Everything You Should Know Before Moving to Ham Lake, MN
Considering a move to Ham Lake, MN? With a population of about 16,700, Ham Lake offers spacious living, excellent public schools, and a strong sense of community. The median home price is $390,000 and average rents for a two-bedroom are around $1,650, making it appealing for families. Crime rates are low (62 violent crimes per 100K), and residents enjoy short commutes (30 minutes on average), lots of sunny days, and great access to healthcare and outdoor recreation. Discover more about Ham Lake’s cost of living, schools, and lifestyle below.
Demographics - Ham Lake, MN
Demographics - Ham Lake, MN
Ham Lake is home to about 16,700 residents, primarily White (93%), with a median age of 41.5, offering a balanced gender ratio. The population density is low at 350 people per square mile, contributing to a spacious, suburban feel. A small percentage of households speak languages other than English, making the city welcoming yet close-knit.
Population:
16,700
Density:
350 per sq mi
Median Age:
41.5
Gender Ratio:
102 males per 100 females
Non-English Speakers Percentage:
4.5%
Ethnic Composition
White:
93.1%
Black:
1.2%
Asian:
2.0%
Others:
3.7%
Cost Of Living
What is the average cost of living in Ham Lake, MN?
The cost of living in Ham Lake is slightly above the national average, with a median home value of $390,000 and rents around $1,650 for a two-bedroom. Utilities and transportation costs are moderate, while state income taxes range from 5.35% to 9.85%. Overall, Ham Lake offers an affordable lifestyle compared to nearby metro areas, especially for homeowners.
Median House Value:
$390,000
Gross Rent:
$1,650
Monthly Electricity Charges:
$120
Auto Insurance:
$1,420
House Owner Cost With Mortgage:
$2,050
House Owner Cost Without Mortgage:
$680
State Taxes:
Low:
5.35%
|
High:
9.85%
Cost Of Living Index:
107.5
Grocery:
103.1
Housing:
109.8
Utilities:
104.5
Transportation:
111.0
Health Care:
105.8
Miscellaneous:
101.2
Crime
Is Ham Lake, MN a safe place to live?
Ham Lake boasts low crime rates, with just 62 violent crimes and 1,040 property crimes per 100,000 residents. The chance of experiencing a violent crime is 1 in 1,613, making it a safe choice for families and individuals alike. Community-oriented policing contributes to its reputation as a secure suburb.
Violent Crimes Per 100k:
62
Property Crimes Per 100k:
1,040
Crime Index:
1,102
Chance Of Violent Crime:
1 in 1,613
Chance Of Property Crime:
1 in 96
Weather
What is the weather like in Ham Lake, MN year-round?
Residents enjoy distinct seasons, with warm summers averaging highs of 82°F and cold winters dipping to 6°F. The area sees about 31 inches of rainfall annually and enjoys sunshine 58% of the year. Weather in Ham Lake supports a range of outdoor activities year-round.
Winter
Min:
6°F
Max:
27°F
Spring
Min:
34°F
Max:
62°F
Summer
Min:
58°F
Max:
82°F
Fall
Min:
38°F
Max:
62°F
Average Rainfall Inches:
31.2 inches
Sunny Days Percentage:
58%
Neighbors
Households in Ham Lake are generally prosperous, with a median income of $120,800 and a low poverty rate of 3.2%. The area has high educational attainment, with over 97% holding at least a high school diploma. Most residents commute about 30 minutes to work, and unemployment is notably low.
Median Income:
$53,000
Household Income:
$120,800
Family Income:
$128,500
Per Capita Income:
$46,200
Income Male:
$62,000
Income Female:
$48,500
Poverty Rate:
3.2%
Non English Speakers:
7.5%
Rent:
$1,650
Unemployment Rate:
2.8%
Public Transport Usage:
0.5%
Commute Time:
30.2 minutes
Education
High School or Higher:
97.1%
Bachelors or More:
36.8%
Education
How are the schools in Ham Lake, MN?
Ham Lake offers quality education with highly rated public schools like McKinley Elementary and Blaine High School, as well as private options such as Legacy Christian Academy. Higher education is accessible, with Anoka-Ramsey Community College just 7 miles away and Bethel University within a 15-mile drive. The city's schools feature favorable student-to-teacher ratios and a strong commitment to academic achievement.
Public Schools
Name:
McKinley Elementary School
Street:
1740 Constance Blvd NE
Phone:
763-506-3400
Students:
650
Student Teacher Ratio:
16.3
Name:
Blaine High School
Street:
12555 University Ave NE
Phone:
763-506-6500
Students:
3,200
Student Teacher Ratio:
19.1
Private Schools
Name:
Legacy Christian Academy
Street:
3037 Bunker Lake Blvd NE
Phone:
763-427-4595
Students:
600
Colleges
Name:
Anoka-Ramsey Community College
City:
Coon Rapids
State:
MN
Distance:
7 miles
Students:
9,000
Name:
Bethel University
City:
Arden Hills
State:
MN
Distance:
15 miles
Students:
4,500
Healthcare
Ham Lake residents benefit from access to major hospitals like Mercy Hospital and Fairview Lakes Medical Center, both offering emergency services nearby. The city has a strong healthcare network, with 2.4 physicians per 1,000 people and nearly 96% of residents covered by health insurance. Healthcare quality and availability are both well-regarded in the community.
Major Hospitals
Name:
Mercy Hospital
Address:
4050 Coon Rapids Blvd NW, Coon Rapids, MN 55433
Phone:
(763) 236-6000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Fairview Lakes Medical Center
Address:
5200 Fairview Blvd, Wyoming, MN 55092
Phone:
(651) 982-7000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.4
Health Insurance Coverage:
95.6%
Health Care Index:
78.3
Housing Market
What is the housing market like in Ham Lake, MN?
The housing market in Ham Lake is stable, with a median home price of $390,000 and a high owner-occupancy rate of nearly 93%. Home values have appreciated by over 4% in the past year, while rental vacancy remains low. The area offers a range of housing options for both buyers and renters.
Median Home Price:
$390,000
Average Rent For 2 Bedroom:
$1,650
Owner Occupied Rate:
92.7%
Rental Vacancy Rate:
4.1%
Home Appreciation Rate (1yr):
4.2%
New Construction Rate:
2.4%
Foreclosure Rate:
0.2%
DMV Information
Driver and vehicle services for Ham Lake residents are provided by the Minnesota Department of Public Safety in St. Paul, with resources and forms accessible online. The department handles licensing, registration, and title services, and offers convenient support for new and current residents. Contact and location details are easily available for those relocating to the area.
State:
Minnesota
Department:
Minnesota Department of Public Safety – Driver and Vehicle Services
Address:
445 Minnesota St, St. Paul, MN 55101
Phone:
651-297-2126
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.