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San Fernando, Trinidad & Tobago: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in San Fernando | Expat Exchange
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San Fernando, Trinidad & Tobago

By Joshua Wood, LPC

Last updated on Sep 11, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in San Fernando, Trinidad & Tobago: Cost of living, Finding a home, Meeting People and more.

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What do I need to know before moving to San Fernando?

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

"San Fernando is the second largest city in Trinidad and Tobago, known for its vibrant culture, friendly locals, and beautiful landscapes. Before moving, expats should be aware of several key factors. Firstly, English is the official language of Trinidad and Tobago, but the local dialect can be difficult to understand at first. It's a mix of English, Spanish, Hindi, and African languages, reflecting the country's diverse heritage. The cost of living in San Fernando is relatively low compared to many Western countries. However, imported goods can be expensive due to high import taxes. It's advisable to live like a local and buy locally produced goods whenever possible. The climate in San Fernando is tropical, with high temperatures and humidity year-round. There is a rainy season from June to December, and a dry season from January to May. Expats should be prepared for this climate and pack accordingly. Public transportation in San Fernando is not very reliable. Many expats choose to buy or rent a car for convenience. Driving is on the left side of the road, and traffic can be heavy during peak hours. Healthcare facilities in San Fernando are adequate, but not up to the standards of Western countries. Expats are advised to have comprehensive health insurance that covers medical evacuation, in case of serious illness or injury. San Fernando is generally safe, but like any city, it has areas that are best avoided, especially at night. Expats should take common-sense precautions to protect their personal safety and belongings. The cuisine in San Fernando is a blend of Indian, African, Creole, and Chinese influences. It's flavorful and spicy, with a lot of seafood, rice, and fresh fruits and vegetables. Expats with dietary restrictions or allergies should be aware of this. Finally, Trinidad and Tobago has a relaxed, laid-back culture. The locals are friendly and welcoming, but things may not always run on time. Patience and a sense of humor are essential for adjusting to life in San Fernando," said one expat who made the move to San Fernando.

How do I find a place to live in San Fernando?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in San Fernando involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a single room to a full house, depending on your needs and financial capability. Next, you should research the different neighborhoods in San Fernando to find one that suits your lifestyle and preferences. Some areas might be closer to amenities like shops, restaurants, and public transportation, while others might be quieter and more residential. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rentals in San Fernando, such as Property Finder TT, Terra Caribbean, and Pin.tt. These websites allow you to filter your search based on location, price, and type of property, making it easier to find options that match your criteria. In addition to online listings, you can also contact local real estate agents who can help you find a place to live. They have extensive knowledge of the local market and can provide valuable advice and assistance. When you find a property that you're interested in, arrange a viewing with the landlord or real estate agent. This will give you a chance to inspect the property and ask any questions you might have. Finally, once you've found a place that you're happy with, you'll need to negotiate the terms of the lease, pay any necessary deposits, and sign the rental agreement. Make sure to read the contract carefully and understand all the terms before signing. Remember, finding a place to live can take time, so it's important to be patient and not rush the process," explained one expat living in San Fernando, Trinidad & Tobago.

What is a typical expat home or apartment like in San Fernando?

"A typical expat home or apartment in San Fernando, Trinidad and Tobago, is often located in a safe and secure neighborhood. These homes are usually spacious, featuring multiple bedrooms and bathrooms, a large living area, and a fully equipped kitchen. Some homes may also have a separate dining area. The architecture often reflects a blend of Caribbean and colonial styles, with high ceilings, large windows, and sometimes, wooden floors. Many homes come with a garden or a yard, providing a private outdoor space. Some may even have a swimming pool or a patio area, perfect for outdoor entertaining. The apartments, on the other hand, often come with balconies offering panoramic views of the city or the sea. These homes are usually furnished, with modern appliances and amenities such as air conditioning, internet connection, and cable TV. They are often located close to essential services like supermarkets, schools, and healthcare facilities. Some may be part of a gated community, offering additional amenities like a communal pool, gym, and 24-hour security. Despite being in a bustling city, these homes often provide a peaceful and quiet living environment. They offer a comfortable and luxurious lifestyle, making them a popular choice among expats living in San Fernando, Trinidad and Tobago," said one expat who made the move to San Fernando.

What is the average cost of housing in San Fernando?

If you are thinking about moving to San Fernando, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in San Fernando, Trinidad and Tobago can vary greatly depending on the type, size, and location of the property. For instance, a modest family home in a residential area might cost around a few hundred thousand Trinidad and Tobago dollars, while a luxury property in a prime location could cost several million. Apartments and condos tend to be less expensive, with prices often falling in the mid-hundred-thousand range. However, these are just averages and prices can fluctuate based on market conditions and other factors," remarked one expat living in San Fernando, Trinidad & Tobago.

Where should I setup a bank account in San Fernando?

We asked expats in San Fernando what banks they use and there advice about banking. They advised:

"Before retiring in San Fernando, expats should know that the official language is English, making communication relatively easy for English speakers. The cost of living is generally lower than in many Western countries, but it can vary depending on lifestyle and location. Healthcare in Trinidad & Tobago is of a good standard, with both public and private facilities available, but expats often opt for private healthcare insurance. San Fernando is the second largest city in Trinidad and Tobago, offering a mix of urban and suburban living. It has a tropical climate with a wet and dry season, so expats should be prepared for high humidity and rainfall, particularly between June and December. The city is multicultural with a mix of cultures and religions, including Christianity, Hinduism, and Islam. Expats should also be aware that while Trinidad and Tobago is generally safe, crime can be an issue, particularly in certain areas and at night. Therefore, it's important to take standard precautions such as avoiding isolated areas after dark and securing homes properly. The local cuisine is a blend of African, Indian, European and Chinese influences, with a focus on fresh, local ingredients. Expats should also note that the currency is the Trinidad and Tobago dollar, and while US dollars are accepted in some places, it's best to have local currency on hand. Lastly, expats should understand the local customs and etiquette. Trinidadians are known for their friendliness and hospitality, but they also value respect and good manners. It's important to greet people politely and respect local traditions and festivals," said one expat in San Fernando.

What do expats in San Fernando appreciate most about the local culture?

"Expats in San Fernando often appreciate the warm and friendly nature of the locals, who are known for their hospitality and willingness to help newcomers feel at home. They also enjoy the vibrant and diverse culture, which is a blend of African, Indian, European, and indigenous influences. This is reflected in the music, dance, festivals, and especially the food, which is a unique fusion of flavors from around the world. Expats also appreciate the laid-back lifestyle and slower pace of life, which is a refreshing change from the hustle and bustle of many Western cities. The natural beauty of the island, with its stunning beaches, lush rainforests, and diverse wildlife, is another aspect of life in Trinidad & Tobago that expats greatly appreciate," remarked one expat living in San Fernando, Trinidad & Tobago.

What do expats find most challenging?

"Expats in San Fernando often find the local dialect, a unique blend of English, Hindi, Spanish, and African languages, challenging to understand and speak fluently. The laid-back, 'island time' attitude can also be a significant adjustment for those used to a more fast-paced, punctual lifestyle. The high crime rate, particularly in certain areas, can be a concern for expats, making personal safety a constant consideration. The heat and humidity of the tropical climate can also be difficult to adjust to, particularly for those from cooler climates. Additionally, navigating the local bureaucracy can be a challenge, with processes often being slow and complicated. Lastly, while Trinidad & Tobago is a multicultural society, some expats may experience culture shock due to differences in social norms, customs, and traditions," commented one expat who made the move to San Fernando.

"People lie, people don't do anything perfect, they are lazy, they have no pride in what they do, they have no aspiration to achieve a goal," remarked one expat living in San Fernando, Trinidad & Tobago.

Is there a lot of crime in San Fernando?

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

"San Fernando, Trinidad and Tobago, like many urban areas, does experience crime. The city has been grappling with issues such as theft, burglary, and violent crimes. Drug trafficking and gang-related activities are also prevalent, contributing to the city's crime rate. However, it's important to note that the government and local law enforcement agencies are actively working to combat these issues, implementing various measures to improve safety and security. Despite these challenges, many parts of San Fernando remain safe and welcoming to both residents and visitors," said one expat who made the move to San Fernando.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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