Total monthly cost of ownership
Cost to Own a Home in Pembroke, Georgia
A $170,000 home here costs
$1,408per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $874. The real number is $534 higher every month — 61% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pembroke against Bryan County and Georgia
| Measure | Pembroke | Bryan County |
|---|---|---|
| Median home value | $169,800 | $317,100 |
| Median property tax | $1,298 | $2,501 |
| Effective tax rate | 0.764% | 0.789% |
| Median gross rent | $990 | $1,584 |
| Population | 2,628 | 46,681 |
The weather behind that power bill
Pembroke sits in Bryan County, which averages a high of 92.3°F in its hottest month and a low of 40.0°F in its coldest, with 48.12" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,596 cooling and 1,675 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Bryan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bryan County
Common questions
How much does it cost to own a home in Pembroke?
A $170,000 home in Pembroke, Georgia costs approximately $1,408 per month with 20% down at 6.66%. That is $874 principal and interest, $108 property tax, $74 homeowners insurance, $210 utilities and $142 set aside for maintenance.
What is the property tax rate in Pembroke?
Pembroke has an effective property tax rate of 0.764%, based on a median home value of $169,800 and median real estate taxes of $1,298. That is lower than the Bryan County average of 0.789%.
What is the average home price in Pembroke?
The median owner-occupied home value in Pembroke, Georgia is $169,800, against $317,100 across Bryan County.
Is it cheaper to rent or buy in Pembroke?
Median gross rent in Pembroke is $990 a month, against $1,408 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pembroke — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Georgia.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.