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Belmopan, Belize: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Belmopan | Expat Exchange
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Belmopan, Belize

By Betsy Burlingame

Last updated on Nov 07, 2024

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

William Russell
William Russell
William Russell
William Russell

What do I need to know about living in Belmopan?

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

"Belmopan, the capital of Belize, is a popular retirement destination for expats due to its tropical climate, English-speaking population, and affordable cost of living. Before retiring in Belmopan, it's important to understand the local culture, lifestyle, and legal requirements. Firstly, Belize has a Qualified Retired Persons (QRP) program that allows retirees to live in the country tax-free, but they must meet certain income requirements. Expats should consult with a legal expert to understand the specifics of this program. Healthcare in Belize is generally affordable, but it may not meet the standards that expats from developed countries are accustomed to. It's recommended to have a comprehensive health insurance plan that covers medical evacuation. The cost of living in Belmopan is relatively low compared to many Western countries. However, imported goods can be expensive, so it's advisable to adapt to local products and lifestyle. While English is the official language, Spanish is also widely spoken. Learning some basic Spanish phrases can be beneficial in daily life. Belmopan has a tropical climate with high humidity and rainfall. Expats should be prepared for this weather and protect their homes against potential damage from tropical storms. Public transportation in Belmopan is limited, so having a personal vehicle can be convenient. However, driving in Belize can be challenging due to poor road conditions in some areas. Safety can be a concern in certain parts of Belize. Expats should research and choose their neighborhoods carefully, and take standard precautions to protect their personal safety. Finally, it's important to understand that while Belmopan offers a relaxed lifestyle, it may not offer the same level of amenities, entertainment, and conveniences as larger cities. Therefore, it's advisable to visit Belmopan and spend some time there before making a decision to retire," remarked one expat living in Belmopan, Belize.

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What do I need to know before moving to Belmopan?

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

"Belmopan, the capital city of Belize, is a small city with a population of around 20,000 people. The official language is English, but Spanish, Creole, and Mayan languages are also spoken. The cost of living in Belmopan is relatively low compared to other countries, but it's higher than in other parts of Belize. The city has a tropical climate with a wet and dry season, and it's prone to hurricanes. Healthcare facilities in Belmopan are adequate for minor health issues, but for serious conditions, you may need to travel to Belize City or even outside the country. Belmopan is considered safe, but like any city, it has areas that are best avoided, especially at night. The city is not as developed as other capital cities, but it has basic amenities like supermarkets, restaurants, and schools. Public transportation is available but not always reliable, so having a car can be beneficial. The city is surrounded by nature, with plenty of opportunities for outdoor activities. The process of buying property as a foreigner in Belize is straightforward, but it's recommended to hire a local attorney to navigate the process. The Belizean dollar is pegged to the US dollar, and both currencies are accepted throughout the country. Belize has a retiree program that offers tax benefits to foreign retirees, but it requires proving a steady income. Lastly, while Belizeans are generally friendly and welcoming, it's important to respect local customs and traditions," commented one expat who made the move to Belmopan.

How do I find a place to live in Belmopan?

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

"Finding a place to live in Belmopan involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a larger house, depending on your needs and financial situation. Next, you should research the different neighborhoods in Belmopan to find one that suits your lifestyle and preferences. Some areas might be closer to amenities like shops and restaurants, while others might be more residential and quiet. Once you have a good idea of what you're looking for, you can start your search. There are several online real estate websites that list properties for rent or sale in Belmopan, such as Property in Belize, Century 21 Belize, and Belize Real Estate MLS. These websites allow you to filter by location, price, and type of property, making it easier to find options that match your criteria. In addition to online listings, you might also want to consider hiring a local real estate agent. They can provide valuable insight into the local market, help you negotiate prices, and guide you through the process of renting or buying a property in Belize. Once you've found a few potential options, you should arrange to view the properties in person. This will give you a better sense of the space, the condition of the property, and the surrounding area. It's also a good opportunity to ask any questions you might have about the property or the rental or purchase process. Finally, once you've found a place you like, you'll need to secure it by signing a lease or purchase agreement and paying any necessary deposits or fees. Be sure to read any contracts carefully and make sure you understand all the terms before signing. Remember, finding a place to live in a new city or country can take time, so it's important to be patient and keep an open mind. Good luck with your search," said one expat in Belmopan.

What is a typical expat home or apartment like in Belmopan?

"A typical expat home or apartment in Belmopan, is often a spacious, modern property with a blend of Belizean and Western architectural styles. These homes usually have multiple bedrooms and bathrooms, a large kitchen, and a living area. They are often equipped with modern amenities such as air conditioning, high-speed internet, and cable TV. Many homes also have outdoor spaces like a patio or a garden, where residents can enjoy the tropical climate. Some properties may even have a swimming pool or be located within a gated community for added security. The interiors are usually furnished, with decor that reflects the local culture. The homes are often located close to local markets, restaurants, and other amenities, making it convenient for expats. Despite being in the capital city, many homes are surrounded by lush greenery, offering a peaceful and serene living environment," said one expat in Belmopan.

What is the average cost of housing in Belmopan?

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

"The average cost of housing in Belmopan can vary greatly depending on the type and size of the property. However, it is generally more affordable compared to other capital cities. For instance, a modest house in the city can cost around a few hundred thousand Belize dollars, while renting an apartment can cost a few hundred to over a thousand Belize dollars per month. Luxury properties and large houses can cost significantly more. It's important to note that these are average prices and actual costs can vary based on location, amenities, and the current real estate market," remarked one expat who made the move to Belmopan.

How do I meet people in Belmopan?

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

"Belmopan, offers a variety of clubs and activities that expats can join to meet new people and immerse themselves in the local culture. Many expats join local sports clubs, such as football, basketball, or even water sports clubs, which are a great way to stay active and socialize. There are also various cultural clubs and organizations that focus on art, music, and local history, providing an excellent opportunity to learn more about Belizean culture. In addition to clubs, expats often participate in community events and festivals in Belmopan. These events are a great way to meet locals and other expats, and they often include music, food, and traditional Belizean activities. Volunteering is another popular activity among expats in Belmopan. Many choose to give back to the community by volunteering at local schools, hospitals, or non-profit organizations. This not only provides a sense of fulfillment but also helps to build strong connections within the community. Expats also meet people through language exchange programs. These programs pair up locals who want to learn a foreign language with expats who want to learn the local language. It's a win-win situation that fosters friendship and cultural exchange. Lastly, many expats in Belmopan meet people simply by being active in their neighborhood. Whether it's by joining a local gym, attending church services, or simply frequenting local shops and restaurants, being an active member of the community is one of the best ways to meet people when living in Belmopan, Belize," remarked one expat living in Belmopan, Belize.

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What should I bring when moving to Belmopan?

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

"When moving to Belmopan, you should pack lightweight and breathable clothing due to the tropical climate. Include items such as shorts, t-shirts, and sandals, but also pack a few long-sleeved shirts and pants for protection against mosquitoes. A rain jacket or umbrella is essential as Belize experiences a rainy season. Don't forget your swimsuit, as Belize has beautiful beaches and water activities are popular. Pack a hat, sunglasses, and plenty of sunscreen to protect against the strong sun. Bring any prescription medications you need, as well as a basic first aid kit. It's also a good idea to pack insect repellent and any specific toiletries you can't live without, as they may be hard to find or more expensive in Belize. If you plan on hiking or exploring the jungle, pack sturdy shoes and possibly some hiking gear. Remember to bring important documents such as your passport, driver's license, and any necessary visas or work permits. Lastly, pack a good quality camera or smartphone to capture the beautiful scenery and memories of your new home," wrote one member in Belmopan.

Where should I setup a bank account in Belmopan?

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

"Before retiring in Belmopan, expats should know that English is the official language, making communication easy for those from English-speaking countries. The cost of living is relatively low compared to many Western countries, but it's important to budget carefully as imported goods can be expensive. Healthcare facilities in Belmopan are adequate for routine check-ups and minor health issues, but for serious conditions, you may need to travel to a larger city or even out of the country. Expats should also be aware that Belize has a tropical climate with a wet and dry season, which may take some adjustment. The country's infrastructure is not as developed as in many Western countries, so power outages and internet disruptions can occur. Belize uses the Belize Dollar, but US dollars are widely accepted. Regarding residency, Belize offers a Qualified Retired Persons (QRP) program that allows individuals over 45 to establish official residency in Belize if they meet certain income requirements. However, this does not grant you the right to work in Belize. Safety can be a concern in some areas, so it's important to research and choose your neighborhood carefully. Finally, Belize is rich in natural beauty, with plenty of opportunities for outdoor activities, so it's a great place for retirees who enjoy an active lifestyle," commented one expat who made the move to Belmopan.

Will I be able to find a job in Belmopan?

When we asked people about industries and career opportunities in Belmopan, they reponded:

"Foreigners in Belmopan often work in various sectors such as tourism, education, and non-governmental organizations. Many find employment as tour guides, hotel managers, or in other hospitality roles due to the city's popularity as a tourist destination. Some foreigners work as teachers or administrators in international schools. Others work for NGOs, often in roles related to environmental conservation, healthcare, or community development. Additionally, there are foreigners who work in the real estate sector, catering to the expat community looking to buy or rent properties. Lastly, some foreigners in Belmopan are entrepreneurs who have started their own businesses, ranging from restaurants to retail shops," remarked one expat who made the move to Belmopan.

What is life like in Belmopan?

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

"Life for expats and digital nomads in Belmopan is generally relaxed and laid-back, with a slower pace of life compared to many Western countries. The city offers a mix of local culture and modern amenities, making it a comfortable place for foreigners to live and work. The cost of living is relatively low, allowing expats to enjoy a good quality of life on a modest budget. Belmopan is known for its friendly and welcoming locals, making it easy for expats to integrate into the community. English is the official language of Belize, which makes communication easy for English-speaking expats and digital nomads. The city is also relatively safe, with a low crime rate compared to other Central American cities. The city is surrounded by nature, with plenty of opportunities for outdoor activities such as hiking, bird watching, and exploring Mayan ruins. The weather is tropical, with warm temperatures year-round, which can be a draw for those looking to escape colder climates. However, there can be challenges for expats and digital nomads living in Belmopan. The internet speed can be slow and unreliable, which can be a problem for those who rely on it for work. Additionally, while healthcare in Belize is generally good, it may not be up to the standards that some expats are used to from their home countries. Despite these challenges, many expats and digital nomads find that the benefits of living in Belmopan outweigh the downsides. The city's laid-back lifestyle, friendly community, and beautiful surroundings make it a popular choice for those looking to live abroad," said one expat who made the move to Belmopan.

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What do expats in Belmopan appreciate most about the local culture?

"Expats in Belmopan often appreciate the laid-back and relaxed lifestyle that is a significant part of the local culture. They enjoy the friendly and welcoming nature of the Belizean people, who are known for their hospitality and warmth. The rich cultural diversity, with influences from Mayan, Creole, Garifuna, and Mestizo cultures, is also highly appreciated. Expats love the local cuisine, which is a delicious blend of these various cultures. They also value the strong sense of community and the importance placed on family and social connections. The local festivals and traditional celebrations are another aspect of the culture that expats enjoy, as they offer a chance to immerse themselves in the local traditions and customs. The natural beauty of Belmopan, with its lush landscapes and abundant wildlife, is also a significant part of the local culture that expats appreciate," wrote one member in Belmopan.

"What I did appreciate most: of course, the cheap price of buying fruits and vegetables at the public market, of eating dinner or lunch for less than 6 or 7 dollars. Professional services, such as dentistry work came at 75% less than at home in Canada," remarked one expat who made the move to Belmopan.

What do expats find most challenging?

"Expats in Belmopan often find the slow pace of life challenging, as the local culture values a relaxed approach to work and life, which can be frustrating for those used to a faster, more structured environment. The language barrier can also be a challenge, as while English is the official language, many locals speak Kriol or Spanish. Adjusting to the local cuisine, which is heavily based on rice, beans, and local fruits and vegetables, can also be difficult for some expats. Additionally, the high levels of poverty and lack of infrastructure can be shocking and difficult to navigate for those from more developed countries. Lastly, the tropical climate, with its high humidity and frequent rain, can be uncomfortable for those not used to such conditions," explained one expat living in Belmopan, Belize.

"The most challenging aspects of the new culture: 1) the absence of the concept of customer service: for example, even a glass of water is charged in a restaurant, mostly Chinese controlled 2) the necessity of renting or buying a car as taxi service in the evening and at night is not there 3)the concept of unexposed Sewers as sewers do not have cover 4)the rarity of night life: bars, coffee places," said one expat in Belmopan.

Is there a lot of crime in Belmopan?

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

"Belmopan, the capital city of Belize, does experience crime, like any other city. The types of crime range from petty theft and burglary to more serious offenses such as drug trafficking and violent crimes. However, it's important to note that the crime rate varies in different parts of the city, with some areas being safer than others. The Belizean government and local law enforcement agencies are actively working to reduce crime and improve safety. Tourists are generally safe but are advised to take standard precautions such as avoiding isolated areas, especially at night, and not displaying expensive belongings in public," explained one expat living in Belmopan, Belize.

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

"Belmopan is indeed a city rich in diversity. It is home to a mix of cultures, including Creole, Mestizo, Garifuna, Maya, Mennonite, Chinese, Indian, and others. This cultural diversity is reflected in the city's food, music, and festivals. The people of Belmopan are generally accepting of differences. They are known for their warm hospitality and open-mindedness towards different cultures and lifestyles. This acceptance is largely due to the city's multicultural background, which has fostered a community that values diversity and mutual respect. However, like any place, individual attitudes can vary," wrote one member in Belmopan.

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What are the schools in Belmopan like?

"Belmopan, the capital city of Belize, is home to several educational institutions that cater to both local and international students. One of the most notable is the Belize Christian Academy (BCA), a private, international, interdenominational Christian school. BCA offers education from pre-school to high school and follows an American-based curriculum. The school is accredited by the Association of Christian Schools International and the Southern Association of Colleges and Schools. More information can be found on their website: http://www.belizechristianacademy.com/. Another school is the Belmopan Comprehensive School, which is a bilingual institution that offers education from primary to secondary levels. The school is known for its focus on academic excellence and character development. They offer a curriculum that includes both Belizean and international content. More information can be found on their Facebook page: https://www.facebook.com/BelmopanComprehensiveSchool/. The University of Belize, although not a school, is the country's national and largest university. It offers a variety of programs in fields such as Agriculture, Natural Resources, Nursing, Education, and Management. The university is known for its commitment to providing quality education and fostering research and service to the community. More information can be found on their website: https://www.ub.edu.bz/. The Garden City Primary School is a bilingual school that offers education from pre-school to primary levels. The school is known for its commitment to providing a nurturing and stimulating environment where students can grow and learn. More information can be found on their Facebook page: https://www.facebook.com/Garden-City-Primary-School-111267133883763/. Lastly, the Belmopan Baptist High School is a Christian-based institution that offers education from primary to secondary levels. The school is known for its focus on academic excellence, spiritual growth, and character development. More information can be found on their website: http://www.belmopanbaptisthighschool.com/," explained one expat living in Belmopan, Belize.

What are the pros and cons of living in Belmopan?

Expats, digital nomads and retirees living in Belmopan responded:

"Expats and digital nomads appreciate Belmopan for its relaxed lifestyle and friendly, welcoming locals. They enjoy the city's natural beauty, including its lush greenery, wildlife, and proximity to stunning beaches and Mayan ruins. The cost of living is relatively low, making it an affordable place to live. The city's small size also means less traffic and congestion, which many find appealing. English is the official language, making it easier for expats to communicate and integrate into the local community. However, Belmopan also has its drawbacks. Some expats and digital nomads find the city's infrastructure lacking, with frequent power outages and unreliable internet service, which can be a significant issue for those who rely on the internet for work. The healthcare facilities are also limited and not up to the standards that some expats may be accustomed to. The city's small size also means fewer entertainment options and amenities compared to larger cities. The crime rate, while lower than in some other parts of Belize, is also a concern for some. Lastly, the hot and humid climate can be uncomfortable for those not used to tropical weather," commented one expat who moved to Belmopan.

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What type of social life can someone expect in Belmopan?

When we asked expats and global nomads about their social experiences in Belmopan, they replied:

"Expats, retirees, and digital nomads living in Belmopan typically have a vibrant and diverse social life. They often engage in various outdoor activities such as hiking, bird watching, and exploring the many natural parks and reserves. They also participate in local cultural events and festivals, which provide opportunities to interact with the local community and learn about their traditions and customs. Many expats and retirees join local clubs and organizations to meet like-minded individuals and make new friends. Digital nomads, on the other hand, often work in co-working spaces or cafes, which offer opportunities for networking and socializing. Dining out is also a popular social activity, with a variety of local and international cuisines available. Despite the relaxed pace of life, the expat community in Belmopan is quite active and offers plenty of opportunities for socializing and community involvement," wrote one expat living in Belmopan.

"Belmopan has a vibrant and diverse social scene. The city is known for its friendly and welcoming locals who are always ready to share their culture and traditions with visitors. There are numerous social events and festivals throughout the year, such as the Belmopan Day and the Belize Independence Day celebrations, which are filled with music, dance, and local cuisine. The city also has a variety of restaurants and bars where locals and tourists alike can enjoy a meal or a drink. These establishments often host live music events, providing a lively nightlife scene. Belmopan is also home to several sports clubs and recreational facilities, offering opportunities for socializing through activities like football, basketball, and cycling. The city's multicultural population, which includes people of Mayan, Creole, Garifuna, Mestizo, and expatriate descent, contributes to a rich and diverse social scene. This diversity is reflected in the city's food, music, and festivals. Despite being the capital city, Belmopan has a small-town feel, and the social scene is often described as laid-back and relaxed. The city's residents are known for their friendly and hospitable nature, making it easy for newcomers to feel at home. In terms of arts and culture, there are several galleries and cultural centers in Belmopan where locals and visitors can appreciate Belizean art and learn about the country's history and culture. Overall, the social scene in Belmopan is a blend of traditional Belizean culture and modern influences, offering a unique experience for both locals and visitors," mentioned one expat inBelmopan.

What advice to expats in Belmopan have about housing?

"Expats in Belmopan often advise newcomers to thoroughly research before deciding on a place to live. They suggest renting a place first before buying a property, as this allows you to get a feel for the area and understand the local real estate market. It's also recommended to hire a local real estate agent who can guide you through the process and help you avoid potential scams. Expats also advise to consider the location of the house in relation to amenities such as schools, hospitals, and shopping centers. They also suggest checking the security of the area, as some parts of Belmopan can be prone to crime. It's also important to consider the climate and potential for flooding in certain areas. Lastly, expats recommend negotiating the price, as it's common in Belize to haggle over real estate prices," said an expat in Belmopan.

What are medical services in Belmopan like?

When we asked expats and global nomads about the quality of medical care in Belmopan, they replied:

"Belmopan, offers a range of medical services to its residents and visitors. The city is home to the Western Regional Hospital, which provides general medical and surgical services. There are also several private clinics and pharmacies in the city that offer a variety of healthcare services. The medical staff in these facilities are well-trained and many of them speak English, making it easier for tourists to communicate their health concerns. However, for more serious or specialized medical conditions, patients may need to travel to larger cities or even out of the country. It's also important to note that while basic healthcare services are quite affordable in Belmopan, more complex treatments can be expensive. Therefore, it is recommended for visitors to have travel insurance that covers medical expenses," said one expat.

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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