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: $2,860 in Cruz Bay versus $3,167 in St John.

Estimated couple costs with rent: $4,537 in Cruz Bay versus $4,754 in St John.

Monthly costs for a family of three with rent: $6,214 in Cruz Bay versus $6,340 in St John.

Living in Cruz Bay costs roughly 10% less than in St John, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Cruz Bay 113% above, St John 136% above.

Meal at Budget Restaurant

$30.32 $30.32

$17.84 $17.84

69.96%

Three-Course Dinner for Two, Mid-Range

$91.2 $91.2

$165 $165

-44.92%

Fast Food Meal (McDonalds, etc)

$17.31 $17.31

$8.27 $8.27

109.31%

Cappuccino

$9.11 $9.11

$6.45 $6.45

41.24%

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

$2.93 $2.93

$3.01 $3.01

-2.66%

Water (0.33 liter bottle)

$3.92 $3.92

$2.06 $2.06

90.29%

Local Beer (0.5 liter draught)

$7.96 $7.96

$6.42 $6.42

23.99%

Imported Beer (0.33 liter bottle)

$9.26 $9.26

$6.82 $6.82

35.78%

Milk (1 liter)

$3.43 $3.43

$2.87 $2.87

19.51%

White Bread (500g)

$5.60 $5.60

Rice (white) (1kg)

$1.45 $1.45

Eggs

$5.02 $5.02

$6.49 $6.49

-22.65%

Local Cheese (1kg)

$17.38 $17.38

Chicken Fillets (1kg)

$15.60 $15.60

$26.86 $26.86

-41.92%

Apples (1kg)

$8.89 $8.89

Banana (1kg)

$5.10 $5.10

Tomato (1kg)

$8.57 $8.57

Onion (1kg)

$4.30 $4.30

Lettuce (1 head)

$4.94 $4.94

Wine (Bottle)

$24.64 $24.64

Imported Beer (0.33 liter bottle)

$5.86 $5.86

One-way Ticket (Public Transport)

$5.84 $5.84

Public Transport Monthly Pass (Regular Price)

$139 $139

Taxi (Normal Tariff) (1km)

$3.02 $3.02

Gasoline (1 liter)

$1.62 $1.62

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

$22.4K $22.4K

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

$354 $354

$244 $244

45.14%

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

$142 $142

Internet (50+ Mbps, Unlimited Data)

$60.9 $60.9

$59.0 $59.0

3.12%

Gym Membership (Monthly)

$91.8 $91.8

International Primary School, 1 Child (Yearly)

$12.8K $12.8K

$13.7K $13.7K

-6.31%

Jeans (Levis 501 Or Similar)

$98.0 $98.0

Summer Dress (H&M, Zara, etc)

$60.4 $60.4

Sport Shoes (Adidas, Nike)

$49.14 $49.14

Men's Leather Business Shoes

$50.6 $50.6

1-bedroom Apartment, City Center (Monthly)

$1,831 $1,831

$2,219 $2,219

-17.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,470 $1,470

$1,831 $1,831

-19.73%

3-bedroom Apartment, City Center (Monthly)

$3,541 $3,541

3-bedroom Apartment, Outside City Center (Monthly)

$3,509 $3,509

$2,951 $2,951

18.91%

Buy Apartment in City Center (m2)

$10.6K $10.6K

$13.2K $13.2K

-19.46%

Average Monthly Net Salary (After Tax)

$6,260 $6,260

$4,059 $4,059

54.23%

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: June 1, 2026

Last update for St John: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,831 in Cruz Bay and $2,219 in St John. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 54% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $91.0 in Cruz Bay vs $165 in St John for a mid-range dinner for two. Groceries echo the gap at $226 vs $416 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 11% in total monthly costs ($2,860 vs $3,167 including rent). Cruz Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Cruz Bay pays 54% more on average, 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: $1,831 in Cruz Bay versus $2,219 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 $91.0 versus $165 in St John. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,860 per month in Cruz Bay versus $3,167 in St John – a 11% 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 11% less than in St John. Beyond cost, consider language, visa policies, and how big the international community is in each city.