Median home value: $483K (+4.1% YoY). Part of Minneapolis-St. Paul-Bloomington, MN-WI.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Minneapolis-St. Paul-Bloomington, MN-WI metro page.
Home Value$482,579
+4.1%
AFFORDABILITY6.00% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Ham Lake.
$96,516 on $482,579
Out of reach — 46.6% of income
Need $124,929/yr to afford.
PITI$2,915
P/I46.6%
Afford$290K
Gap-$193K
P&I $2,315Tax $450Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing