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Living in Belize: Cost of Living, Healthcare and What to Know About Living in Belize | Expat Exchange
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Ambergris Caye, Belize

Living in Belize

By Betsy Burlingame

Last updated on Mar 08, 2024

Summary: The approximate population of Belize is 393,000 people. The largest cities in Belize are Belize City, San Ignacio, Orange Walk, and Belmopan. Expats love living in Belize for its laid-back lifestyle, friendly people, and beautiful beaches. Life in Belize is often described as relaxed and peaceful, with a slower pace of life than many other countries. Popular foods in Belize include rice and beans, tamales, fry jacks, and stewed chicken. The cons of living in Belize include a lack of infrastructure, limited job opportunities, and a high cost of living. The average cost of living for an expat is around $2,000 to $3,000 per month in US dollars. This includes rent, utilities, food, and other expenses.

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What do I need to know about living in Belize?

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

"I am not sure how long I will remain in Belize because as a single person, it is important that others embrace me as a friend. They are very kind people but getting into their inner circles is a different story. I am alone most of the time. This includes locals and expats," commented one expat who made the move to Belize.

"Most Belizeans are happy with their country as it is. Don't try to change it into whatever country you're from and you should be fine. Generally, if you come with an attitude that wherever you're from is better than Belize, you will find a lot of Belizeans wishing you a safe trip back there, the sooner the better.," remarked one expat living in Belize.

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How do I meet people in Belize?

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

"Expats living in Belize can join a variety of different clubs and activities. Options include sailing, snorkeling and other water sports, yoga and meditation classes, extended day hikes and more. Expats may also want to visit the local markets and festivals for shopping, food, and cultural experiences. Other popular activities include golf, tennis, volleyball and basketball. In addition to all of these activities, expats can also meet people in Belize by taking classes at the local schools, attending church, and getting involved in volunteering. People also tend to gather in the bars and restaurants most evenings, making it a great opportunity to mingle and meet new people," wrote a member in Belize.

"It is really easy to meet people on Ambergris Caye. Here are just a few ideas of where we regularly socialize. Anything outdoor and health oriented is great on the island. My husband and I built the San Pedro Fitness Club, so I go there most days. Ladies tend to enjoy the water fitness classes, in particular, since it is both exercise and social time. But there are sailing groups, plenty of scuba and snorkeling opportunities, places that specialize in sailing or kayaking, and fishing groups and competitions. There are now also several yoga schools where you will meet health oriented people. So for those of us who like to balance healthy activities with a little indulgence, it is easy to do here... For those who enjoy live music, there are a variety of places where people hang out and listen to local bands, all for free. Beach bars include Crazy Canucks, BCs, and Fidos, all near town. On the north side, Legends often has good music. We love to dance to a live band on the beach, cooled by a sea breeze! Sunday afternoon lunch is a time when everyone goes out for beach BBQ and to socialize. Popular places include Caribbean Villas (they have plenty of water toys), Crazy Canucks, BCs, and the Palapa Bar (up north). We go to Wine de Vine on Friday nights. This is a "smoke free" environment where many expats, business owners and tourists drop in for a nice glass of wine, and a cheese platter. There are regular festivals and fund raiser events that many expats attend. It is a great way to socialize and also donate to a good cause. There are more volunteer organizations than I can mention. Many expats join both to contribute, and to meet people. The most popular are the Saga Society (which is the local Humane Society), the churches, Lion's Club, and various school organizations. Some groups get together to play cards such as bridge. And many of us get together for group dinners. Sometimes we meet a favorite restaurant. Other times we enjoy a pot luck with friends," commented one expat who made the move to Ambergris Caye.

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What is life like in Belize?

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

"I have lived a very enjoyable 9 years in the Corozal area. Whoever wrote the other response is a real nay-sayer. Tell me anywhere in the world where things are perfect. If you wear gold jewelry and drive a big fancy car, you are a target. It is not that bad," said one expat in Belize.

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Is there a lot of crime in Belize?

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

"Belize is generally considered a safe place to visit, although there have been reports of crime, especially in areas frequented by tourists. Petty theft, home break-ins, and burglaries are common, especially in Belize City. Street crime such as bag snatching, pickpocketing, and muggings may also occur. Travellers should practice common sense security measures and avoid venturing in isolated areas," explained one expat living in Belize.

"There is crime everywhere, as someone else stated, however, we have discovered that most crime is either related to illegal activities (drugs or human trafficing) or are crimes of opportunity (theft.) As is also true everywhere, the best defense against crime is use common sense. Avoid areas that are known for high crime (like the ports in Belize City at night..) Don't participate in illegal activities. Don't flash cash. Don't leave valuables unattended. Places that have more people have higher crime rates because there are more opportunities for bad behavior. In Belize, such places include Belize City, Placencia, and Ambergris Caye. Also, if you are a Gringo, you need to understand that you will be targeted for passive theft. That's because most people in Belize have encountered many Gringo tourists, who spend tons of money whenever they are in port. As a result of such encounters, many locals develop the attitude that most Gringos are rich, and they assume they won't miss (or can easily replace) anything that gets lost/broken/stolen. Therefore, if you leave an iPhone on a table in a bar while you go to fetch more drinks, there's a good chance it will be gone when you return. If someone there "finds" your phone, they will expect a reward for returning it to you. Again, be smart. When it comes to home security, we chose a development with security gates and patrols. If you don't want that, then invest in good doors, locks, window bars/shutters, etc. These protections are especially important if you are not planning to live there year-round. Generally, thieves will target/rob those places where they are least likely to run into trouble accessing the place or get caught. Some friends got dogs to make noise," said one expat in Belize.

"We do not hear about much crime in the area. The most news has to do with petty theft, which is why we are careful," said one expat who made the move to Hopkins Village.

"Supposedly...l yes. Belize city is one of the most dangerous cities in the world... But it only has 60000 people in it, mostly during the weekdays. The killings tend to be gang related, drug related. In a specific area, south side, We live on the north side, in a very safe area. Our home is surrounded by a tall concrete wall, and our windows do have burglar bars on them. We have three large dogs which act as any further deterrent. I live here very happily, and feel very safe," explained one expat living in Belize City, Belize.

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

"Belize is a culturally and ethnically diverse country, with people of African, Spanish, Garifuna, Creole, Mennonite, East Indian, and Chinese descent, among others. Belizeans generally display a tolerant attitude towards differences between people and cultures, and there is a strong sense of unity throughout the country. The culture is mainly based on friendly respect, and the vast majority of Belizeans are accepting of people from all backgrounds and cultures," remarked one expat living in Belize.

"People are diverse, expats, locals, mayans, spanish etc. Yes, they are very friendly and accepting of differences. It's a tourist town, when the cruise ships come in once or twice a week. So, there are always loads of strangers about town, speaking different languages etc. Most locals are very friendly and welcoming of strangers," wrote one member in Belize City.

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What are the schools in Belize like?

"It is a great opportunity for small class sizes with a diverse background of students. The school values diversity and helps children understand the value in every child," commented one expat when asked about Ambergris Caye Elementary School in San Pedro Town.

"Belize has a range of international and bilingual schools with high quality educational standards. The best international schools in Belize include the Saint John's College in Belize City and the New Horizons Academy in Corozal Town. Both offer modern and up-to-date teaching programs, as well as small classroom sizes, enabling teachers to provide a highly personalized learning experience for each student. The bilingual schools in Belize, such as Belizean Dreams Academy and the Monte de Luz Belize Spanish Immersion School, are just as impressive in providing an immersive and interactive education. These schools foster a deep appreciation of the diversity of Belize by offering both English and Spanish programs, allowing students to understand the local culture while gaining an impartial view of the world," remarked one expat living in with children attending .

Is the cost of living in Belize high?

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

"The cost of living in Belize is generally quite reasonable, especially when compared to its surrounding countries. Depending on the city and lifestyle, the cost of rent can vary from relatively low to quite expensive. Utility bills, transportation costs, and food items generally tend to be quite affordable as Belize has lower costs for imports than other countries in Central America. Additionally, many goods are locally produced and therefore even cheaper," commented one expat who made the move to Belize.

"We have no house payment since our home is paid for. We are doing very well on about 3,000 U.S. per month, though we could get by for much less," remarked one expat living in Hopkins Village, Belize.

"That is such a leading answer. The QRP package requires that you bring 2000 us dollars into the country per month. For those not taking the QRP package, and taking up plain residency (takes a year to do) , there are people living on a lot less than 2000 US and living comfortably," wrote one member in Belize City.

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"Living in Belize is generally inexpensive. It has a low cost of living which is similar to other Central American countries. A nice one bedroom apartment in Belize can cost around $400 - $650 USD per month in rent. A nice two bedroom apartment in Belize typically runs around $700 - $1000 USD. Eating out at a moderately priced restaurant will usually cost around $15 - $20 USD. The cost of living tends to be higher in the capital, Belmopan and in other more touristy areas like San Pedro and Placencia," wrote one expat living in Belize.

"We live in the Cayo District and it's at least as safe as where we lived in Ottawa. The Belize dollar is pegged (2 for 1) to the US Dollar, so how far your CAD goes depends on the current exchange rate. Some things like gas are more expensive. If you "live like a local" then your cost of living will be much lower than in Canada. Live like a local means eating local, ie rather than Kellogs Corn Flakes look for the local brand of cereal, etc. If you want to maintain your North American lifestyle, it's possible of course. But we came here to simplify and that is certainly possible. You don't have neighbours who are trying to keep up with the Jones'. Healthcare - we don't have a plan here. If you have an existing, serious health condition then reconsider living here. Healthcare is cheap compared to the US but in Canada, most of your services were "free" (of course paid for through your taxes). Here we pay as we go. For example, I had to have an eye examination and drops. The whole shebang (exam and medication) cost me $25 USD. I have to have a tooth filled. The cost was $50 USD," commented one expat who moved to Carmelita Gardens.

"I own my little house here and spend about US$110o per month. I tracked it for about 4 months last year, including car tabs renewal and such," said one expat.

"San Pedro is the TOWN on Ambergris Caye. Same place. Monthly expenses (not living rich but nice will run you approx. $1,500 - $2,000 per month. You will need a work permit (yes, even to teach online). That will cost you total to go through all paperwork around $2,500 BZD ($1,250 usd), per year. If you want transportation, you can buy a bike for a few hundred bucks. If you want a golf cart, to purchase you’re looking at $3,000 USD - $12,000 USD depending on whether you want a used fixer or brand new. Permitting cost there as well. You can rent a golf cart for $400USD per month. Basic cost (food will vary depending on how much you eat out and if you buy American items at the grocery store or not (anything you get in the US that you can’t live without - just plan to pay DOUBLE what you do in the US. Import duties, shipping to Belize city, then shipping to ambergris and then it’s DOUBLE. So, for a single person, eating out twice a week at areal sit down restaurant (one lunch, one dinner), you can do street food stands a little cheaper, it would be something like this (assuming a US quality housing arrangement: Rent -$650 - $1,000 Cable/internet - $70 Water - $25 Electricity - $ 150 - $250 Food - $200-$400 Entertainment/restaurants - $200 Golf cart rental - $400 Visa stamp - $25 (+ work permit app mentioned above) $1750 - $2,500 depending on lifestyle. $1,500 minimum," commented one expat living in San Pedro, Belize.

"The cost of living varies with what kinds of recreation is enjoyed. Living there and cooking your our food can keep expenses low. Liquor and/ or drinking and eating out will increase expenses depending on how much you need the social life. Utilities aren't bad unless you are dependent on air conditioning. I try to be very frugal with A/C and electricity in general," remarked one expat living in Hopkins.

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What type of recreational facilities are in Belize?

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

"In Belize, residents enjoy a variety of recreational facilities, such as beaches, parks, and nature reserves. The country is home to many beautiful beaches, such as the popular Placencia Beach, which offers a variety of activities such as swimming, snorkeling, and kayaking. There are also numerous parks and nature reserves, such as the Cockscomb Basin Wildlife Sanctuary, which is home to a variety of wildlife and offers hiking trails and bird watching. Other recreational activities include fishing, diving, and sailing. Belize also has a vibrant nightlife, with a variety of bars, clubs, and restaurants," remarked one expat in Belize.

"There is always swimming in the beautiful Caribbean Sea and private pools. The village has a miniature golf place, and there is an outside basketball court. Soccer (futbal) is also played on the beach. There are many natural attractions like hiking, waterfalls, zip lining, motorcycling in the area," wrote one expat living in Hopkins.

"Placencia Beach Club offers Swim Club memberships and is open to the public. Recreational activities here are mostly owned by individual operators and tour guides and most are connected to local hotels. To include: Diving, Snorkeling, Fishing, River Tours, Manatee Tours, Howler Monkey Tours. Mayan Ruins, Scarlet Macaw Tours, Cave Tubing," commented one expat who moved to Placencia.

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What is the weather like in Belize?

"The weather in Belize is typically warm and humid, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit throughout the year. The rainy season typically runs from May to November, with the heaviest rainfall occurring in September and October. The dry season runs from December to April, with the coolest temperatures occurring in January and February," said one expat living in Belize.

"The climate varies from very humid and hot in the rainy season (June through October) to a bit less humid and hot in the winter months when the temperatures can drop to the low 70s F," mentioned one expat inHopkins.

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Are there good restaurants in Belize?

"One of the most popular restaurants in Belize is Elvi's Kitchen, located in San Pedro. Elvi's Kitchen is known for its traditional Belizean cuisine, such as stewed chicken, rice and beans, and fry jacks. The restaurant also offers a variety of seafood dishes, including conch fritters, lobster, and shrimp. The atmosphere is casual and relaxed, and the staff is friendly and attentive. Another popular restaurant in Belize is The Truck Stop, located in Belize City. The Truck Stop is a casual eatery that serves up a variety of dishes, including burgers, sandwiches, and tacos. The restaurant also offers a selection of local beers and cocktails. The atmosphere is lively and the staff is friendly and helpful. Finally, The Reef Restaurant, located in Placencia, is a favorite among locals and tourists alike. The Reef Restaurant serves up a variety of seafood dishes, including grilled fish, lobster, and shrimp. The atmosphere is relaxed and the staff is friendly and attentive. The restaurant also offers a selection of local beers and cocktails," said one expat living in Belize.

"There are many restaurants and bars in the area. Mostly serving local foods. There are some speciality restaurants like Italian and Chinese but most serve a variety. There is not alot of nightlife as this area is attractive to people that are outdoors types. But there is great local music in many establishments," mentioned one expat inPlacencia.

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Where will I buy groceries and do other shopping in Belize?

"There are many grocery stores in Placencia but the beauty of this area is most product are delivered to your door. For Example, Bakery, Produce, Organic Foods, Water, Beverages, Wine, Beef, Chicken, Fresh Fish....," commented one expat living in Placencia, Belize.

"The stores in Hopkins are small to medium variety stores that also sell a selection of groceries. There are also vendors around the village selling fresh vegetables and fruit, as well as baked goods.I Supply may be limited, but generally you can find what you need. There are several village stores offering various souvenirs," remarked one expat living in Hopkins.

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What are the visa & residency requirements in Belize?

"Belize has just started the digital nomad program, not a lot of details are available yet though. Basically, many people come to live in Belize who are digital nomads. If your employer is non-Belizean and your funds are transferred into a non-Belizean bank account you will be able to live and work in Belize. You will need to identify your source of income and pay $200 BZD per month for your visitor visa however most people find that this is worth the price of being able to live in paradise," wrote one expat living in Belize.

"Residency requires you to live in the country for 1 year and you are only allowed to leave for 14 days during that time. There is a QRP -Retirement Program which is Temporary Residency and a Regular Temporary Residency. Otherwise you go monthly to immigration and get a stamp," commented one expat who moved to Placencia.

"In order to enter and stay in Belize for an extended period of time, visitors can apply for a Belizean visa. To apply for a visa, applicants must fill out a visa application form, attach all necessary documents (such as a valid passport, proof of accommodation and a reason for staying in Belize), and submit it at the nearest Belize Embassy or Consulate. After the application is processed, applicants usually receive a visa that allows them to stay in the country for up to 30 days. Applying for residency in Belize requires a more complicated process. Typically, applicants are required to meet certain financial requirements and have a valid reason for living in Belize. After completing the necessary documentation, applicants must attend an interview with the Department of Immigration to demonstrate their eligibility. Depending on the application outcome, applicants may be eligible to receive a permanent residency status and further benefit from Belize's laws and regulations," said one expat.

"Tourists must get their passport stamped every 30 days in order to remain in the country. This costs $50 BZD at the Immigration office. For residency, a tourist must live in the country for a year minus two weeks before applying," commented one expat living in Hopkins, Belize.

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Are healthcare and health insurance expensive in Belize?

"Healthcare and health insurance in Belize can be expensive, depending on the type of coverage and services needed. Private health insurance is available, but it can be costly and may not cover all medical expenses. Public healthcare is available, but it is limited and may not provide the same level of care as private healthcare. Additionally, the cost of medications and medical supplies can be high, and some treatments may not be covered by insurance," commented one expat who moved to Belize.

"In the US I have Medicare and a supplemental insurance, which is fine and I have had no problems with coverage. In Belize, I do not purchase medical insurance because it is very expensive. ," said one expat.

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Learn MoreGet Quote

Cigna Global Health

With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

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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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