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City · 58,359 residents · Mohave County, Arizona

Lake Havasu City , Arizona

In Lake Havasu City, a typical home is worth $455,400 and typical rent is $1,320 a month. Compared with all of Mohave County, the typical home value is 62% higher and typical household income is 22% higher.

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  • Typical home value

    $455,400

    62% above the county

    15% above Arizona

    • Lake Havasu City
    • Mohave
    • Arizona

  • Typical rent

    $1,320a month

    21% above the county

    14% below Arizona

    • Lake Havasu City
    • Mohave
    • Arizona

  • Typical household income

    $70,148a year

    22% above the county

    12% below Arizona

    • Lake Havasu City
    • Mohave
    • Arizona

  • Households that own their home

    73%

    1 points below the county

    6 points above Arizona

    • Lake Havasu City
    • Mohave
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$459,245
0.8% more than 12 months ago
Typical rent
$1,704 a month
3.2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lake Havasu City is in Mohave County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Mohave County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake Havasu City apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in New Kingman-Butler, the typical home value is $118,900: 74% less than in Lake Havasu City ($455,400).

  2. The typical home in Lake Havasu City is worth $455,400, 62% more than in Mohave County as a whole ($281,000).

  3. Nearby, in Fort Mohave, the typical rent is $1,010: 23% less than in Lake Havasu City ($1,320).

  4. The typical household income in Lake Havasu City is $70,148, 22% more than in Mohave County as a whole ($57,684).

  5. The typical rent in Lake Havasu City is $1,320 a month, 21% more than in Mohave County as a whole ($1,091).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lake Havasu City

What homes there are in Lake Havasu City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Lake Havasu City: 76% of homes, more than in Mohave County (62%).

Year built

By age, homes in Lake Havasu City look like those in Mohave County: the typical year built is 1995.

There is more room for a big family here: 69% of homes have 3 bedrooms or more, against 63% in Mohave County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Mohave County is $541,287: about 64% of owner-occupied homes in Lake Havasu City are worth less, and the rest more.

Monthly rent with utilities

With a mortgage

$1,627 a month

Mohave County: $1,408 a month

Without a mortgage

$469 a month

Mohave County: $401 a month

Owners with a mortgage

57%

Mohave County: 52%

The typical cost for an owner with a mortgage in Lake Havasu City is $1,627 a month, more than in Mohave County ($1,408); without one, $469.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Lake Havasu City rose 84%; in Mohave County, it rose 75%.

Since 2015–2019, the typical rent in Lake Havasu City rose 44%, more than in Mohave County (32%).

Here income did not keep up with housing: it rose 31%, while home values changed +84% and rent +44%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLake Havasu CityMohave CountyArizonaUnited States
Rental vacancy 5.7%2.5%5.8%5.5%
Homeowner vacancy Unreliable estimate1.4%1.0%0.9%
More than one person per room 3.1%3.4%4.3%3.4%
People per household 2.042.122.532.53
Drive alone 74%76%67%69%
Carpool 12%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 10%9%18%15%
Other means 2%2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Lake Havasu City: 5.7% is empty and offered for rent, against 2.5% in Mohave County.

More than one person per room: that is how 3.1% of households in Lake Havasu City live, near the figure in Mohave County (3.4%).

By size, households in Lake Havasu City look like those in Mohave County: 2.04 people on average.

The car rules in Lake Havasu City: 74% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lake Havasu City?

A typical home costs more than the typical income allows

We start with a typical home in Lake Havasu City, worth $455,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Lake Havasu City, which is $70,148 a year. For that payment to be 28% of income, a household would need to earn about $152,929 a year.

The calculator's FHA and conventional loan limits are those of all of Mohave County.

Your numbers

Local data
$

Starts at the typical home value in Lake Havasu City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,939 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,568

at 7.18% · 30 years

Loan amount
$447,152
Total interest
$643,346
Paid off in
November 2056

Includes $7,691 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,637 a month

  • Tight

    $1,637 to $2,104 a month

  • Hard

    more than $2,104 a month

    Your payment · 61%

Compared with the typical household income in Lake Havasu City ($70,148 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,568
Principal & interest$3,029
Property tax$148
Home insurance$190
FHA mortgage insurance (MIP)$201

You need at least $15,939 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Lake Havasu City and Mohave County

Lake Havasu City is in Mohave County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Lake Havasu City's own numbers

Typical home value
$455,400
Typical monthly rent
$1,320
Typical yearly household income
$70,148
Households that own their home
73%
Effective property tax rate
0.39%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Mohave County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,229
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Mohave County.

Everything about Mohave County

Buying

Buying a home in Lake Havasu City

A typical home in Lake Havasu City is worth $455,400: 62% above the county and 15% above Arizona. With the typical household income in Lake Havasu City ($70,148 a year), a typical home costs 6.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Lake Havasu City 6.5 years
  • Mohave 4.9 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mohave County

According to FHFA’s house price index, home prices in Mohave County rose 116% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Mohave County.

Period County Arizona U.S.
Last year (2025) +1.0% +0.9% +2.9%
5 years (2020–2025) +49% +55% +47%
10 years (2015–2025) +116% +119% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Lake Havasu City next to Mohave County, Arizona and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lake Havasu City $455,400
  • Mohave $281,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Lake Havasu City $1,320
  • Mohave $1,091
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Lake Havasu City $70,148
  • Mohave $57,684
  • Arizona $79,964
  • United States $80,734
See the full table
Lake Havasu City next to Mohave County and Arizona
Measure Lake Havasu City Mohave County Arizona U.S.
Typical home value $455,400 $281,000 $394,500 $332,700
Typical monthly rent $1,320 $1,091 $1,543 $1,413
Typical yearly household income $70,148 $57,684 $79,964 $80,734
Households that own their home 73% 74% 67% 65%
Typical yearly property tax $1,754 $1,238 $1,879 $3,119
Effective property tax rate 0.39% 0.44% 0.48% 0.94%
Renters with high rent for their income 51% 49% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mohave County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Lake Havasu City

For a typical $455,400 home in Lake Havasu City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Havasu City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,568a month

    Least cash to close
    Down payment
    $15,939
    Cash to close
    $29,601
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $3,485a month

    Down payment
    $22,770
    Cash to close
    $36,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,806a month

    Down payment
    $91,080
    Cash to close
    $104,742
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,227a month

    Down payment
    $68,310
    Cash to close
    $81,972
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lake Havasu City and for Mohave County.

Property tax

Effective rate in Lake Havasu City

0.39%of the home’s value each year

$1,754 a year for the typical owner in Lake Havasu City.

  • Lake Havasu City 0.39%
  • Mohave 0.44%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Mohave County

FEMA does not publish these numbers by city: they are for all of Mohave County.

Homes in the high-risk zone
2.1%
2,464
Of those, with NFIP insurance
18%
County Arizona U.S.
Homes in the high-risk zone 2.1% 2.2% 3.5%
Of those, with NFIP insurance 18% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake Havasu City

Typical rent in Lake Havasu City is $1,320 a month: 21% above the county. In Lake Havasu City, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Mohave County, by unit size. To pay the 2-bedroom one ($1,229 a month) without spending more than 30% of your income, you would need to earn $23.63 an hour working full time.

HUD fair market rent for all of Mohave County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $953 $18.33 $38,120
1 bedroom $959 $18.44 $38,360
2 bedrooms $1,229 $23.63 $49,160
3 bedrooms $1,708 $32.85 $68,320
4 bedrooms $1,881 $36.17 $75,240

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Lake Havasu City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Havasu City has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,310 in 86403 to $1,640 in 86404.

3 of the 3 are above the fair market rent for Mohave County ($1,229).

  • 86403 $1,310$1,810
  • 86404 $1,640$2,270
  • 86406 $1,480$2,060

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake Havasu City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lake Havasu City

HUD lists 4 buildings with rents for lower incomes in Lake Havasu City. These are the largest.

  • Havasu Hills Apt Homes 825 Cashmere Dr, Lake Havasu City 86404 100 low-income homes · 1 bd: 80 · 2 bd: 20 · In service since 2008
  • Lakeview Villas 3140 Kearsage Dr, Lake Havasu City 86406 84 low-income homes · 2 bd: 64 · 3 bd: 20 · In service since 2012 · For families
  • Briarwood Apartments 2075 Injo Dr, Lake Havasu City 86403 56 low-income homes · 1 bd: 56 · In service since 2016 · For older adults
  • Becket House 865 Cashmere Dr, Lake Havasu City 86404 50 low-income homes · For older adults (928) 855-7178

See all 26 buildings in Mohave County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lake Havasu City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Mohave County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Lake Havasu City

No down payment, repair or rent-help program on our list is for Lake Havasu City or Mohave County. The ones below are statewide in Arizona: they work in Lake Havasu City the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years. Offered by Arizona Industrial Development Authority (Arizona IDA).

    ForgivableDeferred

    See the program Official page

Housing counselors near Lake Havasu City

The HUD-approved agencies closest to the center of Lake Havasu City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Western Arizona Council of Governments (WACOG) - Kingman Branch Office

    208 North 4th St., Kingman · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (928) 217-7195

  • Western Arizona Council of Governments (WACOG)

    1235 S Redondo Center Dr, Yuma · 125 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (928) 782-1886

  • Credit.org - Goodyear, AZ Branch

    15150 W Park Pl, Goodyear · 131 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

Every agency in Mohave County All counseling agencies in Arizona

Help in Spanish near Lake Havasu City

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lake Havasu City

HUD’s record names them for Lake Havasu City or Mohave County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Arizona Source: HUD

Cities

Other cities in Mohave County

These cities are also in Mohave County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Mohave County Housing in Arizona

Nearby cities

The cities closest to Lake Havasu City, with the typical home value.

Neighboring counties

If Mohave County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lake Havasu City.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Lake Havasu City

Short answers with the numbers for Lake Havasu City and all of Mohave County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Lake Havasu City?

The typical home value in Lake Havasu City is $455,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mohave County it is $281,000.

How much does it cost to rent in Lake Havasu City?

Typical rent in Lake Havasu City is $1,320 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mohave County is $1,229.

What is the FHA loan limit in Lake Havasu City?

Lake Havasu City uses the FHA limit for all of Mohave County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Lake Havasu City?

The typical homeowner in Lake Havasu City pays $1,754 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Mohave County, the rate is 0.44%.

Where can I find free help to buy or rent in Lake Havasu City?

There is 1 HUD-approved counseling agency with an office in Mohave County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).