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
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.
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
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.