Kentucky / Clay County

Moving to Garrard, KY

Thinking of making a move to Garrard, KY? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Garrard, KY

Considering a move to Garrard, KY? This welcoming community of 16,953 residents offers a blend of suburban charm and convenience, with median home prices around $163,000 and average rents near $770. Commute times average 28 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (56% annually), ideal for families and commuters alike. Explore Garrard's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Garrard, KY

Garrard has a population of 16,953 residents, offering a diverse community with a median age of nearly 41 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 94% White, 3% Black, and 0% Asian residents, and over 3% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
16,953
Density
56 per sq mi
Median Age
41.2
Gender Ratio
97 males per 100 females
Non-English Speakers Percentage
2.6%

Ethnic Composition

White
93.8%
Black
3.1%
Asian
0.4%
Others
2.7%

Cost Of Living

What is the average cost of living in Garrard, KY?

The cost of living in Garrard is higher than the national average, with a cost of living index of 82.5. Median home values are around $163,000 and average rents for a two-bedroom apartment are approximately $770. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$163,000
Gross Rent
$770
Monthly Electricity Charges
$115
Auto Insurance
$1,180
House Owner Cost With Mortgage
$1,160
House Owner Cost Without Mortgage
$410
State Taxes
Low: 5%| High: 5%
Cost Of Living Index
82.5
Grocery
92.1
Housing
62.4
Utilities
98.8
Transportation
91.4
Health Care
86.0
Miscellaneous
88.3

Crime

Is Garrard, KY a safe place to live?

Garrard is considered a safe community, with a low violent crime rate of 89 incidents per 100,000 residents and a property crime chance of 1 in 105. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in Kentucky.

Violent Crimes Per 100k
89
Property Crimes Per 100k
956
Crime Index
1,045
Chance Of Violent Crime
1 in 1,120
Chance Of Property Crime
1 in 105

Weather

What is the weather like in Garrard, KY year-round?

Garrard experiences four distinct seasons, with warm summers reaching highs of 86°F and cold winters dipping to 26°F. The area receives about 48 inches of rainfall annually and enjoys sunshine on 56% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
26°F
Max
44°F

Summer

Min
65°F
Max
86°F

Spring

Min
45°F
Max
68°F

Fall

Min
47°F
Max
72°F
Average Rainfall Inches
47.5 inches
Sunny Days Percentage
56%

Neighbors

The neighborhood boasts a healthy median household income of $55,400 and a low poverty rate of 15.3%. Over 87% of residents have at least a high school diploma, and nearly 17% hold a bachelor's degree or higher. Commute times average 28 minutes, and almost 0% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$32,400
Household Income
$55,400
Family Income
$68,200
Per Capita Income
$26,320
Income Male
$39,800
Income Female
$31,400
Poverty Rate
15.3%
Non English Speakers
2.6%
Rent
$770
Unemployment Rate
4.1%
Public Transport Usage
0.2%
Commute Time
28.4 minutes

Education

High School or Higher
86.8%
Bachelors or More
17.4%

Education

How are the schools in Garrard, KY?

Garrard offers quality education options, with public schools like Garrard County High School and Garrard Middle School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Centre College. The community is committed to educational excellence for all age groups.

Public Schools

Name
Garrard County High School
Street
599 Industry Rd
Phone
859-792-2146
Students
800
Student Teacher Ratio
17.2
Name
Garrard Middle School
Street
304 W. Maple Ave
Phone
859-792-2331
Students
620
Student Teacher Ratio
16.5

Private Schools

Name
Lancaster Christian Academy
Street
202 Richmond St
Phone
859-792-7914
Students
120

Colleges

Name
Centre College
City
Danville
State
KY
Distance
16 miles
Students
1,400

Healthcare

Garrard residents have access to quality healthcare, with major hospitals like Ephraim McDowell Garrard County Hospital and Ephraim McDowell Regional Medical Center nearby. The community benefits from a high physician-to-resident ratio of 1.7 per 1,000 people and 90.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Ephraim McDowell Garrard County Hospital
Address
322 S. Campbell St, Lancaster, KY 40444
Phone
(859) 792-2121
Type
General & Surgical
Emergency Services
Yes
Name
Ephraim McDowell Regional Medical Center
Address
217 S. Third St, Danville, KY 40422
Phone
(859) 239-1000
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.7
Health Insurance Coverage
90.1%
Health Care Index
69.2

Housing Market

What is the housing market like in Garrard, KY?

The local housing market is strong, with a median home price of $163,000 and an owner-occupied rate of nearly 75%. The market has seen a 4.2% appreciation over the past year, and rental vacancy rates remain moderate at 7.1%. Garrard offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$163,000
Average Rent For 2 Bedroom
$770
Owner Occupied Rate
74.6%
Rental Vacancy Rate
7.1%
Home Appreciation Rate (1yr)
4.2%
New Construction Rate
0.8%
Foreclosure Rate
0.7%

DMV Information

Residents of Garrard handle vehicle services through the Kentucky Transportation Cabinet, Division of Driver Licensing, conveniently located in Frankfort. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
Kentucky
Department
Kentucky Transportation Cabinet, Division of Driver Licensing
Address
200 Mero St, Frankfort, KY 40622
Phone
(502) 564-1257

Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.

FAQs About Moving to Garrard, KY

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Garrard, review the core fields on this page: population 16,953, median home value $163,000, average rent for 2 bedroom $770, commute time 28.4 minutes, and sunny days percentage 56%.

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