Where do most American retirees live in Mexico?
February 24, 2026
If you’ve been researching retirement abroad, you’ve probably asked yourself: Where do most American retirees live in Mexico? The answer depends on lifestyle, budget, climate preferences, and access to healthcare, but several destinations consistently stand out.
From colonial highland cities to Caribbean beach towns, Mexico offers a wide range of options for retirees looking for affordability, quality medical care, established expat communities, and a relaxed pace of life.
Below, we explore some of the most popular places where American retirees are choosing to settle in 2026.
Located in the Yucatán Peninsula, Mérida has become one of the top destinations for American retirees.
Known for its safety, strong healthcare system, and rich Mayan and colonial heritage, Mérida offers a blend of tradition and modern infrastructure. The city has an international airport, reputable private hospitals, shopping centers, and a growing English-speaking community.
Retirees appreciate:
• Low annual property taxes (predial)
• Affordable healthcare
• Cultural festivals and vibrant local life
• Proximity to beaches like Progreso
One important factor to consider: Mérida is hot. Summer temperatures regularly exceed 95°F, so air conditioning is essential for many retirees. For couples, a comfortable lifestyle in Mérida can often range between $1,800–$2,500 USD per month, depending on housing choices.
With decades of expat presence, this city offers a strong support network, international dining options, and modern healthcare facilities. It also has excellent air connectivity to major U.S. cities.
Retirees choose Puerto Vallarta for:
• Beachfront living
• Active social scene
• LGBTQ-friendly atmosphere
• Reliable private hospitals
The cost of living is higher than in some inland cities, particularly for ocean-view properties, but many retirees feel the lifestyle benefits justify it.
Tulum has gained attention not only among younger expats but also among retirees looking for a quieter Caribbean setting.
Located in the Riviera Maya, Tulum offers turquoise waters, eco-conscious communities, and a slower rhythm of life compared to larger tourist centers.
Retirees drawn to Tulum often value:
• Nature-focused living
• Boutique communities
• Proximity to Cancun International Airport
• Access to private healthcare in Playa del Carmen and Cancun
While Tulum’s infrastructure is still developing compared to larger cities, many retirees appreciate its peaceful atmosphere and connection to nature.
Also in the Riviera Maya, Playa del Carmen offers a more developed environment than Tulum while still maintaining beach-town charm.
With thousands of international residents, it provides:
• Modern hospitals and clinics
• Walkable downtown areas
• International grocery stores
• Strong English-speaking services
Retirees who want Caribbean beaches with urban conveniences often find Playa del Carmen appealing. Monthly living costs typically range from $2,400–$3,000 USD for a couple, depending on housing.
Located in the highlands of central Mexico, San Miguel de Allende is famous for its colonial architecture and artistic atmosphere.
As a UNESCO World Heritage city, it has attracted American retirees for decades.
Why retirees choose San Miguel:
• Mild climate year-round
• Cultural events and art scene
• Large bilingual expat population
• Boutique-style healthcare facilities
Living costs here can be slightly higher than in some other cities, but many retirees value the cultural richness and temperate weather.
On the Pacific coast in Sinaloa, Mazatlán is often considered one of the more affordable beach retirement destinations.
It offers:
• Long oceanfront boardwalk (Malecón)
• Lower rental prices compared to other coastal cities
• International airport
• Growing expat presence
Mazatlán combines beach living with a historic downtown and relatively accessible pricing for retirees seeking ocean views.
Santiago de Querétaro, commonly known as Querétaro, is an inland city known for safety, organization, and mild weather.
Unlike beach towns, Querétaro offers:
• A strong local economy
• Modern hospitals
• Clean and organized infrastructure
• Cooler highland temperatures
Retirees who prefer city amenities without coastal humidity often gravitate toward Querétaro.
When considering where most American retirees live in Mexico, the common themes are:
• Affordable cost of living
• Access to quality healthcare
• Established expat communities
• Reliable infrastructure
• Appealing climate
The best destination depends entirely on your lifestyle preferences. Some retirees want beaches and warm weather. Others prefer cooler highlands or culturally rich colonial cities.
If you are exploring retirement options in Tulum, Playa del Carmen, or anywhere in the Riviera Maya, Jaguar Tulum Real Estate is here to help.
We guide American retirees through every step of the process, from understanding property ownership structures to navigating closing costs and local regulations.
Whether you are looking to rent first, buy a condo near the beach, or find a quiet residential community, our team offers personalized guidance tailored to your retirement goals.
Your first consultation with Jaguar Tulum Real Estate is completely free.
Contact us today and let’s explore whether the Riviera Maya could be the perfect place for your next chapter in Mexico
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