Living in Anguilla: the ultimate expat guide

Relocating to Anguilla requires understanding the territory's immigration framework. As a British Overseas Territory, Anguilla maintains independent immigration policies distinct from the UK. Entry requirements, visa categories, and permit durations vary based on nationality, intended length of stay, and purpose (tourism, employment, or investment).

Short-term entry requirements

British passport holders can enter Anguilla visa-free for up to 90 days. Other nationalities generally require a visa unless holding valid visas from the United Kingdom, United States, or Canada. Your passport must remain valid for at least 6 months from your entry date. Entry points include Clayton J. Lloyd International Airport (no direct flights from Europe or North America; connections via St. Maarten), Blowing Point Ferry Terminal (regular service from St. Maarten/Sint Maarten), and Sandy Ground port for private vessels with mandatory customs and immigration clearance.

eVisa for tourism and business

Short-term tourist or business visits can be arranged through Anguilla's eVisa system at evisa.gov.ai. Processing takes 8-10 business days, with the visa valid for 90 days from issuance, permitting stays up to 90 days. Fees vary by nationality, averaging around USD 220 including government charges. This option suits those exploring relocation opportunities, conducting business meetings, or planning extended vacations.

Work permits

Legal employment in Anguilla requires a Work Permit, available in 4 categories depending on your profession and sector. Permits are issued for maximum periods of 4 years, with exceptions for professionals possessing skills critical to Anguilla's economic development. Your Anguillan employer must sponsor your application, demonstrating that your skills address unmet local needs. Tourism, hospitality, financial services, and construction sectors regularly recruit qualified international workers.

Residency by Investment program

Anguilla offers an investment-based residency program for high-net-worth individuals seeking permanent residence. The minimum investment is USD 150,000 in an approved government fund, with additional fees of USD 50,000 per dependent (spouse, children). Processing typically takes 3 months, comparatively fast among Caribbean jurisdictions. This pathway provides a route to citizenship after 5 years of continuous residence, combining immediate tax advantages with long-term integration prospects.

Extensions and contact information

To extend your stay beyond your initial authorization, contact the Immigration Department after arrival at +264-497-2451. Initiate extension requests several weeks before your current visa expires to avoid irregular status. A departure tax applies when leaving the territory, payable at the airport or ferry terminal, though the exact amount varies and isn't standardized.

Anguilla's labor market, though modest due to the island's small population, offers opportunities across key sectors. With an 8% unemployment rate and total workforce of approximately 6,049 people, the economy actively seeks specialized skills, particularly in tourism and financial services. Economic stability and favorable business regulations attract entrepreneurs and international investors.

Labor market overview

The minimum wage stands at XCD 16.20 per hour (approximately USD 6/hour) as of January 2025, while the average net salary reaches around USD 2,800 monthly after taxes. The standard workweek is 40 hours, aligning with international norms. Labor force participation reaches 62.1% of the working-age population, reflecting a dynamic economy despite its size. Both employees and employers contribute 5% of monthly salary (capped at XCD 7,000/month) to social security, plus a 3% Stabilization Levy on earnings exceeding XCD 2,000/month (employee) or up to XCD 12,000/month (employer).

High-demand sectors

Anguilla's economy relies on several major pillars offering diverse employment prospects. Key sectors actively recruiting qualified professionals include:

Sources: Skuad, Global Expansion, Rivermate

Starting a business

Anguilla positions itself as a premier offshore jurisdiction for international entrepreneurs. The territory offers two primary legal structures: Anguilla Limited Liability Company (LLC) and Anguilla International Business Company (IBC). Key advantages include zero direct taxation on profits, minimal compliance requirements, a legal system based on English Common Law with international recognition, and fast, competitive formation processes. The regulatory framework consists of 5 principal laws governing the offshore financial market, ensuring both flexibility and legal certainty. This unique combination attracts financial services firms, consulting businesses, trading companies, and wealth management operations worldwide.

Anguilla ranks among the world's most advantageous tax jurisdictions, operating a zero-direct-tax territorial system. This highly favorable tax policy attracts high-net-worth individuals, entrepreneurs, and international investors. Since August 2025, the territory has reformed its indirect taxation while maintaining its tax haven status.

Complete absence of direct taxes

Anguilla's primary tax advantage is the total absence of personal income tax, regardless of residency status. This exemption extends to corporate profits (0% tax), capital gains, inheritance, and gifts. Foreign-source income remains untaxed and requires no declaration to local tax authorities. This framework enables significant wealth optimization, particularly valuable for retirees with foreign pensions or entrepreneurs generating international income.

Indirect taxation reform (August 2025)

A major tax reform took effect on August 1, 2025, modifying the goods and services tax system. Previously, Anguilla applied a uniform 13% Goods and Services Tax (GST) on all goods and services. The system now splits into two components: Goods Tax at 9% on imported goods (replacing GST on goods), and General Services Tax maintained at 13% on services. A social measure accompanies this reform: basic foodstuffs (non-confectionery) are now tax-exempt, reducing living costs for residents. Businesses with annual turnover exceeding XCD 300,000 must register, though certain sectors face mandatory registration below this threshold. Returns are filed monthly and must be submitted by the 20th of the following month.

Property and real estate taxes

While Anguilla doesn't tax income, several local taxes apply to real estate transactions and land ownership. Property Tax stands at 0.75% of land value annually. When purchasing property, you'll pay Stamp Duty ranging from 0.01% to 5% depending on the document type and transaction, plus 5% Land Transfer Tax on the purchase price. Foreign buyers face an additional 12.5% Alien Land Holding Levy on the transaction amount. A 10% Accommodation Tax applies to hotel and tourist apartment rentals, typically passed to customers.

International tax agreements

Unlike many jurisdictions, Anguilla hasn't signed traditional double taxation treaties with other countries. However, the territory has executed Tax Information Exchange Agreements (TIEA), enabling fiscal information exchange with certain international partners under anti-tax evasion frameworks. These agreements don't affect the local zero-tax regime but impose greater transparency on offshore structures to meet international standards. Consult a specialized tax advisor to understand implications in your home country, particularly regarding reporting obligations and existing agreements between your country and Anguilla.

Anguilla's healthcare system, while functional for basic care, has limited capacity due to the territory's small size. Residents and expats typically combine local public services with international private health insurance to ensure comprehensive coverage, particularly for complex interventions requiring medical evacuation.

Public healthcare facilities

Public medical infrastructure centers on Princess Alexandra Hospital in the capital, The Valley. This public facility provides basic care: general consultations, emergency services, dental care, maternity services, and select specialties. The Anguillan government announced in April 2025 its commitment to funding construction of a new modern hospital, demonstrating mid-term healthcare improvement ambitions. However, complex surgical procedures, specialized treatments, or critical emergencies require patient evacuation to better-equipped medical centers in St. Maarten, Puerto Rico, or the United States. Public healthcare services are accessible at moderate fees for residents, though wait times can be significant for non-urgent consultations.

Private health insurance

Subscribing to international private health insurance is strongly recommended, even essential, for any expat relocating to Anguilla. These policies cover not only local care but crucially emergency medical evacuations to specialized hospitals in neighboring islands or the United States, which can cost tens of thousands of dollars. Major international insurers offer Caribbean-adapted plans including private consultations in Anguilla, medical repatriation, dental and optical care, and overseas hospitalization. Carefully compare coverage limits, deductibles, and exclusions before subscribing, prioritizing contracts offering unlimited-geography evacuation coverage.

Private clinics and practitioners

Several private clinics and general practitioner and specialist offices operate in Anguilla, offering appointments with generally short wait times. These practitioners bill patients directly or accept third-party payment with certain international insurers. Rates align with US standards, relatively high: expect USD 100-200 for specialist consultations. Pharmacies are well-stocked with common medications, though certain specific treatments may require overseas ordering with several days' delay.

Prevention and vaccinations

No vaccinations are mandatory for entering Anguilla, except when arriving from a yellow fever risk area where vaccination certificates may be required. Standard vaccinations (tetanus, diphtheria, hepatitis A and B) are nevertheless recommended. Risk of tropical diseases like dengue or chikungunya exists, though limited. Use mosquito repellents and wear long clothing in evenings. Tap water is potable in most areas, though some residents prefer bottled water. The hot climate demands regular hydration and rigorous sun protection to prevent heat exhaustion and sunstroke.

Anguilla's education system follows the British model, offering satisfactory English-language instruction for expat families. While options are limited due to the island's small size, several public and private institutions accommodate children from preschool through secondary levels, with higher education pursued abroad.

Local school system

Public education in Anguilla is free and compulsory for children aged 5 to 17 years. The system divides into three cycles: primary education from 5 to 11 years, lower secondary from 11 to 14 years, and upper secondary from 14 to 17 years. Students follow the British curriculum and sit examinations administered by the Caribbean Examinations Council (CXC), equivalent to British GCSE and A-levels. These qualifications are internationally recognized and enable access to British, American, Canadian, and Caribbean universities. The literacy rate reaches approximately 95%, demonstrating system effectiveness. Main public schools include Albena Lake-Hodge Comprehensive School for secondary education, plus several primary schools distributed across the island's villages.

International and private schools

For expat families seeking an international educational environment, Omololu International School represents the primary option. This private school in The Valley offers the International Baccalaureate (IB) program and hosts students from various nationalities in a multicultural setting. The school covers all levels from preschool through high school, with English-language instruction and elevated academic standards. Annual tuition fees vary by level but generally range from USD 10,000 to USD 15,000, a significant investment consistent with Caribbean international schools. Omololu International School also provides modern facilities, extracurricular activities, and personalized instruction through small class sizes.

Higher education

Anguilla lacks universities on its territory. Young Anguillans and expats pursuing higher education attend institutions abroad, primarily in the United Kingdom, United States, Canada, or other Caribbean islands like Jamaica (University of the West Indies) or Trinidad and Tobago. Online universities also offer distance learning programs, practical for Anguilla residents seeking degrees without leaving the island. The Anguillan government provides scholarships and financial aid programs supporting students in overseas university pursuits, though eligibility criteria are strict and places limited.

Language and integration

With English as the official language of instruction, English-speaking children integrate seamlessly. Non-English-speaking families typically require several months' linguistic adaptation, particularly for younger children. Schools offer limited English as a Second Language (ESL) support, potentially necessitating supplementary private lessons. Anguillan Creole, while spoken locally, isn't formally taught and remains a vernacular everyday language. Immersion in an English-speaking environment facilitates rapid language acquisition for children, a valuable asset for their academic and professional futures.

Securing housing in Anguilla represents one of the largest expense categories for expats, with prices significantly above Caribbean averages. The real estate market is dominated by luxury villas and high-end properties, though some more affordable options exist for moderate budgets. Limited land availability (35 square miles only) and strong tourism demand maintain prices at elevated levels.

Available housing types

Real estate inventory consists primarily of detached villas, often with pools and ocean views, favored by affluent owners and luxury renters. Apartments are less common but exist in some residential complexes, particularly in The Valley and Sandy Ground. Traditional Creole houses, more modest, are typically occupied by long-term Anguillans and rarely available for long-term rental. For higher budgets, beachfront properties with private beach access constitute the premium segment, with purchase prices reaching several million dollars. Short-term vacation rentals (tourism) predominate, making long-term lease searches more complex, particularly during high season (December-April).

Rental prices

Monthly rents in Anguilla vary considerably based on location, size, and property standard. For a one-bedroom apartment in the town center (The Valley), expect approximately USD 1,200 to USD 1,800 monthly. A three-bedroom apartment outside the center rents for USD 2,000 to USD 3,500 monthly. Quality villas with multiple bedrooms, pool, and sea views start at USD 4,000 monthly and can exceed USD 10,000 for exceptional properties. These rates generally exclude utilities (electricity, water, internet), which can add USD 200 to USD 500 depending on consumption and property size. Long-term leases (12 months) sometimes offer negotiated rates below pure monthly rentals.

Purchase prices

Acquiring property in Anguilla represents a substantial investment reserved for buyers with comfortable budgets. Per-square-meter prices rank among the Caribbean's highest. A two-bedroom apartment averages between USD 400,000 and USD 700,000, while a luxury beachfront villa sells for USD 2 to 10 million depending on size, amenities, and proximity to renowned beaches. Don't forget acquisition taxes: 5% Land Transfer Tax, 12.5% Alien Land Holding Levy for foreigners, and variable Stamp Duty. Legal and notary fees add approximately 2-3% additional. Annual property taxation (0.75% Property Tax) remains modest compared to other jurisdictions.

Practical steps and advice

Housing searches are primarily conducted through local contacts, established Anguilla real estate agencies, or online listings on specialized platforms. Visiting the island before committing is strongly recommended, ideally for several weeks, to explore different neighborhoods and meet landlords. Leases typically require a security deposit equivalent to one or two months' rent, refundable at lease end. Verify property condition, equipment functionality (air conditioning, pool, generator for outages), and internet connection quality if working remotely. Some areas experience occasional water cuts; inquire about service reliability. Prioritize landlords or agencies with verifiable references to avoid scams, unfortunately present in popular tourist destinations.

Relocating to a small Caribbean island demands careful, advance preparation. Between organizing logistics for transporting your belongings, customs formalities, and adapting to island living, each step matters for successful settlement. Here's a detailed checklist to guide you through this life project.

Complete pre-departure checklist

1. Secure legal status: Obtain your appropriate visa (eVisa, Work Permit, or Residency by Investment) at least 2-3 months before your planned departure. Verify passport validity (minimum 6 months) and make certified copies of all identity documents.
2. Arrange housing: Conduct a reconnaissance trip to view multiple properties and sign a lease before your permanent move. Plan temporary accommodation (hotel or short-term rental) for the first weeks if necessary, while finalizing your long-term rental.
3. Organize sea freight: Contact companies specializing in international freight to the Caribbean at least 2 months in advance. Maritime transit from Europe or North America typically takes 4-8 weeks. Prepare a detailed inventory of belongings for customs, and prioritize shipping only essentials as customs duties (based on value) can be substantial.
4. Subscribe to international health insurance: Compare insurance policies covering local care and emergency medical evacuation. Subscribe at least 1 month before departure to benefit from immediate coverage upon arrival.
5. Manage finances: Inform your bank of your expatriation and verify conditions for using your bank card abroad (fees, limits). Open a local Anguilla bank account upon arrival to facilitate rent payments and daily expenses. Bring US dollars or East Caribbean Dollars in cash for the first days.
6. Anticipate children's schooling: Enroll children at school (Omololu International School or public institutions) several months in advance, especially for private schools with limited places. Gather report cards and vaccination certificates translated into English if necessary.
7. Plan vehicle arrangements: Research importing a personal vehicle (expensive and complex) or plan to rent/purchase a car locally upon arrival. An international driving permit may be temporarily useful, but you'll need to obtain a local Anguilla permit for long-term driving.
8. Sort and ship belongings: Drastically sort and bring only essentials. Bulky items (furniture) are often more economical to purchase locally than to ship. Prioritize personal effects, memorabilia, clothing suited to tropical climate, and electronic equipment (verify 110V voltage compatibility).
9. Cancel or suspend subscriptions: Close or transfer contracts (electricity, internet, phone) in your home country. Arrange forwarding of important mail through a contact or mail forwarding service.
10. Prepare psychologically: Research Anguillan culture, island lifestyle pace, and prepare for notable differences (limited supplies, fewer services than mainland, remoteness). Joining online expat groups before departure helps create an initial social network.

Upon island arrival

Once on site, begin by declaring your arrival to the Immigration Department if required by your status. Quickly activate essential services: electricity, water, internet (via local providers like Flow or Digicel). Open your local bank account bringing passport, address proof, and employer introduction letter if applicable. Familiarize yourself with nearby businesses (supermarkets Best Buy and Ashley and Sons), medical services, and routes to your workplace or children's school. Take time to explore the island, meet neighbors, and gradually immerse yourself in the local community. Adapting to island life generally takes several months; be patient and open-minded.

Anguilla offers exceptional living conditions for nature lovers, water sports enthusiasts, and relaxation seekers. Though the island is small, it overflows with varied activities enabling full enjoyment of its paradisiacal environment. From lounging on postcard-perfect beaches to underwater adventures and refined culinary scenes, every day can transform into a memorable experience.

Beaches and water activities

The 33 white-sand beaches constitute Anguilla's main attraction, each possessing unique character. Shoal Bay East, regularly ranked among the world's finest beaches, stretches over 2 miles with crystal-clear turquoise waters and lively beach bars. Meads Bay attracts tranquility seekers and gastronomy lovers through its renowned beachfront restaurants. Rendezvous Bay, a long peaceful beach, suits families with children thanks to shallow waters. Water sports are omnipresent: scuba diving on coral reefs and wrecks (with several certified dive centers like Anguillian Divers), snorkeling in protected bays, kayaking, stand-up paddleboarding, sailing, and kitesurfing when winds are favorable. Boat excursions to surrounding islets, notably Sandy Island and Prickly Pear Cays, offer unforgettable days of snorkeling and picnicking on deserted sand banks.

Dining and nightlife

Anguilla's culinary scene far exceeds expectations for an island this size. From star-rated gourmet restaurants to beach shacks serving freshly caught grilled fish, offerings satisfy all budgets and tastes. Roadside barbecue is a local institution, with stands offering spare ribs, jerk chicken, and lobster on weekends. High-end establishments like Blanchards, Veya, or Straw Hat present refined Caribbean-international fusion cuisine. Nightlife remains relaxed and focused on beach bars with live music, particularly lively on weekends. Full moon parties at Sandy Ground and beach reggae evenings create festive yet not excessive atmospheres, embodying Anguilla's characteristic island spirit.

Culture and events

Despite its small size, Anguilla possesses strong cultural identity, particularly in music. The annual Festival del Mar celebrates maritime culture with regattas, fishing competitions, and concerts. Anguilla Summer Festival in August marks the anniversary of Anguilla's revolution (1967) with colorful parades, calypso and soca concerts, and traditional boat races. Local art galleries exhibit works by Anguillan and Caribbean artists, evidencing a vibrant art scene. Moonsplash, a reggae music festival, attracts international artists and worldwide visitors each spring. These community events offer excellent opportunities to immerse yourself in local culture and meet residents and expats in convivial atmospheres.

Sports and nature

Beyond water activities, Anguilla offers quality golf courses, notably at CuisinArt Golf Resort & Spa, designed by Greg Norman, featuring 18 ocean-view holes. Hiking enthusiasts can explore scenic trails in Stoney Ground Village, admire volcanic geology, and observe bird fauna in protected areas. Tennis, beachfront yoga, and fitness are also practiced, with several resorts having sports facilities open to non-residents for a fee. Observing sea turtles during nesting season (April-October) constitutes an emotional experience, as does whale watching during winter when humpback whales migrate through Caribbean waters. Anguilla remains a preserved destination where nature occupies a central place and life's rhythm invites disconnection and contemplation.

Anguilla ranks among the Caribbean's most expensive destinations, with living costs significantly exceeding many Western countries. This expense is primarily explained by insularity and importation of virtually all consumer goods. However, the absence of income tax partially offsets these high expenditures for residents with comfortable incomes. Here's a realistic estimate of monthly expenses for different household profiles.

Monthly budget for single person

Living alone in Anguilla requires a substantial monthly budget, particularly if renting accommodation in sought-after areas. The table below details main expense categories for a moderate lifestyle:

Sources: Numbeo (May 2025), Global Citizen Solutions

Monthly budget for family of four

A family with two children must plan a significantly higher budget, notably due to school fees and more spacious housing. Here's a realistic estimate of monthly expenses:

Sources: Numbeo (May 2025), Anguilla Beaches

Specific expense categories

Certain categories warrant particular attention. Imported food products cost 30% to 50% more than in Europe or the United States, except local fish and seafood which remain affordable. A restaurant meal at a mid-range establishment costs USD 40-60 per person, drinks included. Car rental is essential (no public transportation) and runs approximately USD 1,200 to USD 1,800 monthly depending on model, including insurance and gas. Electricity represents a significant category due to near-constant air conditioning use and high rates (diesel generator production). Finally, leisure activities can quickly inflate budgets: boat excursions (USD 100-200), diving (USD 80-120 per outing), and fine dining restaurants (USD 150-300 for two).