Housing in Action Inc

Nonprofit profile at a glance

EIN
411821520
IRS 990 coverage
2010–2025
Forms available
Form 990 2025, Form 990-T 2020
Location
Minneapolis, MN, USA
Phone
6127249002
Rating
76
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Housing Development, Construction, Management

Official website

Reported finances

Revenue
$5,718,193
Expenses
$5,638,936
Assets
$11,000,712
Liabilities
$7,612,088

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

9 people listed

Executive titles in this filing

  • CASSIE YOUNG (EXECUTIVE DIRECTOR)

Highest reported compensation

  • CASSIE YOUNG (EXECUTIVE DIRECTOR): $160,116 total reported compensation
  • ANNE KETZ (REAL ESTATE DIRECTOR): $120,077 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The mission of the organization is to lead the fight for housing justice so that all people have a safe, stable and dignified place to live. The vision of the organization is "housing justice for all".

What it reported doing in 2025

Community engagement programs: this program co-creates communities where trust among neighbors is high, connections are strong, and historically silenced voices are amplified and heard to transform their neighborhoods. The organization creates opportunities to amplify the gifts, skills, and leadership of our residents, collectively creating solutions in community. In 2025, housing in action held people-oriented development (pod) meetings for neighbors to gather, connect, and build. This crucial program also hosted two housing justice forums, one in the spring getting neighbors in front of their elected officials at the city, state, and federal levels, and one in the fall bringing mayoral candidates in front of neighbors, ready to answer questions about affordable housing. In 2025, the organization also expanded its homeownership pathways program by adding homestretch course offerings. Housing in action hosted 3 homestretch workshops that reached 14 families, and 15 people utilized one-on-one financial and homeownership coaching sessions, gaining tools and confidence for long-term financial wellness. These milestones highlight housing in action's commitment to both immediate housing stability and long-term homeownership success, empowering families and strengthening communities.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and most voting board members are independent. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and fundraising costs are high for each dollar raised.

Rating breakdown

  • Financial Efficiency: 82
  • Transparency & Controls: 65
  • Accountability: 100
  • Sustainability: 39
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 94.8%; rating input score 95
  • Program expense ratio: 80.4%; rating input score 80
  • Fundraising efficiency: $7.45 raised per $1 spent on fundraising; rating input score 26; 26th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 1.4%; rating input score 31; 31st percentile among comparable filings
  • Total-asset coverage ratio: 1.95; rating input score 57; 57th percentile among comparable filings
  • Liabilities to assets ratio: 0.69; rating input score 10; 10th percentile among comparable filings
  • Officer compensation ratio: 5%; rating input score 57; 57th percentile among comparable filings

Growth

  • Program expense growth: -0.1% per year; rating input score 0; 12th percentile among comparable filings
  • Revenue growth: 0.4% per year; rating input score 100; 9th percentile among comparable filings
  • Asset growth: -0.3% per year; rating input score 0; 10th percentile among comparable filings

Details

  • Where the money goes: 94.8% of revenue deployed · 80.4% of spending went to programs
  • Governance: 7 of 7 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $4.5M in reported program spending
  • Leadership: top reported pay $160K · 9 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 34 of 34 current checks pass
  • Schedules: 9 filed schedules · includes major donors and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Related organizations: 5 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • High — Financial Efficiency: Fundraising efficiency scored 26/100.
  • High — Growth: Program expense growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 31/100.
  • High — Growth: Asset growth scored 0/100.
  • Review — Sustainability: Total-asset coverage ratio scored 57/100.
  • High — Sustainability: Liabilities to assets ratio scored 10/100.
  • Review — Sustainability: Officer compensation ratio scored 57/100.