The population of Garrard county is estimated at 17,398. In 2017 there were 215 births and 169 deaths in Garrard county. Garrard county has 3,411 housing units that are owned with a mortgage or a loan, 1,767 that are owned free and clear and 1,490 that are renter occupied.

  The residents of Garrard County filed 6,890 federal tax returns in 2017. This amount represents 0.4% of all Kentucky filings and 0.005% of the entire nation. Garrard had a combined total federal tax liability of $43,593,000 on earned income of $324,171,000. Other notable statistics from Garrard County were 260 unemployment claims which collected a total of $1,009,000 and 1,350 charitable contributions valued at $5,458,000. 1,570 filings from Garrard County paid a combined total of $2,712,000 in property taxes and 1,420 filings paid $7,869,000 on mortgage interest costs.

  In 2010 Garrard county had 34 religious congregations with an estimated 8,821 members.
15.7% of the Garrard population has a college level Bachelors degree or higher. 19.7% have less than a highschool diploma level education.

Approximately 44% of Garrard County voted in the presidential election of 2016. This represents an increase from the 2012 election by 536 votes.
At $50,518 the median income is 104.5% of the Kentucky average. An estimated 371 people claimed to be unemployed last year in Garrard, the equivalant of around 4.8% of the county population. This represents an increase in the level of unemployment from the previous year's value of 4.8%.

Top 15 Industries in Garrard County.
Total # Employed	Industry Job Type
240	Manufacturing
231	Health care and social assistance
167	Retail trade
68	Food services and drinking places
68	Restaurants and other eating places
65	Ambulatory health care services
53	Gasoline stations
53	Finance and insurance
53	Gasoline stations with convenience stores
45	Administrative and support and waste management and remediation services
42	Fabricated metal product manufacturing
39	National commercial banks (banking)
39	Depository credit intermediation
39	Commercial banking
38	Limited-service restaurants

In 2018 the average price reduction was 2.57% in Garrard County.

In 2018 6.82% of listings in Garrard County.

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