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Updated 2025 Tax Year

Moffat County
Property Tax Guide

Everything you need to know about property taxes in Moffat County, CO. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
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Tax Rate
Varies by district due to special taxing entities - school, fire, library districts affect total rate
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Section 1

How Property Tax Works

Moffat County, Colorado operates under the state's property tax system, where property taxes serve as a primary funding source for local services including schools, county operations, fire protection, and various special districts. The county follows Colorado's assessment methodology with residential properties assessed at varying rates depending on the taxing entity, and commercial properties typically assessed at higher rates.

Property tax rates in Moffat County vary significantly by location within the county due to different combinations of special taxing districts, including school districts, fire protection districts, library districts, and other local governmental entities. Based on the 2025 tax year data, the county has a total taxable assessed value of $429,266,702 with estimated tax revenue of $31,408,614. Effective tax rates typically range from approximately 0.8% to 1.5% of market value, though this can vary based on your specific location and applicable special district levies.

Section 2

What Makes Up Your Tax Bill

Levy Year: 2025

ComponentRateDescription
County General FundVariesBasic county services and operations
School DistrictVariesLocal school district operations and debt service
Fire Protection DistrictVariesFire and emergency services (where applicable)
Library DistrictVariesPublic library services (where applicable)
Special DistrictsVariesWater, sanitation, parks, and other local services

Note: Specific mill levy rates vary by property location within Moffat County due to different special taxing district boundaries. For 2025, residential properties are assessed at 6.4% of actual value for non-school district mill levies, with a separate assessment rate for school district mill levies. Contact the Moffat County Assessor's Office for your exact mill levy rate based on your property's location and applicable districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Moffat County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Moffat County are triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These taxes represent the difference between what was originally assessed and what should have been assessed based on the property changes.

Supplemental taxes are calculated by applying the current mill levy rate to the difference in assessed value, prorated for the portion of the tax year remaining after the change occurred. For example, if you purchase a newly constructed home in July that wasn't on the original assessment roll, you would receive a supplemental tax bill covering July through December of that tax year. The supplemental tax becomes a lien on the property and follows the same payment rules as regular property taxes.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (6.4% for non-school levies): $19,200
  • Less: Senior Homestead Credit (if applicable): -$1,000
  • Net Taxable Value: $18,200
  • Estimated Annual Tax (1.2% effective rate): $2,184
  • Monthly Escrow: $182

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (6.4% for non-school levies): $38,400
  • Less: General Homestead Credit (if applicable): -$500
  • Net Taxable Value: $37,900
  • Estimated Annual Tax (1.3% effective rate): $4,927
  • Monthly Escrow: $411

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (6.4% for non-school levies): $64,000
  • Less: Applicable Credits: $0 (income limits typically exclude higher-value properties)
  • Net Taxable Value: $64,000
  • Estimated Annual Tax (1.4% effective rate): $8,960
  • Monthly Escrow: $747

Note: All credits require application and income/age qualification. Rates vary by special district location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Moffat County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to the county when due.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. Given Moffat County's payment schedule (full payment due April 30th or half payments due February 28th and June 30th), lenders must plan cash flow accordingly. If you pay your own taxes, remember that payments postmarked by the U.S. Postal Service on the due date are considered timely. You should verify with your lender annually that taxes were paid correctly and on time, as any delinquencies become liens against your property regardless of escrow arrangements.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Moffat County for the current fiscal year? A: For 2025, you can pay the full amount by April 30th, or make half payments with the first half due February 28th and second half due June 30th. U.S. Postal Service postmarks are accepted on due dates.

Q: What tax credits are available and do they require applications? A: Colorado offers homestead tax credits that must be applied for annually. These include senior homestead credits (for qualifying seniors) and general homestead credits. All credits require application and most have income limitations. Contact the Moffat County Assessor's office for current application forms and deadlines.

Q: How does the homestead credit work? A: The homestead credit limits assessment increases rather than reducing market value. It caps the annual growth in actual value used for tax purposes, typically to 10% or less. You must file an application and meet residency requirements. This is a tax credit that reduces your tax bill, not an exemption.

Q: When does the county reassess properties? A: Colorado requires counties to reassess all properties every two years. Assessment notices are typically mailed in May, with appeals due by specific deadlines. Contact the Assessor's office if you believe your assessment is incorrect.

Q: What are the penalties for late property tax payments? A: Late payments incur interest and penalties. Properties can eventually face tax lien sales if taxes remain unpaid. Contact the County Treasurer's office for specific penalty rates and procedures.

Q: Can I pay my property taxes online? A: Check with the Moffat County Treasurer's office for available online payment options and accepted payment methods.

Q: Why do property tax rates vary within Moffat County? A: Rates vary based on special taxing districts serving your area, such as school districts, fire districts, library districts, and other local service providers. Each property's rate depends on which districts serve that location.

Q: When are personal property tax declarations due? A: Personal property declarations must be filed by April 15th each year for business personal property and other taxable personal property.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
County Property Value Datamoffatcounty.colorado.gov
02
Volume 5: Personal Property All Chapters | Assessors' Libraryarl.colorado.gov
03
Final Fiscal Noteleg.colorado.gov
04
County
County Treasurermoffatcounty.colorado.gov
05
Important Dates and Policiesmoffatcounty.colorado.gov
06
Personal Property Valuationmoffatcounty.colorado.gov
07
County
Colorado Senior Property - Moffat Countymoffatcounty.colorado.gov
08
Code of Colorado Regulationssos.state.co.us
09
DWR_4296635 - Laserfiche WebLinkdnrweblink.state.co.us
10
resolution no. 2021-142moffatcounty.colorado.gov
All sources verified as of 2025 Tax Year

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