Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Pembroke

For one person, living is cheaper in Pembroke: $2,355 a month against $5,142 in New York, NY, rent and utilities included – about $33,400 less a year. Higher rent and utilities in New York, NY outweigh lower spending on other living expenses.

245

Cost of Living Index in New York, NY
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New York, NY Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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New York, NY

🇺🇸 United States

$5,142

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Monthly Cost of Living

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

A single person spends $5,142 per month in New York, NY vs $2,355 in Pembroke, rent included.

New York, NY $5,142
Pembroke $2,355

A couple spends around $7,455 per month in New York, NY vs $3,881 in Pembroke, rent included.

New York, NY $7,455
Pembroke $3,881

A family of three spends $9,767 per month in New York, NY vs $5,406 in Pembroke, rent included.

New York, NY $9,767
Pembroke $5,406

New York, NY costs about 118% more than Pembroke, and outside of rent the biggest gap is in groceries.

Both New York, NY and Pembroke sit above the global median – New York, NY by 284%, Pembroke by 76%.

Meal at Budget Restaurant

$26.46 $26.46

$50.6 BMD 50.6

-47.68%

Three-Course Dinner for Two, Mid-Range

$119 $119

$151 BMD 151

-21.41%

Fast Food Meal (McDonalds, etc)

$14.43 $14.43

$16.82 BMD 16.82

-14.21%

Cappuccino

$6.55 $6.55

$4.45 BMD 4.45

47.19%

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

$3.84 $3.84

$2.98 BMD 2.98

28.86%

Water (0.33 liter bottle)

$3.00 $3.00

$3.18 BMD 3.18

-5.66%

Local Beer (0.5 liter draught)

$8.27 $8.27

$7.66 BMD 7.66

7.96%

Imported Beer (0.33 liter bottle)

$10.05 $10.05

$9.09 BMD 9.09

10.56%

Milk (1 liter)

$1.31 $1.31

$4.82 BMD 4.82

-72.82%

White Bread (500g)

$4.90 $4.90

$7.95 BMD 7.95

-38.36%

Rice (white) (1kg)

$7.16 $7.16

$5.57 BMD 5.57

28.55%

Eggs

$5.92 $5.92

$7.35 BMD 7.35

-19.46%

Local Cheese (1kg)

$19.06 $19.06

$23.15 BMD 23.15

-17.67%

Chicken Fillets (1kg)

$17.38 $17.38

$21.62 BMD 21.62

-19.61%

Beef Round Steak (1kg)

$18.94 $18.94

$19.72 BMD 19.72

-3.96%

Apples (1kg)

$6.96 $6.96

$8.94 BMD 8.94

-22.15%

Banana (1kg)

$2.08 $2.08

$6.69 BMD 6.69

-68.91%

Oranges (1kg)

$6.10 $6.10

$7.01 BMD 7.01

-12.98%

Tomato (1kg)

$6.95 $6.95

$8.56 BMD 8.56

-18.81%

Potato (1kg)

$3.98 $3.98

$5.81 BMD 5.81

-31.50%

Onion (1kg)

$4.44 $4.44

$4.12 BMD 4.12

7.77%

Lettuce (1 head)

$2.81 $2.81

$6.22 BMD 6.22

-54.82%

Water (1.5 liter bottle)

$2.51 $2.51

$3.56 BMD 3.56

-29.49%

Cigarettes 20 Pack (Marlboro, Camel)

$19.27 $19.27

$17.84 BMD 17.84

8.02%

Wine (Bottle)

$19.67 $19.67

$24.41 BMD 24.41

-19.42%

Local Beer (0.5 liter bottle)

$3.08 $3.08

$5.32 BMD 5.32

-42.11%

Imported Beer (0.33 liter bottle)

$3.68 $3.68

$4.27 BMD 4.27

-13.82%

One-way Ticket (Public Transport)

$3.02 $3.02

Public Transport Monthly Pass (Regular Price)

$140 $140

$129 BMD 129

8.34%

Taxi Start (Normal Tariff)

$3.07 $3.07

$6.69 BMD 6.69

-54.11%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$2.43 BMD 2.43

-12.35%

Taxi 1hour Waiting (Normal Tariff)

$41.21 $41.21

$69.1 BMD 69.1

-40.37%

Gasoline (1 liter)

$1.11 $1.11

$2.42 BMD 2.42

-54.13%

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

$35.0K $35.0K

$36.8K BMD 36.8K

-4.90%

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

$25.4K $25.4K

$43.5K BMD 43.5K

-41.64%

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

$217 $217

$286 BMD 286

-23.86%

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

$74.0 $74.0

$151 BMD 151

-50.82%

Internet (50+ Mbps, Unlimited Data)

$72.5 $72.5

$161 BMD 161

-54.93%

Gym Membership (Monthly)

$120 $120

$80.2 BMD 80.2

50.17%

Tennis Court (1 Hour on Weekend)

$66.9 $66.9

Cinema Ticket

$22.32 $22.32

$13.32 BMD 13.32

67.57%

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

$3,425 $3,425

$1,324 BMD 1,324

158.60%

International Primary School, 1 Child (Yearly)

$61.2K $61.2K

$24.7K BMD 24.7K

147.90%

Jeans (Levis 501 Or Similar)

$76.3 $76.3

$90.5 BMD 90.5

-15.68%

Summer Dress (H&M, Zara, etc)

$55.5 $55.5

$71.2 BMD 71.2

-22.08%

Sport Shoes (Adidas, Nike)

$119 $119

$141 BMD 141

-15.22%

Men's Leather Business Shoes

$131 $131

$128 BMD 128

2.06%

1-bedroom Apartment, City Center (Monthly)

$4,506 $4,506

$3,765 BMD 3,765

19.69%

1-bedroom Apartment, Outside City Center (Monthly)

$3,155 $3,155

3-bedroom Apartment, City Center (Monthly)

$8,817 $8,817

3-bedroom Apartment, Outside City Center (Monthly)

$5,532 $5,532

Buy Apartment in City Center (m2)

$19.4K $19.4K

Buy Apartment Outside City Center (m2)

$6,754 $6,754

Average Monthly Net Salary (After Tax)

$5,290 $5,290

$7,935 BMD 7,935

-33.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

8.63

-20.97%

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

Last update for New York, NY: October 3, 2026

Last update for Pembroke: October 5, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.2K 63.2%

Pembroke

- * 0% 100%

Groceries & Markets

New York, NY

$546 11%

Pembroke

$749 31.4% 37.2% $203

Eating Out

New York, NY

$422 8.5%

Pembroke

$590 24.7% 39.6% $167

Monthly Utilities & Internet

New York, NY

$364 7.3%

Pembroke

$597 25% 64% $233

Clothing & Footwear

New York, NY

$172 3.4%

Pembroke

$194 8.1% 12.8% $22

Getting Around

New York, NY

$165 3.3%

Pembroke

$148 * 6.2% 10.7% $18

Sport & Entertainment

New York, NY

$165 3.3%

Pembroke

$107 4.5% 35.3% $58

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

Cost Breakdown

A central one-bedroom costs $4,506 in New York, NY 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 50% 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 $119 in New York, NY versus $151 in Pembroke. Monthly groceries follow the same trend: $546 vs $749 – making New York, NY the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇧🇲 Pembroke

🕒 Local time

09:42 9:42 AM

10:42 10:42 AM

1 h ahead of New York, NY

🌤 Weather

👥 Population

8,804,190

11,160

💱 Currency

United States Dollar USD $

Bermudian Dollar BMD $

📈 Exchange rate

1 USD = 0.892 EUR

1 BMD = 1 USD

1 BMD = 0.892 EUR

Exchange rates and currency converter

BMD, EUR to USD – United States Dollar Converter

🇧🇲 Bermudian Dollar ($)

🇺🇸 United States Dollar ($)

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

BMD to USD in detail →

On the map

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Between locations

New York, NY Pembroke 1,250 km ≈ 2 h nonstop flight

From you

New York, NY
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

New York, NY vs Pembroke: Cost of Living - Frequently Asked Questions

New York, NY costs about 118% more than Pembroke, 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 $7,714 per month in New York, NY 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 Pembroke, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $3,425 per month in New York, NY and $1,324 in Pembroke. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 37% cheaper in New York, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $5,142 in New York, NY and $2,355 in Pembroke. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Pembroke costs $2,355 versus $5,142 in New York, NY. 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 Pembroke. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.