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.
See the full metro analysis: Minneapolis-St. Paul-Bloomington, MN-WI stress score, crash risk, and 12-month forecast →
Home Value$482,579
+4.1%
AFFORDABILITY6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Ham Lake.
$96,516 on $482,579
Out of reach — 48.7% of income
Need $130,329/yr to afford.
PITI$3,041
P/I48.7%
Afford$278K
Gap-$205K
P&I $2,440Tax $450Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Minnesota
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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 →