Real Estate Investing in Pembroke, Kentucky (42266)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 42266 (Pembroke, KY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 21.8% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Pembroke, KY (42266)?
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Market Analysis: 42266 Pembroke
On the rental side, ZIP 42266 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $280K median. It rewards specialists, not generalists.
Rent of $999/mo on a $280K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 42266 sits below the stated 0.0% once reality is priced in.
On balance, 42266 offers a low basis, the region around Pembroke has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Meanwhile, 3,203 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
trends toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Pembroke:
Property Strategy for 42266
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $167,892 | $1,110 | 4.8% | +11.6% | $83,946 |
| 3BR | $268,503 | $1,550 | 4.2% | +9.0% | $89,501 |
| 4BR | $356,503 | $1,860 | 3.8% | +8.2% | $89,126 |
Market Trends
Home Value History (with trend line)
📊 How Does 42266 Compare?
| Metric | 42266 | Pembroke | Clarksville, TN-KY | Kentucky |
|---|---|---|---|---|
| Home Value | $279,926 | $279,926 | N/A | $225,788 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 6.9% |
| Avg Rent | $999 | $999 | N/A | - |
| Cap Rate | 2.8% | 2.8% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 42266 (Pembroke, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $279,926 |
| Monthly Rent | $999 |
| Price-to-Rent | 23.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.3% |
| Cap Rate | 2.8% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +2.9% ▲ |
| 3-Year CAGR | +5.8% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 42266
Population: 3,203
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 42266
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,248 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How expensive is real estate in Pembroke, KY?
The median home value in Pembroke, KY is roughly $280K. That puts it reasonable relative to the KY statewide average.
Are eviction rules reasonable in Pembroke, KY?
For rental operators, Pembroke, KY rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
Is Pembroke, KY good for house hacking?
The house hack math a challenging in Pembroke, KY. Owner-occupant buyers benefit from the $999/mo rents and $280K home values.
What is the rental occupancy rate in Pembroke, KY?
Pembroke, KY vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
How much do tenants pay in Pembroke, KY?
Expect rents around $999/mo per month in Pembroke, KY. With home values at $280K, the yield math works out to reasonable levels for rental investors.
You know 42266 now. You don’t know where it ranks.
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How 42266 ranks in Clarksville, TN-KY
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