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Retiring in Mexico | Expat Exchange
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The Lakefront Promenade in Lake Chapala, Mexico

Retire in Mexico

By Joshua Wood, LPC

Last updated on Feb 09, 2024

Summary: Retirees are often attracted to Mexico for its vibrant culture, stunning beaches, and affordable cost of living. Mexico also offers a wide variety of activities and attractions, from ancient ruins to modern cities. The weather in Mexico varies depending on the region, but generally speaking, temperatures range from the mid-60s to the mid-90s Fahrenheit (18-35 Celsius).

Welcome Home Mexico
Welcome Home Mexico
Welcome Home Mexico
Welcome Home Mexico

What is it like to retire in Mexico?

"We live in Cozumel but travel to Merida often. Beautiful city with many benefits, Great Restaurants, Night Life and hot as hades in the summer," said one retiree in living in Merida, Mexico.

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What advice do overseas retirees have for others considering retiring abroad?

"My wife says that I have all the patience in the world.... because I have never used any... That might be a bit extreme but having lived overseas for 20 some years I have learned to adapt... Here are the things that I have found important to surviving and enjoying a new country: Flexibility is a requirement for successfully living abroad. Do your schedule in pencil not pen. Lose your comparisons with your former home. It is what it is... Learn the local ground rules and play the game. Have or obtain a sense of humor... Without it one will not last long in any environment and certainly not outside his native land. Have or obtain a sense of adventure. This is an opportunity to meet new people, experience new things and to learn a new culture. Learn basic local language niceties and build your vocabulary... A simple Gracias coupled with a warm smile will work wonders..," commented one retiree living in Ajijic, Mexico.

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What are the most challenging aspects of retiring in Mexico?

"One of the most challenging aspects of retiring in Mexico is adapting to the culture. The language, customs and laws are all different than in the United States, and some may take some time to get accustomed to. Another challenge is health care. While Mexico has improved its health care system in recent years, medical resources and healthcare providers may not be up to the same standards found in the United States. Additionally, affording the same lifestyle overseas can be difficult, as Mexico has a lower cost of living than the US. Finally, the lack of reliable internet infrastructure in some areas can make keeping up with family and friends abroad difficult," said one retiree in Mexico.

"So far everything has moved right along except at a slower pace... We used the services of a recommended local attorney and we have a property manager. Between the two we have taken care of buying a home, car and paying the bills... If we had to do this alone it would take more time and probably peg the frustration meter...We will eventually take over the bill paying etc but for now this has proven to be a worth while expenditure," commented one retiree living in Ajijic, Mexico.

"The US and Canadian news reports scaring everyone about coming down to paradise," explained one retiree living in Manzanillo.

"Getting mail! The mail system in Mexico is not great, or secure, so I need to rely on friends coming from the States to bring mail and packages. Receiving mail in other countries where I've lived has also posed a challenge in that forwarding mail is often quite expensive," said one retiree in living in Lake Chapala, Mexico.

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Welcome Home Mexico

Welcome Home Mexico occupies a niche in the market as a successful relocation and real estate firm helping expats moving to Mexico! As seen on CBS news, PBS, in the L.A. Times and more, we are one of the leading companies in this field. Welcome Home Mexico offers a wide range of services, multi-lingual knowledgeable brokers with experience, efficient and professional service.

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Welcome Home Mexico

Welcome Home Mexico occupies a niche in the market as a successful relocation and real estate firm helping expats moving to Mexico! As seen on CBS news, PBS, in the L.A. Times and more, we are one of the leading companies in this field. Welcome Home Mexico offers a wide range of services, multi-lingual knowledgeable brokers with experience, efficient and professional service.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

What are the most rewarding aspects of retiring in Mexico?

"Every day is an adventure... Shopping is fun as we try new products each week... Some are not as good but many are as good or better than NOB (North of the Border). The cost of living allows us to eat out more and the dining selection here is excellent.," said a person in Ajijic.

"One of the most rewarding aspects of retiring in Mexico is the opportunity to experience a different culture and share in the hospitality and warmth of the Mexican people. Living in Mexico can provide retirees with a more relaxed lifestyle and lower cost of living, allowing them to enjoy their retirement years to the fullest. Additionally, retirees can enjoy a variety of activities such as exploring historic ruins, relaxing on the beach, and partaking in the rich culinary scene. Furthermore, there is an abundance of stunning natural beauty throughout Mexico and breathtaking views from virtually anywhere," remarked one retiree in Mexico.

"We came from the US about 4 yrs ago, have always been adventurous and have lived in several states mostly in the west. For us it had nothing whatsoever to do with the political environment or the economics. We had saved and prepared well f or retirement, more lucky than smart. We knew the culture and people would be wonderful and the climate is so much better than in beautiful Seattle. Our kids are scattered throughout the US and we travel back every few months and they come here. Just what we hoped for. The city of Merida is fabulous. We live by choice in a neighborhood where no one speaks English so we try (somewhat successfully) to communicate in Spanish and to fit in. People are accepting and kind. Driving is an adrenaline rush every day. All in all, it has been 99% of what we had hoped and plan to stay for as long as our health is good. We have used healthcare here numerous times and have found it to be of highest level and advanced," said a retiree who moved to Mexico.

"I love having a more international perspective on the US. I appreciate the different cultures I live in and I like the challenge of adapting to different customs. And I really love the expats I meet overseas. They are often quite adventurous people," said one retiree in Lake Chapala.

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What are healthcare services like in Mexico?

We asked retirees if they have access to good medical care in Mexico. They wrote:

"A few weeks ago I used my GEHA (government employees health association) insurance at Hospital San Antonio. Well I should say I tried to use it. At first the staff at Hospital San Antonio said that my entire emergency would be covered but they charged my $25000 USD UP Front and I had to pay it or the administrative staff there told me they would send me to a public hospital in the worst part of Guadalajara. They bullied me and I felt so uncomfortable but I was not in a position to fight. I paid the up front fee and then on discharge they just deducted it from the bill which I still had to pay and they gave me a bill with codes to submit to my insurer for reimbursement...such lies and thieves trying to trick people about accepting insurances. I will never go back to Hospital San Antonio in Tlyacapan," said a retiree who moved to Lake Chapala, Mexico.

"Yes, I get 100% medical services such as Doctors, Hospitals, Operations & Medicines for free through the ISSTE system. My Wife was an English teacher at a Federal School so I was able to enter the system as her spouse," said one retiree in Apizaco.

"The healthcare system in Mexico is largely divided into private and public services. Public healthcare is largely provided by the federal health system and is available to anyone who meets the country's numeric residency requirements. Private healthcare is often seen as the more reliable option, which generally requires health insurance or out-of-pocket payments. In general, healthcare in Mexico is quite advanced, with sophisticated medical technologies and well-trained medical professionals available in both public and private facilities. Mexico has made progress in recent years in prioritising the health and well-being of its citizens, with a significant emphasis on preventive care and public health initiatives, such as the introduction of new health insurance options," commented one retiree living in Mexico.

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How do I meet people in Mexico?

When we asked people living in Mexico about club and activities where newcomers can meet others, they responded:

"Meeting people in this relatively is not a problem; there are no clubs to join as far as I know. Simply not necessary," said a person in Tequisquiapan.

"Expats in Mexico often join social clubs, language classes, and online forums devoted to helping foreigners adjust to life in Mexico. Additionally, many expats will connect with local expat organizations such as the International Newcomers Network, which coordinates events and activities for expats around the country. Another way for expats to meet people is by becoming involved in social volunteer work, such as helping out at a local soup kitchen or animal shelter. Many cities, particularly touristy destinations, also have local arts and music scenes that expats can become involved in. Finally, Mexico is known for its vibrant nightlife, so expats can often make friends while out at bars, clubs, and cultural events," remarked one retiree in Mexico.

"Basically the same way you meet people everywhere. Volunteering somewhere is a great way as is taking an in-person class, a church, and, of course, expat groups," said a retiree who moved to Mexico.

"It depends on who you want to meet. There is an English library inside the restaurant, Lupita's, a few steps from the Bascilica on Arciga Street. A volunteer group has their meetings there. English is spoken. They would welcome volunteers. If you want to meet Indigenous Purepecha, Mulle (dock) San Pedrito is run by them and it is a beautiful park next to the lake. Also they sell their art on the street and in the mercado in Centro ( open every day-even Christmas.) They also sell fruits and vegetables, clothes, shoes, socks, anything you need. To become friends with local people, it is necessary to speak Spanish and they are friendly. There are usually English speakers sitting outdoors at a cafe on Plaza Grande. One can take Spanish lessons as well," said one retiree in Patzcuaro.

"Go to a restaurant and talk to the people at the table beside you - talk to a anyone. It is natural and almost expected here in PV. Something I would never do in my original home of Vancouver," commented one retiree living in Puerto Vallarta, Mexico.

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What is life like in Mexico?

When we asked people living in Mexico what life is like and how people spend their time, they said:

"Tequis is a small, colonial town that caters to weekend tourists, mostly from Mexico City and surrounding environs. Many of them own weekend homes here and come to get away from the hub-bub of big city life. Local denizens are very family oriented and making a living is just a normal part of everyday life. No big corporate presence here, just small businesses and many restaurants. Tons of small specialty shops," said one retiree in living in Tequisquiapan, Mexico.

"Renovating old colonial homes, enjoying the beach, learning about the Mayan culture," explained a retiree in Yucatan.

"Expats and digital nomads living in Mexico often find that life there is full of opportunities for relaxation, adventure, and cultural exploration. Mexico's mild climate, friendly locals and vibrant cities make it a desirable place for many expats and digital nomads looking to settle down in a new country. The country also offers a variety of activities and locations for expats, ranging from its stunning beaches, old-world colonial cities, and incredible nature preserves. Expats and digital nomads in Mexico enjoy a low cost of living, and they are able to find affordable housing, transportation, and food. Although learning the local language can be challenging due to the lack of English-speaking facilities and programs, the country is known for its welcoming culture and its legal system that aids expats in obtaining visas and permanency. Overall, Mexico is an ideal destination for expats and digital nomads, who can enjoy the warm weather, low cost of living, and vibrant culture while continuing their work abroad," explained one retiree living in Mexico.

"People tend to work long hours during the week, not much on the weekends which is generally reserved for families. If you have kids you will be invited to tons of birthday parties, parents are expected to attend, not just drop the kids off. The parties are quite extravagant compared to the US," said one member in Mexico City.

"People here love kayaking, fishing, scuba and off-roading. There is a large, modern marina. There are rocky beaches, sandy beaches, public and isolated. There are also many restaurants with excellent food - Italian, Mexican, American, Greek, and even Texas Style BBQ," remarked one retiree in San Carlos.

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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

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What do I need to know before retiring in Mexico?

When we asked people what advice they would give someone preparing to move to Mexico, they said:

"Living costs are about 2/3 of those in the states. This is a relatively new area. 60 years ago there was nothing here but a fishing village. Not as cheap as in other parts of Mexico, but still a savings. Bring a good sturdy vehicle. The weather and the waters are sublime (although hot and humid in the summer months). Very low crime area, but petty theft is here as it is everywhere. You feel welcome wherever you go. Relax. Sometimes you have water and electricity...sometimes you don't. Bring butter," commented one retiree living in San Carlos, Mexico.

"There are many people from the USA, Canada and Europe have visited Mexico, love it and have considered relocation. Many visitors also spend their Mexico trip to the top resort areas at the best time of year to be there. This being the winter months. The down season is usually from May through October and the top resort areas are ghost towns. Reason for this is the abysmal heat and humidity. I once spent a month in Mazatlan in August. Mazatlan is just the start of the tropics and the heat and high humidity were abysmal and almost impossible to tolerate. Even walking a short distance can be very unpleasant as are the temperatures that can top 120 degree with 98% humidity. The only tolerable place to be are inside with the air conditioning on high. I love and visit the tropical areas yet only in the winter. I live in the South area of Rosarito Beach, Baja California. Year round climate is beautiful. Never too hot or cold. Winters are very mild and similar to San Diego, Ca. I have friends in Rosarito that spend their summers here and winters in the tropics. Living in the tropics is most certainly not the ideal area for most people. Even the locals hate the low seasons. I have not seen this topic get a lot of attention here yet what I have said is absolutely true," explained one retiree living in Mexico.

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What type of recreational activities are there in Mexico?

"All around Playa del Carmen there are adventure area for zip lining, ATV riding, cave tubing, snorkeling, scuba diving, tours to visit Mayan Ruins and nearby resorts, beaches and islands such as Cozumel, Tulum, Islas Mujeres etc," explained one retiree living in Playa del Carmen.

"Anything related to the beach, snorkeling, golf, exploring cenotes (caves), dining out. The food is amazing and the options are endless," said one retiree in living in Playa Del Carmen, Mexico.

"Boating, swimming, fishing, snorkeling, scuba, para sailing, sunset cruises, booze cruises, bird island tours, Jack Nicklaus golf courses and others, tennis, ultralight flying, ziplining, and lots of fine dining with ocean views," wrote one person in Puerto Penasco.

"There is a large sport club here for tennis and golf. Every Sunday the streets are closed for bikeathons for the entire family to participate in. And any time you want to hike, go visit a ruin. Most of the cenotes allow swimming and are wonderfully cool and magical," explained one retiree living in Merida.

"In Mexico, residents enjoy a variety of recreational facilities, such as beaches, parks, and sports complexes. Beaches are popular for swimming, sunbathing, and other water activities. Parks provide a great place to relax, take a walk, or have a picnic. Sports complexes offer a variety of activities, such as tennis, basketball, and soccer. Mexico also has a number of cultural attractions, such as museums, galleries, and theaters. For those looking for a more adventurous experience, Mexico has a variety of outdoor activities, such as hiking, camping, and mountain biking," said one member in Mexico.

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Where will I buy groceries and do other shopping in Mexico?

"SHOPPING is great. Many do their grocery shopping at Wal-Mart, Sams Club, Chedraui (the Mexican version of Wal-Mart that is fantastic) the Mega store and others. Fifth Avenue is known for its lively, atmosphere with stores, restaurants with all types of specialty foods such as Mexican, Argentinian, Brazilian, French, Italian, Seafood, Steak and even fast food places like McDonald's and Burger King, Domino's Pizza, KFC. We have Office Depot, Home Depot, DHL, Fedex...just about everything," said one retiree in living in Playa del Carmen, Mexico.

"There is everything in Merida from local street vendors, market stalls, to Super Duper big box markets. There is a Walmart that is a step above what you find in the States, Sears, and a few super duper markets that sell everything from household goods to groceries, all in one place. Several malls have recently opened, so you can shop from high end to low end, and Centro has many streets of unusual and unique shops. You will need to guard your money as these unique shops have lovely hand made items," wrote one person in Merida.

"We have so many large grocery stores in Playa, that I wonder sometimes how they stay in business. We have two Walmarts. Local produce markets are not easy to find. There is one very small one in town once a week," explained one retiree living in Playa Del Carmen.

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About the Author

Joshua Wood 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.

The Lakefront Promenade in Lake Chapala, Mexico
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Welcome Home Mexico
Welcome Home Mexico

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