Homeowner & Rental Rehab

Housing Rehabilitation exists to provide private homeowners and landlords the resources to make improvements to their homes through a variety of community-based programs. Our goal is to help homeowners who meet income limits, and landlords renting to low-income tenants keep their properties safe, secure and well-maintained. Because we know that good homes make for better neighborhoods.

Stronger Communities Start Here.

HRA Rehab Programs:

Healthy Homes Homeowner Rehab Program

Beginning July 1, 2020, the City in partnership with the Housing and Redevelopment Authority of Duluth (HRA) and U.S Department of Housing and Urban Development (HUD), will launch two modified housing rehab loan programs. The Healthy Homes Homeowner Rehab Program will provide zero interest, deferred loans of up to $30,000 to qualified homeowners for single-family home repair projects. Eligible projects include roof repair/replacement, window replacement, siding/envelope improvement and energy-efficiency upgrades. Eligible applicants must earn 80% of the area median income or less.

The Rental Rehab Loan Program will provide zero interest loans of up to $15,000 per rental unit ($10,000 per studio unit), and up to $30,000 for a single-family rental home for qualifying properties. To be eligible, units receiving Program funds must be available at rents that are affordable to tenants earning 80% of the area median income or less.
For more information : Click here

Single Family – 15 year Deferred Loan Program

Our 15 year deferred loan can assist homeowners in the City of Duluth with repairing, maintaining, and retrofitting your home.
For more information : Click here

Exterior Housing Renovation Matching Funds Program

The Exterior Housing Renovation Matching Funds Program will provide a 30 year deferred loan for renovation costs of up to $15,500.00 through Minnesota Housing. This program requires a dollar for dollar match that may be obtained as a forgivable loan for eligible participants. Eligible properties located in Lincoln Park, Central Hillside and East Hillside.
For more information : Click here

Rental Rehabilitation Program

The HRA can provide loans up to $15,000.00 per rental unit ($10,000.00 per zero bedroom unit). Term of loan is up to 20 years with a 0% fixed interest rate. Funds available to rental property owners who have building code repairs identified by the City of Duluth Fire Department-Life Safety Division. These repairs are usually time sensitive.
For more information: Click here

The goal of Housing Rehabilitation is to continually work to make our community better, one home at a time, and we want to help those that share our vision. Our dedicated staff will answer any questions you have and will help you through every step of the process.

So, are you ready to help make a difference?
Start here by completing the on-line service request or by phone.


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Section 8 Rental assistance

The HRA provides resources for property improvements to both owner-occupied housing and rental properties.

  • 222 E. Second Street
    P.O. Box 16900
    Duluth, MN 55816
    Phone #: 218-529-6300

    To place a call to a Minnesota Relay User, dial 7-1-1 or 1-800-627-3529.