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Ham Lake, Minnesota Retirement Guide
established retirement community
33
Retirement Score
Ham Lake, Minnesota at a Glance
- Median Home Price
- $409,600
- State Income Tax
- State income tax; Social Security and retirement income have income-based partial exemptions.
- Avg January Low
- 5.5°F
- Cost of Living Index
- 97.5 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 33 / 100
Retirement Data
Affordability
Cost of Living Index
97.5 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$409,600High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,288High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security and retirement income have income-based partial exemptions.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
42 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · Updated June 2026
Climate
Avg July High
83°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
5.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
36.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
270 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
3.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
16,489High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
42.9High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$112,854High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
95.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
36.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
3.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
91.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
2.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
4.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ham Lake using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$887
Stress-case monthly carrying cost
$997
Median home price used: $409,600
Median rent reference: $1,288 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.