Local housing resources
ST CLOUD HRA SUBSIDIZED AND RESIDENT PORTAL PROPERTY RECONCILIATION — The supplied subsidized page https://stcloudhra.com/subsidized-housing/ describes three named HRA-owned residences (Germain Towers, Grace McDowall and Northway B); the supplied online resident portal https://stcloudhra.com/online-resident-portal/ lists 18 resident account entries, not 18 verified vacancies. Following the HRA's public rental directory https://stcloudhra.com/rental-properties/ and its linked detail pages provides 13 named housing groups represented below; Swisshelm One/Two and Westwood One/Two each share a group page, while Cedar Ridge, Flintwood and Quarry Ridge appear only in the supplied resident portal and have no address/bedroom/opening evidence there. Four groups have individual street addresses; the other nine have road-only, range, multi-building or scattered-site locations and are not mapped to a guessed entrance. St. Cloud HRA subsidized overview https://stcloudhra.com/subsidized-housing/, HRA rental directory https://stcloudhra.com/rental-properties/ and linked property detail pages; reviewed September 29, 2026. The overview lists household income limits of $37,500 / $42,850 / $48,200 / $53,550 / $57,850 / $62,150 / $66,450 / $70,700 for one through eight persons, without a dated effective period; confirm the current limits and applicable program before applying. It says subsidized Germain, Grace and Northway B rent is income-based with residents paying utilities, unlike its public-housing portfolio. HRA-owned properties are smoke-free. Background checks are mentioned but no property-specific acceptance of a particular conviction is promised; request written criteria. A waitlist labelled “open” does not mean a unit is available. The resident portal https://stcloudhra.com/online-resident-portal/ is for resident account access, not a vacancy board or proof of an open application. Its Westwood links use guest-login paths even though they appear on the resident page; do not infer waitlist status from URL names. The generic applicant link https://stcloudhra.com/vp-applicant/ leads toward an HRA page that did not provide a working public application at review; use each property's official instructions and call St. Cloud HRA at 320-252-0880 to confirm intake. The office at 1225 W St. Germain Street is not Germain Towers at 905 W St. Germain Street. Al Loehr Veterans and Community Studio Apartments — 12th Street North, on VA Medical grounds (no building number on HRA page), St. Cloud MN 56303. HRA-managed studio apartments for single adults who are homeless or at risk, veterans and non-veterans. HRA rental directory labels its WAITLIST OPEN; not proof of a vacant studio. HRA detail says $590 monthly rent and matching deposit, subject to change; an income limit of $46,350, voucher acceptance and resident-paid cable/phone/internet, with other utilities included. Elevator, ramp, air conditioning, secure entry/storage, staff and parking. The site is on federal VA property with alcohol and firearms restrictions. Ask about referral/eligibility requirements before applying. Official detail https://stcloudhra.com/al-loehr/. Brownstones Townhomes — 8th and 9th Avenues North (multi-townhome community; no single residential entrance given), St. Cloud MN 56303. HRA-managed 12-townhome community; four two-bedroom and eight three-bedroom. HRA rental directory labels its WAITLIST OPEN; not a vacancy. Household of at least two; two bathrooms per home, stove, refrigerator, dishwasher, washer/dryer, AC, attached garage and playground. HRA detail lists $820 two-bedroom / $945 three-bedroom monthly rents and matching deposits, subject to change; residents pay all utilities. HRA says vouchers and small pets are accepted. Official detail https://stcloudhra.com/brownstones-townhomes/. Creeks Townhomes — 33rd Street South (24 townhomes in four buildings; no entrance number given), St. Cloud MN 56301. HRA-managed 24-townhome multi-building community. HRA rental directory labels its WAITLIST OPEN; not a vacancy. Two- and three-bedroom townhomes with two bathrooms, stove, refrigerator, dishwasher, laundry hookups, AC, garage, playground and community room. Household of at least two. HRA detail lists $820 two-bedroom / $945 three-bedroom rents and matching deposits, subject to change; residents pay all utilities. Vouchers and small pets accepted according to HRA. Official detail https://stcloudhra.com/creeks-townhomes/. Eastwood Apartments — 3rd Street NE (no building number on HRA page), St. Cloud MN 56304. HRA-managed 18-unit studio, one- and two-bedroom apartment building. HRA rental directory labels its WAITLIST OPEN; not a vacancy. HRA detail lists $595 studio / $735 one-bedroom / $900 two-bedroom monthly rents and matching deposits, subject to change; residents pay all utilities. HRA says vouchers and small pets are accepted. Confirm application and screening directly. Official detail https://stcloudhra.com/eastwood/. Empire Apartments — 54 4th Ave N, St. Cloud MN 56303. HRA public-housing one-bedroom apartments. HRA rental directory labels its WAITLIST CLOSED; an application link on the detail page does not reopen it. The detail page describes 88 one-bedroom apartments of about 437 square feet, with kitchen, bathroom/shower, shared laundry, community room, security, elevators, parking and accessible features. Public housing rent is described as 30% of income; verify calculation with HRA. Applicants undergo income, criminal-background, credit, past-housing and citizenship review. Small pets allowed. Source discrepancy: The public-housing overview says 89 Empire units; the building detail says 88. Treat both as source claims, not a reconciled current total. Official detail https://stcloudhra.com/empire-apartments/. Germain Towers Apartments — 905 W St. Germain St., St. Cloud MN 56301. HRA-owned subsidized one-bedroom apartments (separate from public housing). The linked HRA detail and rental directory label the WAITLIST OPEN; the subsidized overview says there are NO UNITS AVAILABLE. An open waitlist is not a vacancy. HRA detail describes 59 one-bedroom apartments of about 576 square feet, kitchen/stove/refrigerator, bathroom/shower, lobby/lounge/community room, laundry, security, elevators, parking, accessible features and caretaker. The overview says residents pay utilities and rent is based on 30% of income; the detail says 30% of gross income. Applicants face income, background, credit, prior-housing and citizenship checks; small pets allowed. Request current rent calculation and written screening. Source discrepancy: The subsidized overview calls it a 60-unit building, while its linked detail page says 59 one-bedroom units. Do not treat either as a vacancy count. Official detail https://stcloudhra.com/germain-towers-3/. Grace McDowall Apartments — 1525 Northway Drive, St. Cloud MN 56303. HRA-owned subsidized one-bedroom apartments for people 62+ or disabled (separate from public housing). HRA rental directory labels the WAITLIST OPEN; the subsidized overview says there are NO UNITS AVAILABLE AT THIS TIME. The building detail links an applicant portal but does not itself state a vacancy. Detail describes 88 one-bedroom apartments of about 422 square feet, stove/refrigerator, bathroom/shower, lobby, shared laundry, community room, security, elevators, parking, accessible features and caretaker. Residents must be 62+ or disabled. Overview says rent is based on 30% of income and residents pay utilities; detail says 30% of gross income. Income, background, credit, prior-housing and citizenship checks; small pets allowed. Request current written screening. Source discrepancy: The subsidized overview calls it an 89-unit building, while its linked detail says 88 one-bedroom units. Official detail https://stcloudhra.com/grace-mcdowall/. Northway B Townhomes — 2401–2425 15th Street North (multi-home address range; no single entrance for all homes), St. Cloud MN 56303. HRA-owned subsidized townhomes (separate from public housing). The linked HRA detail labels the WAITLIST CLOSED; do not mistake the overview's generic online-application instruction or resident login for an opening. Three-bedroom townhomes, plus a two-bedroom accessible unit; typical homes have 1½ baths (accessible home one bath), stove/refrigerator, laundry hookups, patio, garage and nearby playground. The overview says rent is based on 30% of income, with residents paying utilities. The detail says income, criminal-background, credit, prior-housing and citizenship checks; small pets allowed. No total unit count stated. Official detail https://stcloudhra.com/northway-b-townhomes/. Riverside Apartments — Riverside Drive SE (no building number on HRA page), St. Cloud MN 56304. HRA-managed independent senior apartments for adults 55+. HRA rental directory labels its WAITLIST OPEN; not a vacancy. HRA describes a riverfront community room, enclosed porch, laundry, controlled/security entry, elevator, caretaker and bus access. Rents listed as $750 one-bedroom, $770 large one-bedroom and $900 two-bedroom with matching deposits, subject to change. Residents pay cable/phone/internet; other utilities included. HRA says vouchers and small pets accepted. Official detail https://stcloudhra.com/riverside-apartments/. Scattered Sites / Family Housing — 40 houses and 36 townhomes at scattered St. Cloud-area addresses, not one mappable entrance, St. Cloud MN. HRA public-housing group of 76 family homes, 3–5 bedrooms in rental directory. HRA rental directory and detail page label its WAITLIST CLOSED. The HRA detail describes 40 single-family homes plus 36 townhomes throughout the St. Cloud area, not one residence. Public-housing overview includes them in 76 family units; applications require income, background, credit, previous-housing and citizenship review. Public-housing rent is described as 30% of income; ask for current written policy. Never use HRA office address for these homes. Official detail https://stcloudhra.com/scattered-sites/. Swisshelm Village Apartments One & Two — Laudenbach Court (two separate 32-apartment buildings; no building-specific street numbers given), St. Cloud MN 56301. HRA-managed two-building apartment group, 32 two-/three-bedroom apartments per building. HRA rental directory labels the Swisshelm Village WAITLIST OPEN; not two separate vacancies. Both buildings have two laundry rooms, a community room, controlled entry, caretaker, playground, and apartments with deck/patio, garage, AC, stove, refrigerator, microwave and dishwasher. HRA lists $920 two-bedroom / $1,060 three-bedroom rent and matching deposit, subject to change; residents pay electric and communications. Vouchers and small pets accepted according to HRA. Official detail https://stcloudhra.com/swisshelm-village/. Westwood Village Apartments One & Two — Savanna Avenue (two separate 32-apartment buildings; no building-specific street numbers given), St. Cloud MN 56303. HRA-managed two-building apartment group, 32 two-/three-bedroom apartments per building. HRA rental directory labels the Westwood Village WAITLIST OPEN; not two separate vacancies. Both buildings have laundry, community room, controlled entry, caretaker, playground, and apartments with deck/patio, garage, AC, stove, refrigerator, microwave and dishwasher. HRA lists $920 two-bedroom / $1,060 three-bedroom rent and matching deposit, subject to change; residents pay electric and communications. Vouchers and small pets accepted according to HRA. Official detail https://stcloudhra.com/westwood-village/. Wilson Apartments — 41 3rd Ave NE, St. Cloud MN 56301. HRA public-housing one-bedroom apartments (east side, Benton County). HRA rental directory labels its WAITLIST CLOSED; an applicant link does not establish open intake. HRA detail describes 125 one-bedroom apartments of about 420 square feet with stove/refrigerator, bathroom/shower, lobby, community room, shared laundry, security, elevators, parking and accessible features. Applicants face income, background, credit, past-housing and citizenship review. HRA describes rent as 30% of income; ask for written policy. Small pets allowed. Source discrepancy: The public-housing overview says 126 Wilson units; the building detail says 125. Its overview totals 291 public-housing units (89 Empire + 126 Wilson + 76 family), while building-detail claims would sum to 289 with the same family count. Official detail https://stcloudhra.com/wilson-apartments/. Resident portal directory (https://stcloudhra.com/online-resident-portal/): Al Loehr Apartments — resident login https://al-loehr-apts-rentcafewebsite.securecafe.com/residentservices/al-loehr-apts/userlogin.aspx; Brownstones Townhomes — resident login https://brownstones-townhomes-rentcafewebsite.securecafe.com/residentservices/brownstones-townhomes/userlogin.aspx; Cedar Ridge Townhomes — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx; Creeks Townhomes — resident login https://creeks-townhomes-rentcafewebsite.securecafe.com/residentservices/creeks-townhomes/userlogin.aspx; Eastwood Apartments — resident login https://eastwood-apts-rentcafewebsite.securecafe.com/residentservices/eastwood-apts/userlogin.aspx; Empire Apartments — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx; Flintwood Townhomes — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx; Germain Towers — resident login https://germain-towers-apts-0-rentcafewebsite.securecafe.com/residentservices/germain-towers-apts-0/userlogin.aspx; Grace McDowall Apartments — resident login https://northway-a-b-rentcafewebsite.securecafe.com/residentservices/northway-a-b/userlogin.aspx; Northway B Townhomes — resident login https://northway-a-b-rentcafewebsite.securecafe.com/residentservices/northway-a-b/userlogin.aspx; Riverside Apartments — resident login https://riverside-apts-0-rentcafewebsite.securecafe.com/residentservices/riverside-apts-0/userlogin.aspx; Scattered Sites: Single Family Homes — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx; Quarry Ridge Townhomes — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx; Swisshelm Village One Apartments — resident login https://swisshelm-one-apts-rentcafewebsite.securecafe.com/residentservices/swisshelm-one-apts/userlogin.aspx; Swisshelm Village Two Apartments — resident login https://swisshelm-two-apts-rentcafewebsite.securecafe.com/residentservices/swisshelm-two-apts/userlogin.aspx; Westwood Village One Apartments — resident login https://westwood-one-apts-rentcafewebsite.securecafe.com/onlineleasing/westwood-one-apts/guestlogin.aspx; Westwood Village Two Apartments — resident login https://westwood-two-apts-rentcafewebsite.securecafe.com/onlineleasing/westwood-two-apts/guestlogin.aspx; Wilson Apartments — resident login https://housingportal-stcloudhra.securecafe.com/residentservices/st-cloud-hra/userlogin.aspx. These URLs require the appropriate resident account; they are not vacancy notices. Cedar Ridge, Flintwood and Quarry Ridge are only names and shared login links in this supplied source, so no residential entrance, inventory or intake status is inferred. Public-housing program context, separate from the three subsidized properties: https://stcloudhra.com/public-housing/ says 291 units in its headline breakdown (89 Empire, 126 Wilson and 76 family units including 40 scattered-site houses), but its linked building pages give 88 Empire and 125 Wilson. It links a 2026 Admissions and Continued Occupancy Policy for the public-housing program; do not automatically apply that document to the separate subsidized properties.