Cheapest Beach Towns in Mexico to Retire and Live in 2023 (2024)

Making your retirement savings last is to base yourself in less touristy places. Cancun, Playa del Carmen and Tulum are wonderful, but being so popular with tourists from around the world, there are more affordable towns to live in. You might find a beach area that isn’t quite so busy but with the facilities, services, an expat community and those exotic beaches and surrounding scenery that make you love Mexico so much.

Here are some of the most affordable beach towns in Mexico to retire. Some of you might have visited already, and some might be new to you. It could be time to make an inspection trip to see if any of these places feel like home sweet home, or should we say home, spicy home!

The scenic spot of Holbox Island sits at the northern tip of the Yucatán Peninsula. Life on this 26-mile-long island is peaceful, with only one small town on the western end. About a two-hour drive from Cancún, you reach the town of Chiquila, where you can catch a ferry to the little island. You can also fly from Cancun as the island has a small airstrip.

The beaches are gorgeous with white sand and clear blue water. Locals get around by foot, moped or golf cart. You can swim with whale sharks, bringing some tourists to the island, but you won’t find any condos, resorts or major tourist attractions. Instead, expect little family-owned restaurants and boutique hotels.

The cost of living in Chelem is so attractive to retirees who want the most bang for their hard-saved bucks. Chelem is a sunny option that is very competitive with the other affordable beach towns in Mexico to retire on our list.

Next on our list of most affordable beach towns in Mexico to retire is Mazatlan. Nicknamed the pearl of the Pacific, Mazatlan is a popular vacation place and home for many people from around the globe. Attracted by the amenities, beach life, affordable accommodation and lively atmosphere, it’s not surprising that so many people move to Mazatlan. For some, considered a necessity and for others, a luxury, it is an example of how overall the cost of living can be in Mexico. Many expats say their highest cost can be air conditioning when temperatures rise in Mexico’s hottest months of the year. If you love the heat, you might forego the aircon and cut out one of the biggest expenses in your budget.

Mazatlan has some big brand companies for shopping like Home Depot and Walmart and a hospital and International airport too.

So while these convenience factors might make Mazatlan a little more expensive to live in than some of the other remote places on our list, it's still impressively cheap to live there.

There are nine bays that protect the area from strong hurricanes, the pace of life is dreamy and there is so much nature and wildlife to enjoy on and away from the beach.

The beaches in Puerto Penasco are stunning, with calm water for swimming and nice weather all year round. Accommodation prices are reasonable, with the costs of living to match.

With a rich colonial history, Puerto Vallarta has been on many people’s travel radars for decades. The many reasons include the gorgeous beaches, lovely weather and affordable cost of living. Making a move to retire in Puerto Vallarta has been the right one for many of the happy expats who live there. The town in Jalisco state is also a gay-friendly destination.

The middle of the town has cobblestone roads and you can see the stunning Nuestra Señora de Guadalupe church, then pop into the boutique shops, restaurants and bars. Along the oceanfront promenade by day, the views are spectacular, and there are interesting art sculptures to see and at night, the area comes above with a buzzing nightlife. If you are retired and want to put your dancing shoes back on, Puerto Vallarta has your song!

For one couple, a budget of US$1,500 a month could mean a life of luxury, while for others, it could be considered living frugally. Bump that up to US$2,500 a month and you could be living like kings.

Of course, no matter where you live, there are unexpected costs that might arise in some months, such as medical costs or house renovations. You also need to factor in visitors. When you live in Mexico, you can expect all your family and friends to be visiting. Hosting people comes with costs. But it’s probably a fraction of what life would cost in your home country.

The cost of real estate, utilities, food, internet, and entertainment are all amazingly cheap, and you get to live at the beach. It’s almost too good to be true. Plus for Americans and Canadians, it’s not so far to go home to visit friends and family. Even getting back to Europe isn’t so far and many retirees to Mexico will make an annual visit home. We hope this article has made you realize you, too, could live in Mexico when your working life comes to an end. Life is for living and it’s pretty great in Mexico. There are companies that specialize in helping expats move to Mexico, making it even easier. Most recommend a trip to visit different places first before deciding on the area you wish to live in and from there they help you find everything you need, including accommodation, setting up bank accounts and settling into your new life. What could be easier or more fabulous?

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