For Homebuyers
You may be able to purchase a home built through the Inspiring Communities program if:
- Your household is income-eligible (see limits below) and
- Prior to purchase, you complete homeownership counseling, coaching or education provided by an approved Homeownership Advisor. These HUD-approved Homeownership Advisors operate in Saint Paul:
- Neighborhood Development Alliance (NeDA):
- NeighborWorks Home Partners:
- LSS Financial Counseling
- Communidades Latinas Unidas en Servicio (CLUES)
- Model Cities, Inc.
Visit www.hocmn.org for assistance in contacting HUD-approved counselors and educators outside of Saint Paul.
See the “Inspiring Communities 2022 RFP Properties” list in the Current Solicitations section to learn where new homes may be available for purchase over the next several years.
Financial assistance for eligible homebuyers may be available from the Saint Paul HRA. Ask a Homeownership Advisor for details.
Homebuyer Income Limits
All homes built through the program must be sold to buyers with household income below 80% of the Twin Cities median. Some will have lower limits, set at 70% or 60% of area median. As of May 2021, these limits are:
Household Size |
1 person |
2 persons |
3 persons |
4 persons |
5 persons |
6 persons |
7 persons |
8 persons |
60% AMI |
$44,100 |
$50,400 |
$56,700 |
$62,940 |
$67,950 |
$73,020 |
$78,060 |
$83,100 |
70% AMI |
$50,050 |
$57,200 |
$64,350 |
$71,450 |
$77,150 |
$82,900 |
$88,600 |
$94,300 |
80% AMI |
$55,950 |
$63,950 |
$71,950 |
$79,900 |
$86,300 |
$92,700 |
$99,100 |
$105,500 |
The limits above are current as of May 2021 and change every year, usually in spring or early summer. Income is determined only prior to purchase; homeowners do not need to meet any certain income limit to continue owning or living in the home.