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

By Betsy Burlingame

Last updated on Apr 03, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in San Pedro, 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 San Pedro?

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

"Before retiring in San Pedro, expats should know that the official language is English, which can make the transition easier. The cost of living can be higher than in other parts of Belize, especially for housing, as San Pedro is a popular tourist destination. Healthcare facilities are limited on the island, with more serious conditions often requiring travel to Belize City or even outside the country. Expats should also be aware that while the weather is typically warm and tropical, hurricanes and tropical storms can occur. The pace of life in San Pedro is slower than in many Western countries, which some retirees may find relaxing, but others may find frustrating. It's also important to know that while Belize does have a program to encourage retirement in the country, there are specific financial requirements to meet. Expats should also be aware that while crime rates are generally low, petty crime can be an issue, and it's important to take standard safety precautions. Finally, potential retirees should visit San Pedro multiple times before making a decision, to ensure that they enjoy the lifestyle and are comfortable with the amenities available," remarked one expat living in San Pedro, Belize.

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What do I need to know before moving to San Pedro?

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

"San Pedro, is a popular destination for expats due to its tropical climate, beautiful beaches, and friendly locals. Before moving to San Pedro, it's important to understand the cost of living, which can be higher than in other parts of Belize due to its popularity as a tourist destination. The official language is English, making it easier for English-speaking expats to communicate. However, many locals also speak Spanish and Creole, so learning a few phrases in these languages can be beneficial. The healthcare system in Belize is not as advanced as in some Western countries, so expats may want to consider getting international health insurance. San Pedro is a small town, so while it offers a relaxed lifestyle, it may not provide all the amenities and entertainment options that a larger city would. The local cuisine is a mix of Caribbean, Mexican, and Mayan influences, with seafood being a staple. The weather is tropical, with a wet and dry season. The wet season, from June to November, can bring hurricanes. Public transportation is limited, so many residents choose to get around by golf cart, bicycle, or on foot. The local currency is the Belize Dollar, but US dollars are widely accepted. San Pedro is on Ambergris Caye, the largest island in Belize, and is surrounded by the second largest barrier reef in the world, making it a popular destination for diving and snorkeling. While crime rates are generally low, petty crime can be an issue, so it's important to take basic safety precautions. Finally, it's important to understand the visa and residency requirements before moving to Belize. The country offers a Qualified Retired Persons program, which allows certain individuals to live in Belize tax-free," said one expat in San Pedro.

"Here's your best advice: No one can tell you what is right for you. The very simple answer is this - 1) come here and rent for 6 months. - you can always buy a ticket back in 2 months if you don't like it (yes, you would lose a little money, but not your life savings). It would be a vacation 2) While here, live as if you are living here full-time (in other words, you're not on an extended vacation, going out every night, etc. - go to the grocery store, the pharmacy, etc so you get a good "realistic feel" 3) Look around at properties to RENT (Don't buy yet). If you decide you want to stay, RENT A ONE YEAR LONG TERM 4) Go back home for AT LEAST 2 months (even if you rent for one year) - clear your head. Don't get a false "Fantasy island / dream life" in your head. Focus on the difference of places and then decide during your year here what you want to do for "life decisions" I always advise: "wade into the pool, don;t jump in the deep end". I've seen hundreds of people lose their life savings by making bad choices (apparently they have never been to another country, never traveled, maybe never seen the Caribbean Sea) and they turn into five year olds, make spontaneous, bad decision and ruin their lives (divorce, bankruptcy, etc.) - "Wade into the pool" The worst case in my advice is you lose a few thousand dollars and you have "a good cocktail party" story. In 6 months you will know whether it's for you , or not and whether you want to proceed," said one expat who made the move to San Pedro.

How do I find a place to live in San Pedro?

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

"Finding a place to live in San Pedro involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a large beachfront villa. Next, you should research the different neighborhoods in San Pedro to find one that suits your lifestyle and preferences. Some popular areas include the downtown area, the southern part of the island, and the northern part of the island. Once you have an idea of what you're looking for, you can start your search. There are several online resources that list properties for rent or sale in San Pedro, such as Belize Real Estate MLS, Century 21 Belize, and Ambergris Caye Belize Properties. These websites allow you to filter by location, property type, price, and other criteria. In addition to online listings, you can also work with a local real estate agent. They can provide valuable insight into the local market and help you find properties that may not be listed online. Once you've found a few potential properties, you should arrange to view them in person. This will give you a better sense of the property's condition, its proximity to amenities, and the neighborhood it's in. Before finalizing a rental or purchase, it's also a good idea to speak with locals and expats who live in the area. They can provide firsthand information about what it's like to live in San Pedro and may be able to offer advice or recommendations. Finally, once you've found a place you like, you'll need to negotiate the terms of the lease or sale and sign the necessary paperwork. If you're not fluent in Spanish, you may want to hire a translator or lawyer to help with this process. Remember, finding a place to live in a foreign country can take time and patience, so don't rush the process. Take the time to find a place that you'll be happy with for the long term," wrote one member in San Pedro.

What is a typical expat home or apartment like in San Pedro?

"A typical expat home or apartment in San Pedro, is often located near the beach, offering stunning views of the Caribbean Sea. These homes are usually designed to blend in with the tropical environment, featuring bright colors and open layouts to allow for natural light and air circulation. They often have spacious living areas, modern kitchens, and comfortable bedrooms. Many homes also come with outdoor spaces like balconies or patios, perfect for relaxing and enjoying the warm weather. Some luxury apartments may even have access to shared amenities like swimming pools, gyms, and barbecue areas. Despite the tropical setting, these homes are equipped with modern conveniences such as air conditioning, internet access, and cable TV. They are often located within walking distance to local shops, restaurants, and other amenities, making them convenient for daily living," said one expat in San Pedro.

What is the average cost of housing in San Pedro?

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

"The average cost of housing in San Pedro can vary greatly depending on the location and size of the property. For a one-bedroom apartment in the city center, you might expect to pay around $800 to $1,000 USD per month. If you're looking at a three-bedroom apartment in the same area, the cost could rise to between $1,500 and $2,000 USD per month. For those interested in purchasing property, a one-bedroom house might cost around $150,000 USD, while a larger, three-bedroom house could be priced at around $300,000 USD. However, these prices can fluctuate based on the real estate market and other factors," said one expat who made the move to San Pedro.

How do I meet people in San Pedro?

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

"Expats in San Pedro, often join a variety of clubs and activities to meet people and integrate into the local community. These include diving and snorkeling clubs, due to the town's proximity to the Belize Barrier Reef. There are also fishing clubs, as the area is renowned for its excellent fishing opportunities. For those interested in fitness and wellness, there are yoga and pilates classes, as well as gyms and sports clubs. Expats with a love for food and drink might enjoy joining a cooking class or wine tasting group. There are also several volunteer organizations and charities in San Pedro, which provide a great way for expats to give back to the community while meeting like-minded individuals. These include animal rescue groups, environmental conservation organizations, and groups that support local schools and children's programs. In addition to joining clubs and activities, expats often meet people through social events and gatherings. These can range from informal beach barbecues and parties to more formal events like art exhibitions and music concerts. Many expats also meet people through their accommodation, as many expat-friendly apartments and housing complexes have communal areas and organize regular social activities. Another popular way for expats to meet people in San Pedro is by attending local festivals and events. These provide a great opportunity to immerse oneself in the local culture and meet both locals and fellow expats. Finally, online forums and social media groups are also a great resource for expats looking to connect with others in San Pedro. These platforms often have information about upcoming events, as well as advice and tips for living in the area," said one expat in San Pedro.

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What should I bring when moving to San Pedro?

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

"When moving to San Pedro, you should pack lightweight clothing due to the tropical climate, including shorts, t-shirts, and swimwear. Don't forget to pack a rain jacket or umbrella for the rainy season. Comfortable walking shoes, sandals, and water shoes are essential for various activities. Pack enough prescription medication for the duration of your stay, as well as a basic first aid kit. Include insect repellent and sunscreen to protect yourself from the sun and bugs. Bring your personal toiletries, although keep in mind that most items can be purchased locally. If you wear glasses or contact lenses, bring an extra pair and solution. Pack your important documents such as passport, driver's license, and medical records in a safe and accessible place. If you plan on cooking, consider packing some of your favorite spices or condiments that may not be available locally. Don't forget your electronics like your phone, laptop, and camera, along with their chargers. A power adapter may be necessary depending on your devices. Bring some cash for immediate expenses upon arrival, but remember that credit cards are widely accepted. Lastly, pack some items that remind you of home, like photos or small mementos, to help you settle into your new environment," wrote one member in San Pedro.

Where should I setup a bank account in San Pedro?

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

"Before retiring in San Pedro, expats should know that the official language is English, which makes communication easier. The cost of living is relatively low compared to many Western countries, but it's higher than in other parts of Belize. The currency is the Belize dollar, which is pegged to the US dollar at a rate of 2:1. Expats should be aware that the healthcare system in Belize is not as advanced as in some other countries, and serious medical conditions may require evacuation to a country with more advanced medical facilities. Private health insurance is recommended. San Pedro is located on Ambergris Caye, the largest island in Belize, and it's known for its beautiful beaches, clear waters, and barrier reef. The climate is tropical, with a wet and dry season, and hurricanes can occur. The immigration process for retirees involves applying for the Qualified Retired Persons (QRP) program, which offers several benefits, including tax breaks. However, to qualify, you must spend at least one month per year in Belize and show a steady income from outside Belize. The crime rate in San Pedro is relatively low, but petty crime can be a problem, so it's important to take precautions. The pace of life is slower than in many Western countries, which some people find relaxing, but others may find frustrating. Public transportation is limited, so many residents use golf carts or bicycles to get around. There are also water taxis that can take you to other parts of the island or to the mainland. The food in San Pedro is a mix of Belizean, Mexican, and Caribbean cuisines, with a lot of seafood. There are also several grocery stores where you can buy familiar products from the US. Finally, it's important to remember that moving to a new country is a big adjustment, and it can take time to get used to the new culture and way of life. It's a good idea to visit San Pedro several times before deciding to retire there, to make sure it's the right fit for you," wrote a member in San Pedro.

Will I be able to find a job in San Pedro?

When we asked people about industries and career opportunities in San Pedro, they reponded:

"Foreigners in San Pedro often work in the tourism industry, taking roles such as tour guides, hotel managers, or dive instructors. Some also work in the real estate sector, helping other expats to find and purchase property. Others may open their own businesses, such as restaurants or shops, catering to both locals and tourists. There are also opportunities for foreigners to work in healthcare, education, and non-profit organizations. However, it's important to note that work permits are required for foreigners to work in Belize," wrote one member in San Pedro.

What is life like in San Pedro?

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

"Life for expats and digital nomads in San Pedro is often described as relaxed and laid-back, with a slow pace of life that many find appealing. The town is known for its friendly locals, beautiful beaches, and vibrant nightlife, offering a variety of activities for those who choose to live there. The cost of living is relatively low compared to many Western countries, making it an attractive option for those looking to stretch their budget. The local cuisine is a mix of Caribbean and Central American flavors, with plenty of fresh seafood and tropical fruits available. English is widely spoken in Belize, making it easier for expats and digital nomads to communicate and integrate into the local community. However, while the lifestyle may be relaxed, the infrastructure can be a challenge. Internet connectivity can be unreliable, which can be a significant issue for digital nomads who rely on it for their work. Power outages can also be common, particularly during the rainy season. Despite these challenges, many expats and digital nomads find the laid-back lifestyle, friendly community, and beautiful surroundings make San Pedro a great place to live. Whether it's exploring the nearby Great Blue Hole, enjoying a beach barbecue, or simply watching the sunset over the Caribbean, there's plenty to enjoy in this tropical paradise," said one expat who made the move to San Pedro.

What do expats in San Pedro appreciate most about the local culture?

"Expats in San Pedro often appreciate the laid-back and relaxed lifestyle that is a significant part of the local culture. They enjoy the friendly and welcoming nature of the Belizean people, who are known for their hospitality and warmth. The rich cultural diversity, which is a blend of Mayan, Creole, Mestizo, Garifuna, and other influences, is also highly appreciated. Expats love the local cuisine, which is a delicious mix of these various cultures. They also value the strong sense of community and the slower pace of life, which allows for a greater focus on family and personal relationships. The local festivals and celebrations, which are often vibrant and colorful, are another aspect of the culture that expats enjoy. Lastly, the natural beauty of the surroundings, including the barrier reef, beaches, and wildlife, is deeply appreciated and forms an integral part of the local culture," wrote a member in San Pedro.

What do expats find most challenging?

"Expats in San Pedro 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 local cuisine, which is heavily based on rice, beans, and seafood, difficult to adapt to. The lack of certain amenities and services that they may be used to in their home countries, such as high-speed internet or advanced healthcare facilities, can also be challenging. Additionally, the high humidity and heat can be uncomfortable for those not used to tropical climates. Lastly, understanding and navigating the local customs and social norms can be a challenge for some expats," wrote one member in San Pedro.

Is there a lot of crime in San Pedro?

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

"San Pedro, does experience crime, like any other place. The most common types of crime are theft, burglary, and assault. However, violent crime is less common and is usually associated with gang activity or drug trafficking. Tourists are advised to take precautions, such as not displaying expensive items, avoiding isolated areas, and not walking alone at night. Despite these issues, many people still enjoy visiting San Pedro for its beautiful beaches and vibrant culture. The local authorities are working to improve safety and security in the area," said one expat who made the move to San Pedro.

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

"San Pedro is a diverse town with a mix of cultures and ethnicities, including Mestizo, Creole, Garifuna, Maya, and a significant expatriate community from North America and Europe. This diversity is reflected in the town's food, music, and festivals. The people of San Pedro are generally known for their warm hospitality and acceptance of differences. They are accustomed to interacting with people from different backgrounds due to the town's status as a popular tourist destination. However, like any place, individual attitudes can vary," said one expat in San Pedro.

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What are the schools in San Pedro like?

"San Pedro, is home to several schools that offer quality education to both local and international students. One of the most notable is the Ambergris Caye Elementary School (ACES). ACES is a non-profit, non-denominational school that offers a comprehensive curriculum for students from preschool to middle school. The school is known for its small class sizes, dedicated staff, and commitment to providing a nurturing and inclusive learning environment. More information can be found on their website: http://ambergriscayeelementary.com/ Another school in San Pedro is the Island Academy. This school is known for its high academic standards and its focus on developing well-rounded students. The curriculum at the Island Academy includes a mix of traditional subjects, as well as art, music, and physical education. The school also places a strong emphasis on community service. More details can be found on their website: http://www.islandacademy.com/ The New Horizon Seventh Day Adventist School is a Christian-based institution that offers education from preschool to high school. The school is known for its strong academic program, as well as its emphasis on moral and spiritual development. More information can be found on their Facebook page: https://www.facebook.com/New-Horizon-Seventh-day-Adventist-School-111267875577675/ Lastly, the San Pedro High School is a public institution that offers secondary education to students in San Pedro. The school is known for its strong academic program, as well as its wide range of extracurricular activities. More details can be found on their website: http://www.sphs.edu.bz/ While these schools may not specifically be labeled as "international" or "bilingual," they all cater to a diverse student body and offer a curriculum that meets international standards," said one parent with children at in San Pedro.

Is the cost of living in San Pedro high?

We asked people about the cost of living in San Pedro, they wrote:

"San Pedro is the TOWN on Ambergris Caye. Same place. Monthly expenses (not living rich but nice will run you approx. $1,500 - $2,000 per month. You will need a work permit (yes, even to teach online). That will cost you total to go through all paperwork around $2,500 BZD ($1,250 usd), per year. If you want transportation, you can buy a bike for a few hundred bucks. If you want a golf cart, to purchase you’re looking at $3,000 USD - $12,000 USD depending on whether you want a used fixer or brand new. Permitting cost there as well. You can rent a golf cart for $400USD per month. Basic cost (food will vary depending on how much you eat out and if you buy American items at the grocery store or not (anything you get in the US that you can’t live without - just plan to pay DOUBLE what you do in the US. Import duties, shipping to Belize city, then shipping to ambergris and then it’s DOUBLE. So, for a single person, eating out twice a week at areal sit down restaurant (one lunch, one dinner), you can do street food stands a little cheaper, it would be something like this (assuming a US quality housing arrangement: Rent -$650 - $1,000 Cable/internet - $70 Water - $25 Electricity - $ 150 - $250 Food - $200-$400 Entertainment/restaurants - $200 Golf cart rental - $400 Visa stamp - $25 (+ work permit app mentioned above) $1750 - $2,500 depending on lifestyle. $1,500 minimum," remarked one expat living in San Pedro.

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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