The median home in Ham Lake, Minnesota is valued at $482,579, up 4.1% year over year. Ham Lake is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$482,579

+4.1%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$96,516 on $482,579

Example: $75,000 household income. Change it above to see your own.

Out of reach48.7% of income

Need $130,329/yr to afford.

PITI$3,041

P/I48.7%

Afford$278K

Gap-$205K

P&I $2,440Tax $450Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Ham Lake with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Minneapolis-St. Paul-Bloomington, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Minneapolis-St. Paul-Bloomington, MN-WI metro.

View Minneapolis-St. Paul-Bloomington, MN-WI metro

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Ham Lake, MN