Market Overview
Home Prices in Moffat, CO
The median home value in Moffat, CO is $149,588 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 10.8% compared to a year ago and up 4.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Moffat are priced64% below average.
Over the past five years, Moffat home values have fallen by approximately9.2%, reflecting softening conditions in this market.
Price History
Moffat Home Price Trend
2020
$124,229
$124K
—
2021
$164,808
$165K
+32.7%
2022
$191,109
$191K
+16.0%
2023
$173,696
$174K
-9.1%
2024
$159,895
$160K
-7.9%
2025
$167,705
$168K
+4.9%
2026
$149,588
$150K
-10.8%
City Comparison
Moffat vs. National Median
🏠 Moffat
$149,588
National Median
$410,000
At $149,588, homes in Moffat cost 64% below the national median of $410,000. This makes Moffat a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Moffat?
20% Down Payment
$29,918
on $149,588
Monthly P&I
$780/mo
30-yr @ 6.8%
Total Monthly Est.
~$991/mo
incl. taxes & insurance
Income Needed
$39,640
gross annual (30% rule)
10% Down Option
$14,959
+ PMI applies
Loan Amount (20% dn)
$119,670
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Moffat, CO?
The median home value in Moffat is $149,588 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 10.8% year-over-year.
How much have home prices changed in Moffat?
Over the past year, home values in Moffat have decreased by 10.8%. Over five years, prices have fallen approximately 9.2%.
How much do I need to earn to buy a home in Moffat?
To comfortably afford the median home price of $149,588 with a 20% down payment ($29,918) at today's rates (6.8%), you'd need a gross annual income of approximately $39,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Moffat compare to the national average home price?
The national median home value is approximately $410,000. At $149,588, homes in Moffat are 64% below the national average.