- **Tourism and hospitality** Hotels, guesthouses, holiday accommodation, cafés, pubs, and visitor services are among Moffat's most visible economic activities.
- **Retail** The town center supports independent shops, convenience retail, and visitor-oriented businesses serving both locals and travelers.
- **Agriculture** The surrounding countryside supports livestock farming, especially sheep and cattle, with knock-on trade for services and suppliers.
- **Public services** Education, healthcare, local government services, libraries, and community facilities provide steady employment.
- **Construction and property maintenance** Building trades are important in maintaining historic properties, housing stock, roads, and tourism premises.
- **Transport and roadside services** Proximity to a major travel route supports fuel, food, accommodation, and stopover-related activity.
- **Healthcare and care services** Local clinics, care provision, and support services contribute to employment, especially in an older-population rural context.
- **Creative and small-scale craft enterprise** Like many small Scottish towns, Moffat supports limited but meaningful activity in crafts, galleries, specialty food, and other microbusinesses.