Financial Literacy in Garrison, ND
With a population of roughly 1,465, Garrison, North Dakota is among the larger communities in North Dakota, ranking 33rd of 355 by population. Its population has held essentially flat since 2020, moving less than a percent either way. The median age is 52, skewing older, where the pressing questions shift toward retirement income, medical costs and passing things on.
21% of Garrison residents 25 and older have completed a bachelor's degree or more. That tracks the North Dakota average of 20.8% closely. Put the other way round: of the 1,090 adults 25 and over counted in the 2019–2023 ACS, roughly 861 — 79% — are building their financial lives without a four-year degree behind them.
The typical household here earns $68,646 a year. About 11.9% of residents live below the poverty line. The median home is valued at $181,800, roughly 2.6× median household income.
Garrison by the numbers
| Measure | Value |
|---|---|
| Population (2024) | 1,465 |
| Change since 2020 | 0% |
| Median household income | $68,646 |
| Adults 25+ with a bachelor’s degree | 21% |
| Adults 25+ with a high school diploma | 90.3% |
| Median age | 52 |
| Poverty rate | 11.9% |
| Unemployment rate | 1.4% |
| Median home value | $181,800 |
| Land area | 1.399 sq mi |
| Population density | 1,047 / sq mi |
What North Dakota teaches — and to whom
North Dakota requires personal finance instruction, but folds it into another course rather than a class of its own — so how much a student actually gets depends heavily on the district and the teacher. Coverage like that varies enormously between districts, and it reaches no one who has already graduated.
LearnLife organises this the way the decisions actually arrive: Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Emotional regulation — the self-management that decides whether the other skills ever get used.
Where to start in Garrison
Shift from accumulating to drawing down
With a median age of 52, a large share of Garrison is closer to drawing on savings than building them. The skills that matter shift accordingly: sequencing withdrawals, understanding Medicare's enrolment windows, and getting beneficiary designations and a will actually filled in.
Questions people ask about Garrison
Do high school students in Garrison, North Dakota have to take a personal finance class?
North Dakota requires personal finance content, but delivers it inside another course rather than a dedicated class, so the depth varies by district and teacher.
How many adults in Garrison, North Dakota have a college degree?
21% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 79% are managing their finances without one.
What is the median household income in Garrison, North Dakota?
$68,646, per the Census Bureau's 2019–2023 American Community Survey.
Where can adults in Garrison, North Dakota learn personal finance?
Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.
Start with whichever one is costing you money right now.
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