Shop Lake Havasu City homes by monthly payment: what each budget covers
Lake Havasu City's median owner cost is $1,627 a month and median taxes about $146. Start from the payment you want and see homes whose estimate fits. MABLS shows each home's payment from its real property tax and HOA data plus an insurance estimate.
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What does a monthly payment buy in Lake Havasu City, AZ?
Quick answer: The Census median owner cost with a mortgage in Lake Havasu City is $1,627, and median taxes run about $146 a month. The median tax is 0.39% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Lake Havasu City city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
The homes behind Lake Havasu City's payments
5,293 of Lake Havasu City's housing units (15%) are held for seasonal, recreational or occasional use, so not every home in town is a year-round residence. At 9.19 per $100 in FY2025-26 (6.39 primary plus 2.80 secondary), Mohave County's average total rate sits $93 a year per $100,000 of limited value below Maricopa County's 10.12. It averages all property, so it points a direction without pricing any one home.
FHFA's Lake Havasu City-Kingman metro index changed +27.0% over five years and −0.0% over the last year (through 2026 Q2), 9.3 points behind the statewide five-year change of +36.3%. It measures repeat sales across the metro, not Lake Havasu City alone. Lake Havasu City's median owner cost of $1,627 is above both of its closest neighbors here, Bullhead City at $1,300 and Yuma at $1,489, while median monthly taxes are $146 here, $86 in Bullhead City and $122 in Yuma.
Same price, different payment in Lake Havasu City
Taxes weigh lightly on Lake Havasu City owners: the Census median real estate tax paid is $1,754 a year, 0.39% of the median home value, 33rd-highest of 39 places on this site for tax share. Two homes at the same price can still land on either side of that median, depending on the tax area and any district lines on the parcel.
What each monthly budget covers in Lake Havasu City
Census median monthly owner cost for Lake Havasu City homeowners with a mortgage: $1,627, 29th-highest of 39 places (ACS 2020–2024). Only the $1,500 budget sits below the Lake Havasu City median; the other four ($2,000 and up) are above it. Median real estate taxes come to about $146 a month, 9% of that owner-cost median.
| Budget | Vs. $1,627 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $127 below | 10% | $1,354 |
| $2,000/mo | $373 above | 7% | $1,854 |
| $2,500/mo | $873 above | 6% | $2,354 |
| $3,000/mo | $1,373 above | 5% | $2,854 |
| $4,000/mo | $2,373 above | 4% | $3,854 |
What is left must still cover principal and interest, insurance and dues. Medians include long-time owners, so this is not a quote.
How owner costs are spread in Lake Havasu City
Among Lake Havasu City's 11,796 owners with a mortgage, the largest group (42%) pays under $1,500 a month, and 6% pay $3,000 or more. On value, 38% of owner-occupied homes sit between $300,000 and $499,999, with 21% below that range and 41% above.
| Under $1,500 | $1,500 to $1,999 | $2,000 to $2,499 | $2,500 to $2,999 | $3,000 or more |
|---|---|---|---|---|
| 42% | 31% | 14% | 7% | 6% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Lake Havasu City payments
Three bedrooms is the most common size among Lake Havasu City's 20,838 owner-occupied homes (66%), with 13% at four or more and 20% at two or fewer.
Places with owner costs closest to Lake Havasu City's
| Place | Owner costs | Taxes a month | Vs. Lake Havasu City |
|---|---|---|---|
| Lake Havasu City | $1,627 | $146 | this page |
| Prescott Valley | $1,622 | $149 | below Lake Havasu City by $5 |
| Casa Grande | $1,635 | $123 | above Lake Havasu City by $8 |
| Payson | $1,680 | $149 | above Lake Havasu City by $53 |
| Glendale | $1,705 | $134 | above Lake Havasu City by $78 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Lake Havasu City: homes for sale and the city overview.
Data as of October 10, 2026. Figures are cited to the public sources listed below. General information for Arizona home shoppers, not a loan offer, rate quote, or commitment to lend.
See Lake Havasu City homes by the payment you want
Search with each home's own property taxes, HOA dues, and insurance built into the estimate. We never sell your information.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
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Lake Havasu City overview · Homes for sale in Lake Havasu City · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Lake Havasu City city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: B25077 (median home value), B25103 (median real estate taxes paid), B25088 (median owner costs with a mortgage), B08013/B08303 (mean travel time to work), B25003 (owner-occupied share), B01003 (population) (retrieved October 4, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, housing tables B25001, B25004, B25024, B25034, B25035, B25042 (via the Census Reporter API) (retrieved October 10, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, B25087 (selected monthly owner costs, housing units with a mortgage) and B25075 (value of owner-occupied homes) (retrieved October 10, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
Frequently asked questions
What is the median monthly property tax for homeowners in Lake Havasu City?
About $146 a month, from a Census median of $1,754 a year (ACS 2020–2024).
Why can two Lake Havasu City homes at the same price have different payments?
Each home has its own assessed value, tax area, dues and insurance estimate. The Census median tax paid in Lake Havasu City is $1,754 a year, about 0.39% of the median home value, but individual homes pay more or less.
How does Lake Havasu City compare with Prescott Valley on owner costs?
Median monthly owner costs with a mortgage are $1,627 in Lake Havasu City and $1,622 in Prescott Valley (ACS 2020–2024), a difference of $5. Median monthly taxes are $146 and $149.