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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

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      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

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          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
          LEARN MORE
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          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

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          Toll-Free U.S. and Canada:
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          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
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          Home Retirement/Living

          9 Areas With Thriving Expat Communities

          Critical Getting-Started Question To Understand When Planning To Retire Overseas

          by Kathleen Peddicord
          May 10, 2021
          in Retirement/Living
          0 0
          amazing sunset in george town malaysia

          Where Have All The Expats Gone? 9 Top Expat Havens

          One of the fundamental issues you should consider early on in your retire-overseas planning is this:

          Do you want to live among the locals or in a more private, perhaps gated setting with fellow expats for your neighbors?

          If you choose to relocate to an established expatriate community, you’ll have no trouble slipping into the local social scene and finding English-speakers who share your interests.

          On the other hand, going that route, you might end up with little real experience of the new culture you’re adopting.

          This important early decision may not have occurred to you. But I encourage you to consider the question directly, for the answer sets you on one track or another, and they lead to very different places.

          It can be easier, frankly, to seek out a place where your neighbors would be fellow North Americans, where you might hear more English in restaurants and bars than local lingo, and where you’d have like-minded compatriots to commiserate with over the trials and tribulations of daily life in a foreign country.

          This can make it a terrific first step for some, a chance to dip your toe in the retire-overseas waters rather than diving in headfirst. You’re living overseas and enjoying many of the benefits (great weather, affordable cost of living), but the surroundings and the neighbors are familiar in many ways. You can shop at Walmart or PriceSmart (in some cases), meet up with fellow Americanos for bridge on Thursday evenings, and never have to travel far to find English-language conversation.

          On the other hand, life overseas would be a very different experience residing in a little fishing village or a small colonial city in the mountains where you’re the only foreigner in town. Settling among the locals means you must learn to live like a local.

          Is the thought of that appealing, exciting, and invigorating? Or terrifying? Be honest with yourself as you consider your response.

          There is no right or wrong reply, and there are pluses and minuses either way.

          If you decide you like the idea of retiring overseas among like-minded company, here would be nine good places to focus your search…

          In The Americas

          Ambergris Caye, Belize—Estimated Expat Population: 2,000+

          Ambergris Caye, Belize.
          iStock/zimmytws

          In many ways, Ambergris is more gringo than Belizean. Few locals live and work on the island; those who do are in the hotel and resort industries. Many businesses on the island are owned and run by the foreigners who have moved there, meaning it’s possible on this little island to find imported wines, cheeses, and homemade artisan breads. No shortage of flip flops or floral shirts either, and Jimmy Buffett, Janis Joplin, and the Rolling Stones jam from most speakers.

          City Beaches, Panama—Estimated Expat Population: 2,000+

          Playa Blanca, Panama.
          iStock/sduford

          The most developed, established, and fully appointed beach community in Panama is this “City Beaches” area, less than two hours from Panama City. This fast-growing coastal region offers a high-quality beach lifestyle with all amenities and services you could want. Coronado town has developed into a busy commercial center that makes for a turn-key retirement choice, and, indeed, this is the direction this former weekend retreat is evolving… into a full-fledged retirement community with an established population of full-time foreign residents supported by a developed infrastructure, including good medical facilities.

          Cuenca, Ecuador—Estimated Expat Population: 5,000+

          Cuenca, Ecuador.Cuenca‘s large and growing expat community is one of Latin America’s most established and integrated with the local community. Thanks to the big and growing expat community based here now, downtown Cuenca today boasts a large number of cafés, restaurants, bars, and bookshops alongside the traditional butchers, tailors, repair shops, clothing stores, and bakeries.

          Puerto Vallarta, Mexico—Estimated Expat Population: 40,000+

          Aerial view of downtown Puerto Vallarta at sunset
          Alamy/Diego Grandi

          Until the 1950s, Puerto Vallarta was a small fishing village, modestly popular among Mexicans as a beach resort. In 1963, “The Night of the Iguana” was filmed just south of Puerto Vallarta. The film’s star, Richard Burton, was involved with Elizabeth Taylor at the time. She followed him on location… and the paparazzi followed her. Suddenly Puerto Vallarta was all over the news—and on the map, as far as Americans were concerned—and it’s remained there since.

          At about this time, the Mexican government began to invest heavily in infrastructure making Puerto Vallarta more accessible and attractive as a destination. Luxury hotels began to spring up, and Americans began to flock here. It is also one of Mexico’s most cosmopolitan beach resorts. Fully half the population works in the tourism business, so English is widely understood, a boon for those of us who speak little or no Spanish. A whole range of services has sprung up to cater to English-speakers, including everything from gourmet shops and restaurants to clothes design and medical care.

          In Europe

          Algarve, Portugal—Estimated Expat Population: 100,000+

          Carvoeiro, Algarve, Portugal
          iStock/EunikaSopotnicka

          Because it has Europe’s best beaches, Europe’s best golf courses, one of Europe’s friendliest folk, Portugal’s Algarve is the chosen retirement destination for more than 100,000 resident expatriates from around the world. You could join the many expats who gather for tennis at the Carvoeiro tennis club. Carvoeiro also has a well-stocked book exchange that allows expatriate residents and visitors alike to trade in books they have read for new titles. Many retired expatriates become involved in local community or charity work, there is no shortage of opportunities to contribute to society and make a real impact that will also help you integrate faster into local culture. Making friends is easy, both with the locals and the expatriates.

          Barcelona, Spain—Estimated Expat Population: 35,000+

          Barcelona view across the city
          Image Source: iStock/Gatsi

          The expat community in Barcelona is huge and thriving, and almost every nationality in the world is represented. Some are here employed by multinationals like HP or self-employed with their own small businesses. Others are running local businesses like bars, playgroups, and real estate companies. Meeting expats and making friends is easy. A good way to connect with the English-speaking community is through the Metropolitan Magazine (print and online), which lists places and events where expats are likely to meet.

          In Asia

          Chiang Mai, Thailand—Estimated Expat Population: 20,000+

          Doi Inthanon National Park when sunset, Chiang Mai, Thailand.
          Alamy/Noppasin Wongchum

          Chiang Mai has been luring expats from the West for years. The attraction is twofold—the low cost of living (and of housing) and the weather. The high-quality health care and health-related services are other big pluses for foreign retirees in this part of the world. The city boasts modern infrastructure and an abundance of Western amenities.

          Dumaguete, Philippines—Estimated Expat Population: 5,000+

          Retire To Dumaguete PhilippinesThere are many good reasons to consider retiring in Dumaguete. The city is protected against most of the typhoons that periodically batter many of the Philippines. The weather is tropical and balmy—rarely too hot. Dumaguete offers excellent medical care, too, care that has been getting even better since the city was named one of the five top retirement destinations in the Philippines.

          George Town, Malaysia—Estimated Expat Population: 40,000+

          Shops in George Town MalaysiaGeorge Town is home to a wide range of expat groups, so it’s easy to make new friends. For example, the International Women’s Association has a very active social life. Hill-trekking, yoga, and tennis… a photography club… golf, bridge, and canasta… a choir, a book club, and bowling. And a Hash Club isn’t what you might think. If you’re male, enjoy running, and want to follow a paper chase that ends with cold beers, could be your thing. Many expats work here, which adds to the cosmopolitan buzz.

          Kathleen Peddicord
          Founding Publisher, Overseas Opportunity Letter

          Tags: 'Retire To Ambergris Caye''Retire To Chiang Mai''Retire To Puerto Vallarta''retirement'Overseas Expat CommunitiesRetire To AlgarveRetire To BarcelonaRetire To CuencaRetire To DumagueteRetire To George Townretire to Panama
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          Kathleen Peddicord

          Kathleen Peddicord

          Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

          Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

          Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

          Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

          Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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                HOME

                Top Countries

                • Spain
                • Portugal
                • Panama
                • Belize
                • Colombia
                • Cyprus
                • Mexico
                • France
                • Montenegro

                Best For:

                • Health Care Abroad
                • Retirement Living
                • Cost Of Living
                • Investing in Real Estate
                • Establishing Residency
                • Gun Ownership
                • English Speakers
                • Safety
                BROWSE ALL COUNTRIES

                Budgets

                How Much Will It Cost
                To Live Overseas?

                Super Cheap

                • Chitré, Panama
                • Santa Marta, Colombia
                • Phuket, Thailand
                • Dumaguete, The Philippines

                Cheap

                • Medellin, Colombia
                • Boquete, Panama
                • Kyrenia, Cyprus
                • Hua Hin, Thailand
                • The Algarve, Portugal

                Affordable

                • Valencia, Spain
                • Cascais, Portugal
                • Las Terrenas, The DR
                • Pisa, Italy
                • La Rochelle, France
                • Mazatlán, Mexico

                Luxury

                • Ambergris Caye, Belize
                • Kotor, Montenegro
                • The Panama City Beaches
                • Paris, France

                Resources

                Global Living

                • Living & Retiring Overseas
                • Raising A Family Abroad
                • Foreign Residency & Citizenship
                • Offshore & Diversification

                Making Money

                • International Real Estate
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                • Employment
                • Investing
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                From Outside North America:
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