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Retire in The Cayes, Belize | Expat Exchange
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Caye Caulker, Belize

Retire in The Cayes, Belize

By Betsy Burlingame

Last updated on Apr 26, 2025

Summary: Retirees are attracted to The Cayes, Belize for its stunning Caribbean coastline, lush tropical rainforest, and vibrant culture. The weather in The Cayes is typically warm and humid, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit. There are several retirement communities in The Cayes, offering a variety of amenities such as swimming pools, fitness centers, and social activities. The cost of a nice two-bedroom home in The Cayes is typically around $150,000 USD, while a nice three-bedroom home can cost around $200,000 USD.

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What is it like to retire in The Cayes?

"Retiring in The Cayes is a dream come true for many people who want to retire to a peaceful seaside community. The warm, sunny climate and friendly, laid-back atmosphere make it an attractive destination for seniors looking for a serene lifestyle. The Cayes offer affordable housing, and plenty of activities for those with an active lifestyle. With beautiful beaches and coral reefs, the area is perfect for nature lovers, and the numerous restaurants, shops, and museums provide plenty of opportunities for exploration and entertainment. In addition, the region is known for its vibrant nightlife and its low crime rate, making The Cayes a safe and welcoming place for retirees," said a person in The Cayes.

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What advice do overseas retirees have for others considering retiring abroad?

"Do your research. Find out all you can about the culture and climate of your chosen country. Visit the area before making a decision and speak to people who have already retired abroad. Learn the language, if possible, and familiarize yourself with local customs and laws. Be prepared to adapt to new ways of living and to not expect the same lifestyle you were used to back home. Research possible housing options such as apartments, villas, and other types of housing. Look into your visa options and budget for any costs associated with entry and length of stay. Take out suitable insurance based on the country you are moving to. Make a plan to manage your finances and also consider any medical costs you might face. Finally, be open and flexible; you may find that retirement abroad is more than you had ever imagined," said a person in The Cayes.

What are the most challenging aspects of retiring in The Cayes?

"One of the most challenging aspects of retiring in The Cayes is the lack of access to modern medical care. Although there are some medical facilities in the area, they are limited and may not be able to provide the same level of care as a larger city. Additionally, the cost of living in The Cayes is higher than in other parts of Belize, making it difficult to maintain a comfortable lifestyle on a fixed income. Furthermore, the language barrier can be a challenge for those who do not speak Spanish or Kriol, the two main languages spoken in the area. Finally, the infrastructure in The Cayes is not as developed as in other parts of Belize, making it difficult to access certain services and amenities," said one retiree in living in The Cayes, Belize.

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What are the most rewarding aspects of retiring in The Cayes?

"Retiring in The Cayes offers a number of rewarding aspects. One of the most rewarding is the opportunity to experience a relaxed, laid-back lifestyle. With its warm climate and stunning natural beauty, The Cayes provide a perfect setting for those looking to enjoy a peaceful retirement. Additionally, the cost of living in Belize is relatively low, making it an attractive option for retirees on a budget. Finally, the friendly locals and vibrant culture make it easy to feel at home in The Cayes," said a person in The Cayes.

What are healthcare services like in The Cayes?

We asked retirees if they have access to good medical care in The Cayes. They wrote:

"The Cayes in Belize offer a range of healthcare services, including primary care, emergency care, and specialist care. Primary care services are provided by general practitioners, while emergency care is provided by a local hospital. Specialty care is available through visiting specialists, who come to the Cayes on a regular basis. The Cayes also have a number of pharmacies, providing access to medications and other health-related products. Additionally, there are a number of health centers and clinics in the area, offering a range of services such as vaccinations, health screenings, and family planning," said a person in The Cayes.

How do I meet people in The Cayes?

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

"Expats living in The Cayes often join local clubs and activities such as sailing, fishing, and diving. Expats can also join local book clubs, art classes, and language classes. Additionally, expats can meet people by attending local events such as festivals, concerts, and farmers markets. Expats can also meet people by attending local churches, joining volunteer groups, or attending social gatherings hosted by other expats," said one retiree in The Cayes.

What is life like in The Cayes?

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

"Life for expats and digital nomads in The Cayes is full of adventure and relaxation. The Cayes are known for their stunning beaches, crystal clear waters, and laid-back atmosphere, making it an ideal destination for those looking to escape the hustle and bustle of everyday life. Expats and digital nomads can enjoy a variety of activities, from snorkeling and diving to exploring the nearby Mayan ruins. The cost of living is relatively low, making it a great place to live and work remotely. The locals are friendly and welcoming, and the culture is diverse and vibrant. With its stunning natural beauty and laid-back lifestyle, The Cayes is an ideal destination for expats and digital nomads looking for a unique and rewarding experience," explained one retiree living in The Cayes.

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What do I need to know before retiring in The Cayes?

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

"Before retiring in The Cayes, expats should be aware of the cost of living, which is generally lower than in the United States. Expats should also research the availability of healthcare services and the quality of medical care in the area. Additionally, expats should familiarize themselves with the local culture and customs, as well as the language, to ensure a smooth transition. It is also important to research the local laws and regulations, as well as the tax implications of living in Belize. Finally, expats should consider the availability of amenities such as shopping, entertainment, and transportation," said one retiree in The Cayes.

What type of recreational activities are there in The Cayes?

"Ambergris Caye is the largest island in Belize and offers a variety of recreational facilities for visitors. One of the most popular attractions is the Hol Chan Marine Reserve, where tourists can snorkel or dive to explore the vibrant coral reefs and marine life. The Shark Ray Alley is another popular spot for snorkeling and diving, where visitors can swim with nurse sharks and stingrays. Caye Caulker is a smaller island known for its laid-back atmosphere and offers a range of water-based activities such as snorkeling, diving, and fishing. The island is also home to the Caye Caulker Marine Reserve, which is a protected area for marine life and coral reefs. The Great Blue Hole is a world-famous diving site located near the Lighthouse Reef Atoll. This underwater sinkhole is a must-visit for experienced divers, who can explore its unique geological formations and marine life. The Turneffe Atoll is another popular destination for diving and snorkeling, with its pristine coral reefs and diverse marine life. The atoll is also a great spot for fishing, with opportunities to catch bonefish, tarpon, and permit. In addition to water-based activities, visitors to the Cayes can also enjoy birdwatching, as the islands are home to a variety of bird species, including the red-footed booby and the frigatebird. The Swallow Caye Wildlife Sanctuary is a protected area for the endangered West Indian manatee, where visitors can take guided tours to observe these gentle creatures in their natural habitat. For those looking for a more relaxed experience, the Cayes offer beautiful sandy beaches where visitors can sunbathe, swim, or simply enjoy the stunning views of the Caribbean Sea," explained one member in The Cayes.

Where will I buy groceries and do other shopping in The Cayes?

"Expats in The Cayes, can buy groceries and do other shopping at various locations. One popular spot is the Greenhouse, a grocery store in San Pedro that offers a wide range of imported and local products, including fresh produce, meats, and dairy items. Their website can be found at https://www.greenhousebelize.com/. Another option is the Island Supermarket, also located in San Pedro, which provides a variety of groceries, household items, and even a small bakery. Their Facebook page is https://www.facebook.com/IslandSupermarket/. For fresh fruits and vegetables, expats can visit the San Pedro Farmers Market, where local vendors sell their produce. The market is held every Saturday morning and can be found at the corner of Seagrape Drive and Coconut Drive. In addition to these grocery stores, expats can also shop at various local shops and boutiques in The Cayes. For example, Belizean Arts is a popular store in San Pedro that sells local artwork, jewelry, and souvenirs. Their website is https://www.belizeanarts.com/. For clothing and accessories, expats can visit the boutique 12 Belize, which offers a curated selection of Belizean-made products, including clothing, jewelry, and home goods. Their website is https://www.12belize.com/. Overall, The Cayes offers a variety of shopping options for expats, from grocery stores to local boutiques, making it easy to find everything they need while living in Belize," explained one member in The Cayes.

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.

Caye Caulker, Belize
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