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Living in Bermuda: Cost of Living, Healthcare and What to Know About Living in Bermuda | Expat Exchange
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Waterfront in St. George's, Bermuda.

Living in Bermuda

By Joshua Wood, LPC

Last updated on Jan 10, 2024

Summary: People describe life in Bermuda as relaxed, laid-back, and beautiful. Expats love the stunning beaches, the vibrant culture, and the friendly locals. The average cost of living for an expat is quite high, with the cost of living index estimated to be around 150. The population of Bermuda is estimated to be around 65,000 people, with the largest cities being Hamilton, St. George's, and Hamilton Parish. The cons of living in Bermuda include the high cost of living, the limited job opportunities, and the lack of public transportation. Additionally, the weather can be quite unpredictable, with hurricanes and tropical storms occurring frequently.

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What do I need to know about living in Bermuda?

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

"Before retiring in Bermuda, expats should be aware of the cost of living, which is higher than in many other countries. They should also research the local housing market and the availability of rental properties. Additionally, expats should familiarize themselves with the local laws and regulations, as well as the tax system. It is also important to consider the climate and the island's hurricane season. Finally, expats should research the local healthcare system and the availability of medical services," remarked one expat who made the move to Bermuda.

"Do not come. On paper the salary looks good but a loaf of bread is US $3 and a half decent place to live is US$ 3000 a month. You have to be on a good package of 100K or more plus apartment thrown in to be OP here," explained one expat living in Hamilton, Bermuda.

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How do I meet people in Bermuda?

When we asked people living in Bermuda about club and activities where newcomers can meet others, they responded:

"Expats in Bermuda often join clubs and activities such as sailing, golf, tennis, and other outdoor activities. Expats can also join social clubs, such as the Bermuda Expats Club, which organizes events and activities for expats to meet and socialize. Additionally, expats can meet people by attending local events, such as festivals, concerts, and art shows. Expats can also meet people by attending church services, joining a gym, or taking classes at a local college or university," said one expat in Bermuda.

"Join a sports team (even as a social member). There are lots such as football, rugby, hockey. Go to Front Street where all the expats hang out in the bars," said one expat who made the move to Hamilton.

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What is life like in Bermuda?

When we asked people living in Bermuda what life is like and how people spend their time, they said:

"People seem intent on making money. Bermuda is a nice place to visit but to work here as a white expat, you will encounter a certain amount of racism and resentment," wrote one member in Hamilton.

"Life for expats and digital nomads in Bermuda is generally quite pleasant. The island is known for its stunning beaches, crystal clear waters, and vibrant culture. Expats and digital nomads can enjoy a relaxed lifestyle, with plenty of opportunities to explore the outdoors and take part in a variety of activities. Bermuda is also a great place to work remotely, with reliable internet access and a supportive business environment. The cost of living is relatively high, but the quality of life is excellent. Expats and digital nomads can also benefit from the island's excellent healthcare system and low crime rate," remarked one expat who made the move to Bermuda.

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Is there a lot of crime in Bermuda?

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

"Bermuda is generally considered to be a safe place to visit and live. However, like any other place, there is some crime. Petty theft, such as pickpocketing and purse snatching, is the most common type of crime in Bermuda. Violent crime is relatively rare, but it does occur. Drug-related crime is also a problem in Bermuda, as is human trafficking," explained one expat living in Bermuda.

Is there a lot of diversity? Are people in Bermuda accepting of differences?

"Bermuda is a diverse country with a population that is made up of people from many different backgrounds. People in Bermuda are generally accepting of differences and are welcoming to people from all walks of life. The country has a long history of multiculturalism and tolerance, and this is reflected in the vibrant and diverse culture of the island," said one expat who made the move to Bermuda.

"Bermuda is ultra religious. They have a 'holier than though' attitude and people will be surprised if you are a non-church goer. They are very intolerant especially if you are white or gay. For a christian island they are very bigotted and racist," explained one expat living in Hamilton, Bermuda.

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What are the schools in Bermuda like?

"Bermuda has a number of excellent international and bilingual schools. The Bermuda High School for Girls is a private, all-girls school that offers a rigorous academic program and a wide range of extracurricular activities. The school is known for its strong emphasis on the development of leadership skills and its commitment to the development of the whole person. The Berkeley Institute is a public school that offers a bilingual program in English and Spanish. The school has a strong focus on the development of critical thinking skills and encourages students to become active participants in their own learning. The Saltus Grammar School is a private school that offers a comprehensive curriculum and a wide range of extracurricular activities. The school is known for its commitment to academic excellence and its focus on the development of the whole person. The Bermuda Institute is a private school that offers a bilingual program in English and French. The school has a strong focus on the development of critical thinking skills and encourages students to become active participants in their own learning," commented one expat when asked about in Bermuda.

Is the cost of living in Bermuda high?

We asked people how much they someone comfortably live on in Bermuda, they wrote:

"The cost of living in Bermuda is generally higher than in other countries due to the high import taxes and the fact that most goods and services must be imported. Rent and utilities tend to be more expensive than in other countries, and the cost of food and other necessities can also be higher. Transportation costs can also be high, as there is no public transportation system and most people rely on taxis or private vehicles," wrote one member in Bermuda.

"The cost of living in Bermuda is generally high compared to other countries. The cost of living is higher in the capital city of Hamilton and in the tourist areas of St. George's and St. David's. The rental price for a nice 1 bedroom apartment in Bermuda is around $2,000 USD per month, while a nice 2 bedroom apartment is around $2,500 USD per month. Eating dinner at a moderately priced restaurant in Bermuda can cost around $50 USD per person," remarked one expat living in Bermuda.

What type of recreational facilities are in Bermuda?

When we asked people living in Bermuda about recreational activities, they mentioned:

"Residents of Bermuda enjoy a variety of recreational facilities, including beaches, golf courses, tennis courts, and parks. There are also a number of marinas and boat clubs, as well as a variety of water sports such as snorkeling, scuba diving, and sailing. For those looking for a more relaxed experience, there are plenty of restaurants, pubs, and cafes to explore. Additionally, there are a number of cultural attractions, such as museums, galleries, and historic sites," said one expat living in Bermuda.

What is the weather like in Bermuda?

"The weather in Bermuda is typically warm and sunny, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit throughout the year. The island is known for its balmy climate, with gentle breezes and low humidity. The rainy season runs from May to October, with occasional showers and thunderstorms. The hurricane season runs from June to November, with the most active months being August and September," remarked one expat living in Bermuda.

Are there good restaurants in Bermuda?

"One of the most popular restaurants in Bermuda is the Waterlot Inn, located in the Fairmont Southampton Resort. This restaurant is known for its fresh seafood, including the signature dish of Bermuda Fish Chowder. The restaurant also offers a variety of other dishes, such as steak, pasta, and salads. The atmosphere is elegant and the views of the harbor are stunning. Another popular restaurant in Bermuda is the Lobster Pot, located in the heart of St. George's. This restaurant is known for its fresh seafood, including the signature dish of Bermuda Fish Chowder. The restaurant also offers a variety of other dishes, such as steak, pasta, and salads. The atmosphere is casual and the views of the harbor are beautiful. The Swizzle Inn is another popular restaurant in Bermuda. This restaurant is known for its traditional Bermudian cuisine, including the signature dish of Bermuda Fish Chowder. The restaurant also offers a variety of other dishes, such as steak, pasta, and salads. The atmosphere is relaxed and the views of the harbor are breathtaking. Finally, the Pickled Onion is a popular restaurant in Bermuda. This restaurant is known for its traditional Bermudian cuisine, including the signature dish of Bermuda Fish Chowder. The restaurant also offers a variety of other dishes, such as steak, pasta, and salads. The atmosphere is cozy and the views of the harbor are stunning," said an expat in Bermuda.

Where will I buy groceries and do other shopping in Bermuda?

"People living in Bermuda typically buy groceries and do other shopping at supermarkets, convenience stores, and specialty stores. There are also a variety of local markets and farmers markets where people can purchase fresh produce and other items. Additionally, many people shop online for groceries and other items," said an expat in Bermuda.

What are the visa & residency requirements in Bermuda?

"In order to visit Bermuda, visitors must obtain a valid visa prior to arrival. The process of applying for a visa involves submitting an application form, providing proof of identity, and paying the applicable fee. In order to become a resident of Bermuda, applicants must obtain a Certificate of Residency. This process involves submitting an application form, providing proof of identity, and providing evidence of financial means. Applicants must also provide a valid passport, a police certificate, and a medical certificate. Additionally, applicants must attend an interview with the Bermuda Immigration Department," remarked one expat living in Bermuda.

Are healthcare and health insurance expensive in Bermuda?

"Healthcare and health insurance in Bermuda can be expensive. The cost of medical care is higher than in many other countries, and health insurance premiums can be costly. The cost of health insurance is based on age, gender, and pre-existing conditions, and can be quite expensive for those with pre-existing conditions. Additionally, there is a lack of public health insurance options, so those who cannot afford private health insurance may struggle to access medical care," said one expat.

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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.

Waterfront in St. George's, Bermuda.

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