What was presented on this thread has confused people! There are different costs of some things between the two Islands. But some things cost the same but posters from Caye Caulker have confused the issue.
For instance insurance! Your house has to be appraised by a certified appraiser. It then is determined what the insurance rate is...you can't determine that yourself! You can't insure a shack at the level of a concrete house.
You have been given incomplete and skewed information.