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    Housing Support Program (HSP): What You Pay

    The Housing Support Program (HSP) looks at your income to:

    • Figure out if you qualify
    • See how much you need to contribute for your room and board each month, and
    • See how much money you get to keep for your personal expenses.

    How HSP looks at your income depends on:

    Types of Housing Support Program (HSP) Settings

    HSP can help you live and get services in different types of settings. Most people who get HSP live in Adult Foster Care (AFC), assisted living, or Board and Lodge.

    Some people who get HSP live in Supportive Housing. It is usually for people who have experienced long-term homelessness. Housing Benefits 101 (HB101) has more information about Supportive Housing.

    Important: Most people who get HSP don't live in Supportive Housing, but if you do, your income and payment are calculated differently. If you aren't sure if you live in Supportive Housing, check with your housing manager or Chat with a Hub expert.

    What You Pay (Not Supportive Housing)

    If you don't live in Supportive Housing, how your room and board is calculated depends on whether you get Supplemental Security Income (SSI) benefits.

    If You Get SSI

    If you get HSP, get SSI, and don't live in Supportive Housing, it doesn't matter how much you get in SSI or how much you earn: your countable income for HSP is $862.

    You have to pay $862 for room and board. You get to keep any other income you have.

    Example: HSP with an SSI benefit (not in Supportive Housing)

    Evelyn makes $1,400 per month at a job and gets $336.50 in SSI benefits, for a total gross income of $1,736.50. She gets SSI, so her countable income is $862.

    She will have to pay $862 each month to her housing provider. She keeps the rest of her income ($874.50) for her personal expenses.

    Housing Support with SSI (not Supportive Housing)

    If You Don't Get SSI

    If you get HSP, don't get SSI benefits, and don't live in Supportive Housing, follow these steps to see what you pay:

    1. If you have any earned income, subtract a $65 earned income exclusion from your gross income (your total income before any taxes are taken out).
      • You get to keep the $65.
    2. Divide the resulting amount of gross earned income by two. This is your countable earned income.
      • Less than half of your initial earned income is counted. You get to keep the rest.
    3. Add your countable earned income from step two to any unearned income you have and subtract $132 from that number.
      • The $132 is called your personal needs allowance. It is yours to spend on whatever you want or need.
    4. The final number is your countable income, which is what you pay toward your housing.
      • If you qualify for HSP, you have to pay the full amount of your countable income for room and board.
    Example: HSP without SSI benefits (not in Supportive Housing)

    Anna makes $200 per month at a job and gets $750 per month in spousal support, for a total of $950 in gross income.

    Anna's Monthly Income (no SSI benefit):
    Housing Support, no SSI (not Supportive Housing)

    What You Pay in Supportive Housing

    If you live in Supportive Housing, your room and board contribution calculations are different. The amount you pay is based on if you get Supplemental Security Income (SSI) benefits, get other unearned income, or don't have any unearned income.

    If You Get SSI

    If you get HSP, get SSI, and live in Supportive Housing, it doesn't matter how much you get in SSI or how much you earn: your countable income for HSP is 30% of SSI's maximum benefit, which is $298.20 in 2026.

    You have to pay $298.20 for room and board. You get to keep any other income you have!

    Important: If your income goes up enough that you stop getting any SSI, your income will be counted differently and you will have to pay more for room and board. If you will stop getting SSI, look at the other sections on this page to find your situation and see what you would have to pay. For help understanding this situation, Chat with a Hub expert.

    Example: HSP with an SSI benefit (in Supportive Housing)

    Betty makes $1,400 per month at a job and gets $336.50 in SSI benefits, for a total gross income of $1,736.50. Her countable income is $298.20.

    She will have to pay $298.20 each month to her housing provider or property manager. She keeps the rest of her income ($1,438.30) for her personal expenses.

    Housing Support with SSI (Supportive Housing)

    If You Have Unearned Income, but Don't Get SSI

    If you get HSP, live in Supportive Housing, and do not get SSI, but do have other unearned income (such as SSDI, other disability benefits, retirement benefits, unemployment insurance, interest in a bank account, etc.), follow these steps to see your countable income:

    1. Add up all of your gross earned income and unearned income. This is your total income.
    2. Multiply this by 30%.
    3. The final number is your countable income for HSP.

    This is the amount you pay for room and board to your HSP provider. You keep the other 70% of your income.

    Example: HSP with unearned income but no SSI (in Supportive Housing)

    Charlotte makes $600 per month walking dogs and gets $1,400 per month in Social Security Disability Insurance (SSDI), for a total of $2,000. 30% of $2,000 is $600, so that's what she pays for room and board for her supportive housing. She keeps the rest of her income ($1,400) and can spend it on other things.

    Housing Support with unearned income, but no SSI (Supportive Housing)

    If You Don't Have Any Unearned Income

    If you get HSP, live in Supportive Housing and don't have any unearned income, follow these steps to see your countable income:

    1. If you have any earned income, subtract a $65 earned income exclusion from it.
      • You get to keep the $65.
    2. Divide the resulting amount of earned income by two. This is your countable earned income.
      • Less than half of your initial earned income is counted. You get to keep the rest.
    3. Subtract $132 from that number.
      • This is called your personal needs allowance. It is yours to spend on whatever you want or need.
    4. The final number is your countable income.
      • If you qualify for HSP, you have to pay the full amount of your countable income for room and board.
    Example: HSP without unearned income (in Supportive Housing)

    Sheila makes $1,500 per month at a job and has no unearned income.

    Sheila's Monthly Income (no unearned income, Supportive Housing):
    Housing Support, no unearned income (Supportive Housing)

    Learn more

    Supplemental Security Income (SSI)

    SSI helps people with disabilities and seniors who have low income and resources.

    Minnesota Supplemental Aid (MSA)

    MSA is a state program that helps many people who get SSI.

    Benefits and Work Estimator

    See how a work plan can help your situation.