Expat Income Strategies In Belize: Exploring Options Beyond Retirement

Belize is a great place for expats to live and work, with its stunning natural scenery, low cost of living, and tropical climate. The country offers a range of benefits, including affordable housing, a relaxed lifestyle, and a diverse culture.

However, there are also some challenges to be aware of. Belize is a developing country, and its infrastructure and services may not always meet the standards of those from more developed nations. The healthcare system, in particular, may not meet the expectations of expats, with limited access to advanced medical care.

Overall, Belize is a welcoming and affordable destination, but it is important to do your research and be prepared for some adjustments when moving to this tropical paradise.

English as the official language

Belize is a small country in Central America with a population of around 400,000 people. It is a former British colony that gained its independence in 1981. The official language of Belize is English, although Spanish and Creole are also widely spoken.

Belize's history as a British colony is the reason that English is the country's official language today. This makes it an ideal location for TEFL-qualified teachers, as well as an attractive destination for expats, who can settle in without the worry of a language barrier.

The familiarity of the language makes the transition for expats much easier, and it is one of the country's biggest draws for foreign residents. All street signs are in English, and it is easy to get by in day-to-day life, whether it's at the bank, the grocery store, or when dealing with real estate agents.

The fact that English is the official language also makes Belize an ideal location for teaching English as a foreign language. There are plenty of jobs in public and private schools, as well as language schools. The school curriculum is delivered in English, and there is a demand for teachers with TEFL qualifications.

TEFL teachers in Belize can expect to earn between BZD 2,800 and BZD 3,600 (£950-£1,200) per month. The cost of living is relatively low, with a one-bedroom apartment in the city centre costing around BZD 720 (£360) per month.

The familiarity of the English language, combined with the country's natural beauty, friendly people, and rich cultural heritage make Belize a unique and exciting place to live and work.

Low cost of living

The cost of living in Belize is significantly lower than in the US. Consumer prices, including rent, are around 50-60% cheaper than in US cities. Food is also much more affordable, with prices up to 90% lower than in New York City.

The cost of utilities in Belize is also very reasonable, with water, cooking gas, phone, and internet services being far cheaper than in the US. For example, an unlimited talk and text plan with 8GB of monthly data costs around $28 per month, and the price of butane (the only cooking gas available) is regulated by the government.

However, electricity is quite expensive, with a residential rate of $0.45 per kWh. A couple running air conditioning units in both bedrooms at night can expect an average bill of around $150 per month.

The cost of living in Belize also depends on your chosen location and lifestyle. For example, renting a two-bedroom home in San Ignacio, inland Belize, can cost as little as $600 per month, while a one-bedroom condo on the coast or on Ambergris Caye will cost at least $1,200 per month.

Similarly, the cost of fruit, vegetables, meat, and poultry will vary depending on your location. For example, a loaf of white bread costs $1.50 in San Ignacio, while a loaf of wheat bread costs $2.50.

Overall, a couple from North America can survive on a budget of $1,000 per month, but $1,500 would be more reasonable.

Belize offers a wide range of housing options, from basic wooden homes to concrete houses with air conditioning. The Cayo District, for instance, offers a low cost of living and high-speed internet, making it an attractive location for location-independent businesses.

Belize's national meal, stewed chicken with rice and beans, is a cheap and filling option, costing between $6 and $8 at roadside stands. Eating out is generally affordable, with dinner at a local restaurant costing around $15 to $25. However, eating out in tourist areas like Placencia and Ambergris Caye can be expensive.

Public transportation is the cheapest way to cover long distances, with bus fares ranging from $1 to $15 depending on the distance travelled. Taxi fares vary, but sharing a ride with friends can help keep costs down.

Healthcare in Belize is also affordable, with a local "urgent care" trip costing around $25 and more advanced lab work costing $200. However, for more advanced medical treatment, many people choose to travel to Mexico or Panama.

Tropical climate

Belize's tropical climate is a huge draw for expats, with its warm weather and lush landscapes. The country has an average yearly temperature of 84°F (29°C), with coastal sea breezes and large areas of jungle and rainforest providing cooling relief in the hottest months. Even in winter, temperatures rarely fall below 60°F (16°C).

Belize has two seasons: the dry season, from February to May, and the rainy season, from May/June to November. The dry season is characterised by clear blue skies and cool ocean breezes, making it a great time to explore the beaches, rainforests and ancient Mayan ruins. The rainy season brings short bursts of rainfall, usually in the afternoons, and paints the country in countless shades of green, providing a stunning backdrop for wildlife spotting.

The country falls within the Hurricane Belt, and storms can occur during hurricane season from June to November. However, Belize has efficient alert systems in place, and the country is well-prepared for such weather events.

The tropical climate in Belize allows for a relaxed, outdoor lifestyle, with plenty of opportunities for dining and socialising outdoors, as well as water activities such as diving, snorkelling, fishing, kayaking, sailing and surfing. The climate is also ideal for air-drying laundry and reducing the need for heating, helping to save on utility costs.

While the tropical climate in Belize is generally pleasant, there are some challenges to be aware of. The humidity can be high, often reaching over 85%. Additionally, as with any tropical location, there are bugs to contend with. Mosquitoes can be a particular nuisance during the rainy season, especially between 5 pm and 7 pm. However, with the right precautions and adjustments, these challenges can be managed.

Healthcare system

Belize's healthcare system has been subjected to several reforms over the years, with the Ministry of Health being responsible for the significant changes in the medical arena. The system comprises both publicly and privately run healthcare facilities, financed through public and local private health insurance schemes. While the public system provides free basic care for all Belizeans and visitors, including emergency room care, prenatal care, urgent care, basic medications, and doctor visits, specialised care, labs, and certain medications come at a cost. Private care is also significantly more expensive than in Mexico or Guatemala, but still cheaper than in the US.

There are only eight major public hospitals and around 60 public clinics in Belize, with the majority of 24/7 hospitals located in Belize City. The public hospitals and clinics offer free or very inexpensive healthcare services, but this often results in long waiting times. A Belize Health Information System card (BHIS) is mandatory for anyone seeking treatment in a public healthcare facility, including expats.

The standard of healthcare across the country is low, with a shortage of medical professionals, supplies, and equipment. However, private healthcare providers in Belize City cater to expats and global citizens. The private sector has grown in recent years, especially in urban areas, and offers comprehensive coverage and a range of secondary and tertiary healthcare facilities.

Expats are advised to opt for comprehensive international health insurance before arriving in Belize, including repatriation costs and the cost of air ambulance services. Evacuation coverage is particularly important, as an ambulance flight can cost up to $15,000. Dozens of companies offer international health insurance for expats in Belize, including Cigna Global, Bupa/IHI, and International Medical Group.

It is recommended that expats get their vaccinations up to date before travelling to Belize and take precautions to protect themselves from diseases such as malaria, tetanus, hookworm, and leptospirosis. While water is safe to drink throughout the country, and street food is generally safe to eat, some people may experience an upset stomach due to the change in bacteria. Dengue fever and malaria are also periodic problems, especially in remote areas in the south during the rainy season.

Belize also has a rich tradition of alternative or 'bush' medicine, with Mayans, Garifuna, and Kriol communities having knowledge of the healing properties of many rainforest plants.

Safety

Belize is a popular destination for expats, with its stunning natural scenery, friendly people, and relaxed way of life. However, it is important to take certain precautions to ensure your safety in this Central American country.

Crime

Belize has a high overall crime rate, with some areas that can be particularly risky. Much of the reported crime is gang-related, and expats are more likely to be involved in petty crimes like pickpocketing and thefts. The police in Belize have limited resources, which can make it challenging to report or follow up on crimes. Therefore, it is crucial for expats to be vigilant about their safety and take necessary precautions when choosing a place to live and travel.

In tourist and expat areas like Placencia and Ambergris Caye, most expats feel relatively safe. Crime rates in these areas are similar to those in other tourist destinations worldwide. Petty theft is a common issue, while violent crime occurs occasionally but is statistically rare. It is still important to be cautious and vigilant, especially when it comes to personal safety and avoiding unnecessary risks.

Healthcare

Belize lacks high-quality healthcare options. While local hospitals can handle simple medical issues, more serious illnesses or dental care may require a trip to Mexico or Panama. The US State Department advises that serious injuries or illnesses may require medical evacuation to receive adequate treatment. Digital nomads and expats residing in Belize should consider obtaining international health insurance that includes repatriation and air ambulance services.

Transportation

When it comes to transportation, expats should be cautious about driving in Belize. The US State Department warns that road conditions can vary widely, with many roads lacking markings and shoulders. Drivers and cyclists may not obey traffic rules, creating chaotic and unsafe conditions. It is recommended to avoid driving at night and to check weather conditions before setting out, as some roads are prone to flooding. Taxis are available, but buses are usually only used for longer journeys, and both may lack safety features like seatbelts and airbags.

Scams

It is important to be aware of scams when purchasing property in Belize. There have been high-profile cases of fraudsters targeting US citizens buying property in the country. Expats should ensure they have the support of reputable realtors and property lawyers to protect their investments.

Culture Shock

Belize is a multicultural society with a population of around 400,000 people. Expats, especially those from North America, may experience culture shock due to different social, religious, and political views. It is important to respect the local culture and be open-minded when adjusting to life in Belize.

In conclusion, while Belize offers a laid-back and welcoming atmosphere, it is important for expats to take necessary safety precautions. By being vigilant, cautious, and informed, expats can minimize risks and enjoy a safe and pleasant life in this beautiful country.

Frequently asked questions