Lake Havasu City, AZ · Updated Oct 2026

What a Lake Havasu City home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Lake Havasu City house

$5,872a year · $489 a month

Starts at $274,436 of value before exemptions. Typical use.

A typical Lake Havasu City house costs about $5,900 a year: $1,670 property tax and charges, $990 water and sewer, $300 trash, $1,890 electricity and gas, $1,020 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Widows, widowers, disabled persons and disabled veterans: property tax exemptionUp to $4,873 off assessed value
For 2026, Mohave County subtracts up to $4,873 of assessed Limited Property Value for qualifying widows, widowers, disabled persons and disabled veterans (prorated by disability percentage for veterans under 100%). Household income cannot exceed $39,865, or $47,826 with minor children at home, and all Arizona property owned cannot exceed $36,454 of assessed value.
How: Apply at a Mohave County Assessor office or by mail from January 2 to February 28 (postmarked by February 28); enrollment reopens in January 2027.
Seniors 65+: Senior Property Valuation "Sr. Freeze"
If every owner is on the application and the title, at least one owner is 65, the home is the primary residence, the owners have lived there at least two years and all owners' combined income is no more than $47,712 (one owner) or $59,640 (two or more), the Limited Property Value stays the same for three years. Taxes are not frozen.
How: Apply to the Mohave County Assessor between early January and September 1, with proof of age, residency and three years of income.
Income up to 200% of poverty: UniSource CARES electric discount$16 a month off the electric bill
Eligible UNS Electric customers on any residential rate plan who take part in the CARES program get a flat monthly discount of $16. Electric customers with household income up to 200 percent of the federal poverty level may qualify. Participants must reapply every year.
How: Sign up for CARES with UniSource online or with its downloadable form.
Income up to 150% of poverty: UniSource CARES gas discount24-28% off the gas bill
UniSource's CARES program gives gas customers with household income up to 150 percent of the federal poverty level a $5 discount on the standard Basic Service and Meter Charge plus a year-round 40 percent discount on the gas costs in the Purchase Gas Adjustment (PGA) surcharge, about 24-28 percent off year-round. You must reapply every year.
How: Apply with UniSource's online form, or download the form and submit it as it instructs; enrollment may take up to two bill cycles.
Free curbside pickup of large items, up to 6 times a year
Republic Services collects large household items such as water heaters, furniture and appliances at the curb at no charge (except for tires and Freon certification) up to 6 times per calendar year. Construction debris, landscaping and commercial waste are not included.
How: Call Republic Services at 928-855-9441 to schedule a pickup.

Money dates

Nov 2, 2026in 9 daysFirst-half 2026 property taxes are delinquent after 5 pm (November 1 is a Sunday, so it moves to the next business day); the late payment penalty is 16% a year, prorated monthly.
Dec 31in 68 daysPay both halves of taxes over $100 in one payment by December 31 and any interest accrued after November 1 no longer applies.
Feb 28Last day (postmark) to apply for the widow/widower, disability and disabled veteran exemption with the Mohave County Assessor; applications are accepted from January 2.
May 3, 2027Second-half 2026 taxes become past due after 5 pm (May 1 is a Saturday, so it moves to the next business day).

Who serves this house

Water: Lake Havasu City; Lake Havasu City water rates effective September 1, 2026: a monthly base charge by meter size ($12.45 for 3/4 inch) plus residential rates per 100 cubic feet (including irrigation), with no charge for the first 300 cubic feet
Property tax: 0.61% of value; 2026 tax year, Mohave County (Fiscal Year 2027 adopted rates; Lake Havasu City and Lake Havasu Unified)
Garbage: Republic Services; Once a week pickup for refuse and recycle items; residential rate $25.00
Sewer: Lake Havasu City; Residential: a $55.24 base monthly charge, with no flow rate
Electricity: UniSource Energy Services (UNS Electric); Residential Service (ERRES): $17.00 basic service charge a month plus charges per kWh
Gas: UniSource Energy Services (UNS Gas); Residential Gas Service: $11.96 a month plus $0.8292 per therm
Schools: Lake Havasu Unified School District; Fiscal Year 2027 adopted rates per $100 of valuation: 2.8501 primary and 0.2408 secondary (Class B bonds)

Pay or manage your bills

Your water

Source: Groundwater from the city's 11 wells, drawing on the Colorado River Aquifer under an annual allocation of 28,581 acre-feet.
Treatment: The city's water treatment plant is designed mainly to remove manganese and to bring arsenic under the 10 ppb federal limit; the 2025 running average was 4.1 ppb.
Lead: In 09/2023 sampling the 90th percentile for lead was 3.1 ppb, under the 15 ppb action level.
Hardness: Average 19 grains per gallon; total dissolved solids average 753 ppm (EPA guideline 500).

Other AZ cities

Flagstaff home costs Peoria home costs Phoenix home costs Sierra Vista home costs Maricopa home costs Scottsdale home costs Bullhead City home costs Mesa home costs

How these numbers are made

Property tax: Arizona taxes an owner-occupied home (Class 3) on an assessed value of 10% of its Limited Property Value (LPV), at rates per $100 of that assessed value, so each rate here is Mohave County's adopted Fiscal Year 2027 rate (the tax year 2026 bills mailed this fall) divided by 1,000 and applied to LPV. We use the common city combination: Lake Havasu City, Lake Havasu Unified, the Western Arizona Vocational Education District and the countywide districts. Primary: county 1.8147, Mohave Community College 1.0438, city 0.6718 and Lake Havasu Unified 2.8501, less the state homeowner reduction of 1.42505 (A.R.S. 15-972 takes the lesser of half the FY 2027 unified qualifying tax rate, $1.5128, and half the district's primary rate, 2.8501 / 2); secondary: Lake Havasu Unified Class B bonds 0.2408, WAVE 0.0500, library 0.2148, flood control 0.5000, fire district assistance 0.1000 and T.V. district 0.0363. Total 6.09735 per $100 of assessed value, or 0.6097% of LPV.
The starting value is the average (not median) 2026 Limited Property Value of Class 3 (primary residences, including homes occupied by a qualifying family member or also rented to lodgers) parcels in the City of Lake Havasu City from the Arizona Department of Revenue abstract: $4,744,177,878 over 17,287 parcels = $274,436, which gives about $1,673 a year. Their full cash value averages $454,826, so LPV runs about 60% of full cash value here. The state reduction is capped at $600 a parcel, which only matters above about $421,000 of LPV. Parcels in the small Lake Havasu City improvement district (LHCID #2) or outside the city pay different rates.
Water: Lake Havasu City rates effective September 1, 2026: $12.45 a month for a 3/4-inch meter, no charge for the first 300 cubic feet, then $2.49 per 100 cubic feet to 1,500 cubic feet, $3.11 to 5,000 and $4.20 above (residential rates include irrigation). The city publishes no typical household use, so the page starts at 9 hundred cubic feet. Some homes near the city get water from EPCOR (Lake Havasu) or the Havasu Heights domestic water district instead. Sewer: a flat $55.24 a month for residential customers. Trash: Republic Services, $25.00 a month on the city bill. Taxes on the city utility bill are not included.
Electricity: UNS Electric's Basic residential plan (ERRES), from its Lake Havasu rate chart effective October 1, 2026. Per kWh: delivery 3.2991 cents for the first 400 kWh and 5.2368 cents above, plus base power supply 7.3258, PPFAC 0.4508, TCA 0.1474 and the tax adjustment credit of -0.01 cents; the LFCR (0.9298% + 0.4138%) is applied to those base charges and the $17.00 basic service charge, then the DSM (0.15) and RCS (0.0192) surcharges are added: 11.533 cents up to 400 kWh and 13.497 cents above. The REST surcharge (1.26 cents per kWh, capped at $8.27 a month) is counted at its cap, which applies above about 656 kWh, so the monthly fixed part is $17.00 x 1.013436 + $8.27 = $25.50. At 1,000 kWh this matches the chart's $152.61 pre-tax bill. Not included: the PPFAC credit of 2.0931 cents per kWh listed in UNS's PPFAC rider from May 1, 2026, and state sales tax and ACC/RUCO assessments. On electricity the only city charge is the 2.00% city franchise fee; the chart lists the city public utility tax and city sales tax at 0.00%. Typical use: 924 kWh a month, UNS Electric's 2024 residential average from EIA (1,055,159 MWh / 12 / 95,191 customers). The rates are the same all year.
Gas: UNS Gas Residential Gas Service from October 1, 2026, $11.96 a month plus $0.8292 per therm (the PGA gas cost part changes), Gas use starts at 0: most homes heat with electricity (84%, ACS 2024); about 1 in 10 uses UNS gas (10.5% heat with utility gas, 1.4% with propane), so gas users enter their own use. The 2% added to gas is Lake Havasu's 2.00% city relocation fee, listed in UNS Gas's taxes and assessments schedule; state sales tax and ACC/RUCO assessments on gas are not included. Insurance: Arizona's 2022 statewide average HO-3 premium (NAIC via Triple-I), not a Lake Havasu City figure.
Nothing here is legal, tax or insurance advice.

Sources

How Lake Havasu City compares

A typical Lake Havasu City house against the 9 Arizona cities we cover, using the same default numbers as the total above.

Per year	Lake Havasu City	Median	Where it falls
Property tax rate	0.61%	0.78%	lower than 7 of the other 8 Arizona cities we cover
Water	$329	$480	lower than 7 of the other 8 Arizona cities we cover
Sewer and utility-bill fees	$663	$435	higher than 7 of the other 8 Arizona cities we cover
Trash	$300	$336	lower than 6 of the other 6 Arizona cities we cover
Electricity and gas	$1,889	$2,648	lower than 8 of the other 8 Arizona cities we cover
Home insurance	$1,018	$1,018	in the middle of 8 other Arizona cities we cover
Total	$5,872	$6,992	lower than 6 of the other 8 Arizona cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Lake Havasu City's property tax rate is 0.61%, lower than 7 of the other 8 Arizona cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Lake Havasu City is 0.61%, lower than 7 of the other 8 Arizona cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $329 a year at typical use, lower than 7 of the other 8 Arizona cities we cover.

Ask: "Water here costs about $329 a year at typical use, lower than 7 of the other 8 Arizona cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $663 a year, higher than 7 of the other 8 Arizona cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $663 a year, higher than 7 of the other 8 Arizona cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $300 a year for the standard cart, lower than 6 of the other 6 Arizona cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $300 a year for the standard cart, lower than 6 of the other 6 Arizona cities we cover. What drives that cost, and would you change anything about the service or the price?"

5. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,889 a year, lower than 8 of the other 8 Arizona cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $1,889 a year for a typical house, lower than 8 of the other 8 Arizona cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Lake Havasu City house costs

What is the property tax rate in Lake Havasu City?

About 0.61% of the value before exemptions a year (2026 tax year, Mohave County (Fiscal Year 2027 adopted rates; Lake Havasu City and Lake Havasu Unified)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Lake Havasu City?

About $3,049 a year on $500,000 of the value before exemptions.

How much is the water bill in Lake Havasu City?

About $83 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Lake Havasu City.

How much does trash pickup cost in Lake Havasu City?

$25 a month for a house.

When is property tax due in Lake Havasu City?

Nov 2, 2026: First-half 2026 property taxes are delinquent after 5 pm (November 1 is a Sunday, so it moves to the next business day); the late payment penalty is 16% a year, prorated monthly.

Can seniors lower their property tax or bills in Lake Havasu City?

Yes. Widows, widowers, disabled persons and disabled veterans: property tax exemption: For 2026, Mohave County subtracts up to $4,873 of assessed Limited Property Value for qualifying widows, widowers, disabled persons and disabled veterans (prorated by disability percentage for veterans under 100%). Household income cannot exceed $39,865, or $47,826 with minor children at home, and all Arizona property owned cannot exceed $36,454 of assessed value.

Where can I get help paying utility bills in Lake Havasu City?

Income up to 200% of poverty: UniSource CARES electric discount: Eligible UNS Electric customers on any residential rate plan who take part in the CARES program get a flat monthly discount of $16. Electric customers with household income up to 200 percent of the federal poverty level may qualify. Participants must reapply every year. Sign up for CARES with UniSource online or with its downloadable form.

How much does a house in Lake Havasu City cost to run each year?

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