Living in Ecuador

"The current wisdom is to try any country on for size for a few months and Ecuador is no exception. And happily, the Ecuadorian government makes it reasonably easy to do, for up to six months. When you land and they stamp your passport that gives you a 90-day visa, Basically 3 months. The day after that visa expires you have to present yourself and your passport at an office of "Migración" where they will give you a slip of paper to take to a Banco Pacifico to pay $140 (not positive if that is still the amount but it was a few months ago for my step-son's Mexican fiancé). You take the payment voucher back to Migración and they stamp your passport for another 3 months. Problem solved. Happy exploration. That is the process for both Canadian and US visitors but I don't know the regulations for other countries outside of South America," remarked one expat living in Cotacachi, Ecuador.

"There is an expat community in Vilcabamba. Its membership varies in variety and number. People arrive people depart. Some are in the town, visible every day, some come in only on market Sunday, some might go months without setting foot in the town. Come for a visit. Stay more than a couple of days to get the feel of the town. Have a taxi give you the tour. You'll have a better idea of the place and options for living there. Look at San Pedro and Malacatos as well, two towns near Vilcabamba. These are worthwhile places to look at," wrote one member in Vilcabamba.

"Weekly expat Fridays at 5, currently held at Sakura Restaurant on 3 de Noviembre in front of the Tomebamba River at the bottom of the Escalinata," said one expat who made the move to Cuenca.

"You'll meet a lot of fellow expats at the favorite restaurants in Olon around dinner... Try Roadhouse, Spondylus, Rasimar, Il Pirata, and MoMos. On Saturday afternoons a group meets at Jerry's Cabana on the beach. The pensianado/retirement expats in the area are an eclectic group and you'll find them enjoying the beach, volunteer opportunities in the community, as mentioned dining out, participating in and watching sports, games (poker is big), and generally enjoying life and their community," explained one expat living in Olon, Ecuador.

"Try to be in town for a Sunday morning. The market is active and lots of folks who keep to the countryside week days come to town to visit and buy produce that day. Lots of spots around the square for coffee and meals and meeting people who'll be able to share their experience. Who did I hang out with this past Sunday? They were Dutch, Russian, Swedish, Canadian. And we sat in front of a real French Bakery. So it's not just gringos (I restrict that term to citizens of the USA) its not a derogatory term. "America" is a hemisphere, not a country. But the Vilca scene isn't for everyone," mentioned one in Vilcabamba.

"There are now two expat groups which meet in Cuenca each Friday night at 5 p.m. One is at Zoes and the other at the Ecualyptus. From here you can meet and greet other expats and then extend you network," explained one expat who made the move to Cuenca.

"Expats living in Ecuador often join local clubs, attend cultural events, and join social media networks centered around activities they love. Expatriates may also join online communities specific to the country where they live, such as Ecuador Expats Online, which is a popular forum. Furthermore, connecting with other local English-speaking expats through local churches, booksellers, and language classrooms can provide an excellent way to meet people from all over the world. Finally, expats may join outdoor activities such as hiking, diving, and mountaineering, which not only provide an opportunity meet each other, but also Experience the beauty of Ecuador," said one expat living in Ecuador.

"Cuenca has a lot going for it as far as the arts. There are always free concerts that you can attend in the city. Art festivals, Choirs, Orchestras you name it. This is a very family oriented society and life revolves around the family. My local business colleagues are always spending time with their families on the weekends and we should learn from them. They have a wonderful network of family around them. Religious events are a time for parades, church and other activities," remarked one expat living in Cuenca, Ecuador.

"Salinas is a really nice place. Is like being in Guayaquil, but with a beach nearby, You will find supermarkets, banks, schools, hospitals and many more things than other ecuadorian beach. And a big plus is that is near Guayaquil (the biggest city in Ecuador and main commercial city of the country)," wrote one member in Salinas.

"This is a tourist town that only has tourists occasionally. Most people do menial jobs," remarked one expat who made the move to Bahia de Caraquez.

"Ibarra is the capitol of Imbabura and as such has many lawyers in the area but it is primarily agricultural with a lot of commerce going on. It is the largest of the cities in this province and offers a lot of night life, greater restaurant selection and a pretty progressive city leadership," explained one expat living in Ibarra, Ecuador.

"People here have one main priority- putting food on the table and caring for their family. They work 7 days a week when they have work. They sell items on the street, bake bread and torts for sale, clean, do general labor or what they can to exist. They are mostly industrious, though there are those few who will loaf, steal, and rob to stay alive. Those with solid jobs then concentrate on their children and homes. The wealthy associate with others like themselves. Most are middle class here- which would be considered dirt poor in the US. I have not met a single discourteous or unkind person toward foreigners. Everyone says Good morning or afternoon as you meet. They are respectful of older persons and help those whom are infirm and need assistence. In many ways it is like the US was back in the 1950's when life was slower, easier going and people had respect for each other," said one expat in Bahia de Caracruz.

"¡Cuidado! That's the watchword. For many expats, unfamiliar with the language and customs of a foreign country, the experience of living in a "foreign" city or town can be disquieting and possibly downright scary. Learning the language, getting to know the people and customs ( and not locking oneself away in an English-speaking compound ), and practicing common sense regarding personal security can go a long way in ensuring a peaceful and pleasant life in that country. Yes, Ecuador has changed in the past few years, due to the major influx of Venezuelan refugees, a stagnant economy, and the proliferation of Mexican and Colombian drug mafias. There are areas in my city where I no longer feel comfortable walking at night. I find myself much more cautious than when I first began to live here full-time ... but of course, I'm 11 years older now, and aware of my physical limitations. Still, I wouldn't trade my life or lifestyle for all the money in the world or all the tea in China. For those of you living here, planning to move here, or just wanting to visit our beautiful and diverse country ... Come enjoy the life and lifestyle. Have fun! Love and laugh! But ... take the rose-colored glasses off and ... ¡CUIDADO," commented one expat who made the move to Machala.

"Yes, there is some crime in Ecuador. Though it is not as prevalent as in some other Latin American countries, crime does occur, including theft, pickpocketing, assault and mugging. Additionally, there is organized crime related to international drug trafficking. Violent crime tends to be concentrated in some of the larger cities and tourists should exercise caution when travelling in certain areas," remarked one expat living in Ecuador.

"Not a lot of crime in Cuenca but people need to us common since living here as they would in any city," wrote one member in Cuenca.

"The majority of people here are Catholic. There are a large number of Evangelical Prostestant Churches. Also many Mormons are here helping the poor. They are very tolerant of all religious followers here, as long as you don't tell them their religion is wrong," remarked one expat living in Bahia de Caracruz, Ecuador.

"Ibarra is considered pretty diverse as far as Ecuador is concerned. The largest group is Mestiza at 75% with an equal amount of Afro, Indegena and Blanca...all at about 8%. There is lots of commerce here and it is surprising to me how quickly people here adapt to the internet and other technologies so readily. I forget that the US was once technology illterate," wrote one member in Ibarra.

"I believe that the people here are warm and accepting. I certainly have not come across any hostilities to expats. They are very eager to be of helping nature," remarked one expat who made the move to Cuenca.

"Yes, there is a lot of diversity in Ecuador. Ethnic groups, languages, backgrounds, and cultures all exist in the country in a variety of forms. Ecuador is home to people of African and Indigenous descent, as well as those of European and Middle Eastern descent. Additionally, a wide range of religious beliefs and practices can be found in the country. Generally, Ecuadorians are very accepting of diversity and are known to embrace it as part of the national culture," explained one expat living in Ecuador.

"I would highly suggest taking a look at all options in Quito. This school has made a rapid change to being an elitist, local school where students of powerful local families are given preferential treatment and their parents are allowed to dictate what is done at the school. Discipline is non-existent. The curriculum is constantly "being worked on" and the school is all about how it appears, not substance. Bullying by local, wealthy is prevalent and the school takes no action. The answer is to make the target and their family the problem and wait for them to leave while the bully is allowed to continue for years to come," remarked one expat living in Quito with children attending Academia Cotopaxi.

"The Graded American School in Ecuador (GASE) is an excellent bilingual international school located in Quito. It offers a quality, comprehensive American-style education to international students of all ages, from Pre-K through 12th grade. The school offers rigorous academic programs and diverse extracurricular activities to make learning fun and engaging. GASE is accredited by the Southern Association of Colleges and Schools in the United States and by the National Ministry of Education in Ecuador. The Canadian Academy in Quito is another popular option for international education in Ecuador. It is an internationally accredited bilingual school with a stringent academic program that emphasizes critical thinking, creativity and 21st-century learning. CISCO certified courses in computer engineering and digital media are among some of the unique features of this school. The Academy also offers an array of extracurricular activities that emphasize teamwork and community participation. The Anglo-American School of Quito offers an international curriculum that offers a unique blend of Ecuadorian and British educational styles. It is accredited by the National Council for the Evaluation of Educational Quality in Ecuador, making it the first international school in the country to receive this prestigious accreditation. The school has programs ranging from Pre-K through 12th grade, with a curriculum that incorporates innovative technology such as robotics, coding, and 3D printing. Finally, The Paradise Private School in Guayaquil offers a bilingual, transnational and multicultural education. It is an IB World School, meaning it offers a holistic certification in its schooling system, ensuring that graduates are well-prepared to meet the challenges of an ever-changing global environment. Additionally, Paradise Private School has a strong focus on student leadership development and provides a range of extracurricular activities," said one expat in with children at .

"You must come to the campus to see. It is a nice little campus in the upscale community of Cumbaya. Tuition runs about $6,000 per semester and $1500 for the summer semester. They do offer financing through the University as well as scholarships to top performing students. Class sizes are small and there are a wide variety of programs of study available. It is a nice option to the expensive US colleges," remarked one parent with kids at Universidad San Francisco de Quito (USFQ) in Cumbaya.

"Highly recommend this wonderful school. They tailor their program to meet the needs of the individual child," explained one expat living in Cumbaya, Ecuador.

"I have meet folks who live on $1200/mo including rent. Our lifestyle is more like $1200-1500 and we own our place. That includes eating out, 2 grocery runs/month, beer deliveries and biweekly massages for two," said one expat who made the move to Manglaralto.

"The cost of living in Ecuador varies and depends on what city or region you are located in. Generally speaking, daily expenses can be kept low if you are living outside of the major cities. Groceries, transportation, and rent are generally much cheaper than in other countries. However, prices for imported goods, luxury items, and eating out in restaurants can be more expensive," explained one expat living in Ecuador.

"A couple can live here on $1200-$1300 a month which includes for example 3 bedroom 2 bath modern apartment. A single person can live under $1000 a month," remarked one expat living in Vilcabamba.

"Prices are and product availability and servicing is changing rapidly. Though many things have always been cheaper (food and lodging) technological products were very dear 10+ years ago, they are not now. I bought a new computer yesterday and the price (with a bit of shopping) was 5% more expensive for the same thing on Amazon.com. us. I double-checked, all specifications. That being said, if you are looking for a city and country cheaper than Cuenca, there are plenty. They simply will be far less fun," said one expat living in Cuenca.

"I've lived here for five-plus years now, on the flanks of Volcan in Cotacachi where my Ecuadorian wife and I have built a home on 1000 sq. meters of property. The cost of living, which I estimate at about 10 – 15% of costs in Canada makes it possible for us to live well on my meager pension and maintain my investment portfolio for travel and splurges. I am a numbers guy by nature and keep a running spreadsheet of daily expenses, which since we are not even close to rich is necessary to try to control rampant spending. I'll make a list of the basics (more or less Fixed expenses): Phone: $30 for one unlimited cell phone with data. Internet: $22/month for good service of 30MBS fiberoptic. Electricity: Average of $25/month. Water, good clean potable water: amazing but true, $1 (one dollar/month.) Full medical coverage including most prescription drugs, through IESS, Ecuadorian medicare: $90/month for the two of us. Property tax: For whatever reason it has never exceeded $3/year. When we paid rent, before we built, it was $125/month for a two-bedroom apartment.. Our two-bedroom 2.5 bath home with big patio and carport cost around $35k to build, with me working along a team of five 'albaniles" masons who I paid $100/week for five long days of hard work, no coffee breaks, usually no lunch break as they eat while they worked and worked like demons with no pushing. The work ethic here is astounding. Food is divided into two catagories. Groceries (supermarket and local markets): Around $250/month for what we prepare at home and we eat extremely well. Dining out, a couple of times a week we have a (usually shared) meal out. About $80/month or less. The two of us can almost always eat very well for under $6 for both. No added tax, no tips. What you see on the menu is what you pay. Period. We spend hardly anything on alcohol so that's not relevant since we might have a drink once or twice a month and never out. We have a car, which are extremely expensive to buy but not too bad to maintain. Mechanics are good, lots of competition, and often work for an hour or more for $10. Or they say forget it if the job is easy, or they ask for a couple of bucks (for a cola). Nobody that I know who drives has automobile insurance. Or homeowners insurance for that matter. I've never figured out what the 'bomberos' firemen do all day. Reminds me of the old ads for the Maytag repairmen. Everything is built of concrete, cement blocks or bricks. Tile surfaces and concrete floors and ceilings. Food in the markets, fresh, wonderful fruit and vegetables are 10% to 20% of what they cost in the north, for me British Columbia, Canada. I find myself getting pissy if avocados cost more than 3/$. Mangos 2 or 3/$. Lettuce is $0.50 head, as are broccoli and fresh greenbeans. Vine-ripe tomatoes are usually$0.10/each. bananas $0.02/each, Onions and bell peppers are often 6-10/$. Eggs are high now, at $3.50-$4/for a flat (cubeta) of 30. usually in the fresh produce world prices are given in a how many for a dollar. Fresh meat is sold by the pound. Beef is about $1.50-2.00/lb. Pork is $2-2.50/lb for any cut. whole chicken costs about $1.25/lb, and pieces (legs and thighs, or breasts are around $150/lb. I could go on, but you get the idea. Come find out for yourself," mentioned one expat inCotacachi.

"If you live like the Ecuadorians live, it is very cheap as the basic salary per month is $425. Costs go up the more you live like an expat and the closer you get to approximating your same lifestyle in the USA or Canada. General rule of thumb is if the locals use it, there will be an inexpensive option. If not, it is expensive. If you can find it, Campbells Chicken soup in red and white label is about $3. Apple pie filling (can of fruit) is $11. Note that basic salary here is $425 per month. Utilities like electric (appox $20-25 per month, water $10 per month, gas is propane tanks, they bring a replacement tank into your house for $3.25 and take away the empty. Cell service about $25, internet about $35-40. Total utilities about $100 per month. Diesel is $1.70 per gallon. Gym memberships are often pricier than US, same with dry cleaning and laundry service," commented one expat who moved to Ecuador.

"The availability of fresh seafood, vegetables and fruits delivered to your door or purchased at the market are very reasonable, a household of two adults averages $200 per month for groceries. Rental properties range from $450 up based on location and size. You can purchase a beachfront home for under $200K. or off the beach from $50K. and up. Restaurants offer daily "almuerzo" specials for $3, dinner starts at $4 and up. Utilities are inexpensive, propane gas $1.75 refill, water for the cisterna $15, large jugs of bottled water $1.50, Wifi basic plan $25, electricity varies based on use of AC during the hot season (January - April), no AC. $45 - with AC, $100 and up. Transportation via bus starts at .50 cents and goes up based on destination. Taxi varies based on destination, fare starts at $2," remarked one expat living in San Jacinto.

"We have a hiking group on Facebook called Vilca Hikers. Every week we explore a trail in our area and other villages around. People also enjoy horseback riding, bicycle riding, tennis, yoga, games like bridge and Texas 42 and dining outside in local restaurant gardens," said one expat.

"I can highly recommend Cabalgatas Canoa. Horseback riding on the beach. The stables are run by Zia Sherrell of the UK who has been here for close to a decade. The horses are very well cared for and she gets top reviews," commented one expat living in Canoa, Ecuador.

"Machala is the furthest south of the larger cities is cooler since it gets the Pacific sea breezes and the cooling winds from the nearby mountains, but remains a bit more partially overcast during the day compared to cities further north," said one expat.

"The weather in Ecuador is generally warm and humid, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit throughout the year. The coastal regions tend to be more humid and tropical, while the highlands are cooler and drier. The rainy season typically runs from December to May, with the heaviest rainfall occurring in March and April," commented one expat living in Ecuador.

"Just about perfect most of the year; May through November the average day time temperature is 78 degrees, low 60s. at night. The Pacific Ocean supplies a delightful breeze on most days and sunshine. January through April, hottest time of the year; temperature can reach upper 80s during the day and low 70s at night, rain normally occurs overnight and occasionally throughout the day," remarked one expat living in San Jacinto.

"Rather warm, sometimes hot, but we have enjoyed warm after so many decades of cold in Minnesota. The rainy season has seemed long a few of the nine years we have been here, and it lasts nearly six months, (Nov. to April)," said one expat living in Catamayo and Loja.

"As I'm sure you already know much of Southern Ecuador experiences a rainy and a dry season. The dry season is approximately June through September, while the rainy season is approximately October through May. I actually check the radar on weather.com and find it to be relatively accurate. Right now we are in the middle of rainy season which mostly means daily showers late in the afternoon," mentioned one expat inMalacatos.

"Good prices for eating out! Variety in both Catamayo and Loja. We can eat a very healthy, good meal for $5.00 in Catamayo. We have not participated in nightlife much just to go out to eat at different restaurants where sometimes you might have someone serenade you at your table," commented one expat who moved to Catamayo and Loja.

"There are about 30 restaurant in a town of 5.500 people. Many choices and types of food, from local Ecuadorian to Turkish and American/European foods," said one expat.

"No nightlife and as I stated previously, anything from local mom and pop restaurants to more foreign type. All very affordable though either way you choose," commented one expat living in San Clemente, Ecuador.

"Montanita is the nightlife spot about 10 minutes from me. Lots of young people use the 2 or 3 dance clubs in town. All along the Coast are great little seafood shacks. Near me are also Thai, Peruvian, Mexican, Italian and American style restaurants," remarked one expat living in Rio Chico.

"Seafood is the main course here on the coast of Manabi, there are other restaurants serving grilled pork, chicken, steak with sides of rice, salad and plantains. Chinese cuisine is available as well. There is one pub located in San Jacinto and three in the next village located ten minutes away via bus/taxi or a 25 minute walk on the beach," said one expat living in San Jacinto.

"Local shops are terrific for produce, meats and most every day needs. It's like shopping in the US years ago with one shop just for meat and another for fish, etc. Many expats make the trek into Salinas to shop at the big box grocery stores or the mall at least once a month for those hard to get items," mentioned an expat living in Rio Chico.

"Local people shop at the local mom and pop stores. Expats travel to Bahia de Caraquez 45 minutes away or to Portoviejo 45 minutes away. There are big modern grocery stores there that have just about everything one would be used to back home. The prices are not bad either. There is also a large weekly vegetable market in Charapoto 10 minutes away every Sunday. In addition, there are trucks loaded with fruits and veggies that drive around town just about every day," said an expat in San Clemente.

"Local Tiendas sell almost everything that you need for your pantry. Additionally, there are markets and vegetable/fruit trucks soliciting door to door. The local fishermen sell their fresh catch daily and deliver upon request. There is a large market on Sunday in Charapoto, 10 minutes away via bus or taxi," remarked one expat in San Jacinto.

"It appears that most of the people like to shop on the special marketing days where people come from miles around to show their wares. As I mentioned, Tia has some good buys (specials) and SuperMaxi is great up in Loja," wrote one expat living in Catamayo and Loja.

"Crucita is close enough to Manta or Portoviejo to get the major shopping done. There are small stores here in town and there is a larger grocery store that just opened," commented one expat who moved to Crucita.

"Also, they may tell you to submit documents electronically but you WILL need them in paper versions. Visas are now electronic but Immigration requested a paper copy of my visa (and their ministry issued it!) which was NOT listed as one of the documents needed. You actually rarely use your visa once you obtain a cedula (ID card) based on the visa, not even for reentry to Ecuador once you have a resident visa. USA passport and cedula are all needed, except for at times, covid vaccine card. I took a photo of my cedula side by side with covid vaccine card and use the photo when needed. Bring extra original documents like birth certificates and marriage licenses and background checks, at least 3 originals of each and apostilled. Your background checks will be good until you return to USA, obviously you are not committing crimes there while you are living here. Expensive and difficult to get more documents while you are here sent from USA," mentioned an expat living in Ecuador.

"The latest residency visas are a two year temporary deal that can then be exchanged for a permanent one. Rules for qualifying stayed the same as when I came 3 years ago, but the temporary visa was a new idea instituted in 2017. The requirements of background checks and proof of ability to support yourself are pretty straightforward. Canadians have had good luck at getting visas before they arrive but most expats I know have used an expediting service or lawyer since the actual rules can change," said an expat in Rio Chico.

"That is a tough one! We made some mistakes, but the best way if one would choose to live in the area where we are to go to Cuenca. We know an ex-pat that told us after we had some serious problems, that we should have been able to get everything done there instead of traveling to Machala or Quito.," remarked one expat in Catamayo and Loja.

"As can be expected, this is a whole new experience in itself. My wife is Ecuadorian so the process should have been easy. It was not. I visited numerous offices in several cities and finally got my visa after four months. All I can say is bring your patience and be prepared to deal with zero logic," wrote one expat living in San Clemente.

"There are several types of permanent visa: Pensioner's -based on $900 income for a couple or $800 for a single, Investment - CD in a bank or property for min. $40,000 value, Professional - need a college or university degree. With proper documents the process for residency is not that difficult," commented one expat who moved to Vilcabamba.

"Private health insurance here is a fraud. The only people buying it are US expats who were trained that you need it in the States. Here, health care is so cheap that you will NEVER recover your premiums. Example - insurance quoted me $400/mo insurance. I just spent 2 weeks in the hospital in a private room with excellent care, and the total cost (no insurance used) was just over $5,000. IOW, one year of premium to pay for 2 weeks hospital, Unless you are in the hospital a LOT, you are better off self-insuring (as we do)," commented one expat who moved to Cuenca.

"I have chosen to keep both my US Medicare supplemental and also IESS public insurance here in Ecuador. As you may know the local healthcare here has been experiencing EXTREME financial difficulties so I haven't been so quick to drop my Medicare in the US. I am three years out of cancer and just don't want to take a chance yet in depending on soley on IESS. I've unfortunately watched it fail horribly for some friends. At least with both, I know that I can always return to the US if I need advanced healthcare. If you do plan on dropping it, it's one of those things that needs to be done from the US so something to keep in mind. For me the price is worth the piece of mind to keep both and it's honestly about the same price of getting private insurance here. I pay $170 supplemental in US and $78 here for IESS. Private insurance because of my pre-exisiting here was quoted at $350. Hope that helps! Just my experience," said one expat.

"I would pay out of pocket if it were still available, because doctors are cheap. With my cheap insurance, I will still have to pay out of pocket and maybe get reimbursement if I'm lucky. Insurance here is a government sponsored racket, as whenever government requires something the drops and prices go up, that's why governments do it. If it were a service people actually wanted it wouldn't be required," commented one expat living in Cuenca, Ecuador.

"I relocated to Ecuador April 2022. On May 2nd 2022 I woke up with slight left hand arm pain. As the day progresses I became nauseated and dizzy. On the 3rd of May I had a buddy take me to a local clinic. They were impressive and within an hour diagnosed me with onset of heart issue and suggested I see cardiologist. Being as I was here only 3 weeks in Ecuador I personally decided to return to Houston Texas immediately and flew back. On the 4th of May I was admitted to Memorial Herman Hospital Woodlands Texas. I received a Quintuple Bypass (CABG) Graft the following day. I recuperated 7 weeks and returned to Ecuador. I fly back to Houston every 6 months and see my Cardiologist for exams and stress test. I've talked to expats who've had good results from Cardiologist in Ecuador and one even had a double bypass surgery in private hospital and is quite happy. I personally carry no private insurance. I'm okay with their health personal they diagnosed my health issues very impressively. Would I go through major health surgery in Ecuador. No. Not unless it was life threatening. But that's just me. ," remarked one expat living in Ecuador.

"Do get IESS insurance. It will cover your coasts in the event of an accident or illness. As of July 2017, IESS will require payment on verified income, closing a loophole that allowed payment on claimed income. The obligated amount is 17.6% of the monthly verified income and 2.4% for each additional dependent. As an example, an expat on a limited pension of $800 a month would pay $140.80 A retired married couple living on their $1200 a month pay. $240. ," said one expat living in Montanita.