Last update: Oct 2026

Cost of Living Comparison Between Hamilton and Pembroke

For one person, living is cheaper in Pembroke: $2,374 a month against $5,122 in Hamilton, rent and utilities included – about $33,000 less a year. Rent and utilities account for most of the difference.

248

Cost of Living Index in Hamilton
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Hamilton Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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Hamilton

🇧🇲 Bermuda

$5,122

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamilton and in Pembroke

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

A single person spends $5,122 per month in Hamilton vs $2,374 in Pembroke, rent included.

Hamilton $5,122
Pembroke $2,374

A couple spends around $9,182 per month in Hamilton vs $3,871 in Pembroke, rent included.

Hamilton $9,182
Pembroke $3,871

A family of three spends $13.2K per month in Hamilton vs $5,368 in Pembroke, rent included.

Hamilton $13.2K
Pembroke $5,368

Hamilton costs about 116% more than Pembroke, and outside of rent the biggest gap is in leisure.

Both Hamilton and Pembroke sit above the global median – Hamilton by 278%, Pembroke by 75%.

Meal at Budget Restaurant

$50.5 BMD 50.5

$49.04 BMD 49.04

3.06%

Three-Course Dinner for Two, Mid-Range

$152 BMD 152

-0.01%

Fast Food Meal (McDonalds, etc)

$17.19 BMD 17.19

$16.78 BMD 16.78

2.44%

Cappuccino

$6.27 BMD 6.27

$4.38 BMD 4.38

43.15%

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

$2.96 BMD 2.96

$3.02 BMD 3.02

-1.99%

Water (0.33 liter bottle)

$3.19 BMD 3.19

$3.05 BMD 3.05

4.59%

Local Beer (0.5 liter draught)

$7.47 BMD 7.47

$7.63 BMD 7.63

-2.10%

Imported Beer (0.33 liter bottle)

$9.07 BMD 9.07

$8.86 BMD 8.86

2.37%

Milk (1 liter)

$4.86 BMD 4.86

$4.80 BMD 4.80

1.25%

White Bread (500g)

$7.83 BMD 7.83

$8.14 BMD 8.14

-3.81%

Rice (white) (1kg)

$5.64 BMD 5.64

$5.40 BMD 5.40

4.44%

Eggs

$6.98 BMD 6.98

$7.07 BMD 7.07

-1.27%

Local Cheese (1kg)

$23.71 BMD 23.71

$23.42 BMD 23.42

1.24%

Chicken Fillets (1kg)

$20.96 BMD 20.96

$21.37 BMD 21.37

-1.92%

Beef Round Steak (1kg)

$19.65 BMD 19.65

$19.80 BMD 19.80

-0.76%

Apples (1kg)

$9.25 BMD 9.25

$8.94 BMD 8.94

3.47%

Banana (1kg)

$6.76 BMD 6.76

$6.75 BMD 6.75

0.15%

Oranges (1kg)

$7.26 BMD 7.26

$7.25 BMD 7.25

0.14%

Tomato (1kg)

$8.50 BMD 8.50

$8.46 BMD 8.46

0.47%

Potato (1kg)

$5.56 BMD 5.56

$5.78 BMD 5.78

-3.81%

Onion (1kg)

$4.20 BMD 4.20

$4.05 BMD 4.05

3.70%

Lettuce (1 head)

$6.21 BMD 6.21

$6.34 BMD 6.34

-2.05%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$3.50 BMD 3.50

1.71%

Cigarettes 20 Pack (Marlboro, Camel)

$17.73 BMD 17.73

$17.99 BMD 17.99

-1.45%

Wine (Bottle)

$23.73 BMD 23.73

$24.37 BMD 24.37

-2.63%

Local Beer (0.5 liter bottle)

$5.24 BMD 5.24

$5.17 BMD 5.17

1.35%

Imported Beer (0.33 liter bottle)

$4.09 BMD 4.09

$4.27 BMD 4.27

-4.22%

One-way Ticket (Public Transport)

$4.97 BMD 4.97

Public Transport Monthly Pass (Regular Price)

$68.3 BMD 68.3

$131 BMD 131

-48.00%

Taxi Start (Normal Tariff)

$6.43 BMD 6.43

$6.37 BMD 6.37

0.94%

Taxi (Normal Tariff) (1km)

$3.02 BMD 3.02

$2.54 BMD 2.54

18.90%

Taxi 1hour Waiting (Normal Tariff)

$70.5 BMD 70.5

Gasoline (1 liter)

$2.45 BMD 2.45

$2.42 BMD 2.42

1.24%

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

$38.2K BMD 38.2K

$37.3K BMD 37.3K

2.47%

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

$43.5K BMD 43.5K

$42.9K BMD 42.9K

1.37%

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

$294 BMD 294

$291 BMD 291

1.00%

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

$150 BMD 150

-0.40%

Internet (50+ Mbps, Unlimited Data)

$159 BMD 159

$160 BMD 160

-0.60%

Gym Membership (Monthly)

$187 BMD 187

$78.1 BMD 78.1

138.97%

Tennis Court (1 Hour on Weekend)

$15.21 BMD 15.21

Cinema Ticket

$13.25 BMD 13.25

$13.34 BMD 13.34

-0.67%

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

$1,298 BMD 1,298

$1,303 BMD 1,303

-0.38%

International Primary School, 1 Child (Yearly)

$25.0K BMD 25.0K

$25.5K BMD 25.5K

-1.89%

Jeans (Levis 501 Or Similar)

$89.1 BMD 89.1

$91.5 BMD 91.5

-2.61%

Summer Dress (H&M, Zara, etc)

$70.5 BMD 70.5

$71.1 BMD 71.1

-0.86%

Sport Shoes (Adidas, Nike)

$142 BMD 142

$141 BMD 141

0.12%

Men's Leather Business Shoes

$127 BMD 127

0.11%

1-bedroom Apartment, City Center (Monthly)

$3,934 BMD 3,934

$3,811 BMD 3,811

3.23%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 BMD 2,647

3-bedroom Apartment, City Center (Monthly)

$8,541 BMD 8,541

3-bedroom Apartment, Outside City Center (Monthly)

$7,648 BMD 7,648

Buy Apartment in City Center (m2)

$14.9K BMD 14.9K

Buy Apartment Outside City Center (m2)

$8,868 BMD 8,868

Average Monthly Net Salary (After Tax)

$6,431 BMD 6,431

$8,056 BMD 8,056

-20.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

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

Last update for Hamilton: October 18, 2026

Last update for Pembroke: October 20, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Hamilton

$2.6K 51.7%

Pembroke

- * 0% 100%

Groceries & Markets

Hamilton

$745 14.6%

Pembroke

$748 31.5% 0.4% $3.1

Eating Out

Hamilton

$611 11.9%

Pembroke

$575 24.2% 5.9% $36

Monthly Utilities & Internet

Hamilton

$603 11.8%

Pembroke

$601 25.3% 0.2% $1.3

Sport & Entertainment

Hamilton

$213 4.2%

Pembroke

$105 4.4% 50.8% $108

Clothing & Footwear

Hamilton

$193 3.8%

Pembroke

$194 8.2% 0.6% $1.2

Getting Around

Hamilton

$110 2.1%

Pembroke

$150 * 6.3% 37.1% $41

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $3,934 in Hamilton versus $3,811 in Pembroke. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 25% higher in Pembroke, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $152 in Hamilton versus $152 in Pembroke. Monthly groceries follow the same trend: $745 vs $748 – making Hamilton the more affordable choice for daily food spending.

Good to know

🇧🇲 Hamilton

🇧🇲 Pembroke

🕒 Local time

22:07 10:07 PM

Same time as Hamilton

🌤 Weather

👥 Population

10,000 Capital

11,160

💱 Currency

Bermudian Dollar BMD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Hamilton Pembroke 1 km

From you

Hamilton
Pembroke

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

Hamilton vs Pembroke: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $5,122 in Hamilton, $2,374 in Pembroke – roughly 116% apart. Outside of rent, the biggest gap is in leisure.

For a comfortable life, plan on about $7,683 per month in Hamilton and $3,561 in Pembroke. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Pembroke, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $152 in Hamilton and $152 in Pembroke. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $5,122 in Hamilton and $2,374 in Pembroke. That's a gap of about 116%.

$2,000 is a stretch for both – monthly costs hit $5,122 in Hamilton and $2,374 in Pembroke. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Hamilton has an edge in some lifestyle areas, with costs from $2,374 in Pembroke to $5,122 in Hamilton. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Pembroke. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hamilton makes more sense. Both are solid long-term options with distinct trade-offs.