Living in Ajman: the ultimate expat guide

Ajman has developed a diversified economy that provides employment opportunities across multiple sectors. The emirate's GDP reached AED 36 billion (USD 9.8 billion) in 2023, driven primarily by manufacturing, trade, and construction. The Ajman Free Zone (AFZ) hosts over 20,000 companies from more than 160 nationalities, creating a dynamic business environment for both employers and job seekers.

Key Employment Sectors

The leading industries in Ajman include manufacturing (contributing 18.8% of GDP), wholesale and retail trade (18%), and construction (16.4%). The Ajman Free Zone is particularly strong in trading, logistics, e-commerce, food and beverage processing, textiles, automotive, and technology sectors. Many residents work in neighboring Dubai while benefiting from Ajman's lower living costs.

Work Visas and Permits

To work legally in Ajman, expatriates require an employment visa sponsored by their employer. The process involves obtaining an entry permit, undergoing a medical examination, and registering for an Emirates ID. The UAE Job Seeker Visa allows professionals to explore opportunities for 60, 90, or 120 days without a sponsor. The Green Visa enables skilled employees earning at least AED 15,000 per month to sponsor themselves for five years.

The following table provides key employment indicators for the region:

Sources: Oxford Business Group, UAE Government Portal

Ajman has established itself as a center for higher education in the UAE, hosting several accredited universities that attract students from around the world. The emirate's academic institutions offer diverse programs across business, engineering, medicine, and technology, with internationally recognized degrees and competitive tuition fees compared to Dubai and Abu Dhabi.

Ajman University

Ajman University (AU), founded in 1988, was the UAE's first private university and remains a leader in higher education. Ranked #440 globally and #6 in the UAE according to QS World University Rankings 2025, AU offers 36 programs across nine colleges. The university holds accreditation from the WASC Senior College and University Commission (WSCUC) and the UK's Quality Assurance Agency (QAA). Tuition fees range from AED 1,125 to AED 3,500 per credit hour for undergraduate programs and AED 625 to AED 4,500 for graduate programs. On-campus accommodation is available from approximately AED 3,810 to AED 12,625 per semester.

Gulf Medical University

Gulf Medical University (GMU) is a prominent institution for medical and healthcare education in the region. The university offers programs in medicine, dentistry, pharmacy, nursing, and allied health sciences. GMU's clinical training facilities and hospital affiliations provide students with hands-on experience essential for healthcare careers.

Admission Requirements

International students typically need an attested secondary school certificate, English proficiency (IELTS 6.0 or equivalent for most programs), and equivalency certification from the UAE Ministry of Education for foreign qualifications. Many universities offer scholarships based on academic merit.

Sources: Ajman University, QS Top Universities

Ajman offers a variety of schooling options for expatriate families, including international schools following British, American, and Indian curricula. School fees in Ajman are generally lower than in Dubai, making quality education more accessible for families on a budget while maintaining strong academic standards.

International Schools

British International School Ajman follows the UK National Curriculum from Foundation Stage through A-Levels and BTEC qualifications. Accredited by Cambridge Assessment International Education, the school offers fees ranging from AED 11,000 to AED 22,000 per year depending on the grade level. Woodlem British School and Frontline International Private School also follow the British curriculum, with average fees around AED 20,000 to AED 22,500 annually.

Curriculum Options

Schools in Ajman offer diverse curricula including British (IGCSE, A-Levels), American, Indian (CBSE), and IB programs. Most international schools are co-educational and use English as the primary medium of instruction, with Arabic language classes included in the curriculum as per UAE requirements.

Enrollment Process

Admission typically requires a completed application form, previous academic records, a passport copy, Emirates ID (if available), and immunization records. Many schools conduct entrance assessments, particularly for mid-year enrollments. Popular schools may have waiting lists, so applying well in advance is recommended.

The following table shows typical annual school fees in Ajman:

Sources: Which School Advisor, Edarabia

One of Ajman's greatest advantages is its affordable housing market. Rental prices are 30–50% lower than comparable properties in Dubai, allowing families to secure larger accommodations or save significantly on living expenses. The emirate offers a range of housing options from modern apartments to spacious villas across well-developed neighborhoods.

Popular Neighborhoods

Al Nuaimiya is one of Ajman's most sought-after residential areas, divided into three zones with excellent access to amenities, schools, and transport links. It features a mix of luxury apartments and villas with proximity to shopping centers. Al Rashidiya, located near the Sharjah border, offers affordable housing with good connectivity to Dubai and Sharjah. Emirates City provides modern high-rise living with competitive rents, while Al Jurf combines industrial and residential areas near the Ajman Free Zone.

Rental Costs

Rental prices in Ajman remain highly competitive. A studio apartment typically costs AED 14,000 – 18,000 per year, while a one-bedroom apartment ranges from AED 25,000 – 27,000 annually. Two-bedroom apartments are available from AED 30,000 – 45,000 per year, compared to AED 70,000 – 90,000 for similar units in Dubai.

Rental Procedures

Tenants should expect to pay rent in advance, typically through one to four post-dated checks per year. A 5% municipality fee and security deposit (usually one month's rent) are standard. Rental contracts must be registered with the Ajman Real Estate Regulatory Agency (ARRA) for legal protection.

Sources: Homeland Realty, Bayut

Despite its compact size, Ajman offers a rich array of leisure activities, cultural attractions, and outdoor experiences. From pristine beaches and nature reserves to historical museums and modern marinas, the emirate provides diverse options for relaxation and entertainment.

Beaches and Nature

Al Zorah Beach is Ajman's premier coastal destination, featuring golden sands, turquoise waters, and access to the spectacular Al Zorah Nature Reserve. This Ramsar-designated wetland spans over 1 million square meters of mangroves and lagoons, home to more than 200 bird species including pink flamingos. Visitors can enjoy kayaking tours (AED 100–150), boat rides (AED 80–120), and birdwatching along the mangrove waterways. Ajman Beach and the Ajman Corniche offer family-friendly stretches with cafes, walking paths, and sunset views.

Cultural Attractions

The Ajman National Museum, housed in an 18th-century fort that once served as the ruler's residence, showcases the emirate's history through archaeological artifacts, traditional crafts, and photographic exhibitions. Entry is free. The nearby Ajman Dhow Yard preserves the traditional craft of wooden boat building, offering a glimpse into the region's maritime heritage. The Sheikh Zayed Ajman Mosque features stunning Islamic architecture and welcomes respectful visitors.

Shopping and Entertainment

City Centre Ajman is the emirate's largest mall with over 70 international and local brands, a cinema, and diverse dining options. Safeer Mall offers shopping, a bowling alley, and arcade games for families. Ajman Marina provides a vibrant waterfront experience with restaurants, yacht clubs, and a 1.5 km promenade perfect for evening strolls.

Sources: UAE Ministry of Economy & Tourism, Trawell

Daily life in Ajman offers a relaxed pace compared to the bustling atmosphere of Dubai, while still providing access to modern conveniences and amenities. The emirate blends traditional Emirati culture with contemporary living, creating a comfortable environment for expatriate families and professionals.

Transportation

The Ajman Transport Authority (ATA) operates an integrated public bus network connecting major areas within the emirate and to neighboring Dubai and Sharjah. Internal bus fares cost AED 3 with a Masaar card or AED 5 cash. Inter-emirate buses to Dubai's Rashidiya Metro Station cost AED 15–19, with frequent departures from Al Musalla Bus Station. Taxis are widely available with a minimum fare of AED 12.5, while ride-hailing apps like Uber and Careem operate throughout the emirate. Many residents own cars due to affordable fuel prices (approximately AED 3 per liter) and free parking after 10 PM and on Fridays.

Cultural Considerations

Ajman follows UAE laws and Islamic customs. Residents should dress modestly in public areas, and public displays of affection are discouraged. Alcohol consumption is permitted only in licensed venues such as hotel bars and restaurants. During Ramadan, eating, drinking, and smoking in public during daylight hours is prohibited. The official language is Arabic, but English is widely spoken in business and daily interactions.

Shopping and Services

Major supermarkets including Lulu Hypermarket, Carrefour, and Big Mart offer competitive prices on groceries and household goods. City Centre Ajman and Safeer Mall provide shopping, dining, and entertainment options. The traditional Saleh Souq offers local goods, spices, and souvenirs.

Sources: Gulf News, Bayut

Ajman offers one of the most affordable cost of living in the UAE, approximately 50% lower than Dubai when including rent. This makes it an attractive option for budget-conscious expatriates who want to maximize savings while enjoying a comfortable lifestyle and proximity to the region's major business hubs.

Monthly Budget for a Single Person

A single professional can live comfortably in Ajman on a monthly budget of AED 6,000 – 8,000 including rent. Without rent, monthly expenses average AED 3,000 – 4,000, covering food, transportation, utilities, and leisure activities.

Monthly Budget for a Family of Four

Families can expect monthly expenses of AED 12,000 – 18,000 including rent, school fees, and everyday costs. The savings compared to Dubai can be substantial, particularly on housing and education.

Sources: Numbeo, Immigrant Invest