Last update: Oct 2026

Cost of Living Comparison Between Toronto and Pembroke

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.

125

Cost of Living Index in Toronto
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Toronto Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,355

/mo nomad

Monthly Cost of Living

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

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

Toronto $2,530
Pembroke $2,355

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

Toronto $3,646
Pembroke $3,881

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

Toronto $4,761
Pembroke $5,406

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

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

Meal at Budget Restaurant

$17.67 CA$25.19

$50.6 BMD 50.6

-65.06%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$151 BMD 151

-48.78%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$16.82 BMD 16.82

-37.75%

Cappuccino

$4.08 CA$5.81

$4.45 BMD 4.45

-8.31%

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

$2.12 CA$3.02

$2.98 BMD 2.98

-28.86%

Water (0.33 liter bottle)

$1.76 CA$2.51

$3.18 BMD 3.18

-44.65%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$7.66 BMD 7.66

-19.45%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$9.09 BMD 9.09

-24.20%

Milk (1 liter)

$2.43 CA$3.46

$4.82 BMD 4.82

-49.59%

White Bread (500g)

$2.75 CA$3.92

$7.95 BMD 7.95

-65.41%

Rice (white) (1kg)

$2.23 CA$3.18

$5.57 BMD 5.57

-59.96%

Eggs

$3.45 CA$4.91

$7.35 BMD 7.35

-53.06%

Local Cheese (1kg)

$8.93 CA$12.73

$23.15 BMD 23.15

-61.43%

Chicken Fillets (1kg)

$11.44 CA$16.31

$21.62 BMD 21.62

-47.09%

Beef Round Steak (1kg)

$14.61 CA$20.83

$19.72 BMD 19.72

-25.91%

Apples (1kg)

$3.75 CA$5.34

$8.94 BMD 8.94

-58.05%

Banana (1kg)

$1.15 CA$1.64

$6.69 BMD 6.69

-82.81%

Oranges (1kg)

$3.55 CA$5.06

$7.01 BMD 7.01

-49.36%

Tomato (1kg)

$4.28 CA$6.10

$8.56 BMD 8.56

-50.00%

Potato (1kg)

$1.85 CA$2.63

$5.81 BMD 5.81

-68.16%

Onion (1kg)

$1.67 CA$2.38

$4.12 BMD 4.12

-59.47%

Lettuce (1 head)

$2.22 CA$3.16

$6.22 BMD 6.22

-64.31%

Water (1.5 liter bottle)

$1.21 CA$1.72

$3.56 BMD 3.56

-66.01%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$17.84 BMD 17.84

-22.20%

Wine (Bottle)

$14.25 CA$20.31

$24.41 BMD 24.41

-41.62%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$5.32 BMD 5.32

-58.65%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$4.27 BMD 4.27

-43.33%

One-way Ticket (Public Transport)

$2.42 CA$3.44

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$129 BMD 129

-14.01%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$6.69 BMD 6.69

-56.65%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$2.43 BMD 2.43

-48.15%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$69.1 BMD 69.1

-68.12%

Gasoline (1 liter)

$1.22 CA$1.74

$2.42 BMD 2.42

-49.59%

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

$27.6K CA$39.4K

$36.8K BMD 36.8K

-24.91%

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

$19.8K CA$28.3K

$43.5K BMD 43.5K

-54.45%

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

$122 CA$174

$286 BMD 286

-57.33%

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

$32.03 CA$45.66

$151 BMD 151

-78.72%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$161 BMD 161

-70.20%

Gym Membership (Monthly)

$38.90 CA$55.5

$80.2 BMD 80.2

-51.50%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$12.61 CA$17.97

$13.32 BMD 13.32

-5.33%

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

$834 CA$1,189

$1,324 BMD 1,324

-37.03%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$24.7K BMD 24.7K

-5.41%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$90.5 BMD 90.5

-41.87%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$71.2 BMD 71.2

-43.42%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$141 BMD 141

-31.59%

Men's Leather Business Shoes

$123 CA$175

$128 BMD 128

-3.91%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$3,765 BMD 3,765

-57.55%

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)

$3,743 CA$5,335

$7,935 BMD 7,935

-52.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

8.63

-48.20%

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

Last update for Toronto: October 4, 2026

Last update for Pembroke: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Pembroke

- * 0% 100%

Groceries & Markets

Toronto

$340 13.1%

Pembroke

$749 31.4% 120% $409

Eating Out

Toronto

$282 10.9%

Pembroke

$590 24.7% 109% $308

Monthly Utilities & Internet

Toronto

$202 7.8%

Pembroke

$597 25% 196% $395

Clothing & Footwear

Toronto

$140 5.4%

Pembroke

$194 8.1% 37.9% $53

Getting Around

Toronto

$130 5%

Pembroke

$148 * 6.2% 13.9% $18

Sport & Entertainment

Toronto

$64 2.5%

Pembroke

$107 4.5% 66.7% $43

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 $1,598 in Toronto and $3,765 in Pembroke. 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: $77.0 in Toronto vs $151 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $340 vs $749 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇧🇲 Pembroke

🕒 Local time

04:48 4:48 AM

05:48 5:48 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

11,160

💱 Currency

Canadian Dollar CAD $

Bermudian Dollar BMD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 BMD = 1 USD

1 BMD = 0.892 EUR

Exchange rates and currency converter

BMD, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

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).

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).

USD to CAD in detail →

On the map

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Between locations

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

From you

Toronto
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

Toronto vs Pembroke: Cost of Living - Frequently Asked Questions

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

On paper, salaries run 112% lower in Pembroke. 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: $1,598 in Toronto versus $3,765 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $834 in Toronto versus $1,324 in Pembroke. 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, Toronto and Pembroke 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.