Visas, taxes, real costs, bank accounts, healthcare, bureaucracy — everything they don't tell you in the travel blogs. We've helped hundreds of families make this move, and we'll tell you exactly what to expect.
Costa Rica is not cheap by Latin American standards, but it's 35–50% cheaper than the US, Canada, or Western Europe. Here are real numbers, not estimates.
Costa Rica taxes only income generated inside the country. If you receive a pension, dividends, rent, or salary from abroad, you pay zero income tax in Costa Rica on that money. This is the system that attracts retirees and investors from all over the world.
Applied to most goods and services. Basic food items, medicines, and education are taxed at 0% or reduced rates.
Paid annually to the municipality based on the registered property value. One of the lowest in Latin America.
Paid once when buying property. Additional stamp duties and notary fees bring total closing costs to ~3–4% of purchase price.
Applies to properties valued over ~$230,000. Rates range from 0.25% to 0.55% annually. Most residential properties fall below this threshold.
Only applies to income earned from Costa Rican sources (local employer, Costa Rican clients, or local business). Foreign income remains untaxed.
Solo aplica a ingresos de fuentes costarricenses (empleador local, clientes costarricenses o negocio local). Los ingresos del exterior no se gravan.
| Monthly Income (CRC) | Monthly Income (USD ~) | Rate |
|---|---|---|
| Up to ₡941,000 | ~ $1,800 | 0% |
| ₡941,001 – ₡1,381,000 | $1,800 – $2,650 | 10% |
| ₡1,381,001 – ₡2,419,000 | $2,650 – $4,650 | 15% |
| ₡2,419,001 – ₡4,842,000 | $4,650 – $9,300 | 20% |
| Over ₡4,842,000 | Over $9,300 | 25% |
Most nationalities enter Costa Rica visa-free for 90 days as a tourist — no visa needed. What comes after that are not "visas" but residency categories (categorías migratorias): legal statuses that allow you to live here long-term. The distinction matters because the requirements, rights, and processes are completely different from a visa.
Citizens of 60+ countries (US, Canada, EU, UK, Australia and more) enter without a visa for 90 days. This is a permitted stay, not a residency — you cannot work legally, sign long-term contracts, or open bank accounts. Immigration has started scrutinizing "perpetual tourists" who exit and re-enter every 90 days. It's not a long-term legal strategy.
For retirees with a guaranteed, lifetime pension from a government, military, private company, or approved institution. The pension must be permanent and verifiable. Processing takes 6–12 months.
For those with passive income: dividends, annuities, trust distributions, or a certified bank deposit. The income doesn't have to be a pension — but it must be consistent and provable from a recognized financial institution.
Buying a property worth $150,000+ qualifies as the investment. The property must remain in your name throughout the residency period. This is the most common path for those who come to buy a home and settle down.
Work remotely for companies or clients outside Costa Rica while living here legally. Valid for 1 year, renewable once for another year. After 2 years you must switch to another category or leave.
If you are married to a Costa Rican or are the parent/child of one, you can apply for residency as a dependiente. One of the fastest paths to permanent residency.
From landing as a tourist to holding your DIMEX (Costa Rican resident ID). This is the real timeline.
You arrive on your passport. 90-day stamp. No visa needed for most nationalities. Use this time to explore areas, visit properties, and set up your immigration attorney.
Day 1Foreigners can buy property with just a passport — no residency needed. If your target is the Inversionista visa ($150k+ property), buying first means your investment immediately starts the clock on your residency application.
Months 1–3Meses 1–3Each residency category has a document list: apostilled birth certificate, criminal background check, passport copies, income proof, photos. All foreign documents must be translated to Spanish by a certified translator and apostilled.
1–3 months (allows 6 months from issue date)1–3 meses (vigencia de 6 meses desde emisión)Your attorney submits the file to the Dirección General de Migración y Extranjería. You receive an expediente number. From this point you can legally stay in Costa Rica while your application is processed — no more border runs.
Day of filingDía de la presentaciónProcessing currently takes 6–18 months depending on case volume. During this time, enroll in CAJA as a voluntary member — it's required before your residency is approved, and it gives you access to public healthcare.
6–18 months6–18 mesesOnce approved, you go to DGME to pick up your DIMEX — the plastic resident ID card. This is your official ID in Costa Rica. With it you can open bank accounts, sign contracts, and access all public services.
Approval dayDía de aprobaciónMost Costa Rican banks require the DIMEX to open a full account. Some private banks (BAC, Scotiabank) may work with a passport and proof of income — but the DIMEX makes everything easier. This is one of the most bureaucratic steps.
After DIMEXDespués del DIMEXNo one should move to another country based on a travel blog. Here's what people love, and what actually surprises them.
If you're moving to Costa Rica, you should understand what your arrival means for the people already here. This isn't to scare you — it's because informed newcomers make better neighbors.
Costa Rica has seen a massive wave of foreign arrivals since 2020 — accelerated by COVID remote work, low interest rates, and a global search for "quality of life." The result: property prices and rents have increased 40–80% in many areas in just 4 years. In some neighborhoods, the average local family can no longer afford to rent where they grew up. That's not an abstraction — it's the daily reality for many Costa Ricans.
Once a quiet fishing village. Now one of the most expensive rental markets in Central America. Local families have moved inland. Average rent for a modest house: $2,000+/month.
Tourism boom zones where local workers can no longer afford to live near where they work. Long commutes from inland towns have become the norm for service industry employees.
The original expat hub. Now pricing pressure is spreading east to Desamparados, Curridabat, and Tres Ríos — neighborhoods that were affordable for middle-class Costa Rican families.
Still relatively accessible, but rents have climbed steadily since 2021. The areas closest to the airport and San José are feeling it first.
How Costa Ricans feel about it: The honest answer is — it's complicated. Many welcome the economic activity, the restaurants, the investment. Others feel like strangers in their own neighborhoods, priced out of land their families have owned for generations. You will hear both sides. The resentment is real, especially in coastal areas. It doesn't mean you're not welcome — but it does mean you have a responsibility to show up as a guest, not a colonizer. Support local businesses. Learn Spanish. Pay fair wages if you hire locally. Don't demand that things work like back home.
It's not a slogan on a fridge magnet. It's a philosophy, a pace, and a set of unspoken rules about how people treat each other here.
It's used as a greeting, a farewell, a "you're welcome," a "don't worry," and a general affirmation that things are okay. It reflects a genuine cultural attitude: people over schedules, presence over productivity, community over individualism. If that sounds good to you, you'll love it here. If it sounds inefficient — this might not be the right fit.
Meetings start late. Contractors arrive when they arrive. Government offices move slowly. This isn't laziness — it's a different relationship with time. Fighting it will make you miserable. Adapting to it will set you free.
English works in tourist zones and expat pockets. But to build real relationships, understand your neighbors, navigate bureaucracy, and show respect — you need Spanish. Even basic Spanish goes a very long way here.
The feria del agricultor (farmers market), the soda around the corner, the family hardware store — these are the backbone of Costa Rican communities. Choosing them over imported chains is not just good ethics, it's how you become part of where you live.
The expat bubble is real and easy to fall into — same restaurants, same WhatsApp groups, same circle. The people who love Costa Rica most are the ones who pushed past it. Your neighbors have stories, food, knowledge, and friendships that no expat Facebook group can offer.
The paperwork, the banks, the lawyers, the property search — it's a lot. Floribeth has navigated every step of this process for families from the US, Canada, Europe, and Latin America. She finds your home, coordinates the financing, handles the documentation, and stays with you after closing. And her service is 100% free to the buyer.
Ask Floribeth anything — visa questions, property search, areas, costs. No commitment, no cost. Just honest answers from someone who's been doing this for 10+ years.