Relocating to Mexico in 2025: A US Citizen's Essential Guide

Relocating to a new country is always exciting and life-changing, and for many Americans, moving to Mexico as a US citizen is always a good idea. Whether you're planning to retire, work remotely, start a new career, or explore the rich culture, Mexico offers countless benefits for American expats.

With a lower cost of living, warm climate, beautiful landscapes, and a rich cultural heritage, it’s no wonder that Mexico is one of the most popular countries for foreign nationals looking to make a fresh start. American expats can find vibrant communities, local businesses, and a place that combines modern amenities with traditional charm.

This guide provides all the information you need to know when considering a move to Mexico, including visa options, housing, healthcare, banking, safety, and more. Let's get started!

Why Move to Mexico?

Over a million foreigners, mostly Americans and Canadians, call Mexico their home. Here's why so many Americans and other expats love Mexico:

Affordability and Cost of Living in Mexico

One of the biggest draws for expats is the lower cost of living compared to other places worldwide. Everyday living expenses such as rent, food, transportation, and healthcare aren't as high as in the US and many European countries. For example:

• Rent is often 50-70% cheaper than in major US cities like Los Angeles or New York.

• In popular expat destinations, a comfortable lifestyle can be maintained on a monthly income of $1,800–$2,800.

• Street food and local markets offer delicious and affordable meals, often costing just a few dollars.

Proximity to the US

With Mexico covering such a large area and being close to the United States, flights between the two countries cost very little. Many expats choose locations near the US border for quick trips back home.

Vibrant Culture and Lifestyle

Mexico ranks as one of the top destinations for expats for many reasons, including a rich cultural heritage, warm climate, and welcoming Mexican residents. The country offers:

• A thriving arts scene

• World-class beaches

• Historic landmarks and museums

Digital Nomad and Remote Work Opportunities

Mexico has some of the best places for digital nomads and remote workers on the planet. While Mexico does not yet offer digital nomad visas, many foreigners enter on a tourist visa or a temporary resident visa, which can last up to four years and allow work in Mexico under certain conditions.

Easy Property Buying and Lower Building Costs

Owning property in Mexico is simple for foreigners, especially Americans. While some areas near beaches and borders have rules, a special trust (fideicomiso) makes it easy to own property.

Additionally, construction costs aren’t as high as in the United States, so building a home costs less. To find properties and learn more, Zisla makes the process even easier.

Visa Requirements for Living in Mexico

When planning to live in Mexico, securing the right visa is crucial. There's a wide range of visas available depending on how long you plan to stay, your income, and your work situation.

Tourist Visa (Up to Six Months)

The most common way for US citizens to enter Mexico is by applying for a tourist visa, also known as the FMM (Forma Migratoria Múltiple).

This visa allows US citizens to stay in Mexico for up to six months without applying for a residency visa. While this visa is perfect for a short visit, it’s not suitable for those looking to move to Mexico long-term.

Temporary Resident Visa (Up to Four Years)

For individuals who want to stay in Mexico for more than six months, a temporary resident visa is required. This residency visa is ideal for those looking to live in Mexico for up to four years.

To qualify, you will need to demonstrate sufficient financial resources, either through monthly income (typically around $4,185) or substantial savings (approximately $69,750).

The temporary resident visa allows you to open a bank account, purchase property through a bank trust (if applicable), and get a work permit if you're employed by a Mexican company or working remotely for a foreign employer.

Retirement Visa

A popular option under the temporary resident visa is the retirement visa, designed for individuals who wish to live in Mexico without working. To qualify, retirees need to show:

• A regular income of at least approximately $4,185 per month over the last six months.

• Qualifying savings or investments totaling at least approximately $69,750, maintained over the last 12 months.

Retirement visas allow retirees to open a bank account, rent property, and access healthcare. However, they can't work in Mexico. The temporary resident visa also provides the option to work in Mexico if you obtain a work permit (either through a Mexican employer or remote work for a foreign company).

Permanent Resident Visa

After residing in Mexico for several years on a temporary visa, US citizens can apply for a permanent resident visa, which allows them to stay indefinitely in the country.

To qualify for a permanent resident visa, you generally need to show a higher monthly salary (around $6,970) or substantial savings (approximately $278,800). The permanent residency status grants all the rights and benefits of a Mexican citizen, except for voting rights.

IMPORTANT NOTE: To apply for any of these Mexican visas, you will need to visit a local Mexican consulate in your home country (or in the border regions). The Mexican consulate will provide you with the visa rules and necessary information on how to submit your application.

The process typically includes submitting financial documentation, proof of income or savings, and meeting the visa requirements as set by the Mexican government.

Choosing the Right Location in Mexico

Mexico has a variety of living environments, from large cities with bustling culture and business opportunities to more serene towns. Each location is unique, and your choice depends on your personal preferences.

San Miguel de Allende

This colonial town charms with cobblestone streets, colorful buildings, and a vibrant expat community is a great choice for those who seek a quieter and more artsy environment.

Many American retirees and digital nomads call it home because it's one of the safest Mexican cities. San Miguel has a rich cultural heritage and offers a slower pace of life with access to modern amenities, but it’s much more affordable than living in Mexico City.

Playa del Carmen

If you dream of living by the sea, Playa del Carmen on the Riviera Maya is a popular choice for expats, including families, retirees, and digital nomads. This coastal town offers gorgeous beaches, a bustling tourist scene, and a thriving expat community.

The cost of living is generally lower than in the United States and the town offers excellent dining options, street food, and easy access to the Pacific Ocean.

Puerto Vallarta

This popular beach destination offers the beauty of the ocean alongside a vibrant expat community. Here, you can enjoy stunning nearby beaches, fine dining, and a relaxed lifestyle. Puerto Vallarta has many real estate options, from beachfront condos to budget-friendly homes in the hills.

For those wanting to live near the border, this region offers a mix of modern cities and smaller towns. A short drive separates cities like Tijuana and Ensenada from the United States, making it ideal for those who frequently travel between the two countries.

It also provides a unique combination of Mexico's culture and American influences, making it a smooth transition for many families, retirees, and digital nomads.

Baja California

For those wanting to live near the border, this region offers a mix of modern cities and smaller towns. Cities like Tijuana and Ensenada are only a short drive from the United States, making it ideal for those who frequently travel between the two countries.

It also provides a unique combination of Mexico's culture and American influences, making it a smooth transition for many expats.

Tulum

A paradise for those who love nature, sustainability, and quiet surroundings. This coastal town has stunning beaches, luxury villas, lush jungles, and eco-friendly communities. Many homes use solar power, natural materials, and open-air designs.

Tulum offers a relaxed vibe, but restaurants, boutiques, and co-working spaces keep life comfortable. Real estate demand keeps growing, making this a strong choice for investment.

Merida

A city full of history, colonial charm, and vibrant culture. Colorful streets, bustling markets, and a slower pace make life in Merida enjoyable. Living costs stay low compared to other major cities, but healthcare, safety, and modern comforts remain excellent.

Many expats enjoy warm communities, delicious Yucatecan cuisine, and quick access to Gulf Coast beaches. Home prices and rentals cost much less than in other popular destinations, making this a great option for retirees and families.

Cancun

Cancun has many beautiful beaches and makes a great choice for those looking for modern conveniences and investment opportunities. Some neighborhoods offer quiet surroundings while keeping restaurants, shopping, and entertainment within reach.

The international airport in Cancun makes travel simple, and a strong tourism industry creates many job and business opportunities. Beachfront condos, gated communities, and suburban homes provide options for different budgets and lifestyles and make Cancun a great investment option.

Conkal

A peaceful town near Merida, perfect for those looking to escape city noise while keeping modern comforts close. Wide-open spaces, green surroundings, and quiet streets make this ideal for families or retirees.

Property prices stay lower than in Merida, offering larger homes and more land for less money. Schools, hospitals, and shopping centers remain within easy reach, making daily life simple and convenient.

Renting or Buying a Property in Mexico?

While many expats start by renting, buying a home in Mexico offers long-term benefits that make it a more attractive option. Owning property allows you to build equity, secure a stable living situation, and avoid rising rental costs. Plus, with Mexico’s affordable real estate market, buying can be more cost-effective than renting in the long run.

Typical rent prices:

• San Miguel de Allende: $400–$1,200 per month

• Playa del Carmen: $400-$1,500 per month

• Puerto Vallarta: $500–$1,500 per month

Key advantages of buying over renting:

• Investment value: Property values in popular areas tend to appreciate over time.

• Financial stability: No rent increases or landlord restrictions.

• Customization: You can renovate or modify your home to fit your lifestyle.

• Rental income potential: If you don’t live in Mexico full-time, you can rent out your property for passive income.

US citizens can own land or property in Mexico. Canadians can also own property in Mexico. We recommend working with a real estate agent specializing in expat-friendly properties, such as Zisla, for a smooth buying process. They help navigate local laws, handle paperwork, and find properties that fit your needs—all while simplifying communication.

If you’re considering a long-term stay, buying a home in Mexico is a smart investment that offers security, financial benefits, and a place to truly call your own. With the proper guidance, buying property in Mexico is always a good idea and it's easier than you think!

Healthcare and Insurance in Mexico

Mexico offers excellent healthcare options for expats. The country boasts both public healthcare and private health insurance plans, ensuring that you can choose the type of coverage that works best for you.

Public Healthcare

The public healthcare system in Mexico is known as IMSS (Instituto Mexicano del Seguro Social). However, many expats prefer to purchase a private one for more immediate access to care and the option to choose private hospitals.

International health insurance policies are also available, providing coverage in both Mexico and the United States, which provides access to high-quality hospitals.

Cost of Healthcare

Medical care in Mexico is generally much cheaper than in the United States. A visit to a doctor might cost around $30–$60, and hospital stays range from $100–$500 per night in a private hospital. Also, prescription medications cost 30–70% less than in the United States.

Banking and Financial Considerations

Opening a bank account in Mexico is necessary to manage your finances while living abroad. Major banks like BBVA, Santander, and Banorte offer services to expats. To open one, you typically need to present proof of residency (your visa), proof of address, and a valid passport.

In some cases, if you want to purchase property along the coastline or near the international border, you may need to establish a bank trust (fideicomiso), which allows foreign nationals to hold property in these restricted zones.

Understanding the Mexican Peso

The Mexican peso fluctuates in value, so it’s important to check exchange rates regularly. Many expats use a mix of US dollars and pesos for daily expenses.

Taxes for American Expats

US citizens must still file American taxes even when living abroad. The Foreign Earned Income Exclusion (FEIE) may reduce your US tax burden if you qualify.

Is Mexico Safe?

Safety concerns aren't unusual when considering a move abroad. However, there's a wide range of safe communities and cities where expats can feel comfortable in Mexico. City residents report high levels of security in popular neighborhoods, particularly in well-known tourist areas.

While Mexico has some regions with higher security concerns due to crime, it also ranks as one of the safest countries in Latin America when you choose to live in the right areas. That said, it’s important to follow basic safety guidelines, just as you would in any other foreign country.

Tips for staying safe:

• Avoid walking alone at night in unfamiliar areas.

• Use reputable taxis or ride-sharing apps.

• Stay aware of local news and advisories from the State Department.

Adapting to Mexican Culture

Living in Mexico as a US citizen means immersing yourself in rich traditions, from lively festivals to delicious food like tacos, tamales, and elotes. Locals will welcome you with open arms, and trying to speak Spanish, even just basic phrases, is always appreciated.

While many expats get by with English in popular areas and expat communities, learning Spanish will enhance your experience. Connecting with other expats through events and online groups can also help ease your transition.

Emergency Contacts in Mexico

Emergency numbers differ from those in the US. Keep these handy:

• Emergency: 911

• Police: 060

• Red Cross: 065

• City Hotline: 070

• US Embassy: +55 5080 2000

• British Embassy: +52 55 1670 3200

• Australian Embassy: +52 55 1101 2200

• Canadian Embassy: +52 55 5724 7900

Ready to Move to Mexico?

Moving to Mexico as a US citizen is a great opportunity to experience a new culture, enjoy a lower cost of living, and become part of a welcoming large expat population.

Whether you choose the colonial beauty of San Miguel, the beaches of Playa del Carmen, or the energy of huge cities like Ciudad de México, Mexico offers something for everyone.

With the right visa requirements, financial planning, and being open to embracing the culture, you can successfully move to Mexico and enjoy everything this large country has to offer. Contact us for local insights and guidance on your move to Mexico.