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

By Joshua Wood, LPC

Last updated on Jun 15, 2024

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

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What do I need to know before moving to Hafnarfjordur?

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

"Hafnarfjordur is a small town located in the southwestern part of the country, known for its beautiful landscapes and rich Viking history. Before moving to Hafnarfjordur, expats should know that the official language is Icelandic, but English is widely spoken and understood. The cost of living in Hafnarfjordur is relatively high, with groceries, rent, and other necessities often costing more than in other countries. The climate in Hafnarfjordur is subarctic, with cool summers and cold winters, so expats should be prepared for this type of weather. The town is also known for its annual Viking Festival, a popular event that attracts visitors from around the world. Expats should be aware that the healthcare system in Iceland is of a high standard, but it is advisable to have comprehensive health insurance. Public transportation in Hafnarfjordur is reliable and efficient, with buses and taxis readily available. The town is also very walkable, with many amenities within walking distance. Expats should also know that Hafnarfjordur is considered a safe town with a low crime rate. The education system in Iceland is of a high standard, with a number of good schools in Hafnarfjordur. However, there may be limited options for international schooling. The town is also home to a thriving arts scene, with numerous galleries, theaters, and music venues. Expats should also be aware that the work culture in Iceland values work-life balance, and it is common for businesses to close early in the afternoon. Lastly, expats should know that the people of Hafnarfjordur are known for their friendliness and hospitality, making it a welcoming place for newcomers," remarked one expat living in Hafnarfjordur, Iceland.

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

"A typical expat home or apartment in Hafnarfjordur, is often a modern, well-insulated structure designed to withstand the harsh Icelandic weather. These homes are usually equipped with central heating, often powered by the country's abundant geothermal energy. The interior design tends to be minimalist, reflecting the Nordic aesthetic with clean lines, functional furniture, and a neutral color palette. Living spaces are often open plan, combining the kitchen, dining, and living areas. The kitchen is typically equipped with modern appliances, including a dishwasher and a good-sized refrigerator. Bedrooms are usually modest in size, with storage solutions designed to maximize space. Bathrooms often feature heated floors for comfort during the cold winter months. Large windows are a common feature, designed to let in as much natural light as possible during the short winter days and take advantage of the long summer days. Some homes may also have a balcony or a small garden, providing a private outdoor space. Despite being in a city, many homes in Hafnarfjordur offer stunning views of the surrounding landscapes, including the sea, mountains, or lava fields. The city's location also means that amenities such as shops, restaurants, and schools are usually within easy walking distance. In terms of cost, rental prices can be high compared to other countries, reflecting Iceland's high standard of living. However, most expats find that the quality of life, safety, and natural beauty of Hafnarfjordur make it a worthwhile investment," explained one expat living in Hafnarfjordur, Iceland.

What is the average cost of housing in Hafnarfjordur?

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

"The average cost of housing in Hafnarfjordur can vary greatly depending on the size and location of the property. However, as of recent data, a typical apartment in the city center may cost around 350,000 ISK per square meter. For a house in the suburbs, the price may be slightly lower, around 300,000 ISK per square meter. Please note that these are average prices and actual costs can be higher or lower," commented one expat who made the move to Hafnarfjordur.

Where should I setup a bank account in Hafnarfjordur?

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

"Expats considering retirement in Hafnarfjordur should be aware that the cost of living is relatively high, with groceries, dining out, and housing being more expensive than in many other countries. They should also know that the climate is cold and windy, with long, dark winters and short, cool summers. The official language is Icelandic, but English is widely spoken, especially by younger generations. However, learning some Icelandic can be beneficial for integrating into the community. Healthcare in Iceland is of a high standard, but it's important to have comprehensive health insurance as medical costs can be high. Iceland is known for its safety and low crime rates, but it's still important to take standard precautions. Public transportation in Hafnarfjordur is reliable and efficient, but owning a car can be beneficial for exploring the stunning landscapes of the country. Iceland has a high tax rate, so it's important to understand the tax implications before moving. The country is known for its strong sense of community and outdoor lifestyle, with plenty of opportunities for hiking, fishing, and other outdoor activities. Finally, it's important to understand the visa and residency requirements for retiring in Iceland, as the process can be complex and time-consuming," remarked one expat living in Hafnarfjordur, Iceland.

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

"Expats in Hafnarfjordur often appreciate the local culture's strong sense of community and camaraderie. They enjoy the local festivals, particularly the Viking Festival, which is a unique cultural experience that brings history to life. The locals' respect for nature and the environment is also highly appreciated, as is their commitment to sustainability. Expats also value the safety and tranquility of the town, as well as the locals' welcoming and friendly attitude towards foreigners. The local cuisine, especially the seafood, is another aspect of the culture that expats enjoy. Lastly, the stunning natural beauty of Hafnarfjordur, with its lava fields and scenic coastlines, is something that expats never tire of appreciating," commented one expat who made the move to Hafnarfjordur.

What do expats find most challenging?

"Expats in Hafnarfjordur often find the language barrier to be the most challenging aspect of the local culture. Icelandic is a complex language with unique phonetics and grammar rules, making it difficult for foreigners to learn and understand. Another challenge is the weather. The harsh and unpredictable climate, especially during the winter months, can be a significant adjustment for expats. The reserved nature of the Icelandic people can also be a challenge. Icelanders are known for their independence and self-reliance, which can sometimes come across as aloofness to newcomers. This can make it difficult for expats to form connections and integrate into the community. The high cost of living is another challenge that expats face in Hafnarfjordur. Everything from groceries to housing tends to be more expensive compared to other countries. Lastly, the isolation of the country can be a challenge. Being located in the middle of the North Atlantic, Iceland is far from many other countries, which can lead to feelings of isolation and homesickness," said one expat in Hafnarfjordur.

Is there a lot of crime in Hafnarfjordur?

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

"Hafnarfjordur, like most places in Iceland, is generally considered to be very safe. The crime rate is relatively low, with most incidents being minor, such as petty theft or minor traffic violations. Violent crime is extremely rare, and the town is known for its peaceful and secure environment. The local police force is efficient and responsive, contributing to the overall safety of the community. Residents and visitors alike often comment on the sense of security they feel while in Hafnarfjordur," remarked one expat who made the move to Hafnarfjordur.

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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