Living in and Moving to Ham Lake, Minnesota

Cost to Move to Ham Lake, Minnesota

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The two week long 2007 Minnesota Ham Lake Fire burnt 75,000 acres and destroyed hundreds of buildings. Except the 188 homes that had taken a government subsidy offer to install off-grid outdoor fire sprinklers (like this one in Australia). They really do work. pic.twitter.com/eELAstnRQk

— Wrath Of Gnon (@wrathofgnon) January 31, 2024

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Cost of living in Ham Lake, Minnesota

Housing Costs

The median home price in Ham Lake, MN, as of 2024, is approximately $405,000. This is slightly higher than the state median home price of $305,000, reflecting Ham Lake’s desirable location and larger lot sizes. Renting is also a popular option, with average rent for a 1-bedroom apartment ranging from $1,250 to $1,500 per month. The monthly mortgage payment for a typical home in Ham Lake could be around $2,000 to $2,500, depending on the down payment and interest rate.

For more information, visit Zillow for real-time market data on housing costs in the area.

Utilities

The average monthly utility bill for a 915 square-foot apartment in Ham Lake is around $160, which includes electricity, heating, cooling, water, and garbage services. This is slightly lower than the national average, largely due to the relatively mild climate of the area. High-speed internet costs average around $60 to $80 per month, depending on the provider and plan chosen.

For more precise utility cost comparisons, see data from Numbeo.

Groceries/Food

The cost of groceries in Ham Lake is fairly consistent with the national average. Monthly grocery expenses for a single person can range from $250 to $350. A gallon of milk costs approximately $3.25, bread costs $2.50, and a dozen eggs is about $2.75. Dining out will cost an average of $12 to $20 for a meal at a mid-range restaurant, with a three-course meal for two typically priced around $50.

For more details, refer to the cost of living comparison on Numbeo.

Transportation

Transportation costs in Ham Lake are primarily influenced by the need for personal vehicles, as public transit options are limited. Gasoline prices in the area hover around $3.50 per gallon, which is in line with the national average. Car insurance rates are typically around $1,200 annually, although this can vary depending on the driver’s profile. The cost of a typical public transportation pass is about $80 to $120 per month in nearby cities, though most residents in Ham Lake rely on personal vehicles due to the area’s suburban nature.

For more information on average gas and insurance rates, consult GasBuddy and ValuePenguin.

Healthcare

The average cost of healthcare in Ham Lake, MN, is comparable to other suburban areas in Minnesota. Health insurance premiums for an individual can range from $300 to $500 per month depending on the plan. Doctor’s office visits typically cost $120 to $200 without insurance, and an urgent care visit may cost between $150 and $250. Prescription medication costs vary, but the average monthly prescription cost can be anywhere from $50 to $200 depending on the medication required.

For detailed health insurance and cost comparisons, visit HealthCare.gov.

Childcare and Education

Childcare expenses in Ham Lake can be significant. Full-time daycare for an infant can range from $800 to $1,200 per month, depending on the facility and program. For older children, after-school programs may cost around $150 to $300 per month. Public schools in Ham Lake are part of the Anoka-Hennepin School District, which has a reputation for quality education. Private schooling options range from $4,000 to $12,000 per year depending on the institution.

For more details on educational costs, check the Anoka-Hennepin School District website.

Taxes

Ham Lake residents face property taxes that are approximately 1.15% of the home’s assessed value, which is close to the Minnesota state average of 1.10%. The sales tax rate in Ham Lake is 7.525%, which includes both state and county taxes. Additionally, residents will pay a state income tax rate that ranges from 5.35% to 9.85%, depending on their income level. Minnesota’s property tax system also includes exemptions for certain groups, such as senior citizens.

For up-to-date tax information, consult the Minnesota Department of Revenue website.

Insurance

In Ham Lake, homeowners insurance averages around $1,200 to $1,800 annually, depending on the home’s value and coverage specifics. Auto insurance in the area averages $1,200 per year for a single driver with standard coverage. Renters insurance is generally affordable, averaging between $150 and $250 annually for a standard policy.

For a detailed look at insurance rates in Minnesota, visit Geico.

Recreation and Entertainment

Recreational activities in Ham Lake tend to be outdoors-oriented. The cost for a yearly membership at a local gym is approximately $300 to $500. For those interested in seasonal outdoor activities, a fishing license costs around $25 annually, and a state park pass is $35 for the year. Local attractions and events typically charge modest entry fees, with most outdoor events being free. Dining and entertainment options can be moderate, with movie tickets costing about $12 to $15 per person.

For additional entertainment options, check out the City of Ham Lake website.

Clothing

The cost of clothing in Ham Lake is similar to other suburban areas in the Midwest. A pair of jeans will typically cost between $30 and $60, while a good-quality pair of running shoes can range from $50 to $100. Shopping at stores like Target and Walmart can help keep clothing costs down, while higher-end stores may increase spending by 20-30% for similar items.

For more local shopping comparisons, refer to Target and Walmart.

Personal Care

Personal care expenses in Ham Lake are typical for the region. A haircut for a male averages $20 to $30, while a female haircut can cost around $40 to $60. A basic facial treatment or manicure may run between $50 and $100, depending on the salon and service quality. A monthly gym membership can be anywhere from $30 to $60, while personal care products like shampoo, soap, and toothpaste are generally in line with national prices.

For more information, see the personal care prices listed on Numbeo.

Miscellaneous Expenses

Miscellaneous expenses, including things like entertainment, clothing, and personal services, can vary depending on lifestyle. Monthly expenses outside of major categories might range from $100 to $500, depending on preferences. For instance, local membership fees, occasional dining out, and entertainment like concerts or events may add up, but overall, these costs are generally in line with other suburban Minnesota areas.

For more on miscellaneous costs in Ham Lake, consult Numbeo.

Is Ham Lake, Minnesota a safe place to live – Crime Rates?

Crime Rate

Ham Lake, Minnesota, is considered a relatively safe place to live, with crime rates lower than the national average. According to the most recent data from the FBI Uniform Crime Reporting (UCR) Program, the overall crime rate in Ham Lake is around 1,000 incidents per 100,000 people, which is lower than the national average of 2,500 incidents per 100,000 people. This places the community in a favorable position in comparison to other areas in the United States, particularly in suburban and rural communities.

For further details, you can refer to the FBI Uniform Crime Reporting (UCR) Program.

Violent Crime Rate

The violent crime rate in Ham Lake is significantly lower than the national average. With fewer than 50 violent crimes reported annually, the violent crime rate is approximately 0.5 per 1,000 residents. This is well below the national average of 4.0 per 1,000 residents, making Ham Lake a very low-risk area for violent crimes like homicide, assault, and robbery.

For more data on violent crime, refer to the FBI UCR Program.

Property Crime Rate

Ham Lake has a relatively low property crime rate, with incidents such as burglary, larceny, and motor vehicle theft occurring at a rate of 12.5 per 1,000 residents, which is lower than the state average of 22.0 per 1,000 residents. The most common property crime in the area is larceny-theft, but it remains significantly lower than urban areas across the U.S.

For detailed property crime data, refer to the City-Data Crime Statistics for Ham Lake.

Police Presence

Ham Lake is served by the Anoka County Sheriff’s Office, which provides law enforcement coverage for the community. The sheriff’s office maintains a visible presence in the area, and with a relatively low crime rate, the department focuses on community policing and proactive measures. Additionally, the city has a small police force that works closely with the sheriff’s department to ensure public safety.

For more information about law enforcement in Ham Lake, visit the Anoka County Sheriff’s Office website.

Neighborhood Watch Programs

Ham Lake has a number of neighborhood watch programs that contribute to the safety and security of the area. These programs are organized by local residents in cooperation with the Anoka County Sheriff’s Office. The aim of these programs is to reduce crime and improve community relations through vigilance, cooperation, and regular communication with law enforcement.

To learn more about neighborhood watch programs in Ham Lake, check the Anoka County Community Safety Plan.

Safety Rankings

Ham Lake consistently ranks as one of the safer communities in Anoka County and the greater Minneapolis-St. Paul metropolitan area. Based on a comparison of crime statistics and safety reports, the city often ranks in the top 25% for safety within Minnesota, based on the low number of both violent and property crimes reported. Various online safety rankings, such as those by AreaVibes, highlight the city’s status as a low-crime area compared to other neighborhoods in Minnesota.

Trend Data

Crime trends in Ham Lake have been generally decreasing over the past few years. Property crime rates, in particular, have been on the decline, with fewer break-ins and motor vehicle thefts reported each year. Law enforcement and community efforts, including the establishment of neighborhood watch programs, have contributed to this downward trend. Violent crime has remained extremely low, and any incidents that do occur are typically isolated.

For additional crime trend data, refer to City-Data’s crime statistics for Ham Lake.

School Safety

Ham Lake is served by the Anoka-Hennepin School District, which has a strong reputation for providing a safe learning environment. The district places a heavy emphasis on safety measures, including school resource officers, anti-bullying programs, and mental health services. Recent safety audits and surveys indicate that students feel secure on campus, and schools within the district consistently receive high marks for their efforts in maintaining a safe educational environment.

For more information on school safety in Ham Lake, visit the Anoka-Hennepin School District Safety page.

What are the demographics of Ham Lake, Minnesota?

White

As of the most recent U.S. Census data in 2020, approximately 93.5% of the population in Ham Lake, Minnesota, identifies as White. This reflects the predominantly Caucasian makeup of the area, which is consistent with many suburban communities in the Upper Midwest. The large majority of the population is of European descent, which influences the cultural and social landscape of the city.

For more details on the demographic breakdown of Ham Lake, visit the U.S. Census Bureau Data.

Black or African American

The Black or African American population in Ham Lake is about 1.6% of the total population, according to the most recent data from the U.S. Census Bureau. This percentage is considerably lower than the national average, reflecting the generally less diverse demographic profile of the area.

For further demographic insights, refer to the U.S. Census Bureau Data.

Hispanic or Latino

Approximately 2.4% of the population in Ham Lake identifies as Hispanic or Latino. This group includes individuals of various national origins, primarily from Latin American countries, but still represents a smaller portion of the community compared to larger urban centers in Minnesota.

For more details, refer to the U.S. Census Bureau Data.

Two or More Races

The percentage of people in Ham Lake identifying as two or more races is approximately 1.9%, reflecting a growing trend of multi-racial households across the United States. This figure aligns with national patterns of increasing racial diversity in suburban communities.

For further breakdown of demographic data, visit the U.S. Census Bureau Data.

Asian

As of the most recent census data, around 0.7% of Ham Lake’s population identifies as Asian. This is a relatively small percentage, reflecting the broader trend of Asian populations being more heavily concentrated in larger urban centers across Minnesota, such as Minneapolis.

For detailed information, visit the U.S. Census Bureau Data.

Native American

The Native American population in Ham Lake is approximately 0.2%, representing a small but important part of the community. This percentage is consistent with many suburban and rural areas in Minnesota, where Native American populations are often smaller compared to urban centers.

For more detailed demographics, refer to the U.S. Census Bureau Data.

Native Hawaiian or Pacific Islander

There is a very small population of Native Hawaiian or Pacific Islander residents in Ham Lake, comprising less than 0.1% of the total population. This group remains one of the smallest racial/ethnic populations in the area, similar to trends seen in most non-coastal U.S. communities.

For additional census data, visit the U.S. Census Bureau Data.

Sources:

• U.S. Census Bureau Data

Ham Lake, Minnesota Population by Age and Gender

The total population of Ham Lake, Minnesota is approximately 19,000 people, according to the most recent U.S. Census data in 2020. This small but growing city offers a suburban lifestyle with a balance of natural beauty and access to nearby urban centers. Below is a breakdown of the population demographics by gender, age, and other key factors.

Total Population by Gender

The gender distribution in Ham Lake is relatively balanced. As of the latest data, approximately 49.7% of the population is male, and 50.3% is female. This gender ratio is typical for most small suburban cities in the U.S., with a slight female majority.

For more details, refer to the U.S. Census Bureau Data.

Age Distribution

Ham Lake’s age distribution is spread across all age groups, with a noticeable concentration in middle-aged adults and families. The largest group is between the ages of 35 and 54, comprising roughly 27% of the population. Children and teenagers (ages 0 to 19) make up approximately 25% of the population, while older adults, 55 and over, make up around 30%. The senior population (65 and older) is estimated to be about 13% of the total population.

For more information on age distribution, see the U.S. Census Bureau Data.

Median Age

The median age of residents in Ham Lake is approximately 39.5 years, which is slightly older than the state median of 38 years. This reflects the area’s appeal to families and older adults who prefer suburban living.

For more details, check out the U.S. Census Bureau Data.

Dependency Ratios

The dependency ratio in Ham Lake reflects a community with a good balance of working-age residents and dependents. The total dependency ratio, which compares the working-age population (ages 18-64) to dependents (children under 18 and seniors over 65), is approximately 55%. This is relatively moderate, indicating a healthy working-age population supporting both the younger and older populations.

For more detailed demographic data, visit the U.S. Census Bureau Data.

Life Expectancy by Gender

Life expectancy in Ham Lake aligns closely with the state and national averages. For females, life expectancy is around 81 years, while for males, it is about 76 years. These figures are slightly above the national averages, indicating the relatively high quality of life in the area.

For further information, refer to Minnesota Department of Health.

Sex Ratio

The sex ratio in Ham Lake is approximately 98.5 males for every 100 females. This is close to the national average and suggests a typical distribution of male and female residents across age groups.

For more detailed data, visit U.S. Census Bureau Data.

Population Growth Rates

Ham Lake has experienced moderate population growth in recent years. From 2010 to 2020, the population grew by approximately 13%, reflecting the area’s continued appeal to suburban families looking for a quieter lifestyle with access to nearby urban amenities. This growth is expected to continue as more people seek out suburban communities in the Minneapolis-St. Paul metropolitan area.

For more information on population growth trends, visit U.S. Census Bureau Data.

Fertility Rates

The fertility rate in Ham Lake is consistent with national averages for suburban communities. The average number of children born per woman is approximately 2.1, which is considered the replacement level for population sustainability.

For more details, visit the U.S. Census Bureau Data.

Marital Status by Age and Gender

In Ham Lake, around 60% of adults over the age of 18 are married, which is higher than the national average. The percentage of married individuals is highest among those aged 35 to 54, with approximately 70% of people in this age group being married. The community also has a significant percentage of households that are divorced or widowed, reflecting the typical pattern of marital statuses in suburban areas.

For further demographic insights, visit the U.S. Census Bureau Data.

Educational Attainment by Age and Gender

In Ham Lake, approximately 95% of adults have completed high school, and around 40% hold a bachelor’s degree or higher. The percentage of individuals with a college degree is higher among females (42%) than males (38%). This indicates a community with a relatively high level of educational attainment, with a focus on higher education and career development.

For more information on educational attainment, visit the U.S. Census Bureau Data.

Sources:

• U.S. Census Bureau Data
• Minnesota Department of Health – Mortality Data

Ham Lake, Minnesota Zip Codes

Ham Lake, Minnesota, primarily has the following ZIP codes:

• 55304

This ZIP code covers the majority of the Ham Lake, Minnesota area.

What is the history of Ham Lake, Minnesota?

Ham Lake, Minnesota, has a rich history that dates back to the early 19th century, when it was first explored and settled by European immigrants. The area was initially part of a larger land parcel settled by the Dakota Native American tribes. These Indigenous peoples lived in the region for centuries before the arrival of European settlers. The land was part of a larger tract purchased from Native Americans in the 1837 Treaty of St. Peters, which led to the establishment of various settlements throughout what would become the state of Minnesota.

The first European settlers arrived in what would become Ham Lake in the late 1850s, drawn to the area’s fertile land and its proximity to the Mississippi River. Initially, settlers used the land primarily for farming, as the area had rich soil conducive to agriculture. During this period, the surrounding areas of Ham Lake were sparsely populated, with the land primarily used for agricultural purposes and hunting. The town itself was not officially founded until several decades later.

Ham Lake was named after its large, picturesque lake, which, according to local legend, was originally referred to as “Hams Lake” in honor of a prominent local family or figure. Over time, the name evolved into the simpler “Ham Lake,” and the lake itself became a central part of the town’s identity. The lake and surrounding land played an important role in the development of the early community, serving as a location for fishing, recreation, and transportation during the town’s formative years.

In the 1870s, Ham Lake began to grow more steadily, with its population increasing as the area became more accessible to settlers. The construction of railroads across the state in the late 19th century also played a pivotal role in spurring development. Ham Lake’s location, just north of Minneapolis and St. Paul, made it an attractive option for those looking to escape the hustle and bustle of city life while still being close enough to benefit from the proximity to these growing urban centers.

The area that would eventually become the city of Ham Lake remained a small farming community until the mid-20th century, when suburban development began to take root. The establishment of nearby suburbs and the construction of highways brought more people to the area in search of a quieter, more rural lifestyle. This growth accelerated in the 1970s and 1980s, as more families moved into the area, attracted by its natural beauty, the affordability of land, and the peaceful, family-oriented atmosphere that Ham Lake offered.

In 1974, the town of Ham Lake officially incorporated as a city, reflecting its growing population and the increasing desire for local governance. Over the next few decades, the city continued to expand, with more suburban-style development, including housing, schools, and businesses. The population grew steadily, and by the early 2000s, Ham Lake was no longer just a quiet farming community but a thriving suburban city within the larger Minneapolis-St. Paul metropolitan area.

Today, Ham Lake maintains its small-town charm while benefiting from its close proximity to the Twin Cities. The city is known for its beautiful lakes, parks, and recreational opportunities, as well as its strong sense of community and commitment to preserving the natural environment. Despite the growth and modernization of the area, the city has managed to retain many elements of its historical roots, including its rural atmosphere and its ties to early farming communities.

Sources:

• History of Ham Lake – City of Ham Lake
• Minnesota Historical Society

Ham Lake, Minnesota Weather

Average Temperature (by Month)

The climate in Ham Lake, Minnesota, follows a typical Midwest seasonal pattern, with cold winters and warm, humid summers. The average temperatures throughout the year vary significantly, with the following monthly averages:

• January: 12°F (-11°C)
• February: 15°F (-9°C)
• March: 27°F (-3°C)
• April: 41°F (5°C)
• May: 56°F (13°C)
• June: 69°F (21°C)
• July: 74°F (23°C)
• August: 72°F (22°C)
• September: 60°F (16°C)
• October: 47°F (8°C)
• November: 29°F (-2°C)
• December: 15°F (-9°C)

These temperatures are in line with the typical weather patterns of the state of Minnesota, which experiences colder winters and moderately warm summers.

For more temperature details, visit the US Climate Data for Ham Lake.

Precipitation (Rain) Patterns

Ham Lake experiences moderate precipitation throughout the year, with the wettest months being from April to August. The city sees an annual average of about 30 inches (762 mm) of rainfall. Here’s the average monthly rainfall:

• January: 0.6 inches (15 mm)
• February: 0.5 inches (13 mm)
• March: 1.1 inches (28 mm)
• April: 2.2 inches (56 mm)
• May: 3.2 inches (81 mm)
• June: 4.0 inches (102 mm)
• July: 4.3 inches (109 mm)
• August: 3.9 inches (99 mm)
• September: 3.0 inches (76 mm)
• October: 2.1 inches (53 mm)
• November: 1.4 inches (36 mm)
• December: 0.8 inches (20 mm)

This level of precipitation is typical for Minnesota, especially during the summer months, which contribute the majority of the rainfall.

For more rainfall data, check the US Climate Data for Ham Lake.

Extreme Weather Events

Ham Lake, Minnesota, occasionally experiences extreme weather events such as thunderstorms, tornadoes, and heavy snowstorms. The area is prone to thunderstorms during the summer months, with severe weather including heavy rainfall, strong winds, and hail. The peak of tornado season in Minnesota occurs from May to July, and while tornadoes are relatively rare, they can occasionally occur in the region. In the winter, blizzards and heavy snowstorms are possible, with the city seeing an average of 50 inches (127 cm) of snowfall annually.

For more details on Minnesota’s weather extremes, visit the National Weather Service.

Humidity Levels

Ham Lake experiences fairly high humidity levels, especially during the summer months. The average humidity is around 75% in the summer, which contributes to the warm and humid feel of the weather. During the winter, the humidity drops to around 60%, as colder air holds less moisture. The overall humidity level in Ham Lake is typical of the Midwest, where moisture from the Great Lakes and the surrounding areas influences the climate.

For further humidity data, visit US Climate Data for Ham Lake.

Sunlight

Ham Lake enjoys a typical amount of sunshine for Minnesota, with an average of 200 sunny days per year. The sunniest months are June, July, and August, where residents can expect around 9 to 10 hours of sunlight per day. In contrast, the winter months of December and January see much shorter days, with only about 8 hours of daylight. This seasonal variation in sunlight is common in the northern U.S., with longer days during the summer and shorter days in winter.

For more sunlight data, check the US Climate Data for Ham Lake.

Wind Patterns

The wind patterns in Ham Lake are typical for Minnesota, with winds being generally moderate throughout the year. Average wind speeds are around 10 to 15 miles per hour (16-24 km/h). Winds are most common during the spring and fall months, as weather fronts move through the region. Winter winds can also be quite cold, contributing to the overall chill during colder months. Strong gusts are more likely during severe weather events like thunderstorms and tornadoes.

For more information on local wind patterns, visit the National Weather Service.

Sources:

• US Climate Data for Ham Lake
• National Weather Service – Severe Weather
• National Weather Service – Wind Patterns

Average Income in Ham Lake, Minnesota

Average Annual Salary

The average annual salary in Ham Lake, Minnesota, is approximately $55,000. This figure reflects the overall earnings of residents in the area and is influenced by the local economy, which includes a mix of service, manufacturing, and retail sectors. This salary is slightly higher than the national average, but lower than the state average for Minnesota, which is around $60,000 per year.

For more details, refer to the ZipRecruiter Salary Data for Ham Lake.

Average Hourly Wage

The average hourly wage in Ham Lake is approximately $25.50 per hour. This is based on full-time positions across various industries, with manufacturing, retail, and healthcare jobs being some of the most common. This hourly rate is slightly above the national average, which is typically closer to $20 per hour.

For more detailed wage information, see the Bureau of Labor Statistics for Minnesota.

Most Popular Jobs/Careers

In Ham Lake, the most popular jobs are in sectors such as retail, manufacturing, healthcare, and construction. Common roles include retail salespersons, customer service representatives, nurses, and industrial production workers. These roles are typical of the suburban areas surrounding the Minneapolis-St. Paul metropolitan area, where jobs in service industries tend to dominate the local economy.

For detailed job data in the region, visit Bureau of Labor Statistics for Minnesota.

Highest Paid Jobs Popular to the Area

While Ham Lake’s economy is centered around industries like retail and healthcare, higher-paying jobs can be found in sectors such as manufacturing management, construction management, and business administration. The median salary for these roles often exceeds $70,000 per year, with management roles in local industries reaching salaries upwards of $90,000 annually. These higher-paying positions are typically found in leadership or technical roles within the manufacturing, healthcare, and construction sectors.

For more information on high-paying roles in the area, refer to ZipRecruiter Salary Data for Ham Lake.

Income Comparison: Ham Lake vs. Minnesota vs. United States

When comparing Ham Lake’s income data to both the state of Minnesota and the broader U.S. average, we see that the average income in Ham Lake is slightly below the Minnesota state average. The state of Minnesota has an average annual salary of approximately $60,000, while the national average is closer to $53,000. While Ham Lake’s average salary is slightly lower than the state’s, it still exceeds the national average.

For comparison data, visit the Bureau of Labor Statistics for Minnesota and the Bureau of Labor Statistics for the United States.

Sources:

• ZipRecruiter Salary Data for Ham Lake
• Bureau of Labor Statistics for Minnesota
• Bureau of Labor Statistics for the United States

Taxes in Ham Lake, Minnesota

Property Taxes

Property taxes in Ham Lake, Minnesota, are calculated based on the assessed value of the property. The average effective property tax rate in Ham Lake is approximately 1.15%, which is slightly above the state average of 1.10%. For example, a home valued at $250,000 would incur an annual property tax of around $2,875. This tax is collected by Anoka County, which oversees property tax assessments and collections in the area.

For more information on property taxes in Ham Lake, visit the Anoka County Property Tax Information.

Sales Taxes

The sales tax rate in Ham Lake is 7.525%, which includes both the state of Minnesota sales tax rate of 6.875% and a local sales tax of 0.75% for Anoka County. This rate is in line with the average sales tax rate for most areas in Minnesota, which ranges from 7.375% to 7.875%, depending on the county. Sales taxes are applied to most goods and services, with some exemptions such as certain food items and prescription medications.

For more details on sales tax rates in Minnesota, refer to the Minnesota Department of Revenue.

Income Taxes

Minnesota has a progressive state income tax, and residents of Ham Lake are subject to the state’s tax rates. As of the most recent year, the Minnesota state income tax ranges from 5.35% to 9.85% based on income brackets. The following are the current income tax brackets for Minnesota:

• 5.35% for income up to $27,230
• 7.05% for income between $27,231 and $89,440
• 7.85% for income between $89,441 and $166,040
• 9.85% for income over $166,041

For more details, visit the Minnesota Department of Revenue – Individual Income Tax Rates.

Utility Taxes

Ham Lake residents pay a standard utility tax for services like electricity, natural gas, and water. Minnesota does not have a state utility tax, but utility companies charge various fees for services. Additionally, cities may levy local taxes or fees to cover infrastructure and service costs. However, in Ham Lake, utility taxes or fees for basic services like water and electricity are generally minimal and fall under local rates as part of the overall cost of living.

For more specific utility charges in Ham Lake, refer to the Ham Lake Utility Billing Information.

Hotel Occupancy Tax

Ham Lake does not currently impose a hotel occupancy tax, as it is a smaller city with limited commercial hotel options. However, nearby larger cities such as Blaine or Minneapolis may impose a hotel tax of around 10%, which is common in urban areas with significant tourist traffic.

For hotel tax information in Minnesota, visit the Minnesota Department of Revenue – Hotel Occupancy Tax.

Entertainment Taxes

There are no specific entertainment taxes in Ham Lake, Minnesota. However, the state of Minnesota does impose sales tax on certain types of entertainment-related activities, such as movie theater tickets, amusement parks, and concerts. The state’s 6.875% sales tax applies to these services, with some exemptions for non-profit events and other qualifying activities.

For more on Minnesota’s sales tax on entertainment, visit the Minnesota Department of Revenue – Sales and Use Tax.

Tax Payment Schedule

Property taxes in Ham Lake are paid on a semi-annual basis, with due dates typically falling in May and October. Residents can pay their property taxes online, by mail, or in person at the Anoka County Government Center. The Anoka County Treasurer’s Office handles the property tax collections, and payments must be made by the due dates to avoid penalties.

For more information on payment schedules, refer to the Anoka County Property Tax Payment Information.

Penalties for Late Payment

If property taxes in Ham Lake are not paid by the due dates in May or October, penalties and interest are added. The penalty is generally 1% per month on the unpaid balance, beginning the first day after the due date. This rate is consistent with most areas in Minnesota, where property tax delinquencies are handled by the county treasurer.

For details on late payment penalties, visit the Anoka County Property Tax Information.

Where to Pay

Property taxes in Ham Lake are paid to the Anoka County Treasurer’s Office. Payments can be made online, by mail, or in person at the Anoka County Government Center in Anoka, Minnesota. Residents can access their account information and make online payments through the county’s website.

For more information on where to pay taxes, refer to the Anoka County Property Tax Payment Information.

Contact Information

If you have specific questions regarding taxes in Ham Lake, you can contact the Anoka County Treasurer’s Office for assistance. They can provide information about tax rates, payments, and deadlines.

For contact details, visit the Anoka County Treasurer’s Office.

Sources:

• Anoka County Property Tax Information
• Minnesota Department of Revenue – Sales and Use Tax
• Minnesota Department of Revenue – Individual Income Tax Rates
• Minnesota Department of Revenue – Hotel Occupancy Tax

Is Ham Lake, Minnesota a Good Place to Live for Singles?

Events and Activities

Ham Lake, Minnesota, offers a variety of events and activities for singles, though it is a more suburban, quieter location compared to larger cities. Community events are organized throughout the year, including local farmers markets, community picnics, and holiday celebrations. The city’s parks and lakes provide plenty of outdoor recreational activities, such as hiking, fishing, and biking, which can be ideal for meeting new people. Additionally, the nearby Twin Cities (Minneapolis and St. Paul) offer a wealth of entertainment options, including concerts, cultural events, bars, and restaurants, all just a short drive away.

For more information on local events, visit the Ham Lake Community Events page.

Gyms

For singles interested in maintaining an active lifestyle, Ham Lake has a few gyms and fitness centers nearby. The fitness centers in the area offer a variety of workout options, including group fitness classes, strength training, and cardio. Many gyms also have social events and fitness challenges that can be a great way to meet people.

To explore gyms in Ham Lake, check out a Yahoo Search for Gyms in Ham Lake.

Housing

The housing situation in Ham Lake is fairly accessible, with both single-family homes and rental properties available. The rental market is more limited compared to larger urban centers, but there are still apartments and smaller rental homes available in the area. Rent prices for a one-bedroom apartment typically range from $1,100 to $1,500 per month. This makes Ham Lake more affordable than the surrounding metropolitan areas, but it may not offer as many options for singles compared to urban neighborhoods. The area’s quiet, family-oriented environment may be appealing for those looking for a peaceful place to live, with the added benefit of being close to the city’s amenities.

For more information on rental properties in Ham Lake, visit Zillow – Ham Lake Rentals.

Percentage of Single Residents

According to the most recent U.S. Census data, about 30% of the population in Ham Lake is unmarried. This includes both singles who are not married as well as those who are divorced, widowed, or in non-marital partnerships. This percentage is slightly lower than the Minnesota state average, where approximately 33% of adults are unmarried. The proportion of singles in Ham Lake may suggest that the area is slightly more family-oriented, but it still offers opportunities for singles to engage in community activities and social gatherings.

For more details on the demographics of Ham Lake, visit the U.S. Census Bureau – Ham Lake.

Compare the Single Statistics

When comparing the percentage of singles in Ham Lake with the state of Minnesota and the U.S. as a whole, we find that Ham Lake’s single population is slightly below the state and national averages. Minnesota’s single population is about 33%, while the national average is around 35%. Despite being slightly lower, Ham Lake provides a range of opportunities for singles to socialize, participate in events, and enjoy outdoor activities in a peaceful suburban environment.

Sources:

• Ham Lake Community Events
• Yahoo Search for Gyms in Ham Lake
• Zillow – Ham Lake Rentals
• U.S. Census Bureau – Ham Lake

Is Ham Lake, Minnesota Good for Families?

Ham Lake, Minnesota, is a great place for families, offering a balance of safety, outdoor recreation, and affordability. With a low crime rate and family-friendly environment, it provides a peaceful living atmosphere while being just a short drive from the larger Minneapolis-St. Paul metropolitan area. The weather offers beautiful seasons, from snowy winters to pleasant summers, ideal for outdoor activities. Housing costs are affordable compared to urban areas, with plenty of single-family homes available for purchase. Employment opportunities in nearby areas, along with good schools, make it a solid choice for families looking for both suburban tranquility and access to urban amenities.

Parks and Family Activities

Ham Lake boasts several parks and recreational areas that are perfect for family outings. The city’s park system includes both small neighborhood parks and larger natural areas with trails, picnic spots, and playgrounds. For example, the Ham Lake Nature Reserve offers families a beautiful space to enjoy nature walks and wildlife viewing. The nearby lakes also provide opportunities for fishing, boating, and outdoor exploration. Additionally, the city hosts a variety of community events throughout the year, such as summer festivals, holiday parades, and sports leagues for kids. These events contribute to a strong sense of community for families.

For more information on local events, check out the Ham Lake Community Events.

Restaurants

Ham Lake offers a range of dining options for families. Whether you’re looking for a casual meal or a special night out, you’ll find plenty of variety in the area. For Italian cuisine, check out local options like Italian restaurants in Ham Lake. If you’re in the mood for Mexican, explore choices like Mexican restaurants in Ham Lake. BBQ lovers can find great options by searching BBQ restaurants in Ham Lake. For American food, there are several places to choose from, such as American restaurants in Ham Lake.

Housing

The housing market in Ham Lake is family-friendly, with many spacious single-family homes available for purchase. The area offers larger lots, which is appealing for families looking for more space. Homes in Ham Lake tend to be more affordable compared to nearby urban areas, making it an attractive place for families to settle. The price range for homes typically starts around $300,000 and can go higher depending on the size and location. This makes it a great option for those seeking a suburban lifestyle with access to both tranquility and amenities.

For more information on homes for sale in Ham Lake, visit Zillow – Homes for Sale in Ham Lake.

Percentage of Family Residents

Ham Lake has a high percentage of married residents, with approximately 60% of households consisting of married couples. This is above the state and national averages, indicating that Ham Lake is indeed a family-oriented community. The proportion of families in Ham Lake highlights the area’s appeal to those seeking a stable and family-focused environment, with many local amenities that cater to children and parents alike.

For more demographic information, visit the U.S. Census Bureau – Ham Lake.

Compare the Married Statistics

When comparing the percentage of married residents in Ham Lake to the state of Minnesota and the U.S. as a whole, Ham Lake has a higher proportion of married couples. In Minnesota, approximately 55% of adults are married, while the national average is around 50%. This makes Ham Lake more favorable for those looking to live in a community with a strong family and married presence.

For further comparison, check the U.S. Census Bureau – Minnesota page.

Sources:

• Ham Lake Community Events
• Zillow – Homes for Sale in Ham Lake
• U.S. Census Bureau – Ham Lake
• U.S. Census Bureau – Minnesota

How are the schools in Ham Lake, Minnesota?

Ham Lake, Minnesota, is served by the Anoka-Hennepin School District, which is the largest school district in Minnesota. The district provides a wide range of educational opportunities, including high-quality programs for early childhood through high school. Public funding for schools in Ham Lake is largely derived from property taxes, with the average funding per student in Anoka-Hennepin being approximately $13,000. The district consistently scores above the state average in both standardized test results and overall student performance. Additionally, Ham Lake’s schools offer a variety of extracurricular activities, including sports, music, and clubs, which are integral parts of the student experience. Below is a breakdown of schools in Ham Lake, from early childhood programs to high school education, to help you understand the educational landscape for your children.

Pre-K Schools

Ham Lake has access to several pre-kindergarten programs through the Anoka-Hennepin School District. These programs are designed to provide a strong foundation for young learners, focusing on developing social, cognitive, and motor skills. Pre-K programs in the district are available in multiple schools, with an emphasis on preparing children for kindergarten through engaging activities and early literacy development. The district’s preschool programs are generally well-regarded for their quality and accessibility, though space can be limited due to high demand. For more details on pre-kindergarten programs, visit the Anoka-Hennepin School District Preschool Information.

Kindergarten Schools

Kindergarten education in Ham Lake is offered through the Anoka-Hennepin School District’s elementary schools. The district’s schools maintain a strong emphasis on literacy, math, and social-emotional learning in the early grades. Ham Lake Elementary School is one of the primary schools serving the community, offering a comprehensive kindergarten program designed to prepare children for later academic success. The student-teacher ratio in kindergarten classes tends to be favorable, with an average of 20 students per class. For more information about the kindergarten program, check the Anoka-Hennepin Kindergarten Program.

Elementary Schools

In addition to Ham Lake Elementary, several other elementary schools serve the community. These schools focus on providing a well-rounded education, with subjects including language arts, math, science, and social studies, as well as art, music, and physical education. Anoka-Hennepin schools tend to rank well in terms of academic performance, with elementary schools consistently scoring above state averages in standardized tests. Ham Lake Elementary School, in particular, is known for its community-oriented environment and its strong emphasis on parent involvement in the educational process. For more information on local elementary schools, visit Anoka-Hennepin Elementary School Information.

Middle Schools

For students transitioning from elementary school to high school, there are several middle schools in the Anoka-Hennepin district that provide a well-rounded curriculum with an emphasis on both academics and personal development. The closest middle schools to Ham Lake include Roosevelt Middle School and Oak View Middle School. These schools offer a range of subjects, including advanced math, science, and technology programs, as well as electives in arts and physical education. The district also provides specialized programs for students needing additional support, as well as honors courses for advanced learners. For more details, visit the Anoka-Hennepin Middle School Information.

High Schools

High school education in Ham Lake is provided by Blaine High School, which serves students from Ham Lake and surrounding areas. Blaine High School offers a comprehensive curriculum, including a variety of AP (Advanced Placement) courses, career and technical education programs, and extracurricular activities. The school also has strong athletic programs and arts opportunities, including music, theater, and visual arts. Blaine High School has a high graduation rate and is known for its academic rigor and college readiness programs. For more information, visit the Blaine High School Website.

Colleges & Universities

While there are no colleges or universities located directly in Ham Lake, the Minneapolis-St. Paul metropolitan area offers a wealth of higher education institutions just a short drive away. These include the University of Minnesota, Minnesota State University, and several private institutions such as Concordia University and Augsburg College. These universities provide a variety of programs, from undergraduate degrees to graduate and professional studies. For more information about colleges and universities in the area, you can visit the Minnesota State Colleges & Universities page.

Churches in Ham Lake, Minnesota

• Ham Lake Assembly of God
• Church of St. Paul
• The Crossing Church
• Bethel Church

Conclusion: Why you should consider moving to Ham Lake, Minnesota

Ham Lake, Minnesota, offers a perfect balance of quiet suburban living with easy access to the vibrant Twin Cities. Its low crime rate, excellent schools, and abundance of parks and recreational activities make it an ideal place for families, singles, and retirees alike. The affordable housing market and beautiful natural surroundings create a welcoming environment, while the community’s strong sense of connection and support adds to the appeal. Whether you’re looking for a peaceful place to raise a family, a comfortable home to retire in, or a location with plenty of outdoor activities, Ham Lake provides it all. With its combination of safety, convenience, and natural beauty, Ham Lake is a place you can truly call home. Make the move, and experience the charm of this growing, friendly community for yourself!