Garrard County

Garrard County has 17,568 residents across 2 ZIP codes with their own report. Median household income is $63,087, in line with the Kentucky figure. The typical owner-occupied home is valued at $204,900, and 19% of adults 25 and over hold a bachelor’s degree or higher.

County · ACS 2020–2024 · Updated October 24, 2026

17,568residentsACS 2020–2024

$63,087median household incomeKentucky: $64K

$204,900median home valueowner-occupied homes

87%of households have broadbandhome internet subscription

Garrard County in KentuckyZIP codes in Garrard County highlighted; the rest of Kentucky in grey

Map of Kentucky with Garrard County highlighted

Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates · U.S. Census Bureau, 2024 Gazetteer and 2020 ZCTA relationship files

All 2 ZIP codes.

Colour shows where each zip code sits among the others in the table, from lowest to highest.

ZIP code	Residents	Household income	Home value	Owners	Bachelor's+	Broadband	Commute
40444	14,276	$62K	$218K	79%	19%	87%	35 min
40461	2,527	$71K	$202K	81%	22%	94%	33 min

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

People.

17,568 residents in 6,695 households, next to the Kentucky figure.

22%

under 18

18%

aged 18–34

19%

aged 65 and over

23%

of households are people living alone

57%

of households are married couples

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Homes.

7,280 housing units; the median owner-occupied home is valued at $204,900 (±$14,912).

80%

of households own their home

80%

of homes are detached single-family houses

are in buildings with 5 or more units

14%

are mobile homes

of housing units are vacant

$794

median gross rent a month

When homes were built

2020 or later3%

2010–20199%

2000–200915%

1990–199921%

1980–198910%

1970–197914%

1960–196913%

1950–19595%

1940–19493%

1939 or earlier7%

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Income and work.

Household income and work, in 2024 dollars; median household income ±$7,509.

$63,087

median household income

15.9%

of people live below the poverty line

5.1%

unemployment rate

19%

of adults 25+ hold a bachelor’s degree or higher

The poverty rate uses the federal poverty thresholds, which vary with family size. It says nothing on its own about what a neighborhood is like to live in.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Getting around.

How workers aged 16 and over get to work, and how long it takes.

35 min

average commute to work

29%

of commuters travel 45 minutes or more

87%

of workers drive or carpool

take public transportation

walk or bike

11%

work from home

of households have no car

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Internet.

Home internet subscriptions.

87%

of households have a broadband subscription

10%

have no internet access at home

American Community Survey figures are estimates from a rolling sample, averaged over 2020–2024. Each comes with a margin of error, which is wider in places with fewer people.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates