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

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By Betsy Burlingame

Last updated on Jun 10, 2024

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

What do I need to know about living in Ambergris Caye?

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

"Come check it out first and spend some time. I visited here for a number of years before deciding I could live here fulltime. I knew how I'd spend my time. I have never regretted it. But I knew what I was getting into," wrote one member in Ambergris Caye.

"Ambergris Caye, is a popular destination for expats due to its tropical climate, English-speaking population, and relaxed lifestyle. Before retiring there, it's important to understand a few key things. Firstly, Belize has a relatively low cost of living compared to many Western countries, but it's still essential to have a clear financial plan. The Belizean dollar is tied to the US dollar, which can make financial planning easier. Secondly, healthcare in Belize is generally of a good standard, but it may not be as advanced as in some Western countries. Expats often choose to have health insurance that covers medical evacuation, in case they need to return to their home country for treatment. Thirdly, while English is the official language, Spanish is also widely spoken. Learning some basic Spanish can be helpful, especially in more rural areas. Fourthly, Belize has a hot, tropical climate. This can be a big adjustment for those used to cooler climates, and it's important to consider how well you'll cope with the heat and humidity. Fifthly, Belize's infrastructure can be less developed than in some Western countries. This can mean occasional power outages, slow internet, and bumpy roads. Lastly, Belize has a relaxed, laid-back culture. This can be a big draw for some people, but it can also mean that things often move at a slower pace than you might be used to. It's important to be patient and to adjust your expectations accordingly. In conclusion, retiring in Ambergris Caye, Belize, can offer a relaxed, tropical lifestyle. However, it's important to do your research and to be prepared for the differences in culture, climate, and infrastructure," remarked one expat who made the move to Ambergris Caye.

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What do I need to know before moving to Ambergris Caye?

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

"Ambergris Caye is a popular destination for expats due to its beautiful beaches, warm climate, and friendly locals. Before moving there, it's important to know that English is the official language, making it easier for English-speaking expats to communicate and integrate. The cost of living can be high, especially in areas popular with tourists and expats, so it's crucial to budget accordingly. The local currency is the Belize Dollar, but US dollars are widely accepted. Healthcare facilities on the island are limited, so for serious medical conditions, you may need to travel to Belize City or even outside the country. It's recommended to have comprehensive health insurance that covers medical evacuation. The island has a relaxed, laid-back lifestyle which can be a significant change if you're used to a fast-paced city life. The weather is tropical, meaning it's hot and humid year-round, with a rainy season from June to November. While Ambergris Caye is generally safe, like any place, it has some crime. It's advised to take standard precautions to protect your personal safety and belongings. Getting around the island is typically done by golf cart, bicycle, or on foot, as there are very few cars. Importing a vehicle can be expensive and complicated due to import duties and regulations. Finally, while Belize has a relatively straightforward process for obtaining residency, it's essential to understand the legal requirements and procedures before making the move. It's recommended to consult with a local attorney or immigration expert," commented one expat who made the move to Ambergris Caye.

How do I find a place to live in Ambergris Caye?

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

"Finding a place to live in Ambergris Caye involves several steps. First, you need to determine your budget and what type of accommodation you're looking for. This could range from a small apartment to a large beachfront villa. Next, you should research the different areas of Ambergris Caye to decide where you'd like to live. Some people prefer the bustling town of San Pedro, while others prefer the quieter, more secluded areas of the island. Once you have a clear 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 Ambergris Caye, such as Belize Real Estate MLS, Century 21 Belize, and Ambergris Caye Belize Properties. You can also contact local real estate agents who can help you find a property that fits your needs and budget. They can provide valuable insight into the local market and guide you through the process of renting or buying a property in Belize. Another option is to visit Ambergris Caye and stay for a while before deciding where to live. This will give you a chance to explore the island, meet locals and other expats, and get a feel for the different neighborhoods. You can also check local bulletin boards and newspapers for rental listings. Once you've found a place you're interested in, make sure to thoroughly inspect the property and understand the terms of the lease or sale before making a commitment. If you're buying a property, it's recommended to hire a local attorney to help with the legal aspects of the transaction. Finally, once you've secured your new home in Ambergris Caye, you can start the process of moving in and making it your own. Whether you're planning to live there full-time or just for part of the year, you'll find that Ambergris Caye offers a unique and relaxed lifestyle that's hard to beat," said one expat in Ambergris Caye.

What is a typical expat home or apartment like in Ambergris Caye?

"A typical expat home or apartment in Ambergris Caye, is often a beachfront property with stunning views of the Caribbean Sea. These homes are usually designed to blend in with the tropical environment, featuring bright colors, open floor plans, and large windows to let in natural light. They often have spacious balconies or patios, perfect for enjoying the warm weather and beautiful sunsets. Inside, the homes are typically furnished with comfortable, modern furniture and equipped with all the necessary amenities, including air conditioning, a fully equipped kitchen, and high-speed internet. Many expat homes also have access to a shared or private pool, and are located within walking distance to local shops, restaurants, and other amenities. Despite being in a tropical paradise, these homes do not lack in security, with many located in gated communities or having their own security systems," wrote one member in Ambergris Caye.

What is the average cost of housing in Ambergris Caye?

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

"The average cost of housing in Ambergris Caye can vary greatly depending on the location and size of the property. For a modest home or condo, prices can start in the low six figures. Luxury beachfront homes can cost well over a million dollars. Renting is also an option, with monthly costs ranging from a few hundred to several thousand dollars. It's important to note that prices can fluctuate based on the real estate market and other factors," commented one expat who made the move to Ambergris Caye.

How do I meet people in Ambergris Caye?

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

"It is really easy to meet people on Ambergris Caye. Here are just a few ideas of where we regularly socialize. Anything outdoor and health oriented is great on the island. My husband and I built the San Pedro Fitness Club, so I go there most days. Ladies tend to enjoy the water fitness classes, in particular, since it is both exercise and social time. But there are sailing groups, plenty of scuba and snorkeling opportunities, places that specialize in sailing or kayaking, and fishing groups and competitions. There are now also several yoga schools where you will meet health oriented people. So for those of us who like to balance healthy activities with a little indulgence, it is easy to do here... For those who enjoy live music, there are a variety of places where people hang out and listen to local bands, all for free. Beach bars include Crazy Canucks, BCs, and Fidos, all near town. On the north side, Legends often has good music. We love to dance to a live band on the beach, cooled by a sea breeze! Sunday afternoon lunch is a time when everyone goes out for beach BBQ and to socialize. Popular places include Caribbean Villas (they have plenty of water toys), Crazy Canucks, BCs, and the Palapa Bar (up north). We go to Wine de Vine on Friday nights. This is a "smoke free" environment where many expats, business owners and tourists drop in for a nice glass of wine, and a cheese platter. There are regular festivals and fund raiser events that many expats attend. It is a great way to socialize and also donate to a good cause. There are more volunteer organizations than I can mention. Many expats join both to contribute, and to meet people. The most popular are the Saga Society (which is the local Humane Society), the churches, Lion's Club, and various school organizations. Some groups get together to play cards such as bridge. And many of us get together for group dinners. Sometimes we meet a favorite restaurant. Other times we enjoy a pot luck with friends," wrote a member in Ambergris Caye.

"Expats in Ambergris Caye often join a variety of clubs and activities to meet people and integrate into the local community. These include diving and snorkeling clubs, due to the island's proximity to the world's second-largest barrier reef. There are also fishing clubs, as the area is renowned for its excellent fishing opportunities. For those interested in fitness and wellness, there are yoga and pilates classes, as well as gyms and sports clubs. Expats can also participate in local charity organizations and volunteer groups, which not only provide a chance to meet people but also to give back to the community. Cultural activities such as cooking classes, language exchange groups, and art workshops are also popular among expats. These activities provide an opportunity to learn more about the local culture and traditions, as well as meet like-minded individuals. In addition to joining clubs and activities, expats often meet people through social events and gatherings. These can range from informal beach barbecues and parties to more formal events like wine tastings or charity galas. Many expats also meet people through their children's schools or through local churches. Another popular way for expats to meet people in Ambergris Caye is by participating in local festivals and events. These can include everything from the annual Lobster Fest to the San Pedro Carnival, both of which attract locals and expats alike. Finally, simply being open and friendly can go a long way in meeting people in Ambergris Caye. The local community is known for its welcoming and friendly nature, and many expats find that simply striking up a conversation with a neighbor or local shop owner can lead to lasting friendships," commented one expat who made the move to Ambergris Caye.

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What should I bring when moving to Ambergris Caye?

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

"When moving to Ambergris Caye, you should pack lightweight and breathable clothing due to the tropical climate. Include items such as shorts, t-shirts, tank tops, and sundresses. A swimsuit is essential for enjoying the beautiful beaches and water activities. Don't forget to pack a hat, sunglasses, and plenty of sunscreen to protect yourself from the sun. You should also pack comfortable walking shoes or sandals, as well as a pair of water shoes if you plan on participating in water sports or exploring the coral reefs. A light rain jacket or umbrella would be useful for the occasional rain shower. In terms of toiletries, pack enough to last you until you can find a local store where you can purchase more. This includes items like toothpaste, shampoo, conditioner, and any prescription medications you may need. If you plan on cooking, you might want to bring some of your favorite spices or condiments that may not be readily available in Belize. Remember to pack important documents such as your passport, driver's license, and any necessary immigration paperwork. Lastly, bring along any electronics you'll need, like your phone, laptop, or tablet, along with their chargers. A power adapter may also be necessary as Belize uses 110-volt outlets, similar to the United States," said one expat in Ambergris Caye.

Where should I setup a bank account in Ambergris Caye?

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

"Ambergris Caye, is a popular destination for expats due to its tropical climate, English-speaking population, and relaxed lifestyle. Before retiring there, it's important to understand a few key things. Firstly, Belize has a relatively low cost of living compared to many Western countries, but it's still essential to have a clear financial plan. The Belizean dollar is tied to the US dollar, which can make financial planning easier. Secondly, healthcare in Belize is generally of a good standard, but it may not be as advanced as in some Western countries. Expats often choose to have health insurance that covers medical evacuation, in case they need to return to their home country for treatment. Thirdly, while English is the official language, Spanish and Creole are also widely spoken. Learning some basic phrases in these languages can help you integrate into the local community. Fourthly, Belize has a tropical climate with a wet and dry season. It's important to be prepared for high humidity and heavy rainfall during the wet season. Fifthly, Belize's infrastructure may not be as developed as in some Western countries. Power outages can be common, and internet speeds may not be as fast as you're used to. Lastly, Belize has a relaxed, laid-back lifestyle. This can be a big draw for many expats, but it's worth considering whether this slower pace of life is right for you. In conclusion, retiring in Ambergris Caye, Belize, can offer a relaxed, tropical lifestyle. However, it's important to do your research and be prepared for the differences in lifestyle, healthcare, and infrastructure," explained one expat living in Ambergris Caye, Belize.

Will I be able to find a job in Ambergris Caye?

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

"Tourism is the name of the game on Ambergris Caye. So restaurants, shops, tour companies, are the primary businesses for an expat to start. But there are also quite a few banks and some financial companies. I always recommend that expats consider starting a business, as there are many opportunities to do so. But it is not easy to take a job here, as the priority goes to Belizeans, as well it should... But expats with unique qualifications that Belizeans don't have a better chance to find a job here. Also, people who are running on-line internet businesses do well here. Our internet, power and other services are reliable. I work from home, and on the internet, much of the time," commented one expat who made the move to Ambergris Caye.

"Foreigners in Ambergris Caye often work in the tourism industry, taking roles such as tour guides, hotel managers, dive instructors, and restaurant owners. Some also work in real estate, helping other expats to find their dream homes on the island. Others may offer professional services like healthcare, legal advice, or financial planning, often catering to the expat community. Some foreigners also start their own businesses, ranging from retail stores to art galleries. Additionally, there are those who work remotely in various fields such as IT, consulting, or writing, taking advantage of the island's laid-back lifestyle while staying connected to their home countries," remarked one expat living in Ambergris Caye, Belize.

What is life like in Ambergris Caye?

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

"It's a real mixed bag. The Belizeans are all working, as do many expats. Some expats live here only 3-6 months a year. We all have different priorities. You can find whatever you are looking for. But family is very important to Belizeans. So there are a lot of festivals and performances that we expats join in for. Socializing is really big here. We spend much more time with friends than we ever did in California. We still are very involved in business, but that also involves a lot of socializing. For us, our lives include all of the above," explained one expat living in Ambergris Caye, Belize.

"Life for expats and digital nomads in Ambergris Caye is often described as relaxed and laid-back, with a slow pace of life that many find appealing. The island is known for its beautiful beaches, clear waters, and abundant marine life, making it a paradise for those who enjoy outdoor activities such as snorkeling, diving, and fishing. The local community is friendly and welcoming, with a mix of locals and expats from around the world. English is widely spoken, which makes it easier for expats to communicate and integrate into the local culture. The cost of living is relatively low compared to many other popular expat destinations, although it can vary depending on lifestyle choices. Housing options range from modest apartments to luxury beachfront villas. For digital nomads, the internet connectivity is generally good, but it can sometimes be unreliable, especially during storms. There are several coworking spaces available, as well as cafes and restaurants with Wi-Fi. The island has a vibrant nightlife with a variety of bars and restaurants offering local and international cuisine. There are also plenty of opportunities to socialize and meet other expats, with regular events and gatherings. Healthcare facilities on the island are basic, but adequate for minor health issues. For more serious conditions, expats often travel to Belize City or even abroad. Despite the relaxed lifestyle, it's important to note that Ambergris Caye is a developing country and there can be challenges such as occasional power outages, limited shopping options, and the need to be vigilant about personal safety. Overall, Ambergris Caye offers a unique blend of Caribbean charm, natural beauty, and a relaxed lifestyle that many expats and digital nomads find appealing," said one expat in Ambergris Caye.

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What do expats in Ambergris Caye appreciate most about the local culture?

"Expats in Ambergris Caye often appreciate the laid-back and relaxed lifestyle that the local culture embodies. They enjoy the friendly and welcoming nature of the Belizean people, who are known for their hospitality and warmth. The local cuisine, which is a blend of various cultures including Mayan, Creole, and Caribbean, is also highly appreciated. Expats love the rich cultural heritage and traditions, including the vibrant festivals and music. They also value the strong sense of community and the slower pace of life, which allows them to enjoy the natural beauty of the island. The emphasis on outdoor living and the close connection to nature is another aspect of the local culture that expats in Ambergris Caye appreciate," remarked one expat who made the move to Ambergris Caye.

What do expats find most challenging?

"Expats in Ambergris Caye often find the slower pace of life, known as "island time", challenging to adjust to, as it can affect business operations and daily activities. The language barrier can also be a challenge, as while English is the official language, many locals speak Creole or Spanish. Some expats may find it difficult to navigate the local bureaucracy, which can be complex and time-consuming. The high cost of living, particularly for imported goods, can also be a challenge for expats. Additionally, some expats may struggle with the lack of certain amenities and services that they are accustomed to in their home countries. Lastly, the hot and humid climate can be uncomfortable for those not used to tropical weather," remarked one expat who made the move to Ambergris Caye.

Is there a lot of crime in Ambergris Caye?

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

"Ambergris Caye, is generally considered a safe destination for tourists. However, like any other place, it is not entirely free from crime. Petty crimes such as theft and burglary are the most common, especially in areas frequented by tourists. Violent crimes are relatively rare, but they do occur occasionally. Drug-related crimes are also a concern, although they are more prevalent in mainland Belize than on Ambergris Caye. The local authorities are proactive in maintaining safety and security, but visitors are advised to take standard precautions, such as not leaving valuables unattended and avoiding isolated areas at night," wrote one member in Ambergris Caye.

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

"Yes, although there are more Hispanics on the island than the other Belizean groups. And there are also a good number of Middle Easterners, who run the hardware stores and some food stores. But everyone gets along remarkably well. There are also a variety of religious groups. It has always impressed me that in Belize there is so much diversity, but in general people get along so well. I have never felt that I am resented as an expat. But it is very important to treat people here with respect. Those visitors and expats who don't treat Belizeans with respect can have a different experience," explained one expat living in Ambergris Caye, Belize.

"Ambergris Caye is known for its cultural diversity. The island is home to a mix of people from different ethnic backgrounds including Creole, Mestizo, Garifuna, and Maya, as well as a significant number of expatriates from North America and Europe. This blend of cultures contributes to a rich and vibrant community. In terms of acceptance of differences, the people of Ambergris Caye are generally known for their warm and welcoming nature. The island's community is typically accepting and respectful of different cultures, lifestyles, and beliefs. This acceptance is reflected in the harmonious coexistence of the diverse population. However, like any place, individual experiences may vary," said one expat in Ambergris Caye.

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What are the schools in Ambergris Caye like?

"Ambergris Caye, is a beautiful island known for its stunning beaches and vibrant culture. However, it is relatively small and does not have a wide range of international or bilingual schools. The Island Academy is one of the most well-known schools on Ambergris Caye. It is a private institution that offers education from preschool to middle school. The school is known for its high academic standards and its focus on developing well-rounded students. The curriculum includes subjects like English, Math, Science, Social Studies, and Spanish. The school also offers extracurricular activities like sports, arts, and community service. More information can be found on their website: http://www.islandacademy.com/ San Pedro High School is another educational institution on the island. It is a public school that offers secondary education. The school is known for its commitment to providing quality education to all students, regardless of their background. The curriculum includes a range of subjects, including English, Math, Science, and Spanish. More information can be found on their Facebook page: https://www.facebook.com/SanPedroHighSchool/ New Horizon Seventh Day Adventist School is a private Christian school on Ambergris Caye. It offers education from preschool to high school. The school is known for its strong academic program and its emphasis on Christian values. The curriculum includes subjects like English, Math, Science, Social Studies, and Spanish. More information can be found on their Facebook page: https://www.facebook.com/New-Horizon-Seventh-day-Adventist-School-111267875577675/ While these schools may not be classified as international or bilingual schools, they do offer education in English and Spanish, which can provide a bilingual experience for students," remarked one expat living in Ambergris Caye with children attending .

What are the pros and cons of living in Ambergris Caye?

Expats, digital nomads and retirees living in Ambergris Caye responded:

"Everywhere you look is like a postcard! Beautiful ocean and lagoons all around you. Lots of fun stuff to do. The Belizean people are extremely helpful and friendly. The island is a bit more expensive than on the mainland. Lots of fresh picked produce available everywhere," remarked one expat in Ambergris Caye.

"Expats and digital nomads enjoy the relaxed, laid-back lifestyle of Ambergris Caye. They appreciate the island's natural beauty, including its clear blue waters, sandy beaches, and abundant marine life. The friendly, welcoming local community is another aspect that expats and digital nomads like about living in Ambergris Caye. The cost of living is relatively low compared to many other tropical destinations, which is a big plus for many. The island's close proximity to the United States is also a benefit, making it easy for expats and digital nomads to visit home when they want to. On the other hand, the slow pace of life can sometimes be a disadvantage for those who are used to a faster, more dynamic environment. The island's infrastructure can also be a challenge, with occasional power outages and unreliable internet service, which can be particularly problematic for digital nomads who rely on a stable internet connection for their work. The limited healthcare facilities on the island can be a concern for some, especially those with serious medical conditions. Lastly, while the cost of living is generally low, imported goods can be quite expensive due to import taxes and transportation costs," wrote one expat living in Ambergris Caye.

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What type of social life can someone expect in Ambergris Caye?

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

"Expats, retirees, and digital nomads living in Ambergris Caye, typically have a vibrant and active social life. They often engage in various outdoor activities such as fishing, snorkeling, and diving due to the island's proximity to the world's second-largest barrier reef. Many also participate in community events, local festivals, and volunteer activities, which provide opportunities to interact with locals and other expats. The island's laid-back lifestyle allows for leisurely social interactions at local restaurants, bars, and cafes. Expats often form social groups based on shared interests, providing a sense of community and camaraderie. They also have the opportunity to immerse themselves in the local culture, learning about Belizean traditions and customs. Despite being in a foreign country, many expats find it easy to communicate as English is the official language of Belize. This makes it easier to form friendships and engage in local community life. However, the social life can be as quiet or as lively as one makes it, with opportunities for both solitude and socializing," commented one expat who moved to Ambergris Caye.

"The social scene in Ambergris Caye is laid-back and friendly, with a mix of locals, expats, and tourists. The island is known for its vibrant nightlife, with numerous bars and restaurants offering live music, local food, and tropical cocktails. There are also plenty of opportunities for socializing during the day, with activities such as diving, fishing, and beach volleyball. The local community is welcoming and inclusive, often hosting events like art festivals, fishing tournaments, and holiday celebrations. Despite its small size, Ambergris Caye has a diverse and lively social scene that caters to a wide range of interests and lifestyles," remarked one expat in Ambergris Caye.

What advice to expats in Ambergris Caye have about housing?

"Expats in Ambergris Caye often advise newcomers to rent before buying. This allows you to get a feel for the area and decide if it's the right fit for you. They also suggest looking into the different areas of the island, as each has its own unique vibe and amenities. Some expats recommend hiring a local real estate agent who is familiar with the area and can help navigate the buying process. It's also important to consider the cost of living, as it can be higher than expected due to the island's remote location. Expats also advise checking the property for any potential issues, such as flooding during the rainy season. Lastly, they suggest being patient and flexible during the house hunting process, as it can take time to find the perfect home," remarked one expat living in Ambergris Caye.

What are medical services in Ambergris Caye like?

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

"Ambergris Caye, has a few medical facilities that offer basic healthcare services. The island has clinics and pharmacies that can handle minor illnesses and injuries. For more serious conditions, patients are typically transported to larger hospitals in Belize City or even outside the country. The island also has a hyperbaric chamber for diving-related injuries. Doctors and medical staff on the island are generally well-trained, and many have received their education abroad. However, it's important to note that the medical services available on Ambergris Caye may not be as comprehensive or advanced as those in larger cities or more developed countries. Therefore, visitors are advised to have travel insurance that covers medical evacuation in case of serious illness or injury," wrote one expat living in Ambergris Caye.

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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