Thinking about moving to Mexico? One of the biggest questions future expats ask is: “How much does it actually cost to live there?” While Mexico is known for offering an excellent quality of life at a lower price point, the true monthly budget varies based on lifestyle, location, and personal preferences.
Below is a realistic, experience-based breakdown of what expats typically spend each month in popular areas like Playa del Carmen, Mérida, Puerto Vallarta, Mexico City, and more.
🏡 Housing Costs
Housing is where your budget will vary the most. Prices depend heavily on the city and whether you live near the beach.
Typical Monthly Rent:
- $400–$700 USD — Local-style apartment further from tourist zones
- $700–$1,200 USD — Modern 1–2 bedroom apartment in a good neighborhood
- $1,200–$2,500+ USD — Luxury condos, ocean-view units, or new developments
Homeownership:
Property taxes are extremely low compared to the U.S. and Canada—often $150–$500 USD per year.
💡 Utilities & Internet
Most expats pay far less for utilities than they would back home—unless they run A/C 24/7.
- Electricity: $30–$80 USD (light A/C use) / $100–$250 (heavy A/C use)
- Internet: $25–$45 USD
- Water: $5–$10 USD
- Cell Phone Plan: $10–$25 USD (Telcel, AT&T, Movistar)
🍍 Groceries & Eating Out
Mexico offers excellent fresh produce and affordable local markets.
Groceries:
- Single expat: $150–$300 USD/month
- Couple: $250–$450 USD/month
Eating Out:
- Local restaurants: $4–$10 USD per meal
- Mid-range restaurants: $15–$25 USD per person
- High-end dining: $35–$60+ USD per person
Street food is delicious, safe in most areas, and often $1–$2 USD per item.
🚗 Transportation
You can live without a car in most cities.
- Public transportation: $0.50–$1 USD per ride
- Uber/Taxi: $2–$6 USD per trip
- Gasoline: Similar to U.S. prices
- Car ownership: Only recommended if you live outside city centers
Many expats get by spending $40–$100 USD monthly on transportation.
🩺 Healthcare & Insurance
Mexico’s healthcare system is one of its biggest advantages.
- Private doctor visits: $25–$50 USD
- Specialist appointments: $40–$80 USD
- Dental cleanings: $30–$60 USD
- Full dental work or implants: 50–70% less than U.S./Canada
Private health insurance:
- $50–$150 USD/month, depending on age and coverage.
🎉 Entertainment & Lifestyle
- Gym membership: $20–$60 USD
- Yoga/fitness studios: $40–$100 USD
- Movie theater: $3–$6 USD
- Weekend beach trips, cenotes, or activities: $10–$40 USD
💰 So What’s the REAL Monthly Budget?
Budget Lifestyle
- $1,000–$1,500 USD
Local rent, eating at home, few luxuries.
Comfortable Middle Lifestyle (most expats)
- $1,500–$2,500 USD
Nice apartment, dining out weekly, gym, A/C, activities.
Upscale Lifestyle
- $2,500–$4,000+ USD
Luxury condo, frequent travel, dining out, car ownership.
Why Mexico Remains a Top Choice for Expats
- Lower cost of living
- Access to world-class beaches
- Strong expat communities
- Affordable healthcare
- Vibrant culture, food, and lifestyle
For many Americans and Canadians, living in Mexico means spending less while enjoying more—more sun, more freedom, and more quality of life.
About the Author
Hi, I’m Matt from Nasplaya, your go-to guide for living, investing, and thriving in Playa del Carmen and the Riviera Maya. In 2008 my husband and I quit our jobs in Boston, Massachusetts, sold everything we owned and drove to Playa del Carmen, Mexico to start North American Standards (Nasplaya), our property management, vacation rental and real estate company. Now 17+ years later, I am sharing our experience helping expats and property owners navigate the local market. I share honest insights, practical tips, and insider knowledge to make your move—or your investment—a success.
From finding the best schools and maximizing rental income to understanding local regulations and uncovering hidden gems, my goal is to give you clear, actionable advice you can trust. When I’m not exploring the beaches or scouting the newest rental opportunities, I’m sharing stories, guides, and strategies that help you make the most of life in paradise.
Follow along for expert tips, local updates, and everything you need to live, invest, and enjoy the Riviera Maya to the fullest.
North American Standards (NAS Playa)
Property Management • Rentals • Real Estate
📍 Playa del Carmen, Mexico
🌐 www.nasplaya.com 🔑 Rentals: rentals@nasplaya.com
📊 Sales: buy@nasplaya.com 🏘 Property Management: bookings@nasplaya.com
✏️ Read the Latest from our Blog
- How to Get Mexican Health Insurance: Public vs. Private (2025 Guide for Expats)
- How to Receive Social Security in Mexico: A Complete Guide for Expats
- Building Credit in Mexico: A Step-by-Step Guide for Expats
- Driving to Mexico: Safety Tips and Border Crossings (What You Need to Know Before You Go)
- Understanding Mexican Etiquette & Customs: What Every Visitor & Expat Should Know