China flag

Xiamen, China

Xiamen, China Hero Image
Wikipedia Contributor, CC BY-SA
🌊 Coastal

Data updated Oct 8, 2026

Follows China Residency Rules. Check Digital Nomad & Retiree Pathways →

📊 Scores

86
FIRE
69
Retiree
73
Digital Nomad

Best fit: FIRE / Geoarbitrage (score: 86)

Xiamen sits on the southeastern coast of China, a subtropical city of 4.3 million people where the air carries a salty breeze and the climate stays mild through most of the year. The city's expat community is medium-sized, and most newcomers gravitate toward the Siming District for its central convenience and the scenic Huandao Lu corridor for its waterfront views. Gulangyu, the car-free island just offshore, is a favorite day trip rather than a residential choice. With an elevation of just 10 meters above sea level, the city feels open and low-slung, and the pace of life here is noticeably more relaxed than in China's megacities.

Living costs in Xiamen are remarkably low, especially when compared to local wages. A one-bedroom apartment in the city center rents for $349/mo, while the same unit outside the center costs $265/mo; a three-bedroom in the center runs $825/mo, dropping to $547/mo outside. A single adult can live on a budget tier total of $340/mo, including rent, or step up to a mid-range tier of $529/mo, or a comfortable tier of $668/mo. Excluding rent, a single person's monthly costs average $514/mo, and a family of four spends about $1,925/mo. Utilities run $44/mo, internet $10/mo, a mobile plan $9/mo, and a monthly public transport pass is just $12/mo. An inexpensive restaurant meal costs $3, a three-course meal for two at a mid-range spot is $23, and a cappuccino is $2. The average local monthly net salary is $1,157/mo, meaning that even a modest income goes a long way here.

Safety is a strong point for Xiamen, with a safety index of 75/100 and a crime index of just 25/100, where lower is safer. The city feels secure for solo travelers and families alike, and the healthcare quality is rated as good. English proficiency is limited, so learning a few phrases of Mandarin will help with daily interactions, but the expat community is established enough to provide a support network. The air quality index is 68, which is moderate, so those with respiratory sensitivities may want to monitor conditions, though the coastal location helps keep things breathable.

Getting to Xiamen is straightforward via the nearest airport, XMN, located just 8 km from the city center. Visa options exist for long-term stays, though specific program names are not detailed here; travelers should check current regulations before planning an extended visit. Xiamen suits a range of lifestyles: it scores 86/100 overall for expats, 88/100 for FIRE enthusiasts, 73/100 for retirees, and 76/100 for digital nomads. With an average internet speed of 90 Mbps, remote work is feasible, and the low cost of living makes it an attractive base for those looking to stretch their savings. Whether you are drawn by the mild climate, the affordable rent, or the safe streets, Xiamen offers a comfortable, low-stress introduction to life in China.

Estimate the cost of moving to Xiamen, China

Get a free moving cost estimate for moving to Xiamen, China. Takes 10 seconds.

How much are you shipping?

When are you moving?

Powered by Sirelo. Free quotes from international movers.

🏚️ Cost of Living

💰 Budgets and Costs

$571/mo, one person, rent included
Selected: mid-range lifestyle

Xiamen at the mid-range tier comes to about $571 a month for one adult, with $265 of that going to rent. Beyond rent the estimate covers $103 on groceries, $30.00 on dining out, $98.00 on entertainment and lifestyle, $63.00 on utilities and connectivity and $12.00 on transport.

Rent

$265/mo

1BR outside the centre

Groceries

$103/mo

Staples basket scaled to a full month

Dining out

$30.00/mo

10 inexpensive meals

Entertainment & lifestyle

$98.00/mo

gym, 2 cinema trips, 12 cappuccinos

Utilities & connectivity

$63.00/mo

utilities, mobile, internet

Transport

$12.00/mo

Monthly pass

Budgets (excl. rent)

Single person$306/mo

Excludes rent. The total above is all-in, rent included.

Estimates for one adult, built from this city's average prices and the usage shown for each tier. Your spending will differ with how often you eat out and where you live.

A 1BR in the center runs about $348.64/mo. If your income is in another currency, bank FX fees add up. A multi-currency account can cut that cost.

See low-fee transfers

We may earn a commission at no cost to you.

See how Xiamen's cost of living compares with Jinshi

Be the first to report costs in Xiamen

Share

🛡️ Safety & Crime

75
Safety Index

(Higher is safer)

25
Crime Index

(Lower is safer)

Xiamen is genuinely safe for expats, with low violent crime and strong police presence. Petty theft and scams targeting foreigners occur occasionally—watch for taxi overcharging, counterfeit goods, and online shopping fraud. Avoid displaying expensive items and use registered taxis or apps like Didi. The main concern is political sensitivity around Taiwan-related discussions and surveillance of foreign residents, though this rarely affects daily life. Overall, it's one of China's safer cities for expats, comparable to Singapore in practical safety, though with different governance considerations.

🏥 Healthcare

Good
Public Hospitals
Yes
Private Clinics
Yes
English-Speaking Doctors
Available

See how Xiamen's healthcare compares with Jinshi

🌤️ Climate

Climate Zones
Subtropical
Summer Temp
39°C
Winter Temp
4°C
Humidity
73%
Air Quality Index
68
Annual Rainfall
1345 mm

Best Months

AprMayOctNov

Climate Notes

Xiamen has a subtropical climate with hot, humid summers (June-September, peaks at 39°C) and mild winters (December-February, lows around 4°C), with a monsoon season bringing heavy rainfall; expats should expect year-round humidity averaging 73% and prepare for typhoons in late summer.

💻 Digital Nomad

Avg Internet Speed
90 Mbps
Internet (monthly)
$10/mo
Coworking Availability
Moderate
Coworking Spaces Nearby
0
Digital Nomad Score
73/100

Community Notes

Xiamen offers a unique blend of modern amenities and scenic coastal views for digital nomads.

Coworking Spaces

NameNotes
WeWork Xiamen International CenterLocated in the Siming District, this WeWork offers a modern, international vibe with standard WeWork amenities. It's a good option for those seeking a familiar coworking experience and networking opportunities.
Regus Xiamen International PlazaSituated in Siming District, Regus provides a professional and reliable workspace. It's a solid choice for those who prefer a more traditional office environment with flexible terms.
Base Co-working Space (软件园二期)Located in the Software Park II area, this coworking space is popular with tech startups and entrepreneurs. It offers a more local and community-focused atmosphere, ideal for those looking to connect with the Chinese tech scene.
创客猫(厦门)众创空间A local coworking space with multiple locations in Xiamen, including one in the Siming district. It caters to startups and small businesses, offering a budget-friendly option with a focus on community and collaboration.

Names, locations and hours can change. Check each space's website before you visit. Places from © OpenStreetMap contributors and Foursquare Open Source Places (Apache 2.0).

Working remotely from Xiamen? Nomad health insurance covers you across borders, month to month.

See nomad insurance

We may earn a commission at no cost to you.

See how Xiamen's digital nomad life compares with Jinshi

🧳 Expat Life

English Proficiency
Limited
Expat Community
Medium
Top Neighborhoods
Siming District, Huandao Lu, Gulangyu (visit)
Banks Nearby
56
ATMs Nearby
3

Expat Life Notes

Often called the most livable city in China, Xiamen is an island city with a high quality of life and a clean environment.

Pros

  • ✓ Excellent air quality
  • ✓ Scenic coastal environment
  • ✓ Friendly locals

Cons

  • ✗ Rising real estate prices
  • ✗ Island geography can feel small
  • ✗ High humidity

🏘️ Neighborhoods in Xiamen

Areas of Xiamen that expats often consider.

Conditions can change from one block to the next, and these descriptions are general guides, not safety assessments. Before choosing where to stay or live, check current travel advisories, talk to people who live there, and visit in person if you can.

Gulangyu Island

Car-free, historic, touristy, charming

A UNESCO World Heritage Site, Gulangyu is known for its colonial architecture, piano museum, and beaches. While beautiful and walkable, it's very touristy and can be crowded. Rent is higher due to its popularity and limited housing options; access is by ferry only.

Siming District (Downtown)

Bustling, commercial, convenient, modern

The heart of Xiamen, Siming offers easy access to shopping, restaurants, and transportation. Expect a fast-paced urban environment with higher living costs. Many expats choose this area for its convenience and proximity to amenities, but it can be noisy.

Zengcuo'an

Coastal, artsy, lively, tourist-oriented

A former fishing village turned into a popular tourist spot, Zengcuo'an is known for its street food, art galleries, and beaches. It's a vibrant area with a younger crowd, but can be very crowded and noisy, especially during peak season. Rent is moderate, but expect tourist markups.

Huli District

Residential, modern, business-oriented

Huli is a more modern and residential area, with a mix of apartments and office buildings. It's less touristy than Siming or Gulangyu, offering a more local experience. Good transportation links make it easy to get around, and rent is generally more affordable.

Page 1 of 2

Could living/working in Xiamen cut years off your work life?

With a 1-bedroom in the center at $349/mo, your FIRE number here might be much lower than you think.

Calculate My FIRE Date →

🛂 Visa Options for China

Many long-stay visas require proof of health insurance. Compare international health plans before you apply.

Compare health insurance

We may earn a commission at no cost to you.

🛂

Not sure which China visa you qualify for?

Answer 11 questions and get a personalized match in under 2 minutes.

Find My Visa

More Cities to Consider instead of Xiamen

FAQ

Frequently Asked Questions about Xiamen

Click any question to expand the answer.

Share This Guide