From Beaches to Business: Living in Antigua and Barbuda (2025 Complete Guide)

Introduction

Antigua & Barbuda, a twin-island paradise in the Caribbean, has become a top destination for expatriates, digital nomads, retirees, and investors seeking sun-drenched beaches, low taxes, and a peaceful lifestyle. This guide will walk you through everything you need to know about living in Antigua & Barbuda in 2025, from housing and healthcare to business opportunities and citizenship.

Cost of Living & Budgeting

Living in Antigua & Barbuda is more affordable than many Western countries but varies depending on lifestyle and location.

Housing (Rent vs Buy)

Rent for a one-bedroom apartment ranges from $700 to $1,000/month in local neighborhoods and over $2,000/month in expat-favored areas like Jolly Harbour. Buying property requires an Alien Landholding License and typical homes cost from $255,000 up to several million for beachfront villas.

Utilities & Internet

Monthly utilities, including water, electricity, and gas, range from $150 to $250. High-speed internet averages $80/month. Solar panels and cisterns are common due to infrastructure limitations.

Food & Dining

Imported goods are pricey, but local produce and seafood are affordable. A meal at a local restaurant costs around $10–$12. Weekly markets offer fresh goods and a chance to connect with the community.

Life & Lifestyle

The Antiguan and Barbudan lifestyle is laid-back, colorful, and welcoming, with a blend of Caribbean heritage and modern conveniences.

Culture, Festivals & Cuisine

The country is rich in cultural events, including Carnival and Antigua Sailing Week. Cuisine features local staples like fungee, saltfish, and ducana. Music, dance, and storytelling are central to social life.

Recreation & Environment

With 365 beaches, hiking trails, and ample water sports, Antigua is ideal for nature lovers. The climate is tropical, with a dry season from January to April and a rainy season from June to November.

Safety & Security

Antigua & Barbuda is considered one of the safest Caribbean nations, but caution is advised in isolated areas.

Crime & Public Safety

Crime is relatively low, especially in tourist areas. Petty theft can occur, so it’s wise to stay alert. CCTV expansion and trained police have improved safety.

Access & Community Tensions

While most residents live peacefully, issues such as coastal access have sparked debates, particularly around luxury developments and local livelihoods.

Environmental & Disaster Risks

Hurricanes are a risk from June to November. The government has improved emergency preparedness, but residents should have contingency plans.

Work, Business & Jobs

While job opportunities for foreigners are limited, certain sectors welcome expats, and the country encourages foreign business investment.

Employment Opportunities

Tourism, hospitality, finance, and real estate are the main employers. Locals are given priority, but niche roles may be open to skilled expats.

Starting a Business & XE Currency

Setting up a business involves obtaining licenses and registering with local authorities. The Eastern Caribbean Dollar (XCD) is pegged to the USD, simplifying international transactions.

Digital Nomads & Remote Work

Antigua & Barbuda offers long-stay visa options for remote workers. With decent internet and scenic workspaces, it’s a rising hotspot for digital nomads.

Healthcare & Insurance

Healthcare in Antigua & Barbuda includes both public and private services, though private care is preferred by many expats.

Public vs Private Care

Public clinics are affordable but may be under-resourced. Mount St. John’s Medical Centre is the main hospital. Private care offers faster service and English-speaking doctors.

Cost of Coverage

Private insurance is essential, costing €50–€200/month depending on age and coverage. A GP visit averages $70–$150.

Health Risks & Prevention

Tropical diseases like dengue are present. Preventative care, bottled water, and mosquito repellents are recommended.

Taxes & Financial Considerations

Antigua & Barbuda has a tax-friendly environment with no capital gains, inheritance, or wealth tax.

Income & Property Taxes

Residents pay progressive income tax rates from 10% to 25%. Non-residents pay a flat 20% withholding tax. Property tax is relatively low but varies by location and value.

Banking & Currency

The XCD is stable and pegged to the USD. Opening a bank account requires proof of address, ID, and source of funds.

Housing & Property Ownership

Foreigners can purchase property with the required permits, and the real estate market is diverse.

Neighborhoods for Expats

Jolly Harbour, English Harbour, and Cedar Valley are popular among foreigners. These areas offer gated communities, marinas, and access to amenities.

Legal Requirements

Foreigners need an Alien Landholding License (costing 5% of the property value). Legal and government fees can add another 7%–10%.

Buying vs Renting

Buying offers long-term value and the option to gain residency. Renting is more flexible for newcomers.

Insurance

Besides healthcare, property and auto insurance are essential due to tropical weather and infrastructure concerns.

Health Insurance

Private coverage is highly recommended. It should include emergency evacuation, especially during hurricane season.

Home, Car & Generator Insurance

Home insurance protects against natural disasters. Vehicle insurance is mandatory, and backup generators are often insured due to frequent power outages.

Antigua and Barbuda Citizenship by Investment

The country offers one of the most accessible citizenship-by-investment programs in the Caribbean.

Program Requirements

Applicants can qualify by making a non-refundable $200,000 donation to the National Development Fund, investing $400,000 in real estate, or contributing to the University of the West Indies fund. Processing takes 3–6 months.

Benefits & Restrictions

Antigua and Barbuda citizenship by investment provides visa-free access to 160+ countries, tax optimization benefits, and the option to include family members. However, applicants must maintain good legal standing and commit to short residency periods.

Education & Family Life

Antigua & Barbuda is a suitable destination for families, with a growing education sector and a welcoming expat community.

Schools & Education System

Education is free and mandatory up to age 16. International schools are available and offer British or American curricula.

Expat Community & Social Life

There are many expat clubs, social events, and cultural festivals that help newcomers integrate quickly and make friends.

Transportation & Infrastructure

Getting around is relatively simple, although public infrastructure is still developing.

Driving & Public Transport

Cars drive on the left. Public transport is limited to minibuses and taxis. A local or international driver’s license is required.

Airport & Marine Links

VC Bird International Airport connects to major global hubs. Ferries and charter boats link Antigua to Barbuda and nearby islands.

Conclusion

Living in Antigua & Barbuda offers a rewarding mix of lifestyle, opportunity, and tranquility. Whether you’re seeking a warm-weather retirement, remote work haven, or second citizenship, Antigua & Barbuda provides the legal, social, and economic frameworks to support your Caribbean dreams.