There are a few options for getting around the Cayman Islands, including buses, taxis, and private cars. The islands are home to two international airports.

You’ll find that the roads are in good condition and that navigating the islands is relatively simple. Traffic drives on the left-hand side, and the easiest way to travel is by car.

Public transport in the Cayman Islands

Public transport in the Cayman Islands is currently under review, with the government considering improvements, including a national bus system and 24-hour service. While these changes may take years to implement, the existing bus network meets most of the needs of most residents and visitors.

Buses

On Grand Cayman, a minibus system connects all the districts of the island. While there are some bus stops along major routes, you can flag down a bus at any stage. Just alert the driver when you need to get off. The buses look more like shuttles rather than the traditional city buses you may be used to.

Buses generally operate from 6am to 11pm from Mondays to Thursdays, with extended hours on Fridays and Saturdays. A limited service runs on Sundays. Routes are colour-coded according to frequency, and arrival times vary from once every four minutes (yellow) to once every half hour (bright blue). Service reliability can vary, particularly in areas like East End, where some drivers do not always complete their routes.

Useful links

• Public Transport Unit

Taxis in the Cayman Islands

Taxis are available throughout the islands. Keep in mind that taxis operate according to standard fares set by the government. It’s recommended that you confirm the fare before getting into the taxi. Most taxis only accept cash, although some drivers accept credit or debit cards – however, this is not guaranteed.

Currently, there are no ride-hailing apps like Uber or Lyft in the Cayman Islands.

Useful links

• CI:GO app

Driving in the Cayman Islands

Driving in the Cayman Islands is a convenient way to get around, but there are specific requirements and regulations you should be aware of, especially when obtaining or converting a driving licence.

Traffic moves on the left-hand side, and road conditions are generally good. However, roundabouts and congested areas, particularly in George Town, can pose challenges for new drivers. Speed limits are strictly enforced.

Driver’s licences

If you’re a legal resident of the Cayman Islands, you’ll need to obtain a local licence. The process varies depending on where your original driving licence was obtained.

If you hold a valid foreign licence from a Convention country (e.g., the US, Canada, UK, and most of Europe), you may drive in Cayman for six months before converting your licence. To convert it, you must pass the written theory test and submit your foreign licence and identification at the Department of Vehicle & Drivers’ Licensing (DVDL). If you fail to complete this within six months, both theory and practical driving tests will be required.

If you're from a non-Convention country, you can drive with your foreign licence for one month. After this, you must pass both the theory test and the practical driving test before obtaining a Caymanian licence.

As of 2024, all new drivers must pass a theory test before obtaining a licence, regardless of prior experience abroad. The test consists of 40 multiple-choice questions, requiring 80 percent correct to pass. Once passed, you’ll receive a learner’s licence valid for six months, allowing supervised driving. After four weeks, you can take the practical driving test to obtain a full Caymanian driving licence.

Caymanian driving licences are valid for three, five, or ten years.

Useful links

• Department of Vehicles and Drivers’ Licensing.

Cycling in the Cayman Islands

The well-maintained roads and naturally flat terrain make cycling around the Cayman Islands fairly easy, but there are some safety concerns due to the lack of dedicated cycling infrastructure.

While helmets are required by law, enforcement is inconsistent. Reflective gear and lights are mandatory if you plan to cycle at night. Safety campaigns are increasing awareness among drivers, but main roads remain a risk for cyclists due to traffic congestion.

There are currently no dedicated cycling lanes across most of the islands. Some residential areas and tourist hotspots feature bike-friendly paths, but these are mainly for leisure rather than commuting.

Cycling is more popular among tourists than residents, with rental bikes widely available in areas like George Town and Seven Mile Beach. Few locals use bicycles for daily transport due to limited infrastructure and the hot climate.

Air travel in the Cayman Islands

Air travel in the Cayman Islands is well-developed, with two international airports connecting the islands to major global destinations. Whether you’re flying in for business or leisure, you’ll most likely arrive at one of these hubs.

The main gateway is Owen Roberts International Airport (GCM) on Grand Cayman. This airport handles most international flights and is currently undergoing expansion to accommodate long-haul routes. Charles Kirkconnell International Airport (CYB), located on Cayman Brac, primarily serves interisland flights and a handful of regional international connections.

Interisland travel is mainly serviced by Cayman Airways and its subsidiary, Cayman Airways Express, which provides daily flights between Grand Cayman, Cayman Brac, and Little Cayman. These flights are frequent, although availability may fluctuate during peak travel seasons.

Useful links

• Cayman Islands Airports Authority
• Cayman Airways

Managing your finances in the Cayman Islands is straightforward, thanks to the country’s well-regulated banking system and welcoming tax environment. With no personal income tax, it’s a fantastic place to not just earn but also save. Just keep in mind the residency requirements, banking regulations, and international tax obligations to navigate smoothly.

The Cayman Islands is famous for its offshore banking, financial security and transparency. Most transactions happen in US dollars (USD) and Cayman Islands dollars (KYD), making currency exchange a piece of cake.

Banking in the Cayman Islands is efficient and accessible, ensuring that you can manage your money with ease.

Money in the Cayman Islands

The official currency is the Cayman Islands Dollar (KYD), divided into 100 cents. It is commonly abbreviated as CI$ before the amount. The KYD is permanently fixed at an exchange rate of 1 KYD to 1.20 USD.

• Notes: KYD 1, KYD 5, KYD 10, KYD 25, KYD 50, and KYD 100
• Coins: 1 cent, 5 cents, 10 cents, and 25 cents

Useful links

• Cayman Islands Monetary Authority

Banking in the Cayman Islands

The Cayman Islands boasts a world-class banking system, hosting a mix of local and multinational banks. With its strong regulatory framework and no direct personal income tax, managing your finances here is efficient and accessible.

Local banks include Cayman National Bank, Fidelity Bank, Butterfield Bank, and CIBC FirstCaribbean. Several multinational banks also operate in the region, including RBC Royal Bank and Scotiabank & Trust. HSBC and Deutsche Bank also operate here, but offer corporate services only.

Opening a bank account

Opening a bank account in the Cayman Islands requires numerous key documents. You must provide your passport, proof of residence, and, if moving for work, an official letter of employment detailing your salary, position, and start date.

A prior banking history – such as old statements or a reference letter – can streamline the process. Banks also require an initial deposit, which varies by institution. Due diligence is conducted rigorously to ensure adherence to global anti-money laundering regulations.

ATMs and credit cards

ATMs are widely available throughout the islands, particularly in Grand Cayman. Some ATMs dispense both KYD and USD, but withdrawals in USD often come with an additional foreign exchange fee of 2 to 3 percent. US dollars are also accepted in most establishments, although change is typically given in KYD.

Taxes in the Cayman Islands

The Cayman Islands is a tax-neutral jurisdiction, meaning there are no taxes on income, property, or capital gains. This characteristic makes it an attractive location for individuals and businesses seeking financial efficiency. However, it is important to note that high import duties, which range from 22 to 27 percent, drive up the cost of living.

While you won’t pay taxes locally, you may still be liable for taxation in your home country. It is critical to consult a tax specialist to ensure compliance with foreign tax obligations. US citizens, for instance, must report Cayman-based accounts under FATCA regulations.

Access to healthcare in the Cayman Islands is generally excellent, offering a wide range of medical services, including hospitals, clinics, specialist doctors, and general practitioners. Most medical facilities are in Grand Cayman, but all three islands have health centres.

Cayman Islands hospitals are known for their advanced medical technology and high standards of care. However, medical treatment can be expensive, and health insurance is mandatory for all residents.

Public healthcare in the Cayman Islands

Public healthcare in the Cayman Islands is overseen by the Cayman Islands Health Services Authority (HSA). If you’re a legal resident, you have access to public healthcare but must have a valid health insurance plan. Employers typically provide coverage, but you can also arrange it privately.

While public healthcare meets high standards, specialist care usually requires referrals, and waiting times can be long. Public hospitals are well maintained but may not offer the same level of comfort and advanced treatments as private hospitals. The government is working to expand mental health services and improve specialist access, but demand often outpaces availability.

Private healthcare in the Cayman Islands

Many residents prefer private healthcare in the Cayman Islands for its efficiency and direct access to specialists. Private hospitals and clinics offer a broad range of services, including cardiology, dermatology, orthopaedics, and cosmetic treatments.

Private care comes with shorter wait times and a more personalised experience, but it comes at a cost. Most residents take out comprehensive private insurance to cover specialist consultations, elective procedures, and emergency care. Without insurance, private medical services can be expensive.

Health insurance in the Cayman Islands

Health insurance in the Cayman Islands is mandatory for all residents, including expats. The country was among the first to introduce a universal health insurance policy, ensuring everyone has access to basic healthcare services.

If you are working in the Cayman Islands, your employer must enrol you in a Standard Health Insurance Contract (SHIC) from your first day of employment. Employers are required by law to cover at least half of the cost. If you’re self-employed, you’ll have to arrange your own health insurance with an approved provider and bear the full cost.

The SHIC covers general practitioner visits, specialist care (with referrals), hospitalisation, emergency medical services, maternity care, and essential prescription medications. Many residents opt for private insurance plans to access enhanced coverage, faster specialist appointments, and additional benefits like dental and vision care.

Common exclusions in health insurance policies include elective cosmetic procedures, alternative therapies, some mental health treatments, and experimental medical procedures. Understand exactly what your plan does and does not cover before committing.

Useful links

• Cayman Islands Insurance Association (CIIA).

Pharmacies and medicine in the Cayman Islands

Pharmacies in the Cayman Islands are easy to find and generally well-stocked. Pharmacists can provide guidance on minor ailments and injuries. Most pharmacies operate between 8am and 6pm, Monday to Saturday, with some extending hours or opening on Sundays. The symbol for pharmacies in the Cayman Islands is the green cross, similar to the UK and Europe.

Prescription medications require a doctor’s prescription and are typically covered under health insurance plans, subject to co-payments. Medications requiring prescriptions in the Cayman Islands but available over the counter in the US/UK include codeine-based painkillers, pseudoephedrine-based decongestants, and certain antibiotics. Some medications available over the counter in the Cayman Islands but requiring prescriptions in the US/UK include low-dose antibiotics, certain antifungal medications, and some steroids for skin conditions.

There are strict rules regarding the importation of personal medication. You can bring up to a 30-day supply, but it must be in its original packaging with a doctor’s prescription. Certain controlled substances require pre-approval from the Cayman Islands Pharmacy Board.

Health hazards in the Cayman Islands

The tropical climate of the Cayman Islands presents several health risks that you should be aware of. While the islands maintain high healthcare standards, preventive measures can help you stay safe and healthy.

Mosquito-borne diseases such as dengue and chikungunya have been reported in recent years. While Zika virus cases are rare, it is still advisable to take precautions. The government actively controls mosquito populations through aerial spraying and genetically modified mosquito programs.

Heat-related illnesses, including heat exhaustion and dehydration, are common due to high temperatures and humidity. Staying hydrated, wearing light clothing, and using sunscreen can help mitigate these risks.

Vaccinations for the Cayman Islands

Before travelling to or residing in the Cayman Islands, you should ensure your vaccinations are up to date. The Cayman Islands follows WHO and CDC guidelines but also recommends hepatitis A & B for long-term residents and healthcare workers, typhoid for those travelling to rural areas, and tetanus/diphtheria boosters every 10 years.

Covid-19 vaccinations are no longer required for entry into the Cayman Islands but are recommended for vulnerable individuals.

Emergency services in the Cayman Islands

Emergency services in the Cayman Islands are reliable, with ambulances available across Grand Cayman and Cayman Brac. You can call emergency services by dialling 911.

On Grand Cayman, response times in urban areas are typically 10 to 15 minutes. However, on Cayman Brac and Little Cayman, emergency services are more limited, and serious cases may require transport to larger medical facilities.

Expats are typically directed to George Town Hospital (public), Doctors Hospital (private), and Health City Cayman Islands (private, specialises in advanced care).

For severe medical emergencies, air evacuations to Miami or Jamaica may be necessary. Medical evacuations typically go to hospitals such as Jackson Memorial, Baptist Health, and Cleveland Clinic (Miami), as well as University Hospital of the West Indies (Jamaica). Air ambulances work with local insurance providers to facilitate evacuation based on policy coverage.

Despite the island’s laid-back atmosphere, workplaces in the Cayman Islands uphold formal business standards, especially in regulated industries like finance, law, and healthcare.

The islands boast a stable economy with a high GDP per capita, attracting globally mobile professionals seeking career growth in a tax-friendly environment. While securing a work permit requires employer sponsorship, skilled foreign professionals remain in demand, especially in high-level finance and legal roles.

Job market in the Cayman Islands

The job market in the Cayman Islands is thriving, with finance and legal services at its core. Many global firms operate here, and it’s a hotspot for professionals with expertise in investments, compliance, and risk management.

Healthcare professionals, particularly specialists and experienced nurses, are in high demand. The growing expat population has increased the need for top-tier medical services, and there’s consistent recruitment of international healthcare talent.

The tourism and hospitality sector has rebounded strongly since the pandemic. While hiring is now more selective, experienced candidates in hotel management, luxury tourism, and fine dining still have promising prospects. 

There are some construction management roles available, although the industry has seen some slowdown due to regulatory changes and rising material costs.

Teaching remains a viable career path, especially for educators specialising in STEM subjects, special education, and English as a second language (ESL). Schools actively recruit from the UK, US, and Canada especially.

Finding a job in the Cayman Islands

If you are job hunting in the Cayman Islands, a local recruitment agency is often the best place to start. Many employers work directly with recruitment firms to fill roles, especially in finance, law, healthcare, and IT. Securing a work permit is essential, as employers must prove there are no qualified Caymanians available before hiring a foreign professional.

You can also register as a jobseeker on JobsCayman, the government’s official job portal, where all vacancies must be listed before an employer can recruit a non-resident. Many professionals also find opportunities through LinkedIn, industry-specific networking, and direct applications to companies.

Work permits are issued through Workforce Opportunities and Residency Cayman (WORC), and processing times vary. A Temporary Work Permit (TWP) can be approved in as little as five business days, while a Full Work Permit (FWP) may take several weeks. Employers typically handle the application process.

Useful links

• JobsCayman
• Affinity Recruitment
• SteppingStones Recruitment
• CML Offshore Recruitment

Work culture in the Cayman Islands

Work culture in the Cayman Islands is professional and structured, although the island’s relaxed lifestyle influences work-life balance. Life on the islands may feel easygoing, but workplaces maintain a structured and often formal environment, particularly in finance, law, and healthcare.

The business culture is hierarchical, but professionals are encouraged to contribute ideas, particularly in team-driven industries. Punctuality is expected, and responsiveness – whether in meetings or emails – reflects well on your professionalism.

Hybrid work is gaining traction in industries like finance and technology, but client-facing sectors such as law, hospitality, and healthcare still prioritise in-person interaction.

Workplace expectations vary by industry. Professionals in the finance and legal sectors typically follow a formal dress code with tailored suits. If you work in tourism, technology, or the creative industry, you will probably enjoy more casual and stylish attire that reflects your personal branding.

Read more: Business Culture in the Cayman Islands

Doing business in the Cayman Islands means enjoying a relaxed island lifestyle alongside a highly professional financial sector. As a British Crown Colony, the islands benefit from a stable legal system that appeals to entrepreneurs and international corporations.

You should be prepared for a formal yet courteous business environment where respect for hierarchy and cultural awareness are essential. Respect for authority and those in senior positions is vital when doing business in the Cayman Islands. Local business professionals value politeness, discretion, and professional courtesy.

Fast facts

Business hours

Standard office hours are 8.30am to 5pm, Monday to Friday, although some industries vary.

Business language

English is the official and primary business language. Spanish and Portuguese can be useful due to the diverse expat community.

Dress code

Business attire varies depending on the industry and company type. In local firms, business casual is more common, with men wearing dress shirts and trousers (frequently without a tie) and women in blouses with skirts or dress pants.

In international firms, more formal attire is expected, especially in finance and law. Men typically wear suits and ties, while women wear business suits.

When meeting senior officials, bank executives, or attending corporate events, opt for formal business attire.

Gift-giving

Gifts are not a common part of business culture. If you choose to give a gift, keep it modest.

Gender equality

While gender equality is protected by law, women still face challenges in achieving leadership positions.

Business culture in the Cayman Islands

The Cayman Islands has a professional yet relationship-driven business culture, where hierarchy and respect for seniority play a significant role. While decision-making tends to be top-down in local firms, multinational companies often encourage a more collaborative approach. Building trust is essential, and long-term relationships hold great value in the local business community.

Greetings

A firm handshake is the standard business greeting. Address people by their title and surname unless invited to use first names. Business cards are commonly exchanged, typically at the beginning or end of a meeting. It is considered polite to take a moment to look at a business card before putting it away.

Communication

Business communication is generally direct, especially in finance and law, but always polite and professional. Confrontation is avoided, and disagreements are typically resolved through diplomacy. In service industries, communication pairs directness with a warm, customer-friendly approach.

Decision-making

Business structures are typically hierarchical, with senior executives making key decisions. In local firms and government, decision-making is centralised, while international companies operating in Cayman tend to adopt a mix of structured leadership and collaborative input from employees.

Meetings and punctuality

Meetings in the Cayman Islands are typically formal but friendly. An agenda is usually followed, and punctuality is valued – arriving late may be seen as unprofessional. A bit of small talk is common at the start of meetings as a way to build rapport, but meetings generally move efficiently towards business discussions.

Business networking and expat relationships

Expats comprise over half of the Cayman Islands’ workforce, particularly in finance, law, and hospitality. Networking is a key part of doing business, and many professional gatherings, industry conferences, and social events offer opportunities to build connections.

Dos and don’ts of business in the Cayman Islands

• Do be punctual. Arriving on time is expected and shows professionalism.
• Do use formal greetings, and address people as Mr/Ms/Dr unless invited to use their first name
• Don’t be overly aggressive in negotiations. Business culture values politeness and diplomacy.
• Do respect hierarchy. Deference to senior executives and decision makers is customary.
• Do engage in small talk before meetings, covering safe topics like local events, the weather, and sports
• Don’t rush decisions. Relationship-building and trust are key before closing a deal.

International schools in the Cayman Islands offer high academic standards, world-class facilities, and a seamless transition for students coming from overseas. Most schools follow globally recognised curricula such as the International Baccalaureate (IB), British, or American systems. If you’re relocating to the Cayman Islands with your family, finding the right school is a top priority. 

The Cayman Islands Office of Education Standards (OES) regularly inspects all schools, including private and international institutions. These evaluations help parents gauge the quality of education offered.

You can check the latest reports on the official OES website.

Below, you’ll find details on some of the top international schools in the Cayman Islands.

International Schools in the Cayman Islands

Cayman International School

Cayman International School (CIS) is rated ‘excellent’ by the OES and is a highly regarded private school offering a lively and inclusive learning environment. With nearly 1,000 students, CIS provides a rigorous academic programme complemented by a diverse range of extracurricular activities in sports, performing arts, and STEM. The school fosters a strong sense of community, and dedicated counsellors support students as they settle into island life.

Gender: Co-educational 
Curriculum: International Baccalaureate and American 
Ages: 2 to 18
Website: www.caymaninternationalschool.org

Cayman Prep and High School

Cayman Prep and High School is one of the largest and longest-established private schools in the Cayman Islands. Known for its structured learning environment and strong pastoral care, the school has been a pillar of academic excellence for over 70 years. Students benefit from a wide variety of extracurricular activities, including competitive sports and community engagement programmes. With high demand for places, applications should be submitted well in advance.

Gender: Co-educational 
Curriculum: British (English National Curriculum, Cambridge IGCSE, and A-Levels)
Ages: 3 to 18
Website: www.cayprep.edu.ky

St Ignatius Catholic School

St Ignatius Catholic School is a well-regarded institution with a strong Catholic ethos and a commitment to academic excellence. It recently achieved an ‘excellent’ rating in its OES inspection, reinforcing its reputation as a top-tier school in the Cayman Islands. The school places a strong emphasis on character development, extracurricular involvement, and faith-based education, offering students a supportive and well-rounded learning environment.

Gender: Co-educational 
Curriculum: British (English National Curriculum, Cambridge IGCSE, and A-Levels) 
Ages: 3 to 18
Website: www.st-ignatius.com

Located between North and South America in the Caribbean Sea, the Cayman Islands is a tropical paradise and an overseas territory of the United Kingdom. It has become an increasingly attractive destination for globally mobile professionals and entrepreneurs seeking a high standard of living.

With almost twice as many companies as people and a reputation as a leading offshore financial hub, the Cayman Islands offers an enviable lifestyle – provided you can afford it.

Living in the Cayman Islands as an expat

Living in the Cayman Islands means choosing from three distinct islands: Grand Cayman, Cayman Brac, and Little Cayman. Each has its own appeal. Grand Cayman is known for its world-class beach resorts and incredible scuba diving and snorkelling sites. Cayman Brac attracts deep-sea fishing enthusiasts, particularly those looking for tuna, marlin, and barracuda. Little Cayman, the smallest of the three, is famous for its diverse wildlife.

A significant portion of the Cayman Islands’ population consists of foreign nationals. The largest expat groups come from Jamaica, the United Kingdom, the United States, Canada, and Honduras. While foreign property ownership is unrestricted, real estate prices are rising, and regulatory scrutiny around offshore ownership structures is increasing.

The Cayman Islands Dollar (KYD) is the official currency and is tied to the US Dollar. The country’s economy is driven by two key sectors: finance and tourism. The capital, George Town, remains the heart of both industries.

Getting around is easy, with well-developed transport options available across the islands.

Public Transport and Driving in the Cayman Islands

Cost of living in the Cayman Islands

Housing in the Cayman Islands is one of your biggest expenses. Popular expat areas like Seven Mile Beach and George Town command premium rental prices and availability can be limited.

Despite the tax-free earnings policy, high import duties on goods – ranging from 22 to 27 percent – drive up the cost of daily essentials. Since the Cayman Islands import most goods, this significantly impacts the price of groceries, fuel, and utilities.

If you want to cut costs, consider shopping locally when possible, carpooling, and living outside high-demand tourist areas.

Renting Accommodation in the Cayman Islands 
Cost of Living in the Cayman Islands

Expat families and children in the Cayman Islands

Raising a family in the Cayman Islands means access to excellent education options. While public schools are free for Caymanian children, private and international schools are preferred by many expat families. These schools follow internationally recognised curricula, such as British, IB, and American systems, and often offer smaller class sizes with modern facilities.

Recent reports indicate that public schools still face challenges in mathematics proficiency, so many expat parents lean towards private education for academic consistency and extracurricular variety.

You’ll also have access to high-quality healthcare, with well-trained professionals and state-of-the-art medical facilities. All legal residents and work permit holders must have health insurance through their employer or a private provider.

Education in the Cayman Islands 
International Schools in the Cayman Islands 
Healthcare and Health Insurance in the Cayman Islands

Climate in the Cayman Islands

The weather in the Cayman Islands is tropical, with distinct dry and wet seasons. Hurricanes and heavy rains are common between June and November, so staying informed on storm warnings and preparedness measures is essential.

Weather in the Cayman Islands

Despite occasional extreme weather, the region remains one of the most sought-after destinations in the Caribbean, offering a relaxed lifestyle, endless outdoor activities, and stunning natural beauty.

Fast facts

Population: About 73,000

Capital city: George Town

Neighbouring countries: The Cayman Islands is in the Greater Antilles, which comprises countries such as Cuba, Jamaica, Puerto Rico and the Dominican Republic.

Geography: The Cayman Islands are in the western Caribbean Sea, and the islands are the peaks of a massive underwater ridge known as the Cayman Ridge (or Cayman Rise). The Cayman Islands consists of three islands: Grand Cayman, Cayman Brac and Little Cayman.

Political system: British Overseas Territory

Major religions: Christianity

Main languages: English

Money: The Cayman Islands Dollar (KYD) is divided into 100 cents. KYD 1 is pegged to USD 1.20, which is also widely accepted. ATMs are available in Grand Cayman and Little Cayman but are concentrated in George Town.

Tipping: Most restaurants and hotels automatically add a 10 to 15 percent service charge to the bill; otherwise, a gratuity of the same amount is expected. At hotels, a 10 percent government tax is also usually added to the cost of your room. Taxi drivers expect a 10 to 15 percent tip as well.

Time: GMT-5 (EST)

Electricity: 110V, 60Hz. American-style two-pin plugs are standard.

Internet domain: .ky

International dialling code: +1 (345)

Emergency contacts: 911

Transport and driving: Drive on the left-hand side. Cars can be hired by over-21s. Public transport on Grand Cayman includes taxis, limousines and minibuses, which travel through all the main districts. Cayman Airways provides air transfers between islands, and the only interisland boat charter is through private hire.

The Cayman Islands enjoy a tropical marine climate, offering warm weather year-round. With an average annual temperature of 81°F (27°C), you can expect balmy days and sultry nights, whether you’re here for work or play. Summers often bring highs above 90°F (32°C), and recent climate trends suggest a gradual warming. Even at night, temperatures rarely dip below 70°F (25°C).

There are two distinct seasons: dry and wet. The dry season, from November to April, delivers sunshine, gentler humidity, and a welcome breeze – ideal conditions for outdoor activities. It’s the most popular time to visit or relocate, but don’t be fooled: the sun can still be relentless. Stay hydrated, seek shade, and wear breathable clothing to beat the heat.

The wet season, from May to October, sees heavier rainfall, peaking between June and October. Thunderstorms are common, and the humidity soars. Annual rainfall averages between 47 and 59 inches (1,200mm to 1,500mm), with the rainiest months sometimes exceeding 8 inches (200mm). Despite the occasional downpour, life goes on – expect short, intense bursts of rain rather than all-day drizzles.

Coastal areas tend to be breezier, while inland spots with dense vegetation are slightly cooler and more humid. The sea itself changes with the seasons: winter brings choppier waters due to stronger winds, making diving and boating more challenging, while summer sees calmer seas – although it’s also peak hurricane season.

Hurricanes are part of island life. The Cayman Islands sit within the Atlantic hurricane belt, meaning storms are a real threat, especially from June to November. Historically, a major hurricane impacts the islands every five to 10 years, with past storms like Hurricane Ivan (2004) and Hurricane Grace (2021) leaving their marks.

Renting accommodation in the Cayman Islands is a straightforward process, with a wide selection of apartments, condos, and houses available for long-term rent. Costs vary substantially depending on location, amenities, and proximity to areas such as George Town and the Seven Mile beachfront.

Rental accommodation is relatively easy to find, and annual leases are generally available. During the tourist season (December to April), securing an annual lease can be more challenging due to increased demand.

Types of accommodation in the Cayman Islands

There are various types of accommodation to choose from when renting in the Cayman Islands, catering to different lifestyles and budgets.

Apartments and condos are popular choices for professionals and expats, with options ranging from budget-friendly units to high-end waterfront residences. Townhouses are often found in gated communities. These offer more space than apartments and are ideal for families or professionals. 

Standalone houses and villas are located in suburban or residential areas. These properties provide greater privacy and larger living spaces. Shared housing and rooms are a more affordable option, often rented by students, seasonal workers, or those on a budget.

Furnished vs unfurnished

Most rental properties in the Cayman Islands come fully furnished, making it convenient for new arrivals. Unfurnished properties are less common but may be available for those preferring to furnish their own space.

Short lets

Short-term rental options are ideal for those not looking to commit to a long lease. You can find these through platforms like Airbnb and Vrbo or local rental agencies.

Useful links

• Airbnb
• Vrbo

Finding accommodation in the Cayman Islands

Real estate agents across the islands can assist with house hunting, and many property listings are available online. Given the fast-moving market, it’s best to act quickly when securing a lease.

Popular online platforms for finding rentals include Cayman Resident, with guides and property listings; EcayTrade , a classifieds site featuring rental listings, and various Facebook groups and real estate agencies like Re/Max, Century 21, and Coldwell Banker.

In the Cayman Islands, landlords typically cover real estate agent fees when securing tenants, so renters usually don’t need to pay an agent fee. However, you should budget for a security deposit (typically one month’s rent) and potential utility setup costs.

Useful links

• EcayTrade
• Cayman Resident

Renting accommodation in the Cayman Islands

Renting accommodation in the Caymans is often the most practical choice if you’re planning to stay for two to three years. The property market is well managed, catering to the transient nature of expat living. Once you’ve found a suitable property, approach the landlord as soon as possible to negotiate the lease terms, pay the deposit, and sign the contract.

Making an application

The first step in securing a rental property is submitting an application. You can apply directly with the landlord or through an estate agent. Expect landlords or agencies to conduct background checks, which may include proof of employment in the form of a job letter or recent payslips, reference checks and a credit check.

Leases

A standard rental contract in the Cayman Islands lasts 12 months, with an option to renew at the end of the term. Some landlords may offer shorter leases, but these are less common and often come with higher rent. Short-term leases are more likely to be fully furnished, while long-term rentals may be unfurnished.

Key clauses in lease agreements usually include:

• Security deposit conditions – specifies refund policies and potential deductions.
• Utility responsibilities – clarifies whether utilities (electricity, water, internet) are included or separate.
• Maintenance responsibilities – landlords typically cover structural repairs, while tenants handle minor maintenance (e.g., AC filters, lightbulbs).
• Termination clause – outlines the required notice period and any early termination penalties.
• Renewal terms – details automatic renewals or rental rate adjustments.

Deposits

To secure a rental, you’ll need to pay a deposit, usually equivalent to one month’s rent, plus the first month’s rent upfront. Your deposit is refundable at the end of the lease, provided the property is returned in its original condition, aside from normal wear and tear.

Terminating the lease

Lease termination policies vary, but tenants typically need to provide 30 to 60 days’ notice. Some leases include break clauses allowing early termination with a penalty fee. If no break clause exists, tenants may be responsible for rent until a new tenant is found. Certain landlords may allow early lease termination for job loss or employer relocation, which is common among expats.

Utilities in the Cayman Islands

Before signing a lease, check which utilities are included and what extra costs you’ll be responsible for. Most rentals do not cover utilities such as electricity, water, gas, and internet, so it’s essential to budget accordingly. Some landlords may require a utilities deposit.

Electricity

Electricity in Grand Cayman is supplied by Caribbean Utilities Company (CUC), while Cayman Brac Power & Light services Cayman Brac and Little Cayman. The voltage is 120V/60Hz, with Type A and Type B plugs (the same as in the US and Canada). Due to the warm climate, air conditioning is essential, making electricity costs a significant expense.

Gas

There is no piped natural gas system in the Cayman Islands. Instead, most residents use bottled propane gas supplied by companies like Home Gas. Gas is mainly used for cooking, although some homes have propane water heaters. Electric stoves are also common.

Water

Tap water in the Cayman Islands is safe to drink and meets World Health Organization (WHO) standards. The primary sources are Water Authority – Cayman (government-owned) and Consolidated Water (a private supplier). Some properties also use well water for non-drinking purposes. While tap water is safe, some residents prefer filtered or bottled water due to the tap water’s chlorine taste.

Bins and recycling

Garbage collection is managed by the Department of Environmental Health (DEH) and occurs once or twice a week, depending on the district. Recycling is available but limited. Drop-off bins for glass, aluminium, plastics, and paper are located at various recycling centres.

Useful links

• Caribbean Utilities Company (CUC), Cayman Brac Power & Light
• Home Gas
• Water Authority – Cayman, Consolidated Water
• Department of Environmental Health (DEH)

The education system in the Cayman Islands is generally of an excellent standard. Education is compulsory from ages 5 to 17 for all children living on the islands. There is a high demand for places in both public and private schools, so it’s important to apply for registration as far in advance as possible.

All schools in the Cayman Islands are assessed every two years by the Office of Education Standards (OES) on a scale from ‘weak’ to ‘excellent’. Schools rated as ‘weak’ undergo reassessment within six months. You can check school ratings on the OES website.

Public schools in the Cayman Islands

Public schools in the Cayman Islands follow the British education model and are taught in English. Government school placements are determined by priority rankings. If your child is Caymanian, they are guaranteed a spot. The next priority goes to children of government employees, followed by permanent residents, before spaces are made available to other applicants.

Public education is free for Caymanian students up to Year 12. If you are not a permanent resident, you will need to pay school fees, although these are significantly lower than private school tuition. To qualify for free public education, you must provide proof of Caymanian status and residency and complete the necessary enrolment forms at your designated school.

Useful links

• Department of Education Services
• Office of Education Standards (OES)

Private and international schools in the Cayman Islands

Private and international schools in the Cayman Islands offer diverse curricula, including the British Curriculum (IGCSE, A-Levels), International Baccalaureate (IB), and American systems (SAT, AP). Some faith-based institutions follow Christian-based curricula. Most international schools are located in George Town on Grand Cayman.

Although private schools are available across all three islands, space is limited, and waiting lists are common. If you’re considering private education, apply as early as possible.

Admission requirements vary by school but typically include an application form and fee, previous academic records, entrance assessments or interviews, and proof of residency or work permit (if applicable).

Best International Schools in the Cayman Islands

Homeschooling in the Cayman Islands

Homeschooling in the Cayman Islands is legally recognised but requires Department of Education Services approval. To homeschool your child, you must submit an Individualised Home School Plan (IHSP) detailing the curriculum, teaching methods, and assessment plans. Applications are made online, and approval is usually granted within 10 days.

Many families choose to homeschool for personalised learning, religious or cultural reasons, or to accommodate travel and alternative education styles. Homeschool Cayman is an excellent resource for information and support.

Useful links

• Homeschool Cayman

Special-needs education in the Cayman Islands

Special-needs education in the Cayman Islands is integrated into mainstream schools as much as possible. If your child requires more specialised support, they may be eligible to attend the Lighthouse School, a government-funded institution for students aged 5 to 17 with autism spectrum disorder (ASD), moderate learning difficulties (MLD), severe learning difficulties (SLD), or profound and multiple learning disabilities (PMLD).

Private schools also offer varying levels of special-needs support, including Individualised Education Plans (IEPs), specialist teachers, and therapy services for conditions like ADHD, dyslexia, and anxiety disorders.

Useful links

• Lighthouse School

Tutors in the Cayman Islands

Private tutoring in the Cayman Islands is a popular option for students needing extra support in core subjects such as maths, science, and English. Tutors can also help with standardised test preparation for IGCSE, A-Level, IB, SAT, and ACT exams.

Tutoring costs vary depending on the subject and tutor qualifications. Common payment structures include hourly rates, monthly packages, and discounted group sessions.

Some of the top tutoring services include:

• Ceibo Tutoring Cayman
• Cayman Learning Centre
• IRead for Life
• CIFEC (Cayman Islands Further Education Centre)