How much do homeowners pay a month in Ham Lake, MN?
Homeowners with a mortgage in Ham Lake, MN pay a median of $2,312 (±$106) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $726 (±$27).
65.2% of owned homes carry a mortgage.
In Ham Lake, the median monthly cost with a mortgage went from $1,867 in 2015–2019 to $2,312 in 2020–2024 (+23.8%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $2,312 (±$106)
- Without a mortgage
- $726 (±$27)
- Owned with a mortgage
- 65.2%
Monthly owner costs in Ham Lake
| Ham Lake | Anoka County | Minnesota | United States | |
|---|---|---|---|---|
| With a mortgage | $2,312 (±$106) | $1,949 (±$19) | $1,947 (±$7) | $1,963 |
| Without a mortgage | $726 (±$27) | $686 (±$11) | $698 (±$3) | $638 |
| Owned homes with a mortgage | 65.2% (±4.9 points) | 69.2% (±0.9 points) | 64.0% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $3,583 (±$178) | $3,271 (±$34) | $3,357 (±$10) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Ham Lake, the median cost with a mortgage is higher than in Anoka County ($1,949).
It is also higher than in Minnesota ($1,947).
It is higher than the national figure ($1,963).
In Anoka County, Ham Lake ranks 3 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 212 of 2,496.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Ham Lake have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,867 (±$81) | $2,312 (±$106) | +23.8% | No measurable change after inflation |
| Median real estate taxes | $2,996 (±$106) | $3,583 (±$178) | +19.6% | No measurable change after inflation |
| Median home value | $306,700 (±$8,646) | $442,500 (±$12,251) | +44.3% | Up after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Ham Lake
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Ham Lake | — | $2,312 (±$106) | — |
| Columbus | 4.2 mi | $2,424 (±$252) | Not measurably different |
| Blaine | 5.8 mi | $2,008 (±$64) | Lower |
| Andover | 6.9 mi | $2,231 (±$51) | Not measurably different |
| East Bethel | 6.9 mi | $1,976 (±$133) | Lower |
| Coon Rapids | 7.8 mi | $1,758 (±$44) | Lower |
| Circle Pines | 8.0 mi | $2,054 (±$136) | Lower |
| Lino Lakes | 8.0 mi | $2,168 (±$114) | Not measurably different |
| Lexington | 8.1 mi | $1,864 (±$98) | Lower |
Nearby places with a measurably lower figure: Blaine, MN ($2,008), East Bethel, MN ($1,976), Coon Rapids, MN ($1,758).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Anoka County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 1 | Nowthen | $2,595 (±$390) |
| 2 | Columbus | $2,424 (±$252) |
| 3 | Ham Lake | $2,312 (±$106) |
| 4 | Andover | $2,231 (±$51) |
| 5 | Oak Grove | $2,213 (±$131) |
| 6 | Centerville | $2,171 (±$114) |
| 7 | Lino Lakes | $2,168 (±$114) |
| 8 | Circle Pines | $2,054 (±$136) |
| 9 | Linwood Township | $2,019 (±$204) |
Showing 9 of 21 places in Anoka County, ranked from highest to lowest.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Ham Lake
What is the average mortgage payment in Ham Lake?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Ham Lake, MN is $2,312 (±$106) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Ham Lake?
Owners without a mortgage in Ham Lake pay a median of $726 (±$27) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Ham Lake gone up?
In Ham Lake, the median monthly cost with a mortgage went from $1,867 in 2015–2019 to $2,312 in 2020–2024 (+23.8%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Ham Lake city, Minnesota
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Ham Lake city, Minnesota
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Ham Lake city, Minnesota
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Ham Lake city, Minnesota
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Ham Lake city, Minnesota
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Ham Lake city, Minnesota (place:26738, in state:27).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Ham Lake at a glance
- Median rent in Ham Lake
- Rent by bedrooms in Ham Lake
- Renters and owners in Ham Lake
- Income and affordability in Ham Lake
- Home values in Ham Lake
- Property taxes in Ham Lake
- Types of homes in Ham Lake
- Bedrooms in Ham Lake
- Age of homes in Ham Lake
- Heating fuel in Ham Lake
- Commute and cars in Ham Lake
- Population growth in Ham Lake
- How long people stay in Ham Lake
- Crowding and facilities in Ham Lake
- Minnesota landlord and tenant rules
- Housing across Anoka County
- Housing data for every place in Minnesota