What is the population of Ham Lake city?

Ham Lake city has 16,575 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #68 of 914 in Minnesota.

What is the median household income in Ham Lake city?

Median household income in Ham Lake city is $116,845 a year, 48.8% above the national figure of $78,538.

How much does it cost to rent or buy in Ham Lake city?

Median gross rent is $1,319 a month and the median home value is $430,100, so rent absorbs about 13.5% of median household income.

Is Ham Lake city affordable compared with the rest of the US?

Homes cost about 3.7× the local median income here versus roughly 3.9× nationally, so Ham Lake city is more affordable to buy in than the typical US market, and rent takes 13.5% of median income against the 30% cost-burden line.

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Minnesota · Census place 26738

Ham Lake, MN population, income and ZIP codes

Quick answer

The population of the city of Ham Lake, Minnesota (Ham Lake, MN — Census place “Ham Lake city”) is 16,575 residents, ranking #68 of 914 places in Minnesota. Median household income is $116,845, the median home is worth $430,100 and median gross rent runs $1,319 a month. Looking for the Ham Lake Minnesota ZIP code list? 1 ZIP codes serve Ham Lake, MN: 55304.

Population: 16,575Ham Lake city residents
Median household income: $116,845Past 12 months, inflation adjusted
Median home value: $430,100Owner-occupied units
Median gross rent: $1,319Rent plus utilities, monthly
Median age: 42.8 yrsAll residents
Homeownership rate: 95.2%Owner-occupied households

Ham Lake ZIP codes (Minnesota)

Census ZCTAs whose delivery area overlaps Ham Lake.

The Ham Lake MN ZIP code list below covers 1 ZIP code. Open any one for its population, income, housing and rent profile.

55304

What the numbers mean in Ham Lake city

Housing cost measured against local earnings.

A household earning the Ham Lake city median would spend about 13.5% of gross income on the median rent. The 30% mark is the federal threshold for cost burden, so anything above it signals a stretched rental market. The median home costs 3.7× the median household income; nationally that ratio sits near 4.5×. Poverty affects 4.1% of residents and 95.2% of households own their home.

Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year

Ham Lake city, MN in context

How this area compares with national benchmarks.

Ham Lake city is a mid-size town in Minnesota, with 16,575 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #68 of 914 ranked by population — larger than 92% of them. The median age here is 42.8 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Ham Lake city earn a median of $116,845 a year, 48.8% above the national figure of $78,538 and 55% above the $75,469 median for the 361 Minnesota cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 4.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Ham Lake city is valued at $430,100, 41.8% above the national figure and 79% above the $240,400 peer median, while median gross rent runs $1,319 a month, 6.2% below the national figure, or roughly $15,828 across a full year. A household on the local median income would put about 13.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 95.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

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Frequently asked questions

Common questions about this area.

What is the population of Ham Lake city?: Ham Lake city has 16,575 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #68 of 914 in Minnesota.
What is the median household income in Ham Lake city?: Median household income in Ham Lake city is $116,845 a year, 48.8% above the national figure of $78,538.
How much does it cost to rent or buy in Ham Lake city?: Median gross rent is $1,319 a month and the median home value is $430,100, so rent absorbs about 13.5% of median household income.
Is Ham Lake city affordable compared with the rest of the US?: Homes cost about 3.7× the local median income here versus roughly 3.9× nationally, so Ham Lake city is more affordable to buy in than the typical US market, and rent takes 13.5% of median income against the 30% cost-burden line.
How current is this Ham Lake city data?: All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.