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Ham Lake, MN
Full City Profile · Minnesota · Anoka County County
3.6
/5.0
B+
Good
16,575
Population
482/sq mi density
$116,845
Median Income
$54,840 per capita
$430,100
Home Value
$491,079 Zillow
$1,319
Median Rent
34.4% income on rent
44°F
Avg Temperature
276 sunny days/yr
72
Violent Crime/100K
3,007 property/100K
B+
Overall
3.6 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
5.0 / 5.0
$116,845 median income, 1.7% unemployment
A+
Affordability
4.6 / 5.0
$430,100 home value, $1,319/mo rent
F
Safety
1.0 / 5.0
72 violent crimes/100K
B+
Education
3.9 / 5.0
35.9% bachelor's degree or higher
Housing Overview
Median Home Value
$430,100
53% above
US avg: $281,900
Median Rent
$1,319/mo
13% above
US avg: $1,163/mo
Homeownership Rate
95.2%
46% above US avg (65.4%)
Total Housing Units
5,975
Median year built: 1994
Home Value by Source
Census Median
$430,100
Zillow (ZHVI)
$491,079
Median Sale Price
$641,000
Median List Price
$562,450
Census ACS, Zillow ZHVI, Redfin median sale price
Ownership vs. Renting
95.2%
Owner-Occupied
4.8%
Renter-Occupied
US avg: 65.4% owner-occupied
Fair Market Rents (HUD FY2026)
Studio
$809/mo
1 Bedroom
$899/mo
2 Bedroom
$1,125/mo
3 Bedroom
$1,483/mo
4 Bedroom
$1,698/mo
Census median rent:
$1,319/mo
Market Indicators (Redfin)
Median Days on Market
23 days
Sale-to-List Ratio
1.0%
Buyers market
Homes Sold
10
Price Drops
10.5%
of listings with price reduction
Price Per Sq Ft
$217
Active Inventory
38
homes for sale
Affordability & Housing Stock
Rent Burden
34.4%
of renters spending 30%+ of income on housing
11% above US avg (31.0%)
Median Year Built
1994
Average age of housing stock: 32 years
Homeownership Rate
95.2%
Complete Housing Data
Home Values
| Census Median Value | $430,100 |
| Zillow Home Value (ZHVI) | $491,079 |
| Median Sale Price | $641,000 |
| Median List Price | $562,450 |
| Price Per Sq Ft | $217 |
Rent
| Census Median Rent | $1,319 |
| FMR Studio | $809 |
| FMR 1-Bedroom | $899 |
| FMR 2-Bedroom | $1,125 |
| FMR 3-Bedroom | $1,483 |
| FMR 4-Bedroom | $1,698 |
Market
| Days on Market | 23 |
| Sale-to-List Ratio | 1.0% |
| Price Drops | 10.5% |
| Homes Sold | 10 |
| Active Inventory | 38 |
| Price Per Sq Ft | $217 |
Ownership & Stock
| Owner-Occupied | 95.2% |
| Renter-Occupied | 4.8% |
| Homeownership Rate | 95.2% |
| Total Housing Units | 5,975 |
| Median Year Built | 1994 |
| Rent Burden | 34.4% |