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 Moderate-density area
- $72,910
- Median income Near-median income area
- $461,600
- Median home value Above-median home value
- 19.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 86404 (Lake Havasu City, AZ) rose +3.4% from 2023 to 2024. The all-transactions index moved from 392.1 in 2023 to 405.5 in 2024 (2000 = 100).
ZIP code 86404 is a mid-sized community (a standard USPS delivery area) in Lake Havasu City, Mohave County, Arizona, home to 16,243 residents across 448.7 square miles, a density of 36 people per square mile, in the Phoenix time zone.
ZIP 86404 lands in the middle-income range, with a median household income of $72,910 (0% above the average Arizona ZIP), while per-capita income is $47,206. The poverty rate is 12.6%, with unemployment at 3.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $461,600 (37% above the average Arizona ZIP), while 80.7% of occupied homes are owner-occupied and median rent is $1,425.
Educational attainment sits below the national norm: 19.9% of adults hold a bachelor's degree or higher, the median age is 59.1, and the average commute is 16 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Mohave County, so 86404 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 86404
Top 5 sectors by establishment count in Lake Havasu City, AZ
Which industries have the most business establishments in ZIP 86404.
- Construction
Construction
63 establishments
- Retail trade
Retail trade
47 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
30 establishments
- Other services (except public administration)
Other services (except public administration)
26 establishments
- Real estate and rental and leasing 23
Real estate and rental and leasing
23 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 86404?
59.1
Median Age
48.4%
Male
51.6%
Female
5.2%
Foreign-Born
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 ZIP avg
$47,206
Per Capita Income
12.6%
Poverty Rate
3.7%
Unemployment Rate
16.3 min
Mean Commute Time
How ZIP 86404 ranks among Arizona ZIPs
Lake Havasu City, AZ household income vs. every Arizona ZIP code
Median household income among 372 reporting Arizona ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$72,910 Top 43% higher than 57% of 372 Arizona ZIPs
Each bar is a $20K-wide band; taller bars hold more Arizona 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
11,544housing units
11,544
Total Housing Units
9,222
Occupied Units
2,322
Vacant Units
2.08
Avg Household Size
Occupancy Type
$461,600
Median Home Value
+37% vs state ZIP avg
$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.
- 86404
Lake Havasu City (86404)
16,243 residents
- 86403
Lake Havasu City (86403)
15,802 residents
- 86436 2,104
Topock (86436)
2,104 residents
What this shows Among its immediate neighbors, ZIP 86404 ranks the most populous - useful context the national average alone can't give.
ZIP 86404 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 86404
Lake Havasu City (86404)
$72,910 median income
- 86403
Lake Havasu City (86403)
$58,967 median income
- 86436
Topock (86436)
$44,077 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 86404, both outside AZ so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (16,243 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Mohave County
Related Areas
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.
Related
Take this with you
What to do with ZIP 86404's numbers, next.
- See how ZIP 86404 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lake Havasu City, AZ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.