Cost Of Living in Pembroke, KY

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12%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

33%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Pembroke	Kentucky	National
Cost of living	88	88	100
Groceries	99	98	100
Health care	98	97	100
Housing	67	70	100
Transportation	96	96	100
Utilities	97	95	100
Lifestyle & Entertainment	97	95	100
Household Items	96	97	100
Education & Childcare	93	94	100

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Homes For Sale In Pembroke, KY

195 Barkers Mill Rd

Pembroke, KY

0 Salubria SPGS

Hopkinsville, KY

0 7081 Salubria Springs Rd

Pembroke, KY

2500 Walter Garrett Ln

Oak Grove, KY

See the Newest Homes For Sale In Pembroke, KY

Cost Of Living Quick Facts

The cost of living in Pembroke is equal to the Kentucky average
The cost of living in Pembroke is 12% lower than the national average
Pembroke housing is 33% lower than the national average
Kentucky general sales tax is 18% higher than the national average
Kentucky state income tax is 73% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$111,930	$9,328	$2,612	$3,358
Renters	$45,060	$3,755	$1,051	$1,352

Kentucky Sales Tax

State	General Sales Tax	With Max Surtax
Kentucky	6%	6%

Kentucky Income Tax

State	Income Tax (Low)	Income Tax (High)
Kentucky	4.5%	4.5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Fairview city, KY	151	82	18.3%
Elkton, KY	2,133	84	15.6%
Guthrie, KY	1,350	86	13.7%
Hopkinsville, KY	31,974	88	11.8%
Oak Grove, KY	7,524	90	10.2%
Pembroke, KY	742	88	12.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Burnside, AZ	742	81	18.6%
Adrian, GA	742	80	19.8%
Morning Sun, IA	742	84	16.4%
Minneola, KS	742	84	16.3%
Chesapeake City, MD	742	111	11.0%
Pembroke, KY	742	88	12.0%