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Costa Rica ranks third in the Best Places to Retire in 2025, according to the Annual Global Retirement Index published by International Living.
Renowned for its tropical beauty, political stability, and welcoming lifestyle, Costa Rica continues to attract retirees from around the world. While it held the #1 spot in 2024, it remains a top contender in 2025 thanks to its unique blend of natural wonders, accessible healthcare, and relaxed way of life.
Why is Costa Rica such a popular destination for retirement among expats? Let’s explore the key benefits — and a few challenges — of living in this Central American paradise.
Costa Rica offers a rare and powerful mix: breathtaking natural beauty, a year-round tropical climate, and a culture centered on well-being and simplicity.
From lush rainforests and turquoise waterfalls to vibrant toucans and scarlet macaws flying freely, the environment is nothing short of magical. Though the country is geographically small, it harbors nearly 6% of the world’s biodiversity — a dream for nature lovers and adventure seekers alike.
The lifestyle in Costa Rica is famously laid-back. Retirees are drawn to the Pura Vida mindset, which emphasizes living well, enjoying the moment, and appreciating life’s simple pleasures.
Add to this the friendliness of the local population — Ticos and Ticas — and you’ll find that newcomers quickly feel at home. The country also stands out for its safety, democracy, and absence of a military, offering retirees peace of mind and a stable environment.
Costa Rica’s healthcare system is widely respected across Latin America and internationally. One of its strongest advantages is the availability of both public and private medical services — allowing retirees to choose what best fits their needs and budget.
The Caja Costarricense de Seguro Social (CCSS) provides universal coverage for citizens and legal residents, including those with a pensionado visa. Through affordable monthly contributions based on income, retirees can access:
General doctors and medical specialists
Diagnostic services, lab work, and surgeries
Prescription medications
This system ensures access to necessary healthcare without high out-of-pocket costs.
Costa Rica is also home to a growing network of modern private hospitals and clinics, many of which offer:
English-speaking doctors
Short wait times
Same-day appointments
Private healthcare is significantly more affordable than in North America or Europe, and retirees can choose to pay directly or use international insurance. Some private hospitals are internationally accredited, providing high-quality care comparable to U.S. and European standards.
One of Costa Rica’s most attractive features is its flexible cost of living. Some couples live comfortably on $2,000 to $2,500 per month, while others prefer a more luxurious lifestyle and spend more.
This range allows retirees to tailor their expenses to their financial situation. Whether you’re living modestly or seeking a beachfront retreat with modern amenities, Costa Rica offers options for every budget.
However, it’s important to note that houses for sale in Costa Rica prices have risen, especially after the pandemic. Properties near the beach — particularly on the Pacific side — tend to be more expensive, while the Caribbean side still offers better value.
To retire legally in Costa Rica, expats can apply for the pensionado residency visa, which requires:
Proof of a permanent monthly pension of at least $1,000 (from Social Security or other guaranteed sources)
Registration with the national healthcare system (La Caja)
Completion of the immigration process with supporting documents
This visa allows full-time legal residence and access to public healthcare services.
Costa Rica’s Caribbean Coast, especially areas like Puerto Viejo, Playa Negra, Punta Uva, and Manzanillo, offers several unique advantages:
Cooler and milder temperatures due to the nearby Talamanca mountains
Stunning turquoise beaches and lush jungle scenery
No need for a 4×4 vehicle — roads are flatter and easier to access
More affordable homes compared to the Pacific coast
For example, it’s still possible to buy a 3-bedroom home near the beach for under $300,000 — a rare opportunity in today’s real estate market.
You’ll also find everything needed for a comfortable lifestyle nearby: supermarkets, banks, restaurants, and a major hospital just minutes away in Hone Creek, serving the entire Puerto Viejo area.
Costa Rica continues to be one of the best places in the world for retirement, thanks to its natural beauty, friendly communities, and healthcare access. While the cost of housing has increased in certain areas, the country still offers great value and flexibility — especially for those who choose the Caribbean Coast.
Whether you’re dreaming of beachside living, jungle views, or a peaceful community where you can enjoy your retirement to the fullest, Costa Rica welcomes you with open arms.
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