| City: | Garrard, Kentucky |
| County: | Clay County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 9:21:57 PM |
| Population: | 159 [See All] |
| Area Code: | 606 |
| Classification: | PO Box |
| Coordinates: | 37.1827, -83.6515 |
| Land Area: | 0.141 sq mi |
| Quick Link: |
Garrard operates as a PO Box ZIP in eastern Kentucky's Clay County, where 173 boxes serve a population of just 159 residents. That's a PO Box adoption rate of 3.09, meaning the post office maintains more than three times as many boxes as there are local households. This doesn't reflect local demand alone. Instead, it shows how the post office serves surrounding areas where carrier delivery isn't available.
The ZIP covers a tiny footprint of 0.14 square miles of land near Highway 421. Despite the small area, only 56 households actually live within the ZIP boundaries. The median age is 45.8 years, and the community is almost entirely White (157 of 159 residents). Seven housing units sit vacant, giving a vacancy rate of about 11%.
Street delivery does exist here on a limited basis. One city carrier route serves Highway 421 South, the only street address option in the ZIP. But that single route can't accommodate everyone who needs mail service in the broader area. That's why PO Box adoption runs so high.
The post office functions as a regional collection point for people living in unincorporated areas nearby. Economic data shows a median household income of $16,642, well below Kentucky's state average. Nobody works from home according to census estimates. The housing stock consists of 53 owner-occupied units with modest values.
This pattern is common in rural Appalachia, where terrain makes street delivery expensive to maintain. The high adoption rate isn't about Garrard itself. It's about the post office serving as infrastructure for a wider service area that depends on PO Boxes as the primary delivery method.
Only one street receives carrier delivery: Highway 421 South. The limited street infrastructure reflects the ZIP's role as a PO Box service point rather than a residential delivery area. The highway designation indicates this is a rural corridor location where most residents rely on PO Boxes at the post office.
ZIP Code 40941 has 159 residents and 56 households (average 2.84 persons per household). The median age is 45.8 years, older than the state (39.4) and significantly older than the nation (38.8). The gender split is 47.8% male and 52.2% female, which is slightly lower than the state male share (49.2%), making this a female-majority area. Largest groups are White (98.7%, much higher than the state average of 82.4% and well above the national average of 61.6%) and Hispanic or Latino (0.6%); Hispanic or Latino residents make up 0.6%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 159Source: Census DHC |
| 2024 ACS Population Estimate: | 129Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 1,127.7 people per sq mile |
| Average Income: | $0Source: Census ACS |
| Households: | 56Source: Census DHC |
| Average House Value: | $666,666,666Source: Census ACS |
| Persons Per Household: | 2.84Source: Census DHC |
| Average Family Size: | 2.71Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 51 | 113 | 121 | 133 | 290 | 389 | 319 | 283 | 298 | 167 | 0 | 145 | 129 |
| Decennial Census | 251 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 159 | -- | -- | -- |
Median Age: 45.8
Male Median Age: 32.3
Female Median Age: 56.6
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 1 | 14 | 17 | 1 | 0 | 2 | 16 | 3 | 2 | 2 | 2 | 0 | 1 | 11 | 2 | 2 | 0 | 0 |
| Female | 1 | 3 | 0 | 0 | 1 | 0 | 5 | 10 | 1 | 2 | 11 | 16 | 17 | 3 | 2 | 6 | 0 | 5 |
| Total | 2 | 17 | 17 | 1 | 1 | 2 | 21 | 13 | 3 | 4 | 13 | 16 | 18 | 14 | 4 | 8 | 0 | 5 |
| White: | 157 | 99.37% |
| Black: | 0 | 0% |
| Hispanic:* | 1 | 0.63% |
| Asian: | 0 | 0% |
| American Indian: | 0 | 0% |
| Hawaiian: | 0 | 0% |
| Other: | 0 | 0% |
| Total: | 158 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 76 | 47.80% | 32.3 years |
| Females: | 83 | 52.20% | 56.6 years |
| Total: | 159 | 100% | 45.8 years |
| Native, born in the United States: | 129 | 100.00% |
| Native, born in PR, Island Areas, or abroad: | 0 | 0.00% |
| Foreign born, naturalized U.S. citizen: | 0 | 0.00% |
| Foreign born, not a U.S. citizen: | 0 | 0.00% |
| Total Population: | 129 | 100% |
| Total Native Population: | 129 | 100.00% |
| Total Foreign-born Population: | 0 | 0.00% |
In 2024, the Median household income is $0, which is far less than the state median ($62,417), is down $14,922 (100.0%) since 2011 and above its 2019 pre-pandemic level by $0. Family households earn a median of $0 versus $0 for nonfamily households (a difference of $0). By gender, male median income is $0 and female is $0, which is well under the state female median ($45,769), with a current gap of $0 that has stayed about the same from 2011 to 2024. The labor-force participation rate is 46.0%, which is far less than the national rate (63.5%). The unemployment rate is 0.0%, which is markedly below the national rate (5.2%). The largest occupation group is Production (60.9%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $14,922 | $15,125 | $16,023 | $14,813 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Median Family Income | $17,083 | $17,375 | $30,893 | $30,781 | $0 | $39,032 | $39,355 | $41,208 | $41,103 | $0 | $0 | $0 | $0 |
| Median NonFamily Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Median Male Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Median Female Income | $0 | $0 | $0 | $0 | $20,096 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Employed: | 46 | 46.00% |
| Unemployed: | 0 | 0.00% |
| Not In Labor Force: | 54 | 54.00% |
| Total: | 100 | 100% |
| Management, business, science, and arts: | 0 | 0.00% |
| Service: | 18 | 39.13% |
| Sales and Office: | 0 | 0.00% |
| Natural resources, construction, and maintenance: | 0 | 0.00% |
| Production, transportation, and material moving: | 28 | 60.87% |
| Total Civilian Employed Population: | 46 | 100% |
Insufficient data for median home value. Insufficient data for median gross rent. Of occupied housing, owners make up 47.17% (0.00% with a mortgage, 100.00% free-and-clear) and renters 52.83% - making this ZIP Code less home ownership than the state and higher than national rental averages. Insufficient data for vacancy rate.
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $110,200 | $105,600 | $69,500 | $69,800 | $0 | $0 | $60,500 | $0 | $0 | $0 | $0 | $0 | $0 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 28 | 100.00% |
| $1,000 to $1,499: | 0 | 0.00% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 0 | 0.00% |
| Total: | 28 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $0 | $0 | $0 | $0 | $431 | $501 | $564 | $496 | $572 | $0 | $0 | $0 | $0 |
| Owner Occupied (with mortgage): | 0 | 0.00% |
| Owner Occupied (free and clear, no mortgage): | 25 | 47.17% |
| Renter Occupied: | 28 | 52.83% |
| Total Occupied Housing Units: | 53 | 100% |
| Occupied Housing Units: | 53 | 100.00% |
| Vacant Housing Units (not graphed): | 0 | 0.00% |
| Total Housing Units: | 53 | 100% |
| Single-Family Units: | 0 | 0.00% |
| Multi-Family Units: | 0 | 0.00% |
| Other Units: | 53 | 100.00% |
| Total Housing Units: | 53 | 100% |
In 2024, 0.00% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.00%). High school or higher is 64.60%, which is comparable to the national rate (89.40%). The uninsured rate is 21.70%, which is on par with the state rate (5.90%). Private coverage is 33.30%, which is far lower than the national rate (67.30%). The share of people in poverty is 0.00%, which is on par with the state rate (11.80%), and below its 2019 pre-pandemic level by 35.60 percentage points. Poverty has been broadly stable, which may reflect structural barriers or offsetting gains and setbacks. Insufficient data for school enrollment.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 29 | 35.37% |
| 9th to 12th grade, no diploma: | 0 | 0.00% |
| High school graduate (includes equivalency): | 53 | 64.63% |
| Some college, no degree: | 0 | 0.00% |
| Associate's degree: | 0 | 0.00% |
| Bachelor's degree: | 0 | 0.00% |
| Graduate or professional degree: | 0 | 0.00% |
| Total: | 82 | 100% |
| High school or higher: | 53 | 64.63% |
| Bachelor's degree or higher: | 0 | 0.00% |
| Private Insurance: | 43 | 27.92% |
| Public Insurance: | 83 | 53.90% |
| No Insurance: | 28 | 18.18% |
| Total: | 154 | 100% |
| Has Health Insurance: | 126 | 81.82% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 0.0% | 0.0% | 0.0% | 0.0% | 30.9% | 25.8% | 28.7% | 35.1% | 35.6% | 0.0% | 0.0% | 0.0% | 0.0% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 0 | 0% |
| Kindergarten: | 0 | 0% |
| Elementary school (grades 1-8): | 0 | 0% |
| High school (grades 9-12): | 0 | 0% |
| College or graduate school: | 0 | 0% |
| Total: | 0 | 100% |
| Early Childhood: | 0 | 0% |
| K-12 (Primary & Secondary School): | 0 | 0% |
ZIP Code 40941 is designated for PO Box delivery only; business establishment and employment data are not available.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 175Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 0Source: CBP |
| 1st Quarter Payroll: | $0Source: CBP |
| Annual Payroll: | $0Source: CBP |
| # of Employees: | 0Source: CBP |
ZIP Code 40941 is located in Clay County, Kentucky, within the Metropolitan Statistical Area (CBSA ) and Kentucky's 5th Congressional District. This area has a population of 35,637 people, about 0.45% of whom live in ZIP Code 40941. It covers 0.141 sq mi of land and a water area of 0.002 sq mi.
| CBSA Name: | --Source: Census |
| CBSA Number: | --Source: Census |
| CBSA Type: | --Source: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 35,637Source: Census |
| MSA: | Source: Census |
| Land Area: | 0.141 sq miSource: Census |
| Water Area: | 0.002 sq miSource: Census |
| Congressional District: | 05Source: USPS |
| Congressional Land Area: | 11235.15 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | --Source: Census |
| Place Name: | --Source: Census |
We could not locate which school district 40941 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.