Last update: Nov 2026

Cost of Living Comparison Between Pembroke and Santiago

For one person, living is cheaper in Santiago: $1,144 a month against $2,331 in Pembroke, rent and utilities included – about $14,200 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
55

Cost of Living Index in Santiago
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Santiago Living Index

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Pembroke

🇧🇲 Bermuda

$2,331

/mo nomad

Santiago

🇨🇱 Chile

$1,144

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Santiago

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

Monthly costs for one person with rent: $2,331 in Pembroke versus $1,144 in Santiago.

Pembroke $2,331
Santiago $1,144

Estimated couple costs with rent: $3,800 in Pembroke versus $1,851 in Santiago.

Pembroke $3,800
Santiago $1,851

Monthly costs for a family of three with rent: $5,269 in Pembroke versus $2,558 in Santiago.

Pembroke $5,269
Santiago $2,558

Living in Pembroke is roughly 104% more expensive than in Santiago, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pembroke is 72% above, Santiago is 15% below.

Meal at Budget Restaurant

$42.77 BMD 42.77

$10.15 CLP 9,786

321.38%

Three-Course Dinner for Two, Mid-Range

$153 BMD 153

$51.7 CLP 49.8K

195.61%

Fast Food Meal (McDonalds, etc)

$17.73 BMD 17.73

$8.93 CLP 8,610

98.54%

Cappuccino

$4.44 BMD 4.44

$3.19 CLP 3,080

39.18%

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

$2.96 BMD 2.96

$1.66 CLP 1,600

78.31%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$1.27 CLP 1,223

150.39%

Local Beer (0.5 liter draught)

$7.60 BMD 7.60

$3.98 CLP 3,841

90.95%

Imported Beer (0.33 liter bottle)

$8.94 BMD 8.94

$4.69 CLP 4,527

90.62%

Milk (1 liter)

$4.96 BMD 4.96

$1.27 CLP 1,224

290.55%

White Bread (500g)

$8.07 BMD 8.07

$1.85 CLP 1,788

336.22%

Rice (white) (1kg)

$5.51 BMD 5.51

$1.66 CLP 1,600

231.93%

Eggs

$7.08 BMD 7.08

$4.19 CLP 4,040

68.97%

Local Cheese (1kg)

$23.60 BMD 23.60

$11.13 CLP 10.7K

112.04%

Chicken Fillets (1kg)

$21.13 BMD 21.13

$6.96 CLP 6,715

203.59%

Beef Round Steak (1kg)

$19.75 BMD 19.75

$10.68 CLP 10.3K

84.93%

Apples (1kg)

$9.11 BMD 9.11

$2.00 CLP 1,931

355.50%

Banana (1kg)

$6.57 BMD 6.57

$1.56 CLP 1,502

321.15%

Oranges (1kg)

$7.16 BMD 7.16

$1.63 CLP 1,575

339.26%

Tomato (1kg)

$8.45 BMD 8.45

$1.76 CLP 1,693

380.11%

Potato (1kg)

$5.74 BMD 5.74

$1.13 CLP 1,091

407.96%

Onion (1kg)

$4.07 BMD 4.07

$1.55 CLP 1,494

162.58%

Lettuce (1 head)

$6.38 BMD 6.38

$1.26 CLP 1,218

406.35%

Water (1.5 liter bottle)

$3.52 BMD 3.52

$1.08 CLP 1,043

225.93%

Cigarettes 20 Pack (Marlboro, Camel)

$17.81 BMD 17.81

$5.22 CLP 5,035

241.19%

Wine (Bottle)

$23.75 BMD 23.75

$5.87 CLP 5,657

304.60%

Local Beer (0.5 liter bottle)

$5.26 BMD 5.26

$1.48 CLP 1,431

255.41%

Imported Beer (0.33 liter bottle)

$4.25 BMD 4.25

$2.36 CLP 2,277

80.08%

One-way Ticket (Public Transport)

$0.81 CLP 780

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$41.61 CLP 40.1K

215.38%

Taxi Start (Normal Tariff)

$6.43 BMD 6.43

$0.39 CLP 377

1548.72%

Taxi (Normal Tariff) (1km)

$2.52 BMD 2.52

$0.87 CLP 835

189.66%

Taxi 1hour Waiting (Normal Tariff)

$69.7 BMD 69.7

$11.52 CLP 11.1K

505.30%

Gasoline (1 liter)

$2.35 BMD 2.35

$1.50 CLP 1,448

56.67%

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

$37.0K BMD 37.0K

$16.7K CLP 16.1M

120.99%

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

$42.0K BMD 42.0K

$25.5K CLP 24.6M

65.04%

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

$293 BMD 293

$148 CLP 142.8K

97.62%

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

$150 BMD 150

$12.00 CLP 11.6K

1153.25%

Internet (50+ Mbps, Unlimited Data)

$162 BMD 162

$18.81 CLP 18.1K

758.90%

Gym Membership (Monthly)

$79.2 BMD 79.2

$32.43 CLP 31.3K

144.34%

Tennis Court (1 Hour on Weekend)

$11.82 CLP 11.4K

Cinema Ticket

$13.31 BMD 13.31

$7.80 CLP 7,519

70.64%

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

$1,338 BMD 1,338

$449 CLP 432.6K

198.13%

International Primary School, 1 Child (Yearly)

$27.0K BMD 27.0K

$13.3K CLP 12.9M

102.52%

Jeans (Levis 501 Or Similar)

$88.3 BMD 88.3

$50.7 CLP 48.9K

74.14%

Summer Dress (H&M, Zara, etc)

$68.7 BMD 68.7

$28.88 CLP 27.8K

137.74%

Sport Shoes (Adidas, Nike)

$144 BMD 144

$65.5 CLP 63.2K

119.23%

Men's Leather Business Shoes

$130 BMD 130

$79.8 CLP 77.0K

63.00%

1-bedroom Apartment, City Center (Monthly)

$3,706 BMD 3,706

$522 CLP 503.5K

609.73%

1-bedroom Apartment, Outside City Center (Monthly)

$341 CLP 328.9K

3-bedroom Apartment, City Center (Monthly)

$1,036 CLP 998.7K

3-bedroom Apartment, Outside City Center (Monthly)

$745 CLP 718.7K

Buy Apartment in City Center (m2)

$2,890 CLP 2.8M

Buy Apartment Outside City Center (m2)

$2,597 CLP 2.5M

Average Monthly Net Salary (After Tax)

$7,856 BMD 7,856

$826 CLP 796.7K

850.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

5.31

62.52%

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

Last update for Pembroke: November 2, 2026

Last update for Santiago: November 2, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 32.1%

Santiago

$238 20.8% 68.2% $510

Monthly Utilities & Internet

Pembroke

$605 25.9%

Santiago

$179 15.6% 70.4% $426

Eating Out

Pembroke

$529 22.7%

Santiago

$187 16.4% 64.6% $342

Clothing & Footwear

Pembroke

$194 8.3%

Santiago

$101 8.9% 47.8% $93

Getting Around

Pembroke

$150 * 6.4%

Santiago

$50 4.3% 67% $101

Sport & Entertainment

Pembroke

$106 4.5%

Santiago

$48 4.2% 54.6% $58

Accommodation & Living

Pembroke

- * 0%

Santiago

$341 29.8%

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 $522 in Santiago. Housing cost is often the main lever when comparing two cities.

Pembroke pays about 9.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $153 in Pembroke vs $52 in Santiago for a mid-range dinner for two. Groceries echo the gap at $748 vs $238 per month, with Santiago cheaper across the board.

Good to know

🇧🇲 Pembroke

🇨🇱 Santiago

🕒 Local time

18:59 6:59 PM

19:59 7:59 PM

1 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

6,139,087 Capital

💱 Currency

Bermudian Dollar BMD $

Chilean Peso CLP $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.891 EUR

10,000 CLP = 10.37 USD

10,000 CLP = 9.24 EUR

Exchange rates and currency converter

CLP, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of November 5, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.891 EUR).

Chilean Peso exchange rates as of November 5, 2026: 1 USD = 964 CLP (1,000 CLP = 1.04 USD). 1 EUR = 1,082 CLP (10,000 CLP = 9.24 EUR).

USD to BMD in detail →

On the map

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Highest

Between locations

Pembroke Santiago 7,340 km ≈ 10 h nonstop flight

From you

Pembroke
Santiago

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 Santiago: Cost of Living - Frequently Asked Questions

Santiago wins on cost – living expenses run 51% lower than in Pembroke. Housing and daily spending are where you’ll feel the difference most, making Santiago the obvious pick if budget is a priority.

Average pay in Pembroke is about 9.5 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 $522 in Santiago. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,338 in Pembroke versus $449 in Santiago. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 214% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,144 in Santiago versus $2,331 in Pembroke, a $1,500 budget is realistic in Santiago but tight or insufficient in Pembroke. The gap between the two cities makes Santiago the clear choice for anyone on this budget.

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.

Expats usually find Santiago gentler on the wallet – expenses run 51% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.