Last update: Oct 2026

Cost of Living Comparison Between Montreal and Pembroke

For one person, living is cheaper in Montreal: $2,003 a month against $2,355 in Pembroke, rent and utilities included – about $4,200 less a year. The total is higher in Pembroke despite lower rent and utilities.

99

Cost of Living Index in Montreal
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Montreal Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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Montreal

🇨🇦 Canada

$2,003

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal 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 Montreal and in Pembroke actually costs, broken down by who's living it.

A single person spends $2,003 per month in Montreal vs $2,355 in Pembroke, rent included.

Montreal $2,003
Pembroke $2,355

A couple spends around $3,048 per month in Montreal vs $3,881 in Pembroke, rent included.

Montreal $3,048
Pembroke $3,881

A family of three spends $4,092 per month in Montreal vs $5,406 in Pembroke, rent included.

Montreal $4,092
Pembroke $5,406

Montreal is about 15% cheaper than Pembroke, and outside of rent the biggest gap is in groceries.

Both Montreal and Pembroke sit above the global median – Montreal by 49%, Pembroke by 76%.

Meal at Budget Restaurant

$19.31 CA$27.52

$50.6 BMD 50.6

-61.82%

Three-Course Dinner for Two, Mid-Range

$75.5 CA$108

$151 BMD 151

-50.02%

Fast Food Meal (McDonalds, etc)

$10.63 CA$15.15

$16.82 BMD 16.82

-36.80%

Cappuccino

$3.93 CA$5.60

$4.45 BMD 4.45

-11.69%

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

$1.92 CA$2.73

$2.98 BMD 2.98

-35.57%

Water (0.33 liter bottle)

$1.48 CA$2.11

$3.18 BMD 3.18

-53.46%

Local Beer (0.5 liter draught)

$6.30 CA$8.98

$7.66 BMD 7.66

-17.75%

Imported Beer (0.33 liter bottle)

$7.19 CA$10.24

$9.09 BMD 9.09

-20.90%

Milk (1 liter)

$2.22 CA$3.17

$4.82 BMD 4.82

-53.94%

White Bread (500g)

$3.06 CA$4.36

$7.95 BMD 7.95

-61.51%

Rice (white) (1kg)

$2.94 CA$4.19

$5.57 BMD 5.57

-47.22%

Eggs

$3.53 CA$5.03

$7.35 BMD 7.35

-51.97%

Local Cheese (1kg)

$13.19 CA$18.79

$23.15 BMD 23.15

-43.02%

Chicken Fillets (1kg)

$11.24 CA$16.02

$21.62 BMD 21.62

-48.01%

Beef Round Steak (1kg)

$13.81 CA$19.69

$19.72 BMD 19.72

-29.97%

Apples (1kg)

$3.40 CA$4.85

$8.94 BMD 8.94

-61.97%

Banana (1kg)

$1.44 CA$2.06

$6.69 BMD 6.69

-78.48%

Oranges (1kg)

$3.26 CA$4.65

$7.01 BMD 7.01

-53.50%

Tomato (1kg)

$2.88 CA$4.10

$8.56 BMD 8.56

-66.36%

Potato (1kg)

$1.86 CA$2.65

$5.81 BMD 5.81

-67.99%

Onion (1kg)

$1.82 CA$2.60

$4.12 BMD 4.12

-55.83%

Lettuce (1 head)

$2.43 CA$3.46

$6.22 BMD 6.22

-60.93%

Water (1.5 liter bottle)

$1.52 CA$2.17

$3.56 BMD 3.56

-57.30%

Cigarettes 20 Pack (Marlboro, Camel)

$11.45 CA$16.32

$17.84 BMD 17.84

-35.82%

Wine (Bottle)

$10.36 CA$14.76

$24.41 BMD 24.41

-57.56%

Local Beer (0.5 liter bottle)

$2.22 CA$3.16

$5.32 BMD 5.32

-58.27%

Imported Beer (0.33 liter bottle)

$2.82 CA$4.02

$4.27 BMD 4.27

-33.96%

One-way Ticket (Public Transport)

$2.58 CA$3.67

Public Transport Monthly Pass (Regular Price)

$76.9 CA$110

$129 BMD 129

-40.29%

Taxi Start (Normal Tariff)

$3.25 CA$4.64

$6.69 BMD 6.69

-51.42%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.11

$2.43 BMD 2.43

-39.09%

Taxi 1hour Waiting (Normal Tariff)

$33.04 CA$47.09

$69.1 BMD 69.1

-52.19%

Gasoline (1 liter)

$1.36 CA$1.94

$2.42 BMD 2.42

-43.80%

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

$27.4K CA$39.1K

$36.8K BMD 36.8K

-25.46%

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

$20.0K CA$28.5K

$43.5K BMD 43.5K

-54.10%

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

$76.1 CA$109

$286 BMD 286

-73.35%

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

$34.68 CA$49.43

$151 BMD 151

-76.96%

Internet (50+ Mbps, Unlimited Data)

$42.69 CA$60.9

$161 BMD 161

-73.45%

Gym Membership (Monthly)

$28.94 CA$41.26

$80.2 BMD 80.2

-63.92%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.97

Cinema Ticket

$11.21 CA$15.98

$13.32 BMD 13.32

-15.84%

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

$505 CA$720

$1,324 BMD 1,324

-61.86%

International Primary School, 1 Child (Yearly)

$16.0K CA$22.8K

$24.7K BMD 24.7K

-35.11%

Jeans (Levis 501 Or Similar)

$58.5 CA$83.4

$90.5 BMD 90.5

-35.35%

Summer Dress (H&M, Zara, etc)

$38.00 CA$54.2

$71.2 BMD 71.2

-46.60%

Sport Shoes (Adidas, Nike)

$92.7 CA$132

$141 BMD 141

-34.08%

Men's Leather Business Shoes

$106 CA$151

$128 BMD 128

-17.32%

1-bedroom Apartment, City Center (Monthly)

$1,240 CA$1,768

$3,765 BMD 3,765

-67.06%

1-bedroom Apartment, Outside City Center (Monthly)

$986 CA$1,405

3-bedroom Apartment, City Center (Monthly)

$2,102 CA$2,996

3-bedroom Apartment, Outside City Center (Monthly)

$1,615 CA$2,302

Buy Apartment in City Center (m2)

$5,043 CA$7,188

Buy Apartment Outside City Center (m2)

$3,830 CA$5,459

Average Monthly Net Salary (After Tax)

$2,920 CA$4,163

$7,935 BMD 7,935

-63.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.46

8.63

-48.32%

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

Last update for Montreal: October 6, 2026

Last update for Pembroke: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$986 47.9%

Pembroke

- * 0% 100%

Groceries & Markets

Montreal

$344 16.7%

Pembroke

$749 31.4% 118% $406

Eating Out

Montreal

$293 14.2%

Pembroke

$590 24.7% 101% $297

Monthly Utilities & Internet

Montreal

$154 7.5%

Pembroke

$597 25% 289% $443

Clothing & Footwear

Montreal

$133 6.5%

Pembroke

$194 8.1% 45.8% $61

Getting Around

Montreal

$98 4.8%

Pembroke

$148 * 6.2% 50.8% $50

Sport & Entertainment

Montreal

$51 2.5%

Pembroke

$107 4.5% 108% $56

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

Cost Breakdown

A central one-bedroom costs $1,240 in Montreal versus $3,765 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 172% higher in Pembroke, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $75.0 in Montreal versus $151 in Pembroke. Monthly groceries follow the same trend: $344 vs $749 – making Montreal the more affordable choice for daily food spending.

Good to know

🇨🇦 Montreal

🇧🇲 Pembroke

🕒 Local time

07:29 7:29 AM

08:29 8:29 AM

1 h ahead of Montreal

🌤 Weather

👥 Population

1,762,949

11,160

💱 Currency

Canadian Dollar CAD $

Bermudian Dollar BMD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 BMD = 1 USD

1 BMD = 0.892 EUR

Exchange rates and currency converter

BMD, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

Bermudian Dollar exchange rates as of October 10, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.892 EUR).

USD to CAD in detail →

On the map

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Between locations

Montreal Pembroke 1,650 km ≈ 2 h 30 min nonstop flight

From you

Montreal
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

Montreal vs Pembroke: Cost of Living - Frequently Asked Questions

Pembroke costs about 18% more than Montreal, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,005 per month in Montreal and $3,533 in Pembroke. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 118% more in Pembroke, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $75.0 in Montreal and $151 in Pembroke. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Pembroke at $2,355. In Montreal it covers expenses comfortably, while in Pembroke it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,355 in Pembroke. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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