Last update: Nov 2026

Cost of Living Comparison Between Santiago and Pembroke

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.

55

Cost of Living Index in Santiago
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Santiago Living Index
111

Cost of Living Index in Pembroke
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Pembroke Living Index

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Santiago

🇨🇱 Chile

$1,144

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Santiago and in Pembroke

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Santiago and in Pembroke actually costs, broken down by who's living it.

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

Santiago $1,144
Pembroke $2,331

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

Santiago $1,851
Pembroke $3,800

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

Santiago $2,558
Pembroke $5,269

Living in Santiago costs roughly 51% less than in Pembroke, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$10.15 CLP 9,923

$42.77 BMD 42.77

-76.27%

Three-Course Dinner for Two, Mid-Range

$51.7 CLP 50.5K

$153 BMD 153

-66.17%

Fast Food Meal (McDonalds, etc)

$8.93 CLP 8,731

$17.73 BMD 17.73

-49.63%

Cappuccino

$3.19 CLP 3,124

$4.44 BMD 4.44

-28.15%

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

$1.66 CLP 1,622

$2.96 BMD 2.96

-43.92%

Water (0.33 liter bottle)

$1.27 CLP 1,240

$3.18 BMD 3.18

-60.06%

Local Beer (0.5 liter draught)

$3.98 CLP 3,895

$7.60 BMD 7.60

-47.63%

Imported Beer (0.33 liter bottle)

$4.69 CLP 4,590

$8.94 BMD 8.94

-47.54%

Milk (1 liter)

$1.27 CLP 1,241

$4.96 BMD 4.96

-74.40%

White Bread (500g)

$1.85 CLP 1,813

$8.07 BMD 8.07

-77.08%

Rice (white) (1kg)

$1.66 CLP 1,623

$5.51 BMD 5.51

-69.87%

Eggs

$4.19 CLP 4,097

$7.08 BMD 7.08

-40.82%

Local Cheese (1kg)

$11.13 CLP 10.9K

$23.60 BMD 23.60

-52.84%

Chicken Fillets (1kg)

$6.96 CLP 6,809

$21.13 BMD 21.13

-67.06%

Beef Round Steak (1kg)

$10.68 CLP 10.4K

$19.75 BMD 19.75

-45.92%

Apples (1kg)

$2.00 CLP 1,958

$9.11 BMD 9.11

-78.05%

Banana (1kg)

$1.56 CLP 1,523

$6.57 BMD 6.57

-76.26%

Oranges (1kg)

$1.63 CLP 1,597

$7.16 BMD 7.16

-77.23%

Tomato (1kg)

$1.76 CLP 1,717

$8.45 BMD 8.45

-79.17%

Potato (1kg)

$1.13 CLP 1,106

$5.74 BMD 5.74

-80.31%

Onion (1kg)

$1.55 CLP 1,515

$4.07 BMD 4.07

-61.92%

Lettuce (1 head)

$1.26 CLP 1,235

$6.38 BMD 6.38

-80.25%

Water (1.5 liter bottle)

$1.08 CLP 1,057

$3.52 BMD 3.52

-69.32%

Cigarettes 20 Pack (Marlboro, Camel)

$5.22 CLP 5,105

$17.81 BMD 17.81

-70.69%

Wine (Bottle)

$5.87 CLP 5,736

$23.75 BMD 23.75

-75.28%

Local Beer (0.5 liter bottle)

$1.48 CLP 1,451

$5.26 BMD 5.26

-71.86%

Imported Beer (0.33 liter bottle)

$2.36 CLP 2,309

$4.25 BMD 4.25

-44.47%

One-way Ticket (Public Transport)

$0.81 CLP 791

Public Transport Monthly Pass (Regular Price)

$41.61 CLP 40.7K

$131 BMD 131

-68.29%

Taxi Start (Normal Tariff)

$0.39 CLP 382

$6.43 BMD 6.43

-93.93%

Taxi (Normal Tariff) (1km)

$0.87 CLP 847

$2.52 BMD 2.52

-65.48%

Taxi 1hour Waiting (Normal Tariff)

$11.52 CLP 11.3K

$69.7 BMD 69.7

-83.48%

Gasoline (1 liter)

$1.50 CLP 1,468

$2.35 BMD 2.35

-36.17%

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

$16.7K CLP 16.4M

$37.0K BMD 37.0K

-54.75%

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

$25.5K CLP 24.9M

$42.0K BMD 42.0K

-39.41%

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

$148 CLP 144.8K

$293 BMD 293

-49.40%

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

$12.00 CLP 11.7K

$150 BMD 150

-92.02%

Internet (50+ Mbps, Unlimited Data)

$18.81 CLP 18.4K

$162 BMD 162

-88.36%

Gym Membership (Monthly)

$32.43 CLP 31.7K

$79.2 BMD 79.2

-59.07%

Tennis Court (1 Hour on Weekend)

$11.82 CLP 11.6K

Cinema Ticket

$7.80 CLP 7,625

$13.31 BMD 13.31

-41.40%

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

$449 CLP 438.7K

$1,338 BMD 1,338

-66.46%

International Primary School, 1 Child (Yearly)

$13.3K CLP 13.0M

$27.0K BMD 27.0K

-50.62%

Jeans (Levis 501 Or Similar)

$50.7 CLP 49.6K

$88.3 BMD 88.3

-42.57%

Summer Dress (H&M, Zara, etc)

$28.88 CLP 28.2K

$68.7 BMD 68.7

-57.94%

Sport Shoes (Adidas, Nike)

$65.5 CLP 64.1K

$144 BMD 144

-54.39%

Men's Leather Business Shoes

$79.8 CLP 78.1K

$130 BMD 130

-38.65%

1-bedroom Apartment, City Center (Monthly)

$522 CLP 510.6K

$3,706 BMD 3,706

-85.91%

1-bedroom Apartment, Outside City Center (Monthly)

$341 CLP 333.5K

3-bedroom Apartment, City Center (Monthly)

$1,036 CLP 1.0M

3-bedroom Apartment, Outside City Center (Monthly)

$745 CLP 728.8K

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)

$826 CLP 807.9K

$7,856 BMD 7,856

-89.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.31

8.63

-38.47%

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

Last update for Santiago: November 2, 2026

Last update for Pembroke: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Santiago

$341 29.8%

Pembroke

- * 0% 100%

Groceries & Markets

Santiago

$238 20.8%

Pembroke

$748 32.1% 214% $510

Eating Out

Santiago

$187 16.4%

Pembroke

$529 22.7% 182% $342

Monthly Utilities & Internet

Santiago

$179 15.6%

Pembroke

$605 25.9% 238% $426

Clothing & Footwear

Santiago

$101 8.9%

Pembroke

$194 8.3% 91.5% $93

Getting Around

Santiago

$50 4.3%

Pembroke

$150 * 6.4% 203% $101

Sport & Entertainment

Santiago

$48 4.2%

Pembroke

$106 4.5% 120% $58

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 $522 in Santiago and $3,706 in Pembroke. 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: $52 in Santiago vs $153 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $238 vs $748 per month, with Santiago cheaper across the board.

Good to know

🇨🇱 Santiago

🇧🇲 Pembroke

🕒 Local time

07:14 7:14 AM

06:14 6:14 AM

1 h behind Santiago

🌤 Weather

👥 Population

6,139,087 Capital

11,160

💱 Currency

Chilean Peso CLP $

Bermudian Dollar BMD $

📈 Exchange rate

10,000 CLP = 10.23 USD

10,000 CLP = 9.11 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

BMD, USD, EUR to CLP – Chilean Peso Converter

🇺🇸 United States Dollar ($)

🇨🇱 Chilean Peso ($)

Chilean Peso exchange rates as of November 6, 2026: 1 USD = 978 CLP (1,000 CLP = 1.02 USD). 1 EUR = 1,098 CLP (10,000 CLP = 9.11 EUR).

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).

USD to CLP in detail →

On the map

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Highest

Between locations

Santiago Pembroke 7,340 km ≈ 10 h nonstop flight

From you

Santiago
Pembroke

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

Santiago vs Pembroke: 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.

On paper, salaries run 89% lower in Santiago. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $522 in Santiago versus $3,706 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $449 in Santiago versus $1,338 in Pembroke. 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.