Cost of Living Comparison Between St Thomas and Monaco Cost of Living Comparison Between St Thomas and Monaco

Monthly Cost of Living

Monthly costs for one person with rent: $4,337 in St Thomas versus $11.0K in Monaco.

Estimated couple costs with rent: $7,106 in St Thomas versus $11.8K in Monaco.

Monthly costs for a family of three with rent: $9,874 in St Thomas versus $12.6K in Monaco.

Living in St Thomas costs roughly 61% less than in Monaco, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: St Thomas 224% above, Monaco 720% above.

Meal at Budget Restaurant

$20.08 $20.08

$22.73 €19.55

-11.66%

Three-Course Dinner for Two, Mid-Range

$159 $159

$202 €174

-21.58%

Fast Food Meal (McDonalds, etc)

$11.80 $11.80

$11.99 €10.31

-1.58%

Cappuccino

$7.16 $7.16

$5.08 €4.37

40.94%

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

$4.02 $4.02

$5.78 €4.98

-30.45%

Water (0.33 liter bottle)

$3.38 $3.38

$4.60 €3.96

-26.52%

Local Beer (0.5 liter draught)

$6.62 $6.62

$10.01 €8.61

-33.87%

Imported Beer (0.33 liter bottle)

$9.82 $9.82

$8.03 €6.90

22.29%

Milk (1 liter)

$2.46 $2.46

$1.81 €1.55

35.91%

White Bread (500g)

$6.71 $6.71

$4.17 €3.59

60.91%

Rice (white) (1kg)

$18.52 $18.52

$3.44 €2.96

438.37%

Eggs

$8.76 $8.76

$4.74 €4.08

84.81%

Local Cheese (1kg)

$11.30 $11.30

$17.09 €14.70

-33.88%

Chicken Fillets (1kg)

$32.42 $32.42

$17.40 €14.97

86.32%

Beef Round Steak (1kg)

$40.30 $40.30

$16.66 €14.33

141.90%

Apples (1kg)

$11.90 $11.90

$2.66 €2.29

347.37%

Banana (1kg)

$11.06 $11.06

$2.91 €2.51

280.07%

Oranges (1kg)

$12.25 $12.25

$2.77 €2.39

342.24%

Tomato (1kg)

$19.63 $19.63

$4.64 €3.99

323.06%

Potato (1kg)

$1.94 $1.94

$2.49 €2.15

-22.09%

Onion (1kg)

$8.81 $8.81

$2.76 €2.37

219.20%

Lettuce (1 head)

$7.93 $7.93

$1.97 €1.70

302.54%

Water (1.5 liter bottle)

$5.92 $5.92

$7.93 €6.82

-25.35%

Cigarettes 20 Pack (Marlboro, Camel)

$14.75 €12.69

Wine (Bottle)

$25.03 $25.03

$8.21 €7.06

204.87%

Local Beer (0.5 liter bottle)

$1.61 €1.39

Imported Beer (0.33 liter bottle)

$5.86 $5.86

$5.07 €4.36

15.58%

One-way Ticket (Public Transport)

$2.01 $2.01

$2.19 €1.89

-8.22%

Public Transport Monthly Pass (Regular Price)

$60.9 $60.9

$25.60 €22.02

137.97%

Taxi Start (Normal Tariff)

$19.88 $19.88

$7.78 €6.69

155.53%

Taxi (Normal Tariff) (1km)

$3.08 $3.08

$1.65 €1.42

86.67%

Taxi 1hour Waiting (Normal Tariff)

$93.4 €80.3

Gasoline (1 liter)

$1.33 $1.33

$2.40 €2.06

-44.58%

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

$55.5K $55.5K

$50.2K €43.2K

10.50%

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

$38.2K $38.2K

$40.5K €34.9K

-5.83%

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

$392 $392

$332 €285

18.18%

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

$99.3 $99.3

$47.82 €41.14

107.55%

Internet (50+ Mbps, Unlimited Data)

$129 $129

$65.6 €56.4

96.26%

Gym Membership (Monthly)

$125 $125

$547 €470

-77.11%

Tennis Court (1 Hour on Weekend)

$46.84 €40.29

Cinema Ticket

$12.03 $12.03

$13.74 €11.82

-12.45%

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

$1,497 $1,497

$2,280 €1,961

-34.35%

International Primary School, 1 Child (Yearly)

$22.0K $22.0K

$46.9K €40.3K

-53.13%

Jeans (Levis 501 Or Similar)

$115 $115

$173 €149

-33.40%

Summer Dress (H&M, Zara, etc)

$151 $151

$68.5 €59.0

121.00%

Sport Shoes (Adidas, Nike)

$204 $204

$199 €171

2.21%

Men's Leather Business Shoes

$150 $150

$689 €592

-78.21%

1-bedroom Apartment, City Center (Monthly)

$1,443 $1,443

$8,692 €7,477

-83.40%

1-bedroom Apartment, Outside City Center (Monthly)

$1,781 $1,781

$8,261 €7,107

-78.45%

3-bedroom Apartment, City Center (Monthly)

$3,252 $3,252

$42.5K €36.6K

-92.35%

3-bedroom Apartment, Outside City Center (Monthly)

$4,334 $4,334

$6,853 €5,895

-36.76%

Buy Apartment in City Center (m2)

$4,872 $4,872

$73.7K €63.4K

-93.39%

Buy Apartment Outside City Center (m2)

$10.8K $10.8K

$57.1K €49.1K

-81.11%

Average Monthly Net Salary (After Tax)

$2,806 $2,806

$9,390 €8,078

-70.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

3.25

190.77%

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

Last update for St Thomas: May 31, 2026

Last update for Monaco: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,443 in St Thomas and $8,692 in Monaco. Housing cost is often the main lever when comparing two cities.

Monaco pays 235% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $159 in St Thomas vs $202 in Monaco. Groceries flip the comparison at $979 vs $497, with Monaco cheaper for home cooking.

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

St Thomas vs Monaco: Cost of Living - Frequently Asked Questions

St Thomas and Monaco differ by about 153% in total monthly costs ($4,337 vs $11.0K including rent). St Thomas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Monaco earns 235% less. 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: $1,443 in St Thomas versus $8,692 in Monaco. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in St Thomas – a meal for two runs $159 versus $202 in Monaco. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $4,337 per month in St Thomas versus $11.0K in Monaco – a 153% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $5,000. St Thomas is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Safety-wise, St Thomas and Monaco 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 St Thomas gentler on the wallet – expenses run 153% less than in Monaco. Beyond cost, consider language, visa policies, and how big the international community is in each city.