Singapore is a thriving global city, renowned for its stability, prosperity, and forward-thinking approach. As a hub of economic growth and innovation, the city is home to a well-educated, diverse, and international population. Its vibrant expatriate community reflects Singapore’s appeal as a destination offering both exceptional quality of life and professional opportunities. With its welcoming environment and world-class infrastructure, Singapore stands as a beacon of opportunity for families seeking an enriching, international experience for their children’s education.
Why Singapore?
Singapore is an attractive destination for globally-minded families, offering a welcoming environment for individuals from all around the world. With its thriving economy, exceptional quality of life, and rich cultural diversity, Singapore stands as one of Asia’s most appealing locations for expatriates.
For families relocating from the United States or other Western countries, the transition to life in Singapore is often smoother than anticipated. As a global financial hub with strong international ties, Singapore provides numerous conveniences for newcomers. English is widely spoken, and many aspects of daily life are familiar, thanks to Singapore’s unique blend of modernity and tradition.
However, before making the move, it’s essential to be well-prepared. Let’s explore a few key areas to consider as you plan your new chapter in Singapore.
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Getting a Job
In most cases, securing employment in Singapore is a crucial first step toward relocating. Your employer will not only provide a source of income but will also sponsor your work permit, allowing you to live and work legally in the country.
Singapore’s economy is dynamic and globally connected, with industries that span a wide range of sectors. As the country continues to experience strong economic growth, it often looks beyond its borders to attract skilled international talent.
That said, not all sectors offer the same opportunities for foreign professionals. The Singapore Ministry of Manpower (MOM) regularly updates its Shortage Occupation List, highlighting the skill sets in demand. Exploring local job sites can provide valuable insights into available opportunities and expected salaries based on your expertise.
Accommodation or Housing
Unlike in many other countries, Singapore does not impose limits on the number of private properties you can buy. However, finding the right property takes time and careful consideration, particularly given the high real estate costs in the city-state. Many high-income foreigners choose to rent due to the limited housing options and financial considerations.
To rent a property in Singapore, you must be at least 18 years old and hold a valid pass. Private properties typically have a minimum rental period of three months, with longer leases often preferred by landlords. For a more affordable option, you can explore properties managed by the Housing & Development Board, which generally require a minimum lease of six months.
If you’re looking to save on rent, consider avoiding high-profile tourist areas and locations heavily marketed to foreigners, as prices in these areas tend to be inflated. Instead, ask your employer for assistance in finding reasonably priced accommodations, or explore real estate listings aimed at local residents for better deals closer to your workplace.
Finances
Singapore is known for its high cost of living, but this is often balanced by competitive salaries and an exceptional quality of life that many expatriates enjoy.
While estimates can vary, Expatistan suggests that the average monthly cost for a family of four in Singapore is around SGD 10,931 (approximately USD 8,000), and for a single individual, around SGD 6,838 (approximately USD 5,000). These figures are similar to living costs in cities like London or New York.
Housing is typically the largest expense, with a modest 45 m² (480 sq ft) apartment starting at approximately SGD 3,000 per month. If you plan to own a vehicle, this will also be a significant expense due to high taxes. On the other hand, public transport and food are relatively affordable, especially compared to other developed nations. However, these costs may seem higher when compared to neighboring Southeast Asian countries.
Healthcare in Singapore can be costly for foreigners, as you won’t have access to subsidized public healthcare. Nonetheless, there are private insurance options that can help manage these costs, and many employers offer group health coverage to ease the burden.
Opening a bank account as a foreigner is generally straightforward. With a valid ID, such as your passport, and an initial deposit, you can easily set up an account. Many employers also assist by offering payroll accounts for managing your finances.
Work Pass Schemes
To work and live in Singapore, foreigners need the appropriate passes and permits. For most professionals, this means being sponsored by a local employer to obtain an S-Pass (for mid-level skilled workers) or an Employment Pass (for managerial and executive roles).
Once you secure an S-Pass or Employment Pass, your spouse and children can apply for a Dependant’s Pass, which allows them to live and even work in Singapore, provided the main pass remains valid. Applications for these passes must also be submitted by local employers on behalf of dependants.
If your employment in Singapore ends, you will have a limited period to find a new role and retain your pass. Should this period lapse without securing a new position, both you and your family members on Dependant’s Passes will need to leave Singapore.
Taxes
Singapore’s attractive low tax rates are one of the reasons it draws high-income professionals from around the world. The country primarily taxes Singapore-sourced income, and thanks to its extensive tax treaties, many individuals benefit from reduced tax burdens.
As a foreigner working in Singapore, you can expect a personal income tax rate ranging from 15% to 24%, depending on your residency status. Additionally, Singapore imposes a Goods and Services Tax (GST) of 9% on most purchases, which is typically included in the listed prices of goods and services. If you plan to buy a home or a vehicle, property and motor vehicle taxes will apply. For those operating a business, there’s a corporate tax rate of 17%, with excise duties on certain products like tobacco, liquor, and petroleum.
Given the complexities of taxation for foreigners, it’s advisable to consult with the Inland Revenue Authority of Singapore (IRAS) or a private tax advisor to ensure you fully understand your obligations before relocating.
Education: Finding a School for Kids
Expatriate families seeking high-quality academic opportunities will find Singapore to be an exceptional choice. The city-state’s elementary and high school systems are recognized among the best in the world, especially in STEM (Science, Technology, Engineering, and Mathematics) subjects. Renowned institutions such as the National University of Singapore and Nanyang Technological University rank among the top universities globally, offering prestigious programs and conducting impactful postgraduate research in fields like life sciences, finance, and machine learning.
For families moving to Singapore with children, the array of international schools provides an excellent pathway for continuing their education. Schools like Stamford American International School create an inclusive environment that emphasizes strong academic rigor while also supporting the holistic development of each child. Furthermore, many international schools offer a rich selection of extracurricular activities, making it easier for your child to adapt and thrive as they transition from their home country.
Healthcare: Clinics, Hospitals, Insurance
Singapore’s healthcare system is supported by an impressive national insurance scheme that offers subsidized services through public hospitals and clinics. This system ensures that all contributors receive a high standard of care, regardless of their background. Additionally, the country boasts a well-established private healthcare sector, catering to those who prefer personalized services or need faster access to medical procedures.
As a foreigner without insurance, you may rely on private healthcare, which typically means covering most medical expenses out of pocket. However, many employers provide private health insurance as part of their employment benefits. It’s also a good idea to consider purchasing insurance coverage for yourself and your family to help manage healthcare costs.
To keep healthcare expenses manageable, staying healthy and active is key. Singapore offers numerous options for maintaining your fitness. While private gyms are popular, they can be on the pricier side. Thankfully, the city-state is home to many free parks and bike paths that provide excellent opportunities for exercise. With an extensive park connector network and protected hiking trails throughout the area, you can easily enjoy the outdoors while prioritizing your physical and mental well-being.
Transportation
Singapore offers a variety of affordable transportation options, including an extensive network of rail lines and public buses. For those who prefer private transport, taxis and ride-sharing services are easily accessible. If you enjoy the outdoors, consider cycling along the extensive network of bike paths that connect various parts of the island.
Obtaining a car and driving license in Singapore is straightforward. The country accepts International Driving Permits (IDPs) as well as English-translated licenses from your home country. However, owning a car may not be the most practical choice unless you have a large family or a high-paying job. High taxes are in place to manage vehicle ownership in this land-scarce city-state, and parking fees can also add to the overall cost. Fortunately, you won’t miss having a car, as Singapore’s public transportation system is reliable and highly regarded as one of the best in the world.
Food
Singapore’s culinary scene is a vibrant highlight of life in the city-state, offering a diverse range of food options. From affordable yet high-quality hawker stalls to world-class Michelin-starred restaurants, there’s something for everyone to enjoy.
For those who prefer to cook at home, you’ll find that most food ingredients are reasonably priced compared to international standards, although specialty items may come at a higher cost. Thanks to Singapore’s multicultural community, you can easily find a variety of options, including halal, vegetarian, and vegan foods, ensuring that everyone can enjoy delicious meals tailored to their preferences.
Vacation and Leisure
While Singapore has fewer public holidays compared to many developed countries, each holiday holds significant cultural importance for the diverse local communities. Employees typically enjoy mandated leave ranging from 7 days for newcomers to 14 days after 8 years of service. Some international employers may offer additional leave as part of their benefits package.
Living in Singapore provides a unique opportunity to explore the culturally rich countries nearby. With its strategic location, many regional and international destinations are just a few hours away by plane, making travel both convenient and appealing. Thanks to Singapore’s excellent air travel infrastructure and linkages, you can easily plan weekend getaways to experience the stunning attractions of ASEAN and North Asia.
On regular days off, you’ll also find a wealth of leisure activities right in Singapore, from a diverse selection of dining options to vibrant shopping and nightlife experiences.
Useful Websites
Finding job opportunities, rental flats, and even rides in Singapore is often just a matter of accessing the right website. Check out these websites and apps before you move to Singapore:
Job Portals
Accommodation Platforms
- Facebook Groups
Transportation Apps
Government Websites
Internet and SIM Cards
When moving to Singapore with your family, establishing reliable internet and mobile connectivity is crucial. Singapore boasts an excellent telecommunications infrastructure, featuring leading providers like Singtel, StarHub, and M1, all offering high-speed fiber broadband plans. These plans often include additional benefits, such as bundled TV channels and home phone services, along with efficient installation processes. You’ll also find Public Wi-Fi widely available in cafes, malls, and public spaces, keeping you connected while you’re out and about.
Getting a SIM card in Singapore is a simple process, with a variety of prepaid and postpaid plans available from major providers. Many newcomers prefer prepaid SIM cards for their flexibility, while postpaid plans can offer great value with added benefits like extra data and international roaming options. With Singapore’s strong mobile network coverage and high-speed data services, staying connected with family and friends, both locally and overseas, is effortless.
Cleanliness
Singapore is celebrated as one of the cleanest cities in the world, a distinction earned through a strong sense of community and shared responsibility for public spaces. Thanks to this collective effort and clear guidelines for public conduct, you’ll find that shared areas are well-kept and largely free of litter. While you might occasionally notice food aromas, it’s impressive how clean this densely populated city remains.
The National Environment Agency plays a key role in maintaining cleanliness, but it’s the contributions of individuals and the local culture that truly make a difference. Embracing the same commitment to cleanliness as the locals can help ensure a smooth transition as you settle into your new home.
Climate and Weather
Singapore’s island location and proximity to the equator give it warm and humid weather throughout the year. From December to March, the weather tends to be slightly cooler and wetter, thanks to the northeast monsoon winds, while warmer and drier conditions prevail from June to September. The periods between monsoons can bring unpredictable weather, with occasional storms and increased humidity.
For newcomers, adjusting to the heat and humidity can be a challenge. While it may take some time to acclimate to Singapore’s tropical climate, there are plenty of air-conditioned public spaces, like malls and transport hubs, where you can find relief. Additionally, air conditioning is commonly found in homes, so you’ll have a comfortable environment as you settle in.
Cultural and Social Integration
While Singapore is known for its modern, westernized lifestyle, its residents largely uphold traditional Asian values that emphasize community over individuality. These values remain important even as the country’s political practices draw from British traditions. Understanding this cultural foundation is essential for fostering positive relationships with colleagues and neighbors during your time here.
To ease your transition, consider connecting with expat groups, community centers, and professional networking opportunities. These resources can help you build friendships and integrate more smoothly into Singapore’s vibrant community.
Safety and Security
Singapore is renowned for its strong commitment to law and order, consistently ranking among the safest cities in the world. This reputation is largely due to effective law enforcement measures that deter crime. The country boasts a transparent legal system and a well-respected police force, contributing to a low crime rate. Whether you’re out early in the morning or late at night, you can feel confident walking the streets, as petty crimes are rare.
Language and Communication
English is widely spoken in Singapore and is the primary language used in most professional settings. However, many Singaporeans also communicate in their native languages at home, reflecting the country’s rich cultural diversity. Among friends and close acquaintances, you might hear a casual form of English known as ‘Singlish.’ This unique blend incorporates words and phrases from Singapore’s Chinese, Malay, and Indian heritage. While it may take some getting used to, you’ll find it becomes easier to understand as you interact with locals.
While learning Singlish or other local languages isn’t essential, many Singaporeans are comfortable speaking standard English. If you want to enhance your experience in Singapore, exploring these languages can offer deeper insights into the vibrant cultures around you, making your time here even more rewarding.
Pet Guidelines
If you’re considering bringing a pet to Singapore, it’s essential to familiarize yourself with the National Parks Board Animal & Veterinary Service guidelines. While many pets can make the journey, please note that Singapore has restrictions on exotic animals and certain breeds of dogs and cats.
If your pet is eligible, you will need to prepare for a considerable amount of paperwork. Singapore prioritizes biological security, so obtaining the necessary ownership and import licenses is crucial for a smooth transition.
Upon your pet’s arrival, there are specific tests and certifications required, depending on your country of origin. For dog owners, an annual license fee is applicable, and adherence to leash laws in public spaces is mandatory. Additionally, be aware of any property guidelines regarding pets.
Despite these requirements, many pet owners find Singapore to be a welcoming environment, featuring numerous pet-friendly parks and establishments. Connecting with local pet clubs and associations can provide valuable support before and after your move, helping you and your furry friend feel right at home.
Government Services
In Singapore, government services are widely recognized for their efficiency and accessibility. However, it’s important to note that as foreigners, you and your family may not have access to the complete range of public education, healthcare, housing, and social support services.
Fortunately, there are numerous resources available to assist expatriates, especially entrepreneurs. The public transportation system, as well as employment, finance, and legal services, are all maintained to a high standard, enhancing Singapore’s reputation as a vibrant global city-state.
Uncover Opportunities in Your New Home
While Singapore may not always be top of mind outside of Asia when considering relocation destinations, its strong economic growth and exceptional quality of life make it a prime choice for expatriate families seeking a high standard of living. This guide aims to help you navigate the unique challenges and opportunities that come with moving to this vibrant city-state, ensuring that your transition is a smooth and positive experience.
One of the best things about moving to Singapore is the opportunity for your family to access high-quality international education at Stamford American International School. To discover more about what Stamford American can offer your child, please reach out to our admissions team. They are ready to provide insights into the enriching experiences available at our school. We also encourage you to schedule a tour of our campuses to better understand the holistic approach to education that Stamford American offers.
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