Real Estate Investing in Moffat, Colorado (81143)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81143 (Moffat, CO)? Our answer, based on the numbers below.
Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 21.7% of homes vacant — above national norms.
- Declining values: -1.9% 5-year CAGR — values have moved lower.
- 1-year downturn: Values declined 5.0% in the last year.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Moffat, CO (81143)?
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Market Analysis: 81143 Moffat
Looking more closely, ZIP 81143 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $133K median. It rewards specialists, not generalists.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $133K asset, 81143 is the wrong submarket. If the plan prices in friction, the yield can still work.
In the broader CO picture, 81143 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Who lives in 81143 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 81143 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Moffat:
Market Trends
Home Value History (with trend line)
📊 How Does 81143 Compare?
| Metric | 81143 | Moffat | Colorado |
|---|---|---|---|
| Home Value | $132,997 | $132,997 | $535,778 |
| 5-Year CAGR | N/A | N/A | 4.9% |
| Avg Rent | $1,116 | $1,116 | - |
| Cap Rate | 6.6% | 6.6% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81143 (Moffat, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $132,997 |
| Monthly Rent | $1,116 |
| Price-to-Rent | 9.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 10.1% |
| Cap Rate | 6.6% |
| 5-Year IRR | 4.6% |
📈 Home Appreciation
| 1-Year | -5.0% ▼ |
| 3-Year CAGR | -3.6% ▼ |
| 5-Year CAGR | -1.9% ▼ |
| 10-Year CAGR | +4.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.6%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 81143
Population: 737
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 81143
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
Frequently Asked Questions
What type of investing works in Moffat, CO?
For Moffat, CO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How strict are landlord regulations in Moffat, CO?
CO law landlord-friendly for landlords, and Moffat inherits those rules. Investors should still review local ordinances for rental licensing.
What is the investability score for Moffat, CO?
Moffat, CO scores 3.0/5 for investability. Home values sit at $133K and rents near $1,116/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Are there empty rentals in Moffat, CO?
Expect elevated vacancy in Moffat, CO. Rents at $1,116/mo are absorbed by the tenant base without meaningful lag.
What does house hacking look like in Moffat, CO?
Moffat, CO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $133K price point reasonable to enter.
You know 81143 now. You don’t know where it ranks.
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