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Moffat town, CO

ZIP 81143 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 81143

Median Home Value
$159,400
Median Rent
$613
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,024/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 81143 in Moffat town, CO, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,024. That is roughly in line with the local median household income ($43,056). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.3%+21% vs US avg
x
Vacancy Rate
18.1%+76% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
65.8%+72% vs US avg
x
$159,400
Home Value
$613
Rent
2002
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.1%
  • 1-unit attached0.0%
  • 2-9 units5.7%
  • 10+ units0.0%
  • Mobile home & other22.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,400
Median rent$613
Owner-occupied79.3%
Vacant18.1%
Price-to-income3.7x
Est. income to buy$44,000