Pembroke, KY—42266
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Pembroke, KY
As of Oct '25, the median home price in Pembroke, KY is $273,000, with a year-over-year change of 6.1%. This indicates that home prices in Pembroke, KY are increasing. According to Zillow, the 1-year price projection is 2.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $273,000 | 6.1% |
| Single Family | $273,000 | 6.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $168,000 | 8.4% |
3 Bed | $269,000 | 4.7% |
4 Bed | $357,000 | 5.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Pembroke, KY
As of July '25, Rentcast reports the average rent in Pembroke, KY is $618, with a year-over-year rent change of -15.7%. Per bedroom, the median rent as of July '25 in Pembroke, KY is 1-bedrooms: $525, 2-bedrooms: $633. The most common rental property sizes in Pembroke, KY are 3-bedroom and 2-bedroom, accounting for 46.4% and 42.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $625 | $618 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $525 | $525 |
| 2 Bed Rent | $625 | $633 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Pembroke, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Pembroke, KY is 68. This is a increase of 402.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $317,000 | 16.0% |
Listing Count | 7 | 144.0% |
| Listings as % of Homes | 0.4% | 144.0% |
Days on Market | 68 | 402.0% |
Demographics — Pembroke, KY
As of the latest ACS Survey released in 2023, Pembroke, KY has a population of 3,200, which has increased by 49.8% over the past 5 years. Pembroke, KY is a popular place for families, as children make up 34.4% of the population. The area has a poorly educated workforce, with 20.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,200 | 49.8% |
% Under 18 | 34.4% | 25.1% |
% Seniors | 13.7% | -14.9% |
% WFH | 10.9% | 26.7% |
% w/ College Degree | 20.8% | 49.6% |
As of the latest ACS Survey released in 2023, Pembroke, KY is a predominantly white area, with 72.7% of the population identifying as white. The white population has shrunk by 17.1% in the last 5 years. The second most common race or ethnicity in Pembroke, KY is hispanic, making up 11.6% of the population. Foreign-born residents account for 1.0% of the population in Pembroke, KY, and this percentage has decreased by 23.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.7% | -17.1% |
% Black | 10.4% | -11.9% |
% Hispanic | 11.6% | 728.6% |
% Asian | 1.7% | ∞% |
% Foreign Born | 1.0% | -23.1% |
Mortgage and Risk — Pembroke, KY
According to HUD data as of 2023, there were 46 mortgage originations in Pembroke, KY, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Pembroke, KY. Investor activity is low, as 15.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 46 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 15.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Pembroke, KY
Pembroke, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 7 |
Total Units Section 8 | 7 |
% Rentals under Section 8 | 2.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $355 | $525 | $880 |
| 2 Bedroom | $505 | $625 | $1,130 |
| 3 Bedroom | N/A | N/A | $1,580 |
| 4 Bedroom | N/A | N/A | $1,910 |
Affordability — Pembroke, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $273,000 |
| Median Household Income | $68,100 |