How much money do you need to live in the Virgin Islands?

USVI moderate runs $3,775 per person per month territory-wide, with St Thomas at $3,975 and St Croix at $3,600. St Thomas pulls above the territorial average on housing: a one-bedroom in or near Charlotte Amalie typically runs $2,000 to $3,200, with east-end (Red Hook, Cowpet Bay) or hillside-view properties at $3,500 to $5,500. WAPA electricity rates run roughly three to four times mainland US averages, so a one-bedroom with AC commonly generates $300 to $700 monthly electric bills. Groceries run 25 to 50 percent above mainland prices because virtually everything ships in. Budget-tier living on $2,385 a month is achievable only with a flatshare or modest housing outside the tourist zones. A two-person household typically needs $6,000 to $7,200. For the full breakdown, see our St Thomas cost of living page.