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

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AGS Worldwide Movers
AGS Worldwide Movers

By Betsy Burlingame

Last updated on Apr 10, 2024

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

What do I need to know before moving to Christchurch?

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

"Before moving to Christchurch, expats should know that the city is still recovering from the 2011 earthquake, with ongoing construction and rebuilding efforts. The cost of living in Christchurch is relatively high, with housing being the largest expense. The city has a temperate oceanic climate, with mild summers and cool, wet winters. Expats should also be aware that Christchurch is a car-centric city, so owning a vehicle can be beneficial. However, the city also has a reliable public transportation system, including buses and a tram system. The healthcare system in New Zealand is of a high standard, with a mix of public and private providers. Expats from certain countries may be eligible for subsidized healthcare under the reciprocal health agreements. English is the primary language spoken in Christchurch, but the city is becoming increasingly multicultural, with a growing number of residents from Asia and Europe. The city is known for its English heritage, with many historic buildings and beautiful gardens. It also has a vibrant arts scene, with numerous galleries, theaters, and festivals throughout the year. Education in Christchurch is of a high standard, with a range of options for expat families, including public, private, and international schools. The city is also home to several universities and tertiary institutions. New Zealand has strict biosecurity laws to protect its unique flora and fauna, so expats should be aware of the restrictions on bringing certain items into the country. Lastly, New Zealanders, known as Kiwis, are generally friendly and welcoming, but it can take time to fully integrate into the local community," remarked one expat living in Christchurch, New Zealand.

How do I find a place to live in Christchurch?

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

"Finding a place to live in Christchurch 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 larger family home. Next, you should research different neighborhoods in Christchurch to find one that suits your lifestyle and needs. Some popular areas include Riccarton, Merivale, and Sumner. Consider factors such as proximity to work or school, access to public transportation, safety, and nearby amenities such as shops, restaurants, and parks. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find rental listings, such as Trade Me Property, realestate.co.nz, and nzflatmates. These websites allow you to filter results based on your preferences, such as location, price, and property type. In addition to online listings, you may also want to consider engaging a real estate agent. They can provide valuable local knowledge, help you navigate the rental process, and potentially give you access to listings before they are publicly advertised. When you find a property you're interested in, you'll typically need to fill out an application and provide references. It's also common to pay a bond (usually equivalent to four weeks' rent) and the first week's rent in advance. Finally, before signing a lease, make sure to thoroughly inspect the property. Check for any signs of damage or maintenance issues, and ensure that any appliances or fixtures included in the rental are in good working order. If you're not familiar with New Zealand tenancy laws, you may want to seek legal advice to ensure your rights are protected," explained one expat living in Christchurch, New Zealand.

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

"A typical expat home or apartment in Christchurch, is often a modern, well-furnished space with a blend of contemporary and traditional Kiwi design elements. These homes usually have spacious living areas, comfortable bedrooms, and fully equipped kitchens. Many apartments offer stunning views of the city or the surrounding natural beauty, including mountains and the ocean. Outdoor living is a significant part of New Zealand culture, so many homes also feature outdoor spaces like balconies, patios, or gardens. Some expat homes might be located in suburban areas, offering a more relaxed, family-friendly environment with easy access to parks, schools, and shopping centers. On the other hand, apartments in the city center are popular among single expats or those who prefer a more urban lifestyle. These apartments are often located in close proximity to restaurants, bars, and cultural attractions. Despite the variety, a common feature of most expat homes in Christchurch is their adherence to high building standards, especially in terms of earthquake resistance, given the city's history. In terms of interior design, many homes and apartments in Christchurch feature a clean, minimalist aesthetic with plenty of natural light. They often come furnished, but the level of furnishing can vary, with some homes including all necessary appliances and furniture, while others might only include the basics. In general, expat homes and apartments in Christchurch offer a comfortable, high-quality living environment that allows expats to enjoy the best of what New Zealand has to offer," explained one expat living in Christchurch, New Zealand.

What is the average cost of housing in Christchurch?

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

"As of recent data, the average cost of a house in Christchurch is approximately NZD 500,000. However, prices can vary significantly depending on the location, size, and condition of the property," remarked one expat living in Christchurch, New Zealand.

Where should I setup a bank account in Christchurch?

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

"We switched banks, there are no major American banks represented here. We found out through an expat forum that National Bank of New Zealand would open an account for us before we arrived in New Zealand, which was extremely useful. Other banks here may do this now, but 4 years ago we couldn't find any other bank that would do this for us. I don't know of any other special services that the banks here offer that would be useful to expatriates. We change all of our currency through either an online currency trading firms (xe.com), or through a local firm we've discovered here in Christchurch," said one expat in Christchurch.

"Before retiring in Christchurch, expats should know that the cost of living can be high, especially when it comes to housing and groceries. They should also be aware that healthcare in New Zealand is of a high standard, but private health insurance is recommended for more comprehensive coverage. Expats should understand that New Zealand has a temperate climate, with Christchurch experiencing cold winters and warm summers. They should also be prepared for the potential of earthquakes, as Christchurch is located in a seismic zone. Understanding the tax system is crucial, as New Zealand has a progressive tax system and retirees may still need to pay income tax on their pensions. Expats should also be aware of the visa requirements for living in New Zealand long-term. The country offers a variety of visas for retirees, but these often come with financial stipulations. It's important to note that New Zealanders are known for their friendly and welcoming nature, and Christchurch has a strong sense of community. The city offers a range of activities and amenities, from outdoor pursuits to cultural events. Finally, expats should know that English is the primary language spoken in New Zealand, but the country has a unique culture and history, with Maori traditions playing a significant role. Therefore, learning about and respecting these traditions will be an important part of integrating into the community," said one expat who made the move to Christchurch.

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

"Expats in Christchurch often appreciate the friendly and welcoming nature of the locals. They enjoy the laid-back lifestyle and the emphasis on work-life balance. The city's rich history and cultural heritage, including its Maori influences, are also highly appreciated. Expats often mention their love for the vibrant arts scene, with numerous festivals, galleries, and live performances. They also value the strong sense of community and the willingness of locals to help each other out. The outdoor lifestyle, with easy access to beautiful parks, beaches, and mountains, is another aspect of Christchurch culture that expats often highlight. Finally, many expats appreciate the city's commitment to sustainability and environmental conservation," said one expat in Christchurch.

What do expats find most challenging?

"Expats in Christchurch often find the local accent and colloquial language challenging to understand, especially when they first arrive. The laid-back and reserved nature of Kiwis can also be a challenge for expats who are used to more outgoing and expressive cultures. Some expats may find it difficult to adapt to the slower pace of life in Christchurch, as well as the city's relative isolation from the rest of the world. The high cost of living, particularly in terms of housing and groceries, can also be a significant challenge for many expats. Lastly, the unpredictable weather in Christchurch, which can change rapidly within a single day, can be difficult for expats to get used to," explained one expat living in Christchurch, New Zealand.

Is there a lot of crime in Christchurch?

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

"Like any city, Christchurch, experiences some level of crime. However, compared to other major cities worldwide, the crime rate is relatively low. The most common types of crime are property-related, such as theft and burglary. Violent crime does occur but is less common. The local police force is active and responsive, and there are numerous community initiatives in place to help prevent crime and maintain the city's overall safety. It's important to note that crime rates can vary between different areas of the city. Despite this, Christchurch is generally considered a safe place to live and visit," remarked one expat living in Christchurch, New Zealand.

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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