The 1981 Concordia Cobbers football team represented Concordia College (Moorhead, Minnesota) as a member of the Minnesota Intercollegiate Athletic Conference (MIAC) during the 1981 NAIA Division II football season. Led by 13th-year head coach Jim Christopherson, the Cobbers compiled an overall record of 11–0–2 with a mark of 8–0 in conference play, and finished as MIAC champion. Concordia–Moorhead advanced to the NAIA Division II playoffs and tied Austin in the NAIA Division II Championship Game.
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