86406 Property Tax Rate
Lake Havasu City, Arizona · Part of Mohave County
Effective Tax Rate
0.42%
6.9% above state avgMedian Annual Tax
$1,829
$152/mo escrow
Estimate Your Tax
Annual Tax
$1,829
Monthly
$152
Eff. Rate
0.42%
Buyer decision brief
What ZIP 86406 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$152/mo
Based on median annual tax paid
State context
0.12 percentage points below the Arizona average
Arizona average: 0.54%
Data confidence
High confidenceThe Census margin of error is $90, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Mohave County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 86406 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$90 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Mohave County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 86406
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $434,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.42%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Arizona and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $152 per month before insurance, HOA dues, or special assessments.
Assessor verification
Mohave County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 86406 Compares
Median Annual Property Tax
ZIP 86406
0.42%
Effective rate
Arizona Avg
0.54%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Arizona
Lower than 77% of ZIP codes in Arizona(23th percentile, 328 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 86406
Property owners in ZIP code 86406 (Lake Havasu City, Arizona) pay a median of $1,829/year in property taxes on homes valued at $434,700. This translates to an effective tax rate of 0.42%, which is 22% below the Arizona state average of 0.54%.
The monthly property tax burden for a median-valued home in 86406 is approximately $152, which factors into escrow payments on mortgages. This ZIP code is located within Mohave County.
Compared to similar ZIP codes in Arizona, 86406 has higher property taxes. ZIP codes with similar effective rates include 85224 (0.42%) and 85260 (0.42%).
In Lake Havasu City, property taxes represent approximately 2.5% of the median household income of $74,171, providing context for the relative tax burden on homeowners in this area.
Arizona taxes owner-occupied primary residences at a 10% assessment ratio (vs. 18% for other property types), and your home will be reassessed at purchase price; Limited Property Value thereafter caps annual increases. The Mohave County Assessor administers the Senior Valuation Protection program (age 65+, 10+ years residence) and owner-occupancy discounts — apply within 60 days of closing. File your owner-occupancy claim at the Mohave County Assessor's office immediately to lock in the reduced 10% assessment ratio.
Frequently Asked Questions
What is the property tax rate in ZIP code 86406?
How much are property taxes in Lake Havasu City, AZ (86406)?
How does ZIP 86406 compare to the Arizona average?
What is the median home value in ZIP 86406?
What county is ZIP code 86406 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$90. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 86406 is part of Mohave County, Arizona. View the full county profile for broader context and more data.
View Mohave County on TaxByCounty →Explore Lake Havasu City, AZ
View all 3 ZIP codes in Lake Havasu City with property tax comparisons.
View Lake Havasu City Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 86406
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
86404
Lake Havasu City, AZ
0.00 percentage points lower than ZIP 86406.
Rate
0.42%
Tax
$1,765
Quality
96
86438
Yucca, AZ
0.15 percentage points lower than ZIP 86406.
Rate
0.27%
Tax
$754
Quality
78
86445
Willow Beach, AZ
0.10 percentage points lower than ZIP 86406.
Rate
0.32%
Tax
$548
Quality
84
85360
Wikieup, AZ
0.06 percentage points lower than ZIP 86406.
Rate
0.36%
Tax
$522
Quality
74
86444
Meadview, AZ
0.04 percentage points lower than ZIP 86406.
Rate
0.38%
Tax
$572
Quality
84
85253
Paradise Valley, AZ
0.01 percentage points lower than ZIP 86406.
Rate
0.42%
Tax
$8,307
Quality
80
85262
Scottsdale, AZ
0.07 percentage points lower than ZIP 86406.
Rate
0.35%
Tax
$4,139
Quality
94
85377
Carefree, AZ
0.15 percentage points lower than ZIP 86406.
Rate
0.27%
Tax
$2,866
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.