Looking for a change of scenery? Mexico is a popular destination for expats looking for sunny weather, an affordable lifestyle, vibrant culture, and proximity to the US. Digital nomads and retirees have flocked to the North American country in droves, especially since the pandemic.
If you’re curious about what life could be like on the sandy beaches or bustling streets of Mexico, dive into our moving to Mexico guide for expats. Learn whether you’ll need a visa, how much it costs to live there, and what you’ll need to do to prepare for your new home.
Key takeaways
- Moving to Mexico as an American will require a visa if you plan to stay longer than 180 days.
- Lining up a job ahead of time can make it easier to get a work authorization visa.
- Healthcare in Mexico is high quality and affordable, too, but you may still wish to purchase private insurance.
- Seek out other expats as you build community and immerse yourself in the local culture of your new home.
- With Western Union, you can send money to Mexico in minutes using our website or money transfer app.
Step 1: Determine your visa and residency options
When planning how to move to Mexico as an American, you’ll need to know your visa options. Mexico offers several different visa and residency choices.
You can visit Mexico for up to 180 days if you have a valid visitor’s visa, but you don’t need a visitor’s visa if you can prove your permanent residency in (or have a valid visa from):
- US
- Canada
- Japan
- Great Britain and Northern Ireland
- Any of the countries that make up the Schengen Area
If you plan to stay longer than 180 days, consider a long-term visa:
- Work visa: A work-authorization visa is for those who plan to work in Mexico while living there.
- Temporary visa: A temporary resident visa is ideal for people who are preparing for a year abroad. It’s for those who plan to move to Mexico for more than six months but less than four years and don’t plan to work there.
- Permanent visa: A permanent resident visa is for those who are retiring with Social Security, moving to Mexico permanently, and do not plan to work there.
You’ll need a valid passport, $54 in cash for the consular fee, an application form, and other documentation when you apply.
Step 2: Understand cost of living in Mexico
Part of the appeal of moving to Mexico is how affordable it can be to live there, especially compared to some places in the US. The cost of living in Mexico is about 39% lower than in the US, with the average rent nearly 60% lower.
Costs vary by city, however. For example, while the average rent for a one-bedroom apartment is about $500 outside of city centers, it’s more than $1,800 in Mexico City.
Compare what you’re paying now to average costs in Mexico with Western Union’s USD to MXN currency converter:
- Monthly expenses: Roughly $688 for one person, not including rent
- Transportation: $28 for a monthly transit pass or $5 per gallon for gas
- Entertainment: $5 for a movie ticket, $44 for dinner for two
- Groceries: Gallon of milk, $5; loaf of bread, $2; pound of apples, $1
Source: Numbeo
Step 3: Set up your finances
Your moving to Mexico checklist should include making sure you’re financially ready for the switch.
Choosing one of the best banks for expats in Mexico can make it more convenient to pay local bills or make purchases without foreign transaction fees. However, you don’t necessarily need to open a Mexican bank account. If you prefer, you can send money to and from Mexico with the Western Union app.
Don’t forget you’ll also need to pay taxes. US citizens need to pay their US federal taxes, but you may also need to pay Mexico income tax if you’re considered a tax resident and earn income in Mexico. Talk to your tax advisor to make sure you’re paying the right amount to the right entity.
Step 4: Get a job in Mexico
Finding a job before moving to Mexico can streamline the process of getting certain visas, like a work authorization visa. Explore open roles with multinational companies, or search for a job on one of the following sites:
Step 5: Find housing in Mexico
Moving to Mexico can mean sunny beaches, like Puerto Vallarta, or urban living, like Mexico City. Maybe you prefer something a little more tropical, like Cancun or Cozumel? Or perhaps a mountain town like San Miguel de Allende. These are all places popular with expats.
Once you’ve settled on a spot, look for a rental. Word of mouth is an effective way to find a home, and landlords often post signs reading “se renta” to indicate an apartment for rent. Be sure to visit the place in person, and vet the real estate agent or landlord before handing over your deposit.
Step 6: Determine your healthcare options
A responsible moving to Mexico checklist should include arranging healthcare. Mexico offers both public and private healthcare options, with affordable, high-quality care and highly trained medical staff.
You might qualify for medical services as a legal resident with a temporary or permanent visa if you register with the Mexican Social Security Institute (IMSS). Note that some pre-existing conditions may not be covered.
For private health care, which often offers English-speaking providers, you could pay out of pocket. Costs are much lower than in the US — you might pay $25 for a doctor’s visit, for example. Another option is to buy a global health plan, such as one designed for digital nomads. An American health insurance policy might cover emergency care in Mexico, but probably not standard, preventive, or ongoing care.
Step 7: Build your community abroad
Moving to Mexico and living as an expat might feel a little lonely sometimes, especially when you first arrive. But you’ll thrive once you focus on immersing yourself in the local culture and building community in your new home. Make friends with your neighbors and coworkers, who can help you practice your Spanish and learn more about your new town.
Joining local clubs and groups is a great way to meet other expats, who understand the thrills and challenges of moving someplace new. You can also meet expats at English-speaking bars and restaurants or through social media posts and Facebook groups.
Making Mexico your new home
Moving to Mexico is a big step. Careful preparation will help you build confidence and settle successfully into your new life. With a new home and job secured, and a plan for managing your health and finances, you’ll be well on your way to living la vida Mexicana.
Western Union can support your money transfers between countries before and during your time in Mexico. Use the Western Union app to send money quickly and easily, or arrange a money transfer by visiting a local agent.
Get started online and send money now with Western Union.
FAQs
Yes, if you plan to stay in Mexico beyond 180 days, you’ll need a visa. Mexico offers several different types of visas, including for students, workers, retirees, and temporary visitors.
The cost of living in Mexico is generally lower than in the US. You’re likely to find housing, healthcare, and daily expenses much lower in Mexico, especially if you’re moving from an area of the US with a high cost of living.
Yes, you may be able to open a bank account in Mexico as a foreigner. Check with your bank to find out the requirements, which usually include providing a passport, visa, and proof of address. You’ll probably also need to make an opening deposit, and you may need to apply in person.
