Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Pembroke

For one person, living is cheaper in Pembroke: $2,355 a month against $2,704 in Austin, TX, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Austin, TX outweigh lower spending on other living expenses.

129

Cost of Living Index in Austin, TX
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Austin, TX Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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Austin, TX

🇺🇸 United States

$2,704

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Pembroke

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Pembroke actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,704 in Austin, TX versus $2,355 in Pembroke.

Austin, TX $2,704
Pembroke $2,355

Estimated couple costs with rent: $4,133 in Austin, TX versus $3,881 in Pembroke.

Austin, TX $4,133
Pembroke $3,881

Monthly costs for a family of three with rent: $5,562 in Austin, TX versus $5,406 in Pembroke.

Austin, TX $5,562
Pembroke $5,406

Living in Austin, TX is roughly 15% more expensive than in Pembroke, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 102% above, Pembroke 76% above.

Meal at Budget Restaurant

$20.22 $20.22

$50.6 BMD 50.6

-60.02%

Three-Course Dinner for Two, Mid-Range

$85.0 $85.0

$151 BMD 151

-43.71%

Fast Food Meal (McDonalds, etc)

$12.35 $12.35

$16.82 BMD 16.82

-26.58%

Cappuccino

$5.47 $5.47

$4.45 BMD 4.45

22.92%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.82 $3.82

$2.98 BMD 2.98

28.19%

Water (0.33 liter bottle)

$2.50 $2.50

$3.18 BMD 3.18

-21.38%

Local Beer (0.5 liter draught)

$8.06 $8.06

$7.66 BMD 7.66

5.22%

Imported Beer (0.33 liter bottle)

$8.99 $8.99

$9.09 BMD 9.09

-1.10%

Milk (1 liter)

$1.13 $1.13

$4.82 BMD 4.82

-76.56%

White Bread (500g)

$3.78 $3.78

$7.95 BMD 7.95

-52.45%

Rice (white) (1kg)

$3.25 $3.25

$5.57 BMD 5.57

-41.65%

Eggs

$4.14 $4.14

$7.35 BMD 7.35

-43.67%

Local Cheese (1kg)

$13.08 $13.08

$23.15 BMD 23.15

-43.50%

Chicken Fillets (1kg)

$14.31 $14.31

$21.62 BMD 21.62

-33.81%

Beef Round Steak (1kg)

$15.96 $15.96

$19.72 BMD 19.72

-19.07%

Apples (1kg)

$4.38 $4.38

$8.94 BMD 8.94

-51.01%

Banana (1kg)

$1.45 $1.45

$6.69 BMD 6.69

-78.33%

Oranges (1kg)

$4.54 $4.54

$7.01 BMD 7.01

-35.24%

Tomato (1kg)

$4.19 $4.19

$8.56 BMD 8.56

-51.05%

Potato (1kg)

$2.63 $2.63

$5.81 BMD 5.81

-54.73%

Onion (1kg)

$2.36 $2.36

$4.12 BMD 4.12

-42.72%

Lettuce (1 head)

$1.76 $1.76

$6.22 BMD 6.22

-71.70%

Water (1.5 liter bottle)

$2.16 $2.16

$3.56 BMD 3.56

-39.33%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$17.84 BMD 17.84

-45.01%

Wine (Bottle)

$14.72 $14.72

$24.41 BMD 24.41

-39.70%

Local Beer (0.5 liter bottle)

$2.78 $2.78

$5.32 BMD 5.32

-47.74%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$4.27 BMD 4.27

-18.50%

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$40.51 $40.51

$129 BMD 129

-68.54%

Taxi Start (Normal Tariff)

$2.67 $2.67

$6.69 BMD 6.69

-60.09%

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$2.43 BMD 2.43

-34.98%

Taxi 1hour Waiting (Normal Tariff)

$35.29 $35.29

$69.1 BMD 69.1

-48.94%

Gasoline (1 liter)

$0.99 $0.99

$2.42 BMD 2.42

-59.09%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.8K $35.8K

$36.8K BMD 36.8K

-2.70%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$27.2K $27.2K

$43.5K BMD 43.5K

-37.55%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$219 $219

$286 BMD 286

-23.24%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.0 $58.0

$151 BMD 151

-61.47%

Internet (50+ Mbps, Unlimited Data)

$68.4 $68.4

$161 BMD 161

-57.49%

Gym Membership (Monthly)

$57.9 $57.9

$80.2 BMD 80.2

-27.81%

Tennis Court (1 Hour on Weekend)

$14.82 $14.82

Cinema Ticket

$14.13 $14.13

$13.32 BMD 13.32

6.08%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,509 $1,509

$1,324 BMD 1,324

13.95%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$24.7K BMD 24.7K

-13.04%

Jeans (Levis 501 Or Similar)

$51.7 $51.7

$90.5 BMD 90.5

-42.91%

Summer Dress (H&M, Zara, etc)

$44.05 $44.05

$71.2 BMD 71.2

-38.10%

Sport Shoes (Adidas, Nike)

$85.1 $85.1

$141 BMD 141

-39.49%

Men's Leather Business Shoes

$105 $105

$128 BMD 128

-17.69%

1-bedroom Apartment, City Center (Monthly)

$1,932 $1,932

$3,765 BMD 3,765

-48.68%

1-bedroom Apartment, Outside City Center (Monthly)

$1,272 $1,272

3-bedroom Apartment, City Center (Monthly)

$3,670 $3,670

3-bedroom Apartment, Outside City Center (Monthly)

$2,525 $2,525

Buy Apartment in City Center (m2)

$7,617 $7,617

Buy Apartment Outside City Center (m2)

$3,199 $3,199

Average Monthly Net Salary (After Tax)

$5,105 $5,105

$7,935 BMD 7,935

-35.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

8.63

-21.32%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 5, 2026

Last update for Pembroke: October 5, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 48.2%

Pembroke

- * 0% 100%

Groceries & Markets

Austin, TX

$403 15.3%

Pembroke

$749 31.4% 85.9% $346

Eating Out

Austin, TX

$348 13.2%

Pembroke

$590 24.7% 69.4% $242

Monthly Utilities & Internet

Austin, TX

$346 13.1%

Pembroke

$597 25% 72.7% $251

Clothing & Footwear

Austin, TX

$129 4.9%

Pembroke

$194 8.1% 50.4% $65

Sport & Entertainment

Austin, TX

$86 3.3%

Pembroke

$107 4.5% 24% $21

Getting Around

Austin, TX

$57 2.2%

Pembroke

$148 * 6.2% 159% $91

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,932 in Austin, TX and $3,765 in Pembroke. Housing cost is often the main lever when comparing two cities.

Pembroke pays 55% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $85.0 in Austin, TX vs $151 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $403 vs $749 per month, with Austin, TX cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇧🇲 Pembroke

🕒 Local time

06:25 6:25 AM

08:25 8:25 AM

2 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

11,160

💱 Currency

United States Dollar USD $

Bermudian Dollar BMD $

📈 Exchange rate

1 USD = 0.892 EUR

1 BMD = 1 USD

1 BMD = 0.892 EUR

Exchange rates and currency converter

BMD, EUR to USD – United States Dollar Converter

🇧🇲 Bermudian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Bermudian Dollar exchange rates as of October 10, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.892 EUR).

BMD to USD in detail →

On the map

Lowest

Highest

Between locations

Austin, TX Pembroke 3,130 km ≈ 4 h 30 min nonstop flight

From you

Austin, TX
Pembroke

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Pembroke: Cost of Living - Frequently Asked Questions

Austin, TX and Pembroke differ by about 15% in total monthly costs ($2,704 vs $2,355 including rent). Pembroke is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 55% lower in Pembroke. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,932 in Austin, TX versus $3,765 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,704 per month in Austin, TX versus $2,355 in Pembroke – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Pembroke runs roughly 218% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Pembroke is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Pembroke delivers better value – similar infrastructure at $2,355 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pembroke hard to pass up.

Safety-wise, Austin, TX and Pembroke are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Pembroke gentler on the wallet – expenses run 15% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.