2026 Affordability Data
Most Affordable Neighborhoods in Ham Lake - 2026 Data
The median home value in Ham Lake is $409,600, 45% above nat'l avg. Median rent is $850/month. With an affordability index of 171, Ham Lake is more affordable than the national baseline of 100. We ranked 15 neighborhoods by affordability to help you find the best value in the Ham Lake, MN area.
Key Takeaways: Affordability in Ham Lake
- 1The most affordable neighborhood in Ham Lake is Eagan, with a median home value of $362,200.
- 2Ham Lake's median home value is $409,600, 45% above nat'l avg (national: $281,900).
- 3Ham Lake's affordability index is 171 (baseline 100), making it more affordable than the national average.
- 4Median rent in Ham Lake is $850/month, 27% below nat'l avg (national: $1,163/month).
- 5We analyzed 15 neighborhoods in Ham Lake to find the most affordable areas based on home values, rent, and affordability index.
Ham Lake Affordability Overview
Median Home Value
$409,600
45% above nat'l avg
Median Rent
$850/mo
27% below nat'l avg
Median Income
$112,854
51% above nat'l avg
Affordability Index
171
71% above nat'l avg
Most Affordable Neighborhoods in Ham Lake (Ranked)
| Rank | Neighborhood | Median Home Value |
|---|---|---|
| 1 | EaganMN | $362,200 |
| 2 | RochesterMN | $268,800 |
| 3 | WoodburyMN | $409,900 |
| 4 | St. CloudMN | $189,600 |
| 5 | Fergus FallsMN | $165,200 |
| 6 | Little CanadaMN | $300,100 |
| 7 | Big LakeMN | $266,600 |
| 8 | PlymouthMN | $447,600 |
| 9 | North MankatoMN | $235,500 |
| 10 | BlaineMN | $303,800 |
| 11 | BurnsvilleMN | $315,700 |
| 12 | St. Louis ParkMN | $357,900 |
| 13 | MarshallMN | $188,100 |
| 14 | MonticelloMN | $279,600 |
| 15 | VictoriaMN | $534,700 |
Detailed Neighborhood Profiles
Home Value: $362,200
Rent: $850/mo
Affordability: 171
Population: 68,262
Walk Score: 0/100
Home Value: $268,800
Rent: $850/mo
Affordability: 171
Population: 120,848
Walk Score: 0/100
Home Value: $409,900
Rent: $850/mo
Affordability: 171
Population: 75,549
Walk Score: 0/100
4
Home Value: $189,600
Rent: $850/mo
Affordability: 171
Population: 68,910
Walk Score: 0/100
5
Home Value: $165,200
Rent: $850/mo
Affordability: 171
Population: 14,108
Walk Score: 0/100
6
Home Value: $300,100
Rent: $850/mo
Affordability: 171
Population: 10,624
Walk Score: 0/100
7
Home Value: $266,600
Rent: $850/mo
Affordability: 171
Population: 11,857
Walk Score: 0/100
8
Home Value: $447,600
Rent: $850/mo
Affordability: 171
Population: 79,918
Walk Score: 0/100
9
Home Value: $235,500
Rent: $850/mo
Affordability: 171
Population: 14,238
Walk Score: 0/100
10
Home Value: $303,800
Rent: $850/mo
Affordability: 171
Population: 70,047
Walk Score: 0/100
11
Home Value: $315,700
Rent: $850/mo
Affordability: 171
Population: 64,075
Walk Score: 0/100
12
Home Value: $357,900
Rent: $850/mo
Affordability: 171
Population: 49,500
Walk Score: 0/100
13
Home Value: $188,100
Rent: $850/mo
Affordability: 171
Population: 13,647
Walk Score: 0/100
14
Home Value: $279,600
Rent: $850/mo
Affordability: 171
Population: 14,447
Walk Score: 0/100
15
Home Value: $534,700
Rent: $850/mo
Affordability: 171
Population: 10,681
Walk Score: 0/100
Frequently Asked Questions About Affordability in Ham Lake
What is the most affordable neighborhood in Ham Lake, MN?▾
Based on 2026 data, Eagan is the most affordable neighborhood in Ham Lake with a median home value of $362,200. Kurby analyzed 15 neighborhoods in the Ham Lake area to compile these rankings.
What is the median home price in Ham Lake, MN?▾
The median home price in Ham Lake is $409,600, which is 45% above nat'l avg. The national median home value is $281,900 (Source: Kurby, 2026).
Is Ham Lake affordable compared to the national average?▾
Ham Lake has an affordability index of 171, which means housing is more affordable than the national baseline of 100. An index above 100 indicates that a median-income household can afford a median-priced home in the area.
What is the average rent in Ham Lake, MN?▾
The median monthly rent in Ham Lake is $850. This is 27% below nat'l avg. The national median rent is $1,163/month (Source: Kurby, 2026).
What is the median household income in Ham Lake?▾
The median household income in Ham Lake is $112,854 compared to the national median of $74,580. This metric is important for understanding housing affordability in relation to local earning power (Source: Kurby, 2026).
How many neighborhoods in Ham Lake are below the national average home price?▾
7 out of 15 ranked neighborhoods in Ham Lake have a median home value below the national average of $281,900. The most affordable is Rochester at $268,800 (Source: Kurby, 2026).