How much does it cost to live in Hamilton?
Typical Month (Mid Range)
$5,578 (BMD 5,578)
Housing, food, transport, mobile, coworking and gym.
Updated September 2026 · Sources cited: bermuda-attractions.com, expatriatehealthcare.com
- Typical Month (Lower End)
- $3,073 (BMD 3,073)
- Typical Month (Premium)
- $6,796 (BMD 6,796)
Good to know
Good to Know
- The Bermudian dollar (BMD) is pegged 1:1 to the US dollar, and US cash is accepted interchangeably almost everywhere, which simplifies budgeting.
- Bermuda is consistently ranked among the most expensive places in the world to live — Numbeo's current data puts overall cost of living at nearly double the US average, and rent even further above US levels.
- The high prices are driven heavily by the fact that almost everything is imported and subject to substantial customs duties, so groceries and restaurant meals in particular feel dramatically pricier than a mainland US or UK city of similar size.
- Hard, current, per-item grocery and specific short-term rental data for Hamilton is thin online (Numbeo's own Hamilton food-price page has no submitted data) — treat the figures here as directional and verify current rents directly with a Bermuda rental agent or portal before committing.
- The Bermudian Dollar (BMD) is pegged 1:1 to the US Dollar and US cash is accepted everywhere alongside local currency, which simplifies budgeting for USD earners.
- Bermuda is consistently reported as one of the most expensive places in the world to live, so work/transport/essential costs above the transport and visa figures are meaningfully higher than most nomad hubs — budget generously.
- The public bus and ferry system share the same fare media (tickets, tokens, passes), and a single monthly pass covers unlimited travel on both, which is genuinely useful since the island is long and narrow.
- Named coworking spaces cluster in and around the City of Hamilton (e.g. Altura, ConnecTech, Nineteen), and most allow booking by the hour, day, week or month rather than requiring a long commitment.
- Several cost figures in this dataset (mobile plans, gym, healthcare, cinema, night out) could not be pinned to a specific current published price at the time of research and are honest estimates only — treat them as directional, not exact.
Monthly Totals
- Mid-range month
- BMD 5,578
Includes 6 estimated components
- Lean month
- BMD 3,073
Includes 4 estimated components
- Comfortable month
- BMD 6,796
Includes 7 estimated components
Living Costs
- Where nomads live
- There is no large, well-documented 'digital nomad enclave' in Hamilton the way there is in some cities. Short-term furnished listings cluster in the City of Hamilton itself (Pembroke Parish) and in the immediately adjacent parishes of Paget and Pembroke (areas like Pitts Bay Road and the Paget waterfront just across the harbour), which are within a short walk, bus ride, or ferry hop of the city center. Housing figures below reflect this Hamilton-and-immediate-surrounds zone; where a genuine Hamilton-center figure wasn't available, the closest just-outside-Hamilton proxy is used and labeled as such.
Housing (per month)
- Mid-range 1-bed
- BMD 3,300
Survey / cost-of-living site
Same guide states an average one-bedroom apartment rents for about $3,300/month in Hamilton itself.
- Budget studio / 1-bed
- BMD 2,200
Survey / cost-of-living site
Bermuda-attractions.com relocation/cost-of-living guide states an average one-bedroom apartment rents for about $2,200/month just outside Hamilton.
- Premium apartment
- BMD 4,000
Survey / cost-of-living site
Same guide states a two-bedroom apartment rents for about $4,000/month in Hamilton, used here as the premium tier (larger/higher-spec unit).
- Private room in a shared home
- BMD 1,900
Estimated
No dedicated private-room-in-shared-home listing data was found for Hamilton at the time of research. Estimated as roughly 55-60% of the one-bedroom apartment rate, a common ratio used when a distinct room-rental market isn't separately documented.
Groceries
- Groceries for one (month)
- BMD 700
Estimated
Estimated by applying Numbeo's Bermuda grocery price index (about 46% above New York City) to a typical single-person NYC monthly grocery spend; no Hamilton-specific full grocery basket figure was found.
Sample prices
Milk, 1L
- Milk, 1L
- BMD 4.30
Estimated
Derived from a 2016 cross-city cost comparison reproduced on bermuda-online.org citing $16.40 for a US gallon of milk in Hamilton; converted to a 1-liter equivalent (1 gallon ≈ 3.785L). Likely dated, used only as a directional estimate.
Eggs, Dozen
- Eggs, Dozen
- BMD 7.00
Estimated
No direct current source found; estimated from Bermuda's documented ~46% grocery premium over New York City applied to typical NYC dozen-egg prices.
Bread, 500g Loaf
- Bread, 500g Loaf
- BMD 5.50
Estimated
Estimated using the same NYC-comparison method; no direct current source found.
Chicken Breast, 1kg
- Chicken Breast, 1kg
- BMD 16
Estimated
Estimated using the same NYC-comparison method; no direct current source found.
Bottled Water, 1.5L (Store)
- Bottled Water, 1.5L (Store)
- BMD 2.50
Estimated
Estimated based on general import-driven grocery premiums; this is the supermarket price, not a restaurant price.
Eating out
- Cheap meal
- BMD 39
Estimated
Derived from a report citing Numbeo's inexpensive-restaurant-meal price for Bermuda published in GBP (£40.99); converted to a USD estimate since the underlying figure wasn't published directly in BMD or USD. [Adjusted 2026-09-18: the source's 52 BMD reduced by 25%; see "adjusted".]
Published in USD
- High-end meal
- BMD 170
Estimated
Estimated multi-course dinner with wine at an upscale Hamilton restaurant (e.g., Front Street fine dining); blended judgment, no single current source states this exact figure.
Published in USD
- Mid-range meal
- BMD 68
Estimated
Estimated at roughly 1.7-1.8x the inexpensive-meal figure, consistent with Numbeo's Bermuda restaurant price index running well above New York City; no single current source states this exact figure. [Adjusted 2026-09-18: the source's 90 BMD reduced by 25%; see "adjusted".]
Published in USD
Work, Transport & Essentials
Coworking
- Venue
- Altura (Hamilton, Bermuda)
- Day pass
- BMD 45
Estimated
No single Hamilton coworking operator publishes a specific day-pass price online; estimate based on Bermuda's overall high cost level and the fact that named spaces (Altura, ConnecTech, Nineteen) advertise hourly/daily/weekly/monthly booking without listing a public day rate.
- Monthly hot desk
- BMD 600
Estimated
Altura's own site states private-office memberships start at $1,500/month for up to 2 people and full suites from $5,850/month, but does not publish a shared hot-desk membership price; $600 is an estimated midpoint for a basic shared-desk membership, well below the private-office tiers.
Transport
- How to get there
- public bus / ferry (shared fare system)
- What the pass covers
- Unlimited travel on all Bermuda public buses and the Sea Express ferry network for one calendar month; passes for 1, 2, 3, 4 or 7 days are also sold.
- Single ride
- BMD 3.50
Official figure
Government of Bermuda bus fares page lists cash adult fare as $3.50 for a 3-zone ride and $5.00 for a 14-zone ride (exact change/coins only).
- Monthly pass
- BMD 69
Operator's own price
Bermuda transportation pass fare table lists Monthly adult pass at $69.00, valid for unlimited travel on both public buses and ferries.
Mobile & data
- Monthly plan
- BMD 70
Estimated
Search confirmed Digicel Bermuda, One Communications and Logic Communications operate as the main ISPs/carriers, but no specific current monthly prepaid plan price was retrieved; $70 is an estimate reflecting Bermuda's generally high service costs, not a stated carrier price.
Short Stays (per night)
- Seasonal pricing
- Yes
- Why
- Summer peak season (June–August) with sustained materially higher nightly rates (June averages $1,389/night vs. January low of $627/night — 121% difference, driven by northern hemisphere summer tourism demand and warm weather).
Low season
- Budget
- BMD 250
January–March described as 'slightly lower' than high season; Momondo $569/night overall average for January; Trivago December $329/night; budget tier estimated 40–45% lower than summer peak
- Luxury
- BMD 900
Luxury segment shows smaller seasonal discount (~35% vs. budget tier's 40%+); Rosewood and Hamilton Princess maintain premium positioning in winter; estimated from typical luxury-hotel winter discounting patterns
- Premium
- BMD 550
4-star hotels winter rates approximately 35–40% below peak; Hotels.com and Expedia confirm Jan–March lowest pricing tier overall
- Standard
- BMD 450
HiChee and aggregator data show winter rates for 3-star in $214–$375/night range; Hotels.com notes January–March as cheapest months with 'may drop' pricing
High season
- Budget
- BMD 346
KAYAK lowest 3-star hotel reported $274/night for upcoming weekend high season, plus typical budget tier markup; extrapolated from available listings in Hamilton area showing basic hotels/Airbnb studios range $250–$400/night in June–August
- Luxury
- BMD 1,485
Rosewood Bermuda (5-star luxury) confirmed $1,485/night for July 19-20, 2026 (Tripadvisor); Hamilton Princess & Beach Club (Fairmont, 5-star) confirmed luxury tier in high season
- Premium
- BMD 900
4-star hotels (e.g., Rosedon, Royal Palms) show KAYAK low of $564–$690/night; Tripadvisor low $385, but realistic premium 4-star in peak season $800–$1000/night range
- Standard
- BMD 750
3-star hotels in Hamilton typically $487–$800/night during peak; KAYAK 3-star deal example $487 anchors lower end; realistic mid-range estimate for standard tier
Low-season months
- January
- February
- March
- December
High-season months
- June
- July
- August
Sources cited for this category
These are the sources cited in this cost of living research for this city. Individual figures may not each trace to one of them.
More About Hamilton
Data last updated September 2026 · Verify anything important.