The typical owner-occupied home in Moffat is worth about $168,800, 69% below the Colorado median of $539,400 and 49% below the national median of $332,700. Owners pay a median $620 a year in property taxes, about 0.37% of their home's value, lower than the Colorado rate of 0.48%. 28% of occupied homes here are lived in by their owners, and 22% of those owners still have a mortgage.
Moffat at a glance
| Moffat | Colorado | U.S. | |
|---|---|---|---|
| Median home value | $168,800 | $539,400 | $332,700 |
| Median property tax paid per year | $620 | $2,602 | $3,119 |
| Property tax as a share of value | 0.37% | 0.48% | 0.94% |
| Median household income | – | $95,470 | $80,734 |
| Homes lived in by their owners | 28% | 66% | 65% |
| Owner homes with a mortgage | 22% | 69% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,326 | $1,963 |
| Median rent | $1,523 | $1,761 | $1,413 |
| Rent as a share of renters' income | 29.6% | 31.4% | 30.6% |
| Median year homes were built | 1974 | 1988 | 1980 |
| Vacant homes | 5.9% | 8.3% | 10.1% |
| Population | 54 | 5,862,189 | 334,922,499 |
What a typical home costs per month in Moffat
At this week's average 30-year rate of 7.11%, buying the median Moffat home of $168,800 with 20% down costs about $1,031 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,312, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $44,177 for the 20%-down payment.
The median rent here is $1,523 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $33,760 |
|---|---|
| Loan amount | $135,040 |
| Principal and interest | $908 |
| Property taxes (0.37% a year) | $52 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| PMI | $0 |
| Total per month | $1,031 |
Change the numbers in the calculator
| Down payment | $5,908 |
|---|---|
| Loan amount | $165,743 |
| Principal and interest | $1,115 |
| Property taxes (0.37% a year) | $52 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| FHA mortgage insurance | $75 |
| Total per month | $1,312 |
Change the numbers in the calculator
Questions about home buying in Moffat
What is the median home value in Moffat?
About $168,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moffat?
Homeowners pay a median $620 a year, which is about 0.37% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Moffat?
For the median home with 20% down at 7.11%, the payment is about $1,031 a month. Keeping that under 28% of gross income takes about $44,177 a year.
More about Moffat
- Mortgage Refinance in Moffat
- Debt Relief in Moffat
- Home Equity Loans in Moffat
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data