HomeMinnesotaAnoka CountyHam Lake city
Ham Lake city, Minnesota: commercial real estate data.
Ham Lake city 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.
77 sourced place values · tier FULL · 8 sections
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 7(a) lending to Ham Lake borrowers
- Approvals24
- Gross approval$18,926,300
- Average approval$788,596
- Median approval$350,000
- Ninetieth percentile approval$2,000,000
- 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
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ham Lake
SBA 504 lending to Ham Lake borrowers
- Approvals34
- Gross approval$16,598,000
- Average approval$488,176
- Median approval$284,000
- Largest approval$1,816,000
- Jobs supported259
- Loans with a final outcome12
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Anoka County, not Ham Lake
Anoka County context, not Ham Lake figures
These are Anoka County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Ham Lake measurements.
- Establishments in Anoka County8,438
- Employment at those establishments, Anoka County123,486
- Covered employment, Anoka County133,130
- Average annual pay, Anoka County$65,235
- Average weekly wage, Anoka County$1,255
- Housing units permitted, Anoka County1,062
- Of those, single family, Anoka County898
- County product, 2024, Anoka County$20,602,517,000
- County product change over the prior year, Anoka County4.5 percent
- Average income of an arriving household, Anoka County$63,023
Every figure in this section is published for Anoka County as a whole and is not a measurement of Ham Lake. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $18.9 m, across 15 lenders, median approval $350,000, plus 34 504 approvals worth $16.6 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Ham Lake figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.