Cost of Living Comparison Between Torrance, CA and Pembroke Cost of Living Comparison Between Torrance, CA and Pembroke

Monthly Cost of Living

Monthly costs for one person with rent: $3,590 in Torrance, CA versus $2,436 in Pembroke.

Estimated couple costs with rent: $5,396 in Torrance, CA versus $3,946 in Pembroke.

Monthly costs for a family of three with rent: $7,203 in Torrance, CA versus $5,457 in Pembroke.

Living in Torrance, CA is roughly 47% more expensive than in Pembroke, driven mainly by Groceries & Markets.

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

Meal at Budget Restaurant

$24.86 $24.86

$55.7 BMD 55.7

-55.38%

Three-Course Dinner for Two, Mid-Range

$102 $102

$152 BMD 152

-33.01%

Fast Food Meal (McDonalds, etc)

$15.29 $15.29

$17.16 BMD 17.16

-10.90%

Cappuccino

$5.65 $5.65

$4.46 BMD 4.46

26.68%

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

$3.76 $3.76

$3.04 BMD 3.04

23.68%

Water (0.33 liter bottle)

$2.89 $2.89

$3.21 BMD 3.21

-9.97%

Local Beer (0.5 liter draught)

$8.12 $8.12

$7.33 BMD 7.33

10.78%

Imported Beer (0.33 liter bottle)

$10.08 $10.08

$8.91 BMD 8.91

13.13%

Milk (1 liter)

$1.38 $1.38

$4.54 BMD 4.54

-69.60%

White Bread (500g)

$5.03 $5.03

$8.40 BMD 8.40

-40.12%

Rice (white) (1kg)

$5.00 $5.00

$5.72 BMD 5.72

-12.59%

Eggs

$5.82 $5.82

$7.39 BMD 7.39

-21.24%

Local Cheese (1kg)

$17.25 $17.25

$18.35 BMD 18.35

-5.99%

Chicken Fillets (1kg)

$15.64 $15.64

$22.86 BMD 22.86

-31.58%

Beef Round Steak (1kg)

$19.68 $19.68

$26.94 BMD 26.94

-26.95%

Apples (1kg)

$5.51 $5.51

$12.56 BMD 12.56

-56.13%

Banana (1kg)

$2.47 $2.47

$6.78 BMD 6.78

-63.57%

Oranges (1kg)

$5.13 $5.13

$7.04 BMD 7.04

-27.13%

Tomato (1kg)

$5.78 $5.78

$4.07 BMD 4.07

42.01%

Potato (1kg)

$3.34 $3.34

$6.82 BMD 6.82

-51.03%

Onion (1kg)

$2.94 $2.94

$3.12 BMD 3.12

-5.77%

Lettuce (1 head)

$2.08 $2.08

$6.50 BMD 6.50

-68.00%

Water (1.5 liter bottle)

$2.55 $2.55

$3.49 BMD 3.49

-26.93%

Cigarettes 20 Pack (Marlboro, Camel)

$12.81 $12.81

$17.50 BMD 17.50

-26.80%

Wine (Bottle)

$14.91 $14.91

$25.30 BMD 25.30

-41.07%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$5.13 BMD 5.13

-51.66%

Imported Beer (0.33 liter bottle)

$2.96 $2.96

$4.41 BMD 4.41

-32.88%

One-way Ticket (Public Transport)

$2.03 $2.03

Public Transport Monthly Pass (Regular Price)

$39.52 $39.52

$131 BMD 131

-69.88%

Taxi Start (Normal Tariff)

$3.12 $3.12

$6.64 BMD 6.64

-53.01%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$2.55 BMD 2.55

-17.25%

Taxi 1hour Waiting (Normal Tariff)

$31.81 $31.81

$70.8 BMD 70.8

-55.07%

Gasoline (1 liter)

$1.46 $1.46

$2.46 BMD 2.46

-40.65%

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

$37.3K $37.3K

$38.1K BMD 38.1K

-2.22%

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

$26.7K $26.7K

$43.2K BMD 43.2K

-38.22%

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

$260 $260

$256 BMD 256

1.77%

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

$75.6 $75.6

$149 BMD 149

-49.28%

Internet (50+ Mbps, Unlimited Data)

$80.3 $80.3

$159 BMD 159

-49.52%

Gym Membership (Monthly)

$57.3 $57.3

$79.1 BMD 79.1

-27.52%

Tennis Court (1 Hour on Weekend)

$24.83 $24.83

Cinema Ticket

$19.44 $19.44

$13.71 BMD 13.71

41.79%

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

$1,945 $1,945

$1,332 BMD 1,332

46.00%

International Primary School, 1 Child (Yearly)

$31.6K $31.6K

$25.1K BMD 25.1K

25.98%

Jeans (Levis 501 Or Similar)

$70.0 $70.0

$89.2 BMD 89.2

-21.48%

Summer Dress (H&M, Zara, etc)

$62.4 $62.4

$70.1 BMD 70.1

-10.97%

Sport Shoes (Adidas, Nike)

$114 $114

$145 BMD 145

-21.08%

Men's Leather Business Shoes

$197 $197

$128 BMD 128

54.22%

1-bedroom Apartment, City Center (Monthly)

$2,586 $2,586

$3,767 BMD 3,767

-31.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,997 $1,997

3-bedroom Apartment, City Center (Monthly)

$4,291 $4,291

3-bedroom Apartment, Outside City Center (Monthly)

$3,461 $3,461

Buy Apartment in City Center (m2)

$7,462 $7,462

Buy Apartment Outside City Center (m2)

$6,395 $6,395

Average Monthly Net Salary (After Tax)

$5,716 $5,716

$7,937 BMD 7,937

-27.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

8.63

-25.61%

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

Last update for Torrance, CA: August 30, 2026

Last update for Pembroke: September 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,586 in Torrance, CA and $3,767 in Pembroke. Housing cost is often the main lever when comparing two cities.

Pembroke pays 39% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $102 in Torrance, CA vs $152 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $491 vs $764 per month, with Torrance, CA cheaper across the board.

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

Torrance, CA vs Pembroke: Cost of Living - Frequently Asked Questions

Pembroke wins on cost – living expenses run 47% lower than in Torrance, CA. Housing and daily spending are where you'll feel the difference most, making Pembroke the obvious pick if budget is a priority.

On paper, salaries run 39% 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: $2,586 in Torrance, CA versus $3,767 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,945 in Torrance, CA versus $1,332 in Pembroke. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Torrance, CA pay roughly 56% 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 $2,436 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pembroke hard to pass up.

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