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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 November 13, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Lake Havasu, AZ Mortgage Rates Compare?

November 13, 2019

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%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Lake Havasu, Arizona?

The median home value for Lake Havasu, AZ (Mohave County) is $177,994

The median household income for Lake Havasu, AZ (Mohave County) is $42,838

Based on current mortgage rates and a 10% down payment, you need to make $33,024 per year to buy the median priced home in Lake Havasu

The home price you can afford to buy based on household income in Lake Havasu is 130% of the median home value which means housing prices are average

Lake Havasu (Mohave County) ranks 12 out of 15 counties in Arizona and 2,794 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: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Lake Havasu, AZ

1 unit: $314,827
2 units: $403,125
3 units: $487,250
4 units: $605,525

VA loan limits for Lake Havasu, AZ

1 unit: $484,350

Additional Mortgage Resources for Lake Havasu, AZ Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index