Last update: Oct 2026

Cost of Living Comparison Between Torrance, CA and Pembroke

For one person, living is cheaper in Pembroke: $2,387 a month against $3,520 in Torrance, CA, rent and utilities included – about $13,600 less a year. Higher rent and utilities in Torrance, CA outweigh lower spending on other living expenses.

172

Cost of Living Index in Torrance, CA
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Torrance, CA Living Index
116

Cost of Living Index in Pembroke
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Pembroke Living Index

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Torrance, CA

🇺🇸 United States

$3,520

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,387

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,520 in Torrance, CA versus $2,387 in Pembroke.

Torrance, CA $3,520
Pembroke $2,387

Estimated couple costs with rent: $5,192 in Torrance, CA versus $3,888 in Pembroke.

Torrance, CA $5,192
Pembroke $3,888

Monthly costs for a family of three with rent: $6,864 in Torrance, CA versus $5,389 in Pembroke.

Torrance, CA $6,864
Pembroke $5,389

Living in Torrance, CA is roughly 47% more expensive than in Pembroke, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$24.76 $24.76

$51.0 BMD 51.0

-51.41%

Three-Course Dinner for Two, Mid-Range

$78.5 $78.5

$148 BMD 148

-47.06%

Fast Food Meal (McDonalds, etc)

$14.75 $14.75

$16.62 BMD 16.62

-11.25%

Cappuccino

$4.66 $4.66

$4.45 BMD 4.45

4.72%

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

$3.77 $3.77

$3.13 BMD 3.13

20.45%

Water (0.33 liter bottle)

$2.74 $2.74

$3.21 BMD 3.21

-14.64%

Local Beer (0.5 liter draught)

$8.06 $8.06

$7.46 BMD 7.46

8.04%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$9.08 BMD 9.08

8.48%

Milk (1 liter)

$1.29 $1.29

$4.87 BMD 4.87

-73.51%

White Bread (500g)

$4.70 $4.70

$8.22 BMD 8.22

-42.82%

Rice (white) (1kg)

$4.89 $4.89

$5.54 BMD 5.54

-11.73%

Eggs

$4.47 $4.47

$7.38 BMD 7.38

-39.43%

Local Cheese (1kg)

$11.62 $11.62

$23.76 BMD 23.76

-51.09%

Chicken Fillets (1kg)

$16.07 $16.07

$21.60 BMD 21.60

-25.60%

Beef Round Steak (1kg)

$19.91 $19.91

$19.29 BMD 19.29

3.21%

Apples (1kg)

$5.02 $5.02

$9.16 BMD 9.16

-45.20%

Banana (1kg)

$2.33 $2.33

$6.81 BMD 6.81

-65.79%

Oranges (1kg)

$4.73 $4.73

$7.29 BMD 7.29

-35.12%

Tomato (1kg)

$5.55 $5.55

$8.51 BMD 8.51

-34.78%

Potato (1kg)

$3.06 $3.06

$5.74 BMD 5.74

-46.69%

Onion (1kg)

$3.14 $3.14

$4.10 BMD 4.10

-23.41%

Lettuce (1 head)

$2.08 $2.08

$6.21 BMD 6.21

-66.51%

Water (1.5 liter bottle)

$2.62 $2.62

$3.39 BMD 3.39

-22.71%

Cigarettes 20 Pack (Marlboro, Camel)

$12.92 $12.92

$18.09 BMD 18.09

-28.58%

Wine (Bottle)

$14.89 $14.89

$23.57 BMD 23.57

-36.83%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$5.09 BMD 5.09

-51.67%

Imported Beer (0.33 liter bottle)

$3.06 $3.06

$4.28 BMD 4.28

-28.50%

One-way Ticket (Public Transport)

$1.97 $1.97

Public Transport Monthly Pass (Regular Price)

$40.40 $40.40

$130 BMD 130

-68.82%

Taxi Start (Normal Tariff)

$3.13 $3.13

$6.32 BMD 6.32

-50.47%

Taxi (Normal Tariff) (1km)

$1.84 $1.84

$2.50 BMD 2.50

-26.40%

Taxi 1hour Waiting (Normal Tariff)

$32.67 $32.67

$69.1 BMD 69.1

-52.69%

Gasoline (1 liter)

$1.46 $1.46

$2.34 BMD 2.34

-37.61%

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

$36.8K $36.8K

$37.5K BMD 37.5K

-1.81%

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

$26.5K $26.5K

$43.1K BMD 43.1K

-38.49%

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

$256 $256

$289 BMD 289

-11.38%

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

$53.2 $53.2

$149 BMD 149

-64.19%

Internet (50+ Mbps, Unlimited Data)

$72.2 $72.2

$158 BMD 158

-54.15%

Gym Membership (Monthly)

$59.3 $59.3

$79.2 BMD 79.2

-25.09%

Tennis Court (1 Hour on Weekend)

$25.36 $25.36

Cinema Ticket

$19.95 $19.95

$13.74 BMD 13.74

45.20%

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

$1,694 $1,694

$1,335 BMD 1,335

26.89%

International Primary School, 1 Child (Yearly)

$15.1K $15.1K

$24.6K BMD 24.6K

-38.75%

Jeans (Levis 501 Or Similar)

$64.5 $64.5

$90.7 BMD 90.7

-28.86%

Summer Dress (H&M, Zara, etc)

$63.7 $63.7

$71.1 BMD 71.1

-10.45%

Sport Shoes (Adidas, Nike)

$107 $107

$142 BMD 142

-24.90%

Men's Leather Business Shoes

$192 $192

$130 BMD 130

47.67%

1-bedroom Apartment, City Center (Monthly)

$2,612 $2,612

$3,769 BMD 3,769

-30.70%

1-bedroom Apartment, Outside City Center (Monthly)

$1,941 $1,941

3-bedroom Apartment, City Center (Monthly)

$4,298 $4,298

3-bedroom Apartment, Outside City Center (Monthly)

$3,426 $3,426

Buy Apartment in City Center (m2)

$7,546 $7,546

Buy Apartment Outside City Center (m2)

$6,336 $6,336

Average Monthly Net Salary (After Tax)

$5,675 $5,675

$8,112 BMD 8,112

-30.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.39

8.63

-25.96%

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

Last update for Torrance, CA: October 13, 2026

Last update for Pembroke: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Torrance, CA

$1.9K 55.1%

Pembroke

- * 0% 100%

Groceries & Markets

Torrance, CA

$461 13.1%

Pembroke

$750 31.4% 62.6% $289

Eating Out

Torrance, CA

$384 10.9%

Pembroke

$592 24.8% 53.9% $207

Monthly Utilities & Internet

Torrance, CA

$381 10.8%

Pembroke

$595 24.9% 56% $214

Clothing & Footwear

Torrance, CA

$192 5.5%

Pembroke

$195 8.2% 1.6% $3.1

Sport & Entertainment

Torrance, CA

$99 2.8%

Pembroke

$107 4.5% 7.5% $7.5

Getting Around

Torrance, CA

$61 1.7%

Pembroke

$148 * 6.2% 145% $88

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 $2,612 in Torrance, CA and $3,769 in Pembroke. Housing cost is often the main lever when comparing two cities.

Pembroke pays 43% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $79.0 in Torrance, CA vs $148 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $461 vs $750 per month, with Torrance, CA cheaper across the board.

Good to know

🇺🇸 Torrance, CA

🇧🇲 Pembroke

🕒 Local time

12:37 12:37 PM

16:37 4:37 PM

4 h ahead of Torrance, CA

🌤 Weather

👥 Population

142,350

11,160

💱 Currency

United States Dollar USD $

Bermudian Dollar BMD $

📈 Exchange rate

1 USD = 0.89 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

BMD, EUR to USD – United States Dollar Converter

🇧🇲 Bermudian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Bermudian Dollar exchange rates as of October 18, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

BMD to USD in detail →

On the map

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Highest

Between locations

Torrance, CA Pembroke 4,940 km ≈ 7 h nonstop flight

From you

Torrance, CA
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

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

Torrance, CA and Pembroke differ by about 47% in total monthly costs ($3,520 vs $2,387 including rent). Pembroke is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 43% 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: $2,612 in Torrance, CA versus $3,769 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,694 in Torrance, CA versus $1,335 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 63% 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 $2,387 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.