HomeMinnesotaWright CountyHoward Lake
Howard Lake, Minnesota: commercial real estate data.
Howard Lake is a Census city of 1,832 people across 1.85 square miles of land, in Wright County. Median household income is $92,188, 72.0 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $3.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Howard Lake
What Howard Lake is
- Census place typecity
- Land area1.85 sq mi
- Water area0.06 sq mi
- Population per square mile of land989
- County holding the largest share of its areaWright 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.
Howard Lake
How many people live in Howard Lake
- Population1,832
- Median age48.4
- Population under 18336 plus or minus 82
- Share under 1818.3 percent
- Population 65 and over491 plus or minus 137
- Share 65 and over26.8 percent plus or minus 6.0
- Households815
- Family households582 plus or minus 156
- Share of households that are families71.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard Lake
Income and work in Howard Lake
- Median household income$92,188 plus or minus $30,024
- Per capita income$44,807
- Civilian labor force940 plus or minus 208
- Employed927 plus or minus 208
- Unemployed13 plus or minus 12
- Unemployment rate1.4 percent plus or minus 1.2
- Adults 25 and over1,411
- Adults 25 and over with a high school diploma or higher94.3 percent plus or minus 25.3
- Adults 25 and over with a bachelor degree or higher23.1 percent plus or minus 5.1
- Adults 25 and over with a graduate degree4.4 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard Lake
Housing in Howard Lake
- Housing units915
- Occupied units815
- Vacant units100 plus or minus 59
- Vacancy rate10.9 percent plus or minus 6.2
- Owner occupied587 plus or minus 145
- Renter occupied228 plus or minus 67
- Ownership rate72.0 percent
- Median owner-occupied home value$273,600
- Median gross rent, monthly$911
- Annual rent as a share of median income11.9 percent plus or minus 4.0
- Single family units696 plus or minus 141
- Share single family76.1 percent
- Units in buildings of two or more201 plus or minus 73
- Share in buildings of two or more22.0 percent plus or minus 7.2
- Mobile homes18 plus or minus 23
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard Lake
How Howard Lake gets to work
- Workers 16 and over who commute694 plus or minus 139
- Commuting under 15 minutes181 plus or minus 68
- Share commuting under 15 minutes26.1 percent plus or minus 8.3
- Commuting 30 minutes or more407 plus or minus 141
- Share commuting 30 minutes or more58.6 percent plus or minus 16.5
- Drove alone72.9 percent
- Carpooled6.7 percent plus or minus 5.5
- Public transport0.3 percent plus or minus 0.6
- Walked0.0 percent
- Worked from home20.0 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard Lake
SBA loans in Howard Lake (7(a))
- Approvals5
- Gross approval$3,146,600
- Average approval$629,320
- Median approval$270,000
- Largest approval$2,091,000
- Jobs supported28
- Jobs per approval5.6
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises20.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Howard Lake, in any county, FY2020 to FY2026. Only 2 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.
Howard Lake
SBA loans in Howard Lake (504)
- Approvals14
- Gross approval$7,000,000
- Average approval$500,000
- Median approval$415,500
- Largest approval$2,075,000
- Jobs supported58
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Howard Lake, in any county, FY2010 to FY2026. Only 8 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.
Howard Lake
Flood risk in Howard Lake
- NFIP communityCity of Howard Lake
- NFIP community number270397
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Howard Lake participates in the National Flood Insurance Program as community 270397 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.
Wright County, not Howard Lake
Wright County context, not Howard Lake figures
- Establishments in Wright County3,680
- Covered employment, Wright County48,758
- Average annual pay, Wright County$55,999
- Housing units permitted, Wright County1,264
Every figure in this section is published for Wright County as a whole and is not a measurement of Howard 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
Howard Lake questions, answered from the record.
How many people live in Howard Lake, Minnesota?
1,832, in 815 households. Howard Lake city covers 1.85 square miles of land, which is 989 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Howard Lake in?
Wright 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 Howard Lake?
$92,188. The median owner-occupied home is valued at $273,600. Median gross rent is $911 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Howard Lake businesses?
5 7(a) approvals totaling $3.1 m since FY2020, across 4 lenders, median approval $270,000, plus 14 504 approvals worth $7.0 m since FY2010. These count approvals to borrowers whose address is in Howard Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Howard Lake borrowers get paid back?
No rate is published for Howard Lake. Only 2 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 Howard Lake in the National Flood Insurance Program?
Yes. Howard Lake appears in the FEMA Community Status Book as Howard Lake, city of, community 270397, 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 Howard Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Wright 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 Howard Lake.
Is zoning published for Howard Lake?
No. Nothing on this page presents parcel level zoning.
Nearby