Last update: Oct 2026

Cost of Living Comparison Between Cruz Bay and Frederiksted

For one person, living is cheaper in Frederiksted: $347 a month against $2,911 in Cruz Bay, rent and utilities included – about $30,800 less a year. Rent and utilities account for most of the difference.

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Cruz Bay

🇻🇮 U.S. Virgin Islands

$2,911

/mo nomad

Frederiksted

🇻🇮 U.S. Virgin Islands

$347

/mo nomad

Monthly Cost of Living

How much you'll spend in Cruz Bay and in Frederiksted

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

Monthly costs for one person with rent: $2,911 in Cruz Bay versus $347 in Frederiksted.

Cruz Bay $2,911
Frederiksted $347

Estimated couple costs with rent: $4,707 in Cruz Bay versus $739 in Frederiksted.

Cruz Bay $4,707
Frederiksted $739

Monthly costs for a family of three with rent: $6,503 in Cruz Bay versus $1,132 in Frederiksted.

Cruz Bay $6,503
Frederiksted $1,132

Living in Cruz Bay is roughly 740% more expensive than in Frederiksted, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cruz Bay is 114% above, Frederiksted is 75% below.

Meal at Budget Restaurant

$30.27 $30.27

$29.53 $29.53

2.51%

Three-Course Dinner for Two, Mid-Range

$94.2 $94.2

$78.7 $78.7

19.72%

Fast Food Meal (McDonalds, etc)

$16.90 $16.90

Cappuccino

$9.04 $9.04

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

$2.99 $2.99

Water (0.33 liter bottle)

$4.09 $4.09

Local Beer (0.5 liter draught)

$8.11 $8.11

$6.89 $6.89

17.71%

Imported Beer (0.33 liter bottle)

$9.26 $9.26

$8.03 $8.03

15.32%

Milk (1 liter)

$8.08 $8.08

Eggs

$4.87 $4.87

Chicken Fillets (1kg)

$15.71 $15.71

Apples (1kg)

$9.01 $9.01

Wine (Bottle)

$24.63 $24.63

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

$354 $354

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

$138 $138

Internet (50+ Mbps, Unlimited Data)

$59.0 $59.0

Gym Membership (Monthly)

$90.2 $90.2

$59.9 $59.9

50.74%

International Primary School, 1 Child (Yearly)

$13.0K $13.0K

1-bedroom Apartment, City Center (Monthly)

$1,778 $1,778

$1,332 $1,332

33.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,509 $1,509

3-bedroom Apartment, City Center (Monthly)

$3,525 $3,525

3-bedroom Apartment, Outside City Center (Monthly)

$3,533 $3,533

Buy Apartment in City Center (m2)

$10.9K $10.9K

Average Monthly Net Salary (After Tax)

$6,147 $6,147

20-Year Fixed Mortgage Interest Rate (Annual %)

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

Last update for Cruz Bay: October 26, 2026

Last update for Frederiksted: October 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,778 in Cruz Bay and $1,332 in Frederiksted. Housing cost is often the main lever when comparing two cities.

Dining out at a mid-range restaurant: $94 in Cruz Bay vs $79 in Frederiksted for two.

Good to know

🇻🇮 Cruz Bay

🇻🇮 Frederiksted

🕒 Local time

17:51 5:51 PM

Same time as Cruz Bay

🌤 Weather

👥 Population

2,743

528

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Cruz Bay Frederiksted 69 km

From you

Cruz Bay
Frederiksted

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

Cruz Bay vs Frederiksted: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,911 in Cruz Bay and $347 in Frederiksted, so Frederiksted is about 88% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $4,367 in Cruz Bay and $520 in Frederiksted to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,778 in Cruz Bay versus $1,332 in Frederiksted. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Frederiksted – a meal for two runs $79 versus $94 in Cruz Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,911 per month in Cruz Bay versus $347 in Frederiksted – Frederiksted is about 88% cheaper, which adds up to real savings over time.

At $347 in Frederiksted versus $2,911 in Cruz Bay, a $1,000 budget is realistic in Frederiksted but tight or insufficient in Cruz Bay. The gap between the two cities makes Frederiksted the clear choice for anyone on this budget.

Safety-wise, Cruz Bay and Frederiksted are both considered safe, so it’s unlikely to be the deciding factor between them.