Cost of living in Ray County, MO
Part of the Kansas City Metro Area
Population 23,149 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Ray County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Ray County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Ray County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Ray County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Ray County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Ray County
State and local tax rates for Missouri.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Ray County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Ray County
What it costs to live in Ray County each month.
- Rent $1,183
- Energy $194
- Water $50
- Groceries $313
- Transport $320
- Healthcare $480
- Federal tax $527
- State tax $155
- Rent $1,346
- Energy $233
- Water $60
- Groceries $519
- Transport $420
- Healthcare $864
- Federal tax $851
- State tax $274
- Rent $1,756
- Energy $291
- Water $70
- Groceries $787
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $851
- State tax $274
Frequently asked questions about Ray County
Common questions about cost of living, rent and salary.
What is the average rent in Ray County?
In Ray County, MO, a one-bedroom apartment averages $1,183 per month, a two-bedroom averages $1,346 per month, a three-bedroom averages $1,756 per month, according to HUD Fair Market Rent data.
What is the average salary in Ray County?
In Ray County, MO, the average household income is $72,152 per year and individual earnings for full-time workers average $42,295 per year, according to U.S. Census Bureau data.
What is the cost of living in Ray County?
The estimated cost of living in Ray County, MO is approximately $3,222 per month for a single person, $4,567 for a couple, $7,099 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Ray County?
The combined sales tax rate in Ray County, MO is 8.29%, which includes the Missouri state rate of 4.22% plus an average local rate of 4.06%.
Is Ray County an affordable place to live?
Based on the data, a single person in Ray County, MO would need approximately $3,222 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $72,152 per year ($6,013 per month). Ray County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Ray County?
The ACA marketplace benchmark premium in Ray County, MO is approximately $480 per month for an individual. Approximately 9.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Ray County?
The average home value in Ray County, MO is $187,400, with average annual property taxes of $1,533, according to U.S. Census Bureau data.
How does Ray County compare to other areas?
You can compare Ray County, MO with any other US county using our comparison tool at /compare. Ray County is in the Kansas City, MO-KS metro area.
Other counties in Missouri
Browse the full list of counties in Missouri, ranked by cost of living.
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP