The younger daughter of Mrs. Ray, both of them dominated by the evangelical and opinionated older daughter, Mrs. Prime. Rachel fell in love with Luke Rowan, the brewer, and despite all obstacles finally married him.

"She was a fair-haired girl, with hair, not flaxen, but of light-brown tint, -thick, and full, and glossy.... She was well made, being tall and straight, with great appearance of health and strength. She walked as though the motion was pleasant to her, and easy,as though the very act of walking was a pleasure" - Rachel Ray.