Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Phuket

For one person, living is cheaper in Phuket: $1,208 a month against $2,374 in Pembroke, rent and utilities included – about $14,000 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
59

Cost of Living Index in Phuket
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Phuket Living Index

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Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Phuket

🇹🇭 Thailand

$1,208

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Phuket

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

Monthly costs for one person with rent: $2,374 in Pembroke versus $1,208 in Phuket.

Pembroke $2,374
Phuket $1,208

Estimated couple costs with rent: $3,871 in Pembroke versus $2,027 in Phuket.

Pembroke $3,871
Phuket $2,027

Monthly costs for a family of three with rent: $5,368 in Pembroke versus $2,845 in Phuket.

Pembroke $5,368
Phuket $2,845

Living in Pembroke is roughly 96% more expensive than in Phuket, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pembroke is 75% above, Phuket is 11% below.

Meal at Budget Restaurant

$49.04 BMD 49.04

$4.40 ฿147

1014.55%

Three-Course Dinner for Two, Mid-Range

$152 BMD 152

$32.26 ฿1,078

371.39%

Fast Food Meal (McDonalds, etc)

$16.78 BMD 16.78

$8.76 ฿293

91.55%

Cappuccino

$4.38 BMD 4.38

$2.83 ฿94.5

54.77%

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

$3.02 BMD 3.02

$0.90 ฿30.14

235.56%

Water (0.33 liter bottle)

$3.05 BMD 3.05

$0.47 ฿15.56

548.94%

Local Beer (0.5 liter draught)

$7.63 BMD 7.63

$2.55 ฿85.2

199.22%

Imported Beer (0.33 liter bottle)

$8.86 BMD 8.86

$3.83 ฿128

131.33%

Milk (1 liter)

$4.80 BMD 4.80

$1.73 ฿57.7

177.46%

White Bread (500g)

$8.14 BMD 8.14

$1.47 ฿49.11

453.74%

Rice (white) (1kg)

$5.40 BMD 5.40

$1.51 ฿50.6

257.62%

Eggs

$7.07 BMD 7.07

$2.17 ฿72.7

225.81%

Local Cheese (1kg)

$23.42 BMD 23.42

$19.70 ฿658

18.88%

Chicken Fillets (1kg)

$21.37 BMD 21.37

$3.34 ฿112

539.82%

Beef Round Steak (1kg)

$19.80 BMD 19.80

$11.16 ฿373

77.42%

Apples (1kg)

$8.94 BMD 8.94

$2.85 ฿95.1

213.68%

Banana (1kg)

$6.75 BMD 6.75

$1.70 ฿56.9

297.06%

Oranges (1kg)

$7.25 BMD 7.25

$2.19 ฿73.3

231.05%

Tomato (1kg)

$8.46 BMD 8.46

$2.05 ฿68.4

312.68%

Potato (1kg)

$5.78 BMD 5.78

$1.45 ฿48.57

298.62%

Onion (1kg)

$4.05 BMD 4.05

$1.38 ฿46.16

193.48%

Lettuce (1 head)

$6.34 BMD 6.34

$1.07 ฿35.69

492.52%

Water (1.5 liter bottle)

$3.50 BMD 3.50

$0.51 ฿16.91

586.27%

Cigarettes 20 Pack (Marlboro, Camel)

$17.99 BMD 17.99

$4.26 ฿142

322.30%

Wine (Bottle)

$24.37 BMD 24.37

$18.58 ฿621

31.16%

Local Beer (0.5 liter bottle)

$5.17 BMD 5.17

$1.78 ฿59.7

190.45%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.85 ฿95.2

49.82%

One-way Ticket (Public Transport)

$2.26 ฿75.6

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$22.10 ฿738

494.16%

Taxi Start (Normal Tariff)

$6.37 BMD 6.37

$3.01 ฿101

111.63%

Taxi (Normal Tariff) (1km)

$2.54 BMD 2.54

$1.06 ฿35.34

139.62%

Taxi 1hour Waiting (Normal Tariff)

$70.5 BMD 70.5

$3.86 ฿129

1725.13%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.45 ฿48.45

66.90%

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

$37.3K BMD 37.3K

$26.3K ฿879.9K

41.69%

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

$42.9K BMD 42.9K

$26.9K ฿900.4K

59.10%

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

$291 BMD 291

$96.4 ฿3,221

201.58%

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

$150 BMD 150

$11.04 ฿369

1262.68%

Internet (50+ Mbps, Unlimited Data)

$160 BMD 160

$17.14 ฿573

834.89%

Gym Membership (Monthly)

$78.1 BMD 78.1

$52.2 ฿1,744

49.71%

Tennis Court (1 Hour on Weekend)

$11.16 ฿373

Cinema Ticket

$13.34 BMD 13.34

$7.81 ฿261

70.81%

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

$1,303 BMD 1,303

$556 ฿18.6K

134.32%

International Primary School, 1 Child (Yearly)

$25.5K BMD 25.5K

$11.6K ฿387.0K

120.19%

Jeans (Levis 501 Or Similar)

$91.5 BMD 91.5

$64.2 ฿2,146

42.51%

Summer Dress (H&M, Zara, etc)

$71.1 BMD 71.1

$28.69 ฿959

147.75%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$95.4 ฿3,187

48.25%

Men's Leather Business Shoes

$127 BMD 127

$88.0 ฿2,940

44.32%

1-bedroom Apartment, City Center (Monthly)

$3,811 BMD 3,811

$737 ฿24.6K

416.99%

1-bedroom Apartment, Outside City Center (Monthly)

$462 ฿15.5K

3-bedroom Apartment, City Center (Monthly)

$2,095 ฿70.0K

3-bedroom Apartment, Outside City Center (Monthly)

$1,201 ฿40.1K

Buy Apartment in City Center (m2)

$3,488 ฿116.6K

Buy Apartment Outside City Center (m2)

$2,523 ฿84.3K

Average Monthly Net Salary (After Tax)

$8,056 BMD 8,056

$501 ฿16.7K

1508.89%

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 Phuket: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 31.5%

Phuket

$269 22.2% 64.1% $480

Monthly Utilities & Internet

Pembroke

$601 25.3%

Phuket

$125 10.3% 79.3% $477

Eating Out

Pembroke

$575 24.2%

Phuket

$121 10% 78.9% $454

Clothing & Footwear

Pembroke

$194 8.2%

Phuket

$124 10.3% 35.9% $70

Getting Around

Pembroke

$150 * 6.3%

Phuket

$39 3.3% 73.8% $111

Sport & Entertainment

Pembroke

$105 4.4%

Phuket

$68 5.6% 35.3% $37

Accommodation & Living

Pembroke

- * 0%

Phuket

$462 38.3%

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 $3,811 in Pembroke and $737 in Phuket. Housing cost is often the main lever when comparing two cities.

Pembroke pays 1509% 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: $152 in Pembroke vs $32.00 in Phuket for a mid-range dinner for two. Groceries echo the gap at $748 vs $269 per month, with Phuket cheaper across the board.

Good to know

🇧🇲 Pembroke

🇹🇭 Phuket

🕒 Local time

19:22 7:22 PM

05:22 5:22 AM

10 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

79,308

💱 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 24, 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 24, 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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Highest

Between locations

Pembroke Phuket 15,200 km ≈ 20 h nonstop flight

From you

Pembroke
Phuket

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 Phuket: Cost of Living - Frequently Asked Questions

Phuket wins on cost – living expenses run 96% lower than in Pembroke. Housing and daily spending are where you'll feel the difference most, making Phuket the obvious pick if budget is a priority.

Average pay runs 1509% 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: $3,811 in Pembroke versus $737 in Phuket. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,303 in Pembroke versus $556 in Phuket. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 178% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,208 in Phuket versus $2,374 in Pembroke, a $1,500 budget is realistic in Phuket but tight or insufficient in Pembroke. The gap between the two cities makes Phuket the clear choice for anyone on this budget.

Both work as nomad bases, but Phuket delivers better value – similar infrastructure at $1,208 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Phuket hard to pass up.

Safety-wise, Pembroke and Phuket 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 Phuket gentler on the wallet – expenses run 96% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.