Skip to main content
LiveWhere us
Kentucky

Cost of living in Garrard County, KY

Estimated monthly cost
$2,805/mo
for a single person, all categories combined

Population 17,346 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $812 29%
Federal tax $497 18%
Healthcare $480 17%
Transport $320 11%
Groceries $312 11%
Energy $194 7%
State tax $135 5%
Water $55 2%

Rent in Garrard County

Fair Market Rents by bedroom count.

Studio
$647
per month
1 bedroom
$812
per month
2 bedroom
$899
per month
3 bedroom
$1,101
per month
4 bedroom
$1,362
per month

Source: HUD FMR FY2025

Income and earnings in Garrard County

Annual earnings figures from the Census ACS.

Household income
$62,572
per year
Individual earnings
$40,450
per year
Per capita
$30,619
per year

Source: ACS 2019-2023 5-Year.

Home values in Garrard County

Average values reported by homeowners.

Average home value
$186,800
Annual property tax
$1,344

Source: ACS 2019-2023 5-Year

Energy costs in Garrard County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 13.3¢/kWh
Natural gas
$54
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Garrard County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Garrard County

State and local tax rates for Kentucky.

State income tax
4.0%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Garrard County

Commute patterns and estimated costs.

Average commute
33.6 min
Drive alone
77.8%
Public transit
0.6%
Work from home
11.1%

Source: ACS

Monthly cost estimates for Garrard County

What it costs to live in Garrard County each month.

Single person
$2,805
per month
  • Rent $812
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $497
  • State tax $135
Couple
$3,901
per month
  • Rent $899
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $694
  • State tax $209
Family
$6,224
per month
  • Rent $1,101
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $694
  • State tax $209

Frequently asked questions about Garrard County

Common questions about cost of living, rent and salary.

What is the average rent in Garrard County?

In Garrard County, KY, a one-bedroom apartment averages $812 per month, a two-bedroom averages $899 per month, a three-bedroom averages $1,101 per month, according to HUD Fair Market Rent data.

What is the average salary in Garrard County?

In Garrard County, KY, the average household income is $62,572 per year and individual earnings for full-time workers average $40,450 per year, according to U.S. Census Bureau data.

What is the cost of living in Garrard County?

The estimated cost of living in Garrard County, KY is approximately $2,805 per month for a single person, $3,901 for a couple, $6,224 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garrard County?

The combined sales tax rate in Garrard County, KY is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.

Is Garrard County an affordable place to live?

Based on the data, a single person in Garrard County, KY would need approximately $2,805 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,572 per year ($5,214 per month). Garrard County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garrard County?

The ACA marketplace benchmark premium in Garrard County, KY is approximately $480 per month for an individual. Approximately 7.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garrard County?

The average home value in Garrard County, KY is $186,800, with average annual property taxes of $1,344, according to U.S. Census Bureau data.

How does Garrard County compare to other areas?

You can compare Garrard County, KY with any other US county using our comparison tool at /compare. Garrard County is in Kentucky.

Other counties in Kentucky

Browse the full list of counties in Kentucky, ranked by cost of living.

See all counties in Kentucky

Compare Garrard County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources