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Retire in San Clemente, Ecuador | Expat Exchange
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Retire in San Clemente, Ecuador

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By Joshua Wood, LPC

Last updated on Apr 24, 2025

Summary: What is it like to retire in San Clemente, Ecuador? Retirees share their experiences living in San Clemente.

What is it like to retire in San Clemente?

"San Clemente is a tranquil coastal village that offers a peaceful and relaxed lifestyle for retirees. The town is known for its beautiful beaches, warm climate, and friendly locals, making it an ideal place for those looking to enjoy their retirement years in a serene environment. There is a growing expat community in San Clemente, with many retirees from the United States, Canada, and Europe choosing to settle here. The expats often organize social events and activities, providing a sense of community and camaraderie. They also offer support and advice to newcomers, making the transition to life in Ecuador easier. Cultural attractions in and around San Clemente include local markets, where you can buy fresh produce and handmade crafts, and historical sites such as the ancient ruins of the Manta civilization. The nearby city of Bahia de Caraquez also has a museum and art galleries that showcase Ecuadorian history and culture. Recreational activities in San Clemente are largely centered around the outdoors. The town's beautiful beaches are perfect for swimming, sunbathing, and fishing. There are also opportunities for hiking in the surrounding hills and forests, and bird watching is popular due to the area's rich biodiversity. Nightlife in San Clemente is relatively low-key, reflecting the town's laid-back atmosphere. There are a few bars and restaurants where you can enjoy a meal or a drink, often with live music. However, if you're looking for a more vibrant nightlife scene, the nearby cities of Manta and Bahia de Caraquez offer a wider range of options. Overall, life for a retiree in San Clemente, Ecuador is peaceful and relaxed, with a friendly community, plenty of outdoor activities, and a rich local culture to explore," said a person in San Clemente.

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What advice do overseas retirees have for others considering retiring abroad?

"Retirees in San Clemente advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from their home country. They suggest learning the local language, as it can greatly enhance the experience and make daily life easier. It's also recommended to visit the location multiple times before making a final decision, to get a feel for the culture, climate, and lifestyle. They advise future retirees to understand the healthcare system of the country they are moving to, as it may be different from what they are used to. They also suggest making connections with both locals and other expats, as this can provide a support system and help with integration. Lastly, they recommend being open-minded and adaptable, as living in a new country can present unexpected challenges and opportunities," remarked one retiree in San Clemente.

What are the most challenging aspects of retiring in San Clemente?

"One of the most challenging aspects of retiring in San Clemente is the language barrier, as Spanish is the primary language spoken and not everyone may speak English. Another challenge could be adjusting to the local culture and customs, which may be significantly different from what retirees are used to in their home countries. The healthcare system in Ecuador, while improving, may not be up to the standards that some retirees from developed countries are accustomed to. Access to certain goods and services may be limited or more expensive than in other countries, which could be a challenge for retirees. The infrastructure in Ecuador is also not as developed as in some other countries, which could make things like transportation and internet access more difficult. Finally, while Ecuador has a relatively low cost of living, retirees may find that their pension or savings do not stretch as far as they would like, particularly if they have significant healthcare needs or want to maintain a high standard of living," said one retiree in San Clemente.

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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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What are the most rewarding aspects of retiring in San Clemente?

"Retiring in San Clemente offers a relaxed and laid-back lifestyle, with a slower pace that many retirees find appealing. The cost of living is significantly lower than in many Western countries, allowing retirees to enjoy a comfortable lifestyle on a modest budget. The climate is warm and tropical year-round, making it ideal for those who enjoy outdoor activities. The local people are friendly and welcoming, and there is a strong sense of community. The country's natural beauty, from its beaches to its mountains, is breathtaking and offers plenty of opportunities for exploration. The local cuisine is delicious and diverse, with fresh seafood and tropical fruits readily available. There is also a growing expat community, providing opportunities for socializing and making new friends. The healthcare system in Ecuador is also quite good, with many doctors and hospitals that offer high-quality care at a fraction of the cost compared to the U.S. Lastly, the country's rich culture and history provide endless opportunities for learning and exploration," said a retiree who moved to San Clemente, Ecuador.

What are healthcare services like in San Clemente?

We asked retirees if they have access to good medical care in San Clemente. They wrote:

"San Clemente, is a small fishing village that offers basic healthcare services. The village has a local health center that provides primary care services, including general medicine, pediatrics, and obstetrics. The health center is staffed by doctors, nurses, and other healthcare professionals who are dedicated to providing quality care to the residents of San Clemente. However, for more specialized medical treatments, residents often have to travel to larger cities like Bahia de Caraquez or Portoviejo. The Ecuadorian government provides free healthcare to all citizens, but the quality of care can vary, especially in rural areas like San Clemente. Despite these challenges, the people of San Clemente have access to essential healthcare services," said one retiree in living in San Clemente, Ecuador.

How do I meet people in San Clemente?

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

"Expats in San Clemente often join local clubs and participate in community activities to meet new people and immerse themselves in the local culture. They may join language exchange clubs, where they can practice Spanish with locals and help them with English. They might also participate in cooking classes to learn about Ecuadorian cuisine, or join local sports clubs, such as soccer or surfing, to stay active and socialize. In addition to clubs and activities, expats often meet people through volunteering. Many local organizations and charities welcome the help of foreigners, and this can be a rewarding way to give back to the community and make new friends. Expats also meet people by attending local events and festivals. San Clemente has a vibrant cultural scene, with regular music performances, art exhibitions, and traditional celebrations. These events provide a great opportunity to mingle with locals and other expats. Another popular way for expats to meet people is through social media and online forums. There are several online communities for expats in Ecuador where people share advice, organize meetups, and offer support to each other. Finally, simply exploring the town and frequenting local businesses can lead to new friendships. Whether it's striking up a conversation at a local café, or getting to know the vendors at the local market, expats often find that the friendly and welcoming nature of the people in San Clemente makes it easy to meet new people," remarked one retiree in San Clemente.

What is life like in San Clemente?

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

"Life for expats and digital nomads in San Clemente is often described as relaxed and peaceful. The small fishing village offers a slower pace of life, with a strong sense of community and a welcoming atmosphere. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget further. The local cuisine is a highlight, with fresh seafood readily available. The weather is typically warm and sunny, perfect for those who enjoy outdoor activities. The beach is a popular spot for surfing, swimming, and sunbathing. Despite its small size, San Clemente has a good range of amenities, including grocery stores, restaurants, and medical facilities. However, it's worth noting that it's a rural area, so some expats may miss certain conveniences of city life. For digital nomads, the internet connection can be inconsistent, which may pose challenges for those who rely on it for work. Learning Spanish is also highly recommended, as English is not widely spoken. Overall, San Clemente offers a laid-back lifestyle, surrounded by natural beauty. It's ideal for those seeking a break from the hustle and bustle of city life, and who don't mind adapting to a different pace and way of life," explained one retiree living in San Clemente.

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!

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What do I need to know before retiring in San Clemente?

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

"San Clemente is a small fishing village located on the Pacific coast of Ecuador, known for its beautiful beaches and relaxed lifestyle. Before retiring there, expats should know that the cost of living is significantly lower than in many Western countries, making it an attractive option for retirees on a budget. The official language in Ecuador is Spanish, so it would be beneficial to learn the language or at least basic phrases to communicate with locals. However, English is also spoken in many areas frequented by tourists and expats. The healthcare system in Ecuador is generally good, with both public and private options available. Expats should consider getting a private health insurance plan to cover any potential medical needs. San Clemente has a tropical climate, with warm temperatures year-round. However, it can get quite humid, and there is a rainy season from December to April. The local cuisine is heavily based on seafood, given its coastal location. There are also plenty of fruits and vegetables available, and many expats enjoy the fresh, local produce. Public transportation in Ecuador is affordable and widely available, but it may not always be reliable or punctual. Many expats choose to buy a car for convenience, but this is not necessary if you live close to amenities. Ecuador uses the US dollar as its official currency, which can make financial transactions easier for American retirees. However, it's important to note that credit cards are not widely accepted in smaller towns and rural areas, so it's a good idea to always have some cash on hand. Ecuador has a relatively high crime rate compared to some other countries, but most crimes are petty thefts. Expats should take standard precautions to protect their personal safety and belongings. Finally, it's important to understand the visa and residency requirements before moving to Ecuador. The country offers several types of visas for retirees, and it's recommended to consult with an immigration lawyer to choose the best option for your situation," said one retiree in San Clemente.

Where will I buy groceries and do other shopping in San Clemente?

"Local people shop at the local mom and pop stores. Expats travel to Bahia de Caraquez 45 minutes away or to Portoviejo 45 minutes away. There are big modern grocery stores there that have just about everything one would be used to back home. The prices are not bad either. There is also a large weekly vegetable market in Charapoto 10 minutes away every Sunday. In addition, there are trucks loaded with fruits and veggies that drive around town just about every day," said one retiree in living in San Clemente, Ecuador.

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!
Learn More

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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