Lake Havasu City, AZ · standard

ZIP Code 86406

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 15, 2026

23,763
37/sq mi: $77,506
Median income: $476,600
Median home value: 18.3%
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 42%
household income, US ZIPs: Top 14%
home value, US ZIPs: 37
people per sq mi: 78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 86406 against every reporting US ZIP.

ZIP code 86406 is classified by USPS as a standard delivery area and covers roughly 635.4 square miles in Lake Havasu City, Mohave County, Arizona. The area is home to 23,763 residents, producing a population density of 37 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 86406 against Arizona and the nation.

On the economic side, the median household income for ZIP 86406 sits at $77,506 (7% above the Arizona average), while per-capita income is $48,106. The poverty rate stands at 10.9% and the unemployment rate at 6.5%. On housing, the median home value is $476,600 (41% above the state average) with median rent at $1,320 per month, and 77.6% of occupied units are owner-occupied, a direct signal of whether 86406 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 18.3% of adults hold a bachelor's degree or higher, the median age is 58.3, and the average commute is 18 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mohave County, so you can benchmark 86406 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 86406

Construction

118
Real estate and rental and leasing

46
Other services (except public administration)

43
Administrative and support and waste management and remediation services

38
Health care and social assistance

31

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 86406, Lake Havasu City, AZ · 2023 Accessed 2026-06-15 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

23,763

Population

635.4

Area (sq mi)

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 86406?

58.3

Median Age

50.4%

Male

49.6%

Female

7.0%

Foreign-Born

White 83.3%

African American 0.6%

Asian 0.7%

American Indian or Alaska Native 0.4%

Native Hawaiian or Pacific Islander 0.2%

Two or More Ethnicities 11.3%

Hispanic or Latino 13.8%

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?

$77,506

Median Household Income

+7% vs state

$48,106

Per Capita Income

10.9%

Poverty Rate

6.5%

Unemployment Rate

18.1 min

Mean Commute Time

How ZIP 86406 ranks nationally

Household income vs. every US ZIP code

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

$77,506 Top 42% higher than 58% of 30,318 US ZIPs

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 53.6%

Bachelor's Degree or Higher 18.3%

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

What does housing look like?

15,024

Total Housing Units

12,348

Occupied Units

2,676

Vacant Units

2.02

Avg Household Size

Occupancy Type

Owner 77.6%

Renter 22.4%

$476,600

Median Home Value

+41% vs state

$1,320

Median Rent

1996

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

+4.9%

YoY Change (2024)

385

HPI Index (2000 = 100)

+285%

Total Change Since 2000

Home values in ZIP 86406 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +285% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+7.0%	255
2021	+22.7%	313
2022	+19.8%	375
2023	-2.1%	367
2024	+4.9%	385

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 400 business establishments in ZIP 86406, employing approximately 2,350 people with a combined annual payroll of $93,537,000.

400

Businesses

2,350

Employees

$93.5M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	118	29.5%
Real estate and rental and leasing	46	11.5%
Other services (except public administration)	43	10.8%
Administrative and support and waste management and remediation services	38	9.5%
Health care and social assistance	31	7.8%
Retail trade	25	6.3%
Professional, scientific, and technical services	24	6.0%
Accommodation and food services	20	5.0%
Finance and insurance	13	3.3%
Transportation and warehousing	11	2.8%
Wholesale trade	10	2.5%
Arts, entertainment, and recreation	6	1.5%
Manufacturing	5	1.3%
Educational services	4	1.0%
Information	3	0.8%

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 86406 vs 92267 →

ZIP Code	City	Population	Distance
92267	Parker Dam, CA	126	10.8 mi

More ZIP Codes in Mohave County

Mohave County Lake Havasu City, AZ Arizona

Frequently Asked Questions

What county is ZIP code 86406 in? ▼

ZIP code 86406 (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 86406? ▼

ZIP code 86406 in Lake Havasu City, AZ has a population of 23,763 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 86406? ▼

The median household income in ZIP 86406 is $77,506, which is 2% above the national average of $76,288.

What is the average home value in ZIP 86406? ▼

The median home value in ZIP 86406 is $476,600, which is 71% above the national average of $278,155.

What is the demographic makeup of ZIP 86406? ▼

The largest racial group in ZIP 86406 is White at 83.3%. Hispanic or Latino residents make up 13.8% of the population.

How many businesses are in ZIP code 86406? ▼

ZIP code 86406 has 400 business establishments employing approximately 2,350 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 86406? ▼

The top industries by establishment count in ZIP 86406 are: Construction (118), Real estate and rental and leasing (46), Other services (except public administration) (43). There are 15 industry sectors represented in total.

How have home values changed in ZIP code 86406? ▼

According to the FHFA House Price Index, home values in ZIP 86406 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 285%. 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 86406? ▼

In ZIP code 86406, 53.6% of residents aged 25+ have a high school diploma or higher, and 18.3% 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 86406? ▼

The mean commute time for workers in ZIP code 86406 is 18.1 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 86406? ▼

In ZIP code 86406, approximately 77.6% of occupied housing units are owner-occupied and 22.4% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 86406? ▼

The poverty rate in ZIP code 86406 is 10.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.