86404 ZIP Code — Lake Havasu City, AZ

Mohave County, Arizona

ZIP code 86404 is located in Lake Havasu City, Arizona, within Mohave County. It covers approximately 161.79 square miles and serves a population of 18,280 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86404

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $399,900. Owner-occupancy is high at 82%, well above the national average.

Median household income is $63,125. 59% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 16 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 86404 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

18,280

population

161.79

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86404 ZIP code map

Cities in ZIP code 86404

Below are the cities the US Postal Service accepts for ZIP code 86404. 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

86403 Lake Havasu City (14.8 mi) 86406 Lake Havasu City (15.7 mi) 86436 Topock (19.6 mi)

Demographics updated 05/2026

Population
Total population	18,280
Population density	113 / sq mi
State FIPS	04
County FIPS	015

Geography
Land area	161.79 sq mi
Water area	3.43 sq mi
Latitude	34.6495
Longitude	-114.1874
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	43.5%	52.2%	40.6%
$50k – $100k	30.0%	32.1%	31.9%
$100k – $200k	23.5%	13.3%	21.1%
Over $200k	3.0%	2.5%	6.4%

Demographics & statistics

18,280

Population

113

People per sq mi

59.5

Median age

$63,125

Median household income

$39,895

Per capita income

$399,900

Median home value

$1,254

Median monthly rent

81.6%

Home ownership

11.5%

Poverty rate

5.9%

Unemployment

9,508

Housing units

18.1%

Bachelor's or higher

Age distribution

Male Female

276

Under 5

261

338

5–9

320

328

10–14

311

498

15–19

471

300

20–24

285

1,138

25–34

1,078

643

35–44

608

741

45–54

702

508

55–59

481

948

60–64

897

2,107

65–74

1,996

1,240

75–84

1,174

324

85+

307

← Male

Female →

Age summary

Group	Count	%
Under 18	2,420	13.2%
18 and over	15,860	86.8%
65 and over	7,148	39.1%
Median age	59.5 years

Race & ethnicity

White 79.8%

Hispanic or Latino 7.8%

Two or more races 5.4%

Other race 4.9%

Asian 1%

American Indian / Alaska Native 0.6%

Native Hawaiian / Pacific Islander 0.3%

Black or African American 0.2%

Group	Count	%
White	15,819	79.8%
Hispanic or Latino	1,549	7.8%
Two or more races	1,071	5.4%
Other race	968	4.9%
Asian	196	1%
American Indian / Alaska Native	127	0.6%
Native Hawaiian / Pacific Islander	61	0.3%
Black or African American	38	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.5%	52.2%	40.6%
$50k – $100k	30.0%	32.1%	31.9%
$100k – $200k	23.5%	13.3%	21.1%
Over $200k	3.0%	2.5%	6.4%

Under $10k 3.7%

$10k–$15k 3.5%

$15k–$25k 8.9%

$25k–$35k 9.9%

$35k–$50k 12.1%

$50k–$75k 16.8%

$75k–$100k 16.8%

$100k–$150k 16.2%

$150k–$200k 5.8%

$200k+ 6.3%

Range	% of households
Under $10k	3.7%
$10k–$15k	3.5%
$15k–$25k	8.9%
$25k–$35k	9.9%
$35k–$50k	12.1%
$50k–$75k	16.8%
$75k–$100k	16.8%
$100k–$150k	16.2%
$150k–$200k	5.8%
$200k+	6.3%
Median income	$63,125

Housing

Home values

Under $50k 2.8%

$50k–$100k 3.6%

$100k–$150k 4.6%

$150k–$200k 5.7%

$200k–$300k 20.8%

$300k–$500k 36.1%

$500k–$1M 23.1%

$1M+ 3.4%

Housing overview

Metric	Value
Median home value	$399,900
Median rent / month	$1,254
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	22.3%
Single-family detached	77.3%
Large apartment buildings	0.3%
Mobile homes	16.3%
Median rooms	5.3
Avg household size (owned)	2.03

Year built

Era	%
2020 or later	0.4%
2010–2019	9.5%
2000–2009	30.8%
1990–1999	31.4%
1980–1989	15.4%
1970–1979	9.3%
1960–1969	2.4%
1950–1959	0.4%
1940–1949	0.3%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	3.4%
2 bedrooms	22.0%
3 bedrooms	66.3%
4 bedrooms	6.9%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.7%
1 vehicle	28.2%
2 vehicles	36.1%
3 or more	33.0%

Heating fuel

Fuel type	%
Utility gas	18.1%
Electricity	76.6%
Propane / LP gas	1.0%
Wood	1.2%
Solar	2.4%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	4,636	53.8%
Cohabiting couple	629	7.3%
Male householder, no spouse	1,604	18.6%
Female householder, no spouse	1,751	20.3%
Households with children under 18	1,550	18.0%
Households with seniors (65+)	4,767	55.3%
Average household size	2.12

Marital status

Status	Male	Female
Never married	20.6%	17.4%
Married	58.7%	57.0%
Separated	1.6%	1.7%
Widowed	4.1%	13.6%
Divorced	15.0%	10.3%

Education

Less than 9th grade 2.0%

Some HS, no diploma 5.5%

HS graduate 31.4%

Some college, no degree 32.5%

Associate's degree 10.4%

Bachelor's degree 12.2%

Graduate / professional 5.9%

Metric	%
HS diploma or higher	92.4%
Bachelor's or higher	18.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	80	3.5%
Kindergarten	152	6.7%
Elementary school	1,022	45.2%
High school	720	31.9%
College / grad school	286	12.7%

Employment

Industry of employment

Education & healthcare 24.3%

Retail trade 14.4%

Arts, food & hospitality 10.2%

Construction 9.3%

Professional & management 8.9%

Manufacturing 6.8%

Other services 6.7%

Finance & real estate 6.1%

Public administration 4.3%

Transportation & utilities 3.9%

Agriculture & mining 2.3%

Wholesale trade 1.9%

Information 0.9%

Occupation

Category	%
Management, business & arts	31.6%
Service	24.2%
Sales & office	24.1%
Natural resources & construction	7.2%
Production & transportation	12.9%

Employment type

Type	%
Private sector	76.1%
Government	14.7%
Self-employed	9.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.9%
Carpool	8.8%
Public transit	0.3%
Walk	0.8%
Work from home	12.0%
Other means	1.3%
Avg commute (minutes)	15.8

Poverty

All people 11.5%

Under 18 years 22.6%

18 and over 9.9%

Married-couple families 4.0%

Female-led households 25.1%

Income support

Source	% of households
Social Security	59.3%
Retirement income	45.1%
Supplemental Security	3.1%
Cash public assistance	2.0%
Food stamps / SNAP	5.4%

Health indicators

Condition	%
Obesity	33.8%
High blood pressure	37.2%
High cholesterol	39.3%
Diabetes	13.3%
Heart disease	9.3%
Stroke	4.2%
Asthma	10.3%
Arthritis	32.0%
Kidney disease	4.0%
Pulmonary disease	9.7%
Cancer	9.0%

Behavior / access	%
Smoking	18.1%
Binge drinking	15.1%
No physical activity	28.3%
Less than 7 hrs sleep	35.3%
Depression	20.3%
Fair or poor health	17.2%
Poor mental health	15.0%
Poor physical health	13.1%
No health insurance	14.6%
Visited doctor (checkup)	72.2%
Visited dentist	55.4%
Cholesterol screening	91.9%
Teeth loss	14.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,248	14.2%

Disability	%
Any disability	17.9%
Under 18	2.5%
18–64 years	13.7%
65 and over	28.2%

Health insurance coverage

Type	%
Private insurance	61.3%
Public insurance	57.0%
No insurance	7.9%
Uninsured under 19	6.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,743	97.1%
Spanish	324	1.8%
Other Indo-European	231	1.3%
Asian & Pacific Islander	0	0.0%
Other languages	75	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,308	94.7%
Born in same state	17,066	93.4%
Born in different state	2,781	15.2%
Foreign born	242	1.3%
Naturalized citizen	972	5.3%
Not a US citizen	712	73.3%

Ancestry

Ancestry	Count	%
Italian	2,183	11.9%
French	2,172	11.9%
Arab	831	4.5%
Polish	597	3.3%
English	301	1.6%

Ancestry	Count	%
Dutch	127	0.7%
German	114	0.6%
Irish	111	0.6%
Norwegian	16	0.1%

Technology access

Metric	% of households
Computer access	47.2%
Internet access	94.9%

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

Frequently asked questions about ZIP code 86404

What city is ZIP code 86404 in?

ZIP code 86404 is primarily assigned to Lake Havasu City, Arizona.

What county is ZIP code 86404 in?

ZIP code 86404 falls within Mohave County, Arizona.

Does ZIP code 86404 have an older population?

39% of residents in ZIP code 86404 are 65 or older, above the national average of ~17%.

Does ZIP code 86404 have a large retiree population?

59% of households in ZIP code 86404 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 86404 mostly owner-occupied?

82% of occupied units in ZIP code 86404 are owner-occupied, well above the national average.

Does ZIP code 86404 have a large veteran population?

14% of civilians in ZIP code 86404 are veterans, above the national average of ~7%.

What timezone is ZIP code 86404 in?

ZIP code 86404 observes the MST timezone.