Think About Moving to Cyprus [Cyprus Expat Guide]

By the time a country hits the news for being a retiree hot spot, it’s already too late to get in on the ground floor of deals and opportunities. Anyone willing to venture into the unknown by becoming a Cyprus expat would be in the trendsetter category.

Most people I talk to about Cyprus have never even heard of it, let alone know where it is. Cyprus is an island in the Mediterranean Sea. It is a member of the EU countries and uses the Euro as currency.

Currently, Cyprus feels like the best kept secret in Europe. Any American expat should be at least considering Cyprus as a possibility.

Skip to:

• Retire in Cyprus
• Family Life in Cyprus
• Pros & Cons of Living in Cyprus
• Best Areas of Cyprus for Americans
• Visa Options for US Citizens
• Cost of Living in Cyprus
• Life in Cyprus as an Expat
• Plan Your Move to Cyprus

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Why Americans Are Moving to Cyprus

You might be wondering why Americans are starting to look at Cyprus. One major reason is the affordable cost of living. Compared to the United States, expenses for housing, food, and utilities are often lower. This makes Cyprus an attractive destination for those planning a budget-friendly lifestyle.

The Mediterranean climate is another big draw. With over 300 sunny days a year, you can enjoy the outdoors and beautiful beaches almost any time. Whether you’re in the mood for a relaxing day on the sand or exploring nature, the good news is that Cyprus offers it all.

History and culture also make Cyprus stand out. The island is rich with ancient ruins and historical sites. If you’re interested in exploring a new country’s past and traditions, you’ll find plenty to discover. You can visit museums or join local festivals, making your life there truly connected with history.

Another reason for the move is the friendly local population. Cypriots are known for being welcoming and helpful, especially to foreigners. They make settling in much easier, and it’s possible to create strong connections in your new community.

If I were to guess, Cyprus will become a popular destination for American expats over the coming years. This Mediterranean island is waiting for the trendsetters to show Americans that immigrating is totally possible.

Who I Am & How I Can Help You Move Abroad

I’m Veronica, an American expat who left the grind behind and built a life of global freedom. If you’re ready to move abroad but feel stuck on where to go, how to qualify for a visa, or what to do next, I can help.

My Exit Plan Coaching Call is designed to give you a clear, step-by-step plan to make your move happen—whether you’re a digital nomad, retiree, or relocating with family. We’ll map out the best visa options, discuss affordable living, and create a strategy tailored to your financial situation and goals. 

Don’t let uncertainty hold you back—book your Exit Plan Call today and start your journey abroad with confidence. [Schedule your call here →]

Retirement In Cyprus

Thinking about retiring in Cyprus? You’ll find mild winters and warm summers. This island offers a slower pace of life, perfect for enjoying your golden years.

Many expats choose Cyprus for its low cost of living. Housing, healthcare, and daily expenses are lower than in other western European countries. This makes it easier to enjoy a comfortable lifestyle on a retirement budget.

The island is known for its beautiful rural areas. If you enjoy nature and a quiet life, these areas might be ideal. Living away from big cities can offer peace and tranquility.

The local culture is welcoming. Expats often find it easy to connect with locals and other retirees. This creates a friendly community atmosphere, whether in urban centers or rural retreats. Exploring the Mediterranean lifestyle can bring joy and fulfillment in retirement.

Retiring as a Cyprus expat opens doors to numerous adventures. From sunny beaches to ancient ruins, there is always something to discover. So, pack your bags and enjoy your retirement in this beautiful island nation.

Cyprus For Families

Cyprus is a warm and inviting place for families. It’s a Mediterranean island known for its beautiful beaches and rich history. As a Cyprus expat, you and your family can discover ancient sites and enjoy the stunning Mediterranean Sea.

Education is a priority in Cyprus. There are public schools and international schools like the American International School of Cyprus. State schools are also available and help you learn about Cypriot culture.

Your family will enjoy many outdoor activities. You can explore archaeological sites and UNESCO World Heritage Sites. Cultural events are common here, fostering friendships with locals.

The local community is welcoming and friendly. Meeting Greek Cypriots can enrich your experience. Making Cypriot friends adds warmth to your daily life. The third largest island in the Mediterranean is also home to many exciting historical sites.

Cyprus offers a great balance of modern living and natural beauty, making it an ideal place for you and your family to create lasting memories. Your family members will appreciate the safety and community feeling present in many towns and cities.

Pros of Moving to Cyprus

Cyprus is a tax haven with financial benefits for permanent residents and expats. The country offers a low personal income tax rate and incentives for retirees and business owners. Many American expats choose Cyprus for its strategic location between Western European countries and the Middle East.

The island of Cyprus has a high standard of living with affordable housing and healthcare. It is one of the safest countries in Europe, with a low crime rate and a welcoming local community. The weather is another perk, with mild winters and warm summers, perfect for those who love outdoor activities.

Living in Cyprus means easy access to UNESCO World Heritage Sites, historical sites, and stunning beaches. International airports, including Paphos International Airport, make traveling easy for expats returning to their home country.

Cons of Moving to Cyprus

One challenge of being a Cyprus expat is adjusting to the slower pace of life. Bureaucratic processes can take time, especially for those applying for permanent residence or setting up a business. The local public healthcare system is decent but often lacks the efficiency of private healthcare.

The island’s division between Greek Cypriots and Turkish Cypriots can create political tension. Expats need to understand the Green Line and how it affects movement across the small island. Some local history is complex, and newcomers may find navigating the cultural differences challenging.

Another downside is the limited job market for non-EU citizens. Americans without passive income may struggle to find employment. Additionally, Cyprus faces water scarcity, which can impact daily life, especially during the summer months.

Best Cities in Cyprus for Expats

Cyprus is a fantastic destination for expats. Its warm climate and welcoming atmosphere are amazing. The island offers a mix of historical sites and modern amenities. You’ll find something to suit your lifestyle here.

Nicosia, the capital city, is a vibrant hub. Despite having no beach, it’s central and bustling. The area of Aglantzia is a great place to live.

Paphos is another standout choice and is known for its rich history. It’s perfect for those interested in culture. Tourists and expats alike love this city, with its archaeological sites and cozy vibe.

If you prefer coastal cities, consider Limassol. Located on the southern coast, it’s a cosmopolitan spot. There’s a lively nightlife and plenty of shopping options.

Larnaca offers a mix of relaxed living and accessibility. As a city with an international airport, traveling is easy. It has a lovely seaside promenade and is great for digital nomads.

For a lively tourism industry, Ayia Napa is well-known. It’s famous for its beaches and energetic nightlife. While more seasonal, it’s buzzing in the summer.

Living in Cyprus means balancing work and leisure. The cost of living includes affordable options. Renting a one-bedroom apartment won’t break the bank. Enjoy a high standard of life in one of the island’s main cities, each offering its unique charm.

If you’re considering becoming a Cyprus expat, explore the island and find your perfect spot!

Americans Moving To Cyprus

Americans immigrating to Cyprus is still relatively new. By and large, it seems that most foreigners living in Cyprus are British, Romanian, and Russian. Many Americans living in Cyprus claim to only encounter a handful of other Americans over the course of an entire year, so the estimated number of American expats is low.

Visa Options for American Expats in Cyprus

As an American moving to Cyprus, you’ll need the right visa to stay long-term. If you’re planning to stay over 90 days, applying for a residence permit is essential. 

Cyprus launched a very limited digital nomad program in 2021 allowing 100 people to be granted visas. In 2022 they expanded the program to allow for 500 digital nomad visas. As of the time of publication, the maximum number of digital nomads had been reached and no public announcement of expanding the program has been made.

For my clients, this means there is only really one path to residency in Cyprus. A category F visa is suitable for both retirees and anyone with a passive income source. A category F visa costs €500, which includes everyone on the application. One of the best parts about the Cyprus visa is that it is valid indefinitely, it is only the residence card that needs to be renewed after ten years time.

The income requirement for a Cyprus category F visa is €9,568 per year and an additional €4,613 per dependent. An individual person can move to Cyprus with passive income or retirement income exceeding €798 per month!

[For a family of four, the passive income requirement would equal €23,407 or in other words €1,951 per month.]

Expat retirees or families with stable income sources, like pensions, investments, or rental property, can qualify for this permanent residency. Being a permanent resident gives you access to local amenities and services.

Cost of Living in Cyprus

Understanding the cost of living is crucial to planning your new life. Just because you can qualify for the visa to live in Cyprus does not mean that amount of money will afford you the kind of lifestyle you would desire.

In terms of a Westernized standard, it’s feasible to live comfortably with an income of around $2,000 to $3,500 per month. Costs might vary between cities like Nicosia and coastal areas such as Limassol.

Groceries, transportation, and healthcare are generally affordable. However, if you’re an expat, be aware that some expenses like imported goods can be higher. 

Additionally, Cyprus offers tax advantages for foreign residents, which could impact your personal income tax situation positively. International laws about who is and isn’t a tax resident are constantly being updated in this modern global society. Keep an eye on changes so you stay compliant as a Cyprus expat.

Real Estate and Renting in Cyprus

Exploring real estate options in Cyprus is an exciting task for any Cyprus expat. The property market has a wide range of options from villas to modern apartments. Coastal communities are popular among expatriates.

When renting, initial costs include potentially a security deposit and the first month’s rent. If buying property appeals to you, look for local advice, especially regarding capital gains tax policies and tax residency status. Areas near airports, such as Larnaca International Airport, are convenient if you travel frequently.

Avoid the urge to believe you know more about real estate than you do as a foreigner. Despite what you may think, global trends don’t exist. Find a Cyprus real estate professional to guide you so that you avoid bad financial decisions.

Everyday Life as an Expat in Cyprus

Daily life in Cyprus offers a mix of tradition and modernity. Most people speak English, making it easier to integrate. The Mediterranean climate means mild winters and hot summers, perfect for outdoor activities.

Business opportunities exist, especially influenced by Cyprus’s standing as part of the EU. Engaging in local activities and exploring island treasures enhances the expat experience. Setting up a local bank account is recommended for everyday transactions, keeping in mind any potential banking requirements for foreign residents.

Locals in Cyprus wish the tourism board would promote the history of the island instead of just the beaches. Ten monuments and two archaeological sites are considered a Unesco world Heritage Site in Cyprus. Before you settle into your daily life, be a tourist in your own backyard by visiting these historically significant places.

Access to Healthcare in Cyprus

As a Cyprus expat, you have access to both public and private healthcare systems. The public healthcare system is funded by taxes and offers services to residents, including expats who have contributed to social insurance. Public hospitals and clinics are spread across the island, providing a range of services.

Private healthcare in Cyprus is also highly regarded. Many expats choose this option for quicker access to specialists and shorter wait times. Private hospitals and clinics often have modern facilities and English-speaking staff, enhancing the patient experience.

For expats, registration is key. You need to register as a resident to qualify for public healthcare. Staying in Cyprus for three months or more generally makes you a resident. Once registered, you can benefit from a well-organized healthcare system either publicly or privately, depending on your preference.

It’s essential to consider health insurance. Having private health insurance can make accessing private healthcare more affordable and convenient. This is especially important if you prefer private services or require specific treatments not covered by public options.

Both public and private healthcare in Cyprus provide high-quality healthcare services. The decision between these options often depends on your personal needs and priorities.

Safety in Cyprus

For an expat, Cyprus is considered a welcoming and secure place to live. The island is often listed among the safest countries due to its low crime rate. Street crime is rare, offering peace of mind for residents and visitors alike.

You can feel safe exploring beyond the tourist spots. Public spaces are usually secure, and there’s a strong sense of community.

The police presence is visible, with a high ratio of officers to citizens. This helps maintain order and keeps theft rates low. Walking alone at night is generally safe, but like anywhere, it’s wise to stay cautious.

As a Cyprus expat, understanding emergency services is important. Learn local emergency numbers and know where the nearest assistance is available. This connection to local services enhances the feeling of safety.

Living in Cyprus offers safety that is hard to match. It’s a great choice if you value a peaceful lifestyle. Communities are tight-knit, making it easier to settle in. Enjoy the relaxed Mediterranean life with confidence.

Challenges of Living in Cyprus

Living as an expat in Cyprus can be exciting, but there are some challenges you might face. Language barriers can be tricky at first. Though English is widely spoken, many locals speak Greek, especially in the southern part known as the Republic of Cyprus. You might find it useful to learn some basic Greek phrases to get by.

Political tension is another aspect to consider. Cyprus is divided into two main areas: the Republic of Cyprus and Northern Cyprus. The Green Line is the UN buffer zone that separates the north from the south. It’s important to understand this division as it can affect your daily life and travel plans.

Water scarcity is a known issue in Cyprus. With dry summers, it’s crucial to be mindful of water usage. Conservation efforts are encouraged to ensure sustainable living on the island.

Job opportunities are limited, especially if you don’t speak Greek. Certain companies prefer to hire locals who are fluent in the language. This may be a consideration if you’re seeking employment in Cyprus.

Anyone arriving on the category F visa I explained above is not legally allowed to seek employment, so keep that in mind as it is a condition of your residency not to work.

Adapting to the slow pace of life could be challenging if you’re used to a fast-paced environment. While relaxing for some, it takes time to adjust. It’s important to balance your expectations with reality.

Understanding these challenges can make your life as a Cyprus expat smoother and more enjoyable. Engage with local communities and embrace the lifestyle for a fulfilling experience.

How to Move to Cyprus from the U.S.

I honestly think Cyprus is one of the best places for Americans to seek solace during these dark times in the United States. Applying for the category F visa is easy but the processing time is longer than many other countries.

​After submitting your documents you can expect to wait up to one year to be granted your permanent visa. 

Hiring an expert to ensure your documents are in order is strongly encouraged. It would be a huge setback to finally have a government worker reviewing your documents only to see that you have submitted an incomplete packet.

Remember, visa requirements are not difficult they are just specific. Ensuring you have the right paperwork is key to becoming a happy Cyprus expat.

Exploring the culture and lifestyle of this beautiful Western European country is a rewarding experience. Get ready for sun-soaked days and friendly neighbors in your new home!

Is Moving to Cyprus a Good Idea?

Moving to Cyprus can be a great choice, depending on your lifestyle and goals. Many North America retirees and third-country nationals settle in Cyprus for its tax advantages and relaxed Mediterranean lifestyle. The Republic of Cyprus also offers excellent opportunities for retirees and families.

For those looking for a balance between modern amenities and local history, Cyprus delivers. The University of Cyprus attracts international students and can assist in obtaining a student visa. Being a member of the European Union also provides benefits for residents.

However, Cyprus isn’t for everyone. If you prefer fast-paced living, major cities, or need a strong local job market, it may not be ideal. But if you want a beautiful island with a warm climate, a low cost of living, and easy access to international airports, Cyprus is worth considering.

FAQ: Becoming a Cyprus Expat