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St. Cloud HRA | 1225 West St. Germain St. | St. Cloud, MN 56301
St Cloud Housing and Redevelopment Authority
St Cloud Housing and Redevelopment Authority
Public Housing/Section 8 Income Requirements

INCOME (defined): Income means income from all sources of each member of the household as determined in accordance with criteria established by HUD. (See also "Annual Income.")

ANNUAL INCOME (defined): Annual income means the anticipated total income from all sources received by the head of household and spouse (even if temporarily absent) and by each additional member of the family, 18 years and older, including all net income derived from assets, for the 12-month period following the effective date of initial determination or re-examination of income. Annual income includes, but is not limited to: the full amount of wages and salaries; net income from a business or profession; net income of any kind from assets; periodic payments from Social Security, annuities, insurance policies, retirement income, pensions, disability or death benefits; welfare assistance; alimony and regular contributions or gifts; all regular pay, special payments and allowances received by a member of the Armed Forces; payments to the head of the household for support of a minor; relocation payments made to displaced persons under the Uniform Relocation Act. Annual income does not include: non-recurring income, defined as casual, sporadic, and irregular gifts, reimbursements for the cost of treatment of an illness or medical care, or certain temporary, non-recurring or sporadic income; income from employment of minors (including foster children); income of certain care providers; lump sum additions to family assets; the full amount of student financial assistance paid directly to the student or to the educational institution; special pay to a family member serving in the Armed Forces who is exposed to hostile fire; income from certain training programs; reparation payments; earnings in excess of $480 for each full-time student who is 18 years old or older (excluding head of household or spouse); adoption assistance payments in excess of $480 per adopted child; refunds or rebates received by the family for property taxes paid on the dwelling unit; amounts specifically excluded by any other Federal statute from consideration as income for purposes of determining eligibility or benefits under a category of assistance programs that includes assistance under the National Housing Act of 1937 or Section 236 of the National Housing and Community Development Act of 1974.

ADJUSTED INCOME (defined): Adjusted income means annual income (as determined by the responsible entity) of the members of the family residing or intending to reside in the dwelling unit. In determining adjusted income, the responsible entity must deduct the following mandatory deductions from annual income: $480 for each dependent; $400 for any elderly family or disabled family; the sum of the following, to the extent the sum exceeds three percent of annual income; unreimbursed medical expenses of any elderly family or disabled family; and unreimbursed reasonable attendant care and auxiliary apparatus expenses for each member of the family who is a person with disabilities, to the extent necessary to enable any member of the family (including the member who is a person with disabilities) to be employed, but this allowance may not exceed the earned income received by family members who are 18 years of age or older who are able to work because of such attendant care or auxiliary apparatus; and any reasonable child care expenses necessary to enable a member of the family to be employed or to further his or her education.

INCOME LIMITS: The applicant family or individual must meet income requirements.  The family’s annual income anticipated for the next twelve months must be at or below the current income limit set for low income families. This income limit is based upon 80% of the median income for the area. The Public Housing Authority examines the current family income and projects it forward for the next twelve months to calculate anticipated annual income. A period of less than twelve months may be used if the family’s source of income is temporary or unusual, and which will not likely recur in the next twelve months. No deductions or allowances are subtracted from the total annual income in determining the family’s eligibility for the program. The income limit restrictions do not apply to a family already living in Public Housing. The family will not be required to move out if their income exceeds the current income limit.