Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Lima

For one person, living is cheaper in Lima: $996 a month against $2,355 in Pembroke, rent and utilities included – about $16,300 less a year. The total is higher in Pembroke despite lower rent and utilities.

115

Cost of Living Index in Pembroke
Learn more

Pembroke Living Index
49

Cost of Living Index in Lima
Learn more

Lima Living Index

Jump to prices

Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Lima

🇵🇪 Peru

$996

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Lima

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

Monthly costs for one person with rent: $2,355 in Pembroke versus $996 in Lima.

Pembroke $2,355
Lima $996

Estimated couple costs with rent: $3,881 in Pembroke versus $1,594 in Lima.

Pembroke $3,881
Lima $1,594

Monthly costs for a family of three with rent: $5,406 in Pembroke versus $2,191 in Lima.

Pembroke $5,406
Lima $2,191

Living in Pembroke is roughly 136% more expensive than in Lima, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pembroke is 76% above, Lima is 26% below.

Meal at Budget Restaurant

$50.6 BMD 50.6

$4.42 PEN 15.16

1044.12%

Three-Course Dinner for Two, Mid-Range

$151 BMD 151

$35.04 PEN 120

331.14%

Fast Food Meal (McDonalds, etc)

$16.82 BMD 16.82

$6.84 PEN 23.44

145.91%

Cappuccino

$4.45 BMD 4.45

$3.27 PEN 11.22

36.09%

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

$2.98 BMD 2.98

$1.10 PEN 3.78

170.91%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$0.65 PEN 2.22

389.23%

Local Beer (0.5 liter draught)

$7.66 BMD 7.66

$2.58 PEN 8.85

196.90%

Imported Beer (0.33 liter bottle)

$9.09 BMD 9.09

$4.47 PEN 15.34

103.36%

Milk (1 liter)

$4.82 BMD 4.82

$1.59 PEN 5.46

203.14%

White Bread (500g)

$7.95 BMD 7.95

$2.58 PEN 8.86

208.14%

Rice (white) (1kg)

$5.57 BMD 5.57

$1.36 PEN 4.65

309.56%

Eggs

$7.35 BMD 7.35

$2.95 PEN 10.11

149.15%

Local Cheese (1kg)

$23.15 BMD 23.15

$9.10 PEN 31.19

154.40%

Chicken Fillets (1kg)

$21.62 BMD 21.62

$5.81 PEN 19.91

272.12%

Beef Round Steak (1kg)

$19.72 BMD 19.72

$9.83 PEN 33.68

100.61%

Apples (1kg)

$8.94 BMD 8.94

$2.01 PEN 6.89

344.78%

Banana (1kg)

$6.69 BMD 6.69

$1.08 PEN 3.69

519.44%

Oranges (1kg)

$7.01 BMD 7.01

$1.37 PEN 4.70

411.68%

Tomato (1kg)

$8.56 BMD 8.56

$1.48 PEN 5.06

478.38%

Potato (1kg)

$5.81 BMD 5.81

$0.96 PEN 3.30

505.21%

Onion (1kg)

$4.12 BMD 4.12

$0.85 PEN 2.92

384.71%

Lettuce (1 head)

$6.22 BMD 6.22

$0.88 PEN 3.02

606.82%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$0.87 PEN 2.97

309.20%

Cigarettes 20 Pack (Marlboro, Camel)

$17.84 BMD 17.84

$5.90 PEN 20.24

202.37%

Wine (Bottle)

$24.41 BMD 24.41

$8.81 PEN 30.21

177.07%

Local Beer (0.5 liter bottle)

$5.32 BMD 5.32

$1.92 PEN 6.57

177.08%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$3.20 PEN 10.98

33.44%

One-way Ticket (Public Transport)

$0.68 PEN 2.33

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

$26.74 PEN 91.7

381.60%

Taxi Start (Normal Tariff)

$6.69 BMD 6.69

$3.81 PEN 13.06

75.59%

Taxi (Normal Tariff) (1km)

$2.43 BMD 2.43

$2.04 PEN 7.00

19.12%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$7.14 PEN 24.49

867.93%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.65 PEN 5.65

46.67%

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

$36.8K BMD 36.8K

$22.2K PEN 76.0K

65.93%

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

$43.5K BMD 43.5K

$25.7K PEN 88.0K

69.55%

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

$286 BMD 286

$73.0 PEN 250

291.07%

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

$151 BMD 151

$16.26 PEN 55.7

825.58%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$27.60 PEN 94.6

482.61%

Gym Membership (Monthly)

$80.2 BMD 80.2

$33.07 PEN 113

142.55%

Tennis Court (1 Hour on Weekend)

$19.49 PEN 66.8

Cinema Ticket

$13.32 BMD 13.32

$7.39 PEN 25.33

80.24%

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

$1,324 BMD 1,324

$182 PEN 624

627.70%

International Primary School, 1 Child (Yearly)

$24.7K BMD 24.7K

$13.3K PEN 45.7K

85.24%

Jeans (Levis 501 Or Similar)

$90.5 BMD 90.5

$52.6 PEN 180

72.17%

Summer Dress (H&M, Zara, etc)

$71.2 BMD 71.2

$34.23 PEN 117

107.89%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$83.8 PEN 287

67.90%

Men's Leather Business Shoes

$128 BMD 128

$79.0 PEN 271

61.91%

1-bedroom Apartment, City Center (Monthly)

$3,765 BMD 3,765

$723 PEN 2,479

420.55%

1-bedroom Apartment, Outside City Center (Monthly)

$340 PEN 1,166

3-bedroom Apartment, City Center (Monthly)

$1,184 PEN 4,060

3-bedroom Apartment, Outside City Center (Monthly)

$635 PEN 2,176

Buy Apartment in City Center (m2)

$2,449 PEN 8,394

Buy Apartment Outside City Center (m2)

$1,372 PEN 4,702

Average Monthly Net Salary (After Tax)

$7,935 BMD 7,935

$653 PEN 2,237

1115.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

8.94

-3.47%

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

Last update for Pembroke: October 5, 2026

Last update for Lima: October 4, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$749 31.4%

Lima

$226 22.4% 69.8% $523

Monthly Utilities & Internet

Pembroke

$597 25%

Lima

$117 11.6% 80.4% $480

Eating Out

Pembroke

$590 24.7%

Lima

$124 12.3% 79% $465

Clothing & Footwear

Pembroke

$194 8.1%

Lima

$112 11.1% 42% $81

Getting Around

Pembroke

$148 * 6.2%

Lima

$43 4.3% 70.5% $104

Sport & Entertainment

Pembroke

$107 4.5%

Lima

$48 4.7% 55.2% $59

Accommodation & Living

Pembroke

- * 0%

Lima

$340 33.6%

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

Cost Breakdown

A one-bedroom apartment in the center runs $3,765 in Pembroke and $723 in Lima. Housing cost is often the main lever when comparing two cities.

Pembroke pays 1116% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $151 in Pembroke vs $35.00 in Lima for a mid-range dinner for two. Groceries echo the gap at $749 vs $226 per month, with Lima cheaper across the board.

Good to know

🇧🇲 Pembroke

🇵🇪 Lima

🕒 Local time

03:17 3:17 AM

01:17 1:17 AM

2 h behind Pembroke

🌤 Weather

👥 Population

11,160

9,989,369 Capital

💱 Currency

Bermudian Dollar BMD $

Peruvian Sol PEN S/

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 PEN = 0.292 USD

1 PEN = 0.26 EUR

Exchange rates and currency converter

PEN, USD, EUR 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).

Peruvian Sol exchange rates as of October 10, 2026: 1 USD = 3.43 PEN (1 PEN = 0.292 USD). 1 EUR = 3.84 PEN (1 PEN = 0.26 EUR).

USD to BMD in detail →

On the map

Lowest

Highest

Between locations

Pembroke Lima 5,100 km ≈ 7 h nonstop flight

From you

Pembroke
Lima

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 Lima: Cost of Living - Frequently Asked Questions

Pembroke and Lima differ by about 136% in total monthly costs ($2,355 vs $996 including rent). Lima is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1116% higher in Pembroke, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $3,765 in Pembroke versus $723 in Lima. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,324 in Pembroke versus $182 in Lima. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 231% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $996 in Lima versus $2,355 in Pembroke, a $2,000 budget is realistic in Lima but tight or insufficient in Pembroke. The gap between the two cities makes Lima the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Pembroke and Lima are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Lima gentler on the wallet – expenses run 136% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.