Planning & Development

Loan and Incentive Programs

The City of Duluth, Housing and Redevelopment Authority of Duluth, Minnesota (HRA), and Local Initiatives Support Corporation (LISC) work closely to provide loan and incentive programs for homeowners, rental property owners, and developers. Contact us today to learn more. 

The City of Duluth, with assistance from local partners, is now accepting pre-applications for the Housing Trust Fund! This $4 million fund will provide assistance for qualified housing infill and restoration projects. To learn more about programs available, please review the program outline below. 

*Programs are intended for homebuilders, licensed contractors and developers; individuals and homeowners are only eligible for Infill ADU program. 

Overview of Programs

Available City Owned Infill Parcels (click parcel ID number (PID) below for more information).

  • City owned sites may be available at no cost for affordable projects only.
  • See PID links for minimum number of units required for each site. City has discretion to adjust desired density for affordable projects. 
  • Site status will be updated as loan applications are approved. Lots conveyed on a first-come, first-serve basis to eligible projects and are not guaranteed until loan is fully processed and approved. 
Site Parcel ID Status
010-1180-00440 Available
010-3030-01190 Available
010-4480-04260 Available
010-4530-00700 Available

To submit a pre-application, please follow the instructions on the form linked below.

Submit a pre-application

Healthy Homes Homeowner Rehab Program: Zero interest deferred loans of up to $30,000 are available to qualified homeowners for single-family home repair projects (i.e - energy efficiency, roof repair/replacement, window replacement, HVAC, etc.).  Contact the Housing and Redevelopment Authority of Duluth to begin the application process. 












Exterior Housing Renovation Matching Funds: Deferred loans for renovation costs of up to $15,500 through MN Housing. Contact the Housing and Redevelopment Authority of Duluth to begin the application process or to learn more. 

Rental Rehab Loan Program: Zero interest loans of up to $15,000 per rental unit ($10,000 per studio/efficiency unit) to qualified property owners. Contact the Housing and Redevelopment Authority of Duluth to begin the application process. 


Ecolibrium3: 2014 W Superior Street, 218-336-1038

  • Home energy efficiency, solar power models, sustainable housing solutions

One Roof Community Housing: 12 E 4th Street, 218-727-5372

  • Community land trusts, home buyer training and resources, tenant landlord connection, down payment assistance, repair & remodel loans

American Indian Community Housing Organization (AICHO): 202 W 2nd Street, 218-722-7225

  • Housing and supportive services, tenant resources, emergency shelter

Local Initiatives Support Corporation (LISC): 202 W Superior Street, 218-727-7761

  • Lending and financial support, affordable housing, community engagement

Housing and Redevelopment Authority of Duluth, MN (HRA): 222 E 2nd Street, 218-529-6300

  • Section 8 rental assistance, public housing, rental and homeowner property rehab, home ownership assistance

Center City Housing Corporation: 105 1/2 W 1st Street, 218-722-7161

  • Affordable housing facility management, case management support, homeless support