Is St Thomas cheaper than St Croix?

No: St Thomas is roughly $375 a month more expensive than St Croix at the moderate tier, $3,975 versus $3,600 per person per month. The entire gap is in housing. A comparable one-bedroom runs $400 to $800 more per month on St Thomas because demand is higher (larger population, more tourism infrastructure, more remote-worker and second-home buying pressure). Utilities, groceries, transport, and healthcare are broadly similar across the two islands and run within a few percent of each other. For a single moderate-budget resident, choosing St Croix over St Thomas saves roughly $4,500 a year on the headline benchmark, more if housing choice is at the higher end of the range. For couples or families those savings compound. For the full breakdown, see our St Thomas cost of living page.