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How to Do Turks and Caicos on a Budget

Turks and Caicos is absolutely breathtaking. White sand that feels like you’re walking on clouds. Vivid turquoise water that’s genuinely perfect. But does all that beauty come with a price? Is Turks and Caicos expensive? And can you travel to Turks and Caicos on a budget?

turks and caicos on a budget couple walking on a beach shot from above white sand teal water
Beachy views while visiting Turks and Caicos on a budget😍

This post may contain affiliate links. For more info, see my disclosures.

Well….yes! My husband and I took a 7 night, 8 day vacation to the beautiful Turks and Caicos. We stayed on Providenciales and pretty much had the best time ever – without breaking the bank!

With research and only a little bit of frugality, it’s totally possible to have a perfect beachy vacay for cheap. Let me repeat that:

You can go to Turks and Caicos on a budget.

My husband and I saved over $7,000 on this trip. It’s true.

I’ll show you how to do the same with the guide below.

walking long bay beach in turks and caicos
Walking Long Bay Beach in Providenciales {free activity}.

But first, I wanted to address a question I’ve received a lot since my trip:

Is Turks and Caicos safe?

Absolutely! I felt safe 100% of the time in Turks and Caicos. My husband and I stayed on Providenciales and explored the entire island. Never once did I fear anyone or any situation.

We went all over the island. We had to go everywhere to check out all the best beaches on Turks and Caicos.

I’ve been to other islands in the Caribbean that did not feel safe. There’s just something about policemen and security guards carrying large weapons that don’t make a girl feel safe, ya know?

But for those asking if Turks and Caicos is safe – my answer is yes!

Okay, let’s get back to the guide.

boat on the beach in providenciales
Picturesque scene on the beach in Turks and Caicos

Turks and Caicos on a Budget

How to buy cheap flights to Turks and Caicos

My best tip to saving money on your luxury island vacation is to find cheap flights.

I mean, obviously that’s the goal. But how do you find a cheap flight to the beach? Wait for the deals to come to you. Yep, you read that right.

Hop on over to my best budget travel tips article where I break down my favorite free and cheap flight subscription services. They’re seriously so good!

I signed up for flight alerts from FareDrop and received an alert that flights were 40% off to Providenciales, Turks and Caicos.

Turks and Caicos on a budget overlooking Bight Beach
Snorkeling (for free) just off shore at Bight Beach

Cheap flights to Turks and Caicos:

Price I paid for flights: $415 per person
‘Normal’ flight price: $690+ per person
Savings for 2 people: $550

Pro tips:

  • Be flexible with your dates
  • Save the money for vacation ahead of time so you’re ready to buy on a whim
  • Get flight alerts through FareDrop. Book the flight right away before the deal is gone!

Your biggest trip costs are typically getting there and staying there. Which leads me to my next tip….how to save money on accommodations in Turks and Caicos.

turks and caicos for cheap
Relaxing and affordable vacation in the Caribbean

Turks and Caicos – where to stay

Don’t stay at a pricey resort on Turks and Caicos. I mean, not if you want to save a boatload of money anyhow.

With all the things to do in Turks and Caicos, are you really planning to stay in your room much anyway?

Let me caveat this: there are absolutely times where staying at a luxury resort is an incredible experience. But if you want to find out how to travel to Turks and Caicos on a budget, pricey hotels or all-inclusive resorts are not the answer.

There’s simply not a lot of hotel options right now on Providenciales (or the other islands for that matter) so hotels are really expensive.

Instead, find a vacation rental that will fit your needs. Vacation rentals are a fraction of the price of hotels or the best Turks and Caicos all inclusive. I was really surprised at how many options for vacation rentals were available on Turks and Caicos.

My husband and I stayed at a guesthouse that was literally the perfect size for just us. Bonus – it came with a kitchenette which also helped us save money on food (more on that later).

Budget-friendly accommodations on Turks and Caicos:

Price: $207/night at a vacation rental (includes all fees and taxes)
Standard room at the most popular all-inclusive resort on Grace Bay Beach: $1,105/night (includes all fees and taxes)
Savings: $6,290 (minus food, of course)

Okay, can you seriously believe the savings here???

Places to stay in Turks and Caicos picture of a guest house to save money
Our vacation rental was the perfect size and had just enough amenities for a week long vacation.

Pro tip: make sure to ask your host if the rental includes beach towels, chairs, an umbrella, cooler and other beach items. Our rental came with lots of beach gear and it was amazing!

What it didn’t come with:

  • Someone to wait on us hand and foot
  • Swimming pool
  • The ability to walk out of our hotel room and be on the ocean

We had a much different experience than staying at a hotel on Turks and Caicos, but we actually enjoyed it much more. It allowed us to explore the island, including all it’s gorgeous beaches instead of sticking around the hotel.

It also required a rental car…so let’s get to that next.

Getting around Turks and Caicos

You’ll need a rental car as they don’t have Uber or Lyft in Turks and Caicos. There are taxi’s but they’re pricey.

Review all my suggestions for saving money on rental cars here.

If you can’t save money using travel rewards points or finding a discount, just opt for the smallest vehicle that will fit you and your luggage.

Seriously. The smallest one.

rent a car in turks and caicos car along the road with beach in background
“Thor” our rental car in Providenciales

Do you really NEED all that leg room for your 20 minute trek across the island? Do you need it more than you need the extra $100 it will cost you for the upgrade? My husband is 6’ and drove around in a compact rental car, which was actually surprisingly spacious inside.

Pro tip: you’ll be driving on the left side of the road. Start wrapping your head around that now.

If you’re trying to do Turks and Caicos on a budget, save money on a rental car.

Side note: we ventured down an extremely rough road over to Malcolm’s Road Beach which was one of the best adventures of the trip. After our mini car made it through the bumpiest road I’ve probably been on in my life, we named it ‘Thor’ for the rest of the trip. #BestRentalCarEver

turks and caicos island
Can’t believe this beautiful place can be visited on a budget

Turks and Caicos – cost of food

If you’re not staying at an all-inclusive, the cost of food can really add up! Especially if you’re not careful.

Food prices on an island can be high, whether you’re heading to Hawaii, Turks and Caicos or anywhere else for that matter. So consider this and make sure you add food into your vacation savings plan in advance.

Here are some tips for enjoying Turks and Caicos on a budget while not spending a ton on food:

Eat at restaurants further inland, without an ocean view. Typically the priciest places to eat on an island are those with a view, where the tourists will spend their money. Avoid this trap.

eating for cheap in the caribbean - pineapple on fork at the beach
Store-bought pineapple packed in a cooler for our beach snack. Perfection.

Hit up a grocery store and buy breakfasts and lunches for your stay and eat at your vacation rental. I know this doesn’t sound like the most fun thing ever on your trip, but trust me you’ll save a serious stack of cash! Just keep it simple so it’s not a lot of work and you’ll be glad you did.

Pro tip: buy gallons of water instead of bottles because it’s way cheaper. Just make sure to buy the gallons inside the store, not the ones sitting out in the sun to avoid that plastic taste.

Turks and Caicos on a budget cheers to the ocean
Enjoying a fruity cocktail on the beach for less! Store bought liquor, travel blender and cold cup.

Pack snacks from home. With prices being more than double what they are back home, why not throw a couple boxes of granola bars in your luggage?

Bring your own mini blender and hit the liquor store. If you like fruity cocktails as much as I do, this a huge savings hack! You’ll have to pack it in your checked bags, but if you’re planning to enjoy a few drinks on vacation, this is the way to go.

This is my favorite travel-size blender. Make sure to get insulated cups and reusable straws for the beach.

Turks and Caicos food on a budget:

Breakfasts, lunches and alcohol at vacation rental: $261
Breakfasts, lunches and alcohol at restaurants and bars: $840
Savings: $579

Savings calculation for food and drinks: We spent $145 at the grocery store, $116 on alcohol and mixes. Divided by 6 days based on our travel schedule is $11 per person, per meal. (We did bring a bottle home with us and had some leftover food and drinks for the next guest.)

cost of food on turks and caicos
First fruity rum drink right on Grace Bay Beach – $25 per drink – ouch!

At restaurants, $20 per person was the cheapest meal we found on the island during our stay. For a nicer meal you’d expect to pay $50 or more per person. Alcoholic drinks ranged from $15-$25 each.

I estimated a conservative $480 for breakfasts and lunches and $360 for alcohol (2 drinks per person per day).

Pro tip: don’t skimp on every meal or it won’t feel like vacation. My husband and I ate dinner out each night which was a splurge to help us find balance on our trip. This allowed us to feel like it was a luxury vacation but without the luxury price tag!

Your next biggest spending area could be activities. Let’s get to that!

Turks and Caicos activities (for less)

turks and caicos on a budget even including activities like horseback riding
Horseback riding was the best!

This could make or break your vacation budget. Considering Turks and Caicos has some of the most gorgeous beaches in the world, it’s really easy to enjoy the sunshine and turquoise water for free.

Check out this guide to the best beaches on Turks and Caicos.

There are lots of options for activities in Turks and Caicos, ranging from catamaran sunset tours to renting glass-bottom kayaks on the beach. I’d recommend to pick one or two that cost money and spend the rest of your days soaking in the sights (for free) if you’re trying to stick to a budget on Turks and Caicos.

Our favorite activity that we splurged on was horseback riding in the ocean. It was one of the coolest travel experiences I’ve had. Ever.

Snorkeling on Providenciales

snorkel gear drying off a palm tree in Turks and Caicos
Drying our snorkel gear on a nearby palm tree. So many great places to snorkel in Providenciales.

Because Turks and Caicos is famous for it’s snorkeling and diving, I’d highly recommend to bring your own snorkel gear. It’s cheaper than taking a snorkeling tour and you can snorkel when and where you want.

My husband and I brought our own snorkel masks and were able to snorkel all day long – for free!

Our favorite free snorkeling spot was the beach at Smith’s Reef.

Cost to buy snorkel gear on Amazon: $52
Cost for 1/2 day snorkel excursion off Providenciales: $110 per person or more
Savings: $168

Related read: Best places to watch the sunset in Turks and Caicos

A recap – is Turks and Caicos expensive?

best ways to travel for cheap to turks and caicos
Can’t get over these stunning views!

There’s no doubt that Turks and Caicos is a luxury destination. It can be very expensive, running over $10,000 for a week-long stay for a couple. But my husband and I enjoyed this luxury destination for less than $3,000.

Best advice? Fly and stay for cheap. You can save money at many points throughout your trip but your largest savings will be getting cheap flights and avoiding pricey hotels.

Before your book your trip to Turks and Caicos, you’ll need to decide what type of vacation it’s going to be. If you’re looking to save some money and go on a budget, it’s absolutely possible.

Also, I’d take a luxury vacation with the gorgeous views of the most turquoise water ever if it meant sticking to a budget. Would you?

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    More beachy budget-friendly destinations:
    Is Aruba Expensive? Ultimate Guide to a Cheap Aruba Vacation
    How to Visit Belize on a Budget: Money-saving Tips and Tricks
    21 Cheapest Island Vacation that are Surprisingly Affordable

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    How to do Turks and Caicos on a budget

    *Prices accurate at the time of this publication.

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    ways to have a luxury vacation for way less turks and caicos

    Alice Ripper

    Monday 15th of January 2024

    Can you share the listing for your guest house rental? Also, are there ferries to get from island to island?


    Tuesday 16th of January 2024

    Honestly, I didn't have a 5-star experience at the guest house. It was excellent location and budget friendly, but had a few other issues. I'd recommend filtering by price and reading the reviews to find something that works in your budget. :) As far as transportation between islands, there are passenger ferries to take between Providenciales and North Caicos, South Caicos, and Grand Turk and Salt Cay. I haven't personally used them yet, but it sounds like it's pretty easy to do so.


    Wednesday 4th of January 2023

    WOW your vacation looks amazing! I'm trying to book a vacation for my husbands birthday and I think I need to take him to Turks and Caicos now! Do you help people look for budget friendly flights, airbnb, etc?


    Wednesday 4th of January 2023

    Tatiana - Turks and Caicos would be an excellent location for a birthday trip! I'm not a travel agent so I actually don't help clients directly search for travel. Feel free to use the links on this page for recommendations though. I hope you find it within your budget and you have a fabulous vacation!


    Sunday 31st of July 2022

    As an avid traveler, I enjoy finding gems like this article. Travel doesn't have to be expensive to be fantastic. We are going in September and found RT airfare for $600 total for 2 people from NYC (flexible schedules). Plus we decided to stay at Villa Del Mar, a block away from the beach and a fraction of the cost (8 days=$1500) and the best part is, they set you up on the beach next to the Grace Bay Club. We are in walking distance of most things too. The food and drink tip is clutch! While T&C prices are slightly less than NYC, it is still expensive, and I refuse to spend $20 on breakfast lol. I'd rather spend money on experiences and nice dinners. Thank you for the tips!


    Sunday 31st of July 2022

    So glad to hear you're heading to this beautiful island, and that you're doing it on a budget comfortably! It's totally possible (as you've found out) and one of the most incredible places in the Caribbean. I hope you have an amazing time!!!


    Saturday 20th of November 2021

    This is great. We leave for TC this coming Thursday and will be there a week. Thanks for the great tips. One question. How is the internet there? And does your cell phones work on the Island? So excited for our first trip there.


    Saturday 20th of November 2021

    Oh yay that's soooo exciting! The internet at our vacation rental was ok. I live in the USA and had no problem with cell service. We drove the island using GPS and that worked relatively well too. Some spotty areas, but to be expected on an island. Hope you have the BEST time on Turks - it's amazing!!


    Thursday 26th of August 2021

    Thank you so much for these great tips! I am planning a February vacation for my family of 5 (2 parents, 3 teens) which at a resort would be $15,000 before airfare! Using points to fly for $450 total and renting a condo at Grace Bay for $3,200. Planning to do the same as you with food and alcohol. Dinner or a late lunch is always our splurge too. Thanks for the tips on car/activities!


    Friday 27th of August 2021

    You're so welcome, Beth! TCI can get pricey real quick. But I love you can have a fabulous Caribbean vacation without the hefty price tag. I hope you have THE BEST time!!