86406 ZIP Code — Lake Havasu City, AZ

Mohave County, Arizona

ZIP code 86406 is located in Lake Havasu City, Arizona, within Mohave County. It covers approximately 244.46 square miles and serves a population of 23,973 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86406

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 $381,900. Owner-occupancy is high at 78%, well above the national average.

Median household income is $70,833. 54% 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 21 minutes is near the national average.

College attainment at 20% 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 86406 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

23,973

population

244.46

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86406 ZIP code map

Cities in ZIP code 86406

Below are the cities the US Postal Service accepts for ZIP code 86406. 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 (12.6 mi) 86404 Lake Havasu City (15.7 mi)

Demographics updated 05/2026

Population
Total population	23,973
Population density	98 / sq mi
State FIPS	04
County FIPS	015

Geography
Land area	244.46 sq mi
Water area	5.92 sq mi
Latitude	34.4269
Longitude	-114.1279
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	39.9%	52.2%	40.6%
$50k – $100k	38.9%	32.1%	31.9%
$100k – $200k	17.0%	13.3%	21.1%
Over $200k	4.2%	2.5%	6.4%

Demographics & statistics

23,973

Population

People per sq mi

56.4

Median age

$70,833

Median household income

$47,226

Per capita income

$381,900

Median home value

$1,165

Median monthly rent

77.8%

Home ownership

9.7%

Poverty rate

5.5%

Unemployment

11,696

Housing units

19.9%

Bachelor's or higher

Age distribution

Male Female

404

Under 5

407

524

5–9

526

673

10–14

677

407

15–19

410

337

20–24

339

1,044

25–34

1,050

1,000

35–44

1,005

1,416

45–54

1,424

686

55–59

689

1,094

60–64

1,100

2,528

65–74

2,540

1,468

75–84

1,475

374

85+

376

← Male

Female →

Age summary

Group	Count	%
Under 18	3,811	15.9%
18 and over	20,162	84.1%
65 and over	8,761	36.5%
Median age	56.4 years

Race & ethnicity

White 81.8%

Hispanic or Latino 7.4%

Two or more races 7.1%

Other race 1.9%

Asian 0.7%

American Indian / Alaska Native 0.7%

Black or African American 0.4%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	21,182	81.8%
Hispanic or Latino	1,915	7.4%
Two or more races	1,834	7.1%
Other race	483	1.9%
Asian	178	0.7%
American Indian / Alaska Native	177	0.7%
Black or African American	105	0.4%
Native Hawaiian / Pacific Islander	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.9%	52.2%	40.6%
$50k – $100k	38.9%	32.1%	31.9%
$100k – $200k	17.0%	13.3%	21.1%
Over $200k	4.2%	2.5%	6.4%

Under $10k 5.0%

$10k–$15k 2.4%

$15k–$25k 7.2%

$25k–$35k 9.4%

$35k–$50k 10.7%

$50k–$75k 19.4%

$75k–$100k 15.6%

$100k–$150k 19.2%

$150k–$200k 4.1%

$200k+ 7.0%

Range	% of households
Under $10k	5.0%
$10k–$15k	2.4%
$15k–$25k	7.2%
$25k–$35k	9.4%
$35k–$50k	10.7%
$50k–$75k	19.4%
$75k–$100k	15.6%
$100k–$150k	19.2%
$150k–$200k	4.1%
$200k+	7.0%
Median income	$70,833

Housing

Home values

Under $50k 1.8%

$50k–$100k 1.4%

$100k–$150k 1.7%

$150k–$200k 3.7%

$200k–$300k 22.2%

$300k–$500k 46.5%

$500k–$1M 19.9%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$381,900
Median rent / month	$1,165
Owner occupied	77.8%
Renter occupied	22.2%
Vacant	19.5%
Single-family detached	87.5%
Large apartment buildings	1.4%
Mobile homes	1.5%
Median rooms	5.5
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.1%
2010–2019	5.9%
2000–2009	25.8%
1990–1999	31.7%
1980–1989	16.9%
1970–1979	16.6%
1960–1969	1.5%
1950–1959	0.6%
1940–1949	0.4%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.1%
2 bedrooms	23.2%
3 bedrooms	63.7%
4 bedrooms	9.0%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	30.4%
2 vehicles	37.2%
3 or more	29.9%

Heating fuel

Fuel type	%
Utility gas	13.8%
Electricity	81.9%
Propane / LP gas	1.1%
Fuel oil	0.3%
Wood	0.8%
Solar	1.4%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	5,598	48.8%
Cohabiting couple	674	5.9%
Male householder, no spouse	2,382	20.8%
Female householder, no spouse	2,814	24.5%
Households with children under 18	2,010	17.5%
Households with seniors (65+)	6,001	52.3%
Average household size	2.07

Marital status

Status	Male	Female
Never married	20.9%	14.3%
Married	59.2%	54.9%
Separated	0.5%	1.1%
Widowed	5.0%	15.1%
Divorced	14.5%	14.6%

Education

Less than 9th grade 1.9%

Some HS, no diploma 5.0%

HS graduate 32.7%

Some college, no degree 29.3%

Associate's degree 11.2%

Bachelor's degree 12.8%

Graduate / professional 7.1%

Metric	%
HS diploma or higher	93.1%
Bachelor's or higher	19.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	189	4.8%
Kindergarten	233	5.9%
Elementary school	1,712	43.4%
High school	888	22.5%
College / grad school	919	23.3%

Employment

Industry of employment

Education & healthcare 21.8%

Retail trade 18.2%

Professional & management 11.0%

Arts, food & hospitality 10.3%

Other services 8.0%

Finance & real estate 7.7%

Construction 7.5%

Manufacturing 4.1%

Transportation & utilities 4.0%

Public administration 3.8%

Wholesale trade 1.8%

Information 1.4%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	34.5%
Service	20.0%
Sales & office	27.6%
Natural resources & construction	8.1%
Production & transportation	9.8%

Employment type

Type	%
Private sector	79.3%
Government	12.1%
Self-employed	7.9%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	79.7%
Carpool	10.5%
Public transit	0.0%
Walk	0.5%
Work from home	6.0%
Other means	3.3%
Avg commute (minutes)	21.0

Poverty

All people 9.7%

Under 18 years 16.6%

18 and over 8.4%

Married-couple families 4.6%

Female-led households 20.4%

Income support

Source	% of households
Social Security	53.6%
Retirement income	42.7%
Supplemental Security	3.9%
Cash public assistance	2.8%
Food stamps / SNAP	4.4%

Health indicators

Condition	%
Obesity	32.5%
High blood pressure	35.6%
High cholesterol	38.0%
Diabetes	12.3%
Heart disease	8.8%
Stroke	3.9%
Asthma	10.1%
Arthritis	30.8%
Kidney disease	3.8%
Pulmonary disease	8.9%
Cancer	9.0%

Behavior / access	%
Smoking	17.2%
Binge drinking	15.4%
No physical activity	26.8%
Less than 7 hrs sleep	34.8%
Depression	20.1%
Fair or poor health	15.8%
Poor mental health	14.8%
Poor physical health	12.2%
No health insurance	13.7%
Visited doctor (checkup)	71.8%
Visited dentist	57.6%
Cholesterol screening	92.0%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,825	14.0%

Disability	%
Any disability	17.6%
Under 18	7.7%
18–64 years	10.2%
65 and over	31.9%

Health insurance coverage

Type	%
Private insurance	70.8%
Public insurance	48.1%
No insurance	8.4%
Uninsured under 19	11.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,162	96.6%
Spanish	361	1.6%
Other Indo-European	194	0.8%
Asian & Pacific Islander	89	0.4%
Other languages	38	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,174	92.5%
Born in same state	22,083	92.1%
Born in different state	3,977	16.6%
Foreign born	91	0.4%
Naturalized citizen	1,799	7.5%
Not a US citizen	1,254	69.7%

Ancestry

Ancestry	Count	%
Italian	3,871	16.1%
French	3,296	13.7%
Arab	1,192	5%
English	1,076	4.5%
Polish	521	2.2%

Ancestry	Count	%
German	193	0.8%
Dutch	160	0.7%
Irish	137	0.6%
Norwegian	44	0.2%

Technology access

Metric	% of households
Computer access	47.8%
Internet access	94.1%

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

Frequently asked questions about ZIP code 86406

What city is ZIP code 86406 in?

ZIP code 86406 is primarily assigned to Lake Havasu City, Arizona.

What county is ZIP code 86406 in?

ZIP code 86406 falls within Mohave County, Arizona.

Does ZIP code 86406 have an older population?

37% of residents in ZIP code 86406 are 65 or older, above the national average of ~17%.

Does ZIP code 86406 have a large retiree population?

54% of households in ZIP code 86406 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 86406 have a large veteran population?

14% of civilians in ZIP code 86406 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 86406?

The median home value in ZIP code 86406 is $381,900.

What timezone is ZIP code 86406 in?

ZIP code 86406 observes the MST timezone.