Replacement Housing Program  

The City of La Crosse's Replacement Housing Program has two goals; increase the number of affordable homes available for low-moderate income households and to revitalize neighborhoods. The City developed a partnership with Western Technical College and Central High School to assist in achieving these goals. The City provides Western and Central a hands-on job training site and materials to construct a single family owner occupied home. Upon completion the homes are sold to a low-moderate income household.

Currently there are no Replacement Housing Homes available for purchase.The homes listed below are under construction are anticipated to be completed as noted below. Please be advised that the anticipated completion date is an estimate.


Property Address & Completion Date:       

  • 1120 Liberty St  
    July 2019
  • 721 Charles St   
    September 2019
  • 1402 Charles St
    October 2019

Upon completion, homes will be listed on the Multiple Listing Service (MLS), at or below assessed value. To purchase a Replacement Housing home, the Buyer must have a gross income below 80% of County Median Income and qualify for a conventional mortgage. The City offers a deferred second mortgage to help make the monthly mortgage payments affordable to most income levels. Please review the Replacement Housing Application for specific details on the deferred second mortgage. The buyer must also participate in a HUD certified homebuyer counseling session. Please review the replacement housing application for a more detailed list of eligibility requirements. Click here for the Replacement Housing Application. All homes have an owner occupied deed restriction.

NOTE:  Buyers must submit a formal written offer to purchase AND a Replacement Housing Application. Offers to purchase have to be approved by the Community Development Committee (CDC), the CDC meets the 2nd Tuesday of the month. Offers to purchase and applications must be submitted by the 1st Tuesday to be considered for approval. Incomplete offers and applications will not be considered. 

2019 Maximum Gross Income Limits Number of Residents
 $44,050  1
$50,350 2
$56,650 3
$62,900 4
$67,950 5
$73,000 6
$78,000 7
$83,050 8

If you are interested in purchasing one of these homes and meet our income qualifications listed below, please contact Dawn Reinhart at 608-789-7360. Replacement Housing Program is located on the 3rd floor in City Hall, 400 La Crosse Street.

Looking for an easy, affordable loan to improve your home?

WHEDA's HomeStyle Renovation Program allows a borrower to purchase a property, or refinance an existing WHEDA loan AND roll allowable renovation and rehabilitation costs into the mortgage transaction. In addition, up to six months of mortgage payments can be included in the financing if a homeowner is unable to live in the home during the renovation. To make it even more affordable, eligible borrowers can use WHEDA down payment assistance to realize up to 100% financing. For more information, go to or speak with your lender.