Moving To Rarotonga: Everything You Want To Know About Living In Cook Islands.

Call us bias, but we reckon moving to Rarotonga is one of the best decisions we’ve ever made! It’s exciting, it’s different and moving from New Zealand it’s not actually all that far away…

If you are ready to embrace all that embodies the island lifestyle and the beautiful culture of the Cook Islands, then moving to Rarotonga is about to be one of the best decisions you will make too.

There are challenges that come with adapting to this kind of life. We call that ‘Paradise Tax’!

But if you can toss aside those expectations that life here will be the same as at home (just more tropical) and get ready for an entirely new adventure – you are going to fit right in…

So welcome newcomer!

Here’s everything you need to know about moving to Rarotonga.

Moving to Rarotonga, Cook Islands

• Culture
• Language
• Climate
• Money, Banking & Insurance
• What To Wear
• Renting A House In Rarotonga
• Food & Drinking Water 
• Transport & Getting Around
  – Buying A Car
  – Buying A Motorbike
• Healthcare 
• Internet & Communications
• Moving To Rarotonga With Kids
• What You Might Need
• What You Don’t Need

Our Second Time Moving To Rarotonga

If you’re considering making the big leap, this comprehensive guide will walk you through the essential steps and key considerations for a smooth transition to island life. 

Because guess what? WE’VE DONE IT TWICE!

This is our second time moving to the Cook Islands and our second time living in Rarotonga. So not only can we share our experience of moving, shipping, health checks and all that is living in Rarotonga. But we also have the most up to date deets about renting a house, buying a car – and all about living in this beautiful island that we get to call home.

We’ve even made an entirely new website – Away To Rarotonga – all about making the move!

Read on for everything about the first steps and about what life is like living in Rarotonga as an expat. These are our experiences and observations after moving to Rarotonga ourselves. Essentially, these are all the tips we would tell a friend!

Read All About: 

• PART 1 – Moving to Rarotonga, Cook Islands (This Guide!)
• PART 2 – Navigating Health Checks for Your Move to Rarotonga
• PART 3 – Shipping for Your Move to Rarotonga
• PART 4 – Finding & Renting a House in Rarotonga
• PART 5 – Buying a Car in Rarotonga

About The Cook Islands, Quickly

• Capital: Avarua, Rarotonga
• International Airport: Rarotonga is the only island with an international airport
• Population: 17,800
• Language: Cook Island Maori, English
• Currency: NZD 
• Driving Side: Left
• Religion: Majority Christian

The Cook Islands is made up of 15 major islands spread over 2,200,000 km² of South Pacific ocean.

The islands are divided into two distinct groups: the Southern Cook Islands and the Northern Cook Islands.

Visas: Moving To Rarotonga

As long as you’re staying no more than 31 days (90 days if you’re a New Zealand citizen) your valid passport is the only entry permit you need, along with proof of onward journey.  

It is possible to stay for up to five months more as a tourist visitor. New Zealanders can apply for a three month extension and other nationals for a month at a time but you’ll need to extend your entry permit –  at the Department of Immigration in Avarua. In both cases, there is a fee for the privilege.

To live and work in the Cook Islands you will require an entry permit with permission to work.

To satisfy criteria to obtain a work permit you must be sponsored by a person or organisation in the Cook Islands agreeing to your employment.

• Tip: Details for a work permit here.

Culture: Moving to Rarotonga

Moving to Rarotonga means immersing yourself in a culture that is deeply communal, vibrant, and welcoming. The Cook Islands lifestyle is a beautiful blend of Polynesian heritage and European influence, characterized by a relaxed pace and a strong sense of community.

Cook Islanders are friendly and welcoming, and the lifestyle is happy with the laid back vibes of Polynesia.   

The “Island Way” is built on friendliness and hospitality. You will find that life here revolves around family, faith, and tradition. While the vibe is laid-back, the customs are deeply respected and form the backbone of daily life.

🎊 Traditions and Ceremonies

In the Cook Islands, both life and death are honoured with significant customary events. As a new resident, you’ll likely be invited to or expected to participate in these celebrations, particularly through your workplace. (Read on about transparency for when you give your first Koha!).

Cook Islanders are very proud to share their traditions and carry forward their culture.

Key Cultural Events:

• Hair Cutting Ceremonies: A significant rite of passage for young boys.
• Headstone Unveilings: A major event held a year or more after a funeral to honour the deceased.
• Investiture of Traditional Titles: Ceremonies for the naming of Ariki (chiefs).
• Funerals, Birthdays, and Family Reunions: Large-scale gatherings that often involve the entire community.

💼 Workplace Etiquette & “Collections”

Integrating into a local workplace (like a school or office) involves understanding the local system of support. Though I’ve got to say this was quite a shock settling in after first arriving and starting work!

• Financial Contributions (Koha): It is common practice for an envelope to be passed around the office to collect monetary gifts for a colleague’s family event or bereavement. Even if you don’t know the person it is often passed to you to offer some kind of Koha(!).
• Transparency: Be aware that donations are often recorded with your name and the amount given. This is a standard local practice so the recipient family can acknowledge the donor. (Sorry!).
• The “Bring a Plate” Rule: For almost any meeting or small celebration, there is an unspoken expectation to contribute food. Sharing a meal is the primary way Cook Islanders connect and show respect.

💡 Tip: Food is the heart of every celebration. Whether it’s an Umu (earth oven) feast or a simple office morning tea, participating in the food culture is important in the Cook Islands.

🤝 Social Tip

When in doubt, observe and follow the lead of your local colleagues. The culture is very forgiving of newcomers, but showing effort—whether through a small donation or a plate of food—goes a long way in building lasting relationships.

Language

The official languages are Cook Islands Māori and English. New Zealanders who speak te reo will have an advantage.

Some useful phrases in Cook Islands Māori: 

• Hello: Kia Orana
• Good morning: Popongi
• Goodbye: Aere ra
• Thank you: Meitaki 
• Thank you very much: Meitaki ma’ata 
• Yes: Ae
• No: Kare
• How are you? Pe’ea koe?
• My name is _: Ko _ toku ingoa. 
• How much is this? E a’a te moni i teia? 

Weather & Climate: Moving to Rarotonga

Life in Rarotonga is defined by the rhythm – and weather – of the tropics. While the island is blessed with year-round warmth, there is a whole new climate pattern to understand for anyone making the move.

☀️ The Two Seasons

Rarotonga doesn’t follow the traditional four-season calendar.

Instead, the climate is divided into two distinct periods:

• The Dry Season (April – November): This is often considered the most pleasant time of year. With an average temperature of 26°C, the air is crisp and the humidity is low.
• The Wet Season (November – March): AKA ‘The Hot Season’! Temperatures climb between 22°C and 30°C. You’ll notice WAY higher humidity and daily “tropical showers”—brief, heavy bursts of rain that usually clear quickly to reveal blue skies.

🐳 Tip: If you’re a nature lover, July to October is whale-watching season. You can often spot Humpback whales breaching right from the Rarotonga foreshore!

⚠️ Extreme Weather & Safety

Living in paradise does mean learning about natural tropical island weather hazards. While rare, extreme weather events do occur.

Cyclone Season (November – March)

This period aligns with the warmer months. Obviously (history-wise) direct hits are uncommon. But the island does experience high wind warnings and tropical depressions.

• Stay Informed: Monitor regional weather forecasts during these months.
• Preparation: Local businesses and neighbours are great resources for learning how to secure your property.

Tsunami Awareness

Tsunami warnings can be triggered by seismic activity across the Pacific (such as the significant warning in March 2021 following a New Zealand earthquake).

This was our first time getting a Tsunami warning after moving to Rarotonga and it was ‘an experience'(!). Our kids school closed and everyone was evacuated. The Tsunami didn’t eventuate but there were seriously high waters that came right across the road in Aro’a towards our house.

• Take it Seriously: If a warning is issued, schools and workplaces evacuate to higher ground immediately.
• Don’t Be “That Person”: Never head toward the coast to take photos during a warning.
• Community First: If you are unsure of the evacuation routes, ask your neighbors or follow the local flow of traffic inland.

🔗 Useful Weather Resources

Bookmark these sites to stay updated on daily forecasts and local news:

• Cook Islands Meteorological Service – For official weather alerts and tide charts.
• Cook Islands News – The primary source for local headlines and community updates.

Money: Moving to Rarotonga

Moving to the Cook Islands is an exciting transition, but managing your finances requires a bit of local know-how when settling into life in Rarotonga.

💰 Currency & Daily Spending

The Cook Islands uses the New Zealand Dollar (NZD). While you’ll use familiar banknotes, keep an eye out for unique Cook Islands coins.

• Cash is King: Rarotonga remains a largely cash-based society. While supermarkets and convenience stores generally accept EFTPOS, you will need physical cash for:
  • Local markets and roadside stalls.
  • Workplace collections or community events.
  • Many smaller cafés and restaurants.
• Local Coins: Be aware that Cook Islands-specific coins cannot be exchanged or used outside of the country.

🏦 Banking in Rarotonga

One of your first priorities should be opening a local bank account. Your company will likely take you there when you arrive as they set up your contract.

There are three primary banks located in the main township of Avarua:

1. ANZ
2. BSP (Bank South Pacific)
3. BCI (Bank of the Cook Islands)

ATM Access & Fees

ATMs are readily available across Rarotonga and Aitutaki. If you are using a New Zealand-based card, be mindful of the following withdrawal fees:

• ANZ: $7.00 NZD per withdrawal.
• BSP: $5.50 NZD per withdrawal.
• BCI: Free for Kiwibank customers (at the Avarua branch).

Pro Tip: Be cautious with automatic payments. Unlike in NZ, local banks often charge a transaction fee (sometimes as high as $2.50 NZD per payment) for scheduled transfers.

💸 Transferring Funds Overseas

If you need to send or receive money internationally, you have two main options:

• Western Union: Located on the main road in Avarua. Note that it gets very busy during the holiday season.
• Bank Transfers: Moving money from a NZ account to a Cook Islands account typically incurs a fee of $15–$25 NZD per transaction.

🛡️ Insurance

Protecting your vehicle and household contents is straightforward. It also isn’t too expensive in the Cook Islands compared to insurance at home.

You can visit two main providers in Avarua for a personalised quote based on your location:

Provider	Location
Tower Insurance	First Floor, BCI Building
FPI Insurance	Federal Pacific House

What to Wear in Rarotonga

Some of the best advice for moving to Rarotonga? Don’t overpack! You’ll find that life on the island has its own beautiful rhythm and dress code that you’ll want to adopt as soon as you land.

🌺 Get Dressed in Island Pareu

Get yourself a Pareu the moment you arrive!

Pareu is traditionally the Cook Islands name of a sarong or lava-lava.

But here Pareu also refers to modern island-wear, in the form of beautifully coloured dresses and brightly patterned island shirts. There are often ‘Kia Orana Days‘ at workplaces and schools. This means that everyone comes dressed in ‘Pareu wear’ – beautifully coloured island shirts and dresses.

• What is it? It’s a versatile wrap-around piece of fabric worn by both men and women.
• Daily Life: Wear it casually at home or get dresses made in Pareu fabric for formal events.
• Kia Orana Days: Many workplaces and schools have these special days where everyone wears “Pareu wear”—vibrant, patterned island shirts and stunning colourful dresses.

⛪ Culture & Modesty

Modesty is a core value in the Cook Islands.

• Town & Villages: Please avoid swimwear or skimpy clothing in public areas.
• Beach Etiquette: If you’re at a local family beach, stay covered! If you’re too exposed, don’t be surprised if a local Mama chases you off with a kikau (coconut frond) broom!
• Formal/Church: This is the time to dress up. Women should wear dresses or skirts, and men should opt for collared shirts and long trousers.

🛍️ Where to Shop for Island Wear

You don’t need to hunt for tropical prints back home. You can find beautifully made and affordable local styles right here:

• Tuki’s Pareu: Located on Ara Tapu, Avarua (Great for custom work!)
• Mareko Island Creations: Avarua (@shopmareko)
• CITC Shopping Centre: The main hub in Avarua
• Manini Wear: Visit them at the Punanga Nui Market
• Tina & Co: Located in Panama

Pro Tip: Check out the Second-Hand Shops! Departing expats often donate high-quality Pareu dresses and shirts. Check the SPCA Shop in Avarua.

🪡 Custom Tailoring & Uniforms

In Rarotonga, getting clothes custom-made is totally normal! Whether it’s for a sports club, a church group, or a social event, local tailors are experts.

• Fabric: Buy your own fabric at Vonnia’s or Tuki’s for about $10 NZD per metre.
• Tailoring Costs (Estimates):
  • 👚 Basic Top: $30–$40
  • 👗 Simple Dress: $50–$60
  • 👕 Men’s Island Shirt: $35–$45
  • 👧 Child’s Dress/Shirt: $30–$40

Final Advice: Your workplace will likely have a favourite local Mama who tailors. Trust them, leave the heavy suitcases behind, and embrace the island colours. I have got so many dresses made at Tuki’s and by Mama Nani and Pareu wear which I absolutely love. Don’t bring too much! 

Housing & Rental – Moving to Rarotonga:

Renting a house in Rarotonga is a unique experience. From the absence of formal street addresses to the “no taller than a coconut tree” building rule, here is everything you need to know about finding and securing a home in the Cook Islands.

What to Expect: Island Housing

Most long-term rentals are basic, furnished, and built from concrete block or synthetic cladding. Because of the tropical climate, houses are generally uninsulated and designed for indoor-outdoor flow.

• Essential Amenities: Most homes include 24-hour power (with occasional outages), local convenience stores within reach, and access to the island bus.
• The “Tropical Layout”: You will typically find a deck or a sheltered carport area that doubles as your primary living space.
• Key Checks: Before signing a lease, check for mosquito screens on windows and verify if water heating is gas or solar (solar will save you significant money).

The Cost of Renting a House in Rarotonga

The following rates apply to standard furnished homes. Beachfront properties or those booked during the NZ winter (high season) will have much higher premiums.

Property Type	Features	Weekly Rent (NZD)
Large (3-4 Bed)	AC, garage, swimming pool	$600 – $750
Large (3 Bed)	AC, carport, deck	$550 – $600
Medium (3 Bed)	AC or fans, carport, deck	$450 – $500
Small-Med (2 Bed)	Standard furnishings	$350 – $450
Small (1 Bed)	Standard furnishings	$250 – $350
Studio	Basic furnishings	$200 – $300

Choosing Where in Rarotonga

Rarotonga is roughly square-shaped, making it easy to navigate. But each side of the island offers a different lifestyle:

• North (Avarua): The commercial hub. It’s rugged and beautiful with mountain views, but the reef is very close to the shore, so it isn’t the best for swimming.
• East (Muri): The tourist heart. Home to the famous Muri Lagoon, this area is high-density and bustling during the peak season.
• South: Quiet and residential. This side offers beautiful beaches and a large, calm lagoon perfect for swimming without the crowds.
• West (Arorangi): The “Sunset Side.” Famous for iconic views and postcard-perfect swimming beaches.

How to Find a Rental in Rarotonga

Traditional addresses don’t exist here. You will quickly learn to describe your location by landmarks, such as “Next to the convenience store” or “Opposite the Fresh Fish sign.”

Timing your search: The best time to look is November and December. This is when many expat contracts (like teaching) end, causing a surge of availability for the following year.

Top Resources:

• Cook Islands Long Term Rentals (Facebook Group)
• Rarotonga Holiday Homes – Short or Long-term (Facebook Group)
• Jeff Tikitau Real Estate: Often has residential listings on their website.

Utilities & Waste Management – Moving to Rarotonga

When renting a home in Rarotonga, understanding the local infrastructure for power, gas, and waste is essential for budgeting and daily life.

Power & Gas

Most homes use a combination of electricity and LPG (gas) for daily operations.

• Cooking & Gas Bottles: Cooking is typically done via gas. You can swap standard 9kg gas bottles at most village petrol stations or at the main Toa Gas depot in Avarua. The current cost for a 9kg swap is approximately $51 NZD.
• Water Heating: Many houses are equipped with solar water heaters. Choosing a home with solar heating can significantly lower your monthly expenses.
• Electricity Costs: Monthly power bills generally range between $200 – $250 NZD, though this varies based on air conditioning usage and solar availability.
• Plugs & Voltage: The Cook Islands uses the same electrical plug sockets (Type I) and voltage (230V) as New Zealand and Australia.

Waste Management

Waste management is a critical issue in the Cook Islands due to limited land and the island’s fragile ecosystem. Residents are encouraged to be “conscious consumers” by minimizing the amount of plastic and non-recyclable waste brought onto the island.

Collection Schedule

Rubbish and household recycling are collected weekly. Collection days are determined by your district:

Day	Districts Covered
Monday	Paringaru, Ngatangiia to Matavera
Tuesday	Paringaru, Ngatangiia West to Vaimaanga
Wednesday	Rutaki North to Inave Rd, Ruaau Arerenga South
Thursday	Ruaau-Arerenga North to Nikao Panama
Friday	Avatiu East to Takuvaine and Atupa
Saturday	Tupapa Maraerenga

Note: Recycling is collected on the same day as your general household rubbish.

Food in Rarotonga

Most common goods and services are readily available on Rarotonga.  Prices range from similar to slightly higher than in New Zealand.

Because of the size of the island a huge majority of the food is imported from New Zealand.  Thus, the price of imported food is inflated to account for transport, shipping, handling and location. 

However, the good news is that there is also plenty of local produce available.  The main market in town stocks fruit and vegetables and is open daily.

• The main day for the market is Saturday, although there are some fruit and vegetable stalls that are open daily at the market.  

Each village has small public market stands that sell coconuts and fresh produce.

You won’t get far around the island before spotting these and if you are moving to Rarotonga you will soon get to know your friendly local market vendor!

Price of Food – Moving to Rarotonga

For a rough idea of supermarket food prices moving to Rarotonga, here are some of the items with a price in NZD:

• Milk (1L Anchor UHT): $4.50
• Loaf of Sliced Bread: $7.50
• Drinking Coconut: $5
• Beer (can): $3.50
• Wine (bottle): $16 – 20
• Cheese (250gm Colby): $9.50
• Yoghurt (1kg Easiyo): $18.50 
• Coffee (instant; Moccona 100g): $12.50
• Flour (1kg): $4.30
• Rice (1kg): $5.50
• Eggs (dozen): $12.50
• Baked Beans (can): $3.60
• Weetbix (large box): $10.20 
• Toilet Paper (12 pack): $10.60

Supermarkets – Moving to Rarotonga

Rarotonga has five major supermarkets and a wide network of convenience stores. Here is a breakdown of where to shop for groceries and household needs.

Major Supermarkets

• CITC Supermarket (Avatiu): The island’s largest supermarket. It features an extensive bakery, a large frozen section, homewares, stationery, and alcohol.
• Wigmores (Vaimaanga): The best destination for health-conscious shoppers. It stocks the largest range of organic, vegan, imported dairy, and dairy-alternative products. Alcohol is available.
• Prime Foods (Avarua): The primary wholesale meat supplier and generally the cheapest on the island. It also includes a boutique section for international foods from Asia and Europe.
• Patai CITC (Titikaveka): A new addition (opened 2025) providing groceries, fuel, hot/cold meals, and ice cream.
• Foodlands CITC (Avarua): A smaller, centrally located alternative to the main CITC, convenient for quick stops on the main road.

Convenience Stores & 24/7 Options

Medium-sized ‘minimarkets’ are scattered across the island, typically open from 6:00am to 9:00pm or midnight. They stock daily essentials like produce, bread, and toiletries.

24-Hour Stores:

• Super Brown: Located in Tupapa and Nikao.
• Oasis: Located in Nikao (open til midnight).

Other Notable Minimarkets:

• KAPS Store: Matavera
• CITC: Kavera

Most villages also host smaller private stores or branches of the Woo or Tex Mart (bright green) chains for basic needs.

• Read Supermarkets In Rarotonga.

Drinking Water in Rarotonga

Rarotonga uses a gravity-fed system sourced from 12 inland streams. Because the water is not chemically treated, tap water is generally not safe for drinking due to potential bacteria.

How to Get Clean Water

1. Village Water Stations (Free) There are approximately 48 filtered water stations located in villages around the island. These are free to use; simply bring your own containers and fill them at the filtered taps.

2. Vaima (Professional Service) Located in Nikao, Vaima is the island’s main water company. They sell professional-grade containers and offer hygienic sterilization and refilling services.

• 15L Water Bottle (Initial purchase, full): $39
• Non-Drip Tap Dispenser: $30
• Metal Stand: $25
• Vaima Refill & Sterilization: $6.50

Resident Strategy

A common approach for locals is to purchase a 15L Vaima bottle with a stand and dispenser for home use. We did this in each house we have lived in Rarotonga that hasn’t had filtered water. You can refill this for free at village water stations, then occasionally take it to Vaima for a $6.50 professional wash and refill to ensure the container stays hygienic.

• Read Everything To Know About Drinking Water In Rarotonga.

Furniture & Furnishings: Setting Up House in Rarotonga

When moving to Rarotonga, you’ll find that the rental market differs significantly from New Zealand or Australia. Most long-term rental properties are offered fully furnished, which can significantly reduce your initial shipping costs.

What to Expect in a ‘Furnished’ Rental

Standard furnishings in a long-term rental usually include:

• Whiteware: Fridge, freezer, and washing machine.
• Electronics: Television and basic lounge furniture.
• Kitchenware: Basic cutlery, crockery, and cooking utensils.
• Linens: Bedding and towels.

The Storage Gap: While houses are generally move-in ready, many family-sized homes lack built-in storage. You will likely find a need for additional wardrobes, sets of drawers, or shelving units to organize your belongings effectively.

Where to Shop on Island

If you need to supplement your rental’s furniture or buy new pieces, these are the primary retailers:

Store	Best For…
Next Shipment	Best Value. Online store with transparent pricing closest to NZ retail rates. Excellent service.
The Furniture Centre	Large items: Couches, desks, beds, and specialized storage cupboards.
Home & Living (Vonnia’s)	Bedroom-focused: Bedding, towels, and bedroom suites.
CITC Shopping Centre	General homeware, curtains, and high-quality bedding.
CITC Building Centre	The “Bunnings” of the island. Good for DIY storage solutions and hardware.
Paradise Supplies	Located in Panama; great for kitchen supplies and general homewares.

Estimated Pricing (New Items)

Prices reflect the cost of importing goods to the island. Use these benchmarks to decide whether to ship your own furniture or buy locally:

• Large Bedroom Drawers: $1,200+
• Small Bedroom Drawers: ~$1,000
• Narrow Tallboy: ~$700
• Storage Shelving: ~$300
• Coffee Table: ~$200

Second-Hand & Community Advice

The second-hand market is very active as residents move on or off the island. Joining local Facebook groups is the best way to find deals or ask for specific items:

1. Buy Sell Trade Cook Islands: The primary marketplace for used furniture and household goods.
2. Rarotonga Community and Beyond: A great resource for general advice and community recommendations.

Pro Tip: If you are shipping a container, consider “over-packing” storage solutions like plastic tubs or flat-pack shelving, as these are high-demand items that sell quickly if you don’t end up needing them.

Transport: Getting Around Rarotonga

Rarotonga is a relatively small island with a single main road circling its perimeter (approx. 32km). While it is easy to navigate, choosing the right mode of transport depends on your budget, lifestyle, and how much you enjoy the tropical elements.

🚌 Public Transport: The Bus

The public bus system is the only form of mass transit on the island. It is charmingly simple: there are two buses, one labeled Clockwise and one labeled Anti-Clockwise.

• The Route: The buses follow the main road around the island, stopping almost anywhere upon request as long as it is safe to pull over.
• Pricing:
  • Single Fare: $5.00 NZD
  • 10-Trip Concession: $30.00 NZD (This is the most cost-effective way to use the bus frequently).
• Schedule: The Clockwise bus usually runs on the hour, and the Anti-Clockwise on the half-hour, though things operate on “island time,” so a little patience is helpful.

• Read All About Getting The Bus In Rarotonga.

🚗 Private Vehicles

While the bus is reliable, most residents find that a private vehicle is essential for daily life, grocery shopping, and staying dry during the tropical downpours.

• Cars: The most convenient option for families and those commuting to Avarua. They provide air conditioning (sometimes) and protection from the rain.
• Motorbikes/Scooters: Extremely popular and fuel-efficient. It is the iconic way to see the island. But be mindful of safety—Rarotonga’s roads can be slippery when wet, and obviously you will get wet too in those pesky rain showers.
• Bicycles: A great way to stay active, especially if you live and work on the flatter coastal areas. However, the heat and humidity can make long rides exhausting if you aren’t used to the climate. Not to mention the lack of side verges on any of the roads!

💡 Key Considerations

• Convenience vs. Cost: If you are moving to Rarotonga long-term, we recommend a car for convenience. You will likely get your money back when you sell it at the end of your contract if you take car of it. (Good news!).
• The Speed Limit: Remember that the island-wide limit is 50km/h, with some village zones dropping to 30km/h. No matter what you drive, life moves at a slower pace here!

Transport: Buying a Car in Rarotonga

Purchasing a vehicle in the Cook Islands is a ‘unique’ experience. Without a centralised marketplace like Trade Me or Gumtree, you’ll rely heavily on social networks and local knowledge. Plus because of the cost of shipping and import duties, vehicle prices stay high even as the cars age. (Sorry!). 

🗺️ Where to Look

Since there is no Trade Me equivalent, most transactions happen through two channels:

1. Private Sales: Join local Facebook groups. These are the most active marketplaces:
   • Raro Wheel Deals
   • Buy Sell Trade Cook Islands
2. Commercial Dealers & Rentals: Some rental companies sell off older fleet vehicles, which can be a safer bet for maintenance records.

Pro-Tip: If you have a confirmed move date, start monitoring these pages weeks in advance. Good deals move quickly, and you’ll want to get a feel for the market before you land.

• Read All About Buying A Car In Rarotonga.

💰 Car Prices in Rarotonga

A common rule of thumb is to take the price of a similar car in New Zealand and add $3,000 NZD. This is what friends told us before moving to Rarotonga and I reckon it works out pretty accurate. It accounts for the high cost of importing vehicles to the island.

Current Market Prices:

• Small Hatchbacks (e.g., 2007 Nissan March, Toyota Passo): $5,000 – $8,000 NZD
• Medium Sedans/Hatchbacks (e.g., 2005 Mitsubishi Lancer, Toyota Corolla): $6,000 – $10,000 NZD
• Large Vehicles/MPVs (e.g., 2005 Mazda MPV, Nissan Teana): $10,000 – $15,000 NZD

Fuel Costs

Fuel prices are roughly on par with New Zealand. Note that the island-wide speed limit is 50 km/h (and even lower in villages), so your fuel often goes further than you’d expect.

• Petrol: ~205 cents per litre
• Diesel: ~201 cents per litre
• Average Weekly Spend: Approx. $50 – $80 NZD (based on standard commuting).

📋 WOF and Registration

The administrative side of car ownership in Rarotonga has its own rhythm 😀

• Warrant of Fitness (WOF): Required every 6 months. While the inspection focuses on safety, the standards for “cosmetic” fitness are often more relaxed than in NZ or Australia.
• Annual Registration: Unlike many countries where registration is rolling, all vehicle registrations in Rarotonga expire on March 31st each year. * How to Pay: You can pay your registration in person at the BCI (Bank of the Cook Islands) in Avarua or via their online portal.

💡 Insider Advice for Foreigners

Buying privately as a newcomer can feel daunting. You may not have the local contacts yet to verify a car’s history.

• Avoid the “Cheapskate” Trap: Negotiating is fine, but be mindful of the local culture. Being overly aggressive or low-balling can be seen as offensive. Aim for a fair price based on (what we reckon) the $3,000 NZD “import premium” rule.
• The Salt Factor: Check the undercarriage of any second-hand car. The salt air in Rarotonga is relentless, and rust is the primary car killer on the island.
• Mechanical Check: If possible, ask to take the car to a local mechanic for a quick “once-over” before handing over the cash. It’s a small price to pay for peace of mind.

Transport: Buying a Motorbike in Rarotonga

For many new residents moving to Rarotonga, a scooter or motorbike is the most practical and economical way to navigate the island. Between the ease of parking and the low fuel costs, it is the quintessential Rarotonga transport experience.

🛵 Where to Buy

Finding a reliable bike often requires a mix of checking local businesses and monitoring social media:

• Ex-Rentals: Check with Polynesian Car Rentals and Bikes in Avarua. They occasionally sell off their fleet to make room for new models. These are generally well-maintained.
• Facebook Groups: Join Raro Wheel Deals and other local buy/sell groups. This is the primary marketplace for second-hand bikes.
• Local Dealerships: There are a few showrooms in Avarua that sell brand-new Yamahas and Hondas if you prefer a warranty and zero mileage.

💰 Pricing & Operating Costs

• Ex-Rental Price: Expect to pay $1,500 – $2000 NZD and upwards.
• Second-hand (Private): Prices usually range between $1,000 – $2,000 NZD.
  • Note: In the second-hand market, you truly get what you pay for. Always check the tire tread and brake responsiveness before buying.
• Fuel Economy: A full tank typically costs less than $20 NZD and can last up to a fortnight (two weeks) depending on your commute.

🪖 Safety & Gear

Helmets are now compulsory under Cook Islands law. This is strictly enforced for both riders and passengers.

• The “Bring Your Own” Tip: Helmets on the island can be expensive and frequently go out of stock while retailers wait for sea freight shipments. If you are moving to Rarotonga from New Zealand or Australia, it is highly recommended to buy a high-quality helmet before you move and bring it with you.

🌦️ Life on Two Wheels

• The Weather: The biggest trade-off compared to a car is the rain. However, tropical showers are usually heavy but brief. Locals often joke that if it starts raining, you’ll likely be dry again by the time you reach your destination.
• Parking: This is where the motorbike shines. Parking in Avarua is significantly easier on a bike, especially during the busy Saturday Punanga Nui Market.
• License Requirements: If you don’t have a motorbike class on your home license, you will need to take a short practical test at the Cook Islands Police Station in Avarua to get your local visitor or resident’s license.

• Read Getting Your Scooter License In Rarotonga. 

🛠️ Maintenance & Care

The salt air in Rarotonga is harsh on machinery. To keep your bike in good condition:

1. Rinse Regularly: Use fresh water to wash off salt spray.
2. Check Your Chain: Keep it lubricated to prevent rusting.
3. Tire Pressure: The heat can affect PSI. Go and see Ace at and check your tires regularly.

Healthcare & Emergency Services in Rarotonga

Rarotonga has a central Police Station in Avarua and main Rarotonga Hospital in Nikao.  

• Read Essential & Emergency Services In Rarotonga.

Healthcare & Safety: Moving to Rarotonga

While Rarotonga offers a relaxed lifestyle, understanding the local healthcare landscape and common environmental risks is essential for any new resident.

🏥 Medical Services & Facilities

Rarotonga is well-equipped with a central hospital, an outpatient clinic, private GPs, and village-based community centers.

1. Hospitals & Emergency Care

• Rarotonga Hospital (Nikao): Located near the airport and Blackrock. This is the primary 24/7 facility for serious medical incidents, surgery, and general medicine.
  • Phone: (+682) 22 664
• Tupapa Outpatient Clinic: The go-to for non-urgent health issues and general consultations.
  • Phone: (+682) 22 664

2. General Practitioners (Avarua)

• Rarotonga Medical Centre: Provides GP and dental services.
  • Hours: Mon–Fri (8:30 am – 4:30 pm), Sat (8:30 am – 12:00 pm)
  • Phone: (+682) 23 229
• Holistic Medical Rarotonga: Focuses on holistic health and minor accidents. Located behind Empire Cinemas.
  • Hours: Mon–Fri (8:00 am – 4:00 pm)

3. Community Care: The ‘Puna’ System

Each village has a localized Puna (Community Health Clinic). These are excellent for basic nursing care, baby checks, wound dressings, and counseling.

• Hours: Mon–Thu (7:00 am – 3:00 pm), Fri (7:00 am – 12:00 pm).

4. Pharmacies

• CITC Pharmacy (Avarua): The most central pharmacy for prescriptions and wellness products. Phone: (+682) 29 292.
• Hospital Pharmacy: Best for medicines related to ongoing hospital treatment.
• Cook Islands Pharmacy (Muri): A convenient option in the Muri area, though hours vary.

🩹 Local Health Risks

Tropical Sores

One of the most important lessons for new residents is the severity of tropical sores. In the humid island climate, a tiny nick—such as a mosquito bite, a prickle scratch, or a minor graze—can escalate into a serious abscess or infection almost overnight.

• Action: Clean even the smallest cuts immediately.
• Prevention: Keep all wounds covered and seek medical advice at a Puna or GP at the first sign of redness, heat, or swelling.

Mosquitoes & Dengue Fever

More about mosquitos and Dengue Fever in Rarotonga below. 

Mosquitos in Rarotonga

Dengue is a viral infection transmitted through the bite of infected mosquitoes. The risk is present throughout the Cook Islands, particularly on Rarotonga.

🦟 In the Air: Mosquitoes & Dengue Fever

These mosquitoes thrive in standing water (puddles, water tanks, old tires, and containers).

Prevention Strategies:

• Repellent: Use tropical-strength insect repellent (DEET-based is most effective).
• Attire: Wear long-sleeved shirts and trousers, especially during dawn and dusk.
• Home Care: Keep mosquito screens closed at all times.
• Mosquito Coils: These are available everywhere for approximately $2.50 NZD per pack of 8-10.
  • Pro-Tip: Look for the frangipani-scented versions for a more pleasant aroma.
  • Safety: Use an old dish or saucepan as a sturdy, fire-safe base for burning coils indoors.

• Read Dengue Fever In Rarotonga: What To Know About Mosquitos.

Dangerous Animals & Pests in Rarotonga

The best news for anyone visiting or moving to Rarotonga is the absence of venomous snakes and lethal insects. However, there are a few local “pests” that require caution and a bit of local know-how to handle.

🚫 On Land: Bites and Stings

Centipedes (The Brown Centipede) While not deadly, a centipede bite is a memorable experience, often compared to a severe bee sting.

• Symptoms: Localized burning, intense pain, swelling, and hardening of the area. In some cases, it can cause headaches or vomiting.
• Pro-Tip: Welcome the local “free-range” chickens into your backyard! They are excellent natural pest controllers and love to snack on centipedes.

Red Ants These tiny terrors live in small, inconspicuous mounds of sand in gardens.

• The Reaction: Their sting is sharp and immediate.
• The Solution: We’ve taught our kids the “Red-Ant-Stomp”—a vigorous jumping dance to shake the ants off before they can do too much damage. You’ll likely learn this move very quickly!

🌊 In the Water: Lagoon Safety

Stonefish (No’u) The stonefish is the most dangerous creature in the lagoon. They are masters of camouflage and look exactly like a piece of coral or a rock.

• The Risk: Stepping on one can result in a highly painful sting from their dorsal spines.
• Prevention: Always wear reef shoes when wading or snorkeling. Familiarize yourself with photos of stonefish before you arrive so you can “train your eye” to spot them.

Coral Reefs Beyond the fish, the coral itself can be sharp. Scrapes from coral can easily become infected in the tropical heat, so treat any “coral cuts” immediately with antiseptic.

🐕 A Note on the Local Dogs

Rarotonga has a large population of roaming dogs. Most are very friendly and will follow you along the beach looking for a snack or a friend.

• Secondary Warning: Be careful about feeding them at your rental home. If you feed a beach dog once, you have likely gained a permanent (and very loyal) roommate for the duration of your stay!

Home Internet and Phone Services in Rarotonga

When moving to Rarotonga, setting up a reliable home internet connection is one of the most significant hurdles and expenses you will face. Depending on your data needs—especially if you are working remotely—you have two primary paths: Vodafone Home Broadband or Starlink.

📶 Option 1: Vodafone Cook Islands (Fixed Line/Wireless)

Vodafone offers various tiered broadband plans. These are charged monthly, but it is important to note that data is capped and significantly more expensive than most international travelers are accustomed to.

Monthly Data Tiers:

• 80GB: $89 NZD
• 150GB: $139 NZD
• 250GB: $199 NZD
• 500GB: $299 NZD

Setup Costs:

• Installation Fee: $75 NZD.
• Hardware: You must purchase a modem (either your own or from Vodafone for $89 NZD). Once purchased, the modem is yours to keep.

🛰️ Option 2: Starlink (Satellite)

Starlink has become the game-changer for digital nomads and expats in the Cook Islands. While the initial hardware cost is higher, it generally offers faster speeds and more affordable monthly rates for “unlimited” or high-usage data compared to local providers.

We are huge fans our of Starlink setup in living in Rarotonga this time!

• Best for: Digital nomads, heavy video streaming, and those working remotely.
• Requirement: You will need to purchase the Starlink hardware kit and ensure your rental property has a clear view of the sky.

📱 Local Phone System & Formatting

If you are making local calls or providing your number for local services, here is the technical breakdown:

• Country Code: +682
• International Call Prefix: 00
• Number Format: Local numbers are 5 digits long (e.g., +682 XX XXX).

💡 Digital Nomad Advisory

If you plan to work online while living here, run the numbers carefully. If you use more than 200GB a month, a Vodafone plan will cost you nearly $200 NZD, whereas Starlink may offer a much lower “cost-per-GB” despite the upfront equipment investment. Always confirm with your landlord if they already have a Vodafone line installed or if they allow Starlink dishes on the property.

SIM Cards and Data – Living in Rarotonga

If you are moving to or staying long-term in Rarotonga, sorting out your mobile connection is a top priority. While the Cook Islands use the New Zealand Dollar, don’t expect NZ data prices—mobile data here is significantly more expensive and limited than what you are likely used to at home.

📱 Getting Started with Vodafone Cook Islands

Vodafone is the primary provider on the island. You can pick up a local SIM card at the airport upon arrival, at the main Vodafone office in Avarua, or at various retail outlets around the island.

💰 The “Local’s Choice” Strategy

To get the most value for your money, we recommend using the Prepay system rather than a monthly contract. Contracts often have rigid limits and can work out more expensive if you go over your data allowance.

Our tried-and-tested monthly setup:

1. The Base Plan: We purchase the PREPAY PLAN19 for $19 NZD per month. This covers your basic local calls and texts to keep you reachable.
2. The Data Boost: To handle actual internet usage, we add a $50 PROMO 50GB BOOST19.
3. Total Cost: For $69 NZD per month, you get a functional amount of data and a local number.

💳 How to Top Up

Managing your balance is relatively easy once you have your SIM:

• Vodafone App: The most convenient way to top up and buy bundles is via the official app using a credit or debit card.
• Physical Top-ups: You can buy “Top-up” vouchers at almost every convenience store (dairy) and supermarket on the island.

💡 Pro-Tips for Data Management

• Automatic Updates: Turn off automatic app updates and cloud syncing on your phone before you land. A background update can eat through your $50 boost in minutes.
• Wi-Fi Zones: Look for “Vodafone Hotspots” in cafes and public areas, but be aware these often require separate vouchers or usage of your plan data.
• Offline Maps: Download a Google Map of Rarotonga for offline use so you aren’t using data for GPS while driving around the island.

• Read Getting A Cook Islands SIM Card In Rarotonga.

Religion

The majority religion in the Cook Islands is Christianity. About 70 percent of the population belong to the Cook Islands Christian Church.

Sunday is a day of rest of the island and most of Avarua is closed.  

You will be warmly welcomed to attend a local church service at one of the many beautiful Cook Islands Christian Churches dotted around the island. Plus if it is your first time attending church in the Pacific Islands then you are in luck! There is nothing quite like the sound of Pacific Island hymns and harmonies.

• Read Attending A Sunday CICC Church Service In Rarotonga.

What To Bring – Moving to Rarotonga

These are some tips for packing and planning for moving to Rarotonga:

• First Aid Kit: Most items are available for purchase on Rarotonga, however things can sometimes be hard to source (aka. Figuring out where on the island specific items are in stock). It is safest to bring a First Aid Kit from home with contents that are specific to you and your family. 
• Reusable Plastic Food Storage Containers (eg. Tupperware/Sistema): Ants are a big thing anywhere in the Pacific. Bringing containers also saves using plastic storage bags. Storage containers are available on the island (at Vonnias, CITC Supermarket or Raro Mart) albeit at an imported price. 
• Reusable Shopping Bags: Plastic bags are still offered at the markets but it is great to be able to say no to more single-use plastic. 
• Reusable Straws: Once again, anything that is reusable and stops plastic going to landfill or the ocean is a great thing to bring. These make an awesome gift for someone moving to Rarotonga! 

What Else Might You Need?

There are a few other things that will make the move even smoother:

• Blender: Smoothies. (Self-explanatory – and AMAZING!).
• Yoghurt Maker (if you are into it): Easiyo or Hansells yoghurt still comes in plastic packaging here but its much cheaper than buying yoghurt in a container. 
• Sprouting Jar: We use this a lot! You can buy fresh lettuces grown locally using hydroponics. But if you are looking for an easy way to grow some fresh greens, a spouting jar is a win.  
• Kids Life Jackets: These are (sometimes) available for purchase here but it is safest to bring child-sized life jackets from home. 
• Goggles: We use our snorkels and masks daily to swim with in the lagoon and the kids use their swimming goggles for beach swimming lessons after school! 

• Reef Swimming Shoes: Keep safe in the lagoon and protect yourself from coral and stonefish. Reef shoes are also less disruptive to the fish life than flippers while inside the lagoon.

What NOT to Bring – Moving to Rarotonga

There are a few things we would also suggest NOT to bring.Because everything brought to the island eventually becomes part of our local waste system, we recommend leaving the following items behind:

1. Heavy Bedding & Blankets

Rarotonga enjoys a warm, tropical climate year-round. Heavy duvets or wool blankets will only take up valuable space in your luggage and are far too warm for island nights. Light cotton sheets or a thin throw are all you’ll ever need.

2. Heavy Winter Jackets

Bulky winter coats have no place in the tropics. Instead, pack a high-quality lightweight rain jacket. It will protect you during a tropical downpour without causing you to overheat.

3. Flippers

While snorkeling is a must-do, we discourage the use of fins in the lagoon. They are often bulky to pack and, more importantly, can easily damage fragile coral polyps or stir up sediment that disturbs fish habitats.

• Better Alternative: Invest in a good pair of Reef Shoes. They protect your feet from stonefish and sharp coral while keeping you agile and eco-friendly.

4. Inflatable or Temporary Swimming Pools

Water is a precious resource on the island, and we occasionally experience shortages during dry spells. Filling a temporary pool is considered wasteful. Besides, you are moving to an island surrounded by the world’s most beautiful natural swimming pool—the Pacific Ocean!

5. Single-Use Plastics

Rarotonga has limited waste processing facilities. Anything you bring and discard stays here forever. Avoid “disposable” culture by leaving behind:

• Single-use water bottles (bring a reusable stainless steel one).
• Cheap plastic household items that won’t last.
• Excessive plastic packaging.

Pro Tip: When in doubt, follow the “Island Rule”: If it can’t be reused, repaired, or easily recycled, it’s best not to bring it to the Rock!

Moving to Rarotonga with Kids 

Rarotonga isn’t just a holiday destination; it is a vibrant, safe, and incredibly welcoming place to live as a family. For those moving from New Zealand, the island offers a unique “Goldilocks” experience—different enough to feel like a tropical adventure, but familiar enough (with NZ currency and similar systems) to feel like home.

🏫 Schooling & Education

One of the biggest surprises for moving families is the variety of educational options. Despite the island’s size, you are never more than a few minutes away from a school.

• Early Childhood: There are 11 ECE options and 3 dedicated daycare centers. Popular choices include the private Blackrock Preschool and Tarome’s Childcare though we are bias and always recommend Apii Nikao ECE (where I work!).
• Primary Schools: There are 10 primary schools dotted around the island. Apii Nikao and Apii Avarua offer large, vibrant communities, while Apii Te Uki Ou is a private schooling option.
• Secondary Schools: You have three secondary options, including Tereora College (the national secondary school) and Nukutere College.

🏝 The ‘Island Classroom’ Lifestyle

Living here means your kids’ backyard expands to include the entire lagoon. We love this as have spent – quite literally – seven years travelling the world full-time as a family and embracing the concept of world schooling!

• Marine Life: Kids quickly become experts at swimming and snorkelling. They’ll arrive as typical Kiwi kids but adapt quickly to be spotting sea cucumbers, identifying tropical fish at Aroa Marine Reserve, and hunting for hermit crabs (unga) at sunset. It’s as magical as it sounds!
• Safe Exploration: The lagoon is generally shallow and protected, making it the perfect place for kids to build confidence in the water.
• Culture: Family (Whānau/Anau) is the heart of Cook Islands culture. Your children will likely learn Cook Islands Māori, traditional drumming, and dance at school, becoming part of a community that truly treasures children.

🎒 Our “Move-In” Tips

• The Saturday Ritual: Make the Punanga Nui Market a weekly family habit. It’s the best place for fresh seasonal fruit (like Nu or drinking coconuts), local treats, and catching up with school friends.
• Transport: While the Clockwise and Anti-Clockwise buses are a fun novelty for tourists, most local families find a car or scooter essential for school runs.
• Health & Safety: Pack a good supply of “Reef-Safe” sunscreen and high-quality insect repellent—the inland ‘jungle’ areas have plenty of mosquitoes!
• Footwear: Swap the school shoes for Reef Shoes. They are the most important piece of clothing your child will own here. Because quite seriously – our boys haven’t worn shoes in all their time here!

The Verdict: Overall, Rarotonga is an amazing place to be with kids. The lifestyle is slower, the community is tighter, and the “screen-free” adventures are endless 🙂

• Read Schools In Rarotonga.

Making the Move to Rarotonga

If you are after a life that is beautiful; a life that is friendly; and a lifestyle that is unique only to the Pacific Islands – then Rarotonga is for you!

Get yourself a Pareu, grab a coconut and embrace the amazing island culture. It truly is amazing!

Read More from the Cook Islands

• A Reef Walk In Rarotonga With Ariimoana.
• Raemaru Mountain: The Easiest Climb In Rarotonga?
• The Needle: Rarotonga’s Famous Cross Island Walk.
• 20 AWESOME Things To Do In Rarotonga With Kids.
• Renting A Car In Rarotonga.

Have we convinced you to seriously consider moving to Rarotonga?!

Leave a comment below with any suggestions of tips or information we could add to this guide. Or let us know if you have any questions about moving to Rarotonga. 

Links For Your Travels in Pacific & Beyond

These are the companies we use and can recommend for planning and booking travel. 

• Booking.com – The best all-around accommodation booking site that constantly provides the cheapest and lowest rates. They have the widest selection of budget accommodation. It is easy to filter and sort into price and availability with all the extras you are looking for personally. 
• 12GoAsia – Book trains anywhere online. 
• Skyscanner– This is by far our favourite flight search engine. They are able to search small websites and budget airlines that larger search sites often miss. We book all our flights through Skyscanner.  
• GetYourGuide– Get Your Guide is a huge online marketplace for tours and excursions offered all around the world. Everything from walking tours, to street-food tours, cooking classes, desert safari’s and more!
• SafetyWing – A global travel insurance that covers people from all over the world while outside their home country. You can buy it short or longterm; and even if you are out of the country. 
• World Nomads – Make sure you have insurance before embarking on travel anywhere in the world!