Earn an 85% tax credit and help us build affordable homes!
Starting just after Valentine’s Day, you can show your love for affordable homes in our communities. You’ll also love how it affects your taxes! Part of what you already owe in taxes can be dedicated to building new, efficient homes.
The Minnesota State Housing Tax Credit was created in 2023 and lets Minnesota taxpayers contribute money to a dedicated housing fund. The entire contribution supports the taxpayer’s selected project. In return, contributors receive a state tax credit equal to 85% of their contribution. You can make your contribution as soon as Tuesday, February 17, 2026.
In 2025, all available state housing tax credits were claimed within weeks of opening.
The minimum contribution is $1,000, making this program accessible to individual donors. Businesses and larger investors can give any amount up to $2 million. If you contribute $1,000, you receive an $850 credit that directly reduces what you owe in Minnesota taxes. Instead of a deduction for charitable giving, this is a dollar-for-dollar credit against your tax bill.
North St. Louis County Habitat for Humanity has two projects registered with the Minnesota Housing Finance Agency. They are titled Home on the Range Buhl2 and Home on the Range Virginia. Donating to these specific projects helps our entire homeownership program. We’re building homes with six families in 2026!
Act soon! That’s not just a sales gimmick. Within weeks of applications opening in 2025, nearly one-third of the annual fund had already been claimed. This is a popular program! We suggest completing the application as soon as it is available. You do not need to submit payment at the same time.
We’re happy to walk you through the application process. If you can take advantage of this opportunity, you can control where your tax money is spent and help ensure more of your neighbors can afford a decent place to live.
- Fill out the State Housing Tax Credit Contribution Application at mnhousing.gov/shtc-contribution.html. Add your personal information and information for the project of your choice.
Project details (you’ll need these)
Taxpayer’s taxable year of contribution: 2026
Contribution is for: Specific Qualified Project
Name of project: Home on the Range Virginia OR Home on the Range Buhl2
Type of project: Homeownership
Developer: North St. Louis County Habitat for Humanity
Contact telephone number: 218-749-8910
Contact email address: habitat@nslchfh.org
Other project information: N/A - Minnesota Housing staff reviews the application to verify your eligibility. You will receive an email via DocuSign, which is how you will give your signature and receive payment instructions.
- Submit signed document and contribution. To secure tax credits, you must return the signed document and full payment within the timeframe specified in the DocuSign email. Note: You will submit payments to Minnesota Housing, a state agency, not to Habitat.
- Issuance of Tax Credit Certificate. Once Minnesota Housing receives the signed document and funds, they will issue a tax credit certificate within 30 days. Use this when filing taxes next spring. The credit must be claimed for 2026, but excess credits can be carried over to each of the 10 following taxable years
We received $61,000 from our supporters in 2024 and 2025, and our goal is $50,000 for each of our registered projects in 2026.
Here’s what some of our contributors told us about why they participated:
“I didn’t know exactly how it worked at first, but then I found out it was easy. In fact, I plan on giving more this year. It allows you to choose where your money goes and helps the people who need help.”
—A 2024 State Housing Tax Credit Fund contributor
“I’m honored to be a financial contributor to one of North St. Louis County’s Habitat for Humanity homes through the Minnesota State Housing Tax Credit. This program allowed me to leverage a larger up-front investment to support NSLC Habitat for Humanity’s work through an 85% tax credit for my contribution. Being able to contribute directly to a Habitat home, in this case in St. Louis County, is important to me because everyone deserves a decent place to live and build community. The work Habitat does to make homeownership possible for more families is a model example of a local organization providing leadership and collaboration necessary to create opportunities for more families to have a place of their own to call home.”
—A 2025 tax credit fund contributor
View a sample of the application form here. This is not the application itself, but you’ll see what information they need.
The main tax credit webpage can be found on the Minnesota Housing Finance Agency’s website. That’s where you’ll find the application once it opens on February 17. You’ll also see how much has already been contributed. We aren’t kidding when we say the fund fills up fast!
Visit this State Housing Tax Credit Program and Contribution Fund page for a program overview, Minnesota statutes related to the fund, and more details about contributing and using the tax credit. The Minnesota Department of Revenue explains how different entities can claim the tax credit.
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