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

Monthly Cost of Living

Monthly costs for one person with rent: $2,913 in Cruz Bay versus $4,331 in St Thomas.

Estimated couple costs with rent: $4,739 in Cruz Bay versus $7,282 in St Thomas.

Monthly costs for a family of three with rent: $6,564 in Cruz Bay versus $10.2K in St Thomas.

Living in Cruz Bay costs roughly 33% less than in St Thomas, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Cruz Bay 112% above, St Thomas 215% above.

Meal at Budget Restaurant

$29.74 $29.74

$22.14 $22.14

34.33%

Three-Course Dinner for Two, Mid-Range

$93.7 $93.7

$169 $169

-44.64%

Fast Food Meal (McDonalds, etc)

$16.85 $16.85

$13.32 $13.32

26.50%

Cappuccino

$8.80 $8.80

$5.76 $5.76

52.78%

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

$2.98 $2.98

$4.06 $4.06

-26.60%

Water (0.33 liter bottle)

$3.96 $3.96

$3.41 $3.41

16.13%

Local Beer (0.5 liter draught)

$8.18 $8.18

$4.98 $4.98

64.26%

Imported Beer (0.33 liter bottle)

$8.89 $8.89

$7.04 $7.04

26.28%

Milk (1 liter)

$8.15 $8.15

$2.86 $2.86

184.97%

White Bread (500g)

$6.67 $6.67

Rice (white) (1kg)

$19.07 $19.07

Eggs

$4.91 $4.91

$9.05 $9.05

-45.75%

Local Cheese (1kg)

$11.45 $11.45

Chicken Fillets (1kg)

$15.74 $15.74

$29.09 $29.09

-45.89%

Beef Round Steak (1kg)

$40.23 $40.23

Apples (1kg)

$9.08 $9.08

$12.09 $12.09

-24.90%

Banana (1kg)

$11.14 $11.14

Oranges (1kg)

$12.28 $12.28

Tomato (1kg)

$19.90 $19.90

Potato (1kg)

$1.92 $1.92

Onion (1kg)

$8.92 $8.92

Lettuce (1 head)

$7.94 $7.94

Water (1.5 liter bottle)

$5.41 $5.41

Wine (Bottle)

$24.62 $24.62

$25.22 $25.22

-2.38%

Imported Beer (0.33 liter bottle)

$5.86 $5.86

One-way Ticket (Public Transport)

$1.97 $1.97

Public Transport Monthly Pass (Regular Price)

$60.4 $60.4

Taxi Start (Normal Tariff)

$19.90 $19.90

Taxi (Normal Tariff) (1km)

$3.20 $3.20

Gasoline (1 liter)

$1.43 $1.43

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$55.4K $55.4K

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

$49.5K $49.5K

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

$346 $346

$456 $456

-24.03%

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

$139 $139

$98.8 $98.8

40.72%

Internet (50+ Mbps, Unlimited Data)

$61.1 $61.1

$150 $150

-59.14%

Gym Membership (Monthly)

$90.9 $90.9

$162 $162

-43.90%

Cinema Ticket

$9.98 $9.98

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,529 $1,529

International Primary School, 1 Child (Yearly)

$12.9K $12.9K

$22.1K $22.1K

-41.67%

Jeans (Levis 501 Or Similar)

$115 $115

Summer Dress (H&M, Zara, etc)

$148 $148

Sport Shoes (Adidas, Nike)

$204 $204

Men's Leather Business Shoes

$150 $150

1-bedroom Apartment, City Center (Monthly)

$1,820 $1,820

$1,583 $1,583

14.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,476 $1,476

$1,818 $1,818

-18.80%

3-bedroom Apartment, City Center (Monthly)

$3,509 $3,509

$3,294 $3,294

6.51%

3-bedroom Apartment, Outside City Center (Monthly)

$3,537 $3,537

$4,291 $4,291

-17.58%

Buy Apartment in City Center (m2)

$10.6K $10.6K

$4,868 $4,868

117.84%

Buy Apartment Outside City Center (m2)

$10.7K $10.7K

Average Monthly Net Salary (After Tax)

$6,100 $6,100

$2,729 $2,729

123.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

-47.09%

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 Thomas: August 29, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,820 in Cruz Bay and $1,583 in St Thomas. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 124% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $94.0 in Cruz Bay vs $169 in St Thomas for a mid-range dinner for two. Groceries echo the gap at $274 vs $967 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 Thomas: Cost of Living - Frequently Asked Questions

Cruz Bay and St Thomas differ by about 49% in total monthly costs ($2,913 vs $4,331 including rent). Cruz Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 124% 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: $1,820 in Cruz Bay versus $1,583 in St Thomas. 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 $94.0 versus $169 in St Thomas. 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 $4,331 in St Thomas – a 49% 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 Thomas 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 49% less than in St Thomas. Beyond cost, consider language, visa policies, and how big the international community is in each city.