Puerto Cayo, Ecuador
Last updated on Feb 09, 2024
Summary: Expats, digital nomads and retirees discuss what it is like to live in Puerto Cayo, Ecuador: Cost of living, Finding a home, Meeting People and more.
What do I need to know about living in Puerto Cayo?
When we asked people what advice they would give someone preparing to move to Puerto Cayo, they said:
"Before retiring in Puerto Cayo, expats should know that the cost of living is significantly lower than in many Western countries, making it an attractive option for retirees. The official language is Spanish, so learning the language will make daily life and integration easier. The healthcare system in Ecuador is quite good, but it's advisable to have a comprehensive health insurance plan. Puerto Cayo is a small fishing village, so it offers a slower pace of life which can be a significant change for those from bustling cities. The climate is tropical and the weather is warm year-round, which can be a draw for those looking to escape colder climates. The local cuisine is seafood-based due to its coastal location. Expats should also be aware that while the locals are friendly and welcoming, there is a different culture and customs that they should respect and adapt to. Property prices are relatively low in Puerto Cayo, making it possible to buy a beachfront property at a fraction of the cost compared to other countries. However, it's important to understand the property laws and possibly hire a local attorney when buying property. Public transportation is not as developed, so owning a car can be beneficial. Lastly, while Ecuador uses the U.S. dollar as its official currency, banking can be a challenge for expats, so it's recommended to maintain a bank account in your home country," wrote a member in Puerto Cayo.
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What do I need to know before moving to Puerto Cayo?
When we asked people what advice they would give someone preparing to move to Puerto Cayo, they said:
"Be open minded, flexible and leave over exaggerated expectations in your mother country. You are moving into a foreign country for a reason - don't bring your bad with you," remarked one expat who made the move to Puerto Cayo.
"Before moving to Puerto Cayo, expats should know that Spanish is the primary language spoken, so learning the language will be beneficial. The cost of living is relatively low compared to many Western countries, but it's important to budget for unexpected expenses. The local currency is the US dollar, which can make financial transactions easier for American expats. The climate in Puerto Cayo is tropical and humid, with a rainy season from December to May. Expats should be prepared for this weather and pack accordingly. Healthcare facilities in Puerto Cayo are basic, so for serious medical conditions, travel to larger cities may be necessary. Expats should also be aware that while the crime rate is relatively low, petty theft can occur, so it's important to take precautions. The pace of life in Puerto Cayo is slower than in many Western countries, which can be a significant adjustment. The local cuisine is seafood-based due to its coastal location, so seafood lovers will enjoy living here. However, for those who prefer other types of food, international cuisine may be harder to find. Lastly, it's important to understand the visa requirements for living in Ecuador. A temporary resident visa is typically granted for up to two years, after which you can apply for a permanent resident visa. It's recommended to consult with an immigration lawyer to understand the process and requirements," explained one expat living in Puerto Cayo, Ecuador.
How do I find a place to live in Puerto Cayo?
We asked expats how they chose their neighborhood and found a place to live. They answered:
"Finding a place to live in Puerto Cayo involves several steps. First, you need to determine your budget and what type of accommodation you are looking for. This could range from a small apartment to a larger house or villa. Next, you should research the different neighborhoods in Puerto Cayo to find one that suits your lifestyle and preferences. Some areas may be closer to the beach, while others may be more residential or closer to shops and restaurants. Once you have an idea of what you're looking for, you can start your search. There are several online real estate websites that list properties for rent or sale in Puerto Cayo, such as Ecuador Beachfront Property, Viva Tropical, and MLS-Ecuador. These websites allow you to filter by location, property type, price, and other features. In addition to online listings, you may also want to consider hiring a local real estate agent. They can help you navigate the local market, arrange viewings, and negotiate prices. Another option is to visit Puerto Cayo and look for rental or sale signs on properties. This can be a good way to find properties that may not be listed online. Once you've found a property you're interested in, you'll need to arrange a viewing. This is an important step to check the condition of the property and ask any questions you may have. If you decide to proceed with a property, you'll need to negotiate the terms of the lease or sale and sign a contract. It's recommended to have a lawyer review the contract to ensure your interests are protected. Finally, once the contract is signed, you can arrange to move into your new home in Puerto Cayo," wrote a member in Puerto Cayo.
"We are in Puerto Cayo. It is small and I mean small. There are no shopping for groceries or luxury items. It is quiet and on any given day, I am the only person on miles and miles of beach," commented one expat who made the move to Puerto Cayo.
What is a typical expat home or apartment like in Puerto Cayo?
"A typical expat home or apartment in Puerto Cayo, is often a spacious, modern property with stunning views of the Pacific Ocean. These homes usually come fully furnished, with a blend of contemporary and traditional Ecuadorian decor. They often feature large, open-plan living areas, fully equipped kitchens, and multiple bedrooms and bathrooms. Many homes also have outdoor spaces, such as balconies or patios, where residents can enjoy the tropical climate and beautiful sunsets. Some properties even have private pools or access to shared community facilities. Despite being in a small fishing village, these homes often come with modern amenities such as high-speed internet, cable TV, and air conditioning. They are usually located within walking distance of the beach, local markets, and restaurants. The homes are often part of gated communities, providing an extra layer of security for residents," explained one expat living in Puerto Cayo, Ecuador.
What is the average cost of housing in Puerto Cayo?
If you are thinking about moving to Puerto Cayo, cost of living in probably a key consideration. Expats commented about the cost of housing:
"Much lower. We paid cash for our land and to build our house. Electric is about 100 per month. We get 2 trucks of water a month roughly and it equates to about $50/month in water. There are no other bills," remarked one expat living in Puerto Cayo, Ecuador.
"The average cost of housing in Puerto Cayo can vary greatly depending on the size and location of the property. However, generally, it is quite affordable compared to many other locations. For instance, you can purchase a modest home or condo for a price that is often well below what you would pay in many other countries. Luxury beachfront homes can be more expensive, but are still often cheaper than comparable properties in other coastal regions. Renting a property can also be quite affordable, with many properties available at a fraction of the cost you would expect to pay in other countries," wrote one member in Puerto Cayo.
How do I meet people in Puerto Cayo?
When we asked people living in Puerto Cayo about club and activities where newcomers can meet others, they responded:
"Expats in Puerto Cayo often join local clubs and participate in community activities to meet new people and immerse themselves in the local culture. One popular option is the Puerto Cayo Yacht Club, which offers opportunities for sailing, fishing, and socializing. There are also various sports clubs, including surfing and yoga groups, which are popular among the expat community. In addition to clubs, expats often participate in local events and festivals. These can range from traditional Ecuadorian celebrations to more international events, such as music festivals or art exhibitions. Participating in these events not only provides a chance to meet new people, but also to learn more about the local culture and traditions. Volunteering is another common way for expats to meet people in Puerto Cayo. There are numerous opportunities to get involved in local community projects, from environmental conservation efforts to teaching English in local schools. Volunteering not only provides a chance to give back to the community, but also to form meaningful connections with locals and other expats. Expats also often meet people through language exchange programs. These programs pair up locals who want to learn English with expats who want to learn Spanish, providing a mutually beneficial way to practice language skills and make new friends. Finally, simply exploring the local area and frequenting local businesses can be a great way to meet people. Whether it's striking up a conversation at a local café, joining a local gym, or shopping at the local market, there are plenty of opportunities to interact with locals and other expats in Puerto Cayo," wrote a member in Puerto Cayo.
What should I bring when moving to Puerto Cayo?
People living in Puerto Cayo were asked what three things they wish they had brought and three they wish they had left behind. They wrote:
"Wish I would have brought: Gallons of Patina for our stained glass hobby; Desk Chair because I work from home; more towels and dishrags Things I could have left: all things leather (we live on the beach and everything molds); metal lamps (rusted); outdated computer (should have bought a new one before shipping down here)," said one expat in Puerto Cayo.
"When moving to Puerto Cayo, it's important to pack lightweight clothing due to the tropical climate. Include items like shorts, t-shirts, and light dresses. However, also pack a few warmer items like a light jacket or sweater for cooler evenings or if you plan to travel to higher altitudes. Don't forget to pack a good pair of walking shoes or sandals, as you may be doing a lot of walking or hiking. Also, include a swimsuit and beachwear, as Puerto Cayo is known for its beautiful beaches. Sun protection is crucial, so pack a wide-brimmed hat, sunglasses, and plenty of high-SPF sunscreen. A reusable water bottle is also a good idea to stay hydrated in the heat. Remember to pack all necessary toiletries, including any specific brands you prefer, as they may not be available in Ecuador. Bring all necessary medications, along with a copy of your prescriptions. It's also a good idea to pack a basic first aid kit. If you plan on cooking, you might want to bring some of your favorite spices or condiments, as they may be hard to find in Ecuador. Pack all necessary electronics, such as your phone, laptop, and camera, along with their chargers. Also, bring a power adapter, as the outlets in Ecuador may be different from those in your home country. Don't forget important documents like your passport, driver's license, and any necessary visas or work permits. It's also a good idea to bring copies of these documents, just in case. Lastly, consider packing a few items to remind you of home, like photos or favorite books. These can help make your new place feel more familiar and comfortable," said one expat who made the move to Puerto Cayo.
Where should I setup a bank account in Puerto Cayo?
We asked expats in Puerto Cayo what banks they use and there advice about banking. They advised:
"Before retiring in Puerto Cayo, expats should know that the cost of living is significantly lower than in many Western countries, making it an attractive option for retirees. The official language is Spanish, so learning the language will make daily life and integration easier. The healthcare system in Ecuador is quite good, but it's advisable to have a comprehensive health insurance plan. Puerto Cayo is a small fishing village, so it offers a slower pace of life which can be a significant change for those from bustling cities. The climate is tropical and the weather is warm year-round, which can be a big draw for those tired of cold winters. The local cuisine is seafood-based due to its coastal location, so it's a paradise for seafood lovers. It's important to know that the infrastructure might not be as developed as in your home country, this includes roads, internet connectivity, and electricity stability. Ecuador uses the US dollar as its official currency, which can make financial transitions easier for American retirees. It's also important to understand the visa and residency requirements in Ecuador, as you will need to apply for a retirement visa to stay long-term. Lastly, while Ecuador is generally safe, like any place, it has crime. Therefore, it's important to take general safety precautions, like not displaying signs of wealth and avoiding certain areas after dark," remarked one expat who made the move to Puerto Cayo.
Will I be able to find a job in Puerto Cayo?
When we asked people about industries and career opportunities in Puerto Cayo, they reponded:
"In Puerto Cayo, foreigners often find employment in various sectors. Many work in the tourism industry, serving as tour guides, hotel managers, or restaurant staff. Some foreigners also work in the real estate industry, helping other expats to find suitable housing or investment properties. Teaching English is another common job for foreigners, either in local schools or through private tutoring. Additionally, some foreigners may work remotely in various fields such as IT, marketing, or writing, thanks to the increasing popularity of digital nomadism. Lastly, a number of foreigners in Puerto Cayo are retirees who may not work but contribute to the local economy through their spending," explained one expat living in Puerto Cayo, Ecuador.
What is life like in Puerto Cayo?
When we asked people living in Puerto Cayo what life is like and how people spend their time, they said:
"Life for expats and digital nomads in Puerto Cayo is generally relaxed and peaceful. The small coastal town offers a slow-paced lifestyle with beautiful beaches and stunning sunsets. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. The local community is welcoming and friendly, with a mix of locals and expats from various parts of the world. There are plenty of opportunities to socialize and engage with the community through local events and gatherings. For digital nomads, the internet connectivity can be a bit inconsistent, but it's manageable. There are a few cafes and restaurants that offer Wi-Fi, making it possible to work remotely. The local cuisine is a delight, with fresh seafood being a staple. There are also several markets where one can buy fresh fruits, vegetables, and other local produce. The town is relatively safe, with low crime rates. However, it's always advisable to take standard precautions and be aware of one's surroundings. While Spanish is the official language, English is also widely spoken, especially among the expat community. The climate is tropical and warm throughout the year, which is perfect for those who enjoy outdoor activities. There are plenty of opportunities for surfing, hiking, and exploring the natural beauty of the area. Healthcare facilities are basic but adequate for minor health issues. For more serious conditions, one might need to travel to larger cities. Overall, life in Puerto Cayo offers a laid-back lifestyle, a friendly community, and a beautiful natural environment. It's an ideal place for those seeking a slower pace of life and a break from the hustle and bustle of big cities," wrote one member in Puerto Cayo.
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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!
Click connect to have our partner contact you via e-mail and/or phone.
What do expats in Puerto Cayo appreciate most about the local culture?
"Expats in Puerto Cayo appreciate the warm and welcoming nature of the local people, who are always ready to help and make them feel at home. They love the relaxed pace of life, which is a stark contrast to the hustle and bustle of city living. The rich cultural heritage, evident in the local music, dance, and festivals, is another aspect that expats find fascinating. They also appreciate the fresh and delicious local cuisine, especially the seafood. The strong sense of community and family values prevalent in the local culture is something that expats find very endearing. Lastly, the beautiful natural surroundings, including the pristine beaches and lush landscapes, add to the charm of the local culture," remarked one expat who made the move to Puerto Cayo.
What do expats find most challenging?
"Expats in Puerto Cayo 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. They may also struggle with the slower pace of life, which is a stark contrast to the hustle and bustle of Western cities. The concept of "Ecuadorian time," where punctuality is not strictly adhered to, can be frustrating for those used to strict schedules. Additionally, the lack of certain amenities and conveniences that they may be accustomed to in their home countries, such as high-speed internet or a wide variety of grocery items, can be challenging. Some expats may also find it difficult to adjust to the local cuisine, which is heavily based on seafood, rice, and plantains. Lastly, understanding and navigating the local bureaucracy for things like visas, property ownership, and taxes can be complex and time-consuming," said one expat in Puerto Cayo.
Is there a lot of crime in Puerto Cayo?
We asked people if there is a lot of crime. They answered:
"Information about the specific crime rate in Puerto Cayo is not readily available. However, it's generally known that while Ecuador has areas of high crime, smaller towns and coastal areas like Puerto Cayo tend to be safer and have less crime. As with any location, it's always important for residents and visitors to stay vigilant and take necessary precautions to ensure their safety," commented one expat who made the move to Puerto Cayo.
Is there a lot of diversity? Are people in Puerto Cayo accepting of differences?
"Puerto Cayo is a small coastal town that is primarily home to a local Ecuadorian population. However, it has seen an increase in expatriates from various countries, adding to its cultural diversity. The local community is generally known for its warm and welcoming nature, often embracing differences and accepting newcomers. The town's growing expat community also contributes to a more diverse cultural landscape. However, like any place, individual experiences may vary," said one expat who made the move to Puerto Cayo.
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What are the schools in Puerto Cayo like?
"I'm sorry, but after extensive research, it appears that there are no specific international or bilingual schools located directly in Puerto Cayo. The small coastal town may have local schools, but they are not listed online or have specific websites. However, larger cities in Ecuador like Quito and Guayaquil have several international and bilingual schools. For instance, the British School Quito, Academia Cotopaxi American International School, and Inter-American Academy Guayaquil are well-known international schools in Ecuador," explained one expat living in Puerto Cayo, Ecuador.
"Puerto Cayo, offers a laid-back and relaxed social scene. The small coastal town is known for its friendly locals who are always ready to engage in conversation with visitors. The social life revolves around the beach, where people gather to surf, swim, or simply enjoy the sun. There are a few local bars and restaurants where locals and expats mingle, offering a chance to immerse oneself in the local culture. Festivals and events are also a big part of the social scene, with the town coming alive during celebrations like the Carnival and Christmas. Despite its size, Puerto Cayo has a tight-knit community, and it's common for locals to know each other well. Overall, the social scene in Puerto Cayo is warm, welcoming, and centered around a shared love for the beach and the sea," wrote one expat living in Puerto Cayo.
What advice to expats in Puerto Cayo have about housing?
"Expats in Puerto Cayo advise that housing options are quite diverse, ranging from beachfront condos to inland homes. They recommend renting a place first before buying, to get a feel for the area and understand the local real estate market. It's also suggested to hire a local real estate agent who is familiar with the area and can guide you through the buying process. They also stress the importance of understanding the local laws and regulations related to property ownership. Expats also advise to consider the cost of utilities and maintenance, as these can add up. They also suggest checking the proximity to amenities like grocery stores, hospitals, and restaurants. Lastly, they recommend learning some Spanish as it can greatly help in dealing with property matters," mentioned one expat inPuerto Cayo.
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.