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  • Home
  • Countries

    Top Destinations:

    Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

    • Spain
    • Portugal
    • Panama
    • Belize
    • Colombia
    • Cyprus
    • Mexico
    • France
    • Montenegro
    • Browse All Countries

    Best For:

    • The Best Places To Retire
    • Health Care Abroad
    • Cost Of Living
    • Investing in Real Estate
    • Establishing Residency
    • Gun Laws In The World
    • English-Speaking Countries
    • Safest Places For Retirement
    • Best Places In Latin America
  • Budgets

    How Much Will It Cost You To Live Overseas?

    The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
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Home Countries Belize

An English-Speaking Tropical Paradise

by Sharon Lord
Jan 22, 2026
in Belize
0 0
A sandy coastal path lined with palm trees on Ambergris Caye, Belize

LIOS Stock

Not all islands can inspire a hit song by Madonna… but Ambergris Caye did. Madonna’s 1987 hit, “La Isla Bonita,” is her ode to Latin America and rumored to be specifically about San Pedro, the only town on Ambergris Caye.

Whether true or folklore, Ambergris Caye has embraced the moniker wholeheartedly. It’s easy to see how anyone—not just pop superstars—can become enamored with this tropical paradise.

Crystal-blue water beckons from all sides, with the world’s second-largest barrier reef no more than one mile offshore. English is the official language, making entry to the community simple for most North Americans. The people are warm and welcoming. And the food? That may just be the strongest draw! A blend of many cultures, there is something for every palate on this small island.

Belize International Airport (BZE) is on the mainland, a quick 15-minute puddle-jumper (or 90-minute ferry ride) away. BZE itself is only two to three hours from Dallas, Houston, Miami, and Atlanta, so if you want or need to return to the U.S., it is convenient to travel back.

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If cold weather is not your cup of tea, you will bask in Ambergris Caye’s tropical climate; you can depend on temperatures between 75°F and 95°F (24°C and 35°C) year-round and a comfortable water temperature in the low- to mid-80s (about 28°C to 29°C). It is sunny most days and humid—you will appreciate the trade winds off of the Caribbean Sea.

There aren’t “four seasons” that you find in a moderate climate; instead, we see “wet season” (May to October) and “dry season” (November to April). Even when it rains, it seldom does so all day—a brief rain shower may roll through, then clear up to a beautiful, sunny day.

The topography is low; this is a coral sand and porous limestone island, with mangrove forests at its heart. Running 25 miles north to south, and approximately two miles wide at its widest point east-to-west, it is the largest and most populated island in Belize—as well as the top island for tourism.

The Meso-American Reef rests just off its eastern shore, protecting the island from storms and teeming with sea life for diving and snorkeling enthusiasts.

Ambergris Caye is a top destination for sport fishing as well—be that reef, deep sea, or fly fishing on the tranquil flats of the western coast.

Given its attractions and amenities, the cost of living here is higher here than in any other part of Belize. Still, bargains can be had on real estate, and it’s one of the most affordable tropical islands, with many costs similar to North America’s. As a Permanent Resident, a couple could comfortably live on $1,700 to $2,000 per month, exclusive of housing.

To better stick to a budget, look for Belizean products or items from Central America and in-season produce. Going out to eat, costs vary widely. If you “live like a local” and enjoy rice and beans with stewed chicken, expect to pay $12 at a stall or small restaurant and $15 at a larger restaurant or one with a view.

Ambergris Caye has a strong expat community and Facebook groups flourish with activity, from fishing, walking, yoga, cooking, painting over cocktails… groups exist for volunteering for clean-ups, raising funds for the SAGA Humane Society, and Hope Haven, a children’s home.

There is a library downtown, as well as a handful of used bookstores and exchanges. My favorite used bookstore is also a hair salon. Community libraries are gathering steam on the island, often stocked by HOAs or clubs.

The San Pedro Lions Den assists the community with education, community health clinics, and events. They hold Bingo every Friday night at 6 p.m. with food and drinks available for sale. The Rotary Club of Ambergris Caye meets on Wednesday afternoons and regularly hosts charity events, fundraising drives, and community education. Bars and restaurants sponsor weekly events like karaoke, cribbage, and cornhole, and I wouldn’t be surprised if one installs a pickleball court soon. The demand is high!

Sincerely, 
Sharon Lord
Contributor, Overseas Living Letter

Tags: Ambergris Caye lifestyleBelize island livingMoving to BelizeOverseas RetirementSan Pedro expats
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Sharon Lord

Sharon Lord

Sharon Lord was born and raised in the Midwest and then attended college in Nashville, TN. Eager to hit the workforce, she withdrew after two years and earned her real estate license at 19, working both resale and new home sales. She moved to Phoenix, AZ, in 2002, where she met her husband, Nathan. Married in 2010, she is “second mom” to two now-adult sons. Sharon caught the international travel bug early, visiting Costa Rica, The Bahamas, Cozumel, Isla Mujeres, Belize, the Dominican Republic, Aruba, Tahiti, and Jamaica, sometimes solo. Her first visit to Ambergris Caye, Belize, was in 2002, and the island stuck with her soul; she brought Nathan to the island in 2014 and they were soon on the hunt for land, with long-term goals to expatriate. That time came in 2024, with both sons on their own, they and their three cats bought one-way tickets to paradise. Over the previous 10 years, they have invested in property at Secret Beach and a villa just north of the bridge in San Pedro, where they reside until their beach home is built.

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Top Countries

  • Spain
  • Portugal
  • Panama
  • Belize
  • Colombia
  • Cyprus
  • Mexico
  • France
  • Montenegro

Best For:

  • Health Care Abroad
  • Retirement Living
  • Cost Of Living
  • Investing in Real Estate
  • Establishing Residency
  • Gun Ownership
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  • Safety
BROWSE ALL COUNTRIES

Budgets

How Much Will It Cost
To Live Overseas?

Super Cheap

  • Chitré, Panama
  • Santa Marta, Colombia
  • Phuket, Thailand
  • Dumaguete, The Philippines

Cheap

  • Medellin, Colombia
  • Boquete, Panama
  • Kyrenia, Cyprus
  • Hua Hin, Thailand
  • The Algarve, Portugal

Affordable

  • Valencia, Spain
  • Cascais, Portugal
  • Las Terrenas, The DR
  • Pisa, Italy
  • La Rochelle, France
  • Mazatlán, Mexico

Luxury

  • Ambergris Caye, Belize
  • Kotor, Montenegro
  • The Panama City Beaches
  • Paris, France

Resources

Global Living

  • Living & Retiring Overseas
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Real Estate

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