Moffat County, Colorado: commercial real estate data.
Moffat County, Colorado had an estimated 13,142 residents on July 1, 2024, down 1.1 percent since the 2020 census base of 13,293, across 4,743 square miles. County output reached $1.25 bn in 2024, 389 establishments operate here, and the SBA record carries 18 7(a) approvals worth $21.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Moffat County
How many people live in Moffat County
- Population, American Community Survey 2020-202413,207
- Households5,390
- Average household size2.45
- Median household income$73,849
- Median age40.1
- Median gross rent$1,039 per month
- Median owner-occupied home value$289,500
- Home value to household income3.9 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over9,149
- Population under 183,197
- Share under 1824.2 percent
- Population 65 and over2,194
- Share 65 and over16.6 percent
- Working age population, 18 to 647,816
- Civilian labor force6,739
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over67.3 percent
- Rank by population among Colorado counties35th of 64
- Rank by population among US county-equivalents, Puerto Rico included2275th of 3,222
Moffat County is the 35th largest of 64 Colorado counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.2 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Moffat County
Is Moffat County's population growing?
- Population, July 1, 202413,142
- Census 2020 base population13,293
- Population change since the 2020 census base-1.14 percent
- Population change, 2023 to 2024-145
- Births, 2024119
- Deaths, 202485
- Natural change, 202434
- Net domestic migration, 2024-175
- Net international migration, 2024-3
- Total net migration, 2024-178
- Cumulative net domestic migration, 2021 to 2024-117
- Rank by growth among US county-equivalents2232nd of 3,144
The county has lost 1.14 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Moffat County
Where are people moving to Moffat County from?
- Tax returns filed by households arriving403
- People arriving, from those returns713
- Tax returns filed by households leaving435
- Net household movement-32
- Adjusted gross income arriving$19.9 m
- Net adjusted gross income movement$-4.0 m
- Average income of an arriving household$49,300
- Average income of a leaving household$54,818
- Largest single originRoutt County (85 households)
- Largest single destinationMesa County (44 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Routt County | 85 | 142 | $4.4 m |
| Mesa County | 25 | 44 | $1.2 m |
Households arriving report $5,518 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Routt County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Moffat County
What is the Moffat County economy?
- County GDP, 2024$1.25 bn
- County GDP, 2023$1.32 bn
- GDP change, 2023 to 2024-5.6 percent
- GDP change over five years14.6 percent
- Rank by GDP among the Colorado areas BEA publishes28th of 64
- Rank by GDP among the US county areas BEA publishes1673rd of 3,127
- GDP per resident$94,375
Output grew -5.6 percent in the latest year and 14.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Moffat County
Employment by industry in Moffat County
- Covered employment, annual average4,705
- Establishments reporting464
- Average annual pay$57,630
- Average weekly wage$1,108
- Retail trade, employment803
- Retail trade, average annual pay$39,117
- Accommodation and food services, employment439
- Accommodation and food services, average annual pay$23,426
- Mining, quarrying, and oil and gas extraction, employment356
- Mining, quarrying, and oil and gas extraction, average annual pay$102,531
- Construction, employment345
- Construction, average annual pay$63,279
- Wholesale trade, employment151
- Other services, except public administration, employment130
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 803 | 63 | $39,117 |
| Accommodation and food services | 439 | 40 | $23,426 |
| Mining, quarrying, and oil and gas extraction | 356 | 9 | $102,531 |
| Construction | 345 | 58 | $63,279 |
| Wholesale trade | 151 | 27 | $63,564 |
| Other services, except public administration | 130 | 28 | $34,737 |
| Professional, scientific and technical services | 110 | 37 | $45,728 |
| Manufacturing | 90 | 11 | $38,696 |
Retail trade is the largest private sector at 803 jobs, 17.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Moffat County
How many businesses are in Moffat County?
- Establishments, all industries389
- Employment at those establishments3,181
- Annual payroll$174.8 m
- Establishments per 1,000 residents29.5
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Moffat County
Building permits in Moffat County
- Housing units authorized by permit, 202416
- Declared construction value permitted$4.4 m
- Single family units authorized16
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$276,768
- Units authorized per 1,000 households3.0
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Moffat County
SBA loans in Moffat County (7(a) and 504)
- 7(a) approvals recorded18
- 7(a) gross approval dollars$21.5 m
- Average 7(a) approval$1,193,017
- Median 7(a) approval$474,150
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)215
- Jobs per approval11.9
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.8 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter10
- Franchise loans3
- Franchise share of approvals16.7 percent
- Leading industry by approval countWater and Sewer Line and Related Structures Construction (3)
- Most active lenderCommunity Banks of Colorado, A Division of NBH Bank (5)
- 504 approvals recorded10
- 504 gross approval dollars$2.9 m
- Average 504 approval$294,000
- Median 504 approval$201,000
- Distinct CDCs active3
- 504 jobs per approval6.8
- 504 jobs per million dollars approved23.1
- Most active CDCB:Side Capital (8)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.4 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Moffat County
SBA loan default and charge-off rates in Moffat County
Do SBA loans in Moffat County get paid back?
- Loans with a final outcome recorded2
- Paid in full1
- Charged off1
- Status: Paid in full1
- Status: Exempt from disclosure14
- Status: Charged off1
- Status: Cancelled2
Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Moffat County
SBA lending by place in Moffat County
- Borrower cities with recorded lending3
- Craig, approvals15
- Maybell, approvals2
- Hamilton, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Craig | 15 | $19,052,200 |
| Maybell | 2 | $1,694,100 |
| Hamilton | 1 | $728,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Moffat County
How large is Moffat County?
- Land area4,743 sq mi
- Rank by land area among Colorado counties2nd of 64
- Width, east to west91.2 mi
- Height, north to south54 mi
- Geographies sharing a boundary6
- Residents per square mile of land3
- Establishments per square mile0.08
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Moffat County
Flood risk in Moffat County
- Participation of the county's own NFIP community Moffat County, unincorporated areasParticipating, community 080270
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Moffat County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Moffat County (community 080270), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Moffat County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 66.7 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Moffat County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Moffat County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202413,207
- Households5,390
- Average household size2.45
- Median household income$73,849
- Median age40.1
Common questions
Moffat County questions, answered from the record.
How many people live in Moffat County, Colorado?
The Census Bureau estimates 13,142 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 13,207, in 5,390 households, ranking 35th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Moffat County's population growing?
The population has fallen 1.14 percent since the 2020 census base of 13,293, to 13,142 on July 1, 2024. In 2024 there were 119 births against 85 deaths, with net migration of -178. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Moffat County?
$73,849. The median owner-occupied home is valued at $289,500, which is 3.9 times income, and median gross rent is $1,039 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Moffat County?
389 establishments, employing 3,181 people with an annual payroll of $174.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Moffat County?
Retail trade is the largest private sector at 803 jobs, 17.1 percent of covered employment. Covered employment averages 4,705 jobs at an average annual pay of $57,630, or $1,108 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Moffat County?
18 7(a) approvals totaling $21.5 m since FY2020, across 11 lenders, with a median approval of $474,150, plus 10 504 approvals worth $2.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Moffat County?
16 housing units were authorized by permit in 2024, with a declared construction value of $4.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Moffat County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Moffat County come from?
The largest single origin is Routt County, with 85 households. Arriving households report an average income of $49,300 against $54,818 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Moffat County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Moffat County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Moffat County
Cities and places in Moffat.
3 Census places lie wholly or partly in Moffat County. All 3 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Craig | city | 8,991 | 15 | Wholly in this county |
| Dinosaur | town | 507 | None recorded | Wholly in this county |
| Maybell | CDP | 35 | 2 | Wholly in this county |
A further 1 of the county's 18 SBA 7(a) approvals are to borrowers in cities that match no Census place in Moffat County, the largest being Hamilton (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.