Aug 2026
$486K
+1.1% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Markets › AZ › Lake Havasu City
Lake Havasu City, AZ
Median sale price, a Redfin vs. FHFA price check, and daily-refreshed real estate signals for Lake Havasu City, AZ. Built for agents; free to read.
Lake Havasu City, AZ’s median sale price is $486K as of Aug 2026 — +1.1% year over year. Pecan Street measures Lake Havasu City’s year-over-year home-price change two independent ways: Redfin sale prices and the FHFA House Price Index. No market signals are flagged here right now.
Headline
Oct 6, 2026
7.45%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,703/mo
$116K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Lake Havasu City compares to other U.S. metros
| Price-to-rent | ↑10th of 195 (top 6%) |
|---|---|
| Days on market | ↑24th of 195 (top 13%) |
| Price cuts | ↓145th of 195 |
| Home-price growth | 111th of 195 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 24 +12.3% YoY ↑10th of 195 (top 6%) |
|---|---|
| Asking price / sq ft | $250 -3.5% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 32% +0.4 pts YoY ↓145th of 195 |
|---|---|
| New housing units permitted | 71 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 11 shown of 22 |
|---|---|
| MLS board of record | ARMLS |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
normal · 1.1ppRedfin (city) +1.1% | FHFA HPI · Q2 2026 -0.1% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
Market dispatches
Citable market dispatches for Lake Havasu City → Latest dispatch: Aug 14, 2026.
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 86401 | $343K↑ | 184↑ | 60↓ | 76↑ | 74↓ | $287K↑ |
| 86403 | $392K↓ | 200↓ | 68↑ | 56↓ | 73↑ | $388K↑ |
| 86404 | $647K↓ | 162↓ | 52↑ | 52↓ | 67↓ | $507K↑ |
| 86406 | $581K↑ | 243↓ | 72↓ | 80↓ | 73↑ | $491K↑ |
| 86409 | $294K↑ | 111↓ | 38↓ | 40↓ | 75↑ | $265K↑ |
| 86413 | $291K↓ | 33↓ | 12↓ | 20↑ | 69↑ | $239K↑ |
| 86426 | $396K↓ | 126↑ | 38↓ | 34↑ | 81↓ | $335K↑ |
| 86429 | $456K↓ | 116↑ | 20↑ | 26↑ | 82↓ | $399K↑ |
| 86432 | $575K↓ | 26↑ | 4↑ | 0↑ | 76↓ | $367K↑ |
| 86440 | $363K↓ | 47↑ | 18↑ | 12↑ | 66↑ | $305K↑ |
| 86442 | $307K↓ | 202↑ | 70↑ | 52↑ | 73↑ | $271K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.