Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$299,145−0.4% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$64,848About 0.9× the local median income ($74,252): affordable for a typical household
Days on market90 daysFaster than a year ago: sellers have the edge
The typical home in Moffat County, CO is worth $299,145, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $250,627, so the area is 19.4% overvalued. It is a buyer's market: homes take about 90 days to sell, listings are up 28% from a year ago, 16% of listings have had a price cut. A household needs about $64,848 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $74,252. In the latest IRS figures, 50 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$299,145
Change in 1 year
−0.4%
Overvalued %
+19.4%
Show 6 more
Fair home value
$250,627
Change in 5 years
+34.3%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$1,621
Income needed to afford it
$64,848
Property tax rate
0.40%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,225
Market activity
Listings vs a year ago
+28.4%
Days on market
90
Listings with a price cut
16.3%
Show 3 more
Homes for sale
104
Pending sales per 100 listings
23
Asking price per sq ft
$199
People and jobs
Median household income
$74,252
Population change (1 year)
−1.4%
Unemployment rate
4.5%
Show 4 more
Population
13,122
Income adjusted for cost of living
$76,156
Net moves in (IRS)
+50
Cost of living (US = 100)
97.5
Schools, risk and environment
School rating (1 to 10)
3.6
FEMA hazard risk score (0 to 100)
12.1
Unhealthy air days a year
1
Show 4 more
Flood risk score
30.7
Wildfire risk score
87.5
Walkability (1 to 20)
6.3
Road, rail and air noise
53 dB
Questions people ask
Is Moffat County, CO overvalued?
Home prices in Moffat County, CO are well above what local incomes have historically supported: fair value is about $250,627, so the area is 19.4% overvalued.
Is Moffat County, CO a buyer's or seller's market?
Moffat County, CO is a buyer's market: homes take about 90 days to sell, listings are up 28% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Moffat County, CO?
Home values in Moffat County, CO are down 0.4% over the last year.
How much do you need to earn to buy a home in Moffat County, CO?
A household needs about $64,848 a year to afford the typical home in Moffat County, CO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $74,252.