Finding Housing as an Expat in Bermuda

1. What are the different types of housing options available for expats in Bermuda?

Expats in Bermuda generally have several housing options to choose from, catering to varying preferences and budgets. These options include:

1. Apartments: Expats can opt for apartment living in Bermuda, ranging from studio apartments to larger units. Areas such as Hamilton and St. George’s are popular for apartment living due to their central locations and amenities.

2. Condominiums: Condos are another popular choice for expats, offering a mix of privacy and shared amenities such as swimming pools, gyms, and security. Several developments in Bermuda cater to this housing option, especially in sought-after areas like Warwick and Paget.

3. Houses: Expats looking for more space and privacy may opt for standalone houses or cottages in Bermuda. These properties often come with gardens or outdoor spaces, making them ideal for individuals or families looking for a more traditional living arrangement.

4. Shared Housing: Another option for expats is shared housing or coliving spaces, where individuals rent a room in a shared property. This can be a cost-effective way to live in Bermuda while also fostering a sense of community with other expats or locals.

5. Corporate Housing: Some companies provide temporary corporate housing for their expat employees relocating to Bermuda. These fully furnished accommodations are convenient for short-term stays and offer a smooth transition for expats adjusting to their new environment.

Overall, expats in Bermuda have a range of housing options to choose from, depending on their preferences, budget, and length of stay in the country. It’s essential for expats to research different housing types and neighborhoods to find the best fit for their needs and lifestyle in Bermuda.

2. What is the rental market like in Bermuda for expats?

The rental market in Bermuda for expats can be competitive and expensive due to limited availability of properties and high demand. Here are some key factors to consider:

1. Rental Costs: Rental prices in Bermuda can be substantially higher compared to other locations. Expats should budget accordingly and be prepared for this higher cost of living.

2. Property Availability: The availability of rental properties in Bermuda, particularly in popular expat areas like Hamilton and St. George’s, can be limited. It is advisable for expats to start their housing search early and be flexible in their preferences.

3. Rental Regulations: Expats should familiarize themselves with local rental regulations and requirements in Bermuda, such as lease terms, deposits, and tenant rights. Working with a reputable real estate agent or relocation specialist can help navigate these regulations.

4. Housing Options: Expats in Bermuda can choose from a variety of housing options, including apartments, condominiums, and houses. Each type of accommodation has its own benefits and considerations, so expats should carefully assess their needs and preferences before making a decision.

Overall, navigating the rental market in Bermuda as an expat may require patience, due diligence, and possibly some compromises. Seeking local advice and assistance can help streamline the housing search process and ensure a smooth transition to living in Bermuda.

3. How can expats find accommodation in Bermuda before they arrive?

Expats looking for accommodation in Bermuda before they arrive can follow these steps:

1. Start by researching online platforms and real estate websites specific to Bermuda. Websites such as,, and provide listings for rental properties in Bermuda.

2. Reach out to local real estate agents or relocation services in Bermuda for personalized assistance in finding accommodation that suits your needs and budget. They can provide valuable insights into the rental market and help secure a property before your arrival.

3. Utilize social media platforms and expat forums to connect with other expats living in Bermuda who may have insights, recommendations, or even available rentals. Networking with the expat community can be a helpful resource in finding suitable accommodation.

4. Consider short-term accommodations such as hotels, serviced apartments, or vacation rentals until you can personally view and secure a long-term rental in Bermuda. This temporary solution allows you time to explore different neighborhoods and properties before committing to a long-term lease.

By taking these proactive steps and leveraging various resources, expats can increase their chances of finding suitable accommodation in Bermuda before their arrival.

4. What are the best neighborhoods for expats to live in Bermuda?

When considering the best neighborhoods for expats to live in Bermuda, several factors come into play to ensure a comfortable and convenient experience. Here are some top neighborhoods expats often consider:

1. Hamilton: As the capital city, Hamilton offers a vibrant cosmopolitan atmosphere with excellent dining, shopping, and entertainment options. Expats often find it convenient to live in or near the city center due to its proximity to offices, amenities, and transportation hubs.

2. Paget Parish: Known for its central location and close proximity to the city, Paget Parish attracts expats looking for a slightly quieter residential area while still being near essential services. This neighborhood offers a mix of housing options, from apartments to family homes.

3. Warwick Parish: Situated along the picturesque south shore, Warwick Parish appeals to expats seeking a balance between tranquil surroundings and accessibility. The area boasts beautiful beaches, parks, and a range of housing options, making it popular among expat families.

4. Devonshire Parish: Devonshire Parish provides a peaceful residential setting with easy access to various amenities and schools. Expats looking for a relaxed yet well-connected neighborhood might find Devonshire appealing, especially for its proximity to Hamilton and the airport.

Each of these neighborhoods offers its own unique appeal, and the best choice ultimately depends on individual preferences and priorities. It’s advisable for expats to explore different areas, consider factors like commute times, schools, and lifestyle preferences, and even seek advice from local real estate agents or other expats who have already settled in Bermuda.

5. What are the average rental prices for different types of housing in Bermuda?

In Bermuda, the average rental prices for different types of housing can vary widely depending on factors such as location, size, amenities, and condition of the property. Here is a general overview of the average rental prices you can expect in Bermuda:

1. Apartments: The average monthly rent for a one-bedroom apartment in Bermuda can range from $2,000 to $3,500, while a two-bedroom apartment may cost between $3,000 and $5,000 per month. Luxury waterfront apartments or those in popular tourist areas can command higher prices.

2. Houses: Rental prices for houses in Bermuda can also vary significantly. A small two-bedroom house in a less desirable location may cost around $3,000 to $4,500 per month, while larger family homes or those in sought-after neighborhoods can go for anywhere from $5,000 to $10,000 or more per month.

3. Condos: Condominiums in Bermuda are another popular housing option, especially for expats. The average monthly rent for a one-bedroom condo is typically between $2,500 and $4,000, while a two-bedroom condo can range from $4,000 to $6,000 per month.

4. Cottages: If you are looking for a more quaint and traditional housing option, cottages are available in Bermuda. Monthly rental prices for cottages can start at around $2,500 for a smaller property and can go up to $5,000 or more for larger or more luxurious cottages.

5. Shared Housing: For those looking to save on housing costs, shared accommodations or house-shares are an option in Bermuda. Monthly rents for a room in a shared house or apartment can range from $800 to $1,500, depending on factors such as location and amenities.

It’s important to note that these are average rental prices and actual costs may vary based on the specific location, condition, and demand for the property. Additionally, expats in Bermuda often find it helpful to work with a local real estate agent or relocation specialist to navigate the rental market and find housing that fits their needs and budget.

6. Are there any cultural considerations to keep in mind when looking for housing as an expat in Bermuda?

When looking for housing as an expat in Bermuda, there are several cultural considerations to keep in mind:

1. Respect for Local Customs: Bermudians value politeness and respect. It’s essential to be courteous in your interactions with landlords, neighbors, and the local community. Understanding and honoring Bermudian customs and traditions will help you integrate better into the local culture.

2. Community Engagement: Bermudians are known for their tight-knit community bonds. Consider choosing housing in neighborhoods that align with your lifestyle and values. Getting involved in community events or activities can help you establish connections and feel more at home in Bermuda.

3. Property Regulations: Familiarize yourself with the rules and regulations governing property ownership and rental agreements in Bermuda. There may be specific requirements or restrictions that apply to expats, so ensure you are well-informed before committing to a property.

4. Cost of Living: Bermuda has a relatively high cost of living compared to many other countries. Ensure that you factor in not just the rental cost but also expenses like utilities, groceries, and healthcare when budgeting for your accommodation.

5. Transportation: Depending on where you choose to live in Bermuda, access to transportation options like buses, ferries, or owning a vehicle may be necessary. Consider the proximity of your potential housing to your workplace, schools, and other amenities when making a decision.

6. Long-term Stay Planning: If you plan to stay in Bermuda for an extended period, consider how your housing needs may evolve over time. Whether you are looking for a short-term rental or a more permanent residence, having a clear understanding of your long-term housing goals will help you make informed decisions.

7. What documents are required to rent a property in Bermuda as an expat?

As an expat looking to rent a property in Bermuda, there are several key documents you will typically need to provide:

1. Proof of Identity: You will likely need to present a valid passport or some form of government-issued identification to verify your identity.

2. Proof of Employment: Landlords in Bermuda often require proof of steady income, which can usually be demonstrated through a letter of employment from your employer.

3. References: It’s common for landlords to ask for references from previous landlords or employers to vouch for your reliability as a tenant.

4. Work Permit or Residency Status: As an expat, you will need to provide documentation of your legal right to reside and work in Bermuda. This may include a work permit or residency permit.

5. Bank Statements: Landlords may request bank statements to verify your financial stability and ability to pay rent.

6. Rental History: Providing a record of your previous rental history can also be beneficial, especially if you have rented property in Bermuda before.

7. Rental Agreement: Once you have been approved as a tenant, you will typically need to sign a rental agreement outlining the terms and conditions of your tenancy.

It’s essential to check with the specific landlord or rental agency you are dealing with, as requirements can vary. Additionally, working with a reputable real estate agent or relocation specialist can help guide you through the process and ensure you have all the necessary documentation in order to secure a rental property in Bermuda as an expat.

8. Are there any specific rules or regulations that expats should be aware of when renting in Bermuda?

When renting in Bermuda as an expat, there are specific rules and regulations to be aware of:

1. Residency and Work Permit: Non-Bermudians must have a valid work permit to live and work in Bermuda. This permit may impact the type of housing expats can rent, so it’s essential to have the proper documentation in place.

2. Annual Rental Caps: Bermuda has annual rental caps enforced by the Rent Commissioner to prevent excessive rent increases. Expats should be aware of these caps to ensure they are not overcharged for their housing.

3. Rent Control Act: The Rent Control Act governs the rental market in Bermuda, providing guidelines on rental agreements, lease durations, and tenant rights. Expats should familiarize themselves with this act to understand their rights and obligations as tenants.

4. Deposit and Lease Terms: When renting in Bermuda, expats are typically required to pay a security deposit, usually equivalent to one month’s rent. Lease terms can vary, but they are often for a minimum of one year.

5. Housing Certificates: Landlords in Bermuda must obtain a Housing Certificate from the Rent Commissioner before renting out their property. Expats should ensure that their landlord has this certificate to comply with regulations.

6. Insurance: It is advisable for expats renting in Bermuda to secure rental insurance to protect their personal belongings and liability in case of unforeseen events.

By being mindful of these rules and regulations, expats can navigate the rental market in Bermuda more effectively and ensure a smooth transition into their new accommodation.

9. How does the process of renting a property in Bermuda differ for expats compared to locals?

Renting a property in Bermuda as an expat can differ from that for locals in several ways:

1. Residency Restrictions: Expats may have specific regulations and restrictions when it comes to renting property in Bermuda. Certain properties may be designated for locals only or may require special permits for expats to rent.

2. Housing Market Dynamics: Expats may face challenges in navigating the competitive housing market in Bermuda, where demand often exceeds supply. This can make it more difficult for expats to secure suitable accommodations within their budget and preferred location.

3. Work Permit Requirements: Expats typically need a valid work permit to reside and work in Bermuda, which can influence their ability to rent property. Landlords may require proof of a work permit before entering into a rental agreement with an expat.

4. Rental Costs and Deposits: Expats may be subject to different rental costs and deposit requirements compared to locals. Landlords may ask for higher deposits or advance rental payments from expats due to perceived risk factors or to cover potential damages.

5. Furnished vs. Unfurnished: Expats often prefer furnished accommodations, as they may have shorter tenures in Bermuda compared to locals. This can limit their options and may result in higher rental costs compared to locals who may opt for unfurnished properties.

Overall, the process of renting a property in Bermuda as an expat can involve additional considerations and requirements that distinguish it from the experience of locals. Understanding these differences and being prepared to navigate them can help expats find suitable housing options during their stay in Bermuda.

10. Is it common for expats to use a real estate agent when searching for housing in Bermuda?

Yes, it is quite common for expats to enlist the services of a real estate agent when searching for housing in Bermuda. Here are some reasons why expats tend to use real estate agents in Bermuda:

1. Knowledge and expertise: Real estate agents in Bermuda are well-versed in the local housing market, regulations, and procedures, which can be invaluable for expats navigating the rental or buying process in a new country.

2. Access to listings: Real estate agents have access to a wide range of properties that may not be readily available to the public, allowing expats to explore a variety of housing options that suit their needs and preferences.

3. Language and cultural barriers: For expats who may not be familiar with the local language or customs, a real estate agent can serve as a valuable intermediary in negotiations and communication with landlords or property owners.

4. Time-saving and convenience: Searching for housing in a foreign country can be time-consuming and overwhelming. Real estate agents can streamline the process by identifying suitable properties, scheduling viewings, and handling paperwork on behalf of the expat.

Overall, utilizing the services of a real estate agent can greatly facilitate the housing search process for expats in Bermuda, providing them with professional guidance and support every step of the way.

11. Are there any online platforms or resources specifically for expats looking for housing in Bermuda?

Yes, there are several online platforms and resources specifically designed to help expats find housing in Bermuda:

1. This is a popular real estate website that lists properties for sale and rent in Bermuda. Expats can use the platform to search for rental accommodations that suit their preferences and budget.

2. Coldwell Banker Bermuda Realty: This real estate agency has a dedicated section on their website for rental properties in Bermuda. Expats can browse through a variety of listings and contact the agency for further assistance.

3. Another real estate website that specializes in Bermuda properties, Regosir features a range of rental options for expats looking for housing on the island.

4. Local Facebook Groups: Expats can also join local Facebook groups such as “Bermuda Expats” or “Bermuda Housing Market” where community members often post rental listings and housing tips.

5. Word of Mouth: Networking with other expats or locals living in Bermuda can also be a valuable resource for finding housing opportunities that may not be listed online. Connecting with people who have lived or are currently living in Bermuda can provide firsthand insights and recommendations for finding the right housing as an expat.

12. What amenities are typically included in rental properties for expats in Bermuda?

Rental properties for expats in Bermuda typically include various amenities to ensure a comfortable living experience. Some common amenities found in rental properties in Bermuda for expats include:

1. Furnished or semi-furnished options, which may include essentials such as beds, sofas, dining tables, and kitchen appliances.
2. Air conditioning or ceiling fans to combat the warm climate of Bermuda.
3. High-speed internet and cable TV connections for entertainment and communication purposes.
4. In-unit laundry facilities or access to shared laundry rooms within the property.
5. Private or shared outdoor spaces like balconies, patios, or gardens.
6. Reserved parking spaces or on-street parking permits in areas where parking is limited.
7. Security features such as gated access, alarm systems, or security cameras for peace of mind.
8. Access to shared amenities within the building or complex, such as swimming pools, fitness centers, or communal BBQ areas.
9. Regular maintenance and repair services provided by the landlord or property management company.
10. Utilities such as water, electricity, and sometimes gas included in the rental price, although this can vary depending on the property.

These amenities aim to cater to the needs and preferences of expats living in Bermuda, offering a convenient and comfortable lifestyle in this tropical island paradise.

13. How far in advance should expats start looking for housing before moving to Bermuda?

Expats should ideally start looking for housing in Bermuda at least 2-3 months before their planned move date. This timeframe allows for ample time to research different neighborhoods, explore housing options, and arrange viewings. Additionally, starting the search early helps expats secure suitable accommodation that aligns with their preferences and budget. In a competitive rental market like Bermuda, early preparation can be crucial in finding a desirable place to live. Moreover, initiating the housing search well in advance allows expats to familiarize themselves with local rental practices, understand lease agreements, and make informed decisions regarding their housing needs. By starting early, expats can alleviate some of the stress associated with relocating to a new country and ensure a smoother transition into their new home in Bermuda.

14. Are there any additional costs or fees that expats should budget for when renting in Bermuda?

When renting in Bermuda as an expat, there are several additional costs and fees that you should budget for beyond the monthly rent. Some of these include:

1. Security Deposit: It is common practice in Bermuda to pay a security deposit upfront, typically equivalent to one month’s rent. This deposit is refundable at the end of the tenancy period, provided there is no damage to the property.

2. Agency Fees: If you use a real estate agent to help you find a rental property, you may be required to pay agency fees. These can vary but are usually around one month’s rent.

3. Utility Bills: While some rentals in Bermuda may include utilities such as water and electricity in the rent, it is more common for tenants to pay for these separately. Make sure to budget for these costs in addition to your monthly rent.

4. Internet and Cable: Just like utilities, internet and cable TV are typically separate expenses that you will need to budget for.

5. Property Taxes: As a tenant, you are not responsible for property taxes in Bermuda. However, these taxes are usually factored into the rent price by landlords.

6. Maintenance and Repairs: While landlords are responsible for major repairs, tenants often have to cover the cost of minor maintenance and repairs during their tenancy.

7. Insurance: Consider taking out rental insurance to cover your personal belongings and provide liability coverage. This is an additional cost that expats should budget for.

8. Parking Fees: If you have a car, you may need to pay for parking depending on the location of your rental property.

9. Moving Costs: Don’t forget to budget for the cost of moving your belongings to Bermuda, whether by shipping or air freight.

10. Furniture and Household Items: Depending on the rental property, you may need to purchase furniture and household items to make it feel like home.

It’s important to factor in all these additional costs and fees when budgeting for your rental in Bermuda to ensure a smooth and hassle-free experience.

15. How can expats ensure that the housing they find in Bermuda meets their needs and preferences?

Ensuring that the housing found in Bermuda meets the needs and preferences of expats is crucial for a successful relocation. Here are some key steps expats can take to achieve this:

1. Research the neighborhoods: Expats should research different neighborhoods in Bermuda to find one that aligns with their lifestyle and preferences. Consider factors such as proximity to work, amenities, safety, and overall ambiance.

2. Define your housing requirements: Before starting the search, expats should clearly define their housing requirements such as budget, number of bedrooms, proximity to schools, public transportation, and any specific amenities they desire.

3. Engage a local real estate agent: Working with a reputable local real estate agent in Bermuda can provide expats with valuable insights into the housing market, access to a wide range of listings, and guidance on the rental or buying process.

4. Schedule viewings: It’s essential for expats to schedule viewings of properties that meet their criteria. This allows them to assess the condition of the property, the neighborhood, and whether it meets their needs.

5. Consider additional fees: Expats should also factor in additional costs such as utilities, maintenance fees, property taxes, and any other expenses associated with the property.

6. Negotiate terms: Once a suitable property is identified, expats should be prepared to negotiate terms with the landlord or seller. This may include rent or purchase price, lease terms, or any necessary repairs or upgrades.

7. Get legal advice: It’s advisable for expats to seek legal advice before signing any agreements to ensure they understand their rights and responsibilities as tenants or property owners in Bermuda.

By following these steps, expats can increase the likelihood of finding housing in Bermuda that meets their needs and preferences, making their relocation experience more enjoyable and comfortable.

16. Are there any specific safety considerations to keep in mind when choosing a neighborhood in Bermuda as an expat?

As an expat looking for housing in Bermuda, there are several important safety considerations to keep in mind when choosing a neighborhood:

1. Crime Rate: While Bermuda is generally considered safe, it’s essential to research the crime rate in different neighborhoods. Typically, areas with higher crime rates should be avoided.

2. Accessibility: Choose a neighborhood that is well-connected with public transportation and has easy access to essential services like hospitals, police stations, and grocery stores. This can be crucial in emergencies.

3. Community Atmosphere: Look for neighborhoods with a strong sense of community and friendly neighbors. A close-knit community can enhance safety as neighbors often look out for one another.

4. Street Lighting: Opt for neighborhoods with well-lit streets, particularly if you plan to walk or commute during the evening. Good lighting can deter criminal activity and increase personal safety.

5. Local Infrastructure: Ensure that the neighborhood has well-maintained roads and sidewalks to prevent accidents and ensure easy navigation, especially if you plan to walk or bike.

6. Emergency Services: Check the proximity of the nearest police station, fire department, and medical facilities to your potential neighborhood. Quick access to emergency services is vital in times of need.

By considering these safety factors when choosing a neighborhood in Bermuda, you can ensure a secure and comfortable living environment as an expat.

17. What utilities are typically included in rental properties in Bermuda for expats?

In Bermuda, rental properties for expats may differ in terms of included utilities depending on the type of accommodation and rental agreement. Typically, rental properties in Bermuda for expats may include some or all of the following utilities:

1. Water: Water is usually included in the rental cost as Bermuda relies on rainwater collection for its water supply.
2. Internet and Cable TV: Some rental properties may include basic internet and cable TV services in the rental package.
3. Garbage Collection: Most rental properties include garbage collection services as part of the rental agreement.
4. Landscaping: In some cases, the maintenance of the property’s landscaping may be included in the rental cost.
5. Pest Control: Certain rental properties may also cover pest control services as part of the utilities.
6. Some high-end rental properties may include additional services such as cleaning, gardening, and pool maintenance in the rental package.

It is essential for expats to clarify with the landlord or real estate agent which utilities are included in the rent to avoid any misunderstandings or unexpected expenses.

18. How difficult is it to find pet-friendly accommodation in Bermuda as an expat?

Finding pet-friendly accommodation in Bermuda as an expat can be somewhat challenging due to certain restrictions and limitations imposed by landlords and housing policies. Here are some factors to consider:

1. Limited Availability: The number of rental properties that allow pets in Bermuda may be limited compared to other countries. Landlords often have strict rules about pets due to concerns about damage and nuisance to the property.

2. Breed Restrictions: Some landlords or housing complexes may have specific restrictions on certain breeds of pets, such as large dogs or breeds deemed aggressive.

3. Additional Fees: Landlords who do allow pets may require additional fees or a higher security deposit to cover any potential damages caused by the pet.

4. Pet Policies: It’s important to carefully review the lease agreement for any specific pet policies, such as the number of pets allowed, size restrictions, and rules regarding noise and waste management.

Overall, while it may be challenging to find pet-friendly accommodation in Bermuda as an expat, it is not impossible. Being transparent with landlords about your pet, providing references, and possibly offering a higher deposit can help improve your chances of securing suitable accommodation for both you and your furry friend.

19. What are some common pitfalls or challenges that expats face when trying to find housing in Bermuda?

Finding housing as an expat in Bermuda can present several challenges and pitfalls, including:

1. Limited Availability: Bermuda has a small land area which leads to a limited supply of housing options, making it difficult for expats to find suitable accommodation quickly.

2. High Cost of Living: Bermuda is known for its high cost of living, including expensive rental prices. Expats may find it challenging to afford housing that meets their needs within their budget.

3. Work Permit Restrictions: Some landlords may require proof of a work permit before renting out a property, which can be a challenge for expats who are still in the process of obtaining their work permits.

4. Shortage of Long-Term Rentals: The demand for short-term rentals in Bermuda, particularly during the peak tourist seasons, can result in a shortage of long-term rental options for expats.

5. Housing Discrimination: Expats may face discrimination from some landlords who prefer to rent to locals or individuals with Bermudian status, making it harder to secure suitable housing.

6. Unfamiliarity with Local Rental Market: Expats may struggle to navigate the local rental market in Bermuda due to unfamiliarity with local customs, rental laws, and norms.

Overall, expats in Bermuda should be prepared to research extensively, be flexible in their housing preferences, and seek assistance from real estate agents or relocation services to overcome these common challenges when looking for housing in Bermuda.

20. Are there any local customs or etiquette expats should be aware of when interacting with landlords or property managers in Bermuda?

When interacting with landlords or property managers in Bermuda as an expat, it’s important to be aware of the local customs and etiquette to ensure a smooth renting experience. Here are some key points to keep in mind:

1. Professionalism: Approach all interactions with landlords or property managers in a professional manner. Being polite, respectful, and courteous is highly valued in Bermudian culture.

2. Punctuality: Timeliness is important in Bermuda, so make sure to be on time for appointments and meetings with landlords or property managers.

3. Communication: Clear and direct communication is appreciated in Bermuda. Be upfront about your expectations, concerns, and any issues that may arise during your tenancy.

4. Respect for Property: Treat the property you are renting with care and respect. Follow any rules or guidelines provided by the landlord or property manager regarding maintenance and cleanliness.

5. Understanding Lease Agreements: Take the time to thoroughly read and understand the terms of your lease agreement. If there are any clauses or terms that are unclear, don’t hesitate to seek clarification from the landlord or property manager.

6. Payment Etiquette: Pay your rent and any other associated fees on time. In Bermuda, it is customary to pay rent in advance, so make sure to budget accordingly.

By keeping these customs and etiquette in mind when interacting with landlords or property managers in Bermuda, you can establish a positive and respectful relationship that will benefit both parties throughout your tenancy.