St Cloud Housing and Redevelopment Authority

What St Cloud Housing and Redevelopment Authority does

St. Cloud Housing and Redevelopment Authority (St. Cloud HRA) is a public housing authority established under Minnesota state law and headquartered at 1225 W St. Germain Street in St. Cloud, Minnesota. Governed by a seven-member Board of Commissioners appointed by the Mayor and confirmed by the City Council, the HRA operates two parallel lines of business: (1) direct ownership and management of physical housing units, comprising 291 Public Housing units (Empire Apartments, Wilson Apartments, Germain Towers, Grace McDowall Apartments, Northway B Townhomes, and 40 scattered single-family homes plus 36 townhomes) and 328 Affordable Housing units (Al Loehr, Brownstones, Creeks, Eastwood, Riverside, Swisshelm Village, Westwood Village); and (2) administration of rental assistance vouchers enabling tenants to lease from private landlords at market rates. The voucher portfolio totals more than 1,081 instruments, including 950 Housing Choice Vouchers (Section 8), 75 HUD-VASH vouchers for homeless veterans, 49 Emergency Housing Vouchers awarded under the American Rescue Plan of 2021, 7 Stability Vouchers awarded effective October 1, 2023, plus Mainstream, Foster Youth Initiative, and Project Based Vouchers (Westwood Village and Swisshelm Village). Specialized supportive programs — HUD Continuum of Care, Bridges (Minnesota Housing-funded), and CommUNITY/ACT Rental Assistance — serve households experiencing homelessness or with mental illness, delivered in partnership with Central MN Mental Health Center, Catholic Charities, the Salvation Army, the St. Cloud VA Healthcare System, and the Central MN Continuum of Care Coordinated Entry system.

The underlying technology stack is conventional: no proprietary systems are documented. The HRA uses YARDI/RentCafe/Securecafe platforms for tenant portals, applicant waiting lists, and landlord access, and lists properties via an AffordableHousing.com partnership. Tenant intake follows a hybrid sales-led and community-led go-to-market model combining online applicant portals, coordinated entry referrals, and partner-agency case management. Homeownership-side revenue comes from CDBG Home Rehabilitation Loans (up to $25,000 for City of St. Cloud homeowners) and the suspended Homestead Incentive Loan Program ($5,000 deferred loan).

Revenue is not publicly disclosed; the business model is fundamentally pass-through and federally funded. The HRA receives HUD Public Housing Operating Subsidy for its 291 public housing units, HUD per-voucher administrative fees plus pass-through housing assistance payments for its voucher portfolio, Minnesota Housing funding for Bridges, and CommUNITY Adult Mental Health Initiative (CAMHI) funding for ACT rental assistance. Tenant contributions are uniformly set at 30% of adjusted gross income across public housing and most voucher programs, while the 328 Affordable Housing units charge market rents ranging from $590 (Al Loehr studio) to $1,060 (Swisshelm/Westwood 3BR). The HRA's economics are therefore highly sensitive to federal appropriations cycles, and the recent suspension of the locally funded Homestead Incentive Loan (April 23, 2025) illustrates the fragility of non-HUD revenue lines. Customer concentration on a single federal funder (HUD) is the defining risk characteristic of the entity.

Name

St Cloud Housing and Redevelopment Authority

Legal name

St. Cloud Housing and Redevelopment Authority

Website

https://stcloudhra.com

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

11–50 employees

Short description

St. Cloud Housing and Redevelopment Authority is a Minnesota public housing authority that owns and manages 619 affordable and public housing units and administers more than 1,081 federal and state rental assistance vouchers for low-income households, seniors, homeless veterans, foster youth, and persons with mental illness in the St. Cloud metropolitan area.

Ownership category

akta.pro rank

Product category

Public Housing Administration

NAICS

Administration of Housing Programs (925110), Administration of Housing Programs (92511), Services to Buildings and Dwellings (5617)

SIC

Real Estate Agents & Managers (For Others) (6531), Real Estate Operators (No Developers) & Lessors (6510)

akta.pro industry

PRIMARYBPAIANAA

Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing)

Business & Public Services/Public Sector & Government Administration/Housing, Urban Planning & Community Development

SECONDARYBPAJAMAI

Affordable & Public Housing Asset Management

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Asset & Portfolio Management

SECONDARYFSALAKAE

Down Payment Assistance (DPA) & Homebuyer Subsidy Programs

Financial & Insurance/Mortgage & Housing Finance/Housing Finance Agencies & Government-Sponsored Housing Programs

Keywords

• Affordable rental housing
• Housing choice vouchers
• Public housing administration
• Rental assistance programs
• Homelessness support services

Headquarters

HQ city

Saint Cloud

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Supply Chain

Revenue model

1. HUD Public Housing Operating Subsidy: Federal operating subsidy from HUD to operate 291 units of public housing. Revenue generated from resident rent payments (30% of adjusted income) combined with HUD operating subsidies.
2. Housing Choice Voucher Program Funding: HUD-funded rental assistance program with 950 HCV vouchers. HRA pays landlords the difference between tenant contribution (30% of income) and contract rent. Revenue from HUD based on voucher utilization and administrative fees.
3. HUD Continuum of Care Rental Assistance: HUD-funded rental assistance for households experiencing homelessness. HRA pays landlords directly with HUD funding. Partners with Central MN Mental Health Center, Catholic Charities, and Salvation Army for service provision.
4. Bridges Rental Assistance: Minnesota Housing-funded rental assistance for households with mental illness. Participants pay minimum 30% of monthly adjusted income, HRA pays remainder to property owners.
5. CommUNITY and ACT Rental Assistance: Funded by CommUNITY Adult Mental Health Initiative (CAMHI). Provides rental assistance for households with severe persistent mental illness while awaiting HCV or other subsidy. Includes security deposit funding.
6. CDBG Home Rehabilitation Loans: Community Development Block Grant program providing loans up to $25,000 for home improvements to eligible City of St. Cloud homeowners. Focus on health, safety, and weatherization.
7. Specialized Voucher Programs: HUD-VASH (75 vouchers for veterans), Emergency Housing Vouchers (49 awarded, no new referrals as of 9/30/2023), Mainstream Vouchers (disabled households), Foster Youth Initiative Vouchers, and Stability Vouchers (7 awarded).
8. Project Based Voucher Program: PBV contracts at Westwood Village Apartments, Swisshelm Village Apartments providing monthly rental assistance at designated properties.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

The St. Cloud Housing and Redevelopment Authority (HRA) is a government housing authority that owns and manages 619 units of public and affordable housing across multiple residential properties in St. Cloud, Minnesota, and administers more than 1,081 federal, state, and locally funded rental assistance vouchers. It also provides homeownership support through CDBG rehabilitation loans of up to $25,000 for income-eligible homeowners. Operations are funded primarily through HUD federal subsidies, voucher program administrative fees, and resident rents based on income.

Product overview

St. Cloud HRA operates a comprehensive housing authority offering public housing units, multiple rental assistance voucher programs, and homeownership programs. The organization owns and manages 291 Public Housing units (including Empire, Wilson, and scattered sites) and 328 Affordable Housing units (including Al Loehr, Brownstones, Creeks, Eastwood, Riverside, Swisshelm Village, and Westwood Village). Rental assistance programs include Housing Choice Vouchers (950 HCV), HUD-VASH (75), Emergency Housing Vouchers (49), Stability Vouchers (7), Project Based Vouchers, and specialty programs for homeless populations (CoC, Bridges, CommUNITY/ACT). Homeownership programs include the CDBG Home Rehabilitation Loan Program (up to $25,000) and Homestead Incentive Loan Program ($5,000 deferred). Online portals enable residents and landlords to access services digitally.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Housing Program Public housing units owned and managed by St. Cloud HRA, comprising 291 units including Empire Apartments (89 units), Wilson Apartments (126 units), and 76 family units including 40 scattered site homes. Rent is based on 30% of gross income.
• Housing Choice Voucher (Section 8) HUD-funded rental assistance program helping low-income households pay rent on market-rate rental units. The HRA has 950 HCV vouchers and pays subsidies directly to landlords, with tenants paying 30% of income.
• HUD Continuum of Care (CoC) Rental Assistance HUD-funded rental assistance for households experiencing homelessness, providing support services in partnership with Central MN Mental Health Center, Catholic Charities, and The Salvation Army.
• Bridges Rental Assistance Minnesota Housing-funded program helping households with very low incomes and mental illness pay rent while waiting for Housing Choice Voucher. Participants pay a minimum of 30% of monthly adjusted income.
• CommUNITY & ACT Rental Assistance Rental assistance for households with severe persistent mental illness funded by CommUNITY Adult Mental Health Initiative, provided in partnership with ACT Teams of Central MN Mental Health Center. Includes security deposit funding.
• HUD-VASH (Veterans Affairs Supportive Housing) Combined Housing Choice Voucher rental assistance for homeless Veterans with case management and clinical services from the St. Cloud VA Healthcare System. The HRA has 75 HUD-VASH vouchers, with priority for chronically homeless veterans.
• Emergency Housing Vouchers (EHV) 49 Emergency Housing Vouchers awarded by HUD through the American Rescue Plan of 2021 for individuals experiencing homelessness, at risk of homelessness, fleeing domestic violence, or recently homeless. No new referrals as of September 30, 2023.
• Stability Vouchers (SV) 7 Stability Vouchers awarded effective October 1, 2023 for individuals experiencing or at risk of homelessness, administered in partnership with Central Minnesota CoC.
• Project Based Voucher Program (PBV) Monthly rental assistance administered at Westwood Village Apartments One and Swisshelm Village Apartments One and Two, providing housing stability at designated properties.
• Family Self-Sufficiency Program (FSS) Voluntary program helping Section 8 participants and Public Housing residents achieve economic independence over a five-year period through case management.
• Mainstream Vouchers Rental assistance for non-elderly adults (ages 18-61) with disabilities, on the waiting list for Housing Choice Vouchers.
• Foster Youth Initiative Vouchers (FYI) HUD-funded vouchers for foster youth under age 25 who are or have recently left foster care without a home, including pregnant and parenting youth. Referred through county child welfare agencies.
• CDBG Home Rehabilitation Loan Program Community Development Block Grant program providing eligible homeowners up to $25,000 for basic home improvements including windows, siding, electrical, plumbing, roofing, heating, and energy-saving improvements.
• Homestead Incentive Loan Program Deferred loan program of $5,000 to aid revitalization of St. Cloud Core Neighborhoods and encourage owner-occupied homes. Currently suspended until more funding is available.
• Al Loehr Veterans & Community Studio Apartments 61 studio apartments for Veteran and non-Veteran single adults who are homeless or at risk, located on VA Medical grounds. Rent is $590/month.
• Brownstones Townhomes 12-unit townhouse community with four 2-bedroom and eight 3-bedroom units near downtown. Rents from $820-$945/month.
• Creeks Townhomes 24 units in four two-story buildings near Country Club and I-94. Rents from $820-$945/month for 2-3 bedrooms.
• Eastwood Apartments 18 units including studio, 1-, and 2-bedroom units. Rents from $595-$900/month.
• Riverside Apartments 85 units for residents 55+ located on scenic Mississippi River. Rents from $750-$900/month.
• Swisshelm Village Apartments 64 units (32 each at One and Two) in southwestern St. Cloud near I-94. Rents from $920-$1,060/month. Includes Project-Based Voucher contracts.
• Westwood Village Apartments 64 units (32 each at One and Two) in western St. Cloud. Rents from $920-$1,060/month. Includes Project-Based Voucher contracts.
• Wilson Apartments 126 one-bedroom units in Benton County. 420 sq ft units with rent based on 30% of gross income.
• Germain Towers 59 one-bedroom units downtown on St. Germain Street. 576 sq ft units with rent based on 30% of gross income.
• Grace McDowall Apartments 88 one-bedroom units for residents age 62+ or disabled, near Whitney Senior Center. 422 sq ft units with rent based on 30% of gross income.
• Empire Apartments 88 one-bedroom subsidized units near Mississippi River. 437 sq ft units with rent based on 30% of gross income.
• Northway B Townhomes Subsidized 3-bedroom townhomes near Whitney Senior Center with 1.5 baths, laundry hookups, patio, and garage.
• Scattered Sites / Family Housing 40 single family homes and 36 townhomes across the St. Cloud area. 3-5 bedroom subsidized units.

Quantifiable outcome

• 950 HCV vouchers administered providing rental assistance to low-income households
• +3 more outcomes

Named customers12 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Central MN Mental Health CentercoreStrategic or Co-development PartnerPrimary partner for HUD Continuum of Care Rental Assistance program, providing support services to help individuals experiencing homelessness move into permanent housing. Also provides ACT Teams for CommUNITY and ACT Rental Assistance programs serving mentally ill populations.
• Catholic CharitiescoreStrategic or Co-development PartnerPartner in HUD Continuum of Care Rental Assistance program, providing support services to help homeless individuals move into permanent housing.
• The Salvation ArmycoreStrategic or Co-development PartnerPartner in HUD Continuum of Care Rental Assistance program, providing support services to help homeless individuals move into permanent housing.
• St. Cloud VA Healthcare SystemcoreStrategic or Co-development PartnerReferral source for HUD-VASH program combining Housing Choice Voucher rental assistance with VA case management and clinical services for homeless veterans.
• Anna Marie's AllianceminorStrategic or Co-development PartnerDomestic violence shelter providing referrals for Emergency Housing Vouchers for current and former residents fleeing domestic violence.
• Lutheran Social Services Saving GraceminorStrategic or Co-development PartnerReferral partner for Emergency Housing Vouchers, servicing current and former residents.
• Terebinth RefugeminorStrategic or Co-development PartnerReferral partner for Emergency Housing Vouchers, servicing current and former residents.
• Benton, Sherburne, and Stearns County Public Child Welfare AgenciescoreStrategic or Co-development PartnerReferral sources for Foster Youth Initiative Vouchers targeting young adults under 25 leaving foster care.
• Central MN Continuum of Care (Coordinated Entry)coreStrategic or Co-development PartnerCoordinated entry system providing referrals for Bridges, CoC, and Stability Voucher programs. Call to Connect at 1-866-560-7464.
• AffordableHousing.comcoreGTM or Marketing PartnerEnhanced property listing platform partnership enabling landlords to list rental properties and HCV tenants to search for housing. Part of housing choice and mobility assistance.

Scale indicators8 records

Recent moves6 records

Expansion highlights3 records

Regional players

• Dakota County Community Development Agency: Minnesota county-level housing agency administering Section 8 and affordable housing programs in the Twin Cities metro. Comparable operating model but serves a different suburban jurisdiction than St. Cloud.
• Washington County Housing and Redevelopment Authority: Minnesota county-level housing authority administering federal housing programs in the eastern Twin Cities metro. Similar structure and funding sources to St. Cloud HRA but in a different geographic market.
• Anoka County Housing and Redevelopment Authority: Minnesota suburban county housing authority with HCV and affordable housing programs. Comparable federally funded model serving a different Twin Cities-adjacent jurisdiction.
• Stearns County HRA: Minnesota county-level housing authority serving Stearns County, which geographically overlaps with St. Cloud. Operates HUD-funded programs with similar population segments to St. Cloud HRA.

Direct peers

• Saint Paul Public Housing Agency: Twin Cities HUD-funded housing authority administering HCV, public housing, and Project Based Voucher programs. Comparable mission, funding sources, and population segments served.
• Metro HRA (formerly Metro Housing and Redevelopment Authority): Minnesota housing authority serving the greater Twin Cities metro area with Section 8 and public housing programs. Operates a similar federal funding model and is a direct comparable for voucher administration scale.
• Minneapolis Public Housing Authority (MPHA): Large Minnesota public housing authority administering HCV, public housing, and specialized voucher programs. Directly comparable as a fellow Minnesota HUD-funded housing authority with similar program mix and governance structure.

Others

• U.S. Department of Housing and Urban Development (HUD): Federal agency that funds and regulates St. Cloud HRA's programs. Not a peer in the competitive sense but the most important external relationship — providing HCV, public housing operating subsidies, HUD-VASH, EHV, and other funding streams that constitute nearly all HRA revenue.

Broad incumbents

• New York City Housing Authority (NYCHA): Largest US public housing authority managing 162,000+ Section 9 units and 90,000+ HCVs. Operates the same federally funded model but at a vastly larger scale, making it a useful comparable for program structure though not direct competition.
• Chicago Housing Authority (CHA): Major US public housing authority operating public housing, HCV, and Project Based Voucher programs. Comparable federally funded model and program mix at much larger scale than St. Cloud HRA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about St Cloud Housing and Redevelopment Authority