Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Toronto

For one person, living is cheaper in Pembroke: $2,355 a month against $2,530 in Toronto, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Toronto

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

Monthly costs for one person with rent: $2,355 in Pembroke versus $2,530 in Toronto.

Pembroke $2,355
Toronto $2,530

Estimated couple costs with rent: $3,881 in Pembroke versus $3,646 in Toronto.

Pembroke $3,881
Toronto $3,646

Monthly costs for a family of three with rent: $5,406 in Pembroke versus $4,761 in Toronto.

Pembroke $5,406
Toronto $4,761

Living in Pembroke costs roughly 7% less than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Pembroke 76% above, Toronto 89% above.

Meal at Budget Restaurant

$50.6 BMD 50.6

$17.67 CA$25.19

186.19%

Three-Course Dinner for Two, Mid-Range

$151 BMD 151

$77.4 CA$110

95.23%

Fast Food Meal (McDonalds, etc)

$16.82 BMD 16.82

$10.47 CA$14.93

60.65%

Cappuccino

$4.45 BMD 4.45

$4.08 CA$5.81

9.07%

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

$2.98 BMD 2.98

$2.12 CA$3.02

40.57%

Water (0.33 liter bottle)

$3.18 BMD 3.18

$1.76 CA$2.51

80.68%

Local Beer (0.5 liter draught)

$7.66 BMD 7.66

$6.17 CA$8.80

24.15%

Imported Beer (0.33 liter bottle)

$9.09 BMD 9.09

$6.89 CA$9.82

31.93%

Milk (1 liter)

$4.82 BMD 4.82

$2.43 CA$3.46

98.35%

White Bread (500g)

$7.95 BMD 7.95

$2.75 CA$3.92

189.09%

Rice (white) (1kg)

$5.57 BMD 5.57

$2.23 CA$3.18

149.78%

Eggs

$7.35 BMD 7.35

$3.45 CA$4.91

113.04%

Local Cheese (1kg)

$23.15 BMD 23.15

$8.93 CA$12.73

159.24%

Chicken Fillets (1kg)

$21.62 BMD 21.62

$11.44 CA$16.31

88.99%

Beef Round Steak (1kg)

$19.72 BMD 19.72

$14.61 CA$20.83

34.98%

Apples (1kg)

$8.94 BMD 8.94

$3.75 CA$5.34

138.40%

Banana (1kg)

$6.69 BMD 6.69

$1.15 CA$1.64

481.74%

Oranges (1kg)

$7.01 BMD 7.01

$3.55 CA$5.06

97.46%

Tomato (1kg)

$8.56 BMD 8.56

$4.28 CA$6.10

100.00%

Potato (1kg)

$5.81 BMD 5.81

$1.85 CA$2.63

214.05%

Onion (1kg)

$4.12 BMD 4.12

$1.67 CA$2.38

146.71%

Lettuce (1 head)

$6.22 BMD 6.22

$2.22 CA$3.16

180.18%

Water (1.5 liter bottle)

$3.56 BMD 3.56

$1.21 CA$1.72

194.21%

Cigarettes 20 Pack (Marlboro, Camel)

$17.84 BMD 17.84

$13.88 CA$19.78

28.53%

Wine (Bottle)

$24.41 BMD 24.41

$14.25 CA$20.31

71.30%

Local Beer (0.5 liter bottle)

$5.32 BMD 5.32

$2.20 CA$3.13

141.82%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.42 CA$3.45

76.45%

One-way Ticket (Public Transport)

$2.42 CA$3.44

Public Transport Monthly Pass (Regular Price)

$129 BMD 129

$111 CA$158

16.29%

Taxi Start (Normal Tariff)

$6.69 BMD 6.69

$2.90 CA$4.13

130.69%

Taxi (Normal Tariff) (1km)

$2.43 BMD 2.43

$1.26 CA$1.80

92.86%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$22.03 CA$31.40

213.71%

Gasoline (1 liter)

$2.42 BMD 2.42

$1.22 CA$1.74

98.36%

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

$36.8K BMD 36.8K

$27.6K CA$39.4K

33.17%

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

$43.5K BMD 43.5K

$19.8K CA$28.3K

119.56%

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

$286 BMD 286

$122 CA$174

134.36%

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

$151 BMD 151

$32.03 CA$45.66

369.87%

Internet (50+ Mbps, Unlimited Data)

$161 BMD 161

$47.92 CA$68.3

235.56%

Gym Membership (Monthly)

$80.2 BMD 80.2

$38.90 CA$55.5

106.20%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$13.32 BMD 13.32

$12.61 CA$17.97

5.63%

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

$1,324 BMD 1,324

$834 CA$1,189

58.80%

International Primary School, 1 Child (Yearly)

$24.7K BMD 24.7K

$23.3K CA$33.3K

5.72%

Jeans (Levis 501 Or Similar)

$90.5 BMD 90.5

$52.6 CA$75.0

72.03%

Summer Dress (H&M, Zara, etc)

$71.2 BMD 71.2

$40.26 CA$57.4

76.75%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$96.2 CA$137

46.19%

Men's Leather Business Shoes

$128 BMD 128

$123 CA$175

4.07%

1-bedroom Apartment, City Center (Monthly)

$3,765 BMD 3,765

$1,598 CA$2,278

135.60%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

Average Monthly Net Salary (After Tax)

$7,935 BMD 7,935

$3,743 CA$5,335

111.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

4.47

93.06%

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

Last update for Pembroke: October 5, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$749 31.4%

Toronto

$340 13.1% 54.6% $409

Monthly Utilities & Internet

Pembroke

$597 25%

Toronto

$202 7.8% 66.2% $395

Eating Out

Pembroke

$590 24.7%

Toronto

$282 10.9% 52.2% $308

Clothing & Footwear

Pembroke

$194 8.1%

Toronto

$140 5.4% 27.5% $53

Getting Around

Pembroke

$148 * 6.2%

Toronto

$130 5% 12.2% $18

Sport & Entertainment

Pembroke

$107 4.5%

Toronto

$64 2.5% 40% $43

Accommodation & Living

Pembroke

- * 0%

Toronto

$1.4K 55.4%

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 $3,765 in Pembroke and $1,598 in Toronto. Housing cost is often the main lever when comparing two cities.

Pembroke pays 112% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $151 in Pembroke vs $77.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $749 vs $340 per month, with Toronto cheaper across the board.

Good to know

🇧🇲 Pembroke

🇨🇦 Toronto

🕒 Local time

04:03 4:03 AM

03:03 3:03 AM

1 h behind Pembroke

🌤 Weather

👥 Population

11,160

2,731,571

💱 Currency

Bermudian Dollar BMD $

Canadian Dollar CAD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of October 10, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

USD to BMD in detail →

On the map

Lowest

Highest

Between locations

Pembroke Toronto 1,790 km ≈ 2 h 45 min nonstop flight

From you

Pembroke
Toronto

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 Toronto: Cost of Living - Frequently Asked Questions

Pembroke and Toronto differ by about 7% in total monthly costs ($2,355 vs $2,530 including rent). Pembroke is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 112% 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: $3,765 in Pembroke versus $1,598 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,324 in Pembroke versus $834 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 120% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

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 work as nomad bases, but Pembroke delivers better value – similar infrastructure at $2,355 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pembroke hard to pass up.

Safety-wise, Pembroke and Toronto 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 Pembroke gentler on the wallet – expenses run 7% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.