Cost of Living Comparison Between Hamilton and Pembroke Cost of Living Comparison Between Hamilton and Pembroke

Monthly Cost of Living

A single person spends $4,842 per month in Hamilton vs $2,339 in Pembroke, rent included.

A couple spends around $9,251 per month in Hamilton vs $3,925 in Pembroke, rent included.

A family of three spends $13.7K per month in Hamilton vs $5,512 in Pembroke, rent included.

Hamilton costs about 107% more than Pembroke, driven mainly by Sport & Entertainment.

Both Hamilton and Pembroke sit above the global median – Hamilton by 262%, Pembroke by 75%.

Meal at Budget Restaurant

$59.9 BMD 59.9

$58.8 BMD 58.8

1.73%

Three-Course Dinner for Two, Mid-Range

$177 BMD 177

$150 BMD 150

17.73%

Fast Food Meal (McDonalds, etc)

$15.27 BMD 15.27

$14.90 BMD 14.90

2.48%

Cappuccino

$6.40 BMD 6.40

$4.39 BMD 4.39

45.79%

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

$3.50 BMD 3.50

$3.36 BMD 3.36

4.17%

Water (0.33 liter bottle)

$2.98 BMD 2.98

Local Beer (0.5 liter draught)

$10.17 BMD 10.17

$8.23 BMD 8.23

23.57%

Imported Beer (0.33 liter bottle)

$8.41 BMD 8.41

$8.46 BMD 8.46

-0.59%

Milk (1 liter)

$4.34 BMD 4.34

$4.40 BMD 4.40

-1.36%

White Bread (500g)

$9.00 BMD 9.00

$8.93 BMD 8.93

0.78%

Rice (white) (1kg)

$5.37 BMD 5.37

$5.43 BMD 5.43

-1.10%

Eggs

$7.57 BMD 7.57

$7.64 BMD 7.64

-0.92%

Local Cheese (1kg)

$11.68 BMD 11.68

$11.73 BMD 11.73

-0.43%

Chicken Fillets (1kg)

$24.47 BMD 24.47

$24.12 BMD 24.12

1.45%

Beef Round Steak (1kg)

$31.87 BMD 31.87

$31.79 BMD 31.79

0.25%

Apples (1kg)

$10.38 BMD 10.38

$10.29 BMD 10.29

0.87%

Banana (1kg)

$6.27 BMD 6.27

Oranges (1kg)

$12.59 BMD 12.59

$12.67 BMD 12.67

-0.63%

Tomato (1kg)

$11.30 BMD 11.30

$11.45 BMD 11.45

-1.31%

Potato (1kg)

$8.40 BMD 8.40

$8.23 BMD 8.23

2.07%

Onion (1kg)

$4.98 BMD 4.98

$5.16 BMD 5.16

-3.49%

Lettuce (1 head)

$5.83 BMD 5.83

$6.09 BMD 6.09

-4.27%

Water (1.5 liter bottle)

$3.20 BMD 3.20

$3.15 BMD 3.15

1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$17.49 BMD 17.49

$17.48 BMD 17.48

0.06%

Wine (Bottle)

$24.59 BMD 24.59

$24.78 BMD 24.78

-0.77%

Local Beer (0.5 liter bottle)

$5.26 BMD 5.26

$5.46 BMD 5.46

-3.66%

Imported Beer (0.33 liter bottle)

$4.63 BMD 4.63

$4.46 BMD 4.46

3.81%

One-way Ticket (Public Transport)

$4.80 BMD 4.80

$3.86 BMD 3.86

24.35%

Public Transport Monthly Pass (Regular Price)

$70.1 BMD 70.1

$67.4 BMD 67.4

3.99%

Taxi Start (Normal Tariff)

$6.09 BMD 6.09

$6.27 BMD 6.27

-2.87%

Taxi (Normal Tariff) (1km)

$3.43 BMD 3.43

Taxi 1hour Waiting (Normal Tariff)

$54.2 BMD 54.2

$54.6 BMD 54.6

-0.71%

Gasoline (1 liter)

$2.37 BMD 2.37

$2.29 BMD 2.29

3.49%

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

$34.4K BMD 34.4K

$34.5K BMD 34.5K

-0.42%

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

$39.6K BMD 39.6K

$39.5K BMD 39.5K

0.16%

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

$234 BMD 234

$232 BMD 232

0.97%

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

$121 BMD 121

-0.01%

Internet (50+ Mbps, Unlimited Data)

$154 BMD 154

$155 BMD 155

-0.26%

Gym Membership (Monthly)

$185 BMD 185

$79.2 BMD 79.2

133.52%

Tennis Court (1 Hour on Weekend)

$32.99 BMD 32.99

Cinema Ticket

$13.72 BMD 13.72

$13.76 BMD 13.76

-0.29%

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

$1,339 BMD 1,339

$1,332 BMD 1,332

0.51%

International Primary School, 1 Child (Yearly)

$24.6K BMD 24.6K

$24.0K BMD 24.0K

2.13%

Jeans (Levis 501 Or Similar)

$78.5 BMD 78.5

$80.8 BMD 80.8

-2.96%

Summer Dress (H&M, Zara, etc)

$61.1 BMD 61.1

$60.7 BMD 60.7

0.59%

Sport Shoes (Adidas, Nike)

$135 BMD 135

0.21%

Men's Leather Business Shoes

$130 BMD 130

$128 BMD 128

1.47%

1-bedroom Apartment, City Center (Monthly)

$3,377 BMD 3,377

$3,822 BMD 3,822

-11.64%

1-bedroom Apartment, Outside City Center (Monthly)

$2,260 BMD 2,260

3-bedroom Apartment, City Center (Monthly)

$8,611 BMD 8,611

3-bedroom Apartment, Outside City Center (Monthly)

$7,542 BMD 7,542

Buy Apartment in City Center (m2)

$14.6K BMD 14.6K

$5,763 BMD 5,763

153.52%

Buy Apartment Outside City Center (m2)

$9,325 BMD 9,325

Average Monthly Net Salary (After Tax)

$6,684 BMD 6,684

$8,135 BMD 8,135

-17.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.22

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

Last update for Hamilton: July 12, 2026

Last update for Pembroke: July 13, 2026

Cost Breakdown

A central one-bedroom costs $3,377 in Hamilton versus $3,822 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 22% 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 $177 in Hamilton versus $150 in Pembroke. Groceries tell a different story – $816 in Hamilton vs $817 in Pembroke – so Hamilton wins on supermarket bills even if dining out costs more.

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: $4,842 in Hamilton, $2,339 in Pembroke – roughly 107% apart. Hamilton costs more across the board, with Sport & Entertainment showing the biggest gap.

For a comfortable life, plan on about $7,263 per month in Hamilton and $3,509 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 $177 in Hamilton and $150 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 $4,842 in Hamilton and $2,339 in Pembroke. The difference isn't just one category – it shows up across housing, food, transport, and services.

$2,000 is a stretch for both – monthly costs hit $4,842 in Hamilton and $2,339 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 $2,339 in Pembroke to $4,842 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.