Chisago City, MN vs Ham Lake, MN

Chisago City is moderately more affordable than Ham Lake, with a 8.9% lower cost of living index. Chisago City scores 102 compared to 112 for Ham Lake, where the US average is 100. This difference means residents of Ham Lake can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Chisago City is $1,163/month compared to $1,319/month in Ham Lake — a 12% difference. Home values follow the same pattern: Chisago City is more affordable at $366,600 median vs $430,100.

Median household income in Chisago City is $96,964 compared to $116,845 in Ham Lake (-17%). While Ham Lake is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Chisago City spend roughly 14.4% of their income on rent, more than the 13.5% in Ham Lake.