Last update: Oct 2026

Cost of Living Comparison Between Pembroke and New York, NY

For one person, living is cheaper in Pembroke: $2,355 a month against $5,142 in New York, NY, rent and utilities included – about $33,400 less a year. Higher rent and utilities in New York, NY outweigh lower spending on other living expenses.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
245

Cost of Living Index in New York, NY
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New York, NY Living Index

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Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

New York, NY

🇺🇸 United States

$5,142

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in New York, NY

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 New York, NY actually costs, broken down by who's living it.

A single person spends $2,355 per month in Pembroke vs $5,142 in New York, NY, rent included.

Pembroke $2,355
New York, NY $5,142

A couple spends around $3,881 per month in Pembroke vs $7,455 in New York, NY, rent included.

Pembroke $3,881
New York, NY $7,455

A family of three spends $5,406 per month in Pembroke vs $9,767 in New York, NY, rent included.

Pembroke $5,406
New York, NY $9,767

Pembroke is about 54% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Pembroke and New York, NY sit above the global median – Pembroke by 76%, New York, NY by 284%.

Meal at Budget Restaurant

$50.6 BMD 50.6

$26.46 $26.46

91.12%

Three-Course Dinner for Two, Mid-Range

$151 BMD 151

$119 $119

27.24%

Fast Food Meal (McDonalds, etc)

$16.82 BMD 16.82

$14.43 $14.43

16.56%

Cappuccino

$4.45 BMD 4.45

$6.55 $6.55

-32.06%

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

$2.98 BMD 2.98

$3.84 $3.84

-22.40%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$3.00 $3.00

6.00%

Local Beer (0.5 liter draught)

$7.66 BMD 7.66

$8.27 $8.27

-7.38%

Imported Beer (0.33 liter bottle)

$9.09 BMD 9.09

$10.05 $10.05

-9.55%

Milk (1 liter)

$4.82 BMD 4.82

$1.31 $1.31

267.94%

White Bread (500g)

$7.95 BMD 7.95

$4.90 $4.90

62.24%

Rice (white) (1kg)

$5.57 BMD 5.57

$7.16 $7.16

-22.21%

Eggs

$7.35 BMD 7.35

$5.92 $5.92

24.16%

Local Cheese (1kg)

$23.15 BMD 23.15

$19.06 $19.06

21.46%

Chicken Fillets (1kg)

$21.62 BMD 21.62

$17.38 $17.38

24.40%

Beef Round Steak (1kg)

$19.72 BMD 19.72

$18.94 $18.94

4.12%

Apples (1kg)

$8.94 BMD 8.94

$6.96 $6.96

28.45%

Banana (1kg)

$6.69 BMD 6.69

$2.08 $2.08

221.63%

Oranges (1kg)

$7.01 BMD 7.01

$6.10 $6.10

14.92%

Tomato (1kg)

$8.56 BMD 8.56

$6.95 $6.95

23.17%

Potato (1kg)

$5.81 BMD 5.81

$3.98 $3.98

45.98%

Onion (1kg)

$4.12 BMD 4.12

$4.44 $4.44

-7.21%

Lettuce (1 head)

$6.22 BMD 6.22

$2.81 $2.81

121.35%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$2.51 $2.51

41.83%

Cigarettes 20 Pack (Marlboro, Camel)

$17.84 BMD 17.84

$19.27 $19.27

-7.42%

Wine (Bottle)

$24.41 BMD 24.41

$19.67 $19.67

24.10%

Local Beer (0.5 liter bottle)

$5.32 BMD 5.32

$3.08 $3.08

72.73%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$3.68 $3.68

16.03%

One-way Ticket (Public Transport)

$3.02 $3.02

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

$140 $140

-7.70%

Taxi Start (Normal Tariff)

$6.69 BMD 6.69

$3.07 $3.07

117.92%

Taxi (Normal Tariff) (1km)

$2.43 BMD 2.43

$2.13 $2.13

14.08%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$41.21 $41.21

67.70%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.11 $1.11

118.02%

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

$36.8K BMD 36.8K

$35.0K $35.0K

5.15%

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

$43.5K BMD 43.5K

$25.4K $25.4K

71.35%

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

$286 BMD 286

$217 $217

31.33%

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

$151 BMD 151

$74.0 $74.0

103.32%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$72.5 $72.5

121.85%

Gym Membership (Monthly)

$80.2 BMD 80.2

$120 $120

-33.41%

Tennis Court (1 Hour on Weekend)

$66.9 $66.9

Cinema Ticket

$13.32 BMD 13.32

$22.32 $22.32

-40.32%

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

$1,324 BMD 1,324

$3,425 $3,425

-61.33%

International Primary School, 1 Child (Yearly)

$24.7K BMD 24.7K

$61.2K $61.2K

-59.66%

Jeans (Levis 501 Or Similar)

$90.5 BMD 90.5

$76.3 $76.3

18.60%

Summer Dress (H&M, Zara, etc)

$71.2 BMD 71.2

$55.5 $55.5

28.33%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$119 $119

17.95%

Men's Leather Business Shoes

$128 BMD 128

$131 $131

-2.02%

1-bedroom Apartment, City Center (Monthly)

$3,765 BMD 3,765

$4,506 $4,506

-16.45%

1-bedroom Apartment, Outside City Center (Monthly)

$3,155 $3,155

3-bedroom Apartment, City Center (Monthly)

$8,817 $8,817

3-bedroom Apartment, Outside City Center (Monthly)

$5,532 $5,532

Buy Apartment in City Center (m2)

$19.4K $19.4K

Buy Apartment Outside City Center (m2)

$6,754 $6,754

Average Monthly Net Salary (After Tax)

$7,935 BMD 7,935

$5,290 $5,290

50.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

6.82

26.54%

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

Last update for Pembroke: October 5, 2026

Last update for New York, NY: October 3, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$749 31.4%

New York, NY

$546 11% 27.1% $203

Monthly Utilities & Internet

Pembroke

$597 25%

New York, NY

$364 7.3% 39% $233

Eating Out

Pembroke

$590 24.7%

New York, NY

$422 8.5% 28.4% $167

Clothing & Footwear

Pembroke

$194 8.1%

New York, NY

$172 3.4% 11.3% $22

Getting Around

Pembroke

$148 * 6.2%

New York, NY

$165 3.3% 12% $18

Sport & Entertainment

Pembroke

$107 4.5%

New York, NY

$165 3.3% 54.5% $58

Accommodation & Living

Pembroke

- * 0%

New York, NY

$3.2K 63.2%

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

Cost Breakdown

A central one-bedroom costs $3,765 in Pembroke versus $4,506 in New York, NY. 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 50% 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 $119 in New York, NY. Monthly groceries follow the same trend: $749 vs $546 – making New York, NY the more affordable choice for daily food spending.

Good to know

🇧🇲 Pembroke

🇺🇸 New York, NY

🕒 Local time

09:44 9:44 AM

08:44 8:44 AM

1 h behind Pembroke

🌤 Weather

👥 Population

11,160

8,804,190

💱 Currency

Bermudian Dollar BMD $

United States Dollar USD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

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).

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

USD to BMD in detail →

On the map

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Between locations

Pembroke New York, NY 1,250 km ≈ 2 h nonstop flight

From you

Pembroke
New York, NY

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 New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 118% 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 $7,714 in New York, NY. 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.

Kindergarten costs $1,324 per month in Pembroke and $3,425 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 37% cheaper in New York, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $2,355 in Pembroke and $5,142 in New York, NY. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Pembroke costs $2,355 versus $5,142 in New York, NY. 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 Pembroke. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.