ZIP Code 81143 — Moffat town, CO Demographics & Data

ZIP code 81143 covers Moffat, CO in Saguache County with a population of about 737.

At a glance, the area shows median age of 61.3 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-3; the DENVER media market.

Moffat, CO reads as a military / base-oriented community on US5’s intent model (elevated veteran share (23.1%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 81143 is about $43,056 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.5%; unemployment rate near 15.3%; 19.8% of adults with a bachelor’s degree or higher (about 13.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Other services, and Healthcare; about 17.6% of workers reporting work-from-home (about 2.4 points above the U.S. share (15.2%)); a mean commute of about 169.0 minutes (U.S. average near 26.8).

Median home value is about $159,400 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $613 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 79.3% (about 13.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 81143 in Moffat, 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.

FEMA’s National Risk Index rates natural-hazard risk for Moffat town, CO as Very Low (composite score 14.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (64.1) and flood (17.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Moffat town, CO show little to no average snow and around 12.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 81143 (Moffat town, CO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.