Relocating to Costa Rica has become a dream for many individuals seeking a better quality of life, a more exciting and diverse “backyard”, and a laid-back lifestyle. Known as one of the safest and least problematic countries in Central and South America, Costa Rica has a stable government, affordable healthcare, and a large community of expats.
Whether you're moving for retirement, work, or adventure, understanding the visa situation and process is key to a smooth transition. This quick article/guide will walk you through each step, from obtaining the correct visa and integrating into your new community.
Why Costa Rica?
Ranked as one of the happiest countries globally.
Home to over 70,000 expatriates.
It is an extremely diverse country, with volcanoes, Jungle and Beaches.
Getting the Necessary Visas and Permits
Costa Rica has a few visa options, so understanding which is right for you is the first step.
1. Types of Residency Options
Pensionado (Retiree): Requires proof of at least $1,000 monthly pension.
Rentista: Suitable if you don’t have a pension but have at least $2,500 monthly income or a $60,000 deposit in a Costa Rican bank.
Investor Visa: Requires a $150,000 investment in property or business.
Work Visa: Limited and usually tied to a specific employer.
Submit your application to Costa Rica's Dirección General de Migración y Extranjería.
Gather and get scan copies of documents: passport, proof of income, police records, and health insurance.
Hire a local lawyer or relocation specialist to make sure this process goes smoothly and safely.
Pro Tip: Start the application process early, as approval can take 6–12 months.
Finding a Place to Live
Finding the location and home for you is the most important for a comfortable life in Costa Rica. Housing options vary from city apartments to beachfront properties or Volcano villas.
San José (Central Valley): Ideal for those seeking city amenities.
Guanacaste, (Specifically the coast towns): Known for its beaches and resorts.
Arenal, (La Fortuna and lake properties): Perfect for nature lovers.
Southern Zone, (The coastal towns): Quiet and secluded areas like Uvita, Manuel Antonio or Dominical.
2. Renting vs. Buying
Renting: Affordable and flexible, with prices ranging from $500–$1,500/month depending on location. The benefit is that you can explore different locations without ties!
Buying: Foreigners can own property outright. Popular choices include gated communities and condos.
Setting Up Utilities and Services
1. Utilities
Electricity: Provided by the Costa Rican Electricity Institute (ICE).
Water: Reliable but varies by region; be prepared for occasional outages in rural areas. You will either have a well or ASADA/AYA water.
Internet and Cable: Fast and reliable in urban areas; providers include Kolbi, Telecable, and Claro.
2. Banking
Open a local bank account at Banco Nacional or BAC. Most require proof of residency/ a utility bill.
Understanding the Cost of Living
The cost of living in Costa Rica is higher than most people expect, it is actually the 2nd in terms of cost of living in Central and South America, although healthcare is much higher quality and cheaper!
1. Monthly Budget Overview
Expense | Estimated Cost (USD) |
Rent | $500–$1,500 |
Groceries | $300–$600 |
Healthcare | $75–$150 (CAJA) |
Transportation | $50–$200 |
2. Comparisons
Costa Rica’s cost of living is approximately 30% lower than in the U.S., though imported goods can be expensive, such as cheese.
Healthcare and Insurance Options
Costa Rica has a high-quality healthcare system ranked among the best in North and South America
1. Public Healthcare (CAJA)
Mandatory for residents.
Costs between 7–10% of your monthly income.
Access to clinics and hospitals nationwide.
2. Private Healthcare
International-standard facilities across the country, but many in the central valley.
Affordable for routine care and elective procedures.
Integrating into the Community
The people in your community will be the people you see most often, so it is important to get along with the them!
1. Learn the Language
Spanish is the official language. Taking lessons or practicing daily is helpful. Being able to communicate to people in shops, restaurants and services you want makes your life a lot easier.
Locals will also appreciate any effort to communicate in Spanish!
2. Community Involvement
Join expat groups on platforms like Facebook.
Volunteer and participate in community events.
FAQs
1. What visas are required for relocating to Costa Rica?
There are a few different types, Pensionado, Rentista, or Investor visas. Requirements include proof of income and clean criminal records. Most people fit in one of these three categories. There is also a Digital Nomad Visa.
2. How much does it cost to live in Costa Rica?
A modest lifestyle can cost $1,500–$2,500/month, including housing, food, and utilities.
3. What healthcare options are available for expatriates?
Public (CAJA) and private healthcare systems offer affordable and high-quality care, with access to modern facilities.
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