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

By Betsy Burlingame

Last updated on Mar 04, 2024

Summary: The approximate population of Micronesia is around 115,000 people. The largest cities in Micronesia are Palikir, the capital, and Kolonia, the largest city. Expats love living in Micronesia for its laid-back lifestyle, stunning beaches, and friendly locals. People describe life in Micronesia as relaxed and peaceful, with a strong sense of community. Foods popular in Micronesia include seafood, rice, taro, and tropical fruits. The cons of living in Micronesia include limited job opportunities, limited access to modern amenities, 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, food, utilities, and other expenses.

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What do I need to know about living in Micronesia?

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

"Before retiring in Micronesia, expats should be aware of the cost of living, which is generally higher than in other countries. Additionally, expats should research the availability of healthcare services and the quality of care. It is also important to be aware of the local culture and customs, as well as the language, to ensure a smooth transition. Expats should also research the climate and geography of the area to ensure they are comfortable with the environment. Finally, expats should research the visa and residency requirements for living in Micronesia," said one expat who made the move to Micronesia.

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How do I meet people in Micronesia?

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

"Expats in Micronesia often join local clubs and activities such as sailing, fishing, and diving. Expats can also join local sports teams, attend cultural events, or join a church or other religious organization. Additionally, expats can meet people by attending local festivals, visiting local restaurants and bars, or by joining online expat groups," remarked one expat who made the move to Micronesia.

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

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What is life like in Micronesia?

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

"Life for expats and digital nomads in Micronesia can be quite rewarding. The islands are known for their stunning natural beauty, with crystal clear waters, lush jungles, and white sand beaches. The locals are friendly and welcoming, and the cost of living is relatively low. There are plenty of activities to keep you busy, from snorkeling and diving to exploring the local culture and cuisine. The internet infrastructure is good, making it easy to stay connected with the rest of the world. With its laid-back atmosphere and stunning scenery, Micronesia is an ideal destination for expats and digital nomads," wrote one member in Micronesia.

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Is there a lot of crime in Micronesia?

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

"Crime is not a major issue in Micronesia. However, there have been reports of theft, burglary, and other property crimes. Drug trafficking and smuggling are also a concern in some areas. In addition, there have been reports of domestic violence and sexual assault. The government of Micronesia is working to address these issues and ensure the safety of its citizens," commented one expat who made the move to Micronesia.

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

"Yes, there is a lot of diversity in Micronesia. People in Micronesia are generally accepting of differences, and the culture is known for its hospitality and openness to visitors. The population is made up of many different ethnic groups, including Chamorro, Carolinian, Yapese, Palauan, and Pohnpeian, among others. Additionally, there is a large expatriate population from the United States, Japan, and other countries. People in Micronesia are generally welcoming and tolerant of different cultures, religions, and lifestyles," remarked one expat living in Micronesia.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What are the schools in Micronesia like?

"The International School of Chuuk (ISOC) is a private, non-profit, co-educational school located in Weno, Chuuk, Federated States of Micronesia. It offers a bilingual education in English and Chuukese, and provides a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Western Association of Schools and Colleges (WASC) and is a member of the East Asia Regional Council of Overseas Schools (EARCOS). ISOC is committed to providing a quality education to its students, and its mission is to “develop the whole person, intellectually, physically, emotionally, and spiritually.” The Yap Catholic High School (YCHS) is a private, co-educational school located in Colonia, Yap, Federated States of Micronesia. It offers a bilingual education in English and Yapese, and provides a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Western Association of Schools and Colleges (WASC) and is a member of the East Asia Regional Council of Overseas Schools (EARCOS). YCHS is committed to providing a quality education to its students, and its mission is to “develop the whole person, intellectually, physically, emotionally, and spiritually.” The Kosrae International School (KIS) is a private, non-profit, co-educational school located in Tofol, Kosrae, Federated States of Micronesia. It offers a bilingual education in English and Kosraean, and provides a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Western Association of Schools and Colleges (WASC) and is a member of the East Asia Regional Council of Overseas Schools (EARCOS). KIS is committed to providing a quality education to its students, and its mission is to “develop the whole person, intellectually, physically, emotionally, and spiritually.”," explained one expat living in Micronesia.

Is the cost of living in Micronesia high?

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

"The cost of living in Micronesia is generally considered to be relatively low compared to other countries. Prices for basic necessities such as food, housing, and transportation are generally lower than in other countries. However, the cost of imported goods and services can be quite high due to the country's remote location. Additionally, the cost of living can vary significantly depending on the island or region of Micronesia," explained one expat living in Micronesia.

"The cost of living in Micronesia is generally considered to be quite low. The cost of living is higher in the larger cities such as Pohnpei and Kosrae, compared to the rest of the country. The rental price for a nice 1 bedroom apartment in Micronesia is around $500 USD per month, while a nice 2 bedroom apartment is around $700 USD per month. Eating dinner at a moderately priced restaurant in Micronesia will cost around $15 USD per person," said an expat in Micronesia.

What type of recreational facilities are in Micronesia?

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

"Residents of Micronesia enjoy a variety of recreational activities, such as swimming, snorkeling, and fishing in the crystal-clear waters of the Pacific Ocean. There are also numerous hiking trails and beaches for exploring the lush tropical forests and coral reefs. Other popular activities include kayaking, sailing, and windsurfing. For those looking for a more relaxed experience, there are plenty of parks and gardens to explore, as well as cultural sites and museums. Additionally, there are several golf courses and tennis courts available for those looking to practice their skills," remarked one expat living in Micronesia.

What is the weather like in Micronesia?

"The weather in Micronesia is typically hot and humid, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit throughout the year. The rainy season usually runs from May to October, with the heaviest rainfall occurring in July and August. The dry season runs from November to April, with the driest months being January and February," mentioned an expat living in Micronesia.

Are there good restaurants in Micronesia?

"One of the most popular restaurants in Micronesia is the Palms Restaurant, located in the capital city of Palikir. The Palms Restaurant offers a variety of local and international cuisine, including fresh seafood, local fruits and vegetables, and traditional dishes. The restaurant also offers a wide selection of wines and spirits, as well as a full bar. The atmosphere is relaxed and inviting, and the staff is friendly and attentive. Another popular restaurant in Micronesia is the Blue Lagoon Restaurant, located in the city of Kolonia. The Blue Lagoon Restaurant offers a variety of local and international cuisine, including fresh seafood, local fruits and vegetables, and traditional dishes. The restaurant also offers a full bar and a wide selection of wines and spirits. The atmosphere is relaxed and inviting, and the staff is friendly and attentive. The Islander Restaurant, located in the city of Pohnpei, is another popular restaurant in Micronesia. The Islander Restaurant offers a variety of local and international cuisine, including fresh seafood, local fruits and vegetables, and traditional dishes. The restaurant also offers a full bar and a wide selection of wines and spirits. The atmosphere is relaxed and inviting, and the staff is friendly and attentive. Finally, the Coconut Tree Restaurant, located in the city of Chuuk, is another popular restaurant in Micronesia. The Coconut Tree Restaurant offers a variety of local and international cuisine, including fresh seafood, local fruits and vegetables, and traditional dishes. The restaurant also offers a full bar and a wide selection of wines and spirits. The atmosphere is relaxed and inviting, and the staff is friendly and attentive," remarked one expat living in Micronesia.

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

"People living in Micronesia typically buy groceries and do other shopping at local markets, convenience stores, and supermarkets. Many of these stores are located in larger towns and cities, and some may also be found in smaller villages. Additionally, some people may shop online for groceries and other items," said an expat in Micronesia.

What are the visa & residency requirements in Micronesia?

"Visitors to Micronesia must obtain a visa prior to arrival. The process of applying for a visa involves submitting an application form, a valid passport, and a passport-sized photograph to the nearest Micronesian embassy or consulate. The application must also include proof of sufficient funds to cover the duration of the stay. The process of applying for residency in Micronesia involves submitting an application form, a valid passport, and a passport-sized photograph to the nearest Micronesian embassy or consulate. The application must also include proof of sufficient funds to cover the duration of the stay, as well as evidence of employment or other means of support. Additionally, applicants must provide evidence of a clean criminal record and a medical certificate. Once the application is approved, the applicant will be issued a residency permit," commented one expat living in Micronesia.

Are healthcare and health insurance expensive in Micronesia?

"Healthcare and health insurance in Micronesia can be expensive, especially for those who are not covered by an employer-sponsored health insurance plan. The cost of medical care in Micronesia is higher than in many other countries, and the cost of health insurance can be prohibitively expensive for many people. Additionally, the availability of health insurance plans in Micronesia is limited, making it difficult for individuals to find a plan that meets their needs," commented one expat living in Micronesia.

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

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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William Russell

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