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Crete, Greece: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Crete | Digital Nomad Exchange
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Crete, Greece

By Joshua Wood, LPC

Last updated on Jun 12, 2024

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

Cigna Global Health
Cigna Global Health
Cigna Global Health
Cigna Global Health

What do I need to know before moving to Crete?

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

"Before moving to Crete, Greece, expats should know that the official language is Greek, and while English is widely spoken, learning some basic Greek phrases can be beneficial. The cost of living is generally lower than in many European countries, but it can vary depending on the area. The healthcare system in Greece is good, with a mix of public and private healthcare services available, but it's advisable to have comprehensive health insurance. Expats should be aware that the pace of life in Crete is slower than in many other places, and this can extend to administrative processes, which can be time-consuming. The island has a Mediterranean climate with hot, dry summers and mild, rainy winters. It's important to note that Crete is prone to earthquakes, although most are minor and cause little damage. The cuisine in Crete is based on the Mediterranean diet, which is considered one of the healthiest in the world. The island is also known for its wine and olive oil production. Expats should be aware that Greek culture places a strong emphasis on family and socializing, and it's common for meals and gatherings to extend late into the night. Driving in Crete can be challenging due to the mountainous terrain and the driving habits of the locals, so it's advisable to familiarize yourself with the local driving laws and conditions. Public transportation is available but can be unreliable, especially in more remote areas. Finally, expats should know that Greece has a high rate of smoking, and smoking is still allowed in many public places. It's also worth noting that while Greece is part of the EU, it has retained its own currency, the Euro, and credit cards are widely accepted, but cash is still used for many transactions, especially in smaller establishments," said one expat in crete.

How do I find a place to live in Crete?

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

"Finding a place to live in Crete, Greece involves several steps. First, you need to decide on the area you want to live in. Crete is a large island with many different towns and villages, each with its own unique character. Some popular areas include Heraklion, Chania, Rethymno, and Agios Nikolaos. Once you've decided on an area, you can start your search for a property. There are several online platforms where you can find listings for apartments, houses, and villas in Crete. Websites like Spitogatos, HomeGreekHome, and XE are popular among locals and expats. These websites allow you to filter your search based on location, property type, price, and other criteria. You can also consider hiring a real estate agent to help you with your search. A local agent will have a good understanding of the property market in Crete and can help you find a property that fits your needs and budget. They can also assist you with the legal aspects of buying or renting a property in Greece. Once you've found a property you're interested in, you should arrange a viewing. This will give you a chance to see the property in person and assess its condition. It's also a good opportunity to meet the landlord or seller and ask any questions you might have. If you're planning to rent a property, you'll need to negotiate the terms of the lease with the landlord. This will include the rent, the length of the lease, and any other conditions. Once you've agreed on the terms, you'll need to sign a lease agreement. If you're planning to buy a property, you'll need to hire a lawyer to help you with the legal process. This will include checking the property's title, negotiating the sale contract, and arranging the payment. Once the sale is completed, the property's title will be transferred to your name. Finally, once you've secured a place to live, you'll need to arrange for utilities like electricity, water, and internet to be connected. You may also need to buy furniture and appliances, depending on the condition of the property," explained one expat living in crete, Greece.

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

"A typical expat home or apartment in Crete, Greece, often reflects the traditional Greek architecture with a modern touch. The homes are usually white or pastel-colored, with flat roofs and rounded edges, blending seamlessly with the natural landscape. They are often built with stone, reflecting the island's rich history and culture. Inside, the homes are designed to be cool and comfortable, with tiled floors and high ceilings. The living areas are spacious and airy, often opening out onto a balcony or terrace with stunning views of the sea or mountains. The kitchens are typically equipped with modern appliances, while the bathrooms often feature walk-in showers and sometimes even a bathtub. The bedrooms are usually generously sized, with large windows that let in plenty of natural light. Some homes may also have a small garden or courtyard, filled with local plants and flowers. Many expat homes in Crete also have a swimming pool, providing a perfect spot to cool off during the hot summer months. Despite their traditional appearance, these homes often come with modern conveniences such as air conditioning, central heating, and high-speed internet. They are usually located in close proximity to local amenities such as shops, restaurants, and schools, making them ideal for expats looking for a comfortable and convenient place to live," wrote a member in crete.

What is the average cost of housing in Crete?

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

"The average cost of housing in Crete, Greece can vary greatly depending on the location and size of the property. For instance, in the city center of Heraklion, the largest city on the island, you might expect to pay a higher price compared to more rural areas. On average, you could expect to pay around €1,500 to €2,000 per square meter for an apartment in the city. For a house in a rural area, the cost might be around €1,000 to €1,500 per square meter. However, these prices can fluctuate based on the current real estate market and other factors," explained one expat living in crete, Greece.

What should I bring when moving to Crete?

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

"When moving to Crete, Greece, you should pack a variety of clothing suitable for the Mediterranean climate, including lightweight clothing for the hot summers and warmer clothing for the cooler winters. Don't forget to pack swimwear for the beautiful beaches and comfortable walking shoes for exploring the island. You should also pack essential toiletries, although most items can be purchased locally. If you have prescription medications, ensure you have enough to last until you can arrange a local supply. Bring any necessary electrical items, such as your laptop or smartphone, along with the appropriate chargers and adapters for European plugs. If you're planning on cooking, you might want to pack some of your favorite non-perishable ingredients that may be hard to find in Crete. Remember to pack important documents, such as your passport, driver's license, and any necessary immigration paperwork. Lastly, consider packing items that will make your new place feel like home, such as photos, favorite books, or small keepsakes," said one expat in crete.

Where should I setup a bank account in Crete?

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

"Before retiring in Crete, Greece, expats should know that the cost of living is generally lower than in many Western countries, but it can vary depending on the lifestyle one chooses to lead. They should also be aware that the healthcare system in Greece is generally good, but it can be slow and bureaucratic, so private health insurance is recommended. Expats should also know that the primary language spoken in Crete is Greek, and while English is spoken in tourist areas and by younger generations, it can be beneficial to learn some basic Greek phrases. The climate in Crete is Mediterranean, with hot, dry summers and mild, rainy winters, which can be a significant change for those used to colder climates. Understanding the local culture and customs is also important. Greeks are known for their hospitality and social nature, so expats should be prepared for a vibrant social life. The pace of life in Crete is slower than in many other places, which can be a welcome change for retirees, but it can also lead to frustrations with the slower pace of services and bureaucracy. Expats should also be aware that while Crete is a popular tourist destination, it can be quite quiet and isolated in the off-season, which may not suit everyone. Finally, it's important to understand the legal and financial implications of retiring in Greece, including issues related to taxes, property ownership, and residency status. It's recommended to seek professional advice to navigate these complexities," commented one expat who made the move to crete.

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

"Expats in Crete, Greece, often appreciate the warm and welcoming nature of the local people, who are known for their hospitality and friendliness. They also value the relaxed pace of life, which is a stark contrast to the hustle and bustle of many Western cities. The rich history and culture of Crete, with its ancient ruins and traditional festivals, is another aspect that expats find fascinating. The local cuisine, characterized by fresh, locally sourced ingredients and traditional recipes, is also highly appreciated. Expats also enjoy the beautiful natural landscapes of Crete, from its stunning beaches to its rugged mountains. The strong sense of community and the importance of family in the Cretan culture is something that many expats find endearing and comforting. Lastly, the sunny and mild climate is a major draw for many expats, making Crete an enjoyable place to live year-round," remarked one expat who made the move to crete.

What do expats find most challenging?

"Expats in Crete, Greece often find the language barrier to be the most challenging aspect of the local culture, as Greek is a difficult language to learn and not everyone speaks English. The slower pace of life can also be a challenge for those used to a faster, more structured lifestyle. The Greek concept of time, known as "Greek time", where punctuality is not always a priority, can be frustrating for foreigners. Additionally, the bureaucracy in Greece can be quite complex and difficult to navigate, especially for those who are not familiar with the language. The cultural emphasis on socializing and hospitality can also be overwhelming for some, as it often involves late nights and a lot of food and drink. Lastly, adjusting to the local diet, which is heavy in olive oil and seafood, can be a challenge for some expats," wrote one member in crete.

Is there a lot of crime in Crete?

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

"Crete, Greece, generally enjoys a relatively low crime rate compared to other regions. The island is known for its safe and secure environment, making it a popular destination for tourists. However, like any other place, it is not entirely free from crime. Petty crimes such as pickpocketing or bag snatching can occur, particularly in crowded tourist areas and on public transportation. Violent crime is relatively rare, but it does occur occasionally. Most of these incidents tend to be isolated and often involve disputes between locals rather than targeting tourists or foreigners. There have also been reports of property crimes, such as burglary and theft, particularly in unoccupied holiday homes during the off-peak season. Despite these issues, the local authorities are proactive in maintaining safety and security. They regularly patrol and monitor public areas to deter criminal activities. In general, Crete is considered a safe place to live and visit, but it is always advisable for residents and visitors to take standard precautions to protect their personal safety and belongings," said one expat in crete.

What are the schools in Crete like?

"1. The International School of Crete (ISC) is a private, co-educational day school located in Chania, Crete. The school offers an international curriculum from kindergarten to grade 12, with instruction primarily in English. ISC is known for its small class sizes, personalized learning, and commitment to fostering global citizenship. The school's curriculum is based on the International Baccalaureate (IB) program, which is recognized worldwide. More information can be found on their website: http://www.isc.gr/ 2. The European School Heraklion is another notable institution in Crete. It is a European school that offers a multilingual and multicultural education from nursery school to secondary school. The school follows the European Schools curriculum, which is taught in several languages and includes a strong emphasis on European culture and values. The school's website is: https://www.esh.gr/ 3. The Crete International School is a private, co-educational school located in Heraklion, Crete. The school offers an international curriculum from kindergarten to grade 12, with instruction primarily in English. The school is known for its small class sizes, personalized learning, and commitment to fostering global citizenship. The school's curriculum is based on the International Baccalaureate (IB) program, which is recognized worldwide. More information can be found on their website: http://www.crete-school.com/ 4. The British School of Crete is a private, co-educational school located in Chania, Crete. The school offers a British curriculum from nursery to secondary school, with instruction primarily in English. The school is known for its small class sizes, personalized learning, and commitment to fostering global citizenship. The school's curriculum is based on the British National Curriculum, which is recognized worldwide. More information can be found on their website: http://www.britishschoolofcrete.org/ 5. The German School of Crete is a private, co-educational school located in Heraklion, Crete. The school offers a German curriculum from kindergarten to grade 12, with instruction primarily in German. The school is known for its small class sizes, personalized learning, and commitment to fostering global citizenship. The school's curriculum is based on the German education system, which is recognized worldwide. More information can be found on their website: http://www.deutsche-schule-heraklion.gr/," remarked one parent with kids at in crete.

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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