What Expats Often Underestimate When Moving to Singapore for Work

1. The True Cost of Living

Singapore is often ranked among the world’s most expensive cities. While salaries for expats are competitive, many underestimate the high costs of housing, schooling, healthcare, and daily expenses. Rent for central, expat-friendly neighborhoods can be especially steep, and international school fees add up quickly for families.

Tip:
Research housing options early, consider living further from the CBD, and negotiate your relocation package to include allowances for rent, healthcare, and education.

2. Work Culture and Expectations

Singapore’s work environment is dynamic, fast-paced, and performance-driven. Many expats are surprised by the emphasis on efficiency, punctuality, and professional hierarchy. Overtime is common in certain industries, and expectations for deliverables can be high.

Tip:
Familiarize yourself with local business etiquette, respect hierarchies, and communicate clearly. Building trust and rapport with your team is essential.

3. Housing Market Complexity

The process of securing accommodation in Singapore can be competitive and fast-moving. Expats often underestimate the paperwork involved, upfront costs (like deposits and agent fees), and the need to act quickly when a suitable property becomes available.

Tip:
Work with a reputable property agent, have your documents ready, and be prepared to make quick decisions.

4. Healthcare System Navigation

Singapore has a world-class healthcare system, but it operates differently from many Western countries. Public healthcare is subsidized for citizens and PRs, but expats typically rely on private healthcare and comprehensive insurance plans.

Tip:
Ensure your employer provides adequate health insurance or purchase a private plan that covers both routine and emergency care.

5. Social Integration and Support Networks

While Singapore has a vibrant expat community, it can still be challenging to build a local network. Many expats underestimate how much effort it takes to make friends outside the workplace and adapt to local customs.

Tip:
Join expat groups, attend professional networking events, and explore local community activities to broaden your support network.

6. Rules, Regulations, and Compliance

Singapore is known for its strict laws and regulations, from residency registration to employment conditions. These requirements form part of Singapore’s broader regulatory and compliance framework, which expats and employers must understand to avoid penalties.

For official guidance on work passes and employment rules, refer to the Ministry of Manpower (MOM). Immigration matters such as entry passes, permanent residency, and long-term stay are administered by the Immigration & Checkpoints Authority (ICA).

 Tip:
Educate yourself on key regulations, such as work pass requirements, housing rules, and public conduct, to avoid costly mistakes.

7. Long-Term Planning: PR and Family Considerations

Some expats later consider permanent residency or bringing family members. Eligibility and long-term planning often depend on the type of Singapore immigration pass they hold.

Tip:
Start preparing early if you want to apply for PR. Keep thorough records of your employment, contributions, and community involvement.