86403 ZIP Code — Lake Havasu City, AZ

Mohave County, Arizona

ZIP code 86403 is located in Lake Havasu City, Arizona, within Mohave County. It covers approximately 11.02 square miles and serves a population of 18,583 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86403

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $279,300. Owner-occupancy sits near the national average at 64%.

Median household income is $57,843. 49% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 15 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 86403 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

18,583

population

11.02

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86403 ZIP code map

Cities in ZIP code 86403

Below are the cities the US Postal Service accepts for ZIP code 86403. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Havasu City	Acceptable
Lake Havasu City	Preferred

Nearby ZIP codes

86406 Lake Havasu City (12.6 mi) 86404 Lake Havasu City (14.8 mi)

Demographics updated 05/2026

Population
Total population	18,583
Population density	1,686 / sq mi
State FIPS	04
County FIPS	015

Geography
Land area	11.02 sq mi
Water area	5.66 sq mi
Latitude	34.4754
Longitude	-114.3402
Timezone	Mountain (MT) — no DST
Area code	928

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	52.2%	40.6%
$50k – $100k	32.2%	32.1%	31.9%
$100k – $200k	14.5%	13.3%	21.1%
Over $200k	2.5%	2.5%	6.4%

Demographics & statistics

18,583

Population

1,686

People per sq mi

49.3

Median age

$57,843

Median household income

$34,993

Per capita income

$279,300

Median home value

$1,076

Median monthly rent

64.0%

Home ownership

15.4%

Poverty rate

6.5%

Unemployment

8,433

Housing units

18.0%

Bachelor's or higher

Age distribution

Male Female

432

Under 5

454

609

5–9

641

323

10–14

341

436

15–19

459

535

20–24

564

926

25–34

974

992

35–44

1,045

836

45–54

879

546

55–59

575

755

60–64

794

1,524

65–74

1,605

897

75–84

945

242

85+

254

← Male

Female →

Age summary

Group	Count	%
Under 18	3,266	17.6%
18 and over	15,317	82.4%
65 and over	5,467	29.4%
Median age	49.3 years

Race & ethnicity

White 75.7%

Hispanic or Latino 10.5%

Two or more races 9.6%

Other race 2.8%

Asian 0.5%

Black or African American 0.5%

American Indian / Alaska Native 0.4%

Group	Count	%
White	15,716	75.7%
Hispanic or Latino	2,185	10.5%
Two or more races	1,992	9.6%
Other race	589	2.8%
Asian	111	0.5%
Black or African American	97	0.5%
American Indian / Alaska Native	78	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	52.2%	40.6%
$50k – $100k	32.2%	32.1%	31.9%
$100k – $200k	14.5%	13.3%	21.1%
Over $200k	2.5%	2.5%	6.4%

Under $10k 3.9%

$10k–$15k 4.7%

$15k–$25k 11.2%

$25k–$35k 9.4%

$35k–$50k 12.6%

$50k–$75k 24.3%

$75k–$100k 11.4%

$100k–$150k 13.4%

$150k–$200k 4.1%

$200k+ 5.2%

Range	% of households
Under $10k	3.9%
$10k–$15k	4.7%
$15k–$25k	11.2%
$25k–$35k	9.4%
$35k–$50k	12.6%
$50k–$75k	24.3%
$75k–$100k	11.4%
$100k–$150k	13.4%
$150k–$200k	4.1%
$200k+	5.2%
Median income	$57,843

Housing

Home values

Under $50k 3.0%

$50k–$100k 3.7%

$100k–$150k 5.1%

$150k–$200k 15.8%

$200k–$300k 29.2%

$300k–$500k 27.0%

$500k–$1M 14.0%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$279,300
Median rent / month	$1,076
Owner occupied	64.0%
Renter occupied	36.0%
Vacant	26.2%
Single-family detached	60.3%
Large apartment buildings	6.1%
Mobile homes	5.3%
Median rooms	4.7
Avg household size (owned)	2.21

Year built

Era	%
2020 or later	1.2%
2010–2019	5.2%
2000–2009	18.7%
1990–1999	20.2%
1980–1989	27.5%
1970–1979	21.6%
1960–1969	5.2%
1950–1959	0.3%
1940–1949	0.0%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	12.1%
2 bedrooms	35.0%
3 bedrooms	43.5%
4 bedrooms	7.7%
5+ bedrooms	0.6%

Vehicles per household

Vehicles	% of households
No vehicle	5.5%
1 vehicle	42.0%
2 vehicles	30.6%
3 or more	21.8%

Heating fuel

Fuel type	%
Utility gas	8.5%
Electricity	88.1%
Propane / LP gas	0.6%
Solar	1.6%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	3,504	41.4%
Cohabiting couple	735	8.7%
Male householder, no spouse	1,924	22.7%
Female householder, no spouse	2,304	27.2%
Households with children under 18	1,585	18.7%
Households with seniors (65+)	3,960	46.8%
Average household size	2.18

Marital status

Status	Male	Female
Never married	30.6%	28.3%
Married	48.7%	47.4%
Separated	2.3%	3.8%
Widowed	3.8%	9.5%
Divorced	14.6%	11.0%

Education

Less than 9th grade 2.7%

Some HS, no diploma 9.7%

HS graduate 27.3%

Some college, no degree 31.2%

Associate's degree 11.1%

Bachelor's degree 8.1%

Graduate / professional 9.9%

Metric	%
HS diploma or higher	87.6%
Bachelor's or higher	18.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	278	8.3%
Kindergarten	159	4.7%
Elementary school	1,370	40.8%
High school	626	18.7%
College / grad school	923	27.5%

Employment

Industry of employment

Education & healthcare 19.4%

Arts, food & hospitality 15.0%

Retail trade 14.3%

Construction 10.9%

Finance & real estate 9.6%

Transportation & utilities 8.1%

Other services 6.6%

Manufacturing 5.5%

Professional & management 4.1%

Public administration 3.2%

Information 2.5%

Wholesale trade 0.7%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	25.0%
Service	26.4%
Sales & office	22.4%
Natural resources & construction	9.7%
Production & transportation	16.5%

Employment type

Type	%
Private sector	76.8%
Government	7.9%
Self-employed	12.4%
Unpaid family workers	2.9%

Commute

Method	%
Drive alone	71.7%
Carpool	13.0%
Public transit	0.5%
Walk	1.4%
Work from home	9.8%
Other means	3.5%
Avg commute (minutes)	15.4

Poverty

All people 15.4%

Under 18 years 24.2%

18 and over 13.6%

Married-couple families 3.7%

Female-led households 31.5%

Income support

Source	% of households
Social Security	48.5%
Retirement income	36.6%
Supplemental Security	3.2%
Cash public assistance	2.2%
Food stamps / SNAP	10.3%

Health indicators

Condition	%
Obesity	33.4%
High blood pressure	35.2%
High cholesterol	37.9%
Diabetes	12.5%
Heart disease	8.7%
Stroke	4.0%
Asthma	10.3%
Arthritis	30.0%
Kidney disease	3.8%
Pulmonary disease	9.3%
Cancer	8.4%

Behavior / access	%
Smoking	18.6%
Binge drinking	15.9%
No physical activity	28.8%
Less than 7 hrs sleep	35.5%
Depression	20.5%
Fair or poor health	17.3%
Poor mental health	15.5%
Poor physical health	12.9%
No health insurance	16.6%
Visited doctor (checkup)	70.7%
Visited dentist	54.1%
Cholesterol screening	90.6%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,114	13.8%

Disability	%
Any disability	17.3%
Under 18	0.5%
18–64 years	15.3%
65 and over	30.9%

Health insurance coverage

Type	%
Private insurance	56.7%
Public insurance	55.7%
No insurance	8.4%
Uninsured under 19	7.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,697	95.2%
Spanish	719	4.1%
Other Indo-European	656	3.7%
Asian & Pacific Islander	12	0.1%
Other languages	51	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,202	92.6%
Born in same state	16,814	90.5%
Born in different state	3,480	18.7%
Foreign born	388	2.1%
Naturalized citizen	1,381	7.4%
Not a US citizen	450	32.6%

Ancestry

Ancestry	Count	%
French	2,414	13%
Italian	2,401	12.9%
Arab	976	5.3%
English	404	2.2%

Ancestry	Count	%
Polish	360	1.9%
Irish	225	1.2%
Dutch	142	0.8%
German	116	0.6%

Technology access

Metric	% of households
Computer access	45.6%
Internet access	95.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 86403

What city is ZIP code 86403 in?

ZIP code 86403 is primarily assigned to Lake Havasu City, Arizona.

What county is ZIP code 86403 in?

ZIP code 86403 falls within Mohave County, Arizona.

Does ZIP code 86403 have an older population?

29% of residents in ZIP code 86403 are 65 or older, above the national average of ~17%.

Does ZIP code 86403 have a large retiree population?

49% of households in ZIP code 86403 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 86403?

15% of residents in ZIP code 86403 live below the poverty line, above the national average.

Does ZIP code 86403 have a large veteran population?

14% of civilians in ZIP code 86403 are veterans, above the national average of ~7%.

What timezone is ZIP code 86403 in?

ZIP code 86403 observes the MST timezone.