Median Income
$41,629
45% lower than US avg
Home Value
$84,500
70% lower than US avg
Violent Crime
180/100K
53% lower than US avg
Bachelor's+
31.8%
6% lower than US avg
Median Rent
$795
32% lower than US avg
Obesity Rate
37.8%
18% higher than US avg
Unemployment
0.9%
75% lower than US avg
Poverty Rate
10.4%
16% lower than US avg
How Girard Compares to the U.S. Average (100% = U.S. avg)
People
Population2,706
Median Age38.7 yrs
Density1,161/mi²
Male / Female50% / 50%
Largest GroupWhite 92%
Veterans7.4%
Economy
B+
Median Income$41,629
Per Capita$24,998
Unemployment0.9%
Poverty10.4%
County GDP$2,158M
Commute18 min
Housing
A+
Home Value$84,500
Rent$795
Ownership58.7%
Zillow$149,645
Housing Units1,201
Rent Burden29.9%
Crime
F
Violent180/100K
Property1,621/100K
Murder0.0/100K
Assault108/100K
Burglary540/100K
Health
Obesity37.8%
Uninsured8.7%
Smoking17.3%
Depression23.3%
Heart Disease6.0%
Climate
Avg Temp57°F (14°C)
AQI39 (Good)
Rain45.6 in/yr
Sunny Days305/yr
Elevation994 ft (303 m)
Education
B+
Bachelor's+31.8%
High School+94.1%
Graduate+8.9%
School Score5.65
Community
2024 VoteR 62% / D 36%
Commute18 min
Broadband74.9%
EV Stations1
Libraries7
Is Girard a Good Place to Live?
Based on current data, Girard receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Girard offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Girard is $41,629, 45% below the national average of $75,149. The job market is very strong with unemployment at just 0.9%. 10.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 18 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Girard is $84,500, 70% below the national median / offering relatively affordable homeownership. Renters pay a median of $795 per month, below the national average / a plus for affordability. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Girard is below the national average at 180 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,621 per 100,000, near the national average.
Education
31.8% of residents hold a bachelor's degree, below the national average of 33.7%. 94.1% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Girard enjoys a moderate climate with an average annual temperature of 57°F. Winters average 32°F in January while summers reach 80°F in July. With 305 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 45.6 inches, including 6.2 inches of snow. Air quality is rated Good with a median AQI of 39.
Girard has a population of 2,706 with a density of 1,161 people per square mile, spread across 2.3 square miles. The median age is 38.7 years, 1% younger than the national median of 38.9. The gender split is 50.4% female and 49.6% male. The city is predominantly White (92.2%), with 3.2% Hispanic, 1.1% Black. English is the primary language spoken at home by 97.9% of residents. 7.4% of the population are veterans, above the national rate of 6.0%. 16.0% of residents have a disability (above the 13.0% national average). 83.2% have health insurance coverage.
Population
38.7yrs
Median Age
1% below US avg
Language Spoken at Home
English Only
97.9%
25% above US avg
Spanish
2.1%
84% below US avg
The median household income in Girard is $41,629, which is 45% below the national average of $75,149. Per capita income is $24,998 (below the $39,052 national figure). The average weekly wage is $869, 39% lower than the U.S. average. The unemployment rate is 0.9% (below the 3.6% US average). 10.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,084 business establishments, including 101 restaurants. The cost of living index is 90.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 18 minutes (shorter than the 28-minute US average). 1.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $41,629 |
| 45% below US avg |
| Per Capita Income | $24,998 |
| Avg Weekly Wage | $869 |
| IRS Avg AGI | $63,070 |
| Gini Index | 0.466 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.9% |
| 75% below US avg |
| Poverty Rate | 10.4% |
| 16% below US avg |
| Establishments (County) | 1,084 |
| County GDP | $2,158M |
Business (County)
| Restaurants | 101 |
| Healthcare | 133 |
| Retail | 137 |
| Manufacturing | 44 |
Tax & Cost of Living
| Property Tax (IRS) | $4,300 |
| 23% above US avg |
| Cost of Living | 90.10 (100=avg) |
| Effective Tax Rate | 5.09% |
Commute & Transportation
| Commute Time | 17.6 min |
| Drive Alone | 75.6% |
| Public Transit | 0.0% |
| Work from Home | 1.9% |
The median home value in Girard is $84,500, 70% below the national median of $281,900. Zillow estimates the typical home value at $149,645, higher than the Census estimate. Monthly rent averages $795 (32% below the national average of $1,163). Fair market rent ranges from $753 for a one-bedroom to $947 for a two-bedroom apartment. 58.7% of housing units are owner-occupied. There are 1,201 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $4,300 (higher than the $3,500 national average). 29.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $84,500 |
| 70% below US avg |
| Zillow ZHVI | $149,645 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $795 |
| 32% below US avg |
| Rent Burden | 29.9% |
HUD Fair Market Rent
| Studio | $702 |
| 1 Bedroom | $753 |
| 2 Bedrooms | $947 |
| 3 Bedrooms | $1,223 |
| 4 Bedrooms | $1,397 |
Ownership & Property
| Homeownership | 58.7% |
| Owner-Occupied | 58.7% |
| Renter-Occupied | 41.3% |
| Housing Units | 1,201 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $4,300 |
| 23% above US avg |
| Effective Rate | 5.09% |
In Girard, 37.8% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 6.0% of residents. 34.0% have high blood pressure. 17.3% are current smokers (above the 14.0% national rate). 17.3% report binge drinking. 25.9% are physically inactive. 23.3% report depression (above the 20.0% national average). 18.5% experience frequent mental distress. 8.7% of residents lack health insurance. The primary care physician ratio is 1:1,504. The dentist ratio is 1:1,776. 75.9% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Girard vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.8% |
| 18% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 6.0% |
| High Blood Pressure | 34.0% |
| Asthma | 10.8% |
| COPD | 7.3% |
| Cancer | 7.5% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 17.3% |
| 24% above US avg |
| Binge Drinking | 17.3% |
| Physical Inactivity | 25.9% |
| Depression | 23.3% |
| Mental Distress | 18.5% |
| Physical Distress | 13.5% |
| Short Sleep | 36.1% |
Healthcare Access
| Insurance Rate | 83.2% |
| Uninsured | 8.7% |
| 1% above US avg |
| Primary Care | 1:1,504 |
| Dentists | 1:1,776 |
| Mental Health | 1:352 |
| Checkup Rate | 75.2% |
| Dental Visits | 58.5% |
| Premature Death | 11,703/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 75.9% |
| Healthcare Facilities | 133 |
Girard has a violent crime rate of 180 per 100,000 residents, 53% below the national average of 380. This breaks down to aggravated assault at 108.1 per 100,000, robbery at 0.0, rape at 72.1. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,621 per 100,000, 17% below the U.S. average. This includes larceny/theft at 937, burglary at 540, vehicle theft at 144 per 100,000 residents. The county recorded 5 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 | 180.1/100K |
| 53% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 72.1/100K |
| Robbery | 0.0/100K |
| Assault | 108.1/100K |
Property Crime
| Total Property | 1,621.0/100K |
| 17% below US avg |
| Burglary | 540.4/100K |
| Theft | 936.6/100K |
| Vehicle Theft | 144.1/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 13 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Girard enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 32°F in January while summers reach 80°F in July. The area gets 305 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 45.6 inches. The area receives 6.2 inches of snow annually. Air quality is rated Good with a median AQI of 39. The city sits at an elevation of 994 feet.
Temperature
32°F Jan (0°C)
80°F Jul (26°C)
| Annual Average | 56.6°F |
| 5% above US avg |
| January Average | 32°F (0°C) |
| July Average | 80°F (26°C) |
| Sunny Days | 305 days/yr |
Geography
| Elevation | 994 ft (303 m) |
| Area | 2.3 sq mi (6.0 km²) |
| Population Density | 1,161/sq mi |
| Coordinates | 37.5089°N, 94.8455°W |
| Timezone | America/Chicago |
| County | Crawford County County |
| Nearest Airport | Joplin Regional (JLN)
29 miles away |
Precipitation & Snow
Annual Rainfall
45.6"
20% above US avg
Wettest Month (Jun)
5.55"
Air Quality
| AQI Median | 39.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 71.4 / 100 |
| Social Vulnerability | 51.9 / 100 |
| Community Resilience | 62.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively High |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
7 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.3. Most recent: M2.8 on Mar 23, 2024.
| May 18, 2005 |
Missouri |
M3.3 |
131 km |
| Mar 30, 2001 |
1 km SW of Hermitage, Missouri |
M3.1 |
142 km |
| Mar 23, 2024 |
9 km SE of Foyil, Oklahoma |
M2.8 |
138 km |
| Jan 14, 2016 |
7 km W of Talala, Oklahoma |
M2.7 |
137 km |
| May 21, 2010 |
2 km SW of Centerton, Arkansas |
M2.6 |
138 km |
| Apr 4, 2015 |
3 km ESE of Clinton, Missouri |
M2.6 |
135 km |
| Apr 29, 2010 |
3 km SW of Centerton, Arkansas |
M2.5 |
139 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
537 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 220 fatalities, 2,038 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 22, 2011 |
EF5 |
55 km |
158 |
| May 10, 2008 |
EF4 |
62 km |
21 |
| Feb 28, 2007 |
EF4 |
73 km |
0 |
| May 4, 2003 |
EF4 |
25 km |
4 |
| Apr 24, 1975 |
EF4 |
79 km |
3 |
| Apr 12, 1964 |
EF4 |
79 km |
3 |
| Sep 27, 1959 |
EF4 |
82 km |
1 |
| Apr 3, 1956 |
EF4 |
83 km |
0 |
| May 22, 2019 |
EF3 |
49 km |
0 |
| May 22, 2019 |
EF3 |
58 km |
3 |
| Apr 21, 2005 |
EF3 |
46 km |
0 |
| May 4, 2003 |
EF3 |
49 km |
5 |
| May 4, 2003 |
EF3 |
87 km |
7 |
| May 4, 2003 |
EF3 |
30 km |
5 |
| Apr 19, 2000 |
EF3 |
70 km |
0 |
| May 4, 1999 |
EF3 |
96 km |
0 |
| May 17, 1995 |
EF3 |
49 km |
0 |
| Mar 26, 1983 |
EF3 |
16 km |
0 |
| Mar 15, 1982 |
EF3 |
5 km |
2 |
| Mar 15, 1982 |
EF3 |
75 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
15 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (4,424 ac, 2004).
| Year |
Name |
Acres |
Distance |
| 2004 |
UNNAMED |
4,424 |
84 km |
| 1986 |
UNNAMED |
3,427 |
69 km |
| 1991 |
UNNAMED |
2,043 |
29 km |
| 1990 |
UNNAMED |
1,823 |
93 km |
| 2015 |
VOLZ FIRE |
1,662 |
86 km |
| 2005 |
NR STEELE |
1,652 |
82 km |
| 1988 |
UNNAMED |
1,539 |
36 km |
| 1989 |
UNNAMED |
1,523 |
86 km |
| 2010 |
NO TORCH |
1,356 |
95 km |
| 1996 |
UNNAMED |
1,346 |
69 km |
| 2006 |
GRAND |
1,067 |
35 km |
| 1984 |
RESIDENT |
1,048 |
61 km |
| 1992 |
UNNAMED |
912 |
99 km |
| 2005 |
UNNAMED |
860 |
100 km |
| 2000 |
UNNAMED |
802 |
86 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
32°F (0°C) |
1.5 in |
Coldest, Driest |
| February |
37°F (3°C) |
1.7 in |
|
| March |
47°F (8°C) |
3.5 in |
|
| April |
56°F (14°C) |
3.8 in |
|
| May |
65°F (19°C) |
5.3 in |
|
| June |
74°F (23°C) |
5.6 in |
Wettest |
| July |
80°F (26°C) |
3.5 in |
Warmest |
| August |
78°F (26°C) |
4.0 in |
|
| September |
70°F (21°C) |
4.8 in |
|
| October |
59°F (15°C) |
4.2 in |
|
| November |
45°F (7°C) |
3.1 in |
|
| December |
35°F (2°C) |
1.9 in |
|
Girard has a seasonal temperature swing of 48°F / from 32°F in January to 80°F in July. Total annual precipitation is 42.8 inches, with June being the wettest month (5.6") and January the driest (1.5").
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) |
$225 ($135–$360) |
| Specialist Visit |
$315 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$315) |
| Emergency Room Visit |
$1,982 ($721–$4,505) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$225 ($135–$360) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$270 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($360–$901) |
| Battery Replacement |
$180 ($90–$315) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$360 ($135–$721) |
| HVAC System Install |
$6,307 ($3,604–$10,812) |
| Roof Repair |
$901 ($360–$1,802) |
| Roof Replacement |
$8,109 ($4,956–$13,515) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,352 ($451–$3,154) |
| Divorce (Contested) |
$13,515 ($4,505–$27,030) |
| DUI Defense |
$4,505 ($1,802–$9,010) |
| Bankruptcy (Chapter 7) |
$1,352 ($721–$2,703) |
| Will Preparation |
$451 ($180–$901) |
| Trust Preparation |
$2,253 ($901–$4,505) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$225) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.69 ($2.70–$4.96) |
| Dozen Eggs (per dozen) |
$3.15 ($2.25–$4.51) |
| Loaf of Bread |
$3.42 ($2.25–$4.96) |
| Chicken Breast (per lb) |
$4.05 ($2.70–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.60–$6.76) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$225) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,802 ($1,081–$3,154) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.21–$23) |
| Car Registration (Annual) |
$90 ($27–$225) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,081 ($541–$2,253) |
| Daycare (Toddler, Monthly) |
$901 ($451–$1,802) |
| After-School Care (Monthly) |
$360 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$901 ($360–$2,253) |
| Private School (K-12, Annual) |
$11,263 ($4,505–$27,030) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$270 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$360) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $414 |
| Toddler | $423 |
| Preschool | $423 |
| Family Childcare (monthly) |
| Infant | $426 |
| Toddler | $361 |
| Preschool | $361 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Girard
What is the population of Girard?
Girard has a population of 2,706 residents and is located in Kansas. The population density is 1,161 people per square mile, spread across 2.3 square miles. The median age of residents is 38.7 years. The population is 50.4% female and 49.6% male.
Is Girard expensive to live in?
Girard is more affordable than the national average, with a cost of living index of 90.1 / below the baseline of 100. The median household income is $41,629, 45% below the national average of $75,149. The median home value is $84,500 (70% below the U.S. median). Renters pay a median of $795 per month, below the national average of $1,163. The home price-to-income ratio is 2x, 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 180 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,621 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 enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 32°F in January, while summers reach an average of 80°F in July. The area receives 305 sunny days per year, well above the national average of 205. Annual rainfall totals 45.6 inches, with 6.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 39.
How is the job market in Girard?
The job market in Girard is very strong, with unemployment at just 0.9% / well below the national rate of 3.6%. The average weekly wage is $869. There are 1,084 business establishments in the area, including 101 restaurants and food service locations. The average commute time is 18 minutes, and 1.9% of workers work from home.
How much does housing cost in Girard?
The median home value in Girard is $84,500. Zillow estimates the typical home value at $149,645. For renters, the median monthly rent is $795. Fair market rent is $753 for a 1-bedroom and $947 for a 2-bedroom apartment. The homeownership rate is 58.7%. The average annual property tax is $4,300.
How are the schools in Girard?
Schools in Girard score 5.7 out of 10 on standardized testing, near the national average. 31.8% of adults in Girard hold a bachelor's degree or higher, below the national average of 33.7%. 94.1% have completed high school. 8.9% hold a graduate or professional degree.
How healthy is Girard?
The obesity rate in Girard is 37.8% (above the national rate of 32.1%). 17.3% of adults are smokers. 25.9% are physically inactive. 23.3% of residents report depression. 8.7% lack health insurance. 75.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,504.
What is transportation like in Girard?
The average commute in Girard is 18 minutes, shorter than the national average of 28 minutes. 75.6% of workers drive alone to work, and 1.9% work from home.
What are the demographics of Girard?
The racial and ethnic makeup of Girard is 92.2% White, 1.1% Black or African American, 3.2% Hispanic or Latino. 97.9% of residents speak only English at home. 7.4% of the population are military veterans. 16.0% of residents have a disability. 83.2% have health insurance coverage.
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