Moving to New Zealand from the US: Complete guide for 2026

Yes, Americans can move to New Zealand from the US through various visa pathways including skilled worker visas, investment visas, work-to-residence programs, and family sponsorship. With around 28,000 US-born residents already living in New Zealand (a 29% increase in five years), the move is becoming increasingly popular thanks to streamlined visa processes, high quality of life, and favorable expat tax rules.

This guide covers visas, residency, costs of living in New Zealand as an American, taxes, how to move to New Zealand, and daily life for Americans moving to New Zealand from the US. It’s built for 2026 planning, which means 2025 income and the rules that apply when moving to New Zealand from the US for the 2026 filing season.

Can Americans move to New Zealand?

Yes, US citizens can move to New Zealand legally through multiple visa routes. This also answers the question can Americans live in New Zealand?’ No specific quota limits Americans, unlike some other nationalities.

The most common paths are: skilled migrant visas for qualified professionals (55 or younger), work visas with job offers from accredited employers, investment visas (from NZD $100,000), student visas, family/partner visas, or working holiday visas (ages 18–30). Each has specific requirements.

Requirements for Americans

Basic eligibility for most visa types includes:

• Valid US passport (at least 3 months after the date you plan to leave New Zealand),
• Clean criminal record (police certificates required),
• Good health status (medical examination required),
• Proof of financial means (varies by visa type),
• English proficiency (most visas – Americans are typically exempt from testing),
• Age limits (55 or under for most residence visas).

Americans do not need a visa for short visits under 90 days (NZeTA electronic authority required instead).

Easiest paths for Americans

Skilled workers with in-demand occupations (Green List): Fastest path to residency (6–12 months). Jobs in healthcare, engineering, IT, and construction are prioritized.

Workers aged 18–30: Working Holiday Visa (12 months, NZD $770) for temporary residence.

Remote workers: Occupational Registration Visa (90 days, can work for foreign employers, launched January 2025).

Investors: Active Investor Plus Visa (NZD $5–10 million investment, no English test required).

NOTE! There is no separate remote work’ or occupational registration’ visitor visa category. Instead, Immigration New Zealand notes that some visitors can work remotely for an overseas employer or overseas clients while visiting, but you cannot work for a New Zealand employer unless you hold the appropriate work visa.

Why Americans love living in New Zealand

1. Quality of life: Ranked 12th globally with a quality of life index of 192.5, New Zealand offers a clean, well-connected, and stress-free environment.
2. Culture: Rooted in hospitality, New Zealand’s culture is warm and welcoming, making it easy for newcomers to feel at home.
3. Weather: With mild winters and sunny summers, the outdoors is always in season – perfect for surfing, skiing, or hiking.
4. Safety: With a safety index of 51.2 and a crime index of just 48.8, New Zealand is a safe and peaceful place to live.
5. Work-life balance: With 4 weeks minimum annual leave and a strong flex-work culture, living in New Zealand often feels calmer and less commute-heavy than the US.

(Quality of life, crime rate, and safety data sourced from Numbeo)

Visa options for US expats moving to New Zealand

New Zealand offers diverse visa pathways for American expats, from short-term work permissions to permanent residency. The system is points-based for skilled migrants, employer-sponsored for workers, and investment-based for business owners. Understanding which visa types fit your situation is the difference between a smooth approval and months of delays.

Below is a complete breakdown of visa options for citizens moving to New Zealand from the US.

Visas for short-term stays

The Standard visitor visa lets US citizens stay up to 9 months for tourism, family visits, or business activities (not local employment). It’s a common choice for a longer scouting trip when moving to New Zealand from the US, and costs from NZD $441.

The NZeTA covers visa-waiver travel for short trips of up to 90 days per visit (with limits across a 12-month period). It’s obtained online before travel, and the fee is NZD $17–$23 depending on how you apply.

The Occupational registration visa (often discussed as a remote work option) lines up with Immigration New Zealand’s January 2025 update, allowing visitors to work remotely for overseas employers or clients while in New Zealand. The practical takeaway: remote work can be fine, but New Zealand-based work still needs a work visa via the New Zealand route.

Skilled migrant & green list visas

These visas offer the fastest path to permanent residency for qualified Americans with in-demand skills. Both require job offers from accredited New Zealand employers and can lead to residence within roughly 6–24 months, depending on the pathway and role.

1. Skilled migrant resident visa: This is a core permanent residency New Zealand pathway for skilled professionals. Applicants must be 55 or under and meet the category requirements, including role and evidence checks. The cost starts from NZD $6450, and the visa allows you to live in New Zealand indefinitely once granted.
2. Green List pathway: Green List visa New Zealand options come in two flavors: Straight to Residence for certain Tier 1 roles and Work to Residence after 24 months in a Tier 2 role. Both lead to residence, and Work to Residence can unlock a Permanent Resident Visa after 2 years on the resident visa.

NOTE! Green List occupations include roles like registered nurses and software developers, alongside many other regulated and technical jobs. Check Immigration New Zealand for the complete, updated list.

Investment visas

The Entrepreneur work visa suits experienced businesspeople ready to invest at least NZD $100,000. Applicants must submit a solid business plan and provide evidence of good character, sound health, and sufficient English language proficiency. If the business succeeds after three years, you can apply for residency.

The Active investor plus visa, launched April 2025, is a streamlined path with fewer barriers. Invest NZD $5 million in high-risk assets for 3 years or NZD $10 million in stable ones for 5 years. No English test is required, and minimal residency is needed to qualify.

Work visas

Work to residence visa

This is a resident pathway (not a temporary work visa) for people who have already worked 24 months in a Tier 2 Green List role with an accredited employer. Cost starts at NZD $6450, and it can lead to permanent residency after 2 years of residence.

Specific-purpose work visa

Designed for defined projects, events, secondments, or specialist assignments, this visa is granted for the time needed to complete the work (often up to 3 years). Fees start from NZD $1455, and decisions are relatively quick compared to residence routes.

Accredited employer work visa (AEWV)

For many American citizens, this is the most practical work visa New Zealand option. It requires a full-time job offer from an accredited employer. The visa can be granted for up to 5 years, depending on role and conditions, costs from NZD $1540, and can lead to residency through skilled or Green List routes.

USA working holiday visa

For US citizens aged 18–30, the working holiday visa allows a 12-month stay with permission to work while you travel. The fee is NZD $770, and applicants typically show around NZD $4,200 in available funds.

Student visas

Student visas let US citizens study in New Zealand for over three months, with the bonus of working up to 25 hours weekly (if your visa conditions allow it) during term and full-time on breaks.

US students can apply for a fee-paying student visa (NZD $850) with proof of enrollment and funds, valid for up to 4 years and renewable if studies continue. The Exchange student visa also costs NZD $850, is processed faster, and allows tuition-free study for up to 4 years, but isn’t renewable.

Family visas

If you're in a committed relationship with a New Zealand citizen or resident, the Partner visa lets you live, work, and study with fees from NZD $860–$5360 and a 4–9 month wait.

Got family in NZ? The Parent retirement resident visa offers residency if you invest NZD $1 million over 4 years, have NZD $500,000 in funds, and earn NZD $60,000+ annually. For kids under 24, the Dependent Child visa supports those who are single and financially reliant. All options require strong documentation and character clearance.

How to apply for a New Zealand visa as a US citizen

If you’re a US citizen planning to immigrate to New Zealand from the US, the visa process might seem daunting at first. Here’s how to navigate it step by step.

Step 1: Choose your visa and complete the application. Pick the visa that aligns with your goal: work, study, retirement, or travel, as it sets the path for your move. Then visit "Immigration New Zealand" to fill out the correct form, ensuring all details match your documents.

Step 2: Gather your documents and pay the fee. Have your passport, health and character records, and any required proof like a job offer or school acceptance ready to upload. Then pay the visa fee through official channels and keep a receipt for tracking.

Step 3: Submit and track your application. Submit your application online (or by post if required) and double-check for errors to avoid delays. After submission, monitor your status and respond quickly to any additional requests or interview calls.

NOTE! Processing times vary – NZeTA is often within 72 hours, visitor visa decisions can be about 80% within 13 days, AEWV about 80% within 6.5 weeks, and residence pathways can run several months. Check Immigration New Zealand for current processing times.

Residency vs citizenship

Start with a resident visa after 2 years, and with proof of ties like work or family, you can upgrade to permanent residency with full stay and travel rights. Live in New Zealand for 5 years as a resident, meet language and character checks, and you can apply for citizenship and a Kiwi passport.

Where to reside in New Zealand

Auckland

Auckland City at sunrise, New Zealand. PHOTO CREDIT: PEXELS

New Zealand’s largest city blends urban energy with easy access to beaches, hiking trails, and vineyards. It’s one of the country’s major port cities with a diverse population and a strong economy, making it a magnet for professionals.

Many US expats find its multicultural vibe and vibrant food scene feel like a softer version of California living.

Wellington

Wellington city skylines, New Zealand. PHOTO CREDIT: PEXELS

Wellington is New Zealand’s capital compact, creative, and buzzing with culture. Known for its coffee, film industry (yes, Lord of the Rings), and laid-back lifestyle, it’s a favorite among young professionals and artists. US expats love the walkability and how easy it is to feel at home in its tight-knit neighborhoods.

Christchurch

A picturesque coastal village in Christchurch, New Zealand. PHOTO CREDIT: PEXELS

Often called the "Garden City," Christchurch mixes English charm with modern innovation. It's a great base for outdoor lovers, with quick access to beaches, ski fields, and national parks. For US expats seeking affordability and space without losing city perks, Christchurch hits the sweet spot.

Other cities

Apart from Auckland, Wellington, and Christchurch, US expats are also drawn to smaller, scenic cities that can make moving to New Zealand from the US feel more personal and less rushed.

Reasons Americans choose each city:

1. Napier: Art Deco architecture and wine country, popular with retirees and remote workers. Average rent: NZD $450/week for a 2-bedroom.
2. Tauranga: Beach lifestyle and warmer climate, ideal for families and outdoor enthusiasts. Growing tech scene.
3. Nelson: Sunshine capital (2,400+ hours/year), arts community, gateway to Abel Tasman National Park. Popular with creatives.
4. Dunedin: University city with Scottish heritage, most affordable housing (average NZD $400/week), student-friendly vibe.
5. Whangarei: Subtropical climate, boating culture, significantly lower cost of living than Auckland (30% cheaper rent).

NOTE! Most US expats settle in Auckland (jobs, international community) or Wellington (government, tech, culture). Christchurch and smaller cities can mean lower costs and an easier pace.

Consider:

• job market in your field,
• proximity to an international airport,
• cost of living,
• climate preferences, and
• community size.

New Zealand vs US: cost of living

Living in New Zealand is generally more affordable than in the US, especially when it comes to housing, food, and healthcare. The average monthly cost for a family of four is $3,620, excluding rent.

A single person spends about $1,005/month, also excluding rent. Overall cost of living is about 9.8% lower than in the US. Rent is significantly cheaper, averaging 37.8% less than in the United States.

Groceries cost about 3.6% less than in the US, and eating out is 12.5% cheaper, though consumer goods can be 7–10% higher due to imports.

While daily expenses like groceries and utilities are fairly consistent across the country, rent and lifestyle costs vary by city:

• Christchurch offers the most affordable rents and the lowest overall costs.
• Wellington is mid-range, and Auckland is the priciest but still below many major US metros.

NOTE! While overall costs are lower, NZ salaries are typically 20–30% lower than US equivalents. Healthcare savings, lower housing costs (outside Auckland), and lifestyle benefits can help balance that difference.

(Cost of living data sourced from Numbeo.)

Gain employment in New Zealand

New Zealand’s job market is strong, especially for US expats in high-demand fields like healthcare, construction, education, engineering, and tech. Roles in hospitality and agriculture are also expanding. Salaries are competitive: nurses earn NZD $68K–$95K, software developers NZD $80K–$139K, and construction managers over NZD $110K. If your job is on the Green List, you may qualify for fast-tracked residency.

To work legally, you’ll need a visa tied to a job offer, most often the Accredited Employer Work Visa. Many Americans begin their search online from abroad. Top platforms include Seek, Trade Me Jobs, WorkHere, and New Kiwis; the latter specifically helps migrants connect with employers. Job listings on these sites often include salary ranges, so you can benchmark early.

Healthcare services for US expats in New Zealand

Private health insurance in New Zealand can cost as little as NZD $75/month and may be required for certain visas. It’s significantly cheaper than in the US and covers even fault-based injuries. Public healthcare is also low-cost and accessible for residents and work visa holders who stay 2+ years.

For US expats settling in New Zealand, Auckland City Hospital offers comprehensive public care at no cost if you're eligible under the public system. Those seeking faster treatment might opt for Southern Cross North Harbour Hospital, a leading private hospital where costs depend on the procedure. In Wellington, Wakefield Hospital provides private specialist services ideal for expats looking to bypass public wait times.

Education in New Zealand: what US families should know

Public schooling: Free for kids aged 5–19, but expect donations and fees (NZD $1,000–$2,000 annually). Auckland Grammar School requests NZD $1,300 per year.

Private schools: Tuition ranges from NZD $20,000–$40,000. Diocesan School for Girls charges NZD $27,300, and St Andrew's College (Christchurch) costs NZD $20,000–$25,000.

Preschool: First 20 hours of early childhood education (ECE) per week are free for all children aged 3–5, regardless of visa status.

Universities: All 8 NZ universities rank in the QS global top 500. Domestic tuition is NZD $6,000–$9,000; international students pay NZD $25,000–$35,000. Notables include the University of Auckland (#68), Victoria University of Wellington, and the University of Otago.

Taxes simplified for Americans living in New Zealand

US citizens moving to New Zealand face dual tax obligations:

1. Filing NZ tax returns as residents.
2. Continuing to file US federal returns on worldwide income.

The good news is that foreign tax credits and treaty rules can reduce double taxation when handled cleanly and on time.

New Zealand taxes

New Zealand’s tax year runs from April 1 to March 31, with individual returns generally due July 7, and later deadlines available when filing through a registered tax agent.

New migrants may qualify as “transitional residents,” which can provide a four-year exemption on most foreign-sourced income (excluding employment income for work performed while resident).

Here’s what to expect as a tax resident:

• IR3: Common for residents with income not fully taxed at source (rentals, overseas income).
• IR3NR: For non-residents earning New Zealand-sourced income.
• IR330: Used to declare your tax code for PAYE withholding.

NZ tax rates 2025–26 (from 1 April 2025):

There’s no tax-free threshold, GST is 15%, and you’ll also see items like ACC levies in payroll deductions.

Moving to New Zealand from the US? Your US taxes shouldn’t hold you back

Learn more

US taxes

Your US tax responsibilities don’t disappear when you move; they just get more complex. As a US citizen or green card holder, you must file Form 1040 each year and report your global income, even if you're taxed in New Zealand.

You may be able to reduce or eliminate double taxation with:

• Foreign Earned Income Exclusion (FEIE): Exclude up to $130,000 in foreign wages (2025 cap) by filing Form 2555.
• Foreign Tax Credit (FTC): Claim credits for income tax paid to New Zealand with Form 1116.
• Foreign Housing Exclusion: Deduct housing costs from income.

If you have more than $10,000 in foreign bank accounts, file an FBAR (FinCEN Form 114). Large foreign assets? You might also need Form 8938 under FATCA.

US expats must file by June 15 (June 16 in 2025), and taxes are due by April 15 to avoid interest, even if they file later. The final extension deadline is October 15 with Form 4868, but any taxes owed are still due in April. Dual citizens must still file, and you can request our free tax extension if you need additional time.

Thankfully, the US–New Zealand tax treaty and foreign tax credits work together to help avoid paying twice on the same income as long as you file the right forms.

NOTE! Many US expats in NZ lean toward the foreign tax credit instead of FEIE because NZ income tax rates can be higher, creating excess credits that can reduce US tax to zero.

Your move to New Zealand: Next steps

Ready to make the move? Follow these steps:

1. Determine visa eligibility: Review visa options above and identify the best fit for your situation (skilled worker, investor, or work visa).
2. Prepare documentation: Gather police certificates, medical exams, proof of qualifications, and financial statements.
3. File US taxes before departure: Keep IRS filing clean and review future implications, including expatriation rules for anyone considering renouncing later.
4. Research cities and housing: Compare Auckland, Wellington, Christchurch, and smaller cities – then sanity-check costs with real listings and local groups.
5. Get professional tax advice: Taxes for Americans in New Zealand can be straightforward with the right setup, especially around treaty positions, FTC strategy, and reporting forms.

Need help navigating taxes when moving to New Zealand?

Whether you're launching a new chapter in Auckland or settling into Wellington with your family, relocating to New Zealand is an exciting step. In this guide, we’ve broken down what expats need to know, from visas to finances, so you can plan confidently.

At Taxes for Expats, we help Americans in New Zealand stay IRS-compliant while maximizing foreign tax credits and treaty benefits. Our team specializes in NZ–US dual filing and has prepared 10,000+ expat returns. Schedule a free consultation or get an instant quote to simplify your move.

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