Moffat County, Colorado home prices
Typical home $299,145 · -0.4% in a year · property tax 0.4%
The typical home in Moffat County is worth $299,145, 43% less than the Colorado typical home ($529,013). Values changed -0.4% in the past year and +34.3% over five years. Homeowners here pay a median 0.4% of their home's value in property tax each year ($1,184 on the typical home), versus 0.52% statewide.
Mortgage on the typical Moffat County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,829 | $239,316 | $1,610 | $0 | $248 | $1,858 | $79,600 |
| 10% down | $29,914 | $269,230 | $1,811 | $112 | $248 | $2,172 | $93,100 |
| 5% down | $14,957 | $284,188 | $1,912 | $118 | $248 | $2,278 | $97,600 |
| 3.5% down (FHA) | $10,470 | $293,727 | $1,976 | $132 | $248 | $2,356 | $101,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.4% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Colorado · part of the Craig metro area.
Colorado counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dolores County | $307,256 | +2.8% | 0.27% |
| Pueblo County | $282,303 | -2.3% | 0.5% |
| Alamosa County | $319,782 | +2.5% | 0.43% |
| Rio Grande County | $320,612 | +1.5% | 0.39% |
| Morgan County | $324,520 | -0.6% | 0.52% |
| Yuma County | $272,569 | +3.0% | 0.47% |
| Rio Blanco County | $326,192 | +2.6% | 0.33% |
| Huerfano County | $264,499 | -1.6% | 0.28% |
| Fremont County | $333,916 | -1.2% | 0.36% |
| Logan County | $252,455 | +1.0% | 0.46% |
Frequently asked questions
What is the average home price in Moffat County, CO?
The typical home value in Moffat County is $299,145 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Moffat County?
About $79,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Moffat County?
The median effective rate is 0.4% of home value a year (Census ACS 2024 5-year estimates).