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Bermuda · Americas

Hamilton

Best for: Premium Atlantic nomads who can absorb Bermuda prices for gulf-stream-moderated subtropical weather and the Work from Bermuda DNV.

Mid-tier monthly cost

Full breakdown

$5,150/mo

  • Rent$3,000
  • Groceries$700
  • Dining out$600
  • Transport$100
  • Utilities$350
  • Coworking$400

Climate at a glance

Year heatmap

Subtropical Atlantic (gulf-stream)

Best months

  • J
  • F
  • M
  • A
  • M
  • J
  • J
  • A
  • S
  • O
  • N
  • D

Annual range: 17°–28°C

FIRE math at this cost

Run scenarios

Annual spend

$61,800

FIRE target (4% SWR)

$1,545,000

Coast-FIRE @ 7%/30yr

$202,962

Editorial estimates using the standard 4% Trinity-study rule. Run the FIRE calculator for sequence-of-returns risk, custom withdrawal rates, and country-specific tax assumptions.

Visa for nomads

High nomad-friendly

Pathway

Digital nomad visa

Program

Work from Bermuda Certificate

Typical max stay

12 months

12-month DNV, $263 application fee, no published income floor. British Overseas Territory; gulf-stream-moderated subtropical Atlantic; no income tax.

Visa concierges

Editorial summary, not legal advice. Verify with the relevant consulate before applying — visa programs change with little notice.

Field notes

Bermuda's capital on the main island — Hamilton Parish and Pembroke are the dense walkable cores, with Tucker's Town and the South Shore the high-end residential alternatives. Bermuda is structurally an isolated mid-Atlantic outpost, ~1,000km off the US Eastern Seaboard, which produces a unique gulf-stream-moderated subtropical climate (genuinely warmer than Florida in winter, cooler in summer). The Work from Bermuda Certificate (1-year, $263 application fee, no published income floor) is among the cheapest DNV applications in the region, but the structural cost is rent — among the highest on this list because everything imports. British Overseas Territory; English-default; no income tax.

Subtropical Atlantic — meaningfully more seasonal variance than the Caribbean to the south, but moderated by the gulf stream into a milder pattern than the US East Coast at the same latitude. Winter (December–March, 17–18°C average) is genuinely cool but rarely cold; summer (June–August, 25–28°C) is hot humid with daily afternoon thunderstorms. Hurricane risk is real and structural — Bermuda's mid-Atlantic position makes it vulnerable to late-season storms (October–November is the peak risk). Rainfall is well-distributed across the year.

Similar bases

Build your stack for Hamilton