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St. Ann's Bay, Jamaica: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in St. Ann's Bay | Expat Exchange
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St. Ann's Bay, Jamaica

By Betsy Burlingame

Last updated on Jan 13, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in St. Ann's Bay, Jamaica. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know about living in St. Ann's Bay?

When we asked people what advice they would give someone preparing to move to St. Ann's Bay, they said:

"Before retiring in St. Ann's Bay, expats should know that the cost of living is generally lower than in many western countries, but it can vary depending on lifestyle. The official language is English, but Jamaican Patois is widely spoken, so learning some basic phrases could be beneficial. Healthcare facilities in Jamaica are not as advanced as in some western countries, so expats should ensure they have comprehensive health insurance. It's also important to note that some medications may not be readily available, so it's advisable to bring a sufficient supply of any necessary prescription drugs. The climate in St. Ann's Bay is tropical, with hot and humid weather throughout the year, and hurricane season from June to November. Expats should be prepared for this and understand the necessary precautions to take during severe weather. Jamaica has a high crime rate, particularly in certain areas, so expats should research and choose their living location carefully. It's also important to be aware of local customs and laws, as some actions that are legal in other countries may be illegal in Jamaica. The local cuisine is a mix of various cultures, with a heavy emphasis on seafood, fruits, and spices. Expats should be prepared for a different diet and take the time to explore local food options. Lastly, expats should understand that while St. Ann's Bay is a beautiful location with a rich culture and history, it may not offer the same level of amenities and conveniences as a larger city. Therefore, it's important to be adaptable and open to a different way of life," commented one expat who made the move to St. Ann's Bay.

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What do I need to know before moving to St. Ann's Bay?

When we asked people what advice they would give someone preparing to move to St. Ann's Bay, they said:

"Expats moving to St. Ann's Bay should be aware of the local culture, language, and customs. English is the official language, but Jamaican Patois is widely spoken, so it may be helpful to learn some basic phrases. The cost of living in St. Ann's Bay is generally lower than in major cities, but expats should budget for housing, utilities, groceries, and transportation. Healthcare facilities in St. Ann's Bay are limited, so expats may need to travel to larger cities for specialized care. It is essential to have comprehensive health insurance that covers medical evacuation if necessary. The crime rate in Jamaica is high, and expats should take precautions to ensure their safety, such as avoiding certain areas, not displaying valuables, and being cautious when walking alone at night. The climate in St. Ann's Bay is tropical, with hot and humid weather throughout the year. Expats should be prepared for hurricane season, which runs from June to November, and take necessary precautions to protect their homes and belongings. Public transportation is available, but it can be unreliable, so expats may want to consider purchasing a car for convenience. Expats should also be aware of the local cuisine, which includes traditional Jamaican dishes such as jerk chicken, ackee and saltfish, and rice and peas. There are also international restaurants available for those who prefer a taste of home. Finally, expats should familiarize themselves with local customs and etiquette, such as greeting others with a handshake and maintaining eye contact during conversations," said one expat in St. Ann's Bay.

How do I find a place to live in St. Ann's Bay?

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

"To find a place to live in St. Ann's Bay, you can start by researching online on websites such as Airbnb, Booking.com, and Realtor.com, which offer listings of available properties in the area. You can filter your search based on your preferences, such as budget, type of accommodation, and location. Another option is to contact local real estate agents who have knowledge of the area and can help you find a suitable place to live. You can find their contact information online or in local newspapers and magazines. Additionally, you can join local Facebook groups or online forums where people share information about available rentals and properties for sale in St. Ann's Bay. This can be a great way to connect with locals and get firsthand information about the housing market in the area. Once you have shortlisted a few properties, it is essential to visit them in person to get a better understanding of the neighborhood, amenities, and overall living conditions. This will also give you an opportunity to negotiate the rent or purchase price with the landlord or seller. Lastly, don't forget to ask for recommendations from friends, family, or colleagues who have lived or visited St. Ann's Bay. They might have valuable insights and suggestions to help you find the perfect place to live," remarked one expat who made the move to St. Ann's Bay.

What is a typical expat home or apartment like in St. Ann's Bay?

"A typical expat home or apartment in St. Ann's Bay, is likely to be a comfortable and spacious property, often featuring modern amenities and furnishings. These homes are usually located in safe and secure neighborhoods, with easy access to local shops, restaurants, and other conveniences. Many expat homes in St. Ann's Bay boast beautiful views of the surrounding landscape, including the ocean or lush green hills. Some properties may also include a private pool or access to a shared community pool, as well as outdoor living spaces for enjoying the warm Jamaican climate. Additionally, expat homes in St. Ann's Bay are often well-maintained and managed by professional property management companies, ensuring a hassle-free living experience for residents," explained one expat living in St. Ann's Bay, Jamaica.

What is the average cost of housing in St. Ann's Bay?

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

"The average cost of housing in St. Ann's Bay, can vary greatly depending on the type and location of the property. However, it is generally more affordable compared to other popular tourist destinations in Jamaica. For instance, you can find a modest house for sale in the range of $100,000 to $200,000, while rental prices for a two-bedroom apartment can range from $400 to $800 per month. Keep in mind that these are just average estimates, and actual prices may differ based on various factors," wrote one member in St. Ann's Bay.

How do I meet people in St. Ann's Bay?

When we asked people living in St. Ann's Bay about club and activities where newcomers can meet others, they responded:

"Expats in St. Ann's Bay, often join local sports clubs, such as golf, tennis, or sailing clubs, to engage in recreational activities and meet new people. They may also participate in community service organizations or environmental groups, which offer opportunities to contribute to local causes while connecting with like-minded individuals. Cultural clubs and societies are also popular, as they provide a platform to learn about and appreciate the rich Jamaican culture and history. Expats may also join language exchange groups to improve their Patois, the local dialect, and make friends in the process. In addition to joining clubs and societies, expats often meet people through social events and festivals. Jamaica is known for its vibrant music scene, and attending concerts or music festivals is a great way to meet locals and fellow expats. Dining out is another common way for expats to socialize. St. Ann's Bay has a variety of restaurants offering local and international cuisine, and these places often become social hubs where expats can meet and mingle. Expats also meet people through their children's schools or their workplaces. Many international schools have parent-teacher associations, and these can be a good way to meet other expat families. Similarly, workplaces often have social events or team-building activities where expats can meet their colleagues in a more relaxed setting. Finally, online platforms and social media groups dedicated to expats living in Jamaica can also be a valuable resource for meeting people and getting advice about living in St. Ann's Bay," said one expat who made the move to St. Ann's Bay.

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What should I bring when moving to St. Ann's Bay?

People living in St. Ann's Bay were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to St. Ann's Bay, make sure to pack lightweight and breathable clothing, as the climate is tropical and warm throughout the year. Include items such as shorts, t-shirts, tank tops, sundresses, and light pants. Don't forget to bring a swimsuit, as you'll likely want to enjoy the beautiful beaches and water activities. Pack a few light layers, such as a light jacket or sweater, for cooler evenings or air-conditioned spaces. Comfortable walking shoes or sandals are essential, as well as a pair of water shoes for rocky beaches or water sports. Bring along a wide-brimmed hat, sunglasses, and plenty of sunscreen to protect yourself from the sun. A reusable water bottle is also a good idea to stay hydrated in the heat. Pack any necessary medications, as well as a small first aid kit with items like band-aids, pain relievers, and any personal medical supplies you may need. It's also a good idea to bring insect repellent to protect against mosquitoes and other insects. Bring your passport, driver's license, and any other important identification documents, as well as copies of these documents in case they get lost or stolen. Make sure to have any necessary visas or residency paperwork in order as well. Pack a travel adapter for your electronic devices, as Jamaica uses a different plug type than many other countries. It's also a good idea to bring a portable charger for your phone or other devices. Bring some cash in Jamaican dollars, as well as a credit or debit card that works internationally. It's also a good idea to have a small amount of US dollars, as some places may accept them. Pack any personal items and toiletries you'll need, such as a toothbrush, toothpaste, shampoo, conditioner, and soap. You may also want to bring a small travel-sized laundry detergent for washing clothes. Finally, don't forget to pack a camera or smartphone to capture memories of your time in St. Ann's Bay, as well as a travel guide or phrasebook to help you navigate the local culture and language," said one expat in St. Ann's Bay.

Where should I setup a bank account in St. Ann's Bay?

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

"Expats considering retiring in St. Ann's Bay should be aware of several factors to ensure a smooth transition and enjoyable retirement. Firstly, it is essential to research and understand the cost of living, which can vary depending on lifestyle choices and housing options. While some goods and services may be cheaper than in their home country, others, such as imported items, can be more expensive. Healthcare is another crucial consideration, as the quality of medical facilities and services in Jamaica may not be on par with those in more developed countries. Expats should ensure they have comprehensive health insurance and consider the proximity of hospitals and clinics to their chosen location. Safety and security are important factors to consider, as crime rates can be high in certain areas of Jamaica. Expats should research the safest neighborhoods and take necessary precautions to protect themselves and their property. Understanding the local culture and customs is essential for a smooth integration into Jamaican society. Expats should be prepared to adapt to a more relaxed pace of life, known as "island time," and embrace the friendly and welcoming nature of the local people. Learning the local language, Jamaican Patois, can be helpful in communicating with locals and navigating daily life. However, English is the official language and is widely spoken throughout the country. Expats should also familiarize themselves with the Jamaican climate, which is tropical and can be hot and humid throughout the year. Being prepared for hurricane season, which typically runs from June to November, is essential for those living on the island. Finally, it is crucial to understand the legal requirements for retiring in Jamaica, such as obtaining the appropriate visa and residency permits. Expats should consult with immigration professionals or the Jamaican consulate in their home country to ensure they have the necessary documentation for a hassle-free retirement in St. Ann's Bay," commented one expat who made the move to St. Ann's Bay.

Will I be able to find a job in St. Ann's Bay?

When we asked people about industries and career opportunities in St. Ann's Bay, they reponded:

"In St. Ann's Bay, foreigners often find employment in the tourism industry, working in roles such as tour guides, hotel managers, chefs, and hospitality staff. Some also work in the healthcare sector as doctors, nurses, or medical specialists. Others may find jobs in education as teachers or administrators in international schools. There are also opportunities in the real estate sector for foreigners, particularly in property management and sales. Additionally, some foreigners may work remotely in various fields such as IT, marketing, or writing, serving clients or companies based in their home countries," commented one expat who made the move to St. Ann's Bay.

What is life like in St. Ann's Bay?

When we asked people living in St. Ann's Bay what life is like and how people spend their time, they said:

"Life for expats and digital nomads in St. Ann's Bay is a unique blend of relaxation and adventure. The town offers a laid-back lifestyle with beautiful beaches, lush greenery, and a warm tropical climate. The local community is friendly and welcoming, making it easy for newcomers to feel at home. Expats and digital nomads can enjoy a variety of outdoor activities such as hiking, snorkeling, and exploring the local markets. The food scene in St. Ann's Bay is diverse, with a range of local and international cuisines available. The town is also known for its vibrant music scene, with reggae and dancehall music often heard in the streets. Despite its relaxed atmosphere, St. Ann's Bay is well-equipped for digital nomads. There are several coworking spaces available, and the internet connectivity is generally reliable. The cost of living is relatively low compared to many Western countries, making it an attractive destination for those working remotely. However, it's important to note that while English is widely spoken, understanding the local Patois can be beneficial in day-to-day interactions. Additionally, while crime rates are generally low in St. Ann's Bay, it's still important to take standard safety precautions. Overall, St. Ann's Bay offers a unique and enjoyable lifestyle for expats and digital nomads, combining the comforts of modern living with the charm of a Caribbean paradise," wrote a member in St. Ann's Bay.

What do expats in St. Ann's Bay appreciate most about the local culture?

"Expats in St. Ann's Bay appreciate the warm and friendly nature of the local people, who are always willing to help and make newcomers feel welcome. They also enjoy the laid-back and relaxed atmosphere, which allows them to slow down and enjoy life at a more leisurely pace. The rich cultural heritage, including the vibrant music scene and the delicious local cuisine, is another aspect that expats love about living in St. Ann's Bay. Additionally, the beautiful natural surroundings, including the stunning beaches and lush green landscapes, provide a picturesque setting for outdoor activities and relaxation. Finally, expats appreciate the strong sense of community and the numerous local events and festivals that celebrate Jamaican culture and traditions," explained one expat living in St. Ann's Bay, Jamaica.

What do expats find most challenging?

"Expats in St. Ann's Bay may find the local dialect, Patois, challenging to understand and communicate in, as it is a mix of English and African languages. They might also struggle with the laid-back and relaxed attitude, known as "Jamaican time," which can lead to delays and a slower pace of life. The local cuisine, while delicious, can be quite spicy and may take some time for expats to get used to. Additionally, expats may find it difficult to navigate the local transportation system, which can be chaotic and unreliable. Finally, some expats may experience culture shock due to differences in social norms, such as attitudes towards personal space, punctuality, and directness in communication," commented one expat who made the move to St. Ann's Bay.

Is there a lot of crime in St. Ann's Bay?

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

"St. Ann's Bay, experiences crime like any other city, but it is not considered to be among the most dangerous places in the country. The crime rate in St. Ann's Bay is relatively moderate compared to other areas in Jamaica. However, tourists and residents should still exercise caution and be aware of their surroundings, as incidents of theft, robbery, and other petty crimes can occur. Violent crimes such as assault and murder are less common but not unheard of. It is essential to take necessary precautions and follow safety guidelines to minimize the risk of becoming a victim of crime," remarked one expat who made the move to St. Ann's Bay.

Is there a lot of diversity? Are people in St. Ann's Bay accepting of differences?

"St. Ann's Bay, is a vibrant and diverse community, home to a mix of different cultures, races, and ethnicities. The town is known for its rich cultural heritage, which is a blend of African, European, Indian, and Chinese influences. This diversity is reflected in the local cuisine, music, and festivals. The people of St. Ann's Bay are generally accepting and respectful of differences. They are known for their warm hospitality and open-mindedness. The community values its multicultural heritage and promotes a culture of inclusivity and acceptance. However, like any place, individual experiences may vary," wrote a member in St. Ann's Bay.

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What are the schools in St. Ann's Bay like?

"There is limited information available on international or bilingual schools specifically located in St. Ann's Bay. However, there are several reputable educational institutions in the broader St. Ann region and nearby areas that cater to diverse student populations. One such institution is the American International School of Kingston (AISK), located in Kingston, Jamaica. AISK offers an international curriculum from Pre-K to Grade 12, with a student body representing over 40 nationalities. The school is accredited by the Middle States Association of Colleges and Schools and offers the International Baccalaureate Diploma Program. More information can be found on their website: https://www.aisk.com/. Another notable institution is the Hillel Academy, also located in Kingston. Hillel Academy is a private international school offering a curriculum that combines the best of British, American, and Jamaican education systems. The school offers classes from Pre-K to Grade 13, including Advanced Placement (AP) courses. More information can be found on their website: http://hillelacademyjm.com/. In the St. Ann region, there is the St. Hilda's Diocesan High School, a traditional Jamaican school with a strong academic reputation. While not specifically an international or bilingual school, it offers a comprehensive curriculum that prepares students for local and regional examinations. More information can be found on their website: http://sthildasdiocesanhigh.com/. Please note that while these schools offer high-quality education, they may not specifically offer bilingual programs. It is recommended to contact the schools directly for the most accurate and up-to-date information," explained one expat living in St. Ann's Bay, Jamaica.

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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