Mission Statement

Our mission is to provide affordable, decent, safe and sanitary housing to elderly and families at 115% at state median income and below through:

  • Rental assistance
  • Rental and single-family home rehabilitation
  • Low interest mortgage loans and down-payment programs
  • Family self-sufficiency program
  • Single and multi-family construction

Vision Statement

  • We will strive to make our programs as easily understood as possible.
  • We will strive to secure the resources to accommodate our clients’ needs.
  • We will strive to educate our political representatives about our clients’ needs.

Values Statement

Work Culture
We are respective to our co-workers. We will respect each other’s dignity and recognize each other’s merit. We will feel free to make suggestions for improvements. We will provide opportunities for personal and professional growth and development. We will allow a flexible environment within the framework of our mission. We believe in operating as a team.

Customer Focus
We believe in a ‘single point of contact’ information service to all customers. We will treat all internal and external customers with respect and in a courteous manner. We will provide efficient services. We believe all co-workers will have an understanding of all functions of SEMMCHRA. We believe in promoting SEMMCHRA Departments and the types of services provided.

Organizational Effectiveness
We will be proactive in developing partnerships with other departments and agencies to avoid duplication while providing the best possible service to our internal and external customers. We will maximize the use of all available resources in a cost effective manner without sacrificing the quality of services.

Citizens will have easy access to services from knowledgeable and responsible employees. Citizen feedback, through any method of participation, will be valued within the process of improvements. All HRA Employees and elected officials will demonstrate professional integrity in all business relationships.


The Southeastern Minnesota Multi-County Housing and Redevelopment Authority (SEMMCHRA) was organized in August of 1981. Wabasha and Goodhue Counties felt that there was a shortage of decent, safe and sanitary housing available and affordable to elderly persons, individuals and families of low and moderate incomes. The counties determined there was a need for a HRA to exercise their power and create housing for these individuals. Winona and Dodge Counties later joined the HRA to meet the needs of the citizens in their communities.

Our housing objective at SEMMCHRA is to provide affordable, decent, safe and sanitary housing to citizens residing in our service area. This is accomplished through rental assistance, family self-sufficiency programs, rental and single-family property rehabilitation, first time homebuyer loans and down payment assistance.

Our development objectives are to assist in redeveloping slum and blighted properties and to coordinate economic development activities. This is accomplished through relocation, acquisition, demolition, rehabilitation, new construction, exercising Tax Exempt Bonding Authority and Tax Increment Financing.

SEMMCHRA’s primary sources of external funding come from Housing and Urban Development (HUD), Rural Development, Minnesota Housing Finance Agency (MHFA), Greater Minnesota Housing Fund (GMHF), Minnesota Department of Employment and Economic Development (DEED), Tax Increment Financing (TIF), local banking institutions, property tax levy and bond issues. Other sources of funds are secured through local utility companies and private foundations.

We offer several programs and operate a variety of projects throughout our service area. Our agency is divided into three departments: Housing, Community Development & Administration.

Assisted Housing services and programs include: Section 8 Rental Assistance, Family Self-Sufficiency, Public Housing for low income individuals and families and market rate housing for families and persons 55 or better.

Community Development offers a variety of services and programs including: Small Cities Development Programs, Minnesota Housing Finance Agency Programs, single-family, rental, and commercial rehabilitation grants and loans, Tax Increment Financing, first time homebuyer loans and down payment assistance.

The Administration Division is responsible for community planning, project development, new program implementation, fiscal support and day-to-day administrative operations.

The HRA has a Board of Commissioners who are appointed by the County Boards. Each county appoints two commissioners. The duty of the commissioners is to set policies and provide guidance in the overall operation of SEMMCHRA.

SEMMCHRA is a fair housing and equal opportunity provider.