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Montanita, Ecuador: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Montanita | Expat Exchange
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Montanita, Ecuador

Montanita, Ecuador

By Joshua Wood, LPC

Last updated on Jul 11, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Montanita, Ecuador: Cost of living, Finding a home, Meeting People and more.

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What do I need to know about living in Montanita?

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

"Expats considering retirement in Montañita, Ecuador should be aware that the cost of living is significantly lower than in many Western countries, making it an attractive option for those on a fixed income. The official language is Spanish, so learning the language or hiring a translator may be necessary. The local currency is the US dollar, which simplifies financial matters for American retirees. Montañita is known for its vibrant nightlife and surfing culture, which may not appeal to everyone. However, it also offers beautiful beaches and a warm, tropical climate year-round. The healthcare system in Ecuador is generally good, but it may be advisable to have a private health insurance plan for more serious medical issues. The food in Montañita is a mix of traditional Ecuadorian cuisine and international options, with fresh seafood being a local specialty. It's important to note that while Montañita is a popular tourist destination, it is a small town, so it may not offer the same amenities or entertainment options as a larger city. Ecuador has a relatively high crime rate, but most crimes are petty theft and pickpocketing. It's advisable to take standard precautions to protect your belongings. The process of obtaining residency in Ecuador can be complex and time-consuming, so it's recommended to hire a local attorney to assist with the process. Finally, while Ecuador does have property taxes, they are generally much lower than in the U.S. or Europe. However, it's important to consult with a local real estate expert or attorney to understand the full implications of buying property in Ecuador," said one expat in Montanita.

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What do I need to know before moving to Montanita?

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

"Montanita is a popular destination for expats, known for its vibrant nightlife, beautiful beaches, and surfing opportunities. Before moving there, it's important to know that the official language is Spanish, so learning the language or at least basic phrases would be beneficial. The cost of living is relatively low compared to many Western countries, but it's still crucial to have a clear understanding of your budget and financial situation. The local currency is the US dollar, which makes financial transactions easier for American expats. Healthcare in Montanita is not as advanced as in larger cities, so expats with serious health conditions may need to travel for certain treatments. It's also recommended to have comprehensive health insurance that covers medical evacuation. Montanita has a tropical climate, with a wet season and a dry season, so it's important to pack accordingly. The town is small and everything is within walking distance, so there's no need for a car. However, public transportation options are limited, so for travel outside of Montanita, it may be necessary to hire a taxi or private driver. The town is generally safe, but like any tourist destination, it's important to be aware of your surroundings and take precautions against petty crime. The visa rules in Ecuador can be complex, so it's recommended to consult with an immigration expert or lawyer before moving. Lastly, while Montanita is known for its party atmosphere, it also has a quieter side with yoga retreats and wellness centers, so there's something for everyone," said one expat in Montanita.

How do I find a place to live in Montanita?

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

"Finding a place to live in Montanita involves several steps. First, you need to decide what type of accommodation you're looking for. This could be a house, an apartment, a hostel, or even a room in a shared house. Once you've decided on the type of accommodation, you can start your search. There are several online platforms where you can find listings for rentals in Montanita, such as Airbnb, Booking.com, and local real estate websites. These platforms allow you to filter your search based on your preferences, such as price range, location, and amenities. Another way to find a place to live is by contacting local real estate agents. They can provide you with listings that match your criteria and arrange viewings. If you're already in Montanita, you can also find a place to live by walking around the town and looking for rental signs. This can be a good way to find local deals that may not be listed online. Once you've found a place you're interested in, you should arrange a viewing. This will give you a chance to see the property in person and ask any questions you may have. Before signing a lease, make sure to read it carefully and understand all the terms and conditions. If you're not fluent in Spanish, you may want to have a translator or a local friend help you with this. Finally, once you've signed the lease, you'll need to arrange for utilities and internet, if they're not included in the rent. You can do this by contacting local providers or asking your landlord for assistance. Remember, finding a place to live in a foreign country can take time and patience, so start your search well in advance of your move," remarked one expat who made the move to Montanita.

What is a typical expat home or apartment like in Montanita?

"A typical expat home or apartment in Montanita, is often a blend of modern and traditional styles. These homes are usually spacious, with open floor plans and large windows to let in natural light and offer stunning views of the surrounding landscapes. The living areas often feature comfortable furniture and are designed for relaxation and socializing. The kitchens are usually fully equipped with modern appliances and ample storage space. Bedrooms are typically large and airy, often with en-suite bathrooms. Many homes also have outdoor spaces like balconies or patios, perfect for enjoying the tropical climate. Some expat homes may also have amenities like a swimming pool, garden, or even access to a private beach. Despite the luxurious features, these homes often incorporate local materials and design elements, reflecting the culture and charm of Montanita," explained one expat living in Montanita, Ecuador.

What is the average cost of housing in Montanita?

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

"The average cost of housing in Montanita can vary greatly depending on the type and location of the property. For a one-bedroom apartment in the city center, the monthly rent can be quite affordable, while a three-bedroom apartment in the same area can cost a bit more. If you're looking to buy property, a small house or condo in Montanita can be relatively inexpensive, but prices can rise significantly for larger homes or properties with ocean views. However, compared to many other popular tourist destinations, Montanita is generally considered to be quite affordable," remarked one expat who made the move to Montanita.

How do I meet people in Montanita?

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

"Montanita is a popular destination for expats, and there are numerous clubs and activities they can join to meet people and immerse themselves in the local culture. Many expats join language exchange clubs, where they can practice their Spanish skills with locals and other expats. Surfing is a popular activity in Montanita, and joining a surf club or taking surf lessons is a great way to meet people. Yoga and fitness clubs are also popular, as are cooking classes where expats can learn to prepare traditional Ecuadorian dishes. In addition to joining clubs and participating in activities, expats often meet people by volunteering in the local community. There are numerous opportunities to volunteer in Montanita, from teaching English to helping with environmental conservation projects. Expats also meet people by attending local events and festivals. Montanita is known for its vibrant nightlife and music scene, and going to concerts and parties is a great way to meet both locals and other expats. Another popular way for expats to meet people is by participating in group tours or excursions. Montanita is located near many interesting sites, including the Machalilla National Park and the Agua Blanca Community, and going on a group tour can be a fun and social way to explore the area. Finally, many expats meet people simply by being active in the local community. This can involve anything from shopping at local markets to attending church services. The key is to be open and friendly, and to take advantage of the many opportunities to socialize and engage with the local culture," said one expat in Montanita.

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What should I bring when moving to Montanita?

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

"When moving to Montanita, it's essential to pack lightweight clothing due to the warm, tropical climate. Include items like shorts, t-shirts, tank tops, and light dresses. A swimsuit is a must-have as the town is known for its beautiful beaches and surfing opportunities. Don't forget to pack a good pair of sandals for the beach and comfortable walking shoes for exploring the town. A rain jacket or umbrella is necessary as Montanita can experience heavy rainfall, especially during the wet season. Also, pack a hat, sunglasses, and plenty of sunscreen to protect yourself from the strong equatorial sun. In terms of electronics, remember to bring a power adapter as Ecuador uses Type A and Type B plugs. If you plan on using your phone, consider getting a local SIM card upon arrival. Pack all necessary toiletries, including insect repellent and any prescription medications you may need. It's also a good idea to bring a basic first aid kit. If you're planning on cooking, you might want to pack some of your favorite spices or condiments, as they may be hard to find in local stores. Lastly, don't forget important documents like your passport, driver's license, and any necessary visas or paperwork. It's also a good idea to have copies of these documents in case of loss or theft," explained one expat living in Montanita, Ecuador.

Where should I setup a bank account in Montanita?

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

"Expats considering retirement in Montañita, Ecuador should be aware that the cost of living is significantly lower than in many Western countries, making it an attractive option for those on a fixed income. The official language is Spanish, so learning the language or hiring a translator may be necessary. The local currency is the U.S. dollar, which can make financial transactions easier for American retirees. Montañita is known for its vibrant nightlife and surfing culture, which may not appeal to everyone. The town is small and walkable, but medical facilities are limited, so those with serious health concerns may want to consider living closer to a larger city with more comprehensive healthcare options. Ecuador has a national healthcare system, but many expats choose to also have private health insurance. The country's visa requirements are fairly straightforward, but it's recommended to consult with an immigration lawyer to ensure all paperwork is correctly completed. The climate in Montañita is tropical, with warm temperatures year-round, but it can be humid and rainy. The town is also a popular tourist destination, which means it can get crowded during peak travel seasons. Finally, while Ecuador is generally safe, petty crime can be an issue, so expats should take standard precautions to protect their belongings," said one expat in Montanita.

Will I be able to find a job in Montanita?

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

"In Montanita, foreigners often find jobs in the tourism industry, working in hotels, hostels, or restaurants. Some also work as English teachers, surf instructors, or tour guides. Others may find work in bars or nightclubs, or in local shops selling crafts and souvenirs. There are also opportunities for foreigners to work in volunteer positions, such as in environmental conservation or community development projects. Some foreigners also start their own businesses, such as cafes or yoga studios," wrote one member in Montanita.

What is life like in Montanita?

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

"Life for expats and digital nomads in Montanita is a unique blend of laid-back beach life and vibrant local culture. The town is known for its surfing, yoga, and nightlife, offering a variety of activities for those who choose to live there. The cost of living is relatively low, making it an attractive destination for digital nomads. The local community is welcoming and friendly, with many locals speaking English, making it easier for expats to settle in. The food scene is diverse, with a mix of local Ecuadorian cuisine and international options. For digital nomads, the internet connectivity is generally good, with many cafes and restaurants offering free Wi-Fi. However, power outages can be a common occurrence, so having a backup plan is essential. The climate is tropical, with warm temperatures year-round, making it ideal for those who enjoy outdoor activities. However, it can get quite humid, which may take some getting used to. Despite its small size, Montanita has a thriving expat community, with many social events and gatherings. It's easy to meet other like-minded individuals, making it a great place for networking and making new friends. While Montanita is generally safe, like any other place, it's important to take precautions, especially at night. Healthcare facilities are basic, so for serious medical conditions, one might need to travel to larger cities. Overall, life in Montanita for expats and digital nomads is relaxed, fun, and culturally enriching, offering a unique experience of Ecuador's coastal life," said one expat who made the move to Montanita.

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With Offices in BOTH Ecuador and the US, Ecuador Visas with Attorney Sara Chaca is the No. 1 Visa Law Firm for Your Move! Specializing in Ecuador Residency Visas plus converting from Temporary to Permanent Residency, Containers, Real Estate Closings, Wills and Estate Planning, Driver Licenses, Opening Businesses & Citizenship!

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What do expats in Montanita appreciate most about the local culture?

"Expats in Montanita, appreciate the laid-back and relaxed lifestyle that the local culture embodies. They love the friendly and welcoming nature of the locals, who are always ready to help and make them feel at home. The vibrant and colorful local festivals, filled with music and dance, are another aspect of the culture that expats enjoy. They also appreciate the rich and diverse culinary scene, with fresh seafood being a local specialty. The strong sense of community and the slower pace of life, which contrasts with the hustle and bustle of city living, is another aspect that expats in Montanita value. The local culture's emphasis on family and social connections is also something that resonates with many expats," remarked one expat living in Montanita, Ecuador.

What do expats find most challenging?

"Expats in Montanita often find the language barrier to be the most challenging aspect of the local culture, as Spanish is the primary language spoken and not everyone is fluent in English. The laid-back, "mañana" (tomorrow) attitude can also be a challenge for those used to a more fast-paced, punctual lifestyle. The local cuisine, while delicious, can be a drastic change for some, and adjusting to it can be difficult. The lack of certain amenities and conveniences that they might be used to from their home countries can also be a challenge. Additionally, understanding and navigating the local customs and etiquette can be a steep learning curve for many expats. Lastly, dealing with the local bureaucracy for things like visas and permits can be a frustrating and time-consuming process," commented one expat who made the move to Montanita.

Is there a lot of crime in Montanita?

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

"Montanita is generally considered a safe destination for tourists, but like any other place, it is not completely free from crime. Petty crimes such as pickpocketing and bag snatching are common, especially in crowded areas and on public transportation. There have also been reports of more serious crimes such as assault and robbery, particularly at night and in isolated areas. Drug-related crimes are also a concern in Montanita, as the town is known for its vibrant nightlife and party scene. It is always recommended for visitors to take precautions, stay vigilant, and avoid displaying valuable items in public," remarked one expat living in Montanita, Ecuador.

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

"Montanita is known for its diverse population, attracting people from all over the world. It is a popular destination for tourists, surfers, and backpackers, which contributes to its multicultural atmosphere. The local community is generally accepting of differences, embracing the variety of cultures, languages, and lifestyles that converge in their town. This acceptance is reflected in the town's vibrant nightlife, eclectic food scene, and the various cultural events that take place throughout the year. However, like any place, individual experiences may vary," wrote one member in Montanita.

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What are the schools in Montanita like?

"Montanita is a small coastal town known for its surfing and nightlife. It's not a major city, so it doesn't have a wide range of international or bilingual schools. However, there are a few educational institutions that cater to the needs of international students or those seeking bilingual education. One of the most notable is the Montanita Spanish School. This school offers Spanish language courses to international students. The school is located right on the beach, providing a unique learning environment. They offer a variety of courses, from beginner to advanced levels, and also provide cultural activities and surfing lessons. More information can be found on their website: https://www.montanitaspanishschool.com/. Another option is the Outdoor Ecuador Spanish & Surf School. This school also offers Spanish language courses and surf lessons. They have a flexible schedule and offer classes for all levels. They also provide accommodation for students. More information can be found on their website: https://www.outdoorecuador.com/. For younger students, there is the Escuela Bilingue Montanita. This is a bilingual school that offers education for children from kindergarten to high school. The school follows the Ecuadorian curriculum but also incorporates English language learning. They have a strong focus on environmental education and offer a variety of extracurricular activities. More information can be found on their Facebook page: https://www.facebook.com/Escuela-Bilingue-Montanita-100381298299180/. Please note that while these schools offer some form of bilingual or international education, they may not offer the full range of services that you would find in a larger city or in a school specifically designed for international students. It's always a good idea to contact the school directly to find out more about their programs and services," commented one expat when asked about in Montanita.

What are the pros and cons of living in Montanita?

Expats, digital nomads and retirees living in Montanita responded:

"I moved to the Coast of Ecuador for the wonderful year round mild temps, sunny high season and no storms. I chose to live in a gated community for safety and convenience. Despite Covid news all around here, I feel safer here than in the US," remarked one expat living in Montanita.

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"Montanita is known for its vibrant and lively social scene. It is a popular destination for both local and international tourists, especially surfers and backpackers. The town is filled with a variety of bars, clubs, and restaurants that cater to different tastes and budgets. The nightlife is particularly active, with parties and events happening almost every night. During the day, the social scene revolves around the beach where people gather to surf, sunbathe, play beach volleyball, or simply hang out. There are also numerous cafes and shops where people can socialize. The town is also known for its friendly and welcoming locals. Many of the residents are involved in the tourism industry and are used to interacting with visitors from all over the world. In addition, Montanita hosts several festivals and events throughout the year, which attract large crowds and create a festive atmosphere. These include the Montanita International Surfing Competition and the Carnival in February. Despite its party reputation, Montanita also has a laid-back side. There are yoga retreats, wellness centers, and quiet spots for those who prefer a more relaxed and peaceful environment. Overall, the social scene in Montanita is diverse and dynamic, offering something for everyone," mentioned one expat inMontanita.

"I'm retired so my answers are totally different that others that are younger so they might have kids or be working," commented one expat who moved to Montanita, Ecuador.

What advice to expats in Montanita have about housing?

"I own my house but I can see for others that renting leaves you with options. It also makes it harder to commit to the expat life if you just rent," said an expat in Montanita.

"Expats in Montanita advise that it's important to visit the area first before deciding on a place to live. This allows you to get a feel for the community, the amenities, and the overall vibe of the place. They also suggest renting before buying, as this gives you a chance to experience the area without making a long-term commitment. When looking for housing, consider the location. Some areas are quieter and more residential, while others are closer to the nightlife and can be noisier. It's also important to check the condition of the house or apartment, as some places may not be as well-maintained as others. Expats also recommend getting to know the locals, as they can provide valuable insights and tips about living in Montanita. They can also help you find housing options that may not be advertised online or in local papers. Finally, be aware that while the cost of living in Montanita is generally lower than in many other countries, prices can vary widely depending on the location and quality of the housing. It's important to negotiate the price and make sure you're getting a fair deal. In terms of safety, expats advise that while Montanita is generally safe, it's still important to take precautions. This includes securing your home properly, not displaying valuable items openly, and being aware of your surroundings. Lastly, expats suggest learning some Spanish, as this will make your life easier and help you integrate into the local community," remarked one expat in Montanita.

What are medical services in Montanita like?

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

"There is essentially no healthcare options in my town but there are good options 3 hours away or acceptable ones just 45 minutes away," said one expat living in Montanita.

Are healthcare and health insurance expensive in Montanita?

"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. ," commented one expat who moved to Montanita.

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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.

Montanita, Ecuador

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