PlainZIP

Lake Havasu City, AZ · standard

ZIP Code 86404

Mohave County, Arizona — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

16,243
36/sq mi
$72,910
Median income
$461,600
Median home value
19.9%
Bachelor's or higher

The verdict

Lake Havasu City pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 49%
household income, US ZIPs
Top 15%
home value, US ZIPs
36
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 86404 against every reporting US ZIP.

ZIP code 86404 is classified by USPS as a standard delivery area and covers roughly 448.7 square miles in Lake Havasu City, Mohave County, Arizona. The area is home to 16,243 residents, producing a population density of 36 people per square mile, and falls within the Phoenix time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 86404 against Arizona and the nation.

On the economic side, the median household income for ZIP 86404 sits at $72,910 (0% above the Arizona average), while per-capita income is $47,206. The poverty rate stands at 12.6% and the unemployment rate at 3.7%. On housing, the median home value is $461,600 (37% above the state average) with median rent at $1,425 per month, and 80.7% of occupied units are owner-occupied, a direct signal of whether 86404 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 19.9% of adults hold a bachelor's degree or higher, the median age is 59.1, and the average commute is 16 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mohave County, so you can benchmark 86404 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 86404

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 86404.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 86404, Lake Havasu City, AZ · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

16,243

Population

448.7

Area (sq mi)

36

People / sq mi

Phoenix

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 86404?

59.1

Median Age

48.4%

Male

51.6%

Female

5.2%

Foreign-Born

White 83.8%
African American 0.3%
Asian 1.0%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 8.8%
Hispanic or Latino 13.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$72,910

Median Household Income

+0% vs state

$47,206

Per Capita Income

12.6%

Poverty Rate

3.7%

Unemployment Rate

16.3 min

Mean Commute Time

How ZIP 86404 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$72,910 Top 49% higher than 51% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 51.9%
Bachelor's Degree or Higher 19.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,544

Total Housing Units

9,222

Occupied Units

2,322

Vacant Units

2.08

Avg Household Size

Occupancy Type

Owner 80.7%
Renter 19.3%

$461,600

Median Home Value

+37% vs state

$1,425

Median Rent

1997

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.4%

YoY Change (2024)

405

HPI Index (2000 = 100)

+305%

Total Change Since 2000

Home values in ZIP 86404 have increased 3.4% over the past year (2024). Since 2000, this ZIP has seen +305% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.0% 266
2021 +20.1% 320
2022 +20.0% 384
2023 +2.3% 392
2024 +3.4% 405

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 290 business establishments in ZIP 86404, employing approximately 2,467 people with a combined annual payroll of $107,594,000.

290

Businesses

2,467

Employees

$107.6M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 63 21.7%
Retail trade 47 16.2%
Administrative and support and waste management and remediation services 30 10.3%
Other services (except public administration) 26 9.0%
Real estate and rental and leasing 23 7.9%
Professional, scientific, and technical services 18 6.2%
Health care and social assistance 16 5.5%
Accommodation and food services 15 5.2%
Manufacturing 14 4.8%
Transportation and warehousing 12 4.1%
Wholesale trade 9 3.1%
Finance and insurance 7 2.4%
Arts, entertainment, and recreation 4 1.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 86404 vs 86403 →

ZIP 86404 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 86404 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 86404 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 86404 ranks the highest of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
86403 Lake Havasu City, AZ 15,802 9.8 mi
86436 Topock, AZ 2,104 10.6 mi

More ZIP Codes in Mohave County

86442 standard
Bullhead City, AZ
Pop: 33,382
86409 standard
Kingman, AZ
Pop: 26,471
86401 standard
Kingman, AZ
Pop: 24,289
86406 standard
Lake Havasu City, AZ
Pop: 23,763
86403 standard
Lake Havasu City, AZ
Pop: 15,802
86426 standard
Fort Mohave, AZ
Pop: 13,863

Related Areas

Mohave County Lake Havasu City, AZ Arizona

Frequently Asked Questions

What county is ZIP code 86404 in? ▼
ZIP code 86404 (Lake Havasu City) is located in Mohave County, Arizona. Mohave County contains multiple ZIP codes, see the full list at /counties/mohave-az.
What is the population of ZIP code 86404? ▼
ZIP code 86404 in Lake Havasu City, AZ has a population of 16,243 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 86404? ▼
The median household income in ZIP 86404 is $72,910, which is 4% below the national average of $76,288.
What is the average home value in ZIP 86404? ▼
The median home value in ZIP 86404 is $461,600, which is 66% above the national average of $278,155.
What is the demographic makeup of ZIP 86404? ▼
The largest racial group in ZIP 86404 is White at 83.8%. Hispanic or Latino residents make up 13.7% of the population.
How many businesses are in ZIP code 86404? ▼
ZIP code 86404 has 290 business establishments employing approximately 2,467 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 86404? ▼
The top industries by establishment count in ZIP 86404 are: Construction (63), Retail trade (47), Administrative and support and waste management and remediation services (30). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 86404? ▼
According to the FHFA House Price Index, home values in ZIP 86404 increased by 3.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 305%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 86404? ▼
In ZIP code 86404, 51.9% of residents aged 25+ have a high school diploma or higher, and 19.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 86404? ▼
The mean commute time for workers in ZIP code 86404 is 16.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 86404? ▼
In ZIP code 86404, approximately 80.7% of occupied housing units are owner-occupied and 19.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 86404? ▼
The poverty rate in ZIP code 86404 is 12.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Lake Havasu City, AZ

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.