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%

Harding$1,060/mo

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

Hammond$870/mo

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

HardingHammond

Snow a year48″48″

January low-2°F 4°F

July high80°F 83°F

Growing season (days)141d 148d

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

Community

HardingHammond

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.

HardingMN HammondMN

Harding ↔ Hammond154 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

HardingHammond

People

Population 169Highest 134Lowest

Median age 40.9±21.9Lowest 5% above MN 41.5±14.2Highest 7% 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 29%±22Highest MN: 22.9% 20.1%±13.4Lowest 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+ 14.2%±12.2Highest MN: 17.3% 11.2%±22.5Lowest 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+ 10.5%Lowest MN: 39.4% 11.4%Highest MN: 39.4%

Enrolled in collegeshare of residents 0%±8.4Lowest MN: 5.8% 6%±4.1Highest 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 $50,000±$50kLowest 44% below MN $58,438±$13kHighest 34% 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 $175,000±$62kHighest 47% below MN $146,900±$47kLowest 55% 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 $1,700Highest 49% below MN $1,183Lowest 65% below MN

Renters paying 30%+of income on rent 87.5%±100Highest MN: 48.1% 35.3%±100Lowest 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 35.5%Highest MN: 9.3% 10.4%Lowest MN: 9.3%

Housing

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

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

Getting to work

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

Work from home 19.4%±10.7Highest MN: 17.6% 7.8%±6.1Lowest 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 2.2%Highest 0%Lowest

Typical commute distancemedian, straight-line 19.3 miHighest 14.8 miLowest

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

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

Between these townsresidents who work in the others Few work in HammondFew work in Harding

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 1.6Lowest 118Highest

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.

Harding neighborsTown Square →

Your question goes to Harding’s Town Square.

Hammond neighborsTown Square →

Your question goes to Hammond’s Town Square.

Add a town

Set another town beside Harding and Hammond

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

Bordering Harding

+ Compare

Pulaski Township328 people · $328K homes

Towns like Harding

+ Compare

Federal Dam142 people · $123K homes

+ Compare

Pease217 people · $179K homes

+ Compare

Byron Township169 people · $243K homes

+ Compare

Moose Lake Township197 people · $218K 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.

Harding vs Hammond

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 Harding and Hammond

Bordering Harding

Towns like Harding

Post to Harding

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