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Caye Caulker, Belize: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Caye Caulker | Expat Exchange
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Caye Caulker, Belize

By Betsy Burlingame

Last updated on Jun 08, 2024

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

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What do I need to know about living in Caye Caulker?

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

"Before retiring in Caye Caulker, expats should know that the cost of living is relatively low compared to many Western countries, but higher than some other parts of Belize. The official language is English, which can make the transition easier for those from English-speaking countries. The currency is the Belize dollar, which is pegged to the US dollar at a rate of 2:1. Healthcare facilities in Caye Caulker are basic, so those with serious medical conditions may need to travel to Belize City or even abroad for treatment. Expats should ensure they have comprehensive health insurance that covers medical evacuation. The climate is tropical, with high temperatures and humidity year-round, and a rainy season from June to November. Hurricanes can occur, so it's important to have a plan in place for these events. Caye Caulker is a small island with a relaxed, laid-back lifestyle. It's popular with tourists and has a range of amenities, but it doesn't have the same level of infrastructure or services as a larger city. The island is part of the Belize Barrier Reef Reserve System, which is a UNESCO World Heritage Site. This makes it a great place for snorkeling and diving, but also means there are restrictions on certain activities to protect the environment. The crime rate in Belize is higher than in many Western countries, although Caye Caulker is generally considered safer than some other parts of the country. Expats should take sensible precautions to protect their personal safety and belongings. Belize has a residency program for retirees, known as the Qualified Retired Persons (QRP) program, which offers tax benefits and allows you to live in Belize on a permanent basis. However, to qualify you must be over 45, have a guaranteed income, and spend at least one month of the year in Belize. Finally, it's important to visit Caye Caulker before deciding to retire there, to make sure the lifestyle and culture are a good fit for you," said one expat in Caye Caulker.

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What do I need to know before moving to Caye Caulker?

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

"Caye Caulker is a small island located in the Caribbean Sea, known for its relaxed atmosphere, beautiful beaches, and vibrant marine life. Before moving there, expats should be aware of several important factors. Firstly, the official language of Belize is English, which can make the transition easier for English-speaking expats. However, many locals also speak Creole or Spanish, so learning a few phrases in these languages can be beneficial. The cost of living in Caye Caulker is relatively low compared to many Western countries, but it's higher than in other parts of Belize. Housing can be expensive, especially for beachfront properties. Groceries and other goods can also be pricier due to the cost of importing items to the island. Healthcare facilities on the island are limited. For serious medical conditions, you may need to travel to Belize City or even outside the country. Therefore, it's crucial to have comprehensive health insurance that covers medical evacuation. The island's economy is heavily dependent on tourism, which means job opportunities for expats can be limited and often seasonal. Many expats choose to start their own businesses, but this requires obtaining the necessary permits and licenses. Caye Caulker has a tropical climate with high temperatures and humidity year-round. It's also susceptible to hurricanes, so it's important to be prepared for these weather conditions. The island has a laid-back, slow-paced lifestyle, often referred to as "go slow". This can be a significant change for those used to a fast-paced city life. Public transportation is limited to golf carts, bicycles, and walking. There are no cars on the island, which contributes to its relaxed atmosphere. Finally, while Caye Caulker is generally safe, like any place, it's not immune to crime. Expats should take standard precautions to protect their personal safety and belongings," said one expat who made the move to Caye Caulker.

How do I find a place to live in Caye Caulker?

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

"Finding a place to live in Caye Caulker, involves several steps. First, you need to determine your budget and what type of accommodation you are looking for. This could range from a small apartment to a larger house or villa. Next, you should research the different areas of Caye Caulker to find a location that suits your lifestyle and needs. Some people might prefer a quiet area, while others might want to be closer to the nightlife or beach. 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 listings for rentals in Caye Caulker, such as Airbnb, Vrbo, and local real estate websites. You can also contact local real estate agents who can help you find a place to live. They have extensive knowledge of the local market and can help you navigate the process. Another option is to visit Caye Caulker and look for rentals in person. This can be a good way to get a feel for the different areas and see potential homes first-hand. When you find a place you're interested in, make sure to thoroughly check the property and understand the terms of the lease before signing anything. Finally, once you've found your perfect place, you'll need to arrange utilities and other services. This might include setting up internet, electricity, and water services. Remember, moving to a new place can be challenging, but with careful planning and research, you can find a great place to live in Caye Caulker," wrote a member in Caye Caulker.

What is a typical expat home or apartment like in Caye Caulker?

"A typical expat home or apartment in Caye Caulker, is often a charming, beach-style property. These homes are usually designed to take advantage of the tropical climate, with open floor plans, large windows, and outdoor living spaces. Many homes have a Caribbean flair, with bright colors, tropical hardwoods, and thatched roofs. They are often equipped with modern amenities such as air conditioning, Wi-Fi, and fully equipped kitchens. Some homes may also have a private dock or beach access. Despite the island's small size, homes can range from cozy one-bedroom apartments to larger, multi-bedroom houses. Many expats choose to live in homes with views of the ocean or the island's lush vegetation. The homes are often located within walking distance of the island's main attractions, including its restaurants, shops, and beaches," said one expat in Caye Caulker.

What is the average cost of housing in Caye Caulker?

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

"The average cost of housing in Caye Caulker can vary greatly depending on the type and location of the property. For a modest home or condo, prices can start in the low six figures in USD. Luxury beachfront homes can cost several hundred thousand dollars or even over a million. Renting a property can range from a few hundred to a few thousand dollars per month, again depending on the type and location of the property. It's important to note that prices can fluctuate and may be subject to change," remarked one expat living in Caye Caulker, Belize.

How do I meet people in Caye Caulker?

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

"Caye Caulker, is a popular destination for expats, and there are numerous clubs and activities they can join to meet people and integrate into the local community. Many expats join local sports clubs, such as diving, snorkeling, and fishing clubs, which are popular due to the island's proximity to the Great Barrier Reef. There are also yoga and fitness groups that meet regularly. In addition to sports clubs, there are also social clubs and groups that organize regular events and activities. These can range from book clubs and cooking classes to volunteer groups that work on community projects. These groups not only provide a way for expats to meet people, but also to contribute to the local community and learn more about the local culture. Expats in Caye Caulker also meet people through local events and festivals. The island hosts a number of events throughout the year, including the Lobster Fest, which is a popular event that attracts both locals and expats. There are also regular music and cultural festivals that provide opportunities for expats to mingle with locals. Another way that expats meet people in Caye Caulker is through local businesses. Many expats frequent local restaurants, bars, and cafes, which are great places to meet people. Some businesses also host regular events, such as trivia nights or live music, which can be a fun way to meet people. Finally, many expats meet people simply by being active in the community. This can involve anything from shopping at the local market to taking part in community clean-up days. By getting involved in the local community, expats can meet people and make friends while also learning about the local culture and way of life," explained one expat living in Caye Caulker, Belize.

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What should I bring when moving to Caye Caulker?

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

"When moving to Caye Caulker, you should pack lightweight and breathable clothing due to the tropical climate. Include items such as shorts, t-shirts, tank tops, and sundresses. Don't forget to pack a few swimsuits, as you'll likely spend a lot of time in the water. A light rain jacket or umbrella would be useful for the rainy season. Pack plenty of sun protection, including a wide-brimmed hat, sunglasses, and high-SPF sunscreen. You should also bring insect repellent to protect against mosquitoes. Comfortable walking shoes or sandals are a must, as the island is mostly car-free and you'll be doing a lot of walking or biking. If you plan on participating in water activities, consider packing water shoes and snorkeling gear. Bring all necessary toiletries and medications, as they may be more expensive or difficult to find on the island. This includes any prescription medications, contact lens solution, and personal hygiene items. Pack a reusable water bottle to stay hydrated and reduce plastic waste. If you're planning on cooking, you might want to bring some of your favorite spices or non-perishable food items, as the selection on the island can be limited. Don't forget your passport, driver's license, and any other necessary identification. You should also bring copies of important documents, such as your birth certificate, medical records, and insurance policies. Lastly, pack a good book, a camera, and any other items that will help you relax and enjoy your new island home," said one expat who made the move to Caye Caulker.

Where should I setup a bank account in Caye Caulker?

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

"Caye Caulker is a popular destination for expats due to its relaxed lifestyle, beautiful beaches, and affordable cost of living. Before retiring there, it's important to know that the official language is English, making it easier for expats from English-speaking countries to communicate and integrate. The cost of living is relatively low compared to many Western countries, but it's still essential to have a clear understanding of your budget and financial situation. Healthcare in Belize is generally good, but serious medical conditions may require evacuation to a country with more advanced medical facilities. The island has a tropical climate with a wet and dry season, so it's important to be prepared for this type of weather. It's also worth noting that while the island is generally safe, like any other place, it has some crime, and it's important to take standard safety precautions. The pace of life in Caye Caulker is slow and relaxed, which can be a big adjustment if you're used to a fast-paced lifestyle. The island is small, and most people get around by walking or biking, so a car isn't necessary. The process of buying property as a foreigner in Belize is relatively straightforward, but it's recommended to hire a local attorney to help navigate the process. Lastly, while Belize does have an attractive retiree program, it's important to understand the requirements and benefits before deciding to retire there," said one expat in Caye Caulker.

Will I be able to find a job in Caye Caulker?

When we asked people about industries and career opportunities in Caye Caulker, they reponded:

"Foreigners in Caye Caulker often find employment in the tourism industry, working in roles such as tour guides, dive instructors, or hotel and restaurant staff. Some also work in real estate, helping other expats to find and purchase property. Others may find work as English teachers or in various roles within international non-profit organizations. There are also opportunities for foreigners to start their own businesses, particularly in sectors that cater to tourists such as food and beverage or retail. However, it's important to note that work permits are required for foreigners to work in Belize," remarked one expat who made the move to Caye Caulker.

What is life like in Caye Caulker?

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

"Life for expats and digital nomads in Caye Caulker is often described as relaxed and laid-back, with a slow pace of life that locals refer to as "go slow". The island is small and easy to navigate, with most people getting around on foot, bicycles, or golf carts. The local community is friendly and welcoming, making it easy for newcomers to fit in and feel at home. The cost of living is relatively low compared to many other Caribbean destinations, making it an attractive option for those looking to live abroad on a budget. There are plenty of affordable accommodations, from beachfront bungalows to shared apartments. The food scene in Caye Caulker is diverse and delicious, with a mix of local Belizean cuisine and international dishes. Seafood is a staple, with lobster and conch being local favorites. There are also plenty of vegetarian and vegan options available. For digital nomads, the internet connection can be a bit spotty at times, but there are several cafes and coworking spaces that offer reliable Wi-Fi. The island is also in the Central Standard Time zone, which can be convenient for those working with clients or colleagues in North America. In terms of leisure activities, there's no shortage of things to do. The island is surrounded by beautiful coral reefs, making it a paradise for snorkeling and diving enthusiasts. There are also opportunities for fishing, sailing, and kayaking. For those who prefer land-based activities, there are yoga classes, beach volleyball games, and plenty of beautiful spots for relaxing and sunbathing. Despite its small size, Caye Caulker has a vibrant nightlife scene, with a variety of bars and clubs offering live music, dancing, and delicious cocktails. The island also hosts several festivals and events throughout the year, providing plenty of opportunities for socializing and entertainment. Overall, life for expats and digital nomads in Caye Caulker is a unique blend of work and play, offering a laid-back lifestyle in a beautiful tropical setting," wrote a member in Caye Caulker.

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What do expats in Caye Caulker appreciate most about the local culture?

"Expats in Caye Caulker appreciate the laid-back and relaxed lifestyle that the local culture embodies, often referred to as "go slow" mentality. They also value the friendliness and welcoming nature of the local people, who are always ready to help and share their culture. The vibrant and colorful local festivals, filled with music, dance, and food, are another aspect of the culture that expats enjoy. They also appreciate the strong sense of community and the close-knit relationships among the locals. The rich Mayan history and the respect for nature and wildlife are also aspects of the local culture that expats in Caye Caulker admire. Lastly, the fresh seafood and the unique Belizean cuisine are also highly appreciated by the expats," commented one expat who made the move to Caye Caulker.

What do expats find most challenging?

"Expats in Caye Caulker often find the slower pace of life, known as "island time", challenging to adjust to, as it can affect business operations and daily activities. The language barrier can also be a challenge, as while English is the official language, many locals speak Creole or Spanish. Some expats may find the lack of certain amenities and services, such as high-speed internet or advanced healthcare facilities, difficult to cope with. The high cost of imported goods can also be a challenge for expats used to cheaper prices in their home countries. Additionally, the tropical climate, while attractive to many, can be hard to adapt to, particularly the high humidity and hurricane season. Lastly, understanding and navigating the local bureaucracy can be a challenge, especially when it comes to property ownership and residency laws," said one expat who made the move to Caye Caulker.

Is there a lot of crime in Caye Caulker?

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

"Caye Caulker, is generally considered a safe destination for tourists. The island has a relaxed, laid-back atmosphere and crime rates are relatively low compared to other parts of Belize. However, like any other tourist destination, petty crimes such as pickpocketing or bag snatching can occur, so visitors are advised to take basic precautions to protect their belongings. Violent crime is rare, but not unheard of, and usually involves disputes between locals rather than targeting tourists. The local police force is present and responsive to any reported incidents. Overall, while crime does exist in Caye Caulker, it is not a significant concern for most visitors," wrote one member in Caye Caulker.

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

"Caye Caulker, is a melting pot of different cultures, ethnicities, and backgrounds, contributing to a rich diversity on the island. The local population is a blend of Creole, Maya, Mestizo, Garifuna, East Indian, and Mennonite, among others. This diversity is also reflected in the tourists who visit from all over the world. The people of Caye Caulker are known for their warm hospitality and acceptance of differences. They are generally open-minded and welcoming to everyone, regardless of their background or lifestyle. The island's motto, "Go Slow," reflects the laid-back and accepting attitude of the community," remarked one expat living in Caye Caulker, Belize.

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What are the schools in Caye Caulker like?

"Caye Caulker is a small island with a population of around 2,000 people. As such, it does not have a wide range of international or bilingual schools. The primary educational institution on the island is the Caye Caulker Roman Catholic School, which provides basic education for children from the island. It is not an international or bilingual school, but English is the primary language of instruction, as it is in all schools in Belize. For more advanced or specialized education, families on Caye Caulker often send their children to schools on the mainland. There are several international and bilingual schools in Belize City, such as the Belize Elementary School, which offers a bilingual education in English and Spanish, and the Hummingbird Elementary School, which follows an international curriculum," explained one expat living in Caye Caulker, Belize.

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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