Garrard County, Kentucky Demographics 2026

Population Overview

Garrard County is located in Kentucky with a total population of 17,346. It is the 66th most populous county out of 120 in Kentucky.

Age Demographics

The median age in Garrard County is 42.9 years. This is 10% higher than the state median of 39.1 years.

Economy, Income & Housing

The median household income in Garrard County is $62,572. This is about average than the state median of $62,417. Compared to the national median of $78,538, household income here is 20% lower. The poverty rate stands at 17.1%. This is 6% higher than the state poverty rate of 16.1%. The unemployment rate is 6.1%. This is 27% higher than the state rate of 4.8%. The median home value is $186,800. Housing costs are 3% lower than the state median of $192,300. The home-value-to-income ratio is 3.0x. 79.8% 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 92.1% of all residents. Hispanic or Latino residents account for 2.7%. The Black or African American population (2.2%) is well below the state average of 7.8%.

Education

19.1% of residents aged 25 and older hold a bachelor's degree or higher. This is 29% lower than the state rate of 27.0%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 85.8%.