Local
Learn about the people, housing, costs and businesses in Ham Lake, Minnesota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Ham Lake.
True all-in cost — P&I, taxes, insurance & utilities for homes in Ham Lake.
Find and compare lenders active near Ham Lake.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Ham Lake.
Seismic risk and earthquake insurance estimates for Ham Lake.
Wildfire exposure and insurance estimates for Ham Lake.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Ham Lake is approximately 6.855% (6.890% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Ham LakeThe median home value in Ham Lake is $421k. The median monthly rent is $1,366. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Ham Lake have increased 3.3% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,607/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $69k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Ham Lake is $122k/year.
Calculate your buying powerThe largest employment sectors in Ham Lake are public administration (17%) and retail (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.