US Metro Real Estate Intelligence
Rankings/Lake Havasu City-Kingman, AZ

Lake Havasu City-Kingman, AZ

NeutralTier 1CBSA 29420Compare
Risk Rank: #123 of 287Month: 2025-12Score change (12m): -9
51score
Composite risk percentile vs 287 metros (higher = higher risk)

Executive Summary

Lake Havasu City's housing market shows average risk, ranking 123rd of 287 metros. The market recently entered Recovery. Inventory is growing moderately (+14% YoY) with stable liquidity. Early signs of stabilization — conditions may favor patient buyers.

Lake Havasu City experienced a market correction from mid-2025 through mid-2025. The market is currently recovering.

Inventory is growing at a moderate +14% pace with homes taking +1% longer to sell — within normal ranges.

Rent growth is roughly keeping pace with price appreciation, suggesting valuations are not stretched.

Cycle Phase

RecoveryExpansionHypersupplyRecession
2 months in current phase·from Recovery

Market conditions are rebuilding after a correction period

2019202020212022202320242025

Key Dynamics

Risk is primarily driven by affordability and permits per capita, while price momentum provides the most support.

Top Drivers

Affordabilityp99
Mortgage payment / income
Permits per Capitap87
Permits per 1,000 residents
Employmentp86
12-month employment change (risk inverted)

Market Signals

Inventory is growing at a moderate +14% pace with homes taking +1% longer to sell — within normal ranges.

Liquidity

Stable
Active Listings YoY
+14.4%p64
Days on Market YoY
+1.3%p50
Months in status1
Data through Dec 2025

Valuation

Balanced
Rent vs. Price Growth
+2.1%p87
Months in status37
Data through Dec 2025Rent growth vs price growth (rent support). Note: Affordability and Valuation measure different structural dimensions and can diverge.
Factor Details
Lower riskHigher risk
Low RiskBelow AvgNeutralElevatedHigh Risk
Price MomentumLow Risk
+0.1%p8

12-month HPI change — higher = overheating

Permit GrowthLow Risk
-25.7%p12

YoY permit change — higher = supply pressure

Permits per CapitaHigh Risk
8.60p87

Permits per 1,000 residents — higher = overbuilding risk

AffordabilityHigh Risk
0.40p99

Mortgage payment / income — higher = more burdened

EmploymentHigh Risk
-0.5%p86

12-month employment change (risk inverted)

MigrationLow Risk
+$170Kp16

Net AGI migration (risk inverted)

National Context

Credit Conditions

Credit Regime

Stable

Healthy recovery. Credit is flowing normally and transactions are steady — conditions favor continued rebuilding.

Bank Lending Standards
-5.7Normal
Rate Change (YoY)
-74 bpsNormal
Mortgage Risk Premium
+191 bpsElevated
Stable for 8 quartersData through 2026-Q1

Supply Pipeline

Supply Regime

Accumulating

Supply pipeline is building up while credit remains available. New units are accumulating in the system — watch for delivery pressure in coming quarters.

Pipeline Ratio
0.92High
Completion-Permit Divergence
+1.9 ppNormal
Accumulating for 4 quartersData through 2026-Q1
Local Signals

Metro Permit Activity

Permit Activity

Sharp Cooling
YoY Permit Growth
-25.7%Significant pullback

Raw signal — not the composite percentile

Relative to 2016–2019 norms for this metro

Significant supply pullback into healthy demand. A supply constraint is forming — pricing power is shifting to existing inventory holders.

Employment Concentration

Employment

Moderate
Largest SectorRetail Trade 17.8%
QCEW 2024 annual averages
Internal Structure

County-level structural analysis.

County-level structural analysis is not available for this metro due to fewer than 3 qualifying counties.

Score History
MonthScore
2025-1161
2025-1057
2025-0863
2025-0762
2025-0560
2025-0371
2025-0270
2024-1260
2024-0962
2024-0859
2024-0662
2024-0558
2024-0459
2024-0250
2023-1164
2023-0959
2023-0758
2023-0558
2023-0362
2023-0160
2022-1154
2022-0966
2022-0869
2022-0667
2022-0367
2022-0267
2021-1268
2021-1170
2021-0966
2021-0669
2021-0467
2021-0264
2021-0164
2020-1163
2020-1064
2020-0863
2020-0563
2020-0367
2019-1272
2019-1071
2019-0866
2019-0769
2019-0566
2019-0263
2019-0162
Data Vintages
Price (HPI)2025-Q4
Permits2026-01
Income2024
Employment2025-12
Migration2023