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Pembroke, Bermuda: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Pembroke | Digital Nomad Exchange
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Pembroke, Bermuda

By Joshua Wood, LPC

Last updated on May 05, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Pembroke, Bermuda: Cost of living, Finding a home, Meeting People and more.

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SJB Global
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What do I need to know before moving to Pembroke?

When we asked people what advice they would give someone preparing to move to Pembroke, they said:

"Before moving to Pembroke, expats should know that the cost of living is quite high, with housing, groceries, and utilities being more expensive than in many other countries. The official language is English, but Portuguese is also widely spoken due to a large Portuguese community. The currency used is the Bermudian dollar, which is pegged to the US dollar, and US dollars are also widely accepted. Expats should be aware that Bermuda has a subtropical climate, with high humidity and temperatures that can reach up to 30 degrees Celsius in the summer. The island is also prone to hurricanes, particularly between June and November. In terms of transportation, cars are limited to one per household and there are restrictions on car sizes. Many residents use scooters or public transportation, which includes buses and ferries. Bermuda has a high standard of healthcare, but it can be expensive, so it's recommended to have comprehensive health insurance. The education system is based on the British model, with both public and private schools available. Expats should also know that Bermuda has strict customs regulations, particularly regarding the importation of plants, animals, and certain food products. Finally, Bermuda is known for its friendly and welcoming locals, beautiful beaches, and outdoor activities such as golf, sailing, and snorkeling. However, it's important to respect local customs and traditions, including dress codes which tend to be more formal than in other beach destinations," said one expat in Pembroke.

What is a typical expat home or apartment like in Pembroke?

"A typical expat home or apartment in Pembroke is often a charming blend of traditional Bermudian architecture and modern amenities. These homes usually feature bright, pastel-colored exteriors with white, stepped roofs designed to collect rainwater. Inside, one can expect spacious, open-plan living areas with large windows that let in plenty of natural light and offer stunning views of the surrounding landscapes. The homes often have two or three bedrooms, with the master suite usually featuring an en-suite bathroom. The kitchens are typically modern and well-equipped, often with high-end appliances and ample counter space. Many homes also have a separate dining area, perfect for hosting dinner parties or family gatherings. Outdoor living is a big part of life in Bermuda, so many expat homes come with a private patio or garden, and sometimes even a pool. These outdoor spaces are often beautifully landscaped, providing a tranquil spot to relax and enjoy the island's pleasant climate. Despite their traditional appearance, these homes are usually equipped with modern conveniences such as air conditioning, high-speed internet, and cable TV. Some may also have a garage or off-street parking, which can be a significant advantage in Pembroke where parking can be limited. In terms of location, many expat homes in Pembroke are conveniently situated close to the capital city of Hamilton, providing easy access to shops, restaurants, and other amenities. Some homes may also be located near the coast, offering breathtaking ocean views. Overall, a typical expat home in Pembroke, Bermuda offers a comfortable and luxurious living experience, combining the charm of Bermudian architecture with the conveniences of modern living," said one expat who made the move to Pembroke.

What is the average cost of housing in Pembroke?

If you are thinking about moving to Pembroke, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Pembroke can vary greatly depending on the size and location of the property. However, it is generally quite high due to the island's limited land space and high demand. For a modest home in Pembroke, one can expect to pay well over a million dollars. Luxury homes and waterfront properties can cost several million dollars. Apartments and condos are typically less expensive, but still may cost several hundred thousand dollars. It's also worth noting that the cost of living in Bermuda is one of the highest in the world, which is reflected in the housing prices," wrote a member in Pembroke.

Where should I setup a bank account in Pembroke?

We asked expats in Pembroke what banks they use and there advice about banking. They advised:

"Before retiring in Pembroke, expats should know that the cost of living is quite high, with housing, groceries, and dining out being more expensive than in many other countries. They should also be aware that Bermuda has strict immigration laws, and obtaining residency can be challenging. Expats should understand that healthcare in Bermuda is of a high standard, but it can be expensive, so having comprehensive health insurance is essential. They should also know that the primary language spoken in Bermuda is English, which can make the transition easier for those from English-speaking countries. Expats should be aware that Bermuda has a subtropical climate, with hot and humid summers and mild winters. They should also know that the island is prone to hurricanes, particularly between June and November. They should understand that Bermuda has a slower pace of life, which can be a significant change for those used to living in a bustling city. Expats should also be aware that the island has a strong sense of community, with many social events and activities to participate in. Expats should know that Bermuda has a high standard of education, with a range of both public and private schools. They should also be aware that the island has a strong emphasis on outdoor activities, with golf, tennis, sailing, and other water sports being popular. Finally, expats should understand that while Bermuda is a British Overseas Territory, it has its own laws and regulations, and they should familiarize themselves with these before moving," remarked one expat living in Pembroke, Bermuda.

What do expats in Pembroke appreciate most about the local culture?

"Expats in Pembroke appreciate the friendly and welcoming nature of the locals, who are always ready to help and make newcomers feel at home. They also love the relaxed and laid-back lifestyle that is a stark contrast to the hustle and bustle of city life. The rich history and heritage of Bermuda, reflected in the architecture, traditions, and festivals, is another aspect that expats find fascinating. The island's natural beauty, with its stunning beaches, crystal clear waters, and lush greenery, is highly appreciated. Expats also enjoy the local cuisine, which is a unique blend of British, Caribbean, and Portuguese influences. The safety and cleanliness of the island is another factor that expats appreciate. Lastly, the sense of community and the importance of family in the Bermudian culture is something that resonates with many expats," remarked one expat living in Pembroke, Bermuda.

What do expats find most challenging?

"Expats in Pembroke often find the high cost of living to be a significant challenge, as the island is known for its expensive housing, groceries, and general living expenses. The slower pace of life, often referred to as "island time", can also be a difficult adjustment for those accustomed to a faster, more immediate lifestyle. Some expats may also struggle with the limited entertainment and shopping options, as Bermuda is a small island with fewer amenities than a large city. Additionally, while English is widely spoken, the local Bermudian accent and slang can sometimes be difficult to understand for newcomers. Lastly, the humid subtropical climate, while appealing to some, can be uncomfortable for those not used to high humidity and heat," said one expat in Pembroke.

Is there a lot of crime in Pembroke?

We asked people if there is a lot of crime. They answered:

"Pembroke, like any other place, experiences some level of crime. However, it is generally considered a safe place to live and visit. The most common types of crime reported are usually petty theft and minor property crimes. Violent crimes are relatively rare, and when they do occur, they typically involve individuals who know each other rather than random acts against tourists or residents. The local police force is active and responsive in maintaining safety and security. Despite this, residents and visitors are always advised to take standard precautions to protect their personal safety and belongings," explained one expat living in Pembroke, Bermuda.

About the Author

Joshua Wood Joshua Wood, LPC is one of the Founders of Digital Nomad Exchange and serves as Co-President of Expat Exchange. Prior to Expat Exchange and Digital Nomad Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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Help others in Bermuda by answering questions about the challenges and adventures of living in Bermuda.

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SJB Global

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