Last update: Nov 2026

Cost of Living Comparison Between Sao Paulo and Pembroke

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.

54

Cost of Living Index in Sao Paulo
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Sao Paulo Living Index
111

Cost of Living Index in Pembroke
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Pembroke Living Index

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Sao Paulo

🇧🇷 Brazil

$1,137

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Sao Paulo 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 Sao Paulo and in Pembroke actually costs, broken down by who's living it.

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

Sao Paulo $1,137
Pembroke $2,331

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

Sao Paulo $1,898
Pembroke $3,800

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

Sao Paulo $2,660
Pembroke $5,269

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

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

Meal at Budget Restaurant

$8.09 R$44.53

$42.77 BMD 42.77

-81.08%

Three-Course Dinner for Two, Mid-Range

$46.75 R$257

$153 BMD 153

-69.40%

Fast Food Meal (McDonalds, etc)

$8.19 R$45.10

$17.73 BMD 17.73

-53.81%

Cappuccino

$2.34 R$12.90

$4.44 BMD 4.44

-47.30%

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

$1.35 R$7.42

$2.96 BMD 2.96

-54.39%

Water (0.33 liter bottle)

$0.81 R$4.45

$3.18 BMD 3.18

-74.53%

Local Beer (0.5 liter draught)

$2.83 R$15.56

$7.60 BMD 7.60

-62.76%

Imported Beer (0.33 liter bottle)

$4.08 R$22.46

$8.94 BMD 8.94

-54.36%

Milk (1 liter)

$1.10 R$6.08

$4.96 BMD 4.96

-77.82%

White Bread (500g)

$1.73 R$9.54

$8.07 BMD 8.07

-78.56%

Rice (white) (1kg)

$1.47 R$8.11

$5.51 BMD 5.51

-73.32%

Eggs

$2.55 R$14.01

$7.08 BMD 7.08

-63.98%

Local Cheese (1kg)

$11.49 R$63.3

$23.60 BMD 23.60

-51.31%

Chicken Fillets (1kg)

$4.82 R$26.52

$21.13 BMD 21.13

-77.19%

Beef Round Steak (1kg)

$10.03 R$55.2

$19.75 BMD 19.75

-49.22%

Apples (1kg)

$2.41 R$13.25

$9.11 BMD 9.11

-73.55%

Banana (1kg)

$1.60 R$8.81

$6.57 BMD 6.57

-75.65%

Oranges (1kg)

$1.37 R$7.56

$7.16 BMD 7.16

-80.87%

Tomato (1kg)

$1.77 R$9.76

$8.45 BMD 8.45

-79.05%

Potato (1kg)

$1.31 R$7.21

$5.74 BMD 5.74

-77.18%

Onion (1kg)

$1.15 R$6.32

$4.07 BMD 4.07

-71.74%

Lettuce (1 head)

$1.16 R$6.37

$6.38 BMD 6.38

-81.82%

Water (1.5 liter bottle)

$0.87 R$4.80

$3.52 BMD 3.52

-75.28%

Cigarettes 20 Pack (Marlboro, Camel)

$2.70 R$14.87

$17.81 BMD 17.81

-84.84%

Wine (Bottle)

$9.28 R$51.1

$23.75 BMD 23.75

-60.93%

Local Beer (0.5 liter bottle)

$1.62 R$8.93

$5.26 BMD 5.26

-69.20%

Imported Beer (0.33 liter bottle)

$2.39 R$13.18

$4.25 BMD 4.25

-43.76%

One-way Ticket (Public Transport)

$0.96 R$5.27

Public Transport Monthly Pass (Regular Price)

$43.95 R$242

$131 BMD 131

-66.51%

Taxi Start (Normal Tariff)

$1.26 R$6.93

$6.43 BMD 6.43

-80.40%

Taxi (Normal Tariff) (1km)

$0.89 R$4.92

$2.52 BMD 2.52

-64.68%

Taxi 1hour Waiting (Normal Tariff)

$10.10 R$55.6

$69.7 BMD 69.7

-85.52%

Gasoline (1 liter)

$1.18 R$6.47

$2.35 BMD 2.35

-49.79%

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

$21.4K R$118.0K

$37.0K BMD 37.0K

-42.05%

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

$32.3K R$177.8K

$42.0K BMD 42.0K

-23.13%

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

$93.0 R$512

$293 BMD 293

-68.24%

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

$15.28 R$84.1

$150 BMD 150

-89.84%

Internet (50+ Mbps, Unlimited Data)

$19.65 R$108

$162 BMD 162

-87.84%

Gym Membership (Monthly)

$31.16 R$171

$79.2 BMD 79.2

-60.68%

Tennis Court (1 Hour on Weekend)

$47.29 R$260

Cinema Ticket

$9.36 R$51.5

$13.31 BMD 13.31

-29.68%

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

$564 R$3,102

$1,338 BMD 1,338

-57.87%

International Primary School, 1 Child (Yearly)

$25.1K R$138.0K

$27.0K BMD 27.0K

-7.25%

Jeans (Levis 501 Or Similar)

$59.2 R$326

$88.3 BMD 88.3

-32.92%

Summer Dress (H&M, Zara, etc)

$56.0 R$308

$68.7 BMD 68.7

-18.39%

Sport Shoes (Adidas, Nike)

$96.3 R$530

$144 BMD 144

-32.97%

Men's Leather Business Shoes

$86.9 R$479

$130 BMD 130

-33.18%

1-bedroom Apartment, City Center (Monthly)

$602 R$3,313

$3,706 BMD 3,706

-83.76%

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)

$863 R$4,750

$7,856 BMD 7,856

-89.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

11.5

8.63

33.26%

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

Last update for Sao Paulo: 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

Sao Paulo

$401 35.3%

Pembroke

- * 0% 100%

Groceries & Markets

Sao Paulo

$222 19.5%

Pembroke

$748 32.1% 237% $526

Eating Out

Sao Paulo

$148 13.1%

Pembroke

$529 22.7% 257% $381

Clothing & Footwear

Sao Paulo

$134 11.8%

Pembroke

$194 8.3% 44.3% $60

Monthly Utilities & Internet

Sao Paulo

$128 11.3%

Pembroke

$605 25.9% 373% $477

Getting Around

Sao Paulo

$54 4.7%

Pembroke

$150 * 6.4% 181% $97

Sport & Entertainment

Sao Paulo

$50 4.4%

Pembroke

$106 4.5% 112% $56

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 $602 in Sao Paulo and $3,706 in Pembroke. 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: $47 in Sao Paulo vs $153 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $222 vs $748 per month, with Sao Paulo cheaper across the board.

Good to know

🇧🇷 Sao Paulo

🇧🇲 Pembroke

🕒 Local time

13:56 1:56 PM

12:56 12:56 PM

1 h behind Sao Paulo

🌤 Weather

👥 Population

11,451,999

11,160

💱 Currency

Brazilian Real BRL R$

Bermudian Dollar BMD $

📈 Exchange rate

1 BRL = 0.182 USD

1 BRL = 0.162 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

BMD, USD, EUR to BRL – Brazilian Real Converter

🇺🇸 United States Dollar ($)

🇧🇷 Brazilian Real (R$)

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).

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 BRL in detail →

On the map

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Highest

Between locations

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

From you

Sao Paulo
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

Sao Paulo vs Pembroke: 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.

On paper, salaries run 89% lower in Sao Paulo. 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: $602 in Sao Paulo versus $3,706 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $564 in Sao Paulo 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 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.