Ray County, MO at a glance
Median household income
$74,573$6,214 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Ray County, MO?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Ray County, MO? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Kansas City, MO-KS HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $1,095 | $13,140 | $43,800 | 17.6% |
| 1-Bedroom Apartment | $1,197 | $14,364 | $47,880 | 19.3% |
| 2-Bedroom ApartmentBenchmark | $1,358 | $16,296 | $54,320 | 21.9% |
| 3-Bedroom Home | $1,769 | $21,228 | $70,760 | 28.5% |
| 4-Bedroom Home | $2,103 | $25,236 | $84,120 | 33.8% |
What a typical income covers in Ray County, MO
The 50/30/20 rule applied to the local median of $74,573 a year ($6,214 a month before tax).
What $74,573 leaves after Missouri taxes
Federal income tax, Social Security, Medicare and Missouri tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Missouri
Living in Ray County, MO: common questions
What is the median household income in Ray County, MO?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Ray County, MO is $74,573 per year (approximately $6,214 per month).
What is the average rent in Ray County, MO?
The closest official figure is HUD's Fair Market Rent for 2026: $1,095 for a studio, $1,197 for one bedroom, $1,358 for two, $1,769 for three and $2,103 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Ray County, MO expensive to live in?
Prices there run 7.5% below the U.S. average. BEA's regional price parity for the metro area is 92.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Ray County, MO?
To keep a $1,358 two-bedroom under 30% of gross income, a household needs about $54,320 a year, or $4,527 a month. That is 73% of what the typical household in Ray County, MO earns.
How much do you need to live comfortably in Ray County, MO?
On the local median income of $74,573 ($6,214 a month before tax), the 50/30/20 rule leaves $3,107 a month for needs like rent, utilities and groceries, $1,864 for everything else and $1,243 for savings or debt. A two-bedroom at $1,358 takes 44% of the needs share.
How much is the electric bill in Ray County, MO?
Homes in Missouri paid 16.2¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $146. Your bill depends mostly on heating and cooling.