Choosing the Right Neighborhood: Factors to Consider When Buying a House in the Virgin Islands
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Choosing the Right Neighborhood: Factors to Consider When Buying a House in the Virgin Islands

When it comes to selecting the right house in the U.S. Virgin Islands, it sure can be an exciting and super crucial affair. However, selecting the right neighborhood is equally vital for a fulfilling experience. Different neighborhoods on the islands offer different experiences in terms of natural beauty, vibrant culture, and diverse communities. So, selecting the neighborhood whose elements align with your lifestyle, preferences, and long-term goals is not a decision you should ever take lightly. Do you know what you need, though? Some help! Therefore, this article will explore the key factors influencing your decision-making in your search.

Understanding the neighborhoods on the islands

Let’s first understand the main neighborhoods that should remain on your radar, even as you make further considerations. When it comes to buying property in the U.S. Virgin Islands, several neighborhoods stand out for their desirability, amenities, and investment potential. While individual preferences may vary, here are some of the best neighborhoods to consider:

Charlotte Amalie – located on the southern coast of St. Thomas, Charlotte Amalie is the capital and largest city of the U.S. Virgin Islands, and it boasts a rich history as a bustling port town and retains much of its colonial charm. The neighborhood features a blend of historic buildings, cobblestone streets, and vibrant Caribbean colors. The waterfront area is particularly popular, offering a lively atmosphere with restaurants, shops, and a vibrant arts scene. This city is also home to popular attractions like Blackbeard’s Castle, Fort Christian, and the St. Thomas Synagogue, all of which adds to its beauty. Residents of this neighborhood enjoy a range of amenities, including easy access to shopping centers, healthcare facilities, and the Cyril E. King Airport.

East End – also found in St. Thomas, East End is a picturesque area known for its stunning beaches and tranquil ambiance, and it offers a more laid-back atmosphere compared to Charlotte Amalie, making it a popular choice for those seeking a peaceful residential retreat. Sapphire Beach and Secret Harbor are the two prominent beaches in the area, known for their crystal-clear waters and opportunities for snorkeling and water sports. In addition, the Red Hook area, situated nearby, serves as a commercial hub with numerous dining options, grocery stores, and a ferry terminal for inter-island transportation. Ultimately, living in the East End provides residents with a perfect balance of serene coastal living and convenient access to amenities.

Northside – this town is located on the northern coast of St. Thomas, and it offers breathtaking views of the Caribbean Sea, lush greenery, and a quieter residential environment. Rolling hills and scenic vistas characterize the neighborhood, and it is home to various upscale communities, such as Peterborg and Magens Bay. Peterborg features exclusive gated communities and luxury homes, many offering panoramic ocean views. At the same time, Magens Bay is renowned for its stunning beaches, consistently ranked among the most beautiful in the Caribbean. While the Northside offers a sense of seclusion, it remains within a reasonable distance of essential amenities, including grocery stores, schools, and healthcare facilities.

Cruz Bay – This is the main town on the island of St. John, and it essentially serves as a vibrant hub for residents and visitors alike. The neighborhood offers a mix of residential properties, boutique shops, restaurants, and local businesses, not to mention that it maintains a charming island atmosphere while providing a range of amenities. Cruz Bay is the gateway to the Virgin Islands National Park, which covers a significant portion of the island. The park features pristine beaches, hiking trails, and stunning natural landscapes, all of which the residents enjoy easy access to, as well as the convenience of nearby grocery stores, healthcare facilities, and a lively dining scene.

The Reef – This is an upscale gated community situated on the island of St. Croix, and it offers luxury homes and condominiums with stunning beachfront locations and panoramic views of the Caribbean Sea. The Reef provides residents with exclusive amenities such as private beaches, swimming pools, tennis courts, and 24-hour security. In addition, living in The Reef offers a tranquil and luxurious living experience focusing on privacy and seclusion. And while it provides a retreat-like atmosphere, essential amenities, including grocery stores, restaurants, and golf courses, are within a short drive.

Christiansted – Christiansted is a historic town on the island of St. Croix and is renowned for its well-preserved Danish colonial architecture. The neighborhood features charming pastel-colored buildings, cobblestone streets, and a picturesque waterfront area, and it offers a unique blend of rich history, vibrant cultural attractions, and a thriving dining scene. Additionally, Christiansted boasts several landmarks, including Fort Christiansvaern, the Old Scale House, and the Steeple Building. It also hosts various events and festivals throughout the year, showcasing local art, music, and cuisine. Now, living in this neighborhood provides residents with a charming and lively atmosphere, with easy access to beautiful beaches, recreational activities, and essential amenities.

What are the factors that should influence your choice?

When selecting the best neighborhood to buy property in the U.S. Virgin Islands, there are several factors you need to consider. These factors will help ensure the neighborhood aligns with your lifestyle, preferences, and long-term goals. Here are some key considerations:

Property prices

Before everything else, you would want to know property prices in the islands. So, here is a breakdown of property prices:

  • In St. John, prices range between $399,000 and $12,000,000. In this price range, you get all sorts of property types.
  • One-bedroom homes range from $499,000 to $2,300,000, depending on the specific location
  • Two bedrooms sell for $1,100,000 to $2,975,000.
  • Three bedrooms range from $597,000 to $6,850,000
  • Four bedrooms range from $695 to $12,000,000
  • Single-family homes range from $399,000 to $12,000,000
  • Condos range from $595 to $1,950,000
  • And if you want to buy land, it can range from $59,000 to $7,500,000. The price depends on the size of the land and the location.
  • In St. Thomas, property ranges from $199,000 to $5,500,000, and the types range from stand-alone single-family homes to condominiums. One bedroom to 4 beds ranges from $499,000 to $5,500,000. Depending on the location, single-family homes range from $199,000 to $5,500,000. Condos go for $90,000-$3,500,000, while land ranges between $69,000 and $23,000,000.
  • In St. Croix, property ranges anywhere between $50,000 and $8,000,000. One bedroom to four beds ranges from $100,000 to $8,000,000, depending on the house’s location and size. Single-family homes can range from $50,000 to $8,000,000, condos $90,000 – $1,690,000, while land ranges from $30,000 to $22,900,000

Location and accessibility

First, you need to consider the neighborhood’s location in relation to your daily needs and activities. Are you looking for a bustling urban area or a more secluded and peaceful environment? You should also evaluate the proximity to essential amenities such as schools, healthcare facilities, grocery stores, restaurants, and entertainment options. You may also need to consider how accessible the area is by considering the transportation systems, including airports, ferry terminals, and major roadways, all of which will facilitate travel within the islands and beyond. Now, in the U.S. Virgin Islands, this is how all neighborhoods fair:

Charlotte Amalie’s central location on St. Thomas makes it a highly accessible neighborhood. Its proximity to Cyril E. King Airport ensures easy connections to other destinations. Additionally, its position as the capital city means it offers various amenities, including shopping centers, restaurants, and cultural attractions, all within reach. As for the East End of St. Thomas, while more secluded, it offers its unique appeal. Residents in this area can enjoy a peaceful retreat while still having access to essential amenities through the nearby Red Hook area. Red Hook is known for its ferry services, connecting residents to nearby islands, and its vibrant commercial hub with grocery stores, restaurants, and shops. The Northside of St. Thomas also balances between tranquillity and accessibility. The town offers stunning views of the Caribbean Sea and lush greenery. And while it may also be a bit more secluded, residents can still find essential amenities, including grocery stores, schools, and healthcare facilities, within a reasonable distance.

Cruz Bay serves as the main town and transportation hub of the island. It offers a number of amenities, including shops, restaurants, bars, and tourist services. Also, its location provides easy access to the stunning beaches of St. John, such as Trunk Bay and Cinnamon Bay. In terms of accessibility, Cruz Bay is well-connected to other islands, with regular ferry services operating between Cruz Bay and Red Hook on St. Thomas, providing convenient transportation options for residents and visitors. The Reef is also perfectly located, with easy access to essential amenities. And because of the Red Hook area, this neighborhood is accessible by ferry, not to mention the Henry E. Rohlsen Airport on St. Croix offers domestic and international flights, allowing residents to travel easily. Lastly, Christiansted enjoys a central location on St. Croix, making it easily accessible from different parts of the island. Major roadways, such as Queen Mary Highway, connect Christiansted to other areas of St. Croix. The Henry E. Rohlsen Airport serves as the main transportation hub for the island, offering domestic and international flights.

Safety and Security

The other element you need to consider has to be the security of the area you are about to invest in. Of course, you will be looking for an area with a low crime rate and one with active community policing programs, well-maintained infrastructure, and effective security measures. With that said, most of the neighborhoods in the U.S. Virgin Islands, especially the residential areas, are generally quieter and hence more secure environments. For instance, Charlotte Amalie, being the capital city, obviously has an active police presence as well as well-established police security measures. Other areas, such as The East End and Northside, are characterized by a close-knit community, which means that the residents often look out for one another, and that’s despite all the security measures that have been put in place. The other neighborhoods, especially the ones in St. Croix, also have an active police presence as well as numerous security measures in place to ensure the safety of the residents and visitors. So, when looking for a neighborhood to settle in, you need to go for the ones with strong security measures already in place to give you your desired peace of mind.

Community and lifestyle

As you decide where to buy property, you must also evaluate the community and lifestyle prevalent in the neighborhood. Do you want to live in a close-knit community with frequent social interactions, or are you after a more independent and private environment? You must also study the traditions or events specific to the area to understand the community’s vibrancy and sense of belonging. Aligning the neighborhood’s atmosphere with your preferences will create a more fulfilling living experience. Looking at the U.S. Virgin Islands neighborhoods, Charlotte Amalie, the capital city, offers a diverse and vibrant community. It attracts residents from various backgrounds, resulting in a mix of local culture and influences worldwide. The East End area provides a more laid-back lifestyle. Residents in this area often value the peace and serenity of living in a quieter environment. It appeals to those seeking a retreat-like atmosphere, away from the hustle and bustle of the city. The Northside offers a mix of private and close-knit communities, depending on the specific neighborhood. Some neighborhoods, such as Peterborg and Magens Bay, are known for their upscale homes and exclusivity. Residents here may enjoy a sense of seclusion and privacy while still having opportunities for social interaction and community engagement. Cruz Bay offers a laid-back island lifestyle and a vibrant community with many outdoor activities. The Reef in St. Croix is an exclusive residential community offering a secluded and tranquil living environment, appealing to those seeking a private and upscale lifestyle. This is just an example of the areas around the islands and what they have to offer regarding their lifestyles.

Amenities and infrastructure

You need to assess the neighborhood’s availability and quality of amenities and infrastructure. Look for convenient access to parks, recreational facilities, shopping centers, restaurants, and other services that enhance your quality of life. Consider the presence of schools and educational institutions if you have children or plan to start a family. Additionally, evaluate the reliability of electricity, water, and internet connectivity to ensure a comfortable living environment. Most popular residential neighborhoods in the islands offer amenities, including shopping centers, restaurants, and cultural attractions, all of which are easily accessible. And inter-island movement has been enhanced by the major transportation infrastructure already in place, such as the Red Hook ferry terminal and a few airports in the area. With regard to the education of your children, you should know that the islands provide educational opportunities for residents of all ages. There are public and private schools offering primary and secondary education. Higher education options include the University of the Virgin Islands, which offers undergraduate and graduate programs.

Future development and appreciation

The other factor you must consider is the potential for future development and property appreciation within the chosen neighborhood. You may consider researching local zoning regulations, infrastructure plans, and upcoming projects that may impact the value and desirability of the area. Also, look for neighborhoods experiencing growth and investment, which can increase property values over time. Balancing the present appeal with future potential can be advantageous for both personal satisfaction and long-term financial benefits. So, looking at the common residential neighborhoods in the islands, Charlotte Amalie has a history of continuous development and investment, which always positively impacts property values and contributes to long-term appreciation. Other areas such as East End, Cruz Bay, and Northside, while less developed, offer the potential for property appreciation as the demand for more secluded and scenic locations increases. Natural beauty, stunning beaches, and lush landscapes characterize these areas. As such, they may attract buyers seeking a serene living environment. Investing in properties with unique features, such as ocean views or access to private beaches, can further enhance the potential for appreciation. Historic neighborhoods like Christiansted may experience ongoing development to preserve their cultural heritage and attract more visitors. This could lead to increased investment in tourism-related infrastructure, potentially positively impacting property appreciation in the area.

Natural beauty and outdoor activities

Last but not least, take into account the natural beauty and outdoor activities available in the neighborhood. The U.S. Virgin Islands are known for their stunning beaches, lush landscapes, and opportunities for water sports, hiking, and exploring nature. Therefore, you may consider whether the neighborhood provides easy access to beaches, parks, and outdoor recreational areas that align with your interests. Living in a neighborhood with abundant natural beauty can significantly enhance your overall living experience. Now, as someone who appreciates the beauty of your home area and an outdoor enthusiast, you can consider places like Cruz Bay, Charlotte Amalie, East End, and Northside of St. Thomas, which are known for their picturesque and breathtaking beaches, including Sapphire Beach, Secret Harbor, and Magens Bay. These areas provide opportunities for snorkeling, diving, and other water activities. Also, the tranquil environment is ideal for those seeking a closer connection to nature and a more relaxed outdoor lifestyle. As for The Reef and Christiansted and all other neighborhoods in St. Croix, you will be surrounded by dense natural beauty, where you can enjoy pristine beaches, coral reefs for diving, and a serene environment for outdoor activities. Also, in the Christiansted neighborhood, you get a picturesque waterfront location, allowing residents to enjoy boating, fishing, and exploring nearby beaches, including the famous Buck Island National Monument.


As we conclude, selecting the right neighborhood when purchasing a house in the Virgin Islands requires careful consideration of multiple factors, as discussed in this guide. Everything from the location, safety, availability of amenities, infrastructure, and accessibility of the area, not to mention the affordability of the property, you need to carefully consider before putting your money on a property in these islands. Ultimately, you can choose a neighborhood that resonates with your interests and values, allowing you to form meaningful connections and experience a true sense of belonging. So, take time to explore your options and choose the neighborhood that feels like home, embracing this paradise’s opportunities and beauty.

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