Addition to the 1841 census entry: there was a Cath Hoy aged 13 with a single line division between her entry and the McCarthy family, so she looks like part of the same household?
The Dissenter Births to 1849 on Brian Lawson's website has these entries:
18 Apr 1841 MC CARTHY, David, Hugh MC CARTHY/Rose KAY R 57
22 Oct 1842 MC CARTHY, Rose, Hugh MC CARTHY/Catherine HAY R 64
David or Denis? First wife Rose KAY? Or HOY?
Sue