Garrett, Kentucky.
Typical home $55,209 (-22.9% in a year).
to buy the typical home at today's mortgage rate — +$67 (+30%) since Jan 2020.
- 1 year
- Down $16,364 -23%
- $71,573$55,209 since Sep 2025
- 5 years
- Down $18,374 -25%
- $73,583$55,209 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Garrett$290
- Kentucky$1,212
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Garrett, KY fell 22.9% over the past year — slower than the nation's +1.2%.
Living in Garrett, Floyd County, Kentucky
The Census does not count Garrett on its own, so the figures here are Floyd County's. Half the county's households earn more than $41,279 a year and half less; 28% of the county's people live below the poverty line. 72% of the county's homes are lived in by their owners and 28% are rented. Unemployment in Floyd County was 5.5% in August 2026, and the county had 0.5% fewer jobs in 2025 than the year before. The most people in Floyd County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Garrett sits in Floyd County, in the hill country of eastern Kentucky. Across the county, most homes are lived in by their owners, and renting is less common than in many parts of the country. Typical home values are fairly low by national standards, and a considerable share of residents live below the poverty line. Household incomes are modest, and the population has a mix of ages.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in government. The number of jobs across the county has slipped a little over the past year, while unemployment has eased compared with the year before. Few adults hold a four-year degree, which is below the national pattern, and few people work from home, so most commute out each day.
Things to do. Robinson Forest is a protected area a longer drive away, and Beaver Creek is a river a longer drive away, both good for those who enjoy the outdoors. For indoor interest, the East Kentucky Science Center is a museum also a longer drive away. Winters here are cold, with the coldest weather in January, and summers are warm, so plan trips with the season in mind.
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- 14,700households
- 42.8median age
- 15%of adults have a degree
- 28%below the poverty line
- 27 mintypical commute
- 3%work from home
What people in Floyd County work in
Employed residents by industry, from the Census survey. Floyd County had 11,099 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 23°; warmest in July, with highs near 86° and lows near 64°.
Average daily high and low, 1991–2020, at the Prestonsburg 3WSW weather station, 13 miles away (NOAA).
Largest workplaces in Floyd County
- Floyd County SchoolsSchool district912FTE
- Highlands Regional Medical CenterGeneral hospital431FTE
- Asplundh Tree Expert 'Tree and brush trimming, overhead utility line334
- Big Sandy Community and Technical CollegeTwo-year college331
- K VA T Food StoresSupermarket145
- American Medical Response135
- Mcdowell ARHCritical access hospital131FTE
- WalmartDiscount department stores124
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 22 workplaces with 20 or more staff, 2,228 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- LandslidesRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Floyd County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Floyd County.
Garrett home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Garrett$55,209
- Kentucky$230,909
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Garrett address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Garrett — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.