Aging in Place Funding in Minnesota
Minnesota residents can access both federal and state programs to help pay for aging-in-place home modifications. Below is every program we've verified, with eligibility details and direct application links.
Federal Programs Available in Minnesota
These programs are available nationwide but may have state-specific administrators or requirements in Minnesota.
VA SAH Grant
Grant — Federal
Up to $126,669
Veterans with service-connected disabilities including loss of limbs, blindness, or severe burns
VA SHA Grant
Grant — Federal
Up to $25,000
Veterans with service-connected disabilities including blindness, loss of hands, or severe respiratory injury
VA HISA Grant
Grant — Federal
Up to $6,800
Veterans with any service-connected disability needing home modifications
USDA Section 504
Grant — Federal
Up to $10,000 (grant) or $40,000 (loan)
Rural homeowners 62+ with income below 50% of area median (grants) or below 80% (loans)
HUD OAHMP
Grant — Federal
Up to $5,000 per household
Low-income older adults (60+) in participating communities
Medicaid HCBS Waivers
Waiver — Federal
Varies by state
Medicaid-eligible individuals who would otherwise need institutional care; 47 states cover some home modifications
AAA Programs
Grant — Federal
Varies by locality
Adults 60+ in the service area of their local AAA; typically prioritizes low-income, minority, and rural populations
Minnesota-Specific Programs
These programs are unique to Minnesota and may have limited funding or geographic restrictions.
MN Elderly Waiver EAA
Waiver — MN State
Up to $21,199 per service year
Minnesota Medicaid-eligible residents 65+ who require nursing home level of care and choose community living. Covers home and vehicle modifications for accessibility, safety, and independence.
MN Disability Waiver EAA
Waiver — MN State
Varies by waiver (higher limits with exception requests)
Minnesota Medicaid-eligible individuals with brain injury, developmental disabilities, or other qualifying conditions. Environmental accessibility adaptations covered through multiple disability-specific waivers.
MN Veterans Relief
Grant — MN State
Varies
Minnesota veterans with financial need. Includes home repairs and modifications for eligible veterans. Apply through your County Veteran Service Officer.
Contractor Licensing in Minnesota
Minnesota requires a Residential Building Contractor license for contractors offering more than one 'special skill,' administered by the Department of Labor and Industry (DLI). Remodelers also require licensure. Exceptions: contractors making less than $15,000 annually (with certificate of exemption), specialty contractors providing only one skill, and homeowners doing work on their own homes. Minimum insurance: $100,000 per occurrence, $300,000 aggregate, $25,000 property damage. Workers' compensation is required for employees. For Medicaid waiver-funded EAA services, lead agencies must verify provider credentials, and comparable itemized bids are required.
Find Services by City in Minnesota
Minneapolis, MN
11.3% of residents over 65
St. Paul, MN
12.2% of residents over 65
Rochester, MN
16% of residents over 65
Duluth, MN
16.2% of residents over 65
Bloomington, MN
16.8% of residents over 65
Plymouth, MN
15.2% of residents over 65
Bemidji, MN
14.1% of residents over 65
Mankato, MN
13.8% of residents over 65
Edina, MN
18.1% of residents over 65
St. Cloud, MN
12.5% of residents over 65