ZIP Code 86431

ZIP code 86431, near Lake Havasu City, shows a striking split between earnings and housing costs. Per-capita income of $65,605 points to an affluent population, yet the median home value sits at just $76,900 — far below what such earnings might normally buy. Property taxes stay low too, with an effective county rate of 0.44%, so owners owe little on those homes each year. Sales tax adds 5.60% at checkout. This combination of high incomes and inexpensive housing suggests a retirement or second-home market rather than a working-class one, where wealth comes from sources beyond local wages.