Century Hills
Cottages of White Bear Township
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There are 163 low-income apartments in White Bear Lake that offer reduced rents to eligible households. Low-income rents in White Bear Lake, Minnesota can range from $1,060 to $1,060 depending on the number of bedrooms.
Rental assistance programs support 237 low-income homes in White Bear Lake where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $367 towards rent each month.
Affordable rent data for some communities last confirmed on July 2nd, 2024. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving White Bear Lake, Minnesota
Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.
| Housing Authority | Programs |
|---|---|
| Mental Health Resources | Section 8 Housing Choice Voucher (HCV) |
| Metropolitan Council Housing and Redevelopment Authority | Section 8 Housing Choice Voucher (HCV); Public Housing |
White Bear Lake, Minnesota Affordable Housing Data
Income Based Apartments in White Bear Lake, Minnesota
White Bear Lake features 237 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.
Low Rent Apartments in White Bear Lake, Minnesota
There are 163 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in White Bear Lake.
Housing Choice Vouchers in White Bear Lake, Minnesota
On average, Section 8 Housing Choice vouchers pay White Bear Lake landlords $900 per month towards rent. The average voucher holder contributes $400 towards rent in White Bear Lake.
The maximum amount a voucher would pay on behalf of a low-income tenant in White Bear Lake, Minnesota for a two-bedroom apartment is between $1,460 and $1,784.
2024 White Bear Lake, Minnesota Fair Market Rents and Housing Choice Voucher Payment Standards
Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.
| Studio | One BR | Two BR | Three BR | Four BR | |
|---|---|---|---|---|---|
| White Bear Lake, Minnesota Fair Market Rent | $1,174 | $1,327 | $1,622 | $2,188 | $2,478 |
| White Bear Lake, Minnesota Payment Standard Range | $1,057 to $1,291 | $1,194 to $1,460 | $1,460 to $1,784 | $1,969 to $2,407 | $2,230 to $2,726 |
Sourced from federal housing data and AffordableHousingOnline.com research.
White Bear Lake, MN Affordable Housing Snapshot
| Total Affordable Apartment Properties | 9 |
|---|---|
| Total Low Income Apartments | 401 |
| Total Housing Units with Rental Assistance | 237 |
| Percentage of Housing Units Occupied By Renters | 30.97% |
| Average Renter Household Size | 2.05 |
| Average Household Size | 2.38 |
| Median Household Income | $62,205 ±$2,609 |
| Median Rent | $938 ±$46 |
| Percentage Of Renters Overburdened | 50.52% ± 6.89pp |
| Total Population | 24,709 |
Population and Household Demographics
White Bear Lake is a city in Ramsey County, Minnesota with a population of 24,709. There are 10,238 households in the city with an average household size of 2.38 persons. 30.97% of households in White Bear Lake are renters.
Income and Rent Overburden in White Bear Lake
The median gross income for households in White Bear Lake is $62,205 a year, or $5,184 a month. The median rent for the city is $938 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In White Bear Lake, a household making less than $3,127 a month would be considered overburdened when renting an apartment at or above the median rent. 50.52% of households who rent are overburdened in White Bear Lake.
Area Median Income In White Bear Lake
Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.
HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For White Bear Lake, the AMI is calculated from all households within Ramsey County.
In White Bear Lake, HUD calculates the Area Median Income for a family of four as $124,900
Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.
Rental Assistance in White Bear Lake
Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.
Income Qualifications for HUD Rental Assistance in White Bear Lake
| 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person | |
|---|---|---|---|---|---|---|---|---|
| 30% AMI Income Limits Renters earning up to 30% of the White Bear Lake AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$26,100 | $29,800 | $33,550 | $37,250 | $40,250 | $43,250 | $46,200 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the White Bear Lake AMI may qualify for rental assistance programs that target Very Low Income households. |
$43,500 | $49,700 | $55,900 | $62,100 | $67,100 | $72,050 | $77,050 | $82,000 |
| 80% AMI Income Limits Renters earning up to 80% of the White Bear Lake AMI may qualify for rental assistance programs that target Low Income households. |
$66,300 | $75,750 | $85,200 | $94,650 | $102,250 | $109,800 | $117,400 | $124,950 |
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