The typical owner-occupied home in Pembroke is worth about $200,800, 34% below the Georgia median of $303,300 and 40% below the national median of $332,700. Owners pay a median $1,566 a year in property taxes, about 0.78% of their home's value, close to the Georgia rate of 0.77%. The median household earns $72,705 a year, so the median home costs 2.8 times the median income (3.9 times for Georgia). 60% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Pembroke at a glance
| Pembroke | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $200,800 | $303,300 | $332,700 |
| Median property tax paid per year | $1,566 | $2,341 | $3,119 |
| Property tax as a share of value | 0.78% | 0.77% | 0.94% |
| Median household income | $72,705 | $77,353 | $80,734 |
| Homes lived in by their owners | 60% | 66% | 65% |
| Owner homes with a mortgage | 56% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,568 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 24.0% | 20.0% | 21.0% |
| Median rent | $1,037 | $1,393 | $1,413 |
| Rent as a share of renters' income | 19.4% | 31.3% | 30.6% |
| Median year homes were built | 1986 | 1992 | 1980 |
| Vacant homes | 12.1% | 10.3% | 10.1% |
| Population | 2,693 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Pembroke
At this week's average 30-year rate of 7.11%, buying the median Pembroke home of $200,800 with 20% down costs about $1,295 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,629, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $55,493 for the 20%-down payment. That payment is 21% of the median Pembroke household income of $72,705; at that income and 20% down, the 28% guideline points to a home of about $263,000.
The median rent here is $1,037 a month, so owning the median home costs about $258 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $40,160 |
|---|---|
| Loan amount | $160,640 |
| Principal and interest | $1,081 |
| Property taxes (0.78% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $84 |
| PMI | $0 |
| Total per month | $1,295 |
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| Down payment | $7,028 |
|---|---|
| Loan amount | $197,163 |
| Principal and interest | $1,326 |
| Property taxes (0.78% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $84 |
| FHA mortgage insurance | $89 |
| Total per month | $1,629 |
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Questions about home buying in Pembroke
What is the median home value in Pembroke?
About $200,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pembroke?
Homeowners pay a median $1,566 a year, which is about 0.78% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Pembroke?
For the median home with 20% down at 7.11%, the payment is about $1,295 a month. Keeping that under 28% of gross income takes about $55,493 a year.
More about Pembroke
- Mortgage Refinance in Pembroke
- Debt Relief in Pembroke
- Home Equity Loans in Pembroke
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data