Home Values in Pembroke, MA
The average home price in Pembroke, MA is approximately $620,000 (median), with homes trading at $387/sqft. Home values in Pembroke have appreciated at roughly 3% per year, reflecting steady demand and limited inventory typical of Greater Boston suburbs.
Census estimated median home value: $485K (ACS 2022 5-year). Current market prices typically run higher due to post-2022 appreciation.
✨The Vibe
Inland South Shore town with family-friendly suburban character and conservation land. More affordable than coastal towns with quiet residential neighborhoods on large lots.
What It's Really Like
Pembroke offers what suburbs used to be—big lots, quiet streets, affordable prices, and families who actually know their neighbors.
Best For
- ✓Families wanting space and value
- ✓Those seeking large lots and privacy
- ✓Buyers avoiding coastal premiums
- ✓Nature lovers wanting conservation access
Avoid If
- ✗You need top schools or coastal access
- ✗You want quick Boston commute
- ✗You prefer walkable neighborhoods
🌟Highlights
Insider Tips
- 💡Larger lots mean more space per dollar
- 💡Conservation areas keep development limited
- 💡Route 3 makes commute manageable
Demographics
Source: Census ACS 2023 5-year estimates
Economic Profile
Religious Community
Housing Stock Age
Moderate Insurance Risk
Median home built in 1972. Insurance premiums estimated at $2,200/year. Some older homes may require system updates (electrical, plumbing, HVAC).
Insurance Cost Calculator
Estimate your annual homeowners insurance premium
Leave blank to use town median (1972)
30-Year Mortgage Impact
Total insurance cost over 30-year mortgage (equivalent to 0.3% of home value)
Age Penalty
This home costs $539 more per year to insure than a newly built home. Over 30 years, that's $16,170 in additional insurance costs.
Ways to Lower Your Premium
- Bundle home + auto insurance with same carrier (10-25% discount)
- Increase deductible from $500 to $2,500 (save 15-30%)
- Install monitored security system (5-20% discount)
- Update electrical panel and remove knob-and-tube wiring
- Replace roof with impact-resistant materials (save 5-15%)
- Upgrade plumbing to PEX or copper
- Complete full home inspection and address major issues
- Consider MAPFRE or Chubb for historic home coverage
* Estimates based on Massachusetts state averages and typical underwriting criteria. Actual premiums vary by carrier, coverage limits, deductible, claims history, and credit score. For accurate quotes, contact a licensed insurance agent.
Construction Era Distribution
Resources & Research
School Information
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Market Analysis
Break-even math, SALT cap impacts & decision framework for Boston buyers