Garrard County, Kentucky Demographics 2026

Population Overview

Garrard County is located in Kentucky with a total population of 17,568. It is the 66th most populous county out of 120 in Kentucky. The county encompasses 1 Census-designated place.

Age Demographics

The median age in Garrard County is 43.0 years. This is 10% higher than the state median of 39.1 years.

Economy, Income & Housing

The median household income in Garrard County is $63,087. This is 1% lower than the state median of $63,726. It is also 22% lower than the national median of $80,734. The poverty rate stands at 15.9%. This is about the same as the state poverty rate of 16.1%. The unemployment rate is 5.1%. This is 6% higher than the state rate of 4.9%. The median home value is $204,900. Housing costs are about the same as the state median of $205,600. The home-value-to-income ratio is 3.2x. 79.9% of occupied housing units are owner-occupied. This homeownership rate is 17% higher than the state average of 68.3%.

Race & Ethnicity

Garrard County has a predominantly White (non-Hispanic) population, comprising 91.6% of all residents. Hispanic or Latino residents account for 3.0%. The Black or African American population (2.4%) is well below the state average of 7.5%. The Asian population (0.1%) is well below the state average of 1.6%.

Education

18.7% of residents aged 25 and older hold a bachelor's degree or higher. This is 32% lower than the state rate of 27.6%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 85.9%.

Data Sources & Methodology

All figures for Garrard County come from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates, with comparisons drawn against Kentucky and national averages from the same dataset. See our methodology page for how each metric is defined, or data.census.gov for official tables with margins of error.