¿Está buscando ayuda para mudarse al extranjero? Póngase en contacto con los especialistas de info@startabroad.com.
Aunque mudarse al extranjero puede ser desalentador, es útil saber que no estás solo. El mejor maestro es la experiencia de quienes ya lo han hecho. Para ello, publicaremos preguntas y respuestas con todos los tipos de expatriados —aspirantes, recién llegados, de larga permanencia, titulares de pasaporte y todo lo demás— para que puedas aprender de la comunidad de StartAbroad.
No importa dónde estés en el proceso de mudanza, nos encantaría aprender de ti. Contacta con Zach en Zach@StartAbroad.com si estás interesado en compartir tu historia.
Tenemos suerte de poder contar con la presencia de Andrea esta semana. Andrea “Andi” es una profesora y agente de viajes de Georgia. Es la propietaria de Andiland Adventures (https://andilandadventures.com), un sitio web de reservas de viajes y vacaciones, por lo que sabe un poco de todo sobre destinos internacionales interesantes. Ella y su pareja han estado planeando mudarse a Panamá durante varios años y han aprovechado varios recursos para planificar el traslado.
Escuche a Andi sobre por qué decidió mudarse a Panamá, el proceso de planificación y descubrimiento, y algunos desafíos inesperados que enfrentó a lo largo del camino.
¿Por qué has decidido mudarte al extranjero?
Tanto mi pareja como yo somos viudas. Ambas nos encanta viajar. Ninguno de nosotros tiene hijos, así que durante la pandemia dijimos: ‘Vamos a viajar’.’
Además del aspecto de los viajes, el costo de vida y la seguridad fueron factores importantes en su decisión de mudarse. Mi pareja podrá jubilarse, pero yo todavía tendré que trabajar. Debido a que el costo de vida es más bajo que aquí, tendré la misma o mejor calidad de vida sin la presión financiera que me permita trabajar menos y disfrutar más de la vida.
¿Cuál es su plan de mudanza?
Podría suceder en las próximas 24 horas, o podría ser en los próximos 10 años. Hay varias razones familiares y personales que nos hacen permanecer aquí. Pero probablemente nos mudaremos en los próximos 12 a 18 meses.
¿Por qué decidiste mudarte a Panamá?
Panamá y Ecuador estaban en la parte superior de nuestra lista. Enseño online en dos universidades y soy agente de viajes independiente. Debido a los fusos horarios, América Central y del Sur me resultaron más convenientes. Panamá está en la zona horaria central, por lo que está una hora por debajo de nosotros en Georgia y dos horas por delante de California, lo que lo convierte en la opción perfecta.
También analizamos los aspectos de seguridad, y esos países eran algunos de los más seguros. El Perú también estaba entre ellos, pero, desde el punto de vista climático, no era lo que buscábamos en ese momento. Además, ambos países son magníficos, lo cual obviamente ayuda.
Visitamos Ecuador y Panamá. Nos enamoramos de ambos países, pero nos enamoramos aún más de Panamá. Todos en ambos países fueron muy acogedores y amables. Ambos utilizan el dólar y conducen por el lado derecho de la carretera (no como los europeos). Es un país de habla española, pero en lugares para expatriados se puede entender bien con el inglés. Y tenemos un vínculo personal en Panamá que hizo que cada uno de nuestros viajes allí fuera aún más especial.
Hemos visitado varias veces desde esa primera visita para determinar dónde en Panamá queremos vivir. Hemos elegido la isla de Taboga, frente a la costa de la ciudad de Panamá, y el barrio Casco Viejo de la ciudad de Panamá. También estamos planeando una tercera visita a El Valle de Anton para obtener otra perspectiva montañosa. Pasamos un tiempo en las montañas de Boquette, pero no es ideal para trabajar desde casa; una conexión a Internet confiable es imprescindible para mí y en ese lugar era casi inexistente.
Será la primera vez que vivas en el extranjero. ¿Preveés algún tipo de dificultad al vivir fuera de Estados Unidos por primera vez?
Sí, definitivamente. Resolver la parte financiera puede ser un desafío. Asegurarnos de tener cuentas bancarias y poder transferir dinero de un lado a otro de manera eficiente. Cumplir con nuestros impuestos correctamente. No hay mucha información disponible sobre cómo hacer todo eso.
¿Cuál ha sido su proceso de preparación en términos de investigación e recopilación de información para prepararse para el traslado?
Creamos una matriz con todas las preguntas que teníamos que responder. Incluía algunas de las cosas más locas, pero hay que saberlo. Nuestra matriz incluía cosas como el coste de la residencia; la estabilidad del gobierno; la facilidad para obtener la residencia; la facilidad para mantener los gastos bajo control; si queremos vivir en la playa o en la montaña; si tiene que ser todo en inglés o si estamos dispuestos a aprender otro idioma; si podemos beber el agua; y la más loca: ¿se puede tirar papel higiénico al inodoro?.
Luego simplemente empezamos a investigar para marcar cosas en las listas. Hemos hecho muchas búsquedas en Google, visto vídeos de YouTube y nos hemos unido a grupos de expatriados en Facebook. Por supuesto, también hemos hecho dos viajes a Panamá para conocer la atmósfera y ver dónde querríamos vivir.
Aún tenemos algunas preguntas importantes incluso después de todo esto: en particular, los impuestos. No hay mucha información disponible para los jubilados expatriados; bueno, ya que están jubilados, no están ganando dinero en el extranjero, ¿cómo afecta eso a sus fondos de jubilación o a su seguridad social? ¿Qué deben hacer para seguir siendo legales según las directrices del IRS? Cosas así.
¿Cuánto tiempo se dedicó a la investigación y a la recopilación de información?
Diría que fueron unos 12 meses muy buenos durante un periodo de 2,5 años. Una hora aquí, unas horas allí. En total Probablemente trabajamos alrededor de 30-40 horas a la semana.
Nos metemos en un lío cuando alguien menciona un vlog. Es como: ¡Oh, no me había dado cuenta de eso y nosotros tampoco! Luego empezamos a buscar en Google esa mención o algo así.
¿Cuáles son algunos de los desafíos que prevé durante y después del traslado?
La primera es decidir qué vamos a llevar con nosotros, qué vamos a vender. ¿O simplemente vamos a llevar una maleta y dejarlo ahí?
También tenemos un perro de 65 libras que es antiguo. Estamos teniendo problemas, ¿deberíamos pagar para que lo envíen? ¿Deberíamos esperar hasta que él muera? Es difícil de pensar.
¿Cuál es lo más sorprendente que has aprendido mientras te preparas para mudarte?
La atención médica fue lo más sorprendente. Oímos historias horribles sobre la atención médica en otros países. Pero en realidad, su sistema de salud accesible es mejor que el de Estados Unidos y mucho más barato. En Panamá, hay un Johns Hopkins en la ciudad de Panamá que cualquiera puede visitar. Se considera un hospital privado, pero cuesta aproximadamente la mitad de lo que sería ir a Johns Hopkins en Maryland, para dar una idea.
¿Qué cambiarías en el proceso de preparación si pudieras empezar de nuevo?
Quizás habríamos pasado más tiempo investigando temas como la atención sanitaria y un poco menos tiempo buscando lugares para vivir. No tanto en las ciudades, sino en el coste de alquilar en comparación con comprar una vivienda en cada una de nuestras áreas de destino. Hubiéramos perdido mucho tiempo mirando eso. Pero en lugar de dedicar todo ese tiempo y energía a la búsqueda de alojamiento, deberíamos haber escuchado los consejos que nos estaban dando: no te preocupes por dónde vivirás porque ellos no publican anuncios inmobiliarios como los que hacemos en Estados Unidos. Muchas de las opciones que encontrarás una vez estés en el país no se publican en ningún sitio en línea. Así que podrás averiguarlo una vez estés allí hablando con los lugareños y buscando carteles de alquiler.
¿Cuál es el consejo que darías a alguien que esté pensando en mudarse al extranjero?
Solo tienes que hacer tu investigación. Asegúrate de visitar los 1-2 países que más te interesen para comprobar que son adecuados para ti. Debes ponerte en el terreno para asegurarte de que encajas en el lugar al que te has decidido trasladar.
¡Gracias!
StartAbroad está aquí para ayudar
Navigarse en el proceso de mudarse al extranjero puede ser complicado. StartAbroad ofrece un servicio de apoyo para la solicitud de visado, sobre el cual puede obtener más información. aquí.
También puedes hablar con un especialista en mudanzas de forma gratuita programando una consulta de 15 minutos o contactando con info@startabroad.com.
. ## Step 2: Choose the Right Costa Rica Visa or Residency Option Costa Rica offers several routes for Americans who intend to stay beyond an ordinary tourist visit. Some are designed for people receiving foreign income or making investments. Others permit a limited stay while continuing to work remotely. ### Costa Rica Visa and Residency Options in 2026 | Category | Main financial requirement | Intended applicants | |---|---|---| | Tourist entry | Proof of sufficient funds | Short-term visitors | | Digital Nomad | $3,000 monthly foreign remote-work income, or $4,000 with dependents | Remote workers | | Pensionado | $1,000 monthly qualifying lifetime pension | Retirees | | Rentista | $2,500 monthly qualifying stable income (need to deposit $60k USD in a Costa Rican bank account) | People with independent income | | Inversionista | Conservative investment planning figure of $200,000; confirm current minimum | Investors | These are the principal financial thresholds. Each category also has documentary and legal requirements. Temporary residency can generally be renewed after two years. After three consecutive years of qualifying temporary residency, you can apply for permanent residency, subject to the applicable requirements. ### Pensionado Residency for Retirees The Pensionado category is available to people receiving a qualifying lifetime pension. Applicants must demonstrate at least $1,000 per month in permanent, stable pension income from abroad. U.S. Social Security retirement benefits can qualify. Certain private pensions and government retirement payments may also be accepted. The applicant must provide official evidence confirming the amount and nature of the payments. Pensionado provides temporary residency, which can be renewed while the applicant continues to meet the relevant requirements. ### Rentista Residency and the Two-Year Income Requirement The Rentista program is intended for people with qualifying stable income who do not meet the Pensionado requirements. Applicants must demonstrate at least $2,500 per month in stable income generated abroad or through Costa Rica's national banking system. Under Costa Rica's immigration law, the relevant income must be permanent and stable. For a residence period of up to two years, applicants need evidence supporting the required income throughout that period. One commonly used arrangement involves depositing $60,000 with an eligible Costa Rican bank and obtaining documentation of a monthly income arrangement equivalent to $2,500 for 24 months. This is not the only possible way to demonstrate financial eligibility. The immigration authority must accept the source and documentation of the income. Rentista residents also need to continue meeting the relevant financial conditions when renewing their status. For someone using a bank deposit, renewal may require fresh certification or renewed financial arrangements. Ordinary salary income should not automatically be assumed to satisfy the Rentista criteria. ### Inversionista Residency for Investors The Inversionista category is intended for foreign nationals making qualifying investments in Costa Rica. For planning purposes, allow $200,000 for a qualifying investment. This is a conservative budget figure rather than a statement of the minimum specified in Decree 43926. Eligible investments can include certain real estate, shares, registered assets and qualifying business or productive projects. There is an important legal distinction in 2026. Law 9996 introduced a lower investor-residency threshold alongside a series of tax incentives for qualifying investors, Rentista residents and pensioners. The five-year period for claiming specified incentives ended in July 2026. The published implementing regulation still states a lower threshold than the conservative $200,000 planning figure used here. Anyone planning a new investor-residency application should confirm the applicable requirements directly with the immigration authority or qualified local counsel before committing funds. The investment must satisfy the rules for its category and generally be maintained while the person holds the relevant temporary residency status. Buying property does not automatically grant residency. ### Costa Rica Digital Nomad Visa Costa Rica's digital nomad visa is designed for people providing remote services to employers or clients outside Costa Rica. Applicants must demonstrate: - At least $3,000 per month in qualifying foreign remote-work income. - At least $4,000 per month when applying with dependents. - Medical insurance providing at least $50,000 in qualifying coverage. - The required evidence of foreign income. The initial authorization is valid for one year, with the possibility of renewal for another year. To renew, applicants must demonstrate that they spent at least 80 days in Costa Rica during the relevant period. The digital nomad visa therefore permits an eligible stay of up to two years. However, it is legally classified as *estancia*, or permission to stay, rather than ordinary temporary residency. It does not provide a direct route to permanent residency. This distinction matters for Americans with remote jobs who may eventually want to settle in Costa Rica permanently. Applications are handled through the [official Trámite Ya platform](https://tramiteya.go.cr/dgme/). ### Which Visa Is Best for Moving to Costa Rica Permanently? Pensionado, Rentista and Inversionista are generally more relevant to Americans seeking a long-term residence route. The digital nomad program may be suitable for someone planning a shorter stay while continuing foreign employment. Each has different income requirements, renewal obligations and restrictions on local work. For a detailed comparison, see StartAbroad's [Costa Rica visa, residency and citizenship guide](https://startabroad.com/resource/costa-rica-visa-residency-and-citizenship-options/). For guidance on which route fits your circumstances, [book a call with StartAbroad](https://startabroad.com/get-started/) to discuss your case. ## Step 3: Calculate the Cost of Moving to Costa Rica Costa Rica can be less expensive than many U.S. cities, particularly for some housing and healthcare expenses. However, it is not uniformly inexpensive. Housing in popular beach communities can be expensive, and imported goods, vehicles and electronics often cost more than newcomers expect. A household relocating from New York or San Francisco may see substantial savings. Someone moving from a smaller American city with affordable housing may find the difference less significant. Claims that Costa Rica is automatically 30–50% cheaper than the United States are too broad to use as a general rule. ### How Much Does It Cost to Live in Costa Rica? The following figures provide an indicative monthly budget for different households. | Household | Estimated monthly budget | |---|---| | Single person in an affordable inland location | $1,600–$2,400 | | Couple in the Central Valley | $2,000–$3,500 | | Couple in a popular coastal community | $2,500–$4,000+ | | Family with children | $3,000–$6,000+ | These are planning ranges, not official national averages. A couple can potentially live comfortably on $2,000–$3,000 per month in some locations, particularly with modest housing costs and limited car expenses. That budget may not be realistic for a family renting a large home in an expensive coastal community. For families with children, school fees and transportation can be major expenses. International schools can add thousands of dollars to annual household spending. ### Typical Everyday Expenses National consumer-price data from 2026 provides a useful starting point. | Expense | Approximate monthly cost | |---|---| | One-bedroom apartment in a city center | ₡416,000 | | One-bedroom apartment outside a city center | ₡300,000 | | Three-bedroom apartment in a city center | ₡804,000 | | Three-bedroom apartment outside a city center | ₡547,000 | | Basic utilities for an 85m² apartment | ₡45,000 | | Broadband internet | ₡27,000 | | Mobile phone plan | ₡14,000 | These are crowd-sourced national estimates, not asking rents for specific properties. For example, a modern furnished apartment in Tamarindo can cost substantially more than the national one-bedroom average. Rent also varies within Guanacaste. It would be misleading to present a $198 studio apartment as a representative rental price for the entire province. The more useful approach is to compare actual long-term listings in the town where you intend to live. StartAbroad's [Costa Rica cost-of-living guide](https://startabroad.com/resource/costa-rica-cost-of-living-for-expats/) provides a broader breakdown of everyday expenses. ### How Much Should You Budget for the Actual Move? Initial relocation expenses are separate from regular living costs. They can include immigration fees, background checks, apostilles, translations, legal assistance, flights, temporary accommodation and rental deposits. Shipping household goods can add considerably to the total. A few thousand dollars may cover a relatively small move involving luggage, document preparation and limited setup expenses. It is not a reliable budget for a household shipping furniture and other possessions internationally. The commonly quoted $3,000–$5,000 moving budget should therefore be treated as a possible limited-move scenario, not a universal estimate. Obtain specific quotations before calculating the final amount. ## Step 4: Choose Where to Live in Costa Rica For Americans moving to Costa Rica, location affects housing costs, weather, healthcare and transportation. The Central Valley offers a different experience from the country's Pacific and Caribbean coasts. ### San José, Escazú and Santa Ana San José is the capital and the country's principal urban center. Escazú and Santa Ana, west of the city, are popular residential areas with access to private hospitals, shopping centers and international schools. They are practical choices for people who want urban services nearby. Housing in desirable neighborhoods can be expensive, but residents have access to a wider range of facilities than in many rural communities. ### Atenas and Grecia Atenas and Grecia are established towns in the Central Valley. They attract foreign residents looking for a quieter residential setting within reach of larger population centers. Atenas is frequently promoted for its climate. Its elevation can provide milder temperatures than lowland coastal areas, although claims that it has the best climate in the world or consistently perfect weather are subjective. Grecia offers another alternative for people who prefer a smaller town to central San José. Both should be assessed based on the specific property, road access and distance to essential services. ### Tamarindo and Guanacaste Tamarindo is one of the better-known beach towns in Guanacaste, particularly for surfing, restaurants and tourism services. Guanacaste is also known for its Pacific beaches and a pronounced dry season in many areas. The region attracts international residents, but housing prices vary considerably between towns. Tamarindo and other popular coastal communities can have high rental prices, especially near the beach. A car may also be useful depending on where the property is located. ### Nosara and Manuel Antonio Nosara is associated with surfing, wellness activities and an established international community. Property prices in sought-after areas can be high. Manuel Antonio, further south along the Pacific coast, is known for its national park, beaches and tourism businesses. Both locations have accommodation and services aimed at international visitors, although traffic, rental costs and seasonal demand should be considered. ### Uvita and Puerto Viejo Uvita is located in Costa Rica's Southern Zone on the Pacific coast. It appeals to people seeking residential properties near beaches and natural areas, but access to specialist medical care and other services may involve longer journeys. Puerto Viejo, on the Caribbean coast, has a different atmosphere and climate from the Pacific beach towns. The area has Caribbean cultural influences, restaurants, smaller communities and access to beaches. Rainfall patterns also differ from those on the Pacific side, so it is important to understand local seasonal conditions before choosing a property. ### Should You Rent Before Buying? Renting for at least six months before buying is a useful practical approach for many newcomers. It gives you time to assess the area during different seasons, compare housing options and understand transportation needs. However, six months is a suggested trial period, not a statutory rental term. Costa Rica's residential tenancy law generally establishes a minimum legal lease duration of three years for ordinary residential rentals, even where a shorter term is written into the agreement. Different arrangements may apply to qualifying temporary accommodation. Anyone intending to rent for only six months should obtain legal advice on the appropriate agreement and the obligations involved. Before signing, inspect the property's internet connection, water supply, drainage, road access and maintenance arrangements. For a broader location comparison, see StartAbroad's [Costa Rica real estate and rentals guide](https://startabroad.com/resource/costa-rica-real-estate-and-rentals-for-expats/). ## Step 5: Gather Your Documents for Costa Rica Residency Document preparation is one of the more time-consuming parts of the residency process. Ordinary temporary residency applications commonly require: - A valid passport. - A certified birth certificate. - A criminal background check. - Marriage and birth certificates for accompanying family members, where applicable. - Proof of qualifying pension, income or investment. - Completed immigration forms. - Evidence of payment of the applicable fees. The exact requirements depend on the residency category. Reach out to [StartAbroad](https://startabroad.com/get-started/) for more information and advice tailored to your case. ### FBI Background Check American applicants for ordinary residency generally need an FBI Identity History Summary. The FBI charges $18 for the background check itself. Fingerprinting and additional services may cost extra. Applicants can request the document through the [official FBI Identity History Summary service](https://www.fbi.gov/how-we-can-help-you/more-fbi-services-and-information/identity-history-summary-checks). ### Apostilles and Spanish Translations Foreign public documents submitted for Costa Rican immigration purposes generally require appropriate authentication. An FBI background check is a federal document and requires an apostille through the U.S. Department of State. State-issued birth and marriage certificates generally require apostilles from the relevant state authority. Documents that are not in Spanish usually need an official translation meeting Costa Rican immigration requirements. It is important to confirm whether the translation must include the apostille and supporting certification. Some records must also be relatively recent at the time of submission. Ordering everything too early can result in documents needing to be replaced. [Read the U.S. Department of State's apostille guidance](https://travel.state.gov/en/replace-certify/authenticate-documents/apostille-certificate.html). ## Step 6: Submit Your Costa Rica Residency Application Ordinary residency applications are administered by the Dirección General de Migración y Extranjería, or DGME. Depending on the category, applicants may need to complete immigration registration, fingerprinting, fee payments and submission of supporting documentation. The application can also involve responding to requests for missing or corrected information. ### How Long Does the Residency Process Take? Ordinary residency applications can take several months, and delays are possible. For practical planning, allowing roughly eight to fourteen months for the broader process may be sensible, although actual waiting times vary. This is not an official processing guarantee. The digital nomad procedure is separate. Its regulations provide a 15-calendar-day decision period for complete applications, although outstanding documents and final administrative formalities can extend the process. Applicants should not assume that submitting an application immediately grants all the rights of an approved resident. ### How Often Must Temporary Residency Be Renewed? Costa Rica's General Immigration Law allows temporary residency to be granted for a defined period of more than 90 days and up to two years, with renewal possible for an equivalent period. Many Pensionado, Rentista and Inversionista residents therefore hold documentation with a two-year validity period. However, renewal should follow the actual expiration date and conditions stated in the applicant's immigration documentation. Rentista residents may need to show that their qualifying income continues. Inversionista residents generally need to demonstrate that the relevant investment has been maintained. Residents must also comply with applicable healthcare enrollment and contribution requirements. Temporary residents should keep records of their immigration deadlines rather than assuming every category renews automatically after two years. ## Step 7: Arrange Property, Shipping and Transportation The physical move can involve its own paperwork, particularly if you are importing household goods or buying real estate. ### Can Americans Own Property in Costa Rica? Yes. Foreigners can generally own properly titled Costa Rican property on the same basis as Costa Rican citizens. However, this general principle does not apply without restriction to every type of land. Properties within the Maritime-Terrestrial Zone are subject to special rules governing public land, concessions and foreign participation. Coastal land within this zone should be reviewed carefully before a purchase. A qualified Costa Rican attorney and notary should examine the property's title, registration, boundaries and any liens or restrictions. Property ownership does not automatically grant residency. ### Property Tax in Costa Rica Ordinary annual property tax is generally 0.25% of the registered municipal value for taxable developed property. For example, a property assessed at $200,000 would generate an annual tax of approximately $500 at that rate. Municipal assessments are not necessarily the same as the purchase price. Additional municipal charges and other property-related taxes may apply. Anyone buying property should confirm the current assessment, applicable tax rate and outstanding municipal obligations before completion. ### Shipping Household Goods to Costa Rica International household moves are commonly arranged using shared freight space or dedicated shipping containers. Two standard container sizes used for international shipments are: - **20-foot containers:** Commonly suitable for smaller household shipments, depending on the volume of furniture and belongings. - **40-foot containers:** Used for larger moves requiring substantially more space. Shipping costs vary based on the departure location, container size, freight method, customs handling and final delivery address. A full quotation should identify what is included, particularly port fees, inland transport and customs-related charges. ### Can You Import Household Goods Tax-Free? Law 9996 introduced tax exemptions for certain household goods and vehicles imported by qualifying Pensionado, Rentista and Inversionista beneficiaries. Those benefits were subject to legal conditions and a five-year application window that ended in July 2026. For a new relocation after that deadline, it is not safe to assume that household goods or vehicles can still be imported tax-free under the earlier incentive scheme. Before booking a shipment, confirm whether any current exemption applies to your circumstances. Costa Rica can impose substantial import costs on certain goods, including electronics, vehicles and other consumer products. In some cases, replacing items locally may be more economical than shipping them from the United States. ### Can You Drive in Costa Rica With a US License? Americans can use a qualifying U.S. driver's license while visiting Costa Rica, subject to the applicable traffic rules and permitted driving period. The right to drive using a foreign license should not be assumed to last automatically for the entire maximum tourist stay. Eligible foreign drivers can apply to have their license recognized through the Costa Rican licensing authority. Requirements depend on immigration status and the applicant's documents. Check the current process through the [Ministry of Public Works and Transport](https://www.mopt.go.cr/). ## Step 8: Arrange Healthcare and Insurance Costa Rica's national healthcare system is administered by the Caja Costarricense de Seguro Social, commonly known as CAJA or CCSS. The public system operates alongside private hospitals and clinics. Qualifying legal residents generally need to maintain CCSS enrollment and the applicable contributions as part of their immigration obligations. ### Does CAJA Cover Medical Treatment and Prescriptions? CAJA provides insured patients access to a wide range of medically indicated healthcare services. These can include consultations, hospital treatment, surgery, diagnostic services and medications supplied under the public system. However, saying that CAJA provides unconditional 100% coverage for every medical procedure and prescription would be misleading. Coverage depends on eligibility, the services available within the public system, clinical decisions and the applicable medication formulary. Some treatments may involve waiting periods or referral procedures. A medication available privately is not necessarily available under the same conditions through CAJA. ### How Much Does CAJA Cost? Monthly CAJA contributions depend on the applicable insurance category and income assessment. It is common to see expat guides cite rates of approximately 7–11% of income. However, this should not be presented as a universal contribution range for every resident. CCSS contribution rules differ between salaried employees, self-employed workers, voluntary insured persons and pensioners. For voluntary insurance, the contribution depends on the applicant's reference income and the applicable contribution scale. Prospective residents should obtain an individual assessment rather than calculate their healthcare budget using a fixed percentage. ### Do You Need a DIMEX Card to Enroll in CAJA? Not necessarily. A DIMEX is an important identification document for foreign residents, but official CCSS rules also recognize certain other documents in appropriate circumstances. Depending on the person's immigration status, enrollment or identification may be possible using a valid passport and the relevant immigration approval documentation, including documents issued before the final DIMEX is received. The sequence can therefore involve immigration approval, CCSS registration and then completion of the residency identification process. New applicants should confirm the specific documents accepted by the relevant CCSS office. ### Should You Also Have Private Healthcare? Many expats maintain private healthcare options alongside CAJA. Private insurance or direct payment may offer greater flexibility when arranging specialist consultations or treatment at private hospitals. This can be particularly relevant for people living outside the Central Valley, where major specialist facilities may be further away. Americans should also remember that Medicare generally does not cover routine treatment outside the United States. Applicants under the digital nomad category have a separate mandatory insurance requirement, including at least $50,000 in qualifying medical coverage. For further information, see StartAbroad's [Costa Rica healthcare and health insurance guide](https://startabroad.com/resource/costa-rica-healthcare-and-health-insurance-for-expats/). ## Step 9: Open a Costa Rican Bank Account and Review Your Taxes Banking and taxation require attention before relocating, especially for Americans who intend to keep earning income from the United States. ### Opening a Costa Rican Bank Account Americans can open bank accounts in Costa Rica, subject to the institution's identification and compliance requirements. Banks may request: - A valid passport or immigration identification. - Proof of address. - Evidence of employment or income. - Documentation explaining the source of deposited funds. - Additional information required for financial compliance. Requirements vary between banks and account types. A local bank account can make paying rent, utilities and other expenses easier. For applicants using a deposit-based Rentista arrangement, a Costa Rican bank may also play a role in demonstrating the required monthly income. It is useful to maintain access to a U.S. bank account while establishing local banking arrangements. ### Do Americans Still Pay US Taxes? U.S. citizens generally remain subject to U.S. federal income-tax rules on worldwide income, even when they live abroad. Eligible taxpayers may qualify for the Foreign Earned Income Exclusion or Foreign Tax Credit. For the 2026 tax year, the maximum Foreign Earned Income Exclusion is $132,900 per qualifying person. Claiming the exclusion requires meeting the relevant conditions. It does not mean all foreign income is tax-free or that the person no longer needs to file a U.S. tax return. Americans may also have reporting obligations relating to foreign financial accounts. An FBAR is generally required when the combined value of reportable foreign financial accounts exceeds $10,000 at any point during the calendar year. [Read the IRS guidance for U.S. citizens living abroad](https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-residents-abroad-filing-requirements). ### Does Costa Rica Tax Foreign Income? Costa Rica generally operates a territorial income-tax system. In broad terms, this means that the source of income is important in determining whether Costa Rican income tax applies. However, income paid from abroad is not automatically exempt simply because the employer or bank is located outside Costa Rica. The location where services are physically performed and the nature of the income can affect its tax treatment. The digital nomad program includes specific tax provisions for qualifying foreign remuneration. Americans who own businesses, work remotely or receive income from several sources should obtain advice covering both U.S. and Costa Rican tax obligations. ## Step 10: Complete Your Move and Settle Into Costa Rica After arrival, you may need to complete immigration appointments, enroll in healthcare and obtain your Costa Rican identification documents. The DIMEX is the immigration identity document issued to qualifying foreign residents and certain other approved immigration categories. The precise documentation process depends on the status granted. Other practical tasks include arranging utilities, maintaining financial records and keeping track of renewal deadlines. ### Moving to Costa Rica With Children Families should investigate schools before committing to a neighborhood. International schools are concentrated around the San José metropolitan area and certain established coastal communities. Tuition, admissions requirements and school transportation differ substantially. Families should also establish which civil documents are required when children accompany a parent under a residency application. Some family-based immigration routes may be available to parents of qualifying Costa Rican children, but the child's nationality and relevant legal relationship must be established under the applicable rules. ### Moving Pets From the US to Costa Rica Dogs and cats can be brought from the United States to Costa Rica when the applicable animal-health requirements are met. An international veterinary health certificate must be completed by a USDA-accredited veterinarian and endorsed by USDA APHIS. The required vaccinations, treatments and examination dates must satisfy Costa Rican entry rules. An import permit is required for unaccompanied pets. Because veterinary certificates have validity periods, owners should arrange the examination and endorsement schedule before booking transport. [Review the official USDA pet travel requirements for Costa Rica](https://www.aphis.usda.gov/pet-travel/us-to-another-country-export/pet-travel-us-costa-rica). ### Adjusting to Life in Costa Rica English is widely used in many tourist-oriented businesses and international communities. In towns such as Tamarindo and Puerto Viejo, it is possible to encounter English-speaking staff in restaurants, hotels and other services. That does not mean English is sufficient for every aspect of daily life. Government offices, local banks, landlords and healthcare providers commonly operate in Spanish. Learning basic Spanish is particularly useful for arranging appointments, understanding official instructions and dealing with unexpected problems. Costa Rican Spanish also includes distinctive expressions, sometimes referred to as *Tico Spanish*. For example: - **Pura vida:** Used as a greeting, farewell, thanks or expression that things are going well. - **Mae:** An informal word used to address or refer to someone, similar to “dude” or “mate.” - **Tuanis:** A colloquial expression meaning good, nice or cool. - **Brete:** An informal term for work or a job. Polite greetings and forms of address are useful in everyday interactions, although communication styles naturally differ between individuals and communities. The expression *pura vida* is often associated with appreciation, optimism and a relaxed approach to daily life. It is also simply something Costa Ricans say in ordinary conversation. Learning when people use it is more useful than treating it as a promise that life will always move slowly. Administrative procedures can take longer than Americans are accustomed to, particularly when documents need authentication or several institutions are involved. Keeping copies of official records and confirming appointments can prevent unnecessary repeat visits. ## Can Americans Work in Costa Rica? Employment rights depend on immigration status. The digital nomad visa permits qualifying remote work for employers or clients outside Costa Rica. Ordinary Pensionado and Rentista residents generally cannot take local employment without the appropriate authorization. Investors may own a business, but business ownership does not automatically authorize every form of paid work within that company. Permanent residents generally have broader rights to work in the local economy. ### Can American Expats Teach English in Costa Rica? Teaching English is one possible employment option, particularly in private language schools and educational institutions. However, a foreign national must have the legal right to perform the work. A tourist stay, Pensionado status or digital nomad authorization should not be treated as general permission to accept local teaching employment. Americans considering teaching, working for a Costa Rican company or starting a business should confirm the appropriate immigration and professional requirements. ## Can Americans Get Permanent Residency in Costa Rica? Yes. Foreign nationals who have held qualifying temporary residency for three consecutive years can generally apply for permanent residency, subject to the applicable requirements. This route is relevant to qualifying Pensionado, Rentista and Inversionista residents. Permanent residency is not granted automatically after three years. An application and the relevant documentation process are required. Permanent residents generally have broader local employment rights than people holding ordinary income-based temporary residency. They must still comply with applicable identification and healthcare requirements. ### Can Americans Obtain Costa Rican Citizenship? Americans may eventually become eligible to apply for Costa Rican citizenship through naturalization. For U.S. nationals without a qualifying alternative basis, the ordinary constitutional residence period is generally seven years of official residence, along with other statutory requirements. Applicants may also need to demonstrate knowledge of Spanish and Costa Rican history and civic matters. Permanent residency and citizenship are separate legal statuses. Costa Rica and the United States permit dual citizenship in relevant circumstances, although applicants should review the consequences of naturalization in their individual situation. [Read the U.S. Department of State's explanation of dual nationality](https://travel.state.gov/content/travel/en/legal/travel-legal-considerations/Relinquishing-US-Nationality/Dual-Nationality.html). ## How Long Does It Take to Move From the US to Costa Rica? The physical relocation may take only a few weeks to arrange once accommodation and transport have been confirmed. The immigration process is usually longer. | Stage | Practical planning period | |---|---| | Research locations and immigration routes | 3–6 months before moving | | Choose the relevant residency category | Before preparing category-specific documents | | Obtain civil documents, background checks and apostilles | Often 1–3 months | | Arrange accommodation and transport | 1–2 months before departure | | Submit the residency application | According to the applicable procedure | | Complete ordinary temporary residency processing | Potentially several months or longer | | Finalize healthcare and identification documentation | As required following approval | These are planning estimates, not official government processing deadlines. For digital nomads, the immigration procedure and timing are different from those for ordinary residence. Anyone planning to relocate permanently should distinguish between arriving in Costa Rica and obtaining approved residency. ## Common Mistakes Americans Make When Moving to Costa Rica **Choosing an immigration category based only on the income threshold.** The source, stability and documentation of income are also important. **Assuming tourist entry is a long-term solution.** A tourist stay is temporary, and re-entry is never guaranteed. **Ordering documents too early.** Some records must be recent at the time of submission and may need to be replaced if they become outdated. **Buying property before checking legal restrictions.** Coastal concession arrangements and ownership details can complicate transactions. **Assuming a six-month rental contract is straightforward.** Costa Rica's residential tenancy rules may establish longer legal terms than the period written into an ordinary lease. **Using outdated import-tax information.** The July 2026 deadline for specified incentives under Law 9996 matters when planning household shipments. **Budgeting for CAJA using a single percentage.** Contributions depend on the applicable insurance category and income assessment. **Assuming foreign income is always exempt from Costa Rican tax.** Income-source rules and immigration-specific provisions require separate review. **Moving without health insurance.** New arrivals may not yet qualify for public coverage, while digital nomads must satisfy a specific insurance requirement. ## How StartAbroad Can Help You Move to Costa Rica StartAbroad assists Americans preparing to relocate internationally, including those applying for Costa Rican residency. The process can involve choosing an immigration category, preparing financial and civil documents, coordinating applications and arranging practical details before and after arrival. For someone planning a permanent move, the first step is to determine which legal route fits their income and long-term plans. [Explore StartAbroad's Costa Rica relocation services](https://startabroad.com/services-costa-rica/). ## Frequently Asked Questions About Moving to Costa Rica From the US ### Can a US citizen move to Costa Rica permanently? Yes. U.S. citizens can apply for qualifying temporary residency through categories such as Pensionado, Rentista or Inversionista. After three consecutive years of qualifying temporary residence, they may generally become eligible to apply for permanent residency. ### Can Americans stay in Costa Rica for 180 days without a visa? U.S. citizens generally do not need to obtain a tourist visa in advance and may be admitted for up to 180 calendar days. The actual permitted stay is determined by the immigration officer at entry. ### Does Rentista require $2,500 per month for two years? Rentista requires qualifying stable income of at least $2,500 per month. A two-year income arrangement is commonly used for a residence period of up to 24 months. One method involves depositing $60,000 with an eligible Costa Rican bank and obtaining the required certification. Applicants must continue meeting the applicable income conditions at renewal. ### How often must temporary residency be renewed? Costa Rican law allows temporary residency to be issued for a period of more than 90 days and up to two years, renewable for a similar period. The actual renewal deadline depends on the status and immigration documentation issued. ### Can a couple live comfortably in Costa Rica on $2,000–$3,000 a month? It may be possible in some Central Valley and inland locations, depending on rent, healthcare, transportation and lifestyle. That budget may be restrictive in popular coastal communities or for households with substantial additional expenses. ### Is Costa Rica 30–50% cheaper than the United States? There is no reliable single percentage that applies to every household. Some expenses can be considerably lower than in expensive U.S. cities, while imported goods, cars and housing in desirable coastal areas can be relatively expensive. ### Should you rent for six months before buying property? Spending approximately six months in an area before buying can be useful. However, Costa Rica's ordinary residential tenancy rules generally establish a minimum legal lease term of three years. Anyone seeking shorter accommodation should confirm the applicable contractual arrangements. ### Can Americans buy property in Costa Rica? Yes. Foreign nationals can generally own properly titled real estate. Special restrictions apply to certain coastal concession properties and other legally regulated land. ### Can you import household goods tax-free? Costa Rica introduced exemptions for qualifying residents under Law 9996, but the specified five-year benefit period ended in July 2026. New applicants should not assume that the earlier household-goods exemption remains available without confirming the current rules. ### Does CAJA cover all medical procedures? CAJA provides access to a broad range of healthcare services for eligible insured residents. However, coverage depends on clinical needs, eligibility and services provided through the public system. It should not be described as guaranteeing every treatment or prescription without restrictions. ### How much are monthly CAJA contributions? Contributions vary according to insurance category and the applicable income assessment. A fixed percentage cannot reliably be applied to every resident. Applicants should obtain a calculation for their individual circumstances. ### Do you need a DIMEX to register for CAJA? Not necessarily. Depending on the person's circumstances, CCSS may accept a passport and relevant immigration approval documentation before the final DIMEX is issued. ### Can you work remotely from Costa Rica for a US employer? Yes, under the relevant legal conditions. The digital nomad category is specifically intended for qualifying remote services provided to employers or clients outside Costa Rica. Other immigration categories have different rules governing employment. ### Can Americans teach English in Costa Rica? Teaching English may be an employment option, but applicants need the appropriate legal authorization to work locally. Tourist status and ordinary income-based residence categories do not automatically permit employment at a Costa Rican school. ### Is English widely spoken in Costa Rica? English is common in many tourist-facing businesses and international communities. Spanish remains the main language for government services, local banking and everyday administration. ### Do you need to learn Spanish before moving? Spanish proficiency is not generally required for the principal Pensionado, Rentista or digital nomad applications. However, basic Spanish is highly useful for daily interactions, particularly outside major tourist areas. ### What does pura vida mean? *Pura vida* is a common Costa Rican expression used in greetings, farewells, thanks and positive responses. It is often associated with a relaxed outlook, although its everyday meaning depends on context. ### Can Americans bring pets to Costa Rica? Yes. Dogs and cats can enter when the applicable health requirements are satisfied. A USDA-accredited veterinarian must prepare the required international health certificate, which must be endorsed by USDA APHIS. Unaccompanied pets require an import permit. ### How long does it take to get permanent residency? Qualifying applicants can generally seek permanent residency after three consecutive years of temporary residency. Approval is not automatic, and the application process takes additional time. ### Can Americans have dual US and Costa Rican citizenship? Yes. Dual citizenship is possible under both countries' laws. Applicants must satisfy the relevant Costa Rican naturalization requirements before obtaining citizenship.](https://startabroad.com/wp-content/uploads/2026/10/remote-work-2021-08-28-07-01-54-utc-1200x800-1-1024x683.jpg)
