Cost of Living in Moffat County, Colorado
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Moffat County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Moffat County ranks #2,298 of 3,144 counties for affordability (bottom 27%)
Data Story
About Cost of Living in Moffat County, Colorado
Moffat County punches above its weight
Moffat County renters spend just 17.8% of income on housing—well below the national norm and comfortably under the 30% affordability threshold. At $70,975, median household income nearly matches the U.S. average of $74,755, creating strong housing stability relative to wage levels.
Colorado's most rental-friendly county
Moffat County ranks among Colorado's best for affordability, with a rent-to-income ratio of 17.8%—nearly 3 percentage points below the state average of 20.2%. Its median rent of $1,051 is 16% cheaper than Colorado's median, despite incomes that align with state norms.
Better balance than Mineral or Montrose
Moffat County's $1,051 rent sits between Mineral County's bargain at $903 and Montrose's premium at $1,120, but its higher income of $70,975 gives renters the strongest affordability cushion. This combination—competitive rent plus above-average wages—makes Moffat a standout in northwest Colorado.
Rent stays lean, ownership costs rise
Renters here spend $1,051/month while homeowners invest $1,173, a modest gap reflecting moderate home values of $262,500. The true strength lies in income: at $70,975, monthly housing costs represent just 17-20% of earnings, leaving robust room for savings and discretionary spending.
Sweet spot for work-life balance
Moffat County offers one of Colorado's best rent-to-income ratios (17.8%) paired with decent wages, ideal for workers seeking rural lifestyle without financial strain. If you're comparing options, Moffat outperforms Mineral on income stability while staying competitive on rent against mountain counties.
Cost of Living Advisory: Moffat County
Affordability Verdict
For renters in Moffat County, the market is affordable. Expect to pay around $1,051/month in gross rent, with 24.0% of renter households considered cost-burdened.
Rent vs. Own
At $1,051/month rent versus $1,173/month in owner costs, renting is roughly $122/month cheaper — a 10% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $42,040/year. For owner costs at the 28% rule, the required income is roughly $50,271/year. With a median household income of $70,975, most households can comfortably afford rent here. Notably, 24.0% of renter households in Moffat County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Moffat County sits 6% more expensive than Washington County ($991/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Moffat County
Rent Burden
17.8%
of gross income
Max Housing (28% Rule)
$1,656
per month
Owner Cost Burden
19.8%
of gross income
The median home in Moffat County may be a stretch
Median home value is $262,500. Estimated monthly cost: $2,096 vs. your max of $1,656.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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