Last update: Oct 2026 Bermuda 11.2K

Cost of Living in Pembroke

For one person, living costs in Pembroke are estimated at $2,387 a month, including rent and utilities – 54% below the national average. Rent and utilities take less than a third of the total.

Monthly Cost of Living

How much you'll spend in Pembroke

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Pembroke actually costs, broken down by who's living it.

Living costs for one person come to about $2,387 monthly including rent, or $2,098 excluding housing.

$2,387 /mo

Estimated monthly costs for a couple: $3,888 with rent, or $3,599 without housing.

$3,888 /mo

Monthly costs for a family of three come to about $5,389 including rent, or $5,100 for daily expenses alone.

$5,389 /mo
Currency
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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$51.0 BMD 51.0
$30.58 BMD 30.58
$102 BMD 102
Three-Course Dinner for Two, Mid-Range
$148 BMD 148
$119 BMD 119
$198 BMD 198
Fast Food Meal (McDonalds, etc)
$16.62 BMD 16.62
$11.81 BMD 11.81
$19.69 BMD 19.69
Cappuccino
$4.45 BMD 4.45
$4.45 BMD 4.45
$8.90 BMD 8.90
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$3.13 BMD 3.13
$2.77 BMD 2.77
$4.12 BMD 4.12
Water (0.33 liter bottle)
$3.21 BMD 3.21
$1.54 BMD 1.54
$4.11 BMD 4.11
Local Beer (0.5 liter draught)
$7.46 BMD 7.46
$5.97 BMD 5.97
$9.94 BMD 9.94
Imported Beer (0.33 liter bottle)
$9.08 BMD 9.08
$6.05 BMD 6.05
$10.08 BMD 10.08
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$4.87 BMD 4.87
$2.09 BMD 2.09
$5.55 BMD 5.55
White Bread (500g)
$8.22 BMD 8.22
$6.35 BMD 6.35
$11.29 BMD 11.29
Rice (white) (1kg)
$5.54 BMD 5.54
$3.39 BMD 3.39
$8.46 BMD 8.46
Eggs
$7.38 BMD 7.38
$4.10 BMD 4.10
$9.87 BMD 9.87
Local Cheese (1kg)
$23.76 BMD 23.76
$7.58 BMD 7.58
$26.74 BMD 26.74
Chicken Fillets (1kg)
$21.60 BMD 21.60
$11.16 BMD 11.16
$30.43 BMD 30.43
Beef Round Steak (1kg)
$19.29 BMD 19.29
$13.05 BMD 13.05
$54.4 BMD 54.4
Apples (1kg)
$9.16 BMD 9.16
$3.99 BMD 3.99
$20.10 BMD 20.10
Banana (1kg)
$6.81 BMD 6.81
$5.66 BMD 5.66
$7.23 BMD 7.23
Oranges (1kg)
$7.29 BMD 7.29
$7.15 BMD 7.15
$7.44 BMD 7.44
Tomato (1kg)
$8.51 BMD 8.51
$4.06 BMD 4.06
$12.96 BMD 12.96
Potato (1kg)
$5.74 BMD 5.74
$4.43 BMD 4.43
$7.06 BMD 7.06
Onion (1kg)
$4.10 BMD 4.10
$2.97 BMD 2.97
$6.08 BMD 6.08
Lettuce (1 head)
$6.21 BMD 6.21
$3.97 BMD 3.97
$7.96 BMD 7.96
Water (1.5 liter bottle)
$3.39 BMD 3.39
$2.25 BMD 2.25
$3.90 BMD 3.90
Cigarettes 20 Pack (Marlboro, Camel)
$18.09 BMD 18.09
$16.08 BMD 16.08
$20.10 BMD 20.10
Wine (Bottle)
$23.57 BMD 23.57
$19.64 BMD 19.64
$29.46 BMD 29.46
Local Beer (0.5 liter bottle)
$5.09 BMD 5.09
$4.45 BMD 4.45
$5.93 BMD 5.93
Imported Beer (0.33 liter bottle)
$4.28 BMD 4.28
$2.54 BMD 2.54
$7.11 BMD 7.11
🚌 Getting Around
Cost
Range
Public Transport Monthly Pass (Regular Price)
$130 BMD 130
-
Taxi Start (Normal Tariff)
$6.32 BMD 6.32
$6.27 BMD 6.27
$7.78 BMD 7.78
Taxi (Normal Tariff) (1km)
$2.50 BMD 2.50
$2.18 BMD 2.18
$3.82 BMD 3.82
Taxi 1hour Waiting (Normal Tariff)
$69.1 BMD 69.1
$69.1 BMD 69.1
$69.1 BMD 69.1
Gasoline (1 liter)
$2.34 BMD 2.34
$2.28 BMD 2.28
$2.45 BMD 2.45
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$37.5K BMD 37.5K
$35.0K BMD 35.0K
$39.9K BMD 39.9K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$43.1K BMD 43.1K
$36.4K BMD 36.4K
$43.1K BMD 43.1K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$289 BMD 289
$200 BMD 200
$401 BMD 401
SIM Card Monthly Plan (Calls and 10GB+ Data)
$149 BMD 149
$126 BMD 126
$211 BMD 211
Internet (50+ Mbps, Unlimited Data)
$158 BMD 158
$128 BMD 128
$197 BMD 197
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$79.2 BMD 79.2
-
Cinema Ticket
$13.74 BMD 13.74
$12.21 BMD 12.21
$15.27 BMD 15.27
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$1,335 BMD 1,335
$1,214 BMD 1,214
$2,360 BMD 2,360
International Primary School, 1 Child (Yearly)
$24.6K BMD 24.6K
$23.6K BMD 23.6K
$26.0K BMD 26.0K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$90.7 BMD 90.7
$40.29 BMD 40.29
$201 BMD 201
Summer Dress (H&M, Zara, etc)
$71.1 BMD 71.1
$40.65 BMD 40.65
$102 BMD 102
Sport Shoes (Adidas, Nike)
$142 BMD 142
$120 BMD 120
$155 BMD 155
Men's Leather Business Shoes
$130 BMD 130
$75.8 BMD 75.8
$303 BMD 303
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$3,769 BMD 3,769
-
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$8,112 BMD 8,112
-
20-Year Fixed Mortgage Interest Rate (Annual %)
8.63
6.5
10

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

Last update: October 12, 2026

Monthly budget structure
Share of the monthly basket for one person, rent included.
Pembroke $2,387
Groceries & Markets
$750
Monthly Utilities & Internet
$595
Eating Out
$592
Clothing & Footwear
$195
Getting Around
$148 *
Sport & Entertainment
$107
Accommodation & Living
- *

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Average take-home pay sits at $8,112, while typical expenses reach $2,387. This leaves solid room for saving and lifestyle spending.

Expect to spend about $750 monthly on groceries. Dining out at a mid-range restaurant costs roughly $148 for two.

Public transport is priced at around $130 per month.

Cost Highlights

Pembroke has the 4th most expensive meal at budget restaurant worldwide

Pembroke has the 6th most expensive monthly cost (excluding rent) worldwide

Pembroke has the 6th most expensive family monthly cost (excluding rent) worldwide

Good to know
🕒 Local time
19:05 7:05 PM
🌤 Weather
👥 Population
11,160
💱 Currency
Exchange rates and currency converter

USD, EUR to BMD – Bermudian Dollar Converter

Bermudian Dollar exchange rates as of October 17, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

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Pembroke Median Internet Speeds (Updated April 2026)

Mobile

Download
Mbps
Upload
Mbps
Latency
ms

Fixed Broadband

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Mbps
Latency
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The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
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Cost of Living in Pembroke - Frequently Asked Questions
How does Pembroke, Bermuda compare in value for a first-time stay or long-term work?
Pembroke sits in a high-cost region with reliable services and easy access to island amenities. For travelers, expats, and digital nomads, it often feels like good value for convenience rather than rock-bottom prices. The Cost of Living in Pembroke, Bermuda tends to be driven by service costs and import-heavy goods, with housing options that vary by neighborhood. You can still find balance by choosing smaller guesthouses or short-term rentals closer to central amenities and by using coworking spaces for workdays. Tip: set a monthly budget buffer and test a few neighborhoods before committing.
What does daily life look like in Pembroke, including housing search, food options, transport, and errands for a short or long stay?
Daily life here blends ease with careful planning. For housing, start your search near Hamilton for quick commutes or opt for quieter pockets around Pembroke proper if you prefer walks to the sea. Food choices range from local markets to international eateries, with seasonal produce visible in markets. Transport leans on efficient bus routes and occasional car sharing, while coastal paths invite easy strolls. Pembroke, Bermuda living cost shows in daily purchases, so prioritize staples and batch errands to save time and money. Tip: book flexi-term stays to test neighborhoods.
How can you maximize quality of life, budget effectively, and choose a neighborhood that fits work and leisure in Pembroke?
Quality of life here comes from a mix of outdoor access, grid-stable services, and a compact downtown feel. Build a budgeting framework by dividing expenses into housing, groceries, and discretionary fun, then adapt seasonally as demand shifts around holidays and peak events. Neighborhoods near the harbor or parks tend to be more walkable, while hillside zones offer quieter evenings and views. Practical savings come from shopping local, cooking at home, and leveraging community spaces for meetings. Tip: align your routine with off-peak times for transport and research coworking options that fit your workflow.
Why is Pembroke so expensive to live in?
Living in Pembroke doesn't come cheap – monthly expenses with rent reach $2,387, putting it among the pricier cities worldwide. Housing dominates the cost, but food, services, and leisure all sit above the global median too.
Is Pembroke expensive to live in?
Budget at least $2,387 per month to live in Pembroke once rent is factored in. The high price tag reflects quality infrastructure and a strong economy, but it does mean you need a decent income to live comfortably here.
What is a good salary in Pembroke?
Earning $3,581 monthly in Pembroke means you're living well – a one-bedroom, regular groceries, transport, and some entertainment without stress. That's the threshold where most residents feel genuinely comfortable rather than just getting by.
How expensive is a gym membership in Pembroke?
At around $79.2 monthly, gym costs in Pembroke are on the steep side. The price tracks with the city's overall high cost of services, though annual contracts and promotional deals can cut the bill.
Is food expensive in Pembroke?
Pembroke isn't cheap for groceries. Monthly bills reach $750 for a single person, and even basic items cost more than in most comparable cities. Cooking at home is still the most economical approach.
Is $2,000 enough to live comfortably in Pembroke?
At $2,387 in typical monthly expenses, a $2,000 budget barely covers Pembroke. You'd need a shared flat in an outer area, home-cooked meals, and serious discipline with discretionary spending to make it work.
Is Pembroke good for expats?
Expats in Pembroke enjoy fast internet, low crime rates, vibrant nightlife, and monthly costs average around $2,387. The international crowd is active and welcoming, and practical stuff – bank accounts, apartment hunting, healthcare – is all manageable with some basic prep.

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