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Expat Living in Costa Rica

Expat Living in Costa Rica

289 subscribers

👁 3,436 views

Moving to Costa Rica? The True Cost of Living in 2026 | What I Actually Spend

Video Overview & Insights

Living in Costa Rica in 2026 comes with a cost of living that has shifted dramatically — and I'm breaking down exactly what I actually spend each month. If you're moving to Costa Rica, retiring in Costa Rica, or planning your Costa Rica expat budget, this video gives you the real numbers most guides skip.

What's the ONE expense you're most worried about when planning your move to Costa Rica? Healthcare? Rent? The exchange rate? Let me know — I read every comment and respond.

— @ExpatLivinginCostaRica

I've lived here for 18 years, and in this video I walk through my actual monthly expenses in a Central Valley mountain town: rent, food, transportation, healthcare, and the hidden costs nobody warns you about. I also compare three realistic expat budgets — frugal, comfortable, and beach lifestyle — so you can see what your Costa Rica retirement or relocation will actually cost in 2026.

📊 CHAPTERS

What town do you live in?

— @dagoapril

00:00 - The Reality of Costa Rica's Cost of Living in 2026

00:37 - How the Dollar vs Colón Exchange Rate Changed Your Budget

Re the Caja, it is not mandatory, i am a permanent resident and we're enrolled as ''Securo Voluntaria Fisica Extranjera '' and pay 31.000 colones montly. We only have US Soc. Securety income, not local income.

— @John-yy4kc

01:24 - My Actual Monthly Expenses: What I Really Spend

02:06 - Costa Rica Rent Prices: What I Actually Pay

Costa Rica electricity is VERY EXPENSIVE. we ran A/C for 1 month, in Liberia. My 1st powerbill was $1130.00 because it was hot as hell and the humidity was so high. Your stated cost is very unique and is not an average of the typical gringo living in CR. The $$$ has lost so much value in CR. The central valley is beautiful and I agree, with altitude, one can get away with less A/C vs other areas.

— @jeffreyobrock

03:29 - Internet & Connectivity Costs for Expats

03:48 - Cell Phone & Data Plans: My Monthly Costs

The mountain towns are too cold especially the rainy season.

— @lonnie38311

04:10 - Costa Rica Food & Grocery Budget Breakdown

04:32 - Transportation Costs

Costa Rica sucks

— @Ray-h3r5z

04:53 - Healthcare Costs & Total Monthly Spending

05:17 - How Your Location Changes Your Cost of Living

Excellent, excellent, excellent!!!! 🎉🎉🎉❤️❤️❤️

— @jmelnick8360

08:12 - The Hidden Costs of Living in Costa Rica

09:45 - Three Real Expat Budgets: Frugal vs Comfortable vs Beach

Who in there right mind would get a pensinado visa now ? $475 - $700 USD per month to CAJA ...NO Thank You, a single persion with a $3,000 pension pays $475 per month to CAJA ( Not the stated "roughly 200-450 ) x2 people thats $950 combined...Ya Disgusting

— @keepemwet

10:40 - Is Costa Rica Still Worth It in 2026?

13:16 - How to Visit Costa Rica Before Moving

Oh my goodness! I am planning on moving there and that is exactly how much rent I want to pay. I don't like big cities. I rather save to do a little traveling. I am kind of minimalist. How did you find that place, where is it at? Do you know of anyone who is renting a house? Thank you so much for sharing your videos in your channel. I love that you are so honest withe information that you share, Todo lo mejor.

— @MayFlowers-w7w

14:10 - Costa Rica Expat Podcast

🎙️ Want to Go Deeper?

I have been living in Costa Rica for 6 years with my local wife and her two children.
Retired and,(as soon as her ex husband finally signs a release for their children to travel outside CR), were moving. Belize or Nicaragua are two of our favorite countries.
Shortly after moving here the dollar was 690 colones to $1 dollar. Now,at my local bank, it’s 442 colones to the dollar, a 35% decline. Costa Rica is the 2nd most expensive Latin country after Uruguay. Its cost of living in 47% higher than Mexico. Expat health insurance costs me $750 a month. Cars, electronics, good steaks, cheeses, California wines, liquors, anything imported ,which are most items,are more expensive here than in the States.
CR is as expensive as many parts of America, so if your looking to live comfortably on a fixed income a couple will need to budget $3,600 to $5,000. If your looking for inexpensive it’s not here unless you want to retire, live in the middle of nowhere, skip regularly going out to nicer restaurants and live frugally that’s reality.
Cartels are a big problem, so much so, that America has expanded its military presence along the North and Southern borders along with FBI, DEA and CIA thankfully.
Costa Rica is attracting a great deal of money laundering, somewhere between 40% to 50% of what the government calls foreign investments, are flooding CR and that has unfortunately contributed to the over supply of U.S. Dollars and its declining value to the CR Colone.
If you are looking to vacation it is a nice place to start for your first time Latin adventure and if you prefer a little more structure, it is a good choice. CR has become touristy in many beaches areas, but it is well developed with many amenities.
If retirement is your goal, than visit and stay for at least 3 to 6 months and see if the living costs and what you are looking for and meet your expectations.
As for crime and corruption, well its Central America; My wife owns a trucking business so we see a lot of it here but that’s life. Overall, it has become over hyped and overpriced for the last 6 years but it’s still very enjoyable to vacation here.
For those looking for retirement, look around and investigate before making any sudden decisions about your future in any country.
Good luck to you.

— @nyerling5723

Listen to the Costa Rica Expat Podcast for in-depth conversations with retirees, digital nomads, and long-term expats sharing their real experiences living in Costa Rica.

👉 https://www.youtube.com/playlist?list=PLDmgqI6ysNf-Ln6wsaUMdz9RtPrct6NfN

WOW!!! I LIVE IN U.S., IN FLORIDA!!!! AND PAY 1/2 THAT AMOUNT TO LIVE. JUST DON'T SPEND MONEY THAT "YOU" DON'T HAVE......GOT IT

— @jamescarnley4830

🔔 Subscribe for weekly videos on expat living in Costa Rica, relocation tips, cost of living, residency, and expat life.

📲 Connect with Dave

Are you in carrago?

— @lauran6184

Instagram:

https://www.instagram.com/david.a.melnick

I appreciate the video. I am considering trying out Costa Rica for retirement. But I couldn’t live like you do. I need to be in a more active environment, closer to health care, maybe an area I could find a date once in a while.
I’m 62 and single, my income is around $4,000 a month. I don’t need luxury, but I would like walking distance to a beach.
Is that possible on my income?

— @cirilloNYC

📖 My Book

Intertwined: Adopted Sacrifice – A Kidney Donor's Journey of Faith and Obedience

Thank you, Dave. I live in San Luis next to Lake Arenal. I live on $1000 a month with two cats and a dog. The bus comes by seven times a day on time starting at 5:30am. Door-to-door service that costs 500colones($1.00) each way into Tilaran. The beach is 1.5 hours away to Playa Hermosa. The weather is great at 1800 feet above sea level. I have an unobstructed lake view from my apartment with complete privacy at $445,00 a month all included. Pura Vida!

— @josephdennehey4126

Read my personal story about donating a kidney to my sister. Part of the journey takes place in Costa Rica.

👉 Available on Amazon: https://a.co/d/05wmqedr

Me and my dad are trying to leave the states and wanting to move to Costa Rica I'm 22 and my dad is almost 50 and we are wanting a change this video definitely gave us more of a slightly clear view of things and we have made our mind and hopefully move soon. Glad to find your channel gave us a eye opener

— @RavenBlasdell-l4o6p

#CostaRica #CostOfLiving #RetiringInCostaRica #ExpatLife #LivingInCostaRica #CostaRica2026 #MovingToCostaRica

Good Video... #1 thing should be quality of food.... North American food is straight up Poison! Yes some foods are more here but how can you compare them when the cheaper food is killing you. Don't buy import food! A lot of people move to Costa Rica and all their fatigue and mental fog goes away when they switch food. Cars are more but insurance is much cheaper in general... car repairs are a fraction.
In the end it all comes down to the person... I have seen people from USA come here and try to live way better than they did back home and then whine that its expensive living in a beach towns like Jaco..... spending $$$ on hookers and $20 burgers and $300 a/c bills when back home they lived outside Dayton Ohio and had no g/f..... It works for you because you have your head screwed on.... If you can't make it here even with the colon @450 good luck making it in North America.... Also get your dog off dry garbage food.... meat / vegetables .... your dog will be much better off.

— @Richard-v9s5e

More User Perspectives

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Great video. I visit Costa Rica twice a year and multiple people have told me if you don't absolutely need a car don't get one. My first time in 2018 was the only time I used a shuttle or taxi. I have used the public bus since then which is very affordable to get to most places you need to go.

@BarrettTew
@

it's too expensive to live in Costa Rica

@omariscerrud8058
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I don't see why anyone would become a legal resident and pay the CAJA when as a tourist you can just keep coming back without issue and not pay anything.

@RC94332
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I'm going to do this in Spanish, because I know you speak it. Te cuento: cuando estuve en C. R. en el 2021 tuve la experiencia más linda de mi
Vida, pasé un mes y luego visité tanto Nicaragua como Panamá y quedé maravillado. Eso sí, me quedo en C.R. y de nuevo a visitar Nicaragua.

@marzoparvar9446
@

Nice work! I have a similar channel and would like to volunteer for the podcast.

@TheAndyArrowChannel
@

Great info Dave!

@hunterwyattstudio