Lake Havasu City, AZ home prices
Typical home $349,800 · +2.0% in a year · income needed $93,700
The Lake Havasu City, AZ metro area ranks 225 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.0% in a year and +8.2% over five years. With 20% down at 7.11%, the typical home costs about $2,186 a month including 0.44% property tax (Mohave County rate).
Mortgage on the typical Lake Havasu City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $69,960 | $279,840 | $1,883 | $0 | $303 | $2,186 | $93,700 |
| 10% down | $34,980 | $314,820 | $2,118 | $131 | $303 | $2,552 | $109,400 |
| 5% down | $17,490 | $332,310 | $2,235 | $138 | $303 | $2,677 | $114,700 |
| 3.5% down (FHA) | $12,243 | $343,465 | $2,311 | $155 | $303 | $2,769 | $118,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Lake Havasu City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mohave County, AZ | $349,812 | +2.0% | 0.44% |
What can you afford in Arizona on your salary? · Arizona home prices · Salaries in Arizona
Frequently asked questions
How much is a house in Lake Havasu City?
The typical home in the Lake Havasu City, AZ metro area is worth $349,800 (Zillow, September 2026).
What salary do you need to buy a house in Lake Havasu City?
About $93,700 a year for the typical home with 20% down at 7.11%.