Ham Lake, MN demographics:
population, income, and more

Total population
16,702
0.8% year-over-year change
Median household income
$120,135/yr
2.8% year-over-year change
Housing units
6,014
-0.2% year-over-year change

Ham Lake population

How many people live in Ham Lake

Ham Lake is home to 16,702 residents, according to the most recent Census data. Gender-wise, 51.8% of Ham Lake locals are male, and 48.2% are female.

Total population
16,702
0.8% year-over-year change
Gender ratio
Male
51.8%
8,655
Female
48.2%
8,047
Value Percent YoY change
Male 8,655 51.8% -0.7%
Female 8,047 48.2% 2.4%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Ham Lake is 44, with the population distributed as follows: about 19% are children under 15, then 11.3% are in the 15 to 24 age group. Adults between 25 and 44 make up 21.5% of the population, while another 29.5% fall into the 45 to 64 bracket. Finally, around 18.6% are 65 or older.

Median age
43.8
Age breakdown
Under 15
19%
15 to 24
11.3%
25 to 44
21.5%
45 to 64
29.5%
Over 65
18.6%
Value Percent YoY change
Under 15 3,182 19% 3.8%
15 to 24 1,893 11.3% -6.8%
25 to 44 3,590 21.5% -2.3%
45 to 64 4,933 29.5% -0.3%
Over 65 3,104 18.6% 8.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Ham Lake, 96% of the population are US-born citizens, while 3.2% have gained naturalized citizenship. At the same time, 0.8% of residents are non-citizens. As for race, 90% of locals are Caucasian, 0.1% are African American and 4.4% have Asian roots. There’s also a share of 4.5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
96%
Non-U.S.-born citizens
3.2%
Non-citizens
0.8%
Value Percent YoY change
U.S.-born citizens 16,039 96% -0.0%
Non-U.S.-born citizens 535 3.2% 29.9%
Non-citizens 128 0.8% 9.4%
Racial breakdown
White
90%
Black or African American
0.1%
American Indian and Alaska Native
0%
Asian
4.4%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4.5%
Other
0.8%
Value Percent
White 15,039 90%
Black or African American 23 0.1%
American Indian and Alaska Native 1 0%
Asian 738 4.4%
Native Hawaiian and other Pacific Islander 7 0%
Two or more races 754 4.5%
Other 140 0.8%

Households in Ham Lake

A peek inside Ham Lake households

Ham Lake has 5,945 households, with an average of 3 members in each. Of these, 80.7% are families, while the remaining 19.3% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
5,945
0.2% year-over-year change
Average people per household
3
Non-family households
1,146
Family households
4,799
Value Percent YoY change
Non-family households 1,146 19.3% -8.9%
Family households 4,799 80.7% 2.7%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Ham Lake

The housing landscape of Ham Lake

Ham Lake's housing consists of 6,014 units, with 84.6% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 5.8% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 6.4% of the housing landscape.

Housing units
6,014
-0.2% year-over-year change
Housing types
Value Percent
1 unit, detached 5,086 84.6%
1 unit, attached 349 5.8%
5 to 9 units 38 0.6%
20 to 49 units 52 0.9%
50 or more units 107 1.8%
Mobile home 382 6.4%
Homes built since 2020
136
37.4% year-over-year change

The age of buildings in Ham Lake

In Ham Lake, the median construction year is 1994. About 2.7% of homes were built before the 1940s, with another 1% going up by 1949. Most development happened in the second half of the 20th century. Then, 23.1% of homes were added from 2000 to 2009, 10.8% between 2010 and 2019, and 2.3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 165 2.7% 8.6%
Built between 1940 and 1949 61 1% 32.6%
Built between 1950 and 1959 123 2% 2.5%
Built between 1960 and 1969 251 4.2% -5.3%
Built between 1970 and 1979 1,268 21.1% -1.7%
Built between 1980 and 1989 666 11.1% -2.8%
Built between 1990 and 1999 1,302 21.6% -7.7%
Built between 2000 and 2009 1,391 23.1% 8.1%
Built between 2010 and 2019 651 10.8% -2.8%
Built in 2020 or later 136 2.3% 37.4%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Ham Lake occupancy rates

Out of the 5,945 occupied housing units in Ham Lake, 93.7% are owner-occupied, while 6.3% are lived in by tenants. Meanwhile, 1.1% of all homes on the local market sit vacant.

Occupied housing units
5,945
0.2% year-over-year change
Occupancy breakdown
Renter occupied
372
Owner occupied
5,573
Value Percent YoY
change
Renter occupied 372 6.3% 30.5%
Owner occupied 5,573 93.7% -1.3%
Unoccupied housing units
1.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Ham Lake housing costs

Housing costs in Ham Lake come to a median of $1,602 per month, while tenants specifically pay a median gross rent of $1,173.

Median housing costs per month
$1,602/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Ham Lake
$1,173/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Ham Lake

Ham Lake education at a glance

About 33% of the population in Ham Lake went to high school, while 19.7% pursued college studies. Another 11.8% earned an associate degree and 25.6% hold a bachelor’s. Meanwhile, 9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 108 0.8% 28.6%
High school diploma 4,225 33% 5.7%
College diploma 2,527 19.7% -12.3%
Associate degree 1,516 11.8% 0.5%
Bachelor's degree 3,284 25.6% 5.5%
Graduate degree 1,159 9% -3.1%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Ham Lake

How much people earn in Ham Lake

The average annual household income in Ham Lake was $147,022 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -2% change from the previous year. At the same time, the median income stood at $120,135, reflecting a +2.8% shift over the same period.

Average household income in Ham Lake
$147,022/year
-2.0% year-over-year change
Median household income in Ham Lake
$120,135/year
2.8% year-over-year change

Ham Lake income by age

In Ham Lake, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $168,929. Those with someone between 45 and 64 in charge, often well established professionally, earn $149,570 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $49,213, while those led by someone over 65, many of whom may be retired, have about $74,634 in earnings. Overall, 96% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $49,213 5.0%
25 - 44 $168,929 15.6%
45 - 64 $149,570 1.7%
Over 65 $74,634 2.5%
Above poverty level
15,886
Below poverty level
667
Value Percent YoY
change
Above poverty level 15,886 96% 0.7%
Below poverty level 667 4% -0.9%

Average renter income in Ham Lake

To get a better sense of what renters earn on average in Ham Lake, their median household income was $46,131 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 30.5%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$46,131
Rent-to-income ratio
30.5%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Ham Lake

Workforce and job types in Ham Lake

The job market in Ham Lake is powered by 8,166 working residents, spread across a range of industries and roles. 76.4% of the working population are employed in professional or administrative positions, while 23.6% are in hands-on or service-based jobs. Also, 11.6% run their own businesses, 69.9% are employed by private companies, and 10.1% work in the public sector.

Workforce demographics

Working population
8,166
-2.0% year-over-year change
White collar
6,240
Blue collar
1,926
Value Percent YoY change
White collar 6,240 76.4% 0.5%
Blue collar 1,926 23.6% -9.4%
Employer type
Self employees
11.6%
Private companies
69.9%
Governmental workers
10.1%
Not for profit companies
8.3%
Value Percent YoY change
Self employees 948 11.6% -5.9%
Private companies 5,711 69.9% 3.3%
Governmental workers 826 10.1% -17.5%
Not for profit companies 681 8.3% -14.6%
Unemployment rate
3.4%
29.3% year-over-year change

Available workforce

The unemployment rate in Ham Lake stands at 3.4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Ham Lake

How people get around in Ham Lake

Commuting methods vary: 81.3% of residents travel by personal vehicle and 0.1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 6,554 81.3% -6.2%
Taxicab 10 0.1% -16.7%
Bus or trolleybus 40 0.5% -9.1%
Motorcycle 21 0.3% 0.0%
Bicycle 14 0.2% 40.0%
Walk 8 0.1% -20.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Ham Lake by zipcode?

Zipcode Population Number of households Median income Average income
55304 49,737 16,915 $131,700 $154,151

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FAQs about Ham Lake demographics 

What is the total population of Ham Lake?

Ham Lake has a total population of 16,702 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.8% compared to a year ago.

What is the gender ratio in Ham Lake?

The gender ratio in Ham Lake is as follows:
  • 51.8% males (8,655 residents)
  • 48.2% females (8,047 residents)

What is the median age in Ham Lake?

The median age in Ham Lake is 43.8.

What is the age distribution of the population in Ham Lake?

The age distribution in Ham Lake is as follows:
  • Under 15: 19% (3,182 residents)
  • Ages 15-24: 11.3% (1,893 residents)
  • Ages 25-44: 21.5% (3,590 residents)
  • Ages 45-64: 29.5% (4,933 residents)
  • Over 65: 18.6% (3,104 residents)

What is the racial and ethnic makeup of Ham Lake?

The racial and ethnic makeup of Ham Lake is as follows:
  • White: 90% (15,039 residents)
  • Black or African American: 0.1% (23 residents)
  • American Indian and Alaska Native: 0% (1 residents)
  • Asian: 4.4% (738 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (7 residents)
  • Two or More Races: 4.5% (754 residents)
  • Other: 0.8% (140 residents)

What percentage of the population in Ham Lake are U.S.-born citizens?

U.S.-born citizens represent 96% of the population in Ham Lake.

How many housing units are there in Ham Lake?

There are 6,014 housing units in Ham Lake, reflecting a -0.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Ham Lake and what is the average household size?

Ham Lake has a total of 5,945 households, with an average of 3 people in each.

What is the median household income in Ham Lake?

Ham Lake has a median household income of $120,135, representing a +2.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Ham Lake?

The employment rate is 96.6% in Ham Lake, with a workforce of 8,166 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 76.4% (6,240 residents)
  • Blue-collar workers: 23.6% (1,926 residents)

Places of employment:
  • Self-employed: 11.6% (948 residents)
  • Private companies: 69.9% (5,711 residents)
  • Governmental workers: 10.1% (826 residents)
  • Not-for-profit companies: 8.3% (681 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025