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The Cayes, Belize: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in The Cayes | Expat Exchange
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San Pedro, Belize

The Cayes, Belize

By Betsy Burlingame

Last updated on May 12, 2024

Summary: The approximate population of The Cayes, Belize is around 10,000 people. People describe The Cayes as a laid-back, Caribbean-style town with a relaxed atmosphere and friendly locals. Expats love the low cost of living, the beautiful beaches, and the easy access to the rest of Belize. The weather in The Cayes is typically warm and humid, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit. The average cost of living in The Cayes for an expat is around $1,500 to $2,000 per month. The cost of a one bedroom apartment is around $500 to $700 per month, and a two bedroom apartment is around $700 to $900 per month.

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What do I need to know about living in The Cayes?

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

"Before retiring in The Cayes, expats should be aware of the cost of living, which is generally lower than in the United States. Expats should also research the availability of healthcare services and the quality of medical care in the area. Additionally, expats should familiarize themselves with the local culture and customs, as well as the language, to ensure a smooth transition. It is also important to research the local laws and regulations, as well as the tax implications of living in Belize. Finally, expats should consider the availability of amenities such as shopping, entertainment, and transportation," commented one expat who made the move to The Cayes.

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What do I need to know before moving to The Cayes?

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

"I’ll give the same advice everyone else gives, come by and stay a couple of months, visit different parts of the country THEN make your decision," wrote a member in San Pedro.

"Before moving to The Cayes, expats should be aware that the official language is English, although Spanish and Creole are also spoken. Expats should also be aware that the currency used is the Belize Dollar, and that US Dollars are widely accepted. Additionally, expats should be aware that the climate in The Cayes is tropical, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit. Expats should also be aware that the cost of living in The Cayes is relatively low, and that the area is known for its beautiful beaches and diverse wildlife. Finally, expats should be aware that the healthcare system in Belize is not as advanced as in other countries, and that medical insurance is recommended," commented one expat who made the move to The Cayes.

How do I find a place to live in The Cayes?

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

"The Cayes in Belize offer a variety of housing options for those looking to relocate. One option is to rent a house or apartment from a local landlord. There are also a number of real estate agents in the area who can help you find a suitable property. Additionally, there are a number of resorts and hotels in the area that offer short-term and long-term rental options. Finally, there are a number of online resources that can help you find a place to live in The Cayes," explained one expat living in The Cayes, Belize.

"I lucked out with a bit of alone research. I found a listing on a Belizean rental site. The apt ended up being in the suburb area, for a 1 bedroom that ended up costing the same price as rent in the center of town and other parts of town usually where the locals live," said one expat in San Pedro.

What is a typical expat home or apartment like in The Cayes?

"Expat homes and apartments in The Cayes are typically modern and comfortable, with air conditioning, full kitchens, and plenty of outdoor space. Many homes have private pools and outdoor patios, perfect for entertaining or relaxing in the warm Caribbean climate. Expat homes in The Cayes are often located in gated communities, providing a sense of security and privacy. Many homes also have access to amenities such as a gym, tennis courts, and a clubhouse," remarked one expat who made the move to The Cayes.

"1 bedroom apt. Washer/Dryer, Internet. A couple of steps away from the beach. Living on an island [Ambergris Caye], you are NEVER to far from the beach. Yes, several expats live in the suburb type area," explained one expat living in San Pedro, Belize.

What is the average cost of housing in The Cayes?

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

"The cost of housing in The Cayes can vary greatly depending on the size and location of the property. Generally, the cost of a one-bedroom apartment in The Cayes is around $500 to $800 per month, while a three-bedroom house can cost up to $1,500 per month. Prices can also vary depending on the amenities offered, such as access to a pool or beachfront property," wrote a member in The Cayes.

"Lower. Average cost with some amenities is $400 US, I also have heard that for that price or a little more you can rent a whole house instead," commented one expat who made the move to San Pedro.

How do I meet people in The Cayes?

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

"Expats living in The Cayes often join local clubs and activities such as sailing, fishing, and diving. Expats can also join local book clubs, art classes, and language classes. Additionally, expats can meet people by attending local events such as festivals, concerts, and farmers markets. Expats can also meet people by attending local churches, joining volunteer groups, or attending social gatherings hosted by other expats," said one expat in The Cayes.

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What should I bring when moving to The Cayes?

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

"When moving to The Cayes, it is important to pack items that will help you adjust to the tropical climate. Bring lightweight, breathable clothing such as shorts, t-shirts, and sandals. Sunscreen and a hat are also essential for protecting yourself from the sun. Additionally, you should bring insect repellent to ward off mosquitoes and other bugs. Toiletries, medications, and any other personal items you may need should also be packed. Finally, don't forget to bring a camera to capture all the amazing sights and experiences you will have in The Cayes," wrote a member in The Cayes.

Where should I setup a bank account in The Cayes?

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

"Before retiring in The Cayes, expats should be aware of the cost of living, which is generally lower than in the United States. Expats should also research the availability of healthcare services and the quality of medical care in the area. Additionally, expats should familiarize themselves with the local culture and customs, as well as the language, to ensure a smooth transition. It is also important to research the local laws and regulations, as well as the tax implications of living in Belize. Finally, expats should consider the availability of amenities such as shopping, entertainment, and transportation," commented one expat who made the move to The Cayes.

Will I be able to find a job in The Cayes?

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

"Foreigners often work in The Cayes as tour guides, dive instructors, restaurant and bar staff, hotel and resort staff, and in other hospitality-related roles. They may also work in the construction industry, as English teachers, or in other service-related roles," said one expat in The Cayes.

What is life like in The Cayes?

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

"Life for expats and digital nomads in The Cayes is full of adventure and relaxation. The Cayes are known for their stunning beaches, crystal clear waters, and laid-back atmosphere, making it an ideal destination for those looking to escape the hustle and bustle of everyday life. Expats and digital nomads can enjoy a variety of activities, from snorkeling and diving to exploring the nearby Mayan ruins. The cost of living is relatively low, making it a great place to live and work remotely. The locals are friendly and welcoming, and the culture is diverse and vibrant. With its stunning natural beauty and laid-back lifestyle, The Cayes is an ideal destination for expats and digital nomads looking for a unique and rewarding experience," said one expat in The Cayes.

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What do expats in The Cayes appreciate most about the local culture?

"Expats in The Cayes appreciate the laid-back atmosphere and the friendly locals. They also enjoy the relaxed pace of life and the abundance of outdoor activities, such as fishing, snorkeling, and kayaking. The local cuisine is also a highlight, with its unique blend of Caribbean and Latin American flavors. Additionally, the vibrant culture and music of the region are a source of joy for many expats," explained one expat living in The Cayes, Belize.

What do expats find most challenging?

"Expats in The Cayes often find the language barrier to be the most challenging aspect of the local culture. English is the official language, but many locals speak Kriol, a Creole language, as their first language. Additionally, the slower pace of life and the lack of modern amenities can be difficult for expats to adjust to. Furthermore, the local culture is heavily influenced by the Catholic Church, which can be a challenge for those of other faiths," said one expat in The Cayes.

Is there a lot of crime in The Cayes?

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

"No, there is not a lot of crime in The Cayes. In general, The Cayes are very peaceful and vibrant places with a relaxed atmosphere. The local economy is largely based on fishing, tourism and subsistence farming. In addition, the local population is very friendly and welcoming, and crime rates are low," commented one expat who made the move to The Cayes.

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

"The Cayes is a diverse area with a mix of cultures, languages, and religions. People in The Cayes are generally accepting of differences and celebrate the diversity of the area. There is a strong sense of community and people are encouraged to embrace their unique backgrounds and perspectives," commented one expat who made the move to The Cayes.

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What are the schools in The Cayes like?

"The Cayes is home to a number of excellent international and bilingual schools. The Cayes International School (CIS) is a private, non-profit, co-educational school offering a bilingual education in English and Spanish. The school offers a comprehensive curriculum that includes English, Spanish, Mathematics, Science, Social Studies, Physical Education, Music, Art, and Technology. CIS also offers a variety of extracurricular activities such as sports, clubs, and field trips. The Cayes Bilingual School (CBS) is a private, non-profit, co-educational school offering a bilingual education in English and Spanish. CBS offers a comprehensive curriculum that includes English, Spanish, Mathematics, Science, Social Studies, Physical Education, Music, Art, and Technology. CBS also offers a variety of extracurricular activities such as sports, clubs, and field trips. The Cayes International Academy (CIA) is a private, non-profit, co-educational school offering a bilingual education in English and Spanish. CIA offers a comprehensive curriculum that includes English, Spanish, Mathematics, Science, Social Studies, Physical Education, Music, Art, and Technology. CIA also offers a variety of extracurricular activities such as sports, clubs, and field trips. The Cayes Bilingual Academy (CBA) is a private, non-profit, co-educational school offering a bilingual education in English and Spanish. CBA offers a comprehensive curriculum that includes English, Spanish, Mathematics, Science, Social Studies, Physical Education, Music, Art, and Technology. CBA also offers a variety of extracurricular activities such as sports, clubs, and field trips. Overall, The Cayes, Belize is home to a number of excellent international and bilingual schools that offer a comprehensive curriculum and a variety of extracurricular activities," wrote an expat with kids at in The Cayes.

What are the pros and cons of living in The Cayes?

Expats, digital nomads and retirees living in The Cayes responded:

"Expats and digital nomads living in The Cayes, often like the laid-back lifestyle, beautiful beaches, and warm climate that the region offers. They appreciate the friendly and welcoming local community, as well as the opportunity to immerse themselves in a diverse culture. The Cayes also provide a range of outdoor activities, such as snorkeling, diving, and fishing, which many expats and digital nomads enjoy. However, there are also some aspects of living in The Cayes that expats and digital nomads may dislike. The cost of living can be relatively high, particularly for imported goods and certain services. The region's infrastructure may not be as developed as in other countries, which can lead to unreliable internet connections and limited access to healthcare facilities. Additionally, some expats and digital nomads may find the slower pace of life and limited entertainment options to be a drawback. Finally, the tropical climate can also bring challenges, such as high humidity and the risk of hurricanes during certain times of the year," wrote one expat living in The Cayes.

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What type of social life can someone expect in The Cayes?

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

"Expats, retirees, and digital nomads living in The Cayes typically enjoy a laid-back and relaxed social life. They often engage in outdoor activities such as snorkeling, diving, fishing, and boating, which provide opportunities to meet and connect with like-minded individuals. Many expats and digital nomads also participate in local community events, volunteer activities, and cultural experiences, allowing them to immerse themselves in the local culture and make new friends. Additionally, they may frequent local bars, restaurants, and cafes, where they can socialize with both locals and fellow expats. Some may also join clubs or organizations specifically designed for expats, which offer networking opportunities and social events. Overall, the social life in The Cayes is characterized by a strong sense of community and a focus on enjoying the natural beauty and outdoor activities that Belize has to offer," mentioned an expat living in The Cayes.

"The social scene in The Cayes, is a laid-back and friendly atmosphere, with a mix of locals and tourists. The islands are known for their vibrant culture, which includes a blend of Garifuna, Creole, Mestizo, and Maya influences. The Cayes offer a variety of social activities, such as beach parties, live music, and local festivals. Beach bars and restaurants are popular gathering spots, where people can enjoy fresh seafood, local cuisine, and tropical cocktails. Water sports, such as snorkeling, diving, and fishing, are also popular social activities in the area. Overall, the social scene in The Cayes is relaxed, welcoming, and centered around the beautiful natural surroundings and rich cultural heritage of Belize," commented one expat living in The Cayes, Belize.

What advice to expats in The Cayes have about housing?

"Expats in The Cayes recommend researching the area thoroughly before committing to a rental or purchase. It is important to consider the location, amenities, and safety of the area. Additionally, it is important to be aware of the local laws and regulations regarding renting or purchasing property. It is also recommended to work with a local real estate agent who is familiar with the area and can provide helpful advice. Finally, it is important to budget for any additional costs such as maintenance, utilities, and insurance," mentioned an expat living in The Cayes.

What are medical services in The Cayes like?

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

"Medical services in The Cayes, are limited compared to urban areas. The islands have a few small clinics and private doctors, but they primarily offer basic healthcare services and emergency care. For more advanced medical treatments or specialized care, patients often need to travel to the mainland, where larger hospitals and medical facilities are available. It is essential for visitors to have travel insurance that includes medical evacuation, as emergency transportation to the mainland or neighboring countries may be necessary for severe cases. Additionally, it is recommended to bring any necessary prescription medications, as local pharmacies may not carry specific medications or may have limited supplies," remarked one expat living in The Cayes.

Are healthcare and health insurance expensive in The Cayes?

"Healthcare and health insurance in The Cayes, can be considered relatively affordable compared to many other countries. However, the cost may vary depending on the type of coverage and services required. Public healthcare facilities are available at low costs, but they may not offer the same quality and range of services as private facilities. Private healthcare providers tend to be more expensive, but they offer better quality care and a wider range of services. Expats and visitors often opt for private health insurance plans to ensure access to quality healthcare services while in The Cayes. Overall, healthcare and health insurance costs in The Cayes, Belize, are generally reasonable, but the quality of care and services may vary depending on the chosen provider," mentioned one expat inThe Cayes.

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Is the cost of living in The Cayes high?

We asked people about the cost of living in The Cayes, they wrote:

"The cost of living in The Cayes is relatively low compared to other countries. Rent for a nice 1 bedroom apartment is typically 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 The Cayes, Belize will cost around $15 USD per person," remarked one expat in The Cayes.

What are the visa & residency requirements in The Cayes?

"In order to visit The Cayes, visitors must obtain a visa prior to arrival. The process of applying for a visa involves submitting an application form, a valid passport, a passport-sized photograph, and a fee. Depending on the type of visa, additional documents may be required. In order to obtain residency in The Cayes, Belize, applicants must submit an application form, a valid passport, a passport-sized photograph, a police record, a medical certificate, and a fee. Additionally, applicants must provide proof of financial stability, such as bank statements or a letter of employment. Once the application is approved, applicants must attend an interview with the Immigration Department. Upon successful completion of the interview, applicants will be issued a residency permit," wrote one expat living in The Cayes.

Why do people move to The Cayes?

When we asked people why foreigners move to The Cayes, they responded:

"The Cayes in Belize offer expats a unique combination of Caribbean culture and Central American lifestyle. With its stunning beaches, lush rainforest, and vibrant culture, Belize is an ideal destination for those looking to experience a different way of life. The Cayes are known for their laid-back atmosphere, friendly locals, and affordable cost of living, making it an attractive option for expats looking to relocate. Additionally, the Cayes are home to a variety of activities and attractions, from snorkeling and diving to exploring ancient Mayan ruins. With its stunning natural beauty and relaxed lifestyle, The Cayes in Belize are an ideal destination for expats looking for a new home," wrote one expat living in The Cayes.

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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