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Moving to St. George's, Bermuda | Digital Nomad Exchange
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Moving to St. George's, Bermuda

By Joshua Wood, LPC

Last updated on Nov 02, 2024

Summary: Moving to St. George's, Bermuda: Expats, retirees and digital nomads talk about everything you need to know before moving to St. George's.

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What do I need to know before moving to St. George's?

When we asked people what advice they would give someone preparing to move to St. George's, they said:

"St. George's is a UNESCO World Heritage site known for its well-preserved colonial architecture and rich history. The cost of living in St. George's is quite high, with housing, groceries, and dining out being more expensive than in many other countries. The official language is English, but you may also hear Portuguese spoken due to a significant Portuguese community. The currency used is the Bermudian dollar, which is pegged to the US dollar, and US dollars are widely accepted. Bermuda has a subtropical climate, with mild winters and hot, humid summers. Hurricanes can occur between June and November, but the island is well-prepared for such events. Public transportation is reliable and includes buses and ferries, but owning a car can be expensive due to high import duties. Instead, many residents opt for scooters or bicycles. Bermuda has a high standard of healthcare, but it can be expensive, so comprehensive health insurance is recommended. The island is known for its friendly and welcoming locals, and there is a strong sense of community. There are plenty of outdoor activities to enjoy, including golf, tennis, sailing, and other water sports. The island's cuisine is a blend of British, Caribbean, and Portuguese influences, with seafood being a staple. Bermuda has strict customs regulations, particularly regarding the importation of plants and animals, so it's important to check these before you move. Lastly, Bermuda has a conservative dress code, particularly in the business environment, and beachwear is not considered appropriate in town or in restaurants," said one expat in St. George's.

How do I find a place to live in St. George's?

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

"Finding a place to live in St. George's involves several steps. First, you need to determine your budget. This will help you narrow down your options and make your search more efficient. Next, you should research the different neighborhoods in St. George's to find one that suits your lifestyle and preferences. Consider factors such as proximity to work or school, availability of public transportation, safety, and the presence of amenities such as shops, restaurants, and parks. Once you have a neighborhood in mind, you can start looking for available properties. There are several online real estate platforms where you can find listings for apartments, houses, and other types of residential properties in St. George's. Some of these platforms include Propertyskipper, Bermuda Property Link, and Coldwell Banker Bermuda Realty. You can also consider hiring a real estate agent to help you with your search. They can provide you with expert advice and access to listings that may not be publicly available. When you find a property that you're interested in, arrange a viewing with the landlord or real estate agent. This will give you a chance to inspect the property and ask any questions you may have. If you decide to proceed with a property, you'll need to submit an application and provide any required documentation, such as proof of income and references. If your application is accepted, you'll then need to sign a lease agreement and pay any required deposits or fees. Finally, before moving in, it's a good idea to do a final walk-through of the property to ensure that everything is in order and that any agreed-upon repairs or improvements have been made. Remember, finding a place to live can take time, so it's important to be patient and not rush the process," explained one expat living in St. George's, 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.

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What is a typical expat home or apartment like in St. George's?

"Expat homes in St. George's, are typically quite luxurious, reflecting the high standard of living on the island. They often feature stunning views of the ocean, with large windows and balconies to take full advantage of the scenery. The architecture is usually traditional Bermudian, with white stepped roofs and pastel-colored walls. Inside, the homes are spacious and well-appointed, with modern kitchens, multiple bedrooms and bathrooms, and often a separate living area. Many homes also have a private pool and a garden, providing a tranquil outdoor space. Despite the traditional exterior, the interior design tends to be contemporary, with high-end furnishings and amenities. Some homes may also have a guest house or a cottage on the property. The location of these homes is also a key feature, with many being close to the beach, local shops, and restaurants," said one expat who made the move to St. George's.

What is the average cost of housing in St. George's?

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

"The average cost of housing in St. George's can vary greatly depending on the type and size of the property. However, it is generally quite high due to the island's desirability and limited space. For a standard family home, prices can range from moderately expensive to very expensive. Luxury properties and waterfront homes can cost significantly more. It's also worth noting that the cost of living in Bermuda is one of the highest in the world, which is reflected in the housing prices," commented one expat who made the move to St. George's.

Should I buy or rent a home in St. George's?

If you have not spent a lot of time in St. George's, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"The decision to buy or rent a home in St. George's depends on several factors. If you plan to stay in Bermuda for a long time, buying a home could be a good investment. The real estate market in Bermuda is stable and properties often appreciate in value over time. Owning a home also gives you the freedom to customize your living space and provides a sense of stability and permanence. On the other hand, renting a home in St. George's, Bermuda can be a more flexible and less financially burdensome option, especially if you're not planning to stay for a long period. Renting allows you to move easily if your circumstances change, and it also means you won't have to worry about property maintenance and other homeowner responsibilities. However, it's important to note that Bermuda has strict laws regarding property ownership for non-Bermudians. Non-Bermudians are only allowed to buy properties in specific price ranges, and these are typically luxury properties. Therefore, if you're not a Bermudian, your ability to buy property in St. George's may be limited. In conclusion, whether you should buy or rent a home in St. George's, Bermuda depends on your personal circumstances, financial situation, and long-term plans. It's recommended to consult with a real estate professional in Bermuda to help guide your decision," said one expat in St. George's.

What cultural faux pas should I try to avoid making in St. George's?

We asked people in St. George's if they could share any humorous cultural blunders they commited. For new expats, keep in mind that these incidents are an inevitable part of expat life. Learning to laugh about them is the key!:

"In St. George's, it's considered impolite not to greet everyone you meet, even strangers, with a friendly "good morning" or "good afternoon". It's also considered rude to interrupt or speak loudly, as Bermudians value politeness and respect in their conversations. While Bermudians are generally laid-back, they take their dress code seriously. Avoid wearing beachwear anywhere other than the beach or pool. Men should not wear shorts that are too short and women should avoid revealing clothing. Bermudians are proud of their island's beauty, so littering is a serious offense. Always dispose of your trash properly. It's also important to respect the local customs and traditions. For example, Bermudians celebrate Bermuda Day at the end of May with a parade and other festivities. It's a faux pas to dismiss or belittle these traditions. Lastly, while Bermudians are friendly and welcoming, they value their privacy. Avoid asking too personal questions unless you have established a close relationship," remarked one expat who made the move to St. George's.

About the Author

Joshua Wood Joshua Wood, LPC is one of the Founders of Digital Nomad Exchange and serves as Co-President of Expat Exchange. Prior to Expat Exchange and Digital Nomad 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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SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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