Living in Jamaica
Last updated on Feb 08, 2024
Summary: The approximate population of Jamaica is 2.9 million people. The largest cities in Jamaica are Kingston, Spanish Town, Montego Bay, and Portmore. Expats love living in Jamaica for its beautiful beaches, friendly people, and vibrant culture. People describe life in Jamaica as laid-back and relaxed, with a strong sense of community. Popular foods in Jamaica include jerk chicken, ackee and saltfish, and curried goat. The cons of living in Jamaica include a high crime rate, limited job opportunities, and a lack of infrastructure. The average cost of living for an expat is around $1,500 to $2,000 per month in US dollars. This includes rent, utilities, food, and other expenses.
What do I need to know about living in Jamaica?
When we asked people what advice they would give someone preparing to move to Jamaica, they said:
"Your first stop needs to be the PICA website. This is the immigration website and it will list the options available to you for residency. There’s more to it than just packing your bags and deciding you’re going to move to Jamaica… I do suggest however, that you come for three months, maybe extend it to six months, and actually live here. By that I mean, you’re gonna live like a local; not a tourist. There are two totally different things. You need to figure out how you’re going to find your lifestyle here… As you’re not gonna be able to work, unless your company has an office here and sponsors you for a work permit. Or, do you have enough money to start your own business. As for housing, buy or rent the best place you can afford… In a gated community. A high end gated community Ex: Freeport, Spring Garden, Spring Farm, Rose Hall, you don’t want to live in a typical Jamaican gated community that was built by developers.," remarked one expat who made the move to Montego Bay.
"Well, if the friend was moving from a country in which gas is supplied via a main pipeline rather than a gas cylinder, I would suggest that he or she not take the cooker (gas stove). Also, ensure that your house is wired with the appropriate voltage and AC adapters, otherwise large electrical appliances are not likely to work," explained one expat living in Spanish Town, Jamaica.
"Jamaica is a beautiful island as are most of the people. But it’s not an easy place to live and you have to be fairly resilient to do so," said one expat in Jamaica.
"1. Expats should ensure they have access to any medical treatment or medications they may need, as healthcare in Jamaica may not always meet international standards. 2. It is important to research the cost of living in Jamaica before relocating, as prices may vary depending on the area. 3. Learn the local language as many conversations in Jamaica are conducted in Creole. 4. Obtain appropriate retirement visas, including a permanent resident visa, if planning to stay more than six months. 5. Consider joining an expat community, which can help with settling in to the local culture. 6. Be sure to purchase comprehensive travel and health insurance, as medical care and transportation in Jamaica can be costly. 7. Research the local tax laws to make sure you are in line with the local regulations. 8. Ensure any important documents are translated into English, in order to avoid any potential problems arising from language issues," said one expat who made the move to Jamaica.

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How do I meet people in Jamaica?
When we asked people living in Jamaica about club and activities where newcomers can meet others, they responded:
"As far as meeting people, I think you'd have an easier time in Kingston -- lots of social clubs, nightlife, expat organizations, Lots of Jamaicans go to church, an underrated place to meet people. Jamaicans are quite friendly so once you meet a couple people you'll likely meet their friends as well," remarked one expat living in Jamaica.
"There are so many local NGOs and civic organisations that are in need of help and support and I am sure would greatly appreciate offers from volunteers or interns. It very much depends on your interests. I work in the area of gender and development - which also encompasses children's and youth rights," wrote one member in Jamaica.
"Expats in Jamaica often join clubs and activities such as golf clubs, wine clubs, and country clubs, where they can socialize, network, and take part in special events. Additionally, there are many informal meetups, such as pub nights, outdoor activities, and beach days, that expats use to make connections. Expats can also join cultural events at local music and arts venues, or attend lectures and open discussions on Jamaican history, culture, and politics. For adventurous expats, joining a local sports team such as soccer, cricket, or cycling can be a great way to make friends and learn about Jamaican culture and customs. Finally, using online and mobile apps to find locals and other expats provides an easy way to connect with the larger Jamaican community," remarked one expat who made the move to Jamaica.

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What is life like in Jamaica?
When we asked people living in Jamaica what life is like and how people spend their time, they said:
"I am not directly in Spanish Town. I am in a beautiful community called 'Green Acres'. There seems to be a number of retired citizens, who enjoy playing dominoes and socializing," remarked one expat living in Spanish Town, Jamaica.
"Expat life in Jamaica is full of adventure, with numerous opportunities to experience the vibrant local culture, beautiful scenery, friendly people, and fascinating history. For digital nomads, the dream of living and working abroad in a warm and sunny location is made a reality, as Jamaica offers fast and reliable internet access, as well as cultural immersion. There are also opportunities to mix work and leisure, with a range of activities to be enjoyed, from snorkelling and diving to trekking and exploring rainforests. Expats and digital nomads in Jamaica can expect a traditional Caribbean experience where the famously laid-back attitude prevails and wonderful opportunities await to relax, grow, and make new friends," wrote one member in Jamaica.
Is there a lot of crime in Jamaica?
We asked people if there is a lot of crime. They answered:
"Yes, there is a lot of crime in Jamaica. There have been reports of gang-related violence, drug trafficking, robberies and muggings, mainly concentrated in the country's inner cities and resort towns. People have been known to break into homes and steal valuables, and vehicle theft is also fairly commonplace. Jamaica also has one of the world's highest murder rates," said one expat who made the move to Jamaica.
"Crime is everywhere in the world, and can strike at any time, any place. Jamaica is no differ, though that said, you need to exercise good judgement personal safety. I would say that you take the same precautions that you would do 'at home'. Don't wear flashy jewellery, clothing, etc. Don't flash the cash around - this is an economically impoverished country and it breeds opportunist criminals as it does in London, New York, Paris or any where else. Most of the violent crime in Jamaica is confined to certain areas and is drug or gang related. Most people have no business being in 'those' areas - what Jamaicans term 'volatile' areas and so don't wander voyeuristically into them the same way you wouldn't wonder around certain projects or ghettoes in the US or wherever you happen to live. Mind your own business and keep out of other people's business. I wouldn't wonder around the streets of London alone at night and I'm not about to do that here. Above all, treat other people as you would expect to be treated, keep your sense of humour about you, and you will be just fine," explained one expat living in Jamaica.
Is there a lot of diversity? Are people in Jamaica accepting of differences?
"Yes, Jamaica is known for its diversity and has a large variety of cultures and ethnic backgrounds. People in Jamaica are generally accepting of different cultures and beliefs, with other ethnicities and backgrounds often celebrated in the country. Through its diverse population, Jamaica showcases a strong sense of unity, and its citizens are proud to embrace differences. This can be seen through the different religions, musical styles, and cuisine that are celebrated across the country," explained one expat living in Jamaica.
"Kingston is home to many people and it’s a diverse city but I wouldn’t say that there are loads of expats. And you will stand out as a white person and it will be immediately possible to distinguish you from a white Jamaican so if you want anonymity then perhaps think again," said one expat in Kingston.

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What are the schools in Jamaica like?
"i would say go and look at the school for yourself. i am sure you will enroll your children. this was the only thing that really worried me coming to live in Jamaica, was finding a great school but we did," wrote an expat with kids at Belair school in Mandeville.
"Jamaica is home to a variety of schools, from international schools to bilingual schools.Notable international schools in Jamaica include St. Andrew's School, an independent, non-denominational school founded in 1962, which has a rich tradition of academic excellence and a reputation for superior educational outcomes. The school offers a wide range of courses from Preschool to Grade 12 and provides a holistic educational experience for students. Campion College is another impressive international school that holds a commitment to academic excellence and provides students with a high quality educational program. Students are provided with an environment in which they can participate in a range of activities such as music, drama, sports, and community service. Kingston College is another well-known international school that provides a cutting-edge education and an environment to learn and thrive. As far as bilingual schools, the Jamaica Bilingual Academy is an excellent option. Located on the outskirts of Kingston, it provides an exceptional education in both Spanish and English. In addition to the standard primary and secondary school curriculum, the school also offers clubs and activities to engage students, boost their academic performance, and prepare them for the world outside of school," commented one expat when asked about in Jamaica.
Is the cost of living in Jamaica high?
We asked people how much they someone comfortably live on in Jamaica, they wrote:
"The cost of living in Jamaica varies depending on the location, goods and services purchased, and other factors. Generally, the cost of rent and utilities is lower than in other parts of the world, while food, healthcare, and other goods are similarly priced. This can be a great advantage to those looking to get more out of their money. Additionally, the cost of a night out - such as going to a restaurant or bar - is usually quite affordable. Jamaica is also home to a wide variety of different leisure activities, ranging from the beach to night clubs, which make it easy to find entertainment to fit any budget," remarked one expat living in Jamaica.
"I have now been here (Montego Bay) for 2 years. Attempting to compare Cost of Living between the U.S. and Jamaica is difficult as it depends on where you are in the U.S. and your style of living. Housing: Housing rental prices here are all over the place, depends on the location, amenities and honestly the owner. We currently have a 2 bedroom - 2 batch in a 6 unit building in Westgate Hills with security gate, parking, 2 balconies... and not a shoe-box!, decent kitchen and honestly is a step above some of the places I lived in south Florida at twice the cost! Our rent is $60K (~$480 USD) per month. We're moving in January to a 3 bedroom & 3 bath home in St. Ann with a cost of $110K (~$850 USD) per month. The same home in south Florida would be around ~$2000 USD per month. Gated communities especially those that cater to expats will cost more! If you don't need to be in Kingston or Mobay you'll pay less in most of the rest of the island. Food: Food prices are all over the place. You'll pay a little more for U.S. products (shipping & duty) however the local products are generally cheaper. Our monthly grocery bill for my wife & I runs ~$50K - $60K per month or about $350 - $400 USD. I should point out that we eat pretty well as I enjoy cooking and we always but a couple bottles of wine (which isn't cheap here). Example: Iberia Extra Virgin Olive Oil Walmart: $4 USD and Progressive: $650 ($5.25 USD) Dining Out: We go out a lot for dinner & entertainment and roughly $200 - $300 USD per month Electric: $12K - $16K ($90 - $130 USD) depending on time of year. We do have air conditioning which is used primarily May to November. Also have a washing machine and all my electronics. Water: $3000 per month ($24 USD) Cable: $5000 per month ($40 USD) We only have Internet and not cable TV. We've "Cut-the-cord". Car Payment: $25K ($200 USD) per month Car Insurance: $8K ($65 USD) per month So in summary our monthly living expenses are roughly $1800 USD per month (for 2 - based on the new housing cost next month & NOT including dining out). When I lived in south Florida my monthly expenses (I was single) was well over $3000 USD per month. Medical, dental & vision is less expensive here (for even top level service) Cars & Gas is more expensive Electronics, Appliances, Furniture are generally more Clothing about the same however you'll have a difficult time finding higher end clothing. We import a lot of stuff that we CAN'T find here such as health & beauty, electronics and clothing," commented one expat living in Montego Bay, Jamaica.
"The cost of living in Jamaica depends heavily on the location. Cities like Kingston and Montego Bay have a higher cost of living than rural areas. A nice one bedroom apartment in Jamaica can run anywhere from USD$370 to USD$600 per month depending on the location. Two bedroom apartments can cost between USD$550 and USD$900 per month. Eating out in Jamaica can be quite expensive, with a moderately priced dinner costing around USD$25 to USD$35 per person," remarked one expat living in Jamaica.
What type of recreational facilities are in Jamaica?
When we asked people living in Jamaica about recreational activities, they mentioned:
"Residents of Jamaica enjoy a variety of recreational facilities, including beaches, parks, golf courses, and tennis courts. There are also many outdoor activities such as hiking, biking, and horseback riding. For those who prefer indoor activities, there are bowling alleys, movie theaters, and arcades. Jamaica also has a vibrant nightlife, with many bars, clubs, and restaurants. Additionally, there are a variety of cultural attractions, such as museums, galleries, and historic sites," said an expat in Jamaica.
What is the weather like in Jamaica?
"The weather in Jamaica is typically warm and sunny, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit throughout the year. The rainy season usually runs from May to October, with occasional showers and thunderstorms. The island is also prone to hurricanes during the summer months," said an expat in Jamaica.
Are there good restaurants in Jamaica?
"One of Jamaica's most beloved restaurants is Usain Bolt's Tracks & Records, located in Kingston. This restaurant is a tribute to the world's fastest man, Usain Bolt, and serves up a variety of Jamaican dishes with a modern twist. The restaurant also features a sports bar, live music, and a rooftop terrace with stunning views of the city. Another popular restaurant in Jamaica is Scotchies, located in Montego Bay. This restaurant is known for its jerk chicken, which is marinated in a special blend of spices and cooked over an open flame. The restaurant also serves up a variety of other Jamaican dishes, such as curried goat, oxtail, and rice and peas. Finally, the Pelican Grill in Negril is a favorite among locals and tourists alike. This beachfront restaurant serves up a variety of seafood dishes, including grilled lobster, conch fritters, and grilled fish. The restaurant also offers a variety of tropical cocktails and a stunning view of the Caribbean Sea," remarked one expat living in Jamaica.
Where will I buy groceries and do other shopping in Jamaica?
"People living in Jamaica typically buy groceries and do other shopping at local supermarkets, convenience stores, and markets. Additionally, many people in Jamaica shop at roadside stands and farmers markets for fresh produce and other items. Shopping malls and department stores are also popular places to buy clothing, electronics, and other items," remarked one expat in Jamaica.
"For the freshest and best value fruits & vegetables go to the open-air market off Barnett Street. Progressive, MegaMart, Shoppers Fair & HiLo all good supermarkets. Chicken, pork, seafood/fish are plentiful and readily available. Beef is available and decent price but it's NOT USDA Prime! I've had some ribeye that I grilled on the bbq and they were decent, but not great. I tend to bypass beef most of the time except for ground beef. I did buy a couple T-Bone steaks (local western beef grain fed) the other day, $1522 / kg which works out to US$5.35 per pound. On average we spend about $12K a week on food/grocery for the 2 of us. That generally includes a couple bottles of wine... which there is NO 2 Buck Chuck here. Every couple weeks another $3K - $5K at the market for fruits & vegetables. In my opinion; the chicken, pork, fish and produce are better tasting and better for you than what you'll get in the states unless you grow/raise it yourself or buy pure organic," wrote one expat living in Montego Bay.
What are the visa & residency requirements in Jamaica?
"The process of applying for a visa to Jamaica usually involves submitting a completed application form, proof of financial means, a valid passport, and a return ticket. Depending on the nationality of the traveler, they may also need to provide additional documents such as visa letters, a medical certificate, or proof of hotel reservation. In order to apply for Jamaican residency, expats will first need a work permit and valid passport. The application documents needed for a work permit vary depending on the individual’s purpose for coming to Jamaica. After the initial work permit application is submitted, the individual is required to apply for a work permit exemption or a residency permit. In some cases, an application for naturalization is also required. After the initial application is approved, a visit to the closest Jamaican consulate is necessary to complete the necessary paperwork and be issued the resident status," mentioned an expat living in Jamaica.
Are healthcare and health insurance expensive in Jamaica?
"Ensure that you have insurance and don't take an unregulated taxi as it might not be insured. I was unfortunate to be in a pretty serious car crash here and it would have involved been horrendous health care costs without insurance," commented one expat living in Jamaica.
"Healthcare and health insurance in Jamaica can be expensive, especially for those without access to employer-sponsored health insurance plans. The cost of medical care in Jamaica is generally higher than in other Caribbean countries, and the cost of health insurance can be prohibitive for many people. Additionally, the quality of care in Jamaica is not always up to the standards of other countries, which can make it difficult to find affordable and reliable healthcare," remarked one expat living in Jamaica.

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About the Author
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.
Additional Information:
- Jamaica Guide
- Healthcare & Health Insurance in Jamaica
- Members Talk about Healthcare & Health Insurance in Jamaica
- Best Places to Live in Jamaica
- Guide to Real Estate in Jamaica
- Pros & Cons of Living in Jamaica
- Cost of Living in Jamaica
- Enrolling in the Public Healthcare System in Jamaica
- 10 Best Places for Families to Live in Jamaica
- Getting a Driver's License in Jamaica
- 15 Best Places to Live in Jamaica
- 2025 Guide to Living in Jamaica
- Pros and Cons of Living in Jamaica 2025
- 2025 Guide to Moving to Jamaica