Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Berlin

For one person, living is cheaper in Pembroke: $2,355 a month against $2,545 in Berlin, rent and utilities included – about $2,300 less a year. Higher rent and utilities in Berlin outweigh lower spending on other living expenses.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
124

Cost of Living Index in Berlin
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Berlin Living Index

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Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Berlin

🇩🇪 Germany

$2,545

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Berlin

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

A single person spends $2,355 per month in Pembroke vs $2,545 in Berlin, rent included.

Pembroke $2,355
Berlin $2,545

A couple spends around $3,881 per month in Pembroke vs $3,901 in Berlin, rent included.

Pembroke $3,881
Berlin $3,901

A family of three spends $5,406 per month in Pembroke vs $5,257 in Berlin, rent included.

Pembroke $5,406
Berlin $5,257

Pembroke is about 7% cheaper than Berlin, and outside of rent the biggest gap is in groceries.

Both Pembroke and Berlin sit above the global median – Pembroke by 76%, Berlin by 90%.

Meal at Budget Restaurant

$50.6 BMD 50.6

$16.81 €15.00

200.83%

Three-Course Dinner for Two, Mid-Range

$151 BMD 151

$79.6 €71.0

89.83%

Fast Food Meal (McDonalds, etc)

$16.82 BMD 16.82

$13.38 €11.94

25.71%

Cappuccino

$4.45 BMD 4.45

$4.27 €3.81

4.22%

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

$2.98 BMD 2.98

$3.40 €3.03

-12.35%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$3.12 €2.79

1.92%

Local Beer (0.5 liter draught)

$7.66 BMD 7.66

$5.48 €4.89

39.78%

Imported Beer (0.33 liter bottle)

$9.09 BMD 9.09

$4.56 €4.07

99.34%

Milk (1 liter)

$4.82 BMD 4.82

$1.27 €1.13

279.53%

White Bread (500g)

$7.95 BMD 7.95

$2.45 €2.19

224.49%

Rice (white) (1kg)

$5.57 BMD 5.57

$3.30 €2.94

68.79%

Eggs

$7.35 BMD 7.35

$4.45 €3.97

65.17%

Local Cheese (1kg)

$23.15 BMD 23.15

$17.10 €15.26

35.38%

Chicken Fillets (1kg)

$21.62 BMD 21.62

$12.19 €10.88

77.36%

Beef Round Steak (1kg)

$19.72 BMD 19.72

$18.30 €16.33

7.76%

Apples (1kg)

$8.94 BMD 8.94

$3.58 €3.19

149.72%

Banana (1kg)

$6.69 BMD 6.69

$1.98 €1.77

237.88%

Oranges (1kg)

$7.01 BMD 7.01

$3.27 €2.92

114.37%

Tomato (1kg)

$8.56 BMD 8.56

$3.81 €3.40

124.67%

Potato (1kg)

$5.81 BMD 5.81

$2.13 €1.90

172.77%

Onion (1kg)

$4.12 BMD 4.12

$2.21 €1.97

86.43%

Lettuce (1 head)

$6.22 BMD 6.22

$1.49 €1.33

317.45%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$1.01 €0.90

252.48%

Cigarettes 20 Pack (Marlboro, Camel)

$17.84 BMD 17.84

$10.49 €9.37

70.07%

Wine (Bottle)

$24.41 BMD 24.41

$6.76 €6.03

261.09%

Local Beer (0.5 liter bottle)

$5.32 BMD 5.32

$1.34 €1.20

297.01%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.10 €1.87

103.33%

One-way Ticket (Public Transport)

$4.37 €3.90

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

$71.0 €63.3

81.48%

Taxi Start (Normal Tariff)

$6.69 BMD 6.69

$5.29 €4.72

26.47%

Taxi (Normal Tariff) (1km)

$2.43 BMD 2.43

$3.05 €2.73

-20.33%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$36.30 €32.39

90.39%

Gasoline (1 liter)

$2.42 BMD 2.42

$2.28 €2.03

6.14%

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

$36.8K BMD 36.8K

$33.2K €29.7K

10.71%

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

$43.5K BMD 43.5K

$39.1K €34.9K

11.44%

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

$286 BMD 286

$379 €339

-24.70%

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

$151 BMD 151

$19.31 €17.23

679.39%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$48.41 €43.20

232.16%

Gym Membership (Monthly)

$80.2 BMD 80.2

$40.31 €35.97

98.98%

Tennis Court (1 Hour on Weekend)

$35.51 €31.69

Cinema Ticket

$13.32 BMD 13.32

$15.53 €13.86

-14.23%

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

$1,324 BMD 1,324

$144 €128

821.54%

International Primary School, 1 Child (Yearly)

$24.7K BMD 24.7K

$15.8K €14.1K

56.65%

Jeans (Levis 501 Or Similar)

$90.5 BMD 90.5

$94.6 €84.5

-4.39%

Summer Dress (H&M, Zara, etc)

$71.2 BMD 71.2

$46.33 €41.34

53.59%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$103 €92.2

36.11%

Men's Leather Business Shoes

$128 BMD 128

$141 €126

-9.47%

1-bedroom Apartment, City Center (Monthly)

$3,765 BMD 3,765

$1,488 €1,328

152.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,098 €980

3-bedroom Apartment, City Center (Monthly)

$2,665 €2,378

3-bedroom Apartment, Outside City Center (Monthly)

$2,080 €1,856

Buy Apartment in City Center (m2)

$8,578 €7,655

Buy Apartment Outside City Center (m2)

$5,438 €4,853

Average Monthly Net Salary (After Tax)

$7,935 BMD 7,935

$3,487 €3,112

127.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

3.8

127.11%

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

Last update for Pembroke: October 5, 2026

Last update for Berlin: October 3, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$749 31.4%

Berlin

$351 13.8% 53.2% $399

Monthly Utilities & Internet

Pembroke

$597 25%

Berlin

$447 17.6% 25.1% $150

Eating Out

Pembroke

$590 24.7%

Berlin

$289 11.4% 51.1% $301

Clothing & Footwear

Pembroke

$194 8.1%

Berlin

$174 6.8% 10.4% $20

Getting Around

Pembroke

$148 * 6.2%

Berlin

$109 4.3% 26.1% $39

Sport & Entertainment

Pembroke

$107 4.5%

Berlin

$71 2.8% 33.2% $35

Accommodation & Living

Pembroke

- * 0%

Berlin

$1.1K 43.3%

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

Cost Breakdown

A central one-bedroom costs $3,765 in Pembroke versus $1,488 in Berlin. 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 128% 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 $151 in Pembroke versus $80.0 in Berlin. Monthly groceries follow the same trend: $749 vs $351 – making Berlin the more affordable choice for daily food spending.

Good to know

🇧🇲 Pembroke

🇩🇪 Berlin

🕒 Local time

05:24 5:24 AM

10:24 10:24 AM

5 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

3,769,962 Capital

💱 Currency

Bermudian Dollar BMD $

Euro EUR €

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

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).

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

USD to BMD in detail →

On the map

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Highest

Between locations

Pembroke Berlin 6,450 km ≈ 9 h nonstop flight

From you

Pembroke
Berlin

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

Pembroke vs Berlin: Cost of Living - Frequently Asked Questions

Berlin costs about 8% 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 $3,533 per month in Pembroke and $3,818 in Berlin. 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.

Monthly expenses with rent come to $2,355 in Pembroke and $2,545 in Berlin. That's a gap of about 8%.

Public transport costs about 81% less in Pembroke. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 is a stretch for both – monthly costs hit $2,355 in Pembroke and $2,545 in Berlin. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Pembroke – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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, Berlin makes more sense. Both are solid long-term options with distinct trade-offs.