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Smith's, Bermuda: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Smith's | Expat Exchange
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Smith's, Bermuda

By Joshua Wood, LPC

Last updated on Jul 10, 2023

Summary: Expats, digital nomads and retirees discuss what it is like to live in Smith's, Bermuda: Cost of living, Finding a home, Meeting People and more.

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What do I need to know before moving to Smith's?

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

"Smith's is a beautiful parish located in the northeast part of the island. It is known for its stunning beaches, lush gardens, and historic sites. Before moving to Smith's, Bermuda, expats should be aware of several things. Firstly, the cost of living in Bermuda is quite high, with housing, groceries, and utilities being more expensive than in many other countries. This is partly due to the fact that most goods have to be imported. Secondly, Bermuda has a subtropical climate, which means it can be hot and humid in the summer, with mild winters. It is also in the hurricane belt, so it can be affected by tropical storms and hurricanes, particularly between June and November. Thirdly, Bermuda has strict immigration laws. Work permits are required for all non-Bermudians and these can be difficult to obtain unless you have a job offer from a Bermudian company. There are also restrictions on property ownership for non-Bermudians. Fourthly, Bermuda is a British Overseas Territory and the official language is English. However, the local accent can be difficult to understand at first. The currency is the Bermudian dollar, which is pegged to the US dollar. Fifthly, Bermuda has a high standard of healthcare, but it can be expensive. Expats should ensure they have comprehensive health insurance. Lastly, Bermuda has a relaxed, laid-back lifestyle. The pace of life is slower than in many other countries, and there is a strong emphasis on family and community. The island is also very safe, with low levels of crime," remarked one expat who made the move to Smith's.

What is a typical expat home or apartment like in Smith's?

"A typical expat home or apartment in Smith's, is often a charming blend of traditional Bermudian architecture and modern amenities. These homes are usually painted in bright, tropical colors, with white limestone roofs to collect rainwater, a necessary feature due to the island's lack of freshwater sources. The interiors are spacious and airy, with high ceilings and large windows that let in plenty of natural light and offer stunning views of the surrounding landscapes. Many homes have open-plan living areas, modern kitchens equipped with high-end appliances, and comfortable bedrooms with en-suite bathrooms. They often come with outdoor spaces such as patios, balconies, or gardens, perfect for enjoying the island's pleasant weather. Some properties may also have a swimming pool or access to a private beach. The homes are typically located in quiet, residential neighborhoods, close to local amenities like shops, restaurants, and schools. They are often surrounded by lush tropical vegetation, providing a sense of privacy and tranquility. Despite the peaceful surroundings, they are usually just a short drive away from the bustling city of Hamilton and other attractions on the island. In terms of furnishings, some homes come fully furnished, while others are unfurnished, allowing expats to bring in or buy their own furniture. The style of furnishings can vary widely, from classic and traditional to contemporary and minimalist. Overall, expat homes in Smith's, Bermuda, offer a comfortable and luxurious lifestyle, combining the charm of island living with the conveniences of modern life," commented one expat who made the move to Smith's.

What is the average cost of housing in Smith's?

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

"The average cost of housing in Smith's is quite high compared to many other locations. It is not uncommon for homes in this area to cost several million dollars. However, the price can vary greatly depending on the size, location, and amenities of the property. Smaller homes or condos may be available for less, but overall, the real estate market in Smith's, Bermuda is considered to be on the pricier side," wrote a member in Smith's.

Where should I setup a bank account in Smith's?

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

"Before retiring in Smith's, expats should know that the cost of living is quite high, with housing, groceries, and utilities being more expensive than in many other countries. They should also be aware that Bermuda has strict immigration laws and obtaining residency can be challenging. Expats should understand that Bermuda has a subtropical climate, with hot and humid summers and mild winters. They should also be prepared for the possibility of hurricanes, which can occur between June and November. Healthcare in Bermuda is of a high standard, but it can be expensive, and expats should ensure they have comprehensive health insurance. Bermuda's official language is English, which makes it easier for English-speaking expats to settle in. However, Bermudian English has its own unique dialect and accents, which may take some getting used to. Bermuda has a rich culture and history, and expats should take the time to learn about and respect local customs and traditions. Public transportation in Bermuda is reliable, with a good network of buses and ferries. However, private car ownership is limited and expensive due to government regulations. Bermuda has a high standard of education, with both public and private schools available. However, spaces in schools can be limited, and expats should research schooling options well in advance. Bermuda is a British Overseas Territory, and the British pound is accepted, but the Bermudian dollar is the official currency. Finally, Bermuda is known for its beautiful beaches, outdoor activities, and friendly locals, making it a popular retirement destination for expats. However, it's important to visit first to ensure it's the right fit for your retirement lifestyle," remarked one expat who made the move to Smith's.

What do expats in Smith's appreciate most about the local culture?

"Expats in Smith's appreciate the friendly and welcoming nature of the locals, who are always ready to help and make newcomers feel at home. They also love the relaxed and laid-back lifestyle that is a stark contrast to the hustle and bustle of city life. The rich history and heritage of Bermuda, reflected in its architecture, traditions, and festivals, is another aspect that expats find fascinating. The island's natural beauty, with its stunning beaches, crystal clear waters, and lush greenery, is also highly appreciated. Additionally, expats enjoy the vibrant local cuisine, which is a unique blend of British, Caribbean, Portuguese, and Native American influences. The safety and cleanliness of the island is another factor that expats in Smith's, Bermuda appreciate," said one expat in Smith's.

What do expats find most challenging?

"Expats in Smith's often find the high cost of living to be a significant challenge, as the island is one of the most expensive places to live in the world. The limited availability of goods and services can also be a hurdle, as everything has to be imported, which can lead to shortages and high prices. The slower pace of life, often referred to as "island time", can be frustrating for those used to a faster, more efficient pace. Additionally, the Bermudian dialect and local slang can be difficult to understand for newcomers. Lastly, while Bermudians are generally friendly and welcoming, it can take time for expats to fully integrate into the local community and social circles," said one expat in Smith's.

Is there a lot of crime in Smith's?

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

"Smith's is generally considered a safe and peaceful place. Like any location, it is not completely free of crime, but the rates are relatively low compared to many other places. The most common types of crime tend to be minor offenses such as petty theft or vandalism. Violent crime is rare, and crimes against tourists are particularly uncommon. The local police force is efficient and responsive, contributing to the overall sense of safety in the community. Residents and visitors are advised to take standard precautions, such as locking doors and not leaving valuables unattended, to prevent opportunistic crimes," commented one expat who made the move to Smith's.

About the Author

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

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

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