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Hamilton, Bermuda: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Hamilton | Expat Exchange
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Hamilton, Bermuda

By Joshua Wood, LPC

Last updated on Aug 05, 2024

Summary: People describe Hamilton, Bermuda as a vibrant, picturesque city with a rich history and culture. Expats love the laid-back atmosphere, the friendly locals, and the stunning beaches. The weather in Hamilton is typically mild, with temperatures ranging from the mid-50s to the mid-80s Fahrenheit. The average cost of living for an expat is estimated to be around $3,000 to $4,000 USD per month. The cost of a one bedroom apartment is around $1,500 to $2,000 USD per month, while a two bedroom apartment is around $2,000 to $2,500 USD per month. The approximate population of Hamilton is 1,200 people.

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What do I need to know about living in Hamilton?

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

"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," explained one expat living in Hamilton, Bermuda.

"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," said one expat in Hamilton.

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What do I need to know before moving to Hamilton?

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

"Before moving to Hamilton, expats should be aware that the cost of living is high due to the island's small size and limited resources. Expats should also be aware that the climate is subtropical, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit year-round. Additionally, expats should be aware that English is the official language, although many locals also speak Bermudian Creole. Finally, expats should be aware that the island is very safe and has a low crime rate," explained one expat living in Hamilton, Bermuda.

How do I find a place to live in Hamilton?

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

"One of the best ways to find a place to live in Hamilton is to search online for rental listings. There are a variety of websites that offer listings for apartments, houses, and other types of rental properties in the area. Additionally, you can contact local real estate agents who specialize in the Hamilton area to help you find a place to live. You can also look for rental postings in local newspapers and on bulletin boards in the area. Finally, you can ask friends and family who live in the area for recommendations," remarked one expat who made the move to Hamilton.

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

"Expat homes and apartments in Hamilton are typically modern and spacious, with large windows that let in plenty of natural light. Many of the homes and apartments have balconies or terraces with stunning views of the harbor and the surrounding islands. The interiors are often decorated with bright colors and modern furnishings, and many of the homes and apartments come with amenities such as swimming pools, gyms, and private gardens. Expats in Hamilton can also enjoy the convenience of living close to the city center, with easy access to shops, restaurants, and other attractions," remarked one expat living in Hamilton, Bermuda.

What is the average cost of housing in Hamilton?

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

"The cost of housing in Hamilton is generally quite high. Renting an apartment or house in the city can range from moderately expensive to very expensive, depending on the size and location. Prices for a one-bedroom apartment in the city center can range from $2,000 to $3,500 per month, while a three-bedroom house in the suburbs can cost anywhere from $3,500 to $5,000 per month," explained one expat living in Hamilton, Bermuda.

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:

"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," explained one expat living in Hamilton, Bermuda.

"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," said one expat in Hamilton.

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William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

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What should I bring when moving to Hamilton?

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

"When moving to Hamilton, it is important to pack items that will help you adjust to the climate and lifestyle. Pack light, breathable clothing such as shorts, t-shirts, and sundresses, as well as a light jacket for cooler evenings. Bring comfortable shoes for walking around the city, as well as a pair of sandals for the beach. Don't forget to bring a hat and sunglasses to protect yourself from the sun. Bring a swimsuit and beach towel for days spent at the beach. Additionally, it is important to bring any necessary medications, as well as any items that will help you feel at home," said one expat in Hamilton.

Where should I setup a bank account in Hamilton?

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

"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 one expat who made the move to Hamilton.

Will I be able to find a job in Hamilton?

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

"Banking and insurance and tourism in that order. Lots of unskilled hotel work but very badly paid. Lots of opportunities for hairdressers and beauticians, but also badly paid. Foreigners can't come here and look for work. You need a visa and a job before you come. And there is a limit, quite strictly enforced, as to how long foreigners are allowed to stay - although it does depend on how valuable you are to your company," wrote one member in Hamilton.

"Foreigners often have jobs in the tourism industry in Hamilton, such as working as hotel staff, tour guides, or restaurant servers. Other popular jobs for foreigners include working in the financial services sector, as well as in the retail and hospitality industries. Additionally, many foreigners find work in the construction and engineering fields, as well as in the medical and healthcare fields," remarked one expat who made the move to Hamilton.

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," wrote one member in Hamilton.

"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," remarked one expat who made the move to Hamilton.

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

"Expatriates in Hamilton appreciate the friendly and welcoming atmosphere of the local culture. They also enjoy the laid-back lifestyle and the relaxed pace of life. The stunning natural beauty of the island is another draw for expats, with its white sand beaches, crystal clear waters, and lush tropical vegetation. The vibrant nightlife and diverse dining options are also popular among expats, as well as the many outdoor activities available, such as sailing, snorkeling, and diving. Finally, expats appreciate the strong sense of community in Hamilton, with its many festivals, events, and activities that bring people together," wrote one member in Hamilton.

What do expats find most challenging?

"Expats in Hamilton often find the local culture to be quite different from what they are used to. The pace of life is slower and more relaxed than in many other places, and the island's small size can make it difficult to find the same amenities and services that are available in larger cities. Additionally, the island's strong sense of community and culture can be challenging for expats to adjust to, as it can be difficult to find a place to fit in. Finally, the cost of living in Bermuda is significantly higher than in many other countries, making it difficult for expats to find affordable housing and other necessities," wrote a member in Hamilton.

Is there a lot of crime in Hamilton?

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

"Hamilton is generally considered to be a safe city. However, like any other city, there is some crime. Petty theft, such as pickpocketing, is the most common type of crime in the city. There have also been reports of burglaries and muggings in certain areas. The police are generally effective in responding to and preventing crime," explained one expat living in Hamilton, Bermuda.

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

"Hamilton is a diverse city with a population that is made up of people from many different backgrounds. The city is known for its acceptance of different cultures, religions, and lifestyles, and people from all walks of life are welcomed and respected. Hamilton is a vibrant and welcoming city that celebrates its diversity and encourages people to embrace their differences," commented one expat who made the move to Hamilton.

"The blacks and the whites tend not to mix much socially, except perhaps in the churches. There is a quite noticeable level of resentment on the part of the blacks towards the whites, and the politics is uncomfortable at times, although not physically threatening at all," remarked one expat living in Hamilton, Bermuda.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What are the schools in Hamilton like?

"The Bermuda High School for Girls is one of the best international schools in Hamilton. It is an independent, all-girls school that offers a comprehensive education from pre-school to grade 12. The school has a strong academic program, with a focus on the development of the whole person. The school also offers a wide range of extracurricular activities, including sports, music, drama, and art. The Bermuda Institute is a bilingual school in Hamilton, Bermuda. It is a private, co-educational school that offers a comprehensive education from pre-school to grade 12. The school has a strong academic program, with a focus on the development of the whole person. The school also offers a wide range of extracurricular activities, including sports, music, drama, and art. The school also offers a bilingual program, with classes taught in both English and Spanish. The Saltus Grammar School is another excellent international school in Hamilton, Bermuda. It is an independent, co-educational school that offers a comprehensive education from pre-school to grade 12. The school has a strong academic program, with a focus on the development of the whole person. The school also offers a wide range of extracurricular activities, including sports, music, drama, and art," commented one expat when asked about in Hamilton.

What are the pros and cons of living in Hamilton?

Expats, digital nomads and retirees living in Hamilton responded:

"Bermuda is friendly and easy to live in. It is very expensive, but also surrounded by beautiful water and scenery. It takes some adjustment to live on an island that is only 22 miles long and about 2 miles wide, with only 62,000 people. The culture is an amalgam of Bermuda, the United Kingdom and the U.S. The island is still affiliated with the UK and has certain traditions that come from that history. There are many organizations on the island to help you meet people, learn the history and culture and take advantage of the many activities available. The International Women's Club of Bermuda has members from all over the world, including Bermudians. There's also a NOMAD visa for those who can continue to work remotely for their employer/business in their home country, but want to live in Bermuda for one year," remarked one expat living in Hamilton.

"Expats and digital nomads living in Hamilton, often like the beautiful beaches, crystal-clear waters, and stunning landscapes that the island offers. They appreciate the warm and sunny climate, which allows for various outdoor activities such as swimming, snorkeling, and sailing. The friendly and welcoming locals make it easy for expats to feel at home and integrate into the community. Hamilton is a small city with a relaxed atmosphere, making it easy to navigate and explore. The city also offers a range of international cuisine, catering to diverse tastes. On the other hand, expats and digital nomads may dislike the high cost of living in Hamilton, as Bermuda is known to be one of the most expensive places in the world. This includes high prices for housing, groceries, and dining out. The island's remote location can also make it challenging to travel to and from other countries, with limited flight options and relatively expensive airfares. Additionally, the job market in Bermuda can be competitive, with limited opportunities for expats in certain industries. Finally, some expats may find the slow pace of life and small size of the island to be too limiting, leading to a feeling of isolation or boredom over time," said one expat living in Hamilton.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What type of social life can someone expect in Hamilton?

When we asked expats and global nomads about their social experiences in Hamilton, they replied:

"Bermuda is a relatively quiet place to live, not a place with multiple nightclubs or dancing venues," remarked one expat living in Hamilton.

"Expats, retirees, and digital nomads living in Hamilton typically have a vibrant and diverse social life. They often engage in various social activities, such as attending local events, joining clubs and organizations, and participating in sports and recreational activities. They also enjoy exploring the island's beautiful beaches, parks, and nature reserves, as well as its rich cultural heritage and historical sites. Many expats and digital nomads network with fellow internationals through social media groups and meetups, while retirees often connect with others in their age group through community centers and senior programs. Dining out at local restaurants, attending art exhibitions, and participating in cultural festivals are also popular ways for expats, retirees, and digital nomads to socialize and immerse themselves in the local culture," said one expat living in Hamilton.

"The social scene in Hamilton, is vibrant and diverse, offering a mix of local culture and international influences. The city is known for its lively atmosphere, with numerous bars, restaurants, and clubs catering to various tastes and preferences. Locals and visitors alike can enjoy live music, dancing, and entertainment at various venues throughout the city. Hamilton also hosts several cultural events and festivals throughout the year, such as the Bermuda International Film Festival, the Bermuda Fashion Festival, and the City Food Festival, which showcase local talent and attract international guests. The city's art scene is thriving, with galleries and exhibitions featuring local and international artists. Outdoor activities are also an essential part of the social scene in Hamilton, with its beautiful beaches, parks, and nature reserves providing opportunities for relaxation, sports, and socializing. Water sports, such as sailing, snorkeling, and diving, are popular among both locals and tourists. The city's friendly and welcoming atmosphere makes it easy for newcomers to make friends and become part of the community. Overall, the social scene in Hamilton, Bermuda, offers a rich and varied experience for residents and visitors alike," said one expat living in Hamilton.

"Expats come and go, it's important to have friends in different groups so that you always have a circle of contacts," mentioned one expat inHamilton.

What advice to expats in Hamilton have about housing?

"Expats are not allowed to own property in Bermuda unless its of a certain value which is really expensive. Renting is the only option. Apartments are very expensive and if you get a reasonable price, most likely the apartment is small," mentioned one expat inHamilton.

"Expats in Hamilton recommend researching the area thoroughly before committing to a rental property. It is important to consider the location, size, and amenities of the property, as well as the cost of living in the area. Additionally, it is important to be aware of the local laws and regulations regarding rental properties. It is also recommended to speak to other expats in the area to get an idea of the rental market and to find out about any potential issues that may arise. Finally, it is important to be aware of the local customs and culture to ensure a smooth transition into the new environment," commented one expat who moved to Hamilton, Bermuda.

What are medical services in Hamilton like?

When we asked expats and global nomads about the quality of medical care in Hamilton, they replied:

"Healthcare is expensive. Some companies bear the insurance cost, but majority you have to pay your portion of insurance. There is co-pay in almost all private doctor visits and services are expensive," wrote one expat living in Hamilton.

"Medical services in Hamilton, are generally of high quality, with well-trained medical professionals and modern facilities. The city has a main hospital, King Edward VII Memorial Hospital, which offers a range of services, including emergency care, surgery, and diagnostic imaging. There are also several private clinics and medical centers in Hamilton, providing specialized care in areas such as dentistry, physiotherapy, and mental health. While the healthcare system in Bermuda is considered to be reliable and efficient, it can be expensive, particularly for non-residents. Visitors are advised to have comprehensive travel insurance to cover any medical expenses they may incur while in Hamilton," commented one expat who moved to Hamilton.

Are healthcare and health insurance expensive in Hamilton?

"Healthcare and health insurance in Hamilton, can be quite expensive compared to other countries. The high cost of living on the island contributes to the elevated prices for medical services and treatments. Additionally, Bermuda has a predominantly private healthcare system, which can lead to higher costs for individuals and families. Health insurance is often necessary to cover these expenses, but premiums can be pricey as well. Employers may provide insurance coverage for their employees, but those without employer-sponsored plans may face significant out-of-pocket costs for healthcare and insurance," commented one expat who moved to Hamilton.

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

Is the cost of living in Hamilton high?

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

"The cost of living in Hamilton is generally considered to be high. Rent for a nice 1 bedroom apartment in Hamilton, Bermuda is typically around $2,500 USD per month, while a nice 2 bedroom apartment is usually around $3,500 USD per month. Eating dinner at a moderately priced restaurant in Hamilton, Bermuda can cost around $50 USD per person," mentioned one expat inHamilton.

What are the visa & residency requirements in Hamilton?

"In order to visit Hamilton, visitors must obtain a valid visa prior to their arrival. The process of applying for a visa involves submitting an application form, providing proof of identity, and paying the applicable visa fee. In order to become a resident of Hamilton, Bermuda, applicants must submit an application for residency to the Bermuda Immigration Department. The application must include proof of identity, proof of financial means, and a valid passport. Applicants must also provide a valid work permit, if applicable. Once the application is approved, the applicant will be issued a residency card," commented one expat who moved to Hamilton.

Why do people move to Hamilton?

When we asked people why foreigners move to Hamilton, they responded:

"Hamilton is an attractive destination for expats due to its stunning natural beauty, vibrant culture, and excellent quality of life. The island is known for its stunning beaches, crystal clear waters, and lush tropical vegetation. Expats are also drawn to Hamilton for its low cost of living, low taxes, and excellent job opportunities. The city is also home to a diverse range of international restaurants, shops, and entertainment venues, making it a great place to live and work. Additionally, Hamilton is a safe and secure place to live, with a low crime rate and a strong sense of community. All of these factors make Hamilton an ideal destination for expats looking for a new home," wrote one expat living in Hamilton.

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.

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