Creating a realistic and workable lifestyle plan

Mexperience offers comprehensive local knowledge to guide you through every stage of your relocation to Mexico, and continues to help after you make the move and settle-in to Mexico.  We also connect you to helpful contacts who can facilitate your plans.

This article outlines key factors to consider as you think about a move to Mexico—whether you’re moving alone, with your partner, or with your family.

The factors summarized in this article are an integral part of our continually-updated and free guide to Living & Lifestyles in Mexico.

Our guides, articles, and monthly newsletter are written by people who know Mexico intimately, are continually revised and updated—and are free to access.

Foundation work for your Mexico lifestyle planning

Some people move to Mexico on a whim (with varying results); however, when you look under the hood of the stories about people who have made a beneficial move to Mexico, they tend to be underpinned by the presence of a lifestyle plan.

When you’re considering a move to Mexico it makes sense to take a step back and:

• consider your approach to a lifestyle in Mexico;
• define your intentions and know what’s motivating you to move here;
• be mindful about where in Mexico to live, taking care to match your true needs with the locations you consider;
• consider the requirements for legal residency;
• plan to deal with essential matters related to settling-in and adapting to a new culture and lifestyle in Mexico: by yourself, or with your partner or family.

Free Guide: Guide to Living & Lifestyles in Mexico

Retirement planning in Mexico

If you plan to move to Mexico to retire (or to eventually retire here), you ought to consider matters related specifically to retirement planning and retirement lifestyles in Mexico.

Although retired people don’t carry the challenges and stresses of a working life —holding down a job, raising children, and keeping wolves from the door— retirement does bring other challenges.

Becoming informed by using practical guidance to help you make constructive plans, identifying and mitigating the risks associated with retirement abroad, and learning about key elements which often underpin a fruitful and abundant retirement lifestyle in Mexico can help you to make better choices.

Free Guide: Our Guide to Living & Lifestyles in Mexico contains sections specifically about planning and realizing a retirement in Mexico.

Discovering places to live in Mexico

The place where you decide to live is a personal choice; it’s also subjective, and important.

Where you choose to live in Mexico can make or break your lifestyle plans and aspirations, so taking time to pause and consider your needs in relation to a place is sensible and preferable to making an impulsive decision based on assumptions which are often conceived in haste and based on limited knowledge and experience of a location and its attributes.

Matching your needs with your location is one of the cornerstone choices you will make as you plan a move to Mexico, and Mexperience offers insights and local knowledge to help you make considered choices.

Free Guide: Our Guide to Living & Lifestyles in Mexico contains insights to help you consider your choices about location and accommodations when you relocate to Mexico.

Practical essentials for everyday living in Mexico

When you have committed to the move and find yourself in Mexico, you will face an entire raft of practical matters which are relevant to everyday living here, regardless of your life stage and other circumstances.

These include things like finding a property to rent or buy, adapting to local climates, keeping healthy and well, engaging with the language, keeping in touch, getting around using transport options, caring for your pets, as well as wide assortment of everyday practical matters like tipping and bargaining, and the water supply—to name a few.

Free Guide: Our extensive Guide to Real Estate in Mexico includes insights about buying, renting, selling, and managing your residential home in Mexico.

Taking this pathway to adaptation is necessary and, although at times it may be challenging and confusing to you, it will form an essential part of your overall experience and provide a foundation from which you will learn to cultivate a fruitful lifestyle here.

Free Guide: Our Guide to Living & Lifestyles in Mexico includes sections about settling-in to Mexico, adapting to your new environment and lifestyle, and finding balance and purpose.

When you’re settled, there are always day-to-day matters to contend with, that will form part of your new lifestyles and life experiences.   Mexperience offers ample insights to help you navigate these stages of change and transformation in your lifestyle.

Home Life: Regularly updated articles in our Mexico Home Life section offer tips and insights about day-to-day living here.

Home Stewardship: Articles and guides in our Home Stewardship section help you manage your house, home, and dwelling spaces in Mexico.

Connect to additional resources to help you plan and realize your relocation to Mexico

Knowledge, resources, and helpful contacts will play a defining role in your lifestyle planning and move to Mexico.  Mexperience helps you on your journey to discovering opportunities, making informed choices, and turning your lifestyle plans into reality.

• Our Mexico Lifestyle Planning section contains articles and guides to help you plan a new lifestyle, or consider how to reform an existing lifestyle here
• Discover Places to Live in Mexico helps you find and compare key locations across Mexico—from the most popular, to new emerging areas as well as places off the beaten track
• The Mexico Home Life section provides practical insights that help you to cultivate your lifestyle in Mexico every day
• Register for our free monthly newsletter about Mexico

Free Guide: Our Guide to Living & Lifestyles in Mexico is comprehensive and continually-updated.  It contains detailed knowledge and insights to help you consider your choices and form a plan based on your intentions and individual circumstances.

Obtaining assistance

Our associates provide helpful assistance services which provide key support for your Mexico lifestyle plans.  These include:

• Immigration assistance when you need help with your with your residency permits.
• Insurance services – mitigate the effects of unforeseen events with coverages for your vehicle, home, health and travel.
• Professional services – when you need counsel or advice about property, commercial or legal matters in Mexico.
• Spanish language study – obtain help when you want to learn or improve your Spanish.
• Leisure time – with Mexico on your doorstep, our travel associates can help you see more of it with carefully crafted custom tours that help you to make the most of your leisure time.

This article describes what a travel medical insurance plan is, and how you can use this type of insurance to obtain coverage when you’re in Mexico for shorter trips and extended stays not lasting more than 180 days.

What is a travel medical insurance plan?

Most trip protection insurance plans limit coverage to a maximum of 90 calendar days —three months— and if you stay over this, the insurance plan’s cover ceases to continue.

If you stay, or intend to stay, in Mexico for longer than three months, then an extended stay travel medical plan will cover you in Mexico for up to 180 days (6 months), and provide emergency medical expense coverage, including medically-warranted evacuation, during that time.

Our associate offers extended stay travel medical insurance plans to protect you from the costs of unexpected medical emergencies while you’re in Mexico.

What an extended stay travel medical plan covers

• Unexpected medical expenses while you’re on an extended stay in Mexico not exceeding 180 days.
• Emergency medical expense coverage in Mexico for physician’s fees, lab/x-rays, prescriptions, anesthetics, clinic/hospital costs up to US$100,000. Coverage for emergency dental expenses is also included up to US$750.
• Medically-warranted emergency evacuation to a hospital of your choice and covering up to US$500,000 of medical evacuation costs. Includes transporting a visitor from abroad to join you, and repatriation of minors.
• The plan extends coverage beyond Mexico to nearly all countries when you travel.
• If you unexpectedly pass away in Mexico, this insurance plans covers the cost of repatriation of your mortal remains.
• This plan does not cover prepaid trip costs (flights, hotels, cruises, tours & excursions, etc.) that you would typically find in a single-trip comprehensive protection plan.
• Premiums are based on the number of days you intend to stay in Mexico (maximum 180 days).
• Coverage limitations apply—terms are clearly provided by our associate, TME Insurance, when you get a no-obligation quote.

Is travel medical insurance plan right for me?

This plan is ideal for those who visit Mexico for extended stays up to 180 days and primarily seek protection from unexpected medical emergencies, with medically-warranted evacuation, and without seeking coverage for trip interruptions and other non-medical benefits that single-trip insurance typically offers.

If you take single trips or short visits to Mexico that will not last more than 90 days (three months), consider opting for short-term visit coverage options which offer emergency medical expense coverages in Mexico, trip-protection if your voyage is cancelled or interrupted in some ways, as well as medically-warranted evacuation to the nearest suitable facility.

If you live or stay in Mexico for over 180 consecutive days and have a medical plan that covers you in your home country, a Medical Evacuation plan for longer-term stays might suit your situation.

Many of the these documents (whether on paper, digital, or on a website) are straightforward to deal with; but some that arrive might be confusing, especially if you don’t know much Spanish and a translation or AI scan still doesn’t give you clarity about what the document is telling you, asking for or demanding.

Document interpretation service

If you receive a document(s) in Mexico that you’re struggling to understand and respond to, our associate offers human assistance with document interpretation.

Whether you have received a physical document or email in Spanish, been given information online that is difficult to understand our associate helps by providing a clear explanation of the information to help you interpret it.

This service is designed for foreign residents or visitors in Mexico who would like personalized assistance understanding information, researching a topic cited in the document to obtain clear explanations in English about what the document is about and what it’s asking for so that you can make an informed response.

Example of situations our associate can assist with

Our associate will be pleased to receive your request and assess your situation when you have a document(s) in Spanish that you need assistance in understanding. Most typically these include:

• Understanding emails, physical letters, or other messages written/published in Spanish.
• Interpreting information found on or delivered on website portals.
• Translation and human interpretation of short texts and everyday communications delivered in Spanish. (If you need a certified translation read this.)
• Human review of forms, documents, instructions, and procedures, and clear interpretation offered for these

How the service works

To keep the service simple and focused our associate offers this personalized human assistance service using email.  They do not provide support by telephone, video meetings, or text-messaging support.

• Complete the request form below.
• You will receive an email introducing you to our associate, and providing you with their email address to which you can send the documents and other relevant information.
• Our associate will review your request, offer you a no-obligation quote, and if you decide to proceed, they will bill you directly.
• Typically, our associate quotes US$20-US$50 per request, depending on the situation and complexity.
• If you decide to proceed, our associate will interpret your document(s) and provide a written response by email.

Make a service request

Complete the request form below and our associate will contact you directly.

What happens next?

• After you complete the request form below, you’ll receive an email introducing you to our associate, and that provides you with an email address to which you can send the documents and other relevant information.
• Our associate will review your situation and offer a no-obligation quote for the service. (Typically between US$20 and US$50 per request.)
• When you’ve paid, they’ll begin work to interpret your document(s) and provide a written response by email.
• Mexperience will send you an email to confirm these details.

Some house rentals include the cost of some (or all) utilities in the monthly rent, but most long term rentals don’t include utility costs and require you to pay for most or all utilities separately.

This article summarizes the principal utility costs in Mexico with references to sites that show current rates and prices for utilities and communication services.

Electricity costs in Mexico

Electricity bills in Mexico are dispatched every two months. The electric company is very efficient at sending out technicians to cut your supply off if you are late with payment. If you have a new-style electronic meter, your service can be cut off remotely, without the need for a technician to visit the property.

Current prices: You can find the current rates from this page on the CFE’s web site (Spanish).  Choose the “Domesticas – 1” option for residential electricity prices.

Domestic gas costs in Mexico

Some properties in larger towns or cities can be supplied with gas from a main-feed network in the area that distributes natural gas directly to homes.  However, most residential homes in Mexico use liquefied petroleum gas—a mixture of propane and butane and called Gas LP.

LP gas can be delivered in portable tanks, which are replaced when empty, or pumped from a large tank on a truck into a smaller stationary tank located on a roof, or at some other safe outdoor location on the property.

Current prices: You can find gas prices by region on this official website.  The form asks for your state, city, and municipality. When you submit the form, you’ll be presented with two tables: one for the price of gas per liter—for stationary tanks and mains-fed gas; the second with price of gas per kilo. Portable tanks come in various sizes; the most common is the 30kg tank that equates to about 55 liters of LP gas.

The cost of water in Mexico

How you pay for your home’s water supply will depend on how the water is delivered to the property.  Water in Mexico is delivered via mains-feed, or a communally run feed from local water springs, or a combination of rain collection and local water delivery by truck.

You’ll also need to consider water for drinking—most people use filters to purify the water that comes to their home before drinking it or buy pre-filtered water in 20-liter bottles. See the references below for details about this.

Current prices: Prices for mains-fed water vary by region, city and even neighborhood. Communally run systems usually charge an annual fee.  Water trucks charge per delivery, usually 5,000 or 10,000 liters, and prices vary by location and by season.  For an average residential home you ought to budget for around $500 pesos per month if your water is mains-fed; $500-to-$1000 pesos a month for communal systems; and around $800-$1000 pesos per 10,000 liters of water taken to your home via water delivery truck.

Pay TV and Streaming services in Mexico

If you’re a sports fan, or seeking to access other premium content in Mexico, you’ll need to subscribe to a Pay TV or Streaming service.

• The table below displays a summary of the principal service providers.
• Some providers offer internet access as well as Pay TV packages.
• You can browse latest prices and offers by visiting the providers’ websites—tap/click the name.

Telephone, internet, and mobile phone services

Mexico offers a choice of communication service providers offering fixed line, mobile, mobile data, and satellite communications services.

Fixed line communications

Fixed-line telephone and cable services are widely available across towns and cities in Mexico, although some rural areas may rely on mobile communications only. Monthly fixed-line monthly package fees include all telephone calls across Mexico and to most (but not all) countries around the world—as well as unlimited high-speed internet.

Packages and prices: Package prices start at around $400 pesos a month but can rise to $1,000 pesos a month or more if you want higher internet speeds, and/or more channels in the case of Cable TV services.

Mobile phones

Mexico has an extensively developed mobile phone network and several mobile phone companies competing for customers.  You can choose a monthly contract, that usually includes the cost of a phone, or you can choose a ‘pre-pay’ phone plan that you top up each month, without being tied to a contract.

Packages and prices: Mobile phone packages include a monthly data allowance, and all telephone calls across Mexico, the US and Canada.  Package offers vary: monthly contracts start at around $200 pesos a month, and ‘pre-pay’ top-ups packages range from $50 pesos to $500 pesos.  See the references below for mobile phone companies, connect to their websites and find the latest offers there.

Mobile phone data

You can purchase a special modem and get high speed internet in your home from the mobile data network.

Internet by satellite

If you live in a remote area, or area not served by high speed internet, or you want a backup to your fixed line service, you can get satellite by internet in Mexico, including from Starlink.

Directory of communications companies

These are the principal communication companies in Mexico:

• Telmex (Fixed line internet and phone)
• IZZI (Fixed line internet and phone)
• AT&T (Fixed line and mobile/data services)
• Telcel (Mobile, mobile data)
• Movistar (Mobile, mobile data)
• Virgin Mobile (Mobile, operates using Movistar network)
• Starlink (Satellite)
• HughesNet (Satellite)
• ViaSat (Satellite)

Postal services and couriers

Although the digital age has removed the need for lots of paper envelopes to be sent around the world, there is still a need for paperwork sometimes, and online shopping has made parcel delivery the backbone of the new postal service.

Mexico’s postal service

Despite the ‘bad press’ it receives, Mexico’s postal service is not as poor as many people make it out to be, but it is slow. It is fair to say that the service is more reliable in larger towns and cities than in provincial towns and villages, and it can take weeks for a letter to arrive at its destination, but the post does tend make it to its destination eventually, even to the smaller towns and villages.  To send documents and parcels reliably and in timely fashion, must use a courier service—see next section.

Courier and postal delivery services

If you need to send anything physically by post which is time sensitive and/or valuable, you must use one of the courier services available in Mexico as the national postal service cannot be relied upon in these circumstances.

If you order anything from one of the major online shopping portals, they will use a private courier service with trace-able deliveries to send the item(s) to your home.

Couriers offers competitive rates (although shipping rates worldwide have risen significantly), with modern booking and tracking systems that enable you to purchase your delivery service online, have someone pick it up (or you can take it to a local collection agency) and then track its progress online right through to its final destination.

Principal courier companies in Mexico

The major couriers operating in Mexico are:

• DHL Mexico;
• UPS Mexico;
• FedEx Mexico;
• Estafeta (Mexico’s leading national courier service);
• MexPost (this is the courier division of the national postal service).

Learn about living costs in Mexico

Mexperience publishes a series of articles about living costs to help you consider your choices, research prices, and create a budget that’s based on your personal lifestyle situation.

• How to calculate your living costs in Mexico
• The typical costs of running an automobile in Mexico
• Directory of stores, supermarkets and services in Mexico
• Read the latest articles about living costs in Mexico

Two calculations are required

There are two calculations you will need to make to determine the financial means you will need to have at your disposal to retire in Mexico:

• the first calculation is related to the financial requirements to qualify for a residency permit in Mexico, and
• the second calculation is related to your real living costs in Mexico that will be determined according to your individual circumstances, personal choices, and lifestyle plans.

Income or savings/investments required to obtain a residency permit

The financial requirements to qualify for a residency permit have risen in recent years.

Monthly income —v— savings/investments to qualify

Unless you intend to lead a ‘high octane’ lifestyle, the monthly income required to qualify for residency in Mexico is considerably higher than the typical costs of living in Mexico.

A corollary of this is that some people who want to retire in Mexico don’t have sufficient monthly income to qualify but do have sufficient income to live here.

If your pension income doesn’t meet the current income requirements, you can instead qualify based your savings/investments—and many people who have been saving throughout their lives will have sufficient savings and investments to qualify, even if their monthly income does not meet the minimum threshold.

The links in the box below contain detailed information to guide you about this. The include information about the current amounts of income or savings/investments you need to demonstrate to qualify for residency under the auspice of ‘economic solvency’ as well as other routes to residency besides ‘economic solvency.’

Income required to sustain your retirement in Mexico

The second calculation you’ll need to make concerns working out your real living costs in Mexico, and these will be determined by your individual circumstances, your intentions, and your lifestyle choices.

The question: “How much does it cost to live in Mexico?” has no specific answer because the amount of money you need to live and sustain yourself here will depend on an assortment of factors, the most common of which include:

• where in Mexico you choose to live: the most popular places also tend to be the most expensive to live in—from rents and house prices to everyday living expenses;
• whether you will rent or buy a home in Mexico;
• whether you have homeowner association fees to pay in addition to other expenses;
• the state of your general health and well-being: healthcare insurance premiums are higher for those with previous ailments, and while medications are less expensive in Mexico, they are still a cost and might have to be paid out of pocket;
• whether you’ll have a car or other vehicle(s) in Mexico to run and service;
• how often you travel, including trips back to your home country;
• what lifestyle choices you make including things like how and where you shop, how often you eat out, how much alcohol you consume (alcohol prices have been rising steadily in recent years), how much you spend on non-essentials, how much you spend on healthcare matters and medications, etc.;
• how much home help and other domestic assistance services you want or need: for example, whether you hire a housekeeper (and how often), a gardener, someone to maintain your swimming pool, if you have one, and other home services, e.g., nurses, or in-home care givers;
• how often you intend to travel within Mexico as well as how often you travel back-and-forth between Mexico and your home country.

Our guide to the cost of living in Mexico is a comprehensive resource that explores real living costs in Mexico and helps you to step back, make an assessment of your situation, and formulate a budget based on your individual circumstances.

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.

• Comprehensive guide to living and lifestyles in Mexico
• Articles about lifestyle planning in Mexico
• Articles about living costs in Mexico
• Learn about obtaining residency in Mexico
• Latest articles about retirement in Mexico
• Is Mexico right for your retirement?
• Benefits Mexico offers to retirees
• Discovering potential places to live in Mexico
• A regular Mexico Newsletter you can subscribe to for free

Place is personal, subjective, and important—and as you consider places to live in Mexico, Mexperience helps you to consider your choices and shortlist locations that may suit your lifestyle needs.

Discover locations to live, work or retire in Mexico

To help you discover and explore potential places to live here, Mexperience publishes a curated list of locations to consider for living, working or retirement in Mexico—organized by popularity and notoriety and classified by the location type.

Our articles introduce you to key places where many foreign residents live now, emerging locations that are becoming increasingly popular with foreign residents, as well as those places that are less well known, or situated off-the-beaten path. We also publish a selection of detailed guides of places to live in Mexico:

Detailed living guides

For detailed guides to selected places to live and work or retire, connect to our section with Guides to Living Places in Mexico

This article describes the typical costs you need to take into account when you intend to own and run your own private vehicle in Mexico.

Bring you own car, import one, or buy locally?

Foreign residents moving to Mexico from the US or Canada might bring their car with them when they move—but there are rules and restrictions about doing this.

If you bring your foreign-plated vehicle with you to Mexico, you will need to pay for a Temporary Import Permit (TIP)—and note that you can only keep a foreign plated car in Mexico while you are a visitor or temporary resident.  Permanent foreign residents cannot drive a foreign plated car in Mexico except inside one of the of designated ‘Free zones’ near the northern and southern border areas—see this article for details.

If your siltation doesn’t allow you to import a car temporarily to Mexico under the current rules, then you could consider importing your vehicle and getting Mexican license plates for it.  You need to contact a customs agent to do this: the process is complex, carries costs and import duties, and not all vehicles can be imported.

The alternative to importing your own car (temporarily or through a permanent import procedure) is to buy a car locally.  If you do this, we recommend you purchase the vehicle from an established dealer or agency, or from someone you know personally (or a direct personal referral).  If you buy a car locally and use financing, be sure to understand the terms and cost of the car loan.

Car taxes in Mexico

Mexican vehicles must be licensed according to their intended use.  Vehicles for private use need to have current plates, and some Mexican states also charge a Tenencia tax.

All Mexican-plated cars must pay the “Derechos” (license plate) tax. Plate fees and plate-update schedules vary by state—check locally for details.  A plate change typically costs between MXN$2,500 and MXN$5,000 pesos but this plate change doesn’t happen annually.

Some Mexican states also charge an annual Tenencia car tax, that’s based on a percentage of the vehicle’s original purchase price with:

• A minimum value threshold for the vehicle (less expensive vehicles may be exempt); and
• relief for depreciation; so
• If your vehicle is over the threshold, you pay the tax on the current market value (sometimes referred to as the ‘blue book value’ ) of the car.
• This site publishes an article with details of the ‘tenencia’ tax by Mexican state.

Emissions verification testing

Your vehicle will need to undergo regular emissions testing if it’s over a certain age.  Learn more about the emissions tests and vehicle restrictions in and around Mexico City.

The price of gasoline and diesel

Since November 2017, the Mexican gasoline market has been deregulated and individual stations can now charge whatever they want for fuel (competing with other local stations).  Prior to this, the price of gasoline was set each month by the government.

Buying gasoline and using service stations in Mexico (includes a link to current gasoline prices)

Vehicle servicing costs

If you’re living in Mexico full time and don’t return to your home country for regular maintenance, you’ll need to find service options in Mexico to keep your car in good mechanical shape.

Some people will always take their car to a branded dealership; others will look for small independent mechanics to keep their car mechanically maintained.

Branded dealership servicing

Getting your car tuned-up at a branded dealership (“Agencia”) will cost more than getting the work undertaken at a local independently owned repair shop. If your car is new or not too old, it’s sensible to pay the extra costs and get the car serviced at the dealership where the work and parts will be guaranteed for a certain period—and having an agency service record might help to improve the value or at least the marketability of the vehicle if you sell it.

Using a local independent workshop

If you’re driving an older vehicle, choosing the local workshop servicing option will save you money.  The quality of service varies and warranties from independent worships might or might not be honored.  If you use a local workshop, we recommend you ask people you know and trust locally to get a referral from someone you know.  We don’t recommend you take your car for servicing at a local independent service station you don’t know.

The cost of servicing your vehicle in Mexico

Annual car servicing costs will vary depending on your car type and model, its age, the mileage you have accrued, and any special attention it might need, e.g. new brake shoes, new suspension, etc.

As a rule of thumb, a mid-sized car that is one of the popular brands, of an average age, will cost between MXN$10,000 and MXN$15,000 pesos a year to keep regularly serviced at an authorized dealer.  The most popular brands in Mexico are Volkswagen, Nissan, Mazda, Kia, Toyota, and Ford.

If you car is more luxurious, for example, Audi, BMW, Mercedes-Benz, you can expect to pay more as the service and parts for these vehicle brands is more expensive.

Ask around for quotes locally and if you use an authorized dealer, ask around at two or three agencies in the area as they are all independently run franchises and might quote different rates for the same service plan, or some agencies might have special deals on servicing.

Insurance for foreign-plated cars

If you bring a foreign plated car to Mexico, you’ll need to get it adequately insured as your home-country policy will not cover you for third party liability.

Auto insurance that covers third party liability is compulsory in Mexico, but this does not mean that everyone drives around insured.

Driving uninsured is a significant risk in Mexico as, in the event of an accident where someone is injured or killed, the police will get involved and arrest everyone until blame and damages have been apportioned: insurance is crucial in this situation.

Insurance for Mexican-plated vehicles

Insurance costs for Mexican-plated cars vary widely depending on the vehicle, its age, the location where it’s kept, and the drivers who will use it.  You can purchase auto insurance for Mexican-plated vehicles from your bank, a local insurance broker, and a plethora of online portals.

Miscellaneous costs of running a car in Mexico

In addition to obligatory taxes, insurance, fuel, and regular maintenance, you will also need to budget for:

Toll road fees

If you travel intercity, you can choose to use the free federal highways or the tolled autopistas. For speed and safety most drivers choose to take the tolled roads.  In Mexico City there is also an option to use an elevated tolled beltway around the capital.  See this article for more details.  Toll road fees have been rising steadily in recent years and can add significant costs to long distance (or frequent) journeys.

Car parking fees

There is often free parking available somewhere, but many drivers prefer to park in a monitored car park, for the convenience of being close to where they are going, and also for security.

Many supermarkets and shopping malls charge for parking, some offer the first hour free (or discounted) with a purchase at the store.  Fees per hour vary between US$10 and $50 pesos or more.  Some parking lots offer a fixed price for an unlimited time during that day, from your arrival until their advertised closing time.

If you live in an urban area with on-street parking only, you might see local car parking garages advertising a “pension“—in this context, the word in Mexican Spanish describes secure overnight parking. Fees for these vary depending on the city and neighborhood. Fees tend to range from MXN$1,500 – MXN$2,500 per month.  Check locally for details.

Car wash fees

There are lots of dedicated car wash centers in towns and cities across Mexico.  Fees vary depending the size of your vehicle and the “package” you choose—these vary from a basic wash to a full interior and exterior valet including polish and wax.  Package fees tend to range between MX$100 pesos for a basic wash and clean and MXN$1,000 or more pesos if you have a large SUV and want the full works inside and out.

Sometimes people watching over car parks will offer to wash the outside of your car while you are away shopping or eating at the store or restaurant.  They usually charge around MX$50-$100 depending on the size of your vehicle.

Parking and speeding fines

Mexico City and other bigger cities are installing speed cameras and new parking meters with aggressive enforcement of speed limits and parking time limits.  If you get caught out, you’ll need to settle fines before you can get your vehicle (re)tested for emissions, and re-plated, etc. On-street parking meter enforcers use a physical clamp to immobilize your car and don’t remove it until you pay the fine.

Learn about living costs in Mexico

Mexperience publishes a series of articles about living costs to help you consider your choices, research prices, and create a budget that’s based on your personal lifestyle situation.

• How to calculate your living costs in Mexico
• Cost of utilities and communications in Mexico
• Directory of stores, supermarkets and services in Mexico
• Read the latest articles about driving in Mexico

The precise answer to the question of how much it will cost you to live in Mexico varies widely and depends upon a range of factors including:

• your life stage;
• where in Mexico you choose to live
• the lifestyle choices you make as an individual, couple, or family;
• as well as other things like how you organize your routine life situations; and
• how you go about acquiring the things you need or want to buy.

This article provides a summary of the most common expenses foreign residents tend to face while they’re in Mexico.  Some, like residency permit fees, are universal whereas others like school fees are relevant only to families with school-age children.

The influence of your life stage and lifestyle choices

Your cost of living in Mexico will be determined in large part by your life stage, and your lifestyle choices—that also include where in Mexico you choose to live, and your tastes and shopping habits.

If you’re moving to Mexico with a young family, you’ll have different priorities and expenses to a couple moving here to retire.  If you’re on your own, or here with your partner and no children, your expenses will be different to those of a growing family or a retired couple.

Moving abroad offers an opportunity to reconsider your lifestyle choices, routines, habits, and the ways in which you live day-to-day. Moving abroad often requires us to ‘clear the decks’ in the place where we used to live, and this clearing can encourage us to consider different choices that are available, instead of just replicating the way we lived before.

When you come to Mexico to live (or if you’re living here already and wondering if you need to reorganize some aspects of your life situation) you’ll discover that there are many ways to form a lifestyle in Mexico, from the opulent and extravagant, to ways which are simple and humble, and options in-between these.

Residency permits fees

If you’re living in Mexico (or intend to live in Mexico) under the auspice of a Temporary Residency permit, you will have application fees and annual renewal fees to pay.  Learn more about the current cost of residency permits in Mexico.

If you qualify and apply for permanent residency right away, you won’t have renewal fees to pay, but you still need to budget for the initial application costs.

The value of Mexico’s peso

If you rely on a foreign income (or a foreign pension) to support you in Mexico, your local purchasing power will be influenced by regular fluctuations in the foreign currency markets.

Foreign currency markets are in constant flux, and can be volatile at times.  The exchange rate quoted on news reports, currency apps, and internet sites is invariably the ‘mid-market wholesale exchange rate’ which is not available to most people, and you’re likely to get rates which are between 2% and 5% less favorable to you than this when you buy or sell Mexican pesos.

When you’re forming your budget, don’t forget to include any transaction fees you may have to incur to access pesos in Mexico: for example, ATM fees, bank wire fees, and the exchange rate ‘spread’ (the difference between the buy and sell rates) and any other bank charges for dealing foreign currencies.

Larger money transfers, such as moving a block of money from your home country’s bank to a Mexican bank account or moving many thousands of dollars to Mexico to pay for a home purchase may fetch a better exchange rate than smaller transactions.

If you are planning to transfer a block of money from your home country to Mexico, consider comparing your bank’s offered rates and charges with specialist transfer services rates like Wise.com (formerly Transferwise) and XE.com.

The location you choose to live in

Your living costs in Mexico will be partly determined by the location you choose to live in.

Popular locations

Locations in Mexico that are popular with foreign residents usually feature higher house prices and the cost of renting in these places is higher than average, too.  In these places, house prices and rents do not tend to align with local purchasing power, at least in the neighborhoods usually sought by foreign residents. The price of groceries and other services may be higher, too.

Emerging popularity

Places in Mexico that are emerging in popularity with foreign residents are passing through a twilight period, where prices of accommodation are rising but local markets and local prices, including prices for grocery and other essential service, tend to be better aligned with local purchasing power.

Places mostly ‘off the radar’

Locations across Mexico that remain ‘off the beaten path’ for most foreign residents continue to offer the ‘best value’ in terms of house prices,  property rental costs as well as daily living costs. Keep in mind that moving to places which are underexplored will require more effort especially in terms of being able to converse fluently in Spanish and adapting to local culture and community traditions.

Scouting and choosing your accommodations

There is plenty of choice of accommodations across Mexico, for buyers and renters.  Some people come to Mexico and buy a house right away although we recommend that you rent first unless you are already familiar with the area where you intend to buy and live.

Property rentals

When you’re seeking property rentals in Mexico, you’ll find there is something for every budget, from rustic old casitas which may have limited services and suit someone who wants to get away from ‘the grid’ —perhaps as part of a writing, reading, painting, or meditation sojourn— to mansion houses offering every conceivable luxury—and everything in-between.

Rents in Mexico have been rising in recent years, especially in popular neighborhoods of Mexico City and areas frequented by foreign residents. The days when rents were a ‘bargain’ in Mexico appear to have passed, with property owners demanding higher rents and tenants willing to pay a premium to live in certain areas and/or in newer, better appointed and maintained properties.

Property purchase

Mexico’s real estate markets, whether you are looking in the big cities, colonial cities, or beach locations, are highly localized and accurate data regarding prices and historical trends is not easy to come by.

The best way to gauge property values is to undertake some initial research online and be situated locally so that you can talk to people and get a feel for the current market.

Online research using the country’s top property portals (see reference below) is also an effective way to gauge prices.  By undertaking research in person locally, you’ll discover:

• how sellers are valuing their properties;
• what prices sellers are asking for different property types;
• what the people are saying about the property market locally, and what neighborhoods are attractive or emerging as attractive; and
• you might also discover what recent buyers have paid for their home purchase; most transactions close at between 10% and 15% less than advertised asking prices.

Your tastes and shopping habits

Your tastes in food and drinks, shopping habits, how often you eat out and spend on entertainment, and your preferences for durable goods, technology and homewares are key determining factors in your living costs in Mexico.

Food staples, fresh fruit and vegetables, and other daily sundries tend to be less expensive in Mexico than they are in the US, Canada, and Europe.  However, certain types of food (especially those termed ‘gourmet’ and imported food) can be as expensive or even more expensive in Mexico.  Wines and spirits have been increasing in price considerably in recent years—including Mexican-produced wines and spirits.

Durable goods, homewares, and technology —particularly computers and smartphones— vary in price by brand and quality, although generally prices for these can be as much as, or 10%-20% more than, the same item purchased in the US.

If you shop locally at tienditas and markets, you’ll access local market prices, but the range of items on offer will be more limited.  For a wider assortment and range of options, especially imported goods, you’ll need to shop at the larger supermarkets and department stores, or one of the fancy retailers—where prices are higher.

Groceries

Mexico offers ample choice when it comes to buying food and groceries: from open-air markets and fresh food stalls, local convenience stores, and a range of supermarket brands—from the economic to the fancy. Most foreign residents living in Mexico shop at an assortment of grocery stores to buy the things they need and want for their pantry each week.

Dining out in Mexico

How often you dine out will affect your living costs as eating out in Mexico is relatively more expensive than preparing your meals at home using fresh, locally sourced ingredients.  Local fondas can make dining out inexpensive by comparison to eating at restaurants, although even costs for these ‘cocinas economicas’ add up over time.

Clothes, furnishing, and homeware

Most foreign residents living in Mexico will go to one of the country’s big department stores or shopping malls to buy clothes, furnishing and homewares.

Online purchase options are also available: the most popular sites are Amazon Mexico and Mercado Libre.

You can browse stores and online catalogs using the references in our directory of department stores to get a feel for prices of the things you want or will need to buy in Mexico—see the link below.

Your transport choices

How you get around Mexico, and how often you travel outside of Mexico (or between Mexico and your home country if you live here part time) will also have an impact on your living costs.

Getting around locally

Local public transport is plentiful in Mexico, with local minivans, buses, and taxis offering affordable and convenient ways to get around locally if you don’t own a car or want to leave your car at your house in Mexico for certain trips.

Intercity buses

Intercity buses are frequent, affordable, and the “executive class” lines offer top-line comfort on a bus journey.  When the price of toll-road fees and gasoline are taking into account, intercity buses are often the least expensive alternative, especially if there are only one or two people traveling in a car.  Mexico doesn’t have national passenger rail network.

Driving your own car

Running your own car in Mexico gives you flexibility that no other mode of transport offers, but it’s also the most expensive. In addition to the vehicle’s purchase price, car running costs include regular maintenance, cleaning, and repairs, insurance, vehicle fuel, vehicle emissions testing fees, parking fees, and toll road charges.  Finance costs also ought to be considered if you take out a loan to buy the vehicle. Some people live well in Mexico without a car—whether it’s feasible for you depends on your life stage and lifestyle.

Insurance for your lifestyle and activities

When you move to Mexico, part of your budget planning ought to include insurances that will provide coverages for your key activities, assets, and health.  A range of Mexico-related insurance services exist that can mitigate the effect and expense of unforeseen events and mishaps when you’re here.

School fees

If you have children of school age and you intend to send them to a privately-run school in Mexico, then you will need to account for annual school fees. In addition to the monthly fees, you’ll need to budget for annual inscription fees, books and materials, school trips, and other special activities and events.  You’ll also need to consider funding transport options as some, but not all, schools operate bus rounds for their students.

Banking fees

If you have a bank account in Mexico, note that you will have some bank fees to consider.  Fees vary by bank and account type.  You can find extensive information about banks and managing your finances in Mexico here on Mexperience.

Leisure services

If you intend to join a gym, go regularly to the movies, and seek other forms of entertainment, for example theatre, concerts, sports games, etc., then you ought to take these costs into account as you compile your annual budget. See the directory of services to connect to sports stores and gym sites and find their current prices.

Visiting your home country

Some foreign residents only live in Mexico for part of the year, and most foreign residents will travel back to their home country to see family and friends on a (semi)regular basis.  If you’re living in Mexico part-time, or intend to travel back to your home country on a regular basis, then you need to budget for additional travel costs each year, whether that’s airfares or road transport costs—including gasoline and toll road charges.

Property maintenance and security

When you own property in Mexico, you’ll need to factor in property maintenance costs to your annual budget.  Even if you rent in Mexico, you usually need to pay for sundry maintenance that does not constitute ‘structural’ maintenance—e.g., a roof leak.  Sundry maintenance expenses for renters can include, for example, annual water heater maintenance and replacing old and worn-out fittings.

Learn about living costs in Mexico

Mexperience publishes a series of articles about living costs to help you consider your choices, research prices, and create a budget that’s based on your personal lifestyle situation.

• Cost of utilities and communications in Mexico
• Typical costs of running an automobile in Mexico
• Directory of stores, supermarkets and services in Mexico
• Read the latest articles about living costs in Mexico

This article presents regularly updated directory of all the major stores, supermarkets, and service providers in Mexico with links to their websites. Most stores publish online catalogs and pricing so that you can gauge the cost of products and services.

Most sites listed are presented in Spanish. You can use Google to translate web pages online if you need to: visit Google Translate for details about how to do this.  (If your Spanish is a bit rusty, consider learning or improving your Spanish!)

Supermarkets in Mexico

Mexico is well-served by a range of US-style supermarkets and hypermarkets.  All of them have websites and most offer home-delivery options as well.

• Walmart Mexico
• Superama
• Soriana
• La Comer / Fresko / MEGA
• City Market (Fancy goods/imports)
• HEB Mexico
• La Europea (Fancy goods/imports)
• Chedraui
• Costco (Membership store)
• Sam’s Club Mexico (Membership store)
• Tiendas 3B (Budget store)
• Bodega Aurera (Budget store)

Department stores in Mexico

US-style department stores are situated in Mexico’s larger towns and cities, usually at larger shopping centers and major shopping malls.

• Liverpool
• El Palacio de Hierro
• Sears
• Suburbia
• Sanborns

Home and furniture stores

These are the principal specialist home and furniture stores in Mexico.  Larger towns and cities also have local or regional (often family-owned) stores selling furniture goods.  Check locally for details.

• Elektra
• Viana
• Coppel
• Hermanos Vazquez
• Costco (Membership store)
• The Home Store
• Pottery Barn
• Williams Sonoma
• Home Depot

Pharmacies in Mexico

Mexico has pharmacies everywhere; even in the small towns.  The ones listed below are the principal national chains; local independent pharmacies are also present, especially in smaller towns and villages.  Most offer home delivery: check online, or telephone your nearest branch.

• Farmacias Similares (Generic non-brand medicines)
• Farmacias del Ahorro
• Farmacias Benavides
• Farmacias San Isidro
• Farmacias San Pablo
• Farmapronto
• Farmacias Guadalajara
• Sanborns

Communications services in Mexico

Modern communication services are wide available and reliable in Mexico, and the presence of several operators has kept prices competitive.

• Telmex (Fixed line internet and phone)
• IZZI (Fixed line internet and phone)
• AT&T (Fixed line and mobile/data services)
• Telcel (Mobile, mobile data)
• Movistar (Mobile, mobile data)
• Virgin Mobile (Mobile, operates using Movistar network)
• Starlink (Satellite)
• HughesNet (Satellite)
• ViaSat (Satellite)

Sports stores and gyms in Mexico

Mexicans are fanatics of sports and gyms. Mexico ranks 5^th in the world by number to gyms per capita.  Most of the better-equipped membership gyms are national or regional franchises, although local independent gyms also operate—check locally for details.

Sports stores in Mexico

These are the principal chain stores selling sports clothes and equipment in Mexico.  Some department stores also have sports sections.

• Sportland
• Marti
• Ruben’s

Gyms in Mexico

There are principal gym chains across Mexico.  They usually charge an inscription fee plus a monthly subscription and have minimum contract lengths, usually a year, although they might be negotiable.  Check locally for details.

• Power Gym
• Station24
• SmartFit
• GymPass Mexico

Food diners in Mexico (national chains)

Mexican food diners offer a-la-carte menus and daily specials, although local fondas offer an alternative, with lower prices for their meals.

• Sanborns
• VIPS
• TOKS
• Wings
• Los Bisquets de Obregon

Books and music stores in Mexico

Retail bookstores have diversified in recent years to offer a range of goods including music and DVDs—some also offer coffee shops in-store.

• Gandhi
• La Casa del Libro
• El Sotano
• Librerias de Cristal
• Mixup
• Sanborns

National cinema chains in Mexico

US blockbuster films are popular in Mexico and the two principal chains offer multi-plex centers with screens across the country.

• Cinemex
• Cinepolis

Technology and electronics stores in Mexico

Although a lot of people purchase phones, computers and other electronics online, physical stores continue to ply a brisk trade for these in Mexico.

• Apple Mexico (iPhones, iPads, Mac)
• Samsung Mexico (Android Phones, Domestic electronics)
• Huawei Mexico (Android Phones)
• Mixup (Phones, all brands and networks)
• Telcel Stores (Mobile Phones, Data Modems)
• AT&T Stores (Mobile Phones, Data Modems)
• Movistar Stores (Mobile Phones, Data Modems)
• Radio Shack Mexico (Electronics)
• Steren (Electronics)

Banks in Mexico

Mexico’s banks have networks of branches and ATMs across the country.  These are the principal banks operating in Mexico; most are owned by one of the global banking groups.

See also: Discover Mexico’s banks and the services they offer

• Bancomer
• Banamex
• HSBC
• Scotiabank
• Banorte
• Santander
• Intercam
• CI Banco
• Banco Inbursa
• Banco Azteca

Insurance services

Mexico is well-served by a range of insurance companies; however, if you want to insure a foreign-plated (US/CDN) vehicle in Mexico, you’ll need a special insurance policy—see below for details.

Insuring foreign-plated vehicles

Foreign plated vehicles must be properly insured in Mexico.  Your home-issued insurance policy cannot cover you for third party damages.

• Online quote for auto insurance for foreign-plated cars

Insurance companies in Mexico

All the world’s major insurance companies operate and are represented in Mexico.

• GNP Mexico
• Monterrey
• Royal & Sun Alliance
• DVK
• MetLife

Postal and courier services in Mexico

DHL, FedEx and UPS are the three principal international couriers operating in Mexico, and Estafeta is the largest domestic courier in Mexico.

• DHL Mexico
• UPS Mexico
• FedEx Mexico
• Estafeta
• MexPost

Automobile agencies in Mexico

All major car brands are represented in Mexico including the world’s most luxurious car brands. VW, Nissan, Mazda, Honda, and Kia, are the most popular.

• Volkwagen Mexico
• Kia Mexico
• Ford Mexico
• GM Mexico
• Nissan Mexico
• Mazda Mexico
• Honda Mexico
• Chrysler Mexico
• Buick Mexico
• BMW Mexico
• Audi Mexico
• Mercedes Benz Mexico
• Ferrari Mexico City
• Aston Martin Mexico City
• Rolls Royce Mexico City

App-cab (taxi) companies

If you have a Uber or Didi account based in your home country or Mexico, you can arrange for these app-cab services to transport you in Mexico.  Services are not available in all towns and cities, but they are available in the most popular/populated places.  Check on your phone app for details.

• Uber
• Didi

Housing: short-term rentals

If you’re seeking a short term rental in Mexico, various online marketplaces exist that offer rental of rooms, bungalows, and even entire apartments or homes on a short term basis.

• Airbnb
• Homestay
• Tripping

Housing: long-term rentals

When you’re searching for a long term rental in Mexico, browse the major property portals that offer listings for all types of accommodations on long term basis (usually 6+ or 12+ months).

• MetrosCubicos
• LaMudi
• Vivanuncios
• Inmuebles24
• Propiedades.com
• Homie
• Craigs List Mexico

Housing: house purchases and sales

When you’re searching for a house to buy in Mexico, these are the major property portals that specialize in listing houses and land for sale.

• MetrosCubicos
• Vivanuncios
• Inmuebles24
• Propiedades.com
• LaMundi

Learn about living costs in Mexico

Mexperience publishes a series of articles about living costs to help you consider your choices, research prices, and create a budget that’s based on your personal lifestyle situation.

• How to calculate your living costs in Mexico
• Cost of utilities and communications in Mexico
• The typical costs of running an automobile in Mexico
• Read the latest articles about living costs in Mexico

Speaking Spanish gives you access to the local culture and enables you to engage with people in ways that are simply not possible through third party translation and will enhance every experience you encounter in Mexico.

Conversation is the key to language fluency

It’s the everyday interactions with other people that give us the most value and most pleasure from being able to communicate in another language.  Developing your ability to converse in Spanish requires a regular exercise of your vocabulary, and confidence.

The online course offered by our associate is helpful when

• you visit Mexico frequently and want to converse in Spanish for leisure, lifestyle, or for work;
• you’re already living in Mexico and want to improve your Spanish language conversation skills;
• you plan to move to Mexico and you’d like to arrive prepared to converse more confidently.

You can choose from pricing plans depending on how many lessons you want per week.

Each course is tailored based on your current skill level and language learning goals, and your free assessment also includes a lesson test-run over a video call.

True beginner

When you want to get started speaking Spanish for the first time, a coach will help you to build a solid foundation and get you conversing in Spanish.  You will be speaking Spanish from day one of the course.  This is ideal for those who have never studied Spanish before or those who studied it many years ago but don’t remember much, or anything, from those studies.

False beginner

When you’re someone who’s had previous experiences with trying to learn Spanish but still can’t string a sentence together, this course can help you to retrieve the information you’ve stored over the years, unlock what you already know, and develop new vocabulary and skills while building confidence speaking Spanish in everyday situations.   It’s ideal when you understand more Spanish than you can speak or lack confidence when you need to express yourself in Spanish.

Intermediate learner

When you have a good basic grasp of Spanish, but you sense that you’ve reached a plateau you can’t overcome or need to develop confidence to speak Spanish with strangers or in public, this course can help you to make material advances in your current Spanish language capabilities.  Most language students get stuck in a loop and need some help at some point, and a coach will assess your current level with a view to structuring a course to help you reach your goals.  This is ideal when you’ve tried other courses that don’t seem to work, or sense that your vocabulary and sentence structure need to be sharper or more refined.

Intermediate-advanced learner

When you’re seeking to improve your Spanish language capabilities for specific purposes, for example, as part of a career development plan or due to some other specialized interest, your intermediate-advanced skills can benefit by having the course structured to your more advanced needs or professional goals.   For example, you might need to learn Spanish in the context of medical, scientific, business, educational, or technical disciplines.  This course is ideal for those who have a decent command of the Spanish language, but who want to sharpen their abilities and gain others’ trust when speaking in Spanish, especially in formal or business situations.

Someone who wants to learn Spanish for living in Mexico

If you’re living in Mexico, or plan to make a move here in the future, this online course can also help you to improve your Spanish language skills to face everyday lifestyle situations in Mexico.  Language lifestyle conversations are helpful when you are already living here and want to improve your language skills, or you visit Mexico frequently, or plan to move to Mexico in future—so that you can arrive prepared with language and vocabulary skills that will enable you to converse confidently in lifestyle situations you’ll encounter when you’re here.

Every course is tailored to your current skill level

Every course is tailor-made for each student.

Request a free consultation today and our language associate will take the time to assess your current language skill level on a video call and talk about your goals and intentions in regard to improving your Spanish language conversation skills, with no obligation.

Your free assessment also includes a lesson test-run via video-call, and if you enjoy the format you can choose to sign-up for a course that will be tailored to your current Spanish language proficiency and language learning goals.

Month-to-month coaching plans are available from US$140 per month; and you can cancel anytime.

Book your free consultation and lesson test-run, with no obligation

This article explores typical profile patterns of foreign residents who come to Mexico to live and work or retire, and also describes the key considerations which influence people’s level of commitment when they come to live here.

Foreign residents’ commitment levels vary

While everyone’s situation has unique aspects, people who come to Mexico to live and work or retire tend to fall into one of these profile patterns—and reviewing these can help you to consider what level of commitment you might have.

Full-time residents, fully committed to Mexico

Foreign residents who are fully committed arrive to live and work or and/or retire full-time and settle permanently in Mexico.  They usually sell their home abroad and move all their personal goods to Mexico.

They might already own a home in Mexico, or will purchase a home, perhaps renting somewhere for a time while they scout for and find the property they want to buy.

Some people might commit to Mexico this way and rent a home instead of buying; for example, if they have sufficient income to rent, but insufficient capital to buy—or if they prefer the flexibility that renting a house offers.

These types of retirees tend to visit family and friends in their home country at least once a year; and family and friends may also come to Mexico to visit them.

Our article about considering choices for accommodations in Mexico shares further insight about whether to buy or rent in Mexico.

Full-time residents, partly committed to Mexico

Foreign residents who are partly committed arrive to live and work and/or retire full-time in Mexico, but tend to keep their home and other significant assets abroad.  They either rent long term or buy a home here if they don’t own a home in Mexico already.

They will likely make regular annual trips back to their home country, perhaps at certain times or seasons of the year, to be with family and friends they have outside of Mexico.

Part-time residents, living in Mexico for defined periods

Foreign residents who arrive to live and work and/or retire in Mexico part-time, for defined periods are not fully committed to Mexico and tend to hold considerable assets and perhaps work and family commitments abroad.

When and how long these types of foreign residents stay in Mexico varies, and dates and seasons might depend on individuals’ own circumstances and commitments they have ongoing here, and elsewhere.

Foreign residents who overwinter in Mexico are commonly termed as “snowbirds”—who typically arrive in November and leave in April or May of the following year.  They might own or buy a home in Mexico, or they might rent a house here—and they’ll probably keep a home abroad.

Frequent shuttling or short stints in Mexico

Some foreign residents, especially (but not exclusively) those who live near the southern US border, might shuttle frequently between a home in the US and their home in Mexico.

Others might live most of their time in their home country (or another country) and live in Mexico for a short stint or stints: either for a single, defined period during the year, or through several shorter periods in weeks or months peppered throughout the year.

These types of residents will almost certainly own a home in Mexico, although some might have long term rental arrangements in place.

In years past, foreigners who arrived in Mexico to live this way would not bother getting a residency permit and stay in Mexico using a visitor permit instead.  However, with changes to the way foreign visitors are admitted, it’s prudent to apply for a residency permit in Mexico.

Considerations that tend to influence commitment levels

How long you spend living in Mexico, and how much commitment you make to cultivating a life and lifestyle here, will depend on many things and is ultimately  determined when you define your intentions for moving to Mexico to live and work or retire.

This section describes key considerations that tend to influence people’s decision-making.  Contemplating these these as you make your own deliberations can be helpful as you think about your move to Mexico, or making changes to your current arrangements if you already live here.

Your social and family ties

The choice about whether to live in Mexico full-time or part-time is oftentimes influenced primarily by people’s social and family ties back home.

If you have strong friendships, children and grandchildren that you are close to and want to see them more often than through occasional visits, then you might choose to make Mexico a part-time living place.

Most people who live in Mexico part-time choose to live here during the months of the year when the climate is least agreeable in their home country—and for most that’s the late fall and winter months in the northern hemisphere, when foreign residents arrive to overwinter in Mexico.

Attachment to your home country

Another key influencing factor is how attached you (and your partner and family as relevant) feel to your home country.

For example, some people find the notion of selling the family home —where children were raised, and lifetime memories were engrained— difficult. It’s easier for some people to let go, and more difficult for others.

As you contemplate this, consider your partner’s feelings about the matter; as we noted in a related article about setting out your intentions for moving to Mexico, moving abroad when a one partner is enthusiastic and committed and the other is lukewarm or unpersuaded can break relationships—even long-standing ones.

The distance between Mexico and your home country

Consider how long it takes you to travel between Mexico and you home country.

If your home in Mexico is close to the US-Mexico border and your other home is in the southern US, this might be relatively inconsequential.

Conversely, if your home country is Europe or Japan, your travel time between the two countries will be substantial.

Most Americans and Canadians that fly home will have to travel for between 6-12 hours to get to/from Mexico, door-to-door.  Most Europeans will need to travel for between 24-30 hours to shuttle between Mexico and their home country, door-to-door.

Aside from the time, effort and financial resources you’ll need to expend to travel between Mexico and your home country (especially if you continue to have significant ties to your homeland), there is also a psychological aspect to take into consideration that’s also related to your commitment level (see first section, above).

If you’re only living in Mexico part time and your home country is far away and you have significant commitments and attachments there, this is likely to eventually take a toll on you even if you are able to fund the continual traveling.

Logistics, financial resources, and personal energy

Persistent traveling may become more burdensome for some as they grow older.

Living part-time in Mexico and part-time elsewhere every year requires you to manage at least two sets of homes, two lifestyles, and two ‘lifestyle structures.’

The logistics become more complex if you must rent out one house or the other as part of your income needs.

Shuttling between two countries requires considerably more financial resource and moreover it demands time and energy from you personally every time you shuttle.

Consider the impact this will have on your budget longer term and, more importantly, on your body and overall wellbeing: as we grow older, constant moving may become less attractive, and for some also less viable.

Offspring’s perceptions and concerns

People who come to to live, and especially those who come to retire, often have grown children (and grandchildren) living in their country of origin, or in a country other than Mexico.

Most adult children concern for their parents as they age, and if you choose to live in Mexico, it’s sensible to share those intentions with any children you have and express to them how long and what level of commitment you might make to Mexico in the longer term.

Some children might be quite comfortable with the notion of their parents living or retiring abroad in Mexico; others might see it as fancy experiment that will be short-lived, while others might express worry or fears—especially if the parents are ‘selling-up’ and moving to Mexico full time.  These personal family connections can become significant influencers in the decision-making.

If you intend to commit to Mexico long-term and make Mexico your ‘primary home’ then be sure to communicate this intention with your close family; and consider the longer-term impact, including estate planning and, related to that, senior care services and end-of-life planning.

Some people retire with the intention of living out the remainder of their lives in Mexico and if you become unable to make decisions it’s helpful to have a (legally-binding) plan in place that may prevent others from acting against your wishes and moreover facilitate the implementation of yours and your partner’s wishes.  Hire a Notary Public in Mexico to talk about living wills, and/or consult with a professional financial advisor or attorney.

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.

• Articles about lifestyle planning in Mexico
• Defining your intentions for moving to Mexico
• Matching your location with your lifestyle needs
• Discovering potential places to live in Mexico
• A regular Mexico Newsletter you can subscribe to for free

Who is eligible for Medicare

Medicare is only available to legal residents of the USA who are of a certain age (or with specific medical situations).  Here are some helpful links for further research; we also recommend you talk to your insurance broker or healthcare providers about your individual situation.

• This Medicare page contains an eligibility questionnaire, and
• This page on the Medicare Interactive website describes the Medicare situation for those who live abroad; and
• This page on the Medicare website describes Medicare policies when outside of the U.S.

Access to Medicare outside of the USA

Outside of the 50 States and the District of Columbia, Medicare is only available in Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa.

Medicare may pay for specific types of medical care in a foreign country if a foreign hospital is closer to the nearest U.S. hospital should a medical emergency arise while you’re in the U.S., or traveling through Canada between the continental U.S. and Alaska; or if you live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition.

If you’re traveling on a ship, Medicare might pay for medically-necessary services provided the vessel is not more than 6 hours away from a U.S. port.

In all cases, Medicare drug plans don’t cover prescription drugs you may buy outside the U.S.

You can get full details about the policies and coverage here on the U.S. Medicare official website.

Alternatives to Medicare when you’re in Mexico

When you’re planning to live in Mexico and need to consider health insurance coverages, there are several options you can consider.

Mexico’s IMSS coverage

As an alternative to Medicare, some foreign residents in Mexico opt to take Mexico’s government-sponsored IMSS health coverage under an insurance program that charges based on age-brackets; typically between US$50-$70 per month for someone of retirement age.  Conditions and exclusions apply, and you must be a legal resident of Mexico to avail yourself of this coverage.

Private medical insurance

Private medical insurance is widely available in Mexico, with policies priced depending on the coverages you seek, your age, health, and medical history.

Medical evacuation insurance

If you’re only in Mexico for short periods, and you have coverages which give your healthcare options in your home country, you might consider a medical evacuation insurance plan to help you get back home in the event of medical emergency.

Discover options for healthcare coverages in Mexico

For details and descriptions of the various healthcare coverages available to foreign residents, read our article about Health and Medical Insurance Options for Mexico that includes options for short visits, extended stays, and long-term residency.