Residential delivery area · Arizona
ZIP Code 86404: Lake Havasu City, AZ
ZIP code 86404 uses the postal name Lake Havasu City, Arizona and lies entirely in Mohave County (Census 2020 ZIP-county file). About 19,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Lake Havasu City's 3 residential ZIP codes. Median household income is $72,910 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Lake Havasu City (13%), Desert Hills (3%) and Crystal Beach (under 1%); 85% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Lake Havasu City · 3 residential ZIPs
- County
- Mohave County
- Census places
- Lake Havasu City (13%); Desert Hills (3%) census-designated place; Crystal Beach (under 1%) census-designated place
- Metro area
- Lake Havasu City-Kingman, AZ
- House district
- AZ-9 119th Congress
- State
- Arizona
- Time zone
- Mountain (no daylight saving)
- Land area
- 161.8 sq mi · 119 people per sq mi
- PO Box ZIPs
- 86405 also use the name Lake Havasu City
Where is ZIP code 86404?
86404 centers on 34.590°, -114.308° and covers 161.8 square miles of land plus 3.4 of water. It borders 5 ZIP codes: 86403, 86436, 92363, 86406, 86438.
The map draws ZIP code areas only. For the streets inside 86404, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 86404 compare with the rest of Lake Havasu City?
| Measure | 86404 | In Lake Havasu City | In Mohave County | In AZ |
|---|---|---|---|---|
| People (ACS 2020-2024) | 19,234 | 2nd of 3 | 5th of 25 | 158th of 417 |
| Median household income | $73k | 2nd of 3 | 2nd of 12 | 139th of 264 |
| Median home value | $462k | 2nd of 3 | 2nd of 12 | 80th of 282 |
Its median household income is higher than in 51% of U.S. residential ZIP codes, and it is denser than 56% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 86404?
The 2020 Census counted 18,312 people in 86404; the ACS, which samples households over 2020-2024, estimates 19,234. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 19,234
- 2020 Census count
- 18,312
- Households
- 9,222
- Median age
- 59.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 86404?
Of the 19,234 people the ACS estimates in 86404, 12.7% are under 18 and 37.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.5%), then Hispanic or Latino (13.7%).
- Under 1812.7%
- 18 to 6449.4%
- 65 and older37.9%
- White, not Hispanic80.5%
- Hispanic or Latino13.7%
- Other or two or more4.5%
- Asian, not Hispanic1.0%
- Black, not Hispanic0.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 86404 earn?
Median household income is $72,910 (ACS 2020-2024), the 2nd highest of the 12 ranked ZIP codes in Mohave County.
- Median household income
- $72,910
- Income per person
- $47,206
- Below the poverty line
- 12.6%
- Unemployed (of the labor force)
- 3.7%
- Adults 25+ with a bachelor's degree
- 19.9%
- Adjusted gross income per tax return, 2022
- $75,7108,290 returns; wages 46% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 86404?
FHFA's house price index for 86404, built from repeat sales and appraisals of the same homes, rose 118% from 2015 to 2025 and rose 50% from 2020 to 2025, and moved −1.6% in 2025.
- Median home value (owners' estimate)
- $461,600
- Median gross rent
- $1,425
- Homes owned by their occupants
- 80.7%
- Housing units
- 11,544
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 86404?
290 business establishments had a location in this ZIP code in 2023, 51 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction63
- Retail trade47
- Administrative and support and waste management and remediation services30
- Other services (except public administration)26
- Real estate and rental and leasing23
- Professional, scientific, and technical services18
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 86404?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 86403 | Lake Havasu City | 18,295 | $59k | 8.1 mi |
| 86436 | Topock | 1,555 | $44k | 12.0 mi |
| 92363 | Needles, CA | 5,531 | $40k | 17.7 mi |
| 86406 | Lake Havasu City | 25,067 | $78k | 19.3 mi |
| 86438 | Yucca | 784 | $42k | 19.3 mi |
| 92267 | Parker Dam, CA | 0 | – | 21.0 mi (near) |
| 86433 | Oatman | 74 | – | 23.6 mi (near) |
| 86440 | Mohave Valley | 8,853 | $63k | 24.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.