordable, Inclusive Neighborhoods (GAIN) in Olmsted County$350,000
Homestead Incentive Loan Program$300,000
Austin/Mower County Homeownership Fund (A/MCHF)$195,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–August 2026.

Not sure where your income lands?

37 HUD-approved counseling agencies in Minnesota37 HUD-approved housing counseling agencies in Minnesota

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Minnesota

Minnesota programs71 programsBack to Minnesota →All 87 countiesLocal programs and mediansSee counties →20 cities with a programblaine, brooklyn center, brooklyn park and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Minnesota?

68 down payment assistance programs in Minnesota publish an income limit, a purchase price cap, or both. 42 express the limit as a share of the area median income for the county where the home is, and 40 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–August 2026.
HUD-approved housing counseling agencies: HUD agency list.