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Palmerston North, New Zealand: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Palmerston North | Expat Exchange
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Palmerston North, New Zealand

By Betsy Burlingame

Last updated on Sep 03, 2024

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

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What do I need to know before moving to Palmerston North?

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

"Palmerston North, often referred to as "Palmy," is a city in the Manawatu-Wanganui region of New Zealand's North Island. It is known for its vibrant arts scene, beautiful gardens, and excellent educational institutions, including Massey University. The city has a relatively small population, which gives it a friendly, community-oriented vibe. The cost of living in Palmerston North is generally lower than in larger New Zealand cities like Auckland or Wellington. Housing is more affordable, and you can expect to pay less for groceries and other everyday items. However, salaries also tend to be lower, so it's important to factor this into your budgeting. The city has a temperate climate, with mild summers and cool, wet winters. It's a good idea to invest in warm clothing and waterproof gear. Despite the rain, Palmerston North gets a lot of sunshine, so don't forget your sunblock. Public transportation in Palmerston North is reliable, but the city is also very walkable and bike-friendly. Many locals choose to cycle or walk to work, and there are plenty of bike paths and pedestrian-friendly areas. Palmerston North is a multicultural city, with a large population of international students and expats. English is the main language, but you'll also hear many other languages spoken. The city is generally very welcoming to newcomers, and there are plenty of resources available to help you settle in. The city has a strong sporting culture, with many opportunities to watch or participate in rugby, cricket, and other sports. There are also plenty of outdoor activities available, from hiking in the nearby Manawatu Gorge to strolling in the beautiful Victoria Esplanade Gardens. Healthcare in New Zealand is of a high standard, and Palmerston North is home to a large hospital and several smaller medical centers. Some services are free for residents, while others require a small fee. It's recommended to have health insurance to cover any potential costs. Finally, it's important to note that New Zealand has strict biosecurity laws to protect its unique environment. Be sure to declare any food, plant material, or animal products when you arrive in the country. Failure to do so can result in hefty fines," remarked one expat who made the move to Palmerston North.

How do I find a place to live in Palmerston North?

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

"Finding a place to live in Palmerston North involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a single room in a shared house, a studio apartment, or a family home. Next, you should start your search online. Websites like Trade Me Property, RealEstate.co.nz, and Rent.com are good places to start. These websites allow you to filter your search based on location, price range, and type of property. You can also use social media platforms like Facebook, where there are groups dedicated to rental properties in Palmerston North. Another option is to contact real estate agencies in Palmerston North directly. Companies like Watson Real Estate, Professionals, and Harcourts have local offices and can help you find a suitable place. If you're a student looking for accommodation, Massey University offers student housing options and also provides resources to help find off-campus housing. Once you've found a potential place, arrange a time to view the property. This will give you a chance to inspect the property's condition, its proximity to amenities, and get a feel for the neighborhood. If you're satisfied with the property, you'll need to fill out a rental application. This usually requires references and proof of income. Once your application is approved, you'll need to sign a lease agreement. Make sure to read this carefully and understand all the terms before signing. Finally, you'll need to pay a bond (usually the equivalent of three to four weeks' rent) and your first rent payment. The bond is held by the Tenancy Services and can be used to cover any unpaid rent or damage to the property at the end of your lease. Remember, finding the right place can take time, so start your search early and be patient," remarked one expat living in Palmerston North, New Zealand.

What is a typical expat home or apartment like in Palmerston North?

"A typical expat home or apartment in Palmerston North, is often a modern, well-maintained property located in a safe and friendly neighborhood. These homes usually have two to three bedrooms, a spacious living area, a fully equipped kitchen, and one or two bathrooms. Many apartments also come with a balcony or a small outdoor area, offering views of the city or the surrounding landscape. The homes are often furnished, featuring comfortable and contemporary furniture, and equipped with modern appliances, including a washing machine, dryer, dishwasher, and sometimes even a home entertainment system. Central heating is common, especially in the newer buildings, and some homes may also have a fireplace. The location of these homes is often close to local amenities such as supermarkets, restaurants, and schools, making daily life convenient for expats. Some apartments may also offer additional facilities like a gym, swimming pool, or a secure parking space. Despite being in a city, many homes in Palmerston North are close to parks and green spaces, allowing expats to enjoy the outdoors and the city's mild climate. The city's relatively small size also means that most homes are within a short drive or bike ride from the city center, making it easy for expats to explore the local culture and lifestyle. In terms of style, many homes in Palmerston North reflect the city's blend of modern and traditional architecture, with a mix of contemporary apartments and charming, renovated older homes. Overall, expat homes in Palmerston North offer a comfortable and convenient living environment, making it an attractive destination for those looking to relocate to New Zealand," wrote one member in Palmerston North.

What is the average cost of housing in Palmerston North?

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

"As of recent data, the average cost of housing in Palmerston North is typically around the mid to high six-figure mark in New Zealand dollars. However, prices can vary significantly depending on the size, location, and condition of the property," explained one expat living in Palmerston North, New Zealand.

What should I bring when moving to Palmerston North?

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

"When moving to Palmerston North, you should pack clothing suitable for a temperate oceanic climate, which means a mix of warm clothing for the winter months and lighter clothing for the summer. Include a good quality raincoat and umbrella, as the city experiences rainfall throughout the year. Pack your essential documents such as passport, visa documents, driver's license, medical records, and educational certificates. Don't forget your electronics like laptop, mobile phone, chargers, and an adapter as New Zealand uses type I power sockets. If you're planning to cook, you might want to bring some of your favorite non-perishable food items, as some specific brands might not be available. Pack your toiletries, prescription medicines, and a first aid kit. However, remember that New Zealand has strict biosecurity rules to protect its environment, so ensure any items, particularly food and plant material, comply with these regulations. If you're moving for study or work, pack necessary items like books, stationery, and work-related materials. Lastly, bring personal items that make you feel at home, like photographs, favorite books, or small keepsakes. Remember to leave enough room in your luggage for new items you'll acquire during your stay in Palmerston North," wrote a member in Palmerston North.

Where should I setup a bank account in Palmerston North?

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

"Before retiring in Palmerston North, expats should know that the city is known for its friendly and welcoming community, making it an ideal place for retirees. The cost of living is relatively low compared to other major cities in New Zealand, but it's still higher than in many other countries, so it's important to plan your finances accordingly. Healthcare in New Zealand is of a high standard, with a mix of public and private providers. Expats are eligible for public healthcare if they hold a residence visa. However, it's recommended to have private health insurance to cover any additional costs. The climate in Palmerston North is temperate, with mild summers and cool winters. It's important to consider this when deciding what to pack and what kind of housing to look for. The city is known for its vibrant arts scene and numerous outdoor activities, so there's plenty to do in your free time. However, it's also a university city, which means it can get busy during the academic year. English is the main language spoken in Palmerston North, but learning some basic Maori phrases can be beneficial as it's the second most spoken language. New Zealand has strict biosecurity laws to protect its unique ecosystem. Expats should be aware of these laws when bringing personal belongings into the country. Public transportation in Palmerston North is reliable, but having a car can be more convenient for exploring the surrounding areas. Driving is on the left side of the road in New Zealand. Finally, it's important to understand the visa requirements for retiring in New Zealand. The country offers a variety of visas for retirees, but they often require proof of financial self-sufficiency or investment in the country," commented one expat who made the move to Palmerston North.

What do expats in Palmerston North appreciate most about the local culture?

"Expats in Palmerston North often appreciate the friendly and welcoming nature of the local people. They enjoy the laid-back lifestyle and the emphasis on work-life balance that is prevalent in the local culture. The city's rich Maori heritage and the respect for diversity and inclusivity are also highly appreciated. Expats often mention the love for outdoor activities and sports that is ingrained in the local culture, with numerous opportunities for hiking, biking, and exploring the beautiful landscapes. They also appreciate the city's vibrant arts scene, with numerous galleries, theaters, and cultural events. The local food culture, with its emphasis on fresh, locally sourced produce and a wide variety of cuisines, is another aspect that expats in Palmerston North enjoy," explained one expat living in Palmerston North, New Zealand.

What do expats find most challenging?

"Expats in Palmerston North may find the local accent and colloquial language challenging to understand initially. The laid-back lifestyle, while appealing to some, may be difficult for those used to a faster pace of life. The weather can also be a challenge, as it can be quite changeable and unpredictable. Some expats may find the local cuisine different from what they are used to, and adjusting to the local food can be a challenge. The isolation of New Zealand, being far away from many other countries, can also be difficult for some expats. Lastly, understanding and adapting to the Maori culture, which is deeply ingrained in New Zealand society, can be a challenge for some expats," explained one expat living in Palmerston North, New Zealand.

Is there a lot of crime in Palmerston North?

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

"Like any city, Palmerston North in New Zealand experiences some level of crime. However, compared to other major cities in the country, the crime rate is relatively low. The city's crime mainly consists of minor offenses such as theft and vandalism. Serious crimes like violent assaults and robberies are less common. The local police force is active and responsive, contributing to the overall safety of the city. The community also plays a part in maintaining safety, with various neighborhood watch programs and initiatives in place. Despite this, residents are advised to take standard precautions to protect their property and personal safety," remarked one expat who made the move to Palmerston North.

What are the schools in Palmerston North like?

"Palmerston North, is home to several excellent schools, including international and bilingual institutions. One of the most notable is the Palmerston North Boys' High School, a traditional boys' school that offers a broad curriculum with a focus on academic achievement. The school also offers a range of sporting and cultural activities. More information can be found on their website: https://www.pnbhs.school.nz/ Another prominent school is the Palmerston North Girls' High School, which provides a high-quality education for girls and promotes values such as respect, responsibility, and integrity. The school offers a wide range of academic and extracurricular activities. More details can be found on their website: https://www.pnghs.school.nz/ For younger students, the Palmerston North Intermediate Normal School offers a comprehensive curriculum for years 7 and 8, with a focus on developing students' skills and knowledge in a supportive environment. More information can be found on their website: https://www.pnins.school.nz/ In terms of international schools, the International Pacific College (IPC) is a private tertiary institution that offers a range of courses in areas such as business, international relations, and environmental studies. The college has a diverse student body, with students from over 30 different countries. More details can be found on their website: https://www.ipc.ac.nz/ For bilingual education, the Te Kura Kaupapa M?ori o Manawat? is a school that offers a full M?ori medium education for years 1-13. The school is committed to promoting M?ori language and culture, and provides a supportive and nurturing environment for students. More information can be found on their website: http://www.manawatu.school.nz/," commented one expat when asked about in Palmerston North.

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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