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Kenya
🇰🇪 Kenya

Kenya

The whole move — visa, taxes, insurance, money and cost of living — in one place.

Visa & Residency
Class N Permit
Comfortable solo budget
€1,850/mo
Stay
2 years
Taxes Abroad
Standard resident taxation

Living in Kenya

The visa is step one. Here is the rest of what it takes to live here — each researched and sourced.

Good to know

  • Deep, layered market: bare unfurnished long-lets, fully furnished/serviced apartments and an active Airbnb short-let scene coexist, so nomads can land mid-term without an annual lease
  • Agent commission on rentals is often the landlord's cost rather than the tenant's, lowering upfront burden (though splits vary)
  • Kenya replaced NHIF with the Social Health Authority (SHA) on 1 October 2024, organizing public coverage into the Primary Healthcare Fund, the Social Health Insurance Fund (SHIF) and the Emergency, Chronic and Critical Illness Fund.
  • English is an official language and is spoken fluently by most doctors and clinicians in both public and private hospitals, so language is rarely a barrier to care.

Watch out for

  • Move-in cash stacks up: deposit (1-2 months) + first month + separate water and electricity/meter deposits, often totaling 3-4 months' rent equivalent
  • Weak statutory protection for market-rate tenancies — the Rent Restriction Tribunal only covers dwelling-houses renting at or below KES 2,500/month, so your written lease is your real safeguard; scrutinize deposit-refund and notice clauses
  • Public SHA/SHIF cover is not automatically free for nomads: non-Kenyans who are ordinarily resident must register and contribute to SHIF (2.75% of income, minimum KES 300/month), and under Section 26(6) of the Social Health Insurance Act non-citizens staying under 12 months must hold a designated travel health insurance cover — so practical access usually requires registration or private cover.
  • Out-of-pocket payments are high and public facilities can face overcrowding, long waits and equipment shortages, so comprehensive private or international health insurance (ideally with medical evacuation) is strongly advisable.

Cost of living

Nairobi €700–€1,200/mo
Cost of living →

Qualifying insurance

Qualifying insurance →

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