ZIP Code 80423 — McCoy CDP, CO Demographics & Data

ZIP code 80423 covers McCoy, CO in Eagle County with a population of about 81.

At a glance, the area shows median age of 69.2 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-2; the DENVER media market.

McCoy, CO fits a retirement-oriented profile (high share of residents 65+ (54.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 80423 is about $25,774 — about 66% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 43.2%; unemployment rate near 45.6%; 45.7% of adults with a bachelor’s degree or higher (about 12.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services and Retail trade; about 72.0% of workers reporting work-from-home (about 56.8 points above the U.S. share (15.2%)); a mean commute of about 7.0 minutes (U.S. average near 26.8).

Median home value is about $541,700 — about 56% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80423 in McCoy, CO, a household would need roughly $149,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,480. That is about 478% above the local median household income ($25,774), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for McCoy CDP, CO as Relatively Low (composite score 76.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.5) and wildfire (75.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for McCoy CDP, CO show little to no average snow and around 16.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 80423 (McCoy CDP, CO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.