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

By Joshua Wood, LPC

Last updated on Jan 01, 2024

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

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What do I need to know about living in Malacatos?

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

"Expats considering retirement in Malacatos should be aware that the official language is Spanish, so learning the language or having a basic understanding would be beneficial. The cost of living is relatively low compared to North America and Europe, making it an attractive option for retirees. The climate in Malacatos is mild and pleasant throughout the year, with temperatures rarely exceeding 24 degrees Celsius. The healthcare system in Ecuador is quite good, with many doctors and hospitals available, but it's advisable to have a comprehensive health insurance plan. Ecuador uses the US dollar as its official currency, which can make financial transitions easier for American retirees. The country has a relaxed pace of life, which can be a significant change for those used to a fast-paced lifestyle. Public transportation is widely available and affordable, but it may not always be reliable or punctual. The food in Ecuador is fresh and locally sourced, but it may take some time for expats to adjust to the local cuisine. Safety can be a concern in some areas, so it's important to research and choose your neighborhood carefully. It's also important to note that while Ecuadorians are generally friendly and welcoming, there can be a cultural gap, and it may take time to integrate into the local community. Lastly, it's crucial to understand the visa and residency requirements before moving, as Ecuador has specific rules for retirees. Legal advice should be sought to ensure all paperwork is correctly completed," said one expat in Malacatos.

"I started in Vilcabamba yet very quickly moved over the hill to a beautiful little town called Malacatos. It's much cheaper, safer and very peaceful and tranquil here. I drive 35 minutes twice a month to Loja for a big shop and if I need anything specifically Americanized then I can drive 17 minutes to Vilcabamba. I've never loved the cities and really enjoy mountain living so am very grateful that I chose to move here. I spent the past few years struggling to survive in the US in an expensive, tiny apartment and here in Malacatos I live in a big, beautiful home with land. I feel like a millionaire here," said one expat who made the move to Malacatos.

Ecuador Visas - Law office of Attorney Sara ChacaEcuador Visas - Law office of Attorney Sara Chaca
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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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Ecuador Visas - Law office of Attorney Sara ChacaEcuador Visas - Law office of Attorney Sara Chaca

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 I need to know before moving to Malacatos?

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

"Expats moving to Malacatos should be aware that the official language is Spanish, so it would be beneficial to learn the language or at least basic phrases. The cost of living is relatively low compared to many Western countries, making it an attractive place for retirees. The currency in Ecuador is the US dollar, which can make financial transitions easier for American expats. Malacatos has a mild climate year-round, with temperatures rarely exceeding 77 degrees Fahrenheit, which can be a welcome change for those used to harsh winters or extremely hot summers. The healthcare system in Ecuador is quite good, but it's recommended to have health insurance that can cover any potential medical needs. Public transportation is widely available and affordable, but it may not always be reliable or punctual. The food in Malacatos is fresh and locally sourced, with a focus on fruits, vegetables, and grains. It's important to note that while Malacatos is generally safe, like any place, it has its share of crime, so it's important to take standard safety precautions. Also, it's crucial to understand the local customs and traditions to respect the local culture. Lastly, expats should be prepared for a slower pace of life compared to many Western countries, as the culture in Malacatos values relaxation and family time over a rushed or hectic lifestyle," explained one expat living in Malacatos, Ecuador.

How do I find a place to live in Malacatos?

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

"Finding a place to live in Malacatos involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a larger house, depending on your needs and financial situation. Next, you should research the different neighborhoods in Malacatos to find one that suits your lifestyle and preferences. Some areas might be closer to amenities like shops and restaurants, while others might offer more peace and quiet. Once you have a clear idea of what you're looking for, you can start your search. One of the best ways to find accommodation in Malacatos is through online property listings. Websites like Ecuador Homes Online, Viviun, and Ecuador Property Listings often have a wide range of options available in different parts of the country. Another option is to work with a local real estate agent. They will have a good understanding of the local market and can help you find a place that fits your criteria. You can find real estate agents through online directories or by asking for recommendations from locals or expats. If you're already in Malacatos, you can also look for "For Rent" signs in the area you're interested in. Some properties might not be listed online, so this can be a good way to find hidden gems. Before making a decision, make sure to visit the property in person. This will give you a chance to check the condition of the place, ask questions, and get a feel for the neighborhood. Finally, once you've found a place you like, you'll need to negotiate the terms of the lease, pay a deposit, and sign the rental agreement. Make sure to read the contract carefully and understand all the terms before signing. If possible, it might be helpful to have a lawyer or someone fluent in Spanish review the contract to ensure there are no misunderstandings," wrote a member in Malacatos.

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

"A typical expat home in Malacatos, is often a spacious, detached house with a large garden. These homes are usually built in a modern style but with traditional Ecuadorian influences, such as terracotta roof tiles and stucco walls. The interiors are comfortable and well-appointed, with modern kitchens and bathrooms, large living areas, and multiple bedrooms. Many homes also have outdoor living spaces, such as patios or balconies, to take advantage of the region's mild climate. Some homes may also have a swimming pool or a hot tub. The homes are often located in safe, quiet neighborhoods, close to local amenities such as shops, restaurants, and schools. Many expats also choose to live in gated communities, which offer additional security and often have communal facilities such as a gym or a clubhouse. Despite the high standard of living, the cost of housing in Malacatos is generally much lower than in many Western countries," wrote a member in Malacatos.

What is the average cost of housing in Malacatos?

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

"The average cost of housing in Malacatos can vary greatly depending on the size and location of the property. However, generally, it is quite affordable compared to many other places. For instance, you can purchase a small home or condo for less than $100,000. Larger, more luxurious homes might cost between $100,000 and $200,000. Renting a home in Malacatos can also be quite affordable, with many properties available for less than $500 per month," commented one expat who made the move to Malacatos.

How do I meet people in Malacatos?

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

"Expats in Malacatos often join local clubs and activities to meet people and immerse themselves in the local culture. These can include language exchange groups, where they can practice their Spanish and help locals with English. They may also join local sports clubs, such as soccer or hiking groups, which are popular activities in the area. In addition, there are often expat groups that organize social events and outings, providing a great way to meet other foreigners living in the area. These groups often organize trips to local attractions, dinners at local restaurants, or even weekend getaways to other parts of Ecuador. Expats may also get involved in volunteer work in the community. This could involve helping out at local schools, participating in environmental conservation projects, or assisting with community development initiatives. This not only provides a way to meet people, but also to contribute to the local community and gain a deeper understanding of life in Malacatos. Another way expats meet people is by attending local festivals and events. Malacatos is known for its vibrant cultural scene, with numerous festivals throughout the year celebrating everything from religious holidays to local food and music. These events provide a great opportunity to meet locals and other expats, and to experience the rich culture of the region. Finally, simply frequenting local businesses, such as cafes, restaurants, and markets, can be a great way to meet people. The people of Malacatos are known for their friendliness and hospitality, and are often more than happy to strike up a conversation with newcomers," explained one expat living in Malacatos, Ecuador.

Ecuador Visas - Law office of Attorney Sara Chaca

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

Ecuador Visas - Law office of Attorney Sara Chaca

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!

Learn MoreConnect

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

What should I bring when moving to Malacatos?

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

"When moving to Malacatos, you should pack lightweight clothing suitable for a tropical climate, including shorts, t-shirts, and sandals. Don't forget to pack a rain jacket or umbrella, as the region experiences frequent rainfall. A hat and sunglasses will protect you from the intense sun, and a good quality sunscreen is a must. Pack comfortable walking shoes for exploring the local area, and if you plan on hiking in the nearby Podocarpus National Park, consider packing hiking boots and outdoor gear. Bring a Spanish-English dictionary or phrasebook to help with communication, as English is not widely spoken in Malacatos. Pack all necessary medications, as well as a basic first aid kit. It's also a good idea to bring a water purifier or iodine tablets, as tap water in Ecuador is not safe to drink. Remember to pack your passport, driver's license, and other important documents. It's also a good idea to bring copies of these documents, in case the originals are lost or stolen. If you plan on using electronic devices, pack a power adapter, as the electrical outlets in Ecuador are different from those in many other countries. Finally, pack personal items that will make your new home feel more comfortable, such as photos, favorite books, or small keepsakes," wrote a member in Malacatos.

Where should I setup a bank account in Malacatos?

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

"Expats considering retirement in Malacatos should be aware that the official language is Spanish, so learning the language or having a basic understanding would be beneficial. The cost of living is relatively low compared to North America and Europe, making it an attractive option for retirees. The climate in Malacatos is mild and pleasant year-round, with temperatures rarely exceeding 80 degrees Fahrenheit. Healthcare in Ecuador is generally good, with many doctors in larger cities trained in the US or Europe, but it's important to note that rural areas may have less access to medical facilities. Expats should ensure they have adequate health insurance that covers them internationally. Ecuador uses the US dollar as its official currency, which can make financial transitions easier for American retirees. The country has a slower pace of life, which can be a significant change for those used to a fast-paced Western lifestyle. Ecuadorian cuisine is diverse and heavily influenced by indigenous cultures, with a focus on fresh fruits, vegetables, and seafood. Expats should be aware that property rights are generally respected in Ecuador, but it's crucial to work with a reputable attorney when buying property. Public transportation is widely available and affordable in Ecuador, but driving can be challenging due to different road conditions and driving habits. Lastly, while Ecuador is generally safe, expats should be aware of their surroundings and take standard precautions to avoid petty crime," remarked one expat living in Malacatos, Ecuador.

Will I be able to find a job in Malacatos?

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

"In Malacatos, foreigners often find employment in various sectors. Many work in the education sector as English teachers in local schools or private tutors. Some foreigners also work in the tourism industry, serving as tour guides, hotel managers, or running their own hospitality businesses like bed and breakfasts. Others may be involved in non-profit work or community development projects. Additionally, there are foreigners who work remotely in various fields such as IT, writing, and consulting, thanks to the increasing popularity of digital nomadism. Lastly, some foreigners in Malacatos are retirees who may not work but engage in volunteer activities," commented one expat who made the move to Malacatos.

What is life like in Malacatos?

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

"Life for expats and digital nomads in Malacatos is generally peaceful and relaxed. The town is small and quiet, offering a slower pace of life that many expats appreciate. The cost of living is relatively low, making it an attractive place for those who work remotely. The local community is friendly and welcoming, often going out of their way to help newcomers feel at home. The natural beauty of Malacatos is a major draw for many expats and digital nomads. The town is surrounded by mountains and valleys, offering plenty of opportunities for outdoor activities like hiking and bird watching. The climate is also a big plus, with warm, sunny days and cool nights year-round. Despite its small size, Malacatos has a good range of amenities. There are several grocery stores, restaurants, and cafes, as well as a local market where you can buy fresh produce. Internet service is generally reliable, which is crucial for digital nomads. However, life in Malacatos does come with some challenges. The language barrier can be a hurdle, as not many locals speak English. It's also a bit isolated, with the nearest city, Loja, about an hour away. Public transportation is limited, so having a car can be beneficial. Overall, Malacatos offers a unique blend of tranquility, natural beauty, and affordability that can be very appealing to expats and digital nomads," wrote one member in Malacatos.

Ecuador Visas - Law office of Attorney Sara Chaca

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!

Learn MoreConnect

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

Ecuador Visas - Law office of Attorney Sara Chaca

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!

Learn MoreConnect

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

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

"Expats in Malacatos, 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 strong sense of community and family values that are deeply ingrained in the local culture. The local cuisine, which is both delicious and diverse, is another highlight for many expats. Lastly, the beautiful natural surroundings, with lush green landscapes and a pleasant climate, add to the overall charm of living in Malacatos," wrote one member in Malacatos.

What do expats find most challenging?

"Expats in Malacatos 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 many 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 local cuisine, which is heavily based on corn, potatoes, and meat, may be difficult to adapt to for those used to a different diet. Lastly, the lack of certain modern conveniences and amenities that they may be accustomed to in their home countries can also pose a challenge," remarked one expat living in Malacatos, Ecuador.

Is there a lot of crime in Malacatos?

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

"As an AI, I don't have real-time data, but as of the information available to me, Malacatos is generally considered a safe and peaceful town. Like any place, it may have occasional petty crimes, but it's not known for high crime rates. However, it's always recommended for residents and visitors to take standard precautions to ensure their safety. For the most accurate and current information, local law enforcement or government resources should be consulted," explained one expat living in Malacatos, Ecuador.

"Come on over to Malacatos and stay! I have had ZERO crime issues in my neighborhood as we all take good care of each other and watch out for one another! I feel completely safe and live in a beautiful home up on the mountain with wonderful neighbors," said one expat in Malacatos.

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

"Malacatos is a small town with a mix of indigenous and mestizo populations, reflecting a certain level of ethnic diversity. However, it may not be as diverse as larger cities in terms of international cultures. The people of Malacatos are generally known for their warmth and hospitality, and they are typically accepting of differences. However, like any place, individual attitudes can vary. The town is also known for its peaceful atmosphere and slow pace of life, which can be appealing to those seeking a change from bustling city life," said one expat in Malacatos.

Ecuador Visas - Law office of Attorney Sara ChacaEcuador Visas - Law office of Attorney Sara Chaca
Connect

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.

Ecuador Visas - Law office of Attorney Sara ChacaEcuador Visas - Law office of Attorney Sara Chaca

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

What are the schools in Malacatos like?

"Malacatos is a small town in the Loja Province of Ecuador. It's known for its pleasant climate and beautiful landscapes. However, due to its small size and rural location, it does not have a wide range of international or bilingual schools. Most educational institutions in the area are local schools teaching in Spanish. For international or bilingual education, one would likely need to look in larger cities such as Loja or Quito. In Loja, for example, there is the American School of Quito, which offers a bilingual education in English and Spanish and follows an American-style curriculum. Another option in Quito is the British School Quito, which offers a British-style education and is accredited by the Council of British International Schools. Please note that these schools are not located in Malacatos, but in larger cities within Ecuador. It's recommended to contact local authorities or educational consultants for more specific information about schools in Malacatos," explained one expat living in Malacatos, Ecuador.

"Malacatos has a vibrant and welcoming social scene. The town is known for its friendly locals who are always ready to engage in conversation and share their culture with visitors. The social life revolves around community events, local markets, and festivals. Traditional music and dance are integral parts of social gatherings, with locals often seen playing music in the streets or dancing during festivals. The town also has a number of small bars and restaurants where locals and tourists mingle. Despite its small size, Malacatos has a strong sense of community, with people often gathering in the town square or local parks. The pace of life is relaxed, and social interactions are often unhurried and genuine," wrote one expat living in Malacatos.

What advice to expats in Malacatos have about housing?

"Expats in Malacatos advise that housing in the area is generally affordable and offers a variety of options, from apartments to standalone houses. They recommend renting 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 can help navigate the process and negotiate prices. Expats also advise checking the proximity of the house to amenities like markets, hospitals, and schools. They also suggest ensuring that the house has a good water supply and internet connection, as these can sometimes be issues in certain areas. Lastly, they recommend being aware of the local climate and choosing a house that is well-suited to it, as Malacatos can be quite warm," wrote one expat living in Malacatos.

Are healthcare and health insurance expensive in Malacatos?

"I have chosen to keep both my US Medicare supplemental and also IESS public insurance here in Ecuador. As you may know the local healthcare here has been experiencing EXTREME financial difficulties so I haven't been so quick to drop my Medicare in the US. I am three years out of cancer and just don't want to take a chance yet in depending on soley on IESS. I've unfortunately watched it fail horribly for some friends. At least with both, I know that I can always return to the US if I need advanced healthcare. If you do plan on dropping it, it's one of those things that needs to be done from the US so something to keep in mind. For me the price is worth the piece of mind to keep both and it's honestly about the same price of getting private insurance here. I pay $170 supplemental in US and $78 here for IESS. Private insurance because of my pre-exisiting here was quoted at $350. Hope that helps! Just my experience," remarked one expat in Malacatos.

Ecuador Visas - Law office of Attorney Sara Chaca

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!

Learn MoreConnect

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

Ecuador Visas - Law office of Attorney Sara Chaca

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!

Learn MoreConnect

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

Why do people move to Malacatos?

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

"I lived in Vilcabamba for two months and very quickly moved over the hill to Malacatos. The energy here is much different than Vilca and it's much quieter, safer, much cheaper and I love sitting by the river watching the bamboo grow! LOL! If I need a dose of excitement or something Americanized Vilcabamba is only 20 minutes away. I absolutely LOVE it here and am so grateful that I made the choice to leave the US. I went from constantly struggling to survive to living like a millionaire here in Malacatos. It's close enough to Vilca, yet far enough to be away to have peace and tranquility! ," commented one expat who moved to Malacatos.

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.

Ecuador Visas - Law office of Attorney Sara Chaca
Ecuador Visas - Law office of Attorney Sara Chaca

Ecuador Visas with Attorney Sara Chaca is the No. 1 Visa Law Firm for Your Move!
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Ecuador Visas - Law office of Attorney Sara ChacaEcuador Visas - Law office of Attorney Sara Chaca

Ecuador Visas with Attorney Sara Chaca is the No. 1 Visa Law Firm for Your Move!
Learn More

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