Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,355 in Pembroke, rent and utilities included – about $4,200 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
99

Cost of Living Index in Montreal
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Montreal Living Index

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Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Montreal

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

A single person spends $2,355 per month in Pembroke vs $2,003 in Montreal, rent included.

Pembroke $2,355
Montreal $2,003

A couple spends around $3,881 per month in Pembroke vs $3,048 in Montreal, rent included.

Pembroke $3,881
Montreal $3,048

A family of three spends $5,406 per month in Pembroke vs $4,092 in Montreal, rent included.

Pembroke $5,406
Montreal $4,092

Pembroke costs about 18% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Pembroke and Montreal sit above the global median – Pembroke by 76%, Montreal by 49%.

Meal at Budget Restaurant

$50.6 BMD 50.6

$19.31 CA$27.52

161.89%

Three-Course Dinner for Two, Mid-Range

$151 BMD 151

$75.5 CA$108

100.09%

Fast Food Meal (McDonalds, etc)

$16.82 BMD 16.82

$10.63 CA$15.15

58.23%

Cappuccino

$4.45 BMD 4.45

$3.93 CA$5.60

13.23%

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

$2.98 BMD 2.98

$1.92 CA$2.73

55.21%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$1.48 CA$2.11

114.86%

Local Beer (0.5 liter draught)

$7.66 BMD 7.66

$6.30 CA$8.98

21.59%

Imported Beer (0.33 liter bottle)

$9.09 BMD 9.09

$7.19 CA$10.24

26.43%

Milk (1 liter)

$4.82 BMD 4.82

$2.22 CA$3.17

117.12%

White Bread (500g)

$7.95 BMD 7.95

$3.06 CA$4.36

159.80%

Rice (white) (1kg)

$5.57 BMD 5.57

$2.94 CA$4.19

89.46%

Eggs

$7.35 BMD 7.35

$3.53 CA$5.03

108.22%

Local Cheese (1kg)

$23.15 BMD 23.15

$13.19 CA$18.79

75.51%

Chicken Fillets (1kg)

$21.62 BMD 21.62

$11.24 CA$16.02

92.35%

Beef Round Steak (1kg)

$19.72 BMD 19.72

$13.81 CA$19.69

42.80%

Apples (1kg)

$8.94 BMD 8.94

$3.40 CA$4.85

162.94%

Banana (1kg)

$6.69 BMD 6.69

$1.44 CA$2.06

364.58%

Oranges (1kg)

$7.01 BMD 7.01

$3.26 CA$4.65

115.03%

Tomato (1kg)

$8.56 BMD 8.56

$2.88 CA$4.10

197.22%

Potato (1kg)

$5.81 BMD 5.81

$1.86 CA$2.65

212.37%

Onion (1kg)

$4.12 BMD 4.12

$1.82 CA$2.60

126.37%

Lettuce (1 head)

$6.22 BMD 6.22

$2.43 CA$3.46

155.97%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$1.52 CA$2.17

134.21%

Cigarettes 20 Pack (Marlboro, Camel)

$17.84 BMD 17.84

$11.45 CA$16.32

55.81%

Wine (Bottle)

$24.41 BMD 24.41

$10.36 CA$14.76

135.62%

Local Beer (0.5 liter bottle)

$5.32 BMD 5.32

$2.22 CA$3.16

139.64%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.82 CA$4.02

51.42%

One-way Ticket (Public Transport)

$2.58 CA$3.67

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

$76.9 CA$110

67.49%

Taxi Start (Normal Tariff)

$6.69 BMD 6.69

$3.25 CA$4.64

105.85%

Taxi (Normal Tariff) (1km)

$2.43 BMD 2.43

$1.48 CA$2.11

64.19%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$33.04 CA$47.09

109.17%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.36 CA$1.94

77.94%

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

$36.8K BMD 36.8K

$27.4K CA$39.1K

34.16%

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

$43.5K BMD 43.5K

$20.0K CA$28.5K

117.85%

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

$286 BMD 286

$76.1 CA$109

275.25%

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

$151 BMD 151

$34.68 CA$49.43

333.97%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$42.69 CA$60.9

276.67%

Gym Membership (Monthly)

$80.2 BMD 80.2

$28.94 CA$41.26

177.16%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.97

Cinema Ticket

$13.32 BMD 13.32

$11.21 CA$15.98

18.82%

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

$1,324 BMD 1,324

$505 CA$720

162.20%

International Primary School, 1 Child (Yearly)

$24.7K BMD 24.7K

$16.0K CA$22.8K

54.11%

Jeans (Levis 501 Or Similar)

$90.5 BMD 90.5

$58.5 CA$83.4

54.68%

Summer Dress (H&M, Zara, etc)

$71.2 BMD 71.2

$38.00 CA$54.2

87.26%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$92.7 CA$132

51.70%

Men's Leather Business Shoes

$128 BMD 128

$106 CA$151

20.95%

1-bedroom Apartment, City Center (Monthly)

$3,765 BMD 3,765

$1,240 CA$1,768

203.62%

1-bedroom Apartment, Outside City Center (Monthly)

$986 CA$1,405

3-bedroom Apartment, City Center (Monthly)

$2,102 CA$2,996

3-bedroom Apartment, Outside City Center (Monthly)

$1,615 CA$2,302

Buy Apartment in City Center (m2)

$5,043 CA$7,188

Buy Apartment Outside City Center (m2)

$3,830 CA$5,459

Average Monthly Net Salary (After Tax)

$7,935 BMD 7,935

$2,920 CA$4,163

171.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

4.46

93.50%

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

Last update for Pembroke: October 5, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$749 31.4%

Montreal

$344 16.7% 54.1% $406

Monthly Utilities & Internet

Pembroke

$597 25%

Montreal

$154 7.5% 74.3% $443

Eating Out

Pembroke

$590 24.7%

Montreal

$293 14.2% 50.3% $297

Clothing & Footwear

Pembroke

$194 8.1%

Montreal

$133 6.5% 31.4% $61

Getting Around

Pembroke

$148 * 6.2%

Montreal

$98 4.8% 33.7% $50

Sport & Entertainment

Pembroke

$107 4.5%

Montreal

$51 2.5% 51.9% $56

Accommodation & Living

Pembroke

- * 0%

Montreal

$986 47.9%

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 $1,240 in Montreal. 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 172% 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 $151 in Pembroke versus $75.0 in Montreal. Monthly groceries follow the same trend: $749 vs $344 – making Montreal the more affordable choice for daily food spending.

Good to know

🇧🇲 Pembroke

🇨🇦 Montreal

🕒 Local time

04:07 4:07 AM

03:07 3:07 AM

1 h behind Pembroke

🌤 Weather

👥 Population

11,160

1,762,949

💱 Currency

Bermudian Dollar BMD $

Canadian Dollar CAD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, 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).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

USD to BMD in detail →

On the map

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Highest

Between locations

Pembroke Montreal 1,650 km ≈ 2 h 30 min nonstop flight

From you

Pembroke
Montreal

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 Montreal: Cost of Living - Frequently Asked Questions

Pembroke costs about 18% more than Montreal, 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 $3,005 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 118% 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 mid-range dinner for two costs $151 in Pembroke and $75.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Pembroke at $2,355. In Montreal it covers expenses comfortably, while in Pembroke it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,355 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 Montreal. 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.