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Hamilton, New Zealand: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Hamilton | Digital Nomad Exchange
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Hamilton, New Zealand

By Betsy Burlingame

Last updated on Aug 06, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Hamilton, New Zealand. They offer advice about meeting people, cost of living, finding a home and more.

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

What do I need to know before moving to Hamilton?

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

"Hamilton, is a city located in the Waikato region on the North Island, known for its beautiful gardens, vibrant arts scene, and proximity to outdoor activities. The cost of living in Hamilton is generally lower than in larger cities like Auckland or Wellington, but it's still considered high compared to many other countries. Hamilton has a temperate oceanic climate, with warm, humid summers and mild, wet winters, so it's important to pack a variety of clothing. The city is known for its excellent education system, with a range of high-quality public and private schools, as well as the University of Waikato, making it a great place for families. Public transportation in Hamilton is reliable, but many residents also choose to drive or bike, as the city is quite spread out. Hamilton is a multicultural city with a large Maori population, and it's important to respect the local customs and traditions. The healthcare system in New Zealand is of a high standard, with a mix of public and private providers, but expats should ensure they have adequate health insurance. The official language is English, but Maori is also widely spoken and respected, so learning a few basic phrases can be beneficial. Hamilton is known for its safety and low crime rate, but like any city, it's important to take basic precautions, especially at night. The city offers a wide range of recreational activities, from exploring the Hamilton Gardens and the Waikato Museum to enjoying the vibrant nightlife and dining scene. Finding accommodation in Hamilton can be competitive, so it's recommended to start looking for a place to live as soon as possible. New Zealand has strict biosecurity laws to protect its unique environment, so be aware of what you can and can't bring into the country. Finally, it's important to understand the visa requirements before moving to New Zealand, as the process can be complex and time-consuming," explained one expat living in Hamilton, New Zealand.

How do I find a place to live in Hamilton?

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

"Finding a place to live in Hamilton involves several steps. First, you need to determine your budget. This will help you narrow down your options and focus on areas that are affordable for you. Next, you should decide on the type of accommodation you want. This could be a house, apartment, or shared accommodation. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rental properties in Hamilton, such as Trade Me Property, realestate.co.nz, and nzflatmates. On these websites, you can filter your search based on your preferences, such as the number of bedrooms, bathrooms, and the location. You can also engage the services of a real estate agent. They can help you find properties that match your criteria and arrange viewings. When you find a property you like, you'll need to apply for it. This usually involves filling out an application form and providing references. If your application is successful, you'll need to sign a tenancy agreement. This is a legally binding contract that outlines the terms and conditions of your tenancy. Before you move in, you'll also need to pay a bond. This is usually equivalent to four weeks' rent and is held by the Tenancy Services. It's returned to you at the end of your tenancy, provided there are no damages or unpaid rent. Finally, you'll need to arrange for utilities, such as electricity, gas, and internet, to be connected. Remember, finding a place to live can take time, so it's important to start your search well in advance of when you plan to move," remarked one expat who made the move to Hamilton.

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

"A typical expat home or apartment in Hamilton, is often modern and well-equipped with all the necessary amenities. These homes are usually located in safe and secure neighborhoods, often close to the city center or in suburban areas with easy access to public transportation. They often feature open-plan living spaces, fully equipped kitchens, and one to three bedrooms. Some may also have a small outdoor area or balcony. The apartments are usually part of well-maintained complexes that offer additional amenities such as a gym, swimming pool, or communal garden. They are often close to local shops, restaurants, and parks. Homes, on the other hand, are typically standalone properties with a bit more space, including a backyard or garden. They are often located in family-friendly neighborhoods, close to schools and recreational facilities. Both homes and apartments in Hamilton are designed to be comfortable and functional, with a focus on natural light and outdoor living. They often have heating systems for the colder months and may have air conditioning or ceiling fans for the summer. In terms of decor, many expat homes and apartments in Hamilton are furnished, with a modern and minimalist style. However, unfurnished options are also available for those who prefer to bring or buy their own furniture. Overall, the typical expat home or apartment in Hamilton, New Zealand, offers a comfortable and convenient living environment, with a range of options to suit different needs and preferences," commented one expat who made the move to Hamilton.

What is the average cost of housing in Hamilton?

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

"The average cost of housing in Hamilton can vary greatly depending on the area and type of property. As of recent data, the median price for a residential property in Hamilton is around NZD 730,000. However, prices can range from around NZD 500,000 for a smaller, more modest home to well over a million for a larger, more luxurious property. It's important to note that these are median prices and actual costs can vary based on factors such as location, size, condition, and market trends," said one expat who made the move to Hamilton.

What should I bring when moving to Hamilton?

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

"When moving to Hamilton, you should pack clothing suitable for a temperate oceanic climate, which means a mix of warm clothing for the winter months and lighter clothing for the summer. Don't forget to pack a good quality raincoat and umbrella, as Hamilton experiences rainfall throughout the year. Pack your essential documents such as passport, visa documents, driver's license, medical records, and insurance papers. If you're moving for work or study, remember to bring any necessary employment or university documents. Bring your electronics, including your laptop, smartphone, and chargers. If your devices aren't compatible with New Zealand's 230V power supply and Type I outlets, you'll need to pack appropriate power adapters or converters. Pack any prescription medications you take regularly, along with a copy of your prescription and a letter from your doctor explaining your need for the medication. If you're planning to drive in New Zealand, consider bringing your own GPS or satnav device, pre-loaded with New Zealand maps. Pack personal items that will make your new place feel like home, such as photos, small keepsakes, or your favorite books. Remember to pack toiletries and other personal care items, although keep in mind that you can also buy these items once you arrive in Hamilton. If you have room, consider packing a few non-perishable food items from your home country, especially if they're products you know you'll miss and might not be able to find in New Zealand. Lastly, don't forget to pack your adventurous spirit and open mind, as moving to a new country is a fantastic opportunity to experience a new culture and way of life," commented one expat who made the move to Hamilton.

Where should I setup a bank account in Hamilton?

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

"Before retiring in Hamilton, expats should know that the city offers a high quality of life with a relaxed pace, making it an ideal retirement destination. It is important to understand the cost of living, which is generally lower than in larger cities like Auckland or Wellington, but still higher than in many other countries. Expats should be aware of the healthcare system in New Zealand, which is a mix of public and private providers. While emergency care is free, some services may require out-of-pocket payment or private insurance. Understanding the tax system is also crucial. New Zealand has a progressive tax system, and retirees may still need to pay income tax on overseas pensions. Expats should also research the housing market. Hamilton has a range of housing options, from apartments in the city to houses in the suburbs. Renting is common, but those looking to buy should be aware that there is a restriction on foreign buyers for certain types of property. It's also important to understand the immigration process. New Zealand has a specific visa category for retirees, but there are certain financial and health requirements to meet. Finally, expats should know that Hamilton has a temperate climate with mild winters and warm summers. The city is known for its beautiful gardens and is close to both beaches and mountains, offering plenty of outdoor activities. Understanding the local culture and lifestyle is also important. New Zealanders, or Kiwis, are known for their friendly and laid-back nature. English is the main language spoken, but learning some basic Maori phrases can be beneficial. Lastly, it's worth noting that Hamilton is a relatively small city, so while it has many amenities, it may not offer the same level of entertainment or cultural activities as larger cities," wrote a member in Hamilton.

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

"Expats in Hamilton often appreciate the friendly and welcoming nature of the locals, who are always ready to help newcomers settle in. They also enjoy the laid-back lifestyle and slower pace of life, which is a refreshing change from the hustle and bustle of larger cities. The strong sense of community is another aspect that expats appreciate, as it makes them feel at home and part of the local culture. The city's rich Maori heritage and the respect for the environment are also highly valued. Expats also appreciate the emphasis on outdoor activities and sports, which is a major part of New Zealand culture. Lastly, the safety and cleanliness of the city is another aspect that expats in Hamilton appreciate," said one expat in Hamilton.

What do expats find most challenging?

"Expats in Hamilton may find the local slang and accent challenging to understand initially. The laid-back and reserved nature of Kiwis might be difficult for those from more expressive cultures. The Maori culture is deeply ingrained in New Zealand society, and understanding its nuances might be challenging for expats. The weather can be unpredictable, which can be a challenge for those from more stable climates. The cost of living, particularly housing, can be high compared to other countries. The isolation of New Zealand, both geographically and in terms of global news and events, can also be a challenge for some expats," remarked one expat who made the move to Hamilton.

Is there a lot of crime in Hamilton?

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

"Like any city, Hamilton experiences some level of crime. However, compared to other major cities around the world, the crime rate is relatively low. The city's crime mainly consists of petty theft, burglary, and minor assaults, which are more common in certain areas. Violent crime is less common, but it does occur occasionally. The local police force is active and responsive in maintaining law and order. Overall, Hamilton is considered a safe city to live in and visit, but residents and visitors are advised to take standard precautions to protect their personal safety and belongings," wrote a member in Hamilton.

What are the schools in Hamilton like?

"1. Southwell School: Southwell School is a co-educational independent (private) boarding and day school located in Hamilton. It offers a comprehensive curriculum for students from Year 1 to Year 8. The school is known for its strong emphasis on character development, academic excellence, and a wide range of cultural and sporting activities. More information can be found on their website: [Southwell School](http://www.southwell.school.nz/). 2. Hamilton Boys' High School: Hamilton Boys' High School is a single-sex boys' secondary school in Hamilton. It offers a broad curriculum and is known for its strong sporting tradition. The school also offers an International Student Program that provides a supportive environment for students from around the world. More information can be found on their website: [Hamilton Boys' High School](https://www.hbhs.school.nz/). 3. Waikato Diocesan School for Girls: Waikato Diocesan School for Girls is a single-sex girls' secondary school in Hamilton. The school offers a wide range of academic, cultural, sporting, and service opportunities. It also has an International Student Program that provides a supportive and nurturing environment for students from different countries. More information can be found on their website: [Waikato Diocesan School for Girls](https://www.waikatodiocesan.school.nz/). 4. Hamilton Christian School: Hamilton Christian School is a co-educational Christian school in Hamilton that offers education from Kindergarten to Year 13. The school provides a Christ-centered education and aims to equip students with the knowledge, skills, and attitudes needed for life. More information can be found on their website: [Hamilton Christian School](https://www.hamiltonchristian.school.nz/). 5. Hillcrest High School: Hillcrest High School is a co-educational secondary school in Hamilton. The school offers a wide range of academic, cultural, and sporting opportunities. It also has an International Student Program that provides a supportive and nurturing environment for students from different countries. More information can be found on their website: [Hillcrest High School](https://www.hillcrest-high.school.nz/). 6. Hamilton International Middle School: Hamilton International Middle School is a public middle school in Hamilton that offers a dual language immersion program in Spanish and English. The school aims to prepare students for a global society by providing them with the skills and knowledge needed to communicate effectively in multiple languages. More information can be found on their website: [Hamilton International Middle School](https://hamiltonms.seattleschools.org/)," remarked one parent with kids at in Hamilton.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad 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.

SJB Global
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.
Learn More

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.
Learn More

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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.
Learn More

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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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Cigna Global Health

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