Retiring in Cabo San Lucas: Everything You Need to Know
Thousands of American and Canadian retirees have discovered what makes Cabo San Lucas, Baja California Sur, one of Mexico’s best retirement destinations. Year-round sunshine, affordable healthcare, a welcoming expat community, and real estate prices that let your retirement savings go further.
Real Estate Snapshot: 699 properties available in Cabo San Lucas, from $629K to $35.2M. Median price: $1.4M.
Cost of Living in Cabo San Lucas
Retirees in Cabo San Lucas typically spend 30–50% less than they would in comparable US or Canadian locations. Here’s a rough monthly budget for a couple:
| Expense | Monthly Estimate (USD) |
|---|---|
| Housing (rent or mortgage) | $800 – $2,500 |
| Groceries & dining | $400 – $800 |
| Healthcare & insurance | $100 – $400 |
| Utilities (electric, water, internet) | $100 – $250 |
| Transportation | $100 – $300 |
| Entertainment & activities | $200 – $500 |
| Total | $1,700 – $4,750 |
Healthcare in Cabo San Lucas
Mexico offers high-quality healthcare at a fraction of US costs. Many doctors in Cabo San Lucas are US-trained and speak English. Options include:
- IMSS (public healthcare): Available to residents for ~$500/year per person
- Private insurance: Comprehensive plans from $1,200–$4,000/year
- Out-of-pocket: A doctor visit costs $30–$50 USD, dental cleanings $40–$80
Visa & Residency Requirements
Mexico offers two main visa types for retirees:
- Temporary Resident Visa (1–4 years): Requires proof of monthly income of ~$2,800 USD or savings of ~$46,000 USD
- Permanent Resident Visa: After 4 years as temporary resident, or with proof of ~$4,600 USD monthly income
Both allow you to own property (via fideicomiso), open bank accounts, and access healthcare.
Real Estate Options for Retirees
Houses: 119 available from $137K. View listings →
Condos: 400 available from $296K. View listings →
Land: 122 available from $62K. View listings →
Commercial: 58 available from $78K. View listings →
The Expat Community
Los Cabos has one of Mexico’s largest and most established expat communities. Country clubs, charity organizations, book clubs, and social groups make it easy to find your tribe. Many amenities cater specifically to North American residents.
Start Your Cabo San Lucas Retirement Journey
With years of experience serving international retirees in Baja California Sur, Baja Sur Realtors understands the unique needs of retirement buyers — from low-maintenance oceanview condos to homes in exclusive gated communities.
- Search all 699 properties →
- Phone: +52 1 612 288 9722
- WhatsApp: +52 1 624 622 3489
Data from Los Cabos MLS, updated April 2026.