3-digit ZIP regional index
Home appreciation in ZIP codes 864xxLake Havasu City, AZ area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 864 changed -0.0% over the year to Q2 2026, compared with +0.9% for Arizona and +3.0% for the United States.
The region covers ZIP codes 86401–86445. Most of its 2010 population lived in Mohave County (100%). Communities in the region include Bullhead City, Kingman, Fort Mohave, New Kingman-Butler, Golden Valley. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.0%
- 5-year change
- +26.9%
- Since Q1 1995
- +307%
- National rank (1 year)
- 819th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 864 vs Arizona and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 864: 406.8
- Arizona: 471.5
- Lake Havasu City-Kingman, AZ metro: 407.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 864 | AZ | U.S. | Gap vs AZ | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.0% | +0.9% | +3.0% | −0.9 pts | −3.0 pts |
| 3 years | +5.3% | +8.2% | +12.9% | −2.9 pts | −7.6 pts |
| 5 years | +26.9% | +36.3% | +41.3% | −9.4 pts | −14.4 pts |
| 10 years | +112% | +116% | +93.3% | −3.8 pts | +19.0 pts |
| Since Q1 1995 | +307% | +372% | +292% | −64.7 pts | +15.3 pts |
If you bought in ZIP3 864 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +298% | $1,194,889 |
| Q2 2000 | +271% | $1,112,746 |
| Q2 2005 | +85.9% | $557,670 |
| Q2 2010 | +175% | $826,086 |
| Q2 2015 | +124% | $671,985 |
| Q2 2020 | +54.7% | $464,141 |
| Q2 2021 | +26.9% | $380,727 |
| Q2 2023 | +5.3% | $315,903 |
| Q2 2025 | -0.0% | $299,963 |
How ZIP3 864 ranks
Over the past year ZIP3 864 ranks 819th of 882 3-digit ZIP regions nationally and 10th of 11 in Arizona. Its one-year change is −3.0 pts versus the nation and −0.9 pts versus Arizona. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Arizona |
|---|---|---|
| 1 year | 819th of 882 | 10th of 11 |
| 3 years | 817th of 882 | 11th of 11 |
| 5 years | 820th of 882 | 11th of 11 |
| 10 years | 158th of 882 | 9th of 11 |
| Since Q1 1995 | 281st of 879 | 9th of 11 |
Boom, bust, and recovery in ZIP3 864
ZIP3 864's index peaked in Q3 2006, fell 46.3% to its low in Q2 2011, and regained its peak in Q2 2020, about 13.8 years after the top. Today it sits +56.9% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 864 | Q3 2006 | Q2 2011 | -46.3% | Q2 2020 (13.8 yrs) | +56.9% |
| AZ | Q4 2006 | Q2 2011 | -46.0% | Q3 2019 (12.8 yrs) | +72.5% |
| Metro | Q3 2006 | Q2 2011 | -46.3% | Q2 2020 (13.8 yrs) | +57.0% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 864's index has changed +83.7% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 864 after inflation | AZ after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -3.7% | -2.8% | -3.8% | -0.8% |
| 3 years | +9.8% | -4.1% | -1.4% | -3.8% | +2.8% |
| 5 years | +24.0% | +2.3% | +9.9% | +2.4% | +13.9% |
| 10 years | +39.1% | +52.7% | +55.4% | +52.7% | +39.0% |
| Since Q1 1995 | +121% | +83.7% | +113% | +83.8% | +76.8% |
Estimate appreciation for a home in ZIP3 864
Regional estimate
$636,983
- Estimated gain
- $336,983
- Index change
- +112%
- Start index
- 191.60
- End index
- 406.82
ZIP3 864 (Lake Havasu City, AZ area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 890 · Henderson, NV area | NV | -2.3% | +31.9% | +259% |
| 891 · Las Vegas, NV area | NV | +0.9% | +39.7% | +277% |
| 863 · Prescott, AZ area | AZ | -1.3% | +34.9% | +340% |
| 853 · Glendale, AZ area | AZ | +1.7% | +35.8% | +331% |
| 922 · Indio, CA area | CA | -0.5% | +37.1% | +383% |
| 850 · Phoenix, AZ area | AZ | +0.5% | +35.6% | +469% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 406.82 |
| Q1 2026 | 411.58 |
| Q4 2025 | 408.85 |
| Q3 2025 | 413.00 |
| Q2 2025 | 406.87 |
| Q1 2025 | 407.82 |
| Q4 2024 | 409.03 |
| Q3 2024 | 404.34 |
| Q2 2024 | 402.48 |
| Q1 2024 | 390.94 |
| Q4 2023 | 398.56 |
| Q3 2023 | 396.17 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 864?
- Based on FHFA HPI® data for 3-digit ZIP region 864, the regional index changed -0.0% over the year to Q2 2026, +26.9% over five years, +112% over ten years, and +307% since Q1 1995.
- Is ZIP3 864 appreciating faster than Arizona and the U.S.?
- Over the past year the region's index -0.0% compares with +0.9% for Arizona and +3.0% for the U.S., a gap of −3.0 pts versus the nation. Over five years the gap versus the nation is −14.4 pts.
- Which ZIP codes are in 3-digit ZIP region 864?
- All ZIP codes that begin with 864. Census 2010 ZIP Code Tabulation Areas in this region run from 86401 to 86445 (23 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.