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Ray
Missouri

23K

Population

$70K

Median Income

$264K

Median Home

R+38

Politics

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What stands out

What stands out about Ray County: the restaurant count per person is in the bottom 2% of American counties (0.3 per 1,000). Within Missouri it ranks 2nd of 108 counties for the restaurant count per person, counting from the bottom.

Where you are

You live in Ray County, Missouri. 23,122 people live here with you. The population held steady at 0.3% last year, and more Americans moved in than out (net +160).

Missouri stopped taxing Social Security and public pensions for all residents in 2024 and has been cutting its top income-tax rate toward 4.5%. Home prices are well below the national average in both Kansas City and St. Louis. The state's property tax on vehicles, paid every year, surprises new arrivals; tornado exposure is high across the state.

Money

The typical household here brings in $69,779 a year, higher than 73% of American counties. Employers pay an average wage of $47,361. Unemployment runs 3.3%, lower than 53% of American counties. 8% of workers work from home.

Missouri takes 4.4% of that median income in state income tax, about $3,099 a year.

Home

The median home costs $264K, pricier than 60% of American counties, about 2.1 years of the median household's income. A two-bedroom rents for around $850 a month. Property tax is 0.89% of home value, roughly $1,512 a year on that median home, higher than 53% of American counties. 79% of households own rather than rent.

Safety and health

Violent crime here is 4.3 per 1,000 residents, higher than 73% of American counties. Drug overdoses killed 12 people per 100,000 in 2024.

A child born here can expect to live 74.5 years, shorter than 65% of American counties. There are 8 active physicians in the county, about 3.5 per 10,000 people. 9.4% of people under 65 have no health insurance.

School

Local students test at grade level 2.96 where 3.0 is national grade level, lower than 56% of American counties. 90% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 38 points. 66% of eligible voters turned out. Under Missouri law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is legal for adults.

Weather and risk

The year averages 55°F, highs near 66 and lows near 44, colder than 53% of American counties. About 32 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 30 out of 100, safer than 70% of American counties; the county has had 33 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 156 Mbps down, slower than 69% of American counties. There are 5 airports in the county, counting general aviation. For a night or a weekend out: 0.3 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$70K
This county
national avg ~$75K
Poverty Rate12.6%
This county
national avg ~11.5%
Unemployment Rate3.3%
This county
national avg ~3.8%
GDP per Capita$27,357
Federal Spending per Capita$177
Median Individual Earnings$42K
This county
national avg $45K
Professional/Management Workers26.4%
Average Adjusted Gross Income$67K
Avg Credit Score667
Work From Home %8.1%
This county
national avg 17.0%
Population Under 1822.6%
This county
national avg 22.0%
Single-Person Households24.7%
This county
national avg 28.0%
Banks & Finance Firms10
Income (20th Percentile)$30K
Income (80th Percentile)$129K
Income (95th Percentile)$202K
Bachelor's Degree or Higher15.1%
This county
national avg 34.3%
Less Than High School10.3%
This county
national avg 11.0%
Knowledge Economy GDP %6.1%
Dependency Ratio0.70
Medicare Spending / Person$3,185
SS Benefits / Person$4,380
Education Wage Premium1.31x
Median Earnings (Bachelor's)$52K
Median Earnings (Graduate)$57K
Median Earnings (HS Diploma)$43K
Public Assistance Recipients1.7%
Average Annual Wage$47K
Professional Services Concentration0.26x national
This county
1.0 = national average share
Federal Government Jobs Located Here47
Federal Share of Jobs Located Here1.2%
Residents Who Work for the Federal Government3.2%
Federal Civilian Share of Earnings1.6%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$264K
This county
$240K state avg
$303K national
Market Rent (ZORI)$840/mo
This county
$1100/mo state avg
$1400/mo national
Property Tax Rate0.89%
This county
0.88% state avg
1.10% national

Annual tax on median home: $1,512

Affordability & Supply

HUD Fair Market Rent (2BR)$1,358/mo
Home Price Change (1 yr)+6.0%++5.1% since 2024
Home Value to Income Ratio2.1x income
Severely Cost-Burdened Households7.3%
Homeownership Rate78.5%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
23.1%
Active Listings
78
New Listings / Month
26

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
28 days
Months of Supply (Redfin)— Low inventory — sellers market
2.8 mo

Source: Redfin · Updated monthly

Health

Life Expectancy74.5 yrs
This county
national avg ~78.5 years
Food Insecurity11.6%
This county
national avg ~11%
Food Environment Index8.2 / 10
This county
higher = better access
Primary Care Shortage Score12
This county
national avg 5
Mental Health Shortage Score17
Dental Care Shortage Score13
Healthcare Shortage Score14.0
Healthcare Offices18
Obesity Rate (BRFSS)39.3%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.9%
This county
national avg 14.0%
Poor Health Rate (BRFSS)20.8%
This county
national avg 18.0%
Physical Inactivity (BRFSS)31.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)33.9%
This county
national avg 32.0%
Active Physicians8
Nursing Home Rating2.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients713 / 1,000
Medicare Cost per Beneficiary$14,917
Uninsured (under 65)9.4%
This county
national avg ~10%
Adults with Depression26.4%

Education

Math Test Scores2.96 grade level
Reading Test Scores2.97 grade level
HS Diploma Holders6,595
Bachelor's Degree Holders1,717
HS Completion Rate89.7%
This county
national avg ~85%

Safety

Violent Crime Rate4.3 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate15.7 / 100K
This county
national avg ~13.6/100K
Traffic Fatalities5
Social Vulnerability (CDC SVI)9th pct
Drug Overdose Deaths (2024)12.3 / 100K
Suicide Rate29.0 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-0.7
January Sunshine0.29
January Temperature-0.43
Average Temp55°F+3.0% since 2022
Avg High Temp66°F+1.2% since 2022
Avg Low Temp44°F+5.5% since 2022
Median AQIAQI 55
Good Air Days124 days/yr
Unhealthy Air Days29 days/yr
Annual Precipitation31.7 in/yr+6.7% since 2022
Avg Storm Events3.0 storms/yr
Avg Annual Storm Damage$0
Drought Index (2022)-0.79
Heating Degree Days4,965 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,355 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)5,564 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,260 CDD/yr
Avg Tornadoes / Year0.2
Avg Flood Events / Year1.2
Avg Hail Events / Year1.0
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)30 / 100
Community Resilience (FEMA)79 / 100
Federal Disaster Declarations33 since 1953
Fine Particulate Pollution (PM2.5)7.3 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)6 properties
FAA-Registered Airports6 total
Airports (excl. heliports)5 airports

Internet & Remote Work

Download Speed156 Mbps
This county
national avg ~120 Mbps
Upload Speed35 Mbps
Fixed Internet (Q1 2026)336 Mbps
Mobile Internet (Q1 2026)324 Mbps
Mobile Upload (Q1 2026)18 Mbps
Mobile Latency (Q1 2026)32 ms
Households with 100Mbps+93.4%
This county
national avg 75.0%
Cellular-Only Internet19.3%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)191 Mbps

EV Infrastructure

EV Charging Stations4 stations
DC Fast Chargers0 chargers
Level 2 EV Chargers8

Commute & Transit

Remote Workers884 workers
Public Transit Commuters127 workers
Walk to Work (workers)114 workers
Extreme Commutes (90+ min)271 workers
Walk to Work1.1%

Families & Childcare

Childcare Cost Burden21.4%
This county
national median ~27% of household income
Childcare Centers5.4 per 10K residents

Civic & Community

Voter Turnout66.0%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.320
Nonprofit Organizations111
Veterans Share8.5%
This county
national avg 7.0%
Married Adults55.6%
Never-Married Adults25.1%
Divorced Adults12.0%
Religious Organizations20
Asian Population0.3%
Native American Population1.1%
Membership Associations10.4 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.26 per 1K residents
Nursing & Care Facilities5
Grocery Stores5
Recreation Businesses6
Professional Services Firms21
Veterinary Practices3
Real Estate Firms5
Debt Burden
Avg Mortgage Balance$59K
Avg Student Loan Balance$8K
Avg Credit Card Balance$4K
Loan Delinquency Rate50.5%
This county
national avg 4.0%

Innovation

Inventor Rate0.19%

Politics

R+38

2024 Presidential · Missouri was R+19 statewide

vs Missouri State

Income tax
4.7%Same (state law)
Property tax
0.89%0.88% state avg
Politics
R+38R+19
COL Index
86state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +160

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.89x avg income)

Economic Mobility

44%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Ray County

Median home value: $264K

View on Zillow →View on Realtor.com →

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Full Missouri profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable