A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.

Down paymentRate%

Hammond$870/mo

Typical home $147K (Census) · tax rate 0.81% · or rent about $863/mo · Housing →

Harding$1,060/mo

Typical home $175K (Census) · tax rate 0.97% · Housing →

The difference: $190 a month, about $2,300 a year, between Harding and Hammond.

Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.

Life in each

What daily life feels like in each

The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.

Seasons

HammondHarding

Snow a year48″48″

January low4°F -2°F

July high83°F 80°F

Growing season (days)148d 141d

Hazard risk (U.S. pctl)79th 73rd

Community

HammondHarding

Posts this month0 0

Neighbors joined0 0

A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.

Where they are

154 miles apart

Straight-line miles between town centers.

HammondMN HardingMN

Hammond ↔ Harding154 miles apart

Everything, side by side

What matters to you?

Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.

Only big differences vs Minnesota average

HammondHarding

People

Population 134Lowest 169Highest

Median age 41.5±14.2Highest 7% above MN 40.9±21.9Lowest 5% above MN

Hammond and Harding are within the Census margin of error here, so we can’t say which is really higher.

Kids under 18 20.1%±13.4Lowest MN: 22.9% 29%±22Highest MN: 22.9%

Harding and Hammond are within the Census margin of error here, so we can’t say which is really higher.

Age 65+ 11.2%±22.5Lowest MN: 17.3% 14.2%±12.2Highest MN: 17.3%

Harding and Hammond are within the Census margin of error here, so we can’t say which is really higher.

Bachelor’s degree+adults 25+ 11.4%Highest MN: 39.4% 10.5%Lowest MN: 39.4%

Enrolled in collegeshare of residents 6%±4.1Highest MN: 5.8% 0%±8.4Lowest MN: 5.8%

Hammond and Harding are within the Census margin of error here, so we can’t say which is really higher.

Cost of living

Household incomemedian $58,438±$13kHighest 34% below MN $50,000±$50kLowest 44% below MN

Hammond and Harding are within the Census margin of error here, so we can’t say which is really higher.

Home valuemedian, owner-occupied $146,900±$47kLowest 55% below MN $175,000±$62kHighest 47% below MN

Harding and Hammond are within the Census margin of error here, so we can’t say which is really higher.

Rentmedian gross, monthly $863±$108 33% below MN —

Property taxmedian, yearly $1,183Lowest 65% below MN $1,700Highest 49% below MN

Renters paying 30%+of income on rent 35.3%±100Lowest MN: 48.1% 87.5%±100Highest MN: 48.1%

Harding and Hammond are within the Census margin of error here, so we can’t say which is really higher.

Below poverty line 10.4%Lowest MN: 9.3% 35.5%Highest MN: 9.3%

Housing

Homeownersof occupied homes 71.6%Lowest MN: 72.2% 74.1%Highest MN: 72.2%

Typical home builtmedian year 1938Lowest 41 yrs older than MN 1961Highest 18 yrs older than MN

Getting to work

Average commuteone way 25 minLowest 9% above MN 30 minHighest 32% above MN

Work from home 7.8%±6.1Lowest MN: 17.6% 19.4%±10.7Highest MN: 17.6%

Harding and Hammond are within the Census margin of error here, so we can’t say which is really higher.

Work in townworking residents 0%Lowest 2.2%Highest

Typical commute distancemedian, straight-line 14.8 miLowest 19.3 miHighest

Jobs per working residentover 1.5 = a job hub 0.09Lowest 0.24Highest

Top workplaceoutside town Rochester (43%)Pierz (13%)

Between these townsresidents who work in the others Few work in HardingFew work in Hammond

Outdoors

Conserved landshare of the town 0% 0%

Trailsmapped miles 0.0 mi 0.0 mi

Trail densitymiles per sq mi 0.0 mi 0.0 mi

Parks & preservesnamed on the map 0 0

Street connectivityintersections per sq mi, a walkability measure 118Highest 1.6Lowest

Minnesota average“±” Census margin of errorACS 2020–2024

Deciding?

Ask the people who live there

The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.

Hammond neighborsTown Square →

Your question goes to Hammond’s Town Square.

Harding neighborsTown Square →

Your question goes to Harding’s Town Square.

Add a town

Set another town beside Hammond and Harding

One tap adds it. Up to 4 towns at once.

Bordering Hammond

+ Compare

Zumbro Township534 people · $447K homes

+ Compare

Hyde Park Township309 people · $390K homes

Towns like Hammond

+ Compare

Dovray Township124 people · $175K homes

+ Compare

Federal Dam142 people · $123K homes

+ Compare

Brooks133 people · $97K homes

+ Compare

Pease217 people · $179K homes

Not sure which town to add? Find your place ranks Minnesota towns on what matters to you.Find your place →

Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.

Hammond vs Harding

Two towns, two different strengths

Where they differ most

A typical home costs $190 more a month in Harding

What daily life feels like in each

154 miles apart

What matters to you?

Ask the people who live there

Set another town beside Hammond and Harding

Bordering Hammond

Towns like Hammond

Post to Hammond

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