Ray County, Missouri requires building permits for homes and certain non-agricultural accessory buildings, and county zoning governs development12. The county's published residential standards refer to its adopted building codes, although they do not identify the code edition3. New septic systems in unincorporated Ray County require a county permit and a soil morphology test before application4.
At a glance
- Building permit
- Required for residential construction and listed accessory buildings1
- Zoning
- Yes; rules and use tables vary by district25
- Septic permit
- Required for new systems in unincorporated Ray County4
- Owner application
- An owner, contract purchaser or authorized agent may file6
- RV living
- Prohibited as a dwelling unless a hardship permit is approved7
- Tiny home
- General occupancy rule not confirmed; minimum dwelling sizes may apply8
- Minimum home size
- On lots under 19 acres: 1,000 sq ft for one story; over 1,400 sq ft otherwise8
Who to call
Building permits
Ray County Building Inspector (Planning & Zoning)
Building permit applications and inspections
Ray County Courthouse, 100 West Main St, Ste 16, Richmond, MO 64085
Zoning
Zoning, development applications, conditional uses, driveways and floodplain permits
Ray County Courthouse, 100 West Main St, Ste 16, Richmond, MO 64085
Septic permits
Ray County Septic Inspector (Planning & Zoning)
On-site septic applications and county septic inspections
Ray County Courthouse, 100 West Main St, Ste 16, Richmond, MO 64085
Contact details are copied from each office’s official page and were checked against it on September 28, 2026.
Do you need a building permit in Ray County, Missouri?
Yes. Ray County requires a building permit for residential construction and for non-agricultural garages or outbuildings of at least 120 square feet1. The residential permit fee is $0.40 per square foot of livable space, while the listed non-agricultural garage or outbuilding fee is $1501. An agricultural-use-only building still uses a permit, but its listed permit fee is $0 and its final inspection fee is $60; that is a fee concession, not a blanket exemption from county requirements9. Starting before pulling the permit can bring a penalty from $250 to $1,0001.
Who is the Ray County building department, and how do you reach it?
The Ray County Building Inspector works through Planning & Zoning at the Ray County Courthouse, 100 West Main St, Ste 16, Richmond, MO 64085, and the inspector's number is 816-885-194710. Ray County Planning & Zoning answers at 816-776-5398 and is available by appointment only11. The office accepts exact cash or check for permit payments11. A property owner of record, contract purchaser or duly authorized agent may file a development application, although the county may demand proof of authority6. That filing rule does not confirm that an owner may personally perform every trade without a licensed contractor, so ask the Building Inspector before choosing an owner-builder plan6.
Does Ray County have zoning?
Ray County has county zoning, while an incorporated municipality may impose separate local rules2. The county publishes zoning-district use tables and standards, so a use allowed on one parcel may need a conditional-use approval or be unavailable in another district5. On lots under 19 acres, the published minimum is 1,000 square feet of livable space for a single-story dwelling and more than 1,400 square feet for other dwellings8. A single-wide manufactured home requires 19 acres and a Conditional Use Permit application12. Ray County also requires previously unplatted parcels under 40 acres to be platted through its stated survey and board-review process13. Ask Planning & Zoning for the parcel's district and setbacks, because a general numeric residential setback was not confirmed.
How do septic permits work in Ray County?
A new septic system in unincorporated Ray County requires a county permit, and a soil morphology test must be completed before the application is filed4. The county lists a $300 septic permit fee plus a $100 consultation fee for self-installation; when an installer is hired, the installer must be Missouri-certified4. Call the Ray County Septic Inspector at 816-776-5413 ext 2 for the On-Site Septic Application and current inspection instructions14. Only about 4.3% of Ray County soils are rated without severe limitations for a conventional septic drain field, so make the soil test and system design part of the purchase contingency rather than assuming a standard drain field will work15. For an existing system in a property sale, Missouri says buyers can use a private licensed inspector because local health agencies generally no longer perform those transfer inspections16.
Can you live in an RV or tiny home on land in Ray County?
Ray County prohibits using a recreational vehicle or accessory building as a dwelling, including while a principal home is being built, unless the county approves a hardship permit7. Renting a space in a county-regulated campground is a different rule: space rentals are limited to 30 days, and the campground itself must meet county acreage, density and sanitation standards17. Ray County's general tiny-home occupancy rule could not be confirmed. A proposed tiny home may still face the county's zoning tables and, on lots under 19 acres, minimum livable-space rules of 1,000 square feet for a single-story dwelling or more than 1,400 square feet for other dwellings58. Ask Planning & Zoning to classify the proposed structure before ordering it.
Building a home in Ray County: the steps, in order
- Ask Planning & Zoning to confirm the parcel's zoning district, allowed residential use, setbacks and whether an unplatted parcel under 40 acres must go through platting513.
- Complete the required soil morphology test and file the county septic application before installing a new system in unincorporated Ray County4.
- File the building-permit application as the owner, contract purchaser or authorized agent and pay the applicable fee61.
- Arrange the county's footing inspection before concrete, rough-in inspection before insulation and sheetrock, and final safety inspection18.
- Obtain a county driveway permit if the new parcel lacks an existing driveway, or MoDOT entrance permission for highway frontage19.
- Ask Planning & Zoning whether the site needs a Floodplain Development Permit, and do not occupy an RV during construction without an approved hardship permit117.
What should you check before buying land in Ray County?
Confirm zoning, plat status, legal access and the buildable area before closing, because district standards vary and an unplatted parcel under 40 acres may need county plat approval513. A new driveway to a parcel without one requires a $150 non-refundable county permit, while highway frontage requires MoDOT entrance permission19. Only about 4.3% of county soils avoid severe conventional-drain-field limitations, even though about 90% of the land has a slope of 15% or less, so usable terrain does not guarantee an inexpensive septic design1520. Ray County's effective property-tax rate is about 0.8%, and the median annual bill is about $1,5332122. Ask Planning & Zoning whether a floodplain permit applies, and ask the appropriate water authority about a private well because a general well-permit rule could not be confirmed11.
Watch-outs
- Pull the building permit before construction starts; Ray County lists penalties from $250 to $1,000 for starting without one1.
- An owner may file the development application, but Ray County's published rule does not establish a blanket exemption from contractor or trade requirements6.
- Do not plan to occupy an RV or accessory building during construction unless Ray County approves a hardship permit7.
- A single-wide manufactured home requires 19 acres and a Conditional Use Permit application12.
Sources
- Platting & Building Info Sheet, quoted and re-checked
- County Planning & Zoning – Ray County, Missouri, quoted and re-checked
- Ray County BZA – Minutes 2024, quoted and re-checked
- Platting & Building Info Sheet, quoted and re-checked
- County Planning & Zoning – Ray County, Missouri, quoted and re-checked
- County Planning & Zoning – Ray County, Missouri, quoted and re-checked
- County Planning & Zoning – Ray County, Missouri, quoted and re-checked
- Platting & Building Info Sheet, quoted and re-checked
- Platting & Building Info Sheet, quoted and re-checked
- Ray County Building Inspector (Planning & Zoning) (raycountymo.com)
- Ray County Planning & Zoning (raycountymo.com)
- Platting & Building Info Sheet, quoted and re-checked
- Platting & Building Info Sheet – subdivision requirements, quoted and re-checked
- Ray County Septic Inspector (Planning & Zoning) (raycountymo.com)
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- Onsite Wastewater Treatment System Inspections Versus Evaluations (Missouri statewide rule), quoted and re-checked
- Campgrounds and Recreational Vehicle Parks, quoted and re-checked
- Platting & Building Info Sheet, quoted and re-checked
- Platting & Building Info Sheet, quoted and re-checked
- Share of land at 15% slope or less: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written September 28, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.