Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Chiang Mai

For one person, living is cheaper in Chiang Mai: $925 a month against $2,374 in Pembroke, rent and utilities included – about $17,400 less a year. The total is higher in Pembroke despite lower rent and utilities.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Chiang Mai

🇹🇭 Thailand

$925

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Chiang Mai

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 Chiang Mai actually costs, broken down by who's living it.

A single person spends $2,374 per month in Pembroke vs $925 in Chiang Mai, rent included.

Pembroke $2,374
Chiang Mai $925

A couple spends around $3,871 per month in Pembroke vs $1,414 in Chiang Mai, rent included.

Pembroke $3,871
Chiang Mai $1,414

A family of three spends $5,368 per month in Pembroke vs $1,903 in Chiang Mai, rent included.

Pembroke $5,368
Chiang Mai $1,903

Pembroke costs about 157% more than Chiang Mai, and outside of rent the biggest gap is in groceries.

Pembroke sits 75% above the global median, while Chiang Mai is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$49.04 BMD 49.04

$2.29 ฿76.5

2041.48%

Three-Course Dinner for Two, Mid-Range

$152 BMD 152

$19.64 ฿656

674.29%

Fast Food Meal (McDonalds, etc)

$16.78 BMD 16.78

$5.61 ฿188

199.11%

Cappuccino

$4.38 BMD 4.38

$1.66 ฿55.6

163.86%

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

$3.02 BMD 3.02

$0.70 ฿23.40

331.43%

Water (0.33 liter bottle)

$3.05 BMD 3.05

$0.31 ฿10.24

883.87%

Local Beer (0.5 liter draught)

$7.63 BMD 7.63

$2.41 ฿80.4

216.60%

Imported Beer (0.33 liter bottle)

$8.86 BMD 8.86

$3.71 ฿124

138.81%

Milk (1 liter)

$4.80 BMD 4.80

$1.95 ฿65.3

146.15%

White Bread (500g)

$8.14 BMD 8.14

$1.41 ฿47.03

477.30%

Rice (white) (1kg)

$5.40 BMD 5.40

$1.31 ฿43.62

312.21%

Eggs

$7.07 BMD 7.07

$2.18 ฿72.9

224.31%

Local Cheese (1kg)

$23.42 BMD 23.42

$16.65 ฿556

40.66%

Chicken Fillets (1kg)

$21.37 BMD 21.37

$2.76 ฿92.2

674.28%

Beef Round Steak (1kg)

$19.80 BMD 19.80

$9.11 ฿304

117.34%

Apples (1kg)

$8.94 BMD 8.94

$2.39 ฿80.0

274.06%

Banana (1kg)

$6.75 BMD 6.75

$1.03 ฿34.26

555.34%

Oranges (1kg)

$7.25 BMD 7.25

$1.63 ฿54.4

344.79%

Tomato (1kg)

$8.46 BMD 8.46

$1.50 ฿50.0

464.00%

Potato (1kg)

$5.78 BMD 5.78

$1.29 ฿43.13

348.06%

Onion (1kg)

$4.05 BMD 4.05

$1.11 ฿37.03

264.86%

Lettuce (1 head)

$6.34 BMD 6.34

$0.72 ฿24.08

780.56%

Water (1.5 liter bottle)

$3.50 BMD 3.50

$0.53 ฿17.59

560.38%

Cigarettes 20 Pack (Marlboro, Camel)

$17.99 BMD 17.99

$4.31 ฿144

317.40%

Wine (Bottle)

$24.37 BMD 24.37

$17.95 ฿600

35.77%

Local Beer (0.5 liter bottle)

$5.17 BMD 5.17

$1.58 ฿52.9

227.22%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.84 ฿95.0

50.35%

One-way Ticket (Public Transport)

$0.86 ฿28.86

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$53.3 ฿1,780

146.45%

Taxi Start (Normal Tariff)

$6.37 BMD 6.37

$1.21 ฿40.29

426.45%

Taxi (Normal Tariff) (1km)

$2.54 BMD 2.54

$0.57 ฿18.99

345.61%

Taxi 1hour Waiting (Normal Tariff)

$70.5 BMD 70.5

$2.35 ฿78.6

2897.87%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.44 ฿47.96

68.06%

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

$37.3K BMD 37.3K

$20.7K ฿692.8K

79.95%

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

$42.9K BMD 42.9K

$26.8K ฿895.7K

59.95%

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

$291 BMD 291

$62.3 ฿2,083

366.32%

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

$150 BMD 150

$12.11 ฿405

1142.28%

Internet (50+ Mbps, Unlimited Data)

$160 BMD 160

$19.94 ฿666

703.61%

Gym Membership (Monthly)

$78.1 BMD 78.1

$37.07 ฿1,239

110.74%

Tennis Court (1 Hour on Weekend)

$3.78 ฿126

Cinema Ticket

$13.34 BMD 13.34

$6.50 ฿217

105.23%

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

$1,303 BMD 1,303

$793 ฿26.5K

64.34%

International Primary School, 1 Child (Yearly)

$25.5K BMD 25.5K

$14.8K ฿494.9K

72.20%

Jeans (Levis 501 Or Similar)

$91.5 BMD 91.5

$53.7 ฿1,796

70.25%

Summer Dress (H&M, Zara, etc)

$71.1 BMD 71.1

$24.62 ฿823

188.71%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$90.9 ฿3,036

55.61%

Men's Leather Business Shoes

$127 BMD 127

$71.1 ฿2,378

78.48%

1-bedroom Apartment, City Center (Monthly)

$3,811 BMD 3,811

$455 ฿15.2K

736.77%

1-bedroom Apartment, Outside City Center (Monthly)

$298 ฿9,954

3-bedroom Apartment, City Center (Monthly)

$908 ฿30.4K

3-bedroom Apartment, Outside City Center (Monthly)

$554 ฿18.5K

Buy Apartment in City Center (m2)

$1,931 ฿64.5K

Buy Apartment Outside City Center (m2)

$1,445 ฿48.3K

Average Monthly Net Salary (After Tax)

$8,056 BMD 8,056

$591 ฿19.7K

1263.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

5.57

54.94%

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

Last update for Pembroke: October 20, 2026

Last update for Chiang Mai: October 17, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 31.5%

Chiang Mai

$235 25.5% 68.5% $513

Monthly Utilities & Internet

Pembroke

$601 25.3%

Chiang Mai

$94 10.2% 84.3% $507

Eating Out

Pembroke

$575 24.2%

Chiang Mai

$79 8.5% 86.3% $497

Clothing & Footwear

Pembroke

$194 8.2%

Chiang Mai

$108 11.7% 44.2% $86

Getting Around

Pembroke

$150 * 6.3%

Chiang Mai

$61 6.6% 59.6% $90

Sport & Entertainment

Pembroke

$105 4.4%

Chiang Mai

$50 5.4% 52.2% $55

Accommodation & Living

Pembroke

- * 0%

Chiang Mai

$298 32.2%

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

Cost Breakdown

A central one-bedroom costs $3,811 in Pembroke versus $455 in Chiang Mai. 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 1263% 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 $152 in Pembroke versus $20.00 in Chiang Mai. Monthly groceries follow the same trend: $748 vs $235 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇧🇲 Pembroke

🇹🇭 Chiang Mai

🕒 Local time

21:07 9:07 PM

07:07 7:07 AM

10 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

127,240

💱 Currency

Bermudian Dollar BMD $

Thai Baht THB ฿

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

100 THB = 2.99 USD

100 THB = 2.66 EUR

Exchange rates and currency converter

THB, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of October 25, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

Thai Baht exchange rates as of October 25, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.57 THB (100 THB = 2.66 EUR).

USD to BMD in detail →

On the map

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Between locations

Pembroke Chiang Mai 14,080 km ≈ 18 h nonstop flight

From you

Pembroke
Chiang Mai

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 Chiang Mai: Cost of Living - Frequently Asked Questions

Pembroke costs about 157% more than Chiang Mai, 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 $3,561 per month in Pembroke and $1,388 in Chiang Mai. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $1,303 per month in Pembroke and $793 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 218% 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 $1,000 monthly budget goes further in Chiang Mai, where all-in costs run around $925, than in Pembroke at $2,374. In Chiang Mai it covers expenses comfortably, while in Pembroke it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $925 versus $2,374 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 Chiang Mai. 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.