The cost of living in the Cayman Islands is generally high compared to many other countries. It’s important to note that salaries in Cayman are often adjusted to reflect the higher cost of living, and there’s no income tax, which can offset some expenses.

Here’s a brief overview:

• Housing: This is typically the largest expense. Rent for a one-bedroom apartment in George Town can range from CI$1,200 to CI$2,500 per month, depending on location and amenities.
• Transportation: Gasoline is expensive, but cars are necessary for most residents. Public buses are available but have limited routes.
• Utilities: Monthly utilities (electricity, water, internet) for a small apartment can range from CI$200 to CI$400, depending on usage.
• Dining Out: A meal at an inexpensive restaurant might cost CI$15-25, while a three-course meal for two at a mid-range restaurant could be CI$80-120.
• Healthcare: While emergency care is free for residents, other healthcare costs can be high. Many employers provide health insurance.

Finding housing in Cayman can be challenging, but here are some effective ways to start your search:

• Online Platforms: • CIREBA (Cayman Islands Real Estate Brokers Association) website • Property Cayman • Ecaytrade.com • Facebook Marketplace and local Facebook groups
• Real Estate Agents: Many expats use local real estate agents who are familiar with the market and can help navigate the rental process.
• Word of Mouth: Networking with colleagues or joining expat groups can lead to housing opportunities.
• Local Newspapers: The Cayman Compass often has rental listings in its classified section.
• Drive Around: Some landlords still use “For Rent” signs, especially in residential areas.
• Corporate Housing: If you’re relocating for work, check if your company offers temporary housing while you search.

Tips:

• Start your search early – the rental market moves quickly.
• Be prepared for higher costs in popular areas like Seven Mile Beach.
• Most leases require a security deposit and first month’s rent upfront.
• Consider location in relation to work, schools, and amenities.
• Be aware that some utilities might not be included in the rent.

For more detailed advice or to connect with BOAC members who can share their housing experiences, don’t hesitate to reach out to our community.

Opening a bank account in Cayman is a straightforward process, but it requires proper documentation due to strict financial regulations. Here’s what you need to know:

• Choose a Bank: Major banks in Cayman include Butterfield Bank, Cayman National Bank, RBC Royal Bank, and Scotiabank.
• Required Documents: Typically, you’ll need: • Valid passport • Proof of address in Cayman (lease agreement or utility bill) • Employment letter stating your position and salary • Work permit or residency documentation • Reference letter from your previous bank (sometimes required)
• Initial Deposit: Most banks require a minimum opening deposit, which can vary by institution.
• In-Person Visit: You’ll likely need to visit the bank in person to open an account.
• Wait Time: Account approval can take a few days to a couple of weeks due to verification processes.

Tips:

• Start the process as soon as possible after arriving in Cayman.
• Some banks may require additional documents, so check their specific requirements.
• Consider opening both CI$ (Cayman Islands Dollar) and US$ accounts for convenience.
• Ask about online banking services and international transfer fees.
• Some employers have relationships with specific banks, which might streamline the process.

• Remember, banking practices can change, so it’s best to contact your chosen bank directly for the most up-to-date information.

The Cayman Islands offer a diverse education system with both public and private options. Here’s an overview:

• Structure: • Pre-school: Ages 3-4 (optional) • Primary: Ages 5-11 (Years 1-6) • Secondary: Ages 11-16 (Years 7-11) • Post-16 education: Ages 16-18 (Years 12-13)
• Public Schools: • Free for Caymanian citizens and permanent residents • Follow the British curriculum • Teach to GCSE and A-Level standards • Limited spaces; may have waiting lists
• Private Schools: • Offer various curricula including British, American, and International Baccalaureate • Annual fees vary widely, from CI$5,000 to CI$20,000+ • Often the choice for expat families due to availability and curriculum options
• Higher Education: • University College of the Cayman Islands (UCCI) offers associate and bachelor’s degrees • International College of the Cayman Islands (ICCI) provides various degree programs • Many students also choose to study abroad in the UK, US, or Canada
• Special Needs Education: Both public and private schools offer support for students with special educational needs

Key Points:

• The school year typically runs from late August to early July
• Enrollment often requires proof of residency and health records
• Some schools have uniform requirements
• Private schools may have entrance exams or interviews

Yes, there are certain restrictions on importing personal items into the Cayman Islands. Here’s what you need to know:

• Duty-Free Allowances: • Personal effects and household goods are generally duty-free for persons with work permits • Tourists have limited duty-free allowances for alcohol, tobacco, and gifts
• Prohibited Items: • Illegal drugs and narcotics • Weapons and ammunition without proper permits • Counterfeit goods • Some types of plants and animals
• Restricted Items (require permits): • Pets (need veterinary certificates and import permits) • Certain medications • Fresh fruits and vegetables • Meat and dairy products
• Electronics: • Personal electronics are generally allowed, but declare high-value items
• Vehicles: • Importing vehicles requires specific paperwork and can be costly due to high import duties
• Alcohol and Tobacco: • There are limits on the amount you can bring in duty-free
• Customs Declaration: • All arriving passengers must complete a customs declaration form
• Shipping Personal Effects: • For large shipments, using a reputable shipping company familiar with Cayman import procedures is advisable

Tips:

• Check the Cayman Islands Customs and Border Control website for the most up-to-date information
• When in doubt, declare items to avoid potential fines
• Keep receipts for high-value items to prove their value if questioned

The Cayman Islands enjoy a tropical marine climate, characterized by warm temperatures and distinct wet and dry seasons. Here’s a breakdown of what you can expect:

• Temperature: • Year-round warm temperatures, typically ranging from 75°F to 90°F (24°C to 32°C) • Little variation between seasons, with slightly cooler temperatures from November to April
• Seasons: • Dry Season: November to April
  • Lower humidity, less rainfall
  • Popular tourist season due to pleasant weather • Wet Season: May to October
  • Higher humidity, increased chance of rain
  • Usually short, heavy showers rather than all-day rain
• Humidity: • Generally high throughout the year • Can feel particularly intense during the wet season
• Sunshine: • Abundant sunshine year-round • Average of 7-8 hours of sunshine per day
• Water Temperature: • Warm and inviting all year, typically between 78°F to 86°F (26°C to 30°C)
• Hurricane Season: • Officially runs from June 1 to November 30 • Peak months are typically August to October • Cayman has well-developed hurricane preparedness plans
• Wind: • Trade winds provide a constant breeze, helping to moderate the heat • Wind speeds are generally higher from November to April

Tips:

• Light, breathable clothing is suitable year-round
• Sunscreen is essential in all seasons due to the strong tropical sun
• A light raincoat or umbrella can be useful, especially during the wet season
• Air conditioning is common in most indoor spaces

Understanding local customs and laws is crucial for a smooth transition to life in the Cayman Islands. Here are some key points to be aware of:

• Driving: • Drive on the left side of the road • It’s illegal to use a mobile phone while driving • Seatbelts are mandatory for all passengers
• Dress Code: • Beachwear is for beaches only; cover up when in public areas • Some restaurants and clubs have dress codes, especially in the evening
• Public Behavior: • Public intoxication is frowned upon and can result in fines • Littering is illegal and carries hefty fines
• Beach Access: • All beaches are public up to the high water mark • Be respectful of private property adjacent to beaches
• Marine Environment: • It’s illegal to take coral, starfish, or any marine life from the ocean • Fishing in marine parks is prohibited without a license
• Cultural Sensitivity: • Cayman is generally conservative; public displays of affection should be minimal • Sunday is still observed as a day of rest by many; some businesses may be closed
• Photography: • Ask permission before photographing individuals, especially in more rural areas
• Drugs: • Zero tolerance policy for illegal drugs, including marijuana

While Cayman has an excellent mosquito abatement program, there can be mosquitoes anytime of year, especially after periods of heavy rainfall, and in the summer months. Use of insect repellent, especially from Sundown through Dusk, is usually enough for most people to avoid an unpleasant experience.