French Polynesia is significantly more expensive than the Oceania regional average, particularly for housing and groceries. It offers poor value for money compared to most Pacific destinations, though digital nomads with remote USD/EUR income can live comfortably on $2,500–$3,000/month. The high cost of living is offset by exceptional natural beauty, stable infrastructure, and French citizenship benefits; however, it is best suited to well-funded expats, remote workers, or those on generous relocation packages rather than budget travelers or retirees on fixed incomes.