1st Advantage MortgageIn Randolph County, Missouri, the typical household earns $53,033 a year and the typical rent is $760. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Missouri before sharing details.
On this page
- Getting oriented in Randolph County
- Renting and owning in Randolph County
- Income in Randolph County compared with Missouri
- Jobs and commutes in Randolph County
- Randolph County towns compared
- Regional comparison for Randolph County
- What a median Randolph County budget can carry
- People and households in Randolph County
- What the numbers mean for Randolph County borrowers
- A Randolph County borrower's checklist
- Licensing and complaints for Randolph County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Randolph County
The latest five-year Census estimate puts Randolph County's population at 24,365; only 44 of Missouri's 115 county-level areas are larger. It covers 483 square miles of land, or about 50 people per square mile. Under the July 2023 OMB definitions, Randolph County is not part of any metropolitan area. The Census Bureau counts 8 places in the county (8 incorporated, 0 census-designated); the largest is Moberly, with about 13,526 residents, or 56% of the county.
Renting and owning in Randolph County
Median gross rent, utilities included, comes to $760 in Randolph County versus $1,033 statewide. Rent takes 30% or more of income for 46% of renter households here. Home values center on $159,300, or 3.0 years of median income. 71% of Randolph County households own their home and 29% rent.
| Randolph County | Missouri | U.S. county median | |
|---|---|---|---|
| Median gross rent | $760/mo | $1,033/mo | $877/mo |
| Median home value | $159,300 | $230,300 | $185,300 |
| Owners | 71% | 68% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 20% | 22% | n/a |
Income in Randolph County compared with Missouri
Half of Randolph County households take in less than $53,033 a year and half take in more, 25% below the Missouri median of $70,702. That places it 89th among Missouri's 115 county-level areas.
| Band | Randolph County | Compared with Missouri |
|---|---|---|
| Under $35,000 | 30.4% | +6.8 pts |
| $35,000 to $99,999 | 48.4% | +6.0 pts |
| $100,000 to $199,999 | 17.4% | -7.9 pts |
| $200,000 or more | 3.8% | -4.9 pts |
The spread is wide: 21% of Randolph County households make $100,000 or more, and 30% make less than $35,000. The poverty rate is 13.9%, 1 point higher than the state's 12.6%. The Gini index of income inequality is 0.429 (0 is perfect equality). For a borrower in Randolph County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Randolph County
By the Census industry count, 24% of employed Randolph County residents work in education and health care and 17% in retail trade. Retail trade stands out: 17% of workers here, versus 11% statewide. ACS puts five-year average unemployment at 4.4% in Randolph County. 13% of commuters travel 45 minutes or more each way, and 7% work from home. 6.4% of households have no vehicle.
| Where residents work | Randolph County | Difference from Missouri |
|---|---|---|
| Education and health care | 24.5% | +0.1 pts |
| Retail trade | 16.9% | +5.5 pts |
| Manufacturing | 12.1% | +0.9 pts |
| Transportation, warehousing and utilities | 10.5% | +4.6 pts |
| Professional and administrative services | 5.8% | -4.7 pts |
| Construction | 5.4% | -1.4 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Randolph County towns compared
Here are the 8 most populous of the county's 8 Census places, with income and rent from the same 2020 to 2024 survey. About 68% of Randolph County residents live in one of the 8. Huntsville has the highest median household income on the list ($52,727) and Moberly the lowest ($44,145), counting places with at least 500 residents. Median rent ranges from $709 in Higbee to $774 in Moberly. This guide covers each of the 8 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Moberly | city | 13,526 | $44,145 | $774 | 3 mi |
| Huntsville | city | 1,672 | $52,727 | $729 | 3 mi |
| Higbee | city | 507 | $49,531 | $709 | 9 mi |
| Cairo | village | 245 | $63,438 | $538 | 6 mi |
| Clark | city | 200 | $71,250 | $771 | 13 mi |
| Renick | village | 119 | $34,583 | $1,344 | 8 mi |
| Jacksonville | village | 112 | $42,813 | n/a | 10 mi |
| Clifton Hill | city | 76 | $49,688 | n/a | 9 mi |
Regional comparison for Randolph County
Howard County is closest, 23 miles from center to center; the sixth, Shelby County, is 33 miles off. 5 of the six report a higher median household income than Randolph County; Boone County is highest at $72,758 and Shelby County lowest at $51,594.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Randolph County | - | $53,033 | $760/mo | 71% |
| Howard County, MO | 23 mi | $65,938 | $832/mo | 79% |
| Chariton County, MO | 26 mi | $71,520 | $567/mo | 83% |
| Monroe County, MO | 26 mi | $54,516 | $689/mo | 74% |
| Macon County, MO | 27 mi | $62,357 | $672/mo | 77% |
| Boone County, MO | 33 mi | $72,758 | $1,088/mo | 58% |
| Shelby County, MO | 33 mi | $51,594 | $625/mo | 77% |
What a median Randolph County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Randolph County's medians:
- $4,419 a month: gross income for a household at the Randolph County median
- Rent at the median, $760, takes 17% of that
- With a 36% ceiling, about $831 remains for car, card, student and any new loan payments
- At 43%, room after rent is $1,140 a month
Two-income households and single earners in Randolph County land in very different places on this math, so run it for your own budget.
People and households in Randolph County
18% of Randolph County adults 25 and older hold a bachelor's degree or more. 9.7% of residents have no health coverage.
| Measure | Randolph County | Missouri statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 40.0 | 39.0 | 41.5 |
| Bachelor's or higher | 18.4% | 32.4% | 22.2% |
| No high school diploma | 10.2% | 8.1% | n/a |
| No health insurance | 9.7% | 8.8% | 7.8% |
| No vehicle | 6.4% | 6.6% | 5.4% |
| Work from home | 7.0% | 13.0% | 8.7% |
| Poverty rate | 13.9% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.4% | 4.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 46.8% |
| 15 to 29 min | 26.5% |
| 30 to 44 min | 13.8% |
| 45 to 59 min | 6.5% |
| 60+ min | 6.3% |
What the numbers mean for Randolph County borrowers
Where the Randolph County numbers stand out, and why it matters for a loan:
- Manufactured homes. 13% of Randolph County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- 46% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
A Randolph County borrower's checklist
A short checklist for Randolph County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Never pay a fee up front to get a loan.
Licensing and complaints for Randolph County
Before sharing details with a lender, a Randolph County resident can confirm its license with the Missouri Division of Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Missouri state guide for the statewide picture.
Nearby and statewide guides
For statewide rules and data, see the Missouri guide.
Frequently asked questions
What is the median household income in Randolph County?
$53,033 a year in the 2020 to 2024 Census survey, versus $70,702 for Missouri. It ranks 89th of 115 in the state.
How much is rent in Randolph County?
Median gross rent, utilities included, is $760 a month; 46% of renters spend 30% or more of income on it.
I own my home in Randolph County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Randolph County?
By population: Moberly, Huntsville, Higbee, Cairo, Clark. The county has 8 Census places in all.
Can Randolph County residents use the questionnaire?
Yes. It asks the same questions in every Missouri county, lists every requirement up front and does not affect your credit score.