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Cotswolds, UK: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Cotswolds | Digital Nomad Exchange
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Cotswolds, England

By Joshua Wood, LPC

Last updated on Jan 01, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Cotswolds, UK: Cost of living, Finding a home, Meeting People and more.

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What do I need to know about living in Cotswolds?

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

"Expats considering retirement in the Cotswolds, should be aware of several key factors. Firstly, the cost of living can be quite high, especially in terms of housing, as the Cotswolds is a highly sought-after area known for its picturesque villages and beautiful countryside. Healthcare in the UK is primarily provided by the National Health Service (NHS), which is free at the point of use for residents. However, expats may need to check their eligibility or consider private health insurance. The UK has a comprehensive tax system, and expats should familiarize themselves with the tax implications of retiring in the UK, including potential taxes on worldwide income and assets. The Cotswolds is a rural area, so access to amenities and services may not be as convenient as in a city. Public transportation is available but not as frequent or extensive as in urban areas. The weather in the Cotswolds, like much of the UK, is temperate, with mild summers and cool winters. Rainfall is spread throughout the year, and snow is relatively rare. The UK has a reciprocal social security agreement with many countries, which can affect pension rights and benefits. Expats should check the details of any such agreement between the UK and their home country. Finally, the Cotswolds is a popular tourist destination, so certain areas can become crowded, particularly during the summer months. However, it also offers a wealth of cultural and recreational opportunities, from historic sites to walking trails, making it an attractive place to retire," wrote one member in Cotswolds.

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What do I need to know before moving to Cotswolds?

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

"Expats moving to Cotswolds should be aware that the region is known for its picturesque villages, rolling hills, and historic market towns, making it a popular destination for tourists and retirees. The cost of living in Cotswolds can be higher than in other parts of the UK, particularly when it comes to housing, as the area is known for its charming and often expensive stone cottages. Public transportation is available, but it may be limited in some rural areas, so having a car can be beneficial for getting around. The Cotswolds is a relatively safe and peaceful area, with low crime rates and a strong sense of community. However, it's essential to research the specific village or town you plan to move to, as each area has its own unique character and amenities. The region has a range of good schools, both state-funded and private, but it's important to research catchment areas and admission policies before making a decision. Healthcare services are available through the National Health Service (NHS), but expats should ensure they are eligible for free healthcare by registering with a local GP. Private healthcare options are also available for those who prefer or require additional services. The Cotswolds has a range of leisure activities, including walking, cycling, and horse riding, as well as numerous cultural events and festivals throughout the year. Employment opportunities in the Cotswolds can be limited, particularly in rural areas, so it's essential to secure a job before moving to the region. The local economy is primarily based on tourism, agriculture, and small businesses, with some larger employers in nearby cities such as Cheltenham and Gloucester. Finally, expats should be prepared for the British weather, which can be unpredictable and often includes rain, even during the summer months," wrote one member in Cotswolds.

How do I find a place to live in Cotswolds?

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

"To find a place to live in Cotswolds, you can start by researching the different towns and villages within the region to determine which area best suits your needs and preferences. Once you have narrowed down your search, you can use online property search websites such as Rightmove, Zoopla, or OnTheMarket to browse available properties for rent or sale in your chosen area. Additionally, you can contact local estate agents who can provide you with more information about available properties and help you arrange viewings. It's also a good idea to visit the area in person to get a feel for the community and local amenities before making a decision. Don't forget to consider factors such as proximity to schools, transportation, and local amenities when choosing a place to live in Cotswolds," wrote a member in Cotswolds.

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

"A typical expat home or apartment in the Cotswolds, is likely to be a charming, traditional stone cottage or a modern, well-appointed flat. These homes often feature exposed wooden beams, fireplaces, and cozy living spaces. The cottages may have small, well-maintained gardens, while the apartments might offer balconies or shared outdoor spaces. The interiors are usually well-furnished, with a mix of contemporary and classic British design elements. The homes are often situated in picturesque villages or market towns, surrounded by the rolling hills and lush countryside that the Cotswolds is famous for. Local amenities, such as shops, pubs, and restaurants, are typically within walking distance or a short drive away," remarked one expat who made the move to Cotswolds.

What is the average cost of housing in Cotswolds?

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

"The average cost of housing in Cotswolds, can vary greatly depending on the type and location of the property. However, it is generally considered to be relatively high due to the area's popularity and picturesque scenery. As of 2021, the average house price in Cotswolds is around £385,000, with detached properties being the most expensive and flats being the most affordable," said one expat who made the move to Cotswolds.

How do I meet people in Cotswolds?

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

"Expats in the Cotswolds often join local clubs and societies to meet people and integrate into the community. These can range from sports clubs such as golf, tennis, or cricket, to cultural societies like local theatre groups, art clubs, or music societies. There are also a number of social clubs and groups specifically aimed at expats, providing a supportive network for those new to the area. In addition to clubs and societies, expats often meet people through local events and festivals. The Cotswolds is known for its vibrant calendar of events, including food and drink festivals, music and arts festivals, and traditional country fairs. These events provide a great opportunity to meet locals and other expats, and to get involved in the community. Volunteering is another popular way for expats to meet people in the Cotswolds. There are numerous charities and community projects in the area that welcome the help of volunteers. This not only provides a chance to meet people, but also to contribute to the local community and learn more about the area. Many expats also meet people through their children's schools. The Cotswolds has a number of excellent schools, and many organise social events for parents. This can be a great way to meet other families in the area. Finally, the Cotswolds has a number of pubs, cafes, and restaurants that are popular meeting places for locals and expats alike. These provide a relaxed and informal setting to meet people and make new friends," wrote one member in Cotswolds.

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What should I bring when moving to Cotswolds?

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

"When moving to Cotswolds, you should pack clothing suitable for the mild and often wet climate, including waterproof jackets, warm layers, and comfortable footwear for walking on cobblestone streets and exploring the countryside. Bring essential documents such as your passport, visa, and any necessary medical records. Pack any prescription medications you may need, as well as a basic first aid kit. Bring electronic devices and chargers, along with a power adapter for UK outlets. Don't forget important personal items such as toiletries, eyewear, and any sentimental items that will make your new home feel more familiar. Lastly, consider packing a guidebook or map of the Cotswolds to help you explore your new surroundings," wrote a member in Cotswolds.

Where should I setup a bank account in Cotswolds?

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

"Expats considering retiring in the Cotswolds, should be aware of several factors to ensure a smooth transition and enjoyable retirement. Firstly, it is essential to research the cost of living, including housing, utilities, groceries, and transportation, as it can be higher than in other parts of the UK. Healthcare is another crucial aspect to consider, as the UK has a National Health Service (NHS) that provides free healthcare to residents. Expats should check their eligibility for NHS services and consider purchasing private health insurance if necessary. The Cotswolds is known for its picturesque villages and beautiful countryside, making it an ideal location for retirees who enjoy outdoor activities and a slower pace of life. However, it is essential to visit the area and explore different villages to find the perfect fit for your lifestyle and preferences. When it comes to transportation, the Cotswolds is well-connected to major cities like London, Birmingham, and Bristol by train and bus services. However, having a car can be beneficial for exploring the countryside and accessing local amenities. The UK has a relatively mild climate, with cool winters and warm summers. The Cotswolds can experience more rainfall than other parts of the country, so expats should be prepared for wet weather and invest in appropriate clothing. It is essential to understand the UK's tax system and how it may affect your retirement income. Expats should consult with a financial advisor to ensure they are aware of any tax implications and can plan accordingly. Finally, it is crucial to consider the social aspects of retiring in the Cotswolds. While the area is known for its friendly communities, it can be helpful to join local clubs, societies, or volunteer organizations to meet new people and integrate into the community," explained one expat living in Cotswolds, England.

Will I be able to find a job in Cotswolds?

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

"Foreigners in Cotswolds, often find employment in various sectors. Many work in the hospitality industry, taking roles in hotels, restaurants, and bars. Some find jobs in the agricultural sector, working on farms or in food production. Others work in the retail sector, in shops and boutiques that cater to the area's many tourists. There are also opportunities in the healthcare sector, where foreigners might work in local hospitals or care homes. Additionally, some foreigners might find work in the construction industry or in professional roles, such as teaching or IT, depending on their qualifications and experience," explained one expat living in Cotswolds, England.

What is life like in Cotswolds?

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

"Life for expats and digital nomads in the Cotswolds, is often described as peaceful and idyllic. The region is known for its picturesque landscapes, charming villages, and slower pace of life, which many find conducive to remote work. The Cotswolds is rich in history and culture, offering plenty of opportunities for exploration and leisure activities. Despite its rural setting, it has a strong internet infrastructure, making it suitable for digital nomads. The cost of living can be high, especially in popular tourist areas, but there are also more affordable options in less frequented towns. The locals are generally friendly and welcoming, and while it may take some time to adjust to the local dialect and customs, most expats find the community to be inclusive and supportive. Public transportation is limited, so having a car can be beneficial. Overall, the Cotswolds offers a unique blend of tranquility, natural beauty, and cultural richness that many expats and digital nomads find appealing," commented one expat who made the move to Cotswolds.

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

"Expats in Cotswolds, often appreciate the picturesque landscapes and charming villages that make up the region. They enjoy the friendly and welcoming nature of the local people, who are always willing to help and share their knowledge of the area. The rich history and well-preserved architecture, such as the honey-colored limestone buildings, are also highly valued by expats. Additionally, they appreciate the slower pace of life, which allows them to relax and enjoy the natural beauty of the countryside. The abundance of local pubs, restaurants, and cafes offering delicious traditional British food and drink is another aspect of the local culture that expats enjoy. Finally, the numerous cultural events and festivals, such as the Cheltenham Literature Festival and the Cotswold Show, provide opportunities for expats to immerse themselves in the local community and experience the best of British culture," said one expat who made the move to Cotswolds.

What do expats find most challenging?

"Expats in Cotswolds, may find the local culture challenging in several ways. They might struggle with the reserved nature of the British people, which can make it difficult to form close friendships and social connections. The Cotswolds is a rural area, so expats may also find the slower pace of life and limited entertainment options challenging, especially if they are used to living in a bustling city. Additionally, the British sense of humor, which often relies on sarcasm and self-deprecation, may be difficult for expats to understand and appreciate. The unpredictable weather in the UK, with frequent rain and overcast skies, can also be a challenge for those who are used to sunnier climates. Finally, navigating the local bureaucracy and understanding the nuances of the British healthcare system can be a daunting task for expats who are new to the country," commented one expat who made the move to Cotswolds.

Is there a lot of crime in Cotswolds?

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

"The Cotswolds, is generally considered a safe and peaceful area with relatively low crime rates. However, like any other region, it is not completely free from crime. The most common types of crime in the Cotswolds include minor thefts, burglaries, and anti-social behavior. Violent crimes and serious offenses are relatively rare in the area. The local police force works diligently to maintain the safety and security of the community, and residents are encouraged to report any suspicious activities or incidents. Overall, the Cotswolds remains a desirable place to live and visit due to its low crime rates and picturesque surroundings," explained one expat living in Cotswolds, England.

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

"The Cotswolds, located in the heartland of England, is predominantly rural and is known for its quintessentially English charm. While it may not be as diverse in terms of ethnicity compared to larger UK cities, it does attract a wide range of people from different backgrounds, including tourists, artists, retirees, and professionals. The area is generally known for its welcoming and friendly atmosphere. However, like any place, individual experiences may vary. The Cotswolds is also home to a variety of cultural events and festivals that celebrate diversity and inclusivity," said one expat who made the move to Cotswolds.

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What are the schools in Cotswolds like?

"1. Rendcomb College: Rendcomb College is an independent co-educational day and boarding school located in the heart of the Cotswolds. The school offers a broad curriculum with a strong emphasis on character development. It also offers an International Study Centre for students from around the world, providing intensive English language support alongside the mainstream curriculum. [Website](https://www.rendcombcollege.org.uk/) 2. Cheltenham College: Cheltenham College is one of the UK's leading co-educational independent schools for both day and boarding pupils. It offers an outstanding all-round education and is known for its strong pastoral care. The school has a diverse community with students from over 40 different countries. [Website](https://www.cheltenhamcollege.org/) 3. Cheltenham Ladies' College: Cheltenham Ladies' College is a leading independent boarding and day school for girls aged 11 to 18. The school offers a broad and balanced curriculum and is known for its academic excellence. It has a diverse student body with girls from over 40 different nationalities. [Website](https://www.cheltenhamladiescollege.co.uk/) 4. Dean Close School: Dean Close School is a long-established co-educational day and boarding school set in 50 acres of parkland in the heart of Cheltenham. The school offers a broad curriculum and is known for its strong pastoral care and excellent academic results. It has a diverse student body with pupils from over 25 different countries. [Website](https://www.deanclose.org.uk/) 5. Bredon School: Bredon School is a co-educational day and boarding school that welcomes students from around the world. The school offers a broad curriculum with a strong emphasis on practical and vocational learning. It also offers English as an Additional Language (EAL) support for international students. [Website](https://www.bredonschool.org/) 6. The King's School, Gloucester: The King's School is a co-educational independent day school located in the heart of Gloucester. The school offers a broad and balanced curriculum and is known for its strong pastoral care and excellent academic results. It has a diverse student body with pupils from a range of different nationalities. [Website](https://www.thekingsschool.co.uk/) 7. Malvern St James Girls' School: Malvern St James is a leading independent boarding and day school for girls aged 4 to 18. The school offers a broad and balanced curriculum and is known for its academic excellence. It has a diverse student body with girls from over 30 different nationalities. [Website](https://www.malvernstjames.co.uk/)," explained one expat living in Cotswolds, England.

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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