Moving to Costa Rica from the US
Last updated: March 2026
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Visa Options
Rentista Visa
For those with guaranteed income of $2,500/mo for 2 years (or $60,000 deposit).
Pensionado Visa
For retirees with pension or social security income of $1,000/mo minimum.
Digital Nomad Visa
For remote workers earning $3,000/mo minimum from outside Costa Rica.
Cost of Living
| Category | Low | High |
|---|---|---|
| Rent (1-bed, city center) | $500 | $1,000 |
| Utilities | $60 | $120 |
| Groceries | $200 | $400 |
| Transport | $30 | $80 |
| Dining out (per meal) | $5 | $15 |
| Health insurance | $80 | $200 |
Tax Implications
- Costa Rica uses a territorial tax system — only Costa Rican-source income is taxed.
- Foreign-source income (US salary, investments) is not taxed in Costa Rica.
- US citizens must still file US taxes and FBAR.
- No capital gains tax on foreign investments.
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Healthcare
CAJA (public healthcare) is available for residents — ~$80-150/mo based on income. Quality is good for routine care. Private hospitals in San Jose are excellent. Many expats use a combination. CIMA Hospital is popular with Americans.
Banking
Opening a bank account requires residency visa, passport, proof of income, and utility bill. Banks: BAC Credomatic, Banco Nacional, Scotiabank. Process can take 2-4 weeks. Wise recommended for transfers.
Finding Housing
San Jose / Central Valley: $500-900/mo. Beach towns (Tamarindo, Jaco): $600-1,200/mo. Many rentals are found through Facebook groups and Encuentra24.com. Furnished options common.