Financial Literacy in Moffat County, Colorado

About 13,142 people live in Moffat County, Colorado. The population has declined 1% since 2020, from 13,269 to 13,142. The median age is 37.9.

21% of Moffat County residents 25 and older have completed a bachelor's degree or more. That sits 8.3 points below the Colorado average of 29.3%. Put the other way round: of the 9,055 adults 25 and over counted in the 2019–2023 ACS, roughly 7,153 — 79% — are building their financial lives without a four-year degree behind them.

The typical household here earns $70,975 a year. About 11.7% of residents live below the poverty line. The median home is valued at $262,500 — about 3.7× the median household income, a ratio that makes the arithmetic of a mortgage worth understanding before signing one.

Moffat County by the numbers

Measure	Value
Population (2024)	13,142
Change since 2020	-1%
Median household income	$70,975
Adults 25+ with a bachelor’s degree	21%
Adults 25+ with a high school diploma	91.5%
Median age	37.9
Poverty rate	11.7%
Unemployment rate	4%
Median home value	$262,500
Land area	4,743.244 sq mi
Population density	3 / sq mi

What Colorado teaches — and to whom

Colorado has committed to 1 semester of personal finance as a graduation requirement, phasing in with the class of 2030 — so today's middle schoolers will be the first cohort held to it. That covers students still in the system. It does nothing for the adults already out of it — which, in Moffat County, is most of the people reading this.

LearnLife organises this the way the decisions actually arrive: Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Emotional regulation — the self-management that decides whether the other skills ever get used.

Where to start in Moffat County

Start with the money that moves every month

For most households in Moffat County, the fastest gain is not an investing strategy — it is seeing the recurring outflows clearly, knowing what a credit score actually responds to, and understanding which line items on a payslip are negotiable.

Questions people ask about Moffat County

Do high school students in Moffat County, Colorado have to take a personal finance class?

Yes — Colorado has adopted a standalone requirement, phasing in with the graduating class of 2030. Students graduating before then are not covered.

How many adults in Moffat County, Colorado have a college degree?

21% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 79% are managing their finances without one.

What is the median household income in Moffat County, Colorado?

$70,975, per the Census Bureau's 2019–2023 American Community Survey.

Where can adults in Moffat County, Colorado learn personal finance?

Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.

Start with whichever one is costing you money right now.

Browse the LearnLife catalog

Nearby in Colorado

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Population and demographic figures: U.S. Census Bureau — 2024 Gazetteer, Vintage 2024 Population Estimates, and the American Community Survey 2019–2023 5-year estimates. Graduation-requirement status: NGPF Live U.S. Dashboard, read 2026-09-14. Figures marked as unavailable are suppressed by the Census Bureau for small populations.