Garrard, Kentucky is a small town with a population of 40941. It's cost of living is lower than the US average, as reflected by its 2-bedroom rent at $680 per month - compared to the national rate of $1,430 - and its Grocery Cost Index of 92. In Garrard, there are many local businesses to choose from that provide a variety of services. For example, Dave’s Garage provides automotive repairs and maintenance; Dr. Don’s Office offers medical care; Sarge’s Bakery produces fresh bread and pastries; Jim’s Groceries sells groceries; and the Garrard Library provides access to books and other library media.