Cost of Living in St Thomas - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $1,848 (excluding rent), and $4,227 including rent.

Family of 3: Estimated monthly costs are $5,112 (excluding rent), and $9,745 including rent.

Meal at Budget Restaurant

$19.98 $19.98

$9.99 $9.99

$34.96 $34.96

Three-Course Dinner for Two, Mid-Range

$161 $161

$101 $101

$176 $176

Fast Food Meal (McDonalds, etc)

$11.94 $11.94

$8.96 $8.96

$14.93 $14.93

Cappuccino

$7.02 $7.02

$1.5 $1.5

$9.02 $9.02

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

$4.05 $4.05

$3.03 $3.03

$5.06 $5.06

Water (0.33 liter bottle)

$3.3 $3.3

$1.08 $1.08

$6.86 $6.86

Local Beer (0.5 liter draught)

$6.56 $6.56

$3.03 $3.03

$8.08 $8.08

Imported Beer (0.33 liter bottle)

$10.11 $10.11

$7.07 $7.07

$12.13 $12.13

Milk (1 liter)

$2.55 $2.55

$1.34 $1.34

$4.04 $4.04

White Bread (500g)

$6.71 $6.71

$6.17 $6.17

$7.18 $7.18

Rice (white) (1kg)

$18.44 $18.44

$17.37 $17.37

$19.52 $19.52

Eggs

$8.75 $8.75

$4.91 $4.91

$10.81 $10.81

Local Cheese (1kg)

$11.35 $11.35

$5.01 $5.01

$17.68 $17.68

Chicken Fillets (1kg)

$31.79 $31.79

$30.69 $30.69

$32.88 $32.88

Beef Round Steak (1kg)

$40.04 $40.04

Apples (1kg)

$12.23 $12.23

Banana (1kg)

$11.24 $11.24

Oranges (1kg)

$11.9 $11.9

Tomato (1kg)

$19.5 $19.5

Potato (1kg)

$1.89 $1.89

Onion (1kg)

$8.98 $8.98

Lettuce (1 head)

$8.11 $8.11

Water (1.5 liter bottle)

$6.09 $6.09

Wine (Bottle)

$25.13 $25.13

Imported Beer (0.33 liter bottle)

$6.03 $6.03

One-way Ticket (Public Transport)

$1.99 $1.99

Public Transport Monthly Pass (Regular Price)

$59.4 $59.4

Taxi Start (Normal Tariff)

$19.7 $19.7

$6.89 $6.89

$19.7 $19.7

Taxi (Normal Tariff) (1km)

$3.02 $3.02

Gasoline (1 liter)

$1.33 $1.33

$1.08 $1.08

$1.6 $1.6

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

$55.1K $55.1K

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

$38.2K $38.2K

$34.7K $34.7K

$41.7K $41.7K

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

$393 $393

$254 $254

$508 $508

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

$100 $100

Internet (50+ Mbps, Unlimited Data)

$130 $130

$89.7 $89.7

$199 $199

Gym Membership (Monthly)

$123 $123

$49.32 $49.32

$173 $173

Cinema Ticket

$11.78 $11.78

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

$1,485 $1,485

International Primary School, 1 Child (Yearly)

$21.8K $21.8K

Jeans (Levis 501 Or Similar)

$116 $116

Summer Dress (H&M, Zara, etc)

$151 $151

Sport Shoes (Adidas, Nike)

$201 $201

Men's Leather Business Shoes

$149 $149

1-bedroom Apartment, City Center (Monthly)

$1,430 $1,430

$1,116 $1,116

$1,786 $1,786

1-bedroom Apartment, Outside City Center (Monthly)

$1,798 $1,798

$1,398 $1,398

$2,197 $2,197

3-bedroom Apartment, City Center (Monthly)

$3,313 $3,313

$3,058 $3,058

$3,568 $3,568

3-bedroom Apartment, Outside City Center (Monthly)

$4,180 $4,180

$2,951 $2,951

$5,410 $5,410

Buy Apartment in City Center (m2)

$4,795 $4,795

$2,131 $2,131

$7,460 $7,460

Buy Apartment Outside City Center (m2)

$10.9K $10.9K

Average Monthly Net Salary (After Tax)

$2,437 $2,437

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

9.9

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

Last update: November 23, 2025

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Cost of Living in St Thomas - Frequently Asked Questions

From a visitor’s perspective, the Cost of Living in St Thomas, Us Virgin Islands can feel premium, thanks to imports, services, and a strong tourism pulse. For travelers, expats, and digital nomads, there’s value in staying longer to spread onboarding and housing costs, and in choosing neighborhoods that balance proximity to amenities with calmer beach access. You’ll find that everyday groceries and restaurant meals can be pricier than you’d expect, while locally sourced produce and casual eateries offer relative savings. Housing ranges from compact apartments to homes with sea views, often at a premium near town. Tip: map a weekly routine that blends work time with affordable errands and outdoor breaks.

Daily life hinges on a mix of practicality and island rhythm. For housing, look around Charlotte Amalie for easy access to services, or toward quieter East End spots for beaches and relaxed mornings. Food choices span casual beachside spots, local markets, and international groceries; cooking at home helps manage the St Thomas, Us Virgin Islands living cost while still enjoying fresh produce and seafood. Transportation options include taxis, rental cars, and reliable ferry links to St John; plan trips for mornings or midweek to dodge peak crowds. Co-working spaces, cafes with reliable Wi‑Fi, and outdoor work-friendly settings round out a flexible routine. Tip: verify Wi‑Fi quality in your chosen place before committing.

Quality of life here blends island scenery with practical planning. Start with a simple budgeting framework: prioritize housing and utilities, then daily essentials, and reserve a portion for activities and travel. Seasonal shifts in demand mean some rental options tighten during peak season; shoulder periods can offer more flexibility and better value. To fit the neighborhood vibe, consider Charlotte Amalie for proximity to services and evening culture, or quieter bays like the East End for mornings on the water. Save by cooking at home, buying from local markets, and timing larger purchases for midweek. Tip: build a loosely structured monthly plan that stays flexible to weather and routes.