Below is a list of Garrard KY zip codes. For your research we have also included Garrard Area Code, Time Zone, UTC and the local Clay County FIPS Code. Each Garrard Kentucky zip code has a center Longitude / Latitude point (the Garrard center is -83.746696472168 / 37.124099731445). For your convenience we have also indicated if that zip code in Garrard observes Daylight Savings time.