Median Income
$69,196
8% lower than US avg
Home Value
$190,600
32% lower than US avg
Violent Crime
112/100K
71% lower than US avg
Bachelor's+
21.0%
38% lower than US avg
Median Rent
$909
22% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
1.8%
50% lower than US avg
Poverty Rate
3.8%
69% lower than US avg
How Pembroke Compares to the U.S. Average (100% = U.S. avg)
People
Population817
Median Age43.2 yrs
Density736/mi²
Male / Female51% / 49%
Largest GroupWhite 70%
Veterans14.7%
Economy
A
Median Income$69,196
Per Capita$29,293
Unemployment1.8%
Poverty3.8%
County GDP$569M
Commute22 min
Housing
A+
Home Value$190,600
Rent$909
Ownership66.7%
Zillow$271,723
Housing Units437
Rent Burden23.6%
Crime
F
Violent112/100K
Property448/100K
Murder0.0/100K
Assault112/100K
Burglary112/100K
Climate
Avg Temp58°F (15°C)
AQI41 (Good)
Rain47.2 in/yr
Sunny Days305/yr
Elevation567 ft (173 m)
Education
C+
Bachelor's+21.0%
High School+87.2%
Graduate+4.2%
School Score5.23
Community
2024 VoteR 78% / D 21%
Commute22 min
Broadband79.7%
EV Stations4
Libraries2
Is Pembroke a Good Place to Live?
Based on current data, Pembroke 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. Pembroke offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Pembroke is $69,196, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.8%. Only 3.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Pembroke is $190,600, 32% below the national median / offering relatively affordable homeownership. Renters pay a median of $909 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Pembroke is a very safe community with a violent crime rate of 112 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 448 per 100,000, 77% below the national average.
Education
21.0% of residents hold a bachelor's degree, below the national average of 33.7%. 87.2% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Pembroke enjoys a moderate climate with an average annual temperature of 58°F. Winters average 37°F in January while summers reach 78°F in July. With 305 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 47.2 inches. Air quality is rated Good with a median AQI of 41.
Pembroke has a population of 817 with a density of 736 people per square mile, spread across 1.1 square miles. The median age is 43.2 years, 11% older than the national median of 38.9. The gender split is 49.4% female and 50.6% male. The city is predominantly White (70%), with 2.7% Hispanic, 10.2% Black. English is the primary language spoken at home by 92.7% of residents, while 7.3% speak Spanish. 14.7% of the population are veterans, above the national rate of 6.0%. 19.2% of residents have a disability (above the 13.0% national average). 95.7% have health insurance coverage.
Population
43.2yrs
Median Age
11% above US avg
Language Spoken at Home
English Only
92.7%
18% above US avg
Spanish
7.3%
46% below US avg
The median household income in Pembroke is $69,196, which is 8% below the national average of $75,149. Per capita income is $29,293 (below the $39,052 national figure). The average weekly wage is $919, 36% lower than the U.S. average. The unemployment rate is 1.8% (below the 3.6% US average). 3.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 323 business establishments, including 11 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 8.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $69,196 |
| 8% below US avg |
| Per Capita Income | $29,293 |
| Avg Weekly Wage | $919 |
| IRS Avg AGI | $60,227 |
| Gini Index | 0.495 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.8% |
| 50% below US avg |
| Poverty Rate | 3.8% |
| 69% below US avg |
| Establishments (County) | 323 |
| County GDP | $569M |
Business (County)
| Restaurants | 11 |
| Healthcare | 15 |
| Retail | 44 |
| Manufacturing | 23 |
Tax & Cost of Living
| Property Tax (IRS) | $1,879 |
| 46% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 0.99% |
Commute & Transportation
| Commute Time | 22.2 min |
| Drive Alone | 71.5% |
| Public Transit | 0.0% |
| Work from Home | 8.3% |
The median home value in Pembroke is $190,600, 32% below the national median of $281,900. Zillow estimates the typical home value at $271,723, higher than the Census estimate. Homes sell for 91.3% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $909 (22% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 66.7% of housing units are owner-occupied. There are 437 total housing units in the city. The median year a home was built is 1993. The average annual property tax is $1,879 (lower than the $3,500 national average). 23.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $190,600 |
| 32% below US avg |
| Zillow ZHVI | $271,723 |
| Median List Price | $199,900 |
Real Estate Market (Redfin)
| Median List Price | $199,900 |
| $/Sq Ft | $147 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 91.3% |
| Price Drops | 20.0% |
| Inventory | 5 |
Rental Costs
| Census Median Rent | $909 |
| 22% below US avg |
| Rent Burden | 23.6% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 66.7% |
| Owner-Occupied | 66.7% |
| Renter-Occupied | 33.3% |
| Housing Units | 437 |
| Median Year Built | 1993 |
Property Tax
| Avg Tax (IRS) | $1,879 |
| 46% below US avg |
| Effective Rate | 0.99% |
In Pembroke, 34.5% of adults are obese, above the national rate of 32.1%. The primary care physician ratio is 1:6,142. The dentist ratio is 1:12,404. 33.7% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Pembroke vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 95.7% |
| |
| Primary Care | 1:6,142 |
| Dentists | 1:12,404 |
| Mental Health | 1:1,785 |
| Dental Visits | 59.3% |
| Premature Death | 11,430/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 33.7% |
| Healthcare Facilities | 15 |
Pembroke has a violent crime rate of 112 per 100,000 residents, 71% below the national average of 380. This breaks down to aggravated assault at 112.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 448 per 100,000, 77% below the U.S. average. This includes larceny/theft at 336, burglary at 112, vehicle theft at 0 per 100,000 residents. The county recorded 3 fatal traffic crashes. Overall, Pembroke receives a safety grade of F.
Crime Rates: Pembroke vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 112.0/100K |
| 71% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 112.0/100K |
Property Crime
| Total Property | 447.9/100K |
| 77% below US avg |
| Burglary | 112.0/100K |
| Theft | 336.0/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 4 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Pembroke enjoys a temperate climate with an average annual temperature of 58°F (15°C). Winters average 37°F in January while summers reach 78°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 47.2 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 567 feet.
Temperature
37°F Jan (3°C)
78°F Jul (26°C)
| Annual Average | 58.4°F |
| 8% above US avg |
| January Average | 37°F (3°C) |
| July Average | 78°F (26°C) |
| Sunny Days | 305 days/yr |
Geography
| Elevation | 567 ft (173 m) |
| Area | 1.1 sq mi (2.9 km²) |
| Population Density | 736/sq mi |
| Coordinates | 36.7745°N, 87.3595°W |
| Timezone | America/New_York |
| County | Todd County County |
| Nearest Airport | Bowling Green-Warren County Regional (BWG) 54 miles away |
Precipitation & Snow
Annual Rainfall
47.2"
24% above US avg
Wettest Month (Mar)
5.16"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 28.6 / 100 |
| Social Vulnerability | 31.0 / 100 |
| Community Resilience | 12.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
37 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.6. Most recent: M2.5 on Jun 3, 2023.
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
141 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
146 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
135 km |
| Jun 20, 2005 |
4 km WSW of Blandville, Kentucky |
M3.6 |
147 km |
| Sep 26, 1994 |
4 km ENE of Blandville, Kentucky |
M3.4 |
140 km |
| Apr 8, 1998 |
2 km NNW of Blandville, Kentucky |
M3.2 |
145 km |
| Aug 26, 2003 |
5 km WSW of Brookport, Illinois |
M3.1 |
123 km |
| May 30, 2023 |
6 km W of Calhoun, Kentucky |
M3.0 |
85 km |
| Nov 28, 1998 |
6 km SW of Bremen, Kentucky |
M2.9 |
61 km |
| Jun 27, 2000 |
6 km S of Joppa, Illinois |
M2.9 |
138 km |
| Apr 28, 2000 |
6 km W of Equality, Illinois |
M2.9 |
143 km |
| Jan 3, 2003 |
9 km SW of Mount Vernon, Indiana |
M2.9 |
132 km |
| Jan 31, 2007 |
3 km N of Bardwell, Kentucky |
M2.9 |
148 km |
| Jan 28, 1991 |
9 km SW of Sacramento, Kentucky |
M2.8 |
64 km |
| Aug 15, 2001 |
5 km SSE of Spottsville, Kentucky |
M2.7 |
115 km |
| Mar 6, 2000 |
0 km E of Darmstadt, Indiana |
M2.7 |
149 km |
| Jun 20, 2005 |
2 km WSW of Blandville, Kentucky |
M2.7 |
146 km |
| Feb 27, 2020 |
5 km SW of Bremen, Kentucky |
M2.6 |
62 km |
| Sep 12, 2015 |
5 km SE of Corydon, Kentucky |
M2.6 |
107 km |
| Oct 2, 1992 |
5 km S of Joppa, Illinois |
M2.6 |
138 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
539 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 66 fatalities, 1,218 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 15, 2005 |
EF4 |
55 km |
0 |
| Apr 27, 1970 |
EF4 |
42 km |
3 |
| Apr 3, 1968 |
EF4 |
85 km |
2 |
| Mar 4, 1964 |
EF4 |
98 km |
3 |
| May 26, 2024 |
EF3 |
73 km |
1 |
| Dec 9, 2023 |
EF3 |
24 km |
4 |
| Dec 11, 2021 |
EF3 |
31 km |
0 |
| Dec 11, 2021 |
EF3 |
68 km |
16 |
| Mar 3, 2020 |
EF3 |
76 km |
5 |
| Nov 17, 2013 |
EF3 |
44 km |
0 |
| Apr 26, 2011 |
EF3 |
18 km |
0 |
| Apr 10, 2009 |
EF3 |
40 km |
0 |
| Feb 5, 2008 |
EF3 |
44 km |
3 |
| Apr 7, 2006 |
EF3 |
55 km |
0 |
| Apr 7, 2006 |
EF3 |
73 km |
7 |
| Apr 2, 2006 |
EF3 |
28 km |
0 |
| Nov 6, 2005 |
EF3 |
94 km |
0 |
| May 11, 2003 |
EF3 |
98 km |
0 |
| May 11, 2003 |
EF3 |
72 km |
0 |
| May 4, 2003 |
EF3 |
39 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
14 wildfires (100+ acres) within 100 km.
Largest: DEVILS BACKBONE RX (3,215 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
DEVILS BACKBONE RX |
3,215 |
63 km |
| 2010 |
FRANKLIN CREEK RX |
2,828 |
63 km |
| 2019 |
UNNAMED |
2,282 |
64 km |
| 2014 |
UNNAMED |
1,837 |
56 km |
| 2007 |
DEAD DEER |
1,557 |
68 km |
| 2006 |
UNNAMED |
1,493 |
62 km |
| 2024 |
LBL - NWDA UNIT 3 RX |
1,187 |
64 km |
| 2013 |
UNNAMED |
1,167 |
73 km |
| 1999 |
UNNAMED |
1,039 |
69 km |
| 2010 |
BUFFALO TRAIL (NORTH) RX |
959 |
58 km |
| 2020 |
UNNAMED |
917 |
68 km |
| 2006 |
CLAY CREEK |
896 |
61 km |
| 2020 |
UNNAMED |
750 |
70 km |
| 2010 |
SCHOOLHOUSE RX |
722 |
60 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
37°F (3°C) |
3.8 in |
Coldest |
| February |
38°F (3°C) |
4.2 in |
|
| March |
48°F (9°C) |
5.2 in |
Wettest |
| April |
57°F (14°C) |
4.4 in |
|
| May |
66°F (19°C) |
5.0 in |
|
| June |
74°F (23°C) |
4.1 in |
|
| July |
78°F (26°C) |
4.2 in |
Warmest |
| August |
77°F (25°C) |
3.5 in |
|
| September |
70°F (21°C) |
3.6 in |
|
| October |
59°F (15°C) |
3.3 in |
Driest |
| November |
48°F (9°C) |
4.7 in |
|
| December |
39°F (4°C) |
5.0 in |
|
Pembroke has a seasonal temperature swing of 41°F / from 37°F in January to 78°F in July. Total annual precipitation is 50.8 inches, with March being the wettest month (5.2") and October the driest (3.3").
Average costs for common services in Pembroke. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| 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) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| 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) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
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 |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $553 |
| Toddler | $520 |
| Preschool | $520 |
| Family Childcare (monthly) |
| Infant | $518 |
| Toddler | $525 |
| Preschool | $525 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Pembroke
What is the population of Pembroke?
Pembroke has a population of 817 residents and is located in Kentucky. The population density is 736 people per square mile, spread across 1.1 square miles. The median age of residents is 43.2 years, which is older than the national median of 38.9 years. The population is 49.4% female and 50.6% male.
Is Pembroke expensive to live in?
Pembroke is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $69,196, 8% below the national average of $75,149. The median home value is $190,600 (32% below the U.S. median). Renters pay a median of $909 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Pembroke safe?
Pembroke is considered a very safe city with a violent crime rate of 112 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 448 per 100,000 (below the national average). Overall, Pembroke receives a safety grade of F based on combined crime data.
What is the weather like in Pembroke?
Pembroke enjoys a temperate climate with an average annual temperature of 58°F (15°C). Winter temperatures average 37°F in January, while summers reach an average of 78°F in July. The area receives 305 sunny days per year, well above the national average of 205. Annual rainfall totals 47.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Pembroke?
The job market in Pembroke is very strong, with unemployment at just 1.8% / well below the national rate of 3.6%. The average weekly wage is $919. There are 323 business establishments in the area, including 11 restaurants and food service locations. The average commute time is 22 minutes, and 8.3% of workers work from home.
How much does housing cost in Pembroke?
The median home value in Pembroke is $190,600. Zillow estimates the typical home value at $271,723. For renters, the median monthly rent is $909. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 66.7%. The average annual property tax is $1,879.
How are the schools in Pembroke?
Schools in Pembroke score 5.2 out of 10 on standardized testing, near the national average. 21.0% of adults in Pembroke hold a bachelor's degree or higher, below the national average of 33.7%. 87.2% have completed high school. 4.2% hold a graduate or professional degree.
How healthy is Pembroke?
The obesity rate in Pembroke is 34.5% (above the national rate of 32.1%). 33.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:6,142.
What is transportation like in Pembroke?
The average commute in Pembroke is 22 minutes, shorter than the national average of 28 minutes. 71.5% of workers drive alone to work, and 8.3% work from home.
What are the demographics of Pembroke?
The racial and ethnic makeup of Pembroke is 70% White, 10.2% Black or African American, 2.7% Hispanic or Latino. 92.7% of residents speak only English at home, while 7.3% speak Spanish. 14.7% of the population are military veterans. 19.2% of residents have a disability. 95.7% have health insurance coverage.