Median Income
$40,250
46% lower than US avg
Home Value
$96,300
66% lower than US avg
Violent Crime
291/100K
24% lower than US avg
Bachelor's+
8.3%
75% lower than US avg
Median Rent
$775
33% lower than US avg
Obesity Rate
39.2%
22% higher than US avg
Unemployment
4.5%
25% higher than US avg
Poverty Rate
31.6%
155% higher than US avg
How Girard Compares to the U.S. Average (100% = U.S. avg)
People
Population1,740
Median Age40.4 yrs
Density1,871/mi²
Male / Female49% / 51%
Largest GroupWhite 96%
Veterans7.3%
Economy
C
Median Income$40,250
Per Capita$23,450
Unemployment4.5%
Poverty31.6%
County GDP$1,525M
Commute27 min
Housing
A+
Home Value$96,300
Rent$775
Ownership49.0%
Zillow$152,828
Housing Units759
Rent Burden24.3%
Crime
F
Violent291/100K
Property1,308/100K
Health
Obesity39.2%
Uninsured9.6%
Smoking19.3%
Depression25.8%
Heart Disease6.5%
Climate
Avg Temp53°F (12°C)
AQI43 (Good)
Rain40.0 in/yr
Sunny Days293/yr
Elevation671 ft (205 m)
Education
D
Bachelor's+8.3%
High School+85.2%
Graduate+2.2%
School Score5.54
Community
2024 VoteR 69% / D 29%
Commute27 min
Broadband79.3%
EV Stations1
Libraries9
Is Girard a Good Place to Live?
Based on current data, Girard receives an overall livability score of 2.5 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Girard has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Girard is $40,250, 46% below the national average of $75,149. Unemployment stands at 4.5%, indicating a healthy job market. The poverty rate of 31.6% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Girard is $96,300, 66% below the national median / offering relatively affordable homeownership. Renters pay a median of $775 per month, below the national average / a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Girard is below the national average at 291 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,308 per 100,000, 33% below the national average.
Education
8.3% of residents hold a bachelor's degree, below the national average of 33.7%. 85.2% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Girard experiences four distinct seasons with an average temperature of 53°F. Winters average 28°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.0 inches, including 16.5 inches of snow. Air quality is rated Good with a median AQI of 43.
Girard has a population of 1,740 with a density of 1,871 people per square mile, spread across 0.9 square miles. The median age is 40.4 years, 4% older than the national median of 38.9. The gender split is 51.4% female and 48.6% male. The city is predominantly White (96%), with 2.5% Hispanic. English is the primary language spoken at home by 99% of residents. 7.3% of the population are veterans, above the national rate of 6.0%. 28.9% of residents have a disability (above the 13.0% national average). 96.6% have health insurance coverage.
Population
40.4yrs
Median Age
4% above US avg
Language Spoken at Home
English Only
99.0%
26% above US avg
Spanish
1.0%
93% below US avg
The median household income in Girard is $40,250, which is 46% below the national average of $75,149. Per capita income is $23,450 (below the $39,052 national figure). The average weekly wage is $898, 37% lower than the U.S. average. The unemployment rate is 4.5% (above the 3.6% US average). 31.6% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 887 business establishments, including 88 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 27 minutes. 10.6% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $40,250 |
| 46% below US avg |
| Per Capita Income | $23,450 |
| Avg Weekly Wage | $898 |
| IRS Avg AGI | $67,326 |
| Gini Index | 0.428 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.5% |
| 25% above US avg |
| Poverty Rate | 31.6% |
| 155% above US avg |
| Establishments (County) | 887 |
| County GDP | $1,525M |
Business (County)
| Restaurants | 88 |
| Healthcare | 78 |
| Retail | 116 |
| Manufacturing | 33 |
Tax & Cost of Living
| Property Tax (IRS) | $3,826 |
| 9% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 3.97% |
Commute & Transportation
| Commute Time | 26.7 min |
| Drive Alone | 79.4% |
| Public Transit | 0.0% |
| Work from Home | 10.6% |
The median home value in Girard is $96,300, 66% below the national median of $281,900. Zillow estimates the typical home value at $152,828, higher than the Census estimate. Homes sell for 97.1% of their list price. Monthly rent averages $775 (33% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 49.0% of housing units are owner-occupied (below the 65.4% national rate). There are 759 total housing units in the city. The median year a home was built is 1953. The average annual property tax is $3,826. 24.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $96,300 |
| 66% below US avg |
| Zillow ZHVI | $152,828 |
Real Estate Market (Redfin)
| $/Sq Ft | $100 |
| Homes Sold | 3 |
| Sale-to-List Ratio | 97.1% |
| Price Drops | 100.0% |
| Inventory | 3 |
Rental Costs
| Census Median Rent | $775 |
| 33% below US avg |
| Rent Burden | 24.3% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 49.0% |
| Owner-Occupied | 49.0% |
| Renter-Occupied | 51.0% |
| Housing Units | 759 |
| Median Year Built | 1953 |
Property Tax
| Avg Tax (IRS) | $3,826 |
| 9% above US avg |
| Effective Rate | 3.97% |
In Girard, 39.2% of adults are obese, above the national rate of 32.1%. 11.3% have diabetes. Heart disease affects 6.5% of residents. 33.9% have high blood pressure. 19.3% are current smokers (above the 14.0% national rate). 19.2% report binge drinking. 26.5% are physically inactive. 25.8% report depression (above the 20.0% national average). 20.9% experience frequent mental distress. 9.6% of residents lack health insurance. The primary care physician ratio is 1:4,037. The dentist ratio is 1:2,950. 78.1% of residents have access to exercise opportunities. The food environment index is 8.1 out of 10.
Health Metrics: Girard vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.2% |
| 22% above US avg |
| Diabetes | 11.3% |
| Heart Disease | 6.5% |
| High Blood Pressure | 33.9% |
| Asthma | 11.4% |
| COPD | 8.9% |
| Cancer | 7.4% |
| Stroke | 3.6% |
Behaviors & Mental Health
| Smoking | 19.3% |
| 38% above US avg |
| Binge Drinking | 19.2% |
| Physical Inactivity | 26.5% |
| Depression | 25.8% |
| Mental Distress | 20.9% |
| Physical Distress | 15.1% |
| Short Sleep | 39.6% |
Healthcare Access
| Insurance Rate | 96.6% |
| Uninsured | 9.6% |
| 12% above US avg |
| Primary Care | 1:4,037 |
| Dentists | 1:2,950 |
| Mental Health | 1:1,158 |
| Checkup Rate | 75.1% |
| Dental Visits | 52.3% |
| Premature Death | 9,298/100K |
Food & Exercise
| Food Environment | 8.1/10 |
| Exercise Access | 78.1% |
| Healthcare Facilities | 78 |
Girard has a violent crime rate of 291 per 100,000 residents, 24% below the national average of 380. Property crime stands at 1,308 per 100,000, 33% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Girard receives a safety grade of F.
Crime Rates: Girard vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 290.6/100K |
| 24% below US avg |
| |
Property Crime
| Total Property | 1,307.8/100K |
| 33% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Girard experiences four distinct seasons with an average annual temperature of 53°F (12°C). Winters average 28°F in January while summers reach 76°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.0 inches. The area receives 16.5 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 671 feet.
Temperature
28°F Jan (-2°C)
76°F Jul (25°C)
| Annual Average | 53.4°F |
| 1% below US avg |
| January Average | 28°F (-2°C) |
| July Average | 76°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 671 ft (205 m) |
| Area | 0.9 sq mi (2.4 km²) |
| Population Density | 1,871/sq mi |
| Coordinates | 39.4466°N, 89.7820°W |
| Timezone | America/Chicago |
| County | Macoupin County County |
| Nearest Airport | St Louis Regional (ALN)
41 miles away |
Precipitation & Snow
Annual Rainfall
40.0"
5% above US avg
Wettest Month (May)
4.29"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0477 ppm |
| NO₂ (Nitrogen Dioxide) | 3.9 ppb |
| SO₂ (Sulfur Dioxide) | 0.61 ppb |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 79.9 / 100 |
| Social Vulnerability | 50.7 / 100 |
| Community Resilience | 72.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
16 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.4. Most recent: M3.3 on May 13, 2025.
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
85 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
125 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
79 km |
| Oct 24, 1990 |
5 km ENE of Woodlawn, Illinois |
M3.2 |
141 km |
| Jul 1, 2017 |
9 km SSE of Mulberry Grove, Illinois |
M3.1 |
82 km |
| Sep 5, 1995 |
3 km N of Woodlawn, Illinois |
M2.9 |
137 km |
| Sep 5, 2004 |
3 km WNW of Saint Peter, Illinois |
M2.9 |
99 km |
| Apr 24, 1990 |
5 km SW of Newton, Illinois |
M2.9 |
147 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
119 km |
| Mar 28, 2024 |
1 km NNE of Germantown, Illinois |
M2.8 |
100 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
120 km |
| Sep 13, 1997 |
3 km SSE of Darmstadt, Illinois |
M2.8 |
129 km |
| Sep 5, 2015 |
5 km SE of High Ridge, Missouri |
M2.7 |
128 km |
| Sep 19, 2024 |
1 km S of Old Monroe, Missouri |
M2.6 |
102 km |
| May 17, 2022 |
6 km NNW of Mount Vernon, Illinois |
M2.5 |
140 km |
| Jan 15, 1998 |
1 km SSE of Fenton, Missouri |
M2.5 |
119 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
662 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 29 fatalities, 660 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 22, 2011 |
EF4 |
100 km |
0 |
| Apr 3, 1981 |
EF4 |
86 km |
0 |
| Mar 20, 1976 |
EF4 |
93 km |
0 |
| Jun 14, 1957 |
EF4 |
35 km |
2 |
| Dec 10, 2021 |
EF3 |
80 km |
6 |
| Dec 1, 2018 |
EF3 |
33 km |
0 |
| May 31, 2013 |
EF3 |
79 km |
0 |
| Apr 19, 2011 |
EF3 |
4 km |
0 |
| Dec 31, 2010 |
EF3 |
60 km |
0 |
| Aug 19, 2009 |
EF3 |
60 km |
0 |
| Jun 1, 1999 |
EF3 |
17 km |
1 |
| Apr 19, 1996 |
EF3 |
66 km |
0 |
| May 9, 1995 |
EF3 |
48 km |
0 |
| Nov 15, 1988 |
EF3 |
94 km |
0 |
| May 1, 1983 |
EF3 |
96 km |
0 |
| May 1, 1983 |
EF3 |
45 km |
0 |
| Apr 7, 1980 |
EF3 |
88 km |
0 |
| Jul 26, 1978 |
EF3 |
39 km |
0 |
| Aug 21, 1977 |
EF3 |
97 km |
6 |
| Aug 6, 1977 |
EF3 |
21 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
1.8 in |
Coldest, Driest |
| February |
31°F (-1°C) |
2.0 in |
|
| March |
42°F (6°C) |
3.4 in |
|
| April |
53°F (12°C) |
3.8 in |
|
| May |
64°F (18°C) |
4.3 in |
Wettest |
| June |
72°F (22°C) |
3.9 in |
|
| July |
76°F (25°C) |
3.7 in |
Warmest |
| August |
74°F (23°C) |
3.4 in |
|
| September |
67°F (20°C) |
3.3 in |
|
| October |
56°F (13°C) |
2.7 in |
|
| November |
43°F (6°C) |
3.2 in |
|
| December |
31°F (-0°C) |
2.8 in |
|
Girard has a seasonal temperature swing of 48°F / from 28°F in January to 76°F in July. Total annual precipitation is 38.1 inches, with May being the wettest month (4.3") and January the driest (1.8").
Average costs for common services in Girard. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $855 |
| Toddler | $766 |
| Preschool | $818 |
| Family Childcare (monthly) |
| Infant | $570 |
| Toddler | $570 |
| Preschool | $570 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Girard
What is the population of Girard?
Girard has a population of 1,740 residents and is located in Illinois. The population density is 1,871 people per square mile, spread across 0.9 square miles. The median age of residents is 40.4 years. The population is 51.4% female and 48.6% male.
Is Girard expensive to live in?
Girard has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $40,250, 46% below the national average of $75,149. The median home value is $96,300 (66% below the U.S. median). Renters pay a median of $775 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is Girard safe?
Girard is safer than the national average, with a violent crime rate of 291 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,308 per 100,000 (below the national average). Overall, Girard receives a safety grade of F based on combined crime data.
What is the weather like in Girard?
Girard has a four-season climate with an average annual temperature of 53°F (12°C). Winter temperatures average 28°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 40.0 inches, with 16.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Girard?
Girard has a healthy job market with an unemployment rate of 4.5%, near the national average of 3.6%. The average weekly wage is $898. There are 887 business establishments in the area, including 88 restaurants and food service locations. The average commute time is 27 minutes, and 10.6% of workers work from home.
How much does housing cost in Girard?
The median home value in Girard is $96,300. Zillow estimates the typical home value at $152,828. For renters, the median monthly rent is $775. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 49.0%. The average annual property tax is $3,826.
How are the schools in Girard?
Schools in Girard score 5.5 out of 10 on standardized testing, near the national average. 8.3% of adults in Girard hold a bachelor's degree or higher, below the national average of 33.7%. 85.2% have completed high school. 2.2% hold a graduate or professional degree.
How healthy is Girard?
The obesity rate in Girard is 39.2% (above the national rate of 32.1%). 19.3% of adults are smokers. 26.5% are physically inactive. 25.8% of residents report depression. 9.6% lack health insurance. 78.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,037.
What is transportation like in Girard?
The average commute in Girard is 27 minutes. 79.4% of workers drive alone to work, and 10.6% work from home.
What are the demographics of Girard?
The racial and ethnic makeup of Girard is 96% White, 2.5% Hispanic or Latino. 99% of residents speak only English at home. 7.3% of the population are military veterans. 28.9% of residents have a disability. 96.6% have health insurance coverage.
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