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Pembroke, Kentucky eviction risk overview
City brief · 732 residents

Pembroke, KY Eviction Risk: LOW

Christian County · Population 732

In 2026
Risk score
3.4
LOW

74th percentile, Kentucky.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.1 Average3.1 Now3.4
10 5 1976 · score 2.8 1977 · score 2.8 1978 · score 2.8 1979 · score 2.9 1980 · score 2.7 1981 · score 2.7 1982 · score 2.8 1983 · score 2.7 1984 · score 2.1 1985 · score 2.1 1986 · score 2.1 1987 · score 2.1 1988 · score 2.5 1989 · score 2.5 1990 · score 2.6 1991 · score 2.6 1992 · score 3.1 1993 · score 3.1 1994 · score 3.1 1995 · score 3.2 1996 · score 3.1 1997 · score 3.2 1998 · score 3.2 1999 · score 3.3 2000 · score 2.6 2001 · score 2.8 2002 · score 2.8 2003 · score 2.8 2004 · score 2.6 2005 · score 2.7 2006 · score 2.7 2007 · score 2.8 2008 · score 3.2 2009 · score 3.3 2010 · score 3.3 2011 · score 3.4 2012 · score 3.2 2013 · score 3.2 2014 · score 3.3 2015 · score 3.4 2016 · score 3.3 2017 · score 3.4 2018 · score 3.5 2019 · score 3.6 2020 · score 4.1 2021 · score 4.2 2022 · score 4.2 2023 · score 4.2 2024 · score 4.0 2025 · score 4.9 2026 · score 3.4

Key metrics

Time machine

Scrub 50 years

2026
● LIVE · today ◀ REPLAY · historical

Nine-axis profile

9-axis profile · today

Shape of the risk surface

1 landlord · 10 tenant
Local 4.2 Regional 4.2 State 2.1 Economic 5.4 Supply 6.1 Rent Control 3.5 Eviction 1.7 Tenant 7.1 Housing 4.5 3.4 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +33.6% (2024)
    4.2
  2. Regional political climate
    County-weighted neighbor mix
    4.2
  3. State political climate
    Kentucky legislature & governorship
    2.1
  4. Economic stress
    11.2% poverty · 3.4% unemp.
    5.4
  5. Supply constraint
    $813 average · 28.4% renters
    6.1
  6. Rent Control risk
    27.0% of income on rent
    3.5
  7. Eviction process difficulty
    31 days filing → judgment
    1.7
  8. Tenant organizing strength
    28.4% renters
    7.1
  9. Housing court bias
    County bench composition
    4.5
Geographic context

Risk heat across Pembroke and the region

Click any city to see its score

How Pembroke compares

Risk score vs. peers, county, state, and the U.S.
Rank in Christian County
Moderate
#4 of 6 cities
Rank in county, 40th percentileBottomTop
#4 of 6 cities in Christian County for landlord eviction risk.
Rank in Kentucky
Elevated
#159 of 553 cities
Rank in state, 71st percentileBottomTop
#159 of 553 cities in Kentucky for landlord eviction risk.
vs. county · state · U.S.
Pembroke risk score vs. county / state / U.S.Pembroke: 3.43.4PembrokeThis cityCounty: 2.82.8Countyavg in countyState: 3.63.6Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 3.4
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 3.4/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+0.6 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 31d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $813/mo. A contested eviction takes 31 days and costs $1,222-$2,824 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 28.4%
    Renters
    The renters

    Who you'll be renting to.

    Out of 732 residents, 28.4% rent. 27% are spending 30%+ income on rent, 11.2% below the poverty line.

    50-yr trendRenter share rising
    197620012026

    ACS 1970-present · once the migration overlay is in.

  4. 4.2
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 4.2 and 4.2 (GOP margin +33.6% (2024)). State climate at 2.1, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 2.1
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 2.1/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 1.7, housing court bias 4.5, rent-control risk 3.5. Standard process speed for the state.

    50-yr trendProcess difficulty +-3.3 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 5.4
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 5.4. Supply constraint: 6.1. The numbers behind those: 11.2% poverty, 3.4% unemployment, 27% of income on rent.

    50-yr trendTwo visible dips · '08 + COVID
    197620012026

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Pembroke sits in the quick & cheap quadrant

Bubble size = population · color = risk score
QUICK BUT COSTLY fast docket · high all-in loss SLOW & EXPENSIVE long calendar · high all-in loss QUICK & CHEAP fast docket · low all-in loss SLOW BUT CHEAP long calendar · low all-in loss 30d 50d 75d 100d 150d 200d 300d 450d $2.0k $3.0k $5.0k $7.5k $10k $15k $20k $30k EVICTION TIMELINE (DAYS) → ↑ ALL-IN COST (LOG SCALE) Louisville/Jefferson County metro government, KY · 34d · ~$2.1k all-in ($62/day) · score 4.1 Louisville/Jefferson County metro government Lexington-Fayette urban county, KY · 32d · ~$2.1k all-in ($66/day) · score 3.7 Lexington-Fayette urban county Louisville, KY · 32d · ~$2.1k all-in ($64/day) · score 4.4 Louisville Bowling Green, KY · 31d · ~$2.0k all-in ($63/day) · score 2.3 Bowling Green Owensboro, KY · 35d · ~$2.2k all-in ($62/day) · score 2.1 Owensboro Nashville-Davidson metropolitan government, TN · 37d · ~$2.1k all-in ($57/day) · score 4.5 Nashville-Davidson metropolitan government Huntsville, AL · 29d · ~$2.0k all-in ($68/day) · score 2.6 Huntsville Clarksville, TN · 35d · ~$2.1k all-in ($59/day) · score 2.3 Clarksville Murfreesboro, TN · 35d · ~$2.2k all-in ($63/day) · score 2 Murfreesboro Evansville, IN · 37d · ~$2.5k all-in ($67/day) · score 2.8 Evansville Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.7 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.9 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.6 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 5.5 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 6.8 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.3 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 6.2 Seattle Pembroke
Pembroke · 31d · ~$2.0k all-in ($65/day) · score 3.4 National average: 58d · $4.6k all-in Hover any bubble for stats · click to open Color: 0-4   4-7   7-10
00Overview

About eviction risk in Pembroke, KY

Landlording in Pembroke, Kentucky, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 3.4/10 (LOW tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Pembroke is a city of 732 residents where 28.4% of occupied units are renter-occupied, and the typical renter spends 27.0% of income on rent. At an average rent of $813/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.

01Process

How Pembroke eviction process actually works

Eviction process difficulty here reads 1.7/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Pembroke closes 31 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.

The slow part of Pembroke's timeline is usually the calendar, not the motion practice. Housing court bias scores 4.5/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.

02Cost

What it costs (and how long it takes)

An all-in eviction in Pembroke runs $1,222 to $2,824 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.

For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1-2 months' rent is typically the economically rational choice. With 31 days of typical timeline and $813/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 7.1/10 in Pembroke, and the city has limited rent control exposure (3.5/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
  • Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
  • Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Kentucky, deposit cap and refund window are statute, so exceed them at your own risk.
  • Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy

What an everyday landlord should actually do here

If you own one to four units in Pembroke: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a LOW tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.

The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Kentucky's statutory language. Fix those four, and most cases settle or default. Skip them, and a $2,824 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Pembroke

Trap · 3.5/10
The 4.9/10 score weighs nine sub-factors including political climate, court bias, supply constraint, and tenant organizing strength. Pembroke's rent-control-risk sub-score is 3.5/10, driven by state preemption and market dynamics.
05FAQ

Frequently asked questions

Q1

What if my tenant claims a maintenance issue for not paying rent?

In Kentucky, tenants generally cannot withhold rent for maintenance issues unless they have followed specific legal procedures, which usually involve giving you written notice of the problem and a reasonable time to fix it, and sometimes even placing rent into an escrow account. If they haven't done that, their non-payment is still grounds for eviction. Address maintenance issues promptly regardless, but don't let it derail your eviction process for non-payment.

Q2

Can I evict a tenant for having unauthorized pets?

Yes, if your lease prohibits pets or specifies certain types of pets, and the tenant violates that clause, it's a lease violation. You'd typically serve a notice to cure or quit, giving them a chance to remove the pet or face eviction. The specific notice period depends on your lease and Kentucky law, but often it's a 14-day notice for a material non-compliance.

Q3

How often do tenants appeal eviction judgments in Pembroke?

Appeals are less common for everyday landlords in smaller towns like Pembroke compared to major metropolitan areas with strong tenant advocacy. However, they do happen. An appeal will delay the process significantly and usually requires further legal action from your attorney. It's another reason why "cash for keys" can be a smart move: it eliminates the risk of an appeal.

Q4

Is there rent control in Pembroke, KY?

No, Kentucky has no statewide rent control laws, and Pembroke does not have local rent control ordinances. This means you are generally free to set market rates for rent and increase rent as long as you provide proper notice according to your lease and state law (typically 30 days for month-to-month leases). For more details, see our Kentucky rent control rules.

Q5

What if the tenant abandons the property?

If a tenant abandons the property (e.g., moves out, removes belongings, stops paying rent, and doesn't respond to communication), you generally have procedures to follow before re-taking possession. You'll typically need to send a notice of abandonment and wait a specified period (often 10-14 days) before you can legally re-enter and re-rent the unit. Document everything, including photos of the empty unit, to protect yourself. Consult an attorney if you're unsure.

Q6

Are there any new tenant protections I should be aware of in Kentucky?

Kentucky's Uniform Residential Landlord and Tenant Act (URLTA) is fairly stable, but laws can change. Always stay updated. Currently, there are no statewide "just-cause" eviction requirements or source-of-income protections that would complicate your eviction process beyond what's outlined here. For general updates, keep an eye on our Kentucky tenant protections page.

06Score

What this score means for landlords2

A 3.4/10 places Pembroke in the 74th percentile of Kentucky cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has climbed steadily since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.