Mc Coy, Colorado.
. Steamboat Springs, CO metro.
to buy the typical home at today's mortgage rate — +$1,308 (+89%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Colorado$2,777
- United States$1,922
Living in Mc Coy, Routt County, Colorado
Mc Coy, in Routt County, had 30 people in the 2020 census. Unemployment in Routt County was 3.9% in August 2026, and the county had 2.7% fewer jobs in 2025 than the year before. The most people in Routt County work in schools and health care, then restaurants and hotels.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. McCoy is a very small community in Routt County, Colorado, with far fewer residents than most towns. Its neighbors are mostly the wide mountain landscapes and the ski towns of the surrounding county, so daily life tends to be quiet and close-knit.
Work. Many residents work in schools, hospitals and social care, or in restaurants, hotels and entertainment. Others work in professional and business services or in the building trades. Across the county, job numbers dipped last year, and unemployment has risen somewhat from the year before.
Things to do. Beaver Creek Resort, a ski area, lies a longer drive away and is a well-known destination for winter sports. Piney River, a river, is a short drive away and suits a quiet walk or a day outdoors. White River National Forest, a protected area, is a longer drive away and offers wide open land for hiking and viewing the mountains.
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What people in Routt County work in
Employed residents by industry, from the Census survey. Routt County had 16,323 jobs in 2025, 2.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 7°; warmest in July, with highs near 79° and lows near 46°. About 131 inches of snow and 17 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Yampa weather station, 19 miles away (NOAA).
Largest workplaces in Routt County
- Yampa Valley Medical CenterGeneral hospital449FTE
- Steamboat Springs School District No. Re 2School district382FTE
- King SoopersSupermarkets and other grocery except convenience stores146
- Northwest Colorado Visiting Nurse AssociationFamily physicians' offices145
- WalmartDiscount department stores117
- SafewaySupermarkets and other grocery stores103
- OSP EmployeesHotels & motels90
- VacasaTravel accomodation87
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 20 workplaces with 20 or more staff, 1,729 people in all across the county; Mc Coy has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- AvalanchesRelatively high
- LightningRelatively high
- Inland floodingRelatively high
- LandslidesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Mc Coy’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Routt County and the Steamboat Springs, CO metro.
Mc Coy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Mc Coy5
Zip codes with a Mc Coy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mc Coy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.