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Playa Jaco, Costa Rica: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Playa Jaco | Expat Exchange
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Jaco Beach, Costa Rica

Playa Jaco, Costa Rica

By Joshua Wood, LPC

Last updated on May 11, 2024

Summary: The approximate population of Playa Jaco, Costa Rica is around 10,000 people. People describe Playa Jaco as a vibrant beach town with a laid-back atmosphere. Expats love living in Playa Jaco for its close proximity to the beach, its vibrant nightlife, and its easy access to other parts of Costa Rica. The weather in Playa Jaco is typically warm and humid, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit. The average cost of living for an expat is around $1,500 to $2,000 per month. The cost of a one bedroom apartment is typically around $500 to $700 per month, while a two bedroom apartment can cost around $700 to $1,000 per month.

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What do I need to know about living in Playa Jaco?

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

"Before retiring in Playa Jaco, it is important to understand the local culture and regulations. You should research the area and familiarize yourself with the cost of living, healthcare options, taxation, living options, and other legal and lifestyle considerations. It is also important to investigate safety and security in Playa Jaco, as well as other factors such as the availability of transportation and entertainment. You should understand the local politics, the economy, and the rights and opportunities for expats. Additionally, you should consider any language barriers you may face. Generally, it is a good idea to have a basic level of local language proficiency in order to maximize the quality of life you could have in Playa Jaco," wrote a member in Playa Jaco.

"Be ready to live, love and relax. This is a beautiful country and we live in paradise," commented one expat who made the move to Playa Hermosa de Jaco.

"Relax, enjoy and slow down. Life at the beach is carefree, easy going and free of many stresses. Take in a sunset, have a fresh cup of local coffee and chat with a Costa Rican local and/or expat. Visit the feria (public farmers market) on Friday morning. Watch a local futbol match or take in many of the Artify Jaco murals and local art galleries. Enjoy the great restaurants which the area offers, visit the beaches and national parks within an hour of the area for day trips," remarked one expat living in Playa Hermosa de Jaco, Costa Rica.

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What do I need to know before moving to Playa Jaco?

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

"Before moving to Playa Jaco, there are few things to be aware of. Costa Rica is known for its picturesque beaches and dense jungles, so you should be prepared for the humidity. Also, the country is a popular tourist spot year-round, so accommodations can be expensive. Make sure you factor that into your budget when you plan your move. Additionally, Costa Rica is a tropical country and is vulnerable to natural disasters such as hurricanes, flooding, and earthquakes. Make sure your area is well prepared with an emergency plan and supplies. Lastly, while fluency in Spanish is not required, it is helpful to know some basics before you move. Locals will appreciate your attempt to speak their language," remarked one expat living in Playa Jaco, Costa Rica.

"Spend time in the area and get to know it's full time residents. Participate in community activities, fundraisers, church activities if you are inclined. Eat at the local restaurants, shop locally, go to the local farmers market. Visit your prospective neighborhood at various times of the day especially at night to see if crime is a problem or noise issues. A community feels very different when you spend time with its full time residents and not tourists. You can truly gauge the area determining if it's a good fit for you, your family and your lifestyle. Get an honest lawyer to determine if the house you are interested in has a clean title (and the same for raw land). Get references for doctors and medical facilities in the area. In a nutshell, tourist activities are fun but it's far from reality of every day life. Think about what your day entails in your home country and perform the same activities in your prospective desired area," wrote one member in Playa Hermosa de Jaco.

How do I find a place to live in Playa Jaco?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Our first home in Costa Rica (CR) was strictly by word of mouth. We had lived in the area for a few months and told just as many people we trusted that we were looking. In just a few months time, we looked at many properties. We got to know the area very well by renting so we knew the neighborhoods we liked and knew what a good price was to pay. We were in no hurry as we were renting at the time so we didn't appea anxious or desperate to the seller. The purchasing process was a breeze. After 8 years in that same location and home, we decided we wanted a quieter area and we finally were able to realize our original dream of having a water view property. 17 years total in CR ... it's working for us," commented one expat who made the move to Playa Hermosa de Jaco.

"There are many accommodation options available in Playa Jaco. Whether you're looking for a resort, villa, or vacation rental, you can explore options from websites such as Vrbo, Expedia, and Airbnb. Additionally, websites such as Booking.com, Hotels.com, and TripAdvisor provide up-to-date listings of hotels, hostels, and guest houses in the area. Additionally, there are a variety of property and real estate management companies throughout Playa Jaco that will help you find the perfect place to stay," remarked one expat living in Playa Jaco, Costa Rica.

What is a typical expat home or apartment like in Playa Jaco?

"A typical expat home or apartment in Playa Jaco will often feature modern, luxurious amenities such as stainless steel appliances, granite countertops, and high-end furniture. There are plenty of new and updated homes and condos available, often with a private pool and terrace. Most buildings or developments also offer a secure environment with 24-hour security, plenty of parking, and on-site amenities such as a gym, pool, and other recreation areas. Many of the homes and apartments also have lawns or gardens to create a pleasant outdoor living environment. Many of the apartments and condos come fully furnished, so it's easy for expats to move in and simply unpack their bags," explained one expat living in Playa Jaco, Costa Rica.

"We live in single family home in a remote and mountainous area. The other homes in the neighborhood are the same. However, the beach closest to us is primarily condos due to the proximity to the water. Being a popular beach town, the condos are privately owned and very popular seasonal rentals," said one expat in Playa Hermosa de Jaco.

What is the average cost of housing in Playa Jaco?

If you are thinking about moving to Playa Jaco, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Playa Jaco varies depending on the type and location of the property. Generally speaking, accommodation in Playa Jaco can range from budget-friendly hostels and apartments to luxury villas, condos and beachfront homes," commented one expat who made the move to Playa Jaco.

"Our housing costs are lower than in the states. Taxes are very inexpensive in CR and the taxes in the states substantially higher. Private home insurance is less expensive in Costa Rica from our experience. It is very hard to determine the average cost of housing. In this area, the closer the location to the beach, the higher the price. Direct waterfront may cost well over $500,000 to the millions depending on amenities. However in a lower profile condo building with less amenities, you can absolutely find something at half that price. Knowing the market is really key here and return on investment must be weighed in if you plan to rent the unit, seasonally or long term," remarked one expat living in Playa Hermosa de Jaco, Costa Rica.

How do I meet people in Playa Jaco?

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

"One of the best ways to meet people in Playa Jaco is to get involved in the activities and social events offered at the local resorts and restaurants. Another way to meet people is to join the local clubs and sports teams. Participating in a class or workshop is also a great way to meet new people. Additionally, events in the community, such as street fairs, festivals, and live music, are great opportunities to socialize and make connections. A final way to meet people in Playa Jaco is to join an expat group or a travel group, as these offer social support and friendship to people from all around the world," said one expat in Playa Jaco.

"The Jaco area has several ladies groups, brunch groups for expats and locals alike. Family surf day in Jaco, painting classes, surf competitions, or relaxing at the beach for sunset all draws expats anxious to meet up with others and speak with locals on a social level," said one expat who made the move to Playa Hermosa de Jaco.

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What should I bring when moving to Playa Jaco?

People living in Playa Jaco were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"Essential items to pack when moving to Playa Jaco include casual clothing, comfortable shoes, swimsuit, sunglasses, sunscreen, hat, beach towels, lightweight blanket, bed linens, kitchen items, cleaning supplies, mobile phone and charger, toiletries, medications, important documents, flashlights, battery-operated alarm clock, and any personal items you may need," wrote a member in Playa Jaco.

"The items I wish I had brought to Costa Rica - or maybe I should say as an expat living in Costa Rica I wish I had brought more of - are bed linens, pillows and bedcovering (lightweight as it's warm at the beaches), another set of kitchen pots/pans, a quality sound system for the outside, exercise clothes and quality footwear for hiking. Items that I wish I had left at home: We moved to Costa Rica 17 years ago and did not use a container service. We basically packed our goods up in plastic containers for the airline and moved in that manner. Items that I wish I'd left at home are not many to mention. I probably bought too many clothes. (Being a woman, that's what we do!) I have clothing for colder climates but have never used them being at the beach. By using the airlines (and the help of friends too!) as a means of transportation, everything was scrutinized prior to packing as far as if we really "needed" it in Costa Rica (CR) so I'm proud to say we didn't bring much that we are now regretting," commented one expat who made the move to Playa Hermosa de Jaco.

Where should I setup a bank account in Playa Jaco?

We asked expats in Playa Jaco what banks they use and there advice about banking. They advised:

"You can setup a bank account at the BAC San José branch located in downtown Jaco, which is close to the main beach. Other nearby banks include Banco Nacional, Davivienda, and Banco Popular. Each bank has its own set of advantages, fees, and services, so consider the options carefully before making a decision," said one expat who made the move to Playa Jaco.

Will I be able to find a job in Playa Jaco?

When we asked people about industries and career opportunities in Playa Jaco, they reponded:

"This is a retirement place. The Costa Ricans and ex pats who want to work do Tourism and fishing primarily. Real Estate is a big business here," said one expat who made the move to Playa Hermosa de Jaco.

"Yes, Playa Jaco has a variety of job opportunities. The area is a rapidly growing tourist destination and many businesses are looking for qualified staff. You can find jobs in local businesses, hotels, restaurants and many other industries. You can also find jobs in construction, teaching, health care, transportation and more," explained one expat living in Playa Jaco, Costa Rica.

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What is life like in Playa Jaco?

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

"Tourism in the area is very high so work takes a strong priority to keep everyone happy and returning to the area. However, family is a very strong factor. Many Costa Ricans from the Central Valley visit on weekends and holidays. It is not uncommon to see families and friends relaxing at the beach with a picnic and hammock, enjoying the breeze and socializing. Surfing is a major sport in the area so surf lessons are high on the list for a fun activity. Hiking Miro Mountain is a popular activity which includes wildlife spotting, camera opportunities, and general fitness," remarked one expat who made the move to Playa Hermosa de Jaco.

"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 expat living in Playa Hermosa de Jaco, Costa Rica.

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What do expats in Playa Jaco appreciate most about the local culture?

"There are many things I appreciate about my new culture in Costa Rica! Family ties, friendships and a slower pace of life is key here. Costa Rica is not a consumer-based society. There is less pressure on acquiring objects of status, impressing others and "keeping up with the Jones's!" How refreshing! Community life of home, family and close friendships emphasize what truly is important in life! I believe it is important to remember such a simple aspect of life in Costa Rica. You will be admired for your goodness, kindness and willingness to learn and adapt. Monetary riches and displays of wealth and superiority have little value in a culture based on family and country," wrote one member in Playa Jaco .

"Expats in Playa Jaco appreciate the laid-back atmosphere and friendly locals. They also enjoy the abundance of outdoor activities, such as surfing, snorkeling, and hiking, as well as its proximity to the ocean and beautiful beaches. The local cuisine is also appreciated, with its blend of traditional Costa Rican and international dishes. Additionally, the local arts and music scenes attract many expats and offer a vibrant, growing culture of creativity," remarked one expat who made the move to Playa Jaco.

What do expats find most challenging?

"The most challenging aspects in Costa Rica is learning to leave the mentality of "how things are done" back home. Costa Ricans are proud of their independence! You may have an idea on how to get things done or how it should be done. Leave that thinking behind. You may make a casual commment or suggestion and this is encouraged. However, it is important not to humiliate or act superior. Costa Ricans want to keep their culture alive and wherein there are interested in other cultures, they are very proud and independent of their own. It is important to adapt and not try to control or change your new homeland. Remember as an expat you are still a guest," remarked one expat living in Playa Jaco , Costa Rica.

"Adjusting to a new culture, making friends, language barriers, learning the local customs, understanding the currency and new forms of payment, renting or buying a home, finding employment opportunities, navigating the healthcare system, and handling bureaucracy can all be challenging for expats," wrote one member in Playa Jaco.

Is there a lot of crime in Playa Jaco?

We asked people if there is a lot of crime. They answered:

"No, there is not a lot of crime in Playa Jaco. Jaco is considered to be a fairly safe beach town, with low rates of crime compared to other cities in Costa Rica. Tourists often feel quite safe in Jaco, even walking alone at night. If visitors are careful and use common sense, they should have a worry-free visit to Playa Jaco," said one expat who made the move to Playa Jaco.

"Petty crime is a problem at the beach areas of Costa Rica. If you leave your possessions unattended at a restaurant, beach, inside your vehicle, this is an opportunity for theft. Be aware of your surroundings and keep your possessions close. Do not leave items unattended in your vehicle such as luggage, purses, computers or cell phones. Do not flaunt large amounts of money or wear expensive jewelry. Common sense is key and many have no problem with crime by following simple rules and taking precautions," explained one expat living in Playa Hermosa de Jaco, Costa Rica.

Is there a lot of diversity? Are people in Playa Jaco accepting of differences?

"Yes it is a very diverse town. You will find restaurants owned by locals feature traditional CR dishes, European bakeries, authentic Italian restaurants, Moroccan, Thai and gourmet restaurants. This mix of restaurants is what makes the area exciting and appealing to all walks of life. The area has a high level of acceptance due to the diversity it enjoys," wrote one member in Playa Hermosa de Jaco.

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What are the schools in Playa Jaco like?

"Playa Jaco has several primary, secondary, and tertiary schools offering programs for students of all ages. The public schools in the area boast rigorous academics, with many offering International Baccalaureate (IB) programmes, as well as extracurricular activities and clubs. Private schools in Playa Jaco are known for their smaller class sizes and innovative teaching approaches, while bilingual schools provide the opportunity to learn Spanish and English simultaneously. There are also several higher education institutions, including the UTC International University, offering programs in fields such as business, engineering, and hospitality," said one parent with children at in Playa Jaco.

What are the pros and cons of living in Playa Jaco?

Expats, digital nomads and retirees living in Playa Jaco responded:

"Expats and digital nomads living in Playa Jaco enjoy the laid-back atmosphere, the stunning beaches, and the abundance of outdoor activities. They also appreciate the low cost of living and the friendly locals. On the other hand, some expats and digital nomads may find the lack of infrastructure and public transportation inconvenient, as well as the occasional power outages," said an expat in Playa Jaco.

"love the climate, people are helpful and friendly - beach sand is too hot in the summer sun," remarked one expat in Playa Jaco.

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What type of social life can someone expect in Playa Jaco?

When we asked expats and global nomads about their social experiences in Playa Jaco, they replied:

"Expats, retirees and digital nomads living in Playa Jaco typically have an active social life. There are plenty of opportunities to meet new people and make friends, whether it be through joining a local sports team, attending a yoga class, or simply enjoying a beer at one of the many beachfront bars. The expat community is also very welcoming and there are plenty of events and activities to get involved in. Additionally, the local Costa Rican culture is very friendly and welcoming, making it easy to make friends and build relationships," mentioned one expat inPlaya Jaco.

"The areas of Playa Jaco and Playa Hermosa are very expat friendly. The entire area is very relaxed with a comfortable beach vibe. People frequently meet at the beach for relaxation, exercise, hiking, and watersports especially surfing which the area is well-known. There are expat groups to join as well as many open-air restaurants to meet others. As the entire area has a very laid back vibe, people are more willing to start up conversations with others. The local Costa Ricans and expat community has a good connection to each other even with cultural differences," commented one expat who moved to Playa Jaco, Costa Rica.

"Playa Jaco and Playa Hermosa are an excellent fit for many expats with the availability of resources such as groceries, medical care, public transportation and expat involvement activities. Community church groups offer assistance to other members of the community in times of need. There are plentiful activities to keep anyone occupied with watersports, painting classes, golfing, fishing, hiking and birding groups. Only 90 minutes from a major airport, expats will find a fulfilling lifestyle without the hustle and bustle of city life, traffic and crowds," said one expat living in Playa Jaco.

"Playa Jaco is a popular destination for tourists and locals alike. The social scene in Playa Jaco is vibrant and lively, with plenty of bars, restaurants, and clubs to choose from. During the day, visitors can enjoy the beach, go surfing, or explore the nearby rainforest. At night, the town comes alive with music, dancing, and plenty of opportunities to socialize. There are also plenty of activities to do during the day, such as horseback riding, zip-lining, and ATV tours. Whether you're looking for a relaxing beach vacation or an exciting nightlife, Playa Jaco has something for everyone," mentioned one expat inPlaya Jaco.

What advice to expats in Playa Jaco have about housing?

"Expats in Playa Jaco recommend researching the area thoroughly before committing to a rental or purchase. It is important to consider the location, safety, and amenities of the property. Additionally, it is important to be aware of the local laws and regulations regarding rental and purchase agreements. It is also recommended to work with a reputable real estate agent who is familiar with the area and can provide helpful advice. Finally, it is important to budget for additional costs such as utilities, taxes, and insurance," commented one expat who moved to Playa Jaco.

"Playa Jaco and Playa Hermosa are a tourist destination for expats and locals from the Central Valley alike. Housing can be expensive as it may be a property that is rented by the week vs. monthly or yearly. Therefore, in some situations it is better to own property vs. paying high rent prices," said one expat.

What are medical services in Playa Jaco like?

When we asked expats and global nomads about the quality of medical care in Playa Jaco, they replied:

"Playa Jaco offers a wide range of medical services for both locals and visitors. The town has several private clinics and hospitals that provide quality medical care, including general practice, emergency services, and specialized care. Additionally, there are several pharmacies in the area that offer prescription medications and over-the-counter remedies. For more serious medical issues, Playa Jaco is close to larger cities with more advanced medical facilities," mentioned one expat inPlaya Jaco.

"In addition to general practice physicians, dentistry services and physical well being facilities, the area offers specialized care physicians who attend to the area residents. Local general care physicians offer the use of their offices for this specialized service such as women's health care, cardiology, dermatology, advanced dentistry and internal medicine," commented one expat who moved to Playa Jaco, Costa Rica.

Are healthcare and health insurance expensive in Playa Jaco?

"Healthcare and health insurance in Playa Jaco can be expensive, depending on the type of coverage and services needed. Private health insurance is available, but it can be costly and may not cover all medical expenses. Public healthcare is also available, but it is limited and may not cover all medical needs. In general, healthcare and health insurance in Playa Jaco, Costa Rica can be expensive, but there are options available to help cover medical costs," commented one expat who moved to Playa Jaco.

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Is the cost of living in Playa Jaco high?

We asked people about the cost of living in Playa Jaco, they wrote:

"Many beach locations in Costa Rica are expensive. However, Playa Jaco has a strong mix of locals and tourists which helps to keep the cost of living lower. You will find many types of housing here from single family, condominium complexes and beachfront homes in a multitude of price ranges to fit all budgets. The community has a local farmers market (feria) which is always a good deal to purchase locally from regional farmers. The price of fresh fish is an incredible value. Costa Rica is one of the more expensive countries in Central America but shopping locally in Playa Jaco can provide good savings. Due to it's proximity to the beach (and the Equator), one of your largest expenses will be electricity. The beaches are very hot all year around. Typically property taxes are low in all of Costa Rica and Playa Jaco is no different," said one expat living in Playa Jaco.

What are the visa & residency requirements in Playa Jaco?

"Upon entrance, tourists and visitors are generally granted a 90 day VISA. To enter Costa Rica, you must have a valid Passport. Residency is categorized into different areas of qualification. These options are Retiree (Pensionado), Legal Resident (Rentista), Business/Investor (Inversionista), Marriage/Relation (Vinculo). If you wish to become a resident, the requirements are different for each category and immigration attorney's are often used to assist you should you choose to hire one. If you plan to live in Costa Rica full time, residency is highly recommended as residents are not restricted to a 90 day VISA," remarked one expat living in Playa Jaco.

Why do people move to Playa Jaco?

When we asked people why foreigners move to Playa Jaco, they responded:

"Foreigners move to Playa Jaco for the beaches, fabulous sunsets, close proximity to an international airport (SJO is 90 minutes by car) and convenient shopping. Additionally, the community has a relaxed vibe, full of great restaurants, plentiful beach access, recreational activities and other expats to socialize," commented one expat living in Playa Jaco, Costa Rica.

"Playa Jaco is a popular destination for expats due to its stunning beaches, vibrant nightlife, and abundance of outdoor activities. The area is known for its warm climate, friendly locals, and low cost of living. Additionally, the area is home to a variety of international restaurants, shops, and services, making it easy for expats to feel at home. With its close proximity to the capital city of San Jose, Playa Jaco is an ideal location for those looking to experience the best of Costa Rica," remarked one expat living in Playa Jaco.

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.

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