Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Providenciales

For one person, living is cheaper in Pembroke: $2,374 a month against $3,530 in Providenciales, rent and utilities included – about $13,900 less a year. Higher rent and utilities in Providenciales outweigh lower spending on other living expenses.

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Cost of Living Index in Pembroke
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Pembroke Living Index

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Providenciales, Turks and Caicos Islands

Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Providenciales

🇹🇨 Turks and Caicos Islands

$3,530

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Providenciales

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

Monthly costs for one person with rent: $2,374 in Pembroke versus $3,530 in Providenciales.

Pembroke $2,374
Providenciales $3,530

Estimated couple costs with rent: $3,870 in Pembroke versus $5,963 in Providenciales.

Pembroke $3,870
Providenciales $5,963

Monthly costs for a family of three with rent: $5,366 in Pembroke versus $8,396 in Providenciales.

Pembroke $5,366
Providenciales $8,396

Living in Pembroke costs roughly 33% less than in Providenciales.

Both cities are pricier than the global median: Pembroke 74% above, Providenciales 159% above.

Meal at Budget Restaurant

$50.4 BMD 50.4

$17.94 $17.94

180.66%

Three-Course Dinner for Two, Mid-Range

$150 BMD 150

$122 $122

22.79%

Fast Food Meal (McDonalds, etc)

$16.61 BMD 16.61

$10.94 $10.94

51.83%

Cappuccino

$4.51 BMD 4.51

$6.13 $6.13

-26.43%

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

$2.97 BMD 2.97

$2.93 $2.93

1.37%

Water (0.33 liter bottle)

$3.15 BMD 3.15

$2.28 $2.28

38.16%

Local Beer (0.5 liter draught)

$7.47 BMD 7.47

$4.91 $4.91

52.14%

Imported Beer (0.33 liter bottle)

$9.18 BMD 9.18

$6.61 $6.61

38.88%

Milk (1 liter)

$4.86 BMD 4.86

$4.73 $4.73

2.75%

White Bread (500g)

$8.10 BMD 8.10

$6.06 $6.06

33.66%

Rice (white) (1kg)

$5.53 BMD 5.53

$4.90 $4.90

12.86%

Eggs

$6.98 BMD 6.98

Local Cheese (1kg)

$23.97 BMD 23.97

Chicken Fillets (1kg)

$20.94 BMD 20.94

$19.61 $19.61

6.78%

Beef Round Steak (1kg)

$19.41 BMD 19.41

$18.03 $18.03

7.65%

Apples (1kg)

$8.90 BMD 8.90

$3.98 $3.98

123.62%

Banana (1kg)

$6.71 BMD 6.71

$2.35 $2.35

185.53%

Oranges (1kg)

$6.93 BMD 6.93

$2.53 $2.53

173.91%

Tomato (1kg)

$8.54 BMD 8.54

Potato (1kg)

$5.55 BMD 5.55

Onion (1kg)

$4.19 BMD 4.19

$2.06 $2.06

103.40%

Lettuce (1 head)

$6.06 BMD 6.06

Water (1.5 liter bottle)

$3.44 BMD 3.44

$3.40 $3.40

1.18%

Cigarettes 20 Pack (Marlboro, Camel)

$18.30 BMD 18.30

Wine (Bottle)

$23.78 BMD 23.78

$20.08 $20.08

18.43%

Local Beer (0.5 liter bottle)

$5.10 BMD 5.10

Imported Beer (0.33 liter bottle)

$4.15 BMD 4.15

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

Taxi Start (Normal Tariff)

$6.40 BMD 6.40

$3.06 $3.06

109.15%

Taxi (Normal Tariff) (1km)

$2.42 BMD 2.42

Taxi 1hour Waiting (Normal Tariff)

$70.2 BMD 70.2

Gasoline (1 liter)

$2.32 BMD 2.32

$2.13 $2.13

8.92%

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

$37.0K BMD 37.0K

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

$43.1K BMD 43.1K

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

$284 BMD 284

$399 $399

-28.92%

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

$150 BMD 150

$68.3 $68.3

119.89%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$144 $144

11.96%

Gym Membership (Monthly)

$80.6 BMD 80.6

$102 $102

-20.95%

Cinema Ticket

$13.61 BMD 13.61

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

$1,335 BMD 1,335

$498 $498

167.88%

International Primary School, 1 Child (Yearly)

$25.1K BMD 25.1K

$12.8K $12.8K

96.26%

Jeans (Levis 501 Or Similar)

$89.3 BMD 89.3

$78.5 $78.5

13.65%

Summer Dress (H&M, Zara, etc)

$69.8 BMD 69.8

$60.1 $60.1

16.15%

Sport Shoes (Adidas, Nike)

$145 BMD 145

$152 $152

-4.81%

Men's Leather Business Shoes

$130 BMD 130

$101 $101

29.10%

1-bedroom Apartment, City Center (Monthly)

$3,692 BMD 3,692

$1,746 $1,746

111.42%

1-bedroom Apartment, Outside City Center (Monthly)

$1,920 $1,920

3-bedroom Apartment, City Center (Monthly)

$4,709 $4,709

3-bedroom Apartment, Outside City Center (Monthly)

$4,953 $4,953

Buy Apartment Outside City Center (m2)

$2,163 $2,163

Average Monthly Net Salary (After Tax)

$8,074 BMD 8,074

$2,376 $2,376

239.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

23.29%

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

Last update for Pembroke: October 27, 2026

Last update for Providenciales: October 26, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$742 31.3%

Providenciales

–

Monthly Utilities & Internet

Pembroke

$595 25.1%

Providenciales

–

Eating Out

Pembroke

$587 24.7%

Providenciales

–

Clothing & Footwear

Pembroke

$195 8.2%

Providenciales

–

Getting Around

Pembroke

$147 * 6.2%

Providenciales

–

Sport & Entertainment

Pembroke

$108 4.5%

Providenciales

–

Accommodation & Living

Pembroke

- * 0%

Providenciales

–

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 $3,692 in Pembroke and $1,746 in Providenciales. Housing cost is often the main lever when comparing two cities.

Pembroke pays about 3.4 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $150 in Pembroke vs $122 in Providenciales for a mid-range dinner for two. Groceries echo the gap at $742 vs $409 per month, with Providenciales cheaper across the board.

Good to know

🇧🇲 Pembroke

🇹🇨 Providenciales

🕒 Local time

09:09 9:09 AM

08:09 8:09 AM

1 h behind Pembroke

🌤 Weather

👥 Population

11,160

23,769

💱 Currency

Bermudian Dollar BMD $

United States Dollar USD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.896 EUR

1 USD = 0.896 EUR

Exchange rates and currency converter

USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of November 2, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.896 EUR).

United States Dollar exchange rates as of November 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

USD to BMD in detail →

On the map

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Highest

Between locations

Pembroke Providenciales 1,380 km ≈ 2 h 15 min nonstop flight

From you

Pembroke
Providenciales

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 Providenciales: Cost of Living - Frequently Asked Questions

Average pay in Pembroke is about 3.4 times higher, 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: $3,692 in Pembroke versus $1,746 in Providenciales. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Providenciales pay roughly 45% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $2,374 per month in Pembroke versus $3,530 in Providenciales – Pembroke is about 33% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $2,000. Pembroke is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.