Ham Lake, Minnesota
Ham Lake Real Estate
Homes for sale, local facts and advice for buying or selling in Ham Lake, Anoka County, from Huerkamp Home Group.
Key takeaways
What should you know about Ham Lake at a glance?
Ham Lake is a north metro city in Anoka County, home to 16,905 people. Here's what the public numbers say.
- Population: 16,905 (Census 2024 estimate; +2.6% since 2020)
- Median home value: $442,500, 28% higher than the Anoka County median (owner estimates, Census ACS)
- Median household income: $120,135, 18% higher than Anoka County
- Homeownership: 93.7% of households own their home (Minnesota: 72.2%)
- Getting around: about 41 minutes to downtown Minneapolis and 53 minutes to MSP Airport in light traffic
- Schools: Anoka-Hennepin Public School District covers about 88% of the city
Sources: US Census Bureau 2024 population estimates and 2020–2024 American Community Survey; drive times from OpenStreetMap routing.
For sale now
Where can I find Ham Lake homes for sale?
The newest Ham Lake listings, live from the NorthstarMLS. Open any home for photos, maps and saved-search alerts.
$1,176,226L4 B5 Alamo Street NE, Ham Lake, MN 55304MLS #7168270
Listing courtesy of eXp Realty
$769,000L6 B1 158th Lane NE, Ham Lake, MN 55304MLS #7168654Listing courtesy of eXp Realty
$374,9001307 Mckay Drive NE, Ham Lake, MN 55304MLS #7165133Listing courtesy of Keller Williams Integrity NW
$399,90015065 W Vermillion Circle NE, Ham Lake, MN 55304MLS #7161783Listing courtesy of Jernell Realty
$1,284,5704439 158th Lane NE, Ham Lake, MN 55304MLS #7163274Listing courtesy of Homes USA Realty, Inc.
$1,199,9002490 179th Avenue NE, Ham Lake, MN 55304MLS #7165577Listing courtesy of RE/MAX Advantage Plus
See all 114 Ham Lake homes for sale
- Under $200,000 16
- Under $250,000 26
- Under $300,000 40
- Under $350,000 43
- Under $400,000 50
- Under $450,000 52
- Under $500,000 55
- Under $600,000 59
- Under $700,000 65
- Under $800,000 69
- Under $1 million 81
- Under $1.5 million 99
- Under $2 million 109
- $1 million and up 33
- Single-family homes 52
- Townhomes 1
- Condos 12
- Land and lots 49
- 3+ bedrooms 61
- 4+ bedrooms 50
- 5+ bedrooms 30
- New construction 38
- Lakefront 2
- 1+ acre 52
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Listing data last updated November 3, 2026 at 7:28 PM (Central). Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Listings from NorthstarMLS, updated every hour from 8 AM to 10 PM.
Recently sold
What did homes in Ham Lake sell for?
Homes sold in Ham Lake in the last 6 months, from NorthstarMLS.
See every Ham Lake sale on the map
This home sale information is not an appraisal, competitive or comparative market analysis, CMA or home valuation.
Keller Williams Preferred Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Keller Williams Preferred Realty, a broker Participant of the Regional Multiple Listing Service of Minnesota, Inc. Information Deemed Reliable But Not Guaranteed.
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Keller Williams Preferred Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (little black house) and detailed information about them includes the name of the listing brokers.
Keller Williams Preferred Realty participates in Regional MLS’s Broker Reciprocity℠ program, allowing us to display other brokers’ listings on our site. However, Keller Williams Preferred Realty displays only listings located in the Minnesota communities covered on this website. Some properties which appear for sale on this web site may subsequently have sold and may no longer be available. Use of listing data is subject to the license agreement. Open House information is subject to change without warning.
Stay ahead of the market
How can you get new Ham Lake listings first?
Tell us your price range and we'll email new Ham Lake listings that match. No spam, and you can unsubscribe anytime.
- Pick your price, beds and home type
- New listings emailed as they come on the market
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Housing market · September 2026
Ham Lake home prices and sales
Over the 12 months through September 2026, the median sale price in Ham Lake was $549,950, up 5.8% from the year before, with 206 homes sold.
- Median sale price$549,950+5.8% vs. prior 12 months
- Homes sold206past 12 months
- Days on market63past 12 months
- Months of supply4.4end of September 2026
NorthstarMLS data via the Minneapolis Area REALTORS® Local Market Update, current as of October 7, 2026. Full Ham Lake market report
Living in
What's it like living in Ham Lake, MN?
The answer
Ham Lake is a north metro city, and it's about 41 minutes from downtown Minneapolis and 42 minutes from downtown Saint Paul in light traffic. 90.4% of its homes are single-family houses, the typical home was built around 1994, and 93.7% of households own their home.
Demographics · Ham Lake, MN
Who lives in Ham Lake?
According to the Census Bureau, Ham Lake's median household income is $120,135, 18% higher than the Anoka County median (Anoka County: $101,869). The median age is 43.8, 93.7% of households own their home and 36.9% of adults hold a bachelor's degree or higher.
US Census Bureau, American Community Survey 2020–2024 5-year estimates; population from 2024 estimates. Home values are owner estimates; values shown with “+” are the Census reporting cap.
Population trend
How fast is Ham Lake growing?
Ham Lake's population grew 2.6% between 2020 and 2024, from 16,471 to 16,905 residents, according to Census Bureau estimates.
US Census Bureau Vintage 2024 population estimates.
Show as a table
| Year | Residents |
|---|---|
| 2020 | 16,505 |
| 2021 | 16,645 |
| 2022 | 16,641 |
| 2023 | 16,757 |
| 2024 | 16,905 |
School planning
Which schools serve a Ham Lake address?
- Anoka-Hennepin Public School Districtabout 88% of the city
- Forest Lake Public School Districtabout 12% of the city
Ask the district for the school assignment of the exact address for the year you'll enroll, since boundaries can change. Being near a school doesn't guarantee a spot, and charter and private schools set their own rules.
Minnesota Report Card (Department of Education)
District coverage: US Census Bureau 2024 school district boundaries.
Crime data
How can you check reported crime near a home?
Ask the police department that serves the address for its current reports, and compare places only across the same time period and offense definitions. Missing data doesn't mean zero crime, and a citywide number doesn't describe a particular street.
By ZIP code
What does Ham Lake look like by ZIP code?
ZIP 55304 covers most of Ham Lake.
| ZIP | Share of city | Median home value | Median household income | Homeowners | Listings |
|---|---|---|---|---|---|
| 55304 | 100% | $421,300 | $131,700 | 94% | Homes for sale |
ZIP code areas (ZCTAs) covering at least 5% of the city; values for the whole ZIP area, Census ACS 2020–2024.
Outdoor living
What lakes and water are in Ham Lake?
Ham Lake has about 1.4 square miles of water inside city limits. 4 lakes of 10 acres or more touch Ham Lake; each has its own page with the lakefront homes for sale on it.
- Coon Lake1,481 acres
- Ham Lake155 acres
- Lake Netta119 acres
- South Coon Lake47 acres
Commute & transportation
How easy is getting around Ham Lake?
Ham Lake residents' average one-way commute is 28.6 minutes (Census ACS). 76.7% drive alone, 0.5% take public transit and 16.9% work from home.
Drive times from Ham Lake
- 41 minDowntown Minneapolis
- 42 minDowntown Saint Paul
- 53 minMSP Airport
- 55 minMall of America
- 39 minUniversity of Minnesota
Drive times: OSRM routing on OpenStreetMap data from the city's Census center point, light traffic. Rush hour takes longer.
Economy & jobs
Where do Ham Lake residents work?
The largest share of employed Ham Lake residents work in education, health care and social assistance (17.3%), followed by manufacturing (16.3%). The unemployment rate averaged 3.4% over 2020–2024 (Minnesota: 4.1%).
Census ACS 2020–2024, industry of employed residents 16 and older (C24050) and employment status (B23025).
- Education, health care and social assistance17.3%
- Manufacturing16.3%
- Construction11.4%
- Professional, scientific and management services9.3%
- Finance, insurance and real estate8.5%
- Retail trade7.9%
City comparison
How does Ham Lake compare to East Bethel, Blaine and Andover?
The three communities with the shortest drive from Ham Lake, side by side.
| Metric | Ham Lake | East Bethel | Blaine | Andover |
|---|---|---|---|---|
| Population (2024) | 16,905 | 12,288 | 75,172 | 33,426 |
| Change since 2020 | +2.6% | +4.3% | +7.1% | +2.5% |
| Median home value | $443K | $364K | $352K | $410K |
| Median household income | $120K | $110K | $107K | $138K |
| Median gross rent | $1,173 | $1,695 | $1,705 | $2,037 |
| Homeowners | 93.7% | 92.3% | 85.3% | 94.1% |
| Median age | 43.8 | 40.9 | 37.5 | 39.6 |
| Average commute | 28.6 min | 32.4 min | 24.5 min | 25.4 min |
| Drive to downtown Minneapolis | 41 min | 44 min | 28 min | 38 min |
Census 2024 estimates and ACS 2020–2024; drive times from OpenStreetMap routing.
Cost of ownership
What will a Ham Lake home cost you each month?
Enter the numbers for a specific home. The price starts at Ham Lake's Census median home value; the interest rate, property tax and insurance are yours to fill in from a lender quote, the county's tax statement and an insurance quote. This is an illustration, not a loan estimate.
Selling in Ham Lake
What's required to sell a home in Ham Lake?
We haven't confirmed a city pre-sale inspection for Ham Lake; check with the city before you list. Every Minnesota sale still includes the state disclosures: property condition, wells, septic systems, radon, lead paint for older homes and more.
Selling in Minnesota: every city's rules and the state disclosures · Estimate your net proceeds
Is Ham Lake right for you?
Who should buy a home in Ham Lake?
- Compare homes, not averages. Choose the space, layout and condition you need, and confirm it with an inspection.
- Try the drive. Test your commute at the times you'd actually travel.
- Check the schools for the address. Anoka-Hennepin Public School District covers most of the city, but not all of it.
- Budget the whole payment. Include taxes, insurance, association dues and upkeep.
Planning a move
What should I verify before moving to Ham Lake?
- The property's current tax statement and homestead status from Anoka County.
- Lender, insurance and utility quotes for the exact address, plus any association documents and special assessments.
- The seller's disclosures, including Minnesota's required radon and well disclosures.
- Whether the city requires a point-of-sale inspection or certificate (Minneapolis and Saint Paul, for example, require Truth-in-Sale-of-Housing reports).
- The school assignment for your enrollment year, confirmed with the district.
This weekend's open houses
Can you tour Ham Lake homes this weekend?
Found a Ham Lake home you like? We'll set up a private showing, usually within a day or two, or tell you when it has an open house.
Ham Lake FAQ
What do Ham Lake buyers most often ask?
What is the median home value in Ham Lake?
The Census Bureau's 2020–2024 American Community Survey puts the median value of owner-occupied homes in Ham Lake at $442,500, 28% higher than the Anoka County median (Anoka County: $346,500). These are owner estimates; for current asking prices, see the Ham Lake homes for sale in our home search.
How many people live in Ham Lake, MN?
About 16,905 people, according to the Census Bureau's 2024 estimate. The city grew by 2.6% between 2020 and 2024.
Which school district serves Ham Lake?
Anoka-Hennepin Public School District (about 88% of the city) and Forest Lake Public School District (about 12% of the city). School assignment depends on the exact address, so confirm it with the district before you buy.
How far is Ham Lake from downtown Minneapolis?
About 41 minutes by car in light traffic, and about 42 minutes to downtown Saint Paul. Residents' average one-way commute is 28.6 minutes (Census ACS).
Is Ham Lake a good place to live?
It depends on what you need. Ham Lake has a median household income of $120,135, 93.7% homeownership and a 28.6-minute average commute. Visit at the times you'd normally drive, check the school assignment for the address, and compare total ownership costs before you decide.
What does it cost to rent in Ham Lake?
The median gross rent (rent plus utilities) is $1,173 a month, compared with $1,464 in Anoka County (Census ACS 2020–2024).
What ZIP codes are in Ham Lake?
55304 covers most of the city. ZIP code areas and city limits don't match exactly, so check the city on the property record.
What lakes are in Ham Lake?
The largest named lakes inside the city are Coon Lake (about 426 acres), Ham Lake (about 169 acres), Lake Netta (about 115 acres) and Little Coon Lake (about 47 acres), based on Census water maps.
How long does it take to close on a home in Ham Lake?
Most financed purchases close about 30 to 45 days after an accepted offer, and cash purchases can close sooner. Your lender, the appraisal and the title company set the actual timeline.
Does Ham Lake require an inspection to sell a home?
We haven't confirmed a city inspection requirement for Ham Lake. Every Minnesota seller still owes the state disclosures (property condition, wells, septic, radon and more), and some counties require a septic inspection. Check with the city before you list.
Why Huerkamp Home Group
Why work with Huerkamp Home Group?
Ready to make a move?
Want to talk to a Ham Lake real estate expert?
Tell us your area, budget, timing and must-haves. We'll share current listings and recent sales, and explain how we'd represent you before you decide anything.
Explore nearby communities
Which communities are close to Ham Lake?
Drive times from Ham Lake in light traffic, with each community's Census median home value.