Last update: Nov 2026

Cost of Living Comparison Between Pembroke and Sao Paulo

For one person, living is cheaper in Sao Paulo: $1,137 a month against $2,331 in Pembroke, rent and utilities included – about $14,300 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
54

Cost of Living Index in Sao Paulo
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Sao Paulo Living Index

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Pembroke

🇧🇲 Bermuda

$2,331

/mo nomad

Sao Paulo

🇧🇷 Brazil

$1,137

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Sao Paulo

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

Monthly costs for one person with rent: $2,331 in Pembroke versus $1,137 in Sao Paulo.

Pembroke $2,331
Sao Paulo $1,137

Estimated couple costs with rent: $3,800 in Pembroke versus $1,898 in Sao Paulo.

Pembroke $3,800
Sao Paulo $1,898

Monthly costs for a family of three with rent: $5,269 in Pembroke versus $2,660 in Sao Paulo.

Pembroke $5,269
Sao Paulo $2,660

Living in Pembroke is roughly 105% more expensive than in Sao Paulo, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pembroke is 72% above, Sao Paulo is 16% below.

Meal at Budget Restaurant

$42.77 BMD 42.77

$8.09 R$44.53

428.68%

Three-Course Dinner for Two, Mid-Range

$153 BMD 153

$46.75 R$257

226.78%

Fast Food Meal (McDonalds, etc)

$17.73 BMD 17.73

$8.19 R$45.10

116.48%

Cappuccino

$4.44 BMD 4.44

$2.34 R$12.90

89.74%

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

$2.96 BMD 2.96

$1.35 R$7.42

119.26%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$0.81 R$4.45

292.59%

Local Beer (0.5 liter draught)

$7.60 BMD 7.60

$2.83 R$15.56

168.55%

Imported Beer (0.33 liter bottle)

$8.94 BMD 8.94

$4.08 R$22.46

119.12%

Milk (1 liter)

$4.96 BMD 4.96

$1.10 R$6.08

350.91%

White Bread (500g)

$8.07 BMD 8.07

$1.73 R$9.54

366.47%

Rice (white) (1kg)

$5.51 BMD 5.51

$1.47 R$8.11

274.83%

Eggs

$7.08 BMD 7.08

$2.55 R$14.01

177.65%

Local Cheese (1kg)

$23.60 BMD 23.60

$11.49 R$63.3

105.40%

Chicken Fillets (1kg)

$21.13 BMD 21.13

$4.82 R$26.52

338.38%

Beef Round Steak (1kg)

$19.75 BMD 19.75

$10.03 R$55.2

96.91%

Apples (1kg)

$9.11 BMD 9.11

$2.41 R$13.25

278.01%

Banana (1kg)

$6.57 BMD 6.57

$1.60 R$8.81

310.63%

Oranges (1kg)

$7.16 BMD 7.16

$1.37 R$7.56

422.63%

Tomato (1kg)

$8.45 BMD 8.45

$1.77 R$9.76

377.40%

Potato (1kg)

$5.74 BMD 5.74

$1.31 R$7.21

338.17%

Onion (1kg)

$4.07 BMD 4.07

$1.15 R$6.32

253.91%

Lettuce (1 head)

$6.38 BMD 6.38

$1.16 R$6.37

450.00%

Water (1.5 liter bottle)

$3.52 BMD 3.52

$0.87 R$4.80

304.60%

Cigarettes 20 Pack (Marlboro, Camel)

$17.81 BMD 17.81

$2.70 R$14.87

559.63%

Wine (Bottle)

$23.75 BMD 23.75

$9.28 R$51.1

155.93%

Local Beer (0.5 liter bottle)

$5.26 BMD 5.26

$1.62 R$8.93

224.69%

Imported Beer (0.33 liter bottle)

$4.25 BMD 4.25

$2.39 R$13.18

77.82%

One-way Ticket (Public Transport)

$0.96 R$5.27

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$43.95 R$242

198.59%

Taxi Start (Normal Tariff)

$6.43 BMD 6.43

$1.26 R$6.93

410.32%

Taxi (Normal Tariff) (1km)

$2.52 BMD 2.52

$0.89 R$4.92

183.15%

Taxi 1hour Waiting (Normal Tariff)

$69.7 BMD 69.7

$10.10 R$55.6

590.40%

Gasoline (1 liter)

$2.35 BMD 2.35

$1.18 R$6.47

99.15%

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

$37.0K BMD 37.0K

$21.4K R$118.0K

72.55%

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

$42.0K BMD 42.0K

$32.3K R$177.8K

30.09%

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

$293 BMD 293

$93.0 R$512

214.82%

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

$150 BMD 150

$15.28 R$84.1

884.23%

Internet (50+ Mbps, Unlimited Data)

$162 BMD 162

$19.65 R$108

722.19%

Gym Membership (Monthly)

$79.2 BMD 79.2

$31.16 R$171

154.30%

Tennis Court (1 Hour on Weekend)

$47.29 R$260

Cinema Ticket

$13.31 BMD 13.31

$9.36 R$51.5

42.20%

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

$1,338 BMD 1,338

$564 R$3,102

137.36%

International Primary School, 1 Child (Yearly)

$27.0K BMD 27.0K

$25.1K R$138.0K

7.82%

Jeans (Levis 501 Or Similar)

$88.3 BMD 88.3

$59.2 R$326

49.08%

Summer Dress (H&M, Zara, etc)

$68.7 BMD 68.7

$56.0 R$308

22.54%

Sport Shoes (Adidas, Nike)

$144 BMD 144

$96.3 R$530

49.20%

Men's Leather Business Shoes

$130 BMD 130

$86.9 R$479

49.67%

1-bedroom Apartment, City Center (Monthly)

$3,706 BMD 3,706

$602 R$3,313

515.79%

1-bedroom Apartment, Outside City Center (Monthly)

$401 R$2,206

3-bedroom Apartment, City Center (Monthly)

$1,343 R$7,392

3-bedroom Apartment, Outside City Center (Monthly)

$925 R$5,093

Buy Apartment in City Center (m2)

$2,514 R$13.8K

Buy Apartment Outside City Center (m2)

$1,866 R$10.3K

Average Monthly Net Salary (After Tax)

$7,856 BMD 7,856

$863 R$4,750

810.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

11.5

-24.96%

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

Last update for Pembroke: November 2, 2026

Last update for Sao Paulo: November 2, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 32.1%

Sao Paulo

$222 19.5% 70.3% $526

Monthly Utilities & Internet

Pembroke

$605 25.9%

Sao Paulo

$128 11.3% 78.8% $477

Eating Out

Pembroke

$529 22.7%

Sao Paulo

$148 13.1% 72% $381

Clothing & Footwear

Pembroke

$194 8.3%

Sao Paulo

$134 11.8% 30.7% $60

Getting Around

Pembroke

$150 * 6.4%

Sao Paulo

$54 4.7% 64.4% $97

Sport & Entertainment

Pembroke

$106 4.5%

Sao Paulo

$50 4.4% 52.9% $56

Accommodation & Living

Pembroke

- * 0%

Sao Paulo

$401 35.3%

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 $3,706 in Pembroke and $602 in Sao Paulo. Housing cost is often the main lever when comparing two cities.

Pembroke pays about 9.1 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $153 in Pembroke vs $47 in Sao Paulo for a mid-range dinner for two. Groceries echo the gap at $748 vs $222 per month, with Sao Paulo cheaper across the board.

Good to know

🇧🇲 Pembroke

🇧🇷 Sao Paulo

🕒 Local time

08:39 8:39 AM

09:39 9:39 AM

1 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

11,451,999

💱 Currency

Bermudian Dollar BMD $

Brazilian Real BRL R$

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

1 BRL = 0.182 USD

1 BRL = 0.162 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 = 0.89 EUR).

Brazilian Real exchange rates as of November 6, 2026: 1 USD = 5.5 BRL (1 BRL = 0.182 USD). 1 EUR = 6.18 BRL (1 BRL = 0.162 EUR).

USD to BMD in detail →

On the map

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Highest

Between locations

Pembroke Sao Paulo 6,500 km ≈ 9 h nonstop flight

From you

Pembroke
Sao Paulo

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 Sao Paulo: Cost of Living - Frequently Asked Questions

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

Average pay in Pembroke is about 9.1 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 $602 in Sao Paulo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,338 in Pembroke versus $564 in Sao Paulo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 237% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,137 in Sao Paulo versus $2,331 in Pembroke, a $1,500 budget is realistic in Sao Paulo but tight or insufficient in Pembroke. The gap between the two cities makes Sao Paulo the clear choice for anyone on this budget.

Both work as nomad bases, but Sao Paulo delivers better value at $1,137 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Sao Paulo hard to pass up.

Expats usually find Sao Paulo 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.