Last update: Nov 2026

Cost of Living Comparison Between Pembroke and Rio de Janeiro

For one person, living is cheaper in Rio de Janeiro: $1,185 a month against $2,331 in Pembroke, rent and utilities included – about $13,800 less a year. The total is higher in Pembroke despite lower rent and utilities.

111

Cost of Living Index in Pembroke
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Pembroke Living Index
57

Cost of Living Index in Rio de Janeiro
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Rio de Janeiro Living Index

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Pembroke

🇧🇲 Bermuda

$2,331

/mo nomad

Rio de Janeiro

🇧🇷 Brazil

$1,185

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Rio de Janeiro

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 Rio de Janeiro actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,331 in Pembroke versus $1,185 in Rio de Janeiro.

Pembroke $2,331
Rio de Janeiro $1,185

Estimated couple costs with rent: $3,800 in Pembroke versus $1,737 in Rio de Janeiro.

Pembroke $3,800
Rio de Janeiro $1,737

Monthly costs for a family of three with rent: $5,269 in Pembroke versus $2,289 in Rio de Janeiro.

Pembroke $5,269
Rio de Janeiro $2,289

Living in Pembroke is roughly 97% more expensive than in Rio de Janeiro, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pembroke is 72% above, Rio de Janeiro is 12% below.

Meal at Budget Restaurant

$42.77 BMD 42.77

$8.16 R$44.89

424.14%

Three-Course Dinner for Two, Mid-Range

$153 BMD 153

$37.20 R$205

310.67%

Fast Food Meal (McDonalds, etc)

$17.73 BMD 17.73

$7.52 R$41.40

135.77%

Cappuccino

$4.44 BMD 4.44

$2.10 R$11.58

111.43%

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

$2.96 BMD 2.96

$1.36 R$7.49

117.65%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$0.96 R$5.29

231.25%

Local Beer (0.5 liter draught)

$7.60 BMD 7.60

$1.98 R$10.88

283.84%

Imported Beer (0.33 liter bottle)

$8.94 BMD 8.94

$3.26 R$17.94

174.23%

Milk (1 liter)

$4.96 BMD 4.96

$1.09 R$5.97

355.05%

White Bread (500g)

$8.07 BMD 8.07

$1.87 R$10.27

331.55%

Rice (white) (1kg)

$5.51 BMD 5.51

$1.12 R$6.19

391.96%

Eggs

$7.08 BMD 7.08

$2.20 R$12.12

221.82%

Local Cheese (1kg)

$23.60 BMD 23.60

$9.91 R$54.6

138.14%

Chicken Fillets (1kg)

$21.13 BMD 21.13

$4.11 R$22.62

414.11%

Beef Round Steak (1kg)

$19.75 BMD 19.75

$9.25 R$50.9

113.51%

Apples (1kg)

$9.11 BMD 9.11

$2.59 R$14.26

251.74%

Banana (1kg)

$6.57 BMD 6.57

$1.69 R$9.28

288.76%

Oranges (1kg)

$7.16 BMD 7.16

$1.47 R$8.08

387.07%

Tomato (1kg)

$8.45 BMD 8.45

$1.72 R$9.45

391.28%

Potato (1kg)

$5.74 BMD 5.74

$1.16 R$6.36

394.83%

Onion (1kg)

$4.07 BMD 4.07

$1.00 R$5.50

307.00%

Lettuce (1 head)

$6.38 BMD 6.38

$0.66 R$3.61

866.67%

Water (1.5 liter bottle)

$3.52 BMD 3.52

$0.61 R$3.35

477.05%

Cigarettes 20 Pack (Marlboro, Camel)

$17.81 BMD 17.81

$2.69 R$14.81

562.08%

Wine (Bottle)

$23.75 BMD 23.75

$7.20 R$39.64

229.86%

Local Beer (0.5 liter bottle)

$5.26 BMD 5.26

$1.07 R$5.90

391.59%

Imported Beer (0.33 liter bottle)

$4.25 BMD 4.25

$2.24 R$12.32

89.73%

One-way Ticket (Public Transport)

$0.88 R$4.82

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$52.3 R$288

150.82%

Taxi Start (Normal Tariff)

$6.43 BMD 6.43

$1.18 R$6.49

444.92%

Taxi (Normal Tariff) (1km)

$2.52 BMD 2.52

$0.68 R$3.72

270.59%

Taxi 1hour Waiting (Normal Tariff)

$69.7 BMD 69.7

$8.71 R$47.94

700.57%

Gasoline (1 liter)

$2.35 BMD 2.35

$1.20 R$6.59

95.83%

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

$37.0K BMD 37.0K

$21.9K R$120.4K

69.21%

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

$42.0K BMD 42.0K

$31.0K R$170.7K

35.54%

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

$293 BMD 293

$126 R$691

133.04%

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

$150 BMD 150

$10.14 R$55.8

1383.14%

Internet (50+ Mbps, Unlimited Data)

$162 BMD 162

$20.95 R$115

671.17%

Gym Membership (Monthly)

$79.2 BMD 79.2

$28.51 R$157

177.94%

Tennis Court (1 Hour on Weekend)

$28.87 R$159

Cinema Ticket

$13.31 BMD 13.31

$7.40 R$40.75

79.86%

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

$1,338 BMD 1,338

$537 R$2,955

149.12%

International Primary School, 1 Child (Yearly)

$27.0K BMD 27.0K

$15.9K R$87.4K

70.09%

Jeans (Levis 501 Or Similar)

$88.3 BMD 88.3

$38.68 R$213

128.21%

Summer Dress (H&M, Zara, etc)

$68.7 BMD 68.7

$45.06 R$248

52.37%

Sport Shoes (Adidas, Nike)

$144 BMD 144

$68.6 R$378

109.45%

Men's Leather Business Shoes

$130 BMD 130

$64.1 R$353

103.06%

1-bedroom Apartment, City Center (Monthly)

$3,706 BMD 3,706

$768 R$4,225

382.87%

1-bedroom Apartment, Outside City Center (Monthly)

$491 R$2,701

3-bedroom Apartment, City Center (Monthly)

$1,458 R$8,026

3-bedroom Apartment, Outside City Center (Monthly)

$743 R$4,088

Buy Apartment in City Center (m2)

$3,325 R$18.3K

Buy Apartment Outside City Center (m2)

$1,552 R$8,542

Average Monthly Net Salary (After Tax)

$7,856 BMD 7,856

$674 R$3,708

1066.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

11.93

-27.66%

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

Last update for Pembroke: November 2, 2026

Last update for Rio de Janeiro: November 3, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 32.1%

Rio de Janeiro

$198 16.7% 73.5% $550

Monthly Utilities & Internet

Pembroke

$605 25.9%

Rio de Janeiro

$157 13.2% 74.1% $448

Eating Out

Pembroke

$529 22.7%

Rio de Janeiro

$139 11.7% 73.8% $390

Clothing & Footwear

Pembroke

$194 8.3%

Rio de Janeiro

$97 8.2% 49.8% $96

Getting Around

Pembroke

$150 * 6.4%

Rio de Janeiro

$60 5.1% 59.8% $90

Sport & Entertainment

Pembroke

$106 4.5%

Rio de Janeiro

$43 3.7% 59.1% $63

Accommodation & Living

Pembroke

- * 0%

Rio de Janeiro

$491 41.4%

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 $3,706 in Pembroke and $768 in Rio de Janeiro. Housing cost is often the main lever when comparing two cities.

Pembroke pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $153 in Pembroke vs $37 in Rio de Janeiro for a mid-range dinner for two. Groceries echo the gap at $748 vs $198 per month, with Rio de Janeiro cheaper across the board.

Good to know

🇧🇲 Pembroke

🇧🇷 Rio de Janeiro

🕒 Local time

17:17 5:17 PM

18:17 6:17 PM

1 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

6,211,223

💱 Currency

Bermudian Dollar BMD $

Brazilian Real BRL R$

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.895 EUR

1 BRL = 0.182 USD

1 BRL = 0.163 EUR

Exchange rates and currency converter

BRL, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of November 6, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.895 EUR).

Brazilian Real exchange rates as of November 6, 2026: 1 USD = 5.5 BRL (1 BRL = 0.182 USD). 1 EUR = 6.15 BRL (1 BRL = 0.163 EUR).

USD to BMD in detail →

On the map

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Between locations

Pembroke Rio de Janeiro 6,550 km ≈ 9 h nonstop flight

From you

Pembroke
Rio de Janeiro

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 Rio de Janeiro: Cost of Living - Frequently Asked Questions

Rio de Janeiro wins on cost – living expenses run 49% lower than in Pembroke. Housing and daily spending are where you’ll feel the difference most, making Rio de Janeiro the obvious pick if budget is a priority.

Average pay in Pembroke is about 12 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: $3,706 in Pembroke versus $768 in Rio de Janeiro. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,338 in Pembroke versus $537 in Rio de Janeiro. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 278% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,185 in Rio de Janeiro versus $2,331 in Pembroke, a $2,000 budget is realistic in Rio de Janeiro but tight or insufficient in Pembroke. The gap between the two cities makes Rio de Janeiro the clear choice for anyone on this budget.

Both work as nomad bases, but Rio de Janeiro delivers better value at $1,185 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Rio de Janeiro hard to pass up.

Expats usually find Rio de Janeiro gentler on the wallet – expenses run 49% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.