Dreaming of living in Rarotonga? For many, the idea of moving to a tropical island is the stuff of daydreams: a life of sun, sand, and a slower pace. But for a select few, this dream becomes a reality, and the island of Rarotonga in the Cook Islands is often the destination of choice.
Known for its breathtaking natural beauty and famously friendly locals, Rarotonga offers a unique lifestyle that is both captivating and challenging.
If you’re considering making the big leap, this guide will walk you through the essential steps and key considerations for a smooth transition to island life.
Because guess what?
WE’VE DONE IT TWICE!
This is our second time moving to the Cook Islands and our second time living in Rarotonga. So not only can we share our experience of moving, shipping, health checks and all that is living in Rarotonga. We also have the most up to date deets about renting a house, buying a car – and all about living in this beautiful island that we get to call home.
Let’s get into all that is about moving to and living in Rarotonga!
- Moving to Rarotonga
- Visas & Immigration
- Medical Checks
- Employment
- Shipping
- Housing
- Phone & Internet
- Transportation
- Healthcare
- Education & Schools
- Banking
- Supermarkets
- Cost of Living in Rarotonga
- Culture & Religion
- Living in the Cook Islands
Moving to Rarotonga: The Big Picture
The first thing to understand is that Rarotonga is not just a holiday destination; it is a living, breathing community. The island operates on “Raro time,” a relaxed pace that values relationships and community over hustle and bustle. While this is one of its most appealing qualities, it also means that many of the services and processes you’re used to may take longer. Patience is not just a virtue here; it’s a necessity.
Moving here requires you to embrace this mindset from day one. You’ll be joining a diverse mix of locals (Cook Islanders), New Zealanders, and other expats who have all fallen for the island’s charm.
But call us bias, we always reaffirm that moving to the Cook Islands and renting a house in Rarotonga is one of the best decisions we’ve ever made!
Read all about:
- PART 1 – Moving to Rarotonga, Cook Islands
- PART 2 – Navigating Health Checks for Your Move to Rarotonga
- PART 3 – Shipping for Your Move to Rarotonga
- PART 4 – Finding and Renting a House in Rarotonga
- PART 5 – Buying a Car in Rarotonga
Visas & Immigration – Moving to Rarotonga
Securing the correct visa is the single most important step in your journey. As a self-governing nation in free association with New Zealand, the Cook Islands has its own immigration laws. Visitors from most countries can enter for a period of up to 31 days without a visa, but if you plan to stay longer, you’ll need to apply for a permit.
The most common route for those looking to move and work is a work permit, which typically requires a job offer from a local employer. It is nearly impossible to get a work permit without a formal job offer. Other options include a residency permit for those who meet specific investment or retirement criteria.
It is highly advisable to consult with the Cook Islands Ministry of Foreign Affairs and Immigration or the Cook Islands High Commission in New Zealand for the most up-to-date and accurate information.
Hey! We are Away With The Steiners. Wondering about the Pros & Cons of Living In Rarotonga?
Medical Checks – Moving to Rarotonga
Before being granted a long-term visa or work permit, most applicants are required to undergo a medical examination. This is a standard procedure to ensure that new residents are in good health and do not pose a public health risk.
The check typically includes a general physical examination and a blood test. You’ll need to obtain a medical certificate from a qualified doctor, often in your home country, to submit with your application.
Employment – Living in Rarotonga
The job market on Rarotonga is small but active, particularly in tourism, hospitality, retail, and construction. However, it is highly competitive, and employers often prefer to hire locals first.
As mentioned, having a job offer is a prerequisite for a work permit, so job hunting should be your first priority. Websites like Cook Islands Jobs and local Facebook community pages are good places to start looking. Many people find success by networking and making connections on the ground.
Districts and Villages – Living in Rarotonga
Rarotonga is divided into several districts and smaller villages, each with its own unique character. The capital, Avarua, is the main commercial hub with government offices, banks, and most of the shops. Muri is the tourism heartland, famous for its lagoon and night market. Other popular areas include Arorangi, Titikaveka, and Ngatangiia.
Each area offers a different vibe, from the bustling center of Avarua to the quieter, residential feel of the outer villages. Choosing where to live often depends on where you’ll be working and your personal lifestyle preference.
Our first time living in Rarotonga, we lived in Arorangi – right down the southwest point of the island in Aroa. We loved that area and couldn’t imagine living anywhere else! This time though, we live in Nikao and absolutely rate it as our home-away-from-home community on the island.
Housing – Moving to Rarotonga
Finding a home on Rarotonga can be a challenge. The rental market is small and moves quickly. There are a variety of housing options, from simple studios to multi-bedroom houses. But the supply is limited.
Most rentals are found through word-of-mouth or on local Facebook groups. Expect to pay a premium for properties near the beach or in popular areas like Muri.
These are the average costs (2026) of renting a house in Rarotonga:
- 4 Bedroom House with A/C, Garage, Swimming Pool: $600 – 750 p/w
- 3 Bedroom with A/C: $500 – 600 p/w
- 3 Bedroom with Carport: $400 – $500 p/w
- 2 Bedroom: $300 – $400 p/w
- Beachfront Studio: $300 p/w
- Studio with Kitchenette: $250 p/w
It’s often best to come to the island with temporary accommodation booked and then search for a long-term rental once you’ve arrived and can see properties in person.
Wondering about the Pros & Cons of Living In Rarotonga?
Shipping – Moving to Rarotonga
Moving from New Zealand to Rarotonga requires careful planning, especially when it comes to shipping your belongings. Most household goods are transported via sea freight, and several companies, including Matson, Raro Freight, and Pacific Forum Line, offer regular services from Auckland to Rarotonga’s Avatiu Port.
You’ll typically have two options: Less than Container Load (LCL) for smaller shipments or a Full Container Load (FCL) for a whole house.
Each time that we have moved to Rarotonga as a family we have had an allowance of 4m³.
The process involves packing, customs clearance in New Zealand, ocean transit (which usually takes about two weeks), and then customs inspection and final delivery in Rarotonga.
Be aware of Cook Islands Customs and biosecurity regulations; a detailed, declared inventory of your items is crucial. Prohibited items and certain goods like timber and food will have specific requirements or may not be permitted. Working with an experienced freight forwarder can simplify the entire process.
Phone and Internet – Living in Rarotonga
Communication on the island is primarily managed by Vodafone Cook Islands. They offer a range of prepaid and post-paid plans for both mobile and internet. Starlink is a new second option for internet and can make an affordable monthly option for unlimited WIFI living in Rarotonga.
The internet service has improved significantly in recent years but can still be slower and more expensive than in many other countries. Data is often a precious commodity, so most homes rely on Wi-Fi plans, while mobile users purchase data packs.
Many cafes and hotels offer public Wi-Fi. But it is often metered and requires a prepaid voucher.
TRANSPORT – Driving License & Transportation
Rarotonga has a unique system for driving. If you have a valid foreign license, you must get a local one from the police station in Avarua. This involves a simple written test for a car license and a practical test (driving around the block) for a scooter license.
While you can drive a car on your foreign license for a short period, it’s best to get a local one as soon as possible. The Cook Islands license is also a popular souvenir!
Renting a Vehicle vs. Buying
Renting a vehicle is a good option for the short-term, but it can get expensive. A scooter is the most popular form of transport and is a great way to experience the island.
If you’re staying for a long period, buying a secondhand car or motorbike is often a more cost-effective choice. The secondhand market is small, and vehicles can be expensive due to import costs. But they are a great investment for your independence.
Fuel Costs – Living in Rarotonga
Fuel costs in Rarotonga are similar to those in New Zealand:
- Petrol: 205 cents per litre
- Diesel: 201 cents per litre
Our small car costs around $50 NZD for petrol for a that lasts us around one week. Remember, the speed limit is only 50 kmph!
TRANSPORT – WOF and Registration
Cars in Rarotonga need a warrant of fitness every 6 months. Though in saying that, the criteria for ‘fitness’ of a vehicle over here is somewhat different from home!
Registration for a vehicle is annual and expires (for all vehicles) on the 31st of March each year.
Vehicle registration can be purchased from the BCI in Avarua or online.
Healthcare – Moving to Rarotonga
The main hospital, Rarotonga Hospital, is located in Avarua. It provides basic medical services, emergency care, and some specialist services. For more complex procedures, patients are often referred to New Zealand. There are also a few private clinics and general practitioners.
Each village also has a localized ‘Puna’ or clinic. These are Community Health Clinics that have been established to provide basic health services including nursing care, baby checks, wound dressings, and doctors consultations on certain days.
In Avarua, there is a central CITC Pharmacy right on the main street in town.
Dental Care – Moving to Rarotonga
Dental care is available, though services can be limited. It is highly recommended to have comprehensive travel or medical insurance that covers evacuation to New Zealand in case of a serious emergency.
Schools – Living in Rarotonga
For families moving with children, Rarotonga offers a number of schools, including primary and secondary options. The education system is based on the New Zealand curriculum. There are also a few private schools on the island.
The small class sizes and close-knit community atmosphere can be a fantastic environment for children, but it’s essential to research and visit the schools before making your final decision.
We might be bias – but we have been so happy with Apii Nikao! It is our second time living in Rarotonga and both times our kids have been enrolled at Apii Nikao. We are huge supporters of this extended primary school (Year 1 – 8) and have only good things to say about it – do ask us if you want to know more!
Banking
There are three main banks in the Cook Islands:
Each bank has a main branch in Avarua. There are ATMs around Rarotonga and Aitutaki and EFTPOS in some hotels and shops.
Setting up a bank account is a straightforward process. But you will need to provide proof of your identity, address, and residency or work permit. Having a local bank account is essential for getting paid and managing day-to-day finances.
Supermarkets
The main supermarkets on the island are CITC (Cook Islands Trading Corporation), Prime Foods, and a few smaller stores. These supermarkets stock a surprising variety of goods, including many imported products from New Zealand.
However, because most items are imported, the prices can be significantly higher than you’re used to. For fresh produce, the Punanga Nui Cultural Market on Saturday mornings is the best place to go.
Cost of Living – Moving to Rarotonga
The cost of living in Rarotonga can be high, particularly for imported goods. Rent, utilities, and fuel can all be quite expensive. However, you can save money by eating local produce and fish, and by embracing a simpler lifestyle.
The best way to manage costs is to live like a local, which often means cooking at home more and enjoying the island’s natural, free entertainment rather than relying on expensive tourist activities.
Hey! We are Away With The Steiners. Wondering more about Living In Rarotonga?
Food
The local cuisine is a delicious blend of Polynesian traditions and modern influences. Fresh fish is a staple, often prepared in dishes like ika mata.
Local produce like taro, breadfruit, and coconuts are abundant. There are numerous restaurants and cafes around the island, catering to all tastes and budgets.
The Muri Night Market is a must-visit for affordable and authentic local food.
Price of Food – Moving to Rarotonga
For a rough idea of supermarket food prices, here are some of the items with a price in NZD:
- Milk (1L Anchor UHT): $4.50
- Loaf of Sliced Bread: $7.50
- Drinking Coconut: $5
- Beer (can): $3.50
- Wine (bottle): $16 – 20
- Cheese (250gm Colby): $9.50
- Yoghurt (1kg Easiyo): $18.50
- Coffee (instant; Moccona 100g): $12.50
- Flour (1kg): $4.30
- Rice (1kg): $5.50
- Eggs (dozen): $12.50
- Baked Beans (can): $3.60
- Weetbix (large box): $10.20
- Toilet Paper (12 pack): $10.60
Drinking Water
Rarotonga currently has a gravity-fed water distribution system. There are 12 main intakes around the island from streams and freshwater sources that is collected and fed into storage tanks or directly into the water infrastructure.
Like most of the islands in the pacific, the water in Rarotonga is not chemically treated. Thus, the majority of tap water in houses in Rarotonga is not safe for drinking as the bacteria has not been filtered.
However, Rarotonga has a great system of drinking water stations in the local villages around the island. There are about 48 ‘Water Stations’ in total. These are essentially a table and water tap system with one or two filtered drinking water taps. All you need is to bring a container to collect your water in.
Culture – Living in Rarotonga
The culture of the Cook Islands is a cornerstone of daily life. Family (anau) and community (aronga) are paramount. The local language, Cook Islands Māori, is spoken alongside English. Christianity plays a central role in the community, with beautiful white churches in every village.
Religion – Moving to Rarotonga
Sunday is a day of rest, with many businesses closed. Attending a Sunday church service is a wonderful way to experience the powerful singing and community spirit.
Sports and Recreation
The island offers a vast playground for outdoor enthusiasts. The lagoon provides perfect conditions for snorkelling, kayaking, and stand-up paddleboarding. The ocean is great for scuba diving and fishing. On land, you can explore the Cross Island Track and other hiking trails, or join a local sports team for rugby, netball, or soccer.
The warm weather and stunning scenery make it easy to stay active and healthy.
- Read Hiking In Rarotonga and Beaches In Rarotonga.
Living In Rarotonga: Making The Move
Moving to Rarotonga is an adventure, a commitment, and a profound change of pace. While there are logistical hurdles to overcome, the rewards of living in such a beautiful and welcoming community are immeasurable. With a little bit of planning, a lot of patience, and an open mind, you too can make your dream of island life a reality. Go well! 🙂
Read More About Rarotonga
- All About The Rarotonga Bus.
- Essential Tips On Visiting Cook Islands.
- All About The Markets In Rarotonga.
- Places To Eat In Rarotonga On Sunday.
- Renting A Car In Rarotonga.
- How To Buy A Car In Rarotonga.
- Finding And Renting A House In Rarotonga.
- Rarotonga Reef Explorer Tour With Ariimoana.
- Is Dengue Fever A Worry For Travel To Rarotonga?
Travel Planning for Cook Islands and Beyond
These are the companies we use while traveling as a family and that we would recommend to anyone planning and booking travel.
- Booking.com – The best all-around accommodation booking site that constantly provides the cheapest and lowest rates. They have the widest selection of budget accommodation and it’s easy to filter and sort into price and availability with all the extras you are looking for personally.
- Skyscanner – This is by far our favourite flight search engine. They are able to search small websites and budget airlines that larger search sites often miss. We book all our flights through Skyscanner.
- GetYourGuide – Get Your Guide is a huge online marketplace for tours and excursions offered all around the world. Everything from walking tours, to street-food tours, cooking classes, desert safari’s and more!
- SafetyWing – A global travel insurance that covers people from all over the world while outside their home country. You can buy it short or longterm; and even if you are out of the country.
- World Nomads – Travel insurance tailored for longterm travel and nomads including those who have already left home. Make sure you have travel insurance before traveling to the Cook Islands!
Hi! I’m Sarah. I am the self-confessed dreamer, travel-schemer and the main editor behind this blog. I love to write, and it is a dream come true to share so many experiences together and inspire others in our stories.