Photo: 123dieinafire · Public domain203 homes sold in Ham Lake in the last year, at a typical $533K
Almost every sale is a house. Below: what each kind of home sells for, what your budget buys, the best months to buy, how hard you’ll have to bid, and a shortcut to every site where Ham Lake homes are listed.
Every place Ham Lake homes are listed, in one stop
We don’t copy listings: the agents’ sites have the photos and the latest price changes. Set what you want once and we open each site already filtered to Ham Lake.
For sale
Rent
New, land & open houses
Links open the listing sites; TownRatings isn’t paid for them and doesn’t rank one above another. Rentals and government-owned homes come from sources outside the MLS.
Houses are 95% of Ham Lake’s sales, at a typical $543K
203 homes sold in the year to May 2026.
typical sale · 193 sold in 12 months
- Per square foot
- $208MN $191
- Days to sell
- 37
- Sold over asking
- 31%
- Listings with a price cut
- 26%
Townhouses: 10 sold, typical $489K
Too few sales in 12 months for reliable figures.
About as many homes sell as usual, at 1.7 times the 2016 price
203 sales in the last year, against 236 in 2017 and a low of 144 in 2024. The typical sale went from $313K in 2016 to $533K.
Source: Redfin Data Center, MLS sales. Typical price and $/sq ft are the monthly medians, weighted by sales.
What $550K buys in Ham Lake
Check a listing against what Ham Lake homes sold for
Against the town’s median price per square foot over the last 12 months. A rough check: condition, lot and location within town move a price more than this can see.
Bidding wars in Ham Lake are back to pre-pandemic levels, with about as many homes for sale
We read every month of Ham Lake’s home sales since 2012 so you don’t have to. Each figure covers 12 months, because a single month in a town is too few sales to mean much. Latest: the year to May 2026, 203 sales.
If you’re buying in Ham Lake
- Shop in July. It brings about 25 new listings a month, close to the busiest month, with fewer bidding wars (35% over asking).
- You can negotiate. 27% of listings have cut their price, against 23% before the pandemic.
- Bid near asking. Buyers paid 98.4% of the list price on average; 30% paid over.
- You’ll usually have time. Only 42% of homes go under contract within two weeks; the typical one takes 37 days.
Spring brings the homes; summer brings the bidding wars
May has the most new listings (about 29 a month), but June is the most competitive: 43% of June sales close over asking. July offers nearly as much choice with fewer homes bid up (35%). September has the least competition (27%).
Averages for each calendar month, 2015 on.
Calmer than the 2021 frenzy, and about like Minnesota as a whole
| Ham Lake now | 2017–19 | 2021 peak | MN now | |
|---|---|---|---|---|
| Sold over askingShare of sales that closed above the list price | 30% | 30% | 60% | 33% |
| Gone within two weeksShare of homes under contract within 14 days | 42% | 39% | 56% | 42% |
| Listings with a price cutShare of homes for sale that cut their price | 27% | 23% | 17% | 28% |
| Price paid vs. askingAverage sale price ÷ list price | 98.4% | 99.3% | 102.4% | 99.2% |
| Days to sellMedian days from listing to contract | 37 | 47 | 22 | 35 |
48 homes for sale on a typical day
That’s twice the 2021 low (23), 13% fewer than in 2017–19 and well under 2012’s 95.
1 in 4 listings has cut its price
27% in the last year, against 23% in 2017–19 and 28% across Minnesota.
Ham Lake ranks 95th of 144 busy Minnesota markets for bidding wars
Share of sales over asking in the last year, among towns with 60 or more sales. Ham Lake is in the middle of the pack.
Source: Redfin Data Center, city market tracker, January 2012 to May 2026 (MLS sales, not seasonally adjusted). Ratios are weighted by homes sold; price cuts by homes for sale.
Owning the typical Ham Lake home costs about $3,141 a month
Price: Ham Lake’s typical sale, last 12 months. Property tax at Ham Lake’s 0.8% (median bill ÷ median value, Census ACS); insurance at 0.35% of price a year. Before PMI, HOA dues, upkeep and the tax deduction. Whether Ham Lake is affordable on local pay is on Cost of living.
Six things worth knowing
New listings in May
The month with the most choice. December has the fewest, about 9.
Best time to buyProperty tax, a year
Of a home’s value: the median bill over the median home value. On a $533K home, about $4,310 a year.
Taxes vs. neighborsSchools
The schools grade for Ham Lake, from test results, graduation and how much students grow.
Schools in Ham LakeTypical commute
The average one-way trip to work for people who live in Ham Lake.
Work & commuteCheck the flood map
Flood insurance isn’t in a standard policy, and lenders require it in FEMA flood zones. Check the address before you make an offer.
Natural hazardsLook up any property
Assessed value, lot size and every past sale of a home you’re eyeing are public, at the town or county assessor and the registry of deeds.
Blaine, Andover and Coon Rapids sell for less a square foot
The busier markets within 25 miles of Ham Lake, by what sold. Prices, taxes and how far a paycheck goes next door are on Cost of living.
| Sold | Typical sale | $/sq ft | Over asking | Days to sell | |
|---|---|---|---|---|---|
| Blaine | 934 | $393K | $193 | 36% | 32 |
| Coon Rapids | 680 | $342K | $191 | 49% | 22 |
| Lino Lakes | 367 | $485K | $205 | 35% | 34 |
| Andover | 335 | $454K | $196 | 39% | 30 |
| Ham Lake | 203 | $533K | $205 | 30% | 37 |
| East Bethel | 165 | $405K | $211 | 41% | 37 |
| Columbus | 27 | $517K | $231 | 30% | 34 |
Redfin Data Center, June 2025 to May 2026. Towns with fewer than 20 sales are left out, and Redfin doesn’t report every town separately.
Post your home to Ham Lake, free
Selling it yourself, renting out an apartment or looking for a roommate? Post it to Ham Lake. People who follow the town see it, and so do people comparing Ham Lake with their own town. No commission, no listing fee.
Questions about buying a home in Ham Lake
What do homes sell for in Ham Lake, MN?
203 homes sold in the year to May 2026 at a typical $533K, $205 a square foot.
Is Ham Lake a buyer’s or seller’s market?
A balanced market: 53 homes were for sale in May 2026 and 13 sold, about 4.1 months of supply. Buyers paid 98.4% of asking on average, and 27% of listings cut their price.
When is the best time to buy in Ham Lake?
May brings the most new listings. The sales history shows which months have fewer bidding wars.
How much are property taxes in Ham Lake?
About 0.8% of a home’s value a year. On a $533K home that’s near $4,310.
Where can I see homes for sale in Ham Lake?
Zillow, Redfin, Realtor.com and Homes.com all carry Ham Lake’s MLS listings; the search links above open each one filtered to Ham Lake.
Sales, prices, days on market and listings: Redfin Data Center (MLS, monthly, not seasonally adjusted). Property tax rate: Census American Community Survey. Two-bedroom rent: HUD Fair Market Rent. Typical home value: Zillow Home Value Index. Schools grade: TownRatings (how grades work).