55304 Zip Code Detailed Profile




Cities: Ham Lake, MN (50.01%), Andover, MN (48.69%), Anoka, MN (0.73%), Oak Grove, MN (0.36%), Coon Rapids, MN (0.21%)
County: Anoka County, MN
Estimated zip code population in 2013: 46,526
Zip code population in 2010: 45,967
Zip code population in 2000: 39,049

Houses and condos: 15,760
Renter-occupied apartments: 987
% of renters here:

6%
State:

28%
Mar. 2013 cost of living index in zip code 55304: 113.0 (more than average, U.S. average is 100)

Land area: 69.1 sq. mi.
Water area: 2.3 sq. mi.
Population density: 673 people per square mile 
 
 (low).

Age and Sex of Residents in zip code 55304
Zip code 55304 (Ham Lake, Minnesota) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.1% ($2,746)
Minnesota:

1.2% ($2,148)
Median real estate property taxes paid for housing units with mortgages in 2013: $2,733 (1.1%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $2,802 (1.1%)

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Males: 23,893  (51.4%)
Females: 22,633  (48.6%)

For population 25 years and over in 55304:

For population 15 years and over in 55304:

Zip code 55304 compared to state average:

  • Median household income above state average.
  • Black race population percentage significantly below state average.
  • Foreign-born population percentage below state average.
  • Renting percentage significantly below state average.
  • Number of rooms per house above state average.
  • House age significantly below state average.
  • Races in zip code 55304

  • Zip code 55304 races chart
    • 42,521White population
    • 603Black population
    • 143American Indian population
    • 1,049Asian population
    • 6Native Hawaiian and Other Pacific Islander population
    • 26Some other race population
    • 663Two or more races population
    • 956Hispanic or Latino population

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Urban population: 40,052
Rural population: 6,473

Estimated median house/condo value in 2013: $242,800
55304:

$242,800
Minnesota:

$180,100
Median resident age:
This zip code:

39.1 years
Minnesota median age:

37.7 years
Average household size:
This zip code:

3.0 people
Minnesota:

2.5 people

Averages for the 2012 tax year for zip code 55304, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $79,531 (Individual Income Tax Returns)
Here:

$79,531
State:

$67,192

Salary/wage: $65,975 (reported on 88.6% of returns)
Here:

$65,975
State:

$55,182
(% of AGI for various income ranges: 77.3% for AGIs below $25k, 77.6% for AGIs $25k-50k, 77.6% for AGIs $50k-75k, 80.9% for AGIs $75k-100k, 85.1% for AGIs $100k-200k, 50.6% for AGIs over 200k)

Taxable interest for individuals: $1,649 (reported on 38.4% of returns)
This zip code:

$1,649
Minnesota:

$1,664
(% of AGI for various income ranges: 1.2% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 1.5% for AGIs over 200k)

Ordinary dividends: $3,801 (reported on 25.3% of returns)
Here:

$3,801
State:

$5,665
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 2.4% for AGIs over 200k)

Net capital gain/loss in AGI: +$12,495 (reported on 20.2% of returns)
Here:

+$12,495
State:

+$16,131
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 10.1% for AGIs over 200k)

Profit/loss from business: +$11,319 (reported on 14.9% of returns)
Here:

+$11,319
State:

+$12,430
(% of AGI for various income ranges: 5.8% for AGIs below $25k, 3.1% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 1.8% for AGIs $100k-200k, 1.1% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $16,712 (reported on 10.2% of returns)
55304:

$16,712
Minnesota:

$15,212
(% of AGI for various income ranges: 3.6% for AGIs below $25k, 3.5% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 2.2% for AGIs $100k-200k, 1.0% for AGIs over 200k)

Self-employment retirement plans: $13,685 (reported on 0.6% of returns)
55304:

$13,685
Minnesota:

$17,874
(% of AGI for various income ranges: 0.2% for AGIs $50k-75k, 0.1% for AGIs $100k-200k, 0.1% for AGIs over 200k)

Total itemized deductions: $24,961 (20% of AGI, reported on 51.5% of returns)
Here:

$24,961
State:

$24,665

Here:

19.6% of AGI
State:

19.6% of AGI
(% of AGI for various income ranges: 11.0% for AGIs below $25k, 14.2% for AGIs $25k-50k, 18.2% for AGIs $50k-75k, 18.1% for AGIs $75k-100k, 17.9% for AGIs $100k-200k, 13.3% for AGIs over 200k)

Charity contributions: $3,335 (reported on 45.5% of returns)
Here:

$3,335
State:

$3,948
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.2% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.1% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 1.9% for AGIs over 200k)

Taxes paid: $10,465 (reported on 51.5% of returns)
55304:

$10,465
State:

$10,589
(% of AGI for various income ranges: 2.2% for AGIs below $25k, 3.8% for AGIs $25k-50k, 5.8% for AGIs $50k-75k, 6.4% for AGIs $75k-100k, 7.6% for AGIs $100k-200k, 7.7% for AGIs over 200k)

Earned income credit: $1,851 (reported on 7.7% of returns)
Here:

$1,851
State:

$2,037
(% of AGI for various income ranges: 3.2% for AGIs below $25k, 0.7% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 55304, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $66,763 (Individual Income Tax Returns)
Here:

$66,763
State:

$53,560

Salary/wage: $58,137 (reported on 91.8% of returns)
Here:

$58,137
State:

$46,177
(% of AGI for various income ranges: 123.9% for AGIs below $10k, 79.0% for AGIs $10k-25k, 82.5% for AGIs $25k-50k, 86.4% for AGIs $50k-75k, 88.7% for AGIs $75k-100k, 72.7% for AGIs over 100k)

Taxable interest for individuals: $1,235 (reported on 51.0% of returns)
This zip code:

$1,235
Minnesota:

$1,796
(% of AGI for various income ranges: 3.8% for AGIs below $10k, 1.8% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Taxable dividends: $1,624 (reported on 30.3% of returns)
Here:

$1,624
State:

$3,096
(% of AGI for various income ranges: 2.7% for AGIs below $10k, 1.1% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.9% for AGIs over 100k)

Net capital gain/loss: +$7,518 (reported on 23.4% of returns)
Here:

+$7,518
State:

+$10,864
(% of AGI for various income ranges: -0.3% for AGIs below $10k, 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 4.9% for AGIs over 100k)

Profit/loss from business: +$10,995 (reported on 16.8% of returns)
Here:

+$10,995
State:

+$10,442
(% of AGI for various income ranges: 4.8% for AGIs below $10k, 6.1% for AGIs $10k-25k, 4.4% for AGIs $25k-50k, 3.3% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 2.4% for AGIs over 100k)

IRA payment deduction: $3,090 (reported on 2.5% of returns)
55304:

$3,090
Minnesota:

$2,955
(% of AGI for various income ranges: 0.3% for AGIs below $10k, 0.2% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $10,749 (reported on 1.1% of returns)
Here:

$10,749
Minnesota:

$12,099
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.3% for AGIs over 100k)

Total itemized deductions: $21,394 (22% of AGI, reported on 60.8% of returns)
Here:

$21,394
State:

$20,035

Here:

22.2% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 18.1% for AGIs below $10k, 16.8% for AGIs $10k-25k, 20.8% for AGIs $25k-50k, 22.8% for AGIs $50k-75k, 21.5% for AGIs $75k-100k, 17.4% for AGIs over 100k)

Charity contributions deductions: $2,940 (3% of AGI, reported on 56.6% of returns)
Here:

$2,940
State:

$3,333

Here:

3.0% of AGI
State:

3.4% of AGI
(% of AGI for various income ranges: 0.6% for AGIs below $10k, 1.4% for AGIs $10k-25k, 2.0% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 2.6% for AGIs $75k-100k, 2.7% for AGIs over 100k)

Total tax: $9,648 (reported on 83.0% of returns)
55304:

$9,648
State:

$8,485
(% of AGI for various income ranges: 3.3% for AGIs below $10k, 4.9% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 7.4% for AGIs $50k-75k, 8.6% for AGIs $75k-100k, 16.7% for AGIs over 100k)

Earned income credit: $1,514 (reported on 5.6% of returns)
Here:

$1,514
State:

$1,523

Percentage of individuals using paid preparers for their 2004 taxes: 54.5%
Here:

54%
State:

59%
(% for various income ranges: 36.6% for AGIs below $10k, 49.8% for AGIs $10k-25k, 58.1% for AGIs $25k-50k, 62.0% for AGIs $50k-75k, 57.5% for AGIs $75k-100k, 61.3% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$91,222
Minnesota:

$60,702
Ham Lake, MN (55304) map Nearest zip codes: 55448, 55434, 55433, 55011, 55449, 55316.
Percentage of family households:
This zip code:

71.9%
Minnesota:

50.8%
Percentage of households with unmarried partners:
This zip code:

6.0%
Minnesota:

6.7%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 539
Household did not receive Food Stamps/SNAP in the past 12 months: 14,776


Women who had a birth in the past 12 months: 651 (435 now married, 216 unmarried)
Women who did not have a birth in the past 12 months: 10,812 (6,001 now married, 4,811 unmarried)


Housing units in zip code 55304 with a mortgage: 11,563 (888 second mortgage, 2,505 home equity loan, 203 both second mortgage and home equity loan)
Houses without a mortgage: 2,765

Median monthly owner costs for units with a mortgage: $1,797
Median monthly owner costs for units without a mortgage: S529

Residents with income below the poverty level in 2013:
This zip code:

3.9%
Whole state:

11.2%
Residents with income below 50% of the poverty level in 2013:
This zip code:

2.0%
Whole state:

6.3%
Median number of rooms in houses and condos:
Here:

7.8
State:

7.0
Median number of rooms in apartments:
Here:

5.0
State:

4.0
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 55304: Majestic Oaks Golf Club (A), Woodland Creek Golf Club (B), Golden Tee Country Club (C), Ham Lake Fire Department Station 2 (D), Andover Fire Department Station 3 (E), Ham Lake Fire Department Station 1 (F), Andover Fire Department Station 2 (G), Andover Fire Department Station 1 (H), Ham Lake City Hall (I). Display/hide their locations on the map

    Shopping Centers: Andover Center Shopping Center (1), Crosstown Mall Shopping Center (2). Display/hide their locations on the map

    Churches in zip code 55304 include: Horizons Community Church (A), Fair Oaks Church (B), Saint Patricks Church (C), Ham Lake Church (D), Glen Cary Church (E), Our Saviour Church (F). Display/hide their locations on the map

    Cemeteries: Constance Evangelical Free Church Cemetery (1), Staples Cemetery (2), Soderville Cemetery (3), Our Saviour's Lutheran Church Cemetery (4), Oak Hill Cemetery (5). Display/hide their locations on the map

    Lakes and swamps: Lake Netta (A), South Coon Lake (B), Ward Lake (C), Round Lake (D), Ham Lake (E), Bunker Lake (F). Display/hide their locations on the map

    Creek: Cedar Creek (A). Display/hide its location on the map

    Parks in zip code 55304 include: Coon Creek Park (1), Kelsey Round Lake Park (2), Rum River Park (3). Display/hide their locations on the map

Year house built

  • 912010 or later
  • 3,0902000 to 2009
  • 5,2361990 to 1999
  • 2,5191980 to 1989
  • 2,9581970 to 1979
  • 1,0691960 to 1969
  • 3501950 to 1959
  • 1611940 to 1949
  • 2861939 or earlier

Zip code 55304 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Ham Lake, MN (55304)

  • 7no bedroom
  • 1541 bedroom
  • 1,2622 bedrooms
  • 5,2583 bedrooms
  • 5,7974 bedrooms
  • 1,8505+ bedrooms

Bedrooms in renter-occupied apartments in Ham Lake, MN (55304)

  • 29no bedroom
  • 3101 bedroom
  • 2052 bedrooms
  • 3323 bedrooms
  • 814 bedrooms
  • 305+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Ham Lake, MN (55304) in owner-occupied houses/condos

  • 211no vehicle
  • 1,7281 vehicle
  • 6,5682 vehicles
  • 3,9733 vehicles
  • 1,1834 vehicles
  • 6655+ vehicles

Cars and other vehicles available in Ham Lake, MN (55304) in renter-occupied apartments

  • 151no vehicle
  • 3641 vehicle
  • 2952 vehicles
  • 1123 vehicles
  • 374 vehicles
  • 285+ vehicles

Median gross rent in 2013: $1,079.


Median price asked for vacant for-sale houses and condos in 2013: $159,819.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $242,800
55304:

$242,800
Minnesota:

$180,100
Lower value quartile - upper value quartile: $184,300 - $316,200

Mean price in 2013:

Detached houses: $265,649
Here:

$265,649
State:

$229,257

Townhouses or other attached units: $288,494
Here:

$288,494
State:

$168,477

Mobile homes: $15,702
Here:

$15,702
State:

$45,753

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 6.7%

Percentage of zip code residents living and working in this county: 47.3%

Household type by relationship:

Households: 46,477

Size of family households: 4,908 2-persons, 2,868 3-persons, 3,063 4-persons, 1,530 5-persons, 390 6-persons, 264 7-or-more-persons

Size of nonfamily households: 1,804 1-person, 407 2-persons, 69 3-persons, 8 4-persons, 4 5-persons

10,276 married couples with children.
2,159 single-parent households (954 men, 1,205 women).

93.8% of residents of 55304 zip code speak English at home.
2.3% of residents speak Spanish at home (69% very well, 21% well, 9% not well, 2% not at all).
1.6% of residents speak other Indo-European language at home (80% very well, 13% well, 7% not well).
1.8% of residents speak Asian or Pacific Island language at home (73% very well, 16% well, 11% not well).
0.5% of residents speak other language at home (91% very well, 9% well).

Foreign born population: 1,633 (3.5%)
(58.5% of them are naturalized citizens)
This zip code:

3.5%
Whole state:

7.4%

Most common places of birth for the foreign-born residents

  • 13%Laos
  • 12%Mexico
  • 9%Cameroon
  • 6%India
  • 6%Canada
  • 6%Vietnam
  • 5%Korea

Most common first ancestries reported in 55304 (%)

  • 28%German
  • 11%Norwegian
  • 11%Other groups
  • 8%Swedish
  • 6%Irish
  • 5%Polish
  • 4%American

Year of entry for the foreign-born population

  • 82010 or later
  • 5462000 to 2009
  • 5591990 to 1999
  • 693Before 1990

Zip code 55304 topographic map

Major facilities with environmental interests located in this zip code:


Zip code 55304 marital status for males
Zip code 55304 marital status for females

Housing units lacking complete plumbing facilities: 0.3%
Housing units lacking complete kitchen facilities: 0.7%

Most commonly used house heating fuel

  • 89%Utility gas
  • 6%Electricity
  • 2%Bottled, tank, or LP gas
  • 1%Wood
  • 1%Fuel oil, kerosene, etc.

Population in 1990: 25,122. Population change in the 1990s: +13,927 (+55.4%).

Place of birth for U.S.-born residents:


60% of the 55304 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 51% lived in this county.
   Out of people who lived in different counties, 50% lived in Minnesota.

93% of the 55304 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 49% moved from this county.
   Out of people who lived in different houses, 34% moved from different county within same state.
   Out of people who lived in different houses, 13% moved from different state.
   Out of people who lived in different houses, 4% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 775
Here:

12.7%
Minnesota:

11.3%
Students in private schools in grades 9 to 12 (high school): 280
Here:

7.4%
Minnesota:

8.3%
Students in private undergraduate colleges: 528
Here:

21.3%
Minnesota:

23.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 85,500Computer and mathematical occupations
  • 84,612Architecture and engineering occupations
  • 83,807Management occupations
  • 73,897Health diagnosing and treating practitioners and other technical occupations
  • 69,615Law enforcement workers including supervisors
  • 64,773Legal occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 49 people in group homes intended for adults
  • 8 people in workers' group living quarters and job corps centers

People in group quarters in 2000:

  • 195 people in mental (psychiatric) hospitals or wards
  • 21 people in hospitals or wards for drug/alcohol abuse
  • 15 people in homes for the mentally retarded

Fatal accident statistics in 2010:

  • Fatal accident count: 2
  • Vehicles involved in fatal accidents: 3
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 2
  • Persons involved in fatal accidents: 3
  • Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 10 full and 12 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED442$189,369417$202,7702,508$205,413116$88,9090$070$153,18011$33,827
APPLICATIONS APPROVED, NOT ACCEPTED20$174,72327$188,497213$207,92512$50,5270$06$133,2955$21,720
APPLICATIONS DENIED28$201,97047$186,431715$236,89884$74,5442$1,385,01010$77,64114$58,114
APPLICATIONS WITHDRAWN33$199,17939$186,759539$220,20120$80,0330$010$155,1450$0
FILES CLOSED FOR INCOMPLETENESS5$174,4925$163,772216$188,0995$134,4100$00$00$0
Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 10 full and 12 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED81$218,97061$264,5732$69,990
APPLICATIONS APPROVED, NOT ACCEPTED19$238,69919$280,0332$69,990
APPLICATIONS DENIED11$213,04017$286,1750$0
APPLICATIONS WITHDRAWN5$178,37410$248,0392$158,100
FILES CLOSED FOR INCOMPLETENESS5$239,0942$202,9451$166,930

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 55304 among deceased individuals
NameCountLived (average)
William3074.3 years
John2970.2 years
Mary2577.4 years
Dorothy2282.9 years
James1966.0 years
Robert1769.9 years
Margaret1785.6 years
Richard1769.3 years
Helen1683.8 years
Donald1569.6 years
Most common last names in zip code 55304 among deceased individuals
Last nameCountLived (average)
Johnson3578.0 years
Anderson1982.7 years
Erickson1981.1 years
Olson1470.7 years
Peterson1377.3 years
Larson1079.7 years
Miller1070.7 years
Nelson977.1 years
Hansen866.6 years
Carlson783.8 years
Businesses in zip code 55304
NameCountNameCount
Ace Hardware1H&R Block1
AmericInn1McDonald's2
Burger King1Starbucks1
CVS1Subway3
Caribou Coffee1T-Mobile1
Circle K1Target1
DHL1UPS2
Dairy Queen1Walgreens1
FedEx2YMCA1

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