Living in Hamilton, Bermuda
Hamilton is a smaller coastal city in Bermuda (under 250,000 people in the city proper). It has a warm climate, averaging 22°C over the year with about 1,490 mm of rain. We estimate a couple needs about €3,840 a month to live centrally, and Bermuda sits in our zero or very low tax tier. For foreigners, long-term residency in Bermuda is hard to obtain.
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- Est. cost
- €3,840
- a month for a couple
- Tax tier
- Zero or very low
- personal income tax
- Climate
- 22°C
- 1,490 mm rain a year
- Size
- Smaller
- under 250,000 people
- Safety
- 80/100
- country-level
- Internet
- ~150 Mbps
- median fixed broadband
- Residency
- Hard to obtain
- for most foreigners
What stands out about Hamilton
- No or very low personal income tax
- Safer than 95% of the cities we compare
- Stronger healthcare than 89% of the cities we compare
- Pricier than 86% of the cities we compare
- Long-term residency is hard to obtain
Taxes
Bermuda sits in our zero or very low tax tier: little to no personal income tax. We use three tiers (zero or very low, low to medium, high) and apply them to every city in the country.
Source: OurNextCity tax tiers, assigned by hand from each country's top marginal personal income tax rate and overall tax reputation, with no fixed rate cut-offs. Country-level and coarse by design; not tax advice.
Safety and stability
Bermuda scores 80 out of 100 on safety, safer than 95% of the cities we compare. Its EIU Democracy Index score is 8.0 out of 10.
Source: Our own country-level safety estimate (0 to 100, higher is safer), shared by every city in Bermuda. Stability: EIU Democracy Index.
Residency and visas
Hard to obtain. Indefinite residency realistically comes only via the Economic Investment (Residential) Certificate route; a renewable annual residence permit lets self-funded remote workers live there but bars local work and is not permanent.
The cheapest self-funded routes we track for Bermuda:
- Investment: about $2.5M (Economic Investment Residential Certificate (EIRC), minimum BM$2.5 million (BMD pegged 1:1 to USD), one-time qualifying investment maintained for 5 years; as of June 2026)
Source: OurNextCity residency dataset, hand-reviewed approximations researched against published immigration rules, figures as of June 2026. Not legal advice: check the official source before you apply. Short-stay entry from the passport-index dataset (ilyankou, MIT).
Language and culture
Main languages: English. English proficiency: native or near-native. Social openness scores 72 out of 100.
Source: EF English Proficiency Index (country-level); social openness is our secularism and tolerance composite.
Healthcare
Bermuda scores 78 out of 100 for healthcare, stronger than 89% of the cities we compare.
Source: Our own country-level healthcare estimate (0 to 100), shared by every city in Bermuda.
Cost of living
We estimate a couple needs about €3,840 a month to live centrally in Hamilton, 41% above the €2,729 median across the 900 cities we compare. That makes it more affordable than 14% of them.
Source: OurNextCity model: a country-level cost index (New York = 100) scaled up for larger cities. An estimate for comparing cities, not a budget.
Climate
Hamilton averages 22°C across the year with about 1,490 mm of rain, which makes it warm and wet. It is warmer than 62% of the 1225 cities we track, and it sits on the coast.
Source: Temperature from the Open-Meteo historical weather archive, daily means for 2019 to 2023; rainfall from TerraClimate (University of Idaho) 1991 to 2020 normals. Annual averages; monthly breakdowns are not in our dataset yet.
Internet and remote work
Median fixed broadband in Bermuda runs at about 150 Mbps, faster than 53% of the cities we compare. Bermuda also has a residency route aimed at remote workers (see residency below).
Source: Ookla Speedtest Global Index, median fixed broadband download speed, country-level.
Questions couples ask about Hamilton
Is Hamilton a good place to live for couples?
It depends on what the two of you weigh most. Compared with the other cities we track, Hamilton scores well on safety, healthcare, English and political stability. It is weaker on affordability. Expect a warm, wet climate (22°C average). OurNextCity has each partner answer 12 questions privately, then ranks Hamilton and 914 other cities for both of you at once.
How much does it cost a couple to live in Hamilton?
We estimate about €3,840 a month for a couple living centrally, 41% above the €2,729 median across the cities we compare. It is a model estimate from a country-level cost index adjusted for city size, so use it to compare cities rather than to set a budget.
What are taxes like in Hamilton?
Bermuda is in our zero or very low tax tier (little to no personal income tax). Tiers are country-level and deliberately coarse: zero or very low, low to medium, and high.
Can foreigners live in Bermuda long term?
Our assessment: hard to obtain. Indefinite residency realistically comes only via the Economic Investment (Residential) Certificate route; a renewable annual residence permit lets self-funded remote workers live there but bars local work and is not permanent. The cheapest self-funded routes we track: investment, about $2.5M (as of 2026-06).
What is the weather like in Hamilton?
Hamilton averages 22°C across the year with about 1,490 mm of rain, which makes it warm and wet. It is warmer than 62% of the cities we track.
Cities like Hamilton
Closest matches in other countries across climate, size, coast, cost, safety, healthcare, internet, language and politics.