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Living in Puerto Rico presents a unique blend of Caribbean lifestyle and U.S. territory benefits, with a cost of living that offers both challenges and opportunities for residents and expats. As of 2026, the island provides a diverse range of living experiences across different cities and regions, each with its own economic landscape and affordability factors.
Monthly Living Expenses Overview
| Household Type | Monthly Cost (Including Rent) | Monthly Cost (Excluding Rent) |
|---|---|---|
| Single Person | 2,722</td> <td>1,722 | |
| Couple | 3,820</td> <td>2,820 | |
| Family of Four | 5,326</td> <td>4,026 |
Housing Costs Across Different Cities
Housing expenses vary significantly depending on the location. In San Juan, the capital city, rental prices demonstrate the diversity of options:
- City Center One-Bedroom Apartment: $1,620 per month
- Outside City Center One-Bedroom Apartment: $750 per month
- City Center Three-Bedroom Apartment: $2,709 per month
- Outside City Center Three-Bedroom Apartment: $1,342 per month
Food and Grocery Expenses
Grocery costs in Puerto Rico can be managed strategically. A single person can expect to spend around 450 to 650 monthly on food and groceries. Local markets and supermarkets like Supermercados Econo offer more affordable options compared to international chains.
Sample Grocery Prices
| Item | Price |
|---|---|
| Milk (1 liter) | 1.90</td> </tr> <tr> <td>Rice (1 kg)</td> <td>2.44 |
| Chicken Breasts (1 kg) | 8.80</td> </tr> <tr> <td>Dozen Eggs</td> <td>4.30 |
Transportation Costs
Transportation expenses can vary depending on your preferred mode of travel:
- Public Transit: Tren Urbano fares are $1.50 per ride
- Bus Services: AMA bus fares range from $0.75 to $2.00
- Vehicle Expenses: Approximately $300 to $500 monthly for car payment or maintenance
- Fuel Costs: Petrol is around $0.85 per liter as of February 2026
Public transportation is most developed in metropolitan areas like San Juan, Bayamón, and Guaynabo. However, having a personal vehicle might be necessary in less urban regions.
Utilities and Communication
Utility costs can be significant in Puerto Rico. Expect to pay:
- Electricity: $155 to $250 monthly
- Water: $40 to $75 monthly
- Internet: $75 to $150 monthly
- Mobile Phone Plan: $40 to $75 monthly
⚠️ Note: Electricity costs in Puerto Rico are typically higher than in many U.S. states, so budget accordingly.
Is $3,000 Enough to Live in Puerto Rico?
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Yes, $3,000 can cover basic living expenses in many areas, especially outside prime coastal or urban markets. However, lifestyle and location significantly impact your budget.
How Does Puerto Rico Compare to Mainland U.S. in Cost of Living?
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Puerto Rico can be cheaper than high-cost U.S. cities, but it's not universally inexpensive. Housing and utility costs can offset potential savings.
What Areas in Puerto Rico Are Most Affordable?
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Secondary cities, suburban municipalities, and inland areas typically offer more affordable living compared to beachfront locations, luxury communities, and high-demand urban neighborhoods.
Living in Puerto Rico requires careful planning and realistic expectations. While the island offers a vibrant lifestyle and unique cultural experiences, potential residents should thoroughly research and budget for their specific needs and preferences.