Compare Lake Havasu, AZ mortgage rates and fees from top lenders. 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 lowest 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.
August 9, 2025
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 $285,092
Based on current mortgage rates and a 10% down payment, you need to make $59,475 per year to buy the median priced home in Lake Havasu
With this income, you could qualify for a $256,583 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 $1,377
The median household income for Lake Havasu, AZ (Mohave County) is $47,297
Based on this income, you can afford a home valued at approximately $226,716
The home price you can afford to buy based on household income in Lake Havasu is 80% of the median home value which means housing prices are very expensive. Lake Havasu (Mohave County) ranks 13 out of 15 counties in Arizona and 3,009 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 very expensive
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
FHA loan limits for Lake Havasu, AZ