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: $3,619 in Torrance, CA versus $2,356 in Pembroke.

Estimated couple costs with rent: $5,552 in Torrance, CA versus $3,897 in Pembroke.

Monthly costs for a family of three with rent: $7,485 in Torrance, CA versus $5,439 in Pembroke.

Living in Torrance, CA is roughly 54% more expensive than Pembroke, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Torrance, CA 170% above, Pembroke 76% above.

Meal at Budget Restaurant

$20.37 $20.37

$60.1 BMD 60.1

-66.08%

Three-Course Dinner for Two, Mid-Range

$86.5 $86.5

$152 BMD 152

-43.12%

Fast Food Meal (McDonalds, etc)

$14.09 $14.09

$14.72 BMD 14.72

-4.28%

Cappuccino

$5.64 $5.64

$4.54 BMD 4.54

24.23%

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

$2.88 $2.88

$3.51 BMD 3.51

-17.95%

Water (0.33 liter bottle)

$2.10 $2.10

$2.97 BMD 2.97

-29.29%

Local Beer (0.5 liter draught)

$7.95 $7.95

$8.22 BMD 8.22

-3.28%

Imported Beer (0.33 liter bottle)

$10.02 $10.02

$8.73 BMD 8.73

14.78%

Milk (1 liter)

$1.19 $1.19

$4.34 BMD 4.34

-72.58%

White Bread (500g)

$4.27 $4.27

$8.66 BMD 8.66

-50.69%

Rice (white) (1kg)

$5.98 $5.98

$5.61 BMD 5.61

6.60%

Eggs

$6.94 $6.94

$7.39 BMD 7.39

-6.09%

Local Cheese (1kg)

$12.61 $12.61

$11.75 BMD 11.75

7.32%

Chicken Fillets (1kg)

$17.24 $17.24

$24.61 BMD 24.61

-29.95%

Beef Round Steak (1kg)

$16.22 $16.22

$32.66 BMD 32.66

-50.34%

Apples (1kg)

$6.19 $6.19

$10.52 BMD 10.52

-41.16%

Banana (1kg)

$1.97 $1.97

$6.32 BMD 6.32

-68.83%

Oranges (1kg)

$4.17 $4.17

$12.69 BMD 12.69

-67.14%

Tomato (1kg)

$4.84 $4.84

$11.37 BMD 11.37

-57.43%

Potato (1kg)

$3.59 $3.59

$8.44 BMD 8.44

-57.46%

Onion (1kg)

$3.20 $3.20

$5.17 BMD 5.17

-38.10%

Lettuce (1 head)

$1.83 $1.83

$5.87 BMD 5.87

-68.82%

Water (1.5 liter bottle)

$2.24 $2.24

$3.27 BMD 3.27

-31.50%

Cigarettes 20 Pack (Marlboro, Camel)

$11.67 $11.67

$17.65 BMD 17.65

-33.88%

Wine (Bottle)

$15.28 $15.28

$24.90 BMD 24.90

-38.63%

Local Beer (0.5 liter bottle)

$2.51 $2.51

$5.33 BMD 5.33

-52.91%

Imported Beer (0.33 liter bottle)

$3.15 $3.15

$4.37 BMD 4.37

-27.92%

One-way Ticket (Public Transport)

$1.70 $1.70

$3.89 BMD 3.89

-56.30%

Public Transport Monthly Pass (Regular Price)

$44.41 $44.41

$69.0 BMD 69.0

-35.62%

Taxi Start (Normal Tariff)

$3.08 $3.08

$6.13 BMD 6.13

-49.76%

Taxi (Normal Tariff) (1km)

$1.75 $1.75

Taxi 1hour Waiting (Normal Tariff)

$29.48 $29.48

$53.2 BMD 53.2

-44.61%

Gasoline (1 liter)

$1.28 $1.28

$2.39 BMD 2.39

-46.44%

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

$31.9K $31.9K

$35.0K BMD 35.0K

-8.97%

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

$26.8K $26.8K

$39.1K BMD 39.1K

-31.47%

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

$279 $279

$235 BMD 235

18.64%

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

$65.7 $65.7

$117 BMD 117

-43.77%

Internet (50+ Mbps, Unlimited Data)

$61.4 $61.4

$159 BMD 159

-61.36%

Gym Membership (Monthly)

$49.85 $49.85

$80.7 BMD 80.7

-38.22%

Cinema Ticket

$14.09 $14.09

$13.70 BMD 13.70

2.85%

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

$1,801 $1,801

$1,333 BMD 1,333

35.10%

International Primary School, 1 Child (Yearly)

$15.3K $15.3K

$24.0K BMD 24.0K

-36.43%

Jeans (Levis 501 Or Similar)

$61.7 $61.7

$80.6 BMD 80.6

-23.43%

Summer Dress (H&M, Zara, etc)

$46.04 $46.04

$58.8 BMD 58.8

-21.75%

Sport Shoes (Adidas, Nike)

$100 $100

$136 BMD 136

-25.96%

Men's Leather Business Shoes

$150 $150

$128 BMD 128

17.97%

1-bedroom Apartment, City Center (Monthly)

$2,790 $2,790

$3,708 BMD 3,708

-24.76%

1-bedroom Apartment, Outside City Center (Monthly)

$2,062 $2,062

3-bedroom Apartment, City Center (Monthly)

$4,086 $4,086

3-bedroom Apartment, Outside City Center (Monthly)

$4,089 $4,089

Buy Apartment in City Center (m2)

$7,538 $7,538

$5,624 BMD 5,624

34.02%

Buy Apartment Outside City Center (m2)

$6,487 $6,487

Average Monthly Net Salary (After Tax)

$5,773 $5,773

$7,856 BMD 7,856

-26.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.58

7.22

-8.86%

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

Last update for Torrance, CA: June 1, 2026

Last update for Pembroke: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,790 in Torrance, CA and $3,708 in Pembroke. Housing cost is often the main lever when comparing two cities.

Pembroke pays 36% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $87.0 in Torrance, CA vs $152 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $463 vs $820 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

Torrance, CA and Pembroke differ by about 54% in total monthly costs ($3,619 vs $2,356 including rent). Pembroke is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Pembroke earns 36% 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: $2,790 in Torrance, CA versus $3,708 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,801 in Torrance, CA versus $1,333 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 77% 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 $2,356 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 54% less than in Torrance, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.