Part one · 3 steps
Visa & residency
Start the Pensionado (pension-based) temporary residency path
Costa Rica's route for retirees. Plan on roughly $1,000/month of provable income — pension, Social Security, dividends — and expect the consulate to want it documented. The current read:
From our Grecia research
Costa Rica's Pensionado is one of the easiest retiree visas in the Americas: prove a guaranteed lifetime pension/Social Security of at least USD 1,000/mo (covers a couple), apostilled and authenticated. CAJA (national health system) enrollment is required — roughly 9-10% of declared income — with spouse and children under 18 covered at no extra cost. Apply at a consulate or in-country at Migración; the ~90-day legal target routinely stretches to 6-12 months. Approval yields a renewable 2-year DIMEX card. No local employment (remote work for foreign firms and investments are fine). Note: pensionado does NOT automatically make you a tax resident. (Alternative: Rentista at ~$2,500/mo for non-pensioners.)
Read the full Grecia profile →Get key documents apostilled + certified-translated
Birth/marriage certificates, background checks — start early; it's slow, and every residency application wants them.
Our visa paperwork guide →Decide who runs the move — you, or a concierge
Part two · 3 steps
Healthcare
Map your care in Grecia
Know where you'd go before you need it — the hospital for something serious, the specialist, the pharmacy that speaks English. Here's our current read:
From our Grecia research
Good everyday coverage with world-class backup nearby. Grecia has its own public hospital and a CAJA (national insurance) office, plus pharmacies with nurses on staff, GPs and some specialists, and notably a number of US-trained, English-speaking doctors. Most residents enroll in CAJA (mandatory with residency, ~9-10% of stated income) and many also use affordable private 'cash' doctors (~15-50% below US prices). For complex care, expats head ~40-60 min to San José's top private hospitals — CIMA (Escazú, tied to a US/Texas group), Clínica Bíblica, Hospital La Católica — all bilingual and excellent. A strong mix: local primary care plus world-class hospitals a short drive away.
Read the full Grecia profile →Know what Medicare does — and doesn't — cover abroad
Original Medicare generally doesn't cover care outside the US. Whatever your plan becomes, it has to answer that gap.
Medicare abroad, explained →Compare international / expat health insurance
See what international health plans actually cover — and what they cost.
Part three · 5 steps
Money & taxes
Pressure-test your Grecia budget
A comfortable month in Grecia runs about $2,312 for a couple, at current exchange rates. Build your own version on top of that base — your rent tier, your healthcare, your flights home — and see what's left over.
Build the real monthly number →Understand US taxes as an expat in Costa Rica
You still file US taxes abroad, and FBAR applies once foreign accounts pass $10,000. The country side matters just as much:
From our Grecia research
Very favorable. Costa Rica uses a strictly TERRITORIAL system: only Costa Rica-source income is taxed locally, so foreign pensions, US Social Security, and IRA/401(k) distributions are exempt for any resident. There is NO US-Costa Rica income tax treaty, but with foreign income untaxed locally, double taxation isn't an issue — US citizens use the Foreign Earned Income Exclusion/Foreign Tax Credit as needed and keep filing US returns (Form 1040, plus FBAR/FATCA where thresholds apply). CAJA contributions are a health-system payment, not income tax. The US still taxes worldwide income. Confirm specifics with a cross-border tax advisor.
Read the full Grecia profile →Set up low-fee international money transfers
Bank wires quietly cost 3–5% in bad FX; specialists are far cheaper.
Have someone check the retirement math before you commit
Plan day-to-day cash + card access (and a backup card)
Check your cards' foreign-ATM fees before you go, and carry a backup card on a different network in case one gets swallowed.
Part four · 4 steps
The scouting trip
Book the Grecia reconnaissance trip
Not a vacation — a rehearsal. Rent in an ordinary neighborhood for a few weeks and live a normal week: groceries, buses, a doctor's appointment, a quiet Tuesday. Getting there and back:
From our Grecia research
A real strength for an inland town. Grecia is only ~30-40 min from Juan Santamaría International (SJO), which has plentiful nonstop US service: Miami ~2h53 (American, ~17/wk and others), plus nonstops to Houston (United, Southwest), Dallas, Atlanta, Charlotte, and Newark across American, United, Delta, Southwest, and JetBlue. Short, frequent, cheap flights make trips home to most US hubs easy — a big edge over deep-South-America options.
Read the full Grecia profile →Compare trip insurance for the scouting trip
Read the safety picture for yourself
Grecia sits under a US State Department Level 2 (“exercise increased caution”) advisory. Check the current one before you book, then weigh it against the on-the-ground picture:
From our Grecia research
One of the safer expat areas in Costa Rica. Grecia is a clean, walkable small town with police patrols, citizen groups, and a low crime rate — low-to-moderate risk and notably calmer than San José's core or high-transient beach zones (Atenas and San Ramón rank similarly). Violent crime is rare; the issue is 'crimes of opportunity' — petty theft of unsecured items and occasional break-ins. Basic precautions (lock up, don't flash valuables, avoid empty areas at night) go a long way, and women generally report feeling comfortable. Costa Rica's advisory is US State Dept Level 2, but most violent crime clusters in Limón province, around SJO airport, and parts of San José — not Grecia.
Read the full Grecia profile →Test the season, not the postcard
Every place has a month the brochures skip. If you can, scout in the worst one:
From our Grecia research
Classic Central Valley 'eternal spring' at ~3,100 ft. Days typically upper-70s°F, nights low-60s — comfortable year-round, A/C and heat rarely needed. Two seasons: dry 'summer' mid-Dec-Apr (sunny, warmer afternoons up to mid-80s) and green 'winter' rainy season May-mid-Dec, with reliable afternoon downpours peaking around Sept-Oct. Mornings usually stay sunny even in the wet months; humidity is moderate, not coastal-sticky.
Read the full Grecia profile →Part five · 6 steps
The move itself
Rent first — live a full season before you even think about buying
The single biggest regret-saver. The market isn't going anywhere.
Book a short-term furnished rental for your landing
Give yourself 1–3 months to find the right neighborhood.
Decide what to ship, store, or sell
Shipping a household is expensive; many movers regret over-shipping.
Re-home your US mail before you go
Banks, the IRS, Medicare — the mail keeps coming after you leave. Keep a US address you check from anywhere, or hand the whole job to a service.
Sort pet import + airline requirements early
Timelines for vaccines and paperwork can be months.
Our pet-move guide →Scan and cloud-back-up every key document
Passports, prescriptions, insurance cards, the marriage certificate — one folder you can open from any phone, anywhere.
Part six · 4 steps
Settling in
Find your people in Grecia
Loneliness is the #1 reason people move home — build the community before you build anything else. What's already there:
From our Grecia research
A friendly, growing expat presence woven into an authentic Tico town rather than a gringo enclave. Grecia (with neighbors Atenas and San Ramón) is a well-known Central Valley landing spot for budget-minded North American retirees, with weekly farmers' markets, expat-oriented services, English-speaking doctors, and active community/Facebook networks. English turns up among expat-facing businesses and doctors, but this is a Spanish-speaking town — functional Spanish makes daily life much easier.
Read the full Grecia profile →Join the expat community before you arrive
Start the conversations months before the flight.
Our community guide →Set up a local SIM + home internet
If your phone's unlocked, an eSIM can cover you from day one; sort home internet once you have an address.
Start the language — even 20 words changes everything
Spanish is what your daily life will run in — the clinic front desk, the market, the neighbors. A head start pays off from day one.
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