The Hartford in Downtown Dallas: 121 Income-Restricted Apartments Planned at 400 N. St. Paul Street, Rents Proposed From $1,029

Published October 22, 202617 min readBy VoucherMatch Editorial Team

Quick answerAs of October 7, 2026, The Hartford at 400 N. St. Paul Street in downtown Dallas is still an office building, and no apartment there can be applied for. On September 9, 2026 the City Council authorized the Dallas Housing Finance Corporation to acquire it for conversion into 217 apartments: 22 for households at or under 60% of the area median income, 99 at or under 80% and 96 at or under 140%. The City's file proposes rents from $1,029 for a studio at 60%. Every proposed rent is below DHA's voucher payment standard for the ZIP code. No opening date is published.

Last checked: October 7, 2026, against Dallas City Council file 26-2600A with its resolution 26-1382, the City's August 24, 2026 memo, the state's accessibility registration, the architect's project page, the owner's property page, the Dallas Morning News, DHA's 2026 payment standards, HUD's Small Area Fair Market Rents and Texas Local Government Code chapter 394. No leasing office exists yet; the developer will set what is offered.

The Hartford in numbers

217apartments planned in a 14-story building from 1959
121apartments for households at or under 80% of area median income, 22 of them at 60%
96apartments capped at 140% of area median income
$1,029, $1,093, $1,271proposed rents at 60% for a studio, one bedroom and two bedrooms
$2,223DHA's 2026 payment standard for a one-bedroom in ZIP code 75201
Not publisheda construction start, an opening date, an application

Rendering at dusk of the lower floors of a red brick building with arched brickwork, black awnings, a stone entrance lit by lamps, people on the sidewalk and cars passing — Rendering of the street front planned for The Hartford, 400 N. St. Paul Street in downtown Dallas. Courtesy of Lotus Hospitality Group, as published by the Dallas Morning News in June 2025. Photo: Lotus Hospitality Group (owner rendering), developer rendering, via dallasnews.com (cropped).

What The Hartford Is and Who Is Converting It

The Hartford is a 1959 brick office tower at 400 N. St. Paul Street that its owners plan to convert into 217 apartments, with the Dallas Housing Finance Corporation as owner of the land and building.

The building: 14 stories and about 175,000 square feet, built by the developer Trammell Crow for Hartford Fire Insurance Group, according to the Dallas Morning News.
Applicant in the City's file: Hartford Living LLC, with Bluelofts, Inc. as co-developer. The file says Bluelofts was founded in 2018 to convert empty office buildings into housing.
Owners named in the press: Lotus Holdings and O'Reilly Hospitality, two Missouri hospitality groups that bought the building in 2021. The state registration lists Hartford Living, LLC at a Missouri address.
Public owner: the Dallas Housing Finance Corporation, a City-created body. Its ownership makes the building eligible for a property-tax exemption, and the income limits are the condition.
Architect: Berardi + Partners of Columbus, Ohio.
Layout: apartments on floors two through 13 and residents' amenity space on the 14th, in the state registration.

400 N. St. Paul Street, from office tower to approved conversion

1959the building is completed for Hartford Fire Insurance Group, according to the Dallas Morning News; the owner's page gives 1958.
2021Lotus Holdings and O'Reilly Hospitality buy it, at first for a hotel project.
November 12, 2024the Dallas Housing Finance Corporation's board authorizes a memorandum of understanding with the applicant.
June 9, 2025the conversion is registered with the state: start September 1, 2025, completion January 1, 2027, estimated cost $41,137,212.
September 9, 2026the City Council authorizes the corporation to acquire and own the building (resolution 26-1382).
No date publishedthe start of construction or of leasing.

What it means: the schedule in the state registration predates the Council's approval by 15 months, and its start date passed before the City had authorized the purchase. Treat January 2027 as out of date until a new schedule is published.

Source: Dallas City Council file 26-2600A; state registration TABS2025020834; Dallas Morning News, June 10, 2025.

Watch outthe building is still marketed as offices. On October 7, 2026 the owner's property page read "Lease Now" and listed the building type as "Office". The City's September file says "The Project is currently not a residential development."

Four renderings in a grid: a tall red brick tower among glass office buildings, a street view of the brick building with a vertical sign reading The Hartford, a covered rooftop deck with seating, and a small grocery store interior — Four renderings from the architect's project page: the tower downtown, the street front, the rooftop deck and the first-floor grocery. Berardi + Partners. Photo: Berardi + Partners, architect rendering, via berardipartners.com (four images combined in a grid).

Where 400 N. St. Paul Street Is

The building is in the downtown central business district, a block from DART's St. Paul station, in ZIP code 75201 and City Council District 14.

What	For 400 N. St. Paul Street
Area	Downtown Dallas
ZIP code	75201
City Council district	14
Census tract	21, with a poverty rate of 9.6% in the City's memo
Nearest rail	St. Paul station, "approximately 472 feet" in the City's file
Within walking distance, per the City's file	Pacific Plaza, Klyde Warren Park, the Arts District and Main Street Garden Park

What it means: DHA sets voucher amounts by ZIP code, and 75201 has the highest payment standards of the ZIP codes in this Dallas series.

Source: Dallas City Council file 26-2600A and the August 24, 2026 memo; U.S. Census geocoder for the tract; the City's council district map.

How Many Apartments Are Income-Restricted, and at What Levels

Every apartment has an income cap: 22 at 60% of the area median income, 99 at 80% and 96 at 140%.

Apartments at The Hartford by size and income level in the City's September 2026 file, number of apartments

At 60%At 80%At 140%

Studio

1 bedroom

2 bedrooms

View the data table

Size	At 60%	At 80%	At 140%
Studio	1	4	4
1 bedroom	16	72	69
2 bedrooms	5	23	23

What it means: 157 of the 217 apartments are one-bedrooms, and there is no three-bedroom. The 121 apartments at 60% and 80% are 56% of the building.

Source: unit table in Dallas City Council file 26-2600A, September 9, 2026.

What the City counts as affordable: the file commits to "at least 10.00%" of apartments at 60% and 49% at 80%. The August memo said 40% at 80%; the table in both documents shows 99, which is 46%.
The 140% tier: one person could earn about $118,720 at that level in 2026. That figure is VoucherMatch's arithmetic from the state's 50% limit; the file prints no table.
How long the limits last: not stated. The file says the corporation "can sell, refinance, or deepen affordability any time after year 10".

What the Apartments Are Proposed to Rent For

No rent has been advertised. The City's file lists "suggested" rents from $1,029 for a studio at 60% to $1,799 for a two-bedroom at 80%.

The Hartford: proposed monthly rent by income level
Size	At 60%	At 80%	At 140%
Studio	$1,029	$1,440	$1,600
1 bedroom	$1,093	$1,533	$1,850
2 bedrooms	$1,271	$1,799	$2,600

What it means: an 80% apartment is proposed at $160 to $801 under the 140% apartment of the same size, and a 60% apartment at $571 to $1,329 under it.

Source: Dallas City Council file 26-2600A, September 9, 2026; the August 24 memo has the same figures.

The rule in the file: "the unit mix and rental rates will be the lesser of the Texas Department of Housing and Community Affairs (TDHCA) published income-restricted rents or market rents."
Proposed, not offered: the file does not say whether the rents include utilities.
Sizes: the Dallas Morning News reported in 2025, citing the owner, that apartments "may range from 500 to 800 or 900 square feet".

State maximum monthly rent, 2026, utilities included
Level	Studio	1 bed	2 beds
60%	$1,272	$1,362	$1,635
80%	$1,696	$1,817	$2,180

What it means: every proposed rent is under its cap, by $243 to $364 at 60% and by $256 to $381 at 80%. The limits change each year, and the building would open under later ones.

Source: TDHCA Income and Rent Tool for Dallas County, run October 6, 2026, effective May 1, 2026.

Key pointstate law counts required fees as rent in a housing finance corporation building. Its definition of rent is "any recurring fee or charge a tenant is required to pay as a condition of occupancy", and it leaves out optional charges "such as pet fees and fees for storage or covered parking".

Detail of a rendering showing a stone entrance with lamps on either side, an American flag, people walking in and a car at the curb — Detail of the owner's rendering: the entrance on the street front. Courtesy of Lotus Hospitality Group, as published by the Dallas Morning News. Photo: Lotus Hospitality Group (owner rendering), developer rendering, via dallasnews.com (cropped to a detail).

Who Qualifies: 2026 Income Limits

Your household's gross yearly income would have to be at or under the limit for the apartment's level and your household size.

Maximum household income, 2026
Household	60%	80%
1 person	$50,880	$67,840
2 people	$58,140	$77,520
3 people	$65,400	$87,200
4 people	$72,660	$96,880

What it means: one person earning $60,000 is over the 60% limit and under the 80% limit, so the 80% apartments, 99 of them, are the ones to ask about.

Source: TDHCA Income and Rent Tool, Dallas County, effective May 1, 2026.

The City's file: it describes incomes for these apartments as ranging "from approximately $50,880.00 to $95,940.00 in the city based on family size".
Same finishes: state law requires income-restricted apartments in a housing finance corporation building to "have the same unit finishes and equipment and access to community amenities" as the others.
A floor is not published: no minimum income, credit standard or document list exists yet.

Will The Hartford Take Section 8 Vouchers?

State law ties a housing finance corporation building's tax exemption to not turning renters away for holding a voucher; it does not say the voucher will cover the rent.

The rule: Texas Local Government Code section 394.9026, added in 2025, makes the exemption available only if the owner and the building "do not: (A) refuse to rent a residential unit in the development to an individual or family because the individual or family participates in the housing choice voucher program".
The income test: the same section bars a standard that requires a voucher household "to have a monthly income of more than 250 percent of the individual's or family's share of the total monthly rent payable for a unit".
Outreach and disclosure: the owner must market open apartments to voucher households and publish the building's voucher policy on its website.
If the building takes housing tax credits: that section does not apply, and Government Code section 2306.269(b) bars a tax-credit building from refusing voucher holders. The City's file lists a "LIHTC Purchaser Contribution" of $661,193 without explaining it.
Not published: anything from the developer about vouchers.

Proposed rents at The Hartford against DHA's 2026 payment standard for ZIP code 75201, dollars a month

Proposed rent at 60%Proposed rent at 80%DHA payment standard

Studio

$1,029

$1,440

$2,142

1 bedroom

$1,093

$1,533

$2,223

2 bedrooms

$1,271

$1,799

$2,610

View the data table

Apartment	Proposed rent at 60%	Proposed rent at 80%	DHA payment standard
Studio	$1,029	$1,440	$2,142
1 bedroom	$1,093	$1,533	$2,223
2 bedrooms	$1,271	$1,799	$2,610

What it means: the 80% rents are $690 to $811 under DHA's standard and the 60% rents more than $1,100 under. Even the 140% rents, $1,600, $1,850 and $2,600, are under it, the two-bedroom by $10.

Source: Dallas City Council file 26-2600A; DHA's Housing Choice Voucher payment standards effective January 1, 2026. The standard includes utilities; the file does not say whether its rents do.

Your income still has a ceiling. A voucher does not lift the limit for the apartment's level.
The 2027 figures are not out. DHA's payment standards page still opened the 2026 schedule on October 7, 2026.

For how the standard becomes your share of the rent, see how much Section 8 pays in Dallas and how the utility allowance works. DHA's contact details are on the DHA page; the wider rules are in the Dallas Section 8 guide.

How the Proposed Rents Compare With Typical Rents in ZIP Code 75201

Every proposed rent, at every level, is below what HUD estimates an ordinary apartment costs in ZIP code 75201.

Proposed rents at The Hartford against HUD's fiscal year 2027 fair market rent for ZIP code 75201, dollars a month

Proposed rent at 60%Proposed rent at 80%HUD fair market rent

Studio

$1,029

$1,440

$2,240

1 bedroom

$1,093

$1,533

$2,300

2 bedrooms

$1,271

$1,799

$2,710

View the data table

Apartment	Proposed rent at 60%	Proposed rent at 80%	HUD fair market rent
Studio	$1,029	$1,440	$2,240
1 bedroom	$1,093	$1,533	$2,300
2 bedrooms	$1,271	$1,799	$2,710

What it means: the 80% rents are $767 to $911 under HUD's figure. At Trinity West and Thirty21, also approved in 2026, the 80% rents run above their ZIP code's figure; downtown is the reverse.

Source: Dallas City Council file 26-2600A; HUD Small Area Fair Market Rents for fiscal year 2027, in effect since October 1, 2026, HUD's estimate of the 40th-percentile rent in the ZIP code, utilities included.

The 140% tier: $640, $450 and $110 under HUD's figure for a studio, one bedroom and two bedrooms.
Rent data: Section 8 rent limits for 75201, voucher apartments in 75201 and the 2026 limits for Texas counties.

Set-Asides, Planned Features and Transit

The file reserves apartments by income only; it names no group with a preference.

Who has apartments reserved

22 apartmentsfor households at or under 60% of area median income.
99 apartmentsat or under 80%.
96 apartmentsat or under 140%.
Not foundany preference for downtown workers, veterans or other groups.

Planned and not posted

On the architect's page"a first-floor grocery store, rooftop deck, and fitness center".
In the state registrationapartments on floors two through 13, with the 14th floor "transformed into the residential amenity space".
Preservationthe owner told the Dallas Morning News the plan is to preserve the mid-century structure and to seek federal and state historic tax credits.
Not postedfloor plans, parking, pet rules, fees and which utilities the tenant pays.

Source: the architect's project page; state registration TABS2025020834; Dallas Morning News, June 10, 2025.

Four DART rail lines stop at St. Paul station beside the building, and 22 bus routes stop within a quarter mile.

Stop or station	Service	Straight-line distance
St. Paul station	DART Blue, Green, Orange and Red lines	about 200 feet
St. Paul at Bryan	Bus routes 207 and 308	about 100 feet
Akard station	DART Blue, Green, Orange and Red lines	about 0.2 miles
Pearl/Arts District station	DART Blue, Green, Orange and Red lines	about 0.3 miles
EBJ Union Station	Blue and Red lines, Trinity Railway Express	about 0.8 miles

What it means: by either measure the station is on the next block.

Source: DART's schedule data of October 4, 2026; straight-line distances calculated by VoucherMatch from the address as placed by Esri's geocoder. The City's file gives "approximately 472 feet" to St. Paul station and "approximately half a mile" to Pearl/Arts District.

How to Apply at The Hartford

There is nothing to apply to yet: the building has no apartments, and no leasing site, phone number or waiting list has been published.

What to do before an application opens

1Find your levelcompare your household's gross income with the 2026 table above.
2Ask the public ownerthe Dallas Housing Finance Corporation has a contact page. Ask whether the purchase has closed, when construction starts and whether an interest list exists.
3Watch for a leasing sitestate law requires the building's website to publish its voucher policy once there is one.
4Ask by level and sizehow many apartments at your level are in each size, the rent of each and which fees are required.
5If you have a vouchersay so at the start. State law ties the building's tax exemption to not refusing voucher holders.
6Keep another search goingno opening date exists.

What to have ready when leasing opens

Photo ID. for every adult
Proof of income. recent pay stubs, benefit letters and your latest tax return
Household list. everyone who will live in the apartment, since the limit depends on household size
Your numbers. the income limit for your household and the proposed rents in this article
Voucher. your voucher and DHA's forms, if you have one

What it means: the developer has not published the documents it will require, so ask for its list when an application opens.

Source: VoucherMatch's list.

What Is Known and What Is Not Yet Published

City records settle the count, the income levels and the public owner; no construction start or leasing date is on record.

Known and not yet known, as of October 7, 2026

Known217 apartments planned; 22 at 60%, 99 at 80% and 96 at 140% of area median income; the rents the City's file proposes.
Not publishedwhether the purchase has closed, when construction starts and when leasing opens.
Sources disagreethe height, 14 stories in the City's file and the press against "15 story" in the state registration.
Sources disagreethe cost, $94,480,294 in the file's sources and $94,460,294 in its uses, against $41,137,212 in the state registration and "$60 million to $70 million" in the press in 2025.
Sources disagreewho the developer is, Hartford Living LLC and Bluelofts in the City's file against Lotus Holdings and O'Reilly Hospitality in the press.

If You Need an Apartment Sooner

The Hartford has no opening date, so a household that needs to move should search elsewhere now.

Voucher in hand: browse Section 8 apartments in Dallas, or by size: one-bedrooms and two-bedrooms.
Nearby: Downtown Dallas.
Lower rents, where you apply directly: see low-income apartments in Dallas.
No voucher yet: check which Section 8 waiting lists are open.

Frequently Asked Questions

Is The Hartford open?

No. As of October 7, 2026 it is an office building at 400 North St. Paul Street, Dallas, TX 75201, approved for conversion into 217 apartments. No construction start or opening date is published.

How many affordable apartments will The Hartford have?

The City's file counts 22 apartments for households at or under 60% of the area median income and 99 at or under 80%. The other 96 are capped at 140%.

How much will rent be at The Hartford?

The City's September 2026 file proposes $1,029, $1,093 and $1,271 at the 60% level and $1,440, $1,533 and $1,799 at the 80% level for a studio, one bedroom and two bedrooms. No rent has been advertised.

How much can you earn and still qualify?

In 2026, one person can earn up to $50,880 for a 60% apartment and $67,840 for an 80% apartment. For two people the limits are $58,140 and $77,520.

Will The Hartford take Section 8?

State law ties a housing finance corporation building's tax exemption to not refusing voucher holders. DHA's 2026 payment standard for ZIP code 75201 is $2,223 for a one-bedroom, above every proposed one-bedroom rent.

How do I apply for The Hartford?

There is no application yet. Dallas has no citywide lottery; buildings take applications at their own leasing offices, and this one has not opened a leasing site or phone line.

What is the Hartford Building?

A 14-story brick office tower built in 1959 by the developer Trammell Crow for Hartford Fire Insurance Group, next to DART's St. Paul station downtown.

Sources for this article (10)

file 26-2600A (cityofdallas.legistar.com)
August 24, 2026 memo (cityofdallas.legistar.com)
accessibility registration (tdlr.texas.gov)
project page (berardipartners.com)
property page (lotusgroupinc.com)
Dallas Morning News (dallasnews.com)
2026 payment standards (dhantx.com)
Small Area Fair Market Rents (huduser.gov)
Texas Local Government Code chapter 394 (tcss.legis.texas.gov)
contact page (dallashfc.com)

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Every rule, date and dollar amount in this article is checked against the agency document it comes from, and the sources are listed above. How VoucherMatch articles are researched and corrected