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: $2,913 in Cruz Bay versus $317 in St John.

Estimated couple costs with rent: $4,739 in Cruz Bay versus $1,408 in St John.

Monthly costs for a family of three with rent: $6,564 in Cruz Bay versus $2,500 in St John.

Living in Cruz Bay is roughly 819% more expensive than in St John, driven mainly by Groceries & Markets.

The two cities straddle the global median: Cruz Bay is 112% above, St John is 77% below.

Meal at Budget Restaurant

$29.74 $29.74

$20.02 $20.02

48.55%

Three-Course Dinner for Two, Mid-Range

$93.7 $93.7

$177 $177

-47.20%

Fast Food Meal (McDonalds, etc)

$16.85 $16.85

Cappuccino

$8.80 $8.80

$7.16 $7.16

22.91%

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

$2.98 $2.98

$2.95 $2.95

1.02%

Water (0.33 liter bottle)

$3.96 $3.96

$2.02 $2.02

96.04%

Local Beer (0.5 liter draught)

$8.18 $8.18

$7.82 $7.82

4.60%

Imported Beer (0.33 liter bottle)

$8.89 $8.89

$7.94 $7.94

11.96%

Milk (1 liter)

$8.15 $8.15

Eggs

$4.91 $4.91

Chicken Fillets (1kg)

$15.74 $15.74

Apples (1kg)

$9.08 $9.08

Wine (Bottle)

$24.62 $24.62

Gasoline (1 liter)

$1.63 $1.63

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

$346 $346

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

$139 $139

Internet (50+ Mbps, Unlimited Data)

$61.1 $61.1

Gym Membership (Monthly)

$90.9 $90.9

International Primary School, 1 Child (Yearly)

$12.9K $12.9K

$13.5K $13.5K

-4.41%

1-bedroom Apartment, City Center (Monthly)

$1,820 $1,820

1-bedroom Apartment, Outside City Center (Monthly)

$1,476 $1,476

3-bedroom Apartment, City Center (Monthly)

$3,509 $3,509

3-bedroom Apartment, Outside City Center (Monthly)

$3,537 $3,537

$989 $989

257.69%

Buy Apartment in City Center (m2)

$10.6K $10.6K

$13.0K $13.0K

-18.69%

Average Monthly Net Salary (After Tax)

$6,100 $6,100

$4,027 $4,027

51.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.05

-29.08%

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

Last update for Cruz Bay: August 29, 2026

Last update for St John: August 31, 2026

Cost Breakdown

Cruz Bay pays 51% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out at a mid-range restaurant: $94.0 in Cruz Bay vs $177 in St John for two.

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 819% in total monthly costs ($2,913 vs $317 including rent). St John is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 51% 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.

Dining out is cheaper in St John – a meal for two runs $177 versus $94.0 in Cruz Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,913 per month in Cruz Bay versus $317 in St John – a 819% gap that adds up to real savings over time for anyone picking the cheaper option.

At $317 in St John versus $2,913 in Cruz Bay, a $2,000 budget is realistic in St John but tight or insufficient in Cruz Bay. The gap between the two cities makes St John the clear choice for anyone on this budget.

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 St John gentler on the wallet – expenses run 819% less than in Cruz Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.