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Lake Havasu

Current Mortgage Rates in Lake Havasu, Arizona

Compare mortgage rates and fees for leading lenders in Lake Havasu, AZ. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Lake Havasu.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Lake Havasu. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Lake Havasu, AZ as of September 28, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
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How Do Today's Lake Havasu, AZ Mortgage Rates Compare?

September 28, 2020

The current average rate for a 30 year fixed rate mortgage in Lake Havasu is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Lake Havasu, AZ Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Lake Havasu, Arizona?

Below we provide helpful information on the real estate market, home prices and housing affordability in Lake Havasu. Understand how much you need to earn to afford a home in Lake Havasu, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Lake Havasu fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Lake Havasu is right for you.

The median home value for Lake Havasu, AZ (Mohave County) is $194,192

Based on current mortgage rates and a 10% down payment, you need to make $34,949 per year to buy the median priced home in Lake Havasu

With this income, you could qualify for a $174,773 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Lake Havasu is $809

The median household income for Lake Havasu, AZ (Mohave County) is $43,838

Based on this income, you can afford a home valued at approximately $243,581

The home price you can afford to buy based on household income in Lake Havasu is 125% of the median home value which means housing prices are average. Lake Havasu (Mohave County) ranks 12 out of 15 counties in Arizona and 2,807 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Lake Havasu, AZ is average

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Loan Limits for Lake Havasu, Arizona

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Lake Havasu (Mohave County) below.

Conforming loan limits for Lake Havasu, AZ

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Lake Havasu, AZ

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for Lake Havasu, AZ

1 unit: $510,400

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