Retire in Hamilton, Bermuda
Last updated on Apr 16, 2025
Summary: Hamilton, Bermuda is a popular destination for retirees due to its stunning natural beauty, vibrant culture, and low cost of living. The city is home to a number of retirement communities, offering a variety of amenities such as swimming pools, fitness centers, and social activities. The cost of a nice two bedroom home in Hamilton is typically around $400,000 USD, while a nice three bedroom home can cost up to $600,000 USD. The weather in Hamilton is typically warm and sunny, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit.
What is it like to retire in Hamilton?
"Retirees in Hamilton and its surroundings enjoy a relaxed lifestyle with plenty of activities to keep them busy. There is an active expat community, with many retirees from the United States, Canada, and the United Kingdom. There are plenty of cultural attractions to explore, such as the Bermuda National Gallery, the Bermuda Maritime Museum, and the Bermuda Aquarium, Museum and Zoo. There are also plenty of recreational activities to enjoy, such as golf, tennis, sailing, and fishing. For those looking for a night out, there are plenty of bars, restaurants, and clubs to explore," commented one retiree living in Hamilton, Bermuda.

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What advice do overseas retirees have for others considering retiring abroad?
"Retiring abroad can be an extremely exciting and rewarding experience. It is important to do research and thoroughly consider different countries, cultures and lifestyles before committing to a location. Speak to people who have already retired abroad and ask them what they like, dislike and recommend. Make sure to consider legal and financial requirements when selecting a country to retire in, such as residency and taxation rules. Having plans in place for medical care and language immersion is important, as well as the cost of living in the new country. Additionally, research to find out what expatriate communities exist so you can create a support network abroad. It is also beneficial to explore potential places to live, how to obtain visas and the best methods of transportation. Most importantly, enjoy the journey and make sure to have fun," explained a retiree in Hamilton.
What are the most challenging aspects of retiring in Hamilton?
"One of the most challenging aspects of retiring in Hamilton is the high cost of living. The cost of housing, groceries, and other necessities is significantly higher than in many other parts of the world. Additionally, the island is relatively isolated, making it difficult to access medical care and other services. The climate can also be a challenge, as the island is prone to hurricanes and other extreme weather events. Finally, the island is small, so there are limited opportunities for entertainment and leisure activities," explained one retiree living in Hamilton.

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What are the most rewarding aspects of retiring in Hamilton?
"Retiring in Hamilton offers a variety of rewarding experiences. The island is known for its stunning natural beauty, with its white sand beaches, crystal clear waters, and lush tropical vegetation. The climate is mild and pleasant year-round, making it an ideal place to relax and enjoy the outdoors. Hamilton is also a vibrant city, with a variety of cultural attractions, restaurants, and shopping. The cost of living is relatively low, making it an affordable place to retire. Additionally, the island is known for its friendly and welcoming people, making it a great place to make new friends and build a sense of community," said one retiree in living in Hamilton, Bermuda.
What are healthcare services like in Hamilton?
We asked retirees if they have access to good medical care in Hamilton. They wrote:
"Healthcare services in Hamilton are provided by the King Edward VII Memorial Hospital, which is the only public hospital in the country. The hospital offers a wide range of services, including emergency care, general surgery, obstetrics and gynecology, pediatrics, and mental health services. Private healthcare is also available in Hamilton, with a number of private clinics and hospitals offering specialized services. Additionally, there are a number of pharmacies in the city, providing access to prescription medications," explained one retiree living in Hamilton.
How do I meet people in Hamilton?
When we asked people living in Hamilton about club and activities where newcomers can meet others, they responded:
"Expats in Hamilton often join clubs and activities such as sailing, golf, tennis, and cricket. Expats can also join local organizations such as the Bermuda National Trust, the Bermuda Underwater Exploration Institute, and the Bermuda National Gallery. Additionally, expats can meet people by attending local events such as the Bermuda Music Festival, the Bermuda International Film Festival, and the Bermuda Triangle Challenge. Expats can also meet people by attending local churches, joining a book club, or attending a language exchange," remarked one retiree in Hamilton.
"Women should join the Internation American Women's Club. It isn't just for Americans, and has members from all over the globe, mostly Americans, Brits and Canadians, and some Bermudians. And excellent way of meeting other women and finding out about everything you need to know in order to live on this surprisingly challenging (if beautiful) island. There is also a British Wives group. My advice - take it slowly and don't say anything to anyone you wouldn't want them to repeat," said a retiree who moved to Hamilton, Bermuda.
What is life like in Hamilton?
When we asked people living in Hamilton what life is like and how people spend their time, they said:
"Life for expats and digital nomads in Hamilton is a unique experience. The city is a vibrant and bustling hub of activity, with plenty of opportunities for work, leisure, and exploration. The city is known for its stunning beaches, crystal clear waters, and lush tropical vegetation. Expats and digital nomads can enjoy the laid-back atmosphere of the city, as well as the convenience of modern amenities. The cost of living is relatively low, and the city is well-connected to the rest of the world, making it an ideal destination for those looking to work remotely. The locals are friendly and welcoming, and the city is a great place to make new friends and explore the culture," commented one retiree living in Hamilton, Bermuda.
"Life revolves around the company you work for primarily, and the friends you make there through social events. Secondly sports associations (squash, golf etc.) and for ladies the American Women's Club and its events," explained one retiree living in Hamilton.

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Click connect to have our partner contact you via e-mail and/or phone.

We are a U.S. tax firm specializing in taxes for Americans living abroad. We offer expert guidance on navigating the complexities of filing overseas income, foreign asset reporting, and ensuring compliance with both U.S. and international tax regulations. Universal Tax Professionals is a team of experienced experts well-versed in the latest tax laws, including the nuances that apply to expatriates.
Click connect to have our partner contact you via e-mail and/or phone.
What do I need to know before retiring in Hamilton?
When we asked people what advice they would give someone preparing to move to Hamilton, they said:
"Don't, unless you have a very good remuneration package, with a housing allowance of at least $2500. You will not be able to rent ANYTHING for less than that, and a decent appartment will cost $5000 up. Everything is VERY expensive, especially food. The island is VERY small, and you will get "island fever" and need to leave periodically. This is also quite expensive as there are no cheap flights off the island. Go and have a look first, and be prepared for culture shock," remarked one retiree in Hamilton.
"Before retiring in Hamilton, expats should be aware of the cost of living, which is higher than in many other countries. They should also be aware of the climate, which is subtropical and humid, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit. Additionally, expats should research the local culture and customs, as well as the availability of healthcare and other services. Finally, expats should be aware of the visa requirements for living in Bermuda, which may require a work permit or other documentation," said a retiree who moved to Hamilton, Bermuda.
What type of recreational activities are there in Hamilton?
"1. Horseshoe Bay Beach: Horseshoe Bay Beach is a stunning crescent-shaped beach with pink sand and crystal-clear waters, perfect for swimming, sunbathing, and snorkeling. It is one of Bermuda's most famous beaches and offers amenities such as beach chair and umbrella rentals, restrooms, and a beach café. 2. Bermuda Botanical Gardens: The Bermuda Botanical Gardens is a 36-acre park featuring a diverse collection of exotic and native plants, including a rose garden, a subtropical fruit garden, and a sensory garden. Visitors can also explore the Camden House, the official residence of Bermuda's Premier, and the Masterworks Museum of Bermuda Art. 3. Victoria Park: Victoria Park is a beautiful public park in the heart of Hamilton, featuring lush green spaces, walking paths, and a bandstand that hosts live music performances during the summer months. The park is a popular spot for picnics, relaxation, and community events. 4. Bermuda Underwater Exploration Institute (BUEI): The BUEI is a state-of-the-art facility dedicated to showcasing Bermuda's unique marine environment through interactive exhibits, a simulated diving experience, and a 3D theater. Visitors can learn about the island's diverse marine life, shipwrecks, and underwater archaeology. 5. Hamilton Harbour: Hamilton Harbour is a bustling waterfront area offering a variety of recreational activities, including sailing, kayaking, and paddleboarding. Visitors can also enjoy scenic boat tours, waterfront dining, and shopping at the nearby Royal Naval Dockyard. 6. Bermuda National Gallery: The Bermuda National Gallery is an art museum located in the City Hall and Arts Centre, featuring a diverse collection of local and international art, including works by famous Bermudian artists and European masters. 7. Fort Hamilton: Fort Hamilton is a historic British fort built in the 19th century, offering panoramic views of Hamilton and the surrounding harbor. Visitors can explore the fort's well-preserved ramparts, underground passages, and lush gardens. 8. Admiralty House Park: Admiralty House Park is a picturesque park and beach area featuring the ruins of a historic British naval residence. The park offers walking trails, picnic areas, and a small beach with calm waters for swimming and snorkeling. 9. Bermuda Aquarium, Museum, and Zoo (BAMZ): BAMZ is a popular attraction that houses a diverse collection of marine life, including sea turtles, sharks, and colorful fish. The facility also features a natural history museum and a zoo with a variety of exotic and native animals. 10. Albuoy's Point: Albuoy's Point is a scenic waterfront park located in the heart of Hamilton, offering stunning views of the harbor and a peaceful setting for relaxation and picnics. The park is also home to the iconic Birdcage, a historic traffic control booth that has become a symbol of the city," explained one member in Hamilton.
Where will I buy groceries and do other shopping in Hamilton?
"Expats in Hamilton, often shop for groceries at The Supermart, a popular supermarket located in the heart of the city. The Supermart offers a wide variety of local and international products, fresh produce, and household items. Their website (https://www.thesupermart.bm/) provides information on their products and services. Another popular grocery store is Lindo's Market, which offers a range of fresh produce, meats, and other grocery items. They also have an online shopping platform (https://www.lindos.bm/) that allows customers to order groceries for delivery or pickup. Miles Market is another option for expats, known for its high-quality products, including organic and specialty items. Their website (https://www.milesmarket.com/) provides information on their offerings and services. For clothing and other shopping needs, expats can visit the Washington Mall, a shopping center located in the heart of Hamilton. The mall features a variety of stores, including clothing boutiques, electronics shops, and gift stores. More information can be found on their website (https://www.washingtonmall.bm/). Another popular shopping destination is the Brown & Co. department store, which offers a range of products, including clothing, accessories, and home goods. Their website (https://www.brown.bm/) provides more information on their offerings. For fresh produce and local goods, expats can visit the City Market, a farmers' market held every Saturday in Hamilton. The market features a variety of vendors selling fresh fruits, vegetables, and other locally-made products. More information can be found on their Facebook page (https://www.facebook.com/CityMarketBermuda/)," wrote one person in Hamilton.
About the Author
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.
Additional Information:
- Expat Guide to Hamilton
- Healthcare & Health Insurance in Hamilton
- Tips for Expats Driving in Hamilton
- Cost of Living in Hamilton
- Health Care in Hamilton
- Discover the Best of Hamilton
- Healthcare & Health Insurance in Bermuda
- Best Places to Live in Bermuda
- Pros & Cons of Living in Bermuda
- How to Buy a Home in Bermuda
- Pros and Cons of Living in Bermuda 2025
- 2025 Guide to Moving to Bermuda