1st Advantage MortgageMoffat County households have a median income of $73,849 and median rent of $1,039 a month (ACS 2020 to 2024). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Moffat County
- Paychecks and income spread in Moffat County
- Renting and owning in Moffat County
- The Moffat County job picture
- Counties near Moffat County
- The communities that make up Moffat County
- Moffat County residents: age, schooling, coverage
- Borrowing situations common in Moffat County
- Debt-to-income at Moffat County's medians
- Lender oversight for Moffat County
- Four steps for Moffat County borrowers
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Moffat County
Roughly 13,207 residents live in Moffat County, Colorado, 35th by population among the state's 64 counties and county equivalents. Land area is 4,743 square miles (2024 Gazetteer), so density runs near 3 per square mile. No metropolitan area includes Moffat County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 3 Census places inside Moffat County, Craig leads by population with about 8,991; 2 of the 3 are incorporated.
Paychecks and income spread in Moffat County
At $73,849, the typical Moffat County household income is 12% above the median U.S. county ($65,681). Only 30 Colorado counties post a higher median.
| Income band | Share in Moffat County | Difference from Colorado |
|---|---|---|
| Under $35,000 | 20.7% | +4.3 pts |
| $35,000 to $99,999 | 42.4% | +6.5 pts |
| $100,000 to $199,999 | 32.9% | +2.1 pts |
| $200,000 or more | 4.0% | -12.9 pts |
Some 21% of households here live on less than $35,000 a year; 37% have six-figure incomes. 8.4% of residents fall below the federal poverty line (statewide: 9.4%). Income inequality, measured by the Gini index, comes to 0.391 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Moffat County median.
Renting and owning in Moffat County
A typical Moffat County rental runs $1,039 a month including utilities, which is 41% below Colorado. Rent takes 30% or more of income for 33% of renter households here. The median owner-occupied home is valued at $289,500, about 3.9 times the median household income. The ownership rate is 69%. Median construction year: 1977.
| Cost | Moffat County | Colorado figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,039/mo | $1,761/mo | $877/mo |
| Median home value | $289,500 | $539,400 | $185,300 |
| Owners | 69% | 66% | 75% |
| Rent-burdened renters | 33% | 53% | 45% |
| Burdened owners | 34% | 30% | n/a |
| Mobile homes | 20.6% | 3.5% | n/a |
| Vacant units | 12% | 8% | n/a |
The Moffat County job picture
The biggest employer of Moffat County residents, by industry, is education and health care at 26% of workers, followed by construction (14%). The sharpest difference from the state is in agriculture, forestry and mining, at 9% locally and 2% for Colorado. ACS puts five-year average unemployment at 4.5% in Moffat County. Long commutes are common here: 20% of workers spend 45 minutes or longer getting to work. 4.6% of households have no vehicle.
| Sector | Moffat County | Compared with Colorado |
|---|---|---|
| Education and health care | 25.6% | +3.7 pts |
| Construction | 14.2% | +6.2 pts |
| Retail trade | 12.3% | +2.1 pts |
| Agriculture, forestry and mining | 9.1% | +7.3 pts |
| Transportation, warehousing and utilities | 8.5% | +3.2 pts |
| Arts, lodging and food service | 8.3% | -0.7 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Counties near Moffat County
The six counties whose centers lie closest to Moffat County's, from 44 to 80 miles away. 3 of the six report a higher median household income than Moffat County; Routt County is highest at $106,489 and Rio Blanco County lowest at $65,473. Some neighbors are in Utah and Wyoming. Lender licensing is state by state, so a loan for a Moffat County resident follows Colorado rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Moffat County | - | $73,849 | $1,039/mo | 69% |
| Rio Blanco County, CO | 44 mi | $65,473 | $919/mo | 74% |
| Routt County, CO | 65 mi | $106,489 | $1,917/mo | 76% |
| Daggett County, UT | 70 mi | $66,000 | $900/mo | 82% |
| Garfield County, CO | 72 mi | $91,131 | $1,637/mo | 70% |
| Uintah County, UT | 76 mi | $73,746 | $941/mo | 74% |
| Sweetwater County, WY | 80 mi | $75,034 | $911/mo | 75% |
The communities that make up Moffat County
The table lists the 3 largest of 3 Census places in Moffat County, by population. Together all 3 hold about 9,533 people, so roughly 28% of residents live outside any named place. No Moffat County place has a separate guide yet; this county page serves all 3.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Craig | city | 8,991 | $72,636 | $1,045 | 35 mi |
| Dinosaur | town | 507 | $51,032 | $872 | 49 mi |
| Maybell | CDP | 35 | n/a | n/a | 9 mi |
Moffat County residents: age, schooling, coverage
Degree holders: 19% of adults over 25. About 10% go without health insurance.
| Residents | Moffat County | Colorado | Middle U.S. county |
|---|---|---|---|
| Median age | 40.1 | 37.7 | 41.5 |
| Bachelor's or higher | 19.4% | 45.7% | 22.2% |
| No high school diploma | 9.1% | 7.1% | n/a |
| No health insurance | 9.7% | 7.7% | 7.8% |
| No vehicle | 4.6% | 5.2% | 5.4% |
| Work from home | 4.3% | 21.0% | 8.7% |
| Poverty rate | 8.4% | 9.4% | 13.2% |
| Unemployment (ACS) | 4.5% | 4.6% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 58.5% |
| 15 to 29 min | 16.7% |
| 30 to 44 min | 5.2% |
| 45 to 59 min | 6.4% |
| 60+ min | 13.3% |
Borrowing situations common in Moffat County
The county's numbers point to a few situations that come up often for Moffat County borrowers.
- Keeping the car running. At 20% with long commutes, repairs are a frequent Moffat County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 21% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Debt-to-income at Moffat County's medians
How much room does a median Moffat County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Moffat County: $6,154
- Less median rent of $1,039, which is 17% of it
- With a 36% ceiling, about $1,176 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Lender oversight for Moffat County
The Colorado Division of Banking is the place to verify any lender's Colorado license. The Colorado Attorney General's office, which administers the state's Uniform Consumer Credit Code handles consumer-credit questions as well. A CFPB complaint gets forwarded to the company for a response. The Colorado guide covers state rules in more detail.
Four steps for Moffat County borrowers
A short checklist for Moffat County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Colorado.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
The Colorado guide covers the whole state.
Frequently asked questions
Is Moffat County a high-income county?
Its $73,849 median ranks 31st of 64 Colorado counties and compares with $65,681 for the median U.S. county.
Is Moffat County expensive for renters?
Median rent is $1,039 against $1,761 statewide, and 33% of renter households are cost-burdened.
I live in a small Moffat County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Craig, Dinosaur, Maybell.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Moffat County or elsewhere in Colorado, the same rules apply.
Is there a Moffat County office that licenses lenders?
No, licensing is statewide. In Colorado it is the Colorado Division of Banking.