Returning to Jamaica from the United States

US Taxes: US citizens and permanent residents are taxed on worldwide income. Even after moving to Jamaica, you must file annual US tax returns if you meet the filing threshold. The Foreign Earned Income Exclusion (FEIE) may reduce your US tax liability. Consult a tax professional experienced in expatriate taxation.

Social Security: US Social Security benefits can be paid to Jamaica. Complete SSA-21 form before departing. Payments can be direct-deposited to a US bank account or sent by cheque. Unlike the UK, US Social Security benefits continue to receive cost-of-living adjustments (COLAs) when paid abroad.

Green Card holders: If you're a permanent resident (Green Card holder), be aware that extended absence from the US (over 12 months) can result in loss of your Green Card. If you plan to return to the US periodically, consider applying for a re-entry permit before departing.

Medicare: Medicare does not generally cover healthcare outside the US. You'll need Jamaican private health insurance. Consider keeping Medicare Part A (no premium if you qualify) in case you return to the US.

Banking: Keep your US bank account active for receiving Social Security and pension payments. Services like Zelle, Wise, and Remitly offer cost-effective transfers from USD to JMD. Jamaica's exchange rate with USD is more favourable than many currencies.

Returning Resident Relief: Jamaicans who have lived abroad for 3+ years qualify for duty concessions on personal effects and one motor vehicle within 12 months of return. Apply through Jamaica Customs Agency.

Shipping from the US: Miami and Fort Lauderdale are the primary shipping ports for Jamaica. Sea freight takes 5–10 days to Kingston. A 20-foot container costs approximately US$1,500–$3,000. Popular shippers include Laparkan, Tropical Shipping, and Caribbean Shipping.

Barrel shipping: For smaller shipments, barrel shipping is a cost-effective option. Companies like Rainforest Shipping, Mailpac, and Ship-a-Barrel offer door-to-door service from major US cities.

Vehicle import: Left-hand drive vehicles from the US are accepted in Jamaica (Jamaica drives on the left but accepts both). Duty concessions apply for returning residents. See our vehicle import guide.

USD advantage: The US dollar is strong against the Jamaican dollar (approximately US$1 = J$155–160 as of 2026). This means your savings and pension stretch further in Jamaica.

Local banking: Open a Jamaican bank account as soon as possible. You'll need a TRN, passport, proof of address, and references. Major banks: NCB, Scotiabank, JMMB, Sagicor. See our banking guide.

Cost comparison: Housing and labour costs are significantly lower than most US cities. Groceries for imported items may cost more. Utilities (electricity in particular) can be expensive. See our cost of living guide.

Renting first: Even if you plan to buy, renting for 6–12 months lets you explore different areas without commitment. See our renting before buying guide.

Buying property: US citizens can buy property in Jamaica without restriction. Budget 5–8% above the purchase price for closing costs. Use our closing costs calculator.

Mortgages: Some Jamaican institutions offer mortgage products for diaspora buyers. Rates are typically 7–12%. NHT contributors may access subsidised rates. Use our mortgage calculator.

Popular areas for US returnees: Montego Bay and Negril (familiar tourism infrastructure), Kingston (urban lifestyle), Mandeville (cooler climate, established returnee community), and Portland (natural beauty, quieter pace).

Healthcare: Private health insurance is essential. See our healthcare guide. Major private hospitals include Andrews Memorial (Kingston), Medical Associates, and Cornwall Regional (Montego Bay).

Schools: Jamaica has excellent schools at all levels. International schools follow US/IB curricula. See our schools guide.