Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Hamilton

For one person, living is cheaper in Pembroke: $2,374 a month against $5,122 in Hamilton, rent and utilities included – about $33,000 less a year. Rent and utilities account for most of the difference.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
248

Cost of Living Index in Hamilton
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Hamilton Living Index

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Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Hamilton

🇧🇲 Bermuda

$5,122

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Hamilton

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

A single person spends $2,374 per month in Pembroke vs $5,122 in Hamilton, rent included.

Pembroke $2,374
Hamilton $5,122

A couple spends around $3,871 per month in Pembroke vs $9,182 in Hamilton, rent included.

Pembroke $3,871
Hamilton $9,182

A family of three spends $5,368 per month in Pembroke vs $13.2K in Hamilton, rent included.

Pembroke $5,368
Hamilton $13.2K

Pembroke is about 54% cheaper than Hamilton, and outside of rent the biggest gap is in leisure.

Both Pembroke and Hamilton sit above the global median – Pembroke by 75%, Hamilton by 278%.

Meal at Budget Restaurant

$49.04 BMD 49.04

$50.5 BMD 50.5

-2.97%

Three-Course Dinner for Two, Mid-Range

$152 BMD 152

0.01%

Fast Food Meal (McDonalds, etc)

$16.78 BMD 16.78

$17.19 BMD 17.19

-2.39%

Cappuccino

$4.38 BMD 4.38

$6.27 BMD 6.27

-30.14%

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

$3.02 BMD 3.02

$2.96 BMD 2.96

2.03%

Water (0.33 liter bottle)

$3.05 BMD 3.05

$3.19 BMD 3.19

-4.39%

Local Beer (0.5 liter draught)

$7.63 BMD 7.63

$7.47 BMD 7.47

2.14%

Imported Beer (0.33 liter bottle)

$8.86 BMD 8.86

$9.07 BMD 9.07

-2.32%

Milk (1 liter)

$4.80 BMD 4.80

$4.86 BMD 4.86

-1.23%

White Bread (500g)

$8.14 BMD 8.14

$7.83 BMD 7.83

3.96%

Rice (white) (1kg)

$5.40 BMD 5.40

$5.64 BMD 5.64

-4.26%

Eggs

$7.07 BMD 7.07

$6.98 BMD 6.98

1.29%

Local Cheese (1kg)

$23.42 BMD 23.42

$23.71 BMD 23.71

-1.22%

Chicken Fillets (1kg)

$21.37 BMD 21.37

$20.96 BMD 20.96

1.96%

Beef Round Steak (1kg)

$19.80 BMD 19.80

$19.65 BMD 19.65

0.76%

Apples (1kg)

$8.94 BMD 8.94

$9.25 BMD 9.25

-3.35%

Banana (1kg)

$6.75 BMD 6.75

$6.76 BMD 6.76

-0.15%

Oranges (1kg)

$7.25 BMD 7.25

$7.26 BMD 7.26

-0.14%

Tomato (1kg)

$8.46 BMD 8.46

$8.50 BMD 8.50

-0.47%

Potato (1kg)

$5.78 BMD 5.78

$5.56 BMD 5.56

3.96%

Onion (1kg)

$4.05 BMD 4.05

$4.20 BMD 4.20

-3.57%

Lettuce (1 head)

$6.34 BMD 6.34

$6.21 BMD 6.21

2.09%

Water (1.5 liter bottle)

$3.50 BMD 3.50

$3.56 BMD 3.56

-1.69%

Cigarettes 20 Pack (Marlboro, Camel)

$17.99 BMD 17.99

$17.73 BMD 17.73

1.47%

Wine (Bottle)

$24.37 BMD 24.37

$23.73 BMD 23.73

2.70%

Local Beer (0.5 liter bottle)

$5.17 BMD 5.17

$5.24 BMD 5.24

-1.34%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$4.09 BMD 4.09

4.40%

One-way Ticket (Public Transport)

$4.97 BMD 4.97

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$68.3 BMD 68.3

92.31%

Taxi Start (Normal Tariff)

$6.37 BMD 6.37

$6.43 BMD 6.43

-0.93%

Taxi (Normal Tariff) (1km)

$2.54 BMD 2.54

$3.02 BMD 3.02

-15.89%

Taxi 1hour Waiting (Normal Tariff)

$70.5 BMD 70.5

Gasoline (1 liter)

$2.42 BMD 2.42

$2.45 BMD 2.45

-1.22%

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

$37.3K BMD 37.3K

$38.2K BMD 38.2K

-2.41%

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

$42.9K BMD 42.9K

$43.5K BMD 43.5K

-1.35%

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

$291 BMD 291

$294 BMD 294

-0.99%

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

$150 BMD 150

0.40%

Internet (50+ Mbps, Unlimited Data)

$160 BMD 160

$159 BMD 159

0.60%

Gym Membership (Monthly)

$78.1 BMD 78.1

$187 BMD 187

-58.15%

Tennis Court (1 Hour on Weekend)

$15.21 BMD 15.21

Cinema Ticket

$13.34 BMD 13.34

$13.25 BMD 13.25

0.68%

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

$1,303 BMD 1,303

$1,298 BMD 1,298

0.38%

International Primary School, 1 Child (Yearly)

$25.5K BMD 25.5K

$25.0K BMD 25.0K

1.93%

Jeans (Levis 501 Or Similar)

$91.5 BMD 91.5

$89.1 BMD 89.1

2.68%

Summer Dress (H&M, Zara, etc)

$71.1 BMD 71.1

$70.5 BMD 70.5

0.87%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$142 BMD 142

-0.12%

Men's Leather Business Shoes

$127 BMD 127

-0.11%

1-bedroom Apartment, City Center (Monthly)

$3,811 BMD 3,811

$3,934 BMD 3,934

-3.13%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 BMD 2,647

3-bedroom Apartment, City Center (Monthly)

$8,541 BMD 8,541

3-bedroom Apartment, Outside City Center (Monthly)

$7,648 BMD 7,648

Buy Apartment in City Center (m2)

$14.9K BMD 14.9K

Buy Apartment Outside City Center (m2)

$8,868 BMD 8,868

Average Monthly Net Salary (After Tax)

$8,056 BMD 8,056

$6,431 BMD 6,431

25.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

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

Last update for Pembroke: October 20, 2026

Last update for Hamilton: October 18, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 31.5%

Hamilton

$745 14.6% 0.4% $3.1

Monthly Utilities & Internet

Pembroke

$601 25.3%

Hamilton

$603 11.8% 0.2% $1.3

Eating Out

Pembroke

$575 24.2%

Hamilton

$611 11.9% 6.2% $36

Clothing & Footwear

Pembroke

$194 8.2%

Hamilton

$193 3.8% 0.6% $1.2

Getting Around

Pembroke

$150 * 6.3%

Hamilton

$110 2.1% 27.1% $41

Sport & Entertainment

Pembroke

$105 4.4%

Hamilton

$213 4.2% 103% $108

Accommodation & Living

Pembroke

- * 0%

Hamilton

$2.6K 51.7%

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 $3,934 in Hamilton. 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 25% 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 $152 in Pembroke versus $152 in Hamilton. Groceries tell a different story – $748 in Pembroke vs $745 in Hamilton – so Hamilton wins on supermarket bills even if dining out costs more.

Good to know

🇧🇲 Pembroke

🇧🇲 Hamilton

🕒 Local time

15:54 3:54 PM

Same time as Pembroke

🌤 Weather

👥 Population

11,160

10,000 Capital

💱 Currency

Bermudian Dollar BMD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

On the map

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Pembroke Hamilton 1 km

From you

Pembroke
Hamilton

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 Hamilton: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,374 in Pembroke, $5,122 in Hamilton – roughly 116% apart. Outside of rent, the biggest gap is in leisure.

For a comfortable life, plan on about $3,561 per month in Pembroke and $7,683 in Hamilton. 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 $152 in Pembroke and $152 in Hamilton. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,374 in Pembroke and $5,122 in Hamilton. That's a gap of about 116%.

$2,000 is a stretch for both – monthly costs hit $2,374 in Pembroke and $5,122 in Hamilton. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Pembroke has an edge in some lifestyle areas, with costs from $2,374 in Pembroke to $5,122 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.