Moving to Dubai from US: Everything You Need to Know

Moving to Dubai from US is an exciting opportunity, offering tax-free income, world-class infrastructure, and a luxury lifestyle. But before you pack your bags, there are essential steps to ensure a smooth transition. From handling US tax obligations to setting up your finances abroad, proper planning makes all the difference.

If you’re serious about moving to Dubai from US, here’s what you need to take care of before making the leap.

Pre-Move Essentials

Relocating to Dubai requires more than just booking a flight. Americans living in Dubai must make sure they remain compliant with U.S. tax laws, financial institutions, and government agencies while setting up a new life in the UAE.

IRS and Tax Obligations

The U.S. taxes its citizens regardless of where they live. Before moving to Dubai, you should:

• File a final tax return as a U.S. resident
• Inform the IRS of your foreign address using Form 8822
• Consider the Foreign Earned Income Exclusion (FEIE) to reduce tax liabilities

U.S. Department of State

Staying connected with U.S. authorities while abroad is crucial too. Here is the beurocracy you need to take care of before you move:

• Register with the Smart Traveler Enrollment Program (STEP) for travel updates and emergency support
• Keep a valid U.S. passport with at least six months of validity

Social Security Administration

If you’re receiving Social Security benefits, notify the SSA about your move to ensure uninterrupted payments.

Banking and Financial Institutions

What do you do with your finances? Here some key aspects to keep in mind:

• Notify your bank of your international relocation to avoid account freezes.
• Set up international banking—some best offshore banking destinations offer multi-currency accounts.
• Consider a UAE bank account to streamline payments and local transactions.

Postal and Government Services

Finally, the last things to take care of before you relocate to Dubai are the following:

• Set up mail forwarding with USPS to receive important correspondence.
• Notify your local DMV and cancel voter registration if applicable.

Now that we have covered the pre-move essentials, let’s move on to our comprehensive guide on how to move to Dubai from US.

How to Move to Dubai: Step by Step Guide

Don’t know how to move to Dubai? To start with, you need to figure out the type of residence visa you’ll need for a smooth transition.

So let’s cover that first!

1. Visa and Residency Options

Visa on Arrival

If you’re moving to Dubai from US, the good news is that US passport holders can enter the UAE with a visa on arrival for up to 90 days. However, if you plan on living in Dubai as an American for the long term, you’ll need to apply for a residence visa.

UAE Residence Visas

Unlike some countries, the UAE doesn’t offer permanent residency, but its residence visas provide many of the same benefits. Here are the main options for Americans living in Dubai long-term:

Work Visa

A work visa is the most common pathway for expats relocating to Dubai. It’s issued when a UAE-based employer sponsors your visa and work permit.

Requirements:

• Must be at least 18 years old
• Valid passport, academic qualifications, and medical certificate
• Sponsorship from a UAE employer who handles visa processing

Costs & Duration:

• Work permit fees range from AED 200 to AED 5,000, depending on job category
• The initial work permit is valid for 30 days, extendable to 60 days
• Once employed, you must obtain a Residence Visa and Labour Card, valid for 1 to 3 years

Golden Visa

Introduced in 2019, the Golden Visa is a long-term, self-sponsored visa designed for investors, entrepreneurs, professionals, and skilled individuals. This visa allows for 10-year residency with family sponsorship and provides key benefits like tax exemptions and access to local services.

Costs & Processing Time:

• Fees start at 10,131 AED for investors
• Application process takes 72 hours to 30 days

Eligibility for the Golden Visa:

• Investors in Public Investments: AED 2 million+ investment with proof of ownership and tax contributions
• Real Estate Investors: Must own property worth AED 2 million+ or finance through approved bank loans
• Entrepreneurs: Must own a project valued at AED 500,000+ and receive approval from UAE authorities

Retirement Visa

For expats aged 55 and above, the Golden Visa initiative includes a 5-year retirement visa with financial conditions:

Requirements:

• AED 1 million in savings or investments OR
• A stable monthly income of AED 15,000+

Costs:

• AED 3,755, including residency fees, Emirates ID, and medical checkups

Business Setup Visa

If you’re an entrepreneur moving to Dubai, setting up a business can secure your residency. Free zones allow 100% ownership and a streamlined visa process.

Costs:

• Starting from AED 21,000 in the northern Emirates
• Ranges from AED 22,000 to AED 56,000 in Dubai, depending on the free zone

Freelancer Visa

The freelancer visa is ideal for digital nomads and remote workers living in Dubai as an American.

Costs:

• Starts at 12,000 AED for a 2-year validity
• Includes freelance permit, establishment card, and medical test
• Additional fees apply for permit renewals and workspace rental

New Tax Residency Rules (Effective from March 2023)

To be considered a UAE tax resident, you must meet at least one of these conditions:

• Physical Presence: Spend at least 90 days per year in the UAE OR 183 days consecutively
• Permanent Residence or Economic Ties: Own a permanent home in the UAE or conduct significant business activities

2. Flight and Shipping Costs

For those moving to Dubai from US, airfare is one of the first expenses to consider. One-way flights from major US cities like New York, Los Angeles, and Chicago to Dubai typically range from $700 to $1,500 USD, depending on the season, airline, and class of travel. Booking in advance and flying during off-peak times can help reduce costs. Direct flights are available through airlines like Emirates, Etihad, and Qatar Airways, offering convenient and comfortable travel options.

If you’re planning to bring household goods, shipping costs vary based on volume, origin, and service type. A 20-foot container—suitable for a small household—costs between $2,000 to $5,000 USD when shipped from the East Coast to the UAE, excluding customs duties and additional logistics fees. For larger households, a 40-foot container may be required, increasing costs. Working with a reputable international moving company ensures a smoother process, from packing and freight handling to customs clearance in Dubai.

3. Transferring Funds and Best Banks

Setting up a bank account in the UAE is a crucial step when moving to Dubai from US. Proper financial planning ensures smooth transactions, easy access to funds, and a seamless transition into the UAE’s banking system. Here’s what you need to know about opening an account, transferring funds, and choosing the right bank.

Opening a Bank Account in the UAE

To open a personal bank account, you’ll typically need:

• A valid passport and visa
• A UAE residence permit (if applicable)
• Proof of address in the UAE (rental agreement or utility bill)
• A letter from your employer or proof of income
• A completed application form from the bank

While the process is straightforward for most expats, US citizens often face additional challenges due to financial regulations.

Challenges for US Citizens

The Foreign Account Tax Compliance Act (FATCA) requires banks worldwide to report financial details of US account holders to the IRS. As a result, some UAE banks apply additional scrutiny or take longer to process applications for US citizens. In some cases, account opening may take several weeks.

If you hold dual citizenship, be aware that UAE banks require full disclosure of your US nationality, regardless of which passport you use for banking purposes.

Best Banks for Expats in the UAE

Choosing the right bank depends on your financial needs, whether it’s day-to-day banking, investment management, or business transactions. Here are some of the best options for Americans living in Dubai:

• Emirates NBD – Large branch network, excellent digital banking services.
• First Abu Dhabi Bank (FAB) – The UAE’s largest bank, offering a full suite of financial solutions.
• Standard Chartered Bank – Well-established, providing both conventional and Islamic banking options.
• Dubai Islamic Bank (DIB) – A top choice for those interested in Sharia-compliant banking services.
• Mashreq Bank – Known for digital banking innovation and strong customer service.
• Abu Dhabi Commercial Bank (ADCB) – Offers tailored financial solutions for individuals and businesses.
• RAKBANK – Strong focus on customer support and diverse banking products.

For expats relocating to Dubai, setting up a local bank account as soon as possible is key to managing expenses, paying rent, and accessing UAE-based financial services without delays.

4. Living in Dubai as an American

For Americans moving to Dubai, adapting to a new lifestyle is an exciting transition. The city is known for its modern infrastructure, safety, and world-class amenities, making it an attractive destination for expats. However, understanding the cost of living, cultural norms, and daily conveniences is essential for a smooth relocation. Here’s what to expect when living in Dubai as an American.

Cost of Living

Dubai offers a high standard of living, but expenses can vary depending on lifestyle and location. Rent is one of the biggest costs—a one-bedroom apartment in central areas like Downtown Dubai or DubaiMarina ranges from $1,500 to $3,000 USD per month. More affordable options are available in Jumeirah Village Circle (JVC), Al Barsha, and Dubai Silicon Oasis, where rent for a one-bedroom starts at around $1,000 USD.

While Dubai is tax-free on personal income, other costs such as utility bills, groceries, and entertainment can add up. Dining out ranges from $15 to $30 per meal, while a monthly gym membership typically costs between $80 to $150 USD. Many expats opt for private health insurance, which varies based on coverage and provider.

Language and Cultural Adaptation

Although Arabic is the official language, English is widely spoken in both business and daily interactions. Most signs, menus, and official documents are available in English, making it easy for Americans living in Dubai to navigate the city without a language barrier.

Dubai is a culturally diverse city, home to a mix of Western, Middle Eastern, and Asian influences. While it offers a relaxed and cosmopolitan lifestyle, it’s important to be mindful of local customs, such as dressing modestly in certain areas and respecting religious practices.

Weekend and Work Culture

Unlike the traditional Monday-Friday workweek in the U.S., Dubai follows a Saturday-Sunday weekend. This shift was introduced to align more closely with global financial markets, making it easier for professionals to do business internationally. The work culture is fast-paced and highly professional, with many industries operating in a hybrid or flexible work model.

Transportation and Getting Around

Dubai has a modern and efficient transportation system, but many expats prefer to own or lease a car due to the city’s spread-out layout and hot climate.

• Public transport options include buses, taxis, and the Dubai Metro, which connects major areas.
• Monthly transportation costs range from $100 to $200 USD, depending on commute frequency.
• Ride-hailing apps like Careem and Uber are widely used and easily accessible.
• For those driving, fuel is relatively cheap, but parking costs and traffic congestion should be considered when choosing a location to live.

Food, Safety, and Daily Life

Dubai is known for its diverse culinary scene, with restaurants catering to every cuisine imaginable—from fine dining to affordable street food. Grocery prices are comparable to major U.S. cities, with international supermarkets like Waitrose, Spinneys, and Carrefour offering familiar brands.

One of Dubai’s biggest advantages is safety. The city has one of the lowest crime rates globally, with strict laws and heavy surveillance ensuring a secure environment. Whether walking at night, using public transport, or living in residential communities, safety is rarely a concern for expats in Dubai.

5. Comprehensive Cost of Living Comparison: USA vs. UAE

How does the cost of living compare when moving to Dubai from US? From daily expenses to transportation costs, Dubai offers significant savings in key areas, making it an attractive destination for expats. Here’s a breakdown of how costs stack up between the United States and the UAE.

General Comparison

	Cost of Living Index 2024	Big Mac Index 2024 (USD)
USA	64.77	$5.69
UAE	55.84	$4.90
Notes	Overall lower cost of living in UAE	Cheaper in UAE

Food & Dining Costs

	Basic lunchtime menu	Combo meal in fast food restaurant
USA (USD)	$20.00	$11.00
UAE (USD)	$11.98	$8.98
Notes	Cheaper in UAE	Cheaper in UAE

Transportation Costs

	Monthly ticket public transport	1 liter of gas
USA (USD)	$132.00	$3.483
UAE (USD)	$50.00	$0.81
Notes	Cheaper in UAE	Cheaper in UAE

Note : The cost of a monthly public transport ticket in the United States will vary significantly depending on the city. For example, in New York City, the cost for an unlimited monthly MetroCard is $132 (NBC New York) . This cost can be higher or lower in other cities, but NYC provides a good benchmark as it is one of the largest public transit systems in the country.

Housing: Rent and Buy Prices

	Rent (1-Bedroom, City Centre)	Apartment Purchase Price (per sqm, City Centre)	Apartment Purchase Price (per sqm, Outside City Centre)
USA (USD)	$1,800 – $5,000	$4,786.37	$3,785.15
UAE (USD)	$1,610.97	$3,874.96	$2,627.34
Difference	Cheaper in UAE	Cheaper in UAE	Cheaper in UAE

Note: The US rental market varies significantly, with cities like New York and San Francisco exceeding $5,000 per month for a two-bedroom, while more affordable locations like Houston average around $1,631. This disparity, reflected in the Gini index, shows that national averages alone don’t accurately represent rental affordability across the country.

Rent Payments

Rent structures vary significantly between the US and the UAE, impacting how expats need to budget for housing. In the US, rent is typically paid on a monthly basis, with payments made through bank transfers, online platforms, or checks. New tenants often need to cover the first and last month’s rent upfront, along with a security deposit. Additional fees, such as application costs or realtor commissions, may also apply depending on the location. Leases generally last for one year, though short-term rentals are available at higher rates.

In the UAE, the payment system works differently. Rent is usually paid quarterly in advance, often using post-dated checks or bank transfers. This means tenants must plan for larger lump-sum payments at the start of each quarter. Security deposits and agency fees are also common when securing a lease. While one-year contracts are standard, some landlords offer discounts for those willing to pay the entire rent upfront. For those relocating from the US, adjusting to this system requires careful financial planning.

Salary Payments

Another factor to consider when moving to Dubai from US is the salaries.

In the US, employees are typically paid biweekly or monthly, with direct deposit being the most common method. Some companies still issue paper checks, but this is becoming less frequent. Salaries can be structured on an hourly or fixed basis, with employment contracts and state labor laws determining the payment schedule.

In the UAE, salaries are almost always paid monthly via direct bank transfer, aligning with the country’s quarterly rent payment structure. Unlike the US, where hourly wages are common, most employees in the UAE receive fixed, contract-based salaries. The Wage Protection System (WPS) ensures payments are processed through government-approved channels, adding an extra layer of financial security for expatriates. For Americans moving to Dubai, understanding these differences is essential for managing cash flow effectively.

6. Taxes

One of the biggest financial advantages of living in the UAE is the absence of personal income tax. Expats moving to Dubai from the US won’t owe any local income tax on their earnings. However, as of June 2023, the UAE introduced a corporate income tax that applies to businesses incorporated, formed, or managed within the country.

Double Taxation Agreements (DTAs)
Let’s face it: DTA-s are not exactly our best friends. And although the UAE has tax treaties with many countries, the US is unfortunately not one of them. This means that while expats won’t pay UAE income tax, they still have US tax obligations. The good news is that US expats are only taxed on income earned within the UAE, with no additional local tax burden.

Foreign Earned Income Exclusion (FEIE)
To reduce their US tax liability, American expats can use the Foreign Earned Income Exclusion (FEIE), which allows them to exclude up to $120,000 of foreign-earned income from US taxation for the 2023 tax year (filed in 2024). To qualify, expats must meet either the Bona Fide Residence Test (proving long-term residence in the UAE) or the Physical Presence Test (spending at least 330 full days outside the US in a 12-month period).

For Americans living in Dubai, understanding tax obligations is crucial. While the UAE offers a tax-free income environment, staying compliant with US tax laws ensures a smooth financial transition.

7. Healthcare

The UAE boasts a high-quality healthcare system with advanced medical facilities, well-trained professionals, and modern hospitals across both the public and private sectors. While residents can access public healthcare, expatriates are generally required to have private health insurance, which provides broader coverage and access to top-tier medical services. The cost of private health insurance in the UAE typically ranges from $500 to $1,000 USD annually, depending on the level of coverage and provider.

With a strong emphasis on healthcare innovation and accessibility, Dubai and Abu Dhabi have become leading medical hubs, ensuring expats moving to Dubai from the US receive world-class treatment comparable to top Western healthcare systems.

Essential Information for Expats in Dubai

Relocating to Dubai involves more than just financial and logistical planning—it also requires an understanding of driving regulations, education options, and local laws. Here’s what expats need to know to navigate daily life in the UAE.

Driving Regulations and Renting a Car

For expats with a valid US driver’s license, driving in Dubai is straightforward. While an International Driving Permit (IDP) is recommended, it is not mandatory for short-term stays. The minimum driving age is 18, and like in the US, driving is on the right-hand side of the road.

For those looking to rent a car, the minimum age is typically 21, though some rental companies require drivers to be 25 or older. A valid US license or IDP is required, and it’s advisable to opt for comprehensive insurance for added protection.

American Curriculum Schools for Expats in the UAE

For American expat families, Dubai offers numerous international schools following the US curriculum, making the transition smooth for students. These schools emphasize inquiry-based learning, student-centered education, and extracurricular development, ensuring students are well-prepared for higher education in the US or internationally.

The American curriculum in the UAE starts at Kindergarten (age five) and continues through Grade 12, culminating in the American High School Diploma—recognized by US universities and many global institutions. These schools maintain high academic standards while integrating cultural and language diversity, creating an ideal environment for expat children.

Dubai Local Laws, Customs & Culture

Dubai has strict regulations in place regarding alcohol consumption, public behavior, drug laws, and traffic offenses. Expats should familiarize themselves with these laws to avoid fines, imprisonment, or deportation.

• Alcohol laws: Only non-Muslim residents can legally consume alcohol, and they must obtain an alcohol license to drink at home or in licensed venues. Dubai enforces a zero-tolerance policy for drink driving, with severe penalties.
• Traffic laws: Drivers must always carry a valid license, insurance, and vehicle registration. Traffic offenses, including reckless driving and speeding, come with heavy fines.
• Drug laws: The UAE has some of the strictest drug laws globally. Even certain prescription medications require approval, and possession of banned substances carries severe penalties.
• Public decency laws: Dressing modestly is expected, particularly in public spaces, government buildings, and malls. Public displays of affection for unmarried couples are prohibited, and swearing or rude gestures can lead to legal consequences.

Understanding and respecting local laws and customs is essential for a smooth and trouble-free experience in Dubai. Expats should stay informed through official guidelines and always err on the side of caution.

Final Thoughts

Moving to Dubai from US comes with significant advantages—from tax-free income and world-class infrastructure to cultural diversity and a thriving expat community. While adjusting to a new financial system, visa requirements, and lifestyle may take some planning, the rewards of living in one of the world’s most dynamic cities far outweigh the challenges. With the right preparation and understanding of local regulations, relocating to Dubai can be a seamless transition that opens the door to greater financial freedom, business opportunities, and a high quality of life.

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FAQs

1. Can Americans live in Dubai permanently?

Dubai does not offer permanent residency, but expats can stay long-term by renewing residence visas, which are typically valid for 1 to 10 years, depending on the visa type. The Golden Visa provides the longest validity and is ideal for investors, entrepreneurs, and skilled professionals.

2. Do Americans have to pay taxes while living in Dubai?

The UAE does not impose personal income tax, meaning expats pay zero local tax on their earnings. However, US citizens are still required to file US tax returns and may need to report foreign income under IRS regulations. Expats can benefit from the Foreign Earned Income Exclusion (FEIE) to reduce their taxable income.

3. How much money do you need to move to Dubai?

The cost of relocating to Dubai depends on visa fees, housing deposits, and initial living expenses. Rent typically requires upfront quarterly or annual payments, and securing a residence visa comes with associated costs. Expats should budget at least $10,000 to $15,000 USD for the initial move, including flights, housing, and essential expenses.

4. Is healthcare free in Dubai for expats?

No, expatriates are required to have private health insurance. The cost varies based on coverage but typically ranges from $500 to $1,000 USD annually. Many employers provide health insurance as part of the relocation package, but expats should check their policy for coverage details.

5. Is it easy to find a job in Dubai as an American?

Dubai has a strong demand for skilled professionals, especially in finance, tech, healthcare, and business sectors. However, securing a work visa requires employer sponsorship. Networking, applying through recruitment agencies, and leveraging industry connections can improve job prospects for Americans moving to Dubai.