ZIP Code 86404 — Lake Havasu City city, AZ Demographics & Data

ZIP code 86404 covers Lake Havasu City, AZ in Mohave County with a population of about 18,866.

At a glance, the area shows median age of 60.2 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-9; the PHOENIX (PRESCOTT) media market.

Lake Havasu City, AZ fits a retirement-oriented profile (high share of residents 65+ (40.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 86404 is about $67,528 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.3%; unemployment rate near 4.8%; 18.5% of adults with a bachelor’s degree or higher (about 15.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 14.3% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $421,300 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,106 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 82.4% (about 17.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86404 in Lake Havasu City, AZ, a household would need roughly $116,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,706. That is about 72% above the local median household income ($67,528), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lake Havasu City city, AZ as Relatively High (composite score 94.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.8) and flood (97.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lake Havasu City city, AZ show little to no average snow and around 4.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 633 for ZIP 86404 (Lake Havasu City city, AZ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.