County

Garrard County, KY

3 ZIP codes  ·  3 cities  ·  Kentucky

👥16,771Population
💰$63,533Median HH Income▼ 17% below avg
🎂43.3Median Age
🏠$193,580Median Home Value▼ 31% below avg
🎓31.0%College Grads▼ 20% below avg
📊6.3%Unemployment▲ 29% above avg
People & Population (ACS 2023 — weighted avg)
♂ Male 48.5% Female 51.5% ♀

Race & Ethnicity

White: 91.6%Hispanic: 3.3%Black: 2.2%Asian: 2.5%Other: 2.1%Race
White91.6%
Hispanic3.3%
Black2.2%
Asian2.5%
Other2.1%

Age Breakdown

Under 5
5%
5–17
16%
18–24
7%
25–44
24%
45–64
29%
65+
9%

Key Indicators

Median Age43.3 yrs
Avg HH Size2.56
Below Poverty14.6% ▲ 46% above avg
College Grads31.0% ▼ 20% below avg
Unemployment6.3% ▲ 29% above avg
No HS Diploma119 (1.1%)
HS Graduate3,774 (35.5%)
Some College1,662 (15.6%)
Associates1,777 (16.7%)
Bachelors1,004 (9.5%)
Graduate Degree2,286 (21.5%)

Education

No HS: 1.1%HS Grad: 35.5%Some College: 15.6%Associates: 16.7%Bachelors: 9.5%Graduate: 21.5%Edu
No HS1.1%
HS Grad35.5%
Some College15.6%
Associates16.7%
Bachelors9.5%
Graduate21.5%
Housing & Income

Housing Tenure

Owner: 79.7%Renter: 20.3%Tenure
Owner79.7%
Renter20.3%

Home Value Distribution

Under $50k
7%
$50k–$100k
13%
$100k–$150k
17%
$150k–$200k
16%
$200k–$300k
25%
$300k–$500k
17%
Over $500k
5%

Financials

Median HH Income$63,533 ▼ 17% below avg
Median Home Value$193,580 ▼ 31% below avg
Home/Income Ratio3.0x (nat avg ~3.5x)
Median Rent$785/mo
Total Housing Units7,139
Vacant Units630

Income Distribution

Under $25k
20%
$25k–$50k
20%
$50k–$75k
17%
$75k–$100k
14%
$100k–$150k
16%
$150k–$200k
7%
Over $200k
5%
Employment & Commute

How People Get to Work

Drove Alone
88%
Public Transit
1%
Walked
0%
Work From Home
11%

Commute Time

Under 15 min
16%
15–30 min
32%
30–45 min
23%
Over 45 min
28%
Housing Stock

Year Built

Before 1940
1%
1940s–1950s
9%
1960s–1970s
13%
1980s–1990s
19%
2000+
58%
About Garrard County, KY

Garrard County is located in Kentucky and encompasses 3 ZIP codes spanning 3 cities and communities. The county has an estimated population of 16,771 residents. With a median age of 43.33, it is a middle-aged county.

Garrard County has a solidly middle-class economic profile. The median household income of $63,533 is below the national average. Unemployment stands at 6.3%, above the national average. The poverty rate of 14.6% is above the national average.

Housing in Garrard County is an affordable housing market, with a median home value of $193,580 — below the national average. Monthly median rent is approximately $785. Homeownership rates are high at 79.7%, reflecting a largely residential, stable population.

The residents of Garrard County are primarily White (91.6%). Educational attainment is moderately educated — 31.0% of adults hold a bachelor's degree or higher, below the national average.

Garrard County, KY is a solidly middle-class area in Kentucky. The 3 ZIP codes within the county each have their own character — browse the full list below to find the right community, whether you're looking for affordable housing, strong schools, or economic opportunity.

ZIP Codes in Garrard County
ZIPCityPopulationMedian IncomeMedian HomeMedian RentUnemp.College
40444 Lancaster 14,207 $62,324 $194,100 $785 6.6% 31.0%
40461 Paint Lick 2,564 $70,234 $190,700 $788 4.5% 31.0%

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