Cost of Living in Ham Lake, MN
Overall index: 122 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 124 | +24% | $923 |
| Transportation | 98 | -2% | $3.50 |
| Food | 156 | +56% | $640 |
| Utilities | 112 | +12% | $223 |
| Healthcare | 112 | +12% | $161 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Ham Lake?
A single adult living comfortably in Ham Lake, MN needs approximately $42,700 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Ham Lake, MN?
The overall cost of living in Ham Lake, MN is 22% higher than the US national average (index: 122 where 100 = national average).
How much is rent in Ham Lake, MN?
Average rent for a 1-bedroom apartment in Ham Lake, MN is about $923/month.
Is Ham Lake, MN expensive to live in?
Yes, Ham Lake, MN is considered expensive (index above national average).
What salary do I need to live in Ham Lake, MN?
A single adult needs roughly $42,700/year to cover basic living costs in Ham Lake, MN.