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Ajman, UAE: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Ajman | Expat Exchange
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Ajman, the UAE

By Betsy Burlingame

Last updated on Jul 10, 2023

Summary: Expats, digital nomads and retirees talk about what it is really like living in Ajman, UAE. 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 Ajman?

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

"Ajman is one of the seven emirates that make up the United Arab Emirates (UAE), and it is the smallest in terms of area. Despite its size, Ajman offers a unique blend of modern city life and traditional Emirati culture, making it an attractive destination for expats. Before moving to Ajman, it's important to understand that the UAE is a Muslim country, and its laws and customs reflect this. Respect for local customs and traditions is expected, and public displays of affection, consumption of alcohol outside licensed venues, and inappropriate dressing can lead to fines or imprisonment. The official language in Ajman is Arabic, but English is widely spoken, especially in business settings. However, learning some basic Arabic phrases can be beneficial and is appreciated by locals. The cost of living in Ajman is lower compared to other emirates like Dubai and Abu Dhabi. Housing is more affordable, and you can get more space for your money. However, it's important to negotiate your salary to ensure it covers your living expenses. Ajman has a hot desert climate, with extremely hot summers and warm winters. It's important to stay hydrated and protect yourself from the sun. The healthcare system in Ajman is of a high standard, with both public and private healthcare facilities available. However, health insurance is mandatory in the UAE, so ensure you have adequate coverage. Ajman is a safe city with a low crime rate. However, like anywhere, it's important to take basic precautions to protect your personal safety and belongings. The education system in Ajman offers a variety of curricula from around the world. However, school fees can be high, so if you're moving with children, it's important to factor this into your budget. Driving is the most common mode of transportation in Ajman, and the road network is extensive. However, traffic can be heavy, especially during peak hours. Public transportation is limited, but taxis are widely available and reasonably priced. Finally, it's important to note that the UAE has strict laws on certain medications. If you're on prescription medication, check whether it's legal in the UAE and if you need to carry a doctor's note or prescription with you," commented one expat who made the move to Ajman.

How do I find a place to live in Ajman?

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

"Finding a place to live in Ajman, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a studio apartment to a villa, depending on your needs and financial capacity. Next, you should research the different neighborhoods in Ajman to find one that suits your lifestyle and preferences. Some popular areas include Al Rashidiya, Al Nuaimiya, and Al Rawda. Consider factors such as proximity to work or school, availability of public transportation, safety, and nearby amenities such as supermarkets, restaurants, and parks. Once you have a clear idea of what you're looking for, you can start your search. There are several online property portals that list available properties for rent or sale in Ajman, such as Bayut, Property Finder, and Dubizzle. These websites allow you to filter your search based on location, property type, price range, and other criteria. You can also engage the services of a real estate agent to help you find a suitable place. They can provide valuable insights about the local property market and negotiate on your behalf. Make sure to choose a reputable agent who is registered with the Real Estate Regulatory Agency (RERA) in the UAE. Once you've found a potential place, arrange for a viewing. Check the condition of the property, ask about maintenance and utility costs, and try to get a feel for the neighborhood. If you decide to proceed, you'll need to negotiate the terms of the lease or purchase agreement. In the UAE, it's common to pay rent in advance for the entire year, although some landlords may accept payments in multiple installments. You'll also need to provide a security deposit, which is usually refundable at the end of your lease. Finally, once the agreement is signed, you'll need to register your tenancy contract with the Ajman Real Estate Regulatory Agency (ARRA). This is a mandatory step to ensure your rights as a tenant are protected. Remember, finding a place to live in Ajman, like anywhere else, can take time and patience. But with careful planning and research, you can find a home that suits your needs and budget," explained one expat living in Ajman, the UAE.

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

"A typical expat home or apartment in Ajman, is usually modern and spacious, with a blend of traditional and contemporary design elements. These homes often come fully furnished with high-quality furniture and appliances. They usually have large windows, allowing for plenty of natural light and offering stunning views of the city or the Arabian Gulf. The living area is typically large and open, often combined with a dining area. The kitchen is usually equipped with modern appliances and ample storage space. Bedrooms are generally spacious, often with built-in wardrobes and en-suite bathrooms. Some apartments may also have a maid's room or a study room. Most expat homes in Ajman come with amenities like a swimming pool, gym, and parking space. They are often located in secure gated communities or high-rise buildings with 24/7 security and maintenance services. The location of these homes is usually strategic, close to shopping malls, restaurants, schools, and healthcare facilities. Despite being in a bustling city, these homes often offer a peaceful and quiet living environment. The architecture and design of these homes reflect the luxurious lifestyle of the UAE, with a touch of the country's rich culture and heritage," explained one expat living in Ajman, the UAE.

What is the average cost of housing in Ajman?

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

"The average cost of housing in Ajman, United Arab Emirates, can vary greatly depending on the type and size of the property. For instance, a one-bedroom apartment in the city center may cost around AED 20,000 to AED 30,000 per year to rent, while a similar property outside the city center may cost slightly less. If you're looking to buy property, a standard two-bedroom apartment in Ajman might cost somewhere between AED 200,000 to AED 500,000. However, these prices can fluctuate based on market conditions, the exact location of the property, and the amenities offered," wrote one member in Ajman.

What should I bring when moving to Ajman?

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

"When moving to Ajman, it's important to pack lightweight and breathable clothing due to the hot and humid climate. However, remember to respect the local culture and customs, so pack modest clothing that covers your shoulders and knees. Don't forget to pack a good pair of sunglasses, a hat, and high SPF sunscreen to protect yourself from the intense sun. Bring your essential toiletries, but keep in mind that most items can be easily purchased there. If you have prescription medications, bring enough to last for your initial period, along with a copy of your prescription. Pack your important documents such as passport, visa, driver's license, medical records, and educational certificates. Also, bring a few passport-sized photos as they are often required for various documents. If you're planning to work or study, pack your laptop, work materials, or school supplies. Remember to pack a universal power adapter as the UAE uses a different plug type. Bring some of your favorite non-perishable food items from home, especially if they are hard to find in the UAE. Lastly, pack items that will make your new place feel like home, such as photos, small keepsakes, or your favorite books," remarked one expat living in Ajman, the UAE.

Where should I setup a bank account in Ajman?

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

"Expats considering retirement in Ajman, should be aware that the cost of living can be high, particularly for housing and healthcare. They should also know that the UAE does not offer a retirement visa, so they will need to secure a residence visa through other means, such as by starting a business or buying property. Expats should also be aware that the UAE has strict laws and customs that they will need to follow, including dress codes and rules about public behavior. They should also know that the UAE has a zero-tolerance policy for drugs and alcohol consumption is only allowed in licensed venues. Expats should also understand that the climate in Ajman can be extremely hot, particularly in the summer months. They should also be aware that the healthcare system in the UAE is excellent, but private health insurance is necessary as healthcare can be expensive. Expats should also know that while English is widely spoken in Ajman, learning some Arabic can be beneficial. They should also be aware that the UAE is a tax-free country, but they may still be liable for taxes in their home country. Finally, expats should understand that while Ajman is generally safe, they should still take precautions to protect their personal safety and belongings," said one expat who made the move to Ajman.

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

"Expats in Ajman, often appreciate the warm hospitality and friendliness of the local Emirati people. They value the rich cultural heritage, which is evident in the local architecture, traditional music, dance, and festivals. Many expats also appreciate the safety and security that Ajman offers, as it is one of the safest cities in the world. The local cuisine is another aspect that expats enjoy, with a wide variety of Middle Eastern and international dishes available. The respect for diversity and tolerance towards different cultures and religions is also highly appreciated by expats. Lastly, the high standard of living, modern infrastructure, and the cleanliness of the city are aspects that expats in Ajman highly value," said one expat who made the move to Ajman.

What do expats find most challenging?

"Expats in Ajman often find the language barrier to be a significant challenge, as Arabic is the official language and not everyone is fluent in English. The strict adherence to Islamic customs and traditions can also be difficult for expats to navigate, especially for those who are not familiar with or do not practice the religion. This includes dress codes, dietary restrictions, and prayer times. The extreme heat during the summer months can also be a challenge for those not accustomed to such climates. Additionally, the pace of life in Ajman is slower than in many Western countries, which can be frustrating for expats used to a faster, more immediate pace. Lastly, the strict laws and regulations, particularly those related to alcohol consumption and public behavior, can be challenging for expats to adjust to," wrote one member in Ajman.

Is there a lot of crime in Ajman?

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

"Ajman, like the rest of the United Arab Emirates, is generally considered to be a safe place to live and visit. The crime rate is relatively low compared to other global cities. The UAE government has implemented strict laws and regulations to maintain peace and order, which has resulted in a low crime rate. However, like any other place in the world, minor crimes such as petty theft or scams can occur, but they are not common. Violent crimes are extremely rare. The police force in Ajman is efficient and responsive, contributing to the overall safety of the city. It's always advised for residents and visitors to take standard precautions to protect their personal belongings," said one expat in Ajman.

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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SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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