Categories: Retirement locations

Why Retiring in Costa Rica Won’t Work For You

Retiring in Costa Rica may sound like a dream come true. So far, for my wife and I, it’s worked out OK. It’s not a dream come true, but you don’t believe in that myth anyway do you?

So why will retiring to Costa Rica not work out for you?

  • Your extended family will interfere
  • You have a comfortable nest egg
  • You never lived in a small town
  • Health care costs don’t concern you
  • You have lived in the same place forever
  • You are a conspicuous consumer
  • You enjoy cooking and fine dining

Extended Family Will Interfere

If you have a large extended family, moving to Costa Rica would be difficult. Especially to Costa Rica where extended families live in the same house and do everything as a family. It’s hard to see such happiness and know that my life is missing something.

You Have a Comfortable Nest Egg

If you lived within your means you whole life and socked away a chunk of your earnings consistently and didn’t get careless with your savings, you probably have a comfortable nest egg. Perhaps even enough to provide a nice inheritance for your children. Yay on you.

We lived carelessly during my peak earnings year. We ran up a lot of credit card debt and student loan debt. We got it all paid off, but there wasn’t anything left over to save. My parents were not wealthy so there was only a small estate that came when I was in my fifties.

In order for me to quit work and retire, we needed a country with a low cost of living. Costa Rica provides that. We are able to live here comfortably on $2000 a month or less. Many of our expat friends are living on less. Living simply in Costa Rica is easy because most of the population earns less than $5,000 per year.

You Have Never Lived in a Small Town

Unless you locate in the big dirty city of San Jose or any of the barrios surrounding the city, you’re going to live in a small town of 20,000 or fewer residence. If you don’t know how frustrating it is not having a Target or Home Depot or Publix or Auto Zone in your town, you won’t make it in Costa Rica. There is a whole culture built up around finding gringo-centric items… like horseradish, or knitting yarn, or windshield wipers or… you get the idea.

Small towns in Costa Rica are built around the Catholic Church – literally. In almost every town, the church is in the center with a park across the street. During non-work hours (for Ticos that’s Monday through Saturday) the park will be filled with people of all ages chatting and laughing. This is their entertainment: laughing with their friends and family.

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Mark Van Patten

Mark Van Patten retired at age 64 and moved to Costa Rica with his first, and only, wife and four dogs. They live in Atenas, Costa Rica in a small home 4 kilometers from the center of town. Their trips to town are often interrupted to stop to give rides to their neighbors or to let the cows pass on the way to pasture. Mark has blogged at Going Like Sixty about stuff of interest to baby boomers including retiring, moving, and living in Costa Rica. Mark and his wife have their house for sale so they can have a larger place for her hobbies and crafts. Check it out at AtenasHouse4Sale.com You can also reach him via email

View Comments

  • Thanks for sharing your unvarnished and honest perspective of Costa Rica. It is rural with a small town feel in many areas, which doesn't work for everybody. And you can enjoy a simple life with relatively low income. That said, as you noted, it's not for everybody.

  • I find being a gourmet cook in Costa Rica as easy as cooking well in Alaska. You may not have everything in the world, but there are enough raw ingredients to make great food. I haven't found tough pork there and coasts are close when looking for seafood.

  • @robert: thanks for your comment. You are probably right - an excellent gourmet cook thrives on taking the local ingredients and making a fine meal. However, one of the things expats talk a lot about is finding spices and other ingredients that aren't readily available at the local market.

  • Vacationing in Costa Rica 3/25- 4/1, happen to be retiring (husband) immediately on returning to states. Flying into Liberia and staying at the Westin Playa Conchal. Any suggestions for us on things to experience in this Westin area. We live in Texas now and would love a less materialistic lifestyle.

  • @Janet: don't know anything about that area... have never been there. If you are seriously considering retiring in Costa Rica, you need to get away from tourist areas. It is a whole different experience (better.) Check the blogs on my site for a nice cross section from people who live here.
    Have a great time.

  • I am surprised by the comment that the Costa Rican ocean "waters are not very clean." What comparison is being made here? I can't imagine that their waters (besides Jaco, of course) even approximate the problems that exist with ocean pollution everywhere that people live in the world today. And because fishing is done off-shore, I am not too sure that even San Jose's runoff toward Jaco is going to make for a bad situation. One of the reasons I want to visit Costa Rica is to experience a beautiful ocean. My research hasn't turned up any issues besides what is expected. I think if this were an article about southern California, then I would include a warning to check which beaches you end up at... What am I missing? Is this even accurate?

  • Re: dirty ocean... The waters *look* dirty for the most part. Of course there are pristine looking waters, but I'll stand by my unscientific personal opinion that Costa Rica waters are dirty. Thanks for the comment.

  • Since this site was created the cost of electrical power in Costa Rica has increased dramatically, and is increasing another 16% in the near future.
    Many expats who cannot live in a hot climate without AC have moved back to the states, the $500. per month for electrical power was just too much for their budget. Groceries cost about the same as in the states, and the selection is far less. There is no eatable beef here, it's like rubber, but the chicken is very good. Fruits and vegetables are less expensive than in the states. The cost of a car or anything imported is outrageously high, the government here imposes very high import taxes. We rarely hear of violent crime here, but petty theft is ramped. We live in a gated community with an armed guard, and we have bars on all of our windows and doors. It's dark at 6pm and we can't go outside the development gate at night. If the muggers don't get you the drunk drivers will. The locals are friendly but many of them are lazy, which is why they import migrant workers from Nicaragua. Some Ticos will claim they need food but they'd never consider planting a fruit tree in their back yard. Even if they had a fruit tree they wouldn't take the time to even water it. Home prices here are way out of line, they sell for almost double what they are worth, as you must take into consideration that the men who build homes down here earn as little as $4. per hour. The Gringos have destroyed the real estate market down here.

  • Hi John,
    You state "many" expats are moving out of CR... without any attribution to back up your claim. I know personally of a Canadian who moved back and also a Kentuckian that moved in.
    You are correct that the cost of living here is increasing rapidly. We chose to live in an area that didn't require a/c for that reason. Our last electric bill was USD$120. Fridge, electronics, washer, dryer (sometimes), four ceiling fans.
    I agree about the beef - and would add pork and chicken to the list. It's all tough in my opinion.
    Agree on the food prices/selection
    Petty theft is not rampant in our area. I imagine living close to the tourist areas you would find a much more undesirable element. Something to consider for sure.
    I think lazy is prejorative and unfair to categorize an entire nation on your feelings.
    Home prices are of course VERY subjective anywhere in the world.
    Thanks for commenting.

  • I am fortunate enough to have visited Costa Rica in 1999 and again in 2006. Friends retired to San Jose c. 2005 and have found it a mixed bag, pretty much like most other places (mixed bag-wise, I mean). It's sad that the influx of Americans with their almighty dollars has changed the country so much. I noticed that the food in restaurants improved markedly between '99 and '06. In the latter trip I was traveling with vegetarian - pescatarians. We cooked our own meals most of the time, and the quality of the produce was fine. Admittedly, we brought our own spices with us! We stayed on the Nicoya Peninsula and our dinners out featured excellent fresh fish. It's a beautiful country with its own unique culture and of course, many wonderful people. Too bad it appears that Americans may be ruining it... but still, I hope to go back at least one more time and see for myself.

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Mark Van Patten

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