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Pembroke city, KY

ZIP 42266 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42266

Median Home Value
$221,600
Median Rent
$704
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,423/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 42266 in Pembroke city, KY, a household would need roughly $61,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,423. That sits below the local median household income ($68,068), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.8%+10% vs US avg
x
Vacancy Rate
19.6%+90% vs US avg
x
Broadband Access
71.5%-18% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
4.2%-92% vs US avg
x
Mortgage-Free
53.8%+41% vs US avg
x
$221,600
Home Value
$704
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.5%
  • 1-unit attached0.0%
  • 2-9 units6.9%
  • 10+ units0.2%
  • Mobile home & other7.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,600
Median rent$704
Owner-occupied71.8%
Vacant19.6%
Price-to-income3.3x
Est. income to buy$61,000