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Living in UAE: Cost of Living, Healthcare and What to Know About Living in UAE | Expat Exchange
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Living in the UAE

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Universal Tax Professionals
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Universal Tax Professionals

By Betsy Burlingame

Last updated on Jan 03, 2024

Summary: The approximate population of UAE is 9.9 million people. The largest cities in UAE are Dubai, Abu Dhabi, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah. Expats love living in UAE because of the high quality of life, excellent job opportunities, and tax-free salaries. People describe life in UAE as luxurious, modern, and vibrant. Popular foods in UAE include shawarma, falafel, hummus, and kababs. The cons of living in UAE include the high cost of living, the hot climate, and the lack of personal freedom. The average cost of living for an expat is around $2,500 to $3,500 per month, depending on lifestyle and location.

What do I need to know about living in the UAE?

When we asked people what advice they would give someone preparing to move to the UAE, they said:

"Before retiring in the UAE, expats should be aware of the cost of living, which is generally higher than in other countries. They should also be aware of the local laws and regulations, as well as the cultural norms and expectations. Additionally, expats should research the healthcare system and the availability of medical insurance. It is also important to understand the taxation system and the process for obtaining a residence visa. Finally, expats should familiarize themselves with the local language, as English is not widely spoken in the UAE," said one expat in UAE.

"Remember your purpose of coming to the city, many cases you earn lots but also spends lots," said one expat who made the move to Dubai.

"Do it! you will love it if you bring an open mind and some patience and don't expect things to be like it is 'at home'. The temperatures here are extreme - up to 58-60 degrees in summer! Winter is very pleasant," explained one expat living in Al Ain, UAE.

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How do I meet people in the UAE?

When we asked people living in the UAE about club and activities where newcomers can meet others, they responded:

"Major international hotels are (in order of my preference) the Intercontinental, Hilton, Rotana, Mercure Jebel Hafeet. The Palm Resort has a Rugby Club and Golf Club and both are good value. Have a look at the Living in Al Ain thread on the British Expats site in the Middle East Forum, it is a very popular thread and full of information about events, schooling, life in general," wrote one member in Al Ain.

"From sailing to golf to sky diving to horseracing, Dubai is an emerging market that has it all. Wafi City is a great place for various activities such as Sport club, various bars and restaurants, mall and the newly opened Raffles Hotel. Dubai festival City housed some of the most prestigious hotels, mall and residential area as well as golf club. There loads of clubs (each country usually has their own) and activities from charity to commercial events, although you will miss nature's beauty - summers are very very hot (4-5 months)," remarked one expat who made the move to Dubai.

"Expats in the UAE often join clubs and activities such as sports teams, book clubs, and language classes. These activities provide a great way to meet people and make friends. Expats can also meet people by attending events such as art exhibitions, concerts, and festivals. Additionally, many expats join social media groups and online forums to connect with other expats living in the UAE. Finally, expats can also meet people by attending networking events, joining professional organizations, and attending meetups," explained one expat living in UAE.

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What is life like in the UAE?

When we asked people living in the UAE what life is like and how people spend their time, they said:

"Life for expats and digital nomads in the UAE is generally quite comfortable. The country offers a wide range of modern amenities, from high-end shopping malls to world-class restaurants. The cost of living is relatively low compared to other countries in the region, and the UAE is a safe and secure place to live. The country is also home to a vibrant expat community, with plenty of opportunities to meet new people and make friends. Additionally, the UAE is a great place to explore, with its stunning beaches, deserts, and mountains. All in all, the UAE is an ideal destination for expats and digital nomads looking for a comfortable and exciting place to live," wrote one member in UAE.

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Is there a lot of crime in the UAE?

We asked people if there is a lot of crime. They answered:

"The UAE has a low crime rate compared to other countries, and the government has taken steps to ensure the safety of its citizens and visitors. The UAE has a zero-tolerance policy for crime and has strict laws in place to deter criminal activity. The police force is well-trained and equipped to handle any criminal activity that may occur. The government also works closely with international law enforcement agencies to ensure that criminals are brought to justice," remarked one expat who made the move to UAE.

Is there a lot of diversity? Are people in the UAE accepting of differences?

"The UAE is a diverse country with a population made up of people from all over the world. People from different backgrounds, religions, and cultures live and work together in the UAE, and the country is known for its acceptance of different cultures and beliefs. The UAE is a tolerant and open society, and people of all backgrounds are welcomed and respected," said one expat in UAE.

"75% of the populations are of expat, Asian/ subcontinent. People lives in harmony and the city are considerably safer than any other cosmopolitan city in the world. Although UAE is a muslim country, alcohol are served in licenced restaurants/hotels to non muslim. An alcohol permit could be applied through various alcohol stores (MMI or African eastern) - to be issued by Dubai Police upon approval - which allows you to purchase alcohol from the stores. UAE is also a tax free country," said one expat who made the move to Dubai.

"Al Ain is much more traditional than Dubai or Abu Dhabi - so you will see more of true Emirati culture. The Emirati are a very closed culture and men and women do not generally socialise together. if you can make a few Emirati friends and be invited into the inner sanctum you will be very welcomed and valued, however it is not easy to do that. Most of the population in the Emirates is Indian - over 50% and the Emirati are a very small percentage (maybe 12-15%) so it is very multicultural here. Islam is the main religion and permeates all aspects of life here - and it is very peaceful and non-threatening," explained one expat living in Al Ain, UAE.

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What are the schools in the UAE like?

"Don't! The teachers (not all, but quite a few) are rude and they they are basically ruled over by the Head and the others in top positions. Gosh, that's a rude lot. I you want a good school, try DESS, JESS or Jebel Ali. The American Scools are better as well. It was a huge mistake we made putting our child in when we arrived from the UK. What a poor waste of the formative years," said one expat in Dubai with children at Horizon School.

"Have a look around and compare others in the area. There are not many that can compare. This school was set up in 1974 and has good sized classes. Near enough to Dubai and easy to get to," remarked one parent with kids at Sharjah English School in Sharjah.

"State your needs, and you will find a school that will honestly evaluate your needs, and let you know if they can or can not meet them. If they feel this is not the best match for your child, they will help you find a school that is. As they have just been approved for the IB program, this will allow greater meeting of needs of high school students," explained one expat living in Dubai, UAE.

"The UAE is home to some of the best international and bilingual schools in the world. One of the most renowned international schools is the Dubai American Academy, which offers an American-style curriculum and is accredited by the Middle States Association of Colleges and Schools. The school provides a comprehensive education for students from kindergarten to grade 12, with a focus on developing critical thinking, problem-solving, and communication skills. Another top international school is the GEMS World Academy, which offers an international curriculum and is accredited by the Council of International Schools. The school provides a holistic education for students from kindergarten to grade 12, with a focus on developing global citizenship and leadership skills. For bilingual education, the International School of Choueifat is one of the best in the UAE. The school offers a dual-language curriculum in English and Arabic, and is accredited by the Council of International Schools. The school provides a comprehensive education for students from kindergarten to grade 12, with a focus on developing language proficiency and cultural understanding," said one parent with children at in .

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Is the cost of living in the UAE high?

We asked people how much they someone comfortably live on in the UAE, they wrote:

"The cost of living in the UAE varies depending on the city and lifestyle. Generally, the cost of living is higher than in many other countries, with rent and utilities being the most expensive items. Groceries, transportation, and entertainment are also relatively expensive. However, the UAE is known for its tax-free salaries, which can help offset the cost of living," commented one expat who made the move to UAE.

"The cost of living in the UAE is generally high, with some areas having a higher cost of living than others. For example, the cities of Dubai and Abu Dhabi tend to be more expensive than other parts of the country. The rental price for a nice 1 bedroom apartment in the UAE is typically around $1,500 USD per month, while a nice 2 bedroom apartment can cost around $2,500 USD per month. Eating dinner at a moderately priced restaurant in the UAE can cost around $20 USD per person," remarked one expat living in UAE.

"The cost of living is fairly high. Schools are expensive, as is housing. A housing allowance is often included in an employment package though, and depending on your level of employment and the company you work for school can be included too. As far as groceries go, it depends on where you shop. There a lot of shops that cater to expats and hold imported products from the UK and the USA. There are certainly a lot of options. Expats make up the majority of the work force and so they are catered to very well," said one expat living in Dubai.

"Fairly high, comparable to New York City and other too metro areas in the states. But like most areas, there are places for all budgets," mentioned one expat inAbu Dhabi.

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What type of recreational facilities are in the UAE?

When we asked people living in the UAE about recreational activities, they mentioned:

"Residents of the UAE enjoy a wide variety of recreational facilities, from outdoor activities such as camping, hiking, and beach activities to indoor activities such as bowling, ice skating, and shopping. There are also a number of theme parks, water parks, and amusement parks, as well as a variety of cultural attractions, such as museums, galleries, and theatres. Additionally, the UAE is home to a number of world-class golf courses, tennis courts, and other sports facilities. For those looking for a more relaxed experience, there are plenty of spas, salons, and wellness centers. Finally, the UAE is home to a number of vibrant nightlife spots, including bars, clubs, and lounges," said one expat.

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What is the weather like in the UAE?

"Extremely hot and humid in the summer months for 5 months. Winter is very mild. Jan and Feb are potential rain months, but not much," said one expat.

"The UAE has a hot and dry climate, with temperatures ranging from hot to very hot throughout the year. The summer months are particularly hot, with temperatures often reaching over 40°C. Rainfall is rare, with most of the country receiving less than 100mm of rain per year. The winter months are milder, with temperatures ranging from 15°C to 25°C. Humidity is generally high throughout the year, making the heat even more oppressive," commented one expat living in UAE.

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Are there good restaurants in the UAE?

"You may choose from whatever budget you like. Heavy party scene with uppity people to the chill at the local bar scene. Whatever you want is available. We spend most times at the golf club," said an expat in Abu Dhabi.

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Where will I buy groceries and do other shopping in the UAE?

"People living in the UAE typically buy groceries from supermarkets such as Carrefour, Spinneys, and Choithrams. Other shopping can be done at malls such as Mall of the Emirates, Dubai Mall, and Abu Dhabi Mall. There are also many local markets and souks where people can buy traditional items and souvenirs," mentioned one expat inUAE.

"There are big grocery stores, like Carrefour, Geant, Spinnies, Waitrose and Marks n Spencers. As the majority of the population is made up of expats, they are catered to very well and a lot of products are imported. There is very little that you can't get. Park n Shop is a store that imports exclusively from the USA and from the UK. Malls are amazing and have a lot of international stores," commented one expat who moved to Dubai, UAE.

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What are the visa & residency requirements in the UAE?

"In order to obtain a visa to the UAE, applicants must submit a valid passport, a completed visa application form, and a passport-sized photograph. Depending on the type of visa, additional documents may be required. Once the application is approved, the visa will be issued and sent to the applicant. In order to apply for residency in the UAE, applicants must first obtain a valid residence visa. This can be done by submitting a valid passport, a completed visa application form, and a passport-sized photograph. Depending on the type of visa, additional documents may be required. Once the application is approved, the residence visa will be issued and sent to the applicant. After receiving the residence visa, applicants must then register with the local immigration office and obtain a residence permit. This process requires applicants to submit additional documents such as proof of employment, proof of address, and proof of financial stability. Once the application is approved, the residence permit will be issued and sent to the applicant," mentioned one expat inUAE.

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Are healthcare and health insurance expensive in the UAE?

"Like most places, you pay for what you get. My company had our family on a health plan but it continually changed with the company trying to save money every year," wrote one expat living in Abu Dhabi.

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About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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