Retire in Antigua and Barbuda in 2025

Why Retire in Antigua and Barbuda?

Retiring in Antigua and Barbuda offers numerous benefits, from an attractive citizenship program to a tax-friendly environment. More facts about this country and its passport can be found in our article. 

This twin-island nation in the Caribbean is an excellent choice for retirees looking for a peaceful yet engaging lifestyle in a tropical paradise.

Affordable Cost of Living

Antigua and Barbuda provide a relatively affordable lifestyle compared to many Western countries, including the USA. While costs may vary depending on lifestyle choices, the islands provide reasonable housing prices, with a one-bedroom apartment in the city center renting for around $1,000 per month and outside the city for approximately $650 per month. The cost of groceries, dining, and utilities remains moderate, making it an accessible destination for retirees on a fixed income. 

Attractive Residency Options

Antigua and Barbuda offer straightforward pathways to long-term residency, including the Citizenship by Investment (CBI) program and renewable residence permits. The CBI program grants full citizenship with visa-free travel to over 150 countries, including the UK, Schengen Zone, China, and Singapore. Retirees who prefer a non-citizenship option can apply for the Annual Resident Permit, which provides flexibility without the need for a large investment.

Natural Beauty and Relaxed Lifestyle

With 365 beaches—one for every day of the year—Antigua and Barbuda boast some of the most stunning coastal landscapes in the Caribbean. The islands' rich maritime heritage is showcased at Nelson's Dockyard, a UNESCO World Heritage Site, where visitors can explore restored Georgian-era naval buildings. Retirees can enjoy a relaxed lifestyle with plenty of opportunities for outdoor activities such as sailing, fishing, hiking, and golfing. The islands also have a welcoming expat community, offering a smooth transition for newcomers. 

Tax Benefits

Antigua and Barbuda have a highly favorable tax system for retirees, featuring no capital gains tax, inheritance tax, or wealth tax. On top of that, there is no tax on worldwide income for residents, making it an attractive destination for those with international revenue streams. This allows retirees to optimize their financial resources while enjoying a high standard of living.

Stable and Safe Environment

Known for its political stability and low crime rate, Antigua and Barbuda have a secure and peaceful environment for retirees. As of early 2024, the country maintained a safety index of approximately 72.5, indicating a low level of crime and a strong sense of security. The government prioritizes public safety, and expatriates often find the local communities to be welcoming and hospitable.

With its stunning beaches, financial advantages, and relaxed island lifestyle, Antigua and Barbuda stand out as a premier retirement destination in the Caribbean.

Cost of living in Antigua and Barbuda

Antigua and Barbuda present a relatively affordable cost of living, especially in terms of housing and utilities, compared to the United States and other developed countries. Monthly rent for apartments in the city center or suburban areas may be as low as $700, making it significantly cheaper than in the US. Essential utilities, including electricity, water, and garbage collection, cost around $290 per month, which is more affordable than in nearby regions such as Puerto Rico ($260), the Bahamas ($270), and the US Virgin Islands ($345).

Imported food items tend to be pricier than in the US and UK, but local markets offer fresh and affordable produce such as bananas, coconuts, cucumbers, and mangoes. Below is a comparison of average grocery prices in Antigua and Barbuda, the US, and the UK (2025):

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Dining and Entertainment Eating out in Antigua and Barbuda is relatively affordable. A meal at an inexpensive restaurant costs about $9 on average, while the same meal in the US costs around $20. A domestic beer is also significantly cheaper, priced at $3.70 compared to $6 in the US. The country offers a variety of restaurants, from casual eateries to high-end dining, particularly in popular towns like St. John’s, Jolly Harbour, and Dickenson Bay.

While imported goods can be expensive, Antigua and Barbuda remain an attractive destination for retirees and expatriates due to their affordable housing, lower utility costs, and reasonably priced dining options. 

Healthcare in Antigua and Barbuda

Antigua and Barbuda is known for its high-quality medical care system, which caters to both locals and foreign residents, including senior citizens. The country has 25 public health centers and two main medical facilities:

• Mount St. John's Medical Hospital
• Adelin Private Clinic

Both of these facilities provide advanced healthcare services with highly qualified medical staff who have received foreign training. Despite this, certain specialized treatments may require evacuation to another country. 

In general, healthcare services encompass both public and private sectors, each with distinct cost structures. The public healthcare system is primarily funded through the Medical Benefits Scheme (MBS), which provides coverage for specific chronic illnesses. Contributions to the MBS are income-based:

1. Employees. 3.5% of gross monthly earnings; reduced to 2.5% for those aged 60 to 69; no contribution required for individuals aged 70 or older.
2. Employers. 3.5% of gross monthly payroll; increased to 7% for employees earning below EC$*100 weekly or EC$400 monthly; no contribution for employees aged 60 or older.
3. Self-employed individuals. 5% of monthly declared earnings; reduced to 2.5% for those aged 60 to 69; no contribution required for individuals aged 70 or older.

These contributions facilitate access to medical treatments and prescription medications for covered conditions. 

Private healthcare services in Antigua and Barbuda offer expedited access and a broader range of medical treatments. Consultations at private clinics typically cost around $70 per visit. Basic health insurance plans start at approximately $240 to $375 per month for a middle-aged expatriate, including coverage for medical evacuation. 

For expatriates and retirees, obtaining comprehensive international health insurance is advisable to cover potential medical evacuations and treatments not available locally. It is advisable for expatriates and retirees to obtain comprehensive health insurance for broader medical coverage. Some reputable providers include:

• Pacific Prime
• Sagicor Life
• MSH International
• Allianz. They provide one of the best and comprehensive healthcare plans for an American retiree aged 65 that is approximately $392 per month ($4,704 annually).

Securing appropriate health insurance is crucial to manage potential medical expenses effectively for retirees. 

*EC$ stands for the Eastern Caribbean dollar

Real Estate in Antigua and Barbuda

Antigua and Barbuda offers diverse real estate options, from luxury villas to beachfront condos and undeveloped land. The most sought-after areas for investment include:

• English Harbour & Falmouth Harbour – A prime location for yachting enthusiasts, featuring upscale waterfront villas and a lively expat community.
• Jolly Harbour – A gated marina community with waterfront villas, townhouses, and golf course access, popular among foreign buyers.
• Dickenson Bay & Runaway Bay – Beachfront locations near St. John’s, offering resort-style condos with strong rental potential.
• Hodges Bay & Cedar Valley – High-end residential areas near the golf course, ideal for full-time residents and expats.
• Galley Bay & Pearns Point – Exclusive villa communities with panoramic ocean views and private beach access.
• Half Moon Bay & Nonsuch Bay – Tranquil east coast destinations with luxury developments and eco-friendly resorts.
• Barbuda – A hidden gem with pristine beaches and emerging investment opportunities in resort and eco-tourism projects.

Property types range from luxury beachfront estates and modern condominiums to gated community homes and undeveloped plots for custom builds. ​Real estate prices vary based on location and property type. Condominiums and townhouses typically start between $250,000 and $600,000, with beachfront options commanding higher prices. Single-family homes located inland begin around $300,000, while oceanfront villas range from $1.5 million to $12 million. For undeveloped land, prime beachfront plots start at $500,000, whereas inland lots are generally more affordable.

Foreign buyers must obtain an Alien Landholding License (5% of the purchase price), but many invest through the Citizenship by Investment Program, which requires a minimum $300,000 property purchase and no taxes to be paid. 

Taxes for Retirees in Antigua and Barbuda

Antigua and Barbuda is an appealing destination for retirees due to its favorable tax regime, which supports financial stability and wealth preservation. The following is an overview of the tax landscape for retirees in Antigua and Barbuda. 

1. No Tax on Foreign-Sourced Income

One of the most attractive features for retirees in Antigua and Barbuda is the absence of personal income tax on foreign-sourced income. This includes:

• Pensions
• Investment returns
• Dividends
• Other income earned outside of Antigua and Barbuda

This tax policy allows retirees to receive income from abroad without incurring any additional tax liabilities locally, making it an ideal jurisdiction for those with international income streams.

2. Domestic Income Tax Structure

Antigua and Barbuda does not impose personal income tax on residents, regardless of whether the income is earned locally or abroad. ​In April 2016, the Government of Antigua and Barbuda abolished personal income tax. This is a significant advantage for retirees who may wish to engage in part-time work, freelance activities, or business ventures within the country.

3. Absence of Certain Taxes

Antigua and Barbuda offers a tax environment that favors wealth preservation by not imposing the following taxes:

• Capital Gains Tax. Gains from the sale of property, stocks, or other assets are not subject to capital gains tax.
• Inheritance Tax. There is no inheritance tax, allowing estates to be passed on to heirs without additional financial burdens.
• Wealth Tax. Retirees are not subject to wealth tax, enabling them to preserve their savings and investments.

These exemptions contribute to Antigua and Barbuda’s appeal as a retirement destination, particularly for those with significant assets or investments.

4. Property Taxes

Property ownership in Antigua and Barbuda is subject to relatively low property taxes, which are calculated based on the market value of the property, with rates varying based on property classification as outlined in the table: 

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Note: Non-residents owning undeveloped land are subject to higher tax rates, ranging from 10% to 20%, depending on the duration of ownership. 

5. Tax Residency

Tax residency in Antigua and Barbuda is determined by physical presence. An individual is considered a tax resident if they:

• Spend at least 183 days in the country within a calendar year.
• Apply for a Permanent Residency Program:

• The individual must maintain a permanent home in Antigua and Barbuda, either owned or leased.
• The individual must spend at least 30 days annually in the country.
• They must demonstrate a genuine and effective economic connection to Antigua and Barbuda.
• The individual must have a minimum annual income of $100,000.
• Participants must pay a flat annual tax of $20,000.

6. Tax Treaties

Antigua and Barbuda has entered into double taxation treaties with various countries, including the UK and CARICOM members. These treaties ensure that retirees do not face double taxation on the same income in both their home country and Antigua and Barbuda, enhancing financial efficiency and peace of mind. For retirees, this means they can receive pensions, dividends, and other income without the burden of dual taxation. Also, these agreements often include provisions for tax credits, exemptions, and reduced withholding tax rates, further benefiting expatriates and investors.

Top Places to Retire in Antigua and Barbuda

Antigua and Barbuda is a sought-after retirement destination, known for its picturesque beaches, warm climate, and relaxed lifestyle. The country has a variety of locations that cater to different preferences, from vibrant communities to serene, nature-focused areas. Below are the top places to consider for retirement in Antigua and Barbuda:

1. Jolly Harbour

Located on the southwest coast of Antigua, Jolly Harbour is a vibrant community known for its marina, golf course, and stunning beaches. It is a popular choice among expatriates, offering a range of properties within pre-approved real estate developments. Property prices in Jolly Harbour vary, with two-bedroom waterfront condos starting at around $350,000 and luxury villas exceeding $1.5 million. The cost of living is relatively high, with monthly expenses for a couple averaging $2,500 to $5,000, including rent, utilities, dining out, and healthcare. Retirees here can enjoy an active lifestyle with marina access and a world-class golf course, along with a well-established expat community for social engagement.

2. English Harbour

Situated in the southeast, English Harbour is rich in history and culture. It is home to Nelson's Dockyard, a UNESCO World Heritage site, and offers a variety of dining and entertainment options. Real estate prices in English Harbour are competitive, with apartments starting at $250,000 and luxury waterfront properties reaching up to $2 million. Monthly expenses for retirees are estimated at $2,000 to $4,000, depending on lifestyle choices and housing arrangements. English Harbour attracts retirees seeking a culturally rich lifestyle with picturesque coastal landscapes and vibrant yachting activities. 

3. Falmouth Harbour

Adjacent to English Harbour, Falmouth Harbour is known for its sailing community and breathtaking views. It provides a serene environment with access to various amenities, appealing to those looking for a peaceful yet connected lifestyle. Property prices are generally lower than in English Harbour, with homes ranging from $300,000 to $1.2 million, depending on location and amenities. The cost of living is moderate, with average monthly expenses of $1,500 to $3,000. This area is ideal for retirees who enjoy a laid-back yet sophisticated environment with panoramic views and a close-knit community.

4. St. John's

As the capital city, St. John's offers urban conveniences with a Caribbean flair. It is the economic heart of the country, featuring vibrant nightlife, luxury properties, and designer boutiques. Real estate options in St. John's are diverse, with condos starting at $200,000 and luxury homes going up to $1.8 million. The cost of living is higher than in other parts of the country, with estimated monthly expenses of $4,000 to $6,000, including rent, dining, and healthcare. St. John's is well-suited for retirees who enjoy city living with access to shopping centers, cultural events, and top medical centers like Mount St. John's Medical Hospital and Adelin Private Clinic.

5. Codrington (Barbuda)

Located on the island of Barbuda, Codrington offers an unspoiled paradise with abundant wildlife and untouched beaches. It is perfect for nature enthusiasts seeking a tranquil retirement setting away from the hustle and bustle. Property prices are lower compared to Antigua, with homes ranging from $150,000 to $800,000, depending on proximity to the beach and amenities. The cost of living is relatively modest, with monthly expenses averaging $2,500 to $3,500. Codrington is ideal for retirees who prioritize peace, nature, and seclusion, with opportunities for eco-tourism, bird-watching, and beachcombing.

How to Retire in Antigua and Barbuda?

To retire in Antigua and Barbuda, you have two primary options: the Tax Residency Program or Citizenship by Investment. Each option offers specific benefits and requirements suitable for different financial goals and lifestyle preferences.

Tax Residency Program

The Tax Residency Program in Antigua and Barbuda offers permanent residency to retirees who meet specific criteria. Applicants must secure a place to live by either purchasing or renting real estate in the country. A key requirement is maintaining a physical presence in Antigua for a minimum of 30 days each year. Additionally, applicants must demonstrate an annual income of at least $100,000 to qualify. The program features a simplified tax structure, imposing a fixed annual tax of $20,000, regardless of total income earned. This program is an attractive option for retirees seeking tax efficiency and Caribbean residency without complex reporting obligations.

Citizenship by Investment (CBI) Program

Introduced in 2013, the Antigua and Barbuda Citizenship by Investment program presents a valuable opportunity for investors who wish to minimize their tax liabilities while acquiring a second citizenship along with a tax ID number. Thanks to its advantageous tax policies and flexible investment options, the program is particularly attractive to high-net-worth individuals looking to establish a strategic financial base in the Caribbean. Key tax benefits include:

• No Tax on Overseas Income: Antigua and Barbuda do not tax income earned abroad, enabling investors to retain more of their international earnings.
• No Taxes on Wealth, Inheritance, or Capital Gains: The country does not impose taxes on personal wealth, inheritances, or capital gains, offering efficient wealth management and succession planning solutions.
• No Requirement for Residency for Tax Benefits: Investors are not obligated to live in Antigua and Barbuda to take advantage of its tax policies, allowing them flexibility in managing their personal and business interests.

To be eligible for citizenship through investment, applicants must be at least 18 years old, have no criminal history as confirmed by a thorough background check, be in good health, and meet the specified investment requirements. The clear and straightforward criteria make the program accessible to credible investors worldwide.

The program offers three main investment routes:

1. National Development Fund (NDF) Donation: A non-refundable contribution of at least USD 230,000 to support national development initiatives.
2. Real Estate Purchase: A minimum investment of USD 300,000 in a government-approved real estate project, with a mandatory holding period of five years.
3. Business Investment: A minimum of USD 1.5 million invested in an eligible business as a sole investor, or a joint investment of USD 5 million, with each participating investor contributing at least USD 400,000.

Applicants can also include dependents such as a spouse, children under 30, parents and grandparents above 55, and unmarried siblings of the primary applicant or spouse. Antigua and Barbuda permit dual citizenship, allowing investors to keep their original nationality while enjoying visa-free or visa-on-arrival access to multiple countries worldwide.

The application process is efficient and typically takes between 4 to 8 months from the time of submission to approval. The combination of a streamlined process and attractive tax benefits makes Antigua and Barbuda an appealing destination for investors looking for enhanced global mobility, financial security, and lifestyle advantages.

What are other popular states to retire in the Caribbean?

For retirees seeking a peaceful and tax-friendly lifestyle in the Caribbean, Grenada, St. Lucia, St. Kitts and Nevis, and Dominica stand out as top destinations. 

Grenada

Known as the "Spice Isle," Grenada boasts lush landscapes, pristine beaches, and a warm, welcoming community. A single person can comfortably live in Grenada with a monthly budget of $1,500 to $2,000, covering rent and monthly expenses, including private health care insurance.  Grenada also provides a Citizenship by Investment (CBI) program, allowing retirees to obtain citizenship through a minimum investment of $235,000, granting them access to visa-free travel to numerous countries. 

St. Lucia

St. Lucia is renowned for its breathtaking Piton mountains, lush rainforests, and stunning beaches. The island offers a relatively affordable cost of living, with monthly expenses ranging from $1,000 to $1,500.  St. Lucia also offers a CBI program, allowing retirees to obtain citizenship through a minimum investment of $240,000, granting them access to visa-free travel to numerous countries. 

St. Kitts and Nevis

This twin-island nation offers retirees a tranquil environment with beautiful beaches and a rich cultural heritage. St. Kitts and Nevis has a favorable tax regime, with no personal income tax, capital gains tax, or inheritance tax.  The cost of living is moderate, with monthly expenses averaging around $1,500 to $2,000. The country also offers a CBI program, allowing retirees to obtain citizenship through a minimum investment of $250,000. 

Dominica

Known as the "Nature Island," Dominica proposes to retirees an unspoiled paradise with lush rainforests, hot springs, and abundant wildlife. The island has a relatively low cost of living, with monthly expenses ranging from $1,000 to $1,500. Dominica also offers a CBI program, allowing retirees to obtain citizenship through a minimum investment of $200,000.