Ireland Retirement Guide for US Citizens

Country Population: 5,082,811

Weather in Ireland is characterized by its variability, with the possibility of experiencing different seasons in a single day. Generally, May and June are the sunniest months, receiving around 5-6.5 hours of sunshine per day, particularly in the southeast. April is typically one of the driest months, while October is often the wettest. In terms of temperature, July and August are usually the warmest months, averaging between 15-20°C (59-68°F). Conversely, February is one of the coldest months, with average temperatures around 5°C (41°F) in Dublin​.

Regarding precipitation, Ireland is well-known for its frequent rainfall, particularly on the west coast, which receives more rain than the east. Annual rainfall varies, with eastern areas receiving between 750 and 1,000 mm, while the west averages between 1,000 and 1,250 mm. In mountainous regions, rainfall can exceed 3,000 mm annually.

Ireland offers a two-tier healthcare system, ensuring both public and private healthcare options for residents and visitors. The public healthcare system, managed by the Health Service Executive (HSE), is available to all residents, including expatriates planning to stay for more than a year. However, certain groups, like students and retirees, must have private health insurance for their visa applications. The public system, while comprehensive, is often criticized for long wait times and crowding, prompting many to opt for private health insurance for quicker and more comfortable service.

The private healthcare sector in Ireland provides an alternative with faster access and more choice regarding healthcare providers. Nearly half of the Irish population chooses private insurance, a testament to the system’s long wait times and desire for enhanced comfort and choice in healthcare services. Expatriates particularly benefit from international health insurance plans, offering broader coverage that includes services outside Ireland, ideal for those who travel frequently.

For retirees and non-European students, demonstrating comprehensive private health insurance is a prerequisite for obtaining residency. These policies offer broader coverage, including private hospital services, ensuring a safety net for healthcare needs.

The typical flight duration from New York to Dublin is approximately 6 to 7 hours for a direct flight. Direct flights from San Francisco to Dublin typically have a duration of around 11 hours and both destinations are available daily.

The price range for direct flights from San Francisco to Dublin can vary widely, depending on the season, booking time, and airline might range from around $400 to over $1000.

Ireland holds the third position in the Global Peace Index, reflecting its high level of safety and peace. Additionally, the US Department of State classifies Ireland at Level 1, indicating that travelers should exercise normal precautions, which underscores Ireland’s status as an extrmely secure destination.

Ireland’s rank as the 10th in the Gallup Migrants Acceptance Index, and its 3rd position in Europe, signify its welcoming attitude toward migrants, including US expats. This, combined with its high safety standards, makes Ireland an appealing destination for those looking to relocate.

Consumer prices and rent in New York are significantly higher than in Dublin. Specifically, consumer prices excluding rent are over 40% higher, and when including rent, New York is nearly 58% more expensive. Rent alone is over 80% higher in New York. Eating out in New York costs about 34% more, and groceries are over 60% pricier. Despite these costs, the local purchasing power in New York is almost 11% higher than in Dublin.

In New York, the cost of living is significantly higher compared to Dublin. Renting a one-bedroom apartment in the city center of New York costs about $4,189.81, which is nearly double the price in Dublin. Similarly, purchasing an apartment in the city center per square foot is around $1,644.57, showing a substantial increase over Dublin’s prices. Eating out and grocery shopping are also more expensive in New York, with restaurant and grocery prices notably higher than in Dublin.

In New York, dining out and grocery shopping are notably pricier. For instance, an inexpensive restaurant meal averages $30 in New York versus $21.49 in Dublin. Grocery items reflect this trend as well; a gallon of milk in New York costs about $5.91 compared to Dublin’s $5.27. Similarly, a loaf of white bread is $4.30 in New York, significantly higher than Dublin’s $1.63. These comparisons highlight the substantial cost difference between the two cities.

For US expat retirees in Ireland, the tax situation can vary based on residency status and income sources. Generally, US expats are taxed in Ireland on their worldwide income if they are considered tax residents, which usually means living in Ireland for more than 183 days in a tax year. However, the US-Ireland tax treaty can help prevent double taxation.