Retire in Costa Rica
Last updated on Jan 01, 2024
Summary: Retirees are attracted to Costa Rica for its beautiful beaches, lush rainforests, and vibrant culture. The country also offers a low cost of living and excellent healthcare. The weather in Costa Rica is generally warm and humid, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit.
What is it like to retire in Costa Rica?
"The weather is truly perfect in Escazu, great amazing restaurants with so many choices, live music at Jazz Cafe, 2 great movie theatres showing films in English, lots of expats & English speaking Tico's, great public golf course close by in Santa Ana & perhaps best of all a great little casino close by," said a retiree who moved to Costa Rica.
"I am retired and live across the estuary from Tamarindo. While I find Tamarindo too touristy for full-time living, I prefer the quieter beach communities nearby, such as Playa Grande, Playa Brasalito, and Playa Avellanas. I have settled in Playa Grande, enjoying its tranquility and natural beauty. Although I visit Tamarindo almost weekly to take advantage of its amenities and activities, I love returning to the peacefulness of my smaller, quieter community away from the hustle and bustle," said one retiree in Tamarindo.
"Retirement in Costa Rica and its surroundings is often seen as an ideal choice for many considering relocating from North America. There is a well-established expat community and excellent infrastructure to accommodate retirees. There are many cultural attractions, including colonial-Spanish architecture, a vibrant art scene, and historic sites peppered across the country. For recreation, outdoor activities such as hiking, fishing, rafting and bird-watching are abundant; and nightlife can be found in major cities such as San Jose. Retirees also enjoy access to great healthcare, an affordable cost of living, and warm and friendly people. In other words, Costa Rica is a great country for retirees looking to live an active and fulfilling life," commented one retiree living in Costa Rica.
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What advice do overseas retirees have for others considering retiring abroad?
"Make sure you have a plan. Research everything. Don't come with vices like drugs, heavy drinking. And make sure you keep busy. Hobbies, events, etc. I don't sit around," said one retiree in living in San Jose, Costa Rica.
What are the most challenging aspects of retiring in Costa Rica?
"Finding a place to live. Since Costa Rica does not have addresses, it was difficult finding my way around at first and trying to find an apartment based on an ad that said "200 metros detras del Pali."," said a retiree who moved to San Jose, Costa Rica.
"One of the most challenging aspects of retiring in Costa Rica is adapting to the lifestyle, culture, and language. Learning Spanish can be difficult, and there may be a period of acclimation and adjustment to the country's slower pace of life. The cost of living can also be relatively high compared to other Central American countries and wages may be lower, meaning that retirement savings may need to be managed carefully. Additionally, Costa Ricans are proud of their culture and customs and there may be a social expectation that expats adopt part of the culture in order to feel accepted," said one retiree in Costa Rica.
RelocateNow Costa Rica's clients who run through the RelocateNow Program get quick results in formulating and successfully executing our laid out plan for moving to Costa Rica! Expert consulting for future expats in Costa Rica who wish to fast track the process of their move by receiving the specialized information they need, trustworthy connections within the country, and high level 1:1 support through the entire process.
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RelocateNow Costa Rica's clients who run through the RelocateNow Program get quick results in formulating and successfully executing our laid out plan for moving to Costa Rica! Expert consulting for future expats in Costa Rica who wish to fast track the process of their move by receiving the specialized information they need, trustworthy connections within the country, and high level 1:1 support through the entire process.
Click connect to have our partner contact you via e-mail and/or phone.
What are the most rewarding aspects of retiring in Costa Rica?
"The best part is the Ticos as neighbors and friends. Also the weather where I live no need for air conditioning or heat. Living a more simple life which involves a simple lifestyle where I have favorite taxi drivers in lieu of owning a vehicle which can be frustrating and expensive. I also am not a drinker and rarely eat out much by choice. Am able to have all I need, give generously and have left over. Would never be able to do this in the US on my pension," commented one retiree living in Costa Rica.
"Making new friends in Costa Rica. Not expats so much, but Ticos. I also enjoy traveling around the country on the buses which are safe and comfortable. I have my own routine. I walk a lot, eat healthier food," explained one retiree living in San Jose.
"One of the most rewarding aspects of retiring in Costa Rica is being able to experience the country's year-round tropical climate. Whether you enjoy days spent lounging on a beach or taking in panoramic views of the rainforest, Costa Rica provides plenty of opportunities to appreciate its natural beauty. Additionally, the Costa Rican people are known for their welcoming attitudes, making it easy to become part of the community. With multiple international airports, modern medical facilities, and educational opportunities, Costa Rica is an ideal place to retire and continue to progress in life," said one retiree in living in Costa Rica.
What are healthcare services like in Costa Rica?
We asked retirees if they have access to good medical care in Costa Rica. They wrote:
"Costa Rica provides comprehensive and affordable healthcare services to its citizens and expatriates. The country has an extensive network of public and private healthcare facilities, including hospitals and clinics, offering a wide range of medical services. Costa Rica makes a special effort to ensure that free or low-cost services are available to those who cannot afford private healthcare. Doctors, nurses, and other healthcare providers in Costa Rica are highly trained and knowledgeable. The country also has modern medical equipment and facilities, as well as efficient emergency services. Costa Rica is one of the few countries in the world to offer universal healthcare coverage to all citizens, and its healthcare system continues to improve over time," explained a retiree in Costa Rica.
"My insurance provides coverage at Hospital Biblical, a private hospital with an excellent reputation. It is not close: two buses and a short walk. Or a 6,000 colon cab ride ($11.50). Minor things like colds, infections, etc I go to the pharmacy," explained one retiree living in San Jose.
How do I meet people in Costa Rica?
When we asked people living in Costa Rica about club and activities where newcomers can meet others, they responded:
"There are many Yahoo! list serves available that help expats get to know where others meet and socialize. Also, Costa Rica AM (www.costaricaam.com) is an English-language e-newspaper that provides a lot of good information," said one retiree in San Jose.
"Welcome to San Ramon! Yes, lots of organized and also informal gatherings for philanthropy and recreational activities. Start by googling Community Action Alliance and check out their recent archived newsletters. Also look for Gringo Central which provides info on Central Valley groups and other useful info. And, every Thursday an expat group meets for breakfast at a local restaurant near the downtown park, come and go as you please. The Community Action Alliance has details on where. Finally, a few kilometers west of downtown past Magallanes, there’s a growing expat neighborhood with a very nice recreational center used by many expats, called El Palme (I think it’s called that, anyway). Can be found via Google," commented one retiree living in San Ramon, Costa Rica.
"Escazu also has a large ex-pat English speaking population with many activities to meet others. For example, we watched the Academy Awards at the Invictus restaurant (great food) & lounge/bar just a short walk down our street Sunday night. As an aside they have all the NFL football games in the Fall," explained one retiree living in Costa Rica.
What is life like in Costa Rica?
When we asked people living in Costa Rica what life is like and how people spend their time, they said:
"MONTEZUMA, LIFE DOWNTOWN - After living in Montezuma officially for the last year I look upon it with a deeper understanding, similar to the way one stares at art with new eyes once enlightened by one or two art history classes. When i first moved here it was for six months during the high season so I was able to camp, then as i started to put my roots down i realized the camping lifestyle could only work for the dry season and i would have to move to level two; the house and all the trappings that come with that. Then the job; starting a business downtown and teaching/ studying music, slowly becoming part of the community. Thus bringing me back to seeing more now than i ever did my first month here as a tourist, innocence is lost but the luster still abounds; Montezuma changed my view and approach towards life and how I was leading it, somehow coming face to face with nature so wide, pure, and vivid revitalized me and for that I am forever indebted to this proud little coastal village. What can one say about living here? One of the first things you'll noticed is that this is a "town" in the truest sense, classically so, like the set for a play or Sesame Street or like it was back in the states 100 years ago. This is a positive tight-knit community, where it's easy to know everyone's name in one week, and yet very open and welcoming to new characters on the scene (enter me and my boyfriend, who believes he'll be mayor by the end of the year!) planning on sticking around and becoming part of something great. And then there's the dogs. A great bumper sticker idea: "Costa Rica where every house comes with two dogs" would be a as popular as beanie babies here...because it's true . They usually belong to the cabina owners but dogs here are free so they basically decide where they want to live and with who...[ for more articles on Montezuma please check out our website: paraisopublicidad.com or find us on twitter and facebook for daily updates!]," said one retiree in Montezuma.
"Life for expats and digital nomads in Costa Rica has a lot of appeal. There is a vibrant culture and a welcoming attitude towards newcomers, making for a supportive and engaging atmosphere. Nature spots are abundant, and the vibrant and diverse landscape provides many opportunities for outdoor recreational activities. Costa Rica's transportation infrastructure is relatively good for a Latin American country, making it easy to travel within and around the country. The cost of living is generally lower than in most first-world countries and there are a variety of international restaurants and grocery stores. A combination of low taxes and tax incentives makes Costa Rica an attractive place to live and work. The combination of warm weather and modern amenities make it a great place to call home for digital nomads and expats alike," commented one retiree living in Costa Rica.
"It is a beach town. Most people are retired from North America. The beach is beautiful. All people go to the beach for walking, socializing, etc," explained one retiree living in Playa Hermosa de Jaco.
"Family is everything as with all Latin American cultures. Ticos make very good friends and once you are introduced into their families you become part of it. They will go out of their way to help you in every way possible," said one retiree in living in San Jose, Costa Rica.
What do I need to know before retiring in Costa Rica?
When we asked people what advice they would give someone preparing to move to Costa Rica, they said:
"Have lived in Grecia for 7-1/2 yrs. It is a small city and in my opinion the best unless you insist on beach area which is too hot for me. No a/c necessary where I live. Easy to get to know people if you are friendly. I can't walk down the street without people I know honking or waving. I live happily without a car which means not using all my pension on repairs and high gas," explained a retiree in Costa Rica.
"Before retiring in Costa Rica, expats should make sure to research residency options, learn about the country's healthcare and education system, and familiarize themselves with Costa Rica's culture and customs. It is important to have a working knowledge of the Spanish language. Knowing the local laws and the best ways to finance and protect assets is also essential for a smooth transition into retirement. Expats should also investigate what kind of activities and attractions are available in the region where they plan to settle. It is also a good idea to look into visa restrictions, as some retirees may need to acquire special documentation to stay in the country. Additionally, expats should be aware of the cost of living in Costa Rica and how much they need to budget for their retirement," explained one retiree living in Costa Rica.
"Be ready to live, love and relax. This is a beautiful country and we live in paradise," said one member in Playa Hermosa de Jaco.
What type of recreational activities are there in Costa Rica?
"Costa Ballena Women's club, a poker club, an airsoft group, a few local bands and music groups, surfing, etc," said one retiree in living in Ojochal, Costa Rica.
"Recreational activities include surfing on all levels from beginning to highly advanced. Playa Jaco has no shortage of surf schools due to the outstanding conditions in the area. Hiking is common in the area. Miro Mountain is one of the most popular hiking activities as the trail wanders through jungles with a great opportunity for wildlife spotting. The Miro Trail climbs to an elevation of 1,100 feet with spectacular vistas of the Pacific. Miro Mountain Trail is also popular with mountain bike enthusiasts. The area has many mountainous trails so ATV is very popular to reach the higher elevation views and local restaurants. Yoga is popular in the area with many studios and profesional instructors. Art classes are popular in a new facility in Jaco. Golfing at a top course in Playa Herradura is just ten minutes north of Playa Jaco. Playa Herradura Los Suenos Marina boasts one of the best in the area for excellent sport fishing known world wide. Bird watching and nature loves enjoy the Carara National Park just 20 minutes north of Jaco and the Manuel Antonio National Park just one hour south of Playa Jaco," wrote one person in Playa Jaco.
Where will I buy groceries and do other shopping in Costa Rica?
"Most people shop in supermarkets similar to those the world over. Indeed, in addition to Walmart, Walmart owns two or three supermarket chains, although there are others. I have two supermarkets three blocks away and another one about six blocks away.. There are also chain office supply stores, PriceMart, chain convenience stores, McDonald's and all the rest, It's all pretty normal. Unique are the separate fruit and vegetable stores, farmers selling fruits and vegetables out of trucks on the side of the roads, and so on. Unfortunately also unique is the dearth of large department stores, even furniture stores. Specialty shopping, so to speak, can require going to a bunch of different stores and still not finding what you're looking for.," wrote one person in San Jose.
"We have a great supermarket in Ojochal, Jaucaloa. We also have a gourmet shop/liquor store (greenleaf), there's a farmers market weekly and a pretty large Mennonite community close by that sells locally produced dairy products and baked goods. There's also a local seafood purveyor as well as roadside fruit and vegetable stands," explained one retiree living in Ojochal.
"I recommend joining Price Mart which is owned by Costco. Walmart has stores and owns two big chain stores there - Max X Menos and Maxi Pali. Auto Mercado is an upscale market chain which is also very good. Amazon barely works here and its Import duties and shipping cost are OUTRAGEOUS. ," said one member in Santa Ana.
"People living in Costa Rica typically buy groceries and do other shopping at local supermarkets, convenience stores, and farmers markets. Many people also shop at larger chain stores such as Walmart and PriceSmart. Additionally, there are many small, independent stores and markets throughout the country that offer a variety of goods," explained one retiree in Costa Rica.
"Playa Jaco has two large "big box" stores Mas x Menos and Maxi Pali. These stores are affiliates of Wal=Mart Corporation. Jaco also has many carnicerias, pescaderias, panaderias, (butcher shop, fish shop, bread/pastry/cake shop) There is a feria (farmers market) in Playa Jaco on Friday morning. There is also an organic market on Wednesday at a local restaurant. A visitor or tourist will find everything needed in Playa Jaco! Other stores feature souvenirs, clothing, surfing supplies, art/crafts and larger appliances stores," explained a member in Playa Jaco.
About the Author
Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
Other Questions:
- What should I pack when moving to Costa Rica?
- Where should I setup a bank account in Costa Rica?
- Will I be able to find a job in Costa Rica?
- What is life like as an expat in your area?
- What do expats in Costa Rica appreciate most about the local culture?
- What do expats find most challenging?
- Is there a lot of crime in Costa Rica?
- Is there a lot of diversity? Are people in Costa Rica accepting of differences?
- What are the schools in Costa Rica like?
- How are healthcare services in Costa Rica?
- What are medical services in Costa Rica like?
- Are healthcare and health insurance expensive in Costa Rica?
- What are emergency services like in Costa Rica?
- Will I need to travel to see a specialist?
- Are common prescription medications available in Costa Rica?
- How are local medical facilities in Costa Rica?
- As a foreigner living in Costa Rica, will I have access to public healthcare? What is it like?
- What have your experiences during the pandemic with the local healthcare system been like?