Living in Mexico

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

"I would say, "Brother, you will not find a more excellent choice for a place to retire here in Mexico". Sure, there are more exciting places with nightclubs, wild bars with loud music and perhaps an ocean to frolic in, but with that comes a lot of undesireable "junk". The weekdays here are very quiet and relaxing, while the weekends are fun filled due to tourists and special functions designed by the Presidencia municipal. The elevation here is about 6,000 feet, which means we do not get hot. Most days are in the 75-80 degree range, though it can get a little chilly at night during the winter. I enjoy a second floor two bedroom apartment right across from the main town plaza. I keep the balcony doors open at all times and revere in the almost constant breeze that keeps my place cool, night & day. Rent? Under $300 US per month. Try and beat that in the US," commented one expat who made the move to Tequisquiapan.

"I suggest you never secure a 6 mo lease until you see and feel the property. Committing to 6 month online is not recommended whether you get a 180 day visa or not. Get a hotel when you arrive and make that your base camp to find longer arrangements. Don't think what you see online is what is actually there. Bait and switch happens in Mexico....and don't forget it. Once they have your money you are behind the curve," remarked one expat living in San Carlos, Mexico.

"Get out, see the town. Clearly, learning Spanish makes getting out a lot easier, so learn Spanish (again, people here are pretty patient, so it's a great community to try perfecting one's broken Spanish). The downtown has a lot to offer, between the Alameda, Plaza de Armas, and various free/cheap museums. The Serape Museum is my favorite, and, as creepy as it sounds, the Bird Museum is pretty interesting (and in the summer, well worth spending 10 pesos for an hour or so in the air-conditioning). If your company is moving you, they'll probably suggest that you live in the way north side of the city--this is a nice area of town and may be advantageous as it seems that most expats live there. However, do consider the Republica neighborhood, downtown, and the south side of town. They're all great places to live, within walking distance of points of interest, and often a lot cheaper than the northern neighborhoods," wrote one member in Saltillo.

"Mexico offers many attractive benefits for retirees looking for a warm climate and a lower cost of living. Before retiring to Mexico, expats should familiarize themselves with the country's laws, customs, and culture. Additionally, they should investigate the cost of living in their preferred location, as prices and availability vary greatly depending on the region. Expats should also consider enrolling in Mexico’s medical insurance program or purchasing private coverage to ensure they have access to quality medical care. Additionally, expats should be aware that many medicines not available in Mexico can be ordered online or imported. Finally, many retirees in Mexico find it beneficial to learn some conversational Spanish, since the language is widely spoken throughout the country," remarked one expat who made the move to Mexico.

"It's really no different that meeting people anywhere, with the exception that Mexicans - in general - are more welcoming. Smile, laugh, wave, learn simple greetings. Breathe..," said one expat who made the move to Mexico.

"Meeting people in this relatively is not a problem; there are no clubs to join as far as I know. Simply not necessary," explained one expat living in Tequisquiapan, Mexico.

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

"Saltillo appears to be a much friendlier city than others I have lived in (Puebla, Cuernavaca, Toluca). However, it was not easy to get to know people until I got connected with the Saltillo International Church (www.saltillointerationalchurch.com). They have bilingual services on Sundays, and for those who may not be "church-y" (or, like me, prefer the neighborhood church) have book studies for adults, men, and women throughout the week. Also, if your Spanish is decent www.desaltillo.com is helpful to find out events that are going on in town. If you friend them on facebook, they'll send daily updates--so helpful for me, as we don't regularly buy the newspaper," explained one expat who made the move to Saltillo.

"There are lots of activities in San Carlos. In the winter, Club Deportivo hosts an Educational series along with the usual bingo and such. There are several non-profit organizations to join, The Rescate (EMS) thrift store collects and sells items to support ambulance service. The Castaway Kids supports the local orphanage. The Rotary - and more. If you want to be involved there are many avenues. Most of the support groups are run by English speaking people, so there should be no hesitation if you haven't entirely grasped the language," said one expat living in San Carlos, Mexico.

"Renovating old colonial homes, enjoying the beach, learning about the Mayan culture," explained one expat living in Yucatan, Mexico.

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

"No. We have a little petty crime, which is new for us, but it is much safer here than any Us city . We all walk around at night and do not worry," remarked one expat who made the move to Manzanillo.

"There is less crime here than where we lived NOB. There is some petty crime.. burglaries and an occasional mugging. But these appear to be no worse than many places up north," explained one expat living in Ajijic, Mexico.

"Crime is a major problem in Mexico. Drug-related violence and organized crime are especially prevalent, and citizens in many parts of the country face increased threats of kidnapping and extortion. Mexico has some of the highest rates of homicide in the world, with high levels of gang and cartel activity driving much of the crime. Robbery and carjacking are also common in Mexico," said one expat in Mexico.

"Tlaxcala State has one of the lowest crime rates in the country. But there is always petty crime everywhere and a person should always be alert and cautious," said one expat who made the move to Apizaco.

"The town is mainly Catholic, with some other Christian thrown in. There are a couple of English services of the non denominational Christian belief. The Mexicans are very accepting of us foreigners and very patient with us," explained one expat living in Manzanillo, Mexico.

"Mexico boasts an incredibly diverse population that reflects their country's mixed heritage and history. People in Mexico are generally very accepting of differences and strive to celebrate the variety of cultures that make up their nation. Mexico's culture is a blending of many customs, values, and traditions from different backgrounds, which has created a unique atmosphere of acceptance and respect for people from all walks of life," said one expat in Mexico.

"The population here is at least 90% native Mexican, with a small cadre of Americans, Canadians, British, French, Germans & Austrians. The people are very open to anyone who chooses to relocate here. There is no discrimination as far as I can tell. As an American, I feel I am treated just the same as the locals. Even the police are very accepting and never chase after the dreaded "MORDITA" like they do in bigger cities, ie; Mexico City," said one expat who made the move to Tequisquiapan.

"Tequis is wonderful. I came about 8 mo before the pandemic hit. We went through a bit of a stretch, but it is slowly coming back. Restaurants and tiendas are coming back. The town does get crowded on big holidays - Easter Holiday and Christmas. Normal weekends are 'busy' but doable. We locals just tend to stay home Friday thru Sunday. You do have to watch out for the teenagers on 4 wheelers! As far as diversity, it depends upon what you define as diversity. There is not a large LGBTQ population here. This is a VERY family oriented town. If that is what you are looking for, I suggest San Miguel. The statement about police not chasing for mordidas is true. I personally have had to get help 2 times. Just this past week, I was rear ended at a stop sign and they are just as nice and fair as can be. All have a smile and are caring! Tequis is no where near as congested as San Miguel - very tranquil lifestyle!!!," explained one expat living in Tequisquiapan, Mexico.

"The Mayans are very accepting of all cultures and people. Yucatecans are a very proud people, proud of being different from the rest of Mexico," mentioned one in Yucatan.

"Have a lot of money. It cost us $1800.00 usd to send my 2 girls to this school. This cost only covers the Tuition and Transportation. Then every other week they come home and need $20 for this assignment or $40 for the next assignment. I should of been a teacher there. I would make a lot more money than what I am currently doing," said one parent with children at Amercian School Foundation in Mexico City.

"That is such a personal question. I recommend that people housesit in the community they are thinking of retiring in so they can gauge costs, safety, reliability of utilities, etc," remarked one expat living in Lake Chapala, Mexico.

"I think that is a very personal question. You CAN find rental houses for about 5000 pesos per month, plus power and water, telephone and satellite. Then it depends on wether you eat the local fruits and vegetables or want something imported. Beer and alchohol are very reasonably priced, walking on the beach is free. I expect that for about 1000.00 US a person could live here comfortably. For 2000.00 you can live VERY well," wrote one member in Manzanillo.

"You can live in Puerto Penasco on as low as $400 per month, small apartment (not in the tourist area) and utilities and some food. Add more for going out to eat," mentioned an expat living in Puerto Penasco.

"Unfortunately due to major influx of Californians, New Yorkers and big oil Texans, Puerto Penasco aka Rocky Point is no longer a destination for moderate to lower income retiree. Its a sad fact. While many bloggers, RE professionals will disagree with my view, as a retiree with median range retirement income I have watched as cost of living for serviced based needs have gone up as much as 100%. In 2018 you could buy breakfast for two at a nice restaurant for near $18 USD. Now, the same place and breakfast for two ends up much closer to $38. Beach side margaritas used to be $5- $7 in 2018. Now $10 to $12 depending on the vendor. While there are a few spots remaining reasonable, its no longer cost effective for them to remain low priced because their competitor is raking in the Cali cash. Tours and seaside adventures have gone up as well. What used to be $80 for a day at sea is now $140 per person. Even panga banana boat operator's are charging more these days and its not due to gas. Upkeep of your house. It used to be usual to pay someone to work on little projects around your house (reapplying elastomeric) for about $200 including your balusters. Not no more. $400 and up. Rentals. Jesus! American developers renting out for 1200k monthly seems like alternate reality but it's not. Gone are the days of the reasonable, and sadly that also affects the locals. Yet, since Californians stating, "its so cheap," they are leaving the rest of us in a real pickle. So. Sorry to say. Good ole Rocky point, no longer for all of us," said an expat in Puerto Penasco.

"It is still quite reasonable to live in Playa del Carmen, but prices have increased for restaurants significantly over the past few years. We used to eat on 5th Ave all the time. But now we tend to eat off the main tourist drag because the price and overall value of the food is better found outside," remarked one expat in Playa Del Carmen.

"I have found that the cost of living in Playa is much lower than in the States. This makes living on a retiree income and budget very satisfying. Even stores outside of Wal-Mart have lower prices. And because of the currency exchange rate, I am paying less for my rent than when I first moved here," wrote one expat living in Playa del Carmen.

"The rents here are low for now. As more people discover the richness Merida offers, I know that they will increase, but for right now, you can get a very nice apartment or rental home for a fraction of what you'd pay in the USA. My advice is if you like it here, buy sooner rather than later (very carefully). Local food is very cheap and imports are what they are," commented one expat who moved to Merida.

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

"Anything related to the beach, snorkeling, golf, exploring cenotes (caves), dining out. The food is amazing and the options are endless," mentioned one expat inPlaya Del Carmen.

"It is hot, 95/100 is the norm for this time of year [June]. If you live in North Merida you can be in Progreso in 20 min. all highway, they have a full service marina there. Progreso is about 5 - 10 degrees cooler most days and seems like there is always wind from the water, we have breeze here too but when it is 115 heat index it doesn't help much. Mornings and evenings are beautiful though," wrote one expat living in Merida.

"The weather in Mexico is generally warm and sunny, with temperatures ranging from mild to hot depending on the season. In the summer months, temperatures can reach up to the mid-30s Celsius, while in the winter months they can drop to the mid-teens Celsius. Rainfall is common throughout the year, with the heaviest rainfall occurring in the summer months," commented one expat who moved to Mexico.

"I live farther north on the Sea of Cortez, San Carlos, Sonora. Right now [July] is 96deg and 63% humidity. It has not rained since December. I love it here where the desert meets the sea. You have to be tougher than most to put up with the heat and humidity in the summer. If you want to know temps just put the town in Accuweather and look for yourself. Like everywhere else in the world near the water is humid," said one expat.

"From what my friends in Mazatlan report, the summers there are hot and humid. Not as bad as PV but definitely uncomfortable. The central highlands have much more temperate climates year round, cheaper cost of living, and less touristy than the beach areas. I plan on arriving in Mazatlan in January, staying until the summer weather gets too rough for me, then heading to Morelia or Queretaro," commented one expat living in Mazatlan, Mexico.

"There is a fantastic web site called Weather Spark that allows you to investigate and compare climates throughout the year. You get graphs showing how the hi/lo temperature, how it feels throughout the day, the chance of clear skies, chance of precipitation, average rainfall, hours of daylight, chance of muggy conditions, and more. Be sure to scroll through all of the charts. Here is a link comparing Houston and Guadalajara; you can add and delete cities using controls at the top. ," remarked one expat living in Mexico.

"Bars, restaurants, clubs, live music, DJ's, street food vendors come out at night and lines form. We have sushi, burgers, seafood, oyster farms, hot dogs Sonora style (wrapped in bacon) menudo, birria, cabeza and lengua tacos, Sopas, so much yummy food," mentioned one expat inPuerto Penasco.

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

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

"Super mercado Leys grocery store in the center of the 5 de Diciembre neighborhood of Puerto Vallarta has most everything and more than many U.S. supermarkets. La Comer, a large gourmet grocery store, puts Whole Foods to shame. It has quality wines, liquor, all cuts of meat, vegetables, canned goods and specialty gourmet items," commented one expat who moved to Mexico.

"We have Super Ley, Ley Express, Bodega Aurrera (Walmart) Sam's Club, Local vegetable and meat markets, Oxxo convenience stores, and a local store that brings special U.S. food here for our convenience (salami, bacon, sausage, bagels, english muffins, diet sodas, cheeses, spices, pies, etc) and special orders," said one expat.

"People living in Mexico typically buy groceries and do other shopping at local markets, supermarkets, and department stores. Many people also shop at street vendors and small shops. Additionally, online shopping is becoming increasingly popular in Mexico," commented one expat living in Mexico.

"Live here with a temp visa FMM you get at the border when you cross, show your passport and cost is about $25. If you purchase property, same thing. Many people that rent, don't bother with getting a resident card, they stay under the radar. The foreigners like me, that work, must have one, either it's temp or perm resident card. In the old days you may have heard them called FM3 and FM2's," remarked one expat in Puerto Penasco.

"The process of applying for a visa in Mexico depends on the type of visa you require. Generally speaking, you will need to submit a visa application form, photographs, your passport, a valid return ticket, and the required visa fee to the Mexican consulate. Additionally, depending on the type of visa you are applying for, you may have to provide additional documentation such as a proof of address, a medical certificate, documentation of sufficient funds, employment records, and proof of relationship to a Mexican citizen. The process of applying for Mexico residency is slightly more involved and documented evidence will often be required from you. In most cases, an application will be required that contains your personal information, orientation for the request, and a copy of your passport. Additionally, you will need to submit evidence of sufficient financial resources, proof of accommodation in Mexico, a medical certificate, a criminal background check, and proof that you have been a resident of Mexico for at least two years. After submitting the application and the required documentation, you will be called for an interview and your documents will be verified. Finally, after being approved, you can collect your residency card," wrote one expat living in Mexico.

"The main thing to know is that you must start your residency request outside of Mexico, at a Mexican consulate. Then you have 30 days to present yourself to the Mexico immigrations. There are professional groups that will do all of this for you, for a fee, of course," commented one expat who moved to Merida.

"It has been over 3 years since we went through the process at the Seattle Consulate. They were very specific and they looked at our investment income with social security AND our savings accounts. We provided 2 years of statements downloaded from the brokerage house as well as deposits into our accounts from income. We knew that we would qualify for PR status so it was a breeze. There was no mention about notarization of downloaded documents but we were well organized and made it easier for them. I am unsure about future income from work since we were both retired, but I would think it will be more difficult to convince them that you will have ongoing income from work unless you provide a letter from HR or some other source that shows that you will continue to have income while residing in MX. The best method is to go fully prepared to show your financial qualifications absolutely meet or exceed their requirements," said one expat.

"Unfortunately, when I moved abroad I was hit by a taxi. I was taken to a public hospital. That experience was life changing... I had never seen the conditions that I saw there - bathrooms with no soap or tp - group recovery rooms - disorder. I immediately realized the importance of have PRIVATE health insurance, and went on a mission to find suitable insurance for my family. As we love to travel I found insurance that allows us to be covered ANYWHERE in the WORLD including the US - at a fraction of the price we were paying when living in the US. We can choose ANY HOSPITAL OR DOCTOR that we wish. The policy is in English, the office is located in Playa Del Carmen with courtesy translation service, and there is an in-claims department, finally they are partnered with an international law firm. I felt that was soooo important to myself and my expat friends, that I asked for a job selling this insurance. I have been retired for 15 years, but got into this business because it is something that I feel passionate about and know that all my expat friends need," commented one expat living in Playa Del Carmen, Mexico.

"Private healthcare is generally excellent and less expensive than the USA and Europe. Health insurance is available up to 70 years of age (renewable) but gets expensive with age. My daughter who is 30 pays about US $100/month and I pay US $450/month at age 68. The last increase in premium was 20%. This is with 10% co-seguro and a deductible of US$2500. I guess at some point it will be unaffordable," remarked one expat living in Mexico.

"I only have Medicare part A. It is pretty much useless stateside or elsewhere. For a time I purchase dental insurance but gave it up because it's cost was higher than the cost of the care I received," said one expat living in Tijuana.

"If you are planning on gettin a permanent recidency visa you could look into getting in the public insurance program, I think it is called IMSS, but they have a long list of pre existing conditions and some of those take years to expire, in other words if you do not have the conditions, but get it in a set amout of time, it will not be cover, you do have to pay a yearly fee but it would be cheaper than private. I think your best option would be to live close to the border and cover any minor issues out of pocket and cross to the US for anything major, there are medifvac insurance programs that you can look into," mentioned one expat inMerida.