1st Advantage MortgageAbout 74% of Mohave County homes are owner-occupied, and the median household income is $57,684. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Mohave County offer.
On this page
- Who lives in Mohave County
- Earnings across Mohave County households
- Jobs and commutes in Mohave County
- Mohave County's most unusual numbers
- What it costs to live in Mohave County
- Cities, towns and CDPs in Mohave County
- Nearby counties: income, rent, ownership
- What the numbers mean for Mohave County borrowers
- Debt-to-income, Mohave County edition
- People and households in Mohave County
- Before you sign
- Arizona rules that apply in Mohave County
- Other Arizona guides
- Frequently asked questions
Who lives in Mohave County
Roughly 220,517 residents live in Mohave County, Arizona, 5th by population among the state's 15 counties and county equivalents. Spread over 13,332 square miles, that works out to roughly 16.5 residents per square mile. Mohave County counts toward the Lake Havasu City-Kingman, AZ metro in the 2023 OMB delineation, so regional figures for Lake Havasu City-Kingman, AZ include it. Lake Havasu City (58,359 people) heads the county's list of 46 Census places, 4 incorporated and 42 census-designated.
Earnings across Mohave County households
At $57,684, the typical Mohave County household income is 12% below the median U.S. county ($65,681). In the state ranking that is 11th of 15.
| Household income | Mohave County | vs Arizona |
|---|---|---|
| Under $35,000 | 30.2% | +10.1 pts |
| $35,000 to $99,999 | 45.1% | +4.6 pts |
| $100,000 to $199,999 | 19.1% | -8.8 pts |
| $200,000 or more | 5.7% | -5.9 pts |
On the low end, 30% of Mohave County households report under $35,000; at the top, 25% report $100,000-plus. 16.1% of residents fall below the federal poverty line (statewide: 12.5%). The Gini index of income inequality is 0.470 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Mohave County median.
Jobs and commutes in Mohave County
By the Census industry count, 21% of employed Mohave County residents work in education and health care and 14% in arts, lodging and food service. Relative to Arizona (10%), arts, lodging and food service is 5 points bigger in Mohave County (14%). Averaged over the five survey years, 7.3% of the labor force was out of work and looking. About 76% drive to work alone and 10% have trips of 45 minutes or more.
| Industry (employed residents 16+) | Mohave County | Gap to Arizona |
|---|---|---|
| Education and health care | 20.8% | -1.3 pts |
| Arts, lodging and food service | 14.3% | +4.8 pts |
| Retail trade | 13.2% | +1.4 pts |
| Professional and administrative services | 9.4% | -3.2 pts |
| Construction | 8.6% | +0.8 pts |
| Finance, insurance and real estate | 7.0% | -1.8 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Mohave County's most unusual numbers
- Few Arizona counties match Mohave County on the share of adults with a bachelor's degree: 15% here, 33% for the state, ranking 3rd lowest of 15. No degree is required for a personal loan; documented income is.
- Few Arizona counties match Mohave County on median age: 53.6 here, 39.0 for the state, ranking 3rd highest of 15. Older borrowers often rely on fixed incomes, so a fixed payment helps.
- On the share of mobile homes, Mohave County sits near the top of Arizona at 24.4%, 3rd highest of 15. Manufactured homes often do not qualify for home equity loans, so unsecured loans fill the gap.
What it costs to live in Mohave County
A typical Mohave County rental runs $1,091 a month including utilities, which is 29% below Arizona. Rent takes 30% or more of income for 49% of renter households here. With a median value of $281,000, a typical Mohave County house costs 4.9 times what the median household earns in a year. Homeowners 74%, renters 26%. Median construction year: 1995. Against the median U.S. county, Mohave County rent is 24% above.
| Measure | Mohave County | Arizona | Gap |
|---|---|---|---|
| Mobile homes | 24.4% | 9.3% | +15.1 pts |
| Owners | 74% | 67% | +6.7 pts |
| Burdened owners | 34% | 28% | +6.1 pts |
| Median gross rent | $1,091/mo | $1,543/mo | 29% lower |
| Median home value | $281,000 | $394,500 | 29% lower |
| Rent-burdened renters | 49% | 51% | -2.5 pts |
At a $281,000 median value, many Mohave County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
Cities, towns and CDPs in Mohave County
201,399 of Mohave County's 220,517 residents live in its 46 Census places (91%); the 14 largest are listed. Among places of 500 or more people, median income runs from $25,996 in Dolan Springs to $167,872 in Centennial Park. Median rent ranges from $493 in Arizona Village to $2,420 in Colorado City. No Mohave County place has a separate guide yet; this county page serves all 46.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Lake Havasu City | city | 58,359 | $70,148 | $1,320 | 90 mi |
| Bullhead City | city | 42,496 | $50,556 | $1,079 | 61 mi |
| Kingman | city | 34,375 | $61,792 | $1,058 | 38 mi |
| Fort Mohave | CDP | 15,715 | $64,815 | $1,010 | 68 mi |
| New Kingman-Butler | CDP | 13,993 | $40,949 | $1,018 | 35 mi |
| Golden Valley | CDP | 8,567 | $42,585 | $1,134 | 45 mi |
| Desert Hills | CDP | 2,944 | $62,361 | n/a | 88 mi |
| Colorado City | town | 2,702 | $64,167 | $2,420 | 96 mi |
| Mohave Valley | CDP | 2,555 | $60,134 | $1,299 | 73 mi |
| Valle Vista | CDP | 2,369 | $46,161 | $950 | 22 mi |
| Centennial Park | CDP | 1,839 | $167,872 | n/a | 96 mi |
| Beaver Dam | CDP | 1,624 | $72,650 | $901 | 83 mi |
| Golden Shores | CDP | 1,555 | $44,077 | $939 | 77 mi |
| Meadview | CDP | 1,517 | $26,490 | n/a | 25 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Nearby counties: income, rent, ownership
Clark County is closest, 79 miles from center to center; the sixth, Lincoln County, is 146 miles off. 5 of the six report a higher median household income than Mohave County; Washington County is highest at $80,632 and La Paz County lowest at $49,478. Some neighbors are in Nevada and Utah. Lender licensing is state by state, so a loan for a Mohave County resident follows Arizona rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Mohave County | - | $57,684 | $1,091/mo | 74% |
| Clark County, NV | 79 mi | $76,472 | $1,626/mo | 58% |
| Yavapai County, AZ | 100 mi | $69,613 | $1,351/mo | 75% |
| Washington County, UT | 108 mi | $80,632 | $1,566/mo | 72% |
| Coconino County, AZ | 111 mi | $72,966 | $1,473/mo | 60% |
| La Paz County, AZ | 138 mi | $49,478 | $802/mo | 72% |
| Lincoln County, NV | 146 mi | $72,307 | $919/mo | 75% |
What the numbers mean for Mohave County borrowers
A few patterns in the Mohave County data, and the practical point behind each:
- Manufactured homes. 24% of Mohave County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Age 53.6 at the median. Many Mohave County applicants document income with award letters; ask about early payoff.
- Mohave County rent burden. 49% of renters are cost-burdened; ask your landlord about a payment plan before borrowing for rent.
Debt-to-income, Mohave County edition
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Mohave County household at the medians it works out like this; treat it as an illustration only.
- $4,807 a month: gross income for a household at the Mohave County median
- Housing at the median rent of $1,091 uses 23%
- At 35%, room after rent is $591 a month
- At 45%, room after rent is $1,072 a month
Two-income households and single earners in Mohave County land in very different places on this math, so run it for your own budget.
People and households in Mohave County
15% of Mohave County adults 25 and older hold a bachelor's degree or more. Health coverage gaps: 9.5% of Mohave County residents are uninsured.
| Measure | Mohave County | Gap to Arizona | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 15.2% | -18.1 pts | -6.9 pts |
| Median age | 53.6 | +14.6 yrs | +12.1 yrs |
| Work from home | 9.1% | -9.3 pts | +0.4 pts |
| Poverty rate | 16.1% | +3.6 pts | +2.9 pts |
| Unemployment (ACS) | 7.3% | +2.2 pts | +2.8 pts |
| No vehicle | 3.9% | -1.5 pts | -1.5 pts |
| No high school diploma | 11.9% | +1.3 pts | n/a |
| No health insurance | 9.5% | -1.0 pts | +1.7 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 47.9% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 9.2% |
| 45 to 59 min | 4.2% |
| 60+ min | 5.8% |
Before you sign
Steps that save money for Mohave County residents:
- Get a written quote for whatever you are paying for in Mohave County.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in Arizona.
- Pick the shortest term whose payment still fits.
Arizona rules that apply in Mohave County
Licensing happens at the state level, so a lender working with Mohave County borrowers answers to the Arizona Department of Insurance and Financial Institutions. A CFPB complaint gets forwarded to the company for a response. See the Arizona state guide for the statewide picture.
Other Arizona guides
No city in Mohave County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Mohave County earn?
The median is $57,684; 25% earn $100,000 or more and 30% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Mohave County?
Median gross rent, utilities included, is $1,091 a month; 49% of renters spend 30% or more of income on it.
Should Mohave County homeowners use home equity instead?
Maybe, but weigh the risk: 74% of Mohave County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Is Topock covered?
Yes. Topock is one of 46 Census places in Mohave County, and this guide covers all of them.
Does living in Mohave County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Mohave County resident as anyone. Lenders decide under fair-lending law.