Cost of Living Comparison Between Cruz Bay and Charlotte Amalie Cost of Living Comparison Between Cruz Bay and Charlotte Amalie

Monthly Cost of Living

A single person spends $2,860 per month in Cruz Bay vs $1,932 in Charlotte Amalie, rent included.

A couple spends around $4,537 per month in Cruz Bay vs $2,028 in Charlotte Amalie, rent included.

A family of three spends $6,214 per month in Cruz Bay vs $2,124 in Charlotte Amalie, rent included.

Cruz Bay costs about 48% more than Charlotte Amalie, driven mainly by Sport & Entertainment.

Both Cruz Bay and Charlotte Amalie sit above the global median – Cruz Bay by 113%, Charlotte Amalie by 44%.

Meal at Budget Restaurant

$30.32 $30.32

$25.31 $25.31

19.79%

Three-Course Dinner for Two, Mid-Range

$91.2 $91.2

$101 $101

-9.75%

Fast Food Meal (McDonalds, etc)

$17.31 $17.31

$11.86 $11.86

45.95%

Cappuccino

$9.11 $9.11

$7.85 $7.85

16.05%

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

$2.93 $2.93

$2.24 $2.24

30.80%

Water (0.33 liter bottle)

$3.92 $3.92

$2.21 $2.21

77.38%

Local Beer (0.5 liter draught)

$7.96 $7.96

$6.97 $6.97

14.20%

Imported Beer (0.33 liter bottle)

$9.26 $9.26

$9.21 $9.21

0.54%

Milk (1 liter)

$3.43 $3.43

$2.78 $2.78

23.38%

White Bread (500g)

$9.13 $9.13

Eggs

$5.02 $5.02

$7.12 $7.12

-29.49%

Chicken Fillets (1kg)

$15.60 $15.60

Apples (1kg)

$8.89 $8.89

Wine (Bottle)

$24.64 $24.64

$20.16 $20.16

22.22%

Gasoline (1 liter)

$1.54 $1.54

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

$354 $354

$299 $299

18.39%

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

$142 $142

Internet (50+ Mbps, Unlimited Data)

$60.9 $60.9

$115 $115

-47.02%

Gym Membership (Monthly)

$91.8 $91.8

International Primary School, 1 Child (Yearly)

$12.8K $12.8K

1-bedroom Apartment, City Center (Monthly)

$1,831 $1,831

$1,998 $1,998

-8.36%

1-bedroom Apartment, Outside City Center (Monthly)

$1,470 $1,470

$957 $957

53.56%

3-bedroom Apartment, City Center (Monthly)

$3,541 $3,541

3-bedroom Apartment, Outside City Center (Monthly)

$3,509 $3,509

Buy Apartment in City Center (m2)

$10.6K $10.6K

Average Monthly Net Salary (After Tax)

$6,260 $6,260

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

Last update for Cruz Bay: June 1, 2026

Last update for Charlotte Amalie: June 2, 2026

Cost Breakdown

A central one-bedroom costs $1,831 in Cruz Bay versus $1,998 in Charlotte Amalie. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $91.0 in Cruz Bay versus $101 in Charlotte Amalie. Groceries tell a different story – $226 in Cruz Bay vs $188 in Charlotte Amalie – so Charlotte Amalie wins on supermarket bills even if dining out costs more.

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

Cruz Bay vs Charlotte Amalie: Cost of Living - Frequently Asked Questions

Yes – Cruz Bay is pricier by about 48%, and the gap shows up most in Sport & Entertainment. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $4,290 per month in Cruz Bay and $2,899 in Charlotte Amalie. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Charlotte Amalie, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 20% more in Cruz Bay, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $91.0 in Cruz Bay and $101 in Charlotte Amalie. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,860 in Cruz Bay and $1,932 in Charlotte Amalie. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Charlotte Amalie – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Charlotte Amalie. If higher salaries, better infrastructure, or specific career opportunities are the priority, Cruz Bay makes more sense. Both are solid long-term options with distinct trade-offs.