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Lake Havasu City city, AZ

ZIP 86404 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86404

Median Home Value
$421,300
Median Rent
$1,106
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,706/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 86404 in Lake Havasu City city, AZ, a household would need roughly $116,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,706. That is about 72% above the local median household income ($67,528), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.4%+26% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
26.6%-47% vs US avg
x
Mortgage-Free
43.4%+14% vs US avg
x
$421,300
Home Value
$1,106
Rent
1997
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.1%
  • 1-unit attached2.4%
  • 2-9 units3.6%
  • 10+ units0.4%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$421,300
Median rent$1,106
Owner-occupied82.4%
Vacant22.7%
Price-to-income6.2x
Est. income to buy$116,000