Moffat, Colorado.
Typical home $184,748 (-26.9% in a year).
to buy the typical home at today's mortgage rate — +$320 (+49%) since Jan 2020.
- 1 year
- Down $67,821 -27%
- $252,570$184,748 since Sep 2025
- 5 years
- Down $71,753 -28%
- $256,501$184,748 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Moffat$970
- Colorado$2,777
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Moffat, CO fell 26.9% over the past year — slower than the nation's +1.2%.
Living in Moffat, Saguache County, Colorado
Moffat is a town of 108 people in Saguache County. Unemployment in Saguache County was 4.9% in August 2026, and the county had 5.5% fewer jobs in 2025 than the year before. The most people in Saguache County work in schools and health care, then farming.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Moffat is a very small town in Saguache County, in the San Luis Valley of south-central Colorado. Its size means life here is quiet, and people tend to know one another. Winters are colder than most of the country, with a good deal of snow, and summers are warm.
Work. Many residents work in schools, hospitals and social care, in farming, forestry and mining, in local shops, or in government. Across Saguache County, work has been harder to find lately, as the county had fewer jobs over the last year than the year before and unemployment has crept up.
Things to do. Saguache Creek, a river a short drive away, is the closest place to spend time outdoors. Great Sand Dunes National Park and Preserve, a national park a longer drive away, is the best known of the places listed nearby. The Saguache County Museum, a museum a longer drive away, shows the history of the county.
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What people in Saguache County work in
Employed residents by industry, from the Census survey. Saguache County had 1,670 jobs in 2025, 5.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 9°; warmest in July, with highs near 82° and lows near 50°. About 59 inches of snow and 12 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Crestone Southeast weather station, 12 miles away (NOAA).
Largest workplaces in Saguache County
- Center Consolidated School District No. 26 Jt. of the countSchool district104FTE
- Prime PackingProduce, fresh, merchant wholesalers77
- Moffat School District No. 2 in the county of Saguache andSchool district53FTE
- Aspen ProduceVegetables, fresh, merchant wholesalers42
- Mountain Valley School District No. Re 1School district41FTE
- Power Zone EquipmentOil measuring and dispensing pumps manufacturing28
- Ponderosa PartnershipBeef cattle ranching or farming23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 170 people in all across the county; Moffat has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- LandslidesRelatively high
- DroughtRelatively high
- Inland floodingRelatively high
- Winter weatherRelatively high
- WildfireRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Moffat’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Saguache County.
Moffat home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Moffat$184,748
- Colorado$529,013
- United States$366,157
Sellers are cutting prices on about 1 in 5 Moffat listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Moffat20.27%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Moffat25
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Moffat address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Moffat — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.