HomeMinnesotaAnoka CountyHam Lake
Ham Lake, Minnesota: commercial real estate data.
Ham Lake is a Census city of 16,702 people across 34.42 square miles of land, in Anoka County. Median household income is $120,135, 93.7 percent of occupied homes are owned, and the SBA record carries 24 7(a) approvals to borrowers here worth $18.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ham Lake
What Ham Lake is
- Census place typecity
- Land area34.42 sq mi
- Water area1.45 sq mi
- Population per square mile of land485
- County holding the largest share of its areaAnoka County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ham Lake
How many people live in Ham Lake
- Population16,702
- Median age43.8
- Population under 183,883
- Share under 1823.2 percent
- Population 65 and over3,104
- Share 65 and over18.6 percent
- Households5,945
- Family households4,799
- Share of households that are families80.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ham Lake
Income and work in Ham Lake
- Median household income$120,135
- Per capita income$53,119
- Civilian labor force8,457
- Employed8,166
- Unemployed291 plus or minus 106
- Unemployment rate3.4 percent plus or minus 1.2
- Adults 25 and over11,627
- Adults 25 and over with a high school diploma or higher95.2 percent
- Adults 25 and over with a bachelor degree or higher36.9 percent
- Adults 25 and over with a graduate degree10.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ham Lake
Housing in Ham Lake
- Housing units6,014
- Occupied units5,945
- Vacant units69 plus or minus 70
- Vacancy rate1.1 percent plus or minus 1.2
- Owner occupied5,573
- Renter occupied372 plus or minus 113
- Ownership rate93.7 percent
- Median owner-occupied home value$442,500
- Median gross rent, monthly$1,173
- Annual rent as a share of median income11.7 percent
- Single family units5,435
- Share single family90.4 percent
- Units in buildings of two or more197 plus or minus 96
- Share in buildings of two or more3.3 percent plus or minus 1.6
- Mobile homes382 plus or minus 192
- Median year structure built1994
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ham Lake
How Ham Lake gets to work
- Workers 16 and over who commute6,699
- Commuting under 15 minutes844 plus or minus 179
- Share commuting under 15 minutes12.6 percent plus or minus 2.6
- Commuting 30 minutes or more3,501
- Share commuting 30 minutes or more52.3 percent
- Drove alone76.7 percent
- Carpooled4.5 percent plus or minus 1.7
- Public transport0.5 percent plus or minus 0.5
- Walked0.1 percent plus or minus 0.2
- Worked from home16.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ham Lake
SBA loans in Ham Lake (7(a))
- Approvals24
- Gross approval$18,926,300
- Average approval$788,596
- Median approval$350,000
- Ninetieth percentile approval$1,891,700
- Largest approval$5,000,000
- Jobs supported535
- Jobs per approval22.3
- Loans with a final outcome4
- Paid in full3
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises4.2 percent
- Distinct lenders15
- Distinct industries by NAICS20
Counted by borrower city: approvals to borrowers whose address is in Ham Lake, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ham Lake
SBA loans in Ham Lake (504)
- Approvals34
- Gross approval$16,598,000
- Average approval$488,176
- Median approval$279,000
- Largest approval$1,816,000
- Jobs supported259
- Loans with a final outcome12
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Ham Lake, in any county, FY2010 to FY2026. Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ham Lake
Flood risk in Ham Lake
- NFIP communityCity of Ham Lake
- NFIP community number270674
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/16/15
The City of Ham Lake participates in the National Flood Insurance Program as community 270674 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Anoka County, not Ham Lake
Anoka County context, not Ham Lake figures
- Establishments in Anoka County8,438
- Covered employment, Anoka County133,130
- Average annual pay, Anoka County$65,235
- Housing units permitted, Anoka County1,062
Every figure in this section is published for Anoka County as a whole and is not a measurement of Ham Lake.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Ham Lake questions, answered from the record.
How many people live in Ham Lake, Minnesota?
16,702, in 5,945 households. Ham Lake city covers 34.42 square miles of land, which is 485 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ham Lake in?
Anoka County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ham Lake?
$120,135. The median owner-occupied home is valued at $442,500. Median gross rent is $1,173 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ham Lake businesses?
24 7(a) approvals totaling $18.9 m since FY2020, across 15 lenders, median approval $350,000, plus 34 504 approvals worth $16.6 m since FY2010. These count approvals to borrowers whose address is in Ham Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ham Lake borrowers get paid back?
No rate is published for Ham Lake. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ham Lake in the National Flood Insurance Program?
Yes. Ham Lake appears in the FEMA Community Status Book as Ham Lake, city of, community 270674, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ham Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Anoka County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ham Lake.
Is zoning published for Ham Lake?
No. Nothing on this page presents parcel level zoning.