St. Cloud, MN MSA · FY2026 area median income $107,100 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $375 | $562 | $750 | $937 | $1,125 | $1,312 | $1,500 |
| 1BR | $401 | $602 | $803 | $1,004 | $1,205 | $1,406 | $1,607 |
| 2BR | $482 | $723 | $964 | $1,205 | $1,446 | $1,687 | $1,928 |
| 3BR | $557 | $835 | $1,114 | $1,392 | $1,671 | $1,949 | $2,228 |
| 4BR | $621 | $932 | $1,243 | $1,553 | $1,864 | $2,175 | $2,486 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $22,500 | $37,500 | $45,000 | $60,000 |
| 2 persons | $25,710 | $42,850 | $51,420 | $68,560 |
| 3 persons | $28,920 | $48,200 | $57,840 | $77,120 |
| 4 persons | $32,130 | $53,550 | $64,260 | $85,680 |
| 5 persons | $34,710 | $57,850 | $69,420 | $92,560 |
| 6 persons | $37,290 | $62,150 | $74,580 | $99,440 |
| 7 persons | $39,870 | $66,450 | $79,740 | $106,320 |
| 8 persons | $42,420 | $70,700 | $84,840 | $113,120 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in Benton County to see the sources and uses, bond test, DSCR, and funding gap using these rents.