One Roof Community Housing
Public records show a registered, tax-exempt organization in good standing.
What it says it does
ONE ROOF MISSION STATEMENT: ENRICHING LIVES AND COMMUNITIES ONE HOME AT A TIME.ONE ROOF VISION STATEMENT: COMMUNITIES WHERE EVERYONE HAS ACCESS TO SUSTAINABLE AND AFFORDABLE HOUSING.ENRICHING LIVES & COMMUNITIES ONE HOME AT A TIME. ONE ROOF HELPS STRENGTHEN THE FOUNDATIONS OF OUR COMMUNITIES BY PROVIDING HOUSING SERVICES AND BUILDING AND SUSTAINING AFFORDABLE HOMES AND HEALTHY NEIGHBORHOODS. WE MAKE HOME A BETTER PLACE BY HELPING LOWER INCOME PEOPLE PURCHASE A HOME OR REPAIR THEIR HOME, BY PROVIDING HOUSING DEVELOPMENT SERVICES TO THE COMMUNITY, AND BY COORDINATING ACTIVITY ACROSS OUR NEIGHBORHOODS IN DULUTH. THIS WORK HELPS ONE ROOF FULFILL OUR MISSION OF ENSURING ACCESS TO SUSTAINABLE AND AFFORDABLE HOUSING FOR EVERYONE.
- Income
- $5.1 million
- Spending
- $2.9 million
- Spent on programs
- 66%
- Reserves
- 24.2 months of spending
- Largest source of income
- government grants, 100%
- Employees
- 32
- Volunteers
- 41
- Highest pay
- $155,025, executive director
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Strong: 90 out of 100. Higher than 81% of charities in its peer group (housing, $1m to $10m).
Reserves
35 of 35Spendable reserves would cover 24.2 months of spending.
Debt
10 of 20It owes 38% of what it owns.
Living within its means
15 of 15Income exceeded spending by 43% of income.
Income trend
15 of 15Income rose 32% on the year before.
Spending floor
15 of 1566% of spending went to programs and raising each dollar of donations cost 1 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 70% of charities in its peer group (housing, $1m to $10m).
Independent board
25 of 2513 of 13 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (5)
- $1.4 million spent. COMMUNITY LAND TRUST (CLT) PROGRAM: DEVELOPMENT AND STEWARDSHIP OF PERMANENTLY AFFORDABLE CLT HOMES FOR PURCHASE BY LOW-MODERATE INCOME HOUSEHOLDS TO ENSURE AFFORDABLE HOMEOWNERSHIP OPPORTUNITIES WILL EXIST IN OUR COMMUNITY FOR FUTURE GENERATIONS. CURRENT FOCUS IS ON ACQUISITION-REHABILITATION AND SALE OF PROPERTIES IN DULUTH, PROCTOR, HERMANTOWN, CLOQUET, GRAND RAPIDS AND TWO HARBORS. WE ALSO HAVE A NUMBER OF NEW CONSTRUCTION HOMES IN THE DULUTH AREA THAT WILL BE COMPLETED IN 2025-2026. IN 2024, ONE ROOF HELPED 33 HOUSEHOLDS PURCHASE A HOME, WHICH INCLUDED ACQUISITION/REHAB HOMES AND RESALE HOMES.
- MULTIFAMILY HOUSING DEVELOPMENT SERVICES: ONE ROOF DEVELOPS AFFORDABLE RENTAL HOUSING OPPORTUNITIES FOR LOWER INCOME HOUSEHOLDS IN OUR COMMUNITY AND TO HELP INDIVIDUALS EXPERIENCING HOMELESSNESS. MULTI-FAMILY PROJECTS INCLUDE DECKER DWELLINGS, A 42-UNIT APARTMENT BUILDING LOCATED IN DULUTH HEIGHTS. BREWERY CREEK APARTMENTS OPENED IN FALL OF 2024, BRINGING 52 AFFORDABLE HOUSING UNITS TO DULUTH'S CENTRAL HILLSIDE NEIGHBORHOOD. OF THE 52 UNITS ABOUT HALF ARE DESIGNATED FOR YOUNG ADULTS WHO HAVE EXPERIENCED HOMELESSNESS. PLOVER PLACE, A NEW MODEL FOR HOUSING, OPENED IN LATE 2024 AND PROVIDES 24 UNITS OF AFFORDABLE HOUSING TO UNHOUSED SINGLE PEOPLE. BIRCHWOOD APARTMENTS, LOCATED IN GRAND MARAIS WITH 24 UNITS, WAS ACQUIRED IN 2024 AND REMODELING WORK BEGAN IN 2024 AND WILL BE FINISHED IN 2025. BRAE VIEW SENIOR APARTMENTS WAS AWARDED FINAL FUNDING NEEDED IN 2023 AND CONSTRUCTION WILL START IN THE FALL OF 2025. THE PROJECT WILL PROVIDE 72 UNITS OF AFFORDABLE RENTAL HOUSING, INCLUDING COMMUNITY SPACE FOR CHILDCARE AND OFFICE SPACE DESIGNATED FOR SERVICE PROVIDERS.
- $326,460 spent. HOMEBUYER EDUCATION: HOME STRETCH CLASSES AND PRE/POST PURCHASE COUNSELING AND EDUCATION TO ENSURE THAT LOWER INCOME HOMEOWNERS ARE PREPARED TO BE SUCCESSFUL IN THEIR HOMEOWNERSHIP ENDEAVORS. HOME STRETCH CLASSES ARE OFFERED 12 TIMES PER YEAR. IN 2024, 263 HOUSEHOLDS COMPLETED THE HOME STRETCH CLASS, AND 178 NEW HOUSEHOLDS UTILIZED HOMEBUYER COUNSELING SERVICES.
- $232,195 spent. TENANT-LANDLORD CONNECTION (TLC) PROGRAM: THIS LINE OF BUSINESS PROVIDES EDUCATION, INFORMATION, AND PROBLEM-SOLVING ASSISTANCE AS A WAY TO IMPROVE TENANT-LANDLORD RELATIONS AND REDUCE THE NUMBER OF HOUSING EVICTIONS IN OUR COMMUNITY. THE MISSION OF THE TLC IS TO ENSURE THAT STABLE RENTAL HOUSING EXISTS BY EDUCATING EXISTING AND POTENTIAL LANDLORDS AND TENANTS REGARDING THEIR RESPECTIVE RIGHTS AND RESPONSIBILITIES AND BY MEDIATING DISPUTES BETWEEN LANDLORDS AND TENANTS. IN 2024, THE TLC SERVED OVER 700 TENANTS AND LANDLORDS AND PREVENTED 34 EVICTIONS.
- FAMILY HOMELESS PREVENTION AND ASSISTANCE PROGRAM (FHPAP): IN 2024, ONE ROOF BEGAN PARTNERING WITH ST. LOUIS COUNTY IN ADMINISTERING MN HOUSING'S FHPAP PROGRAM. THE FHPAP PROGRAM PROVIDES SUPPORTIVE SERVICES AND FINANCIAL ASSISTANCE, SUCH AS RENT DEPOSITS, RENT PAYMENTS, MORTGAGE PAYMENTS, OR UTILITY PAYMENTS TO ELIGIBLE HOUSEHOLDS THAT ARE HOMELESS OR AT IMMINENT RISK OF BECOMING HOMELESS. IN 2024, ONE ROOF PROVIDED A TOTAL OF $127,398 IN FHPAP ASSISTANCE ACROSS 66 HOUSEHOLDS.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since April 1991.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
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