Retire in Caye Caulker, Belize
Last updated on May 10, 2025
Summary: Retirees share their experiences living in Caye Caulker, Belize. What are the challenges and rewards of retiring in Caye Caulker?
What is it like to retire in Caye Caulker?
"Life for a retiree in Caye Caulker can be quite relaxed and enjoyable. The island is known for its laid-back atmosphere, with the motto "Go Slow" reflecting the leisurely pace of life. The island is small and easy to navigate, with sandy streets that are more often traversed by bicycles and golf carts than cars. There is a vibrant expat community in Caye Caulker, with many retirees from the US, Canada, and Europe choosing to spend their golden years here. This community often organizes social events and activities, providing a great opportunity to meet new people and make friends. Caye Caulker is rich in cultural attractions. The island's history is deeply rooted in the fishing industry, and this heritage is celebrated in local festivals and events. The local cuisine is a delicious blend of Caribbean and Central American flavors, with fresh seafood being a staple. Recreational activities are abundant in Caye Caulker. The island is surrounded by the stunning Belize Barrier Reef, making it a paradise for snorkeling and scuba diving. Other popular activities include fishing, sailing, and bird watching. The island is also home to a manatee reserve and a forest reserve, providing ample opportunities for wildlife viewing. While Caye Caulker is not known for a bustling nightlife, there are a number of bars and restaurants where one can enjoy a drink while watching the sunset. Live music is common, and the island's relaxed vibe carries into the evening. For those seeking a more lively nightlife scene, the nearby island of Ambergris Caye is known for its parties and clubs. Overall, life for a retiree in Caye Caulker, Belize offers a balance of relaxation, recreation, and social activities, all set against the backdrop of a tropical paradise," explained a retiree in Caye Caulker.

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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.
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What advice do overseas retirees have for others considering retiring abroad?
"Retirees in Caye Caulker often advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from what they're used to. They also suggest visiting the location multiple times before making a decision, to get a feel for the culture, climate, and lifestyle. Learning the local language is also recommended, as it can greatly enhance the experience and make daily life easier. It's also important to understand the healthcare system in the country you're considering, as it may be different from what you're used to. Retirees in Caye Caulker also emphasize the importance of being open to new experiences and cultures, and being patient with the pace of life, which can be slower than in the U.S. or other western countries. They also suggest making connections with both locals and other expats, as this can provide a support system and help you feel more at home. Lastly, they advise future retirees to consider their access to amenities and services, such as grocery stores, restaurants, and entertainment, as these can greatly impact your quality of life," remarked one retiree in Caye Caulker.
What are the most challenging aspects of retiring in Caye Caulker?
"One of the most challenging aspects of retiring in Caye Caulker is the high cost of living, especially for imported goods, due to the island's remote location. Another challenge is the limited access to high-quality healthcare facilities, which may be a concern for retirees with chronic health conditions. The tropical climate, while appealing to some, can be difficult for others to adjust to, with high humidity and potential for severe weather during hurricane season. Language barriers can also pose a challenge, as while English is the official language, many locals speak Creole or Spanish. Retirees may also find it difficult to adjust to the slower pace of life and less structured environment, which is a stark contrast to the hustle and bustle of city living. Lastly, the lack of certain amenities and services that one might be accustomed to in their home country, such as reliable internet or certain types of cuisine, can make the transition challenging," said one retiree in living in Caye Caulker, Belize.

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What are the most rewarding aspects of retiring in Caye Caulker?
"Retiring in Caye Caulker offers a relaxed and laid-back lifestyle, with the island's motto being "Go Slow". The island is surrounded by the stunning beauty of the Caribbean Sea, providing breathtaking views and a variety of water activities such as snorkeling, diving, and fishing. The cost of living is relatively low compared to many Western countries, making it an affordable retirement option. The local community is friendly and welcoming, making it easy for retirees to integrate and make new friends. The climate is tropical, with warm temperatures year-round, perfect for those who enjoy outdoor activities and sunshine. Belize's official language is English, making it easy for English-speaking retirees to communicate and navigate daily life. The local cuisine is a delicious blend of Caribbean, Mexican, and Mayan influences, offering a variety of fresh seafood and local produce. The healthcare system in Belize is also improving, with a number of private clinics and hospitals offering high-quality care. Lastly, Belize is just a short flight away from the United States, making it easy for retirees to visit family and friends back home," said one retiree in living in Caye Caulker, Belize.
What are healthcare services like in Caye Caulker?
We asked retirees if they have access to good medical care in Caye Caulker. They wrote:
"Healthcare services in Caye Caulker are quite basic, with a small government-run clinic providing primary care services. The clinic is staffed by nurses and a visiting doctor who comes once a week. For more serious medical conditions, patients often have to travel to larger cities like Belize City or even out of the country. The clinic is equipped to handle minor injuries and illnesses, but does not have advanced medical equipment. Pharmacies on the island carry a limited supply of medication. Emergency services are limited and serious cases may require evacuation by air or sea to a larger hospital. Despite these limitations, the healthcare staff in Caye Caulker are known for their dedication and care," said a person in Caye Caulker.
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 retiree living in 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," remarked one retiree in Caye Caulker.

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 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.
What do I need to know before retiring 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 a retiree who moved to Caye Caulker, Belize.
About the Author
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.