Cost of Living Comparison Between Cruz Bay and St John Cost of Living Comparison Between Cruz Bay and St John

Monthly Cost of Living

Monthly costs for one person with rent: $2,821 in Cruz Bay versus $3,185 in St John.

Estimated couple costs with rent: $4,575 in Cruz Bay versus $4,803 in St John.

Monthly costs for a family of three with rent: $6,330 in Cruz Bay versus $6,421 in St John.

Living in Cruz Bay costs roughly 11% less than in St John, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Cruz Bay 111% above, St John 138% above.

Meal at Budget Restaurant

$30.58 $30.58

$17.69 $17.69

72.87%

Three-Course Dinner for Two, Mid-Range

$91.9 $91.9

$162 $162

-43.31%

Fast Food Meal (McDonalds, etc)

$17.06 $17.06

$8.54 $8.54

99.77%

Cappuccino

$9.25 $9.25

$6.40 $6.40

44.53%

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

$3.09 $3.09

$2.96 $2.96

4.39%

Water (0.33 liter bottle)

$3.95 $3.95

$1.95 $1.95

102.56%

Local Beer (0.5 liter draught)

$8.03 $8.03

$6.44 $6.44

24.69%

Imported Beer (0.33 liter bottle)

$9.05 $9.05

$6.94 $6.94

30.40%

Milk (1 liter)

$3.47 $3.47

$2.78 $2.78

24.82%

White Bread (500g)

$5.90 $5.90

Rice (white) (1kg)

$1.52 $1.52

Eggs

$5.11 $5.11

$6.31 $6.31

-19.02%

Local Cheese (1kg)

$17.47 $17.47

Chicken Fillets (1kg)

$15.30 $15.30

$26.91 $26.91

-43.14%

Apples (1kg)

$8.58 $8.58

Banana (1kg)

$4.91 $4.91

Tomato (1kg)

$8.93 $8.93

Onion (1kg)

$4.43 $4.43

Lettuce (1 head)

$5.05 $5.05

Wine (Bottle)

$24.65 $24.65

Imported Beer (0.33 liter bottle)

$6.04 $6.04

One-way Ticket (Public Transport)

$6.07 $6.07

Public Transport Monthly Pass (Regular Price)

$140 $140

Taxi (Normal Tariff) (1km)

$3.18 $3.18

Gasoline (1 liter)

$1.61 $1.61

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

$23.1K $23.1K

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

$356 $356

$247 $247

43.73%

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

$139 $139

Internet (50+ Mbps, Unlimited Data)

$60.5 $60.5

$60.7 $60.7

-0.30%

Gym Membership (Monthly)

$90.2 $90.2

International Primary School, 1 Child (Yearly)

$13.1K $13.1K

$13.6K $13.6K

-3.98%

Jeans (Levis 501 Or Similar)

$99.6 $99.6

Summer Dress (H&M, Zara, etc)

$59.1 $59.1

Sport Shoes (Adidas, Nike)

$49.19 $49.19

Men's Leather Business Shoes

$49.03 $49.03

1-bedroom Apartment, City Center (Monthly)

$1,823 $1,823

$2,168 $2,168

-15.93%

1-bedroom Apartment, Outside City Center (Monthly)

$1,525 $1,525

$1,769 $1,769

-13.78%

3-bedroom Apartment, City Center (Monthly)

$3,505 $3,505

3-bedroom Apartment, Outside City Center (Monthly)

$3,473 $3,473

$3,027 $3,027

14.74%

Buy Apartment in City Center (m2)

$10.9K $10.9K

$12.8K $12.8K

-14.59%

Average Monthly Net Salary (After Tax)

$6,279 $6,279

$4,011 $4,011

56.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.05

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

Last update for Cruz Bay: July 13, 2026

Last update for St John: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,823 in Cruz Bay and $2,168 in St John. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 57% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $92.0 in Cruz Bay vs $162 in St John for a mid-range dinner for two. Groceries echo the gap at $224 vs $420 per month, with Cruz Bay cheaper across the board.

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 St John: Cost of Living - Frequently Asked Questions

Cruz Bay and St John differ by about 13% in total monthly costs ($2,821 vs $3,185 including rent). Cruz Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 57% higher in Cruz Bay, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,823 in Cruz Bay versus $2,168 in St John. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Cruz Bay – a meal for two runs $92.0 versus $162 in St John. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,821 per month in Cruz Bay versus $3,185 in St John – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Cruz Bay is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cruz Bay and St John 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 Cruz Bay gentler on the wallet – expenses run 13% less than in St John. Beyond cost, consider language, visa policies, and how big the international community is in each city.