Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Torrance, CA

For one person, living is cheaper in Pembroke: $2,387 a month against $3,520 in Torrance, CA, rent and utilities included – about $13,600 less a year. Higher rent and utilities in Torrance, CA outweigh lower spending on other living expenses.

116

Cost of Living Index in Pembroke
Learn more

Pembroke Living Index
172

Cost of Living Index in Torrance, CA
Learn more

Torrance, CA Living Index

Jump to prices

Pembroke

🇧🇲 Bermuda

$2,387

/mo nomad

Torrance, CA

🇺🇸 United States

$3,520

/mo nomad

Monthly Cost of Living

How much you'll spend in Pembroke and in Torrance, CA

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

Monthly costs for one person with rent: $2,387 in Pembroke versus $3,520 in Torrance, CA.

Pembroke $2,387
Torrance, CA $3,520

Estimated couple costs with rent: $3,888 in Pembroke versus $5,192 in Torrance, CA.

Pembroke $3,888
Torrance, CA $5,192

Monthly costs for a family of three with rent: $5,389 in Pembroke versus $6,864 in Torrance, CA.

Pembroke $5,389
Torrance, CA $6,864

Living in Pembroke costs roughly 32% less than in Torrance, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Pembroke 77% above, Torrance, CA 161% above.

Meal at Budget Restaurant

$51.0 BMD 51.0

$24.76 $24.76

105.82%

Three-Course Dinner for Two, Mid-Range

$148 BMD 148

$78.5 $78.5

88.88%

Fast Food Meal (McDonalds, etc)

$16.62 BMD 16.62

$14.75 $14.75

12.68%

Cappuccino

$4.45 BMD 4.45

$4.66 $4.66

-4.51%

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

$3.13 BMD 3.13

$3.77 $3.77

-16.98%

Water (0.33 liter bottle)

$3.21 BMD 3.21

$2.74 $2.74

17.15%

Local Beer (0.5 liter draught)

$7.46 BMD 7.46

$8.06 $8.06

-7.44%

Imported Beer (0.33 liter bottle)

$9.08 BMD 9.08

$9.85 $9.85

-7.82%

Milk (1 liter)

$4.87 BMD 4.87

$1.29 $1.29

277.52%

White Bread (500g)

$8.22 BMD 8.22

$4.70 $4.70

74.89%

Rice (white) (1kg)

$5.54 BMD 5.54

$4.89 $4.89

13.29%

Eggs

$7.38 BMD 7.38

$4.47 $4.47

65.10%

Local Cheese (1kg)

$23.76 BMD 23.76

$11.62 $11.62

104.48%

Chicken Fillets (1kg)

$21.60 BMD 21.60

$16.07 $16.07

34.41%

Beef Round Steak (1kg)

$19.29 BMD 19.29

$19.91 $19.91

-3.11%

Apples (1kg)

$9.16 BMD 9.16

$5.02 $5.02

82.47%

Banana (1kg)

$6.81 BMD 6.81

$2.33 $2.33

192.27%

Oranges (1kg)

$7.29 BMD 7.29

$4.73 $4.73

54.12%

Tomato (1kg)

$8.51 BMD 8.51

$5.55 $5.55

53.33%

Potato (1kg)

$5.74 BMD 5.74

$3.06 $3.06

87.58%

Onion (1kg)

$4.10 BMD 4.10

$3.14 $3.14

30.57%

Lettuce (1 head)

$6.21 BMD 6.21

$2.08 $2.08

198.56%

Water (1.5 liter bottle)

$3.39 BMD 3.39

$2.62 $2.62

29.39%

Cigarettes 20 Pack (Marlboro, Camel)

$18.09 BMD 18.09

$12.92 $12.92

40.02%

Wine (Bottle)

$23.57 BMD 23.57

$14.89 $14.89

58.29%

Local Beer (0.5 liter bottle)

$5.09 BMD 5.09

$2.46 $2.46

106.91%

Imported Beer (0.33 liter bottle)

$4.28 BMD 4.28

$3.06 $3.06

39.87%

One-way Ticket (Public Transport)

$1.97 $1.97

Public Transport Monthly Pass (Regular Price)

$130 BMD 130

$40.40 $40.40

220.69%

Taxi Start (Normal Tariff)

$6.32 BMD 6.32

$3.13 $3.13

101.92%

Taxi (Normal Tariff) (1km)

$2.50 BMD 2.50

$1.84 $1.84

35.87%

Taxi 1hour Waiting (Normal Tariff)

$69.1 BMD 69.1

$32.67 $32.67

111.36%

Gasoline (1 liter)

$2.34 BMD 2.34

$1.46 $1.46

60.27%

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

$37.5K BMD 37.5K

$36.8K $36.8K

1.84%

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

$43.1K BMD 43.1K

$26.5K $26.5K

62.58%

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

$289 BMD 289

$256 $256

12.84%

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

$149 BMD 149

$53.2 $53.2

179.22%

Internet (50+ Mbps, Unlimited Data)

$158 BMD 158

$72.2 $72.2

118.11%

Gym Membership (Monthly)

$79.2 BMD 79.2

$59.3 $59.3

33.49%

Tennis Court (1 Hour on Weekend)

$25.36 $25.36

Cinema Ticket

$13.74 BMD 13.74

$19.95 $19.95

-31.13%

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

$1,335 BMD 1,335

$1,694 $1,694

-21.19%

International Primary School, 1 Child (Yearly)

$24.6K BMD 24.6K

$15.1K $15.1K

63.26%

Jeans (Levis 501 Or Similar)

$90.7 BMD 90.7

$64.5 $64.5

40.56%

Summer Dress (H&M, Zara, etc)

$71.1 BMD 71.1

$63.7 $63.7

11.66%

Sport Shoes (Adidas, Nike)

$142 BMD 142

$107 $107

33.15%

Men's Leather Business Shoes

$130 BMD 130

$192 $192

-32.28%

1-bedroom Apartment, City Center (Monthly)

$3,769 BMD 3,769

$2,612 $2,612

44.29%

1-bedroom Apartment, Outside City Center (Monthly)

$1,941 $1,941

3-bedroom Apartment, City Center (Monthly)

$4,298 $4,298

3-bedroom Apartment, Outside City Center (Monthly)

$3,426 $3,426

Buy Apartment in City Center (m2)

$7,546 $7,546

Buy Apartment Outside City Center (m2)

$6,336 $6,336

Average Monthly Net Salary (After Tax)

$8,112 BMD 8,112

$5,675 $5,675

42.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

6.39

35.05%

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

Last update for Pembroke: October 12, 2026

Last update for Torrance, CA: October 13, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$750 31.4%

Torrance, CA

$461 13.1% 38.5% $289

Monthly Utilities & Internet

Pembroke

$595 24.9%

Torrance, CA

$381 10.8% 35.9% $214

Eating Out

Pembroke

$592 24.8%

Torrance, CA

$384 10.9% 35% $207

Clothing & Footwear

Pembroke

$195 8.2%

Torrance, CA

$192 5.5% 1.6% $3.1

Getting Around

Pembroke

$148 * 6.2%

Torrance, CA

$61 1.7% 59.2% $88

Sport & Entertainment

Pembroke

$107 4.5%

Torrance, CA

$99 2.8% 7% $7.5

Accommodation & Living

Pembroke

- * 0%

Torrance, CA

$1.9K 55.1%

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 $3,769 in Pembroke and $2,612 in Torrance, CA. Housing cost is often the main lever when comparing two cities.

Pembroke pays 43% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $148 in Pembroke vs $79.0 in Torrance, CA for a mid-range dinner for two. Groceries echo the gap at $750 vs $461 per month, with Torrance, CA cheaper across the board.

Good to know

🇧🇲 Pembroke

🇺🇸 Torrance, CA

🕒 Local time

17:30 5:30 PM

13:30 1:30 PM

4 h behind Pembroke

🌤 Weather

👥 Population

11,160

142,350

💱 Currency

Bermudian Dollar BMD $

United States Dollar USD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of October 18, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to BMD in detail →

On the map

Lowest

Highest

Between locations

Pembroke Torrance, CA 4,940 km ≈ 7 h nonstop flight

From you

Pembroke
Torrance, CA

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 Torrance, CA: Cost of Living - Frequently Asked Questions

Pembroke and Torrance, CA differ by about 47% in total monthly costs ($2,387 vs $3,520 including rent). Pembroke is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 43% 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: $3,769 in Pembroke versus $2,612 in Torrance, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,335 in Pembroke versus $1,694 in Torrance, CA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Torrance, CA pay roughly 63% 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 $2,387 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pembroke hard to pass up.

Safety-wise, Pembroke and Torrance, CA 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 47% less than in Torrance, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.