For a list of all City and County housing programs, click here.

Minnesota Housing Homeownership Programs

Make your dream of homeownership a reality with help from Minnesota Housing and the city of Perham! Whether you’re a first-time buyer, repeat buyer, or want to refinance, there’s an affordable Minnesota Housing program that’s right for you.

Why choose a Minnesota Housing loan?

  • Low, fixed interest rates for the life of the loan
  • Purchase and refinance options for first-time and repeat homebuyers
  • Downpayment and closing cost loans up to $17,000 for qualified borrowers
  • Exclusive 3% down conventional products with low-cost or no mortgage insurance
  • Works with industry standard products including FHA, VA, Conventional and Rural Development

Do you qualify?

Requirements vary based on program, and all borrowers must meet minimum credit score requirements. Visit the Minnesota Housing website for current information, including:

  • Income limits
  • Home cost limits
  • Homebuyer education requirements

How to Get Started

Contact a participating lender.

Living in Perham means a relaxed lifestyle in a close-knit community where you don’t have to sacrifice an excellent education or high quality health care and services. If you’re ready to make a move and choose the best of both worlds, consider Perham as your move of a lifetime.

The Perham area has added over 150 rental units since 2008 and has build-ready, spacious, residential lots at competitive prices. Our neighborhoods feature wide streets and expansive boulevards. Let us help you find the perfect home in the Perham area.

Lakeland Apartments

Check out Lakeland Apartment! Now accepting applications.

Housing Rental Bulletin Board

The City of Perham offers a bulletin board to help those looking for rental housing in the Perham area.
To have your listing posted, e-mail a short description and contact information to: eguzman@cityofperham.com.

Click here to view Rental Bulletin Board.

The following information was received about 3/11/2024 (from Dennis Craswell):

Lake home 2 bed 1 bath w/ garage, dock included,  on Bass lake $850 rent and utilities, $850 deposit.   Dennis Craswell (218-841-4863)

The following information was received about 11/7/2023 (from Chris Cadem):

Your Lake Life is waiting! Gorgeous 4 bed, 3 bath house on south shore of Big Pine Lake is now available. 2490 sq. ft. Huge open floorplan kitchen with vaulted ceilings, washer, dryer, wood fireplaces, central air, large indoor basement shop, front and rear decks, family room with walk-out, lake-facing patio, dock, garage, three storage buildings, sandy gradual lake bottom perfect for swimming and fishing. Credit check required. $2,999/mos. First month and matching damage deposit required at lease signing. This is a tobacco free property. Contact Chris for a showing or with questions. 651-492-4478.

The following information was received about 2/13/2023 (from Dennis Craswell):

Duplex Lake Home just outside of Vergas , Lower level, utilities paid, 1 bed 1 bath, references required , available 1st of March 218-841-4863  Rent $750, Deposit $750(References Required)

2bed 2bath on 2 acres of property , 2 miles out of Perham Rent$1450, Deposit $1450, all utilities paid (References required) 218-841-4863

The following information was received about 10/03/2022 (from Deb S.):

Amazing 3 bedroom, 2 bathroom house 1/4 mi outside city limits of Perham. Amenities included: central air, central heat, 2 decks, dishwasher, refrigerator, hardwood floors, updated kitchen, updated bathroom, storage, washer dryer hook up, and fenced yard. Utilities included: water, sewer & garbage. Must be able to maintain the large yard and flower beds. May consider a pet depending upon breed, deposit and extra monthly fee. Date Available: Nov 1st 2022. $1,300/month rent. $1,300 security deposit required.

Must have acceptable credit history & background check Please contact Deb at 218-298-0411 to learn more.

The following information was received on 12/14/2021 (from SVR):

Briarwood is located in the heart of peaceful lakes country. Experience the joy of stress-free living in a safe and vibrant 55+ apartment building. You’ll feel right at home in a friendly environment with many churches, eateries, parks, golf courses, and some of the region’s most unique shopping within minutes of your apartment.

Briarwood apartments come in a variety of living space options to meet your unique needs. Rent includes all utilities – except telephone – and on-site laundry facilities and in-unit hookups if you would like to bring your own machines. From basic fixes in your apartment to landscaping and snow removal – your maintenance services are covered. Be sure to ask about our seasonal rent reductions if you summer at the cabin or head south for the winter.

Learn more about life at Briarwood at https://www.perhamhealth.org/briarwood or contact Linda at

(218) 347-1865.

The following information was received on 12/14/2021 (from SVR):

St. James Manor offers one-bedroom apartments with subsidized rent for adults 62 years and older, and people with disabilities. St. James Manor is conveniently close to churches, healthcare, recreation, and shopping and presents a comfortable and safe choice for housing.

With utilities and maintenance fixes included in the rent, St. James Manor provides worry-free living. Fur babies welcome.

Learn more about St. James Manor at https://www.perhamhealth.org/stjamesmanor or contact Linda at (218) 347-1854


Click here for a listing of our qualified realtors.

Otter Tail County Housing Website

Click here to be directed to the Otter Tail County Housing Website

Area Landlords

Those wishing to rent a home or apartment can find a list of those with possible rental properties here.