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

By Joshua Wood, LPC

Last updated on Jul 10, 2023

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

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What do I need to know before moving to Kefalonia?

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

"Kefalonia is a beautiful island known for its stunning beaches, charming villages, and rich history. Before moving there, expats should be aware of several important factors. Firstly, the official language is Greek, and while English is widely spoken in tourist areas, it may not be as common in more rural or residential areas. Therefore, learning some basic Greek phrases can be beneficial. The cost of living in Kefalonia is generally lower than in many other European countries, but it's important to budget for expenses such as rent, utilities, groceries, and healthcare. The healthcare system in Greece is a mix of public and private providers. Expats are advised to secure comprehensive health insurance to cover any medical needs. The island has a Mediterranean climate with hot, dry summers and mild, wet winters. It's important to prepare for this, especially if you're coming from a cooler climate. Public transportation on the island is limited, so having a car can be very useful. However, the roads can be narrow and winding, so it's important to be a confident driver. The pace of life in Kefalonia is slower than in many other places, which can be a big adjustment for some people. It's important to embrace this slower pace and the laid-back lifestyle of the island. The Greek people are known for their hospitality, and Kefalonia is no exception. However, it's important to respect the local customs and traditions. Finally, while Kefalonia is generally a safe place to live, it's always important to take basic safety precautions, such as locking your home and car, and being aware of your surroundings," commented one expat who made the move to Kefalonia.

How do I find a place to live in Kefalonia?

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

"Finding a place to live in Kefalonia, 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 large villa. Next, you should research the different areas of Kefalonia to decide where you'd like to live. Some popular areas include Argostoli, the island's capital, and the coastal towns of Lixouri and Fiskardo. Each area has its own unique charm and amenities, so it's important to choose a location that suits your lifestyle and needs. Once you've decided on a location, you can start searching for available properties. There are several online real estate platforms that list properties for rent or sale in Kefalonia, such as Spitogatos, XE, and HomeGreekHome. These websites allow you to filter your search based on location, property type, price, and other criteria. In addition to online searches, 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 legal process of renting or buying a property in Greece. When you find a property you're interested in, it's important to visit it in person before making a decision. This will give you a chance to inspect the property's condition, check out the neighborhood, and see if it truly meets your needs. Finally, once you've found your ideal home, you'll need to sign a lease or purchase agreement. This should be done with the assistance of a lawyer to ensure that all legal requirements are met and that your rights are protected. Remember, moving to a new country can be a complex process, so it's important to take your time, do your research, and seek professional advice when necessary," wrote a member in Kefalonia.

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

"A typical expat home or apartment in Kefalonia, is often a blend of traditional Greek architecture and modern amenities. The exterior of the homes usually feature the iconic white-washed walls and blue doors and windows, reminiscent of the classic Greek island aesthetic. Inside, the homes are spacious and airy, with high ceilings and large windows that let in plenty of natural light. The living area often opens up to a balcony or a patio, offering stunning views of the Ionian Sea or the surrounding mountains. The kitchen is usually fully equipped with modern appliances, while the bedrooms and bathrooms are designed for comfort and convenience. Many expat homes in Kefalonia also come with a private swimming pool and a garden, providing a perfect setting for outdoor living and entertaining. The homes are typically located in quiet neighborhoods, close to local amenities such as shops, restaurants, and beaches. Despite the tranquil setting, most expat homes in Kefalonia are equipped with high-speed internet and satellite TV, catering to the needs of modern, connected lifestyles. The interiors are often tastefully decorated, featuring a mix of contemporary furniture and traditional Greek elements, creating a unique and comfortable living environment. In terms of location, expat homes can be found all over the island, from the bustling capital of Argostoli to the picturesque villages of Fiskardo and Assos. Regardless of where they are situated, these homes offer a unique opportunity to experience the laid-back lifestyle and stunning natural beauty of Kefalonia," wrote one member in Kefalonia.

What is the average cost of housing in Kefalonia?

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

"The average cost of housing in Kefalonia can vary greatly depending on the location and size of the property. For instance, a small apartment in the city center may cost around a few hundred thousand euros, while a larger villa with a sea view can cost over a million euros. However, on average, you can expect to pay around several hundred thousand euros for a decent-sized property in a good location. Please note that these are rough estimates and prices can fluctuate based on the real estate market," remarked one expat living in Kefalonia, Greece.

What should I bring when moving to Kefalonia?

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

"When moving to Kefalonia, it's important to pack a variety of clothing suitable for the Mediterranean climate. This includes lightweight clothing for the hot summers, as well as some warmer items for the cooler winter months. Don't forget to pack a good pair of walking shoes for exploring the island's beautiful landscapes. Swimwear is a must, as Kefalonia is known for its stunning beaches. You should also pack a hat, sunglasses, and plenty of sunscreen to protect yourself from the strong sun. A beach towel and a reusable water bottle would also be useful for beach days. Remember to bring any necessary medications, as well as a basic first aid kit. It's also a good idea to pack travel-sized toiletries to use until you can buy full-sized products in Kefalonia. If you plan on cooking at home, you might want to bring some of your favorite non-perishable food items, as they may be hard to find on the island. Similarly, if you have favorite books or other entertainment items, consider bringing them along, as English-language items might be limited. Don't forget to pack all necessary travel documents, including your passport, driver's license, and any necessary visas or residency permits. It's also a good idea to bring copies of important documents, just in case. Lastly, consider packing a few items to make your new home feel more comfortable and personal, such as photos, small decorations, or your favorite blanket or pillow," commented one expat who made the move to Kefalonia.

Where should I setup a bank account in Kefalonia?

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

"Expats considering retirement in Kefalonia should be aware of several important factors. Firstly, the cost of living in Kefalonia is generally lower than in many Western countries, but it's still important to have a solid financial plan in place. Healthcare in Greece is of a good standard, but it's recommended to have comprehensive health insurance. The official language is Greek, and while English is widely spoken in tourist areas, learning some basic Greek phrases can be beneficial. The climate in Kefalonia is Mediterranean, with hot, dry summers and mild, wet winters. The island is known for its relaxed pace of life, which can be a big adjustment for those used to a faster-paced lifestyle. The local cuisine is Mediterranean, with a focus on fresh, local produce and seafood. Kefalonia is well-connected to the mainland and other islands by ferry, but public transportation on the island itself is limited, so having a car can be useful. The island is generally safe, but like anywhere, it's important to take basic precautions to protect yourself and your property. Finally, it's important to understand the local customs and traditions, as well as the legal requirements for residency, which can be complex and may require the assistance of a lawyer or immigration expert," remarked one expat who made the move to Kefalonia.

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

"Expats in Kefalonia, appreciate the warm and welcoming nature of the local people, who are always ready to help and make newcomers feel at home. They love the relaxed pace of life, which is a stark contrast to the hustle and bustle of city living. The rich history and tradition that is deeply embedded in the local culture is also highly appreciated. The locals' respect for the environment and their commitment to preserving their natural surroundings is another aspect that expats admire. The vibrant festivals and events that showcase Greek culture and tradition are also a highlight for many expats. Additionally, the delicious local cuisine, characterized by fresh seafood and locally grown produce, is a favorite among expats. Lastly, the beautiful landscapes, stunning beaches, and pleasant weather make living in Kefalonia a truly enjoyable experience," said one expat in Kefalonia.

What do expats find most challenging?

"Expats in Kefalonia often find the language barrier to be the most challenging aspect of the local culture, as not everyone speaks English and important documents are often in Greek. The slower pace of life can also be a challenge for those used to a faster, more structured lifestyle. The Greek concept of time, known as "Greek time", where punctuality is not always a priority, can be frustrating for some. Additionally, navigating the Greek bureaucracy can be difficult and time-consuming, especially for those who are not familiar with the system. The cultural emphasis on social connections and networking, or "Rousfeti", can also be challenging for expats who are used to a more individualistic culture. Lastly, adapting to the local diet, which is heavily based on seafood and olive oil, can be a challenge for some," wrote a member in Kefalonia.

Is there a lot of crime in Kefalonia?

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

"Kefalonia, is generally considered a safe destination for both residents and tourists. The crime rate is relatively low compared to other regions. Most reported incidents are minor, such as petty theft or pickpocketing, particularly in crowded tourist areas. Violent crime is rare, and the island maintains a peaceful and secure environment. However, like any other place, it is always advisable for visitors to take standard precautions to protect their belongings and personal safety," commented one expat who made the move to Kefalonia.

What are the schools in Kefalonia like?

"Kefalonia, is a beautiful island known for its stunning landscapes and rich history. However, it appears that there are no specific international or bilingual schools listed directly on the island. The education system in Greece is primarily public and follows a national curriculum, with Greek as the primary language of instruction. For English-speaking or international education, families in Greece often turn to larger cities like Athens or Thessaloniki. For instance, the American Community Schools (ACS) Athens (https://www.acs.gr/) is a well-known international school offering an American-based curriculum with an international perspective, from pre-kindergarten to grade 12. Another option is the Byron College (http://www.byroncollege.gr/), a British international school in Athens, offering a British-based curriculum for students aged 3-18 years. The International School of Athens (ISA) (https://www.isa.edu.gr/) is another reputable institution, offering both the International Baccalaureate and American High School Diploma. For bilingual education, the French School of Athens (https://www.efa.gr/) offers a curriculum in both French and Greek, while the Deutsche Schule Athen (https://www.dsathen.gr/) provides a German-Greek bilingual education. However, for families residing in Kefalonia, these schools would likely require boarding or relocation to the mainland. It would be best to reach out to local education authorities in Kefalonia for advice on the best options for international or bilingual education on the island," remarked one expat living in Kefalonia with children attending .

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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