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Umm Al Quwain, UAE: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Umm Al Quwain | Expat Exchange
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Umm Al Quwain, the UAE

By Betsy Burlingame

Last updated on Jan 07, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Umm Al Quwain, UAE. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know before moving to Umm Al Quwain?

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

"Expats moving to Umm Al Quwain should be aware that it is one of the smaller emirates, offering a quieter and more relaxed lifestyle compared to the bustling cities of Dubai and Abu Dhabi. The cost of living is generally lower, with more affordable housing options available. The local culture is deeply rooted in Islamic traditions, and expats are expected to respect these customs, particularly during the holy month of Ramadan. The official language is Arabic, but English is widely spoken, especially in business settings. The climate is hot and dry, with temperatures often exceeding 40 degrees Celsius in the summer. The healthcare system in Umm Al Quwain is of a high standard, with both public and private facilities available. However, it is advisable for expats to have comprehensive health insurance. The UAE has strict laws and regulations, particularly regarding alcohol consumption, dress code, and public behavior. It is important for expats to familiarize themselves with these laws to avoid any legal issues. The education system in Umm Al Quwain offers a variety of options, including public, private, and international schools. The emirate is well-connected by road to the rest of the UAE, making it easy to travel to other cities for work or leisure. However, public transportation within Umm Al Quwain is limited, so having a car can be beneficial. Finally, while Umm Al Quwain offers a peaceful and laid-back lifestyle, it may not offer the same level of entertainment and leisure activities as the larger cities, so expats should be prepared for a quieter pace of life," commented one expat who made the move to Umm Al Quwain.

How do I find a place to live in Umm Al Quwain?

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

"Finding a place to live in Umm Al Quwain, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a studio apartment to a villa, depending on your needs and financial capacity. Next, you should research the different neighborhoods in Umm Al Quwain to find one that suits your lifestyle and preferences. Some popular areas include Al Salamah, Al Raas, and Al Aahad. Consider factors such as proximity to work or school, availability of amenities, and the overall safety and cleanliness of the area. Once you've identified potential neighborhoods, you can start your property search. There are several online real estate platforms that list properties for rent or sale in Umm Al Quwain, such as Property Finder, Bayut, and Dubizzle. These websites allow you to filter your search based on location, property type, size, and price range. Alternatively, you can engage the services of a real estate agent. They can provide you with expert advice and guide you through the process, making it less stressful. Make sure to choose a reputable agent who is registered with the Real Estate Regulatory Agency in the UAE. After shortlisting potential properties, arrange for viewings. This will give you a better idea of the property's condition, the neighborhood, and whether it meets your needs and expectations. Once you've found a property you like, you'll need to negotiate the terms of the lease or purchase agreement. This includes the price, duration of the lease (if renting), and any other conditions. Finally, once the agreement is finalized, you'll need to sign the contract and make the necessary payments. If you're renting, this typically includes the first month's rent and a security deposit. If you're buying, you'll need to pay the agreed purchase price and any associated fees. Remember, it's important to read and understand all the terms and conditions before signing any contract. If in doubt, seek legal advice," said one expat in Umm Al Quwain.

What is a typical expat home or apartment like in Umm Al Quwain?

"Expat homes or apartments in Umm Al Quwain, are typically modern and spacious, designed to provide a comfortable living environment. They often come fully furnished with contemporary furniture and appliances. The living room is usually large and airy, often with floor-to-ceiling windows that let in plenty of natural light. The kitchen is typically equipped with modern appliances, including a refrigerator, stove, and sometimes a dishwasher. Bedrooms are usually spacious, with built-in wardrobes for storage. Some apartments may also have a master suite with an attached bathroom. Bathrooms are typically modern and clean, often equipped with a shower and bathtub. Many expat homes also come with amenities such as a private balcony or terrace, offering views of the city or the sea. Some apartments may also have access to shared facilities like a swimming pool, gym, or children's play area. The location of these homes is also a key feature. They are often situated in safe and secure residential areas, close to supermarkets, restaurants, and other essential services. Some may be located within expat communities, providing a sense of camaraderie and support. Despite the hot climate of the UAE, these homes are designed to stay cool, often featuring air conditioning and tiled floors. The architecture and design of these homes often reflect a blend of traditional Arabic and modern Western styles, creating a unique living experience. In terms of utilities, most expat homes in Umm Al Quwain come with high-speed internet, satellite TV, and other modern conveniences. Some may also include a maid's room or a laundry room. Overall, expat homes in Umm Al Quwain offer a comfortable and convenient living environment, designed to meet the needs of expats living in the UAE," remarked one expat living in Umm Al Quwain, the UAE.

What is the average cost of housing in Umm Al Quwain?

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

"The average cost of housing in Umm Al Quwain varies greatly depending on the type and size of the property. For instance, a one-bedroom apartment in the city center may cost significantly less than a large, luxurious villa in a prime location. However, on average, housing in Umm Al Quwain is generally considered to be more affordable compared to other emirates in the UAE. As of recent data, the cost of renting a one-bedroom apartment in the city center is typically lower, while larger three-bedroom apartments and villas can command higher prices. The cost of buying property in Umm Al Quwain also varies, but is generally lower compared to cities like Dubai and Abu Dhabi," wrote one member in Umm Al Quwain.

What should I bring when moving to Umm Al Quwain?

People living in Umm Al Quwain were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Umm Al Quwain, it's important to pack lightweight and breathable clothing due to the hot and humid climate. You should also pack a good supply of sunscreen, sunglasses, and a hat to protect yourself from the intense sun. Remember to pack modest clothing as well, respecting the local culture and customs. This includes long skirts, trousers, and shirts that cover your shoulders for women, and long trousers and shirts for men. Pack your essential documents such as passport, visa, driver's license, and medical records. Also, bring any necessary prescription medications along with the prescription itself. Don't forget to pack your electronics like your laptop, phone, chargers, and an adapter as the UAE uses a different plug type. If you're planning to swim, pack a swimsuit, but remember that modesty is key, so avoid very revealing swimwear. Pack a good pair of comfortable shoes for walking around, as well as a pair of sandals for the beach. Bring toiletries, but keep in mind that most items can be purchased there. However, if you have specific brands you prefer, it's better to bring them with you. Lastly, pack some home comforts to help you settle in, such as photos, favorite snacks, or anything else that might make your new place feel more like home," explained one expat living in Umm Al Quwain, the UAE.

Where should I setup a bank account in Umm Al Quwain?

We asked expats in Umm Al Quwain what banks they use and there advice about banking. They advised:

"Expats considering retirement in Umm Al Quwain, should be aware that the cost of living can be high, particularly for housing and healthcare. They should also know that the official language is Arabic, although English is widely spoken. The UAE has a hot desert climate, with extremely high temperatures in the summer. Expats should be aware of the UAE's strict laws and customs, which include restrictions on alcohol consumption and dress codes for women. They should also know that the UAE has a zero-tolerance policy for illegal drugs. Healthcare in the UAE is of a high standard, but it can be expensive, so expats should ensure they have comprehensive health insurance. The UAE has a mandatory retirement age of 60 for expats, although this can be extended to 65 in certain circumstances. Expats should also be aware that the UAE does not levy income tax, which can make it an attractive retirement destination for those with significant savings or pensions. However, the cost of living can be high, particularly in areas popular with expats. The UAE has strict laws on property ownership, and expats should seek legal advice before purchasing property. Finally, expats should be aware that the UAE has strict laws on public behavior and morality, and violations can result in heavy fines or imprisonment," wrote one member in Umm Al Quwain.

What do expats in Umm Al Quwain appreciate most about the local culture?

"Expats in Umm Al Quwain, often appreciate the local Emirati hospitality, which is deeply ingrained in the culture. They are often impressed by the locals' friendliness and willingness to help. The peaceful and relaxed lifestyle of Umm Al Quwain is also highly appreciated by expats, as it offers a stark contrast to the hustle and bustle of larger cities. The rich history and heritage of the region, visible in its architecture and local customs, is another aspect that expats find fascinating. Many also appreciate the safety and security that the UAE provides, making it a comfortable place for families. The cultural diversity is another aspect that is highly valued, as it allows expats to meet and interact with people from various cultural backgrounds. Lastly, the respect for traditions and the local efforts to preserve them is something that expats in Umm Al Quwain deeply appreciate," remarked one expat who made the move to Umm Al Quwain.

What do expats find most challenging?

"Expats in Umm Al Quwain often find the language barrier to be a significant challenge, as Arabic is the official language and not everyone is fluent in English. The strict adherence to Islamic customs and traditions can also be difficult for expats to navigate, especially for those who are not familiar with or do not practice the religion. This includes dress codes, dietary restrictions, and prayer times. The extreme heat and harsh climate can also be a challenge for those not accustomed to such conditions. Additionally, the slower pace of life and the concept of 'Arab time', where punctuality is not always prioritized, can be frustrating for expats used to more time-sensitive cultures. Lastly, the strict laws and regulations, particularly those related to alcohol consumption and public behavior, can be challenging for expats to adapt to," wrote one member in Umm Al Quwain.

Is there a lot of crime in Umm Al Quwain?

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

"Umm Al Quwain, like most parts of the United Arab Emirates, is generally considered safe with a low crime rate. The UAE has strict laws and regulations that contribute to maintaining safety and security. However, like any other place in the world, minor crimes such as petty theft or scams may occur. Violent crimes are extremely rare. The local police are efficient and responsive to any reported incidents. It's always advisable for residents and visitors to take standard precautions to protect their personal safety and belongings," remarked one expat living in Umm Al Quwain, the UAE.

What are the schools in Umm Al Quwain like?

"1. Elite American Private School: This school offers an American curriculum from kindergarten to grade 12. It aims to provide a holistic education that encourages students to excel acadically, socially, and personally. The school's website is http://eliteamericanprivateschool.com/. 2. The English School Umm Al Quwain: This school follows the British curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.englishschooluaq.com/. 3. The International School of Choueifat Umm Al Quwain: This school is part of the SABIS network of schools and offers a rigorous, internationally-oriented, college-preparatory curriculum for students from kindergarten to grade 12. The school's website is https://iscuaq.sabis.net/. 4. The Oxford School Umm Al Quwain: This school follows the British curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.oxforduaq.com/. 5. The Indian School Umm Al Quwain: This school follows the Indian curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.indianschooluaq.com/. 6. The Pakistan Islamia Higher Secondary School Umm Al Quwain: This school follows the Pakistani curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.pihssuaq.com/. 7. The Philippine School Umm Al Quwain: This school follows the Philippine curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.philippineschooluaq.com/. 8. The Arab Unity School Umm Al Quwain: This school follows the UAE curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.arabunityschooluaq.com/. 9. The British International School Umm Al Quwain: This school follows the British curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.britishinternationalschooluaq.com/. 10. The American International School Umm Al Quwain: This school follows the American curriculum and caters to students from kindergarten to grade 12. It aims to provide a nurturing environment where students can develop their skills and talents. The school's website is http://www.americaninternationalschooluaq.com/," said one parent with children at in Umm Al Quwain.

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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